23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

Below is a sample narrative you can use : Narrative Description of Events XX/XX/year> : I applied for a loan through Upgrades online portal for an amount of {$4100.00} At the time of my application, my credit profile included a XXXX credit score, a low debt-to-income ratio, and no recent credit inquiries. 
XX/XX/year> : Later on the same day, I received an email from Upgrade informing me that my application had been denied because it did not match their credit criteria. The notification did not provide any specific details or explanation regarding which criteria were not met. 
XX/XX/year> : After receiving the denial notice, I promptly responded to Upgrades email requesting a detailed explanation of the decision. In my response, I also asked for the name of the credit reporting agency used in evaluating my credit, as required under the Fair Credit Reporting Act ( FCRA ), and cited my rights under the Equal Credit Opportunity Act ( ECOA ). 
Subsequent Actions : To date, I have not received a satisfactory response or additional clarification regarding the reasons for my denial. I believe that my strong credit profile should have met the necessary qualifications for approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately the XXXX or XXXX week of XXXX I discovered via XXXX XXXX a new credit card from XXXX XXXX had been placed on my credit report. I immediately contacted XXXXXXXX XXXX  and was informed they did not have any accounts with me. I then filed a dispute with XXXX and Equifax. XXXX apparently has removed permanently the XXXX XXXX account from my credit report. However according to XXXX XXXX, Equifax removed the XXXX account on XXXX, and placed it back on my credit report XXXX, I them a requested a copy of my credit report from all three bureaus. Approximately XXXX I received my Equifax credit report, and the XXXX account was still on the report. I immediately filed a written dispute with Equifax. Toward the end of XXXX I contacted Equifax to inquire into the status of my XXXX written complaint. I was informed they did not have it. I them submitted a XXXX dispute via phone. On XXXX Equifax mailed a letter stating they wound not be investigating the dispute submitted in the end of XXXX. Stating theyre currently processing the dispute submitted the first of XXXX. And that I would have the results of the XXXX dispute within 30 days of the date the dispute was received by Equifax. Its XXXX, and I havent received the results of the early XXXX dispute. Im getting the runaround!
Product: Checking or savings account

Good Afternoon, On XX/XX/XXXX at approximately XXXX, I tried to make a check deposit at Chase 's branch location on XXXX XXXX  XXXX, XXXX XXXX XXXX NJ XXXX The drive-thru ATM from this location had been removed recently with no ETA on when it will be back, leaving the only alternative to deposit inside the branch. So of course, I went in and the inside ATM had a notice that it wasn't currently accepting check deposits. The next closest branch was a few miles away on XXXX XXXX. I made it there XXXX minutes after XXXX and deposited my paycheck for {$200.00}. The ATM then showed a message that said my entire paycheck would be held until XX/XX/XXXX. The XXXX!!!! 

On XX/XX/XXXX, I woke up to the heartwarming notice that I was charged XXXX overdraft fees at {$34.00} each, backdated to the XXXX, and then received an additional {$12.00} fee for a returned item that Chase seemed so unwilling to process the previous night. 

I have spoken to customer service at this bank time and time again regarding holding my paychecks. I thought banks weren't allowed to do that in the first place, though would like some clarification. Furthermore, I am repeatedly subject to holds on every single deposit. When I speak to customer service, they tell me it's random. It's not random when this happens every single time I deposit a check. 

I find it very tacky that I was assessed these fees when the bank 's own ATM wouldn't let me make the deposit in time to bring the account current. I also find it tacky to charge me a returned item fee on a check they didn't even want to clear until XX/XX/XXXX. If Chase is that quick to process checks, and then wants to hold them for 14 days, then I should be the one charging fees since the bank 's getting an interest-free loan out of me. 

I'd also like to know when the drive-through ATM will be back at my branch on XXXX. XXXX in XXXX XXXX. 

Please abate all penalties and refund them to my account. Please make sure at least one ATM is working at all times. Please stop holding all of my checks for ridiculous timeframes. Chase is currently holding another one I deposited yesterday ( XXXX ) for {$200.00}. There is a pattern with these checks ; I regularly deposit from that account and it shouldn't keep holding them. The money was already taken out of the payor 's account. The check I deposited literally says " paycheck. '' This one 's being held until XX/XX/10. This is unacceptable at this point ; I can understand it for new accounts, or accounts with adverse history. My account is neither. 

Thank you, XXXX XXXX XXXX
Product: Checking or savings account

I have been charged {$430.00} in NSF fees since XX/XX/XXXX. And much more going back years. I dont know where they came from or why Im being charged. My account will have money in it and then the bank just takes {$29.00}. On two occasions they charged three NSFs fees in one day. {$90.00} taken by my bank twice. No explanation or reason. I have no bills that come from this bank, as Ive been transitioning everything to XXXX due to the predatory practice Ive experience at Navy Federal.
Product: Student loan

Navient refuses to issue a paid in full letter. They refuse to let the creditors know the account is paid in full and closed. When I call they tell me to give them another 45 days and this isnt right. Im thinking theyre trying to accrue interest in the mean time.
Product: Credit card or prepaid card

Applied for a Citibank credit card on XXXX XX/XX/2020. The Double Rewards Card. Completed the application on-line and the customer service representatives claimed that I would receive a letter in the mail regarding approval and/or an e-mail. There website claimed you can check your status by entering your telephone number or by the assigned applicant numbers provided by Citibank. I can't get a straight answer from Citibank regarding approval. I have not received a letter regarding approval or a denial, it's been over 30 days and I didn't appreciate the false advertising regarding a status update which never occurred after entering the customer applicant numbers provided by there credit card division. 
Desired Settlement : Other ( requires explanation ) Citibank needs to remove there false advertising claim of 5-7 days regarding credit card processing. There customer credit representatives should stop telling applicants to expect a letter or e-mail from Citibank regarding a decision. There credit division needs an overhaul and should be fined for telling the public exaggerating, untruthful, misleading advertising statements and stop putting customers on hold while pretending to view the applicants credit application. 
Complaint Details Nature of Complaint : Customer Service Issues Date Problem Occured : XX/XX/2020 XXXX XX/XX/XXXXDate ( s ) Complained : XX/XX/2020 XXXX XX/XX/XXXX XX/XX/2020 XXXX XX/XX/XXXX XX/XX/2020 XXXXXX/XX/XXXX Salesperson : None Provided, None Complaint Details ( cont. ) Product/Service : Citibank Double Rewards Credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTE to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the de accounts listed IMMEDIATELY!
Product: Payday loan, title loan, or personal loan

Lending Club agrees to allow customers to make payments securely through their website. They performed system maintenance over the weekend of approximately XX/XX/2020. Since that time the payment system has not worked and not allowing payments to be made by the consumer. The website as of XX/XX/2020 still will not allow secured electronic payments. They send harassing emails daily threatening late fees if you do not call a number or send confidential payment including banking information in an unsecured email. They also try to trick the consumer into giving them the same confidential information over an unsecured phone system. I spoke with 'XXXX  ' who tried to force me to give her the same confidential information over the phone without a guarantee the information would be secured. I insisted they fix their website so I have the protection of my bank and Lending Club accepts liability for any fraudulent access to their systems. They refuse. I have contacted them 4 times via their message center and twice by phone. 'XXXX  '' has no operator ID or any other proof she works for Lending Club to give the consumer the assurance the information will not be violated. Lending Club has in the past violated payments by processing them late or too early so they can assess fees. They are trying to impose fraudulent late fees because their payment system is not working. According to the XXXX XXXX XXXX, payments sent by check are often not processed on time resulting in more late fees imposed by Lending Club. I am trying to schedule a pay off of the loan however they will not fix their website to allow for the payment to be made and an immediate confirmation received. This company operates by intimidating consumers and assessing late fees by shutting down their electronic payment systems.
Product: Checking or savings account

In XXXX I received notification that two accounts were opened in my name and using my social security number at BB & T. I contacted the bank and informed them of the issue... one account had been opened in TN and one in TX with my name and address associated with it. I contacted BB & T fraud department and was assured that they would close the accounts. I also contacted the XXXX XXXX Police Department and filed an identity theft report Report NumbeXXXX XXXX. I froze my credit. 

Today I received a bank statement from Truist for account " Truist XXXX Checking XXXX '' which shows a balance of {$110.00} with monthly maintenance fee of {$12.00}.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers of dispute outcomes adequately. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

Dear Cfpb Every violation should be treated as one, whenever a bank closes an account they have no right to my money as lng as i am not XXXX XXXX or debt Merrill violating my right has just been confirmed in their response which i quoted below " We regret the misinformation provided to you regarding the processing of your funds.they have been lyinh all through my account is not restricted it is closed, the money in my account was taken by merrill in the month of XXXX, i want Merrill to provide my transaction history, and my ID will be faxed, they have my account details i want my money, i don't want to reinstate the account. i don't want to deal with merrill.I want my money. thanks
Product: Debt collection

XXXX XXXX XXXX Case Number XXXX is NOT my debt I never had a XXXX credit card and Calvalry is trying to sue me for something that is not mine. I never opened authorized or used a XXXX Credit card.
Product: Checking or savings account

Capital  one  has closed my accounts for ungiven reasons. I still have a balance of {$440.00} in one checking account ending  XXXX  and {$520.00} in another savings account ending  XXXX . I was told by their agent that they wont release those funds to me, and I will have to contact the bank of those incoming fund to reverse the fund.That will be impossible for me to do. I dont understand why capital  one  cant release those fund to me after the accounts were closed by them.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I have tried closing my credit card account with Barclays Bank. My account was only accessible via my website, but I was unable to access it. My userid and password did not work and I was locked out. I contacted Barclays customer service by phone. They said they would send me a code to verify my identity and reset my password but the code never arrived by text or email. I contacted them many times to ask for help, but they did not help. I decided to close my account and pay the last balance I was aware of in full. I Paid {$2900.00} on XX/XX/XXXX. I did not receive any confirmation of the payment. I was also not informed that there was a remaining balance of {$13.00}. Interest has continued to accumulate on the balance. As of XX/XX/XXXX it was {$220.00}. I became aware of this when I was notified by XXXX  ( whom I also have a credit card with ) that my credit rating had been reduced and they were decreasing my credit limit. They referred me to XXXX. The XXXX  report showed that there was a balance due on the closed Barclay card that continues to increase. I have contacted Barclay regarding this, but they are unwilling to dismiss the interest charges which continue to accumulate and allow me to pay the {$13.00}.
Product: Credit card or prepaid card

On XX/XX/XXXX I received my Barclay 's Arrival + credit card. I activated it on the same day. I was never notified about the acceptance of the card and so I never knew when was the card accepted. The terms and conditions on the account say that 90 days from account start I need to make payments of {$5000.00} to receive 70000 bonus miles. However, I come to know now that my account started to XX/XX/XXXX ( and I received my card on XX/XX/XXXX ) and so the 90 days complete one XX/XX/XXXX. The start date of the account is shown nowhere, nor in the application, nor on the website in my account. The company guys are verbally telling me that my account opened onXX/XX/XXXX but have no proof of that. when I call they simply are not ready to listen.
Product: Credit reporting, credit repair services, or other personal consumer reports

four accounts are reporting on Equifax fraudulently, these accounts do not belong to me, and per FCRA laws these if the accounts are fraudulent it should not stay on someone elses profile, but these are and it has made my life very much unbearable and stressful.

please i need these inaccuracies to be deleted or removed from my equifax credit file, m they have not been friendly nor have been helpful.

i think they have a glitch or something, their system is not working well and very much stressful. i have already provided my police report and FTC report to them but no use., somehow i researched and i am writing this complaint regarding them. i will be attaching my paper work and the accounts names and numbers shown on the FTC report. will be letting you know which one i have complaint about.

appreciate your help and understanding.

thank you
Product: Credit reporting or other personal consumer reports

I am reaching out to formally request the removal of unauthorized accounts and inquiries from my credit report as I am a victim of a data breach. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), which mandate the blocking of fraudulent information from consumer credit files upon notification. 
Fraudulent Account XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$20.00} Unauthorized Inquiries XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX charged my XXXX debit card account for an obviously fraudulent amount. I reported it to them on XX/XX/XXXX. They could never explain what that was for and recommended to dispute with my debit card bank. I did just that. So my debit card XXXX XXXXXXXX originated the dispute and froze my debit card account. XXXX XXXX bank immidiately reported to all credit bureaus that I missed a payment and ruined my credit history because my score dropped by at least XXXX points. I called XXXXXXXX XXXX XXXX XXXX again on XX/XX/XXXX and requested to initiate now THEIR own internal dispute ( which is what they were supposed to do back on XX/XX/XXXX when I called first time ). They finally did - ref # XXXX. Though, today, XX/XX/XXXX I have learned that XXXX XXXXXXXX XXXX made a decision that this balance {$130.00} is valid and that I'm responsible for it. They failed to provide with any statements or any details on what this balance is about or any basis for their decision in response to my dispute and fraud investigation whatsoever!! Please don't let them to get away with this!!!
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately 3. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Childs support shouldn't be on my credit/consumer report OFFICE OF THE ATTY GEN Account Number : XXXX I didn't provide permission for this account to be reporting to my credit report please remove or i will seek legal compensation 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately
Product: Credit reporting or other personal consumer reports

XXXX, Trans Union and XXXX are reporting inaccurate personal information appearing on my credit report. This is causing great harm.