23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/2023, I received notice from XXXX XXXX XXXXXXXX that my credit score had negatively changed. Upon receiving this notice, I reviewed my credit report and noticed that Barclays had shown me XXXX-days delinquent on XXXX of my credit cards. I then went to Barclays ' website to look at my accounts and printout any statements that could shed light on the problem. It turned out that I had made a charge on the card in the amount of {$7.00} in XXXX on an XXXX XXXX flight. However, Barclays had failed to send me any statements or provide electronic notifications. I immediately printed out the missing statements and made payment of the {$7.00} from the XXXX charge. I then contacted Barclays to address the late fees and interest. After discussing the issues, Barclays agreed to remove the late fees and interest charges. However, they wanted me to pay the {$39.00}, which would be credited back on the next statement. I explained that this seem rather unusual and a waste of everyone 's efforts. But the staffer stated it was policy. I requested to speak with a manager, who called me back the next day. After the manager 's review and based on our discussions, it was agreed that I did not need to send any money and the account would show a XXXX balance on the next statement. It was also agreed to restore my credit limit back from {$500.00} to the original {$20000.00}. I requested, and the manager agreed to work with the consumer credit reporting agencies to correct the faulty reporting, to restore my credit rating. I filed dispute notices with the agencies and got the usual response. I have tried to work with Barclays, but just get form letter. The latest letter states that Barclays will advise the consumer credit reporting agencies that I dispute the information that Barclays provided. However, they have not given any indication that the manager or anyone from Barclays is make an effort to correct the faulty reporting and get my credit rating restored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that PNC BANK have placed an inquiry on my XXXX  credit file dated XX/XX/2020. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both PNC BANK and XXXX to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is reporting a false foreclosure to the  XXXX  credit services. BOA received a consent order signed by  XXXX   County S  uperior Court Judge   XXXX   XXXX  on   XX/XX/XXXX   stating that the BOA foreclosure was a MISTAKE on the part of BOA. I PAID MY MORTAGE IN FULL ON   XX/XX/XXXX  . Yet BOA is reporting late payments  XXXX  times.   Bank of America was supposed to correct the error with   XXXX   XXXX  and  XXXX  . As o f  XX/XX/XXXX  BO A has not corrected their MISTAKE. Because of  BOA  's MISTAKE I have been locked out of the traditional credit markets. I can not even get  a   XXXX   XXXX   XXXX    credit credit card. I can not get a mortgage to buy a home, because my  credit score  is in the  XXXX   XXXX . BOA 's MISTAKE has cost m e thousands of dollars in legal fees and exorbitant interest rates in the tertiary fin ancing markets ( maxed-out credit cards  ). B OA forced me to liquidate my business to generate cash to pay my bills. I have contacted BOA numerous times to no avail. the last BOA person I spoke to was  XXXX   XXXX ,  Resolution speciali  st   XXXX   XXXX , to no avail. I have all of the documentation for anyone 's review.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX  XXXX Balance : {$250.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior to filing bankruptcy, I closed by XXXX account and paid off the balance. However, Comenity Bank has reported to the credit bureaus that the account was part of the bankruptcy. It was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report recently and noticed credit hard inquiries that I did not authorize made by companies : 1 ) XXXX on XX/XX/XXXX and XX/XX/XXXX 2 ) bank of America on XX/XX/XXXX 3 ) XXXX card on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 4 ) XXXX / XXXX on XX/XX/XXXX I did not authorize any employee by these companies to make any hard inquiry and view my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 credit bureaus are reporting two late payments reported on XXXX & XX/XX/XXXX from the XXXX XXXX XXXX XXXX Account. I contacted XXXX XXXX XXXX XXXX previously and requested removal of both late payments and was told you could not honor my request. On XX/XX/XXXX, I called customer service again and requested a payment accommodation to wave the late payment fees, in the amount of {$38.00} that occurred during this time. Which was granted by XXXX XXXX XXXX XXXX. In my letter I mentioned the passed Coronavirus Aid, Relief and Economic Security. The Credit Reporting Scores under the CARES act, the federal government put in place special protections that change the way creditors report information. The law requires creditors to report any account that has a Payment Accommodation Applied to it as current to the credit bureaus- as long as the account was current when the accommodation made. It states the creditor needs to report to the credit bureaus that you are current on your loan. 
I received a credit bureau review letter on XX/XX/XXXX from XXXX XXXX stating has reported the payment history accurately as required by law. I'm disputing this because of the CARES act states since they provided me an accommodation, they must remove the late payments off of my credit report. Please assist me and thank you for your help with this matter.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX {$480.00} XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX Balance : {$480.00} XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XXXX AV XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I put my card on the Albert cash app and somehow my account has been signed out of. Ive been trying to get back into my account but my phone is currently off and I need a the same password or the same email associated with the account. It wont let me change a thing Ive tried reaching out and calling all different numbers. They dont have a direct person I can talk to basically. I need to get in to my account my card and my money is on there and Im not able to use it.
Product: Money transfer, virtual currency, or money service

