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

On Tuesday, XX/XX/2020 my wife and I deposited a large personal check into our Package Money Market Savings Account at US Bank 's XXXX, Minnesota location. 

The teller put a large deposit exception hold on the deposit. While we did not need the money, we told the teller when she informed us of a hold due to the amount deposited, that her position was in error. 

We discussed Regulation CC governing the availability of funds deposited in checking accounts and the collection and return of checks and re-iterated that this was a savings account. 

We further explained that under 12 CFR 229.2 ( a ) ( 1 ) the term Account specifically excludes savings accounts. The tern does not include savings deposits or accounts described in 12 CFR 204.2 ( d ) ( 2 ) even though such accounts might permit third party transfers. 

We pulled up the deposit account disclosures on-line to try and figure out what kind of savings account we have and why it would be subject to Reg. CC holds but have been unable to figure out the why. The Funds Availability section of your disclosures indicates that, " the funds availability policy applies to deposits into both a checking account and a savings account. '' We do not understand why. 

The deposit contract clearly points out that " U.S. Bank reserves the right to require seven days notice before any withdrawal from a saving account, '' which is part of the definition of a savings account found in 12 CFR 204.2 ( d ) ( 1 ) and ( 2 ). 

Based on what we have read in the bank 's deposit account disclosures, it indicates that they have the right to delay availability of funds deposited into a checking or savings account made at a branch or ATM ; however, we are unable to locate anywhere in 12 CFR 229 where this is permitted for savings accounts, which also includes money market accounts. 

Both my wife and I are currently in the regulatory compliance business. And we have been in the banking business collectively for over 50 years. 

Again, we did not need the funds, so we were not harmed : however, when we attempted to file a complaint with the bank we were unsuccessful in locating anywhere online to complete a form. Because of this, we felt it was in our best interest as well as the banks to go through the CFPB. This appears to be a systemic issue due to the disclosures. 

Had the bank 's website been more user friendly and included an avenue for filing a complaint we would have gone directly to the bank. As it is, the website does not appear to have a portal for consumer complaints, which a reasonable consumer can navigate to ( possibly one click away - i.e. Contact us ).
Product: Credit card or prepaid card

Apple - Goldman Sachs does not accept United States Postal Service po box as a legitimate mailing address vs. a physical billing address.

Millions of Americans especially in rural areas rely on a USPS po box , to prevent mail theft, identify theft, etc that stems from rural mailboxes being isolated and unattended.

Yet the financial services companys expectation is that consumers who pay by mail have to mail their checks to The Apple Card payment address which is : Goldman Sachs Bank USA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I deal with XXXX, XXXX, XXXX, XXXX XXXX and other using a USPS po box , no questions asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX keeps reporting addresses that are not mine to the credit bureaus and i have informed them to stop and they have not
Product: Checking or savings account

I am Power of Attorney for a Navy Federal Credit Union member who has been denied access to a savings and checking account. Navy Federal has rejected their own POA form completed per their request stating it does not comply with the state of Maryland statues. A second form was completed as directed by Navy Federal POA department which has also been rejected. The POA suggest that the agent goes to court and file for guardianship which is unnecessary. The principle has decided on the POA agent, signed the POA form and had it notarized and witnessed. The principle has been locked out of the account and can make no transactions. 

Navy Federal offered a settlement to pay off a previous debt on another account, but once the debt was satisfied the account was not placed back in good standing with a positive balance, but reflects a negative balance greater than XXXX.
Product: Credit reporting or other personal consumer reports

I requested the removal of these inaccurate accounts as soon as possible because I have no idea why these inaccurate accounts are reporting on my credit report. I want you to kindly check the documents I've sent.
Product: Mortgage

Loan Care was servicing my mortgage for The XXXX XXXX who I have my mortgage with. Apparently, they severed their relationship and a notification was sent out that the address had changed to where I was to send my mortgage payment. I did not receive the correspondence and have continued to pay my mortgage electronically through my bank. This month XXXX XXXX 2015 ) I received a collection call from The XXXX XXXX for XXXX 's payment. I paid my mortgage payment on XXXX XXXX, 2015, and because of these XXXX companies terminating their relationship my check was cashed by Loan Care and they will not release my funds until I provide them proof of payment from my bank. How can an organization XXXX Loan Care XXXX cash a check that they knowingly shouldnt? Shouldnt they reject the payment? Now, I must take my time to fix these XXXX companies issues.
Product: Checking or savings account

I was robbed totally outta of my savings and checking account my XXXX INCOME TAXES PAYROLL CHECKS AND CHILD REBATE CHECKS NEVER RECEIVED BUT IS POSTED ON MY TRANSACTIONS AND SETTINGS IN MY APP AND ONLINE BANKING NOBODY WOULD NOT HELP ME I KEPT CLOSING MY ACCOUNTS THEY WERE STILL OPENED AND REOPENED BY THE SCAMMERS HELP ME AND MY XXXX XXXX I work XXXX HRS SHIFTS XXXX AT XXXX XXXX $ just this month again on the XXXX of XXXX {$790.00} {$500.00} {$500.00} never saw NOTHING IM HURTING AND MY MENTAL STATE AND KIDS MENTAL STATE IS DEMOLISHED PLEASE HELP US
Product: Payday loan, title loan, or personal loan

XX/XX/2021 a loan was funded to me. I needed the money to survive from getting XXXX. This was done online over phone. Net Credit 's disclosure is small print and very long and confusing. It shouldn't be appropriate due to the interest rate being 98 %! DAILY INTEREST In a state where that rate is illegal! I borrowed {$2000.00}. After 3 months of bi weekly payments automatically being drafted out of my account. I happen to see the balance was {$2400.00}. I was in shock. Not realizing making payments on time and the balance only increased! There was no way I could afford this. Especially after hurricane XXXX. Rent doubled along with gas and utilities and food. I had to move in with a friend. And my child had to go live with his father. All Net Credit will say that I electronically signed saying that I understood the disclosure. If this is how they do business? I am sure there are many other people going through this same thing. This takes loan sharks to a whole new meaning. They should not be in business. And someone needs to stop them.
Product: Mortgage

On Sunday, XX/XX/2021, my husband and I tested positive for XXXX, so on Tuesday XX/XX/2021, I contacted the mortgage company with a concern for our upcoming payment because we aren't getting paid for this time off work. I simply asked to defer a payment to the end of our loan and was told that was not an option at all, this was in a chat log. They instead suggested I contact my state, which is upsetting to me. I do not want to apply for government assistance for this matter, because we faithfully pay our bills. We don't need that kind of help just for the mortgage company to modify our loan for this hardship. 

On Wednesday XX/XX/2021, I had talked with someone from our county of residence and was told that we don't even qualify for help because our mortgage is current. So there is no help for our situation, which isn't fair either. 

On Thursday. XX/XX/2021 I again contacted the mortgage servicer, Rushmore Loan Management Services, and was told there is nothing they can do to help us AGAIN. I stayed on the phone complaining about our situation, as the man on the line ( forgot his name ) suggested he get a supervisor on the line because I wasn't satisfied with this. They just kept suggesting I cancel my autopayment and pay it when I can. I can not afford to make a double payment after we don't get paid either, so I turned down that option as it doesn't really help. 

The supervisor, very rude and talking over me at times, didn't want to help me or suggest any other help UNTIL I told him I was going to file a complaint with your agency and then suddenly, we could " APPLY '' with some packet for a forbearance. I asked what information will be needed and one of the things he mentions is our bank statements. Now, is when I really get upset... 

I can prove our hardship through proper documentation of positive XXXX  tests, letters from XXXX XXXX health department with orders to quarantine and not work, and also paycheck stubs to prove we aren't getting paid. 

I shouldn't have to let this company invade my privacy just to prove the temporary hardship. Also, then the supervisor suggested he was sending the packet anyway because " I have to now! '' No, you don't and I declined.
Product: Credit card

I decided to accept a " 0 % interest for 18 months '' promotional offer from a retailer for {$2700.00} worth of new carpet for my home. The financing was through a new credit card from Synchrony Bank. When the first bill came, I set up automatic online payments, but miscalculated the monthly payment necessary to pay off the full amount in 18 months ( {$98.00} vs. {$150.00} ). After 19 months I received a call from Synchrony that my payment was late, and that 's when I noticed the error. I paid the remaining principle immediately, but now have to pay {$1200.00} in deferred interest ( 29.99 % APR ). I realize this is my mistake for making monthly payments less than that required to satisfy the promotion terms. I did a little research and found that this happens to about XXXX in XXXX people who sign up for these deals. I feel the whole practice of offering a program designed to slam the 20 % of people that get tripped up is predatory and slimy. I also found out that Synchrony bank ( formerly GE Capital ) is XXXX of the largest banks offering credit on behalf of retailers selling big-ticket items like carpet and appliances. It 's a multi-billion dollar business for them. I called Synchrony and talked to XXXX different customer service agents, offering to pay the 30 % APR for the two months since the promotion period ended, but received no consideration. I was told that since I accepted the initial agreement, I should have known the consequences. I feel like a fool for even falling for such a risky proposition. I just hope others will learn from my mistake and avoid Synchrony bank offers for exorbitant " deferred '' interest rates which are effectively land mines hoping to catch consumers off guard.
Product: Checking or savings account

I am the victim of identity theft with Bank of America. A bank account with a debit card and a credit card were opened without my permission using a false address. I do not know who opened these accounts. I have been working since XXXX to get this issue resolved and Bank of America continues to send me harassing letters. 

Bank of America allowed my identity to be stolen and now to resolve the identity theft situation, they want me to send them copies of my Social Security Card and my driver 's license. The company that allowed someone to use fraudulently use my Social Security number wants both a copy of my Social Security Card and my driver 's license. 

I believe that this request is unreasonable given that my identity was stolen, I do not provide my Social Security Card or my driver 's license to anyone who isn't authorized to securely store this information. 

