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

Several years ago I took back my maiden name of XXXX XXXX. I went to the bank with my court documents and a new card was sent to me with the correct name. The statements still had my former name of XXXX XXXX. I called, I was told to go to a branch. I went, it still was the same. This was not the biggest deal to me, but a year later, I did need a valid bank statement, so I called again, I was again directed to a branch. I went in. I was told it was then fixed. Last week I found out I was DENIED my PPP loan for my business because my bank statement was incorrect. I am now marked as a fraud risk. I called and BEGGED for someone to fix it. A woman who finally seemed to care told me that the department that needed to fix it was closed for the night, but it would be done the next day. It is STILL not done. I have gone in several times and the statements I need from last year STILL all say XXXX XXXX. I do not feel anyone has done anything and now there are no funds left for the PPP. I am beyond upset. I do not know why in this time of bank security my name would not be REQUIRED to be accurate.
Product: Credit card

Attention : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, Barclays XXXX XXXX [ last name undisclosed ] Dear XXXX XXXX [ last name undisclosed ], Thank you for your letter of XX/XX/2024. 

Unfortunately, contrary to your belief, the issue remains unresolved. 

I kindly ask once again that you please explain why/ how Barclays pays a merchant XXXX amount and charges its client a higher amount? 

Such is the fundamental question underlying the dispute at hand. 

It may be more expeditious to have a conversation with you or another Barclays representative. I have left multiple messages at the number included in your letters with no response to date. I would most sincerely appreciate a return call. 

As repeated before, I am very interested in resolving this dispute and ensuring that my health insurance coverage is not placed at risk. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

My credit card with Discover was closed on XX/XX/22 with no warning. I noticed on XX/XX/22 when a credit report indicated my score dropped due to a closed account. I verified it was the Discover account via their website on XX/XX/22 and called their support phone number. They did not provide me further information and could not reopen my account or explain why they closed my account. They noted they might be able to reopen the account if it was less than 30 days. Which is hard to realize with 0 notice.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the list below has violated my federally protected 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions! 15 USC 1681c. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years! 15 USC. 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, credit repair services, or other personal consumer reports

I have some concerns, USBank Wealth Management product offered, secured against my own cash, and using the elite product offered, after 1 month of use I suffered from a 95pt credit loss. Looks like the liquid assets line of credit, had posted. Its reported as other vs equity line or remarks for adding secured Is there anything the bank could do to work on how it reports?

1. Liquid assets presentation 2. The loan policy on the product 3. Signed liquid assets line of credit agreement 4. Benefits Brochure of the product there have been multiple clients, 2 clients also that have this locally.
Product: Money transfer, virtual currency, or money service

Northern Trust Bank resigned as Trustee of my trust over a year ago in XX/XX/XXXX. Since then I have been looking for a successor trustee who meets all the qualifications stated in Trust. I have now found one, XXXX, who meets the standards in the trust to be the successor trustee. The trust document states on page 11, Article VII, that the trust can be moved by a majority of the grantor 's and grantor 's spouse living children, of which there are five. I have three of the five required signatures, which constitute the majority ( see attached trust document ). Yet on XX/XX/XXXX I received a letter from the trust administrator, XXXX XXXX, stating they will not honor the wording of the trust, but rather had made-up their own " standard '' which consisted of me getting all five signatures. THIS " standard '' IS NOT STATED ANYWHERE IN THE TRUST DOCUMENT. I have not had a trustee in over a year and they are blocking me from transferring my trust by not complying with the trust document and adding their own made-up standards. This is malicious conduct in bad faith. XXXX XXXX even admits it in his letter to me ( attached ). He admits I am right about what the trust states, but said they are choosing to apply their own made-up standard for transferring it rather than complying with the letter of the trust document.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have call Equifax at least 10 times regarding the collections on my credit report all three collections listed are wrong and should be taken off my report. Each time I am speaking to someone overseas who can barely speak English. They ask you questions that you can not understand then they advise they can not verify your identity. I had one rep state he was writing my social down. Which is definitely not safe and now I am told I need to fax in personal information to verify who i am. So I take the chance to verify who I am. I have faxed information into Equifax 18 times each time receiving a confirmation. Yet I am still told my information can not be found. I am also being sent emails by their member.benefits.com center saying they have sent my information to another email address which i do not have another email address. But they are charging my credit card the monthly fee for a membership that states status failed on the original email they sent me which includes a note saying they were sending my information somewhere else.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc . ) Due to inadequate customer service and unfair practices, which violated the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These Actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I have been a reasonable, valuable, long-time CapitalOne ( multiple ) cardmember for many years. CapitalOne is now charging excessive past due fees and annual membership fees. I called today to request removal of a {$37.00} past due fee ( I missed the payment Sunday ) for the minimum payment due of {$37.00} on my card ending in XXXX. I made a double payment ( {$74.00} ) a couple of days later. 

Despite the ongoing COVID-19 pandemic, which has resulted in my being out of work since XXXX, I have tried to keep my card payments current. CapitalOne boldly and visibly claims to offer " relief '', but here I've asked for some small measure, and been denied. The truth is that their available " relief '' does not stop finance charges, and will eventually result in a card being over limit anyway, further damaging one 's credit score. 

Further, I also requested that the {$59.00} annual fee be waived ; that is an excessive fee for a card with such a low credit limit. 

I was initially connected to an overseas call center ( which is another problem - USA-based customer should never be sent to overseas call centers!! ), then requested a " Tier 2 '' supervisor. He told me that fee credits now are all " system generated '' ; i.e., supervisors no longer have any discretion. That is a convenient excuse to resolve them of any possible responsibility to assist their customers.
Product: Credit card

On XX/XX/2023 I submitted a balance transfer through XXXX XXXX ( card # ending XXXX ) to pay off a portion of my balance with XXXX XXXX XXXX ( XXXX XXXX ). The balance transfer was instead sent to Barclay card services with my XXXX XXXX account number - XXXX for {$2200.00}. It's unclear if I entered the wrong info or what happened, but that acct does not exist with Barclays. I contacted XXXX XXXX who submitted the balance transfer, and they said Barclays needs to do a payment inquiry and return the money. Barclays said they have no way to locate the payment and XXXX XXXX should be assisting with this. XXXX XXXX said they do not have the option to stop payment for balance transfers and my request to have it returned has been declined because there was no bank error in processing. My XXXX XXXX case number is XXXX submitted. The manager I spoke with at Barclays card services was XXXX in resolutions- XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute of Unauthorized Inquiries - Fraudulent Activities on Experian Credit Report I am disputing several unauthorized inquiries on my Experian credit report, which I believe to be the result of fraudulent activities. The following inquiries, conducted without my consent, are causing significant concern and potential damage to my creditworthiness XXXX XXXX Inquiry Date : XX/XX/2022 XXXX XXXX  Inquiry Date : XX/XX/2022 XXXX XXXX  Inquiry Date : XX/XX/2022 XXXX XXXX XXXX  Inquiry Date : XX/XX/2022 XXXX XXXX XXXX  Inquiry Date : XX/XX/2022 XXXX XXXXXXXX Inquiry Date : XX/XX/2022 XXXX  XXXX Inquiry Date : XX/XX/2022 XXXX Inquiry Date : XX/XX/2022 XXXX Inquiry Date : XX/XX/2022 XXXX Inquiry Date : XX/XX/2022 XXXX XXXX  Inquiry Date : XX/XX/2022 XXXX XXXX Inquiry Date : XX/XX/2022 XXXX XXXX Inquiry Date : XX/XX/2022 XXXX XXXX Inquiry Date : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2022 XXXX XXXX XXXX Inquiry Date : XX/XX/2022 XXXX Inquiry Date : XX/XX/2022 XXXX XXXX XXXX Date : XX/XX/2022 I am confident that the inquiries in question were not authorized by me and their presence on my credit report is both inequitable and detrimental. Being wronged by fraudulent activity, I implore Experian to conduct a thorough investigation of these inquiries and expeditiously remove them from my credit report. 

I humbly request that Experian ensures the accuracy and validity of my credit history through prompt elimination of these sham inquiries. Their removal is essential in protecting my financial health, reputation, credibility, as well as barricading any adverse impacts on my fiscal status. 

It would be highly appreciated if you could acknowledge receipt upon completion of investigation ; furthermore keep me up-to-date with regards to any headway or supplementary information required during dispute resolution process. 

Thank you for your unwavering collaboration and support while striving to swiftly address this malicious activity. 

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

Bank of the West has been double charging for my use of a debit card to withdraw from a NON BOW ATM during the month of XX/XX/XXXX. I understand that I may be charged by a fee for withdrawal of cash from the non bank atm by the owner of the atm and also I understand that Bank of the West will charge {$2.00} for using a NON BOW ATM. What I do not understand is that Bank of the West has charged for balance inquiries on top of the withdrawal service charge in effect doubling the cost per transaction to {$5.00}. I have no need to use a NON BOW ATM for balance inquiries as I have a BOW telephone app that provides access to my account for free. Also Bank of the West does not list any of the alleged balance inquiries on my statement but merely stated a Service charge fee that is double what it should have been. My XX/XX/XXXX statement shows 11 withdrawals from a Non bank Atm. Therefore the Service charge should have been a total of {$27.00} and not {$55.00}. The bank responded by stating that the addition fees where for balance inquiries providing me a list of dates that inquiries were made twice. They have not provided me more detailed information as to the times that such inquiries were made or if they were made at the same time as the withdrawals. Furthermore I see that balance inquires on four occasions were made twice on days that money was not withdrawn from the Non bank Atm. The bank has so far declined to credit bank to my account for the {$27.00} overcharge.
Product: Checking or savings account

no savings statment for XXXX  months then accounts locked now account recovery unit supposed to be XXXX days but its been a week
Product: Debt collection

In 2017, I was renting an apartment from XXXX XXXX. I was never delinquent on payments and I vacated the premises upon completion of the lease. Upon vacating, I requested a walk-through and was told the premises was in a satisfactory condition. XXXX never notified me of any additional monies owed. Approximately a year later, I was contacted by XXXX after I submitted a request for the reimbursement of my security deposit. XXXX declined. I immediately notified them that I disputed any monies owed and that they could seek judicial intervention in small claims. Specifically, I advised that I was officially negating their allegations of any debt owed and that they need to pursue litigation without allowing interest from the alleged debt to accrue. Almost 6 years later, I learned from XXXX that a third party had acquired the debt collection. I was never notified by mail or otherwise that I would be sent to collections. I vehemently deny any debt owed and also affirmatively assert that their failure to notify me of any debt or transfer of debt has unduly prejudiced me by denying me due process.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no XXXX party involved. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a couple of disputes with Experian that come back with the statement " verified as correct '', but those same disputes have agreed with me, and been deleted from my report. One of the disputes is 12 years old but because a new collector picked it up, it was deemed " verified as accurate ''. I provided proof that I was on XXXX at the time and was not even supposed to get a bill.
Product: Checking or savings account

On XX/XX/2020, there were a sudden amount of withdrawals from my account through Citibank through XXXX. I received a text alert and an email requesting if I had authorized these and did in fact respond saying " No. '' Then all of the funds in both my checking and savings account were wiped out. I contact Citibank and they made me feel as though it was in my error that this occurred and having opened up an investigation but I am unable to support myself with no amount of funds since they state it can take up to 10 days to investigate this issue. XXXX was removed from my account without a phone call from Citibank and then I went into the bank today only to be told- they could not assist in any fashion. I am protected under the Electronic Funds transfer act and they should protect me from such occurrences.
Product: Checking or savings account

