23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a 36month lease with XXXX XXXX. The account was on auto paid and paid on time for 30 months. On month XXXX, for a reason unknown to me, the auto pay date started to kick inn 1 day after the due date, creating late fees. At no time XXXX contacted me by either mail, email or phone to advice that there were late fees accruing on my account. 
I had reach them to get them to remove the charges to no avail, simply because I did not lease a new XXXX vehicle as I had in the past. 
I have sent proof of auto payment to all credit agencies, XXXX, XXXX  & experian, but XXXX XXXX  replies to them every time that the late payment fees are due. 

attached proof of the last payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$8200.00} XXXX XXXX XXXXXXXX Balance XXXX {$34000.00} XXXX XXXX Balance : {$950.00} XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX XXXX Balance : {$33000.00} XXXX XXXX XXXX : {$1000.00} XXXX XXXX Balance : {$8000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$34000.00}
Product: Checking or savings account

On XX/XX/XXXX ( last Saturday  ) I received a message from Goldman Sachs Maucus Bank stated that an external bank, XXXX XXXX, was linked to my saving ( 3 ) accounts at Maucus and also attempting to transfer XXXX from my saving accounts. I went into my accounts and found that XXXX XXXX  was linked to my Maucus bank saving accounts, I have no any relationship with XXXX XXXX  and never authorized such linkage. I canceled the transfre and removed XXXX XXXX  from my " external linked accounts '' at Maucus online banking website. I called the Maucus right away ( three times ), all I was told that I have to call back during the regular business hours. 

I called again on Monday ( XX/XX/XXXX ) and reported the incident to Maucus 's tech support and being transferred to another " Specialist '' who opened three new saving accounts and I transferred all funds from the existing accounts to the new accounts.

However, the next day, Maucus blocked all my access to my accounts, I called a number of times, I was told someone " will call me back in two hours '' to help me unlock the accounts, no one called me back and I got the same answer whenever I calls. 

On Wednesday I asked the bank to closed all my accounts and send back the funds to my accounts with XXXX  XXXX XXXX where all the deposits were made from. However I spent over 6 hours and spoke with over a dozen of " specialist, '' the calls were constantly being interrupt and the bank also block my cell number and email, hence I could not get any identity verification code the bank required to close my accounts. Until XXXX the last " specialist '' told me all my accounts have been closed. 

On Thursday, the bank left a message in the morning and asked me call the bank. When I called, the same story, they told me they won't close my accounts and all funds were subjected a further review which will take 5 to 7 business days. I tried to speak to different specialists, after 3 hours, one of the specialist ( supervisor level ) helped me went through the whole process again and she was able to identified my identity on phone ( called me three times, one call to close each account ) and told me there won ; t be any issue and I should receive all fund back to my deposit account with XXXX  XXXX. Again one Thursday night two person from Maucus call me again and said he/she wanted to identify my identity again This is horrified and so frustrating, Maucus does not protect its customers, when incident occurred with their security system, they just blocked my account instead of finding what its the root cause. 

Goldman Sachs Maucus Bank is poorly managed by a group irresponsible " specialists '' only a few are reasonable, most of them don't know how to respect customers and do their job. This security system of the bank is totally broken, how can the bank allow a third part bank linked to my account without my knowledge and authorization? As yesterday ( XX/XX/XXXX ), they still kept XXXX XXXX  on my accounts.
Product: Credit card or prepaid card

I would like to write this complaint so that other folks out there are very aware of what this Bank is doing so wrong so they can stop doing it and get it together. Recently without previous notice, I got all my account frozen with Bank of America. Not only that but the worst thing is that I realized when I was going to put gas before Hurricane Irma hit my state of Florida. I could n't believe this Bank can do something like this. I went straight to one of their branches on XXXX XXXX, 2017 and they blame it on the fact that I changed my immigration status. I summited all the documentation they required and still today XX/XX/XXXX I have my accounts frozen. Not only that, but some of their local branches are closed as well.Also, I have XXXX XXXX and I realized that they for some reason pulled up my credit score when I have been with them for 6 years, this caused my credit score to drop. But to top it off after 5 days and after the hurricane passed I am still with my accounts frozen, so get it together Bank of America. And for the people reading this BE AWARE I did n't believe what the mega Munsters Banks could do but I am going through the hustle now and it 's not fun. The bank should be here to serve us better and not make us go through situations like this one.
Product: Credit reporting or other personal consumer reports

