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

I was on vacation with my wife and suddenly our bank account was sending money to people we dont know. People in XXXX XXXX and XXXX and other places. I complained to the bank and they said it was thru XXXX and that it is totally secure so it had to be me. 
I never send thousands of dollars to strangers, let alone my own family. Im out {$2000.00} for 6 months now and I just learned about you guys. Please tell Chase to give me my money back.
Product: Credit reporting or other personal consumer reports

Received an email at XXXXXXXX XXXX on Friday, XX/XX/year> informing me that an amount of {$8100.00} needed to be paid toward my balance by XX/XX/year> or that I was at risk of having my credit reduced and my card frozen. The card was actually frozen on Saturday, XX/XX/year> shortly after receiving the above email. I have made 3 payments in the last XXXX weeks totaling {$4100.00} that is not counted toward the total {$8100.00} requested. I currently have no minimum payment due and an 18 history of timely payments. 

I have requested that the company provide me of the consequences of not paying upon their request and have been told that they are unable to do so given that the decision is still being reviewed by analysts. I feel that it is incumbent upon XXXX XXXX to inform me as a consumer how my credit will be impacted based on a decision to pay or not pay. Without that information, the consumer is unable to make an informed and educated decision.
Product: Credit reporting or other personal consumer reports

I have spent many hours and many phone calls to contact Experian concerning login to my account. When I call I get an automated answering service, which is no help. I ask for a live representative with no success. This is the issue : XXXX years ago I moved from XXXX  back to XXXX. My XXXX  email address and phone number were cancelled. Every time I try to login Experian wants to send an access code to my cancelled XXXX  phone number. Obviously that doesnt work. I have several times used their website, forgot user name and password to no avail. Their website indicates my date of birth or Social Security number do not match their records. This I believe is an inconceivable error on their part. I have on XX/XX/year> mailed a letter to Experian detailing the issues and also unlocking my account freeze temporarily. Experian responded in a letter unlocking the credit freeze on XX/XX/year>, but did not respond to my account access/login request. I appreciate your help, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am including the same message sent to XXXX XXXX via online secure message center that I was instructed to do per Customer Service Manager id # XXXX on XX/XX/XXXX and I just received some generic message not even related to my concern and was just brushed off by this company. The message I sent is as follows : I want the hard inquiries you put on my credit report removed immediately. I WAS NOT aware of the fact that any hard inquiries would be made on my credit bureaus due to an online request for limit increase as it never have been before, only soft inquiry. And nowhere on there does it state that a hard inquiry would be made. I spoke to a customer service manager, XXXX, yesterday id # XXXX who also verified that it does not state that a hard inquiry would be made and does not allow a place to click if the customer does NOT want to have a hard inquiry pulled just to get a limit increase as it would if a customer calls in and speaks to a rep over the phone. If I had any idea it would have been a hard inquiry, I would NEVER have made the request as it is not worth it to me. Please remove these hard inquiries from ALL my Bureaus and the limit increase has to be cancelled, please do. Customer Service Manager id # XXXX stated this would be done and could take up to 45 days to be removed by bureaus once XXXX submits the removal and that all I needed to do was to send the secure message requesting this online through the message center, so I fully expect this to be done. Thanks.
Product: Credit card or prepaid card

My Discovery Credit Card opened XX/XX/2017, My limit was {$3000.00}, currently it is {$2000.00}! Discovery Credit Card decreases my limit whenever it gets to 200-400 available credit!!! Yes! balance was high!! Due to moving into my New three story Town House in XX/XX/2017, my limit was close to max quickly!! I knew my Credit Utilization would increase and my Credit Score would decrease due to purchasing I needed to make with my new home. I gave myself 1 1/2 years to pay everything off! Spoke to rep and they said to make sure payments were made and to set up auto pay ( did that ) and I should be fine!! Payments are way over minimum!! Every time my Limit is decreased, my Credit Score goes down. Which affects my Credit Worthiness!!!
Product: Credit card

On XX/XX/XXXX the balance was checked and there was clearly an available balance for purchases with all pending transactions listed for the current day. 

On XX/XX/XXXX no additional pending transactions have been added, and there is a {$0.00} available balance. 

When calling the customer service line, customer service stated the current balance on the card of {$400.00} used did not include ANY of the pending transactions. 

Historically and in all transactions with this bank, the transactions does not become pending until it is added to the balance. 

