23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX correctly reported my credit card balance of {$180.00} to my credit card to all three credit bureaus ; however, on XX/XX/XXXX they decided to change the balance for the Equifax report to a balance of {$1500.00}. This balance was correct prior to XX/XX/XXXX when I made a significant payment to bring it down ; however, my statement closing date on this credit card is XX/XX/XXXX and such the balance should have reflected {$180.00}. I instantly disputed it with Equifax and my dispute results were ready on XXXX XXXX stating that XXXX says the {$1500.00} balance is correct. I then started to compile my proof and fill out and certify mail XXXX their own dispute form and my proof of their error. I then headed to the local bank on XXXX and XXXX XXXX XXXX XXXX I spoke with a teller that got on the phone with XXXX XXXX from the disputes department. I was hoping by going to the bank that I would at least be able to fax the form over to them to expedite the process ; however, XXXX stated that when I made my payment on XX/XX/XXXX that they are going with the balance previous to that date. That no mistake was made. I confronted the teller with the fact that they reported it correctly at first and that I have no issues with their reporting to XXXX and XXXX. I was told that those are different bureaus. I also told them that it isn't normal for XXXX to report on XX/XX/XXXX the correct amount and to change it a couple days later to a balance prior to XX/XX/XXXX when the balance should reflect the statement date. I was told to call XXXX XXXX myself at ( XXXX ) XXXX ext. XXXX. This number isn't a working number and because he was the one conveying the information to the teller and it didn't go well, I didn't see the point in trying any further. Not to mention that he works in the dispute department. I am entitled to a fair and accurate credit report. I am not asking for anything out of the ordinary ; however, I feel that XXXX is mocking me in their handling of this issue by trying to make this issue seem normal when it clearly isn't. I wouldn't be surprised if they change the reporting with the other two bureaus to make this seem completely fine. I am frustrated. I have a fantastic relationship with XXXX. I want to stay a customer of this credit union, but I need a solution and not tellers and bankers that refuse to see their errors and to just justify mistakes that cost me a chunk off my credit score.
Product: Mortgage

Mortgage contract between myself ( buyer ) and seller had a closing date of XXXX XXXX. I got the CD on XXXX XXXX. There is a 3 working day waiting period. We were waiting on approval from lender on mortgage. The loan was cleared for closing today XXXX XXXX by lender. Attorney is stating we have to wait for 3 working day waiting period due to correction to the CD by attorney to lender. Attorney stated we have to wait 3 working days and then 3 working days for closing to occur. This will put us outside the 10 working day grace period for the loan to close based on contract. As the buyer I do n't want to be held liable for the fees and cost incurred by not having the loan ready and seller backing out or extending the closing to new year. Can we close on the loan at anytime going forward? Do I have to wait for the attorney to set closing date? I get the impression that the attorney and realtor agents are stalling the closing to the cut off date. This will allow the seller to default and all cost and fees will be the responsibility of me ( buyer ). What are my rights as the buyer?
Product: Credit card

On XX/XX/2023, I requested a credit card payment adjustment of {$1500.00} and {$1700.00} in which I would get both those amounts back to my original payment method and I would have to pay off the XXXX amounts again. 

On XX/XX/2023, the adjustment was accepted and I was charged {$1500.00} and {$1700.00} again on my credit card ( which is what is supposed to happen ). 

The problem is that I did not get that amount back to my original payment method. 

I have contacted Bank of America over and over since then and even visited their branch stores, but they are not able to help me. They even closed my case without a resolution.
Product: Credit card or prepaid card

Hi- I am writing to express my disappointment and frustration regarding my recent hotel reservation through XXXX  XXXX. I had made a reservation for hotel ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX, US ) from XX/XX/XXXX XX/XX/XXXX with confirmation XXXX, and to my surprise upon arrival at the hotel on XX/XX/XXXX, I found out that my reservation was canceled without any prior notification from XXXX XXXXXXXX. 

I was looking forward to this trip with my family and had made all the necessary travel arrangements, based on the reservation that I had made through XXXX XXXXXXXX. The sudden cancellation of my reservation has caused a significant inconvenience to me and my family. I was on the phone with XXXX XXXXXXXX customer service for over 35 minutes and unable to get any help other than putting me on hold multiple times. I had to make alternate arrangements at the last minute while sitting in the hotel lobby that cost ( $ $ ) me more than my original reservation. 

What is more concerning is that I did not receive any communication from XXXX XXXX regarding the cancellation of my reservation. I had to find out about it when I arrived at the hotel. This is completely unacceptable and unprofessional on your part, and it has left a negative impression on me regarding XXXX XXXXXXXX Travel. 

