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

I stayed at XXXX XXXX in XXXX XXXX from XXXX XXXX. They held a {$75.00} deposit of which they said they returned on the XXXX. I never saw it refund. I wrote Chime and they said it never happened. So I wrote XXXX XXXX  again and got an email from their billing dept that not only said they refunded it but sent a screenshot of their system showing it refunded. I had to dispute it with chime. Not only did I upload the email correspondence with XXXX XXXX but also the screenshot from XXXX XXXX showing their system had already refunded it. On the day ( ten business days later ) they were supposed to credit my account they said they completed the investigation and denied my dispute. I have no idea how that's even possible. I wrote the palms again and they verified AGAIN it was reversed on the XXXX. Now Chime is saying I have to dispute AGAIN and wait another 10 business days for the credit. I've always liked chime and never had problems but this is not ok and I need that money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute with Experian and XXXX for identity fraud items, info unchanged, then got court orders, dismisslels, receipts, police reports and FTC reports and still unchanged, transunion had everything fixed in a week but Experian isnt even looking at my documents. I'll be getting a lawyer to get this matter resolved if they cant look at my info. One of the companies credit services even sent Experian a delete letter and they still didnt budge. 

Soc XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXX, I obtained a mortgage from XXXX Bank to retain ownership of a residence due to divorce. ( loan no. XXXX ) In XX/XX/XXXX I was unable to pay taxes and insurance for my home to to illness, the death of a partner, and financial problems related to an ongoing business. The bank entered into foreclosure action in XX/XX/XXXX, Through out the process I kept the ban informed of other property that I owned that was in litigation. The property finally sold and I requested the bank 's attorneys an amount to reinstate my mortgage under its reinstatement clause.I recieved a total amount for all costs, payments late charges attorney 's fees for a total of {$66.00}, XXXX. This amount was paid by cashiers check on XX/XX/XXXX Sometime in XX/XX/XXXX the mortgage was assigned to M & T bay who has used XXXX XXXX as a servicing agent. the principal balance due at that time was {$56000.00} At the timeof the assignment I was led to believe that the bank would modify my mortgage at the current interest rates. during the first foreclosure It was determined that the residence had substantial hidden leak damage.I used other monies to start reconstruction of the roof and upper story of the home. When I informed the servicing agent that I was in construction for repairs they backed off the mortgage modification and said they could not do anything in the matter or do any refinanciing. The Bank then raised my monthly payments to roughly {$1800.00} per month which I could not pay. They then created a scheme of charging me for late payments and interest on payments they claimed were due in XX/XX/XXXX and the last statement indicated that I owed over {$92000.00}. The bank filed a XXXX foreclosure in XX/XX/XXXX. This new foreclosure has halted the reconstuction on the property because I ca n't get any financing or refinancing to work the construction From a principal balance of {$56000.00} on XX/XX/XXXX I now owe over $ XXXX.in XXXX months. 
I bought the residence in XX/XX/XXXX it has a market analysis value of between {$950.00} to {$980000.00} It is roughly an acre of land with a natural beasch at the waterfron and the road side of the property faces a small park.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in violation of the fair credit. My underdtanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.
Product: Credit card or prepaid card

On XX/XX/XXXX I submitted a claim with XXXX XXXX XXXX, a partnership with my Bank of America Visa Credit Card. 

I filed a product warranty extension claim with their online site, XXXX ( XXXX ) regarding the defective XXXX XXXX I had purchased in XX/XX/XXXX. The watch was out of the manufacturers initial warranty, however my credit card offered warranty protection/extension. 

I submitted all required documentation and explained my situation to XXXX however they have unfairly denied my claim. The case manager believes that XXXX would not have covered this malfunction with my watch under their normal 1-year warranty. I also called them recently when I received the news my claim was being denied and they said specifically that the claim does not cover water damage. 

XXXX never stated the there was water damage or personal negligence on my part when using the device. 

In fact a major selling point for said device is its water-proofing abilities. It is used to swim, workout, under wet conditions, etc. 

So essentially the claims adjuster is stating they they wont reimburse me the {$370.00} I had to pay XXXX out of warranty, because XXXX believes that the product was water damaged. 

1- XXXX made no claims that the product was water damaged, only that it had malfunctioned and they could not duplicate the issue. 

2- Even if water was the leading culprit for why the watch was malfunctioning, it is still within the scope of XXXX XXXX 1-year warranty. 

Today, XX/XX/XXXX, I have submitted a formal appeal with their company, and emailed it to their main line, XXXX. I have proof that they opened the email as I use software to track whether or not it was opened. 

