23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I do n't understand how my bank calculates low-balances. In XX/XX/XXXX, Commerce Bank in XXXX, Kansas took a third of my paycheck based upon " low balance. '' They do this every couple of months or so. This last time they charged me XXXX separate fees of {$36.00} each for a " low-balance ''. My balance never went below XXXX, and when I went back through the account to try to understand their math. I noticed that the " payable balance '' on any given date sometimes had holds based upon transactions that actually occurred one or more days AFTER the transaction that generated the running balance. I also noticed that some transactions that were shown as " holds '' never got paid. For example, there was a transaction for {$8.00} that appeared on a list of holds that was used by the bank to lower my payable balance and levy overdraft fees, but that amount never ended up coming out of my account. It just disappeared.When I tried to go back and find these items later, they had disappeared or the dates made sense. But I KNEW I had not imagined it. This month I have been keeping an eye out and I today I see an example. This XXXX is for XXXX. I got paid on XX/XX/XXXX. They always do this just before I 'm about to get paid. I 've attached XXXX files. XXXX shows a Running Balance for XXXX and XXXX shows the Payable Balance for XX/XX/2017 that you can get to by clicking on that Running Balance. The running balance for XX/XX/2017 shows XXXX holds. XXXX of holds is for {$6.00} and shows a transaction date of XX/XX/2017 but the actual transaction did not occur until the next day, XX/XX/XXXX. On the holds page the transaction date is shown as XX/XX/XXXX, but did not actually occur until XX/XX/XXXX. Can someone explain why it is dated XX/XX/XXXX on the payable balance page? What does the transaction date refer to in this context? Clearly it does not mean the date that the held transaction took place. Can someone explain to me what is going on here? How is it legal for the bank to jump forward and backward in time this way? And what about transactions that lower my payable balance such that I have to pay a fee, but then the transactions never actually get paid? Why do some transactions just disappear? I just want to understand the math here. Remember -- they are doing this to me without my bank balance ever going below XXXX. Without a better understanding I ca n't see how I can use this banks debit card, and without the debit card, why use this bank at all?
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 # XXXX Account Name : XXXX XXXX XXXX & Account # XXXX XXXX Account Name : XXXX XXXX XXXX & Account # XXXX Account Name : XXXX XXXX XXXX & Account # XXXX Account Name : XXXX XXXX XXXX & Account XXXX XXXX Account Name : XXXX & Account # XXXX Account Name : XXXX XXXX  XXXX & Account # XXXX Account Name : XXXX XXXX XXXX & Account # XXXX Account Name : XXXX XXXX XXXX & Account # XXXX Account Name : XXXX XXXX XXXX XXXX  & Account # XXXX 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 consumer reporting agency can not furnish an 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 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 causse to believe that the information is in accurate.
Product: Credit reporting or other personal consumer reports

Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next five business days from XXXX, Equifax and XXXX XXXX collectively. I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached address.
Product: Credit card or prepaid card

Regarding my XXXX XXXX XXXX XXXX XXXX XXXX Chase XXXX Credit Card benefits include 2 free Club Pass annually as a result of {$95.00} annual fee. The 2 Passes from XXXX expired in XX/XX/XXXX. 

I've been in contacts with Chase Customer Service since last week in request of having the expired passed extended. My reason is making whole lot of sense. Under this global Covid-19 or Pandemic, I and my family don't feel safe to travel in the past 2 years, thus didn't get a chance to use the only benefit of free club pass by paying {$95.00}. 

Unfortunately, my simple and reasonable request was brutally denied by the Customer Service Specialists, XXXX XXXX ( from Missouri XXXX ) and XXXX XXXX XXXX from XXXX XXXX, TX ) yesterday over the phone. Both of them even failed to offer me any other forms of compensation and acted by unprofessionally and coldly. Instead, they both were trying to sell me a different type of credit card which I have no interest at all. XXXX even denied my request of having the contact details of filing complaints to Chase Headquarters by email or USPS mail as I told her it's inappropriate to getting this info over the phone. 

It's very unfortunate to have this kind of poor and cold services from the managerial lelvel at Chase. I'm not going to risk my health and safety to take the advantage of the Club Pass, especially the Pandemic is still dragging on as we speak. 

I demand to be refunded my XXXX card annual fee if the Passes can not be extended. 

Here 's my info : XXXX XXXX Last XXXX digits of my Card # XXXX Email : XXXX Phone : XXXX Passes used or expired within the past 24 months Pass # : XXXX Expired : XX/XX/XXXX Pass # : XXXX Expired : XX/XX/XXXX Please feel free to contact me if you have any questions. 

Thank you
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App (

Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 I have sent many prior requests to the credit bureaus to reinvestigate several inquiries that were not authorized by me.Are n't they required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by the credit bureaus- XXXX, Experian and XXXX. 

I will once again list the inquiries in need of investigation AND PROOF THAT THEY BELONG TO ME : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


SHOW ME PROOF THAT THESEINQUIRYS WAS AUTHORIZED BY ME OR REMOVE XXXX MY CONSUMER REPORTS. I DID NOT AUTHORIZE THEM. - SECTION 609 STATES THAT YOU NEED TO PROVIDE THE APPLICATION THT WAS FILLED OUT FOR THE AUTHORIZATION APPROVAL. I DID NOT AUTHORIZETHESE INQUIRIES.DELETE THEMFROM MY CREDIT REPORT.

I have tried to contact every one of the companies listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they don't even know who I am? 

Please do as you are governed under the Fair Credit Reporting Act and do a complete investigation on the listed inquiries. Provide me with the results of your investigation within 30 days of receipt of this COMPLAINT. 


Cordially, XXXX XXXX
Product: Mortgage

Mr. Cooper started servicing loan XX/XX/2022. They have added {$260.00} as a charge for escrow analysis ( done by them of course ) in case of deficiency. they have doubled the amount of escrow without our consent or prior notification.
Product: Debt collection

This company has a collection that is not mine that is reporting on my credit report. However, it's also been discovered that this company does not even have a collection agency license in my state of South Carolina. They only have a license to collect in the states listed on XXXX  This is a violation of the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court. 

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

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 1USC 1681. 
XXXX XXXX ; XXXX XXXX XXXX XXXX , has violated my rights.

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

15 U.S.C 1681 section 602 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( 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 1681 s-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 information is inaccurate.
Product: Mortgage

My Flagstar mortgage payment has been scheduled on autopay directly from my bank for 4 years with a perfect payment record. Recently, the mortgage company updated their website and deleted my autopay without informing me for 40 days. Once I was informed, I immediately made the payment in full. I have contacted them both in writing and by phone. They will not admit responsibly. They then submitted a 30 day delinquency to the credit bureaus.

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. Per 15 USC 1681s-2A1 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. 

Account name : XXXX XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX
Product: Debt collection

I have been called by Persolve Legal XXXX years ago about a car my mother got in my name and I told them then it wasnt me. Now currently I see that I got a letter saying I am Being sued
Product: Checking or savings account

Wells fargo p romoted a {$250.00} cash bonus for opening a new account. I heard of scams about new accounts with them before, but this blatant  one  was alarming. After repeated calls as to why my bonus hasnt posted, I was told it was because they are waiting for a  XXXX  from me. They sent it to me in beginning of  XXXX . I sent it right back. I was also promised over the phone alternate information : All i needed to do is make  10  purchase with check card by  XXXX   XXXX  ( no mention of  XXXX  form needed at all! ). For good measure, I decided to mail them back the  XXXX  regardlless. It was not until the    XXXX   XXXX   XXXX   th at they confirmed they received the  XXXX . After writing to them about where the cash bonus is, I received a reply on the    XXXX   XXXX   XXXX   fr om "  XXXX  '' that they finally " received '' the  XXXX  form and the bonus should post in  3-5 bu siness days! I followed up on the    XXXX   XXXX   XXXX   a s to the whereabouts of the bonus, in which I was told that, sorry, I will not be getting it and I was lied to by their reps!! I am outraged. I feel I was lured into opening a new account and the {$250.00} requirements were purposely miscommunicated as part of their scheme. A bank as big as big  as Wells Fargo can  not mislead their customers repeatedly ( over messages and over the phone ) as part of their game to have people open accounts with them. I demand the {$250.00} bonus at once.
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. 

XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX 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: Checking or savings account

On XX/XX/2022, I woke up around XXXX with no cell reception. I had no idea what was going on. I received a text from XXXX about someone trying to change my sim card. I was unable to call or text anyone. I didnt know what was going on with my phone. At first, I thought maybe my aunt forgot to pay the phone bill. Then I received a notification since I was connected to the wifi that someone transferred all my money ( {$740.00} ) out of my Chime account and sent it to an unknown email address. They also sold/traded some of my stocks on XXXX and purchased a flight through my XXXX account XXXX The hacker had access to my apps and cellphone number ( text and phone calls ). I went to XXXX and XXXX in XXXX XXXX to try to figure out what happened to my phone. They didnt have any solid answers for me on what was wrong with my phone. XXXX kept trying to switch the sim card to see if it will work. Finally, later that night I called XXXX XXXX more time using my boyfriend phone and they locked my sim card and was able to fix my phone. 
The very next day I filed a police report. The police officer said they couldnt file a police report unless they had proof of this incident. I called XXXX to see if they had any information they can give the police officer so that he can proceed with the report. The XXXX expert confirmed that a man located in XXXX, XXXX called XXXX that day trying to switch out my SIM card. 
I have tried to contact Chime numerous times informing them of what has happened and they refuse to refund me the {$740.00} that was taken out of my account. I am extremely disappointed with the customer service and lack of assistance with this incident. I have another bank and money wasnt touched in that one, but somehow the hacker was able to get into my Chime with ease and wipe out the money I had in there. The hacker also requested {$500.00} from both my boyfriend and my aunt on that day. They know I dont ask anyone for money so they knew it wasnt me and tried to contact me.
Product: Credit reporting or other personal consumer reports

Currently, I am unable to pull my Equifax report. It is showing a technical error BLNK. I've called and have been informed in 5-10 business days it should be resolved, but the time has passed. My report is not allowing me to use other services or pull my XXXX report due to it being linked to Equifax.
Product: Credit reporting or other personal consumer reports

These collection accounts were posted back on my credit report even after these debts were sold to another collection agency under 15 USC 1692 I submitted disputes to Equifax, XXXX and XXXX. 30 days has passed since I disputed these accounts.
Product: Credit card

This account has a last payment date of 2010, when it was settled for less than the full balance. This account should be seasoned/aged off my XXXX, and XXXX credit bureau 's since this account is over the 6 years and 6 months since last activity. This reporting is in violation of the XXXX system, since the XXXX credit bureau have seasoned this tradeline off my XXXX credit report. I would appreciate your help in having this trade line removed from my XXXX and XXXX credit bureau Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2020 I purchased a new car through XXXX XXXX XXXX. 2 weeks later it was totaled by an oncoming driver. The other parties insurance, XXXX XXXX, paid for everything with GAP that we purchased covering the rest. I just found out that XXXX XXXX listed this as a charge off and it is creating issues with potential new creditors. I have asked repeatedly for them to correct it with no results. I then filed a complaint with Experian and I'm told there is nothing they can do and it still remains. I was told to just get in contact with CFPB. I need help getting this removed.
Product: Credit card

Good afternoon, I hope this email finds you well. I am writing regarding a recent issue I encountered with my Capital One XXXX  account. As of today ( XXXX ), I discovered that my account was terminated by Capital one XXXX. They sent me a template email explaining this : " Hello XXXX, We regret to inform you that your Capital One XXXX account has been terminated. We retain the right to terminate your account for any of the reasons described in our terms of service. Termination commonly occurs for one of the following reasons : A user attempted to obtain referral-based Shopping Rewards based on creation of duplicate accounts, fraud, or through other impermissible means outlined in our terms of service A user used Capital One XXXX  in a manner consistent with the reselling of goods or services A user attempted to redeem Shopping Rewards for which they were not eligible A user engaged in other impermissible activity outlined in our terms of service Additional information on our policies and practices can be found in our Terms of Service. 

We appreciate your understanding. '' Allow me to explain why I firmly believe this situation does not stem from any inappropriate or mistaken activity on my part. 

Capital one XXXX  sent me emails to encorage me purchase items from various websites and promised to provide a rebate reward after completion of the order. 

All my purchases have been made strictly for personal use and not for resale purposes. To date, I have purchased : An XXXX XXXX ; XXXX XXXX monthly plan ; An XXXX ( bought with XXXX  ) ; XXXX, XXXX, and XXXX XXXX makeup products ; XXXXXXXX XXXX XXXX and a XXXX  cast iron pot ( though Capital One XXXX failed to track for these items ). 

If required, I can provide photographic evidence demonstrating that I use these products regularly in my daily life.

also, this is the only account I own, and there are no duplicate or fraudulent accounts associated with my identity. My account is exclusively linked to my Capital One Venture credit card, further ensuring that duplication or fraud is not a possibility. 


If any of the aforementioned items are deemed ineligible for reward redemption under Capital one XXXX XXXX policies, I would expect those orders to be appropriately marked as such. However, a broad, unexplained restriction on all rewards is unwarranted and seems inconsistent with fair account management practices.

By the time my account was terminated, I still have {$780.00} in my account.

I attached a screenshot of the orders I made with them ( the screenshot was taken before my account was banned ).

Thank you for your attention to this matter.

Sincerely,
Product: Money transfer, virtual currency, or money service

I was sent a money order gifted and 2 days later the sender reversed it and took my money away. When I refused to deposit the 2nd check they sent I began to get harassed and threatened and I never deposited the 2nd check but they ended up taking my first one away when {$1000.00} was gifted to me and the other {$900.00} to be sent to their grandson for medical bills within proves recipients given leaving me over drafted with what I have them {$900.00}