Follow-up : Complaint no XXXX Today I called Ally Bank and had spent close to 1 hour on phone but without any result. I told them many times over phone and messages that I wanted to revoke a payment authorization but they never handled my query properly. I don't know what happened to the dispute request since they had closed it long time ago.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number XXXX
Product: Mortgage

In XX/XX/2016 I purchased a home through Dollar Bank using the FHA program. During my home search I expressed wanting to purchase a multi-family property that would be owner-occupied. I was told by the banker that FHA changed it's rules and I could not purchase a multi-family home. I have come to learn that I, in fact, could have purchased a multi-family home using the FHA program, and I have been feeling cheated ( and redlined ) out of the home I truly wanted and would have been happy living in.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees i have occurred. Despite have sufficient funds when transaction were authorized. I was charged fees due to lagged posting of charges and credits. This issue alines with the recent XXXX findings against Navy Federal for similar practices were transaction settled with insufficient balance despite initial available funds. I believe practices are unfair and request and investigation into my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked XXXX, XXXX and Equifax to remove the inaccurate information which is XXXX and XXXX XXXX and they refuse to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending several correspondence beginning on XX/XX/2022 to this company in regards to the incorrect data placed on my credit report. I know it is my right as a consumer to request this company to validate this debt. I never received the information requested, I only received correspondence stating that this account was verified. I requested the method of verification and an audit trail and still nothing was presented.
Product: Credit card or prepaid card

I signed up for a Wells Fargo Cash Wise Visa Card. I did not receive the {$200.00} cash rewards bonus after spending {$1000.00} in first 3 months
Product: Mortgage

I have a mortgage with Caliber Home Loans, since XX/XX/XXXX. The escrow amount for the mortgage had recently increased by about {$500.00} per month due to an increase in property taxes. The payment was {$2600.00} but increased to {$3100.00} effective XX/XX/XXXX. 

While Caliber did notify me via postal mail, I did not notice that my payment was going to increase. I typically always pay more than the minimum amount due on this mortgage in order to pay it off sooner, but it wasn't enough to cover the new minimum payment due. 

My normal payment of {$2700.00} was received by Caliber onXX/XX/XXXX, but was held in 'unapplied ' status until the remainder of the payment was received on XX/XX/XXXX. 

And as you can see from the attached statement, it still is in some sort of limbo status, and my principal balance is not reflecting the payment. ***I have been accruing additional interest due to their failure to post the principle and interest payment when they recieved it on XX/XX/XXXX, and still not posted as of today XX/XX/XXXX. 

Caliber made no attempt to call or leave a voicemail on my phone until XX/XX/XXXX. 
I have never been late on a mortgage payment. And Caliber is being predatory with this late payment, that was due to a recent change in escrow and the minimum payment due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mariner Finance is double reporting and I would like them to update the balance to XXXX since they sold the account to another debtor who is also reporting the same debt which is a violation of the Fair Credit Reporting Act. The unpaid balance is {$5800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor consent to the following inquires
Product: Debt collection

I had money taken out of my bank account by Capital One for credit card debt. I was not notified about any judgement or levy against me and I'm not sure if they even had one. This happened today, XX/XX/2020. They took a little over {$7000.00} and left me with about -- {$2000.00}. I tried reaching out to them about it weeks ago worried that they would try something, but I never got an answer back and with work, I don't often have time to continuously reach out to them.
Product: Checking or savings account

Funds came up missing out of my account and could not deposit any more checks account was frozen for more than three days when account unfroze funds were removed from my account
Product: Credit reporting or other personal consumer reports

I am extremely dismayed by the recent credit report I received! This situation is completely unacceptable. It baffles me that the government permits such glaring errors that have such detrimental effects on individuals. Unless you promptly and accurately address this letter, I am prepared to take any necessary steps to hold you accountable for your poor reporting practices. I have no knowledge of the following accounts. 
XXXX XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX. ) XXXX.
Product: Debt collection

XXXX XXXX XXXX is attempting to collect on a debt not owed and paid to the original creditor already.
Product: Mortgage

On XXXX XXXX, I went on the website LendingTree.com to search for a refinance of our current mortgage. In the questions I was asked if we had filed a bankruptcy in the previous 7 years. I answered yes, and that it was more than 6 years prior. 

Within a few moments, I received a call from a XXXX XXXX of XXXX. Initially the conversation was quite productive. I disclosed that in the XXXX bankruptcy, we surrendered a property which had a mortgage through XXXX XXXX XXXX. I explained that XXXX XXXX XXXX has refused to take title back despite our efforts. 

