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

Ally Bank has frozen my check and savings accounts, and is refusing to reopen them, because they claim that they were unable to verify the identity of my wife ( who is a joint account owner for these accounts ) during a recent phone call she had with their customer service department. When asked, Ally Bank informed me that the birthday my wife provided to them on the call ( for verification purposes ) did not match the one they had on file for her. We have double-checked the form we originally sent to Ally Bank when I first added my wife as a joint account owner of my checking and savings accounts, and have confirmed that the birthday provided on the application form is indeed her correct birthday. This indicates that Ally Bank made an error when inputting her information provided on that form into their system, resulting in the birthday they have for her on file being different than the one we provided to them ( the one we provided to them being her real birthday ). I have spoken with Ally Bank multiple times about this, but they continue to insist that there is nothing we can do about this until they " complete their investigation ''. This process has been ongoing for weeks now, leaving me without access to any of the money in both my checking and savings accounts. If the issue is not resolved quickly, it will result in me incurring significant fees as my bills ( auto loan, credit card, rent, etc ) start to pass their due date. Ally Bank has informed me that they will not reimburse me for any fees, penalties, or interest I will incur as a result of not having access to my money due to an error Ally Bank themselves made, and to which neither I nor my wife had any control over. I have sent a copy of my wife 's government issued ID showing her correct birthday, but Ally Bank has refused to do anything with this information.
Product: Credit card or prepaid card

California issued me a debit card for a tax refund. I have tried to initiate a transfer to my bank account over several days and multiple times. The website is BOGUS. I have tried 4 different browsers and unexpected problems occurred in each attempt. Primarily the " system '' seems to object to the amount of the transfer after I have tried to adjust it to less than the balance to cover any fees even though they state there is no fee for online bank transfers and even though the website acknowledges I have a balance of XXXX. I tried every amount to XXXX. I just got work my wife was allowed to get XXXX at the ATM with fees (? ) - NO DOUBT! 

My wife is now driving a XXXX mile round trip to a ATM for Money Network. I believe the reason for the BOGUS website is because they want to cause a fee to charged at the ATM. I don't care about the fee. I OBJECT strenuously to the BOGUS web site. 

Not only did they harvest my banking information, they FAILED to perform a task which happens millions of times a day. That is, a simple bank to bank transfer. 

I believe the bank should be sanctioned for their deliberate poor performance. 
Thank you for your attention to this matter.
Product: Debt collection

I HAVE ATTACHED THE POLICE REPORT. Per my XXXX  REPORT, SHOWS 13 ACCOUNTS OPENED UNDER MY NAME AS A RESULT OF IDENTITY THEFT. I SENT THE POLICE REPORT TO XXXX  AND NOW I AM SUBMITTING THIS FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Product: Debt collection

I've contacted this company regarding this account as my current report reflects that I've disputed and requested to be permanently removed as this account is not mines and placed on my credit report with this unknown company that I signed no obligations with.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 's 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, 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
Product: Mortgage

When a client of Stockton Mortgage made an offer on my property they ensured a fast easy closing. This was not the case, XXXX XXXX, kept asking for more and more information from my HOA until it got to a point they were no longer able to provide because they themselves did not have a resolution or the information. When we pointed out that two other lenders just closed perfectly fine on this ( and provide title reports as proof ) with this ongoing minor litigation that is under XXXX they simply said that's great but not us. When I point out the FNMA allows lenders discretion on minor litigations when it doesn't involved safety concerns, or structural issues they didn't even address it. I feel Stockton Mortgage is a highly prejudice company and was not willing to do anything to resolve the matter. They have costs me thousands of dollars by delays and eventually forced their client to pull out the sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Bureaus Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$450.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXXXXXX Balance : {$170.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$640.00} XXXX XXXXXXXX Balance : {$0.00} Equifax : XXXX XXXX XXXX : {$450.00} XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXXXXXX Balance XXXX {$170.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$640.00} XXXX  XXXX Balance : {$0.00} XXXX : XXXX XXXX Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$450.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$270.00} XXXX XXXX XXXX Balance : {$170.00} XXXXXXXX XXXX XXXX  XXXX XXXX : {$640.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit card or prepaid card