I disputed fraudulent accounts and inaccurate payment statuses on my TransUnion credit report, supported by an FTC Identity Theft Report and a CFPB complaint. TransUnion failed to resolve the following disputes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, closed and paid accounts like XXXX XXXX XXXX XXXX XXXX  are inaccurately marked as " Late 30 Days, '' directly violating FCRA Section 623. This demonstrates a pattern of inadequate investigations consistent with findings in the CFPBs lawsuit against XXXX.
Product: Debt collection

On XX/XX/XXXX an account was sold to Portfolio Recovery Association, LLC. An account that I didnt know it ever existed. Until I was inquiring for a house. It had dropped my credit score XXXX points. I tried disputing multiple times about this collection. That it was an unauthorized transaction. I have a great track record of paying all my bills on time. This collection that I didnt do is dragging my credit score down. I did not receive any rights to dispute. Until recently they have sent me an email containing their evidence. They sent me a rights to dispute on XX/XX/XXXX, but to the wrong address! Thats why I didnt even know I had collections. They sent this rights to dispute to XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Colorado XXXX, on XX/XX/XXXX. I have been living in XXXXXXXX XXXX XXXX XXXX XXXX Colorado XXXX since XX/XX/XXXX. Due to Failure to verify my right address has caused my credit score to suffer.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report pursuant to XXXX U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of identity theft resulting from a recent data breach. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I disputed the XXXX XXXXXXXX account beginning in XXXX 35 days ago with Experian, XXXX, and XXXX claiming that I was unaware of who established this credit account and for them to send me the original contract and the method they used to validate this account. NO RESPONSE AS TO HOW WAS THIS ITEM VERIFIED TO END UP ON MY CREDIT REPORT! On yesterday an unknown person delivered mail from a residence I have no knowlede of and is listed on the XXXX XXXX document provided. I did not create this account nor is the address connected to this mine. Im also seeing where XXXX XXXX states they have sold the debt to another company so Im sure credit bureaus are not properly validating this fraudulent account!! I am requesting that this formal complaint be accepted as evidence for my claim and the removal of this account in question. This has caused me severe emotional and financial stress. Please remove this item from my report immediately to avoid escalating to legal matters.
Product: Checking or savings account

I currently bank with PNC. I have deposited checks, the check may not clear immediately but it will be pending and certain funds will be made immediately available. My account went into overdrawn status on XX/XX/XXXX. I deposited a check of {$150.00} and XXXX {$75.00} before the XXXXXXXX XXXX cut off. According to their policy, if I do not bring my account to XXXX  then I willl be assessed an overdraft fee. I was able to do so. It reflected in my account. However I was still charged not one over draft fee but two. I deposit a check of {$5500.00} I withdraw from my retirement trust since I was recently laid off and in need of the funds. They place a 7 day hold on the check and proceed to charge overdraft fees as they decide to hold the funds. Their practice seems very unethical and needs to be looked at.
Product: Mortgage

I have been with XXXX they sold me to FAY servicing who in turn skyrocketed my mortgage almost doubled with warning. After some research I found that XXXX had me umbrella under a 2nd company who is now reporting that I missed from XX/XX/XXXX to XX/XX/XXXX. This is not true and i have the bank records to show from XXXX XXXX XXXX XXXX where i pay from my account. I am truly in a bind at this moment and Fay servicing has a very very bad reputation for swindling people out of their money and hundreds of lawsuits pending at this time. I am a XXXXXXXX XXXX XXXX XXXX has worked extremely hard to maintain a simple life and pay my mortgage like i am suppose to. This situation is more than I can handle. 

On my credit report XXXX is showing they have me from XX/XX/XXXX to XX/XX/XXXX but XXXX says they have me from XX/XX/XXXX to XX/XX/XXXX for 360 month term somewhere it changed to 432 months without my knowledge and Fay servicing shows up long before i ever knew they were in the picture. Also in XXXX there is a 8 months span where they report me as not paying this is so confusing please help me before i lose my mind.
Product: Credit card or prepaid card

My XXXX XXXX was the first to pass away due to XXXX XXXX in XX/XX/XXXX, same month I gave up my career to help support my family needs. I struggled very hard to pay at least the minimum monthly requirement to keep my payment history in good standards with NFCU. But I my credit card still closed an cost a major impact to my credit score. Now Im plan to obtain a mortgage loan to provide a roof over my kids head is at stakes. Also Later this following year My XXXX XXXX an my XXXX XXXX tested XXXX XXXX XXXX in XX/XX/XXXX, another late payment to my credit card. We lost our XXXX in XXXX of XXXX an my XXXX  was born in XXXX of XXXX was tested XXXX XXXX XXXX Therefore l XX/XX/XXXX due to XXXX I lost my job an love ones, so Im asking you to remove all negatives on my Credit Bureaus
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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Product: Debt collection

I am trying to clean up my credit report. I have one company XXXX XXXX that has 4 accounts on my credit report. I pay them every month but they continue to hit my credit report negatively every month. This week I have starting trying to pay the smaller amounts. I have asked them everyday this week to send me a letter of for one account stating that when I pay the small balance ( {$50.00} ) it would be deleted from my credit report. I have made phone to this company every day this week asking for this letter. I did receive a letter today but it had all three of my accounts on it and the total amount had to be paid within 24 hours. I am not able to pay all three accounts in 24 hours so this letter will be voided. I have never before had to beg someone to collect money from me. Please help me get this cleared up. I would really like to get three of my four account cleaned up. 
Thanks
Product: Credit card or prepaid card

MY CARD AND CARD INFORMATION WAS STOLEN AND I HAD MY SOCIAL SECURITY DEPOSIT ON THAT ACCOUNT I NEED MY MONEY TO BUY MY MEDS I HAVE STAGE XXXX XXXX AND IS XXXX. I CALLED AND EMAIL THE COMPANY ABOUT THESE CHARGES THAT I DID NOT MAKE I WANT MY MONEY BACK IT WAS FRAUD AND I DID NOT MAKE ANY OF THE CHARGES
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act... 
XXXXXXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX Has violated my rights. 15 U.S.C 1681 Section 602A : States I have the right to Privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting

I disputed a late payment from XX/XX/XXXX with XXXX on Trans Union. I provided documentation showing where the error was on their part. XXXX had agree to remove the late pay on their system based on this documentation. Trans Union did not remove it on my file. This is NOT MY ERROR. If the lender agreed to remove it, why did Trans Union leave it on my file after the dispute?
Product: Checking or savings account

After my account was opened through a direct bank to bank sign on with my XXXX, XXXX, account and money was transferred, I went into my account, and tried to add additional accounts so that I could transfer money back and forth. BMO auto froze my account and requested bank statements from all the other accounts, my drivers license, and my Social Security number. I was uncomfortable and felt it might be fraud, so I declined to provide, they told me their fraud department would review and get back to me in 30 to 60 days. I have contacted them numerous times and their fraud department told me I did not provide the information they requested within 30 days so they are keeping my {$5000.00} as they deem me fraudulent. I have told them that it was not explain to me correctly and I thought they would just return the money so they are not paying me any interest since XXXX and refused to return the money. They told me that the only way I can get my money back is for Ally bank to request the money back, however, after numerous attempts, XXXX XXXX  has told me that I approved the transfer to BMO alto and they are not able to get the funds back as BMO has declined. I would be happy to provide the information they are requesting in a secure manner however, neither their customer service nor the fraud department will work with me. I am not a fraud and they have taken {$5000.00} from me, let alone the interest that I should be making over the last three months. Had I read the poor reports about BMO alto practices, customer service and fraud depts I would not have opened an account with them.
Product: Vehicle loan or lease

On XX/XX/XXXX, I leased a XXXX XXXX from XXXX XXXX XXXX, a local dealership. On XX/XX/XXXX, I was rear-ended by a third party driver. I always had maintained insurance required by the lease with XXXX, but a claim with XXXX was not necessary as the other driver and its insurance company XXXX admitted 100 % fault and agreed to pay for the damages. 

I soon called Hyundai Capital America ( dba Hyundai Motor Finance or HMF ) to report the accident and to assist HMF with making a claim with XXXX The HMF representative told me that HMF will take care of everything and that I would not need to do anything. I soon drove the car to a local body shop approved by XXXX to get the car repaired, but XXXX declared the vehicle a total loss. XXXX adjuster subsequently told me that HMF and XXXX had settled for the full payment of the vehicle and that the matter was closed. 

In late XXXX, XXXX, I received a surprising demand/collection letter, dated XX/XX/XXXX, from HMF ( attached ) stating that I owed HMF {$970.00} for prior damage/condition adjustment of the vehicle. HMF falsely claimed that there was an insurance deficiency of {$970.00} for condition adjustment, even though the lease agreement does not require for such payment by the lessee. HNFs claim is also flawed as it decided to deal directly with XXXX and exclude me from the settlement process. When I called HMF on XX/XX/XXXX to ask for a copy of the settlement agreement between HMF and XXXX, HMF refused to provide a copy. I had to call XXXX to obtain a copy of the settlement agreement ( see attached ). 

Section 25A of the lease agreement ( see attached ) states that the lease is terminated in the event of a Total Loss, and that the lessee would owe the Total Loss Early Termination Charge outlined in Section 22C. Section 25B states that if the lessee maintained the insurance required by the lease, HMF would waive the Total Loss Early Termination Charge, when HMF receives the insurance proceeds for the vehicles actual cash value. 

There is no dispute that the there was a Total Loss or that I maintained the insurance required by the lease. The only dispute raised by HMF is that I owed {$970.00} to HMF for condition adjustment. XXXX stated in its settlement summary with HMF that the amount of wear and tear/damage is consistent with its age. In HMFs settlement letter to XXXX dated XX/XX/XXXX, HMF agreed to an insurance payment of {$17000.00} from XXXX as the full proceeds of the insurance policy covering said vehicle. In the settlement summary between HMF and XXXX, the Actual Cash Value for the vehicle was shown as {$17000.00}, which HMF accepted as full proceeds of the insurance policy covering said vehicle.

In many calls with HMF, I explained that I do not owe {$970.00} to HMF. HMF refused to listen and HMF has recently placed a negative credit information on my credit report with the major credit reporting agencies. I have always paid my lease payments on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX ( XX/XX/2022 ) This inquiry should have been removed a couple months ago. It is unauthorized and does not belong on my credit file. 

I have previously tried to contact the EQUIFAX credit bureau about this issue previously.
Product: Credit card or prepaid card

I have had this credit card since 2008. For years I struggled financially to make my payments in full. Last month I genuinely forgot to make a payment of {$100.00}, and since I did not pay my balance in full I incurred a {$57.00} charge on interest. This credit card company charges you interest based on the amount of purchases you had in the month. I called to ask if they could waive the fee since it was an error on my end and I have never in the 12 years of having this card asked for an exception. They were very unwilling to help, they placed me on hold on for about 20 minutes trying to locate a supervisor. I was  transferred to corporate. The lady ( did not write her name ) had no empathy and rapidly told me she can help me close my card since I shared with her that this card had no benefit to me due to the large increased interest charges. She did not care to listen to my request.
Product: Checking or savings account

I deposited a check for {$90.00} on XX/XX/22 into my checking account at Chase Bank that I've had for 3 years ( History with them is much longer but I tried XXXX XXXX for a while then switched back after divorce ). This check was signed over to me for work I did. 

I then deposited a check for {$600.00} on XX/XX/22. This check was written to me for work I did.

2 separate checks from 2 different people.

The {$90.00} came back as rejected then they said the signature was forged. Nothing to do with me as everything was already filled out when I got it. But of course I have to handle it on my end cause now I'm out {$90.00} and a flag on my account. 

The {$600.00} check clears and funds become available but they froze my account on XX/XX/22 while they investigate a little more on the other check. Chase Bank then decide on XX/XX/22 that they are going to close my account. Now I had transfered some money around so there was {$420.00} with a few leftover debits bringing it to {$370.00} and my other account was at {$400.00}. They have a 10 day waiting period in closed accounts. 

XX/XX/22 - They cut checks to send me my money that was cleared and ready for withdrawal with no other bank activity still pending. They cut 3 checks : 1. {$370.00} - My main account 2. {$220.00} - My other account I set up for my daughter ( XXXX XXXX XXXX XXXX ) 3. {$170.00} - Which was mailed to me and I received. 

The other 2 checks I never received and I called and called and went into the bank. I spent Hours & Hours on hold to be transferred again and again and nobody knows and they lie to me by each person telling me something different. I ask for names and they hang up after waiting over an hour on hold. I go in there again XX/XX/22 and they finally say that they've been trying to get a hold of the person who wrote the check for {$600.00}. I said, " Why, the check cleared. '' " Is He missing the money did He call about it? '' They say, " No. '' I reply, " That's right cause he's not missing the money. '' " Your mixing the {$90.00} check with this one when they have nothing to do with each other. '' They want me to get a hold of this person and bring them into the bank and show I.D . That's insane... .First I don't know him, I never met him. I did work through a connection and he handled all the business, I was just labor. Also, I had a falling out with that connection over the {$90.00} check so I have no way of contacting the person. Besides, I shouldn't even be asked to do that by a bank. They have an account with Him, it's a Chase Bank Account??? 

So they won't give me my money and I couldn't pay rent and I've spent probably 20+ hours dealing with this. Please help. 

Thank You, XXXX