23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear Consumer Financial Protection Bureau, I am filing a formal complaint against US Bank regarding discriminatory treatment by a customer service representative, ongoing issues with my US Bank XXXX credit card, and general poor customer service. 

Background Information - Recently, I applied for and received the US Bank XXXX credit card. As part of this process, I transferred {$100000.00} to US Bank and opened both checking and savings accounts. Despite this commitment, I have faced the following issues : Delayed Card Delivery : The credit card took over a week to arrive, which was inconvenient and disappointing.

Blocked Transactions : Regardless of whether the transactions were online or in-store and regardless of the amount, US Bank consistently declines my transactions.

I have contacted customer service numerous timesduring the day, at night, on weekdays, and weekendsto resolve this issue. Each time, I was assured that the problem was fixed, yet the next transaction was blocked again. 

Discriminatory Behavior : During a call with a representative named XXXX on XX/XX/XXXX, I was subjected to degrading and XXXX comments about my accent. XXXX also asked for unnecessary information, which I believe was unrelated to the issue at hand. Based on information from other representatives, I suspect XXXX may have left false notes on my account, further complicating the situation. 

Request for Resolution : US Bank records its customer service calls, and I urge you to review the call with XXXX on XX/XX/XXXX. His behavior was not only unprofessional but also discriminatory, which is unacceptable. Additionally, I request that the CFPB investigate the following : Why my credit card transactions continue to be declined despite assurances from US Bank. 
Whether false or misleading notes were added to my account, as suggested by other representatives. 
The overall handling of my concerns by US Bank, including their failure to resolve the issues in a timely and respectful manner. 

Impact on Me : I am a loyal customer who trusted US Bank with significant financial assets. This experience has been not only frustrating but also deeply degrading due to the discriminatory treatment I received. 

Desired Outcome : I seek : A formal apology from US Bank for the treatment I endured. 
A resolution to the ongoing credit card issues. 
Confirmation that discriminatory behavior is addressed appropriately, and that the representative involved is held accountable. 

Thank you for your attention to this matter. Please let me know if you need any additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding inaccurate and unknown items on my credit report. As of today, over 60 days later, I have not received a response yet. At this point, I feel as if my rights have been violated and I have been taken advantage of. I feel that my request regarding my disputes are being ignored. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the anxiety caused by the stress you have caused me. My information was also impacted by the Equifax Data Breach and may have been compromised and gotten into the hands of the wrong people.
Product: Credit reporting, credit repair services, or other personal consumer reports

This problem has been going on for over 8 months although I have had my mortgage since XXXX. XXXX assumed the mortgage from XXXX XXXX XXXX XXXX. 

I have spoken at length with XXXX XXXX : XXXX XXXX and XXXX XXXX regarding wanting a credit report of my mortgage history sent to Experian. I have worked hard the past two years to improve my credit. The mortgage history is important to my credit credit score. I am getting reports from XXXX, XXXX .... 

Recently, XX/XX/XXXX we learned that the credit line for XXXX was purged by Experian in XXXX. Coincidentally this is around the same time that my mortgage was remodified by XXXX. I was told by Experian to have XXXX reinsert the credit line. Promises have been made by XXXX, but it is not resolved. They have not sent a " XXXX XXXX '' to Experian which was promised by XXXX XXXX on XX/XX/XXXX. 

Today, XX/XX/XXXX, I spoke XXXX at Experian Credit Dispute department ( XXXX ) They have NOT received an update from XXXX. She assured me that it is a simple process. XXXX 's recommendation is that XXXX call them with instructions on how to use the XXXX XXXX, and that this is the fast way to reinsert my credit history. 

