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

On XX/XX/year> I had two fraudulent withdrawals from my checking. I made a fraud report the same day. Per Bank if America they provide a temporary credit for 90 days then the credit is made permanent. Bank of America has not provided the temporary credit! I have called 3 times requesting they do and nothing has been done! We were in the middle of purchasing a truck and had to put the deposit on a credit card. We will now have to pay interest because the bank is not providing the credit as they guarantee! 

Bank if America is not following their advertised fraud guarantee and as a result has caused us further financial losses.
Product: Credit reporting, credit repair services, or other personal consumer reports

To EQUIFAX : I am tired of dealing with your lies and manipulations of peoples lives. I have filed a dispute several times with your company involving a Bankruptcy Public Record that is incorrectly reported on my Equifax credit report. The updated Equifax report as of XX/XX/2021, is still showing Bankruptcy Public Record as VEFIRIED AS ACCURATE. You state you obtained Bankruptcy Public Record Information from local, state, and federal courts through a third-party vendor, XXXX. I have included a letter from XXXX where they state they dont report bankruptcy on my consumer file. You have also listed the Agency 's contact info to be the US Bankruptcy Court. The Bankruptcy Court has both mailed me letters that emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. Please provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against your Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.
Product: Checking or savings account

I am a legal foreign resident in Texas that opened an checking account with  BBVA Compass i  n 2014,   yesterday without a reason or explanation the bank block my account and requested the bank to close completely my account without providing any reason. I have paid all my products in due time and handled the account in a proper manner. I see this bank is either acting with discrimination to the customers and providing a really bad service and does not provide any reasons and close the products.   My account cancelled wit h BBVA Compass  was  XXXX  in  XXXX   XXXX  Texas, hope you can help because they might be doing this to other customers, a disgrace for the financial system in this country, they did not wanted to provide a written explanation
Product: Credit reporting or other personal consumer reports

XXXX XXXX and the XXXX has violated my privacy and breached my personal and sensitive information through the Department of Education. The breach started XX/XX/year>.
Product: Credit card or prepaid card

Hello, I applied for the new Personal American Express Gold Card on the XXXX of XX/XX/XXXX through the website. The promotional offer that I applied with was the following : XXXX American Express Membership Rewards Points after spending {$2000.00} or more within the first 60 days of account opening. The website explicitly called out this offer and confirmed that I was approved for the card with that promotional offer. The website DID NOT call out that I was INELIGIBLE for this offer. I also satisfied all the conditions listed out on the application page to qualify for this offer ( including but not limited to " not having received the bonus on this card '' previously in my lifetime ) I received the card and started making purchases on it in order to meet the goal for the promotional offer. Between XX/XX/XXXX and XX/XX/XXXX ( 60 day period ), I spent {$3100.00} in eligible purchases towards this offer. 

In XXXX XXXX, I called Amex to inquire about the missing promotional points. At this point, I was told by the Customer service agent and her manager that I was INELIGIBLE for this offer. She confirmed that I was eligible for the offer when I applied but I was marked ineligible to receive this bonus on or around XX/XX/XXXX by the Membership Rewards team for reasons unknown. 

Upon questioning why this was not communicated to me immediately after the decision was made, she tells me that it is AMEX policy to not communicate these things out until the customer asks for it.

To be clear, this " rejection '' decision was not communicated to me proactively in any form until I explicitly asked for it. Amex was perfectly happy to let me spend money while knowing all this while that they weren't going to honor my promotional offer.

They offered to open a support case to investigate this and have NOT gotten back to me in over 2 months with any resolution.

Problem 1 : Incredibly misleading advertising of the promotional offer and its eligibility conditions on the credit card application page and refusal to honor the offer that I was explicitly approved with Problem 2 : Shady business practice of silently refusing to honor the offer and not proactively communicating a decision that would actively affect my spend with them.

For context, I've been a customer of Amex for 8 years now with a perfect track record of paying bills and I've been treated like dirt in this case.
Product: Mortgage

Flagstar Bank, who had my Mortgage for a long time, Did not pay my Escrow on lleaving me with a shortage wich resulted in a higher mortgage payment from company they sold my loan to, which is Mr.Cooper loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in reference to XXXX account number XXXX. This account does not belong to me. I do not remember applying for this card. If this account is accurate why is it only reporting in Equifax? 

The year this account opens is very suspicious to me. I would like to know from the application to transactions made in this account. I need to know how my identity is compromised for someone to open to the account without my knowledge. 

This account was just brought to my attention because of the high balance reported that prevented me from qualifying for a mortgage. I have written to the FTC and disputed this account with Equifax before and came out to be fully verified. 

This account is preventing me from buying a house and it would make a huge difference if you are able to eliminate it from my record. I would like to stress that the fact that the information currently being reported is inaccurate and therefore needs to be removed from my credit report.
Product: Checking or savings account

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX DC XXXX Subject : Complaint Regarding Overdraft Fees and Locked Card Policy by Bank of America Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Bank of America regarding a policy that allows payments to be posted even when a debit card is locked, resulting in overdraft fees. This practice has affected not only my accounts but, as I understand, has also been a significant issue for minority business owners disproportionately impacted by such fees. 
Account Details : Bank Name : Bank of America Account Number : [ Your Account Number ] ( Please omit or redact for security ) Incident Dates : [ Specific dates of the incidents ] Description of the Issue : On several occasions, despite having my debit card locked ( a feature offered by the bank for security purposes ), transactions were allowed to be processed, leading to my account being overdrawn. These instances resulted in overdraft fees being charged to my account despite my preventive measures to lock the card and avoid such situations. This indicates a systemic issue within Bank of America 's transaction processing and account management policies. 
I have attempted to resolve this matter directly with Bank of America through their customer service department. However, the responses could have been better, with no proper explanation or rectification of the charges provided. The persistence of this issue, alongside the historical context of Bank of America 's handling of overdraft fees, especially concerning minority business owners, raises serious concerns about the fairness and integrity of the bank 's practices. 
Request for Investigation : I urge the Consumer Financial Protection Bureau to thoroughly investigate this matter, focusing on my accounts and similar accounts that may have been adversely affected by Bank of America 's policies regarding locked cards and overdraft fees. It is crucial to ascertain the extent of this issue and ensure appropriate corrective measures are taken to prevent future occurrences. Moreover, investigating whether these practices disproportionately affect minority business owners would be critical in safeguarding the rights and interests of vulnerable customer segments. 
I am willing to provide further details and documentation as required to support this complaint. I look forward to your prompt response and action on this matter. 
Thank you for your attention to this issue and ongoing efforts to protect consumers.
Product: Debt collection

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ), I am disputing the following collection account that appears on my credit report : Collection Agency Name : XXXX  Account Number : XXXX Amount : {$350.00} Account Date : XX/XX/year> I do not recognize this account and believe it was placed on my credit report without proper authorization
Product: Money transfer, virtual currency, or money service

Hi, First I am scared, frustrated and XXXX XXXX on the issues I am having today with Coinbase.

My account was compromised and {$7500.00} was taken from my bank account and transferred to Coinbase. I tried to get into my account and I couldn't because my old phone number not sure how but it was still on the website. I called up Coinbase and their customer service is non-existent and it is automated messages to say your account was compromised and no real customer service. Their emails are just automated messages to shut you up and " try '' to help.

I had to text my old number embarrassingly for the code. Once I got in, there was no money and everything seemed to be wiped clean. There was no transactions on the account and I couldn't do a thing. 

So, I filed a claim with XXXX and they sent my complaint out. After a few days I got a reversal of {$7500.00}. I thought great my money is back and it's solved. One day later, Coinbase emailed me and said I owed them {$7500.00} I'M AT THE BREAKING POINT, THERE IS NO ONE TO CALL ON COINBASE AND I'M JUST FRUSTRATED. I BEG OF YOU TO PLEASE HELP ME. 

I have all the documentation and I just want to talk to someone at coinbase. I just get endless lies of a " specialist '' coming to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I went through a time of fore bearance with my mortgage with Quicken Loans/Rocket Mortgage. I was told by them that I would have to check in periodically, which I did and that I would not need to make any payments and there would be no payments demanded during this time. I was able to start making regular mortgage payments starting last XXXX and have been on-time/current ever since. I was told by the people that processed the loan modification after the fore bearance that I would have to have twelve consecutive months of not missing or being late on my mortgage payments and then I could re-finance at that time ( XXXX of this year ). I found out yesterday that Rocket Mortgage/Quicken Loans reported me 60 days delinquent on XX/XX/XXXX and then 150 days late on XX/XX/XXXX. I called to speak with them regarding this today and was told by their representative in the account resolution team that I missed some check-ins with them during that time of forebearance and so they were required to report it that way to the credit bureau XXXX All the time, every month I would check in they would tell me that they understood and that nothing will impact my credit, not to make any payments until they were able to get the loan modification completed. They did the remodification in XXXX of last year and I started making payments the first of XXXX and faithfully on time without fail ever since. This now locks me in to stay in this loan with Rocket for three years according to what I was told by another lender who was looking into the possibility of refinance and getting some equity to pay off some debt/make some home improvements. I feel they were not operating in any integrity and now just want to keep me locked into their mortgage for three years without me having any options. There have been several calls from representatives of Rocket/Quicken to try and get me all set up for refinance with taking out equity in XXXX of this year and now I find out that it will be XXXX of XXXX before I can refinance based on this error in their reporting against what they instructed me to do and said would happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 TRANSUNION took it upon themselves to remove my 4 year perfect history account from my credit report! This account is still active and SHOULD HAVE NEVER BEEN REMOVED! My score dropped. So TRANSUNION needs to do their jobs and fix this ASAP and make sure my score gets brought back to where it belongs. Account XXXX XXXX XXXX XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

XXXX  Account # XXXX has violated my rights.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Status Closed. {$770.00} written off. 

Account Name XXXX XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Status Account charged off. {$760.00} written off. {$530.00} past due as of XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX Status Paid, Closed. {$660.00} written off. 

Account Name XXXX XXXX XXXX Account Number XXXX Status Account charged off. {$640.00} written off. 

Account Name XXXX  Account Number XXXX Status CLOSED 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 an 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 and 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.
Product: Checking or savings account

I opened my checking account at US Bank, but the initial opening deposit of {$25.00} was unsuccessful. Before account was frozen, I also deposited {$25000.00} into the account. However, US bank froze my account, so I was no longer able to access my money in the account, transfer money out or close the account. 

US bank simply took away my $ XXXX and walked away. I've spent almost 20 hours trying to going to different bank branches in person, talking with bankers and branch managers, emailing and calling customer services, but nobody really helped. Everyone just said they were not able to do anything, please reach out to someone else. 
I was even told that my account was in the automatic process of being closed, account would be completely closed on XX/XX/XXXX with the $ XXXX balance mailed to me by check. However, nothing happened and the account is still Open and Frozen. 

It has been the worst worst worst bank experience I have ever had. None of the local branch, bankers, branch managers, customer services representatives helped me, the only thing they could do is to ask me to reach out to someone else. Now my money of $ XXXX is frozen in the account, and nobody is able to close my account and get my money back. 
US Bank is cheating customers by lying to customers that account was already being closed, also cheating customers by forfeiting customers ' funds which are in urgent need to use. 

I need this money in the account super urgently because I need it in hour purchase. If US Bank is delaying my house purchase in the hot market, please compensate for all my loss. 

WORST bank ever!!!!
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXXXXXX XXXX BALANCED {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some inconsistencies with my report. There are multiple tradelines/credit lines open and in good standing for me but they are not reflected on my credit report for XXXX. The account i'd like to self-report is with Florida XXXX and XXXX company, account number XXXX which i have shown positive payments. This account is reflecting on my experian report but not currently reporting on my XXXX  or equifax reports.
Product: Debt collection

Cease and Desist with this Debt Collector for violating the FCRA Laws. Also inaccurately reporting a collections account with a balance is a direct violation of Federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
XXXX  XXXX XXXX balanced {$3000.00}
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
Account Name : I C SYSTEM Account XXXX Please remove it from my credit report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLIANCE. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Debt collection

In XX/XX/XXXX my 24 month interest free promotional was coming to an end. I paid the remaining balance of that promotion on XX/XX/XXXX in the amount of {$3800.00}. On the next bill I verified that amount was posted. However on XX/XX/XXXX 's statement they reversed the payment and added the 24months of deferred interest ( {$2900.00} ) to the account. I have tried to resolve several times.
Product: Payday loan, title loan, or personal loan

They loaned me XXXX and started a savings you can unlock after you pay off the XXXX and XXXX in the savings I didnt realize they were charging me XXXX annul percentage interest on the full XXXX not just the XXXX they loaned when I asked them if they could just pay off the loan with the money I never received they refused their newest solution is I pay my next payment and let my account go 30 days past due and then they will close it