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

On XX/XX/XXXX I went to an ATM to withdraw money but the ATM told me that the account was blocked. I went into the bank on XX/XX/XXXX I went into the bank and the bank telller told me that there had been a withdrawal of XXXX USD on XXXX XXXX and paid some bills on XX/XX/XXXX. I said that my last transaction was on the XXXX of XXXX and that said that I did not recognized these transactions on the XXXX. 

They said that EDD had frozen my account because of security reasons. I have gone into the bank account many times. They said that my card was blocked now and that they would send me a new ATM card, they did. I called to activate my new card. However, now with the new card which is already activated I went to the ATM and tried to access to my account however it says that is still blocked. I have called repeatedly to the bank and they say that it is blocked because the Employment Development Department of California blocked the account because of the fraud. I have made numerous attempts with both the EDD and Bank of America to get my account unblocked but with no success. They each tell me that the other one has to do something. 
The claim number XXXX. 

I am a senior who does not speak english. I have XXXX and my children have XXXX. I need help to access my money. Please help me.
Product: Checking or savings account

TCF bank has failed to honor their {$250.00} bonus for meeting their requirements. 
Based on a promotional flyer I opened a TCF " Free Checking '' account on XXXX XXXX 2017. 
The promotional code of XXXX was inputted by the customer support agent. 
The requirement to direct deposit {$500.00} was met on XX/XX/XXXX, within the 60 day window permitted to meet the {$250.00} bonus requirement. 
On XX/XX/XXXX I called the TCF customer support number, XXXX to inquire why I did n't receive the bonus since the requirements were met. At first the customer support agent did n't want to honor the bonus, but then he said he would, and that it would post on XX/XX/XXXX. The bonus never posted on XX/XX/XXXX. I called up the Customer Support again on XX/XX/XXXX and this time the agent said they would do research, and get back to me in a few days with whether or not they will bother to honor the marketing promotion bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, XXXX Account XXXX XXXXXXXX, 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

We were first with XXXX XXXX, over 20 years. We fell behind due to my wife in a bad accident, and only 1 income coming in. My wife got better. XXXX  granted us a modification, putting everything on the back end. We were told we were up to date. We were never behind on our mortgage again. We were never told when our maturity date was reached we would have to pay the back end in full. 
The a few years later. XXXX  sold our loan to Fay Servicing. They did not tell us, we received a letter in the mail telling us so. 
And us not to send them anymore payments. We been with Fay Servicing about 6 years now. We were told by Fay Servicng XX/XX/XXXX our maturity date would be XX/XX/XXXX. So in XX/XX/XXXX I contacted Fay Servicng to see what we needed to do. They said would send a payoff package of paper work we needed to fill out and send back to them. We received those papers in XX/XX/XXXX. In those papers explaining to us to pay {$6600.00} by XXXX in Certified money or check for our last payment. I was confused. I called they explained it was the back payment from XXXX. And they would give an option to refinance or foreclosure. Which we refused, and said we have never been late, we are up to date. We just want to finish paying our payment to the end. 
The other option filling out Applications. 
They then send us another package called Applications XX/XX/XXXX saying they will let us know. I been calling them everyday. Now we are hit with this Coronavirus Pandemic. 
They told me today over the phone they denied us to continue to finish paying out our loan. We were up to date on our payment. Only other option we have is refinance or foreclosure. Or they said we can appeal. The appeal will be going back through Fay Servicing that's already made a unfair decision. We see our maturity date XX/XX/XXXX right around door. I said it do not seem as your mortgage company Fay Servicng is trying to help sound like you are trying to take advantage. 
This complaint is against the company of Fay Servicng. 
We feel they are trying to take advantage of us, and take our home away after we been paying on it all the years. 
Can you please help us XXXX & XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Va. XXXX [ XXXX ] XXXX
Product: Credit card or prepaid card

I previously had a card with XXXX Bank, Bread XXXX  bought my debt and changed my card. Prior to this I had automatic payments set up on my account with XXXX, I get a phone call one day that my account is over 30 days late from the new card company. So I paid the bill, after I called my original company to find out what happened. During this time, I received no word from either company about this buyout, and I did not receive a statement from the new issuer, still they have reported my payment late, and refuse to amend it, aside from that they increased the interest rate on my balance and list it as a cash advance, all of which are issues now that I am trying to buy a home.
Product: Consumer Loan

I have been disputing with the Credit Bureaus the amount of a repossessed car I purchased with HONDA beginning in XX/XX/XXXX-XX/XX/XXXX. The purchase of the car was XXXX with a mandatory warranty, that i could not deny or remove from my loan. My payment was XXXX monthly. I was let go from my company in XX/XX/XXXX, and I kept up with my payments until I could not any more. I made last payment of XXXX on XX/XX/XXXX. My car was repossessed XX/XX/XXXX. The amount I had left on the loan was XXXX. I never received notice of sale nor did i receive an updated amount that i owe after the sale of the car. My credit report states that i owe XXXX. I need assistance please
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. 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. 

