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

XX/XX/18 I recently tried to open a bank account at First Republic on XXXX XXXX and XXXX XXXX. The bank was suggested to me by a number of clients. I decided to inform myself about their services. The banker, XXXX XXXX, informed me about all the options. Since I travel frequently and have family aboard and conduct business in XXXX and XXXX XXXX. I was to by the banker that this was not a problem that the fees for wires would in fact be much lower than with other banks. XXXX XXXX emphasized how easy it is to work with FR internationally. I decided to open an account. I went home to get the required documents my passport, social security card as well as a check for {$40000.00} for the initial deposit only to be told on my returned to the bank that FR was not the right bank for me and that international transfers could not be made. I pointed out to that this was the exact opposite of what I was told before. After showing him a brochure he had given me 15 min. before about the options for international transfers the banker told me that there was another reason, nothing to do with my finances or my need to do international transfers. He referred me to the manager of the branch. I spoke to her about my conversation with XXXX XXXX. She said he did not know the details since he had not been working at the bank for long. I ask her why he said that there was another reason and was told : " We are not a good fit for you. '' I asked her to be more specific and she said : " I have nothing more to add. '' Since I do not recall any negative banking history I was perplexed. I can not help but understand the refusal to open an account as an act of personal discrimination against me. I would like to report this form of prejudicial and inequitable experience I have made with First Republic and their branch on XXXX XXXX. and be told why I was in fact denied to open an account and if the reason I was denied is in fact legal. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I have had a recurring iss ue with BB & T re versing my online payments the same day that I made them in both  XXXX  and  XXXX . I received notification that my payment was being processed, but no further communication to notify that that payment was reversed on either occasion. I had to re-complete the payments both times, which also resulted in less of my payment being applied to my principal balance. I calle d BB & T  when I realized the second occurrence on  XX/XX/17    and was not given an explanation. The representative tried to tell me first that the  XXXX  issue was due to an upgrade to their system, and then that I had paid  XXXX  on the phone with an account that did not exist. I have made my payments online from the same checking account every month, so the explanation that I had used a different account was absolutely false. The rep did not even try to provide an explanation for the  XXXX  payment being reversed, nor did she provide an explanation for why I was not notified that the payments were reversed. It appears more that the bank is doing this on purpose to squeeze more money in interest out of me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, De XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau 1700 G Street NW XXXX XXXX XXXX Subject : Formal Dispute of Erroneous Credit Reporting Request for Deletion Under FCRA Dear CFPB, I am writing to formally dispute inaccurate and inconsistent information reported by TransUnion, XXXX, and XXXX regarding the account XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have only complete and accurate information reported on my credit file. 

Upon reviewing my credit reports, I have identified the following inaccuracies : Inconsistent " High Balance '' : TransUnion reports {$620.00}, XXXX reports {$0.00}, and XXXX reports {$320.00}. 

This discrepancy violates 623 ( a ) ( 1 ) ( A ) of the FCRA, requiring data furnishers to report consistent and accurate information. 

Conflicting " Date of Last Activity '' ( DLA ) : TransUnion lists XX/XX/XXXX, XXXX lists XX/XX/XXXX, and XXXX lists XX/XX/XXXX. 

These inconsistencies violate 611 ( a ) ( 1 ) ( A ).

Missing " Closed Date '' Information : TransUnion lists the account as closed on XX/XX/XXXX, but XXXX and XXXX fail to report this status. 

Omission of this critical data violates 609 ( a ) ( 1 ). 

Erroneous Payment History Reporting : XXXX 's timeline conflicts internally by reporting " OK '' statuses while simultaneously reporting 30, 60, and 90-day lates. 

XXXXXXXX XXXX  late payment history conflicts with XXXXXXXX XXXX reporting, creating additional inaccuracies. 

These errors violate 611 ( a ) ( 1 ) ( A ). 

Inconsistent Credit Limit Reporting : TransUnion and XXXX list a credit limit of {$600.00}, but XXXX lists {$0.00}. 

This discrepancy violates 609 ( a ) ( 1 ). 

