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

I opened my XXXX XXXX account in XX/XX/XXXX and at that time submitted multiple pieces of ID : Canadian passport, XXXX XXXX XXXX XXXX XXXX, proof of address, drivers license, phone, email address. 
I used it pay my XXXX XXXX XXXX based graduate student loan every month by transferring money from my XXXX XXXX account to the XXXX XXXX XXXX account from which XXXX XXXX would automatically withdraw. 
Recently XX/XX/XXXX I realized that I could no longer sign into my XXXX XXXX account. I could not recover my username or password. 
Afternoon of XX/XX/XXXX I contacted XXXX XXXX customer service to inquire on my account and what has happened to my funds - based on my last statement I should have XXXX $ USD in the chequing account. 
Customer service could not locate my account. Then they changed the story and said they could not " verify '' my account. The customer service representative and manager refused to verify my account using any of the above mentioned forms of ID, nor would they use my XXXX XXXX XXXX Card account number to verify my account. They refused to even use my US tax id, email or SMS secure number to verify my account, stating that I had already " failed '' verification by not being able to provide my verbal passcode ( which I never had used in the past - I should NOT have one on the account ). They refused to let me speak to the fraud team about what has happened to my funds. 
I explained that I am able to provide ALL the same ID details as I did in XXXX and why would they request all this ID in XXXX to now refuse to use it to verify my identity now. The manager simply said " well things change ''. They want me to pay out of pocket for a XXXX notary to independently verify my identity and then submit documents to XXXX XXXX. They refuse to cover the cost of the notary. They refuse to discuss whether or not my account has been compromised or what triggered the blocking of my access to sign into my account or verify my funds. I explained that it was ridiculous that I as a customer would have to pay out of pocket for a notary when it's obvious that XXXX XXXX has misappropriated my account. I am very concerned that they have stolen my money and otherwise closed the account. 
I did not receive ANY notice of anything that may have affected my access to my account. I never received ANY communication from XXXX XXXX that new ID materials would be required. My XXXX XXXX debit card is not even expired, but they refuse to accept the debit card account information to verify my ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

my son attended XXXX XXXX XXXX in XXXX Georgia in 2009 which I cosigned a loan for at the time, between then and now I accumulated delinquents and defaults on my credit report because of financial difficulties. I am now getting my credit updated and is having difficulty doing so because between DOE and the XXXX XXXX collection agency it is showing that the loan was renewed or updated in XXXX of this year and XXXX XXXX was under investigation for tuition fraud and the bureau of fiscal services or DOE has been intercepting my refunds for some years now. It has been 10 years this year and now that I am trying to clean up my credit they renew the loan.
Product: Money transfer, virtual currency, or money service

I own a bed and breakfast on XXXX XXXX. We take credit card payments for our rooms. The credit card processor generally deposits money into my checking account daily. However, for the past month, they have been withholding my deposits citing security issues, and there has been no resolution. 

When I initially called them, they told me it was because I was providing too many refunds ( I was refunding room deposits after checkouts ) and that I needed to send in my bank statements. I completed that. Then, they told me the issue was that the XXXX  had a dramatic increase in income. I explained to them that it's a XXXX XXXX  Then, they told me that my money was being held because guests were booking rooms one year in advance. 

As stated, it has been over a month that they have been withholding my money, and there has been no resolution. I will not be able to make payroll, mortgage and taxes in two weeks as my savings is running out. 

Additionally, there is noway for me to escalate this situation. Everytime I call customer service, they refer me back to the same agent in the security department. They will not let me work with a supervisor or someone in another department who can expedite the process. 

I believe this is an unfair and unreasonable practice that is causing harm to my business. I do not know where else to go for assistance. I have contacted the AG, OCC, and State and US congress people ; all say it's not within their purview.
Product: Credit reporting or other personal consumer reports

This morning, I discovered that incorrect accounts have appeared on my credit report, and I have no idea how they got there. I routinely check my credit report, but this time, I noticed unexpected discrepancies. I even tried refreshing my browser, thinking it might be a temporary glitch, but the errors remained. Given this issue, I request a thorough review of the documents I have submitted so that I can put this concern to rest once and for all.
Product: Debt collection

Kansas Counselors INC is in violation of the surprise act.. its a third party collection agency violating my privacy under the HIPA act. Tried calling agency to verify debt and they wont send me any documents of the original debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an authorized user on the attached XXXX XXXX credit card ending in XXXX. This should be showing up on my credit reports with the date opened, the credit limit, paying on time each month, etc - yet, it does not currently. 

Attached to this complaint are : - my drivers license - my social security card - my mailing address - the letter from XXXX XXXX stating I am an authorized user- my actual credit card with them Please have this reporting on my credit report accurately.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

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

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is XXXX ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I must contact my attorney and pursue legal action. 

Heres the list of the questionable items : XXXX XXXX XXXX - Account XXXX I don't recall having late payments on this account XXXX XXXX XXXX  - Account XXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the XXXX characters of the XXXX statement, and all of its trailing fragments, and any other necessary aspect of factual reporting XXXX - Account XXXX Please remove it from my public record XXXX - Account XXXX Please supply information on how you have verified this item. 
XXXX XXXX XXXX - Account XXXX This is not mine.
Product: Checking or savings account

I opened a Citi checking and savings account on XX/XX/2019, using the promotion hat is currently acive here : https : //banking.citi.com/cbol/checking-tiered-offer/default.htm I applied for the {$400.00} bonus for depositing {$15000.00} or more, plus a now-inactive bonus for an extra {$100.00} for making two deposits. I deposited a total of {$1000.00} into the checking account on XX/XX/2019 and {$15000.00} on XX/XX/2019, and moved {$15000.00} to the savings account on XX/XX/2019. I waited the 60 day period for maintaining the balance. Then I waited the 90-day period for the amount to be credited. When this amount was not credited after the 90-day period, I called several times to ask for an explanation. 

On one occasion, I was told that I had fulfilled the requirements and that the full amount of {$500.00} would be showing up in my account within the next week ( roughly around the first week of XXXX ). I called again in the third week of XXXX and was told that I needed to verify the code for this promotion, which I never received and they had no way of telling me how to find. I provided the link to the currently active promotion but was told that would not work.
Product: Checking or savings account

I was have account in PNC bank and the bank close. My account was no reason and I was buy all my bill from this account and I got charged fee for all my bill because I am late for payment and all of this because the bank close my account and the bank doesnt see any reason for this situation.
Product: Credit reporting or other personal consumer reports

Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting

I somehow accidentally got my fathers name into my report which reported not only my credit information but also information from his XXXX XXXX and XXXX XXXX XXXX accounts. Please have the reporting agencies remove these XXXX permanently since they belong to my father. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXX Balance : {$52.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX, XXXX and her law firm, XXXX XXXX XXXX are attempting to sue for " legal fees '' they claim where accrued while trying to collect on a debt for plaintiff, XXXX XXXX ( XXXX ). Originally, the debt went to collections in XX/XX/XXXX and was bought/transferred by several different agencies and attorneys over the years. XXXX purchased/acquired the debt recently from the Moore Law Group, and is now suing for legal fees, they say were ratcheted up while representing XXXX. XXXX did NOT hire Moore Group, according to the conversation I had with an XXXX representation, soem time ago. Neither firm is the original collector. XXXX recently subpoenaed my bank statements on XXXX/XXXX/XXXX in an effort to move forward on the phony suit. Her office is using predatory practices to obtain money from those who fell behind on their bills and found themselves in debt, years ago, when the economy fell. The debt is over 7 years old and the statute of limitations have passed for this debt. They have no right to collect on any fees and did not represent XXXX in any fashion.
Product: Debt collection

An former employee fraudulently used my personal information to open a business credit card without my knowledge or permission. Now the cpmpany is coming to me to be responsible for the repayment of the account. Again, I never opened this account or authorized anyone to do so on my behalf. I have been a victim of identity theft.
Product: Credit card or prepaid card

This is re Kohl 's Store Credit : I accidentally typed in the wrong password and didn't notice at first resulting in me getting locked out of the account. I've tried calling several times to get accurate amounts owed. I can't get through- I'm told " you owe a past due balance '' ( that's b/c I couldn't get into the account to see balance, minimum due, etc ) and when I call- I get nowhere. They say I have to pay a balance due before they'll help me with the online access. WHAT? I'm not sending in money blindly ... ... every time I call, it's a 1/2 hour call or else I'm told to wait with an estimated wait time of 1-2 hours.
Product: Credit card

I applied for a credit card 10 years ago and was approved. 
Then my credit card was cancelled by the bank and my welcome offer was never honnred by the bank.
Product: Debt collection

I am writing to dispute and request the immediate removal of an unauthorized and fraudulent collection account that has recently appeared on my credit report. This account was not previously known to me, and I am deeply concerned about its sudden appearance without any valid verification. 
Account Information : XXXX XXXX XXXX XXXX PLEASE DELETE!!!! 
I have thoroughly reviewed my credit report and was alarmed to discover the presence of the aforementioned collection account, which I have never authorized or had any dealings with. This unauthorized entry has the potential to severely impact my creditworthiness and financial standing, and I am determined to rectify this situation immediately.
Product: Credit card

On XX/XX/XXXX, I received my credit card statement with my billing cycle that ended on XX/XX/XXXX. The statement included purchases made from XX/XX/XXXX through XX/XX/XXXX. On my statement, I show I was charged a minimum charge of {$2.00}. Assuming this is interest but Im thoroughly confused and not following why I would have an interest charge. 

Ive been a customer since XXXX and had checking accounts even prior to that. I recently had a 0 % interest promo on charges made up until XX/XX/XXXX. That promo was 0 % on those purchases until XX/XX/XXXX. Unfortunately, I made two small charges on XX/XX/XXXX and XX/XX/XXXX that posted on or before XX/XX/XXXX, which was the last day of my billing cycle. 

On XX/XX/XXXX, I made a payment of more than the minimum charge for {$110.00} that satisfied the payment due for the XX/XX/XXXX through XX/XX/XXXX statement period. 

I placed a call today and spoke with XXXX, I believe is how you spell her name. After talking through it together, it makes no sense why the {$2.00} was charged. She spoke with her manager and the manager states the {$2.00} is valid for the two charges made on XX/XX/XXXX and XX/XX/XXXX. I disagree on this for those charges are technically due to be paid up until XX/XX/XXXX per the statement I received today but now Im at odds and scratching my head as to why interest is charged up front when Im not even given a chance to pay my bill.

I ended the call still frustrated and felt not getting anywhere. To date as of XX/XX/XXXX, I have yet to receive a phone call back or an a acknowledgement of my email I sent the evening of XX/XX/XXXX. If I truly owe the {$2.00}, I will rightfully pay the charge but I really need this explained to me for it doesnt make sense. I agree that I should be charged interest if I dont pay off those two charges from XX/XX/XXXX and XX/XX/XXXX by the due date of XX/XX/XXXX since those charges are past the XX/XX/XXXX deadline for the 0 % promo. 

Logically speaking, if I made a purchase today XX/XX/XXXX for {$10.00}, it wont be on my statement until I receive the statement in XXXX for charges from XX/XX/XXXX through XX/XX/XXXX. Does this mean, I should expect another {$2.00} charge based on my {$10.00} charge if I dont another balance besides my balance for the 0 %? 

I request that a manager give me a call and walk me through this for I did not feel my issue was resolved this evening and feel it wont be resolved even after a request was opened to waive the {$2.00} as a one time courtesy. Not sure how this is a courtesy refund but a mistake from the system. 

I made a payment as of XX/XX/XXXX for the XXXX small charges so now I worry the payment wont even be applied correctly. Ive lost all trust in Commerce Bank.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX has continually called my family members, including my ex-mother-in-law ( have n't been in that family in over a decade ). Today, the company called two of my colleagues on their personal cell phones, one of whom has only been employed here for a month. I can understand reaching out to family members, but calling people with whom I work is inappropriate, embarrassing, and harassing.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH 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 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX 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 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

I have asked this place to remove the account info from my credit. LVNV XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX They will not remove this and it has been paid in FULL
Product: Credit card or prepaid card

Jpay was what I was forced to use everytime I went to XXXX  XXXX XXXX detention center since XXXX to present and it has been about 5 or 6 times. 

The company is always forcing g fees on me and stealing my money. They won't give me a y information on transactions etc. 

They force me to only go through them and then I'm at there mercy when I make purchases or when I get out they force all the money ey I have on there card. 

They have not been willing to give me my information on transaction history.
Product: Checking or savings account

i am writing to file a complaint against navy federal credit union regarding multiple overdraft fees ive incurred. Despite having sufficient funds when transactions were authorized I was charged fees due to lagged posting of charges and credits. this issue aligns with CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.