23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, I filled out an online application for an Amex Business Credit Card using my business XXXX number as required. The form also required my personal SSN for identity verification only. However, I was surprised to receive a hard inquiry notification on my personal credit report on XX/XX/XXXX while my application was still pending approval and needed additional business information as per Amex 's email. I immediately called Amex on XX/XX/XXXX and spoke with XXXX, who assured me that a hard inquiry should not appear on my personal credit report since my application was not yet approved and that it should reflect as a soft inquiry upon approval. Despite my concerns, XXXX kept insisting that I allow her to process my application for approval, but I refused. I requested to speak with a supervisor and was connected to XXXX, who mentioned congrats on my Business card approval with XXXX. I informed her that I did not XXXX her the consent to process my application further. XXXX apologized for XXXX 's behavior and acknowledged that the hard inquiry should have been a soft one. ( Please note that a soft inquiry from Amex was also posted on my personal credit report on XX/XX/XXXX ). XXXX promised to contact XXXX and have the hard inquiry removed from my personal credit report. She also advised me to consider leaving the unauthorized Amex XXXX XXXX approved, as closing it would negatively impact my XXXX XXXX and she does not want to overwhelm me. However, I insisted on closing the card as the approval was clearly without my consent, and as a consumer, I was starting to feel very uncomfortable with the unorthodox behaviour from Amex. XXXX provided me with a reference number and assured that these situations would be communicated to XXXX and that the unauthorized hard inquiry would be removed from my personal credit report. I was then connected to another agent, XXXX, who closed the unauthorized Amex Business Credit and informed me that the card had already been shipped today, but that I should dispose of it upon receipt. Unfortunately, Amex did not reach out to XXXX as promised, and XXXX from XXXX informed me that they can not remove the hard inquiry from my personal credit report unless they hear from Amex. As a consumer, I feel that my rights have been disregarded by Amex 's fraudulent and cunning behavior. Please, I urge you to help me set this right and protect consumers like myself. It is unfair that I have an unauthorized hard inquiry on my personal credit report and I would like it removed. Amex needs to be accountable and in check to better protect us as consumers. Thank you.
Product: Checking or savings account

On XX/XX/2023 a total of {$1100.00} plus {$120.00} fee was held due to a legal order from XXXX On XX/XX/XXXX I received a Notice of Legal Order via email stating the funds were being held until the XXXX unless told otherwise at which point they would be sent to the XXXX. 

I dealt with the XXXX there was an error on their end I had to fax them some info in the meantime they released partial funds On XX/XX/XXXX partial funds in the amount of {$650.00} was returned back to my account. 

Everything was received and approved by the XXXX on Monday XX/XX/XXXX at which point the faxed to the bank to release the hold and return funds to me. I called the bank on this day to verify the received the fax the person I spoke to said yes they reversed the fee of {$120.00} and said it would take XXXX to return back to my account the remaining {$500.00} I called today XX/XX/XXXX to ask about the status of the credit back to my account at which point I was informed that the money ( {$500.00} ) was sent to the XXXX on XX/XX/XXXX. 

I have called them ( Bank of America ) 5 times today have been hung up on XXXX of those 5 times. I have been requesting the Notice of Legal Order to send that money to the XXXX BEFORE the XX/XX/XXXX deadline on their notice to me. They refuse to provide it saying they dont have to provide it for me the money has been sent to the XXXX and there is nothing they can do to credit my account that money. 

Im looking for some kind of accountability on why they did something without informing me and that goes against the notice I was given. I was rushing to get everything the XXXX was requesting within the time frame of XX/XX/XXXX based on the notice I received from the bank so why did they break their notice without informing me. Im just looking for a Legal Notice to send my money to the XXXX before the date on the Notice because the XXXX said they DID NOT provide that to them so who authorized the early transfer and why?
Product: Credit reporting or other personal consumer reports

Dear LexisNexis, I am writing to inquire about your data sharing practices with credit reporting agencies, specifically the three major bureaus : XXXX XXXX XXXX XXXX 

I understand that LexisNexis collects public record information on individuals. I am interested in knowing if this data is routinely shared with these credit bureaus. 

If you do share public record information with credit bureaus, could you please elaborate on the types of data that are typically included? 

Thank you for your time and clarification on this matter. 

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

Affirm # XXXX is reporting a collection account that I should not owe to my credit. This was for a set of furniture I never received and now they are trying to collect on it. I do not owe this, I never received the furniture this was for and I should not owe money on something I did not get. This needs to be deleted off of my credit.
Product: Debt collection

We were told we did not have to pay any lease break fees. We moved on accordingly. A year later, they are sending a large amount to collections out of nowhere and they are ignoring our attorney.
Product: Student loan

I am currently not receiving credit ( payment counts for the Public Service Loan Forgiveness Program ) for loan payments made from XXXX XXXX XXXX  to ACS who served as my loan servicer at that time. I did not request a deferment or forbearance and made monthly payments at this time. The number I was provided to contact this entity ( XXXX ) does not appear to be in service.
Product: Vehicle loan or lease

Someone stole my ID and Social Security Card including other personal items, including my computer. They later used my information to obtain a Automobile loan. The following account was fraudulently opened in my name and I ask that it be Deleted : WFDS Opened : XX/XX/19 Amount : XXXX I also ask that the fraudulent inquiries be deleted also : WFDS XX/XX/19, XX/XX/19, XX/XX/19
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I submitted a dispute to Experian regarding an improper collections reporting on my credit report. I submitted a letter from my health insurer indicating that the collections was pending a claims payment and I was not responsible for the payment. The collections agency is improperly reporting the claim even though they are aware that I am not responsible for payment and my insurer is paying the claim. I spoke with an Experian agent on the same day to confirm that I submitted the dispute and paperwork. Experian resolved the dispute on XX/XX/2023 and stated the collections was accurate. I am not sure what else to do as I submitted everything showing that I am not responsible for the collections. Experian 's site does not allow me to locate the contents of my dispute and I did not receive a copy of my dispute for my records. Experian continues to report the collections even though they were provided the necessary information to remove it.
Product: Payday loan, title loan, personal loan, or advance loan

I was in a financial burden, I had applied obtained and repay multiple loans with NetCredit but it wasnt until recently that I understood interest rate. I XXXX  and in Florida the interest rate NetCredit has and I have been paying is not legal. I need some help and direction please its affecting my credit and its a financial burden. Thank you in advance.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX Bank OF America XXXX XXXX XXXX XXXX XXXX, DE XXXX Date : XX/XX/2020 RE : XXXX To Whom It May Concern : I am writing to challenge the reporting and compliance on an account with { BANK OF AMERICA } that is being reported on my credit report with inaccurate/ incorrect Balance Info. 

More specifically, I am referencing the fact that you are reporting an inaccurate reporting/ a collection account on my credit report. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Debt collection

I have credit card fraud and third-party consumers trying to collect from me
Product: Credit reporting or other personal consumer reports

I applied for a credit line increase and was denied by Capital one stating that there is legal action pending against the applicant. When I called and spoke with them I was not given a clear answer. Was ask if if I have a judgment or a garnishment against me in which I replied no. I also stated that I have XXXX accounts in collection as well, and was advised to file a complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance the the fair credit reporting act XXXX account, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

Good afternoon, In XXXX, I created my company XXXX XXXX and I needed to open a Business account. So I chose Chase because they had an offer when you did a deposit of XXXX XXXX you did not have to pay monthly fees for new Business account. 
Beginning of XXXX, I have started receiving monthly fees to pay with no notification from Chase that they changed their rules of having now a minimum of XXXX $ of deposit. 
So I had an appointment in XX/XX/XXXX to explain the situation with my contact at XXXX XXXX Chase branch ( with XXXX XXXX ). She supposed to reimburse the current fees and I had a check of XXXX $ to have a total of XXXX $ as a start. 
But the next month I have been continuing having fees of XXXX $ per month. I have let several voicemails and emails to XXXX XXXX to understand why I was having ( and still have ) this situation. 
XX/XX/XXXX I called the Chase Service Center after talking to 3 different agents, the only answers were : ''Try another branch '', ''Try to have another appointment with the same contact '' or ''we can not help you online ''. 
My Business account statement from XX/XX/XXXX ( attached ) shows exactly that what I did was supposed to be done but they did not stop de monthly fees. 
I have no other solution to complete this complain because I do know how to fix this situation which is originally a Chase ' mistake. 
Regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

i am a victim of XXXX  XXXX, i have uploaded supporting documents to support my cliam on this matter, please take the time and review all the documents i have submitted.
Product: Money transfer, virtual currency, or money service

Hi there, I have the following issue with Coinbase : On XXXX XXXX ( more than a month ago! ) I initiated a withdrawal of XXXX euros from my Coinbase account to my XXXX bank account. The site indicated that the withdrawal had been initiated and the money will arrive to the bank account in the matter of few days. After a few day the withdrawal on their site was marked as 'Completed '. However, money did n't appear after 7 day, when I submitted a request to Coinbase, asking where is my money. No one got back to me. Over past few week I tried to reach them using different channels like XXXX, XXXX, but with no success. Please hep! 

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

XXXX, XXXX, Transunion, have been reporting incorrect items on my credit which my family and I tremendous turmoil and hardship. I have submitted a total of 3 letter disputing the issue including submitting court documents reassuring my claims to no vial. 
enclosed, please find letters with supporting documents previously sent to the companies above.
Product: Mortgage

Paid large chunk of mortgage to rocket mortgage. 

LTV is now at 76 % They refused to remove PMI stating : Under HPA, lenders must remove PMI automatically at 78 % LTV ( based on the original property value at the time of purchase ) .An appraisal is NOT required for automatic termination. 

Response was the backing lender requires an evaluation and fee to remove. 

Told them this was predatory and regulatory violation. 
PA Section 4902 ( b ) Automatic PMI Termination at 78 % LTV PMI must be automatically canceled once the mortgage balance reaches 78 % of the original property value, assuming payments are current. 
No new appraisal is required for automatic termination. 
HPA Section 4902 ( a ) Borrower-Initiated PMI Removal at 80 % LTV Borrowers can request PMI removal at 80 % LTV, but lenders may require a new appraisal to confirm that the home has not depreciated. 
However, since you're at 76 % LTV, the 78 % automatic removal rule applies, meaning the lender can not legally require an appraisal. 

They continued to state that it is required. 

I posted the law in chat ; they then switched to saying its a XXXX and not a evaluation. 

Again 2-3 month delay tactic and a fee charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six attempts to tell you that I am a victim of identity theft and I complain some inaccurate records and I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. No one seems to care, please delete the inaccurate information in my credit record that came about due to an alleged fraud. The following inaccurate information needs to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Product: Checking or savings account

Back on XX/XX/XXXX, I contacted Bank of America after I found that my account had been emptied. They opened a fraud claim in the amount of {$6300.00} as that is the amount they determined was unauthorized and it was denied on 3 different occasions when I tried to resubmit. When the claim was denied for a 3rd time, I contacted the claims office and got a supervisor on the phone who told me I needed to file each transaction individually. I was able to get 3 claims submitted out of over 60+ transactions that took place from XXXX. I was told to wait on the outcome of those claims before trying to submit any additional claims. 

Those 3 claims had all temporary credits made permanent as of XX/XX/XXXX. I contacted BOA on XX/XX/XXXX and explained the situation to a manager named XXXX. She sat on the phone with me for over 90 minutes and went through all of the transactions to get filed. She submitted the claim and we got off the phone, but her last comment was that the temporary credit should be applied quickly, and there should be no issue getting it after all this trouble. The total amount of the claim was {$7100.00}. 
We received temporary credit of {$300.00} that night and {$3900.00} the next day by noon. When I called to inquire about the rest of the money as those were not the amounts I was told. I was informed on Wednesday XX/XX/XXXX that the temporary credits on the other two claims were a " courtesy '' and there was no guarantee that they would be handled the same as these were submitted individually. One claim for {$300.00}, one for {$3900.00} and one for {$1800.00}. The problem was that there was {$1100.00} still missing that hadn't even been filed. 
After many calls in, I was told that the {$1100.00} in claims would need to be filed on one of the original claims that was filed incorrectly by BOA and that the research department would have to make the determination if it can be reopened. This to me was unacceptable. On 4 different occasions up to this point, BOA has messed up the filing each time. Had this been done correctly in the first place, we most likely would not be having any conversations. But the claim was escalated for review and temporary credit on XX/XX/XXXX and I was to have a response with in 2 business days, and as of right now at XXXX XXXX on XX/XX/XXXX, I have received the temporary credit for the {$1800.00} claim, but no response at all on the {$1100.00} claim.
Product: Checking or savings account

An account was opened with Bank of America in my name. Did not open said account. I called and had the account closed and was given a claim number XXXX. I also filed credit freezes with XXXX, XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TN  XXXX   XXXX  Public Record Date Status Amount Legal Item Apr  XXXX ,   XXXX   Paid {$6900.00}  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Apr  XXXX ,   XXXX   Status Paid Amount {$6900.00} Classification Legal Item Type  XXXX  Contact Details  XXXX   XXXX  SESSION  XXXX   XXXX   XXXX   XXXX , TN  XXXX  (  XXXX  )  XXXX  Since you currently have an open dispute request, you ca n't dispute any other errors through   XXXX   XXXX   at this time. If you found new errors to dispute with TransUnion, please wait for your prior dispute request to be processed or contact TransUnion directly.   See the details here  XXXX   XXXX   XXXX  on your credit report This debt is with  XXXX   XXXX   XXXX . I have included the doc number and phone number. This debt was never mine. It has been paid in full but still remains on my TransUnion report. You need to contact them at the number indicated above and have it completely removed as a public record. Thanks
Product: Credit reporting or other personal consumer reports

EDFINANCIAL account XXXX is reporting wrong on my credit report my account is paid in full as of XX/XX/year> under the law fcra is must be accurate! its showing i owe EDF XXXX, WICH IS NOT ACCURATE I ONLY OWE XXXX XXXX AFTER MYLOANS WAS CONSOLIDATION THIS DEBT RATIO IS HURTING MY CREDIT I NEED ALL INFORMATION ACCURATE ON MY REPORT BY LAW IT MUST BE ACCURATE!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two derogatory marks on my Equifax report. The two marks are in collections. I have no knowledge of these two accounts and feel that they are inaccurate. One account has been on my credit since XXXX of 2014. The creditor of this account is XXXX XXXX XXXX and the amount is for {$210.00}. The other collections account that is affecting my Equifax report is XXXX XXXX XXXX XXXX. The amount of this collection is {$45.00}. This report is not to my knowledge and inaccurate.
Product: Credit card or prepaid card

I am supposed to have 5 % back on all purchases for the first 90 days of opening this account. Chase has purposely slowed payments I have made which has left me with no available credit to make purchases in excess of 5 business days or more. Chase cites fraud protection but I have made multiple payments using the exact same method of payment ( my bank ) which has cleared with no problems. I called to ask if Chase could extend the offer by another 90 days and Chase offered nothing only telling me to request a credit limit increase. I am trying to buy a house and this is hurting my credit by showing I have a higher debt to income ratio because I can normally pay the card off right away but Chase continues to hold every payment up for multiple days much longer than necessary. I just want chase to honor their promotional terms. Saying I have 90 days to utilize this promotion and purposely placing my payment on hold is not honoring your terms. I spoke to a rep yesterday about my payment finally being applied to my account and I was told that amount would be available by today, and this amount is not available like they told me. This is the second time they have given me false information in regards to my available credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an 'alert ' that there was a NEW credit INQURY placed on my credit reports on XX/XX/2018. This information was reported by a Company called CREDCO. 
I contacted CREDCO on XX/XX/2018 at XXXX. I spoke to XXXX at Credco to let her know that I DID NOT authorize any credit check on my account. I was told by XXXX that the request was made by XXXX XXXX XXXX. I explained that I had NO Business with XXXX XXXX XXXX, I did NOT AUTHORIZE any transaction of credit from XXXX XXXX XXXX. XXXX told me she would issue a dispute. I NOW receive a letter dated XX/XX/2018 from CREDCO on XX/XX/18 indicating " our client XXXX XXXX '' ordered your credit report through Credco that contained credit info based on each of the NCRA 's. We contacted XXXX XXXX XXXX XXXX and informed us that it accessed your credit report pursuant to your verbal authorization connection with a mortgage transaction '' I NEVER authorized XXXX XXXX to run a credit report, I HAD NO MORTGAGE transaction current with XXXX XXXX, the last MORTGAGE I had was over 10 years ago in the year of XXXX This is preposterous VIOLATION of the FCRA , and I also called XXXX XXXX at XXXX, who gave me the run around. PLEASE look into this wrong full credit run from CREDCO.
Product: Checking or savings account

On XX/XX/2020, I used Fifth Third Bank 's mobile deposit platform to deposit a check written by me from my own personal business on an account at another institution. This check was placed on hold to the tune of {$1000.00}, which to me is a substantial amount of money, and will prohibit me from using my account until the hold is released. Bank manager XXXX explained that the bank conducts this type of behavior " all the time '' when mobile deposits are made. Federal Reserve Reg CC allows for certain reasons to place holds on deposits, and requires banks to notify consumers if a hold is placed. I have received NO notice of the hold through mail, email, or telephone. NO reason was provided for the hold being placed even after I called Fifth Third and asked for an explanation. They have been holding my account hostage for 6 days now. That's plenty of time to get me a letter in the mail explaining why they placed a hold. My account is not new, the deposit was not over {$5000.00}, the account is not repeatedly overdrawn, I can PROVE collectibility on the check so there is no reasonable doubt thereof, and this is not a redeposited check. As far as I can tell, there is NO valid reason for the hold to have been placed, which means the bank is operating outside Reg CC guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Bankruptcy XXXX  XXXX reference # 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 with my written instructions
Product: Debt collection

I have already filed a claim with this Klarna regarding accounts and tried to get this resolved however I am just not getting anywhere just more debt and accounts being turned over to collections. I have explained that my debit card information that was used was closed due to fraudulent behavior. My account was used without my consent or knowledge.