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

Re : Pentagon Federal Credit Union Accounts Frozen XXXX XXXX Member number XXXX Routing XXXX Checking Account XXXX Saving Account XXXX I sent money through XXXX XXXX to my pentagon Federal XXXX Account. The money was charged to my XXXX XXXX XXXX XXXX XXXX. 
My husband, XXXX XXXX, sent money through XXXX XXXX to my Pentagon Federal checking account. The money was charged to the same XXXX XXXX XXXX XXXX account ( authorized user so the same account ). 
Money was used to pay XXXX XXXX XXXX XXXX XXXX and one transfer to fund my account with XXXX XXXX. Pentagon Federal froze the account on XX/XX/2002 and I have asked repeatedly to talk with anyone in their security/fraud department to resolve the issue but those requests were denied. I was told the accounts were permanently frozen and that was all. Attached you will find a log of conversations as well as an accounting of all transactions, screenshots of the XXXX XXXX Transactions, and screenshots of XXXX XXXX XXXX XXXX XXXX to document all of the transactions showing that the money was not fraudulently acquired. Note : there is not a statement from Pentagon Federal Credit Union because they have frozen the account and have not provided a statement as requested. Additionally, Pentagon Federal Credit Union rejected XXXX transfers for a total of {$3900.00} but those transactions were completed and recorded by both XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. By rejecting money that had been transferred, they have essentially stolen {$3900.00} from me. As shown in the screenshots of the XXXX XXXX XXXX XXXX XXXX account, I still owe that amount to XXXX XXXX XXXX XXXX XXXX.
Product: Money transfers

Use the western union services fairly often for small transfer. Cancelled a transfer ( {$260.00} plus {$6.00} fee ) within five minutes or less on XXXX XXXX, 2015. Was told money would be credited back to my XXXX XXXX within 5 days. On XXXX XXXX called regarding credit to XXXX and when they said nothing had been credited I called WU. They told me it was still being processed. XXXX told me best to file disputed. On XXXX XXXX called WU again because I was no longer able to wire transfer online but given message to go to agent. Since I live XXXX miles from nearest agent and probably sent XXXX previous online transfer that is totally unacceptable. Called yesterday and they said everything would be taken care of immediately and no reason I could n't use online services. 
Tried again to go online and WU has poor timing in sending me a customer survey. 
Here is what I summarized ; Called regarding my refund status on cancelled transfer from28 days ago. Was told it would be refunded that same day yesterday but XXXX has not received any notice. In addition I asked why I could not send online transfer anymore and yd to go to agent. They said there is no problem but 24 hours later XXXX XXXX has received nothing and I am still unable to do wire transfers. Seems like retaliation for my complaint. 

Thanks, XXXXSent from my iPhoneSent from my iPhone
Product: Credit reporting or other personal consumer reports

On or about XXXX, XXXX  ; I Consolidated a Private Student Loan from EDFINANCIAL to a Federal Student Loan/Dept of Education Loan Serviced by XXXX. 
Since this time, i have been trying to get this transferred loan off of my credit report. I have written letters to EDFINANCIAL, have filed complaints and have done everything that I can think of to get this loan removed. As of today, This Student loan Is Still Showing as Open with a balance of {$22000.00}, Dept of EdXXXX XXXX XXXX is also showing with a balance of {$22000.00} ; which means that this loan is showing on All Three Credit Reporting Agencies as TWO Open Loans instead of ONE.
Product: Mortgage

I have 2 loans with City National Bank, and have been paying on these loans for many years. In XXXX of XXXX, I sent payment as usual to City National Bank on the XXXX of the month, and for some reason they claim that they did not receive it until the XXXX, and charged me a late fee of {$220.00}, and I contacted XXXX XXXX, Relationship Officer, and was told that it is not their problem but a issue with post office. The late fee is charged after the XXXX of each month, and since the payment is being sent from XXXX XXXX to XXXX XXXX, as always, believed that there should not be an issue. 
This month, XXXX, I sent payment on this same loan on the XXXX, and the payment was posted on the XXXX, with a holiday in between ( XXXX XXXX ), and do not understand why the payment was posted in a reasonable time frame with a holiday? 
I then sent payment on the other loan on the XXXX of XXXX, and they claim that it was not received until the XXXX, which again does not make sense since the other loan was received within 5 days with a holiday, and they want to charge me a late charge again, now on the other loan. I contacted them on the eve of the XXXX to see why it had not been received, and they did not respond. 
I have contacted XXXX XXXX, customer service, and XXXX XXXX ( supervisor for XXXX XXXX ), and they tell me that it is my fault and the postal service. I have been paying the same on these loans for 8-10 years, and yet they give me no courtesy on this situation and I can not continue to be paying late fees on these loans. 
I am sure this is happening to other consumers, and is not fair lending practice to not apply payments in a timely fashion. I would like someone to look into this practice, as I have other loans and do not have any issue with any other lender besides City National Bank.
Product: Debt collection

