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

Deposited check on XX/XX/XXXX. Called on XX/XX/XXXX to confirm deposit would be available. Representative and manager confirmed funds would be accessible XX/XX/XXXX. Bank put additional hold on funds which can not be undone ( per representative ). Funds nit available until XX/XX/XXXX at the earliest per representative.
Product: Credit card

On XX/XX/XXXX, I received two fraudulent credit cards issued by Synchrony Bank for XXXX 's XXXX XXXX I filed a police report, froze my credit report with XXXX, and called the Synchrony Bank to inform them of the identity theft and fraud. On XX/XX/XXXX, I notified the Social Security Administration, XXXX, and Identity Theft.gov ( report # XXXX ). 
I have had multiple written and phone conversations with Synchrony Bank regarding the fraudulent charges, the fraudulent cards, the changes in my address, phone # & email they continue to allow. Recent correspondence on XX/XX/XXXX I spoke with XXXX, Fraud Department regarding a new fraudulent card issued to XXXX XXXX on my account and attempted charges on XXXX by said person. XXXX indicated that account was closed, a new account was created & card would be mailed, I am not responsible for charges. On XX/XX/XXXX, there are three pieces of mail from XXXX. which includes two more cards on my account issued to XXXX XXXX & one issued to me. I again called the fraud department and spoke to XXXX. She stated that the company would not speak with me until receiving printed documents verifying my identity. This had previously been sent to them but it was dated.
Product: Credit card

CITI wo n't provide a paper statement on my account and only emails my statement. It is an XXXX account with a {$50.00} annual fee. I never received the statement, have not used the account all year and when I noticed my mobile app had a message, I looked and I had the {$50.00} annual fee due ... I paid it online and it was 3 days late. They assessed a {$25.00} late fee and interest. When I called, they would n't waive late fee or interest charges, so I said close the account and refund my annual fee. They would n't do that. This is pure and simple stealing! I asked to speak to a supervisor ... None were available, but I was assured a SUP would call me within 24 hours ... That was a lie! I never heard back ... Just got a XXXX email saying late fee will remain and to pay my bill!!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a company I did work for paid me my wages through PayPal to which I then initiated a bank transfer which was advertised to take 24 hours. On XX/XX/XXXX I didn't see the money in my bank. I called my bank to see if it was pending, and they informed me that nothing was in the " warehouse '' pending to be deposited into my account. I called PayPal and was told it could take upwards of 3-5 business days, even though it doesn't say as such on their website. 

I called again on XX/XX/XXXX after still not having received my money and was told they would initiate a trace to see where the money went, and that they could start that 7 business days after the money was supposed to have been deposited. I called back on the XXXX of XXXX ( 7 business days later ) and was told I would have to wait another day to initiate the trace. I called back on the XXXX and was told the trace could take anywhere from 24-72 hours. 

I called back the XXXX, still nothing. Called back the XXXX, still nothing. Called back the XXXX, and still nothing. Later in the day on the XXXX I called and told them I wanted an answer, to which I was told that the trace showed that the money was in my bank and there was nothing more they could do. Now, each time I called PayPal- I called my bank to see if anything had dropped. So I was quite familiar with everybody on my banks end, and there was nothing they could do because the money hadn't even made it to their " warehouse '' ( aka Automated Clearing House ). 

I then conferenced in my bank to tell the supervisor at Paypal, XXXX, that the money isn't there. He asked to speak to a manager, who also told him that the money wasn't there. He then asked to speak to their ACH department, to which he was told he couldn't. XXXX then informed me that since the money was gone from PayPal that he couldn't do anything and it wasn't PayPal 's problem anymore. He then told me, after 3 hours of being on the phone, that he would initiate a withdraw trace to get my money back, which could take 3-5 business days. 

