23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I receive government VA XXXX benefits that are loaded to a Direct Express debit card issued by Comerica Bank. I was recently incarcerated and my account was therefore locked. While incarcerated, my sister, who is my power of attorney, attempted to work with Direct Express to access my funds to cover my living expenses and they stated that they would not release the funds because I was in jail. In no contract or agreement anywhere online or in physical possession does it state that a beneficiary of VA XXXX benefits shall be rejected coverage while incarcerated, so that is my XXXX issue. 

I was released from XXXX XXXX jail on Tuesday, XX/XX/XXXX XXXX and immediately upon release, I contacted Direct Express at XXXX to unlock my account. They XXXX requested proof of release and I faxed the documentation to XXXX. I followed up on Wednesday, XX/XX/XXXX XXXX and Direct Express confirmed that they had the fax, but now they needed XXXX forms of picture identification. Since I currently have no money, I walked to a printing company and faxed XXXX forms of picture identification. I called again today ( XX/XX/XXXX XXXX ) to follow up and they said, " we do n't need XXXX forms of picture identification ; we only need the proof of release '' and much to my surprise, now they DO NOT have it and that it takes up to 6 business days to obtain the proof of release that I faxed on Tuesday, XX/XX/XXXX XXXX. I asked to speak to a supervisor and the person hung up on me. I called back, explained my situation again, asked to speak to a supervisor, was put on a long hold, and the same representative by the name of " XXXX '' stated that a supervisor is unable to speak to me until Direct Express receives my faxed proof of release, which could take up to 6 days. He hung up on me after I further questioned their practices.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Inaccurate Credit Information Account : XXXXXX/XX/XXXXXXXX Account Number : [ XXXX ] Dear Sir/Madam, I am writing to dispute the information in my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The account listed below is being reported inaccurately, and I request its immediate removal from my credit report due to unverifiable and incomplete information : Account Information : Creditor : Bank XXXX XXXX Account XXXX : **** High Balance : {$13000.00} Balance Owed : {$0.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Closed Date : XX/XX/XXXX Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Payment after charge off/collection, Canceled by XXXX XXXX, Unpaid balance reported as a loss by credit XXXX Credit Limit : {$12000.00} XXXX and Issues : Unverifiable Information : The information provided about the account could not be verified. 
Incomplete Information : Certain details are missing or inconsistent across different credit bureaus. 
Credit Bureau XXXX : XXXX : Account reported with a high balance of {$13000.00}, last verified on XX/XX/XXXX, and a paid status after charge off/collection. 
Experian : Account reported with a high balance of {$0.00}, last verified on XX/XX/XXXX, and an unpaid balance reported as a loss by credit grantor. 
XXXX : No detailed information provided, indicating potential discrepancies. 


Given the above inaccuracies and inconsistencies, I request that you promptly investigate this matter and remove this account from my credit report. As per the FCRA, you are required to complete your investigation within 30 days. 
I have enclosed a copy of my credit report highlighting the relevant account information, as well as any supporting documents that verify my claim. Please inform me of the outcome of your investigation at your earliest convenience. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've called in numerous times only to be ignored by the XXXX agents. I've mail letters only for them to be ignored. They will not honor my request to remove fraud alerts from my credit profile. Currently unable to receive a mortgage because I have these fraud alerts on my credit profile.
Product: Checking or savings account

My XXXX XXXX account was fraudulatly used to withdraw money from two of my personal checking accounts with XXXX and BankMobile between XX/XX/XXXX and XX/XX/XXXX. The claim submitted to bankmobile was partially denied because they state the merchant " XXXX XXXX '' has provided them proof that these transactions are mine which is a lie. I have documentation from XXXXXXXX XXXX that confirms i am not responsible. I provided this proof to Bank Mobile however they still denied my claim for the same original reason. My account is overdrawn because they reversed the credit provided to me in XXXX.
Product: Credit card or prepaid card

PayPal charged me a late fee of {$30.00} and has reported negative information on my credit report for a payment they claim was refused for non-payment by my bank. I have contacted the bank from which the payment was made and that bank claims they received no requests for payment from PayPal on or around that date. The bank also confirmed that I have never had a payment refused at any time since opening this account. I contacted PayPal asking for clarification of their alleged request for payment that was refused and they have not responded within 30 days of my question.
Product: Credit card or prepaid card

Application ID | Reference : XXXX American Express denied my application for the following reason : We're writing to let you know we can not approve your application at this time because our records indicate that a payment was returned in the past 30 days. 