I am doubtful that they will even respond in a timely manner given the near two months it has taken to form a decision on the first appeal, and have since spent countless hours over the phone with their representatives to further discuss the matter. 

XXXX has unfairly denied my claim, and taken far too long to process the initial claim to begin with. They are discriminating my claim based on an assumption of the facts, and not the facts themselves. 

If a credit card is to offer these sorts of benefits, then they need to be held responsible when their use is requested by the consumer. 

It is is an unfair financial practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to credit report company for them to update account status as Paid and Closed. They confirmed it is still open, which is incorrect as auto loan account has been paid off and Closed. Equifax recommended to submit complaint to CFPB to get resolved.
Product: Vehicle loan or lease

I lost my job in XXXX due to the coronavirus and was not able to get unemployment I been filing and calling and appealing my claim but still no money I lost my house and staying with my parents I told this company that and they have a device on the car to stop it with no payment. Do they stop my car I told them that I finally found a temporary job its temp to hire and it starts this Monday XX/XX/XXXX I sent the email and ask please send a signal to my call so I can go sign my paperwork to start they told me Im behind on my note and that they would not be able to send the signal unless I pay XXXX dollars I cried on the phone begging and pleading eith them I told them I didnt have it that my family has helped me since XXXX I can give them XXXX dollars and with my fist check in XXXX I could pay XXXX every two weeks they told me no and the guy XXXX was very rude abs belittling and I ask to speak to the manager XXXX and he told me she was in a meeting and that the information came from her I cried I said please let me talk to her he told me she would call me after the meeting its now XXXX on Friday XX/XX/XXXX I guess shes still in the meeting this is the worst company to get a car from I will never do business with them again I told them to come get the car I have been through too much this year I lost my XXXX to the XXXX  and I lost my XXXX  to XXXX/ the XXXX  I lost my house my job and now my car
Product: Checking or savings account

On XX/XX/2021 someone broke into my car and stole my purse containing my wallet and other valuables. I contacted my banks & credit card companies to report the theft and also the Police. Bank of America refused to pay the unauthorized charge of my debit card of {$620.00} at XXXX as stated in the Police report. ( Attached )
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX, I attempted to transfer {$400.00} to my checking account using XXXX Send through Venmo. XXXX Send is described on the XXXX XXXX website as follows : " Eligible Card Members can use the XXXX XXXX XXXX to send money to any Venmo or PayPal user. First, youll need to enroll in Send & XXXX, which can be found in the Account tab of the XXXX XXXX. You can then add money from your XXXX XXXX XXXX to your XXXX Send Account and then send that money to Venmo or PayPal users of your choosing. Any balance loaded to your Send Account appears as a charge on your Credit Card and is subject to the APR of other purchases on your billing statement in other words, its not treated as a cash advance, and you wont have to pay cash advance fees. '' After attempting to use XXXX Send to send {$400.00} to my checking account through Venmo, Venmo showed the transaction as initiated on XXXX XXXX XXXX with an estimated processing date of XX/XX/. This confused me because I initiated the transaction on XX/XX/XXXX. As oXXXX XXXX XXXX XXXX I still have no access to the funds either in my Venmo account or in my checking account, but the transaction has been processed and charged to my XXXX XXXX card. 

I emailed Venmo several times asking if they could explain what the issue was and when I could expect the funds to be available. They ultimately told me I would have to contact XXXX XXXX, which I don't understand because the transaction is processed on my Venmo account, but for a date in the past ( XX/XX/XXXX ) and the funds are not available anywhere. Please refer to the attached screenshots. 

As of this writing, I have been charged {$400.00} by XXXX XXXX and Venmo has not given me access to the funds.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you very much.
Product: Credit card

Previous complaint XXXX XXXX XX/XX/XXXX I had a flight from XXXX and XXXX during XXXX XXXX. It was booked using my spouse 's credit card ( Wells Fargo CC ) during XX/XX/XXXX. It was booked on XXXX XXXXXXXX already took the entire money and charged for baggage. Due to XXXX XXXX, one of the leg of flight was changed to XXXX. Our baggage were checked-in for the entire journey but still XXXX charged us for the bags in XXXX. It was me and my kids flying. We were charged more than {$800.00} for this on XXXX XX/XX/XXXX in XXXX. Made several complaints to XXXX and XXXX for the refund. Once the originating airlines charge for the baggage - in between airlines never charge for it. Later I opened a dispute with Wells Fargo bank and uploaded all the documents - explanation and all the documents. Still Wells Fargo is doing back and forth emails and calls and haven't initiated the dispute with XXXX or XXXX XXXX. wells Fargo is just too big and unorganized and inefficient. Left hand doesn't know what right hand is doing. Very poor hiring standards. Today I talked to Wells Fargo supervisor XXXX employee id # XXXX about the same. Dispute IDs : XXXX and XXXX I see that Wells Fargo is able to resolve only one such transaction but not both of them. There are two transactions in dispute with XXXX, {$380.00} each. 
On XXXX XX/XX/XXXX- did a permanent credit but it should be two credits of {$380.00} each.

