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

I had multiple charges which appeared on my account that I did not authorize. After noticing that these charges have appeared on the account, I made a phone call to Bank of America and followed the instructions provided by their employees to file the claim. The claim was eventually closed and no funds were recovered. When I called to clarify what the reason for this would be, I was told that there was a verification made by me for one of the charges, the other charge wasn't mentioned separately. When I asked the method this verification was made, I was told either email or phone call. At this time I notified the representative that I have not received any form of communication regarding the transaction, as I check my email regularly, and I no longer had access to the phone number on file with my checking account. For this reason, the claim was reopened, but nothing changed, I am not aware of any further action taken and no further information was given to why the claim was closed than what I have already been told. 

A few months later, on XX/XX/XXXX after reviewing my account and the charges on the account I saw new charges that had appeared which I did not authorize out of which one charge shows up in my online banking as mobile phone payment, which is interesting because I have never gave my card to anyone or allowed anyone to set up a mobile wallet with my card and I have my phone always. The phone also has a passcode and FaceID enabled. At this time I have restored my phone and erased all data, as well as ran an antivirus software on all of my devices.

I would like to ask for these charges to get researched and the funds retrieved along with the international transaction fees where applicable. Unfortunately at this point the charges add up to a substantial amount, the absence of these funds is taking a toll on me personally.

Here is a list of the charges mentioned : XX/XX/XXXX PaySend XX/XX/XXXX PURCHASE XXXX XXXX XX/XX/XXXX PAY.NL *XXXX  XXXX XX/XX/XXXX PURCHASE XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX PURCHASE XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX PURCHASE XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX NY XXXX There was also a refund from the XXXX from XXXX which which I am also not aware of, as I did not make the initial charge, nor did business with XXXX  : XX/XX/XXXX XXXX  XX/XX/XXXX REFUND XXXX XXXX
Product: Checking or savings account

Hi worked fot XXXX XXXX  XXXX XXXX XXXX and I had a Retirement Plan ( XXXX ) with this company. I received the Quater Statement when it shows the distribute the money I had, which I dont request. I call the customer service of XXXX XXXX XXXX, and they told me the servicer in XXXX XXXX of the XXXX its Banco Popular XXXX XXXX XXXX. That day I call they to request information, and they told me they send me a check on XXXX by mail, check that I never received. That same day I request the stop payment and the process to get my funds direct deposit on my Banco Popular account. They told me this process could take maximum 10 business days, which has been passed. I called once again to customer service and they told me, the " XXXX '' its working with other matters and they will start sending the funds a month after my request.
Product: Credit reporting or other personal consumer reports

Below is a copy of my dispute letter i have received my credit report showing there is still collections on there that doesn't belong to me and that is coming back verified. I am asking that these collections gets erased from my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

After re-applying for a Line of Credit Loan and a New Credit Card with this bank that I have been banking with for many years, they refuse to approve my application for credit after I have improved my credit scores to meet their lending requirements!

I have put in multiple loan applications for the same loan and credit card within the past 12 months up until XXXX of XXXX, and this lender keeps right on DENYING ALL of MY LOAN Applications after pulling all of my credit reports! I ain't never seen nothing like this before! I strongly feel and believe that I am being DISCRIMINATED AGAINST DUE TO MY RACE, GENDER, AND AGE. I have applied for the Line of Credit Online and also inside the bank branch and got denied for no apparent reason. The bank clerk can only go by what the computer says, and the bank manager can't override the computer system decision either. The bank clerk said that they can't even see my credit scores, but she could see that my loan was denied already- and that fast.

I've never been approved for a loan or a credit card with this bank before either after applying so many times. Getting denied for these loans and credit cards has caused me great financial hardship, I'm unable to pay for items towards my health insurance, my personal debts are beginning to fall behind, my small business needs is diminishing, and I need more working capital. 
Many times, I have called this bank for answers to my banking needs, but they won't answer my calls, they keep me on hold for a very long time and transfer me to different phone operators over the same issues. When I go inside the branch, they only have one or two employees working and the lobby be filled with anxious mad customers standing in long lines waiting on the next teller.

One of the business bankers told me two different times in the recent past that they were not lending monies to restaurant businesses or the Food Service Industry! Yet this bank still promotes small minority business owners on their website! They don't have it on their website that they don't help the XXXX and XXXX XXXX! 
My questions are : Do this bank have any funds to lend to customers that look like me? Am I not bankable for any lender when all three of my credit scores are currently over XXXX points and I have not been late on ANY of my debts in over three years now???

Please tell me the truth. Are my financial needs and wants as a consumer not important at all as a XXXX woman over XXXX  years of age? Well, why do I keep getting denied for loans when I have done everything right? What about my Civil Rights?

Thanks.
Product: Debt collection

XXXX XXXX, a representative of Altran ( XXXX ) called several of mt relatives in another state and a friend regarding my debt. I was embarrassed and furious! I told them that I do not have a job and that I would pay my debt when I get a job acceptance. I also told them to stop calling me. They stressed me out so much with calling that I blocked the number, and I received a call from a relative and non-relative that they left several messages on their voicemail. This is not right and should not be legal!
Product: Payday loan, title loan, or personal loan

My wife,  XXXX   XXXX  and I were married on  XXXX / XXXX / XXXX . On  XXXX / XXXX / XXXX  we became legally separated. During the period of our marriage we obtained a joint loan with  XXXX   XXXX   XXXX . ( At the time they were known as  XXXX   XXXX  )  XXXX   XXXX / XXXX / XXXX  a  Consent Judgement Entry  was filed dividing assets and debts between each of us. The agreement was for our assets to be divided equally and any joint accounts to be mitigated to the other account holder as sole ownership. All was completed except for  XXXX   XXXX  's role on this account with  XXXX   XXXX . Once I attempted to pay the account off, her signature was found to be required, because  XXXX  never signed the account over to me in sole ownership. A motion to show cause was filed, and  XXXX  was found in contempt of court, and is now the sole owner of the  XXXX   XXXX  Account.  XXXX   XXXX  continues to contact me, and threaten me by phone, mail and email to secure my belongings, garnish my wages, and imprison me. They are also reporting negatively on my credit report. Since I owe no balance, this must be removed immediately. I recently was denied a loan through  XXXX   XXXX  as a result of this negative information and high balance being listed on my report, and my APR went from 10.9 % to 18 %. This is due solely to this mistake. Since this is happening, I am seeking a settlement for damages from   XXXX   XXXX   XXXX   which they can bill to  XXXX   XXXX  's attorney  XXXX   XXXX , who has agreed to pay this law-suit of {$25000.00} in full to avoid being dis-barred for credit fraud, and imprisonment for violating my rights under the fair debt collection practices act, and fair debt reporting act.
Product: Debt collection

I have a collection company that has put two medical collections on my report but i paid the doctors co pay when i went and my insurance paid the other parts. So this is not owed. I have tried disputing with the credit bureaus to get removed but have not had any success. Please help me to get these removed as they are not owed and i've never received a breakdown for what they're for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you that this is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I 've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not remove the account because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Product: Credit card

Why is that when I reported a Fraud transaction, and then you guys go decided to reverse it? Am I supposed to be responsible for these fraud transaction? what kind of service are you guys providing here?
Product: Student loan

Fed Loan Servicing is currently reporting false and incorrect information to XXXX, XXXX and XXXX. I have sent Fed Loan a certified letter over 30 days ago to validate this debt and to this day they have n't replied. I also have called several times to the # listed on my credit report XXXX and have received they no longer have this account and can not give me any information on this account BUT Fed Loan is verifying and updating to the credit bureaus the last two times I disputed. How can this be if when I 'm calling they have no information to give me? Also this account is over 7years old from. Per FCRA if this account is not removed ASAP I will file a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit report and thus all related reports using Experian show 7 accounts with late payments. I actually have absolutely no accounts with late payments. 

When I try to determine what accounts Experian is referring to in order to file a dispute, all accounts report that there have never been any late payments. 

Each account reports " This item already shows that you are current and the terms of your agreement with the creditor have been met. This means that you were never late with your payments, so this item can not be disputed using this reason. '' There is no way to open a dispute because no account actually has late payments. 

Experian does not provide any way to file a ( necessarily general ) dispute at any of their telephone numbers. It appears impossible to reach a live representative at any of the numerous telephone numbers provided by Experian or found online. 

I would like to open a dispute with Experian requesting specific information on what 7 accounts purportedly have late payments, and upon failure to supply supporting information, have all reports and indications of late payments removed from my credit report.
Product: Money transfer, virtual currency, or money service

Transaction error sending money through XXXX the money in myaccount. Phoned in to cancel transaction. Instead they removed monies out of my account. I notified the bank of fraud. They covered my withdraws then they removed the transactions the fraudulant made. I had to close my account so no futher funds would be withdrawn on my overdrawing my account. Futher explaination is in the letter I'm subitting with a paper trail of the account.
Product: Money transfer, virtual currency, or money service

Made a a transfer and was charged double, which the initial amount was XXXX so I was charged XXXX and didnt get it refunded until later. 

This is also not the first time an incident like this happened to me.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a XXXX  determination letter according to XXXX ( b ) ( XXXX ).
Product: Mortgage

Bringing back the pre-payment penalty to homeowners seeking conventional long-term home loans : My sincere opinion on this subject seems fair and reasonable. It takes much time, talent and work to pull together successfully a home loan for any borrower. As a loan officer connected with a company for 24+ years and enduring much change in the lending world of consumer protection guidelines, it think that when a consumer chooses to pay off a long term mortgage loan inside of 6 months from the closing date, the consumer should be required to pay a pre-payment penalty that would equate to the costs and penalties equal to what lenders and loan officers currently are required to pay or pay back on an early payoff. The loan officer is a consumer too and works hard for their income in ever changing economic conditions. It seems only fair that the home owner should be held responsible for the costs incurred in an early payoff of a long-term conventional home loan. For that purpose, I propose that a 6 months pre-payment penalty should be brought back to the lending industry on Conventional home loans in disclosure regulations.

I don't feel it fair to charge the loan officer and the company they represent for the early payoff costs when they sincerely help the home buyer with their goals of financing the purchase of their homes in a timely manner. A minimum Prepayment penalty can be there to bring knowledge to consumers that there is a Serious cost to providing a long-term home loan to consumers. Getting a home loan is Not Free. Lenders/Loan officers should not have to feel like their livelihood is in jeopardy when a consumer decides to pay off their mortgage inside of 6 months. We shouldn't be tasked to work for free. What professional industry is regulatorily tasked with paying back fairly earned income? Change the regulations.
Product: Credit card

I applied for a Sam 's Club/Synchrony card XX/XX/XXXX for a promotional purchase for one year interest free. At the time of application, I was told I was declined. However, a week later I received a paper stating that I was accepted and should be receiving my cards soon. The only reason I applied was for this promotional purchase, which I ended up putting on another card. When I called Synchrony, I was told that if I go into the Sam 's Club and have them re-bill my new card with the purchase, I could then call in and they would apply the promotional rate. So I did this and called back Synchrony. Now, they are telling me that the promotion ended XXXX XXXX and my purchase was on XXXX XXXX, so my rate will be 23 % instead of the 0 % interest for 12 months. But my purchase was really in XX/XX/XXXX and I do n't know why I was told I was declined. The first customer service agent I talked to tricked me into thinking they would honor the promotional rate if I called back in to get it fixed. Now, I 'm stuck with a purchase at a 23 % interest rate. Had I known they were not going to honor the rate they promised, I would have cancelled the card. But I think they told me they would honor the rate so I would keep the card and be stuck with their 23 % interest rate. They offered me a {$50.00} credit as an " I 'm sorry '', but that is unacceptable given the 23 % interest rate over a year. I would like them to give me the promotional rate of 0 % for 12 months, which they promised me, which is the only reason I keep their card.
Product: Mortgage

My mortgage of {$1000.00} ( monthly ) was sold to Nationstar Mortgage by XXXX XXXX XXXX. Since the inception, It has always been my practice to pay {$1200.00} monthly instead of the amount due, in hopes that I can complete my payment earlier. Once Nationstar received my mortagage, they began charging me a monthly inspection fee of {$10.00} even though no inspection was being done. Upon questioning this in writing, the practice of taking the fee was stopped. Just this month, Nationstar sent me a notice that my regular monthly payment is now {$1300.00} and not the {$1000.00} which was based upon an agreed fixed-rate XXXX-year mortgage. On calling their Customer Service on XXXX, the representative told me that this was an Escrow increase, despite my contract. It is my belief that Nationstar have been conducting fraudulent and dubious business and I am further convinced of this after I took a look at their reviews on XXXX. I need your help.
Product: Debt collection

OnXX/XX/XXXX XXXX XXXX XXXX from Bayside capital collection agency contacted me as well as a family member to collect a debt she threatened me by telling me I would be receiving legal document on XX/XX/XXXX and I still have't received them as of XX/XX/XXXX.
I then contacted on XX/XX/XXXX to XXXX XXXX XXXX and informed her about my situation I 've been unemployed since XX/XX/XXXX so I would need to do in hardship to pay the balance of the payday loan with checkngo.
I called back on XX/XX/XXXX to resolve this problem and to do the hardship of {$50.00} a month for 90 days. I was requesting this information and this agreement in writing documenting the agreement that XXXX XXXX had my loan with XXXX XXXX XXXX.
I would be paying the {$50.00} for 90 days and I also wanted to agree that the amount was going to be {$2200.00} not {$2800.00}. By me paying {$50.00} there would not be any penalties or interest and I wanted all this to be document down in the agreement I also wanted to mail in my payment I was trying to resolve this matter with Bayside Capital collection agency and they did n't want to work with me to resolve this matter.
Product: Checking or savings account

I am yet again filing a complaint against Wells Fargo. I had received a packet of letters posted marked XX/XX/XXXX. At the end of the letter Wells Fargo claims that all of my concerns have been fully addressed. They have avoided my requests and have dodged me each time. They are also claiming that it is my responsibility to review my account statements promptly and carefully and to notify them of any errors. I did notify Wells Fargo of the errors all the way back to XXXX of XXXX. I had kept calling and trying to get someone to future assist me. I was avoided and no one would transfer me to a supervisor in any of the departments. I did my best effort to notify Wells Fargo within around a 2-3 week window of time. I did try sooner but was unable to speak with anyone via telephone. Also I do not have a consumer account agreement with Wells Fargo. They know this that is why they have been avoiding me and getting away with mistreating me.
Product: Student loan

I noticed the amount of interest accumulating on my loans has not been adding up the past several months. I called my loan service provider, Nelnet, for the first time on XX/XX/19 at XXXX and talked to XXXX . He investigated and found a mistake in my Loan Group B, Number 8. One of the loans in this group should not have been placed in this group and so none of my payments have gone to this loan over the past 5 years. Therefore, this loan was accumulating interest non-stop. He stated the mistake would be fixed in 3-5 business days. My main concern was that I would be responsible for paying for all of the interest. Nothing changed for several days so I called again XX/XX/19 at XXXX and talked to XXXX . She agreed that she could see the process was started to remedy the situation but that it was not complete. I got an email XX/XX/19 that my one-time special payment instruction was approved, indicating future payments will now by going to this loan, however all of the interest was still present. I feel I should not be responsible for paying for all of this interest when it was a mistake from my loan service provider.
Product: Credit reporting or other personal consumer reports

I am writing to formally exercise my rights under the Fair Credit Reporting Act ( FCRA ) and Privacy Act of XXXX, as a federally protected consumer, to opt out and rescind any and all prior assumed authorizations of the sharing of my private data and personal information I may have given you, written, non-written, verbal, or non-verbal per 15 U.S. Code 6802.

I hereby request that you cease and desist from sharing or disseminating any of my private data and personal information to third parties, unless explicitly authorized by me in writing. This includes but is not limited to my name, address, social security number, financial information, and any other data that could be deemed sensitive or private.

Furthermore, I revoke any consent that may have been implied or assumed in any previous agreements or interactions with your organization or any affiliated entities. It is my explicit desire that my private data and personal information be kept confidential and only used for the purposes explicitly agreed upon, approved of and authorized in written form by the consumer, in any contracts or agreements between myself and your organization.

Please consider this letter as a formal notice of my intent to opt out of any data sharing practices and to rescind any prior authorizations. As such, I expect immediate compliance with my request and confirmation of action taken within the timeframe required by law.

Failure to comply with this request may result in legal action, including but not limited to pursuing remedies available under the FCRA, Privacy Act of XXXX, and other applicable statutes.

Thank you for your prompt attention to this matter. I trust that you will handle my private data and personal information with the utmost care and respect for my privacy rights.
Product: Credit reporting or other personal consumer reports

My personal information was exposed in a data breach. This account listed below does not belong to me. 

XXXX XXXX XXXX- Acct # : XXXX, Bal- {$170.00}, Opened : XX/XX/year>XXXX XXXX
Product: Credit reporting or other personal consumer reports

I uploaded all the fraudulent accounts that was open under my name the previous years 2 car loans, one credit card account, 4 XXXX  accounts most of them are on my XXXX credit report, transunion, XXXX
Product: Credit card or prepaid card

Nordstrom Credit card was opened fraudulently using my personal information, This was not authorized by me. 

See attached FTC affidavit of identity theft.
Product: Debt collection

Received a notice that Vance & Huffman LLC has a collections item on my credit report. I believe the debt is paid. I asked for proof it is not paid and that they own it. None has been provided. I want them to remove the account and cease activities.