23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I initiated a balance transfer with XXXXXX/XX/XXXX XXXX  in the amount of {$6000.00} to pay a US Bank account on XX/XX/XXXX. After entering all my info for the transfer everything seemed typical. On XXXX I saw on XXXXXXXX XXXX that a transfer had been initiated to US Bank and all still seemed fine. However when that transfer had not posted to my US Bank Credit Card by XX/XX/XXXX, I grew concerned so I called US Bank and was told there was no transfer in process and they recommended I call XXXX. I then immediately called XXXX XXXX  and explained that a transfer for {$6000.00} was posted to my XXXX account but the US Bank has no record of it. That's when I learned the wrong account number had been paid. The account was still with US Bank or so I was told but was a completely different account number from my own. During that conversation the representative said it looked like a possible banking error and the situation had been elevated. After not hearing anything back I called XXXXXXXX XXXX  again on XX/XX/XXXX to get an update. They said then that I would need to wait XXXX business days while the process was handled. I figured they would fix the problem and the transaction would get reversed during that time, it did not. I then called again on XX/XX/XXXX to get updated on the process as the XXXX business days had lapsed. I was then told the situation had been elevated to a team with no internal line and that the process would take up to XXXX  days from my initial call on XX/XX/XXXX to be resolved. Those XXXX days lapsed on XX/XX/XXXX and I have still yet to have the situation corrected or be communicated with by XXXXXXXX XXXX I have records I whom I spoke with on my XXXX call on XX/XX/XXXX but not the previous calls. 

This is a copy of my complaint made against XXXX XXXX there response was to essentially blame US Bank. I will attach supporting documentation.
Product: Prepaid card

My chime credit builder card was used without my permission for purchases a auto premium purchase on XXXX XXXX for XXXX XXXX purchase on XXXX XXXX for XXXX atm withdrawal on XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called a told them my credid card was used without my knowledge and i filled complaint on XXXX XXXX when i realized my card was gone i checked my acc and found it was money taking on same day i filed the dispute the company sent me email saying because of regulation E i dont get provisional credit and then three hours later I get email saying they finished there investigation and found it was not unauthorized purchases but I told them that the card can be used without a pin if you use it as credit how can they be done with the investigation the same day i file it i dont believed they did a far investigation on my case
Product: Mortgage

My husband list his job due to covid. He was laid off because his XXXX  had to close down. I called US bank because I saw that mortgages through XXXX XXXX or XXXX XXXX were allowing banks to let homeowners defer payments up to 12 months. I also saw where many banks were allowing you to add the missed payments to the end of the mortgage. 

I called US bank twice thinking the first person I got was wrong. I called on XX/XX/XXXX and XX/XX/XXXX inquiring about covid assistance. The only option they gave me was to put my loan in a three month forbearance but said the entire amount would be due once the three months was up. I said that doesnt help at all because my husband is now jobless. We arent going to magically have thousands of dollars in three months. I said Ive heard other banks are allowing you to tack the extra payments on to the back end of the loan. They said they werent doing that. I said this is not assisting us at all. They said that was my only option for assistance. As I said, I spoke to two different agents on two different days and they both said the same thing. I dont think its right that the banks get help during this time but do not extend the same help to their customers. Weve never been late or missed a single mortgage payment.
Product: Credit reporting or other personal consumer reports

From the previous complaint, Equifax 's response said that the problem is fixed, and I should be able to sign on to my.equifax.com now. I have told Equifax over and over and over again that signing into my.equifax.com IS NOT THE PROBLEM. I have ALWAYS been able to sign in. THE PROBLEM IS AFTER I SIGN IN, NO CREDIT REPORT IS DISPLAYED! Please see the attachment which consists of screen-prints that show what is displayed on my.equifax.com AFTER I SIGN IN. Thank You, XXXX XXXX
Product: Checking or savings account

Capital One is having technical issues with their direct deposit. third party issue. all they have done is send an email with no explanation and sorry excuses for apologies on their social medias. its been 3 days.
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 convenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted a complaint to the CBPB pertaining to an unauthorized hard inquiry that XXXX furnished to my credit profile. see CFPB report # XXXX. In response, XXXX admitted to the issue and agreed to remove the inquiry. On XX/XX/year> I called TransUnion to inquire as to why is the inquiry still being posted to my credit profile after the reporting company gave them instructions to have it removed. TransUnion stated that they would have the issue fixed within XXXX business days. As of XX/XX/year> the inquiry is still being posted to my credit profile which is a violation per FCRA. This situation has had an impact on my credit worthiness and has caused me and my family stress and anxiety. I am demanding that the Inquiry be removed from all credit bureaus.
Product: Debt collection