Wells Fargo please don't keep on calling. Everything is mentioned in this complaint - you need to read it and follow it - I can not keep on spoon feeding you. Overall Wells Fargo has some real low standards in terms of hiring - that even simple english stuff they don't get it and keep on buying time in unnecessary follow ups.
Product: Checking or savings account

My son works for a small business and has received paper checks XXXX. He signs check to me, I sign and deposit in my checking. I help him with his childcare and expenses. We deposited another paycheck for {$700.00} ( with business LLC + phone on check ) into my checking via ATM at local branch on XX/XX/year> as usual. Bank added XXXX to account, held XXXX - as usual - until next business day - XXXX. On XX/XX/XXXX I received an e-mail that they are " delaying the availability of XXXX '' " This delay has been effected because we believe the check may not be paid for the following reason ( s ) : WE HAVE CONFIDENTIAL INFORMATION THAT INDICATES THE CHECK MAY BE RETURNED AND MAY REQUIRE AN ADDITIONAL REVIEW. '' On the XXXXXXXX XXXX my son asked his boss if the check had any issues. His boss showed him on his phone that the check had cleared his account. 
My husband called the bank on Thursday when the funds still were not in the account and it was at risk of overdraw. The person and supervisor reference some paragraph in some document that 'they have the right to hold funds for 7 to 10 days '. The check having cleared YET THEY CONTINUE TO HOLD THESE FUNDS FROM US FOR ANOTHER 7-8 DAYS!!! These fund are due to become available to us on XX/XX/XXXX- which is OBSCENE and should be illegal. Fortunately we have means but if we didn't - this would've been catastrophic! I feel any family without our options who are subject to this!!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, there are still accounts were erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate and correct the unverifiable accounts below : XXXX FL XXXX XXXX XXXX Owed : {$5000.00} ; 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The date aren't correct at all false document, this was delete off my credit report really don't know why they put in back on my credit report.
Product: Debt collection

XXXX calls in a row all at XXXX on XX/XX/2024. No message left even though I have verified my number with them and asked for verification letter. Verification letter sent does not match last balance. Asked for proof of purchase for debt but none was provided. MCM or Midland Credit Management , Inc. Is in violation of the XXXX call regulation as I understand it and is possibly using a VOIP to attempt more calls which numbers can't be confirmed due to no voice mail being left to identify themselves as MCM. This has been considered a form of harassment in the past and if allowed to proceed with these tactics can get worse.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately
Product: Credit card or prepaid card

I am a XXXX XXXX, in XXXX and XXXX I informed Navy Federal Credit Union of financial hardships of having a XXXX while XXXX to XXXX. My finances were really messed up and I wanted to utilize the hardship insurance that was combined with the credit card fee. Navy Federal refused to provide the assistance and charged over the mandatory 6 % interest cap for uniformed service members in a combat zone. I had a credit card and auto loan through this worthless cooperation and they lied and said they can't prove i paid insurance. Here it is XXXX and Navy Federal has me on a denial list because of the wrongful interest they charged that got the account up to $ XXXX. I paid what i could on the account and Navy feral failed to adhere to the SCRA and a contractual agreement for hardship which they charged for every month. If they can't prove i did or did not have hardship insurance how come they can lie and put multiple charge off claims. As a XXXX male with a low credit score back then i had to pay the insurance fee it wasn't optional... it is criminal to treat people that served this nation over 20 years like this. NFCU is a corrupt organization that takes advantage of XXXX servicemembers.
Product: Debt collection

I am unaware of this debt. I did not have a opportunity to dispute this information. If in fact you give me proper notification. Please send me the certified mail receipt with my signature. Also can you furnish the contact or agreement between you and I with my signature on it
Product: Mortgage

The mortgage servicer Mr. Cooper has accepted and confirmed the submission file for XXXX XXXX. & XXXX XXXX XXXX was received on multiple occasions in XX/XX/2019 ; however, the assistance package would within days be denied. The denial was based on the claim that the mortgage note owner would not accept any submissions from the XXXX XXXX. Mr. Cooper claimed that they had received confirmation from the mortgage note owner that the XXXX XXXX had reached their limit for mortgage assistance. When requesting confirmation of said servicing agreement, instructions or communication confirming this statement we were denied every time. Mr. Cooper has not been transparent with any information and have prevented us any form of mortgage assistance. This has caused our home to remain in foreclosure and now we have been forced into a foreclosure date of XX/XX/2019. We believe this is predatory lending and a violation of the Mortgage Assistance Act. We are needing assistance because as consumers we are being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last few months I have been trying to get my credit work done between the three credit bureaus XXXX Trans Union and XXXX they have failed to honor and repair my credit I have a notice that shows and if you read it it will tell you according to the fair credit report section XXXX you are required by law federal law to verify through physical verification of the original signature and they do not do that they Get online and wait for the creditor to respond no written signature from me and then they say that the credit is mine they to nothing
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX SS # XXXX XXXX XX/XX/XXXX XXXX Greeting To Whom It May Concern, Please take a look at the information that I am disputing on my Credit report, this information is inaccurate on my credit report. I am sending a copy of closed accounts and inquires on my credit report and inaccurate information on my account. This information needs to be addressed. Please correct information concerning all these accounts. ( Please see attached ). I am asking for a full investigation. Please fix this report effective and immediately. Also I am disputing the credit inquires that are not mines and needs to be removed.

Please send me written confirmation, also included proof. That youve complied with section 623 ( a ) ( 4 ) of the fair Credit reporting Act for the National credit Bureaus.

Thank you for your cooperation. If you have any question concerning this matter I can be reached at phone number above. 
XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + All Banks- All Banks ( XXXX ) XXXX Thanks in Advance
Product: Credit card or prepaid card

I received an Exclusive Pre- Qualified credit offer from Capital one. I applied for it with the Reservation # and the Access Code they provider in there offer. I was denied Credit, with a Hard Inquiry Hit of 40 points off of my credit score ... 40 POINTS!!! I Read the small print it said with the Pre- Qualification I would Not Receive a Hard Inquiry.I'am so frustrated! I have been trying to repair my credit. XXXX XXXX suggested I needed more revolving credit and strongly suggested Capital One. It feels like Blackmail. 40 Points for being Denied is unheard of ... please help!!! I applied for this Capital One Offer The Middle of XX/XX/2018.
Product: Credit reporting or other personal consumer reports

I'm personally submitting this complaint regarding late payments on my credit record. Upon reviewing my records, I discovered these late payment entries. Despite sending letters about this issue more than 30 days ago, I've received no response, and they haven't provided satisfactory validation. I'm seeking your help to resolve this matter quickly and effectively.
Product: Checking or savings account

I disputed tramsactions while i was encarcerated they filled out the survey wromg amswers appealed the descision but still not even a provisiomal credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my most recent credit report on XX/XX/2020. I notice that both Transunion & XXXX  is currently reporting accounts that we're removed or deleted In previous months. Please see attachment. 

Old account under the name : XXXX XXXX XXXX XXXX. Original creditor : XXXX XXXX XXXX XXXX  ( deleted ) in XXXX of 2020 New information being reported as follows ; XXXX XXXX XXXX XXXX ; original creditor ; XXXX XXXX  XXXX ( violation ) Notice ; the company changed or switch the name of original creditor and resubmitted account intentionally the damage my credit ratings. this is fraudulent, misleading, inconsistent, Unverifiable, And inaccurate a violation of FCRA rules. 

Violation : for reinserted in and around XX/XX/2020 without 5 business days notification as required by federal law.
Product: Checking or savings account

On XX/XX/XXXX i purchased a vehicle from a company called prime time auto leasing. I sent a one time payment of {$1500.00} which went through. I then tried to send a different payment of {$1500.00} which was blocked from bank due to suspicious activity. I called and let them know that it was me making the transfer. They let me know that I was already charged for the blocked money transfer and that the charge of {$1500.00} was pending on my account and that they could provide me with a temporary debit while they canceled the charge. Then on XX/XX/XXXX the charge that was supposed to be removed got posted on my account. I called my bank and made a dispute and now almost a month later XXXX XXXX They have denied my claim even though on multiple occasions and with multiple chime supervisors that have agreed that error was made on their side.