There is a problem with customer service and how the account is being handled.
Product: Credit reporting, credit repair services, or other personal consumer reports

We are in the process of purchasing our first home. Since XX/XX/XXXX my lender has been trying unsuccessfully to pull my Equifax score and report. The response from Equifax is that no FICO score or information is available for me, but when my lender tries to get my Equifax score I get a notification about an inquiry from Equifax. After many calls to Equifax they asked me to fax my drivers license, passport, W2 and social security card to verify my identity and to be able to look further on the problem. Today XX/XX/XXXX I received a letter from Equifax confirming that all my information is correct but still my lender cant pull any type of information. Called again today and Equifax will look into the issue again. Also I have an Equifax monitoring service, I can see my report using the service but my accounts have not been updated since XXXX, my student loan was updated recently on XX/XX/XXXX. None of the information Equifax is providing makes sense. My closing date is 15 days away and as of today this issue seems that it will put an end of my home purchase since I cant meet my closing date. 
Please help with Equifax, I only need my info to be update and report it to my lender, I have been getting ready for this day for years and all my financials are in place. Thank
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact XXXX several times attempting to address this loan ; however they are unable to locate or provide any information concerning this loan that they are reporting on both credit report. I would like this information deleted and removed from my reports as they are not able to locate and provide needed information concerning this account. I have spoken to supervisors who never called me back to provide any updates on account to see if it was found.
Product: Credit card or prepaid card

BOA Business card charged for a XXXX transaction XX/XX/22, processed as cash transaction creating a fee and interest charges as shown on XX/XX/22 statement. Balance paid in full by due dateXXXX but interest charged on cash transaction carried into next month on balance. Charged again in following month XX/XX/22 on unpaid interest as it accrues interest daily. 

Creates a virtual loop of charges for unpaid charges even though you are paying on time. 

Only way to end was to direct funds transfer to pay interest charges XX/XX/22. Rate on cash was a whopping 22 %. 

Its a corrupt scheme to bilk consumers.
Product: Credit card or prepaid card

I opened up a XXXX credit card account using a promotional offer. I have spent the required {$500.00} within the three month promotional period and have yet to receive the {$200.00}.
Product: Credit reporting or other personal consumer reports

It showed up on, y credit and I said it wasn't mine at least 12 times, i said prove it they never did, so I have at least 8-10 times more asked them to remove and prove they never do, I have email them, called them Mailed them, on line disputed and nothing works very rude people on the phone, At Experion, XXXX shows in closed accounts and other accounts and it is not collectable and is not my Debt
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX  XXXX XXXX : {$1400.00} ; XXXX XXXX XXXX XXXX : {$670.00} ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

The statute of limitation in the state of Texas is 4 years. This exceeds the statute of limitation timeframe. I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4. ) Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ran my credit WITHOUT MY CONSENT OR AUTHORIZATION! Transunion or XXXX  did not properly conduct the investigation and has still Not removed this from my credit report hence me filing another complaint in less than 3 months!
Product: Bank account or service

While I was traveling my Debit card was fraudulently used for online purchases to XXXX and XXXX. 
I was able to obtain demographic & personal identification information about the person ( s ) who fraudulently used my card. 

I want to make official report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights 15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my Written instructions XXXX, Experian, and XXXX have refused to remove this account after submitting an identity theft report from FTC. XXXX, Experian, and XXXX has not furnished any documents for account validation after multiple requests. 

Account number reflects inaccuracy across XXXX, Experian, and XXXX Date Opened reflects inaccuracy across XXXX, Experian, and XXXX XXXX XXXX reflects inaccuracy across XXXX, Experian, and XXXX XXXX XXXX reflects inaccuracy across XXXX, Experian, and XXXX Date Last Active reflects inaccuracy across XXXX, Experian, and XXXX Date of Last Payment reflects inaccuracy across XXXX, Experian, and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, the XXXX student loans associated with my wifes XXXX education of which I am a consigner were purchased by XXXX XXXX XXXX. We immediately had issues with receiving the correct balance or amount due, nor could they ( XXXX ) explain why I was receiving late payments for loans not associated to my account number. This situation continued for the better part of 6 months when I finally was able to set up autopayments associated to the multiple accounts. Unfortunately, and what turned out to be unlawfully XXXX reported to the credit bureaus that I was late on payments an excessive number of times. I was never provided an answer as to why and was met with silence when asked for an explanation. 
Fast forward to XXXX of XXXX, the Covid crisis hits and my wife ( now a practicing XXXX ) is eligible for temporary deferment for the above-mentioned loans. We followed the proper procedure to defer and were assured by XXXX our account would remain in good standing. In XXXX, I receive yet another notification of 30 plus days non-payment for a second account number. Countless hours on the phone with XXXX determined that when the data was migrated to their system in XXXX of XXXX my social security number had been miss keyed by one digit on several of the loans, thus creating another me with a different social security number and a second loan number. XXXX representatives openly acknowledged their error and agreed that this was why I was inconsistent information each time I called. 
Following countless apologies and open admission of their error the issue was escalated to the XXXX collection team who were instructed to reverse the false entries in my credit report. They did not and refused to do so with no coherent explanation. Attached are detailed extemporaneous notes to capture in detail my years long interactions with XXXX. These notes clearly capture a level of incompetence and wanting negligence by XXXX that should be considered criminal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information on credit report. Inquiries from different creditors that weren't permissible. XXXX, Equifax and XXXX. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Mortgage

