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

Sir : On XXXX XXXX,2017 I was out of town, on a vacation, five hundred miles from my residence in XXXX XXXX. A letter arrived from Bank of America, regarding insufficient funds in one checking account. I reacted to The message immediately upon the date of this notice. I was not able to cancel my vacation therefore I applied for help at the nearest branch of Bank of America in XXXX, Nevada. The branch manager whom I spoke with informed me that the processing of this transaction was delayed only temporarily and my account funded later when I returned in two days. The information was incorrect and I should not be penalized for their error.
Product: Prepaid card

I called to request a replacement card. I stayed on the phone for over 2 hours verifying my personal information, address, number, previous card numbers etc. When I was asked to provide old addresses I was not able to do that. For this reason, I was told to " go and figure it out. '' I have tried everything I know to do to get a replacement card. I am XXXX. I do not have money for food or housing. I have not had access to my benefits for more than 2 weeks. Direct Express does not care about us! 

Direct Express is the worse company to work with. They will not allow my advocate to assist me with getting my card. I receive XXXX XXXX  along with other medical and XXXX XXXX  assistance. It is very unfortunate that the people working at Direct Express are not expected to handle those of us who have a XXXX with better care. I am asking that you please assist me with getting a replacement card so that I can take care of my basic needs. Direct Express will not help me. I can provide proof of identity if needed. Direct Express will not even speak with a representative from Social Security who can confirm and validate my benefits. I have tried everything. Please Help!
Product: Debt collection

I was in a car accident on XX/XX/XXXX. On XX/XX/XXXX I sought care at XXXX XXXX. I had 16 appointments with this XXXX. At the end of my treatment I submitted my bills to the insurance company of the individual who hit the car I was a passenger in. The insurance company conducted a private investigation inside the XXXX 's office and saw that 10 visits were posted on a sign for {$750.00}. The XXXX had billed an exorbitant amount of {$3900.00} for the services rendered. The insurance company refused to pay the amount. I sought out advice and in the state of Tennessee you have the option to utilize your private insurance first or the car insurance first and visa versa. I contacted XXXX my medical insurance provider and they informed me that this was something that happened all the time and that I would reimburse them through subrogation. I filed the claims, XXXX XXXX was sent an Explanation of Benefits as he was an in network provider with XXXX ( it is also noted on my chart ), and he was sent a check for the payment. I received numerous phone calls from his office threatening to turn me over to collections stating that I was in the wrong. They cashed the check and the next day it was turned over to Capital Account. I've attempted to state my case to Capital Accounts, XXXX, XXXX, XXXX and all 4 will not remedy the situation as XXXX XXXX states it is legitimate debt. I am providing the Explanation of Benefits that shows what was owed and the contracted rates between XXXX and XXXX XXXX, the cashed check, and my medical notes that show XXXX XXXX had my XXXX policy number and was well aware that XXXX was my insurance provider when I was in his office and seeking treatment.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the collection account reported on my credit profile associated with FAIR COLLECTIONS & OUT account # XXXX. According to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to request validation of the debt you claim I owe. 

I request that you provide the following documentation to validate this debt : 1. A copy of the purchase agreement of the debt, which must include all signatures of the parties involved.

2. Documentation showing your authority to collect this debt, including the chain of assignment. 

It is important to note that I have had multiple companies attempt to collect this debt, and without proper validation, I can not verify its legitimacy. 

If you are unable to provide the requested documentation, I ask that you promptly remove this account from my credit profile, as it would be reported inaccurately in violation of the FCRA. Under 15 U.S.C. 1681s-2, you are responsible for ensuring the accuracy of the information you report to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on payments made in XX/XX/2021. Payments were made before XXXX  days late and information doesnt match on all XXXX bureaus. Creditor removed/deleted entire account from transunion due to continuous incorrect information but did not do the same for the other bureaus
Product: Checking or savings account

I am writing to file a formal complaint against Capital One regarding my 360 Savings account. I have encountered several issues with my account that I believe are unfair, deceptive, and harmful to consumers, and I am seeking your assistance in resolving these matters.

Specifically, Capital One 360 has misled customers by failing to notify them about available higher interest rate options for their savings accounts. This lack of transparency violates multiple consumer protection laws and regulations, including the Truth in Savings Act ( TISA ) ( 12 U.S.C. 4301 et seq. ) and Regulation DD ( 12 CFR Part 1030 ), both of which mandate clear and accurate disclosures about account terms, including interest rates.

As a result of Capital Ones failure to provide this important information, I have lost trust in the bank and in the 360 Savings account program. These violations have led to confusion and frustration and have harmed my ability to make informed financial decisions. 

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that Capital One complies with the relevant consumer protection laws, including providing transparent and accurate information to their customers. 

Thank you for your attention to this complaint. I look forward to your response and the resolution of these issues. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XX/XX/2022, I was encouraged by XXXX XXXX to take out a new charge card, as they had closed my previous one without notification to me, because of lack of use. It took over two months before I received my actual card or my first statement. I realized this might be due to address change. I was not overly concerned until my repeated attempts to set up an online account failed. I did make charges during that time. I tried many times to set up a new online account it failed every time. It kept connecting to my old account that was supposed to be closed. On XX/XX/XXXX. 2022 I called a number that was supplied on the paperwork. I could not get a human, nor was there a prompt that answered my needs. I decided to pay my balance. I realized by now over a month had passed still no statement or card. I called again and tried to set up online again. It was all in vain. So, I called again the next day finally I got a human. A woman tried to walk me through setting up an online account it was not working it kept referring me to my old account, which was supposed to be closed. I didn't feel she was understanding my despair, so I ask to be transferred. I was disconnected. I called again, finally I got someone that was getting it she figures out my email was entered wrong on new application, which XXXX entered not me, she corrected the email and told me to try again. Opps we get disconnected. I called back paid my balance in full and cancelled my card. 
Finally, I receive my statements there was a late charge apparently, I made my payment 3 days late. I called again to try to remedy and state my concerns. 1 ) I never received a statement, 2 ) I tried to set up an online account many times. 3 ) most important I had no idea what day my payment was due. Once again. I found it almost impossible from There prompts to figure out who could help me, sadden I gave up. 
When trying to remedy the second late charged I received I called bill dispute and got straight thru. Who would have guessed? XXXX. first told me I was still getting late charges because a confirmation letter had not been sent, he would be sending that. I than ask what was going to be done about the late charges. His respond was he could not help because my account was closed. Ok, my head went 360!! I said I felt I was not responsible for these charges the mix up was mostly too due with you. He told me not to pay them. I ask for an email responds on this and he told me he was sending a letter. 
On XX/XX/2022, I get a letter saying my account is closed but I have to pay the late charges. The letter has a dispute id on top and the correspondence is a XXXX XXXX XXXX with bank ifo only. I did respond to the XXXX and also a XXXX XXXX on my statement. 
I call again I was told by XXXX she had no depute info and no info on how to start one, my account could of been reopened if done within seven days, she cant help me because my account is closed, yet she is going to continue billing my account and has no number of anyone who can help me.
Product: Bank account or service

First National Bank Omaha - horrible customer service. 
Of course - they are the BANK so they are always right. I am only the customer confused by the inundation of unwanted offers and e-mails from the BANK. 
So decided to try an offer - a balance transfer from XXXX XXXX. I wanted to transfer {$200.00} using their " no transfer fee '' offer. Apparently I used the wrong check and was charged {$10.00} on a {$200.00} transfer. Usurous. That is an instant 5 % penalty. They were VERY unsympathetic. They got my {$10.00} for that tiny transfer! High fives!!! 
When I contacted the BANK and told them I intended to use a different offer, they were VERY unsympathetic and just told me they could n't do anything. We all know they could - so not only are they customer unfriendly but they are liars. They got my {$10.00} and to XXXX with what I wanted. They also misclassified the transfer as dept store/ retail - not a balance transfer from another card. 
But they are the BANK and always right. Note the unsympathetic response. 
Here is the classification they claim is correct : XX/XX/XXXX XX/XX/XXXX BALANCE TRANSFER - FNBO Retail/Department Stores {$200.00} XX/XX/XXXX XX/XX/XXXX BAL TRAN FEE - XXXX Retail/Department Stores {$10.00} This was a transfer from XXXX XXXX business cards so we can clearly see that the BANK did everything correctly. The classification of the transfer is my fault. Somehow. 
How do my balances increase when I have n't made any charges - I 'll include on example, there are others. 
Charge Summary XXXX 2015 Purchases 13.99 % ( v ) {$670.00} XXXX {$7.00} XX/XX/XXXX PR Special 9.99 % ( v ) {$620.00} XXXX {$5.00} XX/XX/XXXX BT Special 5.99 % ( f ) {$490.00} XXXX {$2.00} Charge Summary XXXX 2015 Purchases 13.99 % ( v ) {$670.00} XXXX {$7.00} XX/XX/XXXX PR Special 9.99 % ( v ) {$620.00} XXXX {$5.00} XX/XX/XXXX BT Special 5.99 % ( f ) {$550.00} XXXX {$2.00} How did the balance increase from {$620.00} to {$620.00} when I had made NO charges. 
This BANK is horrible. 
XXXX
Product: Checking or savings account

My account has been overdrawn since XX/XX/XXXX. I have no used my card since due to the overdraft and even took off my recurring payment to my credit card company using their mobile. Bank of America still processed the payment although I took off the bill pay for it, and charged me an additional {$35.00} on top of all other fees. They did the same of my life insurance payment and they are still charging me overdraft fees. I have contacted them a number of times since XX/XX/XXXX, was on hold and being switched back and forth to multiple people for 2 hours straight. And still no one has helped me. I did took off the credit card payment and XXXX  still refuse to refund me my {$35.00} and I took of the life insurance payment and still the same. They are stealing money from me and expect me to pay back money for transactions I never even processed knowing I have XXXX balance in my account. They are robbing me and refuse to help./ I have complained to several supervisors who has done nothing to help me. They just transfer me back and forth. Please help I want to sue them if this continues to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my countless endeavor to tell you that I am a victim of identity theft. I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I want to express my complete displeasure with the closing process that resulted in an increase in my closing cost by nearly XXXX XXXX on the day of closing XXXX In the final weeks of closing UWM underwriters requested updates to credit that resulted in multiple hard pulls of the credit. The multiple credit pulls dropped my score below a conventional loan score and changed the terms of the closing cost as well as the type of loan I qualified for with no warning. The UWM underwriters instituted a series of delay tactics that prevented me from closing on time that also resulted in a change in closing terms as well. All in all UWM took various steps that resulted in more out of pocket expenses on my part as well as enriching my loan for profit.
Product: Credit reporting, credit repair services, or other personal consumer reports

id theft victim chapter XXXX bankruptcy. fraud account professional debt me XXXX   XXXX XXXX XXXX XXXX  {$6300.00} XXXX XXXX XXXX not my account. fraud account
Product: Credit card or prepaid card

XX/XX/2020 m- Fraudulent lending or issuance of credit and then retracting the credit or closing the account completely without checking in with me as to what the exact situation was that I am currently facing. When i called cITI Bank they gave me only one option and that is to apply for a new card. 
They had closed another credit card of mine almost exactly a year ago as well without any discussion around any issues that may be faced with personally, any option as to keep the account open or get it back in a good standing position where they do not close the card. 
Last XXXX i had an ATV accident, where i had a XXXX XXXX XXXX XXXX that required XXXX to repair and no work or any physical anything ( 6 months can't lift or use the XXXX  where there is over 1 pound of weight involved, and prior had a 3 month stint of having my XXXX  completely immobilized and prevented from moving/using ). 
As XXXX XXXX XXXX XXXX that is an XXXX  XXXX, when i am not able to work - I can't make any money. Therefore there was a period of time where i was getting behind on some things as i waited and jumped through the necessary hoops for my XXXX insurance to kick in or payout. 
But as a XXXX XXXX XXXX to have recieved credit card offers after credit card offers from Citi Bank - where I was completely accepted for a credit line of {$1500.00} - {$2000.00} + between the two credit cards with Citi Bank alone. Of course when i was working and things were going well. But the second i get hurt and can not work or income lessons they close my accounts completely, thus causing my debt to credit available go completely down and further looking worse for me when trying to obtain other financing or credit for both the business itself and me & my family personally.
Product: Mortgage

1 ) I received the letter of eligibility for XXXX on XX/XX/XXXX, dated XXXX XXXX ( a week of valuable time spent in transit ). 

2 ) I contacted Fay Servicing on XX/XX/year> to accept the offer of the XXXX and was informed it was '' too late. '' However, Fay Servicing 's correspondence stated I had until XX/XX/year> XXXX ) When I referred to the letter stating the offer must be accepted before XX/XX/year>, the representative was argumentative stating " There is not enough time. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

We have made two complaint with CFPB re : KeyBank HELOC. Please refer to past CFPB complaint # XXXX & # XXXX. Our HELOC was sent to foreclosure after KeyBank lost our check several times. We thought the issue was resolved, but apparently it is not! We have recently applied to refinance our home through XXXX XXXX, but have been stopped from proceeding due to this " foreclosure '' that is a appearing on our credit. There should be NO foreclosure on our credit. Again, KeyBank lost our check & during that time of the " misplaced check '' KeyBank sent our HELOC to foreclosure. We were told that all delinquent/derogatory reports to credit reporting agencies would be removed, but this is not the case. I need KeyBank to remove the foreclosure status from our credit report so we can move forward with our refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

I am writing to follow up on a matter that I previously brought to your attention regarding these unidentified and unverified negative accounts on my credit report associated with : -- -- -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  -- -Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Dear CFPB Team, I am writing to formally dispute an issue regarding my credit report and payments related to my cell phone service provider. My company switched my cell phone service from XXXX to XXXX in XX/XX/XXXX. As part of this transition, I continued to pay XXXX  for services rendered in XXXX and XX/XX/XXXX, even though my company also began paying XXXX in XXXX. 

Unfortunately, I lost access to my XXXX account during this transfer, which has complicated my situation further. To date, XXXX has not refunded the additional payments I made to them in XX/XX/XXXX. 

In XX/XX/XXXX, I received an alert indicating that I had an account in collections by XXXX XXXX XXXX  for {$190.00}. This was surprising to me as I have a 100 % pay history. I attempted to investigate this issue by reaching out to the XXXX major credit bureausTransUnion, XXXX, and XXXX. While XXXX removed the negative report from my credit file, both TransUnion and XXXX have not taken similar action. 

I am requesting your assistance in resolving this matter. I believe that my credit report should accurately reflect my payment history and the transition from XXXX to XXXX. I would appreciate your guidance on how to proceed and ensure that this issue is rectified. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX XXXX XXXX XX/XX/XXXX