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

XX/XX/XXXX I reached out to Etrade for being unable to log into my accounts. I had a bank account and two brokerage accounts. During this phone call ( 2 hours long with an agent ) I updated my phone number my mailing address, we did a conference call with an old bank account of mine and at the end of the call I verified my information and was able to access my account. So I proceeded to initiate a transfer of money from my XXXX account. Towards the end of the call the agent asks me to clear up any unwanted or closed accounts attached to my brokerage account. And he read me the account ending in numbers as well as the institution, and with all the information I gave him and what he had on his screen he proceeds to ask if i wanted to remove an account ending with numbers i didn't recognize as he also stated that it seemed like a duplicate of my wells fargo account so I agreed to remove it. Then he tells me he removed all my accounts except one which was a go 2 account through XXXX XXXX. He removed my XXXX account which my transfer was coming from and said he couldn't undo it that he was sorry. So today I get 4 pieces of mail dated XX/XX/2023 stating all my accounts were closed due to what they said they determined my personal information may have been used fraudulently to open my accounts, so they closed all of them. After verifying everything 2 days prior and with no emails or text messages. Here it is XX/XX/2023 and they took this action on the XXXX. When I called them today the agent i spoke to said it was due to possible identity theft.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax have taken over 30 days to remove inaccurate accounts and unauthorized inquiries on my report. 

Affected Accounts : XXXX XXXX XXXX ALL XXXX XXXX XXXX XXXX ALL XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ALL XXXX XXXX XXXX ALL XXXX XXXX  XXXX XXXX XXXX ( UPDATE PAYMENTS ) XXXX XXXX XXXX XXXX  ( UPDATE PAYMENTS ) XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX EQUIFAX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> Equifax
Product: Payday loan, title loan, personal loan, or advance loan

I XXXX of 2020 I had lost my job unexpectedly and due to no fault of my own. I went to Tower Loan here in XXXX Missouri to inquire about any relief on my current loan I had been paying on due to XXXX and the loss of my job. The girl working stated there was no relief options available but said she could refinance the loan to put payments out another month and a half. So she did so even though I had no job. But what I found out after getting home that day was that I had Credit Insurance on the loan she refinanced which would have provided payments for me due to the loss of my job. Now they are garnishing my wages after receiving a default judgement in the amount of {$3700.00} but say with interest I owe {$8500.00}.
Product: Credit card

American Express Dispute No. XXXX Dispute amount : {$5800.00} Since XX/XX/XXXX, American Express has been repeatedly and automatically closing my dispute in favor of XXXX XXXX XXXX XXXX, citing outdated and invalid responses from the merchant. American Express has failed to uphold its obligation to act in my interest as a defrauded, exploited consumer. 
I have reason to believe that American Express did not forward the documents that I submitted on XX/XX/XXXX and XX/XX/XXXX to the merchant. 
I resorted to opening a dispute with American Express because XXXX XXXXXXXX XXXX XXXXXXXX was unwilling to discuss a fair resolution. 
For your review and evaluation, please see the attached letter dated XX/XX/XXXX and the corresponding Exhibits that I submitted to the American Express Dispute Department. 
American Express needs to review these documents and request a written response from XXXX XXXXXXXX XXXX XXXXXXXX addressing my dispute. This matter should be resolved based on the documents I submitted to the Dispute Department.
Product: Credit reporting or other personal consumer reports

PLEASE UPDATE ALL LATE PAYMENTS TO PAID ON TIME OR AS AGREED 15 USC 1666B SEE ATTACHED DOCS
Product: Student loan

In XX/XX/XXXX I took out a spousal consolidation loan. The original balance was {$50000.00} with monthly payments of {$220.00}. The loan was a graduated loan that went from {$220.00} to {$900.00} and I was unable to pay the loan as I and my wife were working for XXXX. 


The loan went into default and the balance was accelerated from {$50000.00} to {$160000.00}. The current balance includes {$48000.00} in unpaid interest and over {$60000.00} in fees. 


My wife and I divorced in XXXX but the spousal consolidation can not be divided. My original student loan debt was {$17000.00} and my ex-wife balance was {$23000.00}. 


