23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

My wife and I applied for a used car loan through US Bank. We dealt with XXXX XXXX ( The Branch Manager at their XXXX, CA location ) who was nice at first, but proved to be a bad banker in general. 

US Bank approved us for what we needed for the car ( $ XXXX ) and offered us great terms. Despite applying together, XXXX advised my wife and I to remove me from the loan because she carries most of the income and I carry most of the debt. He claimed he could get us more favorable rates with just her. I was confused because our other lenders wanted my name on there and werent concerned about it raising our rates, but we agreed and went ahead anyways : they were offereing us great terms at a great rate. I spoke with XXXX many times before and during our purchase to make sure everything was OK with our loan. He told me a number of times everything was fine and we were greenlit to buy the car. He even issued us a pre-approval letter verifying the $ XXXX my wife had been awarded. Within minutes of purchasing the car I got a phone call from him asking if I 'd been successful. I said yes, and then he dropped the bomb. He claimed that he had just received a call from their underwriter saying they 'd adjusted our loan down to $ XXXX instead of the $ XXXX we had a pre-approval letter for. Despite having a pre-approval letter and over XXXX phone conversations to confirm, somehow everything fell apart in the 10 min after I 'd bought a $ XXXX vehicle and US Bank was no longer able to lend us what we needed for the car. This was very much a bait and switch tactic. I was told there was nothing they could do and I would have to return the vehicle to the dealer if what they offered us was not sufficient. 

Based upon a conversation with a banker at a different bank we discovered that XXXX gave us some horrifyingly bad advice and mislead us as a banker. He misunderstood his own underwriter 's requirements and it was his advice that ultimately caused the underwriting issue. It should be acknowledged as well that the other banked also stated there should be no way for an underwriter to come back and change a loan amount after a pre-approval letter has been awarded. XXXX had suggested we take my name off the loan to remove some debt from the records, but neglected to realize that my wife had never been approved for such a big loan by herself before and as a result ( according to XXXX ) the US Bank underwriters became concerned with the fact that she 'd never had a comparable loan. Had he included me on the loan, that would not have been a problem. 

It should not be the case that after 10+ conversations and a pre-approval letter that our loan could be unilaterally changed on us and it should not be the case that one bankers incompetence should be a burden we have to bear.
Product: Bank account or service

On XXXX XXXX, XXXX, I visted the M7T Bank Branch located in XXXX PA. after expecting fraudulent charges were made against my account. Initially the bank gave me a provisional credit ; however, on XXXX XXXX, XXXX they reversed the credit. I was supplied with the name of the person who made these charges and immediately filed a police report, and supplied M & T Bank with the protection from abuse order filed on XXXX XXXX, XXXX against the individual and the police report number. M & T will not let me speak to the someone in the fraud department, nor will they refund my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received correspondence from Sunrise credit stating I owe them XXXX. I have never had a contract nor heard of this company. I requested a letter of a sign contract with the company and they provided a bill which does not state i entered into a contract with this company at any point and it is now on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This loan was paid in full in 2013. Acct. # was XXXX. It was never reported as paid in full or closed. Tried to call the bank but line is always busy.
Product: Credit reporting or other personal consumer reports

Early to mid XXXX, I received a procedure that was substandard and despite several attempts to get this repaired, the company was not able to. 

At this point in XXXX, we were going back and forth regarding a full refund to the account which the merchant did not approve. 

After several attempts, in XXXX they authorized a full refund and a deletion on my credit report. 

In XX/XX/year>, XXXX and XXXX properly deleted my account but XXXX has yet to do so which is causing dilemmas with my ability to receive a loan. 

The merchant is XXXX XXXX and Cherry Technologies is the financing company for the merchant. Cherry technologies is whom is reporting the debt.
Product: Debt collection

Transworld has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with WFDS. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX  and XXXX  with no successful resolution. There was definitely an error on their part. I was never late.
Product: Payday loan, title loan, or personal loan

I have purchased a merchandise using installment load by affirm. The order has never came through and after a week or so I had to cancel the order with merchant. But Affirm charged me a down payment. When I came back to Affirm telling that I cancel the order because the merdant never received it and sent all proofs from merchant, Affim has never refund my down payment. I called and texted XXXX times and each time they told me that they escalate the case. I had to resolve the issue by disputing it with my credit card but I want to report Affirm fraudulent behavior
Product: Checking or savings account