I have serious concerns about XXXX Mortgage XXXX. Their integrity because there are hundreds of consumer and XXXX complaints and too many are recent. I want to be confident that my property is in good hands and that my monthly payments are being applied correctly, and that this history is on my credit report with Experian and ALL credit bureaus. I have been patience not to escalate a complaint to the Ohio Attorney General or to the U.S. Attorney for an investigation. I am asking XXXX publicly and for the last time to reinsert my credit history onto Experian. The number to call is Experian Credit Dispute department ( XXXX ) Reinsert credit file onto the E-Oscar System is what I was told today. Please call Experian for how to get it done. I spoke with XXXX and she said to call and relay this information to XXXX Mortgage XXXX. I left a detailed phone message XXXX Complaint dept XXXX for XXXX XXXX and his boss XXXX XXXX that I was filing this complaint with an update, and hopefully we can all move on with our lives.
Product: Debt collection

This company is calling from a private number, calling starting a conversation as though a friend is calling, there is no information about this company being a debt collection agency. They are falsely representing themselves and calling very frequestly.
Product: Debt or credit management

Dear Chime Support Team, Good morning, My name is XXXX XXXX XXXX XXXX, and I am urgently requesting the refund of funds left in my Chime account, which was closed on XX/XX/year>. The abrupt and unethical manner in which my account was closed without prior warning has caused significant distress and hardship, particularly as I am a senior citizen relying on these funds. 

As a compliant account holder, I have provided all requested documentation and evidence to Chime to demonstrate my adherence to your policies. Despite this, my request for a refund of the remaining balance in my account has been denied without justification. 

The sequence of events is as follows : On XX/XX/year>, I alerted Chime XXXX via phone about a suspicious ACH transaction. Your representative advised me to check with my XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ). XXXX subsequently confirmed their responsibility for the error in an email communication. 
Following the closure of my account without notice on XX/XX/year>, I contacted Chime Support immediately. Initially, I was denied information regarding the closure. However, upon escalating the matter to a supervisor XXXX XXXX XXXX, I was provided with the necessary steps to address the issue. 

Ref # : XXXX The documentation requested by XXXX, Supervisor of the Chime Member Protection Team, included : Front and back copies of my drivers license. 
A bank statement from XX/XX/XXXX to the present. 
A letter from XXXX addressing their ACH error. 

I have complied with these requests and provided all required documentation. The total amount left in my closed account is {$1000.00}. 

Given the urgency and the impact of this situation, I demand the immediate refund of the remaining balance in my account. This matter has caused undue stress and financial instability, which is unacceptable and must be rectified without further delay. 

I expect a prompt resolution to this issue and a confirmation of the refund process. Should this request be ignored or further delayed, I will have no choice but to escalate this matter to the relevant regulatory authorities and seek legal recourse. 

Thank you for your immediate attention to this urgent matter. 

Sincerely, 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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX Original creditor : XXXX # XXXX, Account name : XXXX XXXX XXXX  Original creditor : XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX # XXXX, Account name : XXXX XXXX Original creditor : XXXX  # XXXX, Account name : XXXX XXXX # XXXX Original creditor XXXX XXXX XXXX, 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 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.
Product: Checking or savings account

A check I sent to a vendor was lost in the mail. I had Chase bank put a stop hold on the check. I was told no fee would be incurred on the lost check stop hold. Six years later, I'm assessed the {$4.00} fee again in my account. I'm told no fee would be incurred for a lost check, yet they still incur a fee and do it six years later?
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Experian Credit Bureau and   XXXX   Credit Bureau. These credit reporting agencies continue to engage in unfair reporting practices.     I have disputed the following accounts to no avail :  1.   XXXX   XXXX  - Account  Number  :  XXXX  ....   The creditor inaccurately reported the account as charged off when it fact it was paid directly to the company prior to being charged off. There were several inaccuracies in this reported account, and each time it was disputed, Experian and   XXXX   allowed the company to keep changing their report instead of demanding actual proof and documentation of the account. The creditor initially reported this as an installment loan - which is was not. The balance was NEVER correct. And now the creditor is reporting it as paid in a settlement, when in fact - the correct and actual balance of the account was paid. Which was less than the creditor ever reported. Each time I disputed this account, Experian and   XXXX   entered the dispute as being a " Not My Account '' dispute and then came back saying it was " verified as my account '' I knew it was my account, however the details were incorrect. I used the online method, as well as calling the bureau directly.   Because of these disputes, the creditor continued to say it was my account. At this point it is still reporting incorrectly and the creditor agreed to remove the account totally from my credit report. I am asking Experian to request the full documented history on the account instead of just electronically verifying the ownership. This account should be removed as promised.  <P/> 2.   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX , IL  XXXX  (  XXXX  )  XXXX  Account Number :  XXXX  ....   This company entered a fraudulent judgment against me for an amount I never owed. The courts verified this and the judge therefore vacated the judgment in its ' entirety. This account was supposed to removed from my credit report completely. I sent Experian and   XXXX    documentation concerning this account, including the judge 's orders and they still continue to report this account as verified as accurate. They allowed the creditor "   XXXX   XXXX   '' to continue to report this as an open and unpaid account for several months after this was resolved. I have suffered enormous damage as a result of the inaccurate reporting that Experian and   XXXX    continue to say was " verified as accurate. '' How was this verified as accurate when I sent the judge 's orders, as well as receipts from the creditors attorney - months ago. Most recently now Experian simply updated it and change the balance to  XXXX .   Experian and   XXXX   needs to request the complete history of this account, including all documentation from the attorney etc, and this will prove that the company participated in fraudulent reporting on behalf.   This derogatory account is supposed to be completely removed from my credit report.
Product: Credit card

I opened a business account with Bank of America around 5 years ago. I completely paid off the account several times, but fell behind in payments around 2 years ago. Now, the bank alternately says that 1 ) the account is open, with a credit limit which increases with my payments, or that 2 ) the account is closed, and that there is no more credit for the account in spite of monthly " offsets '' from my personal checking account. In either event, I can not use the account, so for the last 2 years the bank has been charging me $ XXXX in fees for a functionally closed account.
Product: Checking or savings account

I use a XXXX XXXX app and you guys wont let me link my bank account to it
Product: Money transfer, virtual currency, or money service

I was scammed out of {$1000.00} on XX/XX/year>. I received a job offer for a virtual position at a company called XXXX XXXX. I looked into the company, checked their website, and their XXXX connections to confirm it was legitimate. They sent me detailed information about the company and an offer via email. 

Since it was a remote position, they explained they would send me a check to cover the cost of office equipment and supplies. They instructed me to forward the money to a specific vendor to select the products I wanted. They asked me to send {$1000.00} first to ensure the transfer went through and to send a screenshot of the deposit. In hindsight, I realize this was to prove that I willingly sent them the money. 

Unfortunately, I didn't realize the scam was to get my own {$1000.00}. I thought because their check got deposited and funds were available, it was their money. My bank limits the amount I can transfer, so I had only sent the {$1000.00} so far. They then asked me to send the rest, and I explained I could not, but that I would do it the next morning. When I was still unable to send the rest, they suggested wiring it and going to XXXX XXXX or XXXX. Their persistence raised my suspicions, and I decided to call my bank to inquire if this was a scam. 

The banker had not heard of anything like that but agreed it was strange. I asked if we needed to put a hold on the account or stop the payment, but she said no and that they would do an investigation and get back to me. They never did, and by Sunday, XX/XX/XXXX, they had taken my {$1000.00}, putting my account in the negative by over {$200.00}. 

Since it was a XXXX transfer, the bank said they couldn't do much but investigate and request the funds back. In the meantime, my husband added {$1000.00} to the account to put it back in the positive. The next day, the check that they sent me caused my account to be overdrawn by more than {$1500.00}. I had asked several times if I needed to put a stop payment or if a hold would be placed on my account, and I was told no. I was informed that the check would be reversed by the end of the day when the batch cleared, but that has not happened.
Product: Mortgage

I opened a mortgage with Mr. Cooper in XXXX. I have XXXX as my policy holder for Home owners Insurance and for my XXXX XXXX policy. I have not had problems with my Home owners policy through XXXX XXXX as they are based in XXXX. However, since opening my mortgage, I have had problems with Mr. Cooper paying the incorrect company for my XXXX XXXX policy. Every year, I get a message from Mr. Cooper advising me that my XXXX XXXX policy lapsed and that they will charge me 3 times the amount to get the insurance so that my home is covered. Every year, Mr. Cooper withdraws payment from my escrow and pays the mother company ( XXXX  ) instead of the billing department, which I was advised by both XXXX & a Supervisor from Mr. Cooper, for XXXXXXXX XXXX which CLEARLY states on the bill. It has gotten to the point where I need to contact Mr. Cooper EVERY YEAR between XXXX & XXXX to ensure that the payment was actually made to XXXX XXXX. I was told the same this year that payment was made to XXXX but the agent advised that it actually was sent to XXXX, yet again! I am being charged everytime i contact XXXX because of this. Due to the fact that XXXX has to create a new policy. I have been on the phone with both XXXX and Mr. Cooper & each time, Mr. Cooper places blame on XXXX and myself. As I have explained to the " ONLY '' Supervisor who EVER contacted me back from Mr. Cooper, Both XXXX and I do not take any payment out of my escrow to pay my insurance! Out of the 4 years I have requested for a Supervisor or Manager to contact me, I've only received 1 call back from a Supervisor named XXXX. She corrected the situation and waived the {$1300.00} payment for the XXXX XXXX policy that Mr. Cooper charged me. At one point in XXXX, I was without XXXX XXXX policy for almost the whole year as I was told by an agent that someone on Mr. Cooper 's end did not indicate on notes that there was a returned check from XXXX as payment was mailed out, again, to the incorrect company. The payment was supposed to be sent to XXXX XXXX. I feel as if payment is being removed from my escrow and not being replaced for the mistakes. Every year my escrow is SHORT! As I have stated, I do not make payments to my Insurance carriers for my home. That is made and completed by the Mortgage company as the payments are withdrawn from my escrow. I am tired of having to go through this every year with Mr. Cooper. Almost every request I make to speak to a Supervisor or a Manager, i am told time and time again, One will call me back in a few days. Please have someone look into my case and review all the complaints I've made for these past few years, check to see that my escrow has been replenished with the funds made to the incorrect company, and XXXX XXXX, GIVE ME PEACE OF MIND! I have always made my Mortgage payments on time and it boggles me that my mortgage company can't pay my XXXX XXXX policy correctly! I am done and I hope and pray that Corporate takes a look at this.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX ( the Fraudsters or Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains.
Product: Credit reporting or other personal consumer reports

XX/XX/24 i sent equifax a letter in regards in a collection that is reporting currently to my credit. they ignored my request and it has been over 30 days and have yet to response to my matter at hand
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION HAS VIOLATED MY CONSUMER RIGHTS BY NOT HONORING THE FCRA THIS ( FOR PROFIT COMPANY ) HAS REMOVED AN ACCOUNT AND MADE THAT SAME ACCOUNT MAGICALLY REAPPEAR AGAINST THE FAIR CREDIT REPORTING ACT. I ALSO SPOKE WITH NOW 3 SUPERVISORS IN THE SPECIALIZED FRAUD TEAM WHO WERE NOT EXCITED TO DO THEIR JOB IN XXXX, PA XXXX, XXXX XXXX, AND ALSO XXXX. THEY BOTH SAID THAT THEY WERE SORRY WHICH THEY COULD CARELESS! AND KEPT INFORMING ME THAT THE CREDITOR IS THE REASON! IF YOU KNOW LIKE I KNOW THEN YOU WOULD KNOW THAT THE CREDIT BUREAUS HAVE TO SHOW 100 % VERIFIABLE PROOF ANYTIME THEY VERIFY AND SAY THAT A FRAUDULENT ACCOUNT IS YOURS. IF THEY DON'T PROVIDE IT THEY HAVE TO REMOVE IT! SO PLEASE XXXX XXXX EXECUTIVE VP FOR TRANUNION ALONG WITH XXXX XXXX PRESIDENT OF US INFO AT TRANSUNION.PLEASE GET BACK TO ME AND TELL ME WHY YOU ALL ARE VIOLATING MY RIGHTS AS WELL AS OTHER CONSUMER RIGHTS!
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX  : # XXXX, XXXXXXXX XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX : # XXXX, XXXX  XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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.
Product: Credit reporting or other personal consumer reports

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

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 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 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 or any adverse items 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.