The terms of the spousal consolidation loan were not clear. The fees charged are usurious in nature.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Original Creditor : XXXX XXXX Open Balance : {$300.00} Acct Opened : XX/XX/2022 In accordance to the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602, it specifically states that I have a right to privacy and my information shall not be shared without consent. Also, 15 USC 1681 Section 604a states that a consumer reporting agency can not furnish my account without my written instructions under 15 USC 166b. A creditor may not treat a payment on a credit card as an open end consumer credit plan as late for any payment.
Product: Debt collection

this is a major second complaint about this plus four co debt collection calling again today, on XX/XX/XXXX2017.They must stop calling we have no debts to anyone they have they credit data mishandled with the wrong info.Waiting for a response from you people to correct this matter.My phone does not have a block system software as of yet! Thanks.Their number is XXXX, plus four inc.
Product: Bank account or service

Santander bank failed to comply with their funds availability policy ( that the first XXXX $ of ATM deposits will be available on the first day after the day of the deposit. 
This failure caused a " default fee '' to be charged ( by them ) when the XXXX $ was not available the next day. 
On XXXX XXXX, 2015 I made a ( Non-envelope ) ATM XXXX of a {$4000.00} check, and on XXXX XXXX an automatic payment was rejected for insufficient funds because XXXX had decided to hold the funds until XXXX XXXX. 
In the months that followed while trying to resolve this, I have been lied to ( and even threatened ) repeatedly - in person, by phone and by letter. I have never been given any justification for the banks actions except that " they reserve the right to not honor their own policy '' ( a reservation not stated anywhere in their policy ) I am a long time customer in perfect standing ( the account involved is more than 30 years old ) which was well before Santander was allowed to come from XXXX and take over United States banks. 
The are links to the bank 's posted policy and related US bank rules:1-XXXX2-XXXXthe entire Santander account agreement : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am showing that my credit score dropped by 72 points. 
I have no late payments and continue to pay the account payments due. 
I would like my score to be restored as I am in the middle of seeking better employment opportunities and also qualification of a new home. This came out of nowhere please provide assistance. 

Also American Express closed my account without any reason while I was on credit protection I am trying to have that account reinstated, and they forced me to run my credit to apply for a new account when the original account from XXXX should have never been closed as I made all payments on time and elected to use the American Express Credit Protection Benefit while I was XXXX. 

Why was my account closed. I need to have that account reinstated as that is one of the oldest accounts and would also help my credit report show my credit history. 

XXXX account was also closed and I did not not close that account that account was opened in XXXX and like the American Express account had a XXXX balance with no late payments. Can you please assist me with resolving these issues. 

Kindly, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

I made a payment arrangement of XXXX $ a month on a XXXX $ XXXX XXXX, which I had in 1984, to XXXX for the Univ of XXXX. I gave them my bank account information and they attemped to take out XXXX {$.00} which I never had in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX  XXXX {$14000.00} XXXX  XXXX {$660.00} XXXX XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX {$500.00}
Product: Credit reporting

Unfortunately I was the victim of identity theft. I have done everything required of me by law to substantiate my claim and submitted a report number, an FTC complaint number and an FTC Affidavit to TransUnion via certified mail. TransUnion refuses to honor my claim & the evidence submitted. TransUnion continues to report fraudulent & inaccurate information on my credit report. The FCRA ensures that all information contained in a consumers file is 100 % accurate. The following accounts are inaccurate and/or fraudulent ; 1 ) XXXX # XXXXis not my account please remove this from my credit report. 
2 ) XXXX XXXX XXXX # XXXXis not my account please remove this from my credit report. 

