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

I attempted to mobile deposit a personal check from my son 's Grandparents in the amount of {$1000.00} to his Truist Savings Account, a gift for his college graduation. The savings account ending in XXXX has been in place since prior to Truist acquiring Suntrust. Ever since Truist has taken over SunTrust, the excessive fees, holds, inability to speak with a representative in the United States and more has been common place. As soon as I finished making the mobile deposit, I receive an email that said that a hold has been placed on the check until XX/XX/year> ( today is XX/XX/year> ) because an amount similar to the {$1000.00} has not been mobile deposited to the account ending in XXXX in recent months. It is my understanding that per Federal Law, a financial institution can only place a hold on funds for the following reasons : 1. ) This is a new account.

2. ) The deposit was made from a non-Truist ATM.

3. ) The deposit amount was {$5000.00} or more.

4. ) The check was returned and redeposited ; or 5. ) There is a reasonable expectation the bank will not be paid ( Truist will not be paid by XXXX ; the bank the check originates from. ). 

None of these instances apply. I understand funds not being available until the next business day ; however, placing a hold on funds in the amount of {$1000.00} written on a XXXX personal check from my parents, is not appropriate and seems borderline unlawful. Again, this was a deposit to a XXXX Savings account ; not a withdrawal, nor a substantially large deposit such as funds from the sale of a vehicle, goods, or property.

Please advise as to what recourse I have other than moving all of my funds from Truist to an alternate bank in the near future.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Equifax has violated my rights. 15 U.S.C. 1681 A number 3. States Equifax assumed this role without my permissions, not only that but also did not have my consent. Equifax did not respect my right to privacy which is under 15 U.S.C. 1681 A number 4.
Product: Checking or savings account

My mom and I have just recently read about the Bank of Americas violation with double charging our accounts! If the bank had been doing this for some time ( more than a year ) then how do we know how gradually we were affected?!! The double charging of a transaction takes place if there are insufficient funds to cover that expense and this has happened numerous times to me so that means, unaccountably, the Bank Of America removed extra fees from my account. In the article by XXXX it states that If you think youve been affected by the double-charging-of-fees violation or the fake account violation, you dont need to take action to receive your payment, according to the CFPB. 
The onus will be on Bank of America to send payments to anyone who is eligible. The bank will either put funds into your deposit account or will send you a check. so I am here on behalf of me and my mother to submit a complaint and see our eligibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed my name on credit report for it to be removed and listed correct
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a complaint about my 7 late payments from XXXX XXXX. They took off 4 of my 7 late payments, not all 7 because they said that the time I reached out was not in Credit acceptances timely manner, even tho when I did reach out they assured me that they would report NO late payments but still reported 7. I now still have these 3 lates that is still hurting my XXXX XXXX and completely stopping me from obtaining a mortgage loan. Section 4021 of the CARES Act, Credit Protections During COVID-19, temporarily amends Section 623 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ). Under this temporary amendment, an institution that makes an accommodation for one or more payments on a consumer credit obligation must report the obligation or account as current. This Act was signed in XXXX of 2020 and is effective u til the end of the Covid-19 pandemic. My remaining 3 late payments are from XXXX 2020XXXX 2020 which meets the time frame criteria in the cares act. I am asking that credit acceptance please remove those lates as they are the only creditor reporting late payments on my credit profile, hurting any chance of my obtaining new lines of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021, the XXXX  XXXX XXXX updated their online account software, which stopped my automatic loan payments without my knowledge. I receive electronic statements, and there was no electronic statement delivered to me until I began to question in XXXX. I am a XXXX XXXX and currently serving aboard a ship, which limits my access to the internet. I could not access my accounts until I discovered the problem in XXXX back in port. I subsequently paid the amounts on time on XX/XX/XXXX for XXXX and XXXX when I got a hold of the company. The Credit Union agreed to backdate my XXXX payment and did not charge late fees. I was informed this was a widespread issue affecting their customers and to file a dispute with the credit bureaus if marked late. However, they are currently reporting me late for XXXX. I disputed this information with XXXX, Equifax, and XXXX. With XXXX, I filed 2 separate disputes regarding this payment history, and it was subsequently corrected. The late payment was also removed on equifax and XXXX However, as of today it is reported late again on both equifax and XXXX. I have received inconsistent responses from their service team, and it has always been a waiting game for them to act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordace with the Fair Credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX. 
Account Number : XXXX XXXX XXXX. 
Account Number : XXXX XXXX/DEPT OF ED Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX  Date of inquiry : XX/XX/20XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX  Date of inquiry : XX/XX/202XXXX XXXX XXXX XXXX  Date of inquiry XXXX XX/XX/2022 XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 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 an account without my written instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( XXXX ) 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 or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 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: Checking or savings account

On XX/XX/23, I ordered 8 pairs of leggings for XXXX a pair from a company called XXXX. and they only mailed me one pair. So, I contacted the merchant and asked for a refund for the remaining pairs because one ; it took forever for the 1 pair to come and two ; if you go on XXXX and XXXX they have been scamming people this way for the longest and for cashapp to keep denying my claim for a refund, when they are not even asking for my proof of a company defrauding many of people and blatantly stealing from hardworking people, I guess cashapp must be getting a cut from the sales to not want to give a refund when I have proof of these scammers!! I just want a refund! Also, I made a complaint with XXXX  and now out the blue I can't use my card and nor will they give me a reason why.
Product: Credit reporting

Originally submitted a dispute that XXXX XXXX report my being late on a XXXX/XXXX/XXXX payment. XXXX has confirmed in writing, that they agree that I made the payment on time and reported it correctly to the credit bureaus and will not be sending any additional information to the credit bureaus ( see the notation on their letter ). I have attached a copy of Equifax 's " Credit File confirmation # XXXX showing the " Date of first delinquency as XXXX/XXXX/XXXX '' as well the " Date Major First Delinquency Reported as XXXX/XXXX/XXXX ''. I called Equifax on XXXX/XXXX/XXXX and they stated to me that they will NOT change this negative information because they only report what the tradelines report to them. So I am supplying you with the letter from XXXX XXXX where I have noted that they agree I made the XXXX payment on time, as well as the derogatory information listed on my credit file at Equifax. Can you please assist me to get this negative information removed from my Equifax credit file? Thank you, XXXX XXXX.
Product: Credit card

Citibank advertised the following on its Citi Double Cash offering : " Low intro APR on purchases & balance transfers. '' And right after, it reads : " XXXX XXXX Intro APR for XXXX months on balance transfers ; after that, the variable APR will be XXXX XXXX XXXX XXXX XXXX based on your creditworthiness '' This is misleading, and possibly fraudulent, advertisement of its product. I have taken a picture of this offer, which is still visible on Citi 's website at XXXX XXXX XXXXciti.XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT. The List of accounts below have violated my federally protected CONSUMER RIGHTS to privacy and confidentiality under 15 USC 1681. XXXX - XXXX 15 USC 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A. Section 2, States a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) 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.

This is the fifth time Im reaching out to resolve this matter. Ive reached out to both trans union and XXXX neither of which has been able to provide proof of authenticity yet this account has remained in my credit report effecting my personal finances causing me to suffer as a result of XXXX and Trans-Union error . My next course of action will be to start the process of taking this issue to small claims court seeking damages for the blemish to my finances.
Product: Mortgage

I made XXXX payments in XXXX of this year however I miscalculated because the taxes had increased. Instead of applying the additional funds to my account Nationstar held the funds for 90 days. I was unaware but received foreclosure notices in the mail in XXXX. I contacted Nationstar in XXXX and was under the impression everything would be resolved paid the difference that night plus charged an additional fee because of a handling charge when doing it over the phone. To my surprise this did n't get taken care of so I had to call again in XXXX. In the meantime Nationstar had been reporting me late to the bureaus a rolling late since XXXX. I 'm devastated over the issue and the mental anguish\concern has been difficult for us as a family. I received an email regarding late fee charges instead of addressing my issue. I was suppose to receive a letter from Nationstar where they were going to fix the reporting error with the bureau 's however that has n't happened yet. Nationstar had someone come out to my house and knock on the door, left a notice on the door knob as well but it was in another language so we were n't even sure who left it. I threw it away but now I 'm extremely embarrassed now that I know why the person was sent. Not to mention I do not understand the lack of common sense used by this company. Nationstar was aware they were holding a whole loan payment shy of XXXX but did n't apply the funds and sent a foreclosure notice instead.
Product: Credit card

Approximately a week ago ( I dont have an exact date as I can no longer log into my account ) I chatted with a customer service representative for FIT Mastercard . I was behind on it credit card payments and was seeing what kind of programs I could qualify for to help get me back on track. She then advised I qualify for the hardship program that included making 3 payments of {$35.00} beginning XX/XX/XXXX and at the end of the 3 months ( after XX/XX/XXXX ) my account would be marked as current. I opted in to that program and all was well, or so I thought. Today, XXXX, I received a notification from the credit bureau that I have a new charge-off account. It was FIT Mastercard. I then called and spoke with a rep who I advised that I set up this hardship plan and my payment wasnt due yet ( due the XXXX ) so why would they send it to collections. He had no answers and only could apologize and advised once sent to collections there is nothing they can do. This was sneaky and highly unprofessional as I had set up a payment arrangement if you will. I am requesting someone to view the chat records and take my account out of charge-off status.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account, as well as Returned check fees without a varying or identifying factors on the statement. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to the delayed posting of charges and credits, I was unfairly charged overdraft fees and returned check fees. 

This issue appears consistent with he recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transaction settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Checking or savings account

On XXXX, o received an alert from my bank that there was a withdraw totaling {$360.00} i didn't authorize i called my bank to report this, and my bank asked do i have my debit card so i proceeded to look for it come to find out it was missing so she authorized a provisional credit of the XXXX transactions from XXXX XXXX XXXX  for {$160.00} for a total of {$230.00}, I don't know this bank or bank there. The XXXX transaction from XXXX XXXX XXXX. I don't know what that is and that is for a total of {$27.00}, for a grand total of {$360.00}. that was adding bank to my account while they do an investigation. Remind you i have been laid off from my job since last year in XXXX my unemployment pays for my rent, until i can find a job. On XXXX my bank decided to go into my account and reverse the provisional credit for the XXXX payments of {$160.00} and the {$27.00}, i called the as soon as i got the alert of a negative credit, I asked them why they did that the person i was talking to told me they Huntington bank went and came up with an excuse stating i had an {$85.00} dollar charge back in XXXX of last year i knew nothing about, so they fill as though they don't have to pay what I called an disputed about and i only asked for was the XXXX charges from XX/XX/year> of this year that's all i asked for them to help me with i don't know of anything else I started to cry because that money I'm short on is needed to pay my rent, I'm afraid of being evicted now due to the disregard and the disrespect I'm getting from my own bank so they said they will re-investigate again and i was approved for provisional credit of the {$360.00}, i haven't received as of today XXXX a provisional credit they keep on saying there investigating, so i reached out to both businesses that had XXXX XXXX XXXX  and XXXX XXXX to find out has my bank contacted them so i can get my money back i didn't authorize, both of these places stated that my bank Huntington Bank has not reached out to use at all to provide us your information such as bank account and routing number and other information needed to refund your money back, that is we will need and they told me no need for me to contact them that is for my bank to do, it's a bank to bank process, So i call my bank they said they don't have any money returned to them i said i see why they haven't did their job at all, I'm over here hurting because on XX/XX/year> i have to pay my rent or be out on the street all because of my bank, to me my bank shouldn't have touched my account to make it a negative balance no matter how long there investigation goes they shouldn't have stolen my money and refuse to pay it back, Huntington Bank let me know how much they care about their customer none, I'm on the verge of being evicted in a couple of days, because of Huntington bank carelessness, i asking for help please someone
Product: Credit card or prepaid card

I have had Synchrony Bank, who owns my Care Credit credit card, for several years. More recently, they have been increasingly difficult to contact re : promotional balances. Their system is inherently flawed because you can not designate where you want your payment to go ( current balance vs. promotional balance ) and they default your  payments to go to your main/current balance almost ensuring that you will not pay off your promotional balance in time. In the past ( prior to 2018 I would guess ) contacting them via their internal messaging system or phone would be helpful, and the correction ( having them change the payment to go only to the promo balance ) would immediately show online. Now they tell you " 2-3 billing cycles '' and you can not tell how much you have paid to the promo balance by the time the next payment cycle has come, because their system has not caught up yet. Also, now when you call or send messages with their internal messaging service, you often get someone in XXXX. I understand the cost-saving of outsourcing, but when English is a second language the customer reps have not understood my requests for putting payments towards the promotional balance. This results in endless calls on a monthly basis to see how much I have actually paid, and repeated calls to hopefully get someone who understands English or is actually in America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a car dealership, and they told me my credit report would only be ran once. But my credit was ran multiple times without my consent. 12 times. 

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  I went to get a a car and was told i would not have my credit ran to fill out an application, and they did so without my consent. 
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX  no purchase was made No consent for this credit run XXXX XXXXXXXX XXXX XXXX- XXXX consent and nothing opened FRAUD No consent for this credit run XXXX - no consent and nothing opened FRAUD No consent for this credit run XXXXXXXX XXXX no consent and nothing opened FRAUD No consent for this credit run XXXX XXXX no consent and nothing opened FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT DOES NOT BELONG TO ME AND I WOULD LIKE IT TO BE REMOVED FROM MY CREDIT REPORT.
Product: Checking or savings account

On XX/XX/19 we filed an unauthorized and fraudulent telephone transfer of {$11000.00} ( posted on XX/XX/XXXX ) from our Chase Savings Account to one of our checking accounts and then immediately therafter 4 unauthorized and fraudulent transfers ( accounts only identified by last 4 digits, which are not ours, but are Chase accounts ) from our Chase checking account totaling {$18000.00} ( {$4600.00}, {$4500.00}, {$4500.00} and {$4300.00} ) these transactions also indicate transfer via misc debit. All correspondence and paperwork was filed at the Chase Branch XXXX XXXX XXXX, XXXX NJ, XXXX. We informed the Branch Manager that we never do telephone transfers, we did not benefit from the transfers and we were in XXXX Texas when these transactions took place. Initially Chase filed this as a Reg. E claim and as a result the provisional credit to us is due today. However we were out the Branch speaking with Branch Manager today XXXX and was informed that Chase will not be providing us the credit today as they have not completed their investigation. I informed that they were not in compliance with Reg. E, in addition, they can not deny my claim of fraud as the 4 transfers were not into an account I benefited from. In addition, I was told that there is no one I can speak directly to Chase to call me. Meanwhile we do not have access to our {$18000.00} that was misapplied by Chase, as well as no one to contact at Chase for further explanation or clarification. I am appalled that I have to " wait '' for my own money and that as a consumer can not get the answers I deserve. The {$18000.00} should be credited immediately.
Product: Debt collection

Requested written verification regarding XXXX collection accounts with the same agency in XXXX of XXXX No validation of accounts was received even after written request.
Product: Mortgage

We had a Wells Fargo home loan and we want to know if we were affected by the settlement
Product: Debt collection

There is a Child Support ENF/ Attorney General on my report that was paid and should have never been on my report as owing {$51000.00}. Things had been paid in full and should have NEVER BEEN ON FILE! Account # XXXX