23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I get XXXX direct deposited onto my direct Express card through Comerica Bank last week I had my card stolen and I got my new card and it said on XX/XX/2019 all my money will be available but they never transfer my money and I've been trying to call them since for a week now and no one is answering or transfer my money and it's messing up my life because my bills are not paid and I'm late on my rent and I might be evicted and I think that they should waive the fee of XXXX that I had the card expedited to me and you know this is like really upsetting where are these people with this Comerica Bank on the paperwork it says they're open 24 hours a day 7 days a week but they're not even answering the phone
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, Experian, HAS NOT UPDATED MY PREVIOUS ADDRESSES CORRECTLY. I have attached the inaccurate address printed from Experains website. My previous address was XXXX XXXX XXXX, XXXX, NC XXXX. Which is spelled out incorrectly on there website. I have attached that to show as proof of inaccuracy. When I printed my Experian consumer credit report on XX/XX/2021 and the PREVIOUS ADDRESS are inccurate. The print out version of my credit report has 2 incorrect addresses. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX IS NOT MY PREVIOUS ADDRESS. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX IS NOT MY PREVIOUS ADDRESS. Check the dates that I printed these document as well. One document is a print out and the other is from a website screen shoot of my personal information. Both come from Experian website.
Product: Debt collection

I have encountered with an account that I have never opened. XXXX XXXX XXXX has issued a debt and went into collection its {$1200.00}. I know its not a lot of money but why would I pay for money I never used? Ive been trying to fight this off my credit and I came to find out about these accounts when I got out of my XXXX and logged into XXXX XXXX. I was shocked oh how many inquiries and this account were open. Please help me. My identity was stole and I have attached a statement.
Product: Debt collection

I wanted to open a checking account with XXXX, but it was denied. the XXXX bank gave me a letter stating that i had to contact the Bureaus. that is when i decided to check my credit and it had dropped from being at XXXX XXXX, XXXX XXXX, XXXX XXXX to the XXXX 's I called the Bureaus in regards to my credit report being a Victim of Identiy theft, they requested a Police Report, Which i did fax over. Asking them to fix my credit report and restore my Scores back .. i have not being helped. this issue is keeping me from having a Normal life. I Need Help Please. Thank You ..
Product: Credit reporting or other personal consumer reports

FRaudulent acccounts XXXX XXXX XXXX, and XXXX XXXX XXXX must be removed from my credit report after required documentation was submitted. I was denied credit becaUSE OF THIS. 

I SUBMITTED MY POLICE REPORT ID SOCIAL SECURITY CARD AND A BANK STATEMENT. these companies have incorrect addresses and phone numbers for me. 

The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to remove inaccurate or unverifiable information from a consumer 's credit report. This includes accounts that are erroneous, incomplete, or outdated.
Product: Mortgage

My father passed away the house was transferred to me I made payment to Wells Fargo and kept trying months went on for almost a year before they would even allow me access to the account to make payments. They rarely returned my calls, and when I called I sat on hold sometimes up to 45 min! I fell behind on the payments I was asked to make payment for a trial period to catch up but I was given 3 months to do it but I still had no information from Wells Fargo on assuming the loan or where to make payments they kept telling me that my representative was on vacation well long story short I LOST my fathers home my inheritance and my childhood home to foreclosure! I had tried several times a day to talk to them they never returned my calls or emails and I sat on hold for hours!,, they now have my home listed for a large amount of money AND they are listing FALSE details regarding the home such as square footage bedrooms etc can someone Please help me I have a entire folder of a years worth of information and dates and documents that I am more than willing to hand over and share to show Wells Fargo is dishonest and does very shady business they ripped me off and basically stole my home!,,,
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts 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  pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Debt collection

In   XX/XX/XXXX  m y Bankruptcy was  discharged  in th e Federal Court in    XXXX   XXXX . Included in the bankruptcy was a mortgage on a piece of property located in  XXXX ,   XXXX   which we did not retain. The Mortgage compan y (   XXXX   XXXX   ) file d for foreclosure in  XX/XX/XXXX , the district court in  XXXX ,   XXXX   dismissed the case finding the Mortgage company had engaged in illegal lending practices. In   XX/XX/XXXX     XXXX   XXXX   sold the mortgage to  Shellpoint  Mortgage company, this this point to date Shellpoint continued calling me and sending me letters stating that I owed them this money, I explained that this was  discharged  in bankruptcy and request that they do not contact me on this no longer, They have called me no less t hen 30  times and continue to call, I have also found that they have placed derogatory items on my credit report causing me to be turned down for recent loans. How can they continue to do this after the item was discharged in bankruptcy, I understand that the original lender had the right to foreclose, it has be 7 years and 120 days since I stop making payments to the original lender.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsible to report consumer information to the best of their ability with maximum accuracy. I never been late on the accounts that i provide inside the complaint. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be uploaded to paid as agreed on time as they should be due to the fact i was never late Thanks! 

XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

See attached results of dispute from XXXX XXXX XXXX  ... This account was not closed properly by XXXX XXXX XXXX ... It was never past due and never late. XXXX XXXX needs to update this negative report.
Product: Debt collection

I was allegedly accused of owing the amount of {$1000.00}, on XX/XX/XXXX. The name that the billing statement was made out to is not my name. I sent a debt validation letter on XX/XX/XXXX and I received medical records with the same incorrect name. I also never signed a HIPPA form authorizing them to have access to any medical information of mine. Please delete this information from my credit file and cease all collection activities immediately.
Product: Checking or savings account

This is a complaint with respect to two responses received from XXXX XXXX XXXX ( " Bank '' ). The complaint numbers were XXXX-XXXX and XXXX-XXXX. The responses provided were factually inaccurate and potential libel actions. The Bank 's employee has lied about the series of events that occurred. My wife did not use any " inappropriate language '' nor did she commit any " inappropriate actions. '' Furthermore, the monetary relief the Bank claims it has provided is not relief of any kind. It is the return of our property ( i.e. the funds in the account ). No compensation or apology has been issued by the Bank or any of its employees. In fact, it was the particular Bank employee who escalated the situation and caused a scene which made me fear for my safety and the ability to have continued access to my property. Frankly, it was the worse customer service experience I have had in my life. This whole situation could have been avoided had the Bank employee let me access my safety deposit box during my daughter 's wedding. It was only when I pointed out a flaw in their security procedures that the Bank employee became defensive and raised her voice. The reason for resubmitting this compliant is to bring to the attention of the Bank the actual events that occurred and to affect actual change there, so this does not happen to any other customer. I hope this complaint is taken seriously because the deceit and duplicity my wife experienced as a customer of the bank ( for over a decade ) is simply unacceptable. There are consumer protection laws to ensure that customer do not get treated this way, and I would much rather have this resolved in this manner than take legal action for the way my wife was treated. Please address this immediately and provide some actual relief, rather than deceptively implying that monetary relief was provided in this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid off thru a settlement transaction an old derogatory account of a Credit card that belongs to XXXX XXXX XXXX ( XXXX ) XXXX XXXX with a 3rd Party ( XXXX XXXX XXXX XXXX ) and I will be closing my first home in XXXX County Area in Florida the next XX/XX/XXXX. so the Lender is financing me gave me the opportunity to try to expedite the process of report the account properly in all 3 Credit Bureaus Companies as soon as possible to try to raise my XXXX/Credit Score and Report, in order to prevent high interest mortgage loan that i should not deserve if I was responsable paying off accounts that affects my Credit in General
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Social security # XXXX Good morning I have a little over two weeks of trying to get a new card issued for my unemployment benefits and have already fax all the information that was requested from me such as identification and proof of residency. Ive called Reliacard services and no one has helped me fix my address so that I can get a new card issued. I keep getting transfer over and over and I do not mind the wait time If only I was getting the assistant that I need. Ive tried calling different numbers and I cant get any help my benefits for unemployment have already been issued to the Prepaid Reliacard. My rent is coming up and I am having a bit of anxiety that I cant get a card sent to my correct address.
Product: Money transfer, virtual currency, or money service

XX/XX/2022, Received an email from PayPal stating : You can't use PayPal anymore We noticed activity in your account that's inconsistent with our User Agreement and we no longer offer you PayPal. You can still log in and see your account information but you can't send or receive money.

Anymoney in your balance will be held for 180 days, after which we'll send you an email with instructions about transferring your money. 

I opened the personal account on XX/XX/2022. In order to receive money from my father while I was out of town. The account was set up and used for him to send emergency funds to me. Now they are holding my balance of {$240.00}. Which was money sent by my father to cover expenses during this situation. The account was only used so I could receive money from my father, who already had an account. 
All transactions were completely legal. I only received money from a relative. The only other use was to make a few necessary purchases hotel rooms and XXXX. There was no other activity. Completely legitimate transactions under the PayPal rules and policies. 
When trying to send funds to my bank/debit card, it wanted further verification. I sent my ID and immediately after I sent my newly opened account statement they sent the email mentioned above on XXXX, XXXX. 
They did not ask for any other information. 
The account and money in it are mine alone. I do not sell or do business or purchase prohibited products and have no idea why they wouldnt let me transfer or send my money out of the account before they decided to close the account. 

XX/XX/2022, they closed my account and refused access to my balance of {$240.00} for 180 days. The explanation for the delay does not apply to me. Because there are no outstanding issues. All purchases were completed and all money transfers were to only me and sent from my father for nothing in exchange. Just a gift. 

On XX/XX/2022, I called and complained and asked for a swifter resolution, in order to have access to my funds. They responded they will send an email in XXXX instructing how to receive that money. I was told they would submit my case for a secondary review. Which I will be notified in about 5 business days later.

I have no reason to believe they will grant access to my funds sooner or actually communicate the concern, so I can resolve this issue. 
PayPal has been quite deceptive. Freely allowing money to be deposited into the account held by them, but making it difficult to use for purchases or to send and withdrawal. The account only open a month and not used much.