I initiated a XX/XX/2021 withdrawal request in the amount of {$4400.00}. There were three transactions selling XXXX to support the withdrawal request in the amount of {$4400.00}. I followed up on XX/XX/2021 and was told the first request failed and to submit another request, so I initiated a second withdrawal request. I followed up on XX/XX/2021 and was told on XX/XX/2021 the second withdrawal request failed and that I should put in a third request, where customer support would forward my request to IT afterward. Counting today, it has been 13 business days since XX/XX/2021, which exceeds the 5-7 business days for the withdrawal of funds to take effect. I understand the cash is still in my XXXX XXXX account but I'm not understanding why this hasn't been transferred to my checking account.
Product: Checking or savings account

I have covid ... I went to the bank and told them that through the intercom in the Drive-Thru and they refused to give me a replacement debit card! They were screaming the fact that I had covid over the loudspeaker loud enough for everyone in line to hear it ... .and when I called the bank they weren't even able to handle it ... the manager of the bank was hanging up on the customer service person. It was unprofessional and XXXX. I have been a customer for years.
Product: Vehicle loan or lease

I have an unauthorized inquiry on my credit from Chrysler Capital. I demand to know the name of the individual that submitted this fraudulent inquiry into my credit so that I can refer them to the local police for prosecution. This inquiry is fraud.
Product: Credit reporting

Experian is reporting an account for XXXX XXXX that was discharged XX/XX/2003 and is over 7 years in violation of FCRA.
Product: Credit reporting or other personal consumer reports

I applied for a credit card at key bank and was discriminated.I was told my score was XXXX on equifax.I check my equifax credit report my score was XXXXXXXX XXXX  employee told me your score is not all that it's only XXXX downplaying my score as if it's bad.This happen at XXXX XXXX XXXX XXXX spoke to XXXX They lied and said I have auto loan which is paid for.I told them not to open account if you not going to give me high limit.My credit score went down because of this.
Product: Debt collection

I contacted NCB management back in XXXX to have this debt resolved and removed off my credit report. NCB management blocked calls from calling their call center for roughly 2 weeks. I still havent been provided with no answers to any of my questions. I asked them to remove this account off my credit report until they complete their investigation. This company is holding me hostage and I explain to them that I was in the process of buying a house. They dont care and they only want to do what they want to do. Its completely sad that this company is just holding me hostage like this. The document that I received from the original owner of the debt show that the application is not even 100 % complete. I have failed 2 police reports so fair and is willing to go farther to fail charges against NCB management.
Product: Debt collection

Union Adjustment was informed in 2013 that they where reporting a collection account on my credit report and asked to provide a validation of debt. Till this date they have failed to do so. They have continue to report the collection on my credit report with out merit and attempted to collect the debt and contacted 3rd parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to a rental company managed by XXXX  XXXX   XX/XX/XXXX. I was notified that I was denied and I can receive a tenet screening report from XXXX and have them submit a Consumer dispute form the Experian Credit Reporting Bureau. I have received the tenement screen report showing unknown and unauthorized Bank accounts, Loans, Credit cards, Rental property deficiencies with past due balances, along with Civil cases reporting of unknown evictions and possessions. From XXXX to XXXX I was Mentally, Physical, and Emotional abused by an Ex-Partner who had full access to all my personal information SSN, Date of birth, copies of my ID, ect. At the time He would take care most of our financial bills and other obligations. After XXXX I had to remove my self from the relationship, and while doing so I was being victimized and had to call authorities where He was arrested and charged with XXXX and XXXX XXXX. Since the my physical address has been my current address. I am pursuing to file charges against Him currently for these unauthorized accounts and tarnishing my credit and name. Experian, XXXX, XXXX  has all been updated with this information. XXXX  has the most correct updated information that I, and I only authorized. Experian unfortunately when being contacted isnt all that friendly has not updated anything I have disputed. Im XXXX and Ive been a month fighting homelessness awaiting Experian to remove the fraudulent accounts from record. I called to see if I could receive a reasonable accommodation to have the information redacted, they denied. I really need these fraudulent items on my Credit report removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Although I have sent Experian proof of full payment for a previous XXXX  store account, bank statement and letters with confirmation. Confirmation # for this transaction is XXXX, Experian refuses to properly update my consumers credit report. Instead they are reporting inaccurate information/balance amount. Today the representative at Experian, XXXX stated that there was " no dispute found ''. Then seconds later gave a dispute reference number of XXXX. Then, initially refused to provide method of verification. I have sent certified letters with return receipt. When calling Experian I was then placed on hold and transferred to an incorrect department and transferred again. Then placed on another extensive hold. Experian has refused to acknowledge and correctly report this item as paid in full. Experian 's inaccurate reporting is not only a violation but is damaging my credit that I have worked so diligent on. Please help
Product: Credit card

I have a Home Depot credit card that advertises no interest on large purchases for 6 or 12 months depending on the price as long as I pay the minimum.

Each month, I pay not only the minimum but also any small purchases to avoid any interest. They used to have an option that allows for this when making a payment, but now that option is gone and its up to customers to calculate the amount they need to pay to avoid interest. I did this and added additional money as buffer. I previously tried to get Home Depot to provide this number and it took several hours of working with their customer service to get them to tell me how much I needed to spend to avoid interest.

Despite investing the time to do this, I was recently charged interest and Home Depot refuses to waive it. Ive tried contacting Home Depot numerous times and they have only given generic AI generated responses.

They make it extremely hard to get to a human via message or phone. The last time I called it took 20 minutes to get an human - not because I was on hold but because I had to try every branch on their phone tree to get to someone that wasnt a robot. And their chat support has been broken for months.

Home Depot is lying to customers about its payment terms and now refusing to admit a mistake. Their customer service is not apparently overseen by humans. They should be fined for this extremely consumer unfriendly behavior.
Product: Credit card or prepaid card

My name is XXXX and I discovered that my bank of America EDD Isa card was depleted of XXXX, a person not me went on line and did a funds transfer of XXXX, then another XXXX, unauthorized charges for XXXX, the bank apparently credited me the first time within 24 hours then the person did it again, I can't tell you what I have been through, there is no one to help me, I don't use on line never have never will, I have be r n fighting for my money sine the end of XX/XX/2022, everyone I call I get different answers and different things I should do, I have reported this to the police and the Federal Trade Commission and the XXXX XXXX XXXX and I've contacted XXXX XXXX XXXX I'm trying to get my money back it's ruined my life and my job I can't do anything it's made me broke my car 's broken and it's ruined my life Bank of America does not help they tell me different stories every time I call it clearly stated that the person went in and changed my email and then had the money sent to some bank account I guess and I need my money back it's. It's crazy that they would first approve the money and then it gets taken again and now they want to prove it again not even my email or anyting I am so frustrated I need help desperately at first I was told it would take 30 days when they put the money back in within 24 hours they did not tell me this I've been issued 7 cards in the last 4 months the person did it again and I don't know what to do anymore I'll call every day to see if I can get the money and somebody tells me something different
Product: Checking or savings account

Chime : A checking account was fraudulently opened in my name with Chime banking. I reported this fraudulent activity on XX/XX/2020 and spoke to a Chime representative and was told I would be contacted within 2 hours by phone call. I was never called. I am again asking for this account to be closed and investigated for identity theft. The Chime support team has informed me that they can not close this account unless I send them body shots of myself holding my government issued identification within 3 days. Not only is this inappropriate, harassment, and incredibly disturbing, it fails to provide me with the consumer protection I am legally entitled to. I refuse to be further victimized by your institution and am asking one last time for this account to be permanently closed and my information removed from your agency. I will gladly provide a notarized government form to prove my identity which, as a financial institution, is all you should need to close the account. Chime clearly allowed a criminal to open an account in my name without the very ludicrous identity verification protocols that they are now demanding from me.
Product: Credit reporting or other personal consumer reports

I sent address affidavit on XX/XX/2023 to TransUnion to correct my address certified mail and received the return receipt. As of today they have not made any corrections- Please have them to follow the LAW! Who's addresses are these someone must have my personal information PLEASE UPDATE with valid information!!!
Product: Checking or savings account

On XX/XX/XXXX, my Simple accounts were automatically converted to a BBVA checking account and savings account due to the acquisition. On XX/XX/XXXX, I decided to transfer the remaining funds of the checking account ( {$5000.00} ) via ACH and close the account. I also closed the savings account and no transfer was needed because it had a balance of {$0.00}. I received an email on XX/XX/XXXX from BBVAs fraud department asking for verification asking me to call within 3 days. I called on XX/XX/XXXX to verify the transfer so the funds could be released. 

When I had not seen anything appear in my XXXX XXXX account which is where I sent the BBVA transfer to, I called XXXX XXXX and verified the routing information. They did not have the funds and directed me back to BBVA. After speaking with BBVA on XX/XX/XXXX for over an hour, they tried to say it was XXXX XXXX responsibility and that the transfer was successful. I asked for verification of this and they said they couldnt provide it to me. In a letter dated XX/XX/XXXX sent to my old mailing address, BBVA stated they were unable to locate the account and was provided a return settlement account number : XXXX. This means that when I called about my transfer and they said it was successful they were either misinformed or lying. I received a ticket number from BBVA when I called again to let them know I received the letter stating the transfer had not completed and we had a conference call with XXXX XXXX to again validate that BBVA is responsible for this issue. I received a ticket number : XXXX and was told I would be getting an update in a few days. The last I heard from BBVA was on XX/XX/XXXX and it has now been a full week with no reimbursement of funds or a written letter stating the status of this case as I had requested. For over a month, BBVA has lost {$5000.00} and has provided no resolution.
Product: Checking or savings account

Payment was Sent on XX/XX/XXXX around XXXX PM. The merchandise agreed upon by both parties was not shipped. The seller relisted the item for sale on XX/XX/XXXX at XXXX PM. The seller insists they have shipped the merchandise but refuses to provide a tracking number. Contact with the seller remained until XX/XX/XXXX when the seller blocked the buyer from further contact. A refund was requested from merchant address " XXXX, CA '' on XX/XX/XXXX. Buyer has received no response from the merchant as of XX/XX/XXXX. Started dispute with XXXX XXXX on XX/XX/XXXX for {$400.00} with the reason of goods/services not received. XXXX XXXX requested no further information or supporting documentation from the claim filer. As of XX/XX/XXXX the dispute was updated and officially denied. On XX/XX/XXXX the dispute filer called the XXXX XXXX support line and inquired about appealing the ruling of said claim. XXXXupport said all rulings were final and the buyer would have to contact the merchant directly. A refund from the merchant address " XXXX, CA '' was already requested on XX/XX/XXXX. The merchant declined a refund as of XX/XX/XXXX. CFPB complaint filed on XX/XX/XXXX
Product: Credit card or prepaid card

This a XXXX  complaint on a previously filed complaint number XXXX. 
When I initially filed a complaint, I received a call from the Barclays President office the same day. The men I spoke with assured me that there's no need to move forward with my complaint, as he will reopen the case and will make sure that my case is re-evaluated and the money owed to me will be credited back to my account. 

I trusted this individual and was waiting on my credit, which never came. I called the Barclays Bank again last week to follow up on my credit and was advised by an individual to wait about a week and not to refile the complaint, as she will submit my concern to their back office to process the credit. Again, I trusted the bank representative and when I called today to follow up on my credit, I was told that my case is closed and no credit will be issued. The Bank is operating on false pretense and acting not in good faith. I seek your assistance in resolving this ongoing issue. 

P.S On the XXXX of XXXX they also sent me an email saying that my response is in the system called XXXX XXXX, I tried accessing the system and to no avail. It is crypted and no matter what I did, I wasn't able to access it. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi to whomever in concern, This is a goodwill request to remove the late payments from my credit reports and adjust them to " Paid as Agreed ''. I was late with my student loans through XXXX XXXX for the months of XX/XX/XXXX and XX/XX/XXXX of 2015. In result, I have 90 day and 120 day late payments on my credit reports. I did receive proper notification of the late payments, but at this time I was completely unaware of the consequences. But today, I am completely different. I have not had a late payment not only students loans, but I have n't on ANYTHING in over 29 months. I have the receipts to show that I have not missed a student loan payment in over 2 years. And I never will again. If possible, please help remove these late payments from my credit reports from the three major credit bureaus, as they are stifling my scores. I have turned a new leaf, and hope to use my credit in the very near future to start a business on top of other things that require a high credit score. I can not achieve this with these derogatory marks holding me back. These were the LAST late payments I will EVER have on my credit reports. Please let me know what I can do, or if additional information is needed.
Product: Credit card or prepaid card

Discover asked me for my information to do some verification. After giving me another hard credit pull, they just closed my accounts without reason. It hurts my credit score and history badly. I had only <5 % utilization with them. Always paid in full and on time. Called them and asked if I could provide additional information such as pay stubs, the agent told me they couldn't accept anything, and that's their decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped XXXX points for no reason. When I try to find out why, Transunion tells me I need to answer security questions from 9 years ago. I don't remember them from that far back. They keep trying to tell me they can't help me without them and offer me no way to reset them? I have no delinquencies on my report and owe very little on one credit card. There is no way my score should have dropped by that much. If anything with 2 inquiries that came off today XX/XX/2021, it should have gone up! I want my XXXX points back!