On XX/XX/XXXX I went into my local bank to deposit my loan check of {$1000.00}. I also had {$250.00} cash I wanted to deposit into my account. The bank teller took my endorsed check and proceed to deposit it. She then took my cash and add it to this transaction. The next morning XX/XX/XXXX Tuesday went onto my online bank account and notice only my {$250.00} cash was deposited. I tried to call my local bank multiple times and it was no answer. So I proceeded to go up the branch to speak with someone in person. Two tellers tried to help me, but informed me it was nothing they can do and they would have to wait until the teller that made this error come in for the day. They also told me that they have already shipped out the check for the day so they were unable to scan the check why I was there. Later on that day I got a call from one of the tellers asking me to send a copy of my check receipt. I sent the receipt which included the total amount and check number. I also received a call from the teller that made the error and she apologized and told me that she contacted the facility that receives there check. She said she submitted a request to escalate this and they should receive the check by the end of the day and I will be credited real soon. Wed XX/XX/XXXX I checked my account and I didnt see any pending funds. So I called the local branch 4 times no answer. I then called customer service to speak with someone in corporate. I was transferred to there escalation team. They noted my account that they will investigate and told me they just heard about my case that day. They gave me a direct number to their team and that was it no further assistance with actually credited my account. Thursday XX/XX/XXXX I called the direct number twice no answer. Later that day I got a call from someone from the escalation team saying she was just assigned to my case and she is starting her investigation that day. I told her that this is unacceptable that 3 people have told me that they are investigating I just want my money now. She told me its nothing they can do now they will do their research. Today is Friday XX/XX/XXXX my money is still not in my account. I called the escalation team again and another just told me I have to be patient. I have been very patient. I called the local branch a few times no answer. I call one more time and connected with the teller that made the error. She apologized again and said the facility with the checks said they may can credit my account Monday of next week. But she confirmed she is not sure if they found my check yet. The lack of communication from branch for any updates is unacceptable. I had to call a millions times to even speak with someone and this problem is still not resolved. The was not professional on chase end and they did not follow procedure correctly. All of this and I still do not have my funds. Not happy.
Product: Credit card or prepaid card

So I funded my cash app card with XXXX dollars. On XXXX that was to be able to place an order for delivery with XXXX. I went to place the order and it declined the transaction.and I believe also cleared my cart. So I went back to cashapp and the money was gone. I contacted customer support they said it was XXXX. And I went round and round until.finally a lady at XXXX corporate said she found the transaction said it was a ghost order. And that they were releasing the funds and it was up to cashapp to get the money back to me..so I go round and round with cashapp. They finally admit that it was them who had a glitch in their system.that paid merchants for transactions but didn't remove the money from my acct.. I never had any extra money in my account.and furthermore.i think it's highly unfair and maybe not even legal to them weeks later without notifying me to just take money earmarked for groceries. They denied it first and could have told me the truth because it has happened to many ppl according to walmart.who has tried to help their customers affected by this glitch even going to far as to have a three way conference call with XXXX cash app and the customer.but cashapp quit answering calls that included XXXX. They could have told me and shown me where the money wasn't received by them but instead they just decided to lie and be sneaky and I'm not having it. They have now taken around {$140.00} from me in the past few days.and the odd thing is that somehow my account is in the negative XXXX dollars and some change. If they can do that they could have posted a negative {$140.00} dollar balance.sent me an email called me or something..but back to the point is I don't recall my account having more money than it should have. It's crazy. It's also not my problem if you had a glitch and didn't take your money that is a you problem. If I preform a service for someone and refuse payment or say i got paid.and then try to go back 2 or three weeks later and say btw you owe me x dollars That ain't gon na fly..I know you guys have just finished litigation with cashapps parent company over their lackadaisical approach to fraud and other criminal enterprises. I don't think they learned anything. I would appreciate any insight, advise, input, intervention, or help of any kind you can offer. I'm not the only one experiencing this. Oh and also though cashapp knew they had a glitch they encouraged I guess one could say for me to dispute the charge with XXXX. There was no recorded transaction with XXXX. They did have that XXXX something dollar amount held. Anyway it's quite confusing and if someone would like to set up a time to speak over the phone so I can disambiguate and articulate myself to where it's easier to understand what has transpired I would welcome that.my number is XXXX thank you for your time.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions