23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have returned all my items I have bought from XXXX. The tracking number showed delivered for all the returns and are right here : XXXX XXXX XXXX XXXX XXXX It took XXXX forever to process the returns so I sent them an email on XX/XX/24. They replied back on XX/XX/24 that they will process the refund. Only a partial refund was given. I sent another follow up email on XX/XX/24. They replied back on XX/XX/24 saying that will will process the remainder. Then the ticket never got responded after they said they would. In the end I paid for products that is now returned back to the vendor. This is consumer theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX is reporting erroneously on Experian, XXXX and XXXX   credit bureaus.The account number is XXXX.The information is both inaccurate and incomplete.The payment history is inaccurate or incomplete.The account was closed on XX/XX/XXXX due to non-payment.The first payment missed was XX/XX/XXXX, it was 30 days late ( experian has this correct ) but XXXX was 60 days late, XX/XX/XXXX 90 days late and then closed XX/XX/XXXX.According to the facts the account is too old to report according to FCRA.The information supplied by the creditor that says otherwise is fraudulent.The date of first delinquency is XX/XX/XXXX.Re ageing it what is described above by the FCRA is prohibited and illegal. 
Upon receipt all 3 bureaus are required to delete and XXXX XXXXXXXX XXXX  should be referred to a banking regulator if need be following this complaint.I have a letter from XXXX XXXX claiming not to understand the nature of similar disputes as not being specific.I hope this complaint is specific.
Product: Debt collection

I saw online that this is a debt collection company which is fine because I am sure I owe some debt but they call every other day and they never leave a voicemail and the phone number does not allow me to call them back directly. And when I try to answer the call no one says anything or they hang up if I greet them and say hello. How can I get information or give information if all they do is call but are not willing to actually communicate!
Product: Credit card

I found a new Credit Card report on my credit. I looked into it, and a charge card/account was opened with XXXX XXXX XXXX, credited through Comenity Bank XXXX 

After receiving the alert, I called Comenity Bank and let them know that someone had used my information to open an account and I was not the one to do it. This was done on XX/XX/year>. I was asked if I ever lived in XXXX, and I have never even visited that city. I don't know if the account was opened at a physical location or through some other means. I was able to have the account closed, however it is now being reported as a late/deliquent account on my credit. The current balance is {$310.00} with a limit of {$350.00}. 

In times like these, this is a big hit to my score and has impacted my credibility. I was never informed that this amount would be due, and was under the impression that after closing the account it would be reported as false and removed from my credit report. 

Thank you.
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX, I'm unable to access my Equifax credit file online, either from their website or XXXX XXXX. I called Equifax CS XXXX and they stated that my file was " blocked '' due to a some issues with the information on it. They asked my to send proof of my identity ( driver license, W2 and/or Social Security card ) to validate and remove the " block ''. I sent a letter with all documents requested via Certified mail, they picked up the letter from their XXXX XXXX XXXX XX/XX/XXXX and I called on XX/XX/XXXX to see the status, the company 's rep confirmed that the " blocked '' was removed but I'm unable to see my file. When I'm doing my login to the Equifax.com, I received a popup message with the code : XXXX 
The problem is that my creditors can't access my credit file affecting me in the loan approval process.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

My husband and myself just refinanced a loan given to him from Chase bank. Back in XXXX of 2012 Chase bank told my husband he had to miss mortgage payments in order to do a loan modification to lower his interest on his home loan. They also demanded that he only use their lawyer in house. Turns out when we refinanced there was a balance setting on his home loan of {$4500.00} due for Fees associated with this cooked up bank scandal of which my husband never received any loan modification on. My husband only had his credit ruined and back then had to pay all fees to bring his loan up to date. Really I think what Chase band did to him is a crime! Chase should return all fees to him. Currently the amount of {$4500.00} was paid to chase bank through our refinance. But it should be returned to us from Chase. What they did back in 2012 was a scam.
Product: Checking or savings account

I live in NJ and have a Bank of America account ending in XXXX. Someone walked into a Bank of America branch in XXXX, Texas with a XXXX XXXX check belonging to someone else, presented said check for cash to the teller as they wrote my name on it and had it endorsed with my Social Security Number. No check was ever deposited to my BofA account, but BofA made a charge back to my account for {$800.00} when it discovered this forged XXXX XXXX check was a closed account. The date of the check is XX/XX/2023, it was presented for cash on XX/XX/2023 and I was notified by BofA on XX/XX/2023. I reported the fraud to BofA the same day. 

To date, BofA refuses to credit my account back {$800.00}, and the bank also refuses to tell me what branch in XXXX, Texas this occurred in so I can file a police report. Someone not only managed to steal money from my account using another 's forged check, but they used my SSN as an endorsement. BofA said this will take 90 days. That is ridiculous. 

My claim with BofA is XXXX. Please assist
Product: Credit card

I have a significant credit balance on my card I am attempting to get a refund for, and Bank of America is refusing to refund me. They keep pushing the day back they " received '' my notification of the credit balance refund. It has been XXXX weeks since I initially requested the refund and they still have not cut the check of {$9200.00}.
Product: Credit reporting or other personal consumer reports

This company didnt have no authorization run my credit never did any business with them. I need this information remove off my carport
Product: Debt collection

this law group has been calling repeatedly for the last year.I have a debt collection that is now about XXXX old.They continue to call at leased twice a week starting one moth ago.I contacted the XXXX  that reported that this agency would not reply to their request.I am a XXXX old single man on a set income.Letters from them said they would garnish my income. I need help!
Product: Checking or savings account

Citibank offered a promotion of {$300.00} for completing two Enhanced Direct Deposits of {$1500.00} each. I fulfilled this requirement on XX/XX/year>, expecting the bonus to be deposited into my account. However, the bonus was never credited. Last month, Citibank closed my account without any explanation and without providing the promised bonus. Trying to get an answer from them has been nearly impossible. 

Here 's the offer : Step 2 Deposit At least two ( 2 ) Enhanced Direct Deposits directly into your new checking account within 90 calendar days from account opening. Your total combined Enhanced Direct Deposits must equal {$1500.00} or more. Deposits made to a savings account are not eligible.

Make at least two ( 2 ) Enhanced Direct Deposits directly into your new checking account within 90 calendar days from account opening. Your total combined Enhanced Direct Deposits must equal {$1500.00} or more. Deposits made to a savings account are not eligible. 

According to them, this means you have to wait 90 days AFTER fulfilling the promotion 's requirements. 

I'm guessing they waited until the grace period for checking account fees ended, hit me with a fee, and then closed the account before the {$300.00} bonus could be deposited.
Product: Checking or savings account

I have had a PNC checking account for many years. I am a service member in the XXXX and have had my direct deposit with them for quite some time as well. In late 2015 I unfortunately got XXXX to serve the country in XXXX with my unit. While XXXX  there were many fraudulent transactions that occured on my checking account that brought it to a negative balance and closed it out completly. There seem to have been debit card usage and my acount number may have been compromised as well. i do remeber my last direct deposit of my job was a deposit of {$1200.00} and i was under the impression that the amount would be available once i returned back stateside after XXXX. Once I arrived stateside I was notified when I called into a local PNC branch that I no longer had a active checking account and that it was charged off for a few dollars meaning that my funds were taken as well.
Product: Checking or savings account

I am writing this to file a complaint against Navy federal Credit Union ( NFCU ) 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 wit the recent CFPB findings against Navy Federal for similar practices, where transaction settled with insufficient balances despite initially available funds. I believe these practices are unfair and I request an investigation into my account transactions.
Product: Debt collection

In 2018 I was a victim of identity theft my identity was misused. Someone got apartments in my name and utilities in my name without my permission. I am requesting this be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX SSN : XXXX | XXXX : XX/XX/XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX To whom it may concern : Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly.

Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. Also, why did you not send me copies of the verification like I asked?

As I am sure you are well aware, current case law states that Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The courts have ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations proposed by 1681 ( a ) ( 4 ).

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

XXXX XXXX XXXX Account {$370.00} * Please remove all non-account holding inquiries over 30 days old.
Product: Credit card or prepaid card

XXXX XXXX phone number XXXX, extension No.XXXX is a mean person whom Bank of America has appointed to handle my problem. 

I called him several times and he has n't shown even the slimmest sign to solve my problem. 

He is a Liability on Bank of America who is taking the salary and not performing. 

I called him several times and left voicemails but he does n't even care to call me back and solve my problem. 
After speaking with him, I have got another bill from Bank of America for {$2800.00} and they are asking me to pay {$44.00} every month, what the XXXX.. What is XXXX XXXX doing ????? 

Out of no where I recieved this bill, What is XXXX XXXX doing? Is he on a holiday or a cruise where he could n't pick up the phone?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 40 days later I have not received a response. I feel like i am being taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within. 30 days gives a reason to immediately remove those items from my credit report. It is been over 40 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to. the stress you. caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person
Product: Checking or savings account

Ticket XXXX XXXXXXXX My account was closed and funds were sent to XXXX XXXX XXXX. These funds were originally supposed to reversed back to the XXXX  account but for some reason SOFI decided to send a check to XXXX XXXX without a case or claim number so the check was voided by XXXX XXXX and returned to sofi three weeks ago. XXXX XXXX informed me and stated that the information needs to be on the check because they have no way to identify why they recieved it. I then contacted SOFI gave them the claim and case number and was told they would reissue the check with the information I provided. However after three weeks I'm still being told that they sent the check and I need to take the matter up with XXXX XXXX. It's already been verified that the check has not been cashed so I requested that SOFI do a stop payment on the check on their end and simply send the funds electronically to end this entire ordeal. Yes I'm still getting the same answers XXXX  To take the matter up with XXXX XXXX. I've provided the case numbers, the claim number as well as routing and account information. I simply need them to do a stop payment and send the funds electronically, I have no idea why this is so hard for this bank to understand!
Product: Payday loan, title loan, personal loan, or advance loan

An hard inquiry was made and I did not authorize same
Product: Debt collection

SYNCB inquired on my credit report without my permission. I contacted them and asked why they were reporting an inquirie on my credit and they could not give me anything I have ever applied for or signed for with them. I have never signed anything with their bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute a debt and provided proof that the debt is settled. The reporting agency did not resolve what is being reported instead they put a temporary freeze so that I can not dispute it again.
Product: Credit card or prepaid card

Citi closed down 4 different credit card accounts on XXXX XXXX, 2018, all at the same time. By shutting down the accounts, they have closed access to more than 130,000 points and {$55.00} in XXXX cash I was owed from using the cards during the year. 

Citi did not provide me an explanation for closing of all the cards. I have been a loyal member with Citi for more than 10 years and have made all my payments on time. Not a single bill was not paid to Citi.

I am severely disappointed by this action from Citi.
Product: Money transfer, virtual currency, or money service

I sent XXXX money for a service in a video game which they did not provide.
Product: Credit card or prepaid card

On XX/XX/XXXX, payment was received at the Apple Card lockbox payment center in XXXX, PA. Upon receipt of the bank check, Goldman SachXXXXApple Card posted the payment received XXXX days later, XX/XX/XXXX. However, upon receipt of the payment, Goldman Sachs refuses to post the payment as cleared until XX/XX/XXXX. I spoke with XXXX and XXXX, who gave conflicting information. 

XXXX XXXX stated that my credit limit was on hold because the check did not clear. However, XXXX confirmed my check had cleared. 
- When I received a message from Goldman Sachs customer services, they stated in writing that when payments are received, there is a XXXX processing period to be applied to the account. However, they did not disclose that the credit limit would be held for XXXX days because the payment was sent by check. 
Overall, Goldman Sachs and XXXX did a horrible job communicating their process. If I knew they would hold my payment for over XXXX weeks, I would use another payment method. In my opinion, this process is unethical and was not adequately disclosed to me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont know why XXXX is on my report as a negative item. I have XXXX  service now. Its stating that i open this account back in XX/XX/XXXX. That the account went into collections for {$570.00} in XX/XX/XXXX. This is false i've tried fixing this and they say the have no record of it and they only see my account that is active now which is current.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is defaming my character by inaccurately reporting invalidated, unverifiable and questionable information on my consumer report without my permission.They were able to verify my identity but did not respond within 30 days to my request for investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # XXXX. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

My Rights and Protections as a a consumer were violated by Capital One, and I have exhausted all of my options at this point. I incurred a loss of upwards of {$4800.00}, because my Capital One Mobile Apps security had been breeched resulting in identity theft, fraud, and a plethora of unauthorized transactions through Debit, XXXX XXXX and XXXX a Large XXXX Transaction of {$2500.00} dollars was withdrawn/debited from my account in XXXX of this year, this was when I first noticed the fraudulent activity, I immediately filed a claim in XXXX once I was aware ( via my banking statement ). After filing this dispute, it was denied saying that there was no error found and that the transaction was made based on my instructions, this is false, Capital One enabled a fraudulent transaction via XXXX, which led me down a rabbit whole of verifying my transaction and finding that over XXXX ( and maybe more ) was slowly siphoned out of my account over months through a variety of unauthorized debit, XXXX XXXX and XXXX transactions. 

And to make matters worse, They closed my accounts in retaliation to me filing these disputes because they knew there was fraud but refused to refund me the stollen funds!
Product: Credit card or prepaid card

On XX/XX/2021, we entered into an agreement with XXXX XXXX XXXX to complete the upgrade for our shower. Unbeknownst to us, XXXX went to Synchrony Bank to finance the project without our consent or knowledge. During the construction we saw that the materials and quality of work was not up to par with what was agreed in the contract. We contacted XXXX and requested they send someone to our home to witness what was being installed and the quality of the installation. They did not show after promising that they would send someone. 

After several months we sent XXXX a certified letter along with a faxed copy requesting that effectively immediately the contract was deemed null and void and for them to come and remove all tools and material from our home. They did not or have not come and removed the tools and material. 
Several months later we received a payment notice from Synchrony indicating that XXXX XXXX XXXX was paid for the project and this payment was not agreed to by us. 
We also sent Synchrony a letter protesting the payments along with the letter and pictures that we sent XXXX  indicating the lack or quality and incompletion of project. 
We received a response from Synchrony indicating that they had completed an investigation and their decision was decided on XXXX behalf. We requested a copy of their investigation into this mater and as of this date, have not received a copy detailing the basis of their decision.