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

I had a Citibank accelerate savings account. One fine day I open up my account to check my balance and discover that my account has been blocked. There was no reason stated. I call the support line and ask them about it. Kept getting moved around to different departments. I was so frustrated that I asked them to close the account and return my deposit. I also learn that while the account was blocked transfer was occurring between my external bank account to this account on a regular basis. I called my bank and stopped the transfers. The first person I spoke to from the support team said I would receive the check in 30 days. The second one said 14 days. I am yet to receive anything. Today I check my account and it said closed with a {$0.00} balance. These guys are frauds. I want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is knowingly allowing XXXX to ruin my credit in order to obtain a tax credit of XXXX percent interest, well beyond the state usury limit of Florida. In doing so, Experian is helping XXXX obtain a tax credit write off of XXXX percent interest at the expense of my credit while skirting around the state of Florida usury laws in place to prevent predatory lending.
Product: Checking or savings account

XX/XX/22 Digitally submitted my brother-in-laws death certificate to XXXX XXXX XXXX. Per his will, I am his personal representative and he left his entire estate, specifically mentioning his Wells Fargo account, to a charity. 

XX/XX/22 Called XXXX XXXX XXXXXXXX. On hold 10 minutes. After about 20 minutes, the representative told me that Wells Fargo didnt have a form for this situation and I would need to go through probate. 

XX/XX/22 After researching Idaho small estates, filled out Small Estate Affidavit from XXXX XXXX website and had notarized. 

XX/XX/22 Called XXXX XXXX XXXX. On hold 10 minutes. Representative had me email Affidavit and will. She then indicated the affidavit did not meet all of WFs criteria as it did not specify the bank account nor include an under penalty of perjury statement. She further indicated that legal still might not accept the affidavit since I was not the charity. 

I asked to have the WF affidavit form emailed to me. It did not immediately arrive but the representative thought it had probably gone to an external email queue. 

XX/XX/22 Email never arrived. Called XXXX XXXX XXXX. On hold 17 minutes. Representative told me the form had been sent via USPS, not email. 

XX/XX/22 Form has still not arrived in either format.
Product: Checking or savings account

XXXX XXXX XXXXXXXX closed my checking and savings account without my written consent to do so, and without my permission, without having written expressed consent. I did not receive any notice before, doing or after they closed my accounts. when I extended my credit to open the accounts. XXXX XXXX  XXXX have violated the truth in lending act, Regulation x, y and z. They have violated 31 cfr 357, and the gramm-leach- bliley act ( 12 usc 1811 ), 15 usc 1681, 15 usc 1681c-2, 15 usc 1681e, and 15 usc 1 15 usc 6802a 1-3, 15 usc 6802 b a-c 15 usc 6801 they have reported the closing of all of my checking and savings accounts and now they are affecting me personal, financial and has cause me harm. These accounts have been open for a few months and who gave them permission to closed them? and also they where charging fees which are against the law, and they need to be held accountable for all of the fraud and deceptive practices they are involved it. they have violated my rights, and my privacy without my written expressed consent.
Product: Checking or savings account

On XX/XX/XXXX and XXXX I tried to call the branch multiple times to ask simple questions regarding my account and the ability to change dollars to euros for a trip and if the euros needed to be ordered in advance. I tried calling multiple times over an hour and they did not answer their phones. I went to the bank and they told me that I had to order euros so they were unavailable and therefore I was unable to get the exchanged money in the timeframe I needed. I was also unable to order the euros in advance over the phone creating the need for me to go to branch two times.
Product: Mortgage

I purchased a XXXX located at XXXX XXXX XXXX XXXX in XXXX XXXX for {$990000.00} in XX/XX/XXXX and obtained a {$680000.00} mortgage from Washington Mutual Bank ( now Chase Bank - Loan # XXXX ) at the time of the acquisition of the property, Washington Mutual said that I DID NOT qualify under their guidelines but Washington Mutual would still qualify me through their subsidiary bank namely -XXXX. Payments on the mortgage were made regularly to Wasahinton Mutual ( Chase Bank ) until the economic downturn at which point, I could only keep 50 % of the units leased and consequently fell behind in in mortgage payments. Propert values dropped drastically as I commenced negotiations with Chase for a loan modification. I was in the midst of the modification process, when another branch of the bank seized the XXXX and took it over in XX/XX/XXXX. I was at the bank a month ago and inquired about getting my property back ... The clerk advised that the property was still in my name.
Product: Mortgage

