23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On Saturday, XXXX/XXXX/16, I deposited {$1100.00} in cash with an in-person teller at a Citizens Bank branch. I had reason to believe that these funds would be immediately available, but the funds did not post to the account until Monday, XXXX/XXXX/16. In the interim, I made transactions as I believed there were funds available. However, even on Monday morning, transactions were made that resulted in overdraft fees, even though the cash had been deposited the preceding Saturday. I accrued three overdraft fees, one of which was immediately waived by a Citizens Bank customer service rep. However, upon speaking to a Citizens Bank customer service supervisor, he claimed that the uncleared check deposit of {$480.00} resulted in these overdrafts. 
I performed the math more than once, and it did n't add up. Even with the transaction of {$200.00} made on Sunday evening to XXXX XXXX, I had reason to believe that I had funds available to clear these charges on Monday. The supervisor refused to waive these two additional fees of {$35.00} each. 
I expressed my disappointment and felt that it was unjust to charge these fees when I was under the impression that the funds were available. It is my belief that the cash funds of {$1100.00} deposited on Saturday, XXXX/XXXX/2016 should have been immediately available rather than cleared mid-day Monday. It has always been my impression that cash funds that are deposited in-person with a bank teller were immediately available to me to cover any transactions that follow. This is poor practice on the part of Citizens Bank, and I wish that they would be more understanding and diplomatic in regards to their overdraft fees.
Product: Debt collection

I told them on several occasions the person they are calling does not live here and they still continue to call. 

XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX , MO - XX/XX/XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX , MO - XX/XX/XXXX XXXX XXXX   XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these creditors have violated my rights Under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 604 A section 2 also states consumer reporting agencies can not furnish an account with out 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 any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2018 via united states postal mail, I received a letter from the XXXX XXXX company stating that they received validation from the illinois federal courts that a chapter XXXX and chapter XXXX bankruptcy is being reported under my name. lexis nexis is being dishonest in its investigation as I too requested any information being reported in regards to a bankruptcy under my name to the illinois federal courts as referenced in their original consumer file that I requested and received. per the illinois federal bankruptcy courts ( letter attached ) they have not reported such information to lexis nexis or any other credit reporting agencies. 



I
Product: Credit card or prepaid card

Citibank dba XXXX charged my credit card {$20.00} for a XXXX XXXX 2017 purchase from merchant XXXX. I did not recognize and formally disputed the charge, specifically asking for a copy of the charge. Citibank XXXX responded with a letter stating that it " had requested a copy of the sales receipt for the disputed transaction from the merchant ... .they have not sent a copy of the charge to us. '' Despite the lack of documentation, Citibank XXXX wrote " we consider this charge to be valid '', offering no proof whatsoever. And, Citibank threatened to " report ( my ) account as past due to the consumer reporting agencies ''. This is collusion between Citibank and XXXX. It is against the public interest for a bank and its credit card subsidiary to seek payment without any documentation of a charge.
Product: Credit card

I am filing this complaint about the internal policies of Citibank ( Sears Credit Card issuer ). I am in XXXX with the XXXX XXXX XXXX. Citibank dropped me off of the program, due to a late payment, which is understandable from a compliance view. 
However, after I got caught up, they refused to put back in the program. 
Even though, the late payment was due to medical bills and elderly care. 
All of my other creditor 's agreed to put me back on the program, its seems their policy is hostile to the customer as it allows them to charge higher than normal rates. I want Citibank to accept the proposal that was sent from the XXXX of XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX account # XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late twice. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XXXX of 2020. There was an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

I have a hard inquiry from XXXXUpstar on XX/XX/year> on my XXXX and XXXX report which I do not recognize
Product: Vehicle loan or lease

I leased a XXXX XXXX BMW for 36 months, at the end of my lease I turned the car in. a few months later I received a bill for {$1100.00}. ( {$350.00} deposition fee, {$150.00} for lost key, and {$600.00} for crack in windshield ). my problem is the {$600.00} for the windshield. When I returned the car I took a video of the car while the employee was taking my plates off. There was no damage to the windshield. I tried to explain to the collection employees who continue to call me. I told them about the video that I had, both employees said it didn't matter. I asked how could a video not be proof? Can you please look into this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Request for Removal of Unauthorized Identity Theft Hard Inquiries Dear TransUnion, I am writing to formally request the removal of unauthorized hard inquiries from my credit report. Upon recent review, I discovered several inquiries that I did not authorize, and these are negatively impacting my credit score. 

The unauthorized identity theft inquiries are as follows : XXXX - XX/XX/XXXX ( TransUnion ) XXXXXXXX XXXX XXXX XX/XX/XXXX ( TransUnion ) XXXX XXXX - XX/XX/XXXX ( TransUnion ) XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ( TransUnion ) XXXX XXXX XXXX XXXX  ( TransUnion ) XXXXXXXX XXXX XXXX XX/XX/XXXX ( TransUnion ) Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed copies of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have submitted an FTC report to the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. 

