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

XX/XX/19. I should have had a direct deposit from XXXX, my paycheck as a civilian XXXX employee. Last night, the transaction was showing as pending ( which is normal for a Thursday night ), and this morning, it is showing as neither pending nor deposited. Not only am I unable to access funds, but the customer service phone line is not working. I learned through social media that Navy Federal knows there are problems with deposits, blame it on tax returns incoming, and have not given even a ballpark timeframe of when it will be fixed. I understand that things sometimes happen, but this is the second time recently, and the company is unwilling to speak to customers about it. I assume other banks are also being hit by tax returns, but only me and other coworkers banking with Navy Federal have had problems.
Product: Checking or savings account

I received a letter from HSBC with promotion to open an Advanced Checking account and to maintain {$10000.00} for 3 months to obtain {$370.00}. I have maintained that balance for 6 months and still have not received any welcome bonus. I have tried calling the customer service several times but it has been unhelpful so far.
Product: Mortgage

I received both mail solicitation and telephone solicitation from Iconic Mortgage, Inc, a mortgage broker firm in XXXX Florida. They claimed to be calling me about a " new VA loan program '', a XXXX Hybrid loan. This is not a new loan program. 

After discussing further, the loan representative state this program would allow for a 2.375 % rate in the first 3 years and that in year 4, the highest the rate could go up would be 3.375 %. At this point, I would be able to lock in the 3.375 % rate as long as I had no 30day late payments. She reiterated that I would be able to lock in the 3.375 % rate in year 4 and that this loan would save thousands of dollars. 

I found many misleading statements that would have cost me thousands of dollars in additional debt. Here is a summary of the misleading items I identified after reviewing the documents they sent a notary out to my house to sign : The figures provided by the loan rep summarizing the loan were incorrect and misleading. Principal payment with the 2.375 % 3/1 Hybrid is XXXX/mo but I was told via email it would be $ XXXX/mo with over {$53000.00} in principal payment by year 4. 

After 4 years, my loan balance would have actually be HIGHER with this refinance by almost {$10000.00}. At this point, I would have been subjected to an adjustable rate when interest rates would almost certainly higher than current rates. My payment would have gone up and I would have paid less into principal. 

I was told this loan allowed for me to lock in a 3.375 % interest rate in year 4. I asked for documentation proving this. In fact, everything I was given stated I would be able to lock at MARKET RATES, which will almost certainly be higher than 3.375 % and my current 3.875 % fixed rate. 

The Lender Certification within the packet sent to me stated I would recoup my loan costs in 8 months because they used monthly savings that were my FULL Principal and Interest payment on the loan, not savings from my current loan. This is, at best, an egregious error and, at worst, intentionally misleading and possible fraud. 

Finally, the closing costs were outrageous. They were charging 0.25 % in points for the interest rate, which was never disclosed to me in our conversations or emails. They also had an origination charge of 1 % along with a {$590.00} " underwriting fee '', MUCH higher than costs charged by almost any VA lender. 

I believe Iconic Mortgage, Inc uses false and misleading statements and advertisements to lure veterans into a costly refinance where the mortgage broker, their company and the lender make money at the veteran 's expense. Other veterans without the experience and knowledge to identify these items would lose tens of THOUSANDS of dollars with a refinance like this. That cost would almost certainly go up over the life of the loan if and when interest rates rise above current rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX put a 60 day late payment on my credit report for a Visa card that I have with them that I have not even had in my possession since XXXX. The charges stem from some late fees they claimed were on my account which should have never been there due to the charges on the account were fraudulent and had been disputed and were not adjusted properly on my account. I contacted XXXX and was assured everything was resolved and they even emailed me a letter to confirm they would contact the 3 major credit bureaus and have it removed off of my report They also sent me all the dispute information in the mail and my balance was supposed to be brought to XXXX and they raised my credit limit by {$500.00} and they were going to send me out a new card. The negative item was removed off of 3 credit bureaus and stayed on XXXX. I even put in a dispute as instructed by the XXXX rep to make the process faster. I called XXXX and informed them that it was still on one credit report and I spoke to the exact same gentlemen who handled the matter originally and he stated he would fix it and that he actually had the disputes that I did and he will rectify the matter. Instead he made and even bigger error by putting the late payment back on all of my credit reports and bringing my score down even further and I attempted to call and could not get through to him. This is my last effort before contacting a lawyer. They affected me getting a property and lowering the limits on other cards as it looked as though I have a recent 60 day late on my credit score. I also still have not even received my card and the credit bureaus are stating XXXX confirmed verified the account as being accurate with the late payment I do not have any late payments on my credit report except this.
Product: Credit reporting or other personal consumer reports

Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c-2 ( a ) On XX/XX/2024 and XX/XX/2024, and XX/XX/2024 I fowarded correspondence to your attention for the immediate blocking and deletion of fraudulent accounts and information appearing on my credit report. To date, the below information remains on my credit report. This is a violation of the law. I am writing to formally request, for the FOURTH REQUEST, the immediate blocking and deletion of fraudulent accounts and information appearing on my credit report as a result of identity theft, pursuant to 15 U.S.C. 1681c-2 ( a ) under the Fair Credit Reporting Act ( FCRA ). I was a victim of the Experian data breach, and my personally identifiable information was compromised, leading to unauthorized accounts being opened in my name. The fraudulent accounts in question are as follows : Account Name : XXXX Account Number : XXXX Date XXXX : Amount : {$840.00} Account Name : XXXX  Account Number : XXXX Date Opened : XXXX per 15 U.S.C. 1681c-2 ( a ), you are required to block and delete the disputed information within four business days of receipt of this request. Additionally, you must cease reporting these accounts to any third party. I expect a written confirmation from your office once the fraudulent accounts have been blocked and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX, XXXX, XXXX, and Transunion, have violated my rights. I have also been told previously that it has been verified through the courts which are not true and I have verified with the courts that they do not verify this information with the credit bureaus or any other entities. My rights have been violated under the FCRA laws below and I have the right to privacy. I have asked that this be removed from my credit report multiple times due to the FCRA violations and the inaccuracies that are included.

15 U.S.C 1681 section 602 A. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers 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 There are also multiple errors on my credit report in regards to this listing such as the reference #, court name, and filing date which violates my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

See report and letter attached Delete fraudulent unauthorized inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

Each Credit Reporting Agency continues to show credit inquiries when we have not authorized the companies to pull our credit.  I have disputed these inquiries from each agency and nothing has happened nor have they disclosed the accuracy of these inquiries.
Product: Credit card or prepaid card

I was approved for a secured card back in XX/XX/2019 and This required that I pay a {$300.00} security deposit which was debited out of my personal account. I received the card and welcome kit in the mail. Shortly after I needed to fill out another IRS form for additional information and ultimately the card was cancelled and closed saying they couldn't verify personal information after receiving this phone call and email I said okay how soon will I get my security deposit back and they assured me with in that it would be expedited within 10 business days. It has been almost 2 months now and I have yet to received my security deposit back and I have called every week for the last 5 weeks to get the status and they continue to give me the run around about refunding my security deposit. in this process I have lost 11 points on my credit scores and have an inquiry which they stated from the very beginning it wouldn't affect my score and a derogatory remark for the account that was never used
Product: Checking or savings account

I have 4x scheduled transfers through USBank every month, with 2x scheduled transfers going from USBank to XXXX XXXX  in the amount of {$4700.00} ( twice monthly ) and 2x scheduled transfers going from USBank to XXXXXXXX XXXX in the amount of {$500.00}. 

Repeatedly, and without prior notice, these transfers did not occur. I have spoken to 2x USBank managers and their IT helpdesk. Nobody at USBank wants to own this and certainly hasn't made any meaningful attempt to solve this. 

Most recently, I was told to contact the business relationship manager. Here was his latest response to me : Unfortunately, this falls out of my scope of practice. 