On XX/XX/2018 I received a Forearance Agreement from Seterus Inc the mortgage holder on my home. There were several discrepancies from what I was told over the phone the previous two weeks by representatives of Seterus I was told I could apply for a loan modification before the end of the agreement and if it was denied I would still be able to reinstate the loan by paying the monthly amounts past due and the difference in the forbearance payments and the monthly amounts owed The Forbearance Agreement however states " The loan will not necessarily be reinstated. '' Also on XX/XX/XXXX I received a " Notice of Acceleration '' from the XXXX Law Firm indicating they were going ahead with foreclosure. Attorney XXXX from XXXX was unaware of the Forbearance Agreement. 

Further, representatives from Seterus said they have no control over legal costs which opens the door for XXXX to rack up legal costs during the forbearance period. 







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Product: Money transfer, virtual currency, or money service

WESTERN UNION SCAM On XXXX XXXX, 2017 I sent three transactions of {$290.00} to my mother in XXXX Ms . I checked with her around XXXX : XXXX to see if she received the money and she told me there was nothing there for her to pick up, I then began to call Western Union customer service number printed on my receipt. I called so many times that someone actully came on the line, at that time I was told the money was picked up in XXXX Michagan. I live in Louisiana, my mother lives in XXXX Ms . I explained to the woman on the phone, that there was no way my mother could have picked up the money in Michagan. I was then informed that I had called back changed my number and authorized to have a security questioned added to the money grams because my mother had no identifycation. I was told by the lady that it would take 20days to investigate this situation. But received a call later that day telling me that my case was unrefundable becasue I was sending XXXX and not XXXX. I told the guy who called me from XXXX that their was no way that could have happened, then he asked me why I was sending this money the way I did I explained to him that me and my children all sent my mother XXXX each pay there own sending fee, so change was to be made. My mother is having a hard time and we each pitched in to help her out with her morage. I was then informed by the guy that, I should be more careful. I was looking over the receipt and I see that this same number is on my receipt as sender, I am thinking this is the guy I spoke to when sending the money. I really do n't know I just know that my mother never got the money, and we want answers since you can not call Western Union.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : BMW financial services acc # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, Your Name XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act ENHANCED RECOVERY COMPANY Account # XXXX, has 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

On XXXX XXXX, XXXX a XXXX Checking Account of {$260.00} was opened with the Citizens Bank in XXXX, CT as a requirement for an IRA account. The IRA was moved on XXXX XXXX, XXXX and the checking account was left. Unbeknown to us, because of insufficient funds ( {$5000.00} or less ) in the bank, a charge of {$17.00} was being removed from the account on a monthly basis. We had no idea that this was happening! No contact from the bank was ever made to alert us either by mail or e-mail. We have never received any statement from the bank from the onset. We never agreed to an e- statement they said we did. 
I filed a complaint with the State Banking Commission who sent it along to another because of not being of their jurisdiction. The case no. Assigned is XXXX. 
I received a letter from theCitizens Bank XXXX XXXX with copies of statements showing the depletion so that we never received! They also refunded one half of the funds, {$130.00}. I called her and explained the above and said that was all they were willing to do. Please look into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

all filed FTC : accounts as stated : XXXX XXXX {$200.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$130.00} XXXX XXXX {$370.00} uS Dept ED {$5500.00} deptedXXXX {$5500.00} XXXX {$410.00} XXXX XXXX {$350.00} XXXX XXXX {$410.00} XXXX XXXX {$740.00}
Product: Credit card or prepaid card

I originally applied for a business credit card with Chase Bank on XX/XX/2018. I was informed the process could take up to 30 days. Early XX/XX/XXXX around the XX/XX/XXXX I called Chase Bank to get an update. They stated that it had been declined and they could not tell me why that I would have to wait to get the letter. The bank rep stated I should have already received the adverse action letter. I checked and did not receive it at my home or business dress. I called back in on XX/XX/2018 and asked why I had not received the letter and they stated they were not sure and tried to get me off the phone citing complications with their process. I spoke to a man named XXXX who stated that they declined it because they needed proof of my address but would be happy to reapply with me over the phone. I stated that until I got the letter I would not provide any more information and XXXX got upset with me. I asked to speak to a manager and he stated that I could not. I asked to speak to a supervisor and said no one was available and I felt as if he was being hostile. I am very upset that they have not followed the federal lending guidelines and supplied a reason in writing for my declination