I called them many times and ask them for a reconsideration. The returned payment was because of an unauthorized transaction on my account for the amount of {$54.00}. The fraud team already conclude that it's not my fault for the returned payment. However, when I tried to explain this to the credit card application team, they seem not to understand. They always put the wrong notes in and never approve my application.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 GEORGIA XXXX  XXXX XXXX GEORGIA XXXX XXXX XXXX GEORGIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX, These Companies has violated my rights.

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
Product: Credit card or prepaid card

On XX/XX/XXXX, a payment was made to my Captial One Mastercard account from my mother 's checking account at XXXX XXXXXXXX XXXX I believe the payment was made online. In XXXX of XXXX, I had an abnormally high balance and decided to make an additional payment on my card on XX/XX/XXXX, for {$2500.00}. When I was completing the payment online, I saw that there were XXXX checking accounts connected to my Capital One account. I'd forgotten about my mother 's {$5000.00} payment last XXXX, and I immediately called Capital One to have the unrecognized linked account removed. The next day I spoke to my mother and asked her where she banked. When she said XXXX XXXX XXXX I realized that I'd made a mistake and called Capital One. They said they would note my account and credit my account. Then I was notified through the Capital One app that a payment adjustment ( debit ) of {$5000.00} had been applied to my account. I was never informed that was going to happen and it was in direct contradiction to what I'd been told. I called Capital One to explain the situation, and they told me the money had already been returned to XXXX XXXX XXXX. I called my mother and asked her to watch for a credit to her checking account for {$5000.00}. A week went by without the credit. I called Capital One who then told me it could take 1-2 billing cycles for the money to show up in her account. I asked why when a wire transfer takes 3-5 business days would the money take so long to appear in my mother 's account. At that time they told me that there was an ongoing investigation and that was the reason for the delay. Then I saw that there was a letter on my account dated XX/XX/XXXX, stating the investigation was complete. After another week passed, I didn't understand why the money wasn't in my mother 's account since it clearly didn't belong to them anymore. ( They'd debited my card and as a result, had been made whole. ) I called Capital One once again and they were very rude in insisting there was nothing more to be done than to wait. I spoke with supervisor after supervisor, retelling the story. After telling the story to a customer service representative a few nights ago, ( I believe it was the evening of XX/XX/XXXX ), and getting more and more frustrated by her lack of empathy and unprofessionalism, I was transferred to a supervisor who informed me that the money had been placed in an " unclaimed funds '' account. I'd never heard that term and the supervisor informed me that the funds were never going to be returned to my mother 's account. Now I got really furious because I realized that Capital One had essentially stolen {$5000.00} from my family. This supervisor actually had sympathy for me and completed a complaint form with me over the phone, apologizing profusely. Later that night I received some paperwork to complete on the Capital One app, and after 3 days my account was credited {$5000.00}. The whole situation took so much of my time and energy to resolve and I don't think what they did was professional or even legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

United Consumer Finance is inaccurately reporting an alledged debt in the amount of XXXX on my Experian credit report that is inaccurate and injurious to my credit rating and overall l financial status. I have sent United Consumer Finance a validation notice under The Fair Debt Collection Practices Act Section XXXX via certified mail return receipt requested on XX/XX/2018 Article # XXXX XXXX XXXX XXXX XXXX. 
I disputed with credit bureau ( s ) and it was illegally verified by United Consumer Finance. 
The alledged truncated account number reporting on XXXX   credit report is XXXX want this inaccurate, injurious, erroneous information removed immediately from my XXXX credit report. 
.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written a letter informing Zales that I did not apply for their product. My information has been used by this company and reported to the credit reporting service please delete asap
Product: Checking or savings account

I am filing this complaint to address U.S. Bank 's refusal to update the address for my company, XXXX XXXX XXXX XXXX XXXX, due to their apparent mishandling or misplacement of the Master Services Agreement ( MSA ). This issue has caused unnecessary delays and further eroded my trust in the bank 's ability to manage records and deliver competent service. 

On XX/XX/year>, XXXX XXXX, a Small Business XXXX at U.S. Bank, informed me that my address update request could not be processed because the Treasury XXXX department did not have a copy of the MSA on file. This claim is problematic for several reasons : I executed a valid MSA with U.S. Bank, and it is the banks responsibility to maintain and safeguard such documents. 
The timing of U.S. Banks response raises concerns. My address update request was submitted on XX/XX/year>. However, I was only contacted about this issue on XX/XX/XXXX, XXXX day after I filed three separate complaints regarding U.S. Bank 's address policies with regulatory agencies.

U.S. Bank has provided conflicting explanations regarding the absence of the MSA. According to XXXX XXXX, the Treasury XXXX department either never received the XXXX or failed to upload it into their system. Regardless of the cause, it is clear that this situation stems from U.S. Bank 's negligence in record-keeping. 

When I informed U.S. Bank of my new address, I fulfilled my obligations as a customer. However, U.S. Bank insists that I execute a new MSA as a condition for updating my address, despite the existence of a valid, signed agreement. This demand is both unreasonable and a clear attempt to shift the burden of their mistake onto me. 

Impact : This mishandling has caused delays in critical administrative updates for my business, XXXX XXXX XXXX XXXX XXXX, and further demonstrates U.S. Bank 's inability to provide reliable service. The banks negligence not only disrupts my operations but also undermines my confidence in their professionalism and integrity.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Transunion Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Checking or savings account

XXXX I went on vacation to XXXX, XXXX, and XXXX. Upon arriving, I was planning on using my banking card to make withdraws from ATMs and purchases at hotels as well as for taxis and events. I was informed that I would be able to use my debit card XXXX without any issues unfortunately when I try to use my card I was unable to make transactions, and my card was locked. I proceeded to contact my bank to see what the issue was and update any information that was out of date. The first time I called, they said the issue had been resolved and that I would be able to make purchases. Shortly after that, my card became completely locked again, so I was not able to pay for the hotel. Stay that I wanted as well as three of the events that night. Their hours of operations were outside the hours that we were awake and active in the morning due to the time zone in the XXXX. I called them a second time to find out what was going on. They apologized and then tried to correct the issue again they had no idea on their end. What was going on and that card should work. I tried again making purchases on that card. Now, thinking that the issue had been resolved and with clarification from them that there was no hold and lock on my card just to be met with the same exact issue. The following third time that I reached out to them, I got a hold of a manager and they told me that I would have to notify them each time that I went to use the card for every transaction and this was just a feature that they had on the card that they did not inform me of prior. Noted I do have a screenshot from a message bot from their online portal stating that I could make international transactions Uninterrupted. They also denied ability to speak to the fraud department after I requested to see if they could figure out what was going on. This greatly ruined my experience on the trip because I was completely unable to make the purchases that I need to, and ultimately had to wire money to my account just to be able to pay for the basics. This would not have been an issue had they had not originally stated that I could use the card XXXX
Product: Mortgage

In XXXX I applied for a loan to purchase XXXX homes. There was a non- refundable {$500.00} application fee for each property. We had the properties under contract pending funding from Wells Fargo. The bank didnt answer us until a few days before the contracts expired. We received notice that they didnt make those kinds of loans. We went to WF because our friends had used them for their purchases of property. As soon as the contract expired several other investors purchased the properties. Not only did we lose our deposits but we also lost the properties. We did contact WF and were told that the deposit was non refundable. We already knew that but we didnt receive an explanation about our loan being denied. We did find more properties, went to another bank and got the loans with no problem.
Product: Credit reporting or other personal consumer reports

looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXXXXXX XXXX Account Number XXXX ] are not complete and accurate.

And one more thing according to 15 USC 1681s-2 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.

Check attachments below.
Product: Consumer Loan

When I went to One Main Financial on XXXX in XXXX to finish the paperwork for my installment loan I was asked about purchasing an Auto Plus Plan for an additional {$13.00} a month for 5 years and I told the loan officer I did n't want t hear anyone about it but he said " listen to me you have to listen to me '' and contributed to read everything about it. After he was finished I declined the offer. The branch manager, XXXX, sitting behind him said " I heard you decline that Auto Plus Plan? Why? '' I told him I was not interested and he continued to argue with me pressuring me to buy this and it had nothing to do with unsecured installment loan I was in there to finish up. I told him that I was not comfortable with it the pressure they were giving me to purchase this product. I feel this is unethical to try to push products unrelated to the loan I 'm taking out and pressuring me to buy it and when I decline to continue to push and question why not and this was manager pressuring they was ease dropping on my conversation with loan officer I was dealing with. It has really bothered me that they are able to push products like this on consumers.
Product: Vehicle loan or lease

I purchased a XXXX XXXX with gap protection in XXXX. My auto was total loss XX/XX/XXXX. My insurance paid about XXXX leaving me with XXXX. I was under the impression that the gap would pay the balance. I filed a complaint with the Chrysler Capital and it went to a few supervisors. They advised because I used the deferment option that it voided the gap. This was never advised when purchasing the product. I was left with paying a monthly payment for a car that I didn't have and had to purchase another auto and had a payment on my new auto. I couldn't afford to not make the payment because i was worried about it affecting my credit with purchasing a home. Also my mother was cosigner and I couldn't gamble with messing up her credit too. This went against my debt to income ratio because I had to purchase another auto. I did research and saw that this happens alot. I work in finance and see charged off balances all the time. My customers advise they had a total loss and that was the balance gap didn't cover. I never understood until it happened to me. I am out of XXXX because I had to pay it off and couldn't afford to manage two car payments. I want my money back because this was not explained when purchased and they never offered a refund for the gap coverage or tried to meet me in the middle with anything. This is unacceptable and they should explain what disqualifies you so that people now rather they want this coverage. Things happen in life and sometimes you aren't able to make a full payment.
Product: Mortgage

We had a water claim at our home. Our insurance company XXXX XXXX, has sent 2 checks ( with more to come ) for periodic distributions when stages of work is complete. It took a while but the first check was ultimately accepted by Key Bank, the mortgage company. XXXX XXXX has issued a second check for carpet replacement. I have tried to deposit the check with KeyBank and the local branch can not get the mortgage company to give them direction on how to deposit the check. In the meantime, the contractors need to be paid, which I have had to do out of my personal funds. I had to do this to keep the workers on track for the next stage or repairs. Yet I can not get KeyBank to deposit the funds into my KeyBank account.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX XXXX XXXX report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance {$69000.00} XXXX XXXX {$0.00} XX/XX/XXXXXXXX Balance {$630.00} XX/XX/XXXX XXXX XXXX {$6600.00} XXXX XXXX XXXX Balance {$1300.00} XX/XX/XXXXXXXX Balance {$5000.00} XXXXXX/XX/XXXX XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX HAS BEEN REPORTED ON MY CREDIT REPORT. BUT THE CHARGES AND THE ACCOUNT IS NOT MINE. ITS A FRAUDULENT ACCOUNT WITH FRAUDULENT CHARGES. AN IDENTITY THIEF STOLE MY INFORMATION AND PRETENDED TO BE HE/SHE MAINTAINED THIS ACCOUNT. CHARGES WERE NOT MADE BY ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Certified letter to both Transunion and XXXX  asking them to validate the debt from XXXX back in XX/XX/2021. The account was not validated and the information that is reporting is still not correct. The account is paid. Both agencies are reporting different information, neither is correct.