I would appreciate it if you could investigate this matter and provide me with a reasonable explanation for the cancellation of my reservation without any prior notification. Additionally, I would appreciate it if you could provide me with suitable compensation for the inconvenience and stress that this has caused me and my family. 

I hope that you take my complaint seriously and take appropriate action to ensure that this kind of situation does not happen again in the future. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Customer
Product: Checking or savings account

I do a weekly transaction update on my accounts in case I see any activity not authorized by me. I recently discovered a charge on my account of one hundred and six dollar from a phone repair XXXX  at the mall I contacted Webster Bank to inform them of the issue and to let them know I did not authorized this transaction nor did I initiated the transaction. Of course they asked me if I have my card in my possession etc.. I stated yes I did, I was at the mall and purchased some pretzels.They closed out the card and sent me a new one. Fast forward, today XX/XX/2021 I contacted them to check on the status of my dispute. They told me my claim was denied. I asked them what informations was used to determine this. I insisted I did not authorize this. I am not going to waste my time to call my bank to dispute a transaction I made. I have a checking and a saving with this bank. I closed my Savings account with them today and will be closing my checking soon too. 

I have a savings account with XXXX XXXX and wanted to give Webster Bank a chance but I was not happy with their service. I asked them to reopen the dispute and the representative tells me I have to send them an email as he can not transfer me to the dispute department. XXXX # XXXX. At this point it doesn't even matter if they refund it or not. I closed out the saving over the phone and hopefully the representative processed it. My checking will be closed by the end of this month.
Product: Credit card

I mistakenly made transfer of {$1400.00} from my Bank of America Account into my credit card on XX/XX/2023 instead of transfer to my hubby 's account in other to settle our bills. My hubby notified me the next day that he did not receive the money I transferred. That when I realized my mistake. I made a call to BOA XXXX times that they release the excess cash back to my account and I went to XXXX of the branches here in Texas to log complaints. 

The calls ( XXXX times on XX/XX/2023 ) and visit ( on XX/XX/2023 ) to the branch ( the located on XXXX, XXXX TEXAS ) did not provide me solution, but conflicting resolutions times : two days, five days or ten days respectively. Another option is for me to take advance of {$200.00} and charges of 5 %. And nothing has been done. I decided to start spending the money since the excess of {$990.00} was in my credit card, because my spouse had to provide for the another way. 

I went to the grocery store and my transaction was declined today, XX/XX/2023, and I called support to log my compliant about the transaction, but the support told me that I can not spend more than {$500.00} credit limit within the billing cycle.
Product: Vehicle loan or lease

I moved from XXXX XXXX to XXXX, went to XXXX DMV to transfer my vehicle tags and registration and was informed to fill out a " Request For Title From Leinholder/Leasing Company '' which I did and was originally faxed on XX/XX/2019. A few weeks later as my temporary tags are about to expire, I realize my request still hasn't been processed and make multiple calls to Key Bank for details. I'm constantly being told the request is still in processing and end up having to pay for a second temporary tag because what was supposed to be a 3 week process, still has no end date. As the second temporary tags neared their expiration date, I began calling customer service more frequently wondering what was causing the delay. During one of these calls, I was told the hold up was XXXX DMV lost the title. It's now XX/XX/2019 and I still haven't had my request processed, I'm now on my 3rd and final temporary tag. I was told the process would have been completed no later than XX/XX/2019 via XXXX from customer service, but that date has long passed with no resolution. I was asked to fax a second request in order to have a fresh one on file, so faxed the form again on XX/XX/2019. On XX/XX/XXXX I spoke with XXXX and was informed they had everything needed to process request and I would take 20 days. XX/XX/2019 I contact Key Bank and speak with XXXX. XXXX states they sent numerous emails to XXXX DMV and they have not responded, he also suggested I call XXXX DMV and provided me with the phone number. I immediately call XXXX  DMV and the woman I spoke with told me they don't hold liens on titles and if Key Bank lost the title they can send a request for a duplicate which takes 4 weeks. She also looked the vehicle up in the system and said there is no record of Key Bank ever requesting for a title. I now proceed to call Key Bank back, they refused to let me speak to XXXX, but transferred me to XXXX who tried to give me the same " in processing '' story. On XX/XX/XXXX my temporary tags will expire and I will be unable to drive a vehicle I'm currently making payment on due to the negligence of Key Bank not fulfilling a request that should have only taken 3 weeks and currently about to go into it's 6th month with no end in sight.
Product: Checking or savings account

Bank of America commit fraud by applying processing and posting transactions in a manner that benefits the organization only. Bank of America has charged me over {$2000.00} in fees since the opening of my accounts. Bank of America has used my credit for capital gains and has denied me several services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first contacted XXXX XXXX  to ask about one of there credit cards base on my credit they instructed me to go on line in fill out an application they also told me they would not attempt to make a inquiry from the three credit bureaus about credit worthiness intel I was sure I what the card. After that I got an alert from Experian indicating me that my credit sore drop 39 point I WAS COMPLETY OUT DONE. I've had many inquiry before car loan, personal loans, ect. Yet never has my credit score drop 39 points, in addition I never gave XXXXXXXX XXXX consent to pull my credit. I fill strongly deceive by both XXXX XXXX, as well as Experian. I tried reaching to Experian to there supervisor XXXX XXXX via email but he has never replied. I talk with XXXX XXXX they told me that they would have Experian remove the inquiry immediately. Yet they have not I'm asking CFPB to have Experian to remove this enquiry off of my credit report Now. I can be reach at XXXX XXXX XXXX or via email, XXXX Thanking you in advance XXXX XXXX.
Product: Money transfer, virtual currency, or money service

i reported multiple ccharges to cash app as fraud over the last 2 years they have dont nothing about it i have not received a refund or explaniation
Product: Credit card or prepaid card

Capital One has fraudulently obtained my nonpublic personal information and using it to defame my character for it's own financial gain. I have never opened up any account with this company and do now have any knowledge how Capital One obtained my nonpublic personal information. The only communication Capital One has made with me is through unauthorized contact to coerce collection of a debt that I do not own or owe.
Product: Debt collection

I would like to file a complaint against Collection Agency, Patenaude & Felix , A.P.C., as this company has violated the Fair Debt Collection Practices Act ( FDCPA ), Section 807 ( 2 ) ( a ) " The false representation of - the character, amount, or legal status of any debt. '' The last verbal affirmation of this debt and attempt to collect payment was made XX/XX/XXXX at approximately XXXX ( PST ) by a Patenaude & Felix , A.P.C representative via phone. The company also attempted to contact me via phone on XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX, I was contacted by Patenaude & Felix , A.P.C., regarding a debt with XXXX XXXX Credit Card Company, Communication was written form, as well as verbal communication via phone. I was repeatedly contacted and advised that I owed this debt and needed to make payment arrangements with Patenaude & Felix to  pay the balance of XXXX. In XX/XX/XXXX, I was afraid of being sued, so I agreed to start paying on the debt. However, upon consulting with a credit repair company, I was provided with a copy of my XXXX Credit report, which reflects that XXXX XXXX reported that this debt was discharged in bankruptcy ( Page 3 of uploaded documents ). Upon further review of this same credit report, XXXX   reports that Patenaude & Felix, A.P.C accessed my XXXX credit report on XX/XX/XXXX and two different times on XX/XX/XXXX, making it evident that Patenaude & Felix, A.P.C was aware that this debt had been reported by XXXX XXXX as " discharged in bankruptcy '', yet the company continuously violated Section 807 ( 2 ) ( a ) of the Fair Debt Collection Practices Act by fraudulently misrepresenting the status of the debt, in an effort to obtain payment. In using the internet to research this company, I found many incidents of complaints, due to racial profiling and  unethical collection tactics toward individuals XXXX XXXX, which also leads me to believe that these continuous effort to collect a debt, reported by the original creditor as " discharged in bankruptcy '' may have also been racially motivated.
Product: Mortgage

Complaint against " Loancare '' and servicer " XXXX XXXX. '' They will not send updated terms and agreement for loan modification. Request updated morgage filed XXXX and documents as requested over phone. Loan care excuse " our computers haven't updated. '' They continue to send old statements with old balance and interest rate. Asking for help and recovery of attorney fees. Homeowner are veterans.
Product: Credit reporting, credit repair services, or other personal consumer reports

The number of terms listed on my credit report for account XXXX ( XXXX ) is inaccurate as XXXX and TransUnion data is not consistent across each credit bureau.. please delete account for inaccurate reporting as this is a violation.
Product: Mortgage

