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

My wife and I both had savings accounts with Citi Bank for the past year or so. Every time we had a question our call was routed to The XXXX, XXXX, XXXX or who knows where. After getting fed up with the customer service related to attempting to do on line transfers from my Citi Bank to another bank ( 4 times attempted over a 30 day period with multiple calls resulting in verbal and written correspondence to me assuring me the issue was fixed ... ... the transfer continued to fail. ) That was the straw that broke the camel 's back with us. ( 2 ) weeks ago we both called into Citi and requested our accounts be closed. We were assured that they were closed and my wife received her $ check via UPS ( 4 ) days ago but I am yet to receive mine. I called again ( 2 ) more times and some rep by the name of XXXX told me yesterday morning that she would immediately get me a UPS tracking number and call me back. Another lie!! No call returned. I have $ $ that needs to be refunded to me immediately. I retired from over ( XXXX ) yrs. of a banking and financial services related career and this is the absolute worst I've ever seen! Please help me.
Product: Debt collection

I checked my XXXX credit report and noticed an inaccurate and Unverified collection account from RASH AND CURTIS on my XXXX credit report. This account has previously been removed by XXXX and XXXX. in accordance with XXXX XXXX XXXX XXXX XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY This account violates these laws : 15 USC 1681i, 15 USC 1681s2 15 USC 1681i5 I demand that this inaccurate collection account be Deleted immediately in accordance with FDCPA and FCRA
Product: Credit reporting or other personal consumer reports

I am contacting you regarding a series of inquiries on my account that I do not recognize. These unexpected inquiries have prompted concerns about unauthorized access and I require your immediate assistance to investigate and resolve this matter.

Specifically, the inquiries were recorded on the following dates and by the following companies : XXXX XXXX  on XX/XX/XXXX Navy FCU on XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX I did not initiate any transactions, account applications, or credit checks that would justify these inquiries. Since noticing these on my account statements, I have reviewed all my recent financial activities and found no correlation with these inquiries. 

To address this issue, I have ensured all my security settings are up to date and monitored my account for any additional unusual activity. As of now, there has been no resolution or explanation provided, and I am concerned about the security of my financial information. 

Please note, I have omitted personal details from this communication for security reasons. However, I am prepared to supply any necessary information upon request, through a secure channel, to help identify my account and facilitate a swift resolution to this issue. 

I expect a prompt investigation into these inquiries, a detailed explanation regarding their origin, and the assurance of the safety of my financial information. Furthermore, I would like to know the measures that will be taken to prevent similar occurrences in the future. 

Your prompt attention to this matter is highly appreciated.
Product: Credit reporting or other personal consumer reports

I filed against them for inaccurate reporting and a several XXXX XXXX accounts that were NOT mine. They have proven they are posting inaccurate information ( see attached ) with balances reporting in all old accounts that were discharged in a XX/XX/XXXX Bankruptcy. 

Also they only removed ONE XX/XX/XXXXXXXX account instead of all like XXXX has- There is a XXXX account not mine they have on my credit claiming that its been verified with NO proof, documents nor how they found this to be verified. See attached .They have an address XXXX XXXXXX/XX/XXXX XXXX MD XXXX I requested to have moved its not my address. They continue to report and not fix the issues and inaccurate information.
Product: Debt collection

I spoke with XXXX XXXX XXXX XXXX on XX/XX/XXXX about derogatory marks that were made on my credit with all three Credit Bureaus. The employee I spoke with Employee Number is XXXX. I explained that I had NOT receive any notice about my account being due for quite some time. I moved to XXXX GA six months ago and since that time I have not received any calls or communication from them.

I originally opened this account on XX/XX/XXXX. The original balance was {$3300.00}. The current amount that is due is {$540.00}. I asked Employee XXXX  why I had not been notified either through mail or e-mail about my current amount due. I was informed that XXXX XXXX XXXX XXXX  does NOT mail any statements to consumers. It communicates via email. I asked what e-mail address was on file, and Employee XXXX confirmed that the email address on file was INCORRECT. It appears there was a keying error by Conn 's.

The account has been reported as more than 130 days delinquent. As a result I was turned down for credit due to these deragoratory remarks.

I want the derogatory remarks REMOVED IMMEDIATELY. I was told that the only department that handles these requests is known as the " Offline Department '' and they do NOT take calls or communicate directly with consumers. I don't believe this is a fair trade practice and possibly deceptive. I don't recall being informed that decisions are made about my credit file by a department known as " Offline '' who will not take direct calls.

Employee XXXX  initially told me that she would forward my request in her own comments to this Department. I asked for a summary of those comments and she said that she had not written them yet. I explained that I can wait until she finishes because I'd like to understand what is being stated on my behalf. She asked me to hold on. About a minute later, Employee XXXX  relayed that her Team Leader instructed her to provide me with a Fax Number to the " Offline Department '' to submit my request. The fax number I was given is XXXX XXXX XXXX XXXX. I asked if there was an email address and the response was, no.

