23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a VA home loan serviced by Veteran 's United Home Loans for my primary home. This loan began in XX/XX/XXXX and included a mortgage and escrow payment. 

On XX/XX/XXXX, I received a letter from Veteran 's United that was dated XX/XX/XXXX and stated that an end of year analysis of my escrow account was completed, and it was determined that there was an excess amount in my escrow to start the new year. Included with this letter was a check written to me for {$1100.00} and was dated XX/XX/XXXX. I am not sure why there was a three week+ delay in when the letter and check were created and when I received it. 

I electronically deposited this check into my personal checking account on XX/XX/XXXX and received a message from my bank stating the deposit was accepted for processing. 

When I reviewed my checking account on XX/XX/XXXX, I noticed a chargeback for {$1100.00} plus a fee charged to my account for the chargeback. I contacted my bank to inquire and was told that the chargeback was for the check I deposited from Veteran 's United and that the check " was not good. '' I then logged into my Veteran 's United account to review. I noticed in the payment history documentation of an Escrow Refund check being distributed on XX/XX/XXXX for the amount previously stated. There was also a payment made to the mortgage in the same amount, {$1100.00}. 

I contacted Veteran 's United on XX/XX/XXXX in the morning and spoke with an Escrow Department member. I was told that after the letter and check were generated on XX/XX/XXXX, Veteran 's United realized there might not be sufficient funds in my escrow account to cover my upcoming tax and insurance payments. It was stated to me by this team member, " we decided to stop payment on the check we sent you so we could make sure there was enough money for tax and insurance payments. We thought it would be better than your mortgage payment increasing for the remainder of the year. We actually did you a favor. '' There was no communication made to me in writing, electronically, or via phone call to this action. The team member could not speak to why communication did not occur and told me that there was nothing that Veteran 's United could do for me. I asked to speak to a manager or the team member 's supervisor and was told that one was not available but could call back in the next couple of days. When I stated that this was not acceptable and that I would file a complaint both with the CFPB and my State 's Attorney General 's Office, the team member stated that they actually had someone I could speak with. I was on hold for several minutes, and the team member came back on the line and stated that the manager was not available but would contact me by the end of the day. Over 24 hours later, there has not been a phone call from Veteran 's United.
Product: Credit card

On the beginning of XXXX I asked American Express what was going on with the promised credit after spend amount on XXXX new cards I was notified by XXXX XXXX and XXXX card offered XXXX $ after XXXX $ spend and the business card offered XXXX $ after XXXX $ spend. He told me they dont give credit only member ship point but i told them it did not add up to what I was offered for signing up and I just felt like they were being rude when I called as well and I explained to them that I was sure of what I saw because I even planned with the credit and I received XXXX with their first card I got from them and got the credit promised after I spent.. I wast going to do a complaint until today I see they are paying out a lawsuit for false advertising and I believe I was a victim.
Product: Credit card

This is the XXXX time I 've had to submit a complaint on behalf of this card. The first time I spent a lot of energy and time submitting a thoughtful overview. This time I 'm just going to say - the customer service and operations for this account suck. The people who answer the phone can hardly help. It takes 20 years and XXXX phone calls to get anything taken care of. Each person has access to XXXX piece of the puzzle. My card was recently compromised and I 've yet to have anyone provide me answers to the questions I 've asked and I 'm not willing to spend anymore time on this issue by providing a thoughtful submission. Hopefully my complaint will put me in touch with an intelligent person in the organization that is equipped to give me all of the information I 'm looking for in a timely manner. It 's unfortunate I find the rewards for this card of value ( the only value the card provides ) or I would have chucked this out of my wallet long ago.
Product: Credit card

I signed up for this credit card as they had a promotional offer of XXXX XXXX. After meeting all the criteria set forth in their terms, they stated my promotional offer was only for XXXX XXXX. I took a screenshot of the offer I signed up for when I was registering. I brought this to the companys attention twice. I was told they would look into it, but never heard back. I then reached out online and thats when I was told about the XXXX XXXX. It doesnt make sense. Thats not the promotion I signed up for. I wouldnt have signed up for this card had I known the promotion for points was so low.
Product: Credit reporting

I have an eviction on my record from XXXX XXXX Apartments in XXXX XXXX XXXX, Utah. City Park Apartments filed a retaliatory eviction against me. We went to court and settled that I would pay the remaining rent balance and not post anything online and move out at the end of XXXX 2015. I complied with everything that was agreed upon in court and in return they was supposed to give me neutral renters history. However after paying the balance which was agreed upon XXXX XXXX Apartments made extra demands for money that was not part of the settlement and have issued an eviction on my record. XXXX XXXX XXXX not only filed the illegal eviction but attempted to extort more money from me because of my military status and fear that an eviction would negatively affect my career.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I went to chase on XXXX XXXX in XXXX florida XXXX the ATM Jammed I bagged on the atm and then immediately went to branch to have the open the Atm the person branch was rushing and called in the claim. He never went to to the ATM and checked he never shut the ATM down. Even after I asked him. The bank put the credit back into the account on the next business day I though always good now today XX/XX/XXXX XXXX they reversed the claim stating they could not fine the money I called and asked for a manager and I wven told they need to look at the cameras at the ATM and the branch it only took me 1 min to park my car and go into the branch. The bank now is accused me because I am.XXXX single mother of stealing??? When the branch employee who is XXXX  failed to do his job. And shut the ATM down He admitted to this ATM also getting XXXX. And said it no big deal but now I am out XXXX because of them failing to do there jobs both in the branch and back office. I feel o was radically profiled and will bring this full force against the branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax Credit Report has not been updated with accurate information for my XXXX XXXX  credit card. The last update to my account information was on XX/XX/XXXX, to reflect my XX/XX/XXXX statement. I have contacted XXXX XXXX 3 times. Each person was unable to assist or pinpoint the root cause of the issue. The person I spoke with on XX/XX/XXXX told me that it might be due to the conversion -- the conversion of XXXX XXXX  credit card from XXXX to XXXX that occurred over the course of XXXX. XXXX XXXX  does not have customer service that are available to address back office issues such as credit reporting. 

This is causing harm to my personal situation. I am a returning, non-traditional college student and have been denied private student loans due to the outdated credit information on my credit report. In addition, I have noticed that Equifax credit reports that are pulled by creditors are never current. They are often 60 days or older.
Product: Debt collection

I explained to this company that the debt doesnt belong to me and they refuse to investigate properly
Product: Checking or savings account

I am filing a complaint against Navy Federal Credit Union regarding multiple over draft fees I have incurred despite the account having sufficient funds when transactions were authorized. I was charged fees due to the lagging posting of charges and credits to the account. This complaint is aligned with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. These practices are unfair. I request an investigation into my account transactions.
Product: Checking or savings account

Bank of America is terrible and so is XXXX, I spent a ton of money on a app that was clearly a cash grab that lasted like 5 months if that. XXXX told me to go to XXXX and refused to do anything and I was told I could leave a bad review or a complaint with the company. So I went to BoA for aid, they started disputing in which I got cleared on the low cost transactions so I figured I was good... ..nope... .they sent me letters saying the others are in the right cause of proof of transactions ... .ok # 1. You already approved the dispute with the lower cost ones so you know I'm in the right and # 2. I wasn't disputing the transaction themselves I was disputing the fraudulent company they went to... ..so done with these people its crazy. Oh # XXXX now that my account is finally at all time low and because I just had like a XXXX XXXX XXXX they see an opportunity to make money with interest ... I wasn't even asking for it all back whatever they could do was fine ... .. Now that I'm in extreme pain I got ta deal with these guys ... naw. wish I would have read everything about BoA cause there reviews are terrible and would have never bothered. There all looking to rob you nowadays so stay on your toes. And no I don't ask for 10 disputes a year either. I can only remember 1 other in the past few years and they clearly took care of it. Seems like to much leg work for them tk dk any real investigating ... .it was like they admitted I was right then took it back from me ... .I 'm sick, my parents are ill and I literally had XXXX like 6 days ago ... ..they also had me ban and get rid of an account worth like XXXX ... ..I 'm asking for a small fraction of that ...... so small in comparison for what I gave up.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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.

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

I have sent multiple letters to Transunion, XXXX  and XXXX  requesting that they properly verify and conduct a reasonable investigation of a erroneous reported account on my credit report. They have stated that it was updated, but I have not received anything that proves there was an investigation and that the report is accurate. I also requested validation from XXXX XXXX, and they failed to properly validate the disputed late payments. 

XXXX XXXX XXXX XXXX Account # XXXX erroneously reported 30 days late in XX/XX/2018, 60 days late XX/XX/2018 and 60 days late in XX/XX/2018. These payments were made on time and were erroneously reported late due to carryover fees after the account had been paid to a XXXX balance. I called and discussed this error with XXXX XXXX XXXX services and was told on several occasions that the errors reporting would be reversed with the credit bureaus. I was told that this information was on a recorded line and would be made available for confirmation. I have followed up with XXXX XXXX XXXX XXXX and they have not done what was promised via the phone conversations.
Product: Checking or savings account

I opened a bank account deposit ta check from my tax refund the next day I saw it deposit to my account..then 2 days later they advised they were doing a investigation..after the 30 day investigation I received a letter stating they are losing the account and that any money would be sent to me via a check from the bank ..Ive contacted the bank numerous times to ask what happened and I have been greeting no resolution I called the irs and they asked for the tracking information and the bank failed to provide it
Product: Checking or savings account

I deposited a check I received from my schools ( XXXX University ) bursars office. The did the deposit via mobile deposit on XX/XX/XXXX. 

I did not receive notification that there was an issue with the check until I went to open my app and my account was locked. 

I called the bank twice. I was informed that the check needed to be verified, and the check was reversed by the originator because it was beyond the 90 days. The check was dated XX/XX/2023. I made the deposit on XX/XX/2023, well within 90 days. 

The bank informed me that my account would remain frozen until they can verify the information of the check and did not provide a timeline but the second agent said I could try to call tomorrow. 

However, today is XX/XX/XXXX, over a week since the deposit. I informed them that I need access to my account as I dont have any other funds and it is where I get my direct deposit but they refused to release the account. 

Not only is the check legitimate, they never notified me of a potential problem, where if they had I could have called the school to get support and avoid having this dilemma. 

I feel that I was discriminated against because of my last name and age. Why else would they decide to take such aggressive steps. This is against fair banking laws. And while I understand the need to protect against fraud this was an abnegation of the banks responsibility to notify its customer of a problem and do proper and timely due diligence as to not cause unnecessary harm to its customer. It is likely that this policy is not being applied equally across customer demographics.
Product: Money transfer, virtual currency, or money service

I was informed that my direct deposit was sent to my cash app but it failed. Was later told needed to verify card. Have NEVER Had to do before. Now my deposit won't post due to cash app not verifying my identity and now I'm homeless with a XXXX XXXX XXXX cuz all I get is the same generic " we are working hard to resolve this '' message. Everything I contact them it's the same unresolved problem.
Product: Credit card or prepaid card

I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2012, which I did not make. I have this police report where I stated that I lost my phone where I stored my personal information.
Product: Money transfer, virtual currency, or money service

Sending money through XXXX on accident to the wrong sender and when caught and tried to get the money back I was told by chase nothing could be done and my account went into negative and lead my account to be closed when I wanted to keep my account so badly but due to that mistake with XXXX messed it up
Product: Payday loan, title loan, or personal loan

Hello. I made a purchase on XXXX for a XXXX XXXX XXXX XXXX in-store at XXXX using my AfterPay ( order # XXXX ) for a total of {$200.00}. 

1. I returned part of the the order XX/XX/XXXX at XXXX in-store. ( Refund of {$75.00} ) 2. I have both copies of the original purchase and a copy of the refund receipt. 

3. I contacted AfterPay via their online app message center on XX/XX/XXXX telling them the return was not given. 

4. XX/XX/XXXX AfterPay wrote back Please note it can take anywhere within 5-7 working days for these funds to clear into your bank account once the refund has been processed by Afterpay. 

5. On XX/XX/XXXX, I contacted the retailer in-person about not receiving a full refund and they sent me a response stating they did in fact give me a full refund. The retailer said I should to contact AfterPay to troubleshoot the refund issue ( see attached email from retailer ). 

6. On XX/XX/XXXX I wrote AfterPay again via their online app stating its been since XX/XX/XXXX and I have yet to receive my refund and that the retailer provided copy of their investigation and its shows they did process my refund. The retailer said I should to contact AfterPay to troubleshoot the refund issue. 

7. XX/XX/XXXX AfterPay responded Upon reviewing, we havent receive any refund from the merchant. Please be advised that the merchant have full control on their return and refund policy. Kindly contact the merchant to make a follow up or to check the status of your refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was several attempts made to open accounts with different lenders. All of those attempts were fraudulent as i did not apply for them however now all of those are showing up as hard inquiries on my credit report. I have already filed a Fraud Alert with XXXX and they mentioned that they also send the alert to the other credit companies like XXXX. I also called XXXX  to file a dispute with them and the file # is XXXX. 
My goal is to get all of the inquiries removed from my credit score as i did not apply for any of these accounts. These inquiries have already hurt my credit score and i would like to make sure they are removed since it was not me who applied. 

XXXX  : 1. XXXX  - XX/XX/18 2. XXXX XXXX. - XX/XX/18 3. XXXX XXXX - XX/XX/18 4. XXXX XXXX - XX/XX/18 XXXX : 1. XXXX XXXX XXXX - XX/XX/18 2. XXXX XXXX XXXX. - XX/XX/18 3. XXXX XXXX XXXX XXXX - XX/XX/18 4. XXXX XXXX - XX/XX/18
Product: Credit reporting, credit repair services, or other personal consumer reports

Almost two months ago my XXXX Credit Card balance was higher than its ever been and I immediately paid it down, almost to XXXX. To THIS DAY, the card company, Transunion, and XXXX  will not report it as decreased so my score will go up BUT THEY SURE AS XXXX MADE MY SCORE DROP 62 points when I used my card!! UNBELIEVALBLE
Product: Debt collection

All theses hard inquiries are fraudulent. I never gave no written consent. I'm part of a breach. Delete all them of my report. 15 usc 1681c-2
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this letter to all 3 Major Credit Bureaus on XX/XX/XXXX requesting an investigation for several inaccurate reporting on the Date of last activity date, High credit amount, date of last payment, last reported date are all inaccurate from one Bureau to another. This is affecting my credit score and my ability to make major purchases. 


To Whom This May Concern After recently reviewing my credit report I noticed several inconsistencies regarding account ( XXXX XXXX XXXX XXXX ) on the date of the last activity section. XXXX is reporting a date of last activity XXXX, Experian is reporting a date of last activity XXXX and XXXX is reporting a date of last activity of XXXX. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. Below you will find a screenshot of the account. 
XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Unsecured loan Unsecured loan Unsecured loan Bureau Code : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$21000.00} {$21000.00} {$21000.00} No. of Months ( terms ) : XXXX XXXX XXXX XXXX XXXX XXXX {$25000.00} {$25000.00} {$21000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$21000.00} {$21000.00} {$21000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Unpaid balance reported Charged off account Profit and loss write-off as a loss by the credit Unsecured XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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  XXXX Account NumberXXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : 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: Debt collection

This Debt collection is fraudulent I didnt not authorize this company or any company to run my credit nor have I signed anything pertaining to this account. Please delete immediately.