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

On Monday the XXXX I submitted an external transfer request to a account in my name with a different bank. They rejected the transfer and froze my account saying I need to call to get it unrestricted. 

I called and they only tell me a department is reviewing it. To give them up to 48 hours. 

This is time frame is unacceptable. This is my hard earned money from my W2 job I simply wanted to transfer to a different account.I have bills to pay and need access to my money for transfers and ATM withdrawals. 

Please help me get access to my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I applied for credit with XXXX XXXX and the reporting agency reported my credit score at XXXX this score is completely wrong. My credit score in XXXX, there may have been a typo on the application or an error with in the company XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The major Credit bureaus XXXX, XXXX, and Equifax each stated my account was properly investigated but how is that possible if on multiple accounts inaccuracies and misinformation on the status of the open dates, high credit, my full name, date of birth, months within the term, etc. as per the attached file. These are all grounds for removal as they've violated my rights under 15 U.S. code 1681 section XXXX A. States I have a right to privacy.

15 U.S. code 1681 section XXXX A Section XXXX. It also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the credit bureaus took more than XXXX days to complete my investigation and while my certified mail tracking # has been displaced, here are my complaint numbers, XXXX and XXXX. 

What originally happened was I checked my credit reports as recent as XXXX XXXX XXXX and noticed that there was an account by XXXX XXXX with details that were out of place and needed to be changed in order to better reflect on my credit score and consumer report history. I showed not only copies of my report but cited the issues and while my complaint was read it wasn't addressed and removed per the fair resolution I offered. I not only pay to have copies of my credit report from XXXX but to have membership benefits that allow me to see what's on my XXXX and Equifax reports as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX CREDIT CARD Opened XX/XX/XXXX, Account closed by Granter, I never opened this account, it doesnt belong to me XXXX   XXXX # XXXX Opened XX/XX/XXXX CREDIT CARD Balance {$680.00}, I never opened this account, it doesnt belong to me XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX Balanced {$670.00}, I never opened this account, it doesnt belong to me Account # XXXX XXXX  XXXX XXXX Account opened XX/XX/XXXX Balance {$580.00} Account # XXXX I never opened this account, it doesnt belong to me XXXX XXXXXXXX Account opened XX/XX/XXXX Balance {$500.00} # XXXX I never opened this account, it doesnt belong to me XXXX XXXX XXXX Account Opened XX/XX/XXXX Balance {$380.00} Account # XXXX I never opened this account, it doesnt belong to me XXXX XXXX Account opened XX/XX/XXXX Balance {$50.00} # XXXX I never opened this account, it doesnt belong to me XXXX XXXX Account opened XX/XX/XXXX balanced {$30.00} # XXXX, I never opened this account, it doesnt belong to me XXXX XXXX   Account Opened XX/XX/XXXX Balance {$20.00} # XXXX, I never opened this account, it doesnt belong to me XXXX XXXX  Account Opened XX/XX/XXXX Balance {$20.00} # XXXX, I never opened this account, it doesnt belong to me XXXX XXXX Account Opened XX/XX/XXXX Balanced {$20.00} # XXXX, I never opened this account, it doesnt belong to me XXXX XXXX Account Opened XX/XX/XXXX Balance {$20.00} # XXXX, I never opened this account, it doesnt belong to me XXXX XXXX   Account Opened XX/XX/XXXX Balanced {$20.00} # XXXX, I never opened this account, it doesnt belong to me XXXX XXXX Account Opened XX/XX/XXXX Balanced {$20.00} # XXXX, I never opened this account, it doesnt belong to me XXXX XXXX Account Opened XX/XX/XXXX Account Balanced {$20.00} # XXXX, I never opened this account, it doesnt belong to me XXXX XXXX Account Opened XX/XX/XXXX Balance {$20.00} # XXXX, I never opened this account, it doesnt belong to me XXXX XXXX Account Opened XX/XX/XXXX Balanced {$20.00} # XXXX, I never opened this account, it doesnt belong to me XXXX XXXX   Account Opened XX/XX/XXXX Balanced {$20.00} # XXXX, I never opened this account, it doesnt belong to me XXXX XXXX  Account Opened XX/XX/XXXX Balanced {$20.00} # XXXX, I never opened this account, it doesnt belong to me XXXX XXXX Account Opened XX/XX/XXXX Balanced {$20.00} # XXXX, I never opened this account, it doesnt belong to me XXXX XXXX Account Opened XX/XX/XXXX Balanced {$20.00} # XXXX, I never opened this account, it doesnt belong to me XXXX XXXX   Account Opened XX/XX/XXXX Balanced {$20.00} # XXXX I never opened this account, it doesnt belong to me XXXX XXXX XXXX  Account Opened XX/XX/XXXX Balance {$0.00} # XXXX I never opened this account, it doesnt belong to me XXXX XXXX Account Opened XX/XX/XXXX Balance {$0.00} # XXXX I never opened this account, it doesnt belong to me XXXX XXXX   Account Opened XX/XX/XXXX Balanced {$0.00} # XXXX I never opened this account, it doesnt belong to me XXXX XXXX Account Opened XX/XX/XXXX Balanced {$0.00} # XXXX I never opened this account, it doesnt belong to me
Product: Credit card or prepaid card

On XX/XX/2019, I was approved by Citi for the Citi / AAdvantage Platinum Select World Elite Mastercard with a credit limit of {$13000.00}. 

The offer at the time was : Earn 60,000 miles after spending {$3000.00} within the first 3 months of account opening. I have a screen shot of this very promo from Citi 's own website.

When I received my card in the mail, a letter said that I would earn 40,000 miles if I spent {$2000.00} within the first 3 months of account opening. 

I called Citi on XX/XX/2019 and informed them of the issue, that I had received the wrong promotion. They sent my concern on to the marketing department. I then received a letter in the mail from Citi saying that I had not been solicited for that offer. 

I called Citi back on XX/XX/2019 stating that I had a screen shot of the offer I applied for. They had me email the screen shot to an email address at Citi that is for XXXX XXXX promotions. 

I hadn't heard anything back for nearly a month, so I sent an email to the given email address yesterday ( XX/XX/2019 ) asking for a response. As I hadn't heard anything today ( XX/XX/2019 ), I called Citi support. 

I was told that they did in fact receive my screen shot, but apparently they would not apply the proper promo to my account for this circular reason : Allegedly, I was not solicited, with a letter in my name, offering me the 60k miles promo. I wasn't, to my recollection, sent an offer for the $ 40k either. Because their own website did not have my name on the offer ( which it logically wouldn't ), the promo did not necessary apply to me **even though I was approved for the card when I applied for the card under the offer**. 
So I wasn't " technically '' offered the 60k promo, but I was allowed to apply for the card under it **and I was approved**. 

This is false promotion and messaging.
Product: Debt collection

XX/XX/year> I reached out to ask about getting my information on PayPal credit and seeing how much the original total was. They said it's no longer owed to PayPal credit but to them. And that I might see statements in my account on their website. But I don't see that information on their website or any statements. 
Another issue is not being able to reduce the amount either, despite not being sure if the amount they are charging me is the correct amount. I have no way of verifying or validating the amount. 

Ive already been paying for a few months not realizing im supposed to verify it right away. So I was trying to do that today.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I use a credit monitoring service, I was alerted yesterday XX/XX/XXXX, that a hard pull was run on my credit on XX/XX/XXXX through Equifax from a company called XXXX. After some research I found out this is XXXX. I have not applied for any credit cards or loans and did not give this company consent to run my credit. I have reached out to the company and still have not gotten a reply back. I have never had an account with this company so I do not have any access to know what amount was given or who has access to it.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 16 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a closed secured loan account opened at XXXX XXXX XXXX XXXXXXXX on XX/XX/2021 under the account number ( private ). This account have resulted in a fraudulent closed account appearing on my consumer XXXX credit report. I have attached a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( # private case number ) as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Debt collection

On XX/XX/year> I received a letter from Gurstel Law Firm, P.C stating that I owe XXXXXXXX XXXX  {$5100.00} account # XXXX I replied on XX/XX/year> stating that I dont recognize this alleged debt against my name and requested to provide me documents to validate this allege debt. I requested a validation letter to show evidence that I have any legal obligation to pay them. I also requested an original consumer contract or agreement. A copy of chain of title or purchase agreement that grants them authority to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the inaccuracies on my credit report. It has been well over 30 days, and I haven't received any investigation results.
Product: Money transfer, virtual currency, or money service

Ive started emailing this company on XX/XX/2022 to close my account. Ive sent over 15 emails and none has been responded to. Since then on XX/XX/2022 they have charged my account a yearly fee of XXXX XXXX. I cant even withdraw credit and it says my bank is no longer linked which I find it funny they were still able to receive my money. Every time I try to connect my bank it gives me an error message and say we are working on this problem.
Product: Mortgage

I have a active sale for the property in place and I have been given the run around trying to receive a payoff for settlement which is this Wednesday coming XX/XX/2022 at XXXX XXXX. I have called numerous time and was told, oh just have your agent to call that day, its to early for a payoff etc. Finally yesterday I was able to get someone to agree to send a payoff but they said it would now take XXXX business days. XXXX business days exceeds the time of when settlement will take place. My PA real estate agent has called as I have her listed on file with the mortgage company her name is XXXX XXXX, still we can not even get a verbal payoff. 
If we dont get help before next Wednesday, the deal will be lost and then I will lose my home to foreclosure. Its almost like the mortgage company wishes for my home to proceed to foreclosure, so that they can reap the benefits of destroying my life and taking a profit in for themselves. Please please help me!
Product: Debt collection

I have been receiving texts from " XXXX '' since XX/XX/year> from January. The message is as follows : " January is a debt collector. We've partnered with XXXX XXXX XXXX XXXX to resolve your XXXX lease balance balance. Log into our secure website january.com/b/wK1a6qA6xCs= for details. Reply STOP to stop. '' I did not click the link in the message because I was afraid it was fraudulent, so I went to January 's website directly. The process prompted me to enter my last 4 of my SSN, so I did. It said none of their records matched my SSN. 

I do not have any unpaid debt, and I even pulled my XXXX credit report before submitting this to ensure nothing was charged without my knowledge.
Product: Vehicle loan or lease

1 # MY CALL IS ENDLESS WITH THE NFCU AND ITS WEAK CUSTOMER SERVICE AND MANAGEMENT ON THE PHONE TODAY. 
WHY DO YOU FEEL LIKE ITS OK TO XXXX ME AND WHEN I GET MAD YOUR ANSWER IS TO HANG UP ... WHAT THE XXXX! 
I HAVE A PROBELM WITH A SIMPLE FACT I SET UP WITH YOU ON A RECOREDED LINE TO PAY XXXX TO PRINCIPLE. WHEN DOING SO YOUR REPRESENTATIVE NEVER SAID ANY AMOUT WAS GOING TO PRINCPLE. MY 1ST PAYMENT IS DUE XX/XX/22 AND I PAID WELL IN ADVANCE NEVER BEING TOLD MY XXXX WILL NOT GO TO PRINCIPLE. 
# 2 MY CREDIT CARDS : THE ONE WITH MY SON XXXX XXXX ENDING IN XXXX SHOWS UNLOCKED YET WHEN ITS BEING USED FOR XXXX IT IS DECLINED. YOU ARE A MESS AND I AM TIRED OF TRYING TO SPEND ENDLESS HOURS TO FIGURE XXXX OUT. 
FIX YOUR APP/WEB APPLICATIONS THAT ALLOW ME TO HAVE CONTROL OF MY MONEY AND MANAGEMENT GET IN LINE WITH HELPING PEOPLE AND TRY TO UNDERSTAND THE FRUSTERATION WHEN YOU XXXX WITH MY FINANCES!!!!
Product: Credit card or prepaid card

Chase sent an email offering a credit line increase pre-approved with no credit check. When I followed the link to the offer the same day it said the offer was no longer available. I sent a message using their secure messaging site and was told there was an issue they were working to resolve and to try again later. I tried again later with the same result and in the meantime received a letter in the mail with the same offer. I called to speak with the customer support team and they told me they didn't have an XXXX for when the issue would be resolved but it would be a few days. I sent them a message again a week later and was told that the offer was no longer available, though both communications I received stated the offer expired on XX/XX/30. I replied explaining that they'd made an offer and had not abided by it and they said since there was no further action to take they would not be responding to additional requests. 

So Chase made an offer via email as well as postal mail and then failed to deliver what was offered.
Product: Credit reporting or other personal consumer reports

I reached out to all the credit bureaus about how did they get that information on my credit report because the bankruptcy court clearly stated that they do not report to the credit bureaus. I was told that they use a third-party who is also not approved by the courts to put this type of information on my credit report.
Product: Student loan

With the student loan forgiveness going into effect, ed financial is stating that they need 170 days to process. We were told by the government that we can easily request a refund for our loans. The loan servicer is stating they did not get any information regarding loans and that they are backed up. They are giving false information and know how to proceed with the loans and are not doing so. I will lose out on loan forgiveness. I requested a refund on XX/XX/XXXX and have not received any confirmation of a refund or anything. 

I need my refund for dates XX/XX/XXXX - XXXX $ XX/XX/XXXX - XXXX $ XX/XX/XXXX - XXXX $ XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just had this issue opened. Shellpoint removed from XXXX credit report and now Today I was just alerted it was added to my XXXX report. This Mortgage needs removed immediately from all credit reports and not to be added again
Product: Checking or savings account

I had an online banking account with Wells Fargo Bank but since then Wells Fargo Bank has been preventing me online access to my checking account and XXXX my XXXX brokerage accounts ( XXXX taxable, the other IRA ) And THIS despite many attempts on my part to gain online access! 