After reviewing my consumer report there is an account being reported as debt owed. This account is showing deliquent on my account and its affecting my credit worthiness. I contacted the company that the debt collectors are saying there are trying to collect for and recieved proof from the company that the account can not be verified because the have no information on me. I belevive that this account was apart of be identity being stolen and used which is why I have a fraud alert on my account from a previous address. I woill like for this account to removed immediately from my consumer file because it is not accurate and not validated to be mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and am disputing some items that need to be deleted. I have attached the disputed items on the attached copy. The reasons why these items should be deleted are indicated below : A. XXXX XXXX ..XXXXXXXXB. XXXX / XXXX XXXX XXXX C. XXXX XXXX /XXXX XXXX XXXX XXXX D. XXXX XXXX XXXX 1. Debt ( s ) has been satisfied 2. Statue of limitations 2012 one ( A ), ( C ) & ( D ) Pursuant to FCRA 611 ( a ) 15 USC 1681i ( a )
Product: Credit card

On XX/XX/2023 I contacted my bank to report a transaction that I believed it was fraudulent from a scammer. I asked for the transaction to be voided or cancelled ( reversed ) and the bank confirmed they would. My card was cancelled, and they sent me a new one. However, the charged remained on my account for the following days. I followed up with the bank and requested status for several times, their response was always that I would see it on my following billing cycle. I submitted a dispute because the bank deemed the charge a legitimate transaction from the beginning. I submitted all the evidence I could and the response from my bank suggested that the other party had strong evidence since the charge was for a service that was provided. I came to the conclusion that the service that was provided was to pull money from my credit card and give it to the scammer. A phone call from a supervisor was requested and when finally received the call, they explained that there is nothing they can do. During the dispute process they allowed the merchant ( third party ) 45 days to provide evidence. At this point I didn't know who the merchant was since it was all part of the Scam. When I finally was able to contact the merchant ( third party ) they affirmed that they can not do anything since it was a transaction that happened over 30 days ago.
Product: Checking or savings account

My direct deposit for XX/XX/year> has not been credited. I have no access to my paycheck. I called the morning of XX/XX/year> and after a one hour and 33 minute hold I finally reached a live person. She immediately escalated me to a manager ( Which I didn't ask for ) for another 30 minute hold. This is abusive. The manager said nothing could be done unless fees were incurred as a material harm that could be re-imbursed. I asked if I could take a cash advance from my credit card and have the fee waived to make me whole. She stated that she doesn't work in credit card but will place a note on my account to re-imburse a cash advance fee. I waited several hours in the hopes my deposit would post, which it didn't, so I called back around Noon to credit card. They stated there are no notes on my account about fee re-imbursement. I was lied to apparently. She offered to transfer me back to deposit. I declined do to the two hour hold time, unless she could warm transfer me. She claimed she would warm transfer me, but lied and sent me to queue to wait on hold for several more hours. I would like Capital One to be held accountable for their abuse, lies, and incompetence. I would like a customer satisfaction credit {$120.00} do to the flagrant waste of my time.
Product: Mortgage

Mortgage company will not remove mortgage insurance, continues to slam my phone with daily collections calls, does not allow payments to be made online if you get behind, and charges a {$10.00} fee to pay by phone.
Product: Mortgage

XX/XX/XXXX finished lease with deposit for camper. Payment for camper began XX/XX/XXXX. While remodeling camper. Security alarm system random activity. Then XXXX XXXX neighbor writing the camper number off the camper side. Harassing comments from Aqua Financial employees about my purchase. And XXXX XXXX XXXX XXXX to request technician not understanding my question for assistance.The Bank stole the camper sold the camper after I told them bring me back my camper. Now they refuse to clarify my options for continue using my loan, without merchandise for investment. Their employees insist I have a problem, and XXXX XXXX name and face continues to pop up as though he's in charge of my investment with XXXX. Also This same scam set with XXXX XXXX and XXXX XXXX my mortgage payment was altered XX/XX/XXXX and the paperwork for new loan XXXX holders with held. Same issues with XXXX XXXX the email only I can get paperwork. Thru the mailing address no paperwork.
Product: Mortgage

on XX/XX/XXXX we were informed that XXXX  XXXX  sold our mortgage to specialized lending services llc, did not like the complaints on this company so when we called them XX/XX/XXXX to make our payment we requested a pay off quote as we had a loan lined up else where and signed the paper work with bank on XXXX sent the pay off check in the amount of XXXX. on the XXXX of XXXX after the check had been sent and cut they sent us another pay off quote including our property tax which was being and was paid by our new loan provider, so when we would not give them XXXX more when our property tax was only XXXX they sent the check back to us on XX/XX/XXXX and wanted even more money to pay off our mortgage and since they could not use our property tax to get more money the new pay off quote has our house insurance premium to the tune of XXXX our new mortgage company has even tried telling this place what they are doing is not correct but that does not matter with this company as far as i am concerned these people are nothing more than thieves and i am sick of beating my head against the wall with these people. we have made numerous phone calls and get no where, don't believe anyone there is qualified to do there jobs and different answers every time.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX  Date of inquiry : XX/XX/year> XXXX  Account Number : XXXX XXXX  : XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX  Account Number : XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/year> XXXX Date of inquiry : XX/XX/year> XXXX  Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Credit Bureau reported from a debt buyer ( XXXX XXXX ) that I opened an account in XXXX of XXXX. I did not. The remarks from XXXX  XXXX said " Affected by Natural Disaster '' I never said any of the sort to this company. This item was deleted from the TransUnion report XX/XX/XXXX which I have proof of. Furthermore, the stay at home orders did not happen until XX/XX/XXXX not XXXX.
Product: Debt collection

How is this possible XXXX? This was removed due to violation on reporting and the opened date is incorrect! Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Debt collection

I was sent a correspondence from ECMC, attempting to a collect an alleged debt, also threatening to defame my name and character by falsely reporting to the credit bureaus as defaulted loans in collections. On XX/XX/year>, I sent via certified mail a notarized affidavit ( which will be attached to this complaint ) to ECMC addressing this matter. None of what I presented and requested in the affidavit was responded to or addressed by an authorized representative of ECMC. Also, I previously filed CFPB complaints on XX/XX/year> ( XXXX ) and XX/XX/year> ( XXXX ) addressing this matter. Since there wasn't a response/rebuttal by affidavit from an authorized representative verifying and validating the alleged debt, the facts were established that there is no debt and this matter was closed.
Product: Checking or savings account

On XX/XX/22 funds were fraudulently removed from an atm on my Capital One checking account. The bank did an investigation and refused to reimburse my funds
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of XXXX XXXX and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

My Nelnet student loan payments are not processing. I received email correspondence stating that the account associated with my automatic withdrawal had insufficient funds. That account at no time had insufficient funds. I've also submitted a payment using the " make a payment '' option and it is still processing after several days. 

The Nelnet website discourages email. I've called and emailed. Call wait times are always over an hour. 

My loan number is XXXX.
Product: Checking or savings account

In XX/XX/year>, someone used my social security number and business address but with wrong email address, wrong/fake phone number, wrong signature, wrong drivers license number. They got money from " First Tech Federal Credit Union ''. Then later I got collection messages. Now my credit score is being affected. I was sent to collections at " XXXX XXXX XXXX. '' I have filed a complaint with the company.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

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

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

this inquiry on my credit report was not authorized by me and i want this to be deleted
Product: Debt collection

In midXXXX XXXX, I received a credit alert stating that a collection had been submitted to my credit report, which caused my credit score to drop by XXXX points. I immediately contacted the company because I feared that someone may have stolen my identity. However, the very unscrupulous service rep who answered the phone stated that I owed Illinois State {$1000.00} for some sort of overpayment. I haven't lived in Illinois for over 25 years, and I didn't owe any entity when I left and I definitely do not owe one decades later. I disputed the collection and I also filed a complaint against Harvard Collection Services on XX/XX/XXXX. On XX/XX/XXXX, the company responded, noted the dispute in their records, and had the item removed from my credit report. Allegedly, the account was on hold while they attempted to validate this fraudulent debt, but ultimately the case was closed as resolved. I never heard from them again until XX/XX/XXXX, this company filed the same collection on my credit report causing my credit score to drop XXXX points again! I am outraged that a company can operate in this manner, so I decided to file a complaint with the CFPB at this point, before contacting an attorney. This feels extremely predatory and this company should not be allowed to do this to consumers -- especially in the current economic climate that we are currently in. It is not right! I also intend to file an additional complaint with the BBB. 
Consumers beware of the unscrupulous business practices of the following company : Harvard Collection Services XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX
Product: Credit card or prepaid card

his complain is about Citi 's Online Banking System. So Citi 's online system is a disgrace for such bank. I opened a checking account some time ago. Before that by few years, I opened a few credit cards with Citi. Two of them as still active as of today ( Citi Costco and Citi Diamond Preferred ). Few days ago I requested that the checking account be closed. Now after it has been closed I am trying to UNLINK the checking account from my user id. I tried doing so online. It told me that this should take 2 - 3 business days. So I waited. 

After some time, I discovered that my Citi Costco and Citi Diamond Preferred Cards have been both UNLINKED from my user id. WHAT??? WHY??? So I tried to link them again, it didn't work at the beginning, but after few trials it was successful. Today, XX/XX/XXXX, I checking my online banking, I don't see my credit card accounts anymore. AGAIN!!! They have been UNLINKED by some unknown force. So I tried, AGAIN, to link them. I was successful in linking the Citi Costco card, but unsuccessful in linking the Citi Diamond Preferred Card. What's going on??? Should one leave his own responsibilities and life and focus on why the Online Banking of Citi is just messed up and doing stuff on its own. As usual, customer service is useless and they gave me some explanation that the Checking Account is a default account so after it has been closed and in order to UNLINK it, then we need to re-create a new user id and add both credit cards to it. Why should I even bother about this? Why this system is just a failure for such big bank? Need a solution as soon as possible.