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

From XX/XX/2017 to XX/XX/2017, I worked for a company and started a High Deductible Health Plan which included an HSA managed by BB & T Bank. I received a card in the mail and made contributions through my paycheck. I switched jobs and moved to another company, and thus switched insurance plans and was no longer contributing to the HSA account. 

By the time I left the job, I had the card but did not have documentation on setting up an online account. I also was sent a letter informing me that there would be a maintenance fee for inactivity because I wouldn't be contributing. 

To close and roll the funds over to my current HSA, I need information such as the full account number, HSA custodian name and address so the current HSA can coordinate the funds transfer. 

In XX/XX/2017, I called the number on the back of my HSA debit card ( XXXX ). They tried to locate the info, and with no luck, and after some time, I was told to call a different number ( XXXX ). I called that number, and they tried to locate the info, and with no luck, suggested I call a different number, which was the first number I called on the back of my debit card. Basically I was being referred in a circle. 

In XX/XX/2017, I went to a BB & T branch, hoping my physical presence would help get the info. A helpful employee tried to look up in their systems with no luck, and then tried calling the same two numbers I had called myself, with each referring to the other. While this was humorous, it did not bring me closure to getting my money back. 

I don't know what else to do to get the information to close this account and transfer the funds to my current HSA. I fear that a substantial amount of money is now gone due to those maintenance fees when I attempted to close the account multiple times some time ago. 

The inability to access this info prevented me from closing the account and likely has resulted in maintenance fees being charged to the account.
Product: Credit reporting or other personal consumer reports

Complain # XXXX Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are arroneus. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX and XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : 1. XXXX XXXX XXXX XXXX  YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.

SEE PICTURES UPLOADED
Product: Debt collection

I havent been contacted regarding the debt, and I didnt know I had an account in collections until a couple months ago. I have been disputing the debt and trying to contact Hunter Warfield since then. The company has not verified the debt for me or been in contact with me regarding the debt. I tried to get ahold of the original creditor and they refused to communicate with me, and said to speak with the collections company. The collections company has incorrect dates as well, the debt is dated from XXXX of XXXX, but I was on the other side of the country at that time. The amount owed is incorrect as well, the original creditor had assured us there would be no financial charges according to our rights under state law. However, they will not speak with me since this conversation in XXXX of XXXX. The amount has also been increasing despite zero contact from them or proof of debt. Hunter Warfield did not provide any contact information or way to reach them until my denied dispute, and still will not confirm the debt for me. I do not think they are investigating proof of debt, and I am concerned by the lack of communication.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I was scammed when buying a purse from someone on XXXX. The person told me if we can do the transaction through XXXX which was secure. And her bank chase had it. She said nothing to worry about youre money back is guaranteed. And everything was all a scam never got anything try calling back the person the number was disconnected. My bank also Chase couldnt help since they said the transaction was authorized. It is very frustrating! I just lost {$470.00}. I also went to the police department and file a report. And the reason why I knew it was a total scam was because the person had re-posted the bag for sale the next day Saturday.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern : After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete these erroneous items IMMEDIATELY and send me an updated copy of my credit report, thank you. 
XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Mortgage

I refinanced my existing mortgage with Wells Fargo, choosing to keep my mortgage with Wells Fargo. My loan officer and mortgage processor, XXXX XXXX, were excellent and very responsive. The problems began with my Mortgage Closer, XXXX XXXX. Although she called and originally said she scheduled me to close on XXXX XXXX, no one showed to my home appointment. I emailed my mortgage processor whom contacted XXXX 's supervisor. He called on XXXX XXXX about XXXX AZ time and said he would follow up but I never received a call back. XXXX XXXX, finally contacted me on Monday, XXXX XXXX and said she didn't know what happened with the previous appointment but she rescheduled my appointment to close for the next day, Tues. XX/XX/XXXX. She asked me to review my updated Closing Disclosure ( CD ) form by XXXX XXXX on the Wells Fargo website. I had made my XXXX payment on the XXXX and looked for the updated payoff amount on the CD and it noted cash back to borrower of {$1800.00}. The notary that arrived on the XXXX and provided a CD form that reflected a cash back of {$280.00}. I commented this but signed the form anyhow after the notary showed me the acknowledgment that said the packet CD did not replace the CD provided by the lender. Shortly after reviewing the recorded payoff of the original loan, approximately XXXX XXXX, I emailed XXXX XXXX as she had sent me an email on XXXX XXXX letting me know the new mortgage account was being established. I asked her about the difference in cash back and she responded on the XXXX, stating she had forwarded the email to XXXX XXXX, as she was the contact for closing documents. I did not hear back from XXXX, emailed again on XX/XX/XXXX finally a third time on XXXX, stating this would be my final attempt. She called me at XXXX XXXX AZ time on XXXX and listened to my concerns regarding the difference in payoff amounts that dramatically changed the cash back due to me, a variance of {$1500.00}. She noted how the payoff letter from Wells Fargo dated XX/XX/XXXX matched the updated XXXX she uploaded into the Wells Fargo application status website. She said she would speak to her supervisor and I would hear from her the following business day. She never responded and I emailed her again on XXXX XXXX. XXXX responded within 8 minutes, stating the CD she provided the title company ( and me ) was not balanced and incorrect. I emailed her, asking to speak to someone that could explain the incorrect, out of balance, CD to me and she called me early on Tuesday XXXX XXXX, saying she had contacted the funder and found the discrepancy and she didn't know exactly when I would receive the remaining {$1500.00} but either the title company or funder would send a check. I asked her to please email me, documenting all the details of how this discrepancy happened, whom had the funds, etc. because I felt a record of this was necessary. As of today, XXXX XXXX, I have not received an email, a second phone call, nor check for the closing difference.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXXXXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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: Debt collection

I was advised via credit monitoring notification on XXXX/XXXX/2015 through XXXX that a Collection account was posted to my credit. I immeditly contacted them to find that Amsher Collection Services had reported a debt due to XXXX. I contacted Amsher collection for the XXXX time XXXX/XXXX/2015 to advise them I did not indeed owe XXXX. They instructed me to file a Identity Theft Affidavit and fax it over to them. On XXXX/XXXX/2015 I completed this task and disputed the account with all three credit agencies. On XXXX/XXXX/2015 I followed up and was informed they did receive my fax and would send it back to XXXX. I advised them of my dispute and they stated that it would take it 's course for removal. On XXXX/XXXX/2015 I got notification that the Collection Agency responded to my disputes that it was a valid debt. I on XXXX/XXXX/15 contacted Amsher to ask them as to how and why they did that. They stated they would send me a fraud packet. I re disputed the inaccurate information on my credit file. On XXXX/XXXX/2015 I again got notification the Collection agency responded to the Credit agency that it was a valid debt. I once again called back due to not receiving the fraud packet plus them once again responding to my dispute it was a valid debt and spoke to " XXXX '' the manager and he ensured me he would handle it and send the packet himself and handle the credit agency disputes to reflect accurate information. I have provided XXXX with the require documents as well as fraud dispute form as requested yet this invalid account still appears on all XXXX credit reports. I contacted Asmher Collection XXXX/XXXX/2015 and XXXX informed me she would do a courtesy removal and send a letter stating that.
Product: Credit card or prepaid card

My card number ending in XXXX I signed up with capitol one in XXXX of 2020 because XXXX sent me a letter in the mail promising me a {$150.00} bonus, if I applied for a credit card with them. I had to spend {$500.00} or more in purchases in the first three months. I had asked for an extension because I am taking care of my XXXX XXXX XXXX XXXX  with XXXX XXXX, he is mainly XXXX XXXX XXXX XXXX  had also got this same offer for a {$150.00} dollar bonus and he asked for an extension to get his bonus of {$150.00} as well and he was granted his extension until XX/XX/2020 but I was not. I have made the {$500.00} dollars in purchases just shortly after the 3 month period had ran out. I contacted capitol one regarding this matter but they failed to comply to my matter and they would not grant me this extension and ripped me out of my {$150.00}. I am also XXXX so it takes me longer than others to get things done. I asking as an accommodation for my XXXX under the ADA laws to accept the fact that I spent {$500.00} just shortly after the deadline. I would like capitol one to give me my bonus of {$150.00} dollars. I have proof by statements that I had spent the {$500.00} dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXXs customer service representative.
Product: Credit card or prepaid card

This is a complaint for XXXX on the basis of National origin, Ethnicity, Gender, perceived religion and creed. 


On XX/XX/XXXX, I opened a credit card account with Citizens Bank, with a credit limit of {$2000.00}. 

I made my payment on time and the account was in good standing. 


On XX/XX/XXXX, I thoought to bring the balance down for XXXX reasons. I had to make urgent purchases on line and to improve my credit score, as well. 

I made a payment of {$500.00} at the branch teller, to bring the balance from {$2000.00} to {$1500.00}. 

The next day, on XX/XX/XXXX, I tried to use the card for my urgent in line purchases, but the card declined however. 


I suppose to have {$500.00} available credit on my card to use. I called the bank to find out the reason for the declined transactions. 


The bank customer service informed me that my credit limit has been decreased by the same amount I just paid {$500.00}. 

The bank decreased my credit limit from {$2000.00} to {$1500.00}. This way the card is over the limit and will hurt my credit  score. 


Although, my account was in good standing and {$500.00} ander the limit. The bank reduced the credit limit without notice. The very next day I made the payment. 


The bank intentionally damaged my credit score and put me in financial hardship. Because, the {$500.00} payment was meant for urgent purchases. 

But, the {$500.00} disappeared by the bank XXXX  and XXXX action to reduce my credit limit without any valid reason at all. 


I have made a complaint with the bank chairman office. But all my complaints were ignored, however. 


It seems that their business culture is to cover any wrong doing, XXXX, and XXXX  conduct. 


I hope your office will fairly assist in this complaint and refer my XXXX  complaint to the appropriate state and federal agencies to impartially investigate my complaint. 

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

I noticed that on my consumer report personal information they were reporting 3 different addresses and a name that do not belong to me. Contact Experian and informed them about this issue, but was told that they were reporting accurate information. I even mailed all my personal information to Experian to be updated but they did not honor my request. I need some assistance to correct my personal information on my consumer report. Please help!

Thank you in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputing a Hard Inquiry from Capitol One on XX/XX/2018 never had Capitol One or tried applying for Capitol One tried to dispute error on XXXX  and called the number they gave Me but issue was never resolved
Product: Credit card or prepaid card

On XX/XX/XXXX via my XXXX card I purchased an external hard drive for {$76.00}. I was supposed to receive the item on XX/XX/XXXX. I did not receive the item. I called XXXX customer service and XXXX XXXX via email. They both told me to wait till XX/XX/XXXX for a response and they never responded. I requested a refund for the item- and have not been refunded.
Product: Checking or savings account

I have been with bank of America for my main bank for about 10 years and randomly on Thursday XX/XX/XXXX after XXXX when I last logged onto my account and spoke with a representative they closed my account without warning or giving a reason, around XXXX I went to log onto my online account to check my balance and the app told me there were no accounts found which had me thinking it was some kind of issue with the website but then I called in and they told me my account had been closed and they said they cant disclose the reason outside of the fact it was a business decision and kept referring to a deposit disclosure agreement and I explained it must be some kind of mistake and I have deposits and bills scheduled to my account and they didnt care. Representative transferred me to a manager named XXXX in the account closure department just so I could get an understanding as to why they would do something like this and he also just repeated that they couldnt disclose a reason as to why my account was closed and told me that I would get a letter in the mail explaining that my account has been closed but then stated that the letter would not tell me why. This should be illegal to close someones account without warning or reason especially in this economy where many Americans are living paycheck to paycheck and this is not good business practice and makes me wonder are the consumers safe even using any banks anymore if they are allowed to treat even their tenured customers in such a disgusting manner.
Product: Credit card

Two or three weeks before XXXX, the Synchrony Bank fraud department suspended my credit card, issued through Walmart, because they detected fraud. After repeated phone calls and emails, I still do n't know why. The activity on the account for that month was fairly standard for amounts spent and items purchased. I was never given any warning, and, at some point, was completely shut out of my account. After the fourth phone call, after being mailed a security code, I was allowed onto my account, which satisfied THEM. I am still boiling and have not used the account since.
Product: Checking or savings account

So I opened an account on Citibank a few months ago and I noticed that almost every time I would use my debit card anywhere would lock my card and cite it for fraud and on XX/XX/XXXX I had used my card at a XXXX then at a local restaurant then I had tried to use it at a XXXX  and it wouldnt work so I figured no big deal. Ill just call the fraud department once again well I tried to get into my Citibank app and I was locked out, so I called the fraud department of Citibank and they informed me that Citibank had closed me down along with ALL MY MONEY. When I asked for answers as to why they closed me down, they told me they could not help me have a nice day and hung up on me. I ended up calling almost 10 times that day to find out how I could get my money and each and every time while I was talking Mind you I was being respectful they hung up on me each and every time I finally called back and asked to speak to a supervisor and I was simply asking her if I drove the hour and a half to my local Citibank would they be able to give me the money out of the account well, I didnt even get to ask the entire question she told me she could not help me have a nice day and hung up on me. This is totally illegal and unacceptable. I asked the supervisor how am I going to feed my child? You have all of my money I called back and was hung up on again, I dont even know exactly how much is in the account because I can not get into the app this has caused me major duress
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested twice for credit bureaus to provide validation of debt, amounts and to include copy of original signed contract and to date no verification was received for services discrepancies with no verification received. 2 attempts made to Experian XXXXXXXX XXXX XXXXXXXX XXXX Tx XXXX the 1st letter sent on XX/XX/2022 certified tracking XXXX XXXX XXXX XXXX XXXX and 2nd attempt made XX/XX/2022 certified tracking XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed this account multiple times and asked for proof of social security that was used for this lease, none was provided. My personal information was compromised at the time and this has held up my credit profile in a negative way. Please delete from my credit profile and release my personal profile from this debt. I will use the courts as needed to enforce my rights under FDCPA and other statutes. I look forward to and eventful resolution of this matter. Thank you
Product: Checking or savings account

A few months ago I started using by Compass Bank account less and less because of concerns I have had over the past about how they have handled my money. This bank has been charging me over the past few months for items they have refused to pay. I deposit enough funds into this account to pay the items. Compass Bank has continued to charge me NSF fees because of them taking my account into a negative balance. I would deposit XXXX XXXX dollars which they would not make a payment with, then the bank would charge me {$38.00} bringing down my balance creating a loop of insufficient funds and fees. They keep doing this until the account is negative and I have had to pay quite a bit of money to keep the account in good standing. While I finish moving my other accounts, I would like this account to work properly and as promised. This year I have been charged {$190.00} in NSF fees due to the banks actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opp loans has failed to provide verification of the charge off listed under my name. The account is inaccurate and even after several disputes they have not verified ownership or accuracy of the charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my endeavor AGAIN 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. 
XXXXXXXX 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 : {$570.00} ; XXXX XXXX XXXX Balance : {$7000.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; ( Original Creditor : XXXX ) XXXX Balance : {$310.00} ; XXXX XXXXXXXX XX/XX/XXXX.