These inaccuracies not only violate the FCRA but also significantly harm my creditworthiness. I respectfully request that this account be deleted entirely from all three credit bureau reports as the data is unverifiable, inconsistent, and inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

on XX/XX/2020 my father passed away, going through his files, I found {$100000.00} in four accounts with Capital One. 
XXXX I informed Capital One of his death, they sent me forms to fill out and told me of the information I need to send them. They told me 3 to 5 business days. I filled out forms and sent needed paperwork back on same day. 
XXXX On email I sent back I asked for information of his accounts IE are there beneficiary and joint names on accounts. 
No response I waited the 5 days sent email requesting information on accounts, I also called and tried to get to them on the phone, I was informed only the department on the emails can help me. But i was told it can take up to ten days. 
on tenth day I emailed again and called again, I was assured they would respond by the next day XX/XX/XXXX. XX/XX/XXXX no communication. I email and called XX/XX/XXXX and was informed this is all my fault. AS of this day XXXX I have not received 1 message from Capital One
Product: Mortgage

I HAD MY BUSINESS FALL APART DURING THE RECESSION I WAS JUST GETTING ON MY FEET FINANCIALLY WHEN I XXXX WORKING I WAS ABLE TO GET A LOAN MODIFICATION ON MY FIRST MORTGAGE THROUGH XXXX AND HAVE BEEN CURRENT EVER SINCE. BUT I APPLIED FOR A LOAN MODIFICATION ON MY SECOND MORTGAGE THROUGH MAKING HOME AFFORDABLE AND CHASE BANK AND HAVE BEEN DENIED MORE THEN 5 TIMES WE HAVE BEEN DUAL TRACKED MOST OF THESE TIMES HAVING A SALE DATE AND LOAN IN UNDERWRITING AT THEM SAME TIME. THAT IS CLEARLY AGAINST CALIFORNIA LAW. WE GET TURNED DOWN FOR TO MUCH INCOME, THEN NOT ENOUGH INCOME THEN ASKED TO REAPPLY. WE WANT TO KEEP OUR HOME WE CAN NOW AFFORD A PAYMENT I AM A XXXX VETERAN AND ITS BEEN ALMOST 3 YEARS SINCE OUR FIRST SUBMISSION I JUST SUBMITTED AGAIN YESTERDAY PLEASE HELP US
Product: Debt collection

Repeated calls by CREDIT ACCEPTANCE CORP. 5+ daily even when given times and dates that are unacceptable to call durring Cold call, provide no verification they are CREDIT ACCEPTANCE CORP when asking for personally identifiable information. 

when asking for verification of debt, I'm asked if I would like my number removed from their system instead of complying with request. 

Trick/Ask without prompting or guidance if the consumer would like their number removed from their system to initiate a legal process which typically starts once a consumer asks to not be contacted. 

will cold call, lie about payment dates and arrangements made then hang up once given dates and times of said agreements. 

Does not record all phone calls, Blocks recordings from being accessed by employees to verify agreements made or cancelled. 

Deletes/wont acknowledge phone calls with given dates to verifiy agreements. Says they dont exist and then hang up. 

Calls roughly every 40 minutes from different numbers all marked by XXXX XXXX as high risk / spam calls.
Product: Credit card

Re : Synchrony Claim # XXXX On XX/XX/XXXX, I paid {$1300.00} on my PayPal Credit account to booking.com through PayPal Credit / Synchrony Bank for a three-day reservation at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a stay beginning on XX/XX/XXXX. 
The vacation date was planned for the XXXX XXXX XXXX XXXX  event during that week. This was a short vacation for us, to pick up our XXXX XXXX from storage in XXXX XXXXXXXX XXXX to drive to the museum. 
On XX/XX/XXXX, while on our way to the hotel we received a phone call from the hotel " manager '' XXXX, who said the hotel had been closed for XXXX months and he was busy making cancellation calls to guests on their way in. He said we would have to call XXXX to get a refund as the " merchant never gets the funds until the guest checks in. '' I contacted XXXX on several occasions [ XXXX XXXX XXXX XXXX  ]. Typically, one will be on hold for up to an hour before anyone answers. When I did get through, I was told they would " resolve the issue within XXXX days. '' I have had several comments like that since the initial call and they have only called back once ; to leave a message saying I would get a refund to the credit card used for the transaction. 
As of today ( XX/XX/XXXX ) I have received no refund. 
Synchrony reopened the transaction dispute and then closed it today, stating " we have received no proof that a credit is due on the account for you and or the merchant. '' The hotel was closed and out of business when we arrived. I sent photos taken of the hotel to Synchrony bank to validate the dispute. We had to stay at the XXXX XXXX for XXXX days instead of the XXXX XXXXXXXX XXXX. 
At first, PayPal Credit said I had no recourse because all disputes must be handled within 180 days of payment. The reservation was made for the hotel XXXX MONTHS IN ADVANCE ; therefore, we would never know about any discrepancies until XX/XX/XXXX, the day we arrived in XXXX XXXX XXXX. 
We have called the hotel at XXXX XXXX XXXX XXXX. They never answer. We leave voicemails when the mailbox is not " full '' and they have never returned any call since the first day we heard from them, again, XX/XX/XXXX. 
XXXX  has not returned any calls nor sent any communication to me. 
PayPal Credit sent the funds to XXXX but XXXX said to call PayPal for the refund request. 
It appears because the credit card company can not get through to the XXXX XXXXXXXX XXXX, they feel they do not have to refund my reservation amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/2017 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXX XXXX XXXX Balance XXXX {$920.00} ; XXXX XXXX XXXXXXXX Balance : {$4000.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I habe disputed this twice already and got it fixed then this happens again. This complaint is against EXPERIAN for violating the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ). I previously disputed an account XXXX XXXX acct # XXXX on my credit report for a late payment in XX/XX/XXXX which was found to be inaccurate and changed from being late to never late However, this account has been reinserted numerous times into my credit report without any notification from EXPERIAN within the required five business days. This action is in direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ), which mandates that consumers must be notified if previously removed information is to be reinserted into their credit report. The lack of notification has caused unnecessary stress and potential harm to my credit standing. A few days ago they were reporting that XXXX XXXX was 60 days late now its XX/XX/XXXX. I have already contacted EXPERIAN regarding this issue but have not received a GOOD resolution. Therefore, I am seeking your assistance to ensure that EXPERIAN complies with FCRA regulations and corrects this issue immediately WITHIN 4 BUSINESS DAYS. Attached are copies of all relevant correspondence, including my confirmation of the account 's removal, and my recent dispute regarding the unauthorized reinsertion. I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. XXXX XXXX
Product: Bank account or service

I was notified by Bank of America that my account balance had gone below XXXX. I knew there was over XXXX left in the account so that did n't make sense. I pulled open my account online and it showed that I was over XXXX overdrawn. The previous day I had written a check for XXXX. It was used to pay a loan at a different banking institution. In my Bank of America account I had over XXXX in the account so there was plenty of money to cover it. When I called Bank of America they said that they could see the check that was trying to clear and could see that it was for XXXX, but it was being processed as XXXX dollars. Extra XXXX somewhere. I asked what to do. Was transfered to a manager. The manager told me that if I brought in the extra money before XXXX that I would not be charged an over draft fee. She said she did understand that the check was not for a XXXX and that it was only written for XXXX, but the banks policy was that I would be charged an overdraft if I could not cover the check with additional funds. She said to call the other institution when they opened and talk to them and in the mean time they were returning the check. I asked her to at least waive the fee for overdraft and she said she could not. She said that to get the fee returned to my account I would need to call the next day and see if they could deposit the over draft fee back into my account. It makes no sense to charge a customer an overdraft fee when there is clearly an error between the XXXX banks. I called Bank of America at XXXX my time as soon as I saw there was an issue. They agreed that it was a banking issue and that I had not done anything wrong, but charged my account an overdraft fee anyway? Where has basic customer service gone in this industry????
Product: Debt collection

Checked my credit report when I was about to purchase a vehicle and seen an apartment where I didn't reside. The date was in XX/XX/2015 which was a time when my wallet was stolen with my id and social security cards. XXXX XXXX XXXX has reported that I owe {$5900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed accounts on my report and all three reporting agencies came back as verified. Sent a letter for Method of Verification to all three reporting all three received the letter XXXX/XXXX/XXXX. As of today XXXX/XXXX/XXXX I have not heard nothing back from none of the credit agencies about my request. I have contacted XXXX rentals asking for a signed copy of the contract to no avail. They are reporting these accounts and the credit reporting agencies are reporting these accounts that are not mine. No one can show me a signed contract. The credit reporting agencies had 15 days to show me how they verified these accounts and is well passed that time limit. Equifax is reporting a account from a collection agency that I originally disputed with all three agencies, XXXX and XXXX removed these accounts but Equifax is still reporting this. Contacted the collection agency and they stated the no longer hold rights to account. But, Equifax is still reporting.
Product: Student loan