I, XXXX XXXX, consumer and natural person am writing to notify you to stop all illegal and/or negative activities in association with but not limited to : my credit card, my name, and my vehicle. It has come to my attention that WELLS FARGO has violated me the consumer who is protected by federal and state law, by using my credit card without authorization illegally and producing a false promissory note with a forged signature. I WAS NEVER PRESENT AT XXXX XXXX ON XX/XX/XXXX TO SIGN THE CONTRACT THAT WELLS FARGO PROVIDED TO ME, NOR DID I GIVE CONSENT TO ENTER INTO THAT CONTRACT, AND THE SIGNATURE ON THE CONTRACT THAT WELLS FARGO SENT TO ME BY EMAIL IS AN ELECTRONICALLY FORGED SIGNATURE THAT WAS PLACED BY THE FINANCING MANAGER OR AN AGENT OF XXXX XXXX. I am disputing this alleged debt. 
I entered into a consumer credit transaction on XX/XX/XXXX for the purchase of a XXXX XXXX XXXX it was paid for and I owe no debt. However, on XX/XX/XXXX, WELLS FARGO violated my consumer rights by engaging in an unauthorized use of my credit card to obtain financing for a vehicle that I had already purchased when I entered into a consumer credit transaction on XX/XX/XXXX. I was not aware, nor given any notification of this transaction beforehand. 15 U.S. Code 1644 ( p ) defines The term unauthorized use, as a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 
WELLS FARGO fraudulently used my credit card to produce a promissory note on XX/XX/XXXX, without authorization, which is evidenced by a statement that I received from Wells Fargo and the contract that I was sent via email of an alleged debt that is owed which is unequitable to me as a consumer. As a result, WELLS FARGO has violated 15 U.S. Code 1644 ( a ) Use, attempt or conspiracy to use card in transaction affecting interstate or foreign commerce 15 U.S. Code 1644 ( c ) Use of interstate commerce to sell or transport card. 
15 U.S. Code 1644 ( f ) Furnishing of money, etc., through use of card I, XXXX XXXX, a consumer am also protected by Florida state laws which were violated by Wells Fargo XXXX. WELLS FARGO originated a loan under my name on XX/XX/XXXX without my authorization which is violation of 817.54, Fla. Stat. ( 2016 ) by obtaining a promissory note by false representation 817.645, Fla. Stat. ( 2018 ) Alteration of credit card invoice, when WELLS FARGO furnished a new contract ( please see attachment )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I noticed several entries placed BACK on my XXXX   credit report after being removed ( some years earlier ). The items were basically sold to another company and re-reported. XXXX  has since removed these entries, but XXXX  and XXXX  have refused to comply. Additionally, I've provided all 3 credit reporting agencies with my State Issued REAL ID and Social Security Card which provides my full name : XXXX XXXX ... not XXXX XXXX or XXXX XXXX, as we all know that state issued REAL IDs are the equivalent of a United States Passport ; therefore there should be no confusion as to which accounts are mines and which are not. I've asked them to remove anything that doesn't provide my name as XXXX XXXX. Lastly, XXXX  has placed a message on my credit report as of XX/XX/2020 that asks any creditor to call me and have provided no phone number to do so, all while still allowing creditors to access my report -- resulting in a lowered credit score!!!!! This " trick '' resulted in a creditor auto-denying my credit application, although they allowed a hard pull to be completed against me resulting in my score being lowered ( DAMAGINF ME AND MY ABILITY TO OBTAIN CREDIT ). The company advised me to have it corrected with them and then I can give them another approval to have them pull my credit for a second time ( RESULTING IN AN EVEN LOWER SCORE AND LIKELY A DENIAL FROM THE PREVIOUS HARD PULL ). This " message '' on my credit does not qualify as a fraud alert, as the credit report is not frozen -- yet this message was not requested to be added to my report by me and is causing me damages. I have expressed to all of the credit bureaus not to lock or add fraud freezes to my account without my knowledge and a personal request to do so. Is that so hard to comply with?? 