I attempted to purchase a home through XXXX back in XX/XX/XXXX. The Home I tried to purchase was XXXX XXXX XXXX in XXXX , TX , XXXX. The contract was written up and never thoroughly discussed with me, even when I asked specifics from the builder rep XXXX XXXX. I asked if the earnest money I placed with him would be retained for any reason. My response from XXXX XXXX was " XXXX does not keep earnest money ''. I went ahead and went through the partnering lender XXXX has, called Advisa Mortgage. The lender XXXX XXXX started to harass me by calling at inappropriate times at night. Due to this I complained and spoke with the lenders manager, XXXX XXXX. This resolved nothing but instead created more inconsistency between the home builder XXXX and I. I received an email from XXXX XXXX, XX/XX/XXXX stating " ..a DocuSign package from XXXX XXXX , this will have several documents that are required to process you loan. Currently your rate is not locked, we need you verbal or written communication regarding which option you want to move forward with. '' I did not agree to options given to me by Advisa Mortgage.I then received the DocuSign packages from XXXX XXXX on XX/XX/XXXX & the same one XX/XX/XXXX. The XXXX XXXX documents I did not sign due to wanting to discuss contracts and options in person with lenders.This was impossible with Advisa Mortgage. Advisa Mortgage company even wrote in an email to the home builder and myself on XX/XX/XXXX and said " Just keeping everyone in the loop, we are on track to close XX/XX/XXXX per the XXXX closing report '' .Communication with Advisa was completely unethical, the manager XXXX XXXX had approved a loan I did not agree to on XX/XX/XXXX. This created a " Default '' for me with XXXX home builder. XXXX sales rep XXXX XXXX failed to return any of my calls and did not reply until XX/XX/XXXX via email stating " XXXX XXXX is cancelling your contract and retaining your earnest money due to non-performance and default of contract ''. No specific action was explained to me as to why I defaulted. I still have no resolution for the evident inconsistency by XXXX and Advisa. I have attempted to communicate with both builder and Advisa Mortgage Services to come up  with a solution to our differences.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Debt collection

I had paid the debt but had not received any information saying it was paid
Product: Debt collection

Account name SECURITY CREDIT SERVICES Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$300.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$300.00} XXXX updated XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Capitol One Bank XXXX Capitol One XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The FCRA ( federal law ) says that as a consumer, you are legally allowed to challenge the validity and accuracy of these hard inquiries. And when you challenge these inquiries, it's called opening a dispute. The company pulling your credit must provide documented proof, for example a document with your signature on it, that you authorized and provided consent for the hard inquiry. If they fail to provide this documentation, then XXXX, XXXX, and XXXX must remove these inquiries from your credit report.
Product: Credit reporting or other personal consumer reports

i recently checked my credit report and saw accounts reporting that I DO NOT recognize.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX @ XXXX this person cashapped me {$500.00}, which I was expecting because we were in a group, she gifted me my {$500.00} as expected along with others. Then on XXXX XXXX I received a notice from Cashapp that stated they were refunding the {$500.00} that was gifted to me over 2 months ago because she filed a dispute. Why? When I received this noticed I contacted my bank XX/XX/XXXX after work about XXXX, I left a message with the customer service explaining the situation, it was late and they were closed but she will put a note in and they will return my call tomorrow morning XX/XX/XXXX, by then cashapp had already started deducting my {$500.00} from my bank account. I tried contacting cashapp as the bank had ask me along with unlinking my bank information until I find out what was going on. Cashapp does not have a number to call for customer service but in their terms and conditions they do. I tried calling all of the different numbers but to no avail, no one answers, one automatically hangs up with a beeping sound, and one talks about military loans and things etc., So I found an email option, I emailed cashapp ( XX/XX/XXXX ) and ask them if they can give me some clarity to what was going on and why they took {$500.00} from my banking account? I then received an email from cashapp stating my account is closed. Also stating after reviewing my transfers of funds they stated I was in violation of their terms. I don't understand that also, I did nothing illegal to have my account closed, I also have {$130.00} in there that now I don't have access to or can't get. I'm confused about this whole cashapp situation and would like for my {$500.00} to be returned because I did not steal it! And would also like to have access to my remaining money in my cashapp account. Cashapp did not contact me at all about anything, ( you would think they would if they said it was a dispute, a dispute consist of more than 1 person ). This transaction ( gift as stated in the memo ) took place over 2 months ago and for them to think it is ok to go into someone account and take their money with no communication whatsoever, and then close your account keeping the money that is in there!! I will be waiting to hear from cashapp so I know how to proceed with this situation. Thank you
Product: Credit card

Amex is stating that the amount is correct because of taxes. I already explained to them that the company charged my card for more tickets and I only used 5 tickets and they charged for me 13 tickets. I already informed the merchant and they said they cant refund me. I have already filed a police report due the fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested a copy of my credit report and I still have not received the report. I am also unable to create an account through Experian to request a report or a dispute because the information showing on my credit report is so inaccurate that I can not give correct information and create an account. I have left 4 messages on their phone system for a phone call and no call has been returned. I was denied a mortgage loan due to the inaccurate information on my report. XXXX has contacted the lenders and provided me with a copy of all items that are not mine that are reporting on my report. The addresses on my report are not mine either as well as the birthdate. This was discovered the first of XXXX and the file attached was provided the first of XXXX.
Product: Debt collection

On XX/XX/23 unknown collection from XXXX in the amount of {$2700.00} appeared on my credit report