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

I invested in a XXXX  month rising rate CD with Santander Bank in XXXX of 2022 at 0.2 %. I chose this CD because I was told I could make a one time rate adjustment anytime during the term and was expecting that rates to go up. 
Last fall I went to my local branch and requested that the CD rate be adjusted according to the terms of its rising rate. The bank employee checked with a central office and was told that the rising rate CD was no longer offered. Of course, I still had that product, but they refused to honor their commitment. 
Instead, I was offered good rate of 4.16 %, but required to close my CD and invest in a new XXXX  month CD. I really wanted this rate but with the expiration date to match the rising rate CD that I had. The bank refused. I was upset, but decided not to fight them. My rising rate CD was closed on XX/XX/2022 and I was given the XXXX  month CD. 
When I was preparing my tax return, I noticed that Santander had charged me an early withdrawal penalty ( which I had been told when I accepted the new CD would not happen ). This was again an example of their refusing to adhere to commitments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Finance got me 30 month late and I was in the hospital and I wasnt able to pay that month I have asked them to work with me but they chose to not work with me! I have asked them to remove the XXXX late off my account because of me being in the hospital I havent since been late on my account so thats why I am disputing it and looking for help on this thank you?
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexisnexis will not placed a security freeze on my account after I attempted this online and upload a valid document. I sent a letter with a copy of my driver 's License, copy of utility bill and SSN. They still need more information from me. This issue been going on for the past 30 days.
Product: Credit reporting or other personal consumer reports

I reaffirmed my mortgage after my bankruptcy was discharged- as of today my mortgage is still not reporting to credit bureau properly. 
Please see attached documents. 
XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new and updated information concerning Lexis Nexis. I previously complained of Lexis Nexis ' illegal conduct under ID # XXXX, but received no resolution to my complaint. Lexis Nexis has failed to conduct their required investigation in accordance with federal laws; failed to provide me with a comprehensive audit trail, including evidence of such required investigation ; and failed to delete items in accordance with my written instructions. Lexis Nexis is in violation of my rights as a federally protected consumer.
Product: Credit reporting or other personal consumer reports

I was improperly designated late on my last payment to a loan company. My account is now closed and paid in full but TransUnion reduced my score due to this errant late payment. I initiated a dispute with XXXX XXXX and TransUnion Direct dispute but the error has still not been fixed ( the other bureaus fixed it immediately ) and it has now been about 75 days since I initiated the dispute. No information has been given to me and TransUnion was unable to provide me a reason for the delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I write to this company last XXXX XXXX, 2017. I have disputed two accounts, XXXX XXXX and XXXX. Both accounts have been reporting incorrect, inaccurate and incomplete information. These account has been reporting incomplete and inaccurate late payments. credit bureaus show either " no data '' or " unknown in most months in my payment history. They are also reporting " 90 days late '' without prior late?!. Account # XXXX has been removed/repaired. But account # XXXX, still reports the error violating FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting my XXXX account as an adverse account this information is wrong. It has been confirmed with XXXX that the account is current and in a satisfactory standing with no late payments. XXXX has fixed this account after there investigation and it is reporting correctly as an account that is satisfactory not adverse. I have disputed this with transunion but they have still not corrected it. This wrong information is affecting my credit score.
Product: Credit reporting or other personal consumer reports

Reported account ( you were in receipt of my prior communications and were obligated by law to take investigate my claim for action within XXXX  days of receiving notice of dispute. Knowing that this is a lawful obligation of yours, you both knowingly and willfully failed to delete the disputed information. Under the provisions of the FCRA, you are also liable for damages, as outlined in XXXX XXXX. XXXX
Product: Checking or savings account

I have an American express serve account. They have freeze my ability to load funds online without prior notification and explanation. I am reloading with my own checking account and I am not doing anything against the card member agreement. It's a violation of them to do so. I hope that they can give me an explanation and recover my ability to load funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd attempt to fix and update my personal information with Experian. I XXXX XXXX have updated all my accounts reporting with my correct and current address there should be only one address and my correct name reporting. Experian has failed to investigate and update my credit profile with reporting incorrect information. I advise Experian to correct my profile with one name XXXX XXXX and the one address connected to the accounts reporting XXXX XXXX XXXX XXXX NC XXXX. 
Experian has failed to follow compliance with FCRA and this is a violation of my consumer rights.
Product: Prepaid card

I received a {$50.00} AMEX gift card from a family member on my XXXX birthday. Unfortunately, this gift card has been giving me a lot of trouble. Unlike the other gift cards I received, such as XXXX and XXXX, this AMEX gift card is not accepted anywhere. 
- - - I have tried using this gift card both online and in brick and mortar stores, at restaurants and grocery stores, and even on XXXX and XXXX wallet, but no one will take it. I tried calling the customer service number on the back of the card, but all I got was automated prompts. Eventually, I found an alternative AMEX customer service phone number for members, and although the woman who I spoke with was pleasant, she had no answers to help with my issues. 
- - - I was transferred to the prepaid services department after the previous representative was unable to resolve my issue. However, even they were unable to assist me and suggested that I continue trying to use the card at different merchants until it works. This left me feeling helpless and frustrated, as I was not offered any resolution. The prepaid services representative explained that the reason why I was having issues was because AMEX was providing me with financial protection, which confused me because it seemed as though the financial protection was for the funds from me, the person entitled to the money. They were also unable to tell me where I could use the card, despite their website claiming that it could be used anywhere that accepts AMEX. This was obviously a misstatement. At this point, I am at a loss and all I want is the {$50.00} that is owed to me as soon as possible. What was supposed to be a birthday gift has turned into a personal nightmare for me. 
- - - It seems like the AMEX gift card system is not functioning properly and is designed to take a few extra dollars from American consumers. Merchants who claim that they are unable to use this card are allowed to place small pending charges on it, which further restricts the ability to use the funds given. This gift card system appears to hold legal tender hostage and falsely advertises that it can be used anywhere that accepts American Express cards. Unfortunately, this is not the case for some of us, and it is frustrating to be told that there is nothing that can be done about it. 
- - - I am facing difficulties in resolving my issue with AMEX customer service. Even the original purchaser of the gift card has tried to help to no avail ( inconveniencing her ). Unfortunately, my money is inaccessible and all I want is to get the total balance of my card in cash or check. This will help me move forward with my life. Can you please assist me in this matter? 
- - - Below is the Gift Card Information : -- - AmexGiftCard.com -- - Card Number : XXXX XXXX XXXX -- - Exp : XX/XX/32 -- - Security Code : XXXX -- - Available Balance : {$50.00} - - - Respectfully XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have my money stuck in Coinbase and I recently complained to them that I need to change the Link bank account on my profile but all i keep getting from them is this ( We've reviewed your Coinbase account and determined that you're no longer eligible to use the Coinbase platform. This includes purchasing cryptocurrency, depositing into Coinbase, sending cryptocurrency off of Coinbase, and linking new payment methods ) I have a lot of money in the coinbase and they won't let me withdraw my money. I have opened numerous tickets XXXX. 

I have uploaded the account closure documents they asked for and still yet they don't want me to get my money out, this is my money and I also got another email from coinbase saying they will forfeit my money and close down my account which they have no right to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called a few times to American Express I had scheduled a payment for XX/XX/2021 and I called in on XX/XX/2021 to cancel the payment because there Would be no funds to cover it. I lost my job die to COVID and explained to American Express I applied for unemployment and the got the response back Im approved however there is a delay with the processing of it. In short they enrolled me in a financial relief program for all my cards and they have token out all necessary payments via auto pay which I have proof I am up to date and there was an error in there system I would like them to fix with my account.
Product: Credit card

I applied for a Barclaycard Wyndham Rewards VISA and, after being accepted, was made aware of a bonus offer of XXXX points awarded for purchases made. I called about the offer and was promised the XXXX bonus points for my activity on the card. I performed the required activity but was never awarded the bonus points. I repeatedly contacted the company about why the points were not awarded and they continued to tell me they would be awarded. Finally, after 3 months of repeated calling and being promised the points, the company then said they were not going to award the points. I asked why, but they would not tell me ; they just said I would not be awarded the bonus points.
Product: Credit card

I filled a claim with Charles Schawb bank regarding fraud on my bank account in XXXX. There are over XXXX worth of charges to XXXX on my account with I did not make or authorize. The claim has been denied and upon notification from the bank I was provided with a document from XXXX which shows all of the charges on my card. That document shows, that my card was manually entered on all transactions except one ( which the card was swiped ) There is a name on the room that is not mine and the signature is not mine. These are fraud charges and need your help in getting my money back.
Product: Credit card or prepaid card

They reported a late payment of {$41.00} dollars that impacted my XXXX credit and I always my bills in time and has impacted my score tremendously as of XXXX XXXX  by Verizon syncs/Verizon creditor . Tried to dispute but no answer In according to the fair credit reporting act convergent account, has violated my civil 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 a late for any purpose.
Product: Checking or savings account

Chase Bank Checking, ( 2 ) Savings and ( 1 ) CD : Private Client Status Owner : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX TX Date of incident XX/XX/XXXX All Acounts have been with Chase for the last 20 years under " XXXX XXXX XXXX XXXX XXXX XXXX '' without any changes. 