3 ) The XXXX/XXXX/ XXXX XXXX # XXXXis not my account please remove this from my credit report, In addition to this account being reported multiple times. 
XXXX XXXX # XXXXis not my account please remove this from my credit report. 
4 ) XXXX # XXXX, XXXX & XXXXAre not my account ( s ), please delete them from my credit fileI would also like for TransUnion to send me my entire credit file as required of them upon request per Section 609 ( a ) ( 1 ) ( A ), so that I may have the verification sent in by these alleged creditors examined for signatory forgeries.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO HUMAN XXXX-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF HUMAN TRAFFICKING OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX {$34000.00} XXXX XXXX {$0.00} XXXX  XXXX {$550.00} XXXX XXXX {$20000.00} XXXX {$0.00} CREDIT COLL {$1300.00} XXXX XXXX {$0.00} XXXX {$1200.00} XXXX XXXX  {$1300.00}
Product: Credit reporting or other personal consumer reports

I have submitted multiple complaints to various companies and credit bureaus regarding the identity theft my wife and I have experienced. Our personal information was stolen from her vehicle, and we have already filed police reports documenting the incident. We are actively working to resolve this matter and prevent any further misuse of our identities. 
Furthermore this is my personal information all other personal info should updated and deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly ( 120-180 ) days late on XXXX partial account numbers XXXX. ( Please see page attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Mortgage

I was evaluating Wells Fargo Home Mortgage to determine if I would like to utilize them as a provider of my mortgage for a home purchase. The Home Mortgage Consultant told me that a Conventional Loan was cheaper than a FHA Loan, saying that the PMI was " way higher '' on a FHA Loan. I asked him to show me the math via an Amortization Schedule for a Conventional Loan and a FHA Loan. Other mortgage companies were able to send me a document for each loan type generated from a system they utilized. This Home Mortgage Consultant sent me XXXX links to pre-populated variables at XXXX, XXXX for a Conventional Loan, the other for a FHA Loan. The variables can be changed on the site instantly. When asked to back-up the amount of PMI being factored into each table, the Home Mortgage Consultant was unable to back it up. Though the XXXX other mortgage lenders had different amounts of PMI on the Conventional Loan, the quote from Wells Fargo was arbitrary and from a third-party website that can be manipulated. The numbers can easily be changed to make XXXX option seem better than another without any accountability.
Product: Checking or savings account

On XX/XX/XXXX, I noticed XXXX transactions totaling {$920.00} that was taken out of my account from an ATM machine at a XXXX. On XX/XX/XXXX, I used my card at the same location and withdrew {$40.00}. I reported the fraud hours after it happened. After XXXX business days, the bank, Netspend, denied my claim. I requested a detailed explanation and they sent me a document saying that there was " no evidence or pattern indicating fraud '' after another XXXX business days. I then requested an actual explanation of their investigation and they sent me a document that said " the transactions fit the pattern of how I used my card because I withdrew {$40.00} on XX/XX/XXXX and the last time before that I used my card there was XX/XX/XXXX where I withdrew {$40.00} ''. This is laughable. How does me withdrawing {$40.00} twice in 9 months constitute a pattern of me using my card there? And withdrawing the XXXX amount you can for XXXX day? So, obviously what happened was on XX/XX/XXXX, there must have been some type of device that got my card details and then they made a copy of my card and used it to withdraw the {$920.00} in back to back ( XXXX transactions ). 

It's crazy to me that they would consider my last XXXX transactions there, which were XXXX  months apart, a " pattern '' when I withdrew {$40.00} twice. Then all of a sudden do XXXX back to back transactions for the daily maximum withdrawal limit. I have video proof that I was at my place of employment when the XXXX transactions in question happened.
Product: Mortgage

My Home equity line of credit matured a little over 2 years ago. I have asked numerous times for the bank to term out the balance so i could pay them back over a period of time understanding that i would pay principal and interest. I continued to make payments for approximately 2 years. My payments are almost always on time or before the due date. 
About 3 months ago they started sending back my payments and sent me a letter saying my only option was to pay off the balance in full at this time. I asked for the balance and payoff and it seemed reasonable since i had continued to make payments in amounts greater than the interest monthly that showed on my statements. Now they send me a balance owed of over {$10000.00} in additional interest and the principal balance that appears to be that which it was more than 2 years ago??? I can not reach a manager to get any explanation of how this could be nor can i get anyone to agree to term out my payments of principal and interest once i get an agreement on the correct balance owed??? Please help me get to someone who can answer these questions and clearly discuss my option to repay this within my ability.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX and Account # XXXX XXXX XXXX has violated my rights. 

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: Checking or savings account

This account is a re-election account for a State Senator in Washington state. This account goes dormant often in between election cycles. We've had this account for more than two decades. In late XXXX of this year, unauthorized debits began coming out of the account. I noticed this when I logged into the account online in early XXXX. I discovered at that time that the account was overdrawn and had been for more than a month. We ( the other account holder and I ) received no notifications from US Bank alerting us to any of the 25 unauthorized transactions that had been occurring during this XXXX and a half month time period, nor that the account was overdrawn. 

I called the bank, US Bank, immediately upon discovering this and reported the fraud/unauthorized transactions. I have called several times since to follow up and receive updates or instructions on what to do. They have restored some of the funds in early XXXX, but not all of them. Out of the nearly {$11000.00} that was stolen from the account, only roughly {$2100.00} has been restored. The fraud department at US Bank has been extremely difficult to reach and extremely rude and unhelpful in trying to restore these remaining funds. When I call, I am ping-ponged around repeatedly to different departments, disconnected several times mid-call, and told there's no additional information ( when I haven't been given much information at all ). I am consistently transferred to an intermediary who relays questions and answers back and forth between someone in the fraud department and myself. I have never been able to talk to a live person within the fraud department itself, only self-described customer service " liaisons '' on behalf of US Bank XXXX 

US Bank has claimed that only the funds stolen within a 60-day reporting window are required by law to be restored. However, my understanding is that it should be from the statement date, not the transaction date, which means another {$5500.00} or so should be restored. Is that accurate? 

It's unclear if they are going to help us restore the full {$8800.00} that remains unrestored. Sometimes when I call, I am told they are still investigating the remaining unauthorized transactions. Other times when I call they say they are not and the case is closed. I don't know what the true situation is. 

It also is unclear why they aren't trying to help us restore the full amount stolen even if it is outside the window. I have had several work colleagues who have worked for CFPB or in federal Congressional offices who have told me that it is quite common for banks to restore funds fully, even outside the window. The amount is small, the case is clearly fraud and the account requires special consideration because it's a political account, subject to public disclosure laws/public scrutiny. It's been extremely frustrating to not only have received no notifications about the overdraft or near daily debits, but also the completely unhelpful posture of US Bank in the aftermath. 

Is there anything to be done here?
Product: Credit card

I booked a car rental through Chase Travel ( through my credit card ) and paid for it with points. I booked the rental at XXXX at the XXXX XXXX  back in XXXX. There was no incident with the car, car was picked up and returned within the reservation window, but XXXX charged my credit card separately for the amount of the reservation ( which was pre-paid through Chase Travel ). I called XXXX and asked them to refund it, they told me they were sorry but I needed to contact Chase in order to get my money back. I opened a dispute with Chase. I provided them all the forms and proof of payment and invoices that they requested. In this instance, they denied my claim. I called them and asked them why and they looked at the report and said they must've made a mistake, and advised me to go to the branch and talk to someone there, that they would be able to help. So I went to the branch in XXXX, near my office on XXXX XXXX, and spoke to someone there. He also reviewed the claim and said " this is egregious '', and reopened the case. Again, I submitted all the invoices, receipts, and forms they requested. In this case, they closed the dispute finding in my favor, and told me they had issued me a credit. When I looked at my transactions though, I did have another transaction with XXXX, but it was a " Rebill '' in the amount of the original cost I was disputing. So they actually charged me AGAIN. I called Chase about this, and was shuffled around XXXX times before someone told me I would have to open another dispute and submit a letter before they would be able to issue me a credit. Why should I believe that opening a THIRD DISPUTE over the exact same information will have a different result?
Product: Credit reporting, credit repair services, or other personal consumer reports

I received documentation back in XX/XX/2020 from Portfolio Recovery Associates stating that I have an account in collections with them. I responded to the letter asking for verification and they never sent me any verification of debt. I sent them a cease and desist and they continue to contact me by phone. They also continue to report this debt on my credit report saying XXXX days late when its a collection account. This illegal activity is hindering my credit.
Product: Credit reporting or other personal consumer reports

Errors involving unauthorized hard inquiries have been found on my credit report, contrary to 15 USC 1681c-2. I urge you to remove these to protect my credit.