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

On XX/XX/year> at about XXXXXXXX XXXX I was at a public park drinking with some locals I had just met in XXXX, XXXX. One of the men must have slipped something in my drink ( very common there ), because I went XXXX. I woke up at about XXXX XXXX. in the same park and returned to my hotel. 

The following morning, at about XXXXXXXX XXXX. I woke up. I felt my pockets to make sure that last night was not a dream, but my phone and wallet were missing. At about XXXX XXXX. I went down to the reception. At about XXXX XXXX. the receptionist got me a phone to let me call Chase bank. 

From XXXX XXXX. to XXXX XXXX. I was attempting to get the telerobot to connect me with an agent, but it just kept responding, " Please enter your credit card number, debit card number or account number to speak with an agent ''. I kept telling the robot that I don't have any of that information, and that i need to be connected with someone immediately. The telerobot never did that for me. 

At about XXXX XXXX., right as the banks opened, the thieves were able to send electronic transfers to themselves using my phone that they stole, and they successfully picked up XXXX XXXX of my funds ( {$5300.00} ) within just XXXXXXXX XXXX. Strange that Chase allowed this, as the highest amount I had previously withdrawn in one day was {$1500.00}, or XXXX XXXX of my funds. 
What's more, is that these transactions were not targeted to users that I had interacted with before. The highest amount that I had sent to a new recipient was just {$100.00}. 

At about XXXXXXXX XXXX. I went to the police station to file a report since I had the name of the person who picked the money up from emails that XXXX was sending me, notifying that money was ready to be picked up and who the receiver was. 

In sum, I believe that Chase bank owes me {$1300.00} according to the Electronic Fund Transfer Act, since I reported the incident immediately. What's more, Chase failed to protect my finances and failed to provide me access to my finances. This is a huge issue. I entrust them with my money, and all they can do when I call them is connect me to a robot that just repeatedly asks me my debit/credit card number? The robot never even says, " If this is an emergency press XXXX ' ".
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX and XXXX account # XXXX and XXXX account # XXXX has violated my rights as a consumer. 

15 U.S.C 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 602A Section 2 states a consumer reporting agency can not furnish an account without my WRITTEN INSTRUCTIONS Under 15 U.S Code 1681b Permissible purpose of consumer report. I never gave you any written consent to report anything on my consumer report. 


As a consumer by LAW, these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my state and city. Also I have already involved and sent this letter to the Consumer Financial Protection Bureau, Attorneys General Office, XXXX XXXX XXXX, and The Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having so many issues in regards to my identity being stolen. I spoke with experian, XXXX, and XXXX and sent them all the documents required, and i have yet to hear anything back from them. Nothing has been removed or fixed and my personal life and credit score have been hit extremely hard.
Product: Mortgage

My complaint is with : Select Portfolio Servicing XXXX Inc. ( aka SPS ). I have attempted, over the last 4 years, to get a " Loan Modification '' with this servicing company. I first started this process with XXXX Bank on XXXX XXXX. It was as though, once I had been approved for a loan modification, the loan got sold off to a different investor and I had to start the process all over again! I am 4 years behind in this mortgage. This property is in XXXX XXXX and is " Under Water ''. There have been XXXX written apprasals on this property over the past 2 years, ordered by SPS. The range has been between {$75000.00} and {$92000.00}. I asked for a principle loan reduction. I was lead to believe that they would consider it once I made XXXX payments of {$930.00}. I made these XXXX payments on time from XXXX XXXX thru XXXX XXXX. The loan modification was approved with no principle reduction and all of the accruded principle, interest and fees were wrapped up in the new loan with a modist reduction in the interest rate and monthly payment. This home is not my primary residence. It is a rental property. SPS has a program for rental properties. Due to the extended amount of time and personal expense that I have gone through over the last 4 years, I am in need of that principle reduction. I feel as though I have been wronged and manipulated by this servicer. Please see what you can do to help me with this situation. Thank-you.
Product: Checking or savings account

Being charged overdraft fees when even after veing signed up for overdraft protection. I can not find the bank statements with exact dates.
Product: Mortgage

FCI is the servicer XXXX in the investor owner, was in a BK-XXXX my attorney XXXX it up, ( will complain to the state bar ) have asked FCI of payment history and ORIGINAL LOAN FILE PER RESPA am entitled to look at will go to FCI XXXX at FCI says call XXXX XXXX is the investor have been talking to, he says call XXXX at FCI?!?!?!? both pass the buck, finally my cousin received the payments history and BK PAYMENTS WERE NOT POSTED CORRECTLY PER FEDERAL BK LAW enclosed is history!!!!! Since XXXX and XXXX and XXXX at FCI dont want to comply submitting this first before paperwork being filed! WANT TO SEE ORGINAL LOAN FILE PER RESPA, have denied my modification, am dealing with a XXXX father, so my cousin is helping, but BK XXXX PAYMENTS WERE NOT POSTED CORRECTLY, and have asked why so many fees have paid other companys that had loan XXXX and were to drop balance but was sold! neither company can do right thing! WANT TO SEE ORIGINAL LOAN FILE! ( am in process of bringing current or will file PR-SE ON MY OWN!
Product: Credit card or prepaid card

I have two unauthorized purchase on my Citibank Credit Card at XXXX XXXX. When I contacted Citibank I was transferred to their fraud department and I was told that since I do business with Home depot using my XXXXXXXX XXXX card, I made the purchases and I have to pay for them or I am to take the items back to XXXX XXXX for a refund. I told them I did not made the purchases and I have no items to take back, so how are they telling me that I must go and get a refund. I was told to pay a {$35.00} min payment on XX/XX/21 so that I would not have to pay a late fee and the and {$35.00} min payment will be credited back to my account and the fraud transactions will be credited back to my account. That did not happen. I called again on XX/XX/21 and spoke to XXXX, XXXX and XXXX who told me that the case is closed and I have to pay for the items. I am the only person that have access to my card. The cancelled card is still in my possession and I was sent a new card. If the transaction were mine, why would Citibank send me a new card? After several attempts and no resolution, I told them that I will not be paying any more money on this account because I did not made those purchases and I am a victim of fraud, and I am going to dispute the transaction when they send my account to the credit bureau for nonpayment and provide my evidence that I was at work when the in store transactions took place. I go to lunch from XXXXXXXX XXXX., I have to log in and out, and the transaction was made at XXXX per email message received. All calls are recorded and I am requesting that those calls be looked into. I am also attached a letter from my office manager to verify that I was at work along with a copy of the email.
Product: Credit reporting or other personal consumer reports

EXETER FINANCE LLC IS REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT. XXXX FURTHER MORE YOU ARE REPORTING THE ACCOUNT AS CHARGED -OFF. THE IRS STATES ANY DEBT OVER {$600.00} THE CONSUMER MUST BE GIVEN A 1099-C WHICH I HAVE NOT RECEIVED MY 1099-C. FURTHERMORE IF THE DEBT WAS CHARGED OFF IT IS DEEMED AS INCOME. INCOME CAN NOT BE REPORTED ON A CONSUMERS REPORT. 

FURTHERMORE, THE ACCOUNT IS REPORTING A PLETHORA OF INACCURATE INFORMATION WHICH IS NOT IN METRO 2 COMPLIANCE AND DEVIATES FROM THE STANDARD OF METRO 2 COMPLIANCE, AND THERFORE MUST BE REMOVED FROM MY CONSUMER REPORT. 

IF YOU REFUSE TO REMOVE THE ACCOUNT WHICH IS DISPLAYING INACCURATE INFORMATION, REFUSE TO PROVIDE ME WITH MY 1099-C I WILL ESCALATE THIS MATTER FURTHER. THIS IS YOUR ONLY OPPORTUNITY TO REMOVE THIS ACCOUNT IMMEDIATELY.
Product: Credit reporting

By XXXX 2016 I restructured $ XXXX of personal debt to gain control over {$1700.00} of my income per month. In doing so I consolidated over XXXX debt instruments including credit cards and personal loans. I reduced the number of personal loans from XXXX to XXXX. I erased all of my credit card debt. After doing so I had some of the lenders outright lie about reporting to the credit reporting agencies after being asked repeatedly, some told me 90+ days to get it done, others reported to the credit agencies debts that were no longer valid despite providing pay off letters. As of today XX/XX/2016 I note on my Equifax credit report after XXXX rounds of disputes and almost failing to refinance my debt because of failures in the Equifax ID proofing services, that despite finally reading a {$0.00} balance on all my credit cards they still say I have a monthly minimum payment of {$220.00}. This is obviously in error. It is true that yesterday XX/XX/2016 I finally put {$400.00} on my credit card but that is not currently reporting and this $ XXXX monthly payment is invalid. It clearly is being factored into my FICO scoring as well. I 've tried to call them but there 's no process provided to dispute their own calculations. Not that the dispute process works anyway seeing that I 've had to sequentially dispute my report 3 times to get the balance to where it actually is anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Report states : " You Have 5 New Late Payments. Your report shows 5 new late payments in the last 60 days. If any look unfamiliar, it could be a bank mistake or a sign of fraud, and you can dispute it. '' 1. XXXX XXXX XXXX XXXX Past Due Amount : {$22000.00} 2. XXXX XXXX XXXX  Past Due Amount : {$5100.00} 3. XXXX XXXX XXXX  Past Due Amount : {$4200.00} 4. XXXX XXXX XXXX  Past Due Amount : {$3400.00} 5. XXXX XXXX XXXX  Past Due Amount : {$2700.00} None of these accounts is past due as there is no monthly payment due to the creditor. Each of the listed accounts is disputed as fraudulent, and the creditor wrote each of these accounts off and issued Form 1099. The creditor has abandoned their claim and is not attempting to collect or prosecute a claim hold. I have provided the creditors my address and contact information should they wish to contact me, to no avail. It is improper for Experian to place a false statement on my credit report, to wit : " You Have 5 New Late Payments. Your report shows 5 new late payments in the last 60 days, '' when that is not the factual case.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 
XXXX : XXXX XXXX : XX/XX/XXXX TransUnion : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX RE : Unauthorized Inquiries I am sending this letter to dispute the following XXXX inquiries that are unauthorized. Please remove them from my TransUnion credit report as soon as possible and confirm receipt of this letter. I have never given my permission to report this information on my report. No consent is fraud, which is in clear violation of 12 CFR 1006,34 ( d ) and 15 USC 1681-S29 ( 7 ) ( A ). 

XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

I have bee a banking customer with Bank of America for XXXX years and during the course of those years there have been issues that I have disputed about overdraft fees and/or unauthorized transactions. In the more recent years their see became better and most issues were handled quickly or resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting

Equifax mailed me a correction notice regarding my original complaint. This notice shows that they corrected a portion of my mortgage account, however, they are still showing me as 'late pay ' for XXXX, XXXX, XXXX, XXXX ; which is incorrect. The document I provided in my original complaint listed all my payments for those months and did not list them as late pay. 
Please see the attached documents, which support my payments for those months as current and paid 'before ' they were due. 
These companies are purposely reporting my credit/scores incorrectly due to the financial struggles I had after the market crashed in XXXX. 
They are in violation of the Fair Credit Act. 
I have desperately tried to rebuild my credit, yet I have to continue to fight with these companies to report correctly. This is not right.
Product: Money transfer, virtual currency, or money service

Scammers got my XXXX from crypto currency..but they dont help me now to get back ..plzz help me ..Im in trouble..got anxiety panics attacks..plz help me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX XXXX : {$440.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Bank account or service

I recently re-opened a checking account with BB & T to go with the savings account I had with the bank. When I opened the account, I linked my savings account to the checking account for overdraft protection. I deposited the funds and used my debit card as normal. A few weeks ago I need to make a purchase with limited funds in the checking account. Mobile banking and online banking would not allow me to transfer funds from savings to checking to cover the transaction. 

A few days later, after all of my pending transactions posted, BB & T charged me several overdraft fees though I had overdraft protection. There was no real explanation given. I was charged nearly {$370.00} in overdraft fees though I had the funds in savings to cover all transactions and had overdraft protection. 

When I spoke with bank associates, I was told that they can only credit one fee ( which they did and later reversed ) and that my checking account was dormant though I had made deposits and withdrawals from the account at a branch. 

I understand paying for overdrafts if the bank pays for something for a person ; but if the person has the funds in a linked account and opts into overdraft protection, the person should not be charge such insane fees.
Product: Credit card or prepaid card

We notified Best Buy / Citbank credit card in XX/XX/XXXX about some re-occurring charges on our card from XXXX for {$29.00} per month dating back to XXXX. A total of 18 charges for a grand total of {$530.00} not including interest and fess paid over this time.. We opened a Fraud Claim. We heard back from Ciitbank on XX/XX/XXXX that the information reviewed does not sustantiate a claim on of unauthorized use. We NEVER signed up for any services with XXXX other than having a free profile with our Employers to share content about our companies. My husband and I do not have any credit card information linked in our profiles. Nor have we used any of their paid for services. We are not sure how our credit card information was picked up. Our Citibank card is/ was used for the purchase of refrigerator and two re-occurring charges for XXXX and XXXX XXXX. We have auto statements and auto payments with this account. We tipped us off was at the end of XXXX beginning of XXXX my husband received an email from XXXX about adding a new credit card to our account. thinking it was spam it still prompted us to look into this seperately and then review our accounts. We then notified Citibank of the fraudulent charges. My husband and I are both essential workers and have been traveling with work throughout the pandemic. The response from Citibank is disturbing... These are fradulent charges and we did not sign-up for any services with XXXX. We can show our profiles to prove we do not have credit cards linked to our profiles. We tried to also resolve this with XXXX and have received no reponse. XXXX has 493 compliants about this scam from XXXX.
Product: Debt collection

Southwest Credit System is reporting a debt that is in collections. I have reached out to this company numerous times, but the number listed is not in service. I am not aware of this debt or where it originated from.
Product: Mortgage

The mortgage companies are running me ragged in a circle by saying the next company will received the transferred funds, but it has never met its final destination. I started off with Calcon Mutual Mortgage Dba OneTrust Home Loans ( XX/XX/2020 ) who sold it to XXXX/XXXX XXXX XXXX who sold it to XXXX XXXX ( XX/XX/2020 ). The final mortgage company who had recieved it had not recieved funds from either mortgage company. It felt like the two previous companies don't intend to transfer the funds at all as they keep saying it will get handled, but it never is. I have made two mortgage payments to OneTrust Home Loans of {$1500.00} on XX/XX/XXXX ( recieved via check # XXXX for XXXX ) and on XX/XX/XXXX ( via ACH payment for XXXX ) which was allegedly forwarded to XXXX XXXX XXXX  since they said bought my loan in XXXX. After a bunch of poking and prodding they said that the first payment needed to have the principal of {$490.00} needed to be subtracted. Which would mean a transfer of {$1000.00} ( after doing the math myself ) needs to be transferred from OneTrust Home Loans ( and possibly XXXX XXXX XXXX if they are also adamant on keeping some part of the received funds ). So apparently they indirectly implied that it was my job rather than their accountant 's job to tell them to subtract the principal and and how much of the remaining funds that need to be sent, which tells me that they weren't planning to send the funds to XXXX XXXX at all unless I kept asking.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

AMEX XXXX
Product: Credit card or prepaid card

I went to the atm machine at citizens bank at XXXX XXXX XXXX, XXXX, pa XXXX to get money from my XXXX XXXX XXXX credit card. I did this on XX/XX/XXXX at XXXX and the machine said " action selected is not available at this time. please retry '' so at XXXX I retried to get the money and the atm said " amount entered exceeds the available balance. Please try lesser amount ''. at XXXX on XX/XX/XXXX I called XXXX XXXX XXXX and I was told that the {$23.00} I asked for was issued to citizens bank the first time and they were unable issue another {$23.00} a second time. so on XX/XX/XXXX I saw the bank manager ( XXXX XXXX ) about the atm did not give me my {$20.00} and did claim {$23.00} on my credit card. he said it was not his problem because he is not in charge of the atm. he said I was going to have to try to get it back myself. so on XX/XX/XXXX I called citizens bank and talked to a XXXX XXXX and she said there was nothing she could do. I talked to XXXX XXXX XXXX on XX/XX/XXXX and filed a complaint and they thought citizens would not ask for the money. on XX/XX/XXXX I wrote a complaint letter to XXXX XXXX XXXX , ceo of citizens bank usa in XXXX, ri XXXX and have not heard anything from the bank. XX/XX/XXXX XXXX XXXX XXXX called me and told me that citizens bank demanded the money. XXXX XXXX called citizens to try to get the money back. they talked to XXXX XXXX and she took down a formal complaint from me and XXXX XXXX XXXX on XX/XX/XXXX. so far I have not heard from the citizens bank about my {$23.00}. I tried talking to someone on XX/XX/XXXX and after making 3 phone calls to citizens and being bounced around 6 times I decided to write to you. 

I feel they stole my money because they were told before they took the money that I never got it in the first place. they put it in their accounts and not mine despite me trying to get it from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX shows late payments on an old, closed, fully-paid-off mortgage. These were deferred payments offered by them during Covid. As I understand it, there should have been a code identifying this as Covid-related so that my credit report/score would not be adversely affected. I believe my score has been negatively affected by these " late '' payments on my history. 

I have raised a dispute, twice this month, with Experian, but other than different months marked late or different final payoff amount, I don't see any change in my creditworthiness. I am still considered being a late payer with them.
Product: Vehicle loan or lease

I refinanced my vehicle with a different bank in XX/XX/2021. The new bank sent a payoff w/2checks ( bc I had to pay a difference ) in the same envelope, but only 1 of the checks was applied -- the larger check. Kia started calling & harassing me so I got the new bank on the phone and they sent ANOTHER cashiers check with the difference but it was not applied by Kia either. I called kia several times with the banker from the new bank on the phone. We provided tracking # and the name of the signer and verified their overnight address each time ; everything was correct but they couldn't find/apply the payment. As a result, I continue to encounter late fees, & Kia is destroying my credit. Each time a Kia rep told me they were looking into it and will fix it but they won't complete my payoff. Finally, someone at Kia said they would correct the issue and stop calling me but then I received a letter by mail stating the same thing : they were trying to collect a debt from me but I have sent them a cashiers check twice to their overnight payment address and it was signed as received. The new bank still hasn't received the title either because Kia won't apply the payment & claim they can't find it even though XXXX has signed for it twice.