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

My name is XXXX XXXX please add this to my XXXX case number XXXX complaint every time I called in to get a update on my XXXX dispute XXXX for XXXX and other dispute for claim XXXX dispute XXXX is XXXX and when I called customer support at XXXX to get a update on both claims they cant help me when because my account is closed for my saving and checking account and their is a restriction on it yall put on my account for no reason and then closed my accounts out for no reason at XXXX when I have resolved it in the branch by giving yall all the information and documents yall needed for XXXX dispute XXXX XXXX I need a update on it was it reopen and investigation or not if not I need it to be reopen and investigation again and for the other dispute claim number for XXXX I need it be investigated and give me a update on both claims because claim number XXXX should be reopen and investigated because the agents put in a request to have it reopen and investigation {$200.00} XXXX Transaction ID : XXXX that should be reopen and investigation by my request and the phone agent requests and give me a update on it when it is reopen and investigation when XXXX put the money back into the account for {$200.00} and for the {$800.00} claim Transaction ID : XXXX I need a update on it and put the money back into the Transaction ID : XXXX for the {$800.00} and for the {$60.00} claim Transaction ID : XXXX and also put the money back into the account for the {$60.00} claim too or if their isnt a claim dispute filled for the {$800.00} and {$60.00} file XXXX for me for service not received and then put the money into my checking account if the {$800.00} and {$60.00} was file and declined or rejected put in a request to have it to be reopen and investigation by my request by law for all claims for {$200.00} and {$60.00} and {$800.00} so they can reopen all of them and investigate them again and this local bank didnt want to help me out by giving me a update or getting them reopen by doing a appeal or couldnt help the local bank branch supervisor say so please help me and do it for it was at M & T Bank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Phone XXXX ( XXXX ) XXXX and his name was XXXX XXXX BRANCH XXXX and his email was XXXX and I never received my new opening account promotion credit for {$100.00} into my checking account I have meet the requirements to get it I meet the {$500.00} direct deposit to get the {$100.00} new opening account promotion credit and I still never got it before my checking and saving account was closed out for no reason and I am requesting yall by law to put it into my checking account and I am requesting a total amount of {$1100.00} credits to be mailed to me in by mail to at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX etc account XXXX are Checking XXXX and saving XXXX etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX Equifax : XXXX XXXX  : XXXX XXXX : XXXX, XXXX XXXX. Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXXXXXXEquifax : XXXX XXXX  : XXXX, XXXX Equifax : XXXX XXXX : XXXX, XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX Equifax : XXXX, XXXX XXXX XXXX, US DEP ED Equifax : XXXX XXXX : XXXX, US DEP ED Equifax : XXXX XXXX : XXXX.
Product: Credit card

In XXXX, I opened up a credit card ending in # XXXX for the purpose of having NSF coverage for my bb & t/ Truist checking account. The banker did NOT make me aware of a fee of {$450.00} annual fee. Had I been made aware of this fee, I would NEVER have opened this credit card account. In XX/XX/2023 I was charged {$450.00}. I rarely used this card and was receiving XXXXXXXX XXXX  at that time, so I did not see this charge until XXXX. 

Since that time, I have called Truist bank, Truist credit card & Truist rewards debt, multiple times, asking for a refund of this fee as I was NOT aware that I would be charged this amount. I have been to the bank in-person and have made additional calls still trying to get this refunded. 

As of XXXX, I lodged a complaint with Truist -- they refused to provide me a copy of the complaint - I was given a complaint # XX/XX/2023 XXXX with compliant. 

Since that time, I have been told that this card was " grandfathered-in '' - and its details, rewards, costs and info are NO LONGER on any Truist website.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S Code 1666B, the Federal Reserve Board is required to establish regulations to protect consumers from unfair and deceptive practices regarding credit card accounts and overdraft services. These regulations aim to promote transparency and fairness in the credit card industry, ensuring that consumers are fully informed about the terms and conditions of their credit card accounts and are not subjected to unfair or deceptive practices by credit card issuers. 

According to Section 15 U.S Code 1666B, I have been working on improving my credit and my understanding is that it takes five consecutive on-time payments for one late payment to be removed from my credit report. I have diligently made more than five consecutive payments on all my credit cards, demonstrating my commitment to paying as intended. Therefore, I am writing this letter to request a resolution that will either remove these late payments from my credit report or minimize their impact on my credit history. 

Additionally, it is worth noting that credit card protection was purchased for certain cards. This means that in the event of any hardships or unforeseen circumstances, the minimum balance required to be paid would be covered, and no late payments would affect the credit history during the time of these difficulties. However, during the XXXX pandemic, when many people faced financial challenges, none of the credit card companies extended their support or offered any assistance, despite the credit card protection that had been paid for. 

The accounts and creditors are listed below XXXX XXXX XXXX XXXX days late For the month of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX days late For the month of XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX {$11000.00} XXXX XXXX
Product: Mortgage

We've been trying to get a loan modification since XXXX and they've come back 3 times asking for us to fill out the same paperwork over again. They sent someone to our home twice with a big yellow notification taped to our door to call them when I'm working with a law firm and have provided all the information they requested. This is M & T Bank! They are harassing us.
Product: Credit reporting or other personal consumer reports

I noticed many inquiries on my report since my bankruptcy in XXXX and I did not make them. I have a file number with the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT : XXXX 15 U.S.C 1681 SECTION 602 A.STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Bank account or service

I closed my account with Rushcard over 90 days ago with an outstanding balance of a little over {$60.00}. I was told that I would be issued a check for the remaining funds within 7-10 days. I waited 30 days and contacted them again, and was told the same thing. I never received my funds. I called after 30 days again and was told once again they would mail me a check or send me an activated card in 7-10 days. I requested that they overnight a check, because I do not want another card in which I will have to pay fees to use. I was told they can not overnight anything and I would have to wait another 7-10 days. This is unacceptable. They have already withheld my funds from me for too long and do n't provide answers or solutions when contacted.
Product: Credit card or prepaid card

In early XXXX I went to the company 's website to pay my credit card balance in full. The company 's website gave me a balance and I proceeded to pay online - using THEIR online payment method - to pay the amount THEY gave me. Nothing noted on the website to CALL them for a balance to pay off. In retrospect, calling their XXXX # was a joke and took way too much time to talk to a human. After paying a nearly $ XXXX balance they charged me {$43.00} in interest and said it's 'valid ' upon numerous calls to them. One representative told me it's a 'daily interest charge ' yet they can't display that on their website to tell consumers this. She also indicated while it's daily we only give you the balance monthly. How can anyone pay off their balance in full online when this is the case - especially with NO DISCLOSURES. I have since shredded my card and the account is closed yet they are admit I owe them {$43.00}. Front line reps were rude and one of the two supervisors proceeded to hang up on me. I understand that the charges were potentially 'incurring ' from the prior month but they need to clearly disclose this on their website when someone is making an account payoff in good faith.
Product: Mortgage

Requested Payoff from HSBS XXXX. They refused because of signature. Several attempts later we are still waiting on a payoff. Title Company faxed the request again yesterday with signatures. I faxed a signed request directly to HSBC at XXXX today as a dual request. The mortgage company does n't have either request on hand. While ALL of this is going on, HSBC is charging me MORE and MORE money every day. The law states 7 days for a payoff - it 's been a MONTH. I as the consumer can NOT refinance without HSBC providing a payoff.
Product: Money transfer, virtual currency, or money service

I am a Bank of America customer and received a call from someone pretending to be a Bank of America representative in the fraud department. Within the previous week I had two instances of fraud affecting other accounts in the same bank. This person noticed me that there was suspicious activity on my XXXX account. He told me the name of the person who had taken {$3500.00} from my account and then proceeded to walk me through the steps of transferring this money back to my XXXX account. He told me not to log into my account for 24 hrs and that he would contact me the next day to handle any next steps in reversing the fraudulent payments. So many red flags present! Had it not been for the fact that he called me while I was at work and the fact that I just had two other instances of fraud in the previous week I think I may have hung up! Bank of America has taken my report but warns me that they are unlikely to retrieve the money because it was essentially me who authorized the transfer. The crook had me send the money back to myself by creating a new contact in my XXXX that was my own information but arranged differently. It was the last 4 letters of my first name and my last name spelled backwards. Its completely ridiculous that I fell for this given I have XXXX XXXX  degrees and am tech savvy. Now when I look in my XXXX history I see that the crook connected this new contact to his phone number. I never entered this number. He received {$2900.00} and I likely wont have this refunded, per my bank, unless the crooks bank it willing to return it.
Product: Credit reporting or other personal consumer reports

XXXX has not reported an update on my account since XXXXXXXX XXXX XXXX My account has been closed for months. They refuse to report it as closed. XXXX customer service is horrendous. They take XXXX days to reply every time and when they do the person replying is clueless. I was instructed to call in for help and when I did I could not get past the robot because my account is closed why would you knowingly advise me to call in when I will never be able to reach any assistance if the account is closed. I continue to try and get help over email and every time they ask for more and more PII after I already verified my last 4 of social, address name etc. and Im using the email address they have on file?!? They refuse to provide documentation that the account is closed and they refuse to assure me the account will be reported as closed with Equifax.
Product: Mortgage

I'm writing to have two late payments that were reported to the credit bureaus removed from my credit report. The two late payments of over 30 days occurred in XX/XX/XXXX and XX/XX/XXXX. 

I've had on time payment history since I bought my home in XXXX of XXXX, and when I was notified of the payments for these two dates not processing I immediately paid the full balance and have made on time payments ever since. I'm requesting these be removed from my credit report.
Product: Credit card

Discover offered me multiple promotional balance transfer offers. In exchange for a one-time transfer fee, I would receive a 0 % APR for 12-18 months. I paid these large fees to transfer substantial balances and receive the promotional APR for the advertised period of time.

I also continued to use the card for typical purchases, but pay in full at the end of the month for any incremental purchases I made, as well as the minimum payment if it was larger than the amount of my standard purchases.

After almost a year, I realized that Discover was in fact using my monthly payments to payoff the 0 % balances that I had paid to be set to 0 %, while allowing my non-promotional balances to accrue at a rate in the 24-25 % range. They effectively converted my promotional balances into non-promotional balances despite the fact that I had paid for the rate to be 0 % on those amounts. 

This type of anti-consumer behavior is very reminiscent of the reordering of purchases to maximize late fees that banks used to do.
Product: Student loan

I noticed that my student loan deferment period was set to end on XX/XX/2024 and payments set to resume on XX/XX/2024, despite remaining enrolled full-time in university. I initially contacted Nelnet on XX/XX/2024 via phone call and they informed me that it was too soon to do anything and to call back in XXXX. I called back on XX/XX/2024 and they said that my university had provided them with the incorrect graduation date and to contact my university 's financial aid office ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). I called financial aid, who sent me to student accounting, who sent me to the registrar 's office, who sent me back to Nelnet saying that their records did not have me graduating in the XXXX. I called Nelnet again on XX/XX/2024 to explain this and find a way to avoid deferment cancellation. 

Initially, the customer service respondent incorrectly asserted that the deferred periods are lapsed during the summer. I pointed out that my last XXXX  years of XXXX  school this has not been the case. She put me on hold, returned to say that summer periods are not counted against our deferment schedule as long as we remain enrolled in the Fall ( which I am ). She said there was nothing further to be done at this time and they would contact the university. Today I received notification that my student loans are no longer deferred and I do owe payments effecting XX/XX/XXXX, despite remaining full-time enrolled at the XXXX XXXX XXXX XXXX XXXXXXXX for XXXXXXXX XXXX XXXX and XXXX XXXX academic quarters. 

I should not be held liable for any interest accrued during this time, as I have taken every step to ensure my rights as a continuing university student.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to bring to your attention a series of alarming violations of federal consumer protection laws that have had a profound and distressing impact on my financial well-being and emotional stability. The violations pertain to unauthorized inquiries, incorrect personal information, and inaccurate reporting on my credit report by various creditors. I implore you to enforce the legal rights and protections afforded by the laws and regulations established to safeguard consumers like myself. 

The following violations have occurred : Unauthorized Inquiries ( FCRA - Section 604 ( a ) ( 3 ) ( B ) ) : 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 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 Date of Inquiry : XX/XX/XXXX Incorrect Personal Information ( FCRA - Section 611 ( a ) ( 1 ) ) : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inaccurate Reporting ( FCRA - Section 607 ( b ) and 623 ( a ) ( 2 ) ) : XXXX  XXXX Bankruptcy, Case Number : XXXX, listed inaccurately with the bankruptcy court as the furnisher. 
These violations have not only undermined my financial stability but have also caused significant emotional distress. The stress and XXXX  brought about by these violations have impacted my ability to focus on my work, affecting my professional performance and career growth. It has strained relationships with loved ones as I grapple with the weight of this situation. 

As a consumer who has diligently upheld their responsibilities, I kindly request that you enforce my legal rights by ensuring that the aforementioned creditors promptly remove the unauthorized inquiries and inaccurate information from my credit report. These unverified accounts have unjustly tarnished my creditworthiness, hindering my access to financial opportunities and peace of mind. 

I am attaching relevant documentation and evidence to support my claims. Your assistance in rectifying these violations and restoring the accuracy of my credit report is of utmost importance to me. I look forward to your prompt attention and resolution of this matter. 

Thank you for your understanding and commitment to upholding consumer rights. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

XXXX I took out a title loan on my XXXX XXXX. The representative of this company stated to me over and over I would pay x amount for x months. I asked him over and over to be sure. During the payments I noticed the pay off amount wasn't going down. I called and asked why they stated because of the high interest. Which made the conversation between me and the sales rep a lie. The interest should have been included in the x amount above to pay off the loan in the x amount of months. They repoed my car in XXXX during the covid pandemic when times were really hard. 
I " m not sure how many payments were made but according XXXX  it was about XXXX payments ( I could be off ) at XXXX, this is for a loan less than XXXX, about XXXX. I contacted the company about a set price they refuse to stop the interest, I told them I can not pay this loan for ever. 
They are now sueing me for XXXX and trying to garnish my pay check. This company new I wasn't rich because I constantly asked did I only have to pay the x amount over and over. 
This company wilshire consumer is still at it. I've read reviews that states they're still charging hi interest on loans. I am not a rich man I can not afford to pay XXXX XXXX dollars for a XXXX dollar loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly tried to use Experian 's website to unfreeze my credit so I can refinance, but unable to unfreeze. It is IMPOSSIBLE to get a human on the phone to explain my problem. I am continually given the message to mail in my social, name, address, copy of utility bill. I did mail all requested information a week ago and my lender tells me it is still frozen. 

This is all ridiculous and I had no other problem with the other two credit reporting agencies. HELP!
Product: Debt collection

A balance of {$13000.00} is reporting on my TransUnion bureau. The creditor 13 XXXX XXXX XXXX XXXX is expecting me to pay an outstanding amount when the account is at an upmost max of {$10000.00}. The account is 2 years 9 months old. Has been affecting my credit score for years. After multiple attempts of disputing this specific account with the credit bureaus, I have been unsuccessful and is affecting my score and chance of my approval odds to get a loan.
Product: Debt collection

I looked at my XXXX credit report and noticed a random medical debt from American Accounts Advisors so I called to see if they would verify that I owe this debt. I was told that the name is the same but the birthdate was XX/XX/XXXX. I was born in XX/XX/XXXX. Clearly this is a case of mistaken identity so this need to be removed I tried on XX/XX/XXXX to dispute it directly with XXXX to no avail.
Product: Payday loan, title loan, personal loan, or advance loan

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XX/XX/XXXX, {$25.00} was taken but it still gave me a late inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX a new credit card account was added to my credit profile. Address was added with it that belongs to an ex-girlfriends parents. Account was opened XX/XX/XXXX while we were together. I had no knowledge of this credit card and did not consent to co-sign for it. Account is in dispute with XXXX and Ill be calling Discover Card during business hours to notify them. Credit limit on account is XXXX with total use being XXXX