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

On XX/XX/2022 I went to Citizens Bank, XXXX XXXX XXXX, XXXX, MI XXXX, to withdraw my Social Security check which was direct deposited on XX/XX/2022. This was the first time my Social Security check was direct deposited in Citizens because before that, I had it direct deposited in my XXXX XXXX 

When I asked to withdraw the money the teller told me that there were three checks written out, one for {$500.00}, one for {$400.00} and one for {$1000.00}. I told her that I do not have any checks with Citizens so I had to report it to one of the banking people at the desk. Her name is XXXX XXXX XXXX, XXXX. I got back my {$500.00} within two weeks because she said it the same person who was on the other two checks, XXXX XXXX, tried to cash it at a Citizens bank so they said it was fraud. I was told that the first check for {$500.00} was a paper check, but it doesnt show on my checking account statement what number it was or that I can view it. 

I was calling the online people at the bank and the fraud department practically every other week. One person said it would take 6-8 weeks to process. Another person said dont worry since it was the same person on the {$500.00} check you should get your money back on the other two checks. 

One week ago, I got a hold of a bank supervisor with the fraud department and she said that she is going to put a rush on it since I have been waiting so long, 7 weeks, and gave me a new claim number : XXXX. She also said that it got directed to the wrong department at first and the online department should have handled this since it was a computer generated check. ( Someone also said he paid bills with these checks. I dont know how they know this. ) I got a call yesterday, XX/XX/2022, and after 8 weeks she said the online fraud department said they feel it wasnt a fraud and I am not going to get my money back. She also said I can re-file and tell them to check it over again.
Product: Checking or savings account

XX/XX/XXXX XXXX taken out XXXX payments of XXXX and XXXX of XXXX on XX/XX/XXXX Wells Fargo refunded XXXX and XXXX XXXX XXXX made a mistake hit the button withdraw to many times so they refunded XXXX on. XX/XX/XXXX also refunded XX/XX/XXXX XXXX refunded back to XXXX now I called XXXX different times and was assured that my money was not given to XXXX XXXXXXXX I spoke to XXXX XXXX XXXX looking at account and could see were XX/XX/XXXX XXXX was given back to XXXX so XXXX out XXXX I called today XXXX different people on phone transferred me back and forth XXXX was XXXX me that he can see it just dont see the claim number but Wells Fargo just XXXX XXXX to refund my money so XXXX told I have XXXX come to branch well XXXX XXXX XXXX get out XXXX XXXX XXXX so it was left that they wont do nothing because accounts closed but on XX/XX/XXXX XXXX was send this to XXXX department escalating this issue but never heard back that why I called today XXXX time now and I live on fixed income I need my money because XX/XX/XXXX XXXX was reversed back to XXXXXXXX XXXX  and thats not owed to them at all XX/XX/XXXX XXXX sent me statements
Product: Vehicle loan or lease

My vehicle loans is serviced thru Satander Consumer USA. I cancelled my XXXX XXXX XXXX Contract and the Diesel Maintenance Plan for my XXXX XXXX XXXX with XXXX XXXX 's XXXX  XXXX XXXX on XX/XX/XXXX. I called the insurer and they stated that they cancelled the contracts on XX/XX/XXXX and sent a refund to the dealership for amounts {$2100.00} and {$2300.00} for a total amount of {$4500.00}. I spoke to the dealership and they stated they sent a check to Satander Consumer USA on XX/XX/XXXX in the amount of {$4500.00} but the check hasn't been cashed. I have contacted Satander Consumer USA on multiple occasions to verify that the refund was applied to my account, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and each time I have been told they haven't received a refund from the dealership. I believe Satander Consumer USA has received the check, but their office has been negligent to deposit the check and/or apply the refund to my account and I am being charged a high interest rate on a balance that should be lower.
Product: Debt collection

I was taken to XXXX Hospital in XXXX of 2016 for a emergency, I had government issued health insurance which covered my medical bills 100 %. After a few months I started getting bills from the hospital saying I owed XXXX from the hospital. I tried many times calling in my insurance information to the hospital for them to send to the insurance, they did not put it through to my insurance but instead kept harassing me with bills again. I once again called in my information to the hospital. The hospital charges are broke down into each department that treats you. Every department put my bill through to my insurance all except XXXX themselves. Now they have sent it too collections. I have tried to dispute it through XXXX but they denied me even though I gave them all the information. XXXX Hospital has to have my insurance on file because I was seen in their emergency room in XX/XX/2016 for a XXXX XXXX, that lead to XXXX in XXXX for a XXXX XXXX that was covered XXXX by my insurance.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXubject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy. 

