23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

US BANK mishandled a possible refinance that I applied for. They never kept me informed with the process or the people involved. I would just receive emails from multiple people requesting documents. Every contact was initiated by me. The only time the loan officer called to talk to me was to get my debit card information to withdraw {$390.00} application fee. I became exhausted and frustrated with the process of not being informed, processors and officers changing. The appraisal was done and 2 weeks after I received the report I emailed the loan officer to ask why I was n't hearing anything from him and he has the nerve to say he was going to send me the report! I told him I was no longer interested in refinancing because he obviously did not know what he was doing. I do n't hear anything for 2 weeks then another unknown emails me requesting more documents! I told them the same. I cancelled. On XXXX XXXX or around I saw that my XXXX account had been debited {$500.00} by US BANK without my authorization! Now I am out {$890.00} for nothing! Please help me rectify this situation. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have began to look for refinancing options and i began my journey with XXXX, where i could fill out a pre approval no hard pull required. When i did that, following the day after i got two hard pulls by two different companies and did it without my consent. I even called one of them which i believe was XXXX XXXX XXXX and they have no record of my file allegedly. 

The two hard pull inquiries that were done without my consent are from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had a bill with this company and was not aware of this debt, this debt keeps on reappearing on my credit report and I was never notified by mail or phone or email correspondence.
Product: Credit card

Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XXXX 2015 ; 60 days late as of XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Vehicle loan or lease

For the billing period  of  XX/XX/XXXX  we had sent an electronic payment on  XX/XX/XXXX  and the funds were received and deposited by Ally Financial on  XX/XX/XXXX . They claim that the account number was left off the electronic payment and they did n't know where to apply the payment, so they issued a refund check and mailed it back to our address on   XX/XX/XXXX  making it 30 days late. upon receiving the  the check we immediately sent another payment and called to pay over the phone s o 2 pa yments were made. I have tried disputing this situation on  XXXX   XXXX  and it was denied. I even talked to Ally and was told to write a letter and fax it with bank statements showing that the funds were withdrawn before the 30 day late period. They received everything with proof that they received the funds in time and still denied removing the 30 day late payment on my credit report. We were just about to start the process of buying our first house when this happened and because of that 30 day late m y credit score h as dropped severely.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I provided each credit bureau with a police report regarding fraudulent activity/accounts in my name. I asked them to please remove all erroneous accounts from my credit report because it is causing me a lot of problems. Its extremely hard for me to provide housing for my kids due to these errors in my credit file.
Product: Credit card or prepaid card

I have been charged on my XXXX {$110.00} for groceries they say I ordered from XXXX. I have complained to you about this XXXX charge and mentioned that they refuse to send me any details about my non-existing grocery order. Just recently received inf from someone from XXXX that they are not responsible for this charge and mentioned Chase bank would provide the requested info. I have contacted numerous times the Chase Fraus Department, they agreed with me, posted credit, and subsequently, the charge was reinstated. I went to local Chase branch in XXXX and the branch manager and later his assistant contacted Chase Fraud- and they were promised to credit my account- actually, nothing happened. When complained to the branch manager- he mentioned it is XXXX and not Chase. I am sending e-mails asking for help to CEOs XXXX ( XXXX ) and Chase ( XXXX ) for over 2 weeks but they don't feel like responding. All I am asking for is details of this strange grocery charge of {$110.00} but they refuse to provide this information and XXXX ( the company charging my account ) refuses the same. It feels like something fishy is going on - maybe the XXXX database has been hacked and they charging their database. And maybe they hiding the hacking of their files to prevent media to discover... Here is the copy of info from XXXX sent to me by someone " AS '' Your bank should explain and provide you detail information regarding the results of the investigation, not XXXX. We do not have access to your account. Please contact their fraud department directly who are trained managing disputes and obtain a response from them. If they need guidance on how to assist with this concern, they are more than welcome to contact their XXXX Account Manager directly. XXXX
Product: Bank account or service

My fiancee and I filled out, but did not submit and application for a Capital One 360 checking account. The website, in fact, timed out and logged us out due to inactivity. When I received an e-mail stating I had applied for and been denied a checking account, I immediately called Capital One 360. Capital One 360 stated there was no way such a thing could have occurred, and I had nothing to worry about because the inquiry does not show up on any reports. The inquiry showed up on both my and my fiancee 's XXXX reports. My fiancee has, to this day, received no notification she had even applied for this account. We both disputed the inquiry with XXXX. XXXX has found Capital One 360 's inquiry valid. My complaint is that I no longer feel safe using Capital One 360 and am weary of any other internet banking service. Neither me, nor my fiancee submitted an application for this checking account. We began the application to find out whether the account could be opened without the overdraft line of credit as we had no interest in such a feature. The webpage logged us out for inactivity on the final page of the application while we read the fine print pop up for this account and compared it to other checking accounts. We never clicked submit on this application. Somehow Capital One 360 's website pushed the application through while logging us out for inactivity. This error, juxtaposed with Capital One 360 's denial of the possibility of an error, makes their online application process deceptive and dishonest.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion for failing to adequately investigate and remove inaccurate information from my credit report, as required by the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts on my part to resolve this issue directly with TransUnion, the incorrect information remains on my credit report, causing significant harm to my creditworthiness. 
Despite providing documentation and sufficient evidence to prove the inaccuracy, TransUnion failed to conduct a proper investigation within the required XXXX  days and did not correct or remove the incorrect information. This inaccurate information is severely damaging my credit score and affecting my ability to secure credit. As a result, I am suffering from significant financial harm. 

Under the FCRA, I am entitled to a fair and accurate credit report, as well as a timely and reasonable investigation of any disputes raised. TransUnion 's failure to comply with these legal requirements is both frustrating and unlawful. 

I request that the CFPB take immediate action to ensure TransUnion investigates and corrects the erroneous information on my credit report. I also ask that TransUnion be held accountable for their failure to comply with the FCRA.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 fraudulent collection accounts on my credit. XXXX XXXX AND AFNI. I didnt open these accounts nor did I authorize anyone to open these accounts on my behalf. Please remove these 2 fraudulent accounts from my credit
Product: Checking or savings account

Citibank High Yield Savings Account : Account becomes blocked after 6mos of inactivity ( no " qualifying transactions '' during a specific period of time ). 

The policy blocks access to funds from the account holder, provides limited/no ability to contact Citi due to the account status being " blocked, '' while not notifying within the app or interface the current account status. Essentially the only way to remove this status ( branch location is not in my area ) is to be in possession of the notifying letter, and sending a notarized form confirming your identity. 

Citi has cynically and opaquely designed their High Yield Savings Account '' dormant account, '' policy to confuse and restrict account holders from access to their funds. Ultimately, after a period of time in this blocked/dormant status, Citi closes the account and to my understanding also takes possession the funds. 

Despite having multiple ACH deposits ( of $ XXXX ) sent into the account preceding the " inactive '' period by a month, these deposits are not considered " qualified transactions. '' A " qualifying transaction '' essentially means using the ATM debit card. This account provides a card which lacks a CVV, and is essentially only usable at an ATM for withdrawals. As a savings account, it's unexpected/unusual for someone to transact out of this account on a frequent basis. However, you are unable to use the account for any standard or online transactions -- and yet, are strongly penalized and putting your savings at risk if you are unaware of this wacky policy. 

Additionally, the app does not provide any form of notification of the account status change. If the account holder fails to receive the mailed letter informing of them of this change, ( and the subsequent risk of account closure and savings forfeiture ) -- they will likely have no indication anything is wrong unless they attempt to withdraw money from the account. The interface simply provides a generic " oops, something went wrong. Try again later '' when attempting to withdraw funds while in " dormant account blocked, '' status -- further obsificating key information from the account holder. 

My attempts to call and receive information about this was essentially not possible, as the automated phone system will simply state they are unable to verify the ATM card ( due to its blocked status ). I was unsuccessful in contacting any representative on this topic. 

Ultimately, I got a notarized seal on the form provided to reverse the status, and after about 14d had access to withdraw my funds again. No confirmation or letter was ever provided.

I've since removed my money from the account and will close the account. I am now very vocal against Citi 's cynical and anti-consumer policies and practices.
Product: Credit reporting or other personal consumer reports

I ma writing to disputed account on my credit report that were made without my consent. ACCORDING TO SECTION 604 OF THE FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ), THERE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT REPORT. I DID not authorize these account and can not find any permissible pupose under this section that justifies their presence on my report, ACCOUNT XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Someone is putting their shipping address for purposes of using my store credit card for their own purposes. They are shopping on my credit card. I continue to delete their address and I got back the following day and check my account again and they put their address in their again. I contacted my store credit card companies and they reissued me a different credit card. However, they continue to do this. I don't have any resolve and I don't want to totally cancelling these store credit cards. With XXXX XXXX XXXX Old Navy, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My truck had a check engine light and it needed to be checked and repaired and so I called the XXXX XXXX XXXX XXXX to perform a diagnostics and repairs on it. 
The XXXX was able to get the codes cleared without replacing any parts and said that everything is ok. Charged me {$530.00} for this service and I paid and left. 
Few hours later the same issues came again and upon calling the repair shop they wouldn't offer any help!!! 
I called Chase Bank to inform them about this issue and asked them to get my money back from the merchant. 
They issued a temporary credid and within a month they reversed the money back and closed the case. 
This isn't the first time chase bank claims department has done something like this to me. 
I have nothing but a horrible experience to share about them.
Product: Checking or savings account

