23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Payment made online on XX/XX/XXXX. Payment should have been for {$260.00} but website mad the payment for {$8100.00}. This triggered an overdraft transfer on my checking account to cover the payment. 

Contacted XXXX XXXX on XX/XX/XXXX ( around XXXX cst ) advising that the payment needs to be returned so we could make the correct payment by the due date of XX/XX/XXXX. We asked the advisor to submit the request and he was making light of the situation while laughing as I was crying. I was not confident with his actions but allowed a few days before I made a second call. 

Called back today XXXXattempted 5 calls starting at XXXX and was discounted on 4 of the 5 calls. Finally spoke with XXXX ( supervisor ) on 5th call and advised of the situation. She stated that she would submit a request for a check refund and it could take up to 15 business days. I had her speak to my husband and she explained the time frame. He also asked what happened to the first request and she had no even reviewed the notes on the account to see if a request has been submitted. As a supervisor I believe she should have reviewed the account for any notes to the situation and not just try and pawn me off with the standard " it can take 7 to 15 business days ''.

It should not take that long for me to receive the money back as it only took the ACH 1 day to clear my account. I should be able to get my money back before 3 weeks.
Product: Money transfer, virtual currency, or money service

To XXXX XXXX and Credit INNOVATIONs Affiliates. Your practices were deceptive XXXX XXXX have told me the total financial obligation that I would incur. Before having me sign the contract. I shouldve have been Forewarned that I would pay XXXX for membership and XXXX would be placed on hold. In addition, I especially should have been Told by XXXX on that phone call that I would incur XXXX on a monthly basis even though YOUR. Services were not guaranteed to obtain permanent housing. 
I would not have signed the contract. 
Per this email cease and desist from the contract and contact. My credit card company will continue to recover the XXXX and XXXX you have received and put a hold on. Cease and Desist from digging into my credit history. I will notify the credit bureaus. I thank SOVEREIGN that I didnt know the routing numbers to the bank. 
Sincerely, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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
Product: Credit card

I have a XXXX balance on a Citibank credit card I am enrolled in auto pay. I recently noticed the balance not really moving. The interest rate went from 22 % to 43 %. I called As I was not notified and also asked why? 

They could not give me an Answer and I asked if they would lower they said NO! 

Never late as I'm in auto pay! I would do better with a loan shark!
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with 3 credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$290.00} XXXX XXXX SXXXX XXXXXXXX Balance : {$100.00} ; XXXX XXXX XXXXXXXX Balance : {$32.00} ; XXXX XXXX XXXX Balance : {$20.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$290.00} : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$200.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$1000.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/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 XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

On XX/XX/XXXX I made a deposit into a checking account with Bank of America for the amount of {$3500.00}. After making the deposit the bank put a 10 business day hold on the check. Going against the Expedited Funds Availability Act of 1987 ( aka Regulation CC or Reg CC https : //www.federalreserve.gov/bankinforeg/regcccg.htm ). It was explained to me with several generic reasons for this. However, each time I speak to someone they will not state the exact reason? So on XX/XX/XXXXI called Bank of America and spoke with XXXX XXXX ( of Texas ; who would not allow me to identify them any other way ) to discuss whats going to happen with my current account seeing it is now negative due to two payments that come out ( XXXX {$1400.00} and XXXX {$210.00} ). It was explained to me that I will now receive not one but 4 ( Non-Sufficient Funds fee ( aka NSF fee ) of {$35.00} ) totaling {$140.00}. Not to mention that I am now late on not one but two of my credit accounts. Each of them are going to charge a NSF fee of {$50.00} ( 2 ) to {$75.00} ( 2 ) totaling ( {$390.00} ) and impacting my credit worthiness ... When speaking to XXXX she explained that this was the banks policy however after investigating this further its not following the law as define in the URL provide above. I spoke with a XXXX XXXX ( this is probably spelt wrong ) from XXXX XXXX ( where the check was drawn on ) on that transaction of the check and it was presented to the bank as an ACH and with a return answer of funds available on XX/XX/XXXX and delivered XX/XX/XXXX at XXXX   as a completed transaction with no issues or fraud risks.

This is an unfair practice as checks are now delivered via Automated Clearing House also known as ACH ( https : //fiscal.treasury.gov/fsservices/instit/pmt/ach/ach_home.htm ). The past reason for these long holds was due to the fact of horse and buggy delivering or presenting check from bank to bank for the exchange of physical monies for each account. My account has always had large deposits, some via cash ( because I have to cash my check prior to depositing to prevent the long holds that BofA is doing ) or Direct Deposit. I have also made other deposits via check and normally will get the first {$200.00} available with a reasonable hold time. However, this time and every time I have tried to present my payroll check to this bank theyre always wanting to put an extended long hold. However, after the several excuse that was explained to me by XXXX ( new account, previously deposited bounced checks, or previously deposited checks from that account ( XXXX XXXX ) that were returned ) and speaking to XXXX ; the XXXX   account from which the check was drawn from has never had a bounced check nor has been reported to check systems.

I find this to be appalling and do not feel this is fair or just. It to me appears as if the bank is trying to capitalize on this situation and damage my credit and credit history. I need help in this matter as it is now a financial and credit impact on me.
Product: Student loan

Loan is with American Education Services Acct # XXXX I 've only had one day of work since XXXX and got behind on my payments but I was never 30 days behind. The last XXXX payments have been for more than my minimum payment in an effort to catch up. Last week I started getting phone calls from something called XXXX Bank about my account. I just called AES and a representative claimed my account was 34 days late. She could not find my last payment of {$95.00}. My minimum is {$82.00}. I made the payment online through XXXX bill pay on XXXX XXXX the same way I 've been making payments to them since 2011. XXXX indicates it should have arrived on the XXXX. Today is the XXXX and AES is not showing the payment which is making me over 30 days late which is not correct. The representative demanded I send tracking information from my bank which I refused to do. AES is notorious for not crediting payments in a timely manner and this time I caught them red handed. Please have AES credit my account in a timely manner and remove any negative credit reports they 've made in the last few months. I 'm almost done dealing with this criminal organization and I would appreciate you keeping a close eye on them. Thank you.
Product: Money transfer, virtual currency, or money service

I went to my bank XXXX Chase Bank XXXX on XX/XX/2021 to send a wire transfer of {$4500.00} to my XXXX XXXX account. The teller at the branch entered the wrong account number for the recipient of the wire transfer. They entered my XXXX XXXX account number as the recipient instead of the XXXX XXXX intermediary bank account number that XXXX XXXX uses for incoming wire transfers. I set the instructions per XXXX XXXX in front of the teller assuming she would know how to enter the information accordingly. She made a huge mistake putting information in the wrong area and now my money is in some random account at XXXX XXXX. I have attempted to have my bank ( Chase Bank ) initiate a wire recall, which theyve done 3 times. XXXX XXXX deposited the money into the random account without checking if the account holders name matched that on the wire being sent. The names dont match so the money should never have been deposited. Both companies made a mistake and neither one wants to do anything about it. XXXX XXXX has denied the 3 recalls and puts the blame on Chase Bank. It has been a back and forth blame game for 2 months and I have not gotten anywhere with this issue. Its a mistake made by the banks but the customer ( me ) is the one having to suffer the loss and deal with getting the money back. 

I have Reference/Claims numbers from each bank from me attempting to get a resolution. I reached several different departments but no one was able to help me. I can include those numbers if necessary, I just dont know if that is too personal of information for this initial description.
Product: Debt collection

On XX/XX/19 I received four calls from XXXX from XXXX. I called back and requested them to quit spam calling my phone. On XX/XX/19 I received eight calls from XXXX at XXXX. My phone is set to do not disturb since I work overnights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I applied for all three credit reports from " XXXX '' which included XXXX, XXXX, and Transunion. I was only able to receive the report from XXXX. As a California   resident, I called to register a complaint with the proper agency. I also downloaded the form to mail a request with proper identification evidence and submitted same to XXXX and Transunion ... .both initially declined my request citing evidence was inadequate. I finally received a report from XXXX after complaining to the agency in California ... but received nothing from Transunion. I then called Transunion and after satisfactorily proving that I was indeed, XXXX XXXX XXXX ... they still insisted that I submit new evidence documents to receive a report by mail. I blew up and told them that was XXXX as they knew who I was at that point..finally they agreed to send a report by mail which I received last week. Four months after embarking on a quest to receive my annual credit report free from XXXX, XXXX, and Transunion. My main complaint concern is with XXXX as two of the negative accounts in collection have already been removed from XXXX after I submitted information that they must be deleted. I registered a formal dispute online with XXXX which was supposed to be completed by XX/XX/XXXX. After checking with XXXX no results were posted, although the date of XX/XX/XXXX was still listed as the date investigation results would be posted. The disputed accounts are ; 1. XXXX XXXX XXXX XXXX collecting for XXXX XXXX XXXX XXXX Amount {$2100.00}. 2. XXXX XXXX XXXX which was removed as " not my account '' from XXXX. Both these should be deleted. A third account XXXX XXXX XXXX is currently in dispute under 2 prior complaints with this agency.
Product: Mortgage

I have a loan with CMC. SLS is the servicing company. I can't communicate with them because they use archaic practices of verifying information that put my identity at risk. SLS has stopped sending paper statements. I want to continue to receive paper statements as their online system is absolutely terrible. They don't even provide an option to opt in for the paper statements. What the company should have done is give people the option to opt out of paper statements, but SLS never does the right thing by the customer.
Product: Credit reporting or other personal consumer reports

I have contacted TransUnion on several attempts to investigate and remove items from my credit report.. they have failed to investigate the account but in stead in 5-7 days update on the file verified with no explanation of how and what was verified.. the account are XXXX  for XXXX, XXXX  for XXXX, XXXX  for XXXXXXXX XXXX XXXX XXXX  for XXXX, XXXX XXXX XXXXXXXX for XXXX, XXXX  XXXX {$780.00}, XXXX XXXX  XXXX, XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$0.00} -This is not my account.
Product: Mortgage

Me and my wife bought a house for XXXX $ in XXXX XXXX once we sold our old property, we put XXXX $ to decrease our monthly payments and remove PMI. After the payment, our principal went down to {$270000.00}, which should be enough for the PMI removal. I submitted a PMI cancellation request to the lender in XXXX. They charged me {$250.00} for the recast and an additional {$250.00} for a Broker Price Opinion ( BPO ) for PMI removal. The broker evaluated and appraised our house at {$320000.00}, a valuation we strongly disagreed with. We believe the broker should have considered the upgrades we made to the house, such as upgraded carpet and carpet pad throughout the house and the addition of a deck. Additionally, the broker used houses in our area with smaller lots as comparables, which we believe affected the valuation. In an effort to resolve this, I expressed my disagreement with the lender and provided them with properties from our zip code. I also raised concerns about the broker 's work and requested a reevaluation of the appraisal, but they rejected it. I sent them the list of comparable houses twice, essentially doing the broker 's job, which I believe they needed to redo, but they rejected both times. There aren't many houses in our area, especially two-story ones like ours. They suggested paying the cash difference to reach 80 % and remove the PMI, but I firmly believe our house was appraised inaccurately, and we should have enough equity to remove the PMI without that. 
I used an appraisal calculator on their website, and it showed me that our house increased in value by 0.8 %, which I also included in the lender 's request. 

Additionally, the lender removed all the messages received/sent before XXXX from my message box on their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a bankruptcie on my trans union report I have sent dispute letters from the courts, XXXX XXXX an my self show that the information on my report is incorrect i ask for the info to be removed trans keep saying its accurate i have sent the letter over to trans union to show that thr info is wrong they keep reporting this its been 7 months they are not giving me any correct info its hurtin my credit i have put a freezee on my report
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX  XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/2022 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  a victim of XXXX XXXX please remove this fraud inquiry from my credit report.
Product: Debt collection

Missed call from XXXX on XXXX XXXX, 2016 at XXXX Caller left a voicemail : three seconds of silence. 

Missed call from XXXX on XXXX XXXX, 2016 at XXXX Did not leave voicemail. I called the number back and received the message " We 're sorry, you have reached a number that has been disconnected or is no longer in service. '' Received call from XXXX on XXXX XXXX, 2016 at XXXX 

They asked for an individual that was not me. On this call I learned that they were GC Services LP and given the phone number XXXX. I asked for more information about the call and how they obtained my phone number, but was not given a clear answer. One method they said was a database, that the company gathers information. Another method they said that the individual that they were trying to contact had written my phone number down, but quickly retracted the statement. After a few attempts, I was able to be connected with someone who was able to provide me their mailing address, XXXX , Ohio , XXXX. I asked if they would be able to confirm that another phone number belonged to them, [ hoping to confirm whether or not the XXXX number belonged to them or another telemarketer ] but they said that they do n't always know what phone numbers show up when they call. I then told them that my phone number was not a good contact phone number for the individual that they were trying to contact and asked to be taken off of their contact list. 

I then called XXXX to try to verify the XXXX phone number, but they were unable to assist with that issue. The operator did say that I was put as a reference for the individual that they were trying to contact and that is why they were calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the accounts was never authorized to report on my credit, please see below the list accounts on my report : Identity Theft WF/XXXX XXXX Account XXXX : XXXX This is not mine.