I have NO idea as to how long this can take. But my credit reports remain damaged and I do not feel that my consumer rights have been preserved by XXXX XXXX XXXX XXXX. 
Please help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXX XXXX XXXX XXXX I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I rented an old XXXX XXXX from Allied Rent a Car and returned it with a damage on the windshield about the size of a dime. The car rental then charged me {$450.00}. I agreed to pay the damage through my credit card that I used to rent the car. The credit card policy states that rented car damage ( s ) is covered when I use the credit card for car rent payment. So it's up to the credit card to approve the claim by Allied Rent a Car. But Allied Rent a Car and its collector Allied Collection Svcs asked me to pay for the claimed damage. As in an accident, parties exchange insurance information by which damage will be claimed and processed by insurance companies. Allied Rent a Car did not follow the calim procedure and proceeded the collection through its Allied Collection Svcs that the original amount {$450.00} was then increased to {$1600.00}. They then sent the collection to report agencies to damage my credit. I disputed the report 's inaccuracy and malice which XXXX removed it for about a year but then reports the negative collection again. I recently called XXXX to remove it mentioning that it was removed before and by Code of Civil Procedure 337, the report violated state of limitation. CCP 337 sets the limitation of collection report to 4 years with the clock starting to tick as soon as " you '' miss a payment. As in the email, the amount was tranferred to collection on XX/XX/XXXX and reported XX/XX/XXXX. So by the 4-year limitation the collection and its negative report should be stopped on XX/XX/XXXX or XX/XX/XXXX. But XXXX report shows that it stays until XX/XX/XXXX. That is unlawful act by CCP 337.
Product: Credit card

I started paying a loan to XXXX back in XXXX. This was for a credit card that started out at XXXX XXXX I agreed to XXXX at there balance of XXXX. So I paid XXXX $ a month and now its XXXX and I owe now XXXX. I paid towards this XXXXand out of that XXXX they took XXXX out of the XXXX. How can this ever be paid off if I 'm owing more than I started at? I just received my information on my balance as I 'm getting concerned seeing that this is never going down. Id appreciate you looking into this. Ive attached my statements.
Product: Checking or savings account

on XX/XX/2022 I received a charge of {$15.00} form a balance of {$20.00} leaving {$4.00} available in the account. I was charged {$36.00} overdraft fee at this time when there were no other transactions. On XX/XX/2022 I deposited {$20.00} to cover a pending {$5.00} charge, I was charged another {$36.00} overdraft fee. It is Representative XXXX in the XXXX spoke to supervisor XXXX in the XXXX who told me that the pending amount received the overdraft fee. This is against bank policies as well as Law. There was also no mention of the {$20.00} deposited I made. The Bank refused to refund me even though they recognized the error on their part. This is not the first time this has happened and I feel that someone needs to stop the banks from doing this to hard working people.
Product: Credit card or prepaid card

On XX/XX/20 I received a Comenity credit card. It was stated that this was a replacement for a Wayfair store card I previously held. However upon calling Wayfair they said they no longer do business with Comenity. So it seems that Comenity sent me a MasterCard to replace a Wayfair store card. When I activated the card I thought it was a new Wayfair card which offers special financing at their store. I did not realize this was not the case until I called Wayfair customer service. I feel this was deceptive on the part of Comenity, sending me a credit card to replace a store card I previously held.
Product: Credit reporting or other personal consumer reports

I have previously disputed this fraudulent account last year and this account was removed from my credit report. I have even sent a FTC report to the company directly and also to your company and now this fraudulent account has been sold or whatever to another company and has been put back on my credit report.
Product: Checking or savings account

Bank of America opened a checking account in my name with my SSN. When I called fraud support, they would not help me until I provided them my SSN over the phone, which I will not do. Their " fraud help '' web site even states that they will not ask for SSN when resolving issues.
Product: Checking or savings account

hello, i previously had a checking account with bank of america. they had charged me with insufficient fund charges and overdraft charges. several times .my job at the time gave me the option for direct deposit, so i closed my account with BOA. I`am now with XXXX XXXX XXXX. i have-not received any settlement information from anyone i just read, and saw on the news, that they have been doing this to others.how do i join for reimbursement .thank you.
Product: Credit card

I am asking for your help to review these accounts from companies that are inaccurately reporting late payments. After losing my job, I requested forgiveness for these late payments, and they agreed, but they are still being reported as late. Ive reached out to them without receiving any updates, so I am turning to you as a last resort.
Product: Checking or savings account

There was fraud that happened within my checking account with Wells Fargo XXXX through XXXX of XXXX. I had called imidietly when I noticed transactions so that the bank could freeze my account or create a new account plain out just help me out with what was happening. 

There were several XXXX transactions as well as some checks that had been deposited and bounced for an estamated total of {$13000.00}. 
I did manage to have a representative open a new account and try to secure my account from all the fraud that was happening. But it wasn't until the second time that I called to do a follow-up that this happened. 

