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

I '' ve tried to access to my online banking and the app didnt allow me, saying that my account is locked. 
I called customer service and they say " go to the branch '' nothing else. I opened this checking account with international passport being non resident, so the bank cant for me to go to a branch if I dont live there. After that I called my branch XXXX XXXX XXXX XXXX in XXXX, PA XXXX and spoke with a representative there, she said that someone will call me to see what is going on, until now Im waiting for that call. 
I need to know how to fix this issue caused by the bank which is restricting the access to my funds at the account. 
The bank has all my personal details to contact me, I dont understand why until now nobody from the bank as called me to explain the situation. They just send me the last statement by mail. 
The phone number at CFPB is my old number ( doesnt allow me to change it ), the new one registered with the bank on XX/XX/2024 is XXXX XXXX XXXX
Product: Credit reporting

I submitted multiple disputes with Experian because they are reporting a late payment with my XXXX XXXX that is incorrect. I disputed and no change. XXXX has sent XXXX requests to change the information and Experian has not changed anything. XXXX has verified multiple times that there are no late payments on my account yet Experian keeps reporting that in XX/XX/2016 that I have a late payment.
Product: Credit card

I have had stellar payment history with my Wal-Mart credit card. I was granted a {$5000.00} credit limit on my Wal-Mart credit card. I even received a very recent increase in the amount of cash I could take out in addition to my purchase -- -it went from {$80.00} to {$200.00}. On XXXX XXXX, 2015, I made a purchase and took out cash. I have attached the documentation showing the purchase and cash advance. Within one to three days, I noticed that my {$5000.00} credit limit decreased to {$330.00}, which is nearly identical to the purchase I made on XXXX XXXX, 2015. This left me with an available credit of {$5.00}, which is highly suspicious that the issuer of the credit -- Synchrony Bank -- slashed my credit to nearly exactly what I owed for the purchase I made. I called to Synchrony Bank, the issuer of the Wal-Mart card, and was told the adverse credit line decrease was because I was XXXX and " some of it had to do with your credit. '' Not only was my race and ethnicity as a XXXX used to discriminate against me and take adverse action against my credit line, which dropped over {$4000.00}, but I was told that there was no internal procedure to file a complaint. I demanded to speak to a supervisor to file a Fair Banking Practices and Equal Credit Opportunity Act claim against the bank ; however, the supervisor I spoke with did not care and stated she was not familiar with any of those laws. So Synchrony Bank is out of compliance in many, many ways, but more importantly, my entire {$5000.00} credit line was slashed for the stated reason that I am XXXX and " some of it had to do with my credit history. '' As you will note on the attached adverse action letter, they are using a credit score pulled in XXXX 2015, which is nearly three months old and outdated.
Product: Money transfer, virtual currency, or money service

on XX/XX/year> I received a phone call from the bank asking me if I was a wear of an transaction deposit 0f {$3500.00} into my account ending in XXXX and my answer was no then there was 9 times of {$200.00} transfer to XXXX XXXX the bank said ok if you don't know the person who deposit the funds into my account then let me put your account on freeze to investigate and then he came bank and said was an inside transaction from one of the bank teller. Then once they started the investigation my payroll direct deposit came into and never gotten it back my account ending in XXXX they took my funds of {$2000.00}. they said they didn't see any fraud actives going on my account..
Product: Mortgage

Issue number ( 1 ) Select Portfolio is continuing to harass me on my mortgage loan stating that there is a lien on the property and possible foreclosure if no resolution is met by XX/XX/XXXX. 

I applied for a loan modification XX/XX/XXXX with Select Portfolio Servicing, and was told that the Lender ( XXXX XXXX ) will have to review and approve my loan modification. 

Issue number ( 2 ) XXXX XXXX coerced me into their in house loan modification in XX/XX/XXXX, when in fact, I qualified for the HARP Loan Modification since XXXX is a bank. XXXX was fully aware of this since the Federal government gave them " Bail out '' money for distress loan such as my mortgage. 

Issue number ( 3 ) Bankruptcy Court showed a balance of {$220000.00}, when I got my notice from Select Portfolio it showed {$240000.00}. When I contacted SPS, they stated that all the arrears was added in the back of the loan, but still SPS relationship manager said there's a Lien on my property and has to be resolved by XX/XX/XXXX or they will contact an Attorney to seek possible forecloser.
Product: Debt collection

This company Klarna says I owe {$150.00} that I paid off months ago before it went into collections. The company agrees I paid off my debt but they haven't rectified my account going into collections. I do not owe this money.
Product: Mortgage

I have several outstanding issues that remain unresolved with my PenFed accounts. 
1. My auto loan title thing remains unresolved. I had previously sent the original title as requested by PenFed. Then when they lost that, I sent a copy. They did n't accept a copy so I had to get a duplicate title which they 've now acknowledged receiving but the issue is not yet put to rest. This was the subject of a previous complaint. 

2. My first mortgage loan still has mortgage insurance on it. This was the subject of a previous complaint - PenFed agreed to remove the mortgage insurance once an appraisal came back with a value that put the loan to value ratio below 80 % ... which has been done but I am still being charged MI. 