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files. 

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the 30-day timeframe required by law. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

I received several automated calls on XX/XX/12 advising I had a past due balance. I immediately contacted Toyota Financial customer service, explaining that to my knowledge all auto/recurring payments of {$400.00} ( the amount in my contract ) had gone through and I was confused how I had a past due balance. The representative was immediately confrontational, cackled at me and said sir, Im not sure how you couldve thought your payment was only {$400.00}. I asked her to pull up my contract, and she laughed, replied I can see right here your payment has always been {$420.00}. I asked multiple times for clarification why my payment increased ( and when ) and she could only offer that it may have been due to a refinance. I did not refinance my lease. Because the conversation went nowhere, I asked for a supervisor. She laughed again, and refused to transfer me to a supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many inquiries on my credit report from XXXX, Equifax, and XXXX. I already submitted a dispute with XXXX. 

I have a fraudulent alert on my credit report that the only time anyone can run my credit it is someone calls me over the phone to verify it is me doing the inquiry or that I am present at the store with a phone ID and representative calls in to their credit office. All my credit cards that I have acquired have been done with that process. I have asked requested disputes prior and they have been ignored by these XXXX major credit bureaus. They have asked for proof, the proof is on their report with a fraudulent report statement in there on site when you pull my report.
Product: Money transfer, virtual currency, or money service

I have tried multiple time to activate my checking account with the XXXX  app and PNC 's checking account ( virtual wallet ). I always get the same privacy statement saying PNC does not trust outside apps or money apps. I called and talked with several representatives who stated it was always on the XXXX  end and that PNC did not stop their customers from using money saving or virtual money apps. I am tired of being told one thing by each company. I feel that PNC should let its customers use their money through whatever means they wish.
Product: Credit card or prepaid card

Ive made a purchase with this company and it just seems like no matter what I do to pay it off. It just seems like fees keep reoccurring I have to keep calling and telling them about fees that are being added to my account. I can not pay off this account no matter how many times I make a payment. It just seems like it keeps increasing in amounts. I keep seeing charges that should not be their fees that should not be charged. Im really confused about this account and every time I try to call it just gets worse nothing gets resolved.
Product: Checking or savings account

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I deposited XXXX checks {$73.00}, {$67.00}, {$35.00} into my square account successfully on the above mentioned dates. A month later I found out the checks were declined by the bank. I received no communications from the bank. not on my XXXX XXXX that the checks were declined, nor in writing. I called them today, XXXX and found out they imposed a new requirement to write on the back of checks mobile deposit to square only. However, I was not informed of the new rule, I have not kept the checks I deposited because I have been depositing checks regularly since XXXX and have had no problem until now. 

It is wrong to set new rules for deposits and to decline a payment without communications and notifications.
Product: Checking or savings account

An unauthorized Bank of America business credit card was opened in my name several years ago, subsequently closed. However, this card has inexplicably become linked to my personal account. Over the past five years, Bank of America accessed both my personal and savings accounts, withdrawing over {$20000.00}. This has resulted in significant and irreversible damage to my personal credit. Furthermore, they withdrew funds from my account for XXXX transactions I did not initiate. This situation created considerable difficulties, leading to the return of every payment I made for the month and causing 30-day late payments on six of my credit card accounts. 

See attachment for the most recent withdrawals on XX/XX/
Product: Credit reporting or other personal consumer reports

I contacted XXXX, Equifax and XXXX to request deletion of this inaccurate data from my Credit History Report, but they have refused. I am a litigious consumer Meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice. 
These items should be deleted immediately while in litigation per FCRA guidelines. if you fail to comply with Federal Law and not delete these items after receiving this paperwork will result in your company owing XXXX per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to process a request to block fraudulent charges from credit report despite receiving all supporting documantations
Product: Credit reporting

Since XXXX XXXX ( after Chapter XXXX Discharge Date ) I have been disputing numerous errors on my credit file. It has been over the XXXX days for all disputes and though I have supplied evidence to counter the Furnisher 's response. These items have not been corrected on my file. For Example:1 ) XXXX XXXX was closed as a charge off and sold to a XXXX party prior to my bankruptcy filing in XXXX. They illegally reaged the date and added additional late payments to negatively affect my credit in XXXX, XXXX, and up to my filing date XX/XX/XXXX. This is ILLEGAL. 
2 ) XXXX XXXX they added late payments after the filing date XXXX/XXXX/XXXX3 ) XXXX - Payments were erroneously posted and Accounts were discharged - Chptr XXXX no late payments XXXX. 
4 ) XXXX - No late payments in XXXX under FHA - HAMP Modification trial period and payments were made on time. Ask them to remove the delinquencies from your credit report because you were making payments on time, but they show up as late because of the way your bank applies trial period payments for loan modifications. This needs to be corrected. 
To get back at my complaints against them Experian went ahead and changed the status and payment history on accounts that were Closed, Paid As Agreed and In Good Standing to INCLUDED IN BANKRUPTCY - negatively affecting my credit score intentionally. I have sent them the documentation once again via certified mail and they should have it by XXXX/XXXX/XXXX. 
The accounts in GOOD STANDING ( Closed Paid As agreed, prior to filing chapter XXXX ) and removed by EXPERIAN are listed below. 
1 ) XXXX # XXXX - Closed Paid In Full - No Lates - Not Included in Bankruptcy 2 ) XXXX XXXX XXXX # XXXX All History of payments removed. 
3 ) XXXX XXXX XXXX # XXXX - Closed Account - Filing Date for Chapter XXXX XXXX/XXXX/XXXX. No late payments while Bankruptcy Stay4 ) XXXX - XXXX - Paid as Agreed, Closed, No Lates. Not Included in Bankruptcy5 ) XXXX XXXX XXXX XXXX - XXXX -- Paid as Agreed -Experian removed all good payment history. Not In Bankruptcy6 ) XXXX XXXX XXXX XXXX - Loan Paid As Agreed Closed - Experian removed history and Included in Bankruptcy when it was closed and paid in full prior to filing. 
7 ) XXXX XXXX # XXXX - Paid in Full As Agreed and CLosed prior to Chapter XXXX. Not Included in Bankruptcy. All good credit history was removed. 
Experian appears to have intentionally done this to my credit file due to complaints filed with the CFPB. They have failed time and time again to correct my credit file and have blocked my access to dispute credit report online. I want all my ACCOUNTS IN GOOD STANDING reinstated and any negative reporting errors that have been disputed that they have failed to appropiately verify have these corrected and if the negative item was reported incorrectly then deleted and blocked from reappearing on my credit file as per my rights under the FCRA. This is ridiculous. See other complaints against this company that is violating my rights under the FCRA. I will attach the Credit files as evidence. Thank you. See : XXXX & XXXX
Product: Credit card or prepaid card

Back in XXXX I was supposed to receive my XXXX card as part of the stimulus package for 2021. Someone in my household intercepted the letter that contained my card, and told me it never showed up. I put off calling on it until this XX/XX/2021. Mostly because I figured if anything I'd claim it on my taxes next year if they never sent it to me. But something told me to check by calling the company to see if a replacement or something could be sent out. I then asked if there was even still a balance left on the card and they said that no, there wasn't. So I didn't become aware of the fact that the card had been stolen and used until 8 months down the road. To activate these cards, someone needs the last six numbers of your social security number. Easy enough for a housemate of mine to access considering my tax documents are present in many of my files in various accessible places in our home. I went ahead and asked the representative to give me the information on which merchants had been visited and my funds had been spent at. I recorded the information down so I could begin the dispute process and file a police report. I submitted my written claim in the alotted time, with the copy of the police report and waited. Today I received a denial of my claim in the mail, citing " inconsistent information '' as their reasoning for denying my fraud claim. I am beyond frustrated. I have no clue how to remedy this but most of all I don't understand where in the world the information was inconsistent considering the police report I filed corroborated the information they gave me about the charges on the card, and all the info on the dispute form matched the police report and the bank statements. I just don't understand why they wouldn't honor a claim that gave all the necessary information. I didn't even know my card was stolen until I called to see if I could just get a replacement since I was under the impression the first one just got lost in the mail. MoneyNetwork, the company that handles distribution of the XXXX cards for stimulus check funds, is the company in question here. They have been less than helpful and if anything negligent in handling this efficiently in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

You pay down your bills and your credit score goes down. How can you win with these organizations.
Product: Mortgage

Subject of Complaint, Company, and Employees Misleading and Harmful Loan Pricing and Product Information by Loan Officers Suntrust Mortgage, Loan Officers out of their call center in XXXX, VA. 
Loan officer XXXX XXXX, and backed by his supervisor XXXX XXXX Complaint : On XX/XX/XXXX and XXXX, 2019, I had conversations with loan officer about a refinancing. I told him I had started an application with another lender. This loan officer quoted me interest rate of 3.87, a quarter point lower than the first lender I had an application with. We continue discussion as if this was a conventional agency loan, and there was NO mention whatsoever that this was a special bank portfolio loan. I go ahead and cancel my application with first lender and start an application with Suntrust based on the loan officer 's quote and thinking this was a straight forward agency product. 
Sure enough to my surprise, the next day after I start application and start uploading documents, I learn that he sold me a portfolio product. This is product underwritten for the bank 's own portfolio and not per the well known standards of conventional agency loans. This product requires different financial criteria that are different from bank to bank. It is very different than your regular conventional agency loan with well known standard financial criteria for approval. 
The loan officer mislead me into this product with the lower rate but said nothing that this is the special portfolio product. I could not believe he intentionally chose not to disclose the special nature of this loan and it's underwriting criteria. 
I request to cancel my application because did not want to take a chance with the bank 's own underwriting criteria which often involves the judgment or the individual underwriter, unlike the agency conventional products that have standard financial ratio 's. 
When I complained to the supervisor, the supervisor backed the loan officer, and that the portfolio loan type is not a material information to disclose.
Product: Credit card

I got into some financial difficulty a year ago when I was laid off from my job. Now, I 'm trying to dig myself out, but XXXX of my credit card companies is trying to keep me from doing so by lowering my credit limit when I make a large payment. This means my credit card utilization rate will remain over 90 %, which is a major hit on my credit score. The low credit score then becomes an excuse for this bank and other creditors to give me increasingly less favorable credit terms. At this rate I will never be able to dig myself out of the hole I 'm in!
Product: Money transfer, virtual currency, or money service

There was an issue that occurred on Cash App that I got scammed and I tried to contact a live agent. Recently did my research they actually illegally do not have live agents. There was no number left their to call to help me with my situation and when an agent did message me back they said they could not help me at all and I have been with Cash App since a few years now sending money and never had an issue. I know in XXXX  this company did get fined. Then they were providing fake 1-800 live agents or they would not answer multiple times. Many people are currently having an issue where their account is being closed with no explanation. And they have been ignoring and neglecting people who were being scammed on their platform by not accessing this issue that was happening to a lot of people. I provided my personal information to these fake live agents that they asked a random company too help them, so not only do they scam you and take your money. They steal your identity and use it elsewhere and we would not know.
Product: Payday loan, title loan, or personal loan

I received XXXX loans from Omni financial via their Virginia branch in 2021 after CFPB already filed suite and won. Yet XXXX is still conducting practices they they were already informed were illegal. They have not complied with the stipulations of the lawsuit