23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

XXXX XXXX XXXX took {$6000.00} from my bank account last week. The first withdrawal was under my consent. The additional XXXX withdrawals were not. 
plan meant I was required to sign up for XXXX XXXX which is an electronic direct withdrawal from my bank account monthly for the AGREED upon amount. 

I set the additional payment online via echeck, hit submit ONCE, and got XXXX confirmation number. Fast forward to yesterday and XXXX has withdrawn an additional {$6000.00} dollars from my bank account using the SAME check number. The amount of catastrophe this has caused is unmeasurable. 

In all, XXXX made XXXX {$6000.00} withdrawals in two days from my account using the same Echeck number, a total of {$18000.00} dollars of which only XXXX installment was returned leaving me - {$12000.00} and unable to pay my bills on time. 

I spoke with XXXX at XXXX yesterday who informed me the 'refund ' process takes 30 days and my best bet is to speak with my bank. 

My bank account is now negative thousands of dollars and I can not pay my rent, buy groceries and will be late on and charged fees for a number of other loan and utility accounts. 

I spent a significant amount of time on the phone with several Santander Bank representatives yesterday ( XXXX, XXXX, XXXX ) who while I 'm sure did their best to provide customer service told me the business could process a refund no faster than 10 days and it could take up to 45 days to resolve. 
The bank allowed an issuance of the same echeck on three separate transactions. 
It took the bank a full week to inform me my account had been overdrawn to this point. In the 10 years I 've had my account, it 's been overdrawn once, by {$2.00}, and you mean to tell me there were no red flags when {$18000.00} was withdrawn in two days bringing my account far into the red? 
I was also informed that I could not be given a temporary balance adjustment in the meantime AND that the overdraw fees being charged to my negative many thousands of dollars account could only be resolved after the fact in another entirely separate dispute. I was also told that the bank would not assist me in speaking with XXXX to resolve the conflict. 

I have been a customer of Santander Bank since 2006 and will be closing my account with them as soon as this is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/X/17, I received word via news that an Equifax data breach could have effected me. I followed the prompts to find that I was possibly effected. I placed a fraud alert with the credit bureaus. I 've also found out that 3 executives in the company sold a combined 1.8 Million USD in company stock 2 days after being notified of the breach, but before going public. There is also speculation they knew of the breach 3 months prior to notifying the public. This is a disgrace. These are people 's social security numbers, birthdate, addresses, etc. Extremely carelessly handled and then possibly profited from. Is the system rigged? 

Equifax has offered me one year free credit monitoring from one of their companies ( surprise ). It contains legal language which you are waiving your right to sue them. This is included in the free monitoring, which is obviously a ploy to get citizens to waive their right to sue and sell their own product to you because of their XXXX XXXX. Free for a year and what do you have to do to opt out? Call in a year? 

I should have free credit monitoring for life, as what stops those who bought the information from keeping it over 1 year only to use it when my guard is down? 

I 'd love to see some accountability. I 'd love to believe this system works. Please consider prosecution to the fullest extent of the law
Product: Student loan

I have previously submitted a complaint about a private loan taken out by XXXX XXXX XXXX ( a loan which is now held by University Accounting Services, LLC ). As the procurer of this loan, under the class action suit that was filed on XXXX XXXX, 2014, I am entitled to certain benefits according to the settlement offered in this case. I have not received any information regarding this and when I attempt to contact the loan servicer, the only information I receive is that since it is a private loan I am not entitled to " loan forgiveness '' under Borrower Defence.
Product: Checking or savings account

I applied for a checking account with First Horizon Bank on XX/XX/2020 and was immediately denied for their free checking. They use a system known as XXXX  to measure worthiness of banking with this institution and provide a score and report based off of several factors. The reasons listed from First Horizon that I was denied the ability to open a checking account were 1. TIME AT CURRENT ADDRESS 2. TIME SINCE NON-DDA INQUIRY ACTIVITY 3. ASSET OWNERSHIP HISTORY 4. NON-DDA INQUIRY OR RETAIL ITEM HISTORY. I immediately ordered a report from XXXX  to discover that there are few incorrect pieces of information on the report, but otherwise nothing negative. I was given a " wealth index '' score and scored low due to the fact that I own no property, I have no other derogatory marks. I called the local branch and asked them to explain to me why I was declined. The person I spoke with asked to see the reports and after looking couldn't really say much of what was wrong other than the line that says " non-derogatory marks '' which for me is listed as " 4 ''. I asked if non- meant something I am unaware of because non- to me means " not '' derogatory so I still did not understand why they were declining me for a simple free checking account. She ended up being over the conversation and said that she was sorry, due to their regulations there was nothing she could do to open a bank account for me. She stated directly to me that they do not serve customers who " have mismanaged their finances '' and who have " poor credit. '' I am not a person of color, but I am young and I have little wealth. Thus, this institution has determined I can not bank with them and they will not look at my personal situation and road to recovery to do so. I would bet a ton of money on the FACT that the majority of the people they decline would lie within certain regions, be of certain wealth levels, and include a majority of people of color. XXXX  goes further than a soft credit check and contains inaccurate information that is nearly impossible to dispute, the branch was unempathetic to this and as I mentioned, went as far to insult my past claiming it as irresponsible, and further denying me a chance to bank locally.
Product: Consumer Loan

SUMMIT FINANCIAL REPRESENTATIVE XXXX XXXX CONTINUES TO LEAVE DETAILED VOICE MESSAGES ON AN OPEN ANSWERING MACHINE. XXXX XXXX HAS THREATENED ACTION, TAUNTED FOR NOT ANSWERING PHONE, AND LEFT BILLING ARRANGEMENTS ON THE ANSWERING MACHINE NUMEROUS TIMES. AT NO TIME DOES HE STATE IS ATTEMTPING TO COLLECT A DEBT, OR ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00}
Product: Debt collection

I disputed items inaccurate on my credit report. This is not my debt. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 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 or other personal consumer reports

On XX/XX/XXXX I was informed that I currently have serious delinquency reportings on my Experian, XXXX, and XXXX credit bureau reports as I applied for funding at my local bank. The reports illustrate late payments of 30 days and more for multiple loans in XXXX & XXXX though this REPORTING IS INVALID. I have contacted both loan service providers which the accounts are attached, to verify if these reports are true. Representatives from both companies did not find and COULD NOT VERIFY that the accounts had ever been in default or received late installment payments. These reports are invalid and therefore must be removed according to the Fair Credit Reporting Act.
Product: Credit card or prepaid card

Below I have provided in great detail what has occurred between Bank Of America and myself and at the bottom of my letter I have included all the fraud charges made on my account. 

On XX/XX/XXXX, 4 transactions were made on my bank of America credit card fraudulently. Please see the end of this letter for transaction details. The last time I used this credit card was on XX/XX/XXXX, for the amount of {$37.00}. I logged into my app on XX/XX/XXXX, to pay for the purchase I made of {$37.00} and noticed the fraud that had been done on my account. 
I first went to look for my credit card and once I couldn't find it I immediately called the bank. 
I was assisted by a fraud rep name XXXX who was very rude and did not enter my claim properly. I had let the rep know that my credit card was stolen and used. She did not put all the purchases that were made on the claim and even added the purchase I made of {$37.00} on the claim. We had gone over each transaction in great detail so I am unsure how this happened. My claim was denied on XX/XX/XXXX and the bank had come to this conclusion due to my credit card chip being used to pay for all of these transactions. I was completely taken aback because everywhere you go shopping nowadays has the " TAP TO PAY '' feature and whenever I have used that feature they cashier has never asked me for my ID or to provide any information that the card I am using for tap and pay belongs to me or not. I then asked bank of America to reopen my claim and investigate further because these charges were 100 % fraud. On XX/XX/XXXX my claim yet again was denied for the same reason and was advised to make a police report which I did, I also provided the bank with the police number. I reopened my claim yet again and waited. On XX/XX/XXXX after 6 months of trying to have this resolved my claim was denied and closed for the same reasons I stated above. When I asked the rep to reopen it she let me know that they can not reopen my claim since they had already done so 3 total times and for me to contact the stores directly for any further assistance with this fraud claim. I called all stores and was given no help and or told that I would have to contact my bank. I asked each store if they could provide me with the security footage from the time of the purchases but each store denied my request. 

XX/XX/XXXXXXXX XXXX XXXX XXXX CA {$71.00} XX/XX/XXXX XXXX XXXX XXXX CA {$150.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  CA {$8.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA {$350.00} TOTAL PURCHASES {$580.00}
Product: Student loan

Hello. I requested to be refunded {$10000.00} on my loan balance that I paid during XXXX. This was done 3 months ago. They should of already reimbursed me or have some kind of update which they dont.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and transunion hace derogatory listed on my profile.i am disputng those derogatory posted.
Product: Credit card or prepaid card

I have a XXXX XXXX, and did a balance transfer from My Goldman sachs-Apple Card, for XXXX dollars, i checked with XXXX, and they said they sent a check which actually they did a wire transfer, Goldman sachs has never credited that to my account, which i did close because of this mess, XXXX gave the electronic tracking number and said goldman sachs XXXXapple XXXX it, I talked to Goldman and they said they didnt allow balance transfers on apple card and would return the money to XXXX, I talked to XXXX  and they sent me about XXXX dollars to pay off account, they sent it to my credit union and then i paid off Goldman Sachs, XXXXapple XXXX XXXX is now charging me for both transfers, Goldman Sachs -Apple needs to credit XXXX for XXXX XXXX, XXXX  said that Goldman refuses to talk to them because they are a third party, i have talked numerous times with Goldman and gotten nowhere, XXXX did respond to CFPB so case was closed, Goldman Sachs XXXXApple card did not so the original case against XXXX and Goldman Sachs should not of been closed XXXX the original case is XXXX, please get Goldman to refund the XXXX back to XXXX, as i am out that money and having to pay it to XXXX, i dont believe Goldman Sachs Apple card was ever notified, and they wont cooperate with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus.

Below are fraudulently unauthorized inquires on my report : Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX   Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Account # : XXXX Date Open:XX/XX/XXXX Balance : {$200.00}, {$98.00} & {$83.00} Account # : XXXX Date Open:XX/XX/XXXX Balance : {$260.00} Company : XXXX XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$500.00} Company : XXXX XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$500.00} Company : XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$100.00} and {$700.00} Company : XXXX XXXX XXXX XXXX   Account # : XXXX Date Open : XX/XX/XXXX Balance : XXXX Company : XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$180.00} and {$250.00}
Product: Checking or savings account

Starting XX/XX/21 we were notified by USAA that a check for about 45,000 was available for use in an account that has not been used in 5 years. Upon investigation we noticed that USAA accepted a check with no signature that was obviously fake. We asked for this to be removed and our account shut down. We were assured that our account could not be accessed, but we can not close the account until the investigation is over. We called today and after waiting 3 hours to notify them that there were multiple bill payments set up today by someone else, we were again assured no one could access our account. Our account now has over 20,000 dollars taken out. They continue to allow payments to be taken out though we told them they are fraudulent.
Product: Credit card

I mailed a check for my monthly Discover credit card payment on the day the bill arrived ( i.e. in plenty of time to reach Discover before the due date ). Because I am carrying a balance on the card, I am particularly meticulous about paying on time since they have the right to hike up the interest rate if the payment is late. I recall making the payment, and my checkbook contains an entry for the payment and a carbon copy of the check made out to Discover. 
Discover claims they never received my payment ( according to a letter they mailed me ). They billed me {$27.00} for late payment, and might increase my interest rate from the current 4.99 % to 17.99 % ( I have not received any notification of an interest rate change yet ). 
I have a 20 year history of *never* being late making a mortgage payment, or payment on either of my XXXX credit cards. 
The dollar amount of this complaint is so tiny that I am not asking you to spend any time trying to recover it - you have real crime to fight ; - ). However, I am wondering if Discover plays this game routinely ( pretending to lose payments ) so that they can charge fees and increase interest rates? I want you to know of my experience in case I am just one of many people experiencing the same issue with Discover. 

I also noticed in the complaint database ( thank you for the database! ) that other Discover card holders have been offered cash back on their Discover card if they sign up, only to find that when they are about to qualify for some cash back, the offer is rescinded. I had exactly this experience 20 years ago when I signed up for my Discover card. Because of this, I never used the card until just recently. I only used it about four months ago, and already I feel I am being scammed once again by Discover. 

Finally, I am now paying Discover electronically, and verifying each payment via a phone call to Discover immediately after making the payment. 

Thank you, and keep up the great work!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th 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 an alleged fraud or extortion. 
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
Product: Credit reporting or other personal consumer reports

Delete missed or late payments during this time frame XXXX XXXX XX/XX/year> and forward for late payments. Requested for late payments to be removed XXXX XXXX XXXX  XXXX XX/XX/year> account closed relating to late payments, requested to be removed, XXXX XXXX XXXX XXXX open XXXX XXXX closed relating to closed account with late payments requested to be removed by letter XXXX XXXX
Product: Mortgage

Lakeview Loan Servicing In XXXX, after dealing with them since XXXX, stated that they would not sign a security interest document ( I did not need a partial release ) until one year of payment citing " guidelines '' ( after they agreed to sign this document several times, passing me to several different departments and citing excuses ranging from lost notary stamp, manager not in, needing my trust, etc etc ) in order to get my one parcel split into 3. 

I then paid off my loan, in full, on XX/XX/XXXX. They have acknowledge the payment, I have received a letter saying it was paid, received my refund for overpayment, but have not received the reconveyence ( Lien release ). Each time I call, a manger gives me a different time frame. I have called at least once a week since XX/XX/XXXX. I was told 2 weeks, 45 days, that it was mailed XX/XX/XXXX, then mailed XX/XX/XXXX. Now I'm being told that to process the lien release will take up to 120 days. 

At this point, my map expires XX/XX/XXXX. Due to the 9 months of inaccurate info, I will not only have damages in excess of 10K for the map, but also two cancelled escrow in excessive of 300k as well as the penalty of taking the money out of retirement to pay off the home. I was originally told that once I paid the home off, I would get the release in 2 weeks. The inaccurate information they are giving clients is atrocious. 

I have emails and have logged the dates of my calls if further info is needed.
Product: Credit reporting or other personal consumer reports

I tried to fixed this issue for several times but still reflect in my report please delete this account now or else i will file a case. Please delete this account now. Here 's the list XXXX XXXXXXXX VIA DEALER Inquiry : 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 Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account has written /Charged off and on credit Reports it is showing Late Payments/Missed Payments on Credit Report..it is unlawful to write off and still report
Product: Credit card

On XX/XX/23, I called Capital One to confirm that my Global Entry application fee of {$100.00} will be refunded to me AS PART OF A CARD MEMBER BENEFIT. 

I was told by the representative a rebate of {$100.00} will be credited after a few business days. 

As of XX/XX/23, Capital One did not issue the rebate. 

I called Capital One on XX/XX/23 and spoke with XXXX at XXXX XXXX 
XXXX transferred me to her Supervisor XXXX at XXXXXXXX XXXX 

XXXX said {$100.00} would be refunded in 24 hours. 

As of XX/XX/23, Capital One has not refunded {$100.00} to my account. 

Capital One claims the representative originally gave me the wrong information. Even if that is so, I should not be losing money due to their error. If not for this misrepresentation, I would have used any of my other cards that provide a rebate for the Global Entry Fee. 

If that was not enough, even their Supervisor XXXX, is engaging in falsehoods by promising a refund but not processing it. 

All of the above can easily be verified by reviewing a recording of the calls I made to Capital One on the above dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  XXXX XXXX and Transunion on numerous occasions since XXXX of XXXX  concerning the fraudulent attempt to obtain credit in my name to no avail. 

XXXX  XXXX XXXX acknowledged the reported fraud but did nothing to assist with having the related inquiry removed from my report. 

Transunion is demanding that I receive a letter from XXXX  XXXX XXXX supporting my claim which I have done several times to no avail. 

Transunion is refusing to investigate my claim in accordance with FCRA. 

Fraudulent inquiries XXXX  XXXX XXXX - XX/XX/2022 XXXX  XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I had a legal name change and removed my middle name XXXX XXXX. Experian, XXXX, XXXX are still reporting the old information