I was Reported to XXXX by BB & T bank back on XX/XX/XXXX, For a Bill to pay off a Chargeoff, i already paid off that Bill back in XXXX or XXXX i believe, The bill was for {$800.00} or more, i dont remember the exact amount? Please help in way that you can?
Product: Money transfer, virtual currency, or money service

The company was cashapp and I Needed assistance with several transaction issues and needed to speak with customer service was failed to be connected with customer service even though the app is advertising and promoting to talk to customer service there was no number active for me to call. The number I called didnt work so I had to email them, but I was never emailed back. Just an automated email. I was having an issue with a XXXX dollar transaction later last year
Product: Credit reporting, credit repair services, or other personal consumer reports

I've gone to court, final thing is I have till the end of the month, I don't have no where to go I'm a XXXX XXXX patient, applied for five places and been denied without looking at property please help I've tried everything Thank you n God bless
Product: Credit card or prepaid card

PayPal is refusing to close both accounts to my knowledge possibly more I am being told they cant send a statement for a negative balance on a prepaid debit card I believe I am being stalked by a XXXX male employee dressed in drag, that embezzled money at pep boys in XXXX, California ultimately he is going by an alias but once went by XXXX, I am trying to close all PayPal accounts because she went to prison for stealing out of the cash register while working just ask XXXX XXXX the Manager at pep boys back then before it was closed after being robbed! Please investigate this and close my fake accounts she has no apparent reason to keep my account open. Please help?
Product: Checking or savings account

Back in XX/XX/XXXX, I received a text message from Bank of America asking if I had authorized a transaction. I replied " No '' and then- over the day few hours- saw a few different ATM transactions get posted to my account. I did not get a verification text for all of these transactions. I did not authorize any of these transactions and immediately called the bank to report fraud on my account. I also froze my credit report and filed a police report on XX/XX/XXXX. 

I was given a provisional credit while the investigation went on. Finally, in XX/XX/XXXX, the bank reversed the provisional credit stating that I did perform the ATM withdrawal. At this point my checking account had a negative balance because of the reversed credit. I asked the bank if they knew the ATM location where the withdrawal happened and they did not answer. I asked if there was photo evidence or video evidence of me withdrawing the cash and they said they were not authorized to share the evidence. I asked if they had responded to the police report and they did not respond.

I didn't make the ATM withdrawals and Bank of America was not able to show me any evidence that I made the withdrawals they are holding me accountable to. They also did not send me text verifications for all of the unauthorized transactions. Finally, before the dispute was resolved, Bank of America closed my checking account without my permission and I can no longer view any of the old ATM transactions that I have been disputing for months.
Product: Checking or savings account

I was having this on going issue with fraudulent activity, and kept law enforcement involved the entire way. My twin brother was a drug addict, I informed and warned my bank of this, and he succumbed to his addiction in XXXX of 2024. 
I have offered up proof countless times. They aren't willing to accept it. 
Today at XXXX XXXX  they closed my account without warning, I get that is within their rights, without notice and with all my money in said account. They are now stating that they will hold my funds for XXXX  days incase open disputes return negative, or pending charges are taken out. 
All my pending charges are posted, and I had nearly XXXX in the accounts. This amount far surpasses any open claim, I don't think there are any, and I have no bills paid out of it. 
For them to keep my funds as a punish for what? I should be issued a check for at least half of my money the full amount is not called for. 
This fraud is a product of their lacked approach at verification, and my brother was able to take advantage of that.
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 : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : ( XXXX Original Creditor ) : Account Number : XXXX And lists of unauthorized inquiries XXXX don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of theft in XXXX XXXX, 2021. My purse was stolen with all my identifications in it. I made a police report in XXXX county, Fl. ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all XXXX credit bureaus and the company itself. I spoke to XXXX and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taken the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a 609 letter because I know this is not mine. They have not provided any proof nor removed it. XXXX also said they can't find anything on this account. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX ... XXXX XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX ... XXXX XXXXXXXX  Acct # XXXX ... XXXX XXXX XXXX XXXX TX Acct # XXXX ... XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.