I was applying for an auto loan refinance, with a XXXX credit score on XX/XX/2020 ( along with 100 % exceptional payment history with USAA ( I have car loans, auto insurance, renters insurance and credit card with USAA ). It makes absolutely no logical sense to me how my own creditor can act as though they do not know who I am or as though they are unable to verify who I am while I'm on the phone with them and as soon as my credit report was pulled I'm being notified by XXXX  of the hard pull from USAA and change to my account. This is a horrible way of sneaking high interest rates and ensuring they are being passed over to consumers in an already horrible climate for credit decisions, while many people are out of work and their credit is suffering. 

I REFUSE TO SUFFER DAMAGES BECAUSE OF UNLAWFUL, UNETHICAL, AND UNFAIR BUSINESS PRACTICES!
Product: Consumer Loan

This was a revolving account in which I paid Wells Fargo National Bank. There fore I am requesting XXXX XXXX be totally removed. As far as Wells Fargo goes, I never missed a payment, but was late on one. But paid the agreed upon contract amount. Instead of calling me as the cosignor, they called my daughter who is a college student. I thought they were offers of credit increases when she told me they called, because they had called before. When I pulled my credit report and realized the account was closed, I called them and asked, how can you close an account in which you are receiving an on time monthly payment on, and they said, it was several months where I did n't pay the full amount and they called the cosigner, XXXX XXXX. I told them I was the cosigner. And then I asked, since they knew I was an XXXX, why did n't they call me? They told me they could only call one person on the account and they chose to call her. I asked them, Where was that law? Needless to say they did n't have an answer. I informed them that all it took was a simple phone call to me to could have resolved this before they went to the extreme. I told them that I was legally entitled to receive a phone call especially before they closed the account. I informed them that I was paying the account off shortly and I did. I opened this account to assist my daughter in building credit and this is ruining her start on life. I made 13 consecutive payments and this account was closed because of negligent policies and personnel being lazy.
Product: Debt collection

I received a call about an apparent medical debt my wife owed. The person stated that he called my wife and after talking to her she was rude and hung up. ( He never spoke to my wife ) He tried to get me to pay a debt that we are not even aware of and told me i need to get a hold of her and tell her to pay it. I got off the phone with him and called my wife and she said that she doesnt know of the debt and never spoke to anyone. I told her to call them. When she did she said the guy answered and was rude to her and speaking to her as if she was a criminal. SHe got mad at him and he told her to XXXX XXXX and hung up on her. Then the ( HE ) debt collector called my place of employment to verify where i work. I answered the phone and told him to never call my place of business again. Then my wife and I both called AIH receivable to find out if this is where he was calling from ( We looked up the number he called from to find out because he never said who he was with ) and he was rude again telling us to pay our debt. We asked to immediately speak to a manager and only got a voicemail.
Product: Debt collection

XXXX  XXXX account fraudulently opened in my name, was placed with collections. Refuses to close and delete collection account.
Product: Credit card

Capital one create a credit card with my information on XX/XX/2024. This was done without my consent or knowledge. They reported that my information does not match the account and that it is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX SPACE COAST CREDIT UNION XX/XX/XXXX EXETER FINACE LLC/WCG XX/XX/XXXX TBOM/ATLS/ASPIRE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX VERVENT/TBOM XX/XX/XXXX CREDIT ACCEPTANCE XX/XX/XXXX LEASE & RENTAL XXXX XXXX XX/XX/XXXX CONSUMER PORTFOLIO SERVICES XX/XX/XXXX NOWCOM/WESTLAKE FINANCIA XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX  XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX 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 an account without my written instructions. ''
Product: Mortgage

My name is XXXX XXXX, I have an open case already against PRMG mortgage payment processing center in reference to my HAF payments not being applied to my mortgage payments on time. After contacting you they applied both payments to my account however they put one payment towards my principal account instead of crediting my account as stated by several representatives. Now my account is showing late again for the month of XXXX.
Product: Checking or savings account

