23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I recently filed a dispute via phone for my Home Depot credit card. I was unable to access the process in my account online to do so. I have been charged late fees and interest on a balance that is in dispute without having received a timely notice. I sent documentation by fax ( only fax and portal options were provided when I filed by phone ) which was never acknowledged. I am told dispute was resolved, but have not gotten a letter stating same although I am told my account has now been updated ( again ) and payment is deemed late ( and subject to interest, fees, etc ). days after I am told letter was produced. I requested the cardmember agreement by phone and was told to send a secure message and it could be mailed to me. Its not available online. I finally located it in my files- and my cardmember agreement does NOT include a dispute resolution process. It only includes arbitration for collection and non-payment. I referred to my actual billing statement- It also does not have ANY information on what to do if your bill is wrong. I was under the impression that billing error notice must be included on credit card statements at a minimum ( all my other ones have it... ). I have no idea what my rights are in this matter, and it is a serious matter.
Product: Checking or savings account

My grandmother, XXXX XXXX, passed away XX/XX/XXXX and I was a POA for her and a co-trustee, surviving through her passing, co with my sister XXXX XXXX. She'd opened the account at wells many years prior and the Trust name is XXXX XXXX XXXX dated XXXX. My mom had passed and the trust docs were updated again. At the time of updating the account, there were several difficulties with Wells recognizing us as co-trustees. We've seen this where the bank doesn't 'like ' to have co-trustees since they fear conflict. Therefore, we decided to keep ourselves as acting POAs. However, we were assured that if death were announced to the bank, then the status would be updated to the co-trustee status which the trust documents clearly express. Wells discovered XXXXXXXX XXXX death on their own and set up a requirement that XXXX and I show up together to update the account as co-trustees, rather than just enter it as shown in the trust docs. Wells pretends they can't do this even though they were given the docs when updating the account name to the trust name, and the trust repeatedly says we are co-trustees of this Wells account, through the passing of XXXX and by her own election in the XXXX update. As well, they pretend they can't do a session where myself and XXXX go to our own respective, nearest branch, and do the update ( which would be appropriate since I live in TX and XXXX in AZ ). They suggest I'd have to be physically present and this is not necessary or appropriate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian willfully reported unresolved account with XXXX  despite documents from account manager showing the account was resolved. 

Additionally, inquiries are being allowed to remain on my credit past their cut off date
Product: Mortgage

They keep on charging and double charging my escrow which increases my payment to the point I can't pay it. 

They over charged on XXXX accounts last year my escrow was XXXX and earlier this year my escrow was XXXX after a refund it was brought down but my escrow is XXXX I have asked many times for escrow cancel to the point of over paying on XXXX occasions to no avail I think this is abusive to just lay any bill sent and just not check and just give it to the consumer to worry about I would like this escrow account removed due to this issues
Product: Credit reporting 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. 

Account Name : XXXX CHILD SUP Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX has violated my rights. Or list of inquiries 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

Equifax has my information combined with a family member of mine. I contacted them and spoke with their Mixed Department. I was told to send a copy of my drivers license and social security card. I did. 4 weeks later I contacted them to get the status of my issue. They told me it was too dark for them to read. I then lightened and enlarged and resubmitted. I was told to check back in 4-6 weeks. At 4 weeks they said they had not received it. At 6 weeks I was told the same. I asked for a mailing address instead of a fax number. I mailed them a copy of my drivers license, social security card, and an Experian credit report to show what my credit should look like. At 4 & 6 weeks they told me they never received it. I keep getting the run around and each time I call have to send them sensitive information to the address and/or fax they give me, but they " have n't receive it ''. They have also told me that I can not have a case opened until they receive the information, so after all of the info I have sent them, they have literally not even started the investigation. I have also been told that there is no way for me to escalate the situation because they do not have the information that I have sent them. Short of driving to XXXX and walking into their office to show them that I am a real person, I do n't know what more I could do. I am at the end of my rope with Equifax and if there is anything that can be done to assist me in correcting their mistake, it would be most appreciated.
Product: Credit reporting 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. **Account Name : ** XXXX XXXX XXXX ( multiple accounts on credit report ) **Date : ** XX/XX/year> **Subject : ** Incomplete and Incorrect Information in My Transunion Credit Report Upon reviewing my Transunion credit report on the aforementioned date, I have identified several discrepancies and inaccuracies. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a customer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to nor 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

XXXX froze my account then closed and kept {$600.00}. XXXX froze my account then closed it and kept {$450.00}. XXXX has closed 3 separate accounts totalling over {$900.00}, and kept the money. Navy federal currently has closed my checking account and kept {$300.00} plus dollars. XXXX XXXX XXXX froze then closed my accounts with over {$700.00}. XXXX XXXX kept {$200.00} after freezing and closing. XXXX has frozen thousands and kept every last dime.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : REQUEST TO REMOVE AN AUTHORIZED HARD INQUIRY Inquiry made on : XXXX Inquiry date : XXXX XXXX XXXX
Product: Credit card