In a subsequent email, XXXX . XXXX quoted an unnamed manager who said that there was " zero chance '' we still had title to the property, and insinuated we were lying. XXXX XXXX then refused to proceed with the application process. 

This scenario is a common XXXX, and well known to bankruptcy lawyers. There is no legal way to compel a lender to take back title and/or force them to release the lien. Properties become like zombies- not really alive, but not dead either. Debtors ca n't get them out of their names. I provided evidence of this by pointing to a memorandum issued by a bankruptcy judge. I also provided a copy of XXXX guidelines showing that lenders are supposed to verify the information and, once verified, go by the bankruptcy date. 

XXXX XXXX XXXX, XXXX, and Lending Tree Inc simply do not have the right to be arbitrary and capricious in pre-judging loan applications. They have a duty to their investors and XXXX to investigate applications, but they also have a moral and legal duty to make sure applicants such as us are treated fairly and ethically. A government insured mortgage was an option that XXXX . XXXX could have pursued. By failing to do so, he effectively denied us a right to due process. 

We did not want to file for bankruptcy in XXXX. However it was necessitated by my total XXXX. We have managed our financial affairs quite well, and now have credit scores above XXXX. There is no reason for XXXX and Lending Tree to refuse to take our application.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, TransUnion, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX XXXXXXXX XXXX are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX XXXX XXXX, the financial institutions and the Consumer reporting agencies XXXX, TransUnion, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Transunion, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX  XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that but it states in 15 USC 1681C ( a ) ( 5 ) " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and TransUnion are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

Several years ago I overdrew my U.S. Bank checking account, after paying the incurred fee I went to a local branch and enquired what I could do to avoid this in the future. I the banker said he enabled a feature of the account that I understood to be a type of overdraft protection where pre authorizations for transactions that were larger than the account balance would be declined. Additionally I was told I was signed up for email alerts about low balances. This past week U.S. charged me three {$38.00} overdraft fees in rapid succession, when I called U.S. Bank I was told my account was actually configured to accept transactions that would put the account in overdraft for a {$38.00} fee to extend that credit. This is exactly the situation I wanted to avoid by going into the branch and instead of limiting the overdrafts on the account it was instead configured to accept more overdraft transactions, each for a fee.I also want to note the three transactions for which the {$38.00} fees were levied were not recurring transactions but one time transactions which I fully expected to be declined if they would put the account into overdraft. Instead U.S. Bank not only allowed the account to go into overdraft but once it was in overdraft continued to approve transactions and charged a fee for each occasion. The U.S. Bank phone rep argued these fees were valid because U.S. Bank provided me with a service in the form of credit once my account was overdrawn, however I took explicit action to disable this feature and service and believe these charges to be highly questionable given these facts.
Product: Mortgage

I went online to my personal checking account and I noticed that SWBC Mortgage accessed my checking account and withdrew my mortgage payment without my authority. 
I never let company 's auto draft on my account, and I have always submitted the payment manually. 
I called SWBC mortgage and they said I gave them authority to withdraw my mortgage from my account through an autodialer ( Robo call ). That's complete XXXX 
I said if you have the recording of the call with me giving you permission let me hear it. Of course they couldn't do it, because it never happened. 
It's a crime to access anyone 's personal bank account without that person 's permission and I'm sure its a felony to misrepresent themselves for payment. 
I spoke to XXXX XXXX and I asked them why they let someone without authority access my account. 
On XXXXXXXX XXXX XXXXXXXX weekend, I received a fraud alert on my account and I called XXXX XXXX and they are investigating it. When I hear back from XXXX XXXX I will know whether the fraud alert was triggered from SWBC Mortgage. 
I had to cancel my debit card during the weekend. 

Please get back in touch with me as soon as possible, this horribly upsetting to me. How in the world could anyone access my personal checking account without permission. 

XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> I realized my Wells Fargo account was lower than usual and that there had been some charges sent to my XXXX XXXX account that I had not done for {$160.00} on XX/XX/year>, {$100.00} for XX/XX/year> another for {$100.00} on XX/XX/year>. During these dates my ex girlfriend was in town and I believe she used my phone to transfer money to my cash app account to send to her cash app account so I could not dispute. I hadnt noticed the transactions before the XXXX because I have other checking accounts with different banks. I was waiting on Wells Fargo to call me for an statement but I called them on XX/XX/year> because I had seen my case was only opened and had not started processing and there were no additional emails asking for me to provide any additional information. I asked my ex on the XXXX did she do it and she admitted it I was waiting on a chance to talk to the bank or for the bank to email me with more details before I called today on the XXXX.
Product: Credit card

I had XXXX orders from Amazon for over {$150.00} each. Had auto pay with Synchrony credit card and they still charge me. Getting run around since then. Canceled Amazon account and card to stop Fraud by bank.