Target denied my application for credit card. They send me a letter saying they had denied it but they did n't give me a reason why.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I sent a letter to each major credit reporting agency ( XXXX, XXXX, Transunion ). Under FCRA 611 ( a ) ( 7 ) I sent a request to be supplied with all of the information used to investigate my dispute of several inaccurate accounts on my credit reports. I was not supplied with sufficient information and the inaccurate accounts should be immediately DELETED from each of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with someone fro XXXX XXXX. Ive asked if they would update my credit report as XXXX does. Although Ive paid I dont see any results.
Product: Credit card or prepaid card

I was behind one payment for a Discover credit card due to illness/accident. I spoke with several Account managers and in the course of conversation each disconnected the call. I finally reached a manager who stated there were several option which would be available to me. I chose an option which would decrease the interest rate to 09 %, pat {$38.00} per month. Late fees are suppressed and the credit card will REMAIN THE SAME.I accepted this program and was paying monthly to commence on XXXX XXXX, 2022. I have the information in writing. When starting the program, I was now informed that the credit card will be immediately " REVOKED ". This whole scenario was DECEPTIVE & FRAUDULENT!!!! This appears to obtain monies from me for future payments under false pretenses. I am a XXXX XXXX, XXXX. Discover Card reps. acted in a most deceitful manner which is a very unprofessional manner, and Discover Card Corp. should be punished as deemed by the U.S. Government.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was stolen years ago due to that Equifax data breach. I need your help in requesting that the CRA 's block the fraudulent information listed on my reports. Thank you
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Scammer ), DBA : XXXX ( the Scam Company ), all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via bank wire and through an intermediary named XXXX in the the total amount of XXXX USD utilizing Chase services.
Product: Checking or savings account

I dont know what happened but my account is being closed I was told I had 3 days to withdraw my money so I went to the bank while I was working and it was a hold on my account I paid my rent from that account and now they made where my rent payment didnt go through now Im being charged fees because they put a hold on my account now when I tried withdrawing the money from the bank like the representative told me over the phone they could withdraw the money because the person who put the hold there have to release the hold I need my fund to pay my rent there talking after three days about sending a cashier check when I deposit he money in my account the day before they supposedly closed my account now I cant get my funds
Product: Credit card or prepaid card

Dear Madam or Sir, Here is my problem in few bullet points : 1. I have a CITI VISA credit card ( obtained through Costco ). 
2. I am a XXXX XXXX employee stationed in XXXX, MD with the XXXX/XXXX 3. Our travel policy requires that we make our own hotel arrangements to be reimbursed later after travel 4. I have made a hotel reservation in XX/XX/XXXX to attend a scientific conference end of XX/XX/XXXX as part of my official duties. Check-in XX/XX/XXXX and Checkout XX/XX/XXXX, XXXX XXXX MA. I got to purchase from " XXXX XXXX XXXX '' from the link provided by XXXX. I paid {$1000.00} with my CITI Visa Costco card 5. In the week preceding my travel, I learned from the hotel that my reservation was cancelled by the Travel agency - because of bankruptcy. 
" XXXX XXXX XXXX '' has toll-free and non toll-free numbers that now do not answer. 
XXXX now answers as a voucher company, aways with a message " you have reached us after hours '', even if you call all day hours on a business day. Same for XXXX 6. I filed a complaint by phone with CITI in early XX/XX/XXXX, and they reimbursed the {$1000.00} in XX/XX/XXXX 7. Upon checking my CITI Visa Costco card statement this XXXX, the charge has been re-instated. When I called, I was told that I did not respond to their request for more paperwork. I asked whether it was sent by mail, email, They told me that it was online as I opted for paperless statements. 
8. I always check my account online. The website design and they communication is to blame for me not seeing their message : 9. With all other banks, when they communicate paperless with their customers, they have two options CITI paperless does not have : a. when you log-in to other banks, if they send you a message, you will see an alert ( usually on top of the pages alerting you that you have 1, 2 or  several messages you need to attend to. CITI does not display any alert on the webpage once you log-in b. when other banks send you a message, not only they have an alert with the number of messages you need to attend to, they also send you an electronic communication in the form of an email. CITI did not do that. 