American Express violated the credit card act of XXXX. They charged interest on XXXX balance account. Balance was paid off on XX/XX/XXXX and they charged interest on XX/XX/XXXX. They told me they can't refund the Interest and they did not do anything wrong.
Product: Checking or savings account

On XX/XX/XXXX, an unknown person signed into my bank account and used Bill Pay to send {$9800.00} to an XXXX card. Despite that the IP address, location, and Internet provider were all different then my usual access to my bank account Wells Fargo refuses to agree this was fraud. Stating the person used my user name and password and that's enough for it not to be fraud. To also note I've also been with Wells Fargo for 38 years, and have never once used Bill pay to make a payment for anything or claimed fraud on this account. The name on the XXXX card is not mine. This also happened at XXXX in the morning my time when I would never access this account. In addition there was another Bill Pay done at the same time for {$4500.00} that I did find on XX/XX/XXXX that had not gone through, that I immediately cancelled. There were also attempts to change the phone number on the account on the XX/XX/XXXX as well. That Wells Fargo can not look at this and see this was fraud is ridiculous. There was no notification to me that a {$9800.00} transfer using a service I never use was being done. 

In addition it took them 2 months to finally advise us that there denial was solely due to the user name and password, in the meantime we heard stories of the same IP being used, I had to go down to a local bank and prove where I was ( which I did ), etc. All of which had nothing to do with the final reason they denied the claim.
Product: Debt collection

I disputed all 3 in XX/XX/2022, if I am correct. AMERICOLLECT Last reported XX/XX/2022 {$1300.00} Open balance XXXX XXXX XXXX  Original creditor Opened XX/XX/2022 ( XXXX mos ) AMERICOLLECT Last reported XX/XX/2022 {$1000.00} Open balance XXXX  XXXX XXXX XXXX Original creditor Opened XX/XX/2022 ( XXXX mos ) AMERICOLLECT Last reported XX/XX/2022 {$500.00} Open balance XXXX  XXXX XXXX XXXX Original creditor Opened XX/XX/2022 ( XXXX mos ) A new federal law, the No Surprises Act, protects you from : emergency out-of-network medical bills including air ambulances, and non-emergency services at an in-network facility. 
It applies to self-insured health plans offered by employers as well as health insurance companies that offer fully insured individual and group plans. 

A facility ( such as a hospital or freestanding emergency room ( ER ) ) or a provider ( such as a doctor ) may not bill you more than your in-network cost sharing amount for emergency services, without requiring prior authorization.
Product: Checking or savings account

On XX/XX/XXXX I visited my local Citibank branch to inquire about the discontinuation of my XXXX recurring monthly transfer from Citi to XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I had always been able to see my scheduled transfers online and they no longer appeared. The branch representative could not explain where tranfers could be reviewed or why the transfer was stopped. She insisted the transfer was initiated by XXXX not Citi which I knew made no sense but I left and called XXXX who confirmed they did not and never could initiate such a transfer. On the XXXX, I called Citi technical support. The first representative said she knew there was an issue but did not explain it and the connection was so XXXX I had no idea what she was saying. After multiple requests for her to speak slowly and clearly we were disconnected. I called back and another representative explained that Citi recently switched to a new platform " XXXX '' and as a result all previously scheduled transfers were discontinued. Apparently this was explained in a letter posted online in XXXX but it was absolutely not clear to me that my funds transfer schedule would not only be disrupted but it would be permanently discontinued!! Further, I would no longer be able to establish a recurring transfer to XXXX because they do not have the XXXX platform. It is unacceptable to bury an unclear notification in a mobile app, not send a separate email and/or a physical letter, and not clearly communicate that the transfer would not occur the following month clearly enough for the customer to ensure necessary action was taken. It is more outrageous that the in branch rep did not know what the issue was and that it took multiple calls to find an actionable response. I spent half a day dealing with this. Citi did not properly inform its customers or staff or understand the implications of their platform change.
Product: Debt collection

Never received any correspondence from this company. This debt has been discharged through bankruptcy in XXXX 2010.
Product: Checking or savings account

On XX/XX/XXXX, XXXX XXXX took XXXX from me after being blocked from my account multiple times. I had tried to reach out to CashApp but no live representative was available. I contacted XXXX XXXX over the phone and they said theres nothing they could do, and I had gone in person two times previously to cancel the membership- one time they said I couldnt do it at the location, and the second time they said I had to pay to cancel the membership. I am not on a contract, so I blocked them from trying to take the money since I live over an hour away from their locations, and am in the middle of a XXXX XXXX XXXXXXXX.
Product: Mortgage

IRT CFPB Complaint # XXXX. CONTINUED DISCRIMINATION & BIAS. 

On Thursday XX/XX/2022 and again on SATURDAY XX/XX/2022 at approximately XXXX PM, I received notification that Navy Federal sent concerning revised loan documents that required my signature. These documents and the message was sent from my new loan officer, XXXX XXXX. These documents also contained some information that has never been discussed with or between myself, XXXX XXXX, or even the former loan officer XXXX. Additionally, I have no idea who Ms.Biles is, I have never spoken to her, I have never been told to expect a phone call or an email from her, and I have no idea why Navy Federal is deciding to forward yet again 100+ pages of documents to me without having anyone contact me to at least explain what it is theyre sending or include what has been discussed in the documents. Under no circumstances should Navy Federal be filling out documents on my behalf without first speaking to me.

But what struck me as most interesting, is that these documents had an increased rate ( that is not advertised anywhere on the Navy Federal Credit Union site ) for the loan itself. In an effort to continue to cover up their previous perceived discrimination, it appears NCFU is applying a rate increase to my application. Again, THEY filled out the application without discussing or disclosing with me ANYTHING to include a rate increase prior to forwarding to me to sign. We could try to attribute this increase due to the conference held by the Federal Reserve, but with these rates being very different than what is advertised on their website, yet the previous rate was not, I find this to be another only highly suspicious but a continuation of previous biases. Again, I do not accept that a company of this size, that has outstanding customer service in so many other areas, continues to have subpar customer service in this one department and it reaches the span of almost every employee. 

As NFCU continues to look into this matter, hopefully we can gain insight as to what happened here and why customers, namely me, are attempted to be gouged and penalized for a mistake THEY made if this is truly not a continuation of discrimination. 

Lastly, in an effort to actually be done with this situation, one way or another, XXXX XXXX was forwarded the same resolution standards previously sent.
Product: Debt collection

The professsional I spoke with had a very threatening demeanor and used threatening language, wasn't answering my questions and asked me for my bank account. I told them it sounded like a fraudulent phone call and I felt very uncomfortable. I also wrote the letter attached and I asked them repeatedly to not call me again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Credit reporting 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 confidentially under 15 USC 1681. 

XXXX XXXX : // XXXX All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins inaccurate
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiries nor to view my credit report. In addition I did not give you ( Credit Reporting Agency ) permission to furnish this incorrect information onto my credit report.

This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. The following inquiries were not authorized ( XXXX XXXX XXXX ) Date of inquiry : XX/XX/XXXX ( XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ( XXXX ) Date of inquiry : XX/XX/XXXX ( XXXX XXXX XXXX XXXX  ) Date of inquiry : XX/XX/XXXX ( XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ( XXXXXXXX XXXX XXXX ) Date of inquiry : XX/XX/XXXX ( XXXX XXXX ) Date of inquiry : XX/XX/XXXX ( XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ( XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) Date of inquiry : XX/XX/XXXX ( XXXX XXXX ) Date of inquiry XXXX XX/XX/XXXX ( XXXX XXXX XXXX ) Date of inquiry : XX/XX/XXXX ( XXXX ) Date of inquiry : XX/XX/XXXX ( XXXX  ) Date of inquiry : XX/XX/XXXX Please remove it from my credit report
Product: Checking or savings account

I am XXXX XXXX XXXX and and suffering financial hardship because Chase Bank has frozen my account making it difficult for my to pay for necessities. I believe they did it because I was the victim of a scam. I was sent a check from someone who said he wanted to work with me on a project. I later learned he was a scammer and that the Check he sent me was bad. I had no involvement or knowledge that it was a scam. The bank has not resolved this timely and has frozen the account and is holding about XXXX. 

Please assist me with this matter as soon as possible. 

XXXX XXXX XXXX
Product: Credit card

Creating another case for my closed case. I need to resolve this issue with Apple Card XXXX Goldman Sachs bank. I was enrolled in apple card in XXXX, attempted enrolling in a payment plan in XX/XX/XXXX, XX/XX/XXXX my card was cancelled yet I paid my installment of the payment plan. They say they were not honoring the plan i had agreed to. Said they failed to read some very vital disclaimer, their fault. I need to be compensated via the victims fund for apple cards breach of conduct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX. I would like these negative items removed from my credit report. They are impacting my credit score. They don't not belong to me. I don't know who they belong to. I just want them removed.
Product: Mortgage

Every month, Id tried contacting XXXX taken concerning my identity there but, I talked to a XXXX in yesterday and he didnt care and didnt want to assist. I have. Hacker that continue to take money from my escrow. My scammer is increasing my monthly mortgage and shes taken money from mortgage.
Product: Checking or savings account

I had a promotion XXXX bucks when I opened a business checking account at XXXX. I asked their representative XXXX in XXXX US Bank branch what do I need to qualify. She said just deposit XXXX in checking account. So I did it. I called customer service after 2 weeks later to ask for my XXXX bonus. They checked said I am not enrolled it the bonus because I didnt open their saying account. What? I double check with branch representative. She said everything is ok she already put code into my account. Then I went back the branch to talk with branch manager XXXX. They just reliazed they forget to help me to open the saving account. They said sorry to me they made this mistake.But she can not honor this offer to me. It is very unfair to me. They are the promotion creator. They should know the detail more than me. And if I didnt go back the branch. They still dont know either. And their attitude is not good. Why I should lost the bonus because of their mistake?
Product: Debt collection

Someone named  XXXX  called from Asset Recovery Associates stating that I needed to call regarding an urgent financial matter.     I have no idea what this could be about but in doing research I found out this company was a major scammer.