15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

In retaliation for filing a CFPB complaint ( XXXX ), XXXX XXXX re-aged an account on my TransUnion credit file.As per the Fair Credit Reporting act, this is illegal. Re-aging a debt for this reason is a FCRA violation. Violations of this provision may result in civil penalties of {$2500.00} per violation. 

On my XX/XX/XXXX credit report, it states that the account was closed on XX/XX/XXXX. My CFPB complaint was sent to XXXX XXXX on XX/XX/XXXX. On the report I pulled today, it states that the account was closed XX/XX/XXXX which is flagrantly retaliation for filing a complaint.
Product: Checking or savings account

I received my XXXXXXXX XXXX  on Chime paid my car and insurance. They closed my account and kicked me out of the app. I called and they would only say I broke the rules not tell me how or send proof. After 30 days with no money they mailed me a fraudulent refund check I put it in my new account and they wouldnt let me in either. After calling everyday they still wont do anything about this. I lost my car and insurance and now Im losing my apartment as well.. I have no idea what to do I have no way to make money
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my recent report, I have found erroneous information 's reporting on my Equifax Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to Equifax to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card

You never fixed my account. My balance is still over {$XXXX0}. The company owes me {$XXXX} for making the payment. You closed my complaint. Without fixing the problem.
Product: Credit card

On XX/XX/2024, I went to XXXX XXXX XXXX in XXXX XXXX, CA to shop for furniture. I was helped by an associate XXXX XXXX. At several points during our conversations, I stated I wanted to use my existing XXXX account XXXX pay for my purchase. After choosing my furniture, XXXX XXXX collected personal information from me and then ran a credit application without my knowledge or consent. I was told after that he had " good news '' and I was approved for an account with Concora. I immediately stated I did not want this new account and asked why my existing ( XXXX  ) account was not used as I had indicated. His response was that the " system '' chooses. He then said not to worry because it was a soft credit pull and would not effect my XXXX XXXX. Both he and the floor XXXX assured me they would cancel the account, and proceeded to charge the purchase on my existing Synchrony account as I had always indicated. 
However, the next day I received a notification from my credit monitoring that there was a hard pull from this fraudulent application, and also found out that XXXX XXXX nor the XXXX closed the account. The store proceeded to tell me to " ignore '' the emails from Concora because the account would go away and it wasn't " real. '' After confirming with Concora that the account was in fact opened ( not just a pre-authorization as XXXX indicated ), I called the store and was refused assistance with resolving the matter, being told that " what is done is done. '' I called Concora and closed the account, however, the hard credit pull is still on my credit report and both Concora and XXXX are refusing to assist with removing the fraudulent activity. I also want to make sure this fraudulent account is not added to my credit report and they do not try to collect any annual fees since I never authorized the application or opening of the account.
Product: Checking or savings account

I saw a promotion on citi.com when I logged in to see my credit card information ( I have two citi cards ). I was presented a promotion that if open a XXXX  XXXX XXXX XXXX savings account, after 60 days I will get XXXX XXXX miles. Since I have a Citi AAdvantage credit card, this is a very attractive offer. It was a tiered offer. I selected the offer to earn XXXX AAdvantage miles after depositing $ XXXX in a Citi 's savings account. I opened the account and moved $ XXXX into that account on XX/XX/XXXX. I think it was in XXXX that I noticed that I still haven't received the miles. I called Citi and I was told that I need to allow 90 days after the 60 days to get the miles. So the agent told me to wait till after XXXX. I checked on XX/XX/XXXX and the miles still didn't get credited. So I called Citi again. The agent checked my account and said she will open a case because everything looks right and she doesn't know why the miles weren't credited. She said there may be something wrong with the system. So she ordered an investigation and said it will take 5 days. I checked my Citi account on XX/XX/XXXX. An electronic letter was sent to me. It says that my account was not associated with this offer. So I must present some proof that I received this offer. But Citi should know that I got the offer because they presented this offer to me, and I have no paper trail to present since it was online upon login. Also, it was not clearly disclosed that I had to wait another 90 days after the initial 60 days. This savings account has a low APY of XXXX. My other savings account with another bank is at XXXX at the time, and now at XXXX. I lost the higher interest and didn't get what was promised to me. That is completely cheating behavior. They are ripping off customers. Also the agent said that I could have moved my money away after 60 days but that was not disclosed either. This is typical big bank behavior to rip off their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. I have the right to dispute incomplete or inaccurate information that is reporting on my consumer file. In the attached exhibits you can see the inaccurate and incomplete information that Experian has been reporting on my consumer report.
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  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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: Debt collection

I am filing a formal complaint against TransUnion for failing to comply with federal credit reporting laws by not removing inaccurate information from my credit report within the required timeframe. On [ date ], I submitted a dispute regarding an erroneous account reported by XXXX, which does not belong to me. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), TransUnion is required to investigate and correct or delete inaccurate, incomplete, or unverifiable information within 30 days. However, despite my dispute and supporting documentation, TransUnion has failed to remove the incorrect account within the mandated period, causing unnecessary harm to my creditworthiness.

