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

This occurred on XX/XX/XXXX and the amount of XXXX I was working and I received a text message asking if I had made a charge on my debit card and I had just picked up lunch so I glanced at it and hit yes and then when I stopped the car and picked up my phone and saw that the amount was almost {$2500.00}. I am mediately typed no And then I typed know two more times and received a response from Chase saying they would cancel my card and start the investigation. Now they say because I typed yes that they are not going to refund my money and that I couldve been shopping online. They will not provide me with any information on the transaction. Other than it was charged in XXXX in XXXX. I can see that its for so-called real estate services which is a laugh. I dont travel. I am XXXX living on Social Security a very unusual charge. The same day that this happened. I went immediately to the bank and spoke to a lovely woman whoms card. I have attached. She said she could clearly see that this was fraud, called the fraud department, and they were extremely rude, and would refuse to provide me information about the claim, such as was it purchased online in person or over the phone. They did not have my pin number and were supposed to mail me documents about the claim and its been 15 days Ive received nothing. I filed a police report and Im taking it back to the woman at the bank that I spoke with now twice she has tried her best to get them to escalate it, and even the bank manager does not understand, because it is a blatant fraud.
Product: Payday loan, title loan, or personal loan

this is my second loan with speedy cash and things went well, until the last couple of months, my company changed pay roll dates. I reached out to speedycash to see if I could change my due date, because each week, I have to extend out my due date and get more accured interest. I have never missed a payment and ca n't help that my company made this change, unfortunately I am not at an executive level to help with decisions as such. All I want is a due date that corresponds with my new pay cycle. When I reached out to customer service, I was told it had to stay the same as was only original loan documents. I do n't understand why that ca n't be altered, and no one took the time to explain that, I just received a no answer. 
Thanks! 
XXXX
Product: Debt collection

15 U.S.C 1681 section602 A. It states I have tyhe rights to privacy and Accuracy. 15 U.S.C 1681 section 604 A section2 : it also states a consumer can not furnish account without my premission in written instructions. My rights have been violated! 15 U.S.C. 1692C States that without my prior approval of the consumer given directly to the Debt collector. a Debt collector can not communicate with in connection with this collection of any debt. This is not my account, I completely paid my accounts off and I never gave my written permission to furnish this account. 

XXXX ) Pentagon Federal CR UN : account # XXXX Delete this! 

XXXX ) XXXX XXXX  XXXX account # XXXXXXXX XXXX I have never been late on this account!
Product: Mortgage

we have been trying to re-finance a mortgage loan since XX/XX/2022. XXXX is the mortgage agency with the existing loan. we owed XXXX balance on the property, we entered the forberance program for delay payment for the covid 19 option for about 18 months, we still made payments on the account, we learned the Freedom Mortgage was the company we needed to go through to do a re-finance and a cash out. 1st time the Freedom underwriter person was not someone that i felt comfortable with, so we reached out to other lenders, but learned that Freedom was the company that represtented XXXX, so, we felt it would be easier to re-finance through Freedom due to they are the companies underwriter for XXXX, we had to do the whole loan again - so the refinance rate before was about 4.5, or 4.6 - now the rate is up to 5.5 or 5.6. however, I sent all the paperwork in as much as possible. last email i got was that the loan was denied do to incompleteness. i told the underwriter, we paid XXXX for the appraisal, and they are still charging us XXXX for the appraisal, XXXX XXXX XXXX has a 0 % interest rate, so we would loose money, and a few other accounts we had 0 % interest rates. i also informed them that i paid off XXXX XXXX [ XXXX ] sent them the bill, and told them that we signed documents to give them access to any accounts needed to complete the loan. this is the worse experience we have ever had concerning the loan, and the XXXX account shows paid off, and i dont see the mortgage on credit report, and i am beginning to think suspicous motives may be a factor. the loan has over XXXX worth of fees and closing costs, and no one will return my call. i am extremely worried about this, as i know they have a lot of fraud in the industry for mortgages. the property appraisal is XXXX we are only wanting XXXX mortage, I am XXXX XXXX XXXX and i informed them to speak to my son about any and everything concerning the loan. we have also been making payments throughout the covid 19 forbearance option for the time. the last few months, we have been making payments of about XXXX monthly. we also wanted to have the options that if i were to pass away, i wanted my son to be able to assume resposiblity of the loan. but they have not contacted him. i have included the documents of concern- credit history, emails between my son and freedom contact person. i was informed mortgage rate was locked in until XX/XX/2022 - my son tried to contact them over and over about the concerns, but no one will respond to the emails or phone calls. this is what makes me more concerned is that the info they were requesting was for credit card bills, to which i sent all they asked for with maybe exception of the updated pay off for XXXX XXXX which was XXXX and the XXXX XXXX bill that informed them that they would send me a paper statement in the mail.
Product: Credit reporting or other personal consumer reports

I have come across erroneous information in my credit report, which is covered by 15 USC 16c-2. This misinformation is adversely affecting my creditworthiness.
Product: Credit card or prepaid card

The Bank of America sent me a marketing flyer for its " cash rewards '' card. I signed up. I earned {$240.00} but the bank refuses to release the money to me. It now says that it had read to my the terms of the " cash rewards '' card on the telephone and claims it stated that it takes up to five ( 5 )  business days to give me the cash rewards. The bank, with all due respect, is lying. I was never told a thing on the telephone. This is yet an other example of bank deception and it is wrong! 

The branch manager in XXXX, New Jersey, XXXX XXXX  XXXX, remained me this morning that the bank had told me this on the telephone. I emailed her that this is a lie!
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information and Unlawful Actions by XXXX XXXX  XX/XX/XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX  regarding their persistent reporting of inaccurate information on my credit report and illegal activity with my XXXX XXXX  account # XXXX. Despite having previously disputed these inaccuracies with XXXX XXXX  directly, as acknowledged in their email dated XX/XX/XXXX, the errors persist, and the bank has engaged in additional unlawful activities. 

On reviewing my account statements for XXXX and XX/XX/XXXX, I discovered that XXXX XXXX  has erased these statements from my account, a clear violation of my rights and illegal under the Fair Credit Reporting Act ( FCRA ). This obstructs my ability to monitor my financial transactions and is unacceptable. 

Moreover, XXXX XXXX  is reporting a XXXX missed payment in XXXX and a XXXX missed payment in XXXX, both of which are inaccuracies. I have evidence of a payment of {$2100.00} made in XXXX and {$370.00} made in XXXX. It is clear that XXXX XXXX  has failed to update their records accurately and is misrepresenting my payment history. 

Furthermore, XXXX XXXX  erroneously charged off my account in XX/XX/XXXX, even though payments were being made. According to the law, a charge-off can only occur after XXXX days of non-payment. XXXX XXXX XXXX premature charge-off is not only a violation of my rights but also indicative of their disregard for legal and ethical standards. 

In light of these egregious actions, I am including evidence of these illegal transactions and demand compensation of {$1000.00} for each illegal transaction committed. I also insist that XXXX XXXX  rectify the inaccurate reporting on my credit report, updating the account to " paid as agreed in full with no late payments. '' If XXXX XXXX  is unable to correct this information, I request the immediate removal of the account from my credit report. 

I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and take appropriate action against XXXX XXXX  for their violations. I appreciate your prompt attention to this issue and look forward to a resolution that upholds consumer rights. 

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

On XX/XX/2019 at XXXX XXXX, I mailed off to " XXXX  '' ; FTC Report, Police Report, Credit Report & a letter stating the fraudulent accounts that was reporting on my credit report. " XXXX XXXX XXXX  '' {$1800.00} account as of XX/XX/2019, is still reporting and has not been removed from my credit.
Product: Checking or savings account

account. 
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account Transaction 's
Product: Prepaid card

On XXXX XXXX, 2015 my American Express Bluebird prepaid card was locked and suspended, citing violation of member agreement section XXXX, with {$540.00} in deposits still in the account. After repeated calls to request my deposits be returned, AmericanExpress phone agents tell me the deposits can not be released until an investigation closes. They tell me that there is no knowledge of when this may conclude. I have waited more than 60 days for the funds. It seems that they may hold my deposited funds indefinitely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan with XXXX XXXX i just made a payment of XXXX XX/XX/2020 when transunion updated today XX/XX/XXXX it shows an increased balance of {$350.00} bringing the loan balance up to XXXX dropping my credit score 12 points. I contacted XXXX XXXX  they agree that the correct balance should be XXXX and they never reported an increase. I have proof of all this. A payoff statement with the correct price and a saved conversation with XXXX XXXX. This is not the first time transunion has reported false information and blamed the creditor. Im getting sick of this and i am ready to take legal action against them if they have no plans to fix my score and correct the information they reported. This time i have the proof that transunion is XXXX  people by reporting false information. If this can not be resolved i will take legal action.
Product: Checking or savings account

XXXX21 sent e-mail to XXXX XXXX XXXX, Assistant Vice President, Branch Manager at First Midwest Bank as a follow-up to a visit with my Daughter a couple days earlier to add her to my checking account as a " signer only '' because of my Essential XXXX My account is titled in my Living Trust and I was told that the only way this could be done was for me to amend my Trust and make her a Co-Trustee. I told her I did not want to do this and did not understand why because my daughter was able to sign in this capacity with 3 prior banks where I had accounts. I was told she had nothing to do with those banks but she had talked to her Legal Office and this is what is required. In this same e-mail I asked her to clarify for me if her answer was based on information in my Living Trust ; First Midwest Bank Policy ; or State or Federal Regulations. Whichever one is correct may I have a copy. As of today XXXX21 I have not received any form of communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian website and phone service doesn't work. 

On Website : I tried to create and account and got an error. The system did not tell me why there was an error. I was unable to proceed. 

Calling on phone : I was able to easily freeze my credit file. 
Calling on phone : I called back to un-freeze my account. The system told me I needed a " PIN ''. I did not receive a pin when I froze my credit file. There was a voice prompt asking me : " Do you want your confirmation number? ". Maybe this is my pin? There was no indication on the voice prompt that I needed this confirmation number to unfreeze my credit report. 

Website : I though maybe I had already created an account. So, I chose the " find account username option ''. I put in my email and requested the process to find my username. NOTHING CAME TO MY EMAIL. 

On Phone : I called in to speak with someone, but it was EXTREMELY Difficult to get a live person on the phone. Everytime I chose an option, the phone system kept directing me to the website or a mailing option. It said, " we know you want to speak with a person, but you need to tell us why ( basically ). '' Then, when I chose the option " reset account '' or " find PIN '' it directed me to the website or a process on the phone. NOT A PERSON. 

On Phone : I chose the option " Member services '' and, lo and behold, I got someone. I presume this is because this can be a PAID SERVICE. The person I spoke with needed to identify my identity. 

Verifying my identiy : XXXX of the identify questions was : What is XXXX of your license plate numbers. I don't know if this is a legitimate part of the verification or not. If it is, it is a rediculous question. We have XXXX cars and none of them are with me now at my desk. Also, a license plate number is nowhere part of a credit profile and should not be a question regarding credit verification. 

I was able to get through my verification process and the agent says they sent me an email to reset my password. It has not arrived yet. Hopefully, it will. We'll see.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a copy of a report that indicated I had an outstanding debt to an apartment complex ( creditor ) for approximately {$4100.00}. The " debt '' was purchased by Phoenix Recovery Group XXXX XXXX XXXX, TX XXXX. This is not my debt. Please note that I was a victim of both XXXX! and XXXX  data breeches ( confirmed ). Also I have had a vehicle broken into and personal documents stolen. 

When I contacted the collection agency ( Phoenix Recovery Group ), I informed them that the account was not mine and requested all documents related to the debt including proof of assignment. Phoenix Recovery 's response was for me to provide government ID establishing " who '' I was and utility bills, check stubs, etc., establishing my address. That information was provided. The document that was received was a single sheet copy of a rental agreement bearing ( a variation of ) my name and nothing more.

I have attempted to reach out to them several times but to no avail.
Product: Debt collection

I had an auto payment set up through my bank account. 
I closed my account, and tried to set up payment with a new account a few days past XXXX payment due date only to find out I have a block on my account, which makes me unable to set up a new payment account, unless I go through their phone call system with a charge of around {$7.00}. 

I am also blocked from speaking to any customer service to explain the situation and find solution. 
The only option is to incur additional fees for three months even though I am fully able to make timely payments NOW if it were not for their system. 

I feel this is a very unfair business practice. Why should I be punished for three months with penalties/additional costs for a single month transactional error?
Product: Credit reporting or other personal consumer reports

This CFPB has been filed to request pursuant to FCRA & 605B ( 15 U.S.C. & 1681 c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit XXXX  XXXX account opened XXXX XXXX XXXXXX/XX/XXXX, and XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX account opened XX/XX/XXXXXXXX XXXX XXXX XXXX and opened account XXXX  XX/XX/XXXX account opened XXXX XXXX XXXX XX/XX/XXXX and account XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent report. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX is XXXX year date when the New State Statute that antedates of a paid account can not reported on my credit report. All XXXX XXXX personal confirmed that they can not continue to report a paid charge beyond the first date of delinquency that was XXXX XXXX to XX/XX/XXXX XXXX year anniversary. I paid the full balance that resulted in a XXXX balance in accordance to New York State section 380 New York State law ( 380 j ( f ) ( 1 ) ( iv ) XXXXXXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX - Fair Credit Reporting Act380-J - Prohibited Information. ( iv ) accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years ;
Product: Debt collection

Synovus bank will not release the lien on my home. I have tried to get a refinance to have a new, much needed, septic system installed. Synovus is blocking the process and they say they have the right to keep the lien on my home even though I have been released of the debt when they accepted my settlement offer on XX/XX/2016 in the XXXX XXXX of XXXX XXXX Florida. Case # XXXX. They settled with me then went after my ex-husband and his properties. My ex-husband is currently paying them a monthly payment and they have liens and suits against him for this debt. 
I am on XXXX XXXX XXXX XXXX XXXX and work part time. A septic system is about XXXX in this area. My current septic is very old and is no longer working properly. 
I have a lot of equity and its my only option in paying for a new system. Synovus needs to release my lien and be happy with the liens and suits they have as collateral from my ex-husband.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX {$18000.00} DEPTEDXXXX XXXX {$2200.00} DPTEDXXXX XXXX {$3000.00} XXXX XXXX {$750.00} DEPTEDXXXX XXXX {$4500.00} DEPTEDXXXX XXXX {$6000.00} DEPTEDXXXX XXXX {$3500.00} XXXX XXXX {$5500.00} XXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$5500.00} XXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$2000.00} DPTEDXXXX XXXX {$2000.00} DEPTEDXXXX XXXX {$2100.00} DEPTEDXXXX XXXX {$1500.00}
Product: Debt collection

I have paid this student loan in full. It should not be on my report. please help me remove this.it is hindering my credit growth.
Product: Credit reporting

The creditor XXXX XXXX of XXXX XXXX is reporting to my credit as an inquiry. I have spoken with XXXX the finance manager at XXXX. I also spoke with XXXX, she is a XXXX representative in special handling. I have written XXXX approximately three times regarding the same issue. XXXX expressed that he does not have me in their system at all. However, XXXX is telling me that I need a Letter of Deletion from the very creditor who has expressed that they need a letter from XXXX. Meanwhile, my credit standing hangs in the balance. I simply want the inquiry removed. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX  on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information on my personal profile, I noticed that these were Charge off accounts on my credit report. I was a casualty of savage wrongdoing. I'm not liable for these accounts, no police report or fraud affidavit is possible and no information or document is in my possession. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. A copy of my Bank Statement, Drivers License, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. The following inaccurate names : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXXXXXX XXXX XXXXPlease verify the following incorrect names. I think there XXXX be an error, please remove as per FCRA 605B, also inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NY XXXXThis isn't my home address. Per Fair Credit Reporting Act Section 605B you are required to remove the undistinguished address on my credit report. These accounts included in the dispute are : JPMCB CARD XXXX JPMCB CARD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 XXXXXXXX have 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.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish 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.