23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2022 Keystone Financial sent an email have claimed that they have a judgement against me without proper service of a lawsuit.

They 15 USC 1692i ( b ) states nothing shall be construed to authorize the bringing of legal actions by debt collectors. 15 USC 1692g9 ( c ) The failure of a consumer to dispute the validity of a debt may not be construed by ANY court as admission of liability by the consumer.

They have threatened to " execute '' judgement without proof. Specifically stated if I file another complaint that they I would be sued personally.

This is extortion and extortion which are violations of 18 USC 894a ( 2 ) and 18 USC 873.

If they continue to insist that they are loaned me any " money '' then they are admitting to using United States or bank notes as collateral which is a violation of 12 USC 582 NO banking association SHALL RECEIVE United States notes or national bank notes as security or as collateral security for any loan of money.

All Rights Reserved UCC 1-308
Product: Credit card

Have not received my XXXX points to my Spirit airline account despite charging more than than the minimum required {$1000.00} to their Spirit sponsored BofA credit card within 90 days. I've had 2 contacts with Spirit airline reps who promised to resolve the issue without any results.
Product: Credit reporting or other personal consumer reports

I'm writing to challenge the late payment recorded on my credit report. After thorough examination, I've identified what I believe to be inaccuracies that require attention. 
After examining my credit report, I've identified discrepancies concerning reported late payments. I have a consistent record of meeting my financial obligations punctually, leading me to believe there may be an error or misunderstanding in the reporting process. Moreover, both XXXX and XXXX credit bureaus have already updated their records regarding this account. XXXX XXXX XXXX.
Product: Checking or savings account

While I was a Wells Fargo customer, they opened another account without my permission after they called an asked me did I want to add the new account and I specifically told the representative NO, I have all my bills structured and the payments come out of this and I dont want to change anything. A few weeks later the account was opened, I called and the representative just overtalked me like a sales person explaining why the account was beneficial etc. Being a single mother who didnt make much, this was stressful to have to take time to try to change all my billing accounts and hard being young and still learning about structuring my finances. This causes multiple overdraft fees. I have the emails to prove it. *maiden name applied at time account was openXXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I applied for a small line of credit from Netcredit.com. I am salaried and have a stable job history and provided all requested paystubs and bank statements so income could be verified. I was turned down the first time due to unable to verify income which perplexed me because everything was submitted, even MORE paystubs going back further than required. This turn down was Monday.

I called and spoke to someone Tuesday who started a fresh application and said no problem looks like everything is here I will place a note for underwriting that youve submitted all the documents already to portal.

Next day, happens again. Same turn down reason.

Ive spoken

to two reps, sent numerous emails for specific reasons as to how or why this turndown reason was chosen since its invalid on its face. But no one will be clear with me or have any member if leadership call me back. They didnt choose a credit related reason because I have average credit but everything I pay I pay ON TIME. I dont even have a mortgage. Just a deed to my home. Theres no reason for this turn down. I have records and more details. Something is fishy and I dont know if its because I said no coborrower and that I dont want my husband in the loan, or if its something else this same underwriter refuses to say. I just know this is some kind of violation and I want this made right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been request couple of times to remove unverified accounts from closed my account of my credit report with EXPERIAN. Please consider these matters and the account information that needs to be deleted immediately upon your investigation as soon as possible. 
The List of Urgent Disputing Item is as follow ( in the order of listed on my credit file with Experian, XXXX XXXX, XXXX ) Please remove the following item as soon as possible entirely. 
XXXX XXXX -Account # XXXX Opened XX/XX/2018 With Credit Limit of {$40000.00} - This is not my closed account on my credit file.Please remove this information from my credit report that you maintain under my social security number and according to section 605B of the Fair Credit Report act, send the required notifications to all parties involved for this matter
Product: Bank account or service

I closed my bank account with Santander Bank after having a huge number ( XXXX ) of NSF fees taken ... this series of fees was the direct result of a collection agency named XXXX, XXXX XXXX XXXX ( XXXX, NJ ) had wrongfully taken out a court order to remove all monies from my checking account with Santander. The local Santander branch manager here in XXXX XXXX, XXXX location, a XXXX XXXX, said that the fees would be waived if the case were waived by the district court judge. The judge did waive the court order, but my NSF fees were not refunded ; read on. 
The collection agency, XXXX. were already receiving approx. $ XXXX/paycheck, every other week, via wage attachment. Here is what happened : wages were garnished on a Thursday, and the very next day, Friday, my entire checking account was emptied out. XXXX dollars for me, for anything, for two more weeks until next pay. I had to borrow to survive, and at high interest. 
I provided the DC judge, XXXX court officers, and XXXX. with copies of XXXX supporting documents from the bank and payroll dept. of my employer. XXXX released the money after receiving the letter. The DC judge did rule in my favor to have the order reversed. 
Meanwhile, at Santander Bank, I was told that the XXXX NSF fees would not be reversed, " because our legal department says that the court ordered action was not illegal ''. So, they kept {$380.00} in fees. 
I waited for a couple of months, to be sure that all outstanding items had cleared, and having discontinued my auto-deposit of paycheck to XXXX, and went to the local branch on XXXX in XXXX XXXX to close out this account on XXXX XXXX. I wrote a check for {$120.00} to cover overdraft, received {$0.00} back in pennies, andI was told that the account was closed, that I would receive mailed notification as per this action. I did not receive any documentation on the spot ; I was told that this would be mailed. I waited. I checked my home mailbox, and my XXXX XXXX XXXX 
I received NSF " postcards '' from Santander instead. I was horrified to find out today, XXXX XXXX, that this account was still open, and that XXXX had sent several items since the " account closed '' date, ( incurring numerous fees, several that I could see on the assistant manager 's screen were " sustained overdraft fees '', each of these {$35.00}. I was told today that there was no record that this account was ever closed. 
When does this stop? Why were n't these items denied by the bank, flat-out, ( since the account was supposed to have been closed? ) WHY was n't this account closed on XXXX XXXX? WHY was n't I contacted by email or phone, and only by mail? I sincerely believe that these delays are a scam. As I already stated, this account should have been closed a month ago. 
Additionally, today, XXXX XXXX, the assistant manager told me that it would be a WEEK before I could expect a phone call from the manager. More time to amass more {$35.00} fees. 
I just now, went online to see if I could access this account online. Having believed that this account was closed, I have n't tried this until now XXXX on XXXX XXXX. Guess what? I can still get online access.
Product: Credit reporting

I filed a dispute with Transunion on   XXXX   XXXX   XXXX   disputing  XXXX   XXXX   XXXX   XXXX   XXXX   ( Account  XXXX  ) and received a letter stating that their records show that the information you disputed does not currently appear on your TransUnion credit report ( File #  XXXX  ). However, this account is indeed still reporting on my TransUnion credit report. This account was also previously disputed on  XXXX   XXXX   XXXX   XXXX     and removed from my Transunion credit report sometime between   XXXX   XXXX  , then immediately added back on.
Product: Checking or savings account

Unfortunately, this is my second time complaining about this issue. I have been trying to rectify this problem for XXXX weeks now. On XX/XX/2023, I made a mobile deposit into my savings account using my paycheck number XXXX and the amount was {$440.00}. The funds were deposited into my account the next business day. This XX/XX/XXXX, I check my bank account and notice that Bank of America debited my savings account that exact paycheck amount of {$440.00} claiming that I made a duplicate deposit. Naturally, alarm bells rang inside my head because I did not deposit that check twice. So I contact my bank and get nowhere. I had to call them at least 5 times before they tell me that my SAME paycheck was deposited at another bank ( XXXX & XXXX ) which I am not affiliated with. They then proceed to tell me to contact my employer. I contact my employer and he shows me that my check was taken out of his business account when I deposited it in XXXX. It only came out of his account one time. After contacting my bank and getting nowhere, I decide to file my first complaint with the CFPB. After their first time investigating this issue, they determined that my exact paycheck that I deposited in XXXX was also somehow deposited XXXX month later in XXXX to the account at XXXX & XXXX bank ending in XXXX. CFPB told me to contact my employer again and then denied resolving my complaint. After my first complaint was closed, I discovered that the account number in which MY paycheck got deposited to DID NOT MATCH my employers business account number. So what I am getting at here is : Someone committed check fraud using XXXX of my paychecks. I contacted XXXX & XXXX bank and they told me there was nothing they could do or share because I do not have an account with them. My question is : How in the world is it policy at Bank of America to take away my money that I deposited first in XXXX because someone else fraudulently cashed my paycheck XXXX month later in XXXX? I don't understand how it is possible to get away with that when banks should be checking for identification when depositing a paper check in person. I genuinely am so bewildered and concerned that the banks are just brushing this off. Meanwhile, I somehow am getting penalized for someone who somehow got a hold of my check and cashed it ( not even sure how this is possible to begin with ). I would really hope that this raises some red flags to someone, because this just is not right. I deserve to have that paycheck funded back into my account. The reason that this has nothing to do with my employer is because the XXXX account numbers are different. There is no way that my employer deposited my paycheck because his account number does not match the initial CFPB findings. I would really appreciate if someone could help me out and give me reasonable explanation for all of this and help me get this money back because I work very hard for my money. There is no reason for it to take me this long to get back the money that is rightfully mine. Thank you.
Product: Money transfer, virtual currency, or money service

On XX/XX/23 at my restaurant my employee keyed in a transaction for XXXX in error. The correct amount was supposed to be for XXXX plus tip. The transaction was processed and the cardholder was assessed the charge for XXXX. The cardholder then disputed the transaction and was awarded the refund. The problem is the transaction fees that were paid to Elavon were not returned the the merchant ( XXXX XXXX XXXX of XXXX XXXX ) the fees totaled XXXX dollars for the month and shouldve been around XXXX dollars. When he reached out to Elavon they said they couldnt give him a refund because the money was already sent to visa and they would not be able to dispute despite the amount they were charged being incorrect.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report, and noticed I had fraudulent accounts listed on my credit report. I am requesting for these accounts to be deleted from my credit report immediately, as they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to formally address a significant concern regarding the tardiness in opening my account with Credit Bureaus. Despite submitting all necessary documentation and fulfilling the required procedures well within the stipulated time frame, I am dismayed to find that my account has not been opened promptly. 

The delay in opening my account has caused inconvenience and frustration on my part. As a customer, I expected a seamless and efficient process, especially considering that all prerequisites were completed diligently and in a timely manner. However, the failure to open my account within the specified period has disrupted my financial plans and caused undue stress. 

Moreover, the lack of communication regarding the status of my account exacerbates the issue. I have made numerous attempts to seek clarification and updates, but the responses have been vague and unhelpful. This lack of transparency only serves to compound my dissatisfaction with the service provided. 

I would like to emphasize the importance of addressing this matter promptly and ensuring that corrective measures are implemented to prevent such occurrences in the future. Timely and efficient customer service is paramount in maintaining trust and satisfaction, and it is imperative that steps are taken to uphold these standards. 

In light of the inconvenience caused, I kindly request immediate action to expedite the opening of my account and provide assurances that similar incidents will not happen again. Additionally, I would appreciate transparent communication throughout the process to keep me informed of any developments. 

I trust that you will give this matter the attention it deserves and take appropriate steps to rectify the situation promptly. Your cooperation and prompt resolution of this issue are greatly appreciated. I am asking for your assisstance to correct this account in my credit file : XXXX XXXXXXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

Equfax XXXX and XXXX XXXX Have struggled to take off inquires off my record Ive called over 100 times trying to relative and fix it they are complicating things and I finally gave up and now am seeking porefsinal help
Product: Vehicle loan or lease

When I get this loan with the company Leaders Financial they never told me never contact me after the loan deal so I never knew when was my payment due they sent me a month later the book of payments with the actual date the day used to be the XXXX of each month and I payed the very first six months paying that I tried to contact the company trying to figure it out why they keep charging me late fees then I change my due date to the XXXX of each month and they still charged me late fees but I never pay late I always pay on time. I have everything on my bank statements that I pay Everything on time never late and they just charging me like pretty much that month that they took to send me the book to me. They charging me that over the past four years, I called them and they told me that that was a mistake and I dont have any late fees then my last payment was XXXX but they threaded me saying that I have XXXX late fees which is totally unacceptable I have never missed a payment and never passed the XXXX grace period days, so if I dont pay those late fees I wont get my title, then I couldnt pay them off on XXXX then they decided to report to collectors and affected my credit drastically!
Product: Credit card or prepaid card

Saw an offer on XXXX for a Visa card that would earn me a Companion Pass if I met the minimum spending ( MS ). That was on XX/XX/2019. ( you can see in the attached screen shot that I saved this to my PC on the XXXX ) I signed up. 
When I met the MS and did not receive the Pass, I inquired. 

XXXX directed me to Chase Bank, who said that the offer did not " open '' until XX/XX/XXXX. Nowhere on the ad was that stated ( it just said the offer was valid through XX/XX/XXXX ). 