Sincerely, XXXX XXXX XXXX The XXXX XXXX XXXX, FL XXXX XXXX
Product: Vehicle loan or lease

XX/XX/year> car was dragged out of driveway ( front wheel ) left marks and hit the curb. Potential damage to car now. GM Financial claims no payment made since XXXX - my bank account shows all payments have been automatically taken out for the past year. To GM Financial.

Called GMF was told it was repossessed and they cant do anytime cause they close in one minute. And not open til Monday. Told me to submit proof car was paid and they will review and determine the fees I will have to pay for the repossession and to get my car out. Its current - not behind. Seems to be an accounting problem on their end. 

Repo driver left no info who he was Called XXXX Police Department to file a report. said it was a civil mater and that they do not show any repossession in my area for that car. Meaning repo company never notified police. I now have to call back and file a stollen car report. 

Currently I dont know where the car is that I have paid for. 

And its my mothers used to get to her appts and XXXX Which is now putting a burden on the family to figure out how to get her to those appts. 

Potential damage to car Damage to property Fees that GM should be paying.

None of this should have happened Filed a complaint as well with GM Financial service.

All documents were submitted to GM Financial
Product: Credit reporting or other personal consumer reports

Inaccurate information being reporting on my credit file causing me to be denied for credit. 
Reporting inaccurate addresses and phone numbers as well as collections and inquiries
Product: Credit card or prepaid card

On XXXX I received a email confirmation of having a credit with XXXX XXXX in the amount of {$330.00} of tickets I have bought on XXXX and I was told I have till XXXX to use About XXXX weeks ago from today 's date I called XXXX  to book and they told me I dont have any credit. I right away call BOA to file a dispute in regards to this matter I received a letter dated XXXX from BOA saying I have been denied. I called them and I asked why is that, they said you only have 60 days to file.Its usually 1 year but still I did not know AA lied to me so how could I have filed within the 60 days.Its not my problem and not my fault. 
The 60 day rule is a man made rule and exceptions can be made in certain circumstances like mine that I was lied to. 
BOA can easily refund me and take my side because I am right and have the hard evidence on hand.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit card

Hi, I paid my cc bill on Friday the XXXX and I check my account today and they erroneously and illegally applied a late fee of XXXX. When I called they said that payment had to be made by XXXX PST XXXX XXXX EST. When I asked what time did payment go through they said XXXXPST / XXXX EST. Thus, no late fee should have been applied at all. However, from what I remember I made that payment earlier on Friday and not at XXXX PST. 




Sincerely, 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 15 USC 1681. 

XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

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. 


From XXXX XXXX XXXX XXXX : Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX From TransUnion Intermediate Holdings , INC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these accounts have violated my rights. As a reminder to my rights : 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 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 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: Mortgage

We recently purchased another home From XXXX this past XX/XX/XXXX and it was financed by XXXX and it was sold to Wells Fargo before we even received our first payment due. We do n't have a problem with that what we have a problem with is that before it is is even late there collection department calls every month and harasses us that our payment is due. We always pay before the grace period, but lets say they do n't get it by the first when its due they start calling even though they advised our grace period is until the XX/XX/XXXX. We pay through our electronic payment system with our bank every month no later than the XX/XX/XXXX. we have a confirmation that they were paid on the XX/XX/XXXX but I still get a call today that they were not paid. I am still waiting for the Deed to get sent to us. We closed in XX/XX/XXXX. I do not trust them.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX Re : Dispute Follow-Up Regarding US DEPARTMENT OF EDUCATION Account with Transunion, Account # XXXX Dear Consumer Financial Protection Bureau , I hope this letter finds you well. I am writing to provide an update on the ongoing issue regarding the reporting of the US DEPARTMENT OF EDUCATION Account on my credit record by Transunion. I appreciate your continued attention to this matter and wish to share additional information following my latest correspondence with Transunion. 

Enclosed herewith is a copy of the most recent correspondence I received from Transunion, dated XX/XX/2023. Contrary to their representation, Transunion has not deleted the US DEPARTMENT OF EDUCATION Account from my credit record, and they continue to report inaccurate information despite my repeated requests for removal. 

Transunion 's acknowledgment of the dispute and subsequent claim of deletion are misleading and inaccurate. The US DEPARTMENT OF EDUCATION Account remains on my credit report, in direct violation of the law and my rights as a consumer. 

I want to reiterate that, as per the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681c-2, a consumer reporting agency is required to block the reporting of any information resulting from an alleged identity theft not later than 4 business days after the date of receipt. It has been well beyond this timeframe, and Transunion 's failure to take corrective action is unacceptable. 

I kindly request that the Consumer Financial Protection Bureau further investigate this matter and ensure Transunion 's compliance with the law. I am seeking immediate and accurate deletion of the US DEPARTMENT OF EDUCATION Account from my credit record. 

Thank you for your ongoing assistance in resolving this dispute. I appreciate your dedication to upholding fair and accurate credit reporting practices.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX