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

On XX/XX/XXXX Our bank ( XXXX ) was scheduled to pay our mortgage in the amount {$1700.00}. Due to a misjudgment on when a check would clear our payment was returned due to insufficient funds. The following day the check cleared and we scheduled another payment. We learned shortly after that the first payment had been retried and the second payment was now overdrawing the account. We called the bank to explain what happened and asked for them to stop the auto pay as now we were just alternating from being very overdrawn and having a few XXXX in the account. They said there was nothing they could do and that the payment would attempt to go through two more times. 
The additional funds were never there and this process seemed to eventually seemed to sort itself out around XX/XX/XXXX, locking our online bill pay feature in their online banking platform. 

On XX/XX/XXXX we received a call from the online bill pay provider for XXXX and were notified that they put the payment through and that the second {$1700.00} was owed to them ( this seemed very odd to us ) We called our mortgage provider to confirm that they had indeed received two payments. As well as that we would not owe another payment until XXXX. This was confirmed. At that time, we told them we would not have money to pay them ( online bill pay provider ) until Monday, XX/XX/XXXX. 

On XX/XX/XXXX we were planning on calling the bank regarding the several overdraft payments they had charged us ( I believe they have reimbursed two currently ) but upon logging in we discovered that they had again tried withdraw the {$1700.00} again. We spent an additional forty five minutes on the phone today and were told my multiple Santander superviors/managers that there was nothing they could do about it. We were also given no plan for getting the situation resolved. Other than to have the mortgage company send us a check in the amount of the second payment ( which in itself didn't really make sense ). From previous conversation with the mortgage company, this would take 7-10 days. 

This has been not just inconvenient but incredibly stressful given the that this all was occurring the week before XXXX ( and beyond ). We are a family of XXXX that run our own small business. We did not have extra cash to fall back on and for some minor emergencies we have had to rely on the kindness of family to help us out.
Product: Credit card or prepaid card

Bank of America recently notified me that my account may have been comprised and they issued me a replacement credit card with new numbers in order to prevent fraud. I contact them for more details. They explained that an unidentified merchant notified an unidentified law enforcement agency that customer credit card data was not properly secured and may have leaked or been breached. That law enforcement agency contacted Bank of America who then issued me a new card. 

Bank of America does not have the identify of the merchant. However they declined to give me the name of the Law Enforcement Agency which contact me. They also declined to provide a reason for why they declined to give me the name of the Law Enforcement agency. 

I wish to protect myself and understand my privacy exposure. If I knew the merchant who mishandled my data I may choose to no longer do business with them. Or I may decide to file a civil action against them. If I know the law enforcement agency that handled this then I can request this information from them. 

At the moment Bank of America is hiding behind internal policy to shield bad acting merchants from mishandling my data.
Product: Credit card or prepaid card

My account had a final balance of {$18.00} in XXXX and it was due on XX/XX/XXXX because it was paid on XX/XX/XXXX not even 30 days late they Capital one charge a {$25.00} late fee, the same thing this month due the XXXX not even 30 days late and they charged me {$25.00} late fee this account balance of {$18.00} was paid off in XXXX and should be closed. How is capital one able to charge a late fee when its not 30 days late.
Product: Debt collection

CITI FINANCE SENT ME A XXXX CANCELING THIS DEBT ITS STILL ON MY CREDITS REPORTS
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX  AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS, INQUIRIES AND COLLECTION ON MY CREDIT FILE : Fraudulent Collections Accounts : XXXX -- -- ->Date Opened -- -- -- >XXXX XXXX XXXX XXXX : XXXX -- -- ->Date Opened -- ->XXXX XXXX XXXX XXXX : XXXX-XXXXXXXXXXXXXX -- >Date Opened -- -- >XXXX XXXX XXXX XXXX : XXXX -- -- -- >Date Opened -- -- >XXXX Fraudulent Inquiries : XXXX  - XXXX  XXXX  -- >Inquiry date -- ->XX/XX/XXXX XXXX XXXX XXXX -- -- >Inquiry date -- -- > XXXX XXXX   XXXX, XXXX -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX XXXX XXXX -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX XXXX -- -- ->Inquiry date -- -- ->XXXX XXXX XXXX XXXX  XXXX -- -- ->Inquiry date -- ->XXXX XXXX XXXX -- -- ->Inquiry date -- -- >XXXX XXXX  XXXX -- -- -- ->Inquiry date -- -- >XXXX XXXX  - XXXX XXXX  -- -- ->Inquiry date -- ->XXXX XXXX XXXX I -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX  XXXX XXXX  XXXX  -- -- ->Inquiry date -- -- >XX/XX/XXXX XXXX XXXX -- -- ->Inquiry date -- -- ->XXXX XXXX XXXX -- -- ->Inquiry date -- -- >XXXX XXXX  XXXX -- -- ->Inquiry date -- -- >XXXX XXXX  -- -- -- >Inquiry date -- -- >XXXX XXXX -- -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX XXXX  -- -- ->Inquiry date -- -- >XXXX XXXX XXXX -- -- -- >Inquiry date -- -- >XXXX XXXX  XXXX  -- -- -- >Inquiry date -- -- >XXXX XXXX  XXXX XXXX  -- -- -- >Inquiry date -- ->XX/XX/XXXX XXXX -- -- -- ->Inquiry date -- -- >XX/XX/XXXX XXXX XXXX/XXXX  XXXX  -- -- -- >Inquiry date -- -- >XXXX XXXX XXXX  -- -- ->Inquiry date -- -- >XXXX XXXX/XXXX/XXXX  XXXX  -- -- -- >Inquiry date -- -- >XX/XX/XXXX XXXX/XXXX  -- >Inquiry date -- ->XXXX XXXX  XXXX XXXX  XXXX/XXXX  -- >Inquiry date -- ->XX/XX/XXXX XXXX  -- -- -- -- >Inquiry date -- -- >XXXX Fraudulent Address : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX Fraudulent Names : XXXX, XXXX, XXXX XXXX , XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Alliant Credit Union regarding their handling of my auto loan account, [ Account Number : XXXX ], and their unlawful reporting practices to consumer credit agencies. I demand immediate action to rectify the situation in accordance with consumer protection laws. 

1. **Unlawful Reporting of Charged Off Auto Loan : ** Alliant Credit Union has unlawfully reported my auto loan as charged off, resulting in severe damage to my credit score. According to both federal and Delaware state laws, a creditor must adhere to specific guidelines when charging off an account. The Fair Credit Reporting Act ( FCRA ) clearly outlines that charged off accounts must be reported accurately and fairly. However, Alliant Credit Union has failed to do so by prematurely charging off my auto loan without providing proper notice or adhering to the necessary procedures. 

2. **Failure to Provide Form XXXX for Charged Off Accounts : ** Additionally, Alliant Credit Union has failed to provide me with a Form XXXX for the charged off account, as required by federal law. The Internal Revenue Service ( IRS ) mandates that creditors must issue a Form XXXX for any canceled debt exceeding {$600.00}. By neglecting to provide this essential documentation, Alliant Credit Union is in direct violation of federal tax laws. 

3. **Lack of Power of Attorney Over the Vehicle : ** Furthermore, Alliant Credit Union never possessed a power of attorney over the vehicle associated with the auto loan. According to Delaware state laws, a creditor must have proper legal authority, including power of attorney, to undertake repossession or take ownership of a debtor 's vehicle. Alliant Credit Union 's failure to establish such authority calls into question the validity of their actions regarding the auto loan account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of true identity fraud for transactions totaling {$10000.00}. Fraud was resolved in my favor and the charges were reversed. Capitol one continues to have break downs in communication and as a result I closed my account with them. They reported my account as a charge off unlawfully even as the account was a fraud dispute and now one where they have paid me refunds. I filed IC3 reports as well with the FBI. Capitol one has updated this account once but then reported it again as a charge off after resolving it. There was no 1099c sent to me per law and either way a 1099c shouldnt have been sent due to fraud. Its additionally not a charge off because the charges themselves were not legitimate and they do not have a debt. My account status is paid as agreed, never late no balance, closed my consumer however its presently showing with charge off and reporting delinquency date. I am frustrated by the practices of capital one as they have been resistant to resolution within their systems and several points of contact. I have fraud liability protection on the cars and the company is presently in breach of contract with me. The rep at extension XXXX XXXX ( phone number XXXX ) can confirm there has been attempts to appropriately update the account but the updating doesnt hold. Capitol one told me they could not provide me a letter addressing the known errors because they only provide autogenerated letters. Those letters do not address the actual issues with my account and the inaccuracies they are to fix. Refunds for the fraud were apparently issued : 1 ) .20 Initially sent XX/XX/XXXX 2 ) {$4800.00} initially sent XX/XX/XXXX 2020
Product: Credit card or prepaid card

In XXXX I contacted Citibank regarding a foreign transaction fee, of {$20.00}, which appeared on my statement. I was informed by the rep that my credit card was used in XXXX in XX/XX/XXXX. 

I was actually in XXXX Virginia from XX/XX/XXXX to XX/XX/XXXX, this is reflected in my credit card history. 

I have tried to resolve this issue with Citibank but they have only issued me a new credit card, I have not received credit while an investigation is conducted. In fact, when i contacted Citibank for a status update, in the XXXX XXXX of XXXX, I was informed that an investigation was not on file and that someone will contact me within the week. It is now XX/XX/XXXX and I have yet to be contacted.
Product: Mortgage

On XX/XX/XXXX after hurricane Irma ( my county was declared a disaster area ) I got behind my mortgage payment in order to fix my home and appliances damages I did applied for fema but i was denied because i have home insurance witch I couldn't afford my {$3500.00} deductible. On XX/XX/XXXX I applied for a loan modification witch it was approved on XX/XX/XXXX the same time my loan was being transferred to a different mortgage service. ( from XXXX to Home point ) the modification process continue and I started the 3 months trial on XX/XX/XXXX until now XX/XX/XXXX still making my agreement payments. Here is the issue my loan modification has not finalized yet according to Home point they have not received the original documentation from XXXX, but I spoke with XXXX and they assured me they have send Home point all the documents including the originals. ( spoke with associate # XXXX on XXXX ) who assured me all information was send and gave the information to get in touch with CFPB for help since I ask her what can I do. In the meant time my credit is bad I can refinance my home and move on from the almost 2 year disaster.Please Help me to resolve this issues I always keep in touch with both mortgage companies the last email from Home point is saying the same thing they are waiting from XXXX to send the original documentation almost 2 years is too long. thank you Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/2019, I applied and was approved for a Capital One Spark cash back credit card. The card offered 2 % cash back and offered a large welcome bonus after spending {$50000.00} within 6 months of account opening. I earned a total of {$3500.00} in cash rewards. In early XXXX, Capital One closed my account. I called to ask why and was told it was because I had a returned payment. This isn't true, as evidenced by account history. I asked again why my card was shut and was given a generic response regarding a " fraudulent '' transaction. This too is untrue, all charges are valid and I never reported fraud. Capital One refuses to honor my rewards balance of {$3500.00}. I requested it be applied to my card balance on multiple occasions within days of account closure. They have refused. This is simply stealing money from me. Capital One continues to bill me interest on my full balance, which should be reduced by the amount of my rewards balance. Capital One has not provided an honest reason my account was closed and has seized the rewards I earned legitimately, moreover they have lied regarding the reasons for the closure. This is unconscionable conduct. I understand they have the right not to do business with me, but that shouldn't give the bank the right to steal what I have earned.
Product: Credit reporting or other personal consumer reports

Attention : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX REASONS : I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law XXXX, title X, XXXX Stat. XXXX ( XXXX ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : Experian business cred Date Filed : XX/XX/XXXX Type of Account : credit bureaus Address : XXXX XXXX XXXX, XXXX tx XXXX Number : XXXX Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : Bank credit cards Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX : Reason : XXXX Account Name : XXXX XXXXXXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Bank credit cards Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX : Reason : XXXX Account Name : XXXX XXXXXXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Bank credit cards Address : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX : XXXX Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : Bank credit cards Address : XXXX XXXX XXXX XXXX XXXX XXXX ut XXXX Number : XXXX Account Name : XXXXXXXX XXXX  Date Filed : XX/XX/XXXX Type of Account : Bank credit cards Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX LA XXXX XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Bank credit cards Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, LA XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Personal loan companies Address : XXXX XXXX XXXX XXXX in XXXX Number : Reason : XXXX Account name : XXXX XXXX XXXXXXXX XXXX Date Filed : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, MA XXXX Number : Reason : XXXX Account XXXX : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX Number : Reason : XXXX Account Name : XXXX XXXX XXXX XXXX Date Filed : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, tx XXXX Number : Reason XXXX XXXX Account Name XXXX XXXX XXXXXXXXXXXX XXXX XXXX  Date Filed : XX/XX/XXXX Please remove the following addresses from my account. I have never lived at the addresses listed below nor have I given anyone authorization of these addresses. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please remove the following Employers from my account. This information does not apply to me.Inaccurate Employer as stated on Credit Report XXXX XXXX XXXX XXXX, NA Please remove the following telephone numbers from my account. I am in no way affiliated with this number. 
( XXXX ) XXXX
Product: Credit card

I've always made certain that payments on this account are made promptly, avoiding any instances of lateness. I'm uncertain as to why there are reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I setup a new account yesterday in order to freeze or unfreeze my credit reporting then logged off and attempted to log back in to check my ability to access the account. 
Unfortunately I could not log back in to the account and after three attempts was locked out. I waited 30 minutes and attempted again without success. ( Twice ) I then called the Equifax help line and after answering 8 security question about my history + SSN, DOB they said they could not grant me access to my account. I asked for the supervisor and she said they could not help me because I was using the wrong browser, i.e. XXXX XXXX XXXX and said I had to use XXXX. This company seems to be very backwards in technology and would ask you investigate their web site for cross-platform access by all the common browsers. 
Still don't have access to my account and am very frustrated with this company. I do have access to the other two credit reporting agencies without any problem but not Equifax.

