23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I've tried to purchase groceries on the following dates. 
XX/XX/year> XX/XX/year> XX/XX/year> My cards would always have difficulties at the cashier. Both credit and debit. 
Today, XX/XX/XXXX, I was unable to use both cards even after responding to the suspicious activity text. It took multiple more attempts to finally get the card to work at the cashier. I attempted to call Bank of America on my way back from the store at around XXXX CT, and I was on hold over XXXX minutes and was hung up on as soon as I was picked up by a customer service representative.

The automated system had no mechanism for being put back into the queue from where I was. There was no effort to call me back or confirm that my problems weren't solve in the split-second I was connected to someone.

They also have no way to report a complaint through this automated system.

As I am typing this, I am still on hold waiting to reach a customer service representative.

Bank of America is clearly making no clear effort to be reachable. These automated systems provide no remedy when Bank of America has failed their obligations to the customers. There needs to be a way to speak to a person that can actually assist with these problems. If I could describe the problem to a person in a few minutes, it would take that long to diagnose and resolve the problem.

Why are both of my cards being declined at my preferred grocery store?

Why does it take an hour or more to have a problem resolved that could impact my ability to purchase groceries?

Why is Bank of America allowed to continue this pattern without consequence?

If I was still at the store, the food in my cart will have been outside of a freezer for over an hour before I am able to reach Bank of America to resolve my card issue.

This is unacceptable. Banks that are unreachable for this long should be held accountable, potentially even to a class-action lawsuit. I will gladly take part in one, should one be started.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage with XXXX on XX/XX/19 and they were required to do ( 1 ) inquiry. When I spoke to the supervisor they had already done ( 7 ) inquiries via XXXX which lowered my score 9 points. I spoke to the manager : XXXX XXXX Sales Manager XXXX XXXX XXXX XXXX Office : XXXX XXXX XXXX XXXX And was advised I would receive a letter and/or evidence these inquiries would be removed from all three of my credit reports and to date I cant get a call back after several voicemails and emails or a letter. Im also frustrated that everytime I speak to my consultant : XXXX XXXX Home Mortgage Consultant NMLSR ID XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX, NC XXXX XXXX XXXX Tel XXXX Ext. XXXX | Fax XXXX who initiated my loan for me and has done his part and has submitted it to a processor has to keep saying I will follow up to see why the processor has not reached out. This alleged processor who is going to call me to move my loan through the process. To date I have yet to even obtain a pre-approval to shop for a home or hear from a processor. 

I keep getting told someone will call you.. and no one is doing nothing. The loan is not moving on the tracker and at this point I just want all inquiries related to this mortgage removed and the application cancelled.. For a bank this size this snale mail tactic is not very efficient for a consumer. 

I want the excessive inquiries removed immediately from all three credit agencies as only ( 1 ) was authorized not ( 7 ).
Product: Credit card or prepaid card

I have contacted CitiBank numerous times by phone calls, letters, emails and portal secure messages regarding a disputed charge. 
Despite repeated responses of [ Well get back to you soon ], they have never responded which I suspect is in violation of regulations. 
I called Citibank on XX/XX/2018 since they had again apparently ignored my letter including options I offered them e.g. cancelling my account & refunding annual fee ). My phone notes : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XX/XX/2018 XXXX XXXX : XXXX? 
CitiBank - Partition Magic chargeback error Can't waive annual fee : I'll get a {$99.00} statement credit if I spend {$99.00} in first month. Dispute resolution team said they didn't get letter until XX/XX/18 and want 7-10 business days to either call me or send me a letter regarding the resolution. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Even though the agent, while I was on the phone, dialoged with the Dispute Resolution Team and confirmed they received the letter on XX/XX/2018, they still never responded as they ( again ) said they would. 
Since they refused to refund the annual fee, we started using the card again after 2 months to take advantage of benefits we had now paid for. 

I thought I would again attempt to resolve this matter with the help of the Consumer Financial Protection Bureau. 

