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

On XX/XX/XXXX, I attempted to withdraw {$1000.00} from an N26 checking account held by me since XX/XX/XXXX of XXXX and was denied the withdrawal from the bank. I attempted twice more in {$500.00} increments, double checked my pin, and then called customer support and was told that the settings for deposit and payment limits would need some time to change over ( this has never happened previously, nor was I informed of any change to the system ). 

On XX/XX/XXXX, I tried to withdraw {$500.00} again and was denied the transaction by the ATM. I ignored it for the time being. I went home and tried to pair the new phone I had been using for several months, with the app ( previously I had unlinked my old phone and since I barely use this card, I didn't immediately decide to update the information via the app ). I decided to hit up the online chat and was informed that my account had been suspended for an undisclosed reason and that I would be emailed by a specialist in the future. The online chat then proceeded to close the chat. I was never notified previously of suspicious activity or suspension via app or email. 

I reattempted this several times and was met with the same response. I called the support number and found that my number has been blocked with a pre-recorded message which reported the same message I had received from support ; 'Your account has been suspended and you will be contacted by a specialist '. 

It is now the XXXX, and I no longer have access to the card via the app, the card has been removed from my account and I am frozen out of my own account. Further research into similar issues shows a history of never resolving the issue. 

I also have gone to the bank that N26 uses in some way to provide financial service in the U.S. and despite the information provided on the N26 website, XXXX seems to refute those claims.
Product: Debt collection

On XXXX was informed via credit report that a collection notification from Credence Resource Management in regards to doing business with XXXX XXXX XXXX  the amount of {$1200.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt and furnish it without validation or verification of the debt, I Do not owe to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ; NO CONSENT FROM CONSUMER OR NOTIFICATION ALERTING THE CONSUMER OF transfer of ownership. FCRA 804 prohibits this company from communication through interstate commerce ( 2 ) not state that such consumer owes any debt ; this is a direct violation under this sub chapter. It clearly states in the Fair Debt Collections Practice Act ( FDCPA ) section 807 ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. I, the consumer gave security interest in principal balance which means the security interest was provided for the individual to secure the obligation. It is according to the provisions and sub chapters of 15 USC 1692d ( 4 ) ( 1 ) to collect or attempt to collect any extension of credit. 15 USC 6802 obligations with respect to disclosure of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ;
Product: Credit card

I disagree with the account listed below which still appears on my credit report, even after their investigation. I would like this item immediately re-investigated. These inaccuracies are highly injurious to my credit score The inaccuracies are highly injurious to my credit score Dept of EducationXXXX XXXX XXXX XXXX - {$8200.00} ( Paid Off )/ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX Balance {$190.00}. This company has continued to violated my rights in accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, Please Provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a continuation of the problem I already reported. Following my complaint to you of XX/XX/21, I got a form letter from Citi basically saying " We appreciate your feedback. '' They gave me a number to call, and it was just their normal automated answering service where eventually you get transferred to a person who transfers you to another person. I explained my problem : My husband died and I was told I had to apply for a new card with just my name on it. I got denied because I applied for two credit cards ( for the same reason ) on the same day. I got denied a second time because the agent accidentally registered my application twice, and was told I had to wait 60 days to apply again. In the meantime they cancelled my joint credit card because my husband was dead, and now I can't go to Costco  for 2 months, or get 4 percent off gas because I no longer have a card. 
The representative said she would transfer me to her supervisor, but instead I got transferred to the number to apply for a new card. So I again applied for a new card ( thinking the supervisor had possibly approved it ) and after the long application process, I got turned down again. Citi Bank Credit Cards are terrible deal with. Unfortunately they have a contract with Costco so they know they can be as mean as possible and you have to deal with them if you like Costco.
Product: Debt collection

Doctors appointment at XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, NC XXXX on XX/XX/XXXX. I paid in full for the services on XX/XX/XXXX. 

On XX/XX/XXXX I received a call from XXXX and I spoke with a woman from a collections agency who informed me that I owed money to XXXX ( from the XX/XX/XXXX appointment ) and I had n't paid it. 

I told her I had no knowledge of the bill and had not received any notifications ( by mail or via the phone ) from XXXX over the past year. She told me the address where the bills were sent. I informed her that I have not lived at that address for over five years. She told me she would send a new copy of the bill to my current address but there was n't anything else she could do. 

Since that phone call I have continually been berated with calls from various numbers similar to the one she called from. This has been inconvenient and unnecessary since I ca n't move forward with anything until I see the bill. 

On XX/XX/XXXX nearly a year after my appointment I received a piece of mail from XXXX XXXX XXXX XXXX notifying me that my XXXX account was sent to collections and my balance due is {$240.00}. I still do n't have a copy of the invoice or any communication from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX Experian has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. 

ACCOUNTS XXXX  XXXX never late INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX   XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX/XXXX XXXX {$390.00} not mine XXXX XXXX   XXXX XXXX {$560.00} not mine XXXX XXXX XXXX XXXX {$5100.00} not mine
Product: Mortgage

My mortgage was originally with Ameris Bank who then sold it to XXXX. XXXX has yet to receive the payments that Ameris Bank took and cashed from me in XXXX and XXXX. I have been unable to reach Ameris Bank at any of its numbers and I constantly get a recording that goes nowhere. I have raised the issue with XXXX as well but have not had any followup from them. Now XXXX is telling me I have an escrow shortage. Ameris Bank sold the loan sometime in XXXX apparently but somehow XXXX hasnt gotten the payments. At a loss on how to contact anyone at Ameris Bank to get the payments over to XXXX so it can be applied to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian, XXXX  and XXXX  about two accounts that show different info on all 3 reports. I ask to have the two accounts validated Because I don't believe it is mine nor do i believe the account is a valid one since none of the info matches across all 3 reports.They are all failing to report accurate information which means they need to delete these account from my credit profile by law. 

Please see documents uploaded.
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX Balance : {$930.00} XXXX XXXXXXXX Balance XXXX {$2000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

XX/XX/2023 at XXXX {$500.00} decline to XXXX XXXX XXXX XXXX. XXXX decline XXXX XXXX XXXX XXXX again {$500.00}. Again XXXX XXXX XXXX XXXX {$200.00} Again XXXX am {$300.00} XXXX XXXX Again XXXX XXXX {$300.00} XXXX XXXX XXXX. My card then is paused and unpaused XXXX  times between XXXX XXXX until XXXX XXXX At XXXX another XXXX XXXX For {$100.00} XXXX XXXX transfer. At XXXX {$20.00} XXXX XXXX XXXX XXXX At XXXX {$20.00} XXXX XXXX XXXX Then at XXXX XXXX decline daily spending limit. At XXXX decline. At XXXX XXXX XXXX {$500.00} XXXX At XXXX XXXX a money order purchase at USPS for {$1000.00} was purchased. At XXXX {$500.00} ATM XXXX Again at XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$250.00}. ATM decline XXXX and XXXX XXXX. Card is paused and unpaused again XXXX XXXX XXXX XXXX  decline at ATM. At XXXX paused and unpaused again at XXXX XXXX. At XXXX another ATM attempt card upaused again at XXXX. At XXXX XXXX XXXX transfer {$250.00} XXXX. XXXX {$250.00} XXXX XXXX at XXXX {$300.00} XXXX XXXX XXXXXXXX. At XXXX {$100.00} XXXX XXXX XXXX at XXXX card paused again pin gets changed at XXXX XXXX Again. I'm seeing the pattern of Such fraudulent activity that it is overwhelming. The bank should have never let this happen to me.
Product: Credit reporting or other personal consumer reports

My Experian credit report contains serious inaccuracies that should have never been reported in the first place, and this level of carelessness is completely unacceptable. These reporting errors raise serious concerns about the reliability of your data and the integrity of your verification process. These mistakes are actively harming my financial standing, and I will not sit idly while misinformation continues to cause damage. 

As a consumer, I have a legal right to a credit report that is free from false or unverifiable information. The FCRA requires that all data reported be 100 % accurate and provable. If these errors can not be supported by documented proof, they must be removed immediately. I demand a full, detailed investigation and an immediate correction. Any delay in resolving these issues will be considered negligence and will not be tolerated. 

XXXX XXXX XXXX  XXXX - {$3600.00} XXXX  - XXXX - {$3600.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX - {$630.00} XXXX XXXX XXXX A XXXX XXXX - {$2300.00} XXXX XXXX XXXX XXXX  XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX - {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX - {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon pulling my credit report, I noticed that The XXXX XXXX XXXX XXXX reported two accounts in the amount of XXXX} and XXXX. I asked them for proof of verification and to remove the account for inaccuracies, but I did not get either request fulfilled. These are the inaccuracies that I reported : -The payment history from my Equifax report shows that I was on time in XX/XX/XXXX, but 120 days late a month later in XXXX. That is logically and statistically impossible. 

-My TransUnion report is incomplete and they have completely removed the payment history instead of removing the account as requested. 

- My XXXX report is inaccurate and the data doesn't have the same information as XXXX. 

-On the XXXX XXXX XXXX  website it states that a payment was made in XXXX of XXXX, but I never paid anything to them or knew anything about this account until I pulled my credit report in XXXX of XXXX. 

They state that the student loan was assigned to them by XXXX but the data from XXXX showed late payments in XXXX while The XXXX XXXX XXXX XXXX states everything was on time that year on my XXXX report. How is this even possible or allowed to come back as being verified if their information doesn't match the original creditor, XXXX?! 

This violates the FCRA and I need this account remove promptly as it is not a clear representation of my creditworthiness. I have attached the files to show proof of the inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid my Indigo credit card off in XXXX, XXXX. Called and closed the account. Received email statement in XXXX showing account paid off. Fast forward I get an email on XXXX, XXXX, XXXX for a statement. Found that Genesis Credit, owener of Indigo card never closed my account as requested over 7 months ago. Called customer service and they confirmed the account was closed even if I could still access my account via online. I asked why it was never reported closed to credit bureaus. Agent couldnt answer and put me on hold. Rep came back and said that a supervisor was going to start an investigation and I would have the results in 30 days. I told them I was NOT waiting another month! They had 30 days, 7 months ago! I told them I would report them to the FTC. Agent silenced the line. When he came back and acted like I was accidentally put on hold I repeated that I was reporting them for fraud. This account should be closed and show closed on my credit report as of XXXX, XXXX!
Product: Credit card

Reopen my store credit card immediately. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Account Open Date : XXXX XXXX XXXX Closed Date : XXXX XXXX Credit Limit : {$500.00} Last Payment Date : XXXX XXXX XXXX This credit card was mistakenly closed and flagged as fraudulent by mistake. Please reopen this account immediately. I have attached supporting documents proving that I am the owner of this account.
Product: Credit card

XXXX, XX/XX/XXXX, I received an email from XXXX stating that my XXXX XXXX membership was successful. I never subscribed to XXXX XXXX. With some research, I understand that Chase, my credit card bank, allowed this. From what I have read from a consumer advocate, apparently there is a deal between the two and its in the very fine print. 

The XXXX phone numbers out there are either no longer in service or they direct you to the XXXX site. The XXXX site directions are not mirrored on their web site, so they are useless. I did fill out a general comment box, and with some effort got this cancelled and my first monthly charge of {$9.00} credited. 

This was not a new card application, it was getting a new cc number for security purposes. Isnt it ironic that Chase gives me a new account number to protect myself and then in six months they take advantage of me by signing me up for a monthly service and allowing XXXX to charge my credit card without my consent. 

It shouldnt matter if the account is new or existinghow can it be that this is okay? Its certainly not ethical. Should be illegal. How many customers arent even aware this is happening to them?
Product: Debt collection

I notified Sunrise Credit Service that this XXXX account is due to result of being a victim of identity theft. I mailed them a copy of the Federal Trade Commission 's Identity Theft Report, Report Number : XXXX. This fraudulent account has been ging through several different collection agencies that XXXX claimed they have no control over. This account was fruadulently opened and is not my account. This account is being reporting on my credit reports by Sunrise Credit Service.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 XXXX XXXX consumer information to Experian, XXXX, and XXXX. The law states it is illegal for financial institutions to report consumer account details and other nonpublic consumer information to nonaffiliated third parties. Institutions must develop and give notice of their privacy policies to their own customers and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to " opt out '' from such disclosure per 15 U.S.C. 6801. I am opting out of any and all authorizations per 15 U.S. Code 6802 and per 16 CFR 313.1
Product: Credit card or prepaid card

On  XX/XX/XXXX  I called  Chase  customer service to check on my account and get log in information as I had not logged into my account in years. I spoke to several agents and explained to them that I do not have my username or password or credit card account number as I had not had this information since the last time I was able to log into my account which was in  XX/XX/XXXX . They kept telling me that I need to speak to a specialist to give me a code in order to log in, after being transferred and in frustration explaining the situation to at least 4 different agents none of which could help me log back into my account, I was told that my account was past due and I have late charges exceeding {$170.00} and it was not clear to me how much my monthly balances were as they told me several different amounts all exceeding {$100.00} a month. I asked why as I was told my minimum payment amount would be {$50.00} every month ( my credit card balance is about {$2000.00} ) and all they said was that I had a past due amount in  XX/XX/XXXX  which I paid and cleared up all extra fees and was then told the minimum fee would continue to be {$50.00} stated clearly by the agent. They did not inform me in any way or in writing that my monthly minimum amount due would be raised nor that I would be charged extra fees and I continued paying {$50.00} every month unaware of all these extra charges. I explained to several Chase supervisors that they should have informed me of these charges to which they answered that they sent me emails to the account in which none of the representatives ( conveniently so that I could not see my account to dispute this in my opinion ) could help me log into. They also stated that they sent me letters to my home which were never sent nor received. This is clearly a matter of deceiving the debt payer to continue paying fees and late charges unknowingly for as long as possible. I demand to see statements of what I have been paying for over 6 years and a statement of all the fees and charges in detailed explanation as well as certified receipts of letters that Chase has sent to me informing me of my " late fees and all other charges '' not related to my payoff amount otherwise I will not be sending my hard earned money paying off " late fee '' scams and new minimum monthly amounts that  Chase  raises without notifying the payee.
Product: Mortgage

I would like to request your assistance, as XXXX in XXXX XXXX, with an issue I am having with Fay Servicing. 

My name is XXXX XXXX, mortgage account number, XXXX XXXX XXXX. For many years, as a customer of XXXX XXXX, and now with XXXX, I have been paying my mortgage by XXXX XXXX autopay, and have bought my own home owners and flood insurance. 

I recently noticed my mortgage payments went from about $ XXXX to $ XXXX. I researched this and found the cause was because Fay is paying XXXX XXXX for my flood insurance. I am attaching a document from XXXX, affirming my payment to XXXX, XX/XX/year>. For some reason, and without adequate explanation, XXXX refunded me the amount of my payment. At first, I assumed that I paid XXXX twice, by accident, and then they reimbursed me. Considering overlapping email, text and letter solicitations for payment, is not uncommon for me to pay for services twice. The payment then generally gets credited to the following month 's bill. Unfortunately, after Fay started paying for my Flood insurance my mortgage payments have gone up. I have contacted Fay by email and have called several times to straighten it out. At this point, I have been advised by XXXX XXXX, that i can write an email asking Fay to allow me to pay for Flood insurance. Once that happens, my mortgage payment will only increase to about $ XXXX month. That seems unfair to me, considering the totality of the circumstances. 

All I am asking for is to pay XXXX on my own and pay the usual mortgage payment of about $ XXXX. I have already paid {$3000.00} to bring my account up to date. Apparently because of this snafu, my escrow fell short. 

To me, this seems terribly unfair. A long term customer paying by autopay, and self paying home insurance and flood insurance gets caught in the bureaucratic hierarchy of who's flood insurance policy takes precedence, the customer 's or the bank 's. 

I realize that you are in charge of quality control. This to me is a complex issue and has probably happened to others as well. Perhaps quality control changes could create a protocol where the Insurance company and Fay ask the customer clearly, if their intention is to pay for the insurances or whether they want to bank to pay. That kind of transparency would go a long way and would save needless hassles and annoyance. 

Very short point. The phone menu/transfer system is redundant and demoralizing. It wears you down. Please look at it and try to streamline it. 

Thank you for your attention. I await your kind response. 

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

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

I made complaint twice on this account and it was deleted off my XXXX. This originally deleted off all three credit bureaus from previous collection agency.