They are refusing to honor the offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Please remove from Inquiries : XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This has happened on two occasions. XXXX as reporting an incorrect balance and multiple updates within a month on my credit file with XXXX, XXXX and Transunion. My last statement date is XX/XX/XXXX with a balance of XXXX. Since this date I had two purchases ( XXXX {$18.00} and XX/XX/XXXX {$780.00} ) and a payment of {$380.00} on XX/XX/XXXX. On XX/XX/XXXX, during the same reporting period and not the end of the period XXXX erroneously reported a balance of {$830.00} to my credit file with XXXX, XXXX and Transunion showing an 83 % utilization rate. I contacted an Account XXXX and she told me, any time you make a purchase XXXX will report it to the Credit Bureaus and I stated if that is the case why isn't the same thing done when I make a payment. If that was done the reporting would of indicated a balance of {$450.00} vice {$830.00} and a 45 % utilization rate. Additionally, she advised me the balance will update on XXXX which is the statement date. So this week I have to live with this erroneous information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my credit report and I noticed that capital one has furnished inaccurate information inn credit report Account detail differ incompleteness for XXXXaccount status says derogatory but payment status says charge offdate opened differs. Balance is reported XXXX but reports say charge off. High credit all bureaus differ.credit limit differ. Past due is a balance is XXXX. It shouldnt have a balance if its a charge off. Last reported dates differ. Comments all differ. Date last active all differ. Last payment differ. 
Payment History has incompleteness Capital one had furnished inaccurate information this information has not been validated after requesting
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2020, I received an email offer to apply for an XXXX XXXX XXXX Credit Card backed by XXXX XXXX. 

I submitted the application with the understanding that sole liability would be for the business. 

I was surprised to see an inquiry on my personal credit for the card. 

I read the disclosures shown on the screen carefully and at no point is it clearly stated that personal credit would be run. I have been informed since that it is hidden deep within terms and conditions that personal credit would be run. 

Had I been made clearly aware that personal credit check would have been processed, I would not have completed the application. I would like the inquiry removed. 

In addition, somebody needs to work with XXXX XXXX to insure that they are not practicing unclear tactics to process credit applications, IE the disclosure that personal credit is going to be run should be clearly stated when filling in your information, not just deep within terms and conditions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chex Systems XXXX Is furnishing data that is preventing me from being able to open up a checkings account with banking institutions. I spoke with a representative on Monday XX/XX/2023 around XXXX. I asked the representative how can I remove the inaccurate information that is listed on the consumer report ; I was told that I can not have any of that information removed because it is verified information. I was never contacted prior to the information being furnished on the consumer report neither was I informed about the information listed about me. The FCRA requires that investigations be completed within XXXX calendar days. Under section 312, it requires that information furnishers including banks, and credit unions provide accurate and complete data to consumer reporting agencies, any failure to comply with these provisions constitutes federal law.
Product: Money transfer, virtual currency, or money service

This complaint is against the company XXXX. 

On XX/XX/XXXX I noticed that my account was hacked. Three payments were sent without my knowledge or consent, they were sent to someone whom I don't know and have never met. The payments were as follows : 1st payment : {$1500.00} 2nd payment : {$1000.00} 3rd payment : {$480.00} After seeing these payments I looked further at the app and noticed that someone had registered another person 's personal checking account and had used that account to make the payments. ( The payments were never taken from my account ) I immediately reported to XXXX   that my account had been hacked. On XX/XX/XXXX I received an e-mail from the account specialist department at XXXX. In summary they said that there is no evidence my account had been breached, that my activity was deemed highly risky, and that my account has been permanently suspended and frozen. 

At this point I attempted to transfer the {$230.00} of my personal money that I had stored in the XXXX account to my personal checking account that is linked to XXXX. I was not able to do this because my account was frozen. 

I sent another email to XXXX  insisting that my account had been breached and that I want my {$230.00} transferred to my bank immediately. They sent me a final response via email on XX/XX/XXXX again insisting that there is no evidence of my account being breached. 

On XX/XX/XXXX I called XXXX  customer service in attempts to get my money back. They concluded by saying my account has not been breached, they received a loss for the three payments that were sent to this unknown person, and as a result my {$230.00} is no longer available. They suggested I file a police report to get my money back from XXXX.
Product: Checking or savings account

I am trying to use XXXX and it says my bank PNC has a problem with me linking account
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 XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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.