It has now been 3 of said 5 days, and I called for a status update ( since they don't update me themselves ) and was told I would have to wait the full 5 days.
Product: Credit card or prepaid card

On XX/XX/19 I applied for the Chase XXXX XXXX credit card while browsing for flights on XXXX. A banner ad displayed an offer of {$250.00} statement credit and XXXX bonus miles after spending {$2000.00} and opening a new account. I was approved immediately and completed the prerequisites for receiving these offers. When my statement came in XXXX, the only offer provided was the bonus miles. I messaged a Chase representative inquiring about the statement credit and was told I was not eligible because they changed the promotion. I view this as deceptive advertising as it is not the consumers fault that they are running outdated banner ads when a promotion has ended.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed several accounts that have damaging information that isn't correct on top of my personal information not being completely accurate. Experian has not responded to my request and I do not know where their " investigation stands but they are in violation of the following FCRA laws for sure : Section 607 ( b ) - Duty to Correct and Reinvestigate Inaccurate Information : This section requires credit reporting agencies to maintain reasonable procedures to ensure the accuracy of the information they report. If a consumer disputes the accuracy of any information on their credit report, the credit reporting agency must investigate and correct any inaccuracies. Section 611 ( a ) - Procedure in Case of Disputed Accuracy : This section requires the credit reporting agency to notify the consumer within five days of receiving a dispute that it has received the dispute. The agency must then investigate the dispute and either correct the information or determine that the information is accurate. Section 616 - Civil Liability for Willful Noncompliance : This section provides that any person who willfully fails to comply with any requirement imposed by the FCRA may be liable to the consumer for actual damages, punitive damages, and attorney 's fees. I expect this information to be updated as outlined in my prior requests to Experian. To be clear THE ONLY NAME I GIVE EXPERIAN TO REPORT IS XXXX XXXX XXXX, THE ONLY ADDRESS YOU NOW HAVE MY PERMISSION TO REPORT IS XXXX XXXX XXXX XXXX XXXX XXXX NJ. I DO NOT GIVE YOU PERMISSION TO REPORT ANY OTHER VARIATION OF MY NAME OR ADDRESS. 
There are accounts on my report from companies named XXXX, XXXX XXXX XXXX, and XXXX. Experian should consider this official notice these companies were sent a Cease and desist and have not honored my request. XXXX XXXX is still reporting these negative accounts and is now also responsible for defaming my character as I can't get approved for a mortgage. I demand these accounts be removed NOW. I also need to make it clear I am not interested in a 6 month long fight, I will attach my letters previously sent to your company about the negative things I DID NOT GIVE EXPERIAN PERMISSION TO REPORT WITHOUT MY CONSENT. If we can't resolve this I will explore my options legally.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX CT XXXX XXXX, SC XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX CT XXXX XXXX, SC XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1800.00} XXXX XXXXXXXX Balance : {$710.00} XXXX XXXX : {$7900.00}
Product: Mortgage

Started in XXXX of this year with them putting force placed insurance on my property when I already had insurance in place. They did an escrow analysis with the force placed insurance and upped my payment almost {$200.00}. I advised them that I had insurance, me and my insurance company sent them documentation showing proof of coverage and they still havent removed the forceplaced insurance and still have not corrected the payment amount as of today. They indicated they were going to redo the analysis ( 2nd time ) but of course, they didnt remove the forceplaced insurance and the analysis came back that I needed to pay more to escrow. I received a notice yesterday stating that I needed to make an additional escrow payment to cure the deficiency. I called and told them that they were going off the incorrect escrow analysis and that my payment was still not correct. Of course the person said let me check on that, and again, a third escrow analysis has to be done. Nothing is going to change unless they remove the force placed insurance and then do the escrow analysis. I am so tired of dealing with this. I just want it done so I can sell my property and get away from Shellpoint Mortgage. It has been a nightmare ever since they took over my loan.
Product: Credit card

These are the pictures we took for our safety in taxi cabs in XXXX, my daughter were touring the city alone, so for our safety I told my daughter to take pictures. The first one is the cab that actually made the fraudulent charge, we were transferred to him by the guy in the second picture because I did not have cash and the guy in the second picture did not had his machine for charges with cards, so what he did was to call the second guy friend of him and met us on the route and we finish with him and pay him, the transportation was from XXXX XXXX XXXX XXXX across from the church XXXX XXXX  to XXXX XXXX XXXX XXXXXXXX. How in XXXX that can be {$61000.00} dollars!!! He said it was going to be {$280.00} $ pesos which in dollars is about {$16.00} DOLLARS!! Give me a break, thanks for your help. 