10. The two points a & b made me miss their request for more information 11.  Other banks, have also a third option ( That CITI did not also use ), which is simply to send a paper mail, because of the unusual transaction that would need attention by the consumer. 
12. I called Costco, they referred me to CITI for complaint. 
13. I called CITI, they referred me to VISA for complaint 14. I called VISA, they referred me back to the Bankrupt travel agency .... 

15. I need your help Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, MD
Product: Credit card or prepaid card

I was going to NY. to take care of some business from XXXX XXXX at the XXXX XXXX XXXX at XXXX XXXX XXXX NY. XXXX # XXXX confirmation # XXXX in which i booked through XXXX. On XX/XX/2020 i received a call from the hotel stating they had to relocated the guess in the hotel for that week to do some cleaning and i also email from XXXX XXXX  XXXX on XX/XX/2020 stating i was being relocated to another hotel. the XXXX XXXX XXXX in XXXX XXXX..once i arrived to the hotel the desk clerk took my credit card and charged me for the hotel stay.. not until I received my bill did I see that XXXX Charged my credit card for the prior hotel.. I called Capital One ( my credit card ) and explained what was told to me by the Hotel was closed for that week and I couldn't stay there.. Capital one gave me a phone number to call in which i did and got no one on the other line..I called them back and they gave me another number to call in which I did and that person gave me a Fax number to fax the documentation and the fax number never work. I again call the person back she gave me the same Fax number and again it never worked..the customer service rep.. states she could do no more than that.. i aske to speak to a Sup. and got the same info that did work..i then contacted the XXXX.. the hotel then contacted me by email confirming they were closed during that week and i had to speak to my Credit card company, XXXX  i contacted both and got no results..The Charges are still on my Credit Card Statement..
Product: Credit reporting or other personal consumer reports

I came across the CFPB Equifax lawsuit. 

As a result of the failure of this institutions obligation to fulfill, it constitutes a breach of fiduciary obligations and malfeasance. As a result it has severely impacted, hurting my chances at credit after receiving a response to my earlier disputes that the accounts were " verified ''. 
Come with the receipts, or delete all erroneous information
Product: Credit reporting

I made a payment arrangement with CBHV and sent a written request to remove all verbiage pertaining to dispute and to report accurately to all XXXX credit agencies to reflect the 6 months of on time payments as agreed. To this day they have not responded adequately.
Product: Student loan

I contacted Navient requesting an updated amount left on the loan and future schedule for all payments and when the loan will be fully paid off.     I received an answer on  XXXX   XXXX  at  XXXX   XXXX  : Our records confirm your balance is {$28000.00} as of the date of this email.     Because the monthly payment amount fluctuates as the variable interest rate of your loan changes, the amortization of your loan will also change, rendering the previous information inaccurate. In addition, the application of payments to principal and interest is not predetermined. This means that since interest accrues daily on the unpaid balance, the number of days between payments determines the amount applied to interest from each payment. For this reason, we do not provide amortization schedules.  ( My  interest rate has been 12.5 % for over 2 years now and it has not fluctuated up or down ).     I also asked if I could pay a lump sum of {$10000.00} toward my principle of the  Private Student Loan to possibly lower my mo nthly payment and find out what the amount would be left on the loan.     I received an answer on  XXXX   XXXX  saying : As your loan is enrolled in  Auto  Pay, your payment will not pay your loan ahead and the loan will remain due for payments each month. Your loan follows a re-disclosure schedule, and your payment will be reduced automatically during this process to a lower payment, which will pay your loan in full using the same maturity date.     Your payments follow a standard payment application, in accordance with your promissory note. Payments will usually be applied first to outstanding interest, than to outstanding fees, if necessary, and the remainder to principal. If there is a significant amount of accrued interest, from a deferment or forbearance, the majority of your payment be applied to interest each month. Unfortunately, we are unable to provide a balance left on the loan due to the application between principal and interest. ( Why ca n't they give me this information? I would reduce the principal by {$10000.00} and then they can give me an updated payment and schedule. I know they are pushing this off so the service company "  Navient  '' would make more money over the time.     Any help would be much appreciated.
Product: Credit card

Name : XXXX XXXX Account number : XXXX Interest Charged : $ XXXX Current Balance : {$3000.00} Actions Taken : Called Synchrony Bank on [ Date ( s ) ] to dispute the charge and request a resolution. 