3. My home equity line of credit application is still in limbo. 

4. I was charged twice for the appraisal. I was promised a refund but this has not yet materialized. 

5. My application for an XXXX XXXX travel points card has not been processed. 

6. My overdraft line of credit is not linked to my checking account rendering it useless.
Product: Payday loan, title loan, or personal loan

At first, when I paid the monthly payment, I thought that the whole money I am paying for would go to the Car, it turns out that I owe less money for the Car even though they put my statement as I owe them more. Instead that they lower the amount for the car, they steal it! They use just a little part from Interest but use most from both Interest AND PRINCIPAL FOR THEMSELVES! It is supposed to be less than {$7500.00} but they are stating it still as {$10000.00}. I have been paying my payment on time, so they have never been taking any Late fees.
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ] ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet EQUIFAX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. 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 DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXXXX/XX/XXXX DEPT OF EDUCATION/NELN XXXX XX/XX/XXXX Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. EQUIFAX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved
Product: Credit reporting or other personal consumer reports

Request to Block Fraudulent Information on My Credit Report Under 15 U.S.C. 1681c- 2 ( a ) I am writing to request the removal of fraudulent accounts from my credit report under 15 U.S.C . 1681c-2 ( a ). I am a victimf of identity theft ( ftc # XXXX ), which I believe is connected to the data breach at XXXX. As a result, my personal information was compromised and has been used without my consent to open accounts idn my name. 
The accounts that do not belong to me are listed : 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, credit repair services, or other personal consumer reports

XXXX closed account, reversed debt from {$400.00} to {$0.00} on XXXX/XXXX/XXXX, and removed all late marks on XXXXAll is fine with XXXX. Negative remarks need to be removed on XXXX and Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank continues to report an account I closed and paid in full back in  XXXX     1989. The y include a negative comment on the file and have been doing so for 28 years thus only serving vindictive purposes. The credit reporting agencies are no angels in this as they had the opportunity to tell their clien t ( th e bank ) that this dispute is too old to report -- instead they cower to their clients ' wishes and ignore the consumers. The credit agency did not investigate my dispute and simply followed the orders of their client. Note, the bank reports a  XXXX  balance that was paid in full in  XXXX   1989.
Product: Credit reporting or other personal consumer reports

I do not recognize this account and I have no previous knowledge of it. I demand proof and validation debt is mine. If not validated, delete immediately. Collection is in violation of the 15 USC Code 1681b
Product: Debt collection

account was placed on my credit report as a collection, I disputed with the credit bureau and it came back as accurate, I spoke too many times with the collection agency and they were rude and won't help me or verify any information. 
I called the collection agency on XX/XX/2020 and I asked for the name and he gave me a different spelling name but it's similar to mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report 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 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

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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX
Product: Mortgage

There is a foreclosure sale scheduled for a loan held by Wells Fargo Home Mortgage. My company owns the property in California which is collateral for the deed of trust. On XXXX XXXX, 2016, I contacted WFHM and requested reinstatement figures per CA Civil Code section XXXX, we are an " entitled party '' by being a successor trustor through foreclosure. The fax documents were sent to WFHM per instructions received from a representative and subsequent calls have been made as well to no avail. 
XXXX XXXX 2016 - Call to XXXX # XXXX he informed me the fax had not been processed yet. and to call back. 
XXXX XXXX 2016 - Called again spoke with XXXX # XXXX - She told me processing time could be two weeks and to try back again. 
XXXX XXXX 2016 - Called again, spoke with XXXX XXXX # XXXX, he said to try back on Friday XXXX XXXX to see if the request was processed. 
XXXX XXXX 2016 - Called again and asked about the reinstatement numbers to stop the foreclosure sale. Spoke with XXXX in BK dept. She said she did n't see the fax was ever received and gave me # XXXX to re-send it to. I did. 
XXXX XXXX 2016, Called spoke with XXXX in collection dept. She said the fax was received and had not been processed by any dept. I thanked her and asked her to let me know who could look at the package and issue figures to stop the foreclosure. She did n't know who could do the processing. 
This leads me to this website to file a formal complaint against WFHM for not issuing reinstatement figures against CA Civil code. We are a successor in interest to this deed of trust and I demand a viable method of reinstating the mortgage which encumbers the Real Property lawfully owned by my employer in California. Please help. 

Loan # XXXX Property : XXXX XXXX XXXX XXXX XXXX CA XXXX Borrower : XXXX XXXX XXXX XXXX . 
Last XXXX : XXXX
Product: Credit reporting or other personal consumer reports

Credit Card Opened by the Thief Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$120.00} Other Identity Theft Company or Organization : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$160.00}
Product: Debt collection

I had been receiving quite a few calls from someone coming up on my caller ID as " Sunrise Collections '' and I did not know who this was, so I answered the call. Someone on the other end of the call asked me to verify who I was. I didn't want to do this until I knew what the call was about since I had no idea who was calling and about what since I had never heard of them or from them. I wish I had caught the reps name from the call, but the call was made to me from XXXX on XX/XX/2021 at exactly XXXX XX/XX/XXXX eastern time. I was informed at that time of a bill owed to XXXX XXXX XXXX who the rep wanted me to take responsibility for. I informed her that I had no idea what bill or account she was talking about, I had nothing in writing and I requested that she send something to me, validating the debt as I had received nothing about this and this was the first time I was hearing about it. This person tried tricking me over the phone into getting me to admit ownership of a debt I have no documentation of and continued to be rude and on the border of harassing. I requested that she send me written documentation and I'd follow up after I had that. Since that time, I've been receiving at least 2 calls per day from this collection agency and still, no validation of the debt or anything else in writing. Because of this occurring, at the time of the call, this collection agency had made no entry on my credit report ( as I had said -- I had never heard of them before in any way ). I have since applied for a mortgage and they have entered a collection on all 3 of my credit reports significantly affecting my ability to obtain an approval.
Product: Debt collection

We are working with financial assistance programs. CHECK N GO keep calling my place of work my wife place of work XXXX cell phones everyday. They are informed that we working with the company have legal paper saying there company agreed to terms they are harassing us and our work place
Product: Credit card or prepaid card

On XX/XX/XXXX, I called Citi to either cancel or product transfer my Citi Thank You Premiere credit card before the annual fee recurred in XX/XX/XXXX, due to no longer using the card. After speaking with the customer service representative, I decided to do a product transfer to the Citi Dividend Card, which does not have an annual fee. I was told that the product transfer would go into effect on XX/XX/XXXX. I asked why it took so long, and was told that was " standard procedure ''. I expressed concern that I would be charged the annual fee on the CTYP, as avoiding this fee was my primary motivation, and I would cancel the card entirely rather than product transfer if the fee were to be in effect due to the significant delay of the product transfer. I was assured by the customer service representative that no annual fee would be applied for the CTYP, and that I would receive my new Dividend card in the mail. When I asked for that in writing, he said he would make a note on my account. 


I was in fact charged the {$95.00} annual fee on XX/XX/XXXX. I did not notice this, since I had no activity on this card, until my automatic payment went through from my bank a month later. I was surprised to see a payment to this card, as I had no spend activity on this card in several months. I investigated to find this fee had been charged fraudulently, in direct contradiction to the guarantee I was made by Citi 's customer support team. I would have cancelled the card entirely had they been honest about the fee being charged. 


After an hour and five minutes on hold with their customer service, I spent 25 minutes explaining and re-explaining the situation to the customer service representative while he asked if I wanted to do other product transfers or cancel the account. I explained I wanted the planned product transfer to go through and the annual fee to be refunded. He first told me that the refund of the AF had already processed, but then when I pressed him, came back and said that it had not, just that my payment for that statement had gone through. After several more times of them avoiding the statement, he said a refund of the annual fee had been processed and I would receive an email to that effect within 24 hours. I told him I needed that confirmation in writing before the end of the call, or I would submit this complaint. Since I was charged the annual fee despite being told my a customer service representative that I would not be, I am assuming I will never get this email confirming that I will get the refund, much less get the actual refund.
Product: Money transfer, virtual currency, or money service

I received an invoice from XXXX XXXX, and their email address was XXXX. The invoice was for an XXXX XXXX XXXX that was purchased by XXXX XXXX in XXXX. The invoice also stated that they used my XXXXXXXX XXXX. The invoice said to call this number XXXX XXXX XXXX XXXX to report this incident and block this transaction. I called this number, and a person with an XXXX accent picked up. They led me into thinking that money laundering had occurred on my account. They told me to turn on screen broadcasting so they could see my screen. I was fooled into sending money to XXXX through TransferWise because the bank was under my name. I sent over {$9000.00} to XXXX in increments. However, I did not know the bank account numbers. They gave me the bank account number to enter in. 
XXXX XXXX XXXX XXXX  Account number : XXXX I hung up after they told me to use my investor account on XXXX XXXX. The next day I disputed the transaction with XXXX XXXX, and they are investigation as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back In XXXX of 2021 XXXX made a collections claim on my credit report originally with XXXX XXXX XXXX XXXX mobility for {$1000.00}, I had this erroneous claim removed in XXXX from my report. However, It seems this same erroneous account has reappeared on my report. Now, this account is with XXXX XXXX XXXX ( XXXX ). According to The Fair Collection Act, this information should not be placed back on my credit report once removed. Section 609 ( a ) ( 1 ) ( A ) of FCRA, you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Obviously no investigation or verification was made since this account has already once been removed. Additionally, it has now been past 45 days since I requested you to investigate XXXX claim of a collections on my credit report.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INQUIRIES WERE NOT INITIATED BY ME IN WRITING AND BEAR NO PERMISSIBLE PURPOSE. THESE ARE FRAUDULENT, DELETE IMMEDIATELY. 

XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 Other XXXX XXXX XX/XX/2022 Other XXXX  XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 Other XXXX