23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2018, I deposited {$14000.00} into a Citi checking account and {$100.00} into a savings account as part of a promotional offer to earn a bonus of {$400.00} for maintaining a combined balance of {$15000.00} for 60 days. I maintained this balance until XX/XX/2018, and exceeded the 60 day requirement. However, on XX/XX/2018, XXXX incorrectly charged me a $ XXXX  monthly maintenance fee for an insufficient balance. This fee was reversed on XX/XX/2018. Citi claims that I did not earn the bonus because this erroneous {$25.00} fee dropped by balance below {$15000.00} before the 60 day requirement.
Product: Credit card or prepaid card

In order to make sure I had a cushion to support my family, I took {$2700.00} out of my checking account and paid down my {$6000.00} balance ( also my limit ) on my credit card. I was hoping that this extra funds on this card would be able to pay for household expenses and be a backup in case I needed it. I had recently missed a payment due to having XXXX and as SOON as I make this payment ( and feel peace of mind that I have a backup source of money on a credit card ), Chase does a periodic " review '' and decreases my limit by {$2300.00} - almost the exact amount of my payment. Therefore, the money that I had put on this account was basically gone. I called and they seemed sympathetic, said the only thing they could do is review my credit bureau and make a decision over the phone and see if they can reinstate it. I received NO LETTER that they were decreasing it until after they did it. The lady asked me intensive questions on why my balances were high and I explained it was due to having hotels and food for my family while they had XXXX and then she denied it. 
Chase took my money and was extremely deceptive on decreasing my credit line to almost the exact amount of money that I paid it down after only one month being late ( when I have had this card for over 5 years ). 
This was so deceptive in their practices and if I would've never made that payment, they wouldn't have decreased my limit. 
Now I have to figure out how to support my family - thanks Chase. I will NEVER have a card with you again because you are SO deceptive in your practices and I hope you get a UDAAP violation for the way that you handled my account. I will NEVER ever work for you or have your card in my wallet because you are not understanding and don't care about the humans that support your company with their money. Take a lesson from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$620.00} XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$710.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$6600.00} XXXX - XXXX - XX/XX/XXXX - {$630.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$630.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$360.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$580.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$360.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$580.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$620.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$660.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Debt collection

Bank of America {$320.00} from business account that was already resolved with police report due to check book being stole.They can tell me what the charge is from. Ive been calling for years.
Product: Checking or savings account

I have had checking/savings accounts at J. P. Morgan Chase Bank since it was Washington Mutual. I paid all my bills electronically for years, but this year I began getting charged insufficient fund fees while having overdraft protection. 

Upon my investigation, I noticed Chase began deducting funds on the day I paid my bills instead of on the scheduled due date ( e.g. most bills arrived on the XXXX and weren't due until the XXXX of the following month ; but Chase deducted the funds when I entered them on the XXXX ). They claimed I needed to ensure I selected the " pay by '' instead of the " send by '' date. I ALWAYS selected the " pay by '' date. Also, when I checked the status of the payments they deducted from my account, they were all " pending. '' I was constantly transferring funds from my savings to cover the fees and funds they claimed weren't available due to their premature subtraction of " pending '' funds. I felt like I was hemorrhaging money and began ignoring their insufficient fund notices for bills due on the XXXX because my pension and SS checks arrive between the XXXX and XXXX of the previous month. 

I had to resort to paying bills via check or credit card. There's something very, very wrong with this practice. It seems that due to past bad acts, Chase is looking for any way to collect funds from its customers. If I hadn't set up alert notices, I may not have become aware of these insufficient fund charges. I wonder how many other Chase customers, as well as customers of other banks, have been deceived by this practice.
Product: Mortgage

I have been trying to complete a deed in lieu of foreclosure for over a year, Greentree servicing has been giving me the run around regarding the XXXX mortgage saying that I need to pay off the XXXX before we can proceed with the DIL. I told the rep that my XXXX mortgage was also with them ( Greentree ). The rep insisted that the XXXX mortgage was not with them even after I had told her that I received phone calls from them regarding the XXXX. This went on for months until finally I spoke to a rep who was able to find the XXXX. She said the XXXX mortgage was listed as ( closed ) which is the reason why they could n't locate it. So now I 'm talking to my account manager XXXX and she says she needs to get an override from her manager to proceed and I never heard back from her after numerous calls and the property is now in foreclosure, this is completely unacceptable and unprofessional
Product: Credit reporting or other personal consumer reports

I am requesting immediate removal of this item from my credit, that is reporting clear violation of FCRA Section 611 ( a ) ( 1 ) ( A ). I expected this to be done in 30 days from recipe of this complaint as stipulated by FCRA Section 623 ( a ) ( 8 ). Failure to comply within. the specified timeframe by this creditor is considered willful non compliance, subject to legal consequences. Additionally, I want to make it clear that any action taken by XXXX XXXX  besides deleting the collection will be considered willful non compliance. I am. invoking my rights under 15 US Code 1681b ( 2 ), and I am giving clear instructions to furnish my report and delete the collection account. Failure to adhere to these instructions will result in legal action. This notice serves as a formal notice of violations, and I am expecting prompt action to remedy.I anticipate your immediate remedy to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to correct my credit report for over 6 months. I have asked all 3 credit bureaus to provide proof of the debt ( 609 LAW ) in writing several times and have been ignored with no responce. I don't have any knowledge or recollection of these debt. I believe they are reporting incorrectly and it is affecting personal and financially. Please remove the following inaccurate items listed below from my credit report. Thank you in advance. 

XXXX XXXX XXXX Last reported XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX CAINE & WEINER {$260.00} XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXXXXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$620.00} XXXX XXXX XXXX XXXX  Inquires XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXXXX/XX/2XXXX XXXX
Product: Debt collection

Midland Credit Management was sent a certified letter on XXXX XXXX. I requested verification of the alleged debt, specifically a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. Midland Credit Management failed to provide the above-mentioned item and just sent a letter stating they own the debt. 

I informed them if they could not provide the requested documentation of all parties involved I want the item removed from the credit report IMMEDIATELY. To this date they have not complied.
Product: Student loan

The loan company Navient increased my loan interest from 3 % to 10.5 % when I was able to decrease my loan principal to less than {$5000.00}. Then when I lost my job they failed to provided my any program options suitable to my current income. They would not reduce my monthly payment and stated I didn't qualify for any programs even though I was not working for 4 months and my cosigner was unable to aide or available in the US at the time. Due to high monthly payment I was forced to no make any payments during that time. I finally opted to try to settle the claim through refinancing and getting other loan with lower interest rate.

I don't understand how I have been paying soo much for so long and still unable to qualify for any program options. They are rude in very inconsiderate in their service. They continue to bully you and cosigner and family by calling nonstop and almost threatening you to make payments you can not afford at ridiculous interest rates.
Product: Credit card

capital one has went back to court and got another judgement ... this is the second time ... this is not right ... XXXX was about to come off my credit report, and then they done it again ...
Product: Credit card or prepaid card

Over the past couple months when I fell behind on some payments, I began working with them to bring my account current. I initially spoke with someone in late XXXX who advised me that she could bring my account to current status if I could make payments of {$140.00} every two weeks. I agreed. I got a call a week or so later from an Account Rep who said the previous rep was wrong, I would need to make payments of {$160.00} every two weeks to bring my account current. I was frustrated at the apparent misinformation but agreed. Finally, in late XXXX, I received another call from an account rep letting me know that the gentleman on the prior call was wrong, and I should make payments of {$170.00} a month. I agreed. 

A payment was pulled from my bank account in the amount of {$170.00} on XX/XX/20 and posted. Then on XX/XX/20, another ( unauthorized ) payment of the same amount was pulled from my account, causing it to go negative, resulting in a {$28.00} NSF fee from my credit union. 

I contacted support via Discovers  messaging feature in the mobile app but did not receive a response. I am frustrated at the unauthorized charge and its affect on my finances. The pattern of misinformation and unauthorized payments makes me feel nervous and at their mercy when I am already in a delicate financial situation. Im sure this is happening to other customers if its the case with me. It seems very predatory. 

Thank you!
Product: Debt collection

I recently requested to get a capital one credit card. In the past, I did have one ( almost 10 years ago ) and unfortunately I was a single mom and my fiance up and abandoned me. At that point, I couldn't afford to pay my bills. When I go a new job and re-stabilized I settled the debt over the phone and got everything taken care of. Now it has been almost 10 year and I receive a letter denying me a card for the past account. 1st of all, its been longer than 7 years. 2nd of all, the debt was settled!
Product: Debt collection

On or about XX/XX/XXXX, I was informed that Convergent Outsourcing has been attempting to collect a debt that is not mine. I called to discuss the issue with Convergent Outsourcing, the debt collector, on XX/XX/XXXX and was informed that they have no proof or validation of this debt, but will continue to report this information on my credit report. 

I have filed an FTC Identity Theft report, which is attached hereto. 

I have been XXXX and XXXX since XXXX and I am unable to XXXX, XXXX, or XXXX  any contracts without assistance. I have attached my Indiana state ID card that shows a medical alert that I am XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXX. XXXX, XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX Please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be updated. The XXXX Credit Bureaus must verify these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX  XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Bank account or service

My wife XXXX away in XXXX and had a credit card balance of {$12000.00}. Instead of being a XXXX, I chose to pay it off. I should have not paid it I guess, because it never showed up as paid, and lowered my credit score from XXXX to XXXX, with no way to ever be able to raise it. 
What they did was wrong, and it gets worse. Today, I have spent over two hours to find my credit report, and a way to contest it. Here is why. The online access to XXXX doesn ', t work unless You can upload documents, and I can, t because I only have a tablet .I c n't call XXXX because they have an automatic phone that does n't have the prompts to help people like me. So, rather then reward me for twelve years of payments, they XXXX me, lowered my credit score so I will never be able to raise it. I have XXXX items at the credit bureau, XXXX which I can prove are invalid with supporting documentation. Their behavior has led me to be turned down from them, and XXXX other business, which made my credit score go down. What are consumers supposed to do when banks are allowed to participate in this type of behavior? I had a mortgage ( XXXX ) with boa which was paid off in XXXX. I have court papers that prove I was n't in control. I have XXXX valid debt at the credit bureau which I will pay. The rest are not even valid, but XXXX has a network that wo n't allow you to talk to someone in person. So now i ca n't receive a credit report, or a disclosure form to validate their claim. I thought that it was illegal A consumer should 't have to spend hours on the phone to obtain this information. 
I would like boa to remove any reports on my credit report that should n't be there, and provide a credit report, and valid forms to remove documents. 
XXXX XXXX XXXX XXXX XXXXXXXXXXXX Turned down for a secured credit card. What 's up with that.
Product: Payday loan, title loan, personal loan, or advance loan

1. **Loan Details** : - Loan Amount : ** $ XXXX - Initial Deposit ( XX/XX/2023 ) : ** $ XXXX - Subsequent Deposits : - XX/XX/XXXX : ** $ XXXX - XX/XX/2023 : ** $ XXXX XXXX. XXXX XXXX XXXX : - Title Bucks claims the total loan amount is ** $ XXXX. 

3. **Payoff Information** : - Payoff Amount : ** $ XXXX - Principal Payment : ** $ XXXX - Interest : ** $ XXXX XXXX. **Payment Schedule and Communication** : - Title Bucks refuses to provide a balance payoff or schedule payments until the middle of the month. 
- Management urged you to hurry up and pay, even asking if you had a tax return to use for payoff. 

Payments Detail YTD {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card : XXXX is lost/stolen. There are fraudulent and unauthorized transactions listed on my account that arent mine, and dont belong to me.
Product: Credit card

Please remove this from my credit report. This was discharged in BK in 2012. However, HSBC continues to report that I have late payments when that ; s not that case.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, Equifax received my dispute of account number XXXX, { {$3000.00} }, with agency number XXXX with Equifax XXXX I requested that Equifax investigate this account and send to me any documented proof from the creditor that the account belongs to me. Equifax in is violation of the Fair Credit Reporting Act section 611 ( a ), 15 USC 1681i ( a ). I have disputed this account several times over the last two years and Equifax keeps responding stating that Equifax verified the account. Equifax has failed to respond to my dispute of this account and it has more than thirty ( 30 ) days.Equifax has not produced any written documents proving that the debt belongs to me. I have not received anything from Equifax as a response from my dispute of this account from Equifax. It has been more than thirty ( 30 ) days and Equifax is in  violation of the law by not providing a response to me, providing Equifax 's investigation procedures, providing written proof from the creditor proving that the debt belongs to me and within thirty ( 30 ) days of Equifax receiving my dispute.
Product: Mortgage

on around XX/XX/2008 our mortgage company XXXX and also under Wells Fargo reached out to us by mail offering a program available to us that may help us. We contacted them via phone and they told us that yes there was a government program but we needed to show hardship and their advice was to stop paying our mortgage. We can prove that before that we had never been late or on default with our mortgage. I have a paper trail that include names and fax, dates with times of our communication with a representative from the mortgage company. They even wrote me a letter via fax on our behalf with how we can show hardship. They connected us with a company Making Home Affordable. Gov this company charged us through XXXX XXXX XXXX Phone number XXXX a total of {$1900.00}. This ruined our credit and they also tagged 20 years to our mortgage without ever mentioning it to us. Years later we get a letter stating that our mortgage was going up because of our interest rate. We then started researching and found that they had put us in a bad loan. We contacted now Wells Fargo and they gave me the run around for months if not a year. To then send me a letter saying they could not do anything for us. I then have been working on gathering proof and I was finally able to find all the supporting documents.
Product: Debt collection

XX/XX/XXXX. 2019 I phoned usaa. CONFIRMING I WILL NOT BE PAYING ON THIS ID THEFT ANY MORE I REQUESTED REMOVAL XXXX  XXXX PAY INFO. from usaa rep XXXX. I DID NOT AUTHORIZE THIS PAYMENT. see attatched XXXX  XXXX WITHDRAWL. USAA POSTED A PAYMENT TO COLLECT THIS DEBT. THIS IIS D THEFT ACCOUNT see attatched ID THEFT case XXXX ** I DID NOT AUTHORIZE PAYMENT This STOLE ALL MY SOCIAL SECURITY funds for 15 days & left me with OD fees @ XXXX  XXXX. Social Securty SECTION 207 DOES NOT ALLOW DEBT COLLECTION & ID THEFT DOES NOT ALLOW COLLECTION. USAA DOES NOT ABIDE BY OUR LAWS. I could not pay my rent buy food XXXX. with my own funds. I brorrowed from my son to survive. SAD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also XXXX is reporting inaccurate information going by the newest lawsuit against them I am considering seeking a legal attorney on this matter because I am being treated unfairly as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage account with XXXX is not being reported to Experian due to an " internal credit agency policy ''. According to XXXX, the data is accurately reported to Experian. According to Experian, the data is not being accurately sent by XXXX. This same account shows up accurately on all other credit agencies.