The original first time I called to report the transactions the representative told me I am creating a new account for you right now gave me a number to save as my account number and when I called for updates and gave the second representative the account number that number didn't exist for me. At this point the second representative did help set me up with a new account and took all my statement over and basically start from XXXX to complie all the information required for the claim. 

I made it my mission to stay updated with what was happening with my account by calling in at least once a week. 
When I called Wells Fargo about the transaction there was an active case that I would call to inquire more information about at least once a week since the transactions. The last I spoke with a Wells Fargo representative was in XXXX of XXXX that someone would get ahold of me to discuss things further and I didn't have to keep on calling them every week. I still haven't heard anything from Wells Fargo to this day XX/XX/XXXX. 
At the time this all was going on I was going through some major medical situation and having this {$13000.00} vanish before my eyes just like that didn't help at all. That money was all that I had and the individual ( s ) that omited this fraudulent activity to my account got away with all of it and Wells Fargo did nothing even after having all the authentication setup never did I one get an alert that all of this movement was happening with my account.
Product: Credit reporting or other personal consumer reports

Portfolio Recovery As an unauthorized 3rd party debt collector is reporting an account attached to my name and social to the credit bureaus with account # XXXX, XXXX is currently reporting to XXXX, XXXX etc
Product: Bank account or service

Since JP Morgan Chase implemented the new touch ID feature I have had several issues attempting to use this function to access my checking and savings account via my mobile phone. I 've called several times and they 've walked me through a very long drawn-out process where I 've had to reset my password each and every time. The password criteria is very stringent which requires XXXX characters as well as special characters along with upper and lower case letters and numbers. I am livid as this issue only became relevant about 4-5 months ago but since then I have been encountering this issue very other week when attempting to access my account. Please address my concerns at your earliest convenience as this has caused much delays in payments being transferred to other accounts, inquiry regarding account balance as well as a waste of my time. I 've been on hold with them for several minutes while they " tried '' to resolve the issue and have spoken to managers about this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I submitted certified letters to Trans Union, XXXX and XXXX   regarding XXXX XXXX XXXX/XXXX for {$2300.00}, XXXX XXXX XXXX for {$3000.00} this account is older than 7 years old from the first day of default, I've even sent them paperwork from XXXX the company that is handling the loans, the letter verified that my first date of delinquency was XX/XX/XXXX and they still refused to removed they accounts from credit bureaus. According XXXX XXXX letter to me that I submitted to each bureau " the federal law requires defaulted student loans be reported to the national consumer reporting agencies for seven years from the date of delinquency ''. Based on that information the account should be removed, yet they continue to send me verified/updated letters.
Product: Credit reporting or other personal consumer reports

On XXXX I was working with a realtor, I wanted to know how much my monthly mortgage payment would cost, if it would be within my budget. She suggested that I shop around with lenders, not give them my Social Security Number ( to avoid a credit hit. ) and get an " estimate ''. She referred me to a company name XXXX XXXX XXXX XXXX, the person 's name was XXXX XXXX. I spoke to XXXX on XXXX told him that I did not want my credit pulled/hit I just wanted an estimate, he said he understood, advised me to go to his website, enter my info, then he would call me back for review. I did just that I did not provide my social security number, only my name, DOB, and financial information/income. He called me on XXXX and went over my options, at the end of the call I told him I would look around with other lenders and get back with him by the beginning of next week, If I wanted to go forward. To my surprise on XXXX I received an email from my credit monitoring company that a HARD inquire had XXXX made on my credit by Prosperity Home Mortgage LLC. I called XXXX XXXX, he said that it should have been a soft pull. I was told him no one gave you permission to do this. I was very clear about what I wanted you you said you understood. XXXX is so desperate to make a sale that he does not listen to the people he is working with. On XXXX I asked that he send a letter of deletion. he replied ; " I am going through our credit company XXXX XXXX and will be update you as soon as possible. He has never sent me an update, he just giving me the run around. any time I contact him he says " I'll follow up ''. 

This hard inquire is now on my credit report for XXXX, I would be a first time home buyer, and wanted to collect all the information before I made a decision and XXXX XXXX has taken that experience away from me and cause damage to my credit report, which I work hard to keep in a positive standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all three burrow and updated my Information and to remove personal information that I don't want on my Credit report. According to the fair Credit act 12 USC 1681. I have the right to privacy, also according to 15 USC 6802 No financial institutions is not suppose to share my Information to any third party people. 

This is a clear violation of my Federal protected consumer rights!
Product: Credit reporting or other personal consumer reports

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 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 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 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 Description of the Inaccuracy : I checked my credit report on XX/XX/XXXX, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ). According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2, they are supposed not to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the account is inaccurate. The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) ; it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b ; a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.
Product: Credit card

PayPal Credit ( dba BillMeLater ) refuses to post refund from XXXX to my account in a timely manner, claiming it take XXXX weeks to process. They further refuse to provide on-line access so that I can check on the status without using their call centers. They are continuing to apply late fees and interest to an item that was refunded and close the account. I believe that this company is engaged in deceptive and fraudulent practices.