Furthermore, under 15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of consumer credit reports. TransUnion 's failure to act promptly in removing this disputed item constitutes a violation of this provision. Additionally, the continued reporting of inaccurate information directly violates my rights under the FCRA and subjects me to potential adverse financial consequences, including increased interest rates and denial of credit opportunities. The Consumer Financial Protection Bureau has consistently upheld that credit bureaus must strictly adhere to these legal requirements, and I request immediate intervention to enforce compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX XXXX owned by XXXX XXXX in XXXX, Michigan added {$1400.00} non-itemized damages to my resident ledger after I moved. I notified management that my family would be moving out at the beginning of XXXX. We lived at the same apartment XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX and moved out on XX/XX/XXXX. The lease was through XX/XX/XXXX and I paid for that month in full. Management was notified on XX/XX/XXXX that we would not be renewing our lease. I spoke to management on XX/XX/XXXX and was given a final payment of {$940.00}. My security deposit of {$840.00} was never returned and I started receiving collection calls from Fair Collections and Outsourcing XXXX Inc. beginning in XXXX. 

I called the collection agency to find out what the balance was for as I never received any documentation from XXXX XXXX. I was told that there were balances for utilities for XXXX as well as " Damages '' They could not produce any listing or evidence of the damage. 

The apartment was an older apartment when we moved in. No updates had been made in many years. There were several repairs reported to management while my family occupied the apartment. Item number 18 of our lease is Owner 's duty to repair. There were many repairs needed while my family lived there. All were reported promptly and none were caused by my family and none were repaired correctly. This includes a broken window, water leaking into the main bedroom causing mold, mold and no working fan in the bathroom, the stove vent did not vent outside of the apartment, a leak from the upstairs apartment into our kitchen light socket, and the furnace was leaking water into the living room. 

In the storage area there are boxes of previous tenant records that are available for anyone to rifle through, it is not a locked area. This management company is sloppy and has been a detriment to many renters and past renters. 

I have disputed this collection because I do not believe there is {$1400.00} of damage. I believe this company is trying to extort money from me to upgrade their apartments. I received nothing from the credit agencies but it is noted on my credit score that the collection meets FCRA requirements. I have heard from other previous tenants that the same charges were added to their ledger after moving as well. I would like a list of what these damages are. How can I dispute these damages when I don't even know what they are?
Product: Credit card

I had a balance with American Express. I paid off the complete balance two days Before the statement period. They still charged me interest after I paid the abalance in full. They let me know they charge me interest twice a month. I had no clue. No other company does this at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT RECOGNIZE THESE INQUIRES ON MY CREDIT PROFILE. THE DATE OF ALL INQUIRES LISTED ON REPORT ARE THE SAME ( XX/XX/2022 ) 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has stolen my identity and using my ss # on the XXXX XXXX. First I want to state on my Equifax report there are several addresses for me in XXXX XXXX Nevada that aren't mine and neither have I ever lived there they are listed below XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada I never resided at any of these addresses I live in XXXX, Al Also there are fraudulent accounts in my name that was open up in XXXX XXXX Nevada and again I reside in XXXX, Alabama These are the accounts please investigate these fraudulent accounts and remove and also see where my information. Was found in over 23 data breech I am uploading. Please remove these fraudulent accounts ASAP XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquires on my credit report.Please dispute and remove listed fraudulent inquiries from my credit report XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> 2024
Product: Credit card

In XXXX or XXXX I created a dispute for {$1200.00}. I never received the order. CitiBank/Home XXXX says it was delivered XX/XX/XXXX. They also claim it was signed for. I was returning from California on that date so there is no way I could have signed for it. In addition it was going to my office building which was closed for the holiday. They offered a settlement of {$350.00}. Unsatisfactory! I tried to call CitiBank several times after that and could not get through to a real person. I finally had to go into XXXX XXXX and have the manager call. I reopened the dispute in XXXX of XXXX. I had not heard from them for several months so, I called and was told they closed the case without any correspondence or phone calls. On XX/XX/XXXX, I sent a certified letter. To date I have still not heard a word from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$620.00} ; XXXX  XXXX Balance : {$500.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Checking or savings account

Called Truist as to why they charged {$3.00} on my business checking account. It showed as force pay debit. I received no letter with explanation. They could not tell on their side that it was a bank assessing the fee and had me on hold for 2 hrs with the fraud department and then they just asked me at the end to go to a branch. I still do not know true issue. They didnt tell me what the {$3.00} was for and would not confirm on the phone if it was a fee from the bank.