Please investigate these inquiries and remove them from my credit report as soon as possible. I would appreciate confirmation once the removal is completed or any further steps I may need to take to resolve this issue. 

Thank you for your prompt attention to this matter. 

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

Upon reviewing again my XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I write this complaint to you today with a heart heavy with disappointment, as I find myself entangled in a web of outdated and fraudulent information in my credit report. The credit bureaus ( XXXX, XXXX, and TransUnion ), entrusted with the responsibility of safeguarding the integrity of financial data, have failed in their duty, leaving me to suffer the consequences of their negligence. Despite my repeated requests for the removal of this misinformation, the credit bureaus have turned a blind eye to my pleas. They have ignored my rightful demands for accuracy, allowing erroneous data to persist on my credit report, casting doubt on my financial standing and impeding my access to fair opportunities. This outdated and fraudulent information has far-reaching consequences. It tarnishes my reputation, hindering my ability to secure loans, obtain favorable interest rates, or even pursue certain employment opportunities. The credit bureaus ' indifference to my plight demonstrates a disregard for the well-being of hardworking individuals like me. I implore you to rectify this grave injustice promptly. Remove the outdated and fraudulent entries from my credit report, restoring the accuracy and integrity that should be the hallmark of your institution. Failure to address this matter will only further erode the trust and confidence that the public places in your services. Let it be known that I will not rest until justice is served until the credit bureaus are held accountable for their transgressions. My voice shall not falter, for I stand united with countless others who have suffered at the hands of their negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple disputes to have a bankruptcy file from XXXX removed from my credit report. The 4 credit bureaus/ reporting agencies , XXXX , XXXX , Trans Union , and XXXX XXXX XXXX all have reported this information : XXXX XXXX  XXXX XXXX : CASE ID # XXXX Address : XXXX XXXX XXXX XXXX XXXX , IN XXXX Phone : XXXX Type : :XXXX  XXXX BANKRUPTCY DISCHARGED Date Updated : XX/XX/XXXX Date Filed : XX/XX/XXXX Court Type : US Bankruptcy Court Date Updated : XX/XX/XXXX Date Paid : XX/XX/XXXX These credit bureaus/reporting agencies are privately owned companies and have collected and posted my data without my knowledge or permission. I have reached out to the U.S. Bankruptcy Court about this issue and they responded as such, " the court does not provide any information directly to third-party information gatherers. " ( See attachment documentation ) I supplied this information to the reporting agencies and they still refuse to remove this information. In accordance with the Fair Credit Reporting Act, Section 1681 ( a ) ( 5 ), any case, civil or otherwise dismissed, no longer exists in the eyes of the law, and therefore the credit reporting agencies have no right to maintain this information which the government has deemed non-existent on my report. It is only causing harm to my person to obtain employment and better housing by lowering my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act, Experian has violated my rights. 

15 USD 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section, also states a consumer reporting agency CAN NOT furnish an account without my written instructions.

15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 35 A financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Repeated calls from company calling itself MCM. It is Midland Credit Management. This call was from number XXXX. No caller ID information associated with number. Call was on XX/XX/2022
Product: Mortgage

Company said they would just move my late payments to end of load 6 months later we were told we had to do a repayment program no other choice. Acid it wouldnt negatively affect our credit and would show current from the time of the repayment program and it showed past due until I finished the program
Product: Credit reporting, credit repair services, or other personal consumer reports

After being denied credit, I pulled my report and noticed several loans I did not obtain. TWO loans in particular are student loans from the federal government that has been removed from my credit report on many other occasions. These accounts were removed in XXXX, twice in XXXX, XXXX, and three times in XXXX. Since XXXX I have supplied the bureau with countless police reports ( 4 to be exact ), 4 ftc reports, 2 different signed affidavits etc. however this bureau is seemly the only bureau who keep allowing, not only the reinsertion of these two loans but keep claiming to have validated them but will not inform me on who it validated, who validated and by which method. 

these loans were taking out during the same time frame, obtained online and used my old address. I contacted the credit bureaus and was told to obtain ANOTHER police report, get ANOTHER signed affidavit of identity theft and report the accounts to the federal trade commission AGAIN. Per the bureaus request I did all of these things and sent them a packet certified mail with the information. 

the bureaus are now telling me I am not an identity theft victim but placed an identity theft notification on my report. 