XXXX regarding this claim, please acept my social media posts as proof that Im attempting to contact the merchand ( people who stole from me ) hoping that aurthorities or public can identify and provide more information. 


ubject : Freeze card Navy Federal Response XXXX  : Thank you for using Navy Federal 's XXXX XXXX, XXXX XXXX XXXX XXXX. The charge for {$610.00} was done on your old card ending XXXX. It appears you have already shut the old card down to prevent anymore unauthorized charges. If we can be of further assistance, please let us know. 



Your Message XXXX XXXX  I will try to freeze my card because I did not do the purchase for XXXX.
Product: Credit reporting or other personal consumer reports

My information was sold and brought illegally because I was a victim of the Equifax Data Breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit 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
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 Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 XXXX 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: Bank account or service

I received a corporate personal check from my company, which is a national company that uses PNC. I do not have an account with PNC. When I tried to cash this {$27.00} check the teller said their would be a {$10.00} fee. I do understand administration cost maybe $ XXXX {$5.00}, but {$10.00} is robbery. Good thing I did not need the money, so I deposited it into the bank I use locally. I also have XXXX other banks I use. So how I look at this, XXXX I would never use PNC for any banking in the future or open an account with them and second how about people who do not have much money and that {$27.00} would mean food on the table or gas money to get to their job. I look at this as no more as cooperate Bank greed.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I noticed some hard inquiries that I do not recognize or were made in error. According to 15 USC 1681B a credit inquiry may only be made under certain circumstances and for permissible purposes. Additionally, under 15 USC 1681i, I have the right to dispute inaccurate information on my credit report. The following hard inquiries were not authorized by be and I request that they be removed from my credit report immediately. 
InquirieXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Bank account or service

We received an offer from Discover for a bonus for new checking account for current Discover card holder that promised {$300.00} for new customers who opened an account and makes XXXX direct deposit of {$250.00}. I applied for an account XX/XX/XXXX with offer on discover website with the promo code given, and the promo code shown up as accepted on the application web site. Fast forward 2 months, I contacted Discovered after XXXX-XXXX direct deposits have been made and the bonus amount had not shown up. The customer representative who I spoke up said my account qualifies for the offer, and the system is still catching up on offer processing, and I will receive in the bonus in weeks. Fast forward another 2-3 month to today, I called and was told that I was not eligible for the offer, even though I have told my offer code was accepted at application and told I was eligible once again on the phone. This does not feel like an acceptable way of doing business, I was marketed and promised something that was not delivered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute about 30 days ago to TransUnion. I advised them that 2 loans from XXXX XXXX XXXX XXXX was paid in full and had been closed out but they still had it on my credit report. I was informed by TransUnion that the information was not updated because it was correct. I advised them that it was not correct and the other reporting agencies had already updated the correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting XXXX incorrect addresses on my credit report. Despite me continually verifying only one. This is a serious violation of my consumer rights that has caused damage to my personal life as well as buisness unable to verify my correct address.
Product: Debt collection

There is damaging and inaccurate information about me posted on the credit reporting agencies XXXX  as well as XXXX, from a company called Transworld Sys Inc. I repeatedly disputed the information, this company insists its accurate, yet has not provided me with any evidence that I owe this bill. I've never received any Bills from anyone that I'm aware of. They have not provided a shred of validated or verified evidence that I owe this bill, but yet continue to illegally report it. I just received an email from XXXX  saying that the company ( Transworld Sys Inc ) has certified to XXXX   that the information is accurate, and that the damaging item will remain on my report. I want proof!! No one has provided proof. This is a sham!!
Product: Mortgage

I filed another complaint in regard to the application process. I actually spoke with a mortgage person today who confirmed my application was processed and my score was XXXX which was enough to qualify for an XXXX or XXXX mortgage. However, now they had a whole different reason why I couldnt get a loan. One which contradicts their website and the XXXX and XXXX loan rules. They told me I needed to close out all desputes on my credit report, even though they are valid disputes. They told me I needed to have XXXX months reserves in the bank. They told me I needed at least XXXX to XXXX percent down saved in a bank. None of which follows the rules for either loan. They clearly state XXXX down as little as on their website, loans for XXXX, and no reserves required for XXXX. They also did nothing but tell me I need to apply for other loans and get your score to XXXX. This is unacceptable!
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXXXX/XX/XXXX
Product: Credit card

On XXXX, Capital One emailed me an advertisement for their XXXX XXXX credit card product Reservation number : XXXX and an Access code number. The advertisement made a material claim that I could Count on these benefits including Enjoy 0 % on purchases for 9 months with a 29.49 % variable APR after that. I would not have signed up for the XXXX XXXX credit card without this material representation of 0 % interest charged for the first 9 months after opening the card. 

The advertisement did not make it clear, not even in any fine print, that in order to be eligible for the offer, one additionally needed to click the Continue button link within the email. Being a Capital One customer myself already and assuming that Capital One had my best interests at heart, I applied for the XXXX  XXXX credit card within the Capital One app in XXXX instead of clicking on the link within the email. I went through the application process, and did not understand that I was actually going to be paying interest for the first 9 months. When I saw the disclosures during the application and follow up emails about the interest rates, I reasonably assumed that Capital Ones application system would have my best interest at XXXX by knowing that I could count on 0 % interest for 9 months as advertised to me for the XXXX  XXXX card. I thought the rate shown was the rate that would be charged once the promotional term of 9 months expired. 

Again reasonably assuming that Capital One had my best interests at heart and would understand the bait and switch I had fallen victim to through their credit card advertisement, I called Capital One and requested they honor the promotional 0 % interest rate advertised to me that I was not eligible for because I did not click on the green continue button. I provided them with my reservation number from the advertisement, and Capital Ones response was to manipulate the narrative around what happened here by telling me an unverifiable personal anecdote about how the manager had fallen victim to a bait and switch themselves, as if that made it okay what Capital One had done to me. Having had my request to honor the 0 % interest rate for 9 months denied by Capital One because I did not open the XXXX  XXXX credit card correctly according to their systems, I felt used by Capital Ones abuse of my reasonable assumption that they would have my best interest at XXXX when I applied for the XXXX  XXXX credit card through their mobile app instead of through their advertisement. 

Having already invested time and a credit inquiry on opening the credit card and calling customer support trying to get them to address the deception I fell victim to, I felt pressured to keep the credit card open and use it instead of cancelling the card and spending more time searching for another line of credit. Over the next 9 months, I needed to use the credit card and incurred damages totaling {$320.00} of interest paid to Capital One that I would not have been charged without the bait and switch from their deceptive advertising.
Product: Bank account or service

someone wrote me a bad check. the bank deposited it, the money was there for 5-7 days. Then they took the money out of my account, overdrafting it as well. so i fixed it all. they got their money back and i continued to deposit again. Then they froze my debit card. So i went to the bank manager, at Charter one bank in XXXX ohio, and she said there was nothing wrong with my account and got me another debit card. It worked once, then they froze all of my money in the account. i did nothing wrong and i need my funds desperately. i just want to close the account and they wont let me.
Product: Debt collection

This firm is persistent with harassing phone calls, letters in collection of a debt that is not owed them. They have not complied to my request for the following information to support the alleged debt : name and address of the original creditor, a copy of the original signed contract, and a complete accounting / statement of payments with interest and fees associated with this debt.
Product: Checking or savings account

COMERICA BANK TOOK MY XXXX LOAN CHECK THEN CLOSED THE BANK ACCOUNT AND TOLD ME I WAS NOT APPROVED WITHOUT NOTICE. UPON DEPOSITING THE CHECK, I WAS ALREADY PRE APPROVED AND SUBMISSION WAS COMPLETED.