I signed up for the Marcus by Goldman Sachs savings account ( promotion which is {$100.00}. I deposited the required {$10000.00} on XX/XX/XXXX. The bonus tracker on the website said that I could withdraw the funds on XX/XX/2020 ( yesterday ) which I did. I called up today to inquire about my bonus and was told that I am not eligible because I was supposed to keep the funds until the end of the day on XX/XX/2020. I informed them that the bonus tracker did not say that. It simply said " withdraw funds on XX/XX/2020 '' and you are eligible for the bonus ( which I did ). I am eligible for the bonus because the bonus tracker literally said it was ok for me to withdraw the money on XX/XX/2020 which is what I did. I noticed that the bonus tracker is not showing on my account today or I would take a screenshot of it. Please credit my account the {$100.00} as promised. This is my second time doing a bonus with Marcus by Goldman Sachs and the first time I did the bonus I did get paid for it. If I do not get paid I will not do another bonus with Marcus by Goldman Sachs and will file another complaint.
Product: Debt collection

ConServe is re-aging an old debt from over 7 years ago to have it on my credit report. Not only is the date wrong but the amount is incorrect as well. As they are not the original debtor I am not liable and since the date and the amount are incorrect I would like them to be forced to remove this from my credit report.       Last Reporte d  XX/XX/XXXX Col lection Agency CONSERVE Original Creditor   XXXX   XXXX   Status Open Opened Date XX/XX/XXXX  Clos ed Date -- Responsibility Individual Account.   Balance {$61.00}  High Balance {$6 1.00} Remarks -- This was fr om  XX/XX/XXXX  and the correct amount was {$81.00} I disputed this with the original debtor and it was written  off as a billing error
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or 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 accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX ACCT XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX {$630.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card

This account was closed on XXXX/XXXX/10 want to be removed from my credit it 's already more than 7 years.
Product: Checking or savings account

I opened a Coinbase account to learn a little about crypto currency. 2 hours later I saw a {$10000.00} charge from this company on my bank account. They have no customer service, won't talk to you, give you complete run around, and ask for silly documentation ( like selfies ). They have 100 's of XXXX complaints against them. I feel as if this company is a complete scam run by a bunch of thieves. They should be shutdown and all employee 's should be prosecuted to the full extent of the law.
Product: Credit reporting or other personal consumer reports

I can't defrost my credit report in TransUnion for one year
Product: Credit reporting or other personal consumer reports

I just now look at my report because I need to get a place for me and my family and I notice there is two collections on my file I don't know anything about them because I never used credit and from XXXX XXXX XXXX XXXX XXXX XXXX  please remove these items from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

To whom it may concern, I bought a travel bundle for me and my girlfriend from a XXXX  page on Saturday night, I paid through XXXX after the recipient told me he was having issue with his XXXX. I thought there was buyer protection with XXXX. To my surprise, the seller has taken off with my money, he is not returning my messages, and Chase tells me they cant do anything. I do not understand how in this day and age we cant have buyer protection on a banking platform. The scammer knew what he was doing when he told me to specifically send XXXX.
Product: Checking or savings account

Capital One Bank has frozen my checking and savings account with zero warning or communication.

I asked to speak to a manager after speaking with 2 representatives.

They informed me I will need to speak to the Bank OPS team which is only open M-F It was after XXXX XXXX  when they were CLOSED that they locked my account forcing me to go without access to my money. 
I have rent to pay and a child to feed and this is completely unacceptable. 
I need my accounts unfrozen asap!
Product: Credit reporting, credit repair services, or other personal consumer reports

An account with XXXX XXXX was open in my name with an identification card that doesnt belong to me using my social security number ... Ive filed a dispute with Experian and they always come back and say it has been verified ... I contacted the company which told me they have responded and they arent reporting this trade line ... Experian is refusing to delete this account from my credit file ... which was open fraudulently ... I have submitted a police report to Experian and they continue to ignore me ... I need this fix.
Product: Credit card or prepaid card

Chime closed out dispute XXXX due to the fact that XXXX already provided a refund, however I have XXXX separate purchases of XXXX  I made with XXXX. One on XX/XX/XXXX and one in XXXX. The refund XXXX gave was for the return I did on the purchase in XXXX, they have not refunded the purchase I made on XX/XX/XXXX and returned at the end of XXXX. There were supposed to be two refunded items and only got one. 

Chime is trying to say XXXX already made the refund but that was for a separate purchase. They do not answer emails or tickets I open in chat in the app
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports