23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Dates and Etc are all most rough estimates. I will include the exact dates when I have them. Estimated dates will include a ~ to be exact. 

XXXX : Placed a loan application with Upgrade. 
XX/XX/2021 : I received an email asking me to update my loan application with two most recent paystubs and consecutive paystubs. I was also asked to appoint my payoffs on the loan through this. 
XXXX : I uploaded documents above that were requested. I appointed my payoffs and tried to indicate that I wanted a current Upgrade loan to be paid off but their system does not allow you to choose to get this paid off. They make you manually pay it off after the loan is dispersed which is quite alarming when they allow this for all external lenders. 
XX/XX/2021 : I called Upgrade ~5 times this particular day at XXXX - XXXX - XXXX. I received 3 to 4 different answers. I was told I needed to now upload bank statements to verify my income. I was told that my application was being received. I was told that I hadn't uploaded documents. I was told we needed to call my bank. So many different things no one was consistent. 
XXXX : I gave up and decided to be nice to myself and show myself some love. 
XX/XX/2021 : I uploaded more documentation which was 1 bank statement which is what I found out I needed. Mind you I had to call and find all this stuff out on my own this lender did nothing to even alert me a bank statement was needed. 
XX/XX/2021 : On this call I was told because my XX/XX/2021 paystub didn't reflect on the bank statement they couldn't accept my bank statements. Yet there were two payroll deposits on the bank statement from XXXX XXXX, their underwriting model is a checkbox and they are not allowed to think out of the box. I felt as though I was being accused of committing fraud. 
XX/XX/2021 : I was told that all the documentation was received and that the manager said the file would be looked at again today because I provided yet more documentation. 
XX/XX/2021 : I received an email that I needed to call within 3 days to answer a couple of questions. So I called. 
XX/XX/2021 : I called Upgrade and once again given the run around. Now all of a sudden their asking for a W2, I informed them of this CFPB complaint being filed. I was sent to verifications where they said I needed to provide a W2. Then the manager gets on the phone and gets rid of the W2 requirement but fails short when she doesn't know how to overcome the additional bank statement and implies indirectly that I am committing fraud I feel. 

Overall this experience from XX/XX/2021 to today has been horrible. I want to refinance out of a loan which as a customer of theirs shows that Upgrade has XXXX XXXX and no customer loyalty. This isn't the second loan I am taking out from them and will never use them again. This bank got an investment of $ XXXX and they do not allow their underwriters to use common sense. As a credit risk and lending professional for the past 20 years this is horrible.
Product: Debt collection

I received a letter in the mail from XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating that they are debt XXXX contacting me to collect a debt with XXXX XXXX from XX/XX/2023. Multiple personal details on the notice are incorrect, including the license plate number, which does not belong to me. I did XXXX XXXX on XXXX XXXX on the date in question, and there is no record of any money owed to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Prepaid card

I got a letter stating that I put a stop payment on an account from XX/XX/XXXX to XX/XX/XXXX. That was in my name I didn't open a account with BofA till XXXX so someone at that bank had an account open and was withdrawing money without my consent I have a letter stating that is from BofA. Then XXXXne of the bank representatives told me about consequential harm and damages I knew nothing of this untill she said
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have a loan with XXXX/XXXX. I have always made my payments on time. For some reason, I realized that there was a 30-day late payment on my credit report and I do not believe I was late on the dates they are reporting. This account should not be showing the current status of 30 day late since it's already been paid for. It seems impossible to accrue late on an account that has already been paid. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please investigate this illogical status. Otherwise, CORRECT this account ASAP. 

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

Inaccurate information listed on my consumer report
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

I have multiple IRA High Yield CDs that keep renewing. I can not get anyone on the phone ( wait times are hours long ) or on chats ( the bots do not understand my request or they say the wait times are 30-60 minutes when they are even longer than that ). When I try to close the account and request distributions, the website says this can not be processed at this time. I should be able to close my accounts without penalty because I am getting only 1.5 % on some of my money and it KEEPS renewing. They keep saying the customer service is swamped which is probably true, but my finances are being affected by their under hiring. Additionally sometimes when I call, the calls just hang up on me after a certain period of time. This is unacceptable for a bank or any trusted financial institution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XX/XX/year> Notice of Intent to Sue for Unauthorized Sharing of Nonpublic Information Dear, Destiny Card I am writing to formally notify you of my intention to pursue legal action against you for the unauthorized sharing of nonpublic information that belongs to me. It has come to my attention that you have disclosed sensitive information without my consent, which is a violation of our agreement and could have significant repercussions. 

The specific information in question includes [ describe the nonpublic information ], which was shared with XXXX XXXX XXXX XXXX. This disclosure has not only breached our trust but has also caused potential harm to my personal and professional interests. 

I request that you cease any further dissemination of my nonpublic information immediately and provide a written/email acknowledgment of this request Failure to comply may compel me to take further legal action to protect my rights and seek damages for any harm caused. 

Please consider this letter as a serious matter. I hope we can resolve this issue amicably. However, I am prepared to take all necessary legal steps to protect my interests. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Hi, I was just on the phone with the fraud team from XXXX XXXXXXXX XXXX XXXX  and they told me this fraud account shall be deleted from my credit report. I spoke to the manager and he said they can not dispute this account because they don't have on the system. 
I was just informed by them that I have the right to request this fraud account for deletion as fraud and I would like to exercise that right.
Product: Debt collection

I have called and spoke with the creditor on more occasion advising them that this is a fraudulent account. I have asked them to please remove from my credit report. I have also filed a report with the FTC and had to send a motorized letter to them with a copy of FTC report. XXXX XXXX has still refused to remove this account from my name and record.
Product: Credit reporting or other personal consumer reports

FCRA 605B stipulates the necessity to eradicate any flawed accounts from my credit report. Could you please assess the documents? Several listed accounts display inaccuracies in reporting, such as incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX : {$1500.00} ; XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX DEPTEDXXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a student loan with XXXX XXXX which is in deferment. Transunion shows me having a missed payment for XXXX as well as an increase in the amount which is outstanding on my loan. 1st ( first ), per the government as well as President Trump ALL payments for outstanding student loans did not have to be paid until XX/XX/2020. I contacted XXXX XXXX and they stated nothing was reported from them. When I contacted Transunion they acted as if they could not see the change. Then the representative acted as if they could not understand English and stated he's in the XXXX. When I asked for a manager I was placed on hold for 2 and 1/2 hours without the call be answered.
Product: Credit card or prepaid card

I have a >XXXX  FICO score, no derogatory marks, and applied for a Capital One Savor Credit Card on XX/XX/19. I was rejected. I later received a letter stating it was because I applied to too many credit cards. 

I received a mailing on XX/XX/19 with a special pre-approved offer for a Capital One Venture card. Since I had just been denied the Savor, I called Capital One on XX/XX/19 to verify that this was in fact a pre-approval offer, as nothing had changed in my credit history in last few months, so there is no reason a pre-approval should be denied. The customer service representative took my Reservation # and Access Code for the offer, and verified that it was in fact a pre-approval offer. I said thank you, and that I would apply online. 

I then applied online and was rejected. I can say with confidence, as I monitor my credit every 7 days, that nothing in my credit report has changed, and I haven't applied to any new credit cards in the last several months -- the window in which this pre-approval would have been generated. I spoke with a manager in their customer service department, who said this preapproval would have been generated by a screen sent within the last 2 months. He said there was no way to reconsider my application, or reverse the hard credit check. 

I feel that I was baited into having an unnecessary credit pull on all 3 major credit monitoring agencies, thereby negatively affecting my credit. This is irresponsible and predatory behavior. It would be one thing if my credit situation had changed. The fact that it had not, and my credit remained top tier at the time of application, is evidence that their " pre-approval '' claim is deceitful and fraudulent. The application terms also say nothing about having applied to too many credit cards being disqualifying.
Product: Checking or savings account

Im super frustrated. My name is XXXX XXXX. My citi bank account closed on XX/XX/2020. But i havent received my full balance untill I complaint to cfpb to get my money back. Recently citi bank emailed me saying they will refund my money back. I only receive {$12000.00}. But Im still missing {$8800.00}. I called state to know if they receive any fund with my name from citi bank. But they never receive anything neither me. Im so XXXX. Im totally broken and citi bank is harassing me a lot. Im so sad and mentally disturbed by their actions. They closed my account with out giving any notice and still I dont know the reason for closing my account. I need rest of money back. Every time I call customer service they dont help me. Even I went to the bank and they are not helping me either. Im seeing XXXX XXXX for this reason. And I tried to XXXX XXXX  so many times because Im XXXX XXXX XXXX because of citi bank and their harassment. They XXXX XXXX me.. I need my refund please I need to pay my rent and college. Please help Me to get my money back from citi bank.. I still need {$8800.00} which citi bank never gave me. I have complaint before to cfpb to get my money. And they only refund me some Portions not everything. 

And my citi bank card number is XXXX
Product: Checking or savings account

Bank of America froze my account to only be able to receive deposits on XX/XX/year>. 
They did not send an alert. They did not send an email. They did not call. They let no one know they just froze the account. Then when I go to move funds I'm unable to and they putting me through the wringer to get my funds dispersed. When the funds are legitimate and there is absolutely no reason for them to have put my account in credit only status. Now my payroll will bounce and I'll be forced to wire and charged {$60.00} a week to run payroll for having to submit a wire. This is absolute scam. 

XXXX XXXX confirmed multiple times they
Product: Credit card or prepaid card

On or about XX/XX/XXXX I purchased what was advertised as a oxygen concentrator. Once received I notified the merchant I did not want it because of it being substandard. It is not a medical device the manufacture stated it was past the 30 days and I could not return the device. I in turn notified Capital One and XXXX and disputed the charge of {$360.00} the whole dispute has so far taken over 5 months to get it resolved. XXXX said they were no longer involved it is now between the merchant and Capital One. They took the charge off when I disputed the money and put it back on my account around the first week in XXXX. I called and told them I still dispute the charge so for the 3rd time I had to submit documentation that the merchant would not work with me to take the merchandise back. I have also filed a complaint with the Federal Trade Commission on XXXX and XXXX. Recieved a some what nasty email from XXXX about the FTC complaint.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX XXXX in XX/XX/XXXX that was financed through Santander Consumer USA , Inc for a 72 month term. My original payoff date was supposed to be XX/XX/XXXX but during the length of the loan I have had to request 3 payment extensions due to financial issues and I was told each time that I made the extension request that each extension adds 2 months to the end of my loan, which means 6 months should have been added to the end of my loan. Since my original maturity date was XX/XX/XXXX adding six months to that should have meant that my loan should have been done XX/XX/XXXX. But my complaint is about XX/XX/XXXX, on this date I requested my third extension and on the recorded phone call the representative told me that my new maturity date would be XX/XX/XXXX if I wasn't late on any payments and since XX/XX/XXXX I have not been late on a payment. However, when I made my payment in XX/XX/XXXX my maturity date has been extended to XX/XX/XXXX with a payoff amount of {$5600.00}. If I continue to make my contract payments of {$430.00} to payoff this {$5600.00} I will be paying for this car until XXXX because Santander extends the maturity date until the loan is paid which mean I'll be paying for this car 8 years and this car is not worth it. I have reached out to this company through other complaint correspondence but all I receive is a generic response about my interest rate and when I signed the contract agreement but no one is investigating the call in question and offering a solution to this dispute.
Product: Checking or savings account

DCU does not provide customer support for people that are trying to reach their debt collection department. I have tried to call them on XXXX different days after I found that my debit card was not working. It is absurd to me that I dont have access to my money and there is nobody I can speak with to have an issue with my account resolved. They should be held accountable for not providing customer service while people are trying to manage their money. XXXX business days and I have had no success in reaching the collections department by telephone. They failed to respond to my emails. I believe DCU is lending in bad faith.
Product: Credit reporting or other personal consumer reports

First of all this is a third party trying to collect for another company I have all ready told than Im a victim of identity theft but still thay report to credit company that I woke than and Ive disputed many times
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/23, I was shopping for a car at XXXX XXXX XXXX XXXX MT. As we were looking at cars they collected some information and I would have purchased a car if they would have given me a fair price on my trade in. Regardless, I did not buy a car and I did not give them permission to run my credit. When I got home I was alerted by Experian that they ran my credit. 
I do not think that this should be legal which is why I am contacting you. I tried to contact them and see why they did this but they would not answer the phone. 

Auto Inquiry XXXX XXXX XXXX XXXX XXXX got a copy of your Experian Credit Report. 

Financial Today XXXX XXXX XXXX XXXX XXXX made an Auto Inquiry by checking your Experian Credit File . When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. 

Source : Experian Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, MT XXXX XXXX : ( XXXX ) XXXX
Product: Checking or savings account

On XX/XX/XXXX, I logged into my XXXX credit monitoring account, in response to an email alert that I received on XX/XX/XXXX. XXXX showed that a new account had been opened using my information with Capital One 360 on XX/XX/XXXX. XXXX Screenshot of alert attached. ) I contacted Capital One 360 on XX/XX/XXXX at around XXXX XXXX  Eastern, and they confirmed that an account had been opened for a minor, and that my SSN had been associated with the adult co-signer on that account. Because all of the other personal information was not mine, they said that most likely there was an input error of my SSN, which is a reasonable possibility. They told me that they closed the account immediately and will reach out to the customer to get updated SSN and identity verification. All of that is reasonable. 

My complaint is that I have had long-term security freezes XXXX since XXXX XXXX on my credit reports with XXXX, XXXX  and XXXX  due to a prior identity theft. Capital One 360 opened an account using my SSN, even though the security freezes were on my account. Capital One 360 would not tell me their process for verifying information before opening new accounts, but the fact that they made the error in opening the account suggests that they either did not check with the credit reporting agencies to ensure that my credit was not frozen, or they ignored the fraud alerts/freezes when opening the account. 

I will be glad to provide further identifying information if needed, but because I do not have a Capital One 360 account number, and because the customer account was not opened using my address, I am unable to provide that information requested by the CFPB. I have, however, attached a document that includes the last 4 digits of my SSN.
Product: Credit reporting or other personal consumer reports

After reviewing my credit reports, I noticed a collection with XXXX XXXX XXXX XXXX XXXX XXXX I do not have any contractual agreement in place or do I know who this collection company is I requested that validation from all three credit bureaus XXXX and Transunion. XXXX investigated the account in question and removed it from my credit file. I then sent a copy of the investigation results to XXXX and Transunion. Under the FCRA all bureau must be reported the same. If credit bureau to be in accurate, then all bureau must do the same, XXXX and Transunion has refused to remove the account has not provided any proof that I had a contractual agreement with this Collection agency
Product: Consumer Loan

Again have n't answered my question.. 
Are you connected to Banko Santander that failed the Federal Reserve stress test? 
Are you the company that lost a class action suit for repossessing american soldiers autos when they were XXXX? 
Are you the company who lost a class action suit in regard to securities? I have made a XX/XX/XXXX payment for monthly payment partial payment and late fees ... please applt appropiatly ie ... DO Not apply partial /late fees to interest want to know how many loan companies you have in U.S.A .
Product: Credit reporting or other personal consumer reports

This morning, I noticed unauthorized inquiries appearing on my credit report, and I have no idea why. I checked my credit report as usual, but this time there were unexpected discrepancies. I tried refreshing my browser, hoping it was just a glitch, but the unauthorized inquiries remained. Because of this issue, I request that the documents I've sent be thoroughly reviewed so I can stop worrying about this.