Also there should be federal rule that we the consumer should have the choice which credit reporting agency we want to use. This regional selective option should not be but use of any of at least the three major ones should be selected by the consumer.

Will need to refer this to our congressman. This is not consumer friendly. For example, If someone has a dispute with the only credit reporting agency a loan company uses there can adverse problems with making a purchase during that period even though the other two agencies show good credit and are accessible. I think it was a cop-out that the supervisor said we needed to use a XXXX platform to access our account and ask you look into this. I will pursue breaking up the regional credit reporting agency limitations by financial loan institutions with my Congressman We the people should be able to choose which credit reporting agency should be used. 
Regards XXXX
Product: Student loan

I have worked for a qualified 501 ( c ) 3 for 13 years. I have tried two separate times to apply for Public Service Loan Forgiveness. The first time I was told, by then Sallie Mae, that my loans were no longer federal because I had consolidated them through Sallie Mae who does not participate in the PSLF. At this point I had been making payments for 5 years. I was told I'd need to reconsolidate with a different lender ( they had no information with whom I would need to consolidate ) and begin making 10 years of payments again. 

The second time I was told my loans were too old, that since I began school in XX/XX/XXXX and finished in XX/XX/XXXXthat they were ineligible. At this point I'm giving up. But I am filing the complaint because as XXXX XXXX at this XXXX, I file paperwork for many employees to get this forgiveness and have yet to see any approved.
Product: Credit card

American Express is not abiding by the disclosure requirement in the Credit Card Accountability Responsibility Disclosure Act of 2009 involving Applying Payments. 

Per XXXX giving a narrative on this stipulation : Highest interest balances paid first : When consumers have accounts that carry different interest rates for different types of purchases ( i.e., cash advances, regular purchases, balance transfers or ATM withdrawals ), payments in excess of the minimum amount due must go to balances with higher interest rates first. A common practice in the industry had been to apply all amounts over the minimum monthly payments to the lowest-interest balances first -- thus extending the time it takes to pay off higher-interest rate balances. 

I have called American Express asking them about this, and a representative informed me that they do not always follow the above stipulation. The call was recorded on their end as they have previously stated, so the individual making this comment is on tape. American Express did not apply the excess amount of the {$750.00} payment I recently made to the Cash Advance Balance but instead appeared to apply it completely towards the Purchases balance even though Purchases have an introductory Interest Rate of 0 % for 12 months. The minimum payment due was {$170.00}. {$580.00} should have gone towards the Cash Advance Balance, which either less or none of that amount went to the Cash Advance Balance. 
No agent I spoke with at their organization was able to answer as to why this happened.
Product: Credit reporting or other personal consumer reports

I appreciate your time and effort in removing some information from my file related to an alleged identity theft. However, there are still accounts that need to be removed. Per FCRA section 605, you are required to remove any accounts listed on an ID Theft Report # XXXX. Ive already included this report in a previous letter and am including it again. Please see below the accounts that I would like to be removed from my credit report : XXXX XXXXXXXX XXXX Balance Owed : {$270.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX XXXX Owed : {$270.00} ; XXXX  XXXX Balance Owed : {$0.00}.
Product: Checking or savings account

I have two issues. The first issue is with a claim/dispute against XXXX XXXX for {$190.00}. I am being ignored despite providing proof that the service was done incorrectly. I had to have the service done over twice and even some auto repairs after XXXX XXXX finished their coolant flush. And I have the consumer affairs attorney sending them notices to give me a refund. Chase Bank has lied to me about trying to assist me from the customer service level to the executive level. I want this situation resolved. 

The second issue is that my debit card was marked as fraud ( not by me ) yesterday and I am unable to add my card to XXXX XXXX. I talked to six reps and one person even hung up on me. The Chase Bank has been tampering with my debit card to prevent me from using it when I travel and basic cardless atm functions are disabled. This is a scam artist bank with disrespectful employees all the way up to leadership. I kept trying to add my card and was told verification was required to add the card to XXXX XXXX. No one would verify my card. These monsters are completely unprofessional.
Product: Credit reporting or other personal consumer reports

There was a payday loan that Speedycash allowed for someone to open up online/over the phone in 2023. I have attempted numerous times to reach out to Speedycash regarding this fraudulent account with no success