I have opened multiple tickets with IT and nothing gets fixed. I am making a formal complaint, I can provide multiple emails of the course of months ( since XX/XX/2023 ) showing where the transfers sometimes go through and sometimes do not.
Product: Checking or savings account

I got my XXXX XXXX XXXX report which I will attach and to my surprise I found my personal information from Chase Bank on there.15 USC 6508 I have the right to opt out and that they have reported information and transactional history to early warning and check systems Per the FCRA as a Federal protected consumer of any and all authorizations. I the consumer may have given you written & unwritten. Verbal or non-verbal per 15usc 6802. Under 5 usc 522a you are not suppose to give my social security number to anyone that is not the FEDERAL GOVERNMENT. 17cfr 424 all inquiries must be removed. Fair Credit Reporting Act of 1974 15usc1681 Inaccurate Reporting Non Public Personal Information 16crf 313.6 16 crf 313.7 15usc1602 Per the FCRA as as a federal protected consumer. I'm now opting out any and all authorizations. I the consumer may have given you written & unwritten and verbal or non-verbal per 15usc 6802. There was a total of XXXX transactions on my XXXX XXXX XXXX report from Chase and I also am revoking Chase Banks XXXX XXXX XXXX  over my accounts and seeing that each violation is {$1000.00} I am demanding a total of {$190000.00}.
Product: Credit card or prepaid card

XXXX To whom it may concern, As I was checking my accounts this morning, I noticed a charge on my capital1 card. This card is locked with a {$0.00} balance. It turns out I was being charged {$22.00} in interest. But how can I be charged interest on a {$0.00} balance. I called the company on XX/XX/2022 around XXXX eastern time. The agent plainly said she could not remove this transaction for me to pay. Even after going over the dates, she just brushed off as irrelevant : you have to pay. I asked to speak with the supervisor who echoed the previous reply : pay. It was my understanding, if you pay off your balance before the cycle ends, there are no interest charges and no payments due. 

Here are my numbers : XX/XX/2022 - XX/XX/2022 cycle Balance owed : {$1300.00} Balance paid : {$1300.00} [ XX/XX/2022 ] Balance new : {$22.00} ( due XX/XX/2022 ) I appreciate your dedication to this matter and looking forward to any response. 

Sincerely, XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX ( XXXX minutes ago ) to Executive.office I am absolutely FURIOUS! 

I opened a Chase checking account a week ago and had my Direct Deposit switched over from my employer. My paycheck came in today and I started paying bills on online banking. All of a sudden my account is flagged and I get this message : XXXX What XXXX XXXXXXXX is going on with my account? I have no debit card, no checks, and now I can't access my funds. I am on a limited income and I need to buy my family groceries and even more urgent, my gas light is on and I need to get gas to get back and forth to work. Now my account is frozen for suspicious activity? 

I called and spent over an hour arguing with some XXXX who refused to give me a supervisor. I finally convinced him to get me a supervisor after he tells me " they will tell you the same thing I have told you ''. The supervisor XXXX XXXX called XXXX XX/XX/year> ) took half an hour and said she can't do anything. No supervisors can fix it and a back office that does not have a phone makes these decisions. It will be 24-48 hours for them to review my account. I asked for what and she said she doesn't know. 

What kind of XXXX show are you running over there? I am absolutely livid. My hard-earned money is being held XXXX for what? Nobody knows. I have no access to any funds at all to take care of my family. This is CRIMINAL!!! 

I want somebody to contact me NOW. This MUST be resolved.
Product: Credit reporting or other personal consumer reports

I filed a lemon law case against Mercedes-Benz corporation iXXXX XX/XX/XXXX because my car is a lemon and is a very dangerous vehicle. When I filed that case they started to retaliate against me by not posting my payments to my account, reporting false information to the credit bureaus and denying me service on the vehicle. I attempted to correct the miss allocation of payments to the account with a supervisor who admitted the late payment reported in XX/XX/XXXX was inaccurate and promised to remove this from all credit bureaus. Initially it was removed, but they placed it right back to prevent me from being able to trade in the car as it took XXXX points off of my credit score instantly! I attempted three weeks ago to have this resolved by another manager, who stated she would call me back and get it updated. No response, no update! I am attaching information supporting my position. I have six months worth of statements showing payments were made timely and deducted from my checking account, but I am focusing on the payment referral arrangement which I initiated with Mercedes-Benz For the month of XX/XX/XXXX. If they didnt falsify service records during the lemon law arbitration case, I would have won the case and this would be a non-issue. I am attaching the payment deferral agreement which shows payment was due XXXX, the 10 day grace period contract, executed by myself in the dealership, their policy on not Reporting negative information when payment referrals are requested in a couple other supporting documentation. 

They also have refrained from reporting all payments made to the credit bureaus. There are months where I made {$3000.00} worth of payments and theyve reported XXXX. I cant confirm that my payoff balance is even correct because of all the retaliatory actions taken against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account number 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. XXXX Trans Union XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


According to the 15 USC 1681 section 602 A States I have the right to privacy. 


These addresses, phone numbers and employment history are incorrect on my credit report. 


Names : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AL XXXX XXXX XXXX XXXX  XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX Phone Numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Employment History : Boss Republic Self Employed
Product: Debt collection

I received a letter from XXXX, XXXX XXXX XXXX XXXX. stating they entered a judgement against me for a Target account that I paid years ago. The never notified me of this ever but in the letter it starts off saying " As you are aware, a judgment was previously entered again me '' No, I am not aware because I dont owe Target anymore and if I did, shouldnt I have been made aware of someone trying to sue me?
Product: Checking or savings account

An account was opened with Chase Bank by me on XX/XX/year>. Since the opening of this account all transactions were fraudulently made. Someone deposited checks into my account that I disputed. I stated that my account was hacked. I filed a dispute to have my funds reimbursed. Instead of Chase investigating, they close my account.
Product: Payday loan, title loan, personal loan, or advance loan

We have our account set up for automatic monthly payments + {$100.00}. So far, every month, the autodraft has not included the extra {$100.00}. Even so, the principal balance should not be going up while we are making payments on it. 

The autodraft went through on XX/XX/XXXX. I have included a screenshot of our checking account activity for that week. In it, you can clearly see a payment of {$690.00}. At the end of XXXX ( I believe it was the XXXX ), I noticed that our loan account was flagged as 19 days delinquent. Our statement ( XXXX nonsense round XXXX ) showed a number of payments and reversals that are in no way reflected in our checking account. We called Wells Fargo, and were told that they could see the error, and would investigate. They expected it to take 5 business days, and we would receive something in the mail. We never received any mail. 

The autodraft for XXXX did not go through on the XXXX. We called on the XXXX, and were told that it was because the system erroneously believed we had made extra payments in XXXX, and had no balance due. I specifically asked if I should make a payment, and was told not to by a Wells Fargo employee. We were told that she was opening a second investigation into our account, which would take 5 business days. 

On the XXXX, our account was again flagged as delinquent. We called Wells Fargo and made a payment over the phone, and were again told that our account was being investigated to see why this was happening. 

Today, on the XXXX, our loan account shows an increasing number of fake transactions on the XXXX ( XXXX nonsense round XXXX ). Again, none of these transactions are in any way reflected in our checking account. This appears to be a system error entirely on the loan account. 

Adding insult to injury, I am including our statements from XX/XX/XXXX and XX/XX/XXXX, as well as a screenshot from our loan account page. The principle balance in XX/XX/XXXX was {$22000.00}. As of this morning, it is {$23000.00}. 

We made payments in XXXX and XXXX. Why do we owe more money now than we did in XXXX? 

We no longer have faith in Wells Fargo correcting this error. We need the Consumer Finance Protection Bureau to step in and make this right.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and all 3 credit bureaus have failed to remove a late payment from XX/XX/year> from my reports despite constant contact and attempts made by me to have it removed. XXXX XXXX has an automated system set up so that it will automatically deposit and withdraw money to/from an account which will then withdraw and deposit money into another account that is connected to a credit line designed to help build credit. 

The account records show that the accounts not only failed to even attempt to withdraw and deposit for XXXX payment, but then had a delayed deposit/withdrawal on a second payment as well. Due to the system failing to operate as it was supposed to, I am not liable for damages. Once I realized what had happened, I promptly ensured the account was current and contacted XXXX XXXX to advise them of the system and account issue. XXXX XXXX and all three Credit Bureaus ( Experian, XXXX, and XXXX ) have been unhelpful in solving this issue and removing the late status from my reports. There has been a couple times where the credit bureaus have removed the late history before readding it later on and a few times where the credit bureaus have failed to send dispute reports. This has gone on for around 8 months now, which is an extraordinarily long time for something as simple as a system error causing a {$10.00} payment to be made late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Source, XXXX XXXX Account # XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( it ) the information is, in fact, inaccurate.