Note : I originally attempted to file this complaint on consumerfinance.gov last year after I had prepared my latest letter to Citibank, but ran into obstacles on the website ( you'll note such references in the letter ). After many hours of putting that letter together, I just didn't have in in me to spend yet more time trying to overcome the technical obstacles of filing the complaint on consumerfinance.gov. I suspect it was the 10MB file size limit and the original pdf is almost 15MB. I have since purchased software that allowed me to shrink the original pdf and attach it to this complaint.
Product: Credit reporting or other personal consumer reports

I am writing to address an issue concerning an account listed on my credit report. The account in question, XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX Account XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX, has been a subject of dispute due to discrepancies and unresolved issues. Specifically, there are inaccuracies in the reported information. Despite previous attempts to resolve these discrepancies directly with your company, the issues remain unresolved. I am formally requesting a thorough investigation into the validity and accuracy of the reported information. Please provide confirmation of receipt of this correspondence and advise on the next steps to resolve this matter.
Product: Money transfer, virtual currency, or money service

Subject : Formal Complaint Against Cash App ( Block , Inc. ) To Whom It May Concern, I am filing a formal complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App has failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process has been both unfair and deceptive, as they have not complied with the error resolution requirements outlined under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.

As a result of these failures, I have experienced significant inconvenience and financial loss. I am requesting appropriate redress and resolution for these violations. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX XXXX XXXX / account # - XXXX / {$640.00} XXXX XXXX XXXX XXXX account # - / {$2100.00} XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX  )/ account # - XXXX / {$68.00} XXXX  XXXX account # XXXX / {$1100.00} XXXX XXXX XXXX XXXX account # - XXXX / {$2200.00} XXXX XXXX XXXX  XXXX XXXX account # - {$18.00}
Product: Checking or savings account

I have a checking account with Capital One. I was supposed to recieve my direct deposit on XX/XX/XXXX and I am still waiting for it. I saw in the news that I am not the only person having problems with direct deposits. They send an email saying that everything was going to be fixed in the next morning and its Friday, XX/XX/XXXX ( the next day ) and I still dont have my money in my account. I called to the customer service and they never get my call. I send a message through the social media website X and I never recieved any answer.
Product: Debt collection

On XXXX XXXX 2015 I received a settlement offer letter from XXXX XXXX in regards to my car loan debt. I reached a settlement offer and they emailed me a settlement letter to be paid by XXXX XXXX. I called them on XXXX XXXX, 2015 and paid the full settlement offer with my debit card and it cleared my bank. Then on XXXX XXXX, 2015 I received another email from XXXX XXXX acknowledging that my settlement was paid in full and they would be reporting to the credit bureaus. By XXXX XXXX, 2015 my credit report was hit by XXXX XXXX showing the my debt was " Closed '' and " Paid ''. On XXXX XXXX, 2015 I received a phone call from a third party debt collector named XXXX XXXX XXXX stating that XXXX XXXX sold my debt to them and they were trying to collect my old settled out account. XXXX XXXX XXXX did not show I had made any payment. I forwarded on my settlement offer and paid in full letter I received from XXXX to prove that I had in fact paid and settled out that account a month before they even sold it off. I then called XXXX XXXX to clear this up. The rep with XXXX did show on my account it had been paid and closed in full and they do n't know what happened and why it got sold after the fact. They said they would get it taken care of. Then today, XXXX XXXX, 2015 XXXX XXXX XXXX calls me back trying to collect the debt once again. I explain my situation again and they then acknowledge they received my emailed letters showing I made a payment and that they did try to reach out to XXXX XXXX about my account and they still had not heard back from XXXX I then called XXXX again on XXXX XXXX, 2015 to double check on my account status and to let them know I am still getting calls from their third party company they sold my account to. They advised me again that they were going to get this taken care of and would reach out to the third party collector in regards to my account. They again verified that yes my account was settled and paid in full and this Third Party collector should not be trying to collect from me. I am filling out this complaint because after going through all the legal and proper steps to reach a settlement, pay off settlement, and my credit report being hit for closed and paid status shows how XXXX has not abided under the Fair Debt Collection Practices Act.
Product: Debt collection

i ask why their is adverse effects on my account .That made my account go higher than I expected in the beginning of the insurance policy. My policy went from XXXX to XXXX dollars in one month. I asked the reason and never got any response from company or any statement with how it added to XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Asked the companies to share the info they had on theses reports and have not had any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I initiated a dispute. About negative information/ errors on my credit report. XXXX failed to provide me with the information I requested. As a result of not receiving the original signed credit application for the debt, the cashed checks used for bill payment or original billing statements XXXX allowed the debt collector ( s ) to post a alleged balance/debt as " past due ''. 
( See attached ) Midland Collection agency has no original creditor ( s ) noted on my report and this company appears multiple times. 
The debt collector XXXX has NO CONTACT INFORMATION '' listed on the report no phone number only a po box address. 
This is unfair to the consumer because one can not even contact the debt collector. So, I wonder if I the consumer could not contact the credit .how did experian contact them if at all. This could be the reason experian allowed the debt collector to continue posting this alleged debt on my credit report ( see attached )
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. 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
Product: Vehicle loan or lease

I have contacted contacted Kia Finance through their customer care number regarding disaster relief assistance due to the devastating California wildfires in XXXX XXXX. Unfortunately, my experience has been extremely frustrating. I called multiple times since the beginning of the fires, and each time, the customer service agents led me in circles without providing any real help. I specifically requested to speak with a supervisor, and I was repeatedly left on hold for over 30 minutes. When the agents returned, they claimed I did not qualify for assistance because the address on file does not match the designated fire zone areas. I clearly explained that I do not work from home and my job completely burned down in the fires, and I fail to understand how my listed address impacts my eligibility for relief. Furthermore, when I finally spoke to a supervisor, who was both unhelpful and rude, I was told that I would need to make two additional payments to qualify for a payment deferral. This approach makes absolutely no sense given the circumstances I am facing. At no point did I receive any empathy or support for my situation. When I requested identifying information so I could file a formal complaint, the supervisor rudely informed me that such information is private. He only provided his first name, XXXX, and dismissed my concerns, stating that it would not matter if I made a complaint since he is the one who handles them. This experience has been entirely unacceptable, and I expect a proper resolution and acknowledgment of the distress I am currently enduring.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a dispute taken off of my credit report for original creditor  XXXX  with  XXXX   XXXX   XXXX  in the amount of {$1400.00}. It was taken off sometime between  XXXX   XXXX ,  2017 . Within the last 5 days, it was put back in my credit report after it was disputed and removed.   XXXX  I was told once taken off of your credit report, it can not be reinserted. If the item is reinserted then the credit bureaus have to provide you with a notice. The notice has to be in writing and it must be sent to you within  5 bus iness days after the item has been reinserted.   XXXX  This has not happened.
Product: Debt collection

I recently was alerted to stated debt by Midland Credit Management by XXXX and XXXX posted to my reports dated XX/XX/2020 when my identity theft case is complete and readily accessible : XXXX. 

Public and widely known and accessible fact that isnt being upheld by the debt collection firm.
Product: Credit reporting or other personal consumer reports

While checking my credit report I noticed some unauthorized and unverified hard inquiries and late payments on my XXXX, XXXX and XXXX credit report, I have tried to dispute them but was asked to provide an FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information on the entry for the XXXX account is incorrect. This account had been reflecting on Experian for the last 5 years a Payment Status of " Paid '', and " Payment Status Details '' of " paid, was charge off ''. It also was reflecting a {$0.00} Balance Due of {$0.00} ( " - '' ) and Past Due of {$0.00} " - '' ). The " Status Updated '' date reflected a date of XX/XX/XXXX. I also received a XXXX in XX/XX/XXXX for the same account and recently requested another copy of the same XXXX. In early XX/XX/XXXX I tried to get my mortgage refinanced and my Experian credit report was updated approximately 4 days later by XXXX to reflect an older " Status Updated '' date of XX/XX/XXXX. In addition the XXXX entry reflected a Status of " Charge off '' with a " Payment Status '' of " PAST DUE ", a P '' ayment Status Details '' of " PAST DUE '' amount '' of {$16000.00} and a " Balance '' of {$16000.00}. My Credit Score also dropped over XXXX Points and prevented me from refinancing my mortgage. I immediately sent a credit dispute letter to Experian indicating my Credit Report information was incorrect and out dated ( i.e. the older " Status Updated Date '' changed from XX/XX/XXXX with the correct information to a " Status Updated '' date of XX/XX/XXXX with INCORRECT information. However, this dispute to Experian resulted in no change to my credit report. I then called XXXX directly and was forwarded to multiple departments and managers none of which were willing to correct my report or acknowledge it was wrong. They directed me back to the Credit Reporting agency ( Experian for resolution ) I sent another dispute to Experian with copies of the '' before '' and " after '' credit reports ( with one copy of the recent incorrect report and multiple copies of the correct report from that had been reflecting correctly for the last 5 years ) and a copy of the XXXX issued back in XX/XX/XXXX but got the same result. No correction updates to my Experian report for  the XXXX account. This information remains out of date and incorrect. This incorrect and out date report has prevented me from refinancing my mortgage, increased my insurance rates and preventing me from getting preferred credit in other situations. Please Help me either get this XXXX entry either deleted or updated back to XXXX out balances and past due amount. This entry is now one month from being 6 years old and had been reflecting positively with a Paid Status, was charge off and XXXX past due for 5 years.
Product: Credit card or prepaid card

