23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In XXXX ofXX/XX/XXXX I opened a XXXX card with them, the limit was not what I was expected and I was recommened to wait 6 months, apply for another credit card and that I would be able to combine their limits. I had previously used this service successfully. 

On XX/XX/XXXX after six months I again applied for the same card and was approved at the same XXXX dollar limit. I went ahead and went to their website to proceed with the combination of the two cards. I was then given an error saying this service is temporarily suspended. 

I called customer service to see when the service would be available again on XX/XX/XXXX. I spoke with a customer service representative and was told this service is unavailable and they have not date for when it will return. I then esclated to a supervisor and they informed me that this service is now suspended and has no date for return. The ability to request it is still on the website and my terms of service of both cards still mention the ability to do so. 

Capital One was unwilling to allow me to do this. After dealing with a Senior Account Manager I was told that there is no further place to escalate this issue and they were  unable to provide me contact with anyone beyond the Sr Manager. 

There was no communication on this feature change, it is still advertised on their website and XXXX. My expectation is that if they are removing a critical feature that I have used multiple times as customer has been removed, that it would be communicated and at least removed from the XXXX  or site. 

Had I had this information I would not have applied for this credit card. Now I am stuck with a hard inquiry on my credit report, a credit card that I really don't need since the whole objective was to raise the limit by combining them. They were also unable to provide me details on what further steps I could take to get the the credit lines merged. 

They gave me a XXXX dollar credit line increase on my original card, and a XXXX dollar limit on the new one. I do not understand why they would extend such a large line of credit on a new card as opposed to just increasing my current product with them. 

This has negatively effected my total age of accounts, hard inquiries on my credit report and given me another credit card to carry around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

In XXXX of this year, XXXX  I made a payment to XXXX XXXX on one of the two credit cards I have with this creditor. I had been running late on my payments to all my creditors due to having no job for four months, however, I absolutely made sure I was never over thirty days late to not accrue a negative late mark on my credit report as my credit is especially important to me. In trying to make this payment to this account before the thirty days were up, I clicked on it in my client portal but when the payment page is displayed, the account one is attempting to pay on does not show anymore as it reverts to the first credit card account automatically if a client has multiple accounts. So, if one is not familiar with this creditor 's client portal then multiple payments can be made to the account the portal automatically reverts to as happened to me on this one month, without being made aware. So, I made two payments on one credit card and none on the one I needed to make the payment on. This is, in my humble opinion, a client portal glitch. The honest attempt to pay on this credit card before the thirty days were up was made by me. I even spoke with a XXXX for this creditor in attempting to get this negative mark for XXXX reversed to " current '' and even he acknowledged that this glitch was real and detrimental to the consumer after he himself experienced this company error on his own computer while speaking with me. My credit means a lot to me, and I would surely appreciate your immediate attention to this crucial matter, thank you so much!
Product: Debt collection

Called my parents job and house phone number that I didnt give to attempt to collect a debt from.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : $ XXXX XXXX XXXX  XXXX Balance Owed : {$890.00} XXXX XXXX  XXXX bankruptcy XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XXXX XXXXXX/XX/year> XXXXXXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXXXXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I canceled a membership, I either forgot about or wasnt aware I signed up for. I was only made aware of this because of bank statements, and the morning after I canceled the membership. The company offered no refund or any accommodations. Never even used the services.
Product: Checking or savings account

On XX/XX/XXXX  chime bank closed my Account for no reason. I had a remaining balance of {$620.00}. I was supposed to receive a check for that balance within 30 days. I patiently waited. It is now XX/XX/ and chime still has not sent me my check. I need my money asap, I have bills to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing XXXX accounts from XXXX XXXXXXXX XXXX I disputed with the credit bureaus to no avail. My dispute is that first premier manipulated my payments to re-age my account. I requested proof of payment they never responded and the credit bureaus are validating this fraudulent activity. I have been affected by Covid-19 and I am just getting back on my feet. 
They reported a payment of {$0.00} on XX/XX/2019. On both accounts. It is illegal and very unfair. I have attached a picture of the page to experience credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX, and transunion I sent documents fax and also mail letters to them I also contacted a few companies about this matter yet I still on my credit report and I would like for it to be removed.
Product: Credit reporting or other personal consumer reports

I requested written confirmation that the subject collections be removed, as they are direct violations of the Fair Credit Reporting Act, in that the alleged collections did NOT arise from any credit transaction, and should not be reported on any credit report. The bureaus failed to comply, and the misrepresenting collections remain on these credit reports. Further evidence of the collections not arising from any credit transaction includes the following : - No reported high balance. - No reported Credit Limit. - No contract was signed or otherwise agreed to.
Product: Checking or savings account

In XX/XX/2017, I opened a checking & savings account with Navy Federal Credit Union. They accepted over {$3500.00} in deposits. To date, -- I have had no access to these accounts. NFCU has repeatedly requested ID documents. I have uploaded, emailed. faxed, and physically mailed -- copies of my Photo ID, Social Security card, utility bills with address, and Passport 8 ( eight ) times. Most recently, ( XX/XX/XXXX ) I visited the XXXX, XXXX  branch while on vacation. I presented my XXXX photo driver 's license and requested my accounts be closed, and my money returned to me. I had called Customer Service 2 hours previoulsy and was told by XXXX that is what was required. After a speaking with XXXX and then the manager -- I was told I would have to physically present my social security card. The manager : XXXX, left me sitting while she dealt with another customer. After being in the bank for 55 minutes, I left. I am out of ideas as to how to get my funds returned to me. I have been in touch with Security, Membership -- anyone I can think of. Can you help? Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with ( Original Creditor : CHECKSMART ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and ( Original Creditor : CHECKSMART ) with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

New and updated information. I XXXX XXXX am submitting this complaint without any influence of a third party. Transunion is knowingly and willfully illegally furnishing accounts on my consumer report without my consent. Pursuant to 15 U.S.C 1681b ( a ) ( 2 ) a consumer reporting agency may furnish to a consumer report in accordance with written instructions from the consumer. I did not give Transunion consent to furnish anything to my consumer report. No consent is Identity Theft. An FTC report was sent to Transunion on XX/XX/2022. Pursuant to 15 U.S.C 1681c-2 a consumer reporting agency has 4 days to block the information listed on the FTC report . Unless Transunion can provide written documentation that I gave them consent to furnish to my consumer report they are fraudulently acting on my behalf. Please see attached documents as it contains my full complaint.
Product: Money transfer, virtual currency, or money service

I deposit a couple of checks through my app and lately through an ATM because the amount of the check. The initial disclosure date of the check supposed to be 24 hours after the deposit and the rest of the fund 5 days after that. 

Then, they change the available funds date to 7 days after the deposit and said the reason was my mortgage company. I called them, and they said that the funds are there and available for cashing. 

I dont understand where is the actual reason but misleading information is frustrating. This funds are for house repair and my mortgage company understands the priority.
Product: Student loan

My federal non private student loans were discharged via XXXXXXXX XXXX XXXX  and borrower defense application. I filled out the navient documentation for my private loans and they will not even review the application because I have a refinanced/consolidated loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have potentially been impacted by the hack that took place in XXXX to XXXX of 2017 on Equifax, the credit reporting bureau. I 've not seen anything that indicates ( yet ) that my information has been used, but the information is potentially out there because of Equifax not securing my data. My biggest concern about this is the fact that Equifax knew about this potentially in XXXX and did nothing to let consumers know.
Product: Debt or credit management

Today, XX/XX/scrub>/2024, I received a call from " XXXX XXXX '' stating his company name is XXXX XXXX XXXX in New York. XXXX stated that he wanted to share with me a way to lower my credit card interest rates to 0 % for as long as I keep the cards and could even negotiated a lower balance. XXXX then took all the information of my credit cards and said I would be speaking to a " XXXX XXXX ''. XXXX gave me his number : ( XXXX ) XXXX, ext. XXXX. I was transferred to " XXXX XXXX ''. 