I am a senior citizen of very advanced age and, most unfortunately, have several LIFE-THREATENING medical conditions. And THUS : I can not just pop over to the local Wells Fargo Bank branch here in XXXX, New Jersey! 

I have repeatedly told Wells Fargo bank about my very advanced age and LIFE-THREATENING medical conditions but apparently they do not care at all. 

AND SO : I have no idea the status of my aforementioned accounts despite my very best efforts to keep my checking account IN BALANCE! 

I have received perhaps a dozen or more emails from Wells Fargo Bank that my balance in my checking account registers " zero balance '' and this despite my having added additional funds! 

Upon information and belief, Wells Fargo Bank is adding fee after fee such that my aforementioned banking account can not at all remain IN BALANCE! 

To add gross insult to gross injury, Wells Fargo Bank DEMANDS that I MUST have a mobil phone in order to access my aforementioned accounts on line! THIS despite both my beloved and loving wife, best friend, and soulmate XXXX, also a customer of Wells Fargo Bank, and I repeatedly but repeatedly but repeatedly stating that WE DO NOT HAVE A MOBILE PHONE!!!!!!!!!
Product: Credit reporting, credit repair services, 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 this account ( A ). It is not permissible to fail to validate this reporting account 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 XXXXXXXX XXXX Balance : {$2900.00}.
Product: Credit reporting

I had disputed via the online system with Equifax information in regard to XXXX public records listed on my credit report. They immediately responded to me 5 days later that the information had been verified. I received this information : Public Record Information This section includes public record items Equifax obtained from local, state and federal courts through a third party vendor, XXXX. 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX https : //equifaxconsumers.XXXX XXXX I called XXXX XXXX by phone today at the number Equifax provided at XXXX. I was transferred to the Public Records division. I was told that there is no record of Equifax contacting them about information listed on my file because my file is frozen. My XXXX XXXX file was frozen on XX/XX/2017 and NO information is accessible. I was also mailed a PIN to my home address in the event I wanted to un-freeze, which I have not done! 

They stated NO ONE has the ability to access my record with XXXX XXXX because the file is frozen. I am confused as to whom Equifax spoke with or verified the information with because of the information given to me by XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I have noticed that there were four XXXX transactions posted on my business account ( # XXXX ) without my authorization on XX/XX/XXXX. I tried to reach the Chase customer claim department on XX/XX/XXXX, but it was closed by the time I called. On XX/XX/XXXX, I reported a claim for this incident. 
1 had never received any kind of one-time passcode and/or transaction alert from Chase Bank regarding this XXXX XXXX and when I tried to reset my password to protect further fraud activity, I noticed that my original phone number, which is XXXX, was replaced to unfamiliar number ( XXXX ), that I didn't recognize and had never used before. which explains why I didn't receive any alert or message from Chase because the phone number was changed. 
I've never had any interaction with any potential fraudulent activities over the phone or via email. But from my phone conversation with the Claim Department on XX/XX/XXXX, I was informed by the Chase representative that my personal computer was compromised. 
No one from my family or business partners has had my account login information. I've also never written on a hard/soft copy of my account login information. This begs the question of how this could have happened given how cautious I am with personal information details. 
From the transaction details, I understood that an amount of {$3500.00} was transferred to an account registered in XXXX, XXXX, and the other three transactions, for an amount of {$4900.00} each, were transferred to an account registered in XXXX, XXXX. In both of these areas, I've had no personal or business interactions with anyone. I only access my account from my personal XXXX XXXX and XXXX XXXX XXXX, and have not left the XXXX, Texas area since the beginning of XXXX.
Product: Money transfer, virtual currency, or money service

XXXX continues to have misleading XXXX services. On XX/XX/year> I tried to send a XXXX transfer to another bank for {$800.00}. Prior to sending the money XXXX  system tells you the processing time of the transfer. Prior to submitting the XXXX the system said that the money will be sent and received immediately on XX/XX/year>. Upon pressing send the system then came back and now says money wont be received till XX/XX/year>. 

I called XXXX on XX/XX/year> to explain that it system said one time frame and then after pressing submit it gave another. I reached out to its management area and received horrible customer service. Not only was I talked to rudely and in a condensing manner I was also hung up on after expressing I wanted to log a complaint. 

XXXX XXXX system is misleading and very deceptive. More importantly the way this bank handled the call after the fact was horrible. This has been an ongoing problem with XXXX and as a result of the way they handle business and how they deal with its customers I will evaluate my relationship with this bank to possibly close the relationship. feel beyond mislead and disrespected.