On XX/XX/2018, I paid my minimum balance of {$90.00} on my credit card. At that time, I had a live chat with a representative of that company, I also have a promotional balance of {$920.00} on this account. It is due to expire on XX/XX/2018. I asked if I could pay {$300.00} on that balance, he said yes I could, but then he sent me a message saying they couldnt guarantee that it would be applied correctly. I was appalled by this response. I told him I would not pay online, but that I would pay by mail with a letter attached. Please see following copy of letter : XX/XX/2018 My Best Buy Visa Card XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX : XXXX XXXX XXXX Credit Card No. XXXX XXXX XXXX XXXX PROMOTIONAL BALANCE OF {$920.00} To whom it may concern, Please find enclosed my check number XXXX in the amount of {$300.00}. This {$300.00} is to be applied to the promotional balance of {$920.00} ONLY. 
These funds are in no way to be applied to any other balance, but the promotional balance. 

Again, Check # XXXX in the amount of {$300.00} is to be applied to the promotional balance of {$920.00} ONLY. These funds are not to be applied to any other balance under this credit card number. 
If these funds are applied to the incorrect balance, I will take the matter up with the proper authorities. 

Sincerely, XXXX XXXX XXXX XXXX also made that notation on my check. I repeated this request no less than 3 times in the letter and it is noted on my check twice. They have cashed my check, and nothing was applied to the promotional balance. I feel as if this a scam and that they are trying their best to make me pay interest on a balance that was to be interest free. I sent them another message today and the only response I have received is that they are reviewing. I can not believe that they havent applied this check in the correct manner. Is there anything you can do to assist me? I have a couple of additional payments that need to be applied and I really do not want to have to do this each time I make a payment.
Product: Debt collection

This company has called me to my previous work number constantly throughout the work day. As well as stated they where handing my debt to an attorney and constantly call throughout the day. I have received no letter in the mail regarding the debt and I've only received harassing phone calls constantly throughout my workday from different phone numbers, as well as them putting on my credit report that they are handing my debt to an attorney.
Product: Credit card or prepaid card

I belong to the XXXX, referred to attorney XXXX XXXX to represent me on a neighbours ' ongoing harassment, including their lawsuit for XXXX on false basis after received a cease/desist letter by XXXX on my behalf. XX/XX/XXXX XXXX XXXX said : " Your response is sufficient to have the complaint dismissed, but I'd like to appear on your behalf to make a request for your costs and attorney 's fees, and after that I'll file a separate motion for the ongoing harassment, and you need to open a REFUNDABLE trust account in the amount of {$7500.00}. to be kept in that balance to the conclusion of your case. You'll be billed in the amnt of $ XXXX for all services monthly and separately. '' XXXX defected, showed up late, did not do what he promised and I insisted that he put me on the stand to support my case and refute additional false allegations, judge took judicial notice on my responses and supporting evidences and ruled in my favor dismissed the XXXX against me. XXXX disappeared with my {$7500.00}. On XX/XX/XXXX last email directed him to refund the credit card, he did not, and I filed a dispute with the citibank. 
The citibank discriminated and failed to follow the correct procedures and refused to apply the conditional credit as they're trying to collect this charge while investigating!
Product: Debt collection

I am writing to express my extreme dissatisfaction with the handling of a fraudulent account that has been erroneously associated with my credit report. Despite being a loyal XXXX customer for over 10 years with current account, this fraudulent account continues to appear on my credit history, causing significant damage to my credit score. 

I have submitted the requested fraud documentation four times since 2021. Each time, I have received confirmation that the account was not mine and would be removed from my credit report. However, the issue persists. 

I request your immediate attention to this matter. Please investigate and permanently remove the fraudulent account from my credit report. If this issue is not resolved promptly, I will be forced to seek legal counsel and pursue appropriate action to address the damages caused by this error. 

Thank you for your time and attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act. and violation of 15 US Code 1692e ( 2 ) ( a ) - the character amount or legal status of any debt. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.