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

On the afternoon of XX/XX/XXXX, I transferred money from my Chase checking account to make a payment to my Chase credit card. As of XXXXXXXX XXXX XX/XX/XXXX, the payment is showing " pending '' in my checking account and my credit card account has not received the payment. 

This is one bank! There's no reason for the transfer to remain pending for an entire day. The funds have been removed from my account but not received by the credit department. So where is this money? 

Further, my credit card incurs interests cost for this time in which there is higher balance on the card. A balance which would be lower if the payment had reached the credit department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several complaints against XXXX XXXX XXXX for the same issue. They admit that payments are falsely reported as late and then they correct it when I file a complaint only to go back and add the same information back to my credit report at a later date. This was just corrected onXX/XX/XXXXand then on XX/XX/XXXX they add the negative information back to my credit report again.
Product: Money transfer, virtual currency, or money service

My husband and I saved to purchase a boat. He found a XXXX XXXX XXXX XXXX XXXX  For {$78000.00}. He inquired online and XXXX XXXX ( XXXX ) emailed him more pictures and info about the boat. We decided to purchase the boat and have it delivered. XXXX said that he was using a 3rd party broker to sell the boat and handle the escrow $ until we received the boat. The escrow company is called XXXX XXXX XXXX at XXXX. XXXX XXXX XXXX XXXX, XXXX, FL XXXX. The money was sent from our XXXX XXXX as a wire transfer to Wells Fargo bank account as listed above. We were suppose to get an email confirmation on XX/XX/XXXX for the delivery time of the boat. Which never came. We then went back to the websites where the information was on the boat and they were all disabled. This is when we realized that it was fraud and they stole our {$78000.00}. No boat was ever received and XXXX XXXX XXXX was not a company and XXXX XXXX is not a person we believe. I contacted Well Fargo and they told me the money was still in the Well Fargo account. I ask them to freeze the account so we could get our money back. They stated they couldn't do that. Well Fargo is being used as a money laundering bank for these criminals. 

A complaint was filed through XXXX XXXX police in Minnesota. 

A complaint was filed in XXXX XXXX, Florida, police A complaint was also filed and office went to the Wells Fargo Branch We filed a complaint with the FBI through the XXXX website. Have not heard back yet. 

We filed a complaint with the FTC.
Product: Checking or savings account

Ive filed a few disputes with the bank On XX/XX/XXXX because my identity was stolen a total of {$4800.00} was taken out of my account, a check was additionally added to my account that was unauthorized, they did not honor my dispute on XX/XX/XXXX so I asked for the case to be reopen, they told me I wouldnt be able to get my money back until after the case was closed because I asked for credit to be rushed, I call a week later and Im told that my dispute is being closed again because of information they kept leaving out, Dealing with Huntington bank they treated me as if I were the criminal and not only that I lost over XXXX, which is absolutely ridiculous!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX.is reporting on my XXXX and XXXX that I have two missed accounts but it states they are current. This is confusing and misleading to future creditors. If my accounts are current how are they missed. This is the type of fraudulent and misleading information that in violation to FCRA.
Product: Checking or savings account

I bank with Regions, and recently, my debit card was somehow compromised. I think it may have been because of a skimmer, I just don't know where it would have been. On XX/XX/XXXX, I noticed multiple charges to my account that I did not make after checking my account balance because my debit card got declined. There was a cleared charge from XX/XX/XXXX from " XXXX XXXX '' in XXXX, IL for {$1.00}. XXXX XXXX seems to be a car wash vacuum from what I can tell, or something of that nature. There were also pending charges for XX/XX/XXXX from a XXXX  XXXX store in XXXX, IL, as well as two charges to a XXXX 's store in XXXX, IL, and a water park called XXXX XXXX XXXX in XXXX XXXX, IN. I live in XXXX XXXX, IL, which is at least two hours away from the XXXX area that the cities of XXXX and XXXX are located in, and a similar distance from XXXX XXXX, IN. I live and work in XXXX XXXX, IL and have not been anywhere near these cities for quite some time ( and have actually never visited them even when I have been in that area ), so it would have been impossible for me to make these charges myself. When I noticed the charges, I immediately left work and went to my local Regions branch to see what I could do. I was told to wait until the pending charges cleared and to come back when that happened to file a claim against the charges for fraud. They did cancel and destroy my debit card at that time. The charges did not clear until I believe XX/XX/XXXX, and I was unable to get back to the branch until XX/XX/XXXX. On XX/XX/XXXX, I went into the branch and made the claim. I tried to also order a new debit card but because the charges had cleared out my account, my account was noted with a " soft close '' and was told I had to wait until my account was funded again to order a new debit card. I got paid via direct deposit on XX/XX/XXXX, and attempted again to order a new card, but was told my pay was still pending and the account would not show as opened again until it cleared. On XX/XX/XXXX I went back and the pay had cleared and my account was opened, so they ordered a new card. On XX/XX/XXXX, I received a letter from Regions detailing the charges I filed a claim against and that they would not be refunding me for the charges. Under each charge, the reason was, " Transaction verified with your card credentials. No report of card loss, theft or compromise. Transaction passed fraud analysis. '' I find this completely unacceptable, especially given my transaction history shows charges that I was, in fact, making myself in my home area when the fraudulent charges were also being made. On my statement, I've highlighted the fraudulent charges. On the statement, the XXXX XXXX charge ( {$1.00}, XXXX, IL ) is posted for XXXX. The XXXX XXXX charge ( {$23.00}, XXXX, IL ), the two XXXX 's charges ( {$21.00} and {$8.00}, XXXX, IL ), and the XXXX XXXX XXXX charge ( {$36.00}, XXXX XXXX, IN ) are posted for XXXX. On the letter I received from Regions, the XXXX XXXX charge is listed as XXXX, the XXXX XXXX XXXX and XXXX 's charges are listed as XXXX, and the XXXX  XXXX charge is listed as XXXX. I will try to attach that was well if I am able.
Product: Credit reporting or other personal consumer reports

I Disputed a bankruptcy that reporting on my credit report an error. I have a letter from the courts advising this information has been updated and removed. 

Ive disputed the item with TransUnion all of which confirmed the record was verified by the courts. I have attached a copy of the letter from the courts advising this item has been removed and updated as error.
Product: Money transfer, virtual currency, or money service

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

Need your help on removing all credit report that is not mine please can you can you help me? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX sold my mortgage to XXXX on XX/XX/XXXXXXXX XXXX XXXX, I was never sent a letter to inform me of this change. I had my bank account set up to auto draft my payment every month. I had been in my house over 14 years and have never missed a payment. When my bank sent the payment to XXXX  after they had sold the account XXXX sent the payment to XXXX. Then the next month when XXXX received the payment they sent it back to my bank. I was not aware of the change until my bank contacted me and told me the payment had been returned. I contacted XXXX  who told me they had sold the account. Then I contacted XXXX at which time the payment was already late. XXXX told me that if I provided them with proof that my bank had sent the payment to XXXXl on time and a good faith letter from XXXX admitting it was their mistake they would amend the credit report. I sent them both of those things and they refuse to fix the missed payment report. I have USPS reporting that sends me a email of all my mail, I never received a notice that my mortgage company had sold my mortgage and that I needed to take action.
Product: Credit reporting or other personal consumer reports

Equifax has failed to obtain my report based on CFPB submitted information & has violated the FCRA as they " could not obtain a report ''
Product: Checking or savings account

Hi on XX/XX/21 Citi bank notified me that my checking account will be closed and they would be mailing my money ( {$15000.00} ) to me and it is now middle of XXXX and they are still holding my money hostage i want money back to me asap ( fast ) and i also want interest paid for them holding my money and doing whatever they are doing with it this is ridiculous if any of these people were in my shoes they would be thinking the same thing plz help with thanks. 

I've never had deal with something like this from a bank. 

This happened all because I funded the account from my credit union and they don't like credit union obviously lol.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX  inaccurately reports card balances to CRAs to be viewed as revolving credit without a credit limit. This practice has led to higher balances being reported than what is due and furthermore has resulted in multiple decreases in my credit scores across the bureaus due to the credit utilization algorithm. 

Info on reporting and payments with XXXX  : 1. Card statement is from the XXXX to the following month on the XXXX. 
2. The XXXX credit card payment due date is the XXXX of each month. 
3. The XXXX payment date is the XXXX of every month. 
4. I add funds to my XXXX credit card and XXXX will put aside payments for the card and pay automatically on the XXXX of every month. 

Issues : 1. The payment date occurs on the XXXX of every month even though the statement cycle is XXXX to XXXX. This means the amount due is always based on the month prior balances. 
2. Since balances are based on the month prior, a balance carries over into the next billing cycle. Thus a constant balance is reported to CRAs. XXXX adds account notes saying the account was paid in full, but this is inaccurate based on the balances reported. 
3. Due to the misleading/inaccurate XXXX reporting, this has affected my credit utilization and resulted in my credit score dropping two to three times significantly. 
4. XXXX acknowledged twice that the reporting date does not align with the statement date nor the payment date, yet they continue to falsely report that I have a balance when I do not. 

Specifically : On XX/XX/2021, my credit score dropped an average of 23pts across all bureaus. 
Reason : XXXX updated the bureas that I had a balance increase of {$140.00}. Bringing the total balance to {$430.00}. On XX/XX/2021, XXXX sent the XXXX builder statement showing that {$290.00} had been paid on XX/XX/2021. This means that XXXX should have updated the balance on XX/XX/2021 to only be {$140.00}.
Product: Credit card or prepaid card

On XX/XX/2023 BARCLAYS BANK DELAWARE, XXXX XXXX XXXX, XXXX, DE, XXXX, ( XXXX ) XXXX, made an unauthorized fraudulent credit inquiry thru XXXX XXXX, and on XX/XX/2023 opened an unauthorized fraudulent carnival XXXX master card account using my personal information without my knowledge or consent, they appeared to have stolen my personal information to open a fraudulent carnival XXXX master card account for {$8000.00} I only got this information from them thru a phone call.
Product: Credit card or prepaid card

1. Received XX/XX/22 XXXX. " CHIME DEBIT VISA '' 3. Includes my name, routing number, account number, exp date, and CVV on card 4. Includes paperwork with my personal information with the request to activate and sign to allow my employer to direct deposit my paycheck to get paid " 2 days early '' 5. I did not request this card or services. I have never heard of CHIME before receiving this. 

chime.com XX/XX/XXXX, member FDIC XXXX XXXX XXXX XXXX XXXX, XXXX DE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX pulled my credit report without authorization
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Al, XXXX SS # XXXX XXXX XX/XX/XXXX XX/XX/XXXX Dear Sir or Madam, I am writing to formally dispute the accuracy of information listed on my credit report. In accordance with the Fair Credit Reporting Act, Section 1681i, I request a reinvestigation and correction of the following information : Name : XXXX XXXX Account # XXXX Name : XXXX XXXX XXXX Account XXXX Date XXXX Balance : {$1800.00} Name : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX Date Opened : XX/XX/XXXX Balance {$160.00} Name : XXXX XXXX XXXXXXXX XXXX Account XXXX Date XXXX XXXX {$1700.00} XXXX believe these accounts are inaccurate and the information is incomplete Please investigate this matter within the 30-day period as required by law and correct or delete the disputed item from my credit report if it can not be verified. If the item is verified, please provide me with the method of verification as required by the FCRA. 
Thank you for your attention to this matter. I look forward to your prompt response. This information is harming me mentally and financially. 

Sincerely, XXXX XXXX
Product: Student loan

On XX/XX/XXXX I contacted Mohela about why my application for the IDR/save plan had been " processing '' since XX/XX/XXXX. When I did not receive a response I called in and was eventually told it could not be processed because I had paid ahead and they were working on correcting the problem. When I saw on XX/XX/XXXX that I was being billed a monthly fee, and that my application was still " processing '' I contacted Mohela to make sure this would not continue to post-pone the processing of my IDR/save plan application. The only response I received 20 days later was that more information was needed, but did not say what information was needed to answer this question/concern.
Product: Vehicle loan or lease

Ive spoken with Truist Bank on multiple occasions regarding some checks that were sent from XXXX XXXX XXXX XXXX, which would close out the remaining of the loan since the vehicle was a total loss. Ive spoken with multiple representatives over the past 2-3 months that mentioned that they would escalate my issue with the checks not being applied to my loan balance. As of today, the loan is still open and accruing interest. One of the checks from XXXX XXXX was cashed by Truist and never applied to my account. I sent three emails to XXXX on separate occasions regarding the checks that never applied to my account and no one ever gets back in touch with me. I began to wonder if they are discriminating against me due to my name being XXXX. There is no follow up and this has impacted my credit score.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Student loan

On XX/XX/23 I had completed a XXXX application in preparation of student loan repayments starting. By XXXX I still had not received any confirmation regarding my application. I called MOHELA and was told that my application was denied due to missing documentation, even though I had linked my IRS account with my application. The customer service representative I spoke to told me I could complete a new application over the phone and would be able to self-verify my income and family size and that it would take 10 business days for my application to be processed. Until then my account was placed in forbearance. 

XX/XX/XXXX I received a letter stating that my application was yet again denied due to missing documentation. I contacted MOHELA again, and was told that the letter was pertaining to my previous application. This customer service representative informed me that I needed to submit additional tax year documentation. I asked why it was needed when I had already linked my IRS account - the representative would not answer my questions. I asked why I was told that I could self verify my income and family size, if they would not accept self verification - the representative would not answer that question. I asked how long it would be before this application would be processed and the representative informed me at least 90 days. And that I would still be responsible for all payments- which exceed {$1000.00} per month- which I can not afford. 

I have tried calling back numerous times for updates on my application, to extend my forbearance until the application is processed, and to ensure that they have received all required documentation. Wait times exceed 5 hours, I have been hung up on and not called back. I can not receive any information regarding my account status, decreasing payments, or extending a forbearance.
Product: Checking or savings account

I have my payroll direct deposits going to my Capital One account and a recent " technical outage '' with XXXX XXXX is now going into day 2 without resolution. This is unacceptable going into a bank holiday weekend ; there should have been measures in place remedy this situation within 24 hours. 

I've been a customer of Capital One for a while and though I understand the impacts of technical issues, this has " soured '' my willing to continue to do business with them. The lack of consistent updates to affected customers shows there may be more going on that what is being disclosed. 

Two deposits totaling over XXXX XXXX is no where to be found, fortunately I have my paychecks stubs to confirm they were transmitted successfully. This should never happen again to customers that entrust you with their hard earned money. We deserve full transparency!!
Product: Debt collection

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Product: Checking or savings account

Unbeknownst to me Huntington National Bank closed my account on XXXX XXXX 2017. I did not know about this till XXXX XXXX,2017 after I finally managed to get to some human being after placing numerous calls to the bank. The manner in which the account closer was handled had negative repercussions for me. I had a credit card payment scheduled : # 1. XXXX XXXX 2017 ( to XXXX XXXX XXXX {$810.00} ) and noticed that payment was returned and Returned Payment Fee ( {$25.00} ) was applied to my credit card account on XXXX XXXX 2017. I had no idea what was happening as I had more than enough funds in my Huntington Bank account to cover all my bills. # 2. XXXX XXXX 2017 ( to XXXX XXXX {$190.00} ) - Payment has been returned on XXXX XXXX,2017 I also scheduled a money transfer from XXXX XXXX to Huntington for the amount of {$350.00}, It was returned back to XXXX XXXX  and when i inquired what is happening, I was told that Huntington account was " dormant ''. So I thought it was just some kind of a glitch as I used the account regularly and initiated a new transfer fro XXXX XXXX to Huntington for the amount of {$520.00} ( XXXX XXXX2017 ). This transfer has never been credited to my Huntington Bank acct, nor it has not been returned back to XXXX XXXX still. On XXXX XXXX 2017 I was in the branch and made a deposit in amount of {$100.00}. It was accepted and again, no one told me anything. And on XX/XX/XXXX, when I realized that BillPay of my Huntington acct is not working I went to the bank again and withdrew {$810.00} to pay off my XXXX credit card. No issue.. No warnings.. Nothing.. During my visit I was given a phone # ( XXXX ) to call to find out why BillPay is not working. I left a message and nobody called me back. On XXXX XXXX,2017 I finally was able to get a hold of a human and was told that bank decided to close my account. No other clarification was given. So, today on XXXX XXXX,2017 I went to the branch and asked for all money I had in that bank account. It was simply a waste of time. No one at the branch, including the branch manager ( XXXX XXXX XXXX XXXX, XXXX, OH XXXX ) was not able to give me my money. I was told " we have limited responsibilities '', that my account was closed on XXXX XXXX, 2017, it is on hold and basically they can do nothing. And gave me a phone # ( XXXX ). No one has returned my call still.