AGAIN, these loans are federal loans that previously reported and REMOVED under XXXX, DEPT OF EDUCATIONXXXXXXXX  AND IS NOW REPORTING AS DEPARTMENT OF EDUCATION/XXXX AND OR JUST XXXX AND/OR XXXX XXXX XXXX XXXX literally every few years the name changes but they are the same fraud loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX depressed now.with no help.
Product: Student loan

Alright let me start at the beginning I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX used aggressive and deceptive recruitment tactics, such as pressuring me to enroll or take out loans or discouraging me from discussing my decision with family and friends. XXXX failed to live up to its obligations under a contract. 
My private loans I have been paying on these for a good while now the loans where through Navient I tried multiple times to call to get help to consolidate so I didnt have multiple private loans with all different high interest rates, I actually had to take a pto day off of work because I was on the phone so long with Navient support which they kept handing me off to the next person finally I just got upset and got short with them and finally a support guy was able to at least give me a number to call. The number they gave me was to XXXX which I guess they said was a sister company and the only one that would take this XXXX personal loans to consolidate them. So Ive been paying XXXX now a few months on time and I seen that Navient you can fill out a Misconduct Discharge Application and they will send you and you fill out and you could possibly get your private loans wiped out specially these XXXX private school loans. I sent the email requesting the form and this is what they sent me back. 
Thank you for inquiring about a school misconduct discharge for your private loan. Your loan type ( Refinance ) does not meet the criteria for you to receive an application. If you are having difficulty making your current payment amount on the loan and are seeking information on any options that are available to you for your specific financial situation, please call us at XXXX where a specialist will work with you to assist you further on this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Dear Sirs : I am having an ongoing dispute with Bank of America over unpaid school taxes from the escrow account for my mortgage ( Account # XXXX ). I have tried to resolve this with the bank on numerous calls with customer service. I have been put on hold for long periods of time and even been disconnected while hanging on for the representative to return to the call. 
On XX/XX/XXXX I received a notice from my local tax collector that my school taxes for 2020 had not been paid. I then logged onto Bank of America 's website and looked at my transaction and payment history. I saw a transaction dated XX/XX/2020 that showed that they paid XXXX for a tax dispursement. On XX/XX/2020 the correct amount to have been paid would have been XXXX. They paid XXXX, the tax with a penalty which was not correct. Then on XX/XX/2020 there is a transaction for a tax refund for XXXX. Apparantely the bank did not follow up to find out why this tax was returned. I don't know if it was sent to the wrong address and returned or if some other situation was in play. On XX/XX/2020 there is a transaction for Escrow Payment to Customer in the amount of XXXX. No explanation was given to me other than I had over paid my escrow. I believe that my escrow was overpaid because of the returned tax refund. 
After receiving the late notice and talking to the banks customer service, I called my tax collector ( XXXX XXXX ) and asked if he had received any school tax payment from Bank of America. He said that he had not received any payment from the bank and he certainly didn't return anything to the bank. The last day to pay these taxes will be XX/XX/2020. After that the bill will be turned over to XXXX XXXX, PA for collection. 
Customer service at BOA has given me various explantations why they have done nothing wrong even after laying out my problem as I have done in this document. At one point they opened a case file on this issue ( XXXX ). The case manager was XXXX and I was told that she would contact me within the next 48 hours. That was on XX/XX/2020 and I still have not received a call. At this point I have paid the school tax myself with the late penalty. If Bank of Ameirca had paid this tax on time, there would have been no penalty. I am only asking that my late fee of XXXX be compensated back to me by Bank of America. I have paid this mortgage faithfully and on time for over ten years. Bank of America 's customer service is abysmal and totally unresponsive to my needs as a customer. I would greatly appreciate any assistance you could give to resove this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : Violation of XXXX Code Law ( TILA 15 U.S. Code 1666 ( b ) - Billing Error ) Upon reviewing my credit report, I noticed multiple billing errors that violate 15 U.S. Code 1666 ( b ) : To Whom It May Concern, ( 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 unless they have adopted reasonable procedures to ensure each periodic statement, including the information required by section 1637 ( b ), is mailed or delivered to the consumer not later than 21 days before the payment due date.

( 4 ) Failure to Reflect Payment : The creditor failed to properly reflect a payment or a credit issued to me.

( 5 ) Computation Error : There is a computation error or similar accounting error on the creditors statement.

Since the creditor did not notify me 21 days before the payment due date, there should be no late payments on this account. I demand solid proof from the creditors bank account showing that I did not pay and was marked latethis is a billing error. The items below must be updated to " paid as agreed '' on my consumer report : XXXX - XXXX I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately.
Product: Checking or savings account

I recently as of XX/XX/23 applied for a personal loan which turned out to be a scam. My bank account, as well as my account with all of my bills and creditors has been impacted by this matter. I need help navigating my way through this matter and I need to report it as Im running into many issues while addressing this!