PayPal must return my money to me as soon as possible. And contact me in order to insure they have the correct contact info needed to make sure the funds are sent to my address or other account. 

I never experienced money being withheld where none is owed. 

I appreciate the agency helping to correct these improper holding of my personal money and to resolve any misunderstandings.
Product: Checking or savings account

Back in XX/XX/XXXX a checking account was opened in my name with Bank of America I called on XX/XX/XXXX to Bank of America to Fraud department letting know this was not opened by me they sent me the claims letter to fill out mind you I alerted them. They marked my account as if I did the fraud what is that I reported to them so unable to open account anywhere.Sent all the information that was need as the account was open online with No ID or Signature over the internet. Never heard anything called 10 times no response always get customer service agents they never can put you through the claims person and the claims person doesn't call you back. Finally I get irate because this is stopping me from getting home loan, personal loan lines of credit really hurting financially and stopping me from enjoying getting home making the process horrible stressful and exhausting. I had fax confirmation on sending my information bank of America said they never received and still again could never speak with the fraud claims person no name nothing. Now XX/XX/XXXXThey finally receive the proof they asked for provided police report and documentation showing never lived at the address that s on the account. I still not heard anything and called numerous times with no luck can please help get this taken off since bank of America continues to hurt my credit and this so wrong and unprofessional. I need my life back and the privilege to bank account. thank you
Product: Credit card or prepaid card

On XX/XX/2022 my daughter was offered a Kohl 's charge card with a discount for opening the card. Her charges were put on my card instead of hers. When I discovered this on XXXX, I was told by Kohl 's oh well at least you know her and they hung up. I tried calling again on XX/XX/2022 only to be told the couldn't help and they hung up. On XX/XX/2022 I went to the store and was told that they couldn't help me I would have to call. I tried calling as soon as I left the store only to be told there was nothing they could do. Called a fourth time and someone looked into it further, but again could do nothing. 

My daughter opened her own card for the discounts. I did not authorize the two charges on my account from XX/XX/2022, in the following amounts, {$17.00} and {$160.00}. My request was they can see that she placed the order, so I want them moved from my account to hers. They can clearly see this, but won't do anything about it. They are allowing and unauthorized signer to use my account. 

They are also misrepresenting the offer made to my daughter, but not giving her the discount.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 

Complaint Summary : I am submitting this complaint against Transunion regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
I review my credit report and I discovered discrepancies in the following account 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  Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Transunion has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Mortgage

XX/XX/XXXX This Letter is to make a formal complaint against PNC Bank Mortgage. <P/>Loan # XXXX XXXX XXXX XXXX XXXX. XXXX, Maryland, XXXX Letter Dated : XX/XX/XXXX : Approval for a conditional trial period plan letter : On page 1 of 7 Second paragraph : .. here are the terms of your conditional trial period plan,. if you complete the trial period you will receive a modification with an interest rate of 3.25 %..
<P/>
On XX/XX/XXXX I got a letter of shortage on the ESCROW Account shows {$1300.00} Shortage. We are starting a new loan, so WHY are they charging this bill now. Showing a new payment of {$1500.00} This type of mistakes on PNC Banks Documentation should be punish big time. <P/>On Final documents the interest rate is 4.25 %. <P/>EXHIBIT # 1, Signed by UsXX/XX/XXXX and by PNC on XX/XX/XXXX : Total cash due from borrower : {$1500.00} NOT {$1500.00} Interest rate of existing mortgage 4.0 % AND IT IS 3.25 %, NOT 4.0 % and new modification interest rate is 4.25 % NOT 3.25 %, which they promise as stated above. <P/>I do believe that their way of doing business is ILLIGAL. EXISTING UNPAID BALANCE {$240000.00} NEW PRINCIPAL AMOUNT {$240000.00} WHAT ABOUT THE 4 PAYMENTS OF {$1500.00} FOR THE TRIAL PERIOD? THAT TOTALS {$6200.00}? <P/>When I spoke with my PNC Point of contact XXXX XXXX and then with another representative because XXXX XXXX was not available, both PNC Bank representative told me it is what it is, and if I do not like it, I could stop all the process, catch up with payments and keep making the mortgage payments on the original loan. I felt like they are telling me take it or leave it. No professional courtesy and lack of customer service. <P/>They argue that all this new payments and 1 % higher interest are because I was delinquent which is not true. I was never late, nor behind on my payments and the purpose of doing this modification was to lower the payments by reducing the loan amount which happen to other families, and to lower the interest rate so my payments will be lower. I will be saving about {$330.00} a month, but I am starting a new mortgage for 40 years, this is not right, because I had only 10 years left om my original mortgage. <P/>I have accepted the terms imposed ( Illegally ) by PNC Bank because my monetary condition. I am disable for the last 2 years on a fixed income, and my wife lost her job after 17 years with the Federal Government. We are being forced to their conditions and they are not playing by the rules. <P/>I do believe they need to be punish. <P/>Please see respective attachment provided by me. <P/>Sincerely. <P/>XXXX XXXX H. XXXX C. XXXX