XXXX wanted me to give him other cards because " XXXX '' sent them the notification that because I was paying all my credit cards on time and that I qualified for a hardship, I would qualify to have these credit card balances to be removed from my credit report. XXXX now asked again about other credit cards even though I had already given this company. He then said he would have " XXXX XXXX '' call me. XXXX gave me his contact number : ( XXXX ) XXXX, ext. XXXX. 

I did not get a called back. So, I called the above number and extension and XXXX answered without presenting his company name or even his name. He then stated my credit was bad and I was maxed out on my credit cards. I knew this already. I came to the realization that they was looking for a credit card that had no balance and that was either XXXX, XXXX or XXXX XXXX. His last words to me : " I don't want to talk to you any more '' and hung up the phone. 

I will be closing all the credit cards because of this situation.
Product: Checking or savings account

On Sunday night, XX/XX/XXXX, I tried to put a stop payment on my check, for {$500.00}, on the TCF App. It did not work. I got a system error message. 

On XX/XX/XXXX, at XXXX XXXX, I talked to an agent, XXXX, and we discussed putting a stop payment on my {$500.00} check. She told me that the stop payment was complete, while I was on the phone. That was the end of our conversation. I believed and trusted her. 

That day, my check for {$500.00} was cashed. After speaking with many agents, each agent told me something different. 

One agent told me that it takes 24 hours for the stop payment to be completed. One agent told me that they could not refund my {$500.00}, because they didnt have it. Another agent told me it was because the stop payment was not stopped in a timely manner. Another agent told me that it has to be initiated three days prior. A manager, then, told me that they do not put stop payments on checks. Therefore, my {$500.00} wouldnt be refunded. 

I found a copy of the TCF corporate rules and read them, then found that they were old rules and not the current rules for the merger. 

I did not know how to find the stop payment process in the Terms and Conditions online or anywhere else, as XXXX never told me. That information was sent to me, three weeks and two days, after my phone call with XXXX, from the corporate office, in a letter dated, XX/XX/XXXX, explaining the Terms and Conditions for the stop payment process that I could only read at that time. 

Huntington Bank stated, in an email, dated XX/XX/XXXX, that the Welcome Package would arrive in the mail, introducing me to Huntington accounts and services, important transaction details and steps I need to take. I received the Welcome Package in the mail, XX/XX/XXXX, one month and twelve days after my phone conversation with XXXX. Therefore, I had no way of knowing about any stop payment process before the check was cashed. 

Not only did XXXX make a mistake by telling me my stop payment was completed when it was not, she also failed to tell me anything about a stop payment process. Had XXXX explained any of this to me, I would not have attempted to put a stop payment on my check, as I would have realized I would lose my money. Instead, I would have immediately closed my account to keep my {$500.00}. 

I received inaccurate and inconsistent information from all of the agents that I talked to, including Corporate. They are backing up their negligent agent and took my {$500.00}. I have no recourse. I can not trust Huntington Bank.
Product: Credit card or prepaid card

I purchased the down payment of my XXXX XXXX XXXX phone with my Wellsfargo Platinum Debit card to start my wireless plan with XXXX ( 1XX/XX/20 ). Unfortunately, on the 27th day of use ( XX/XX/20 ) the screen cracked. I went to go two physical XXXX stores to see if I can have it replaced since they informed me that I had 30 days to replace the phone if there was anything wrong with it but they would not accept it. Then, I called XXXX to see if the phone comes with a manufacturer warranty but they voided my warranty by claiming that my cracked screen was an " accidental cause. '' So instead they referred me to one of their partners to fix the phone at a " discounted price. '' The discount isn't much of a difference. It is only about a $ 4- {$5.00} dollar difference. Then I checked the terms and conditionals online for a Visa Platinum debit card since that is supposedly what my card is and what is advertised on the Wells Fargo website including on the front of my card. According to Visa, a platinum debit card has purchase protection and my phone would apply. So I contacted Visa and they checked card number. VIsa informed me that my card does not come with purchase protection. They even checked years prior to see if it is something that Wellsfargo cards used to have but had it previously removed without informing their customers. It never had purchase protection, although the card and website advertises as a platinum debit. Then, I had Visa check another Visa that I have with a different bank and that one does have purchase protection. Then I called Wells Fargo to explain my issue with their false advertisement. They didn't really know what to do so they put in a ticket to investigate and contact XXXX to see if they can give me my money back. However, I only have until XX/XX/20 to fix this issue so that I can replace my phone. I don't trust this product anymore since it cracked so easily with just one drop.
Product: Mortgage

I rescind from my refinance and waiting for the full refund check ( {$1900.00} ) for my payment. It's been more than a month after I rescind and still not getting the refund. I tried to contact the mortgage company multiple times and most of times they don't respond. Their last response was they are collecting informations for my refund and this response was identical to the response I got three weeks ago. The officer never pickup the call or respond to email further so I'm filing the complaint to expedite my refund process.
Product: Mortgage

I refinanced my home at closed escrow at the end of XX/XX/XXXX. My new mortgage lender paid my installment of taxes due as they needed proof that they were paid however my old mortgage lender M & T Bank had already dispersed the taxes due ; {$4200.00} to XXXX XXXX County. I have called several times since then to find out where my refund is and the first time spoke to a XXXX on XX/XX/XXXX who told me it would take about 30 days to receive it. Then I spoke to a XXXX on XX/XX/XXXX that told me they should be mailing it out by XX/XX/XXXX and also to a CSR named XXXX on XX/XX/XXXX that told me they should be sending it out in a week or so. Then I called again on XX/XX/XXXX and spoke to a XXXX who told me that they verified that XXXX from XXXX XXXX County said that they refunded M & T the {$4200.00} for the taxes. NOW I am being told it may take up to 8 weeks to get a refund? This does not seem right as I paid off the loan successfully, paid on time and even sent them proof that my new lender paid the taxes as well via email on XX/XX/XXXX. Why send them proof when they are just going round and round. I just want my refund for my impound account sent back of {$4200.00} ASAP and I hope that I do not have to wait 8 weeks when my loan was paid off as mentioned XX/XX/XXXX and the taxes were paid in full as well for the XXXX installment. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX of 2024 Lowe 's Lowe 's XXXX XXXX made a hard inquiry of my PERSONAL credit record with XXXX. I did not authorize Lowe 's to check my credit.

I initiated a dispute with XXXX because my PERSONAL credit record reflects a hard inquiry by Lowe 's. Lowe 's responded with a letter that says, " Based on your COMMERCIAL credit bureau dispute, we have reviewed the following information ... Our research indicates we are reporting your account correctly to the COMMERCIAL credit bureaus. '' Lowe 's is unable to produce any document containing my signature that authorized a hard credit inquiry of my PERSONAL credit record. 

XXXX then informed me several times on XXXX XX/XX/year> that 1 ) It is illegal for XXXX to remove incorrect information from my credit report, and 2 ) There is no way for the incorrect information to be removed from my credit report. XXXX refuses to remove the incorrect information from my PERSONAL credit report.
Product: Debt collection

I have several inaccuracies on my credit report. Including closed accounts reporting that I was delinquent in payment and others saying that I owe them money from years ago : - XXXX XXXX XXXX XXXX ( Closed ) I don't know what the heck is going on. I have no knowledge of these accounts, someone must have opened them using by falsifying my identity. 

I've called and tried to resolve the issue but I have had no luck. They just want me to pay them.
Product: Mortgage

We purchased a house on XX/XX/year>. Our loan was through a lender called XXXX XXXX and our first payment was due XX/XX/year>. We paid {$5000.00} with XXXX going to the regular payment and the rest allocated to principle only. Our loan was transferred to NewRez on XX/XX/XXXX and the principle only portion of our payment was never applied. XXXX XXXX shows receiving and transferring the money to New Rez but NewRez informed us they needed XXXX weeks to find the money. After those XXXX weeks we called back and were informed they needed another month to find the money. In XXXX we called and were told they needed to open an investigation that will take 60 days. We have been paying regular payments and extra toward the principle since the transfer to NewRez and those payments appear to be allocated correctly, except that we are a month ahead on payments and the principle balance is about {$1500.00} higher than it should be. This means we are being charged for more interest and will pay more than we should. We have receipts of all of our payments and have provided them with dates to NewRez but they are unable to find our money and allocate it properly.