Complaint Description : I purchased furniture from XXXX XXXX and was offered a financing plan through Synchrony Bank with a XXXX 0 % interest promotion. At the time of purchase, I understood that I had one year of interest-free payments, but I was never clearly informed that if the full balance was not paid within that period, a {$2000.00} interest charge would be retroactively added. 

After making regular payments, I was shocked to see that a {$2000.00} interest charge was added to my balance on [ Month/Year ] after the promotional period ended. This charge was never explicitly explained to me, nor was I given any warning before it was applied. I immediately contacted Synchrony Bank on [ Date ( s ) ] to dispute this unfair charge, requested a detailed breakdown of how the interest was calculated, and asked if it could be removed. However, the representatives were unhelpful, refused to offer any resolution, and denied my request to escalate the issue to higher management. 

This unexpected and unfair charge has significantly impacted my credit score and financial situation. I believe I was misled by the lack of transparency in the financing terms. I am requesting a full removal of the {$2000.00} retroactive interest charge so I can pay off my balance fairly.
Product: Money transfer, virtual currency, or money service

I opened a line of credit with PayPal Credit for {$2600.00}. I successfully purchased a laptop using this PayPal Credit line on XX/XX/2018. I have the email confirmation from the merchant to prove it was approved. I had to cancel the transaction because of delivery issues. I have since tried to use the PayPal Credit line multiple times and have been denied every time even though my entire credit limit is available. I called PayPal and the supervisor I spoke to ( XXXX ) on XX/XX/2018 advised me that I was being denied use of my PayPal Credit line because I was a new customer and I needed to establish history ( this was a theoretical reason as the supervisor could not confirm that precise reason ). I have since tried to use the PayPal Credit line to purchase items under {$20.00} in total to attempt to begin this purchase history. They have all been denied. I am in no uncertain terms furious that PayPal has opened a line of credit for me but has effectively made it impossible for me to use. This is the very height of deceptive and unethical business practices. I have never had such a negative experience with a credit provider in my 25 years of using lenders and credit providers. Further, because of this interminable delay I have lost days of freelance work wages and there is no way to be advised if or even when this credit line will be made available for actual use. This entire experience has been incredibly frustrating and infuriating.
Product: Credit reporting or other personal consumer reports

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX and Account name : XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more are incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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: Checking or savings account

- I received a promotional offer for opening an account in late XX/XX/2020. 

- The promotional offer included a bonus cash deposit if TWO criteria were met - a minimum initial deposit within a certain time frame, and maintaining a minimum balance for a specified time frame. 

- I called the customer service line repeatedly, inquiring as to whether or not all criteria had been met in order to qualify for the promotional offer bonus cash deposit. 

- Every time I spoke with an associate, it was confirmed that all criteria had been met. 

- All of these phone calls were recorded. 

- When I ultimately called to inquire as to why I had not received the bonus yet, I was informed that upon review there was a third requirement ( minimum transactions ) that I had not met. I had not been informed of this requirement to-date, and this requirement was not included in the initial offer. 

- I have tried communicating with Bank Of America repeatedly about this issue, but with no success.
Product: Checking or savings account

From the Citibank website I initiated a transfer of {$8000.00} from XXXX to Citibank on XX/XX/XXXX. The transaction failed due to an address discrepancy. I have corrected the address with Citibank, and they and XXXX have confirmed the addresses match, but my funds are still frozen in a " pending '' status at Citibank. I have contacted Citibank XXXX times in the past week, and I have been given multiple different stories by various CSRs. 
XX/XX/XXXX ( 1 ) - CSR stated XXXX must cancel the transaction XX/XX/XXXX ( 2 ) - CSR stated funds will be automatically returned on XX/XX/XXXX XXXX ( 1 ) - CSR stated funds can not be returned because they are held by a third party XXXX ( 2 ) - CSR could not assist, but will " raise a complaint '' to a " higher department ''. Refused to connect me to a manager or anyone in the " higher department '' XXXX ( 3 ) - CSR stated funds will be automatically returned on XX/XX/XXXX. CSR could not answer why it was XXXX and funds are still not available. 
XXXX ( 1 ) - CSR disconnected after XXXX minutes due to it was time to clock out XXXX ( 2 ) - CSR transferred me to the Fraud department who stated funds were released XX/XX/XXXX.