- On XX/XX/XXXX I tried to use my debit card, and it was declined. My checking balance was over {$4400.00}, so I contacted my Banker XXXX XXXX XXXX. After calling Chase Corporate, He advised all of my accounts were restricted due to a missing document that was now required for the XXXX Chase never advised me of this requirement, nor did they call my Banker or notify him of the account restriction. 

- I went to the bank on XXXX and XXXX, and XXXX ( the bank Manager ) tried to find out what was missing. A new form, called a " Certificate of XXXX, '' was needed, so I downloaded the form, completed it and had it notarized at the Bank on XXXX. The Certificate form and a new copy of the XXXX were scanned into the bank 's imaging file and Chase was supposed to release the restriction on Monday upon review of the documents. 

- On Monday, the Chase Executive Complaint Group called me and said they had the certificate but didn't have a copy of the XXXX The original ( unchanged ) XXXX  document was already in their files, and they had been sent another copy on XXXX by XXXX. 

- It was clear I wasn't going to resolve this and I had no access to any cash or accounts, so I went to the branch, and the branch Manager removed all but {$1.00} from every account and gave me cashier 's checks, which were then deposited at new accounts at XXXXXXXX XXXX 

- I then redirected all deposits to XXXX, but three pension and SSI payments would take 1-2 months to complete the change. Since then, deposits have come into the Chase account, and they have held them for over 3 days before rejecting them. The transaction time from their receipt of the deposits to the time these issuers send a check to me directly may be up to 8 weeks, leaving me without income for 2 months. 

- The accounts remain restricted. Chase will not close them so that deposits are immediately returned, nor will they deposit them into the accounts so that I can do a withdrawal. They hold the deposits, so they earn interest and then deprive me of access to any money. 

-As of XX/XX/XXXX, this situation is unresolved, and Chase should be fined for continued restrictions on the accounts to allow me to have the deposited cash or close the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple XXXX  loan accounts that suddenly appeared on my credit profile which are fraudulent from the year 1999 from DEPARTMENT OF EDUCATION/ XXXX which accumulated over {$200000.00}
Product: Checking or savings account

I opened a checking and savings account with JPMorgan Chase online on XX/XX/. I attempted to fund the account via Chase 's external transfer system. The transfers were rejected by Chase because my bank did not verify account ownership. I then wanted to close the accounts over the phone. The supervisor stated that the only way to close the accounts is to visit a Chase branch in person. I do not live near a Chase branch. I opened the account online and I feel that I should be able to close an account that I have never used or funded either over the phone or online. Chase 's Deposit Account Agreement does not state that I must visit a branch in person to close an account. 

Either you or we may close your account ( other than a CD ) at any time for any reason or no reason without prior notice. We are not required to close your account at your request if you have pending transactions, the account is overdrawn, your account is subject to legal process ( such as a garnishment, attachment, execution or levy ) or any type of holds ( such as collateral hold, decedent hold or deposit hold ). In those cases, we will limit the types of transactions that you can make until pending transactions are paid or returned, the balance is no longer negative and any legal restriction/hold has been released. After we restrict your account in preparation for closing, we will not pay any additional interest on the account. We may automatically close your account if the balance is {$0.00} or negative. Either you or we may close your CD account on any maturity date without cause.

We may send you written notice that we have closed or will close your account and return the balance less any fees, claims, setoffs or other amounts if the balance is greater than {$1.00}. After your account is closed, we have no obligation to accept deposits or pay any outstanding checks, but we may reopen your account if we receive a deposit. We will have no liability for refusing to honor any check drawn on a closed account. We may advise consumer reporting agencies of accounts closed for misuse, such as overdrafts. 
This agreement continues to apply to your account and issues related to your account even after it closes.
Product: Mortgage

I started a mortgage application for the refinance of my Co-Op with Cross Country Mortgage in XX/XX/2021. Initially I was told this process would take approximately 60 days to complete. Communication with this company was steady and fair until around XX/XX/2021 when I was waiting for a closing date. I the operations manager that I was assigned to when I didn't hear back from them around the time I should have received a closing date. I was told that by her they were waiting for a response from the Attorneys that they chose. After another 2 weeks went by I contacted them again and was told they would go with a plan B which was to find a new lawyer. Two weeks after that I began calling and emailing both the operations manager and the loan originator and got no response. Finally I contacted the attorneys they chose. When I spoke with them, I was told they represent the lender so there really wasn't anything for them to do but secure the title. I called the mortgage company back and was transferred to a manager who then told me that my application is no longer valid and these things happen. He stated he would find a new lawyer and restart the process. As of the date of this compliant I have yet to receive any response from them despite numerous phone calls, and emails. 2 disclosure extensions and XXXX later for an appraisal and Co-op survey fees and I have yet to hear back from this company despite numerous phone calls and emails.
Product: Mortgage

I have applied for a mortgage refinance with XXXX. The application process began on XX/XX/XXXX and was approved for underwriting. I promptly submitted the required documentation and there was no issues. The loan being refinanced is a JUMBO mortgage loan and the investor is Chase Bank. 

Throughout the underwriting process, Chase Bank changed their underwriting requirements multiple times. They went from 90 % Loan to Value ( LTV ) as a  requirement and 1 month of liquid reserve assets ( about XXXX in total amount ). They then went to 88 % LTV as the requirement within a week. 

At the end of XXXX they changed their requirement to 85 % LTV and required XXXX in non-liquid reserves ( like retirement income ) and 6 months ( about XXXX ) in liquid assets. 

At this point, even with the changes, we were able to still proceed. However, 1 week before closing, on XX/XX/2020, Chase changed their underwriting guidelines again and are now requiring 80 % LTV. 

This results in a hardship for us and we don't have the extra money for closing with such a drastic change. It would require us to come up with approximately and extra XXXX for closing. 

I feel that Chase is being malicious in their underwriting guidelines and changing their requirements so drastically right before our closing date. Because it is a JUMBO mortgage they seem to not have any consistency or standards.
Product: Credit card or prepaid card

I got a couch from XXXX XXXX almost 3 years ago. They financed through Wells Fargo, Ive been consistently paying however, the balance hasnt changed. I reached out to them because for years I wasnt receiving any statements. They had a email on file that wasnt familiar, they claimed they tried to email me but never were able. I asked about the high interest. They said they told me it was 0 % for 12 months. Ive looked on credit report and I still see the same balance. Customer service, were very dismissive and I never got an answer as to this loan that hasnt moved. Wells Fargo has been managing and doing what ever they want in customers accounts
Product: Checking or savings account

XX/XX/XXXX I apologize for burdening you with this letter! It is complicated, so I will give you my phone number. I have reached out to XXXX customer service and Care Credit numerous times with no resolution! In fact, I do not believe they understood the gravity of this complaint! 


I am truly not sure where to start. I hope I can clearly state my concerns, since this matter is incomprehensible to me.There were no disclosures from either company! 


I had a Care Credit account that was recently closed and APR increase to XXXX from XXXX, on the remaining balance. I had automatic payments drawn from my XXXX XXXX account ; at this time, it was {$30.00}. 
Here is my story : XXXX received two automatic payments for {$30.00} to my Care Credit account, in XXXX. the {$30.00} ACH draws were dishonored due to the stop payment in XXXX I made! I had stop payment due to fraudulent activity, new card issued! I did not remove the stop payment because I had received a new card, different number. I attempt to get a three way conversation to discuss, but XXXX hung up before Care Credit and I spoke. XXXX and Care Credit would not call each other on this matter. The flag of {$30.00} Care Credit was placed on my account closing it and increasing my APR XXXX. This is absurd, since I actually paid the {$30.00} but Care Credit would not honor it since XXXX declined for an entirely different reason not relating to insufficient funds! 


This is unconscionable conduct for a longtime client! I have been responsible with payments. I recently made over a {$2000.00} payment. I never received a warning until the day it was done this month on XXXX, although letter written on XX/XX/XXXX! ( see attached ) called immediately to both companies to correct and no assistance received! 
My remedy : Open my account up so we can finish our much needed dental work and change APR back to XXXX instead of XXXX! Care Credit is also called Synchrony bank. A {$1200.00} charge for 3 days trying to resolve this issue with calls. As XXXX I make $ XXXX. 


Regards, XXXX XXXX XXXX CC Care Credit, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, attorney XXXX  once established.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions.