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

I used my Albert card for a security deposit at The XXXX XXXX XXXX XXXX, XXXX NY on XX/XX/22. The hotel placed a {$60.00} hold on my card and informed me the funds would be released at the time of check out on XX/XX/22. When I checked out of the hotel I was informed that the funds were released in full and I would be receiving my full {$60.00} back within 24-48 hours. After 48 hours I did not see the deposit back in my account. I reached out to Albert about the issue and they told me the hotel had not released the hold. I immediately called the hotel and they informed me that they had in fact released the {$60.00} hold and to contact my bank about the issue. I had the hotel email a statement with proof the funds were released. I am now going on 3 weeks with being ignored by Albert about this situation. They have continued to ignore me and when they actually do respond they tell me they are working on it and give me no timeline or explanation about where my money is. This lack of consideration to me at their customer has caused me to receive over draft fees along with emotional hardship from not receiving any support of explanation as to what is occurring. The fact Albert denied any fault until I showed them proof the hotel released the hold goes to show their shady business practices. The fact I have been ignored, neglected, gone into debt and now have financial hardship along with emotional distress also shows they have no consideration for their customers.
Product: Debt collection

Original charge from XXXX. I cancelled our service on XX/XX/XXXX. They continued to bill us for service afterwards. I received notice XX/XX/XXXX from XXXX that my outstanding bill was for {$410.00}. Since the account was cancelled I could not access online statements and determine the reason for {$410.00} bill. On XX/XX/XXXX I spoke with XXXXXXXX  rep XXXX to resolve the problem. She indicated that the true outstanding based on the XX/XX/XXXX cancel date was {$170.00}. I paid XXXX  {$170.00} on XX/XX/XXXX and thought all was resolved. Subsequently I continued to receive bills from XXXX with a different amount each time. Sometime later XXXX assigned the account to a collection agency Credence. Unbeknownst to me, Credence attached a collection notice on XX/XX/XXXX which has affected our credit rating to the point where attempts by us to obtain credit has been refused.
Product: Credit reporting or other personal consumer reports

I received a Promotional Offer from OneMain Financial an when I went online to review what amount was being offered, a screeen popped up and published the following info : Looking up your offer won't affect your credit score. I reached out to OneMain Financial and I was told to provide my Bank Stmts, and I told them No. I was then told the offer I qualified for was denied, because I did not provide my Bank Stmts. I retrived my XXXX Credit Report and was I had a Hard Inquiry on my Credit Report and I lost 2 points. 

I filed a compliant with XXXX, and they informed me that OneMain Financial refused to remove the Hard Inquiry. Please see the following documents attached : OneMain Financial Promotional Offer ; the published notice that my credit would not be effected ; the Offer from OneMain Financial, and the response from XXXX. 

OneMain Financial is publishing false information, to Consumers, and effecting their Credit, they are also requiring Bank Statements, that they are not entitled to, if they want to verify Income, or as I was told a Mortgage Payment, they should have reached out to the IRS or my Mortgage Company. Unbeknownst to them, my Mortage Payment comes from my Investment Account, not my personal checking account.
Product: Debt collection

This debt collections company contacted me today stating I owed XXXX different payday loan companies I have never heard of. They were able to verify my old email address at the time as well as my bank. I know I do n't owe because I just recently checked my credit report and none of these companies have ever been listed at any point in time, nor are there any matching amounts. This company can seriously SCAM innocent people out of their money. I know my consumer rights and this is out right wrong of them.
Product: Checking or savings account

On XX/XX/2023 Bank of America automatically and unlawfully froze my Business checking account as a result of its flawed fraud detection program, significantly impacting my business ' ability to pay staff and contractors and offered XXXX recourse despite the fact that there was no fraud and all transactions were previously verified verbally over the phone with a Bank of America Representative, also via text, and through the online banking portal prior to the account freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to acknoledged my dispute. expect me to except there form of verification without proof. Enclosed are two reports both reports are direct result from a dispute i opened on XX/XX/XXXX with a completion date of XX/XX/XXXX, The Statuse update shows XX/XX/XXXX completion Experian did not notify me, by mail and that the information was only available online. I checked and the status update was listed as XX/XX/XXXX. My dispute was to vaildate and UPDATE correct information. NO UPDATE was given. I called and after hours on the phone. they posted another update but the status update was still the same with a comment that a balance is due an updated as of XX/XX/XXXX BUT still showing a status update as of XX/XX/XXXX. Unless Experian are time travels the status was updated on XX/XX/XXXX and a statement was added on XXXX. That is illegal to add the statement to an already exsisting update and telling me it was validated when on there own website it clearly states a contradiction. the statement is false and unverified. 

I called on XX/XX/XXXX to try to resolve the issuse and I told the representative I AM NOT calling to dispute. never the less without my permission another dispute ws open. My monitoring systems alert me of dispute and I called then IMMEDIDATLY, without doing a proper investigation the dispute was completed on the same day, which is also a violation of my rights. I enclosed a full detail letter along with both copies of report.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX   XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Checking or savings account

I never received my direct deposit in the amount of {$68.00} from my employer ( XXXX ) that was sent on Wednesday, XX/XX/2025 at XXXX into my Capital One checking account. I was assured that they were just having some technical issues, and the money would be deposited into my account on the morning of Friday, XX/XX/2025. I have yet to receive this money, and its almost the weekend where banks will not be open for 3 days.
Product: Credit reporting or other personal consumer reports

Balance details XXXX % paid off Balance {$3300.00} Balance updated XX/XX/XXXX Original balance {$3300.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$3300.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX XXXX Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement - Contact info Name XXXX XXXX Address XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX Is
Product: Debt collection

I contacted Velo law today multiple times after finding their information on my credit report. I was hung up on 5 times for not wanting to verify my social security number. While I was on the phone with them my friend said they already talked with her, called her my spouse, and tried to get payment. When I was connected with someone else who used other information for verification I explained they tried sending mail to a rehab treatment center and for obvious reasons the treatment center didn't allow that. I also explained that I should have never received a bill, XXXX XXXX XXXX XXXX under XX/XX/XXXX XXXX XXXX XXXX. They have placed me on a do no communicate list and said if I want any information I need to write them. I'd rather go in person because of XXXX. I told them sending a letter is difficult without some type of assistance and they hung up on me again. Everyone with the company calls themselves XXXX but they demand first and last name, address, and date of birth. There is no way to make a complaint and they recommend getting a lawyer.
Product: Credit reporting

My credit report have 7 years old accounts still showing and student loans and creditors that included in bankruptcy still listed individual double my credit ratio making my score low. The accounts listed in bankruptcy should be listed still on report but they removed bankruptcy XXXX. The bankruptcy and all creditors still showing from XXXX to XXXX. My student loans debt double they charging putting extra money to pay back on the balance of XXXX bankruptcy that was paid in chapter XXXX. I asked for a copy of the original balance bill with my signature on it that on my report no answer in for inquiries. Equifax has replied lowered my score more. Why third -partiy are listed with same amount with the original creditor it not fair XXXX XXXX and their XXXX party XXXX XXXX XXXX {$580.00}.
Product: Mortgage

My husband and I purchased XXXX properties for use as a warehouse and a showroom for his flooring company in XX/XX/XXXX A few months after purchasing the second property, the recession occurred which resulted in the company going into default with the mortgage payment. The lender is M and T Bank. An attorney who we had hired to advise on the matter, advised us to sell the properties by short sale as this would resolve the issue with the amount owed to the bank. We sent a copy of the short sale documents to the attorney and he advised us to proceed with the short sales. In XX/XX/XXXX we began receiving notices from M and T Bank stating we were owing approximately {$180000.00} which we have not been able to pay as I 'm the only working .As a result M and T has placed a judgement against us with the intent of selling our home.
Product: Money transfer, virtual currency, or money service

This complaint is in regards to Chase Bank. 

The following 3 wire transfers are ones that I sent from my Chase checking account to XXXX XXXX Chase Checking Acct in DE. I truly believe all 3 are part of a scam. 

1. ) XX/XX/2021 - {$650.00} - Transaction # XXXX # XXXX. The recipient states that she was robbed of the money and her phone upon leaving the bank. Did not file a police report and still did not even after I asked her to. She sd after that she would return the money, but it was always an excuse. And took out a 3 mo salary advance and still couldn't return it. 

2. ) XX/XX/2021 - {$500.00} - Transaction # XXXX # XXXX. Once again recipient states she was robbed of the money and once again, did not file a police report and wouldn't when I asked. 

3. ) XX/XX/2021 - {$700.00} - Transaction # XXXX # XXXX. The recipients bank would not let her receive the wire transfer, locked her acct and DE police brought her in for questioning. Its just sitting in her acct. 

I have been dealing with this issue for 2 months. The Chase Wire Research Dept has a phone number but don't answer it and mgr I spoke to does not know why. The voice message just says to send a secure message. 

I kept getting repeated messages stating still ongoing, no latest update from receiving bank. Also tt your assigned banker, don't have one and haven't in 3 yrs. The lady I have tt in the past has told me she can't tell me anything more than what is on her screen. 

Today they tell me that I should contact Fraud Claims. Thats where I started and why it got to Wire Research Dept.

Also today they tell me that they have tried to recover the money but no response from credit party.

I have asked to tt a mgr/supervisor in Wire Research , request gets ignored. I have asked for a branch mgr and phone # for recipient bank in DE, they say they don't have that info, but they have been messaging somebody. I have also asked for the address so I can call and get info of who to tt, again, request gets ignored.

I truly feel like Chase does not care about their customers.

I have filed a complaint with XXXX  about Chase Bank, the FTC about the fraud/scam issue, now you folks.

I look forward to hearing from you. 

Thank you XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

The company store I originally applied for the loan with has XXXX XXXX, Ga at Titlebucks. Theyve switch several employees consistently. They informed about a rollback payment option that would help me pay my renewal without the risk of getting my vehicle picked up. The new round of employees are now starting that there is no rollback option and that they have no idea what Im talking about. The practices that this company has been doing is absolutely ridiculous. They are stating that I am 55 days late but the corporate office is only stating that I am 31 days late. This is what doesnt make sense. I paid the rollback renewal for XXXX and should be paying XXXX but they are refusing to acknowledge that. Along with charging fees that I was unaware of and making me renew the loan each time I do a renewal payment. I have XXXX kids and this loan has made it harder for my family overtime. Ive paid over XXXX XXXX dollars including the XXXX I paid in XXXX to receive my vehicle back. Pawn fees, etc were never informed to me when originally applying for the loan. The lady pushed a higher loan on me then applied for also. This has been a difficult situation to go through and its making things harder for my family to survive. They also have another loan in my name that I didnt take out that they keep contacting me about. Company has put me in default since my initial complaint and working against me.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( Strawman Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2000.00}XXXX XXXX XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$8.00XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX Child Su Account # XXXX date opened XX/XX/XXXX XXXX {$0.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00} Inquiries : 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, in. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

status date as of XX/XX/2022 there has been recorded on my credit report from Hunter Warfield from XXXX XXXX XXXX and XXXX for {$570.00}. Balance was updated XXXX XXXX, 2022. I was not notified of this charge until after it was reported on my credit. This was from a my previous residence. I was told that they would have to keep my security deposit which was {$670.00}. When I departed from the home there was nothing wrong with it everything was intact with no damage. It may have needed painting due living there for 2.5-3 years.
Product: Checking or savings account

Things aren't adding up here when I use this company. There was a {$80.00} fee at a gas station that was not made by me. The company would not reverse the charge. They now took away the ability for me to even change my password online. They also are charging excessive exorbitant fees. I really think you need to take a look into this. At this point I am choosing another bank. It's getting pretty weird.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I closed on my first new home on XX/XX/2023, and took a loan for {$690000.00} with a 6.5 % interest rate. This was an interest only mortgage. {$4900.00} was paid at closing. Of this amount, {$1300.00} went to Interest and {$3500.00} went to Escrow. 

On XX/XX/XXXX, my first mortgage payment was due and {$5500.00} was removed from my checking account on Autopayment ( {$3700.00} of Interest and {$1700.00} to Escrow ). 

For whatever reason, the bank made an error and is saying they sent me back {$1700.00} and I still owe my XXXX mortgage payment and now my XXXX mortgage payment which was supposed to be auto-debited, and was not. 

Therefore, Citizens Bank has made multiple errors in this process : XXXX ) Stole the money from my first mortgage payment, and is saying I didn't pay it ( even though they have records of my payment ), 2 ) Not auto-paying my 2nd mortgage payment or allowing me to make a 2nd mortgage payment and stating I owe 2 mortgage payments values, and 3 ) The most critical thing to overcome is that Citizens Bank filed a report with the Credit Bureau saying I missed my first mortgage payment, which is categorically false and this is the most important thing that must be resolved on their end. As my credit score dropped nearly XXXX points from Citizens Bank 's gross incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit report that are older then 2 years. These are inquires from XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX, XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX, Removal date : XX/XX/XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Product: Student loan

I previously sent a complaint. After I recieved a message from ed financial stating that my loans have been absolved. I even took a screen shot of it. Now I have another message stating that I still owe money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX. I recently was at home doing a routine credit check for myself. As i'm going down the list of items on my report I noticed somethings that i'm certain are not mine. I was advised to contact this agency.. I also contacted my local police and FTC. These items are not mine and need to be deleted from my credit report. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Inquiries : XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I sent a letter asking them to reinvestigate these accounts listed below because XXXX XXXX XXXX XXXX XXXX  open date is not reporting correctly, date last activity, date of last payment is not correct, this account is not accurate XXXX XXXX XXXXXXXXopen date is not reporting correctly, date last activity, date of last payment is not correct, this account is not accurate I also got the investigation back but noticed nothing was modified or updated So I requesting a description of the reinvestigation and they do not provide me which is a violation of 15 USC 1681i7.

Violation of 15 USC 1681i ( 5 ) They have not responded to me here is my tracking number : XXXX that was sent certified and someone signed