I had a predatory loan with XXXX XXXX that ultimately resulted in my home foreclosing in XX/XX/XXXX. at some point they sold off the second loan to XXXX XXXX XXXXXXXX. It was my understanding my loans would be paid with money from the foreclosure. Since I had not heard anything since and nothing ever went onto my credit report I assumed this to be the case. Suddenly in XX/XX/XXXX I received a 1099C for the second mortgage. I have had the same phone number this entire time and was at the same address for over 7 years and no collection calls or letters came to me. The company listed is Real time Solutions and they claim they now own the debt and claim they were able to write it off because there was a balloon payment due in XXXX which is not the case and means someone altered the loan documents without my permission. Regardless it is unethical to never contact me or bill me or gave me an option to pay and then reported it to the IRS via a 1099C which requires me to report it as income which will cost me a lot of money. I asked real time solutions to fix this and retract the 1099C and they ignored me.
Product: Credit card

After recently refinancing with Wells Fargo for our mortgage, my wife and I were issued credit cards that we did not authorize or were ever made knowledgeable of. The only reason we discovered this was when the cards were mailed to us.
Product: Credit card or prepaid card

On XX/XX/XXXX this month Wells Fargo assumed credit from XXXXXXXX XXXX XXXX  holding with XXXX XXXX. 

On XX/XX/XXXX I noticed a fraudulent charge on my account that was supposedly done on XX/XX/2023. I notified Wells Fargo and they said the entry was not a normal entry with no address or phone number of the Hotel charging my account. They also noted that the entry could not be disputed because their computer would not allow them to make that choice. They said that day the charge would be resolved within a few days. 18 days later they are still saying I need to make a fraud claim that they say their computers wont allow ... .lol So I cancelled my account but they have yet and dont seem interested in deleting the charge. I need help. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I will be disputing these accounts with screen shots of contradicting information. along XXXX credit bureau. Although it is not illegal for XXXX  XXXX to report rolling charge offs they are required to be 100 % accurate, WHICH THEY ARE NOT. I also never received a 1099c to explain the charge off income on my tax return. These violations have severely damaged my life as it is impossible for me to take advantage of opportunities that come to those with good credit. I went thru a horrid time when I was forced to retire due to XXXX and XXXX XXXX not only sued me but are reporting these XXXX accounts every month as new charge offs. This to a XXXX veteran on a fixed income on XXXX accounts that I was never late paying for years. Section 1681i requires accurate reporting. section 1681s-2 imposes duties on data furnishers to ensure accuracy. Both of these codes in the FCRA are being violated. 

XXXX  XXXX ; no account number reported, balance {$8300.00}, XXXX and Transunion XXXX XXXX ; no account number reported, balance {$3400.00}, Transunion
Product: Mortgage

I had to file a previous complaint to get Freedom Mortgage to address a previous payment issue. When addressing that issue they created another issue. They now say I owe a late fee of {$27.00}. If anyone is owed a late fee it is me. They refused to apply a payment made for at least 4 months. I have no idea why they now say I owe a late fee. I have called several times and no one understands what is going on. They say the manager will call back, but they never do.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue to report inaccurate information on account the account listed as XXXX XXXX Acct # XXXX. There are several inconsistencies which means this account information has not been verified and is causing me harm. 

Account # : XXXX XXXX XXXX Account Status : Closed Paid Paid Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX XX/XX/XXXX - 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit card or prepaid card

Vendor charged me, on my credit card, for services I did not receive. Contrary to the Fair Credit Billing Act, Chase Visa Cardservices refused to accept my complaint about a billing dispute. This refusal is contrary to the terms of the act, which require the credit card company to carry out an impartial and thorough investigation during the proscribed time period. All calls are recorded ; this complaint is easily verifiable
Product: Credit card or prepaid card

I signed up for the American Express Business card in XX/XX/XXXX, but within a month I requested to close the account because business was not good. I called American Express to cancel my card and they had me connect to a manager to try to hold my account to stay open so they waived my membership fee and asked me to try the card and if I don't have any use of it, I may cancel the card. I agreed and used the card for sometime but then When I called to cancel my card in XX/XX/XXXX, my balance was XXXX  and had my card cancelled. No communication was made regarding any pending charges, then two weeks later I was charged a membership fee on my cancelled card. American Express also cancelled my personal credit with all accrued miles, points and benefits. 

Account Ending XXXX XXXX XXXX XXXX Credit Card XXXX
Product: Debt collection

They keep on calling me about a debt, that is past the statue of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # xxxxxxxxxxxx XXXX, XXXX Bank Account XXXX XXXX XXXX, XXXX XXXX  Account XXXX xxxxxxxxxx XXXX, XXXX XXXX  Account # XXXX XXXX, have 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: Credit card or prepaid card

I paid a a loan and two credit card payments on line with USAA. The next day XX/XX/XXXX I went online and saw where the payment for loan had posted but credit card payments had not. So I paid card payments again which resulted in an over-payment of {$4900.00}. I immediately started to try to get my money back. I have documentation where I requested the account be closed and my money refunded on XX/XX/XXXX I requested the money be refunded onXX/XX/XXXX via chat. I still havent received my money matter of fact they claim check was mailed but returned. I have been approved for a mortgage and need the money for closing costs so I am in a bit of a crunch and exceptionally irate. I had to pay them 15 to 25 % to use their money and they have kept mine a month and I have even paid to have it sent express 9 days ago.
Product: Checking or savings account

When I opened my account with Truist bank, I tried to first do it online. It gave me a screen that the request could not go through and to come to a bank branch to open an account. I went to the bank in person and was helped to open an account. I was first attracted to open the account due to an advertised banking bonus offer of {$400.00} after making a total of {$1000.00} in direct deposits within 90 days of account opening. After opening an account, I received notification that I don't meet the requirements. I spoke to the bank manager XXXX XXXX who informed me that the terms are different from opening account online vice completing the account opening in person. That was not clearly identified to me at the time of account opening. I met the terms of the bonus offer- including the opening deposit and direct deposits, but it was never deposited. I called their customer service line to get an update on the request to revert back to the original online terms that XXXX XXXX submitted on my behalf. The agent on the phone said its still pending and gave me no information on why eligibility review was pending. I called customer service once and stopped by the branch in person kept getting a different response on why my bonus offer is pending. I am concerned about the deception with opening the account online and changing the terms after completing the account opening in person at the branch with the not granting the bonus offer for opening the account. Unrelated but I also have a separate complaint regarding this account because they have frozen/locked it after I deposited a check from my mortgage company.
Product: Debt collection

On XX/XX/2024 my XXXX XXXX app accused a collection on the amount of {$2400.00} from a debt collector named AMSHER COLLECTION SERVICES and the creditor being XXXX XXXX XXXX XXXX I have contacted XXXX  's Fraud protection team and filed a Mobile fraud claim over the phone. Days later I received a Letter on the mail acknowledging my identity theft complain and noted the account has been deemed fraudulent and the balance is no longer attributed to me. And that they would request the collection agency to cease collection efforts and notify the credit bureaus. ( This letter is Attached ) Today is XX/XX/2024 and I have received a Letter from Amsher requesting a list of documents including an official police report, a notorized and signed affidavit plus a lot of other time consuming tasks. 

I have gone through all this hassle last year with another identity fraud case, my credit was and has been frozen for over 12 months, but this seems to be a never ending battle. And I simply can't afford to stop my days to collect all this paperwork. 

Please have these company effectively remove this collection from my credit report. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tired to resolve the issue by writing the company about a Unfamiliar inquiry from XXXX and XXXX XXXX XXXX XXXX, and also never XXXX XXXX XXXX that I had seen on my credit report when I request a free annual report an notice it but the company didnt respond to me like I requested them to delete it off my credit report and 30 days but didnt so I hire XXXX XXXX to help me out with the issue Im referring to my XXXX XXXX file # XXXX
Product: Credit card

On XXXX XXXX, I submitted an application for a new business credit card with Chase and received an email that included the following : " We 'll let you know of our decision through U.S. mail within the next 30 days. Please do n't resubmit this application while waiting for our decision. '' On XXXX XXXX, I finally called the customer service center and was informed that the application was denied. No explanation was provided and I have yet to receive any communication from the company. This is unacceptable for a small business start up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Resurgent Capital Services L.P. asserts to be the servicer for LVNV Funding LLC reporting a Collection on my credit reports for an account alleged to have originated with XXXX XXXX Bank, XXXX. 

To be clear XXXX XXXX Bank, XXXX. is not my original creditor and was never my original creditor. There is no contractual relationship in writing containing my signature for any such account that was opened with XXXX XXXX Bank, XXXX. to extend credit to me. My credit reports don't show any account that was opened by XXXX XXXX Bank, XXXX. that is Charged Off, Open, Closed, Past Due, Default, Late, or expressly any data showing a creditor relationship between myself and XXXX XXXX Bank, NA. 

Resurgent Capital Services L.P. is incorrectly confirming that an Account was charged off on XX/XX/XXXX, with a balance of {$1800.00} owed to XXXX XXXX Bank, XXXX. that is owed by me. No such evidence exists on my credit reports and not showing in my credit file. This information does not appear on my credit reports that a Charge Off balance is owed by me to XXXX XXXX Bank, XXXX. with a balance of {$1800.00}, and for any such last payment in the amount of {$90.00} was received on XX/XX/XXXX. 

Instead, Resurgent Capital Services L.P. and LVNV Funding LLC are improperly reporting a Collection account on my credit report for a balance owed to XXXX XXXX Bank, XXXX. While no Charge Off is reported by XXXX XXXX Bank, XXXX. for any such balance that is owed by me. 

Resurgent Capital Services L.P. as a servicer is falsely reporting a balance owed by me to XXXX XXXX Bank, XXXX. without validation nor a contractual agreement containing my signature. Further, XXXX XXXX Bank, XXXX. isn't reporting any such Charge Off on my credit reports that Resurgent Capital Services L.P. is claiming that is owed by me.

Causing extreme harm and damage to my credit reports. Resurgent Capital Services L.P. remains in direct violation of the Fair Debt Collections Practice Act and carrying out unfair and unconscionable means to collect and attempt to collect a debt unlawful.
Product: Credit reporting or other personal consumer reports

I received a copy of my Equifax credit profile and I had items on my credit report, consumer profile that didn't belong to me
Product: Bank account or service

I found this article about Regions charging improperly on over drafts by shear chance, and luck. For years now Regions, since they " gobbled up '' smaller banks like my own " XXXX '', and I became a Regions customer, it has been quite obvious a " new '' set of rules for how the customers are treated was put into place. It is no wonder they have grown so large with the continual praying on middle class, and lower income folks like myself with outrageous, and unjustifiable fees. The worst thing I know of all is regularly manipulating the on line banking entries of debits, and credits. Debits will be held, purposely not showing them, not even showing them in the pending status for days, as they watch your balance dropping down, the bank knowing, and hoping you overdraft just before a payday. Then, at the over draft point, they will re-arrange the order of the entries to appear that you not only over drafted a few dollars on the '' real '' last charge '' debit ' you made. The new entry arrangement on this newest date of over draft now will show ( in the banks favor of course ) that you over drafted with one of the larger debit entries several days earlier. And now the day before your pay day auto deposit, they hit you with many tiny debit entries ( a few dollars each ) each with o.d. fee each of {$36.00} totaling {$100.00}, {$200.00}, or more. Now the facts after many years watching this closely are this : You have to watch the bank record on- line closely every single day to catch this. They make mistakes - dailey in the nightly work they do balncing your account. The adding subtracting errors they make can throw you own calculations you are trying to keep up with off, and in error. They continually fix errors they show on previous days balancing on next day or so - further throwing you off in error. Fact is, they have been scamming millions of dollars off people like me, and other people that do n't watch it as close as I do. I hope you bust them for all the rong doing. - to me, and manner others.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly tried to dispute these accounts and when asked the credit reporting agencies to produce the Method Of Verification to support their findings, I never recieved any sort of physical documentation from either the credit reporting agencies inwhom is reporting these unauthorized accounts, nor the creditors themselves. I'm now demanding that these accounts be deleted immediately. ( 1 ) XXXX XXXX {$0.00}, ( 2 ) XXXX XXXX XXXX {$760.00}, {$510.00}, {$53.00}, ( 3 ) XXXX XXXX XXXX XXXX {$760.00}, {$53.00}, please remove these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( XXXX ) days past due on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a transaction history on this account and it clearly shows that I have never missed a payment. More importantly, this transaction history shows that monthly payments were made PRIOR to the late fees being assessed. There is a consistent pattern of late fees being charged AFTER a payment was made! This false reporting of lates is seriously harming my credit score and these lates need to be removed from my credit report. I have contacted the bank and the ( 3 ) bureaus to remove these lates however, I have not been successful.