Of my {$460.00} payment that I have been given through an Interest Reduction Plane this is what I pay. I do not think that I or anyone should have to pay this type of interest to get our student loans paid off. I am paying more than what I pay to get the principal paid down. This is just not fair to the people trying o get and education and find a job to live and pay off these loans afterward. 
Principal Paid : {$210.00} Interest Paid : {$240.00} Borrower Payment {$460.00} Balance {$100000.00} DIRECT SUB CONSOLIDATION LOAN Principle {$75.00} Interest {$84.00} DIRECT UNSUB CONSOLIDATION LN Principle {$140.00} Interest {$150.00} Totals : {$210.00} {$240.00} REPAYMENT Disbursement Date : XXXX/XXXX/XXXX Loan Program : DIRECT SUB CONSOLIDATION LOAN Owner : U.S. DEPT OF ED Guarantor : FEDERAL Interest Rate : 6.125 % Interest Rate Type : FIXED RATE Subsidy : SUBSIDIZED Loan Balance Original Balance : {$34000.00} Unpaid Interest : {$30.00} Current Balance : {$35000.00} Payment Information Monthly Payment : {$160.00} Repayment Term : XXXX Months Expected Payoff Date : XXXX/XXXX/XXXX Due Date Information Next Due Date : XXXX/XXXX/XXXX Days Delinquent : XXXX Loan Status : REPAYMENT Disbursement Date : XXXX/XXXX/XXXX Loan Program : DIRECT UNSUB CONSOLIDATION LN Owner : U.S. DEPT OF ED Guarantor : FEDERAL Interest Rate : 6.125 % Interest Rate Type : FIXED RATE Subsidy : NON SUB Loan Balance Original Balance : {$59000.00} Unpaid Interest : {$56.00} Current Balance : {$67000.00} Payment Information Monthly Payment : {$300.00} Repayment Term : XXXX Months Expected Payoff Date : XXXX/XXXX/XXXX Due Date Information Next Due Date : XXXX/XXXX/XXXX Days Delinquent : XXXX I and most others do believe that we could pay off our debts quicker if the interest was not placed upon us as such.
Product: Credit reporting or other personal consumer reports

Credence is reporting an account with an original creditor of XXXX XXXX. 
This account was set up in XXXX XXXXXXXX, VA using an email address of XXXX. The account is reflecting in charge off status Since XXXX of XXXX. The current account balance is XXXX The problem is I do not know anyone by the name of XXXX XXXX, nor have I ever lived in XXXX  XXXX. XXXX XXXX at Credence was supposed to contact XXXX to track the FTC complaint that was filed so she could see why this was denied and I have been unable to obtain additional information. I have also contacted XXXX directly to request the contract. 
I have spoke to agent XXXX XXXX ID # XXXX at XXXX who stated he sees the first complaint was filed in XXXX but does not see any resolution and then hung up on me. 

At this time I want this information removed from my credit report immediately as it does not belong to me nor have the provided the requested information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, Under the FCRA, Fair Credit Reporting Act, 609, 611, and 623 in the FCRA, I would like to dispute this delinquent reporting. 

I am humbly requesting that Bank of America with a reported balance of {$300.00} be removed from my credit report as at the time, I was a young, oblivious authorized/joint user who was added to this account. 
It appears that the primary account holder who may have innocuously added me as an authorized user without my express consent for the sole purpose of trying to establish/build my credit score at the time when I was younger and did not have credit. 

I have perpetually been denied many credit cards, loans, mortgages, and countless opportunities as a result of this negative, perpetual delinquency that continues to harm me as an oblivious, Joint user. Thus, I am humbly asking that you please stop reporting and remove this delinquency from my credit report so that I may finally soon be an aspiring homeowner, and move on with my life for my and my family. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a CHARGE OFF that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this CHARGE OFF, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
XXXX XXXX XXXXXXXX
Product: Debt collection

Professional Finance Company XXXXXXXX XXXX XXXXXXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX. {$1600.00}. {$180.00} and {$180.00}. This is not my account. I asked them several times to provide a signed contract or show proof I own the property in question. They declined. I gave them 30 days afforded under the Fair Credit Reporting Act.
Product: Debt collection

This is not my account I.C. Systems # XXXX and did not have an opportunity to dispute, please remove this account ASAP. Also please provide the following : Method of verification Validation of Debt Assignment of Debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit karma and I see where Equifax has taken XXXX points from me all because a collection came off my credit report and my credit card balance increased by {$31.00}. This is just wrong. My score should have went up not down and surely not XXXX points. Equifax is pushing me for getting my credit on the right track,
Product: Credit reporting or other personal consumer reports

Hyundai Motor Finance, I am having trouble recognizing an account from you on my credit report. It says I owe a past due debt. Could you please provide me any and all account documents proves the alleged debt as belonging to me. Thank you very much for your time and assistance in the matter.
Product: Prepaid card

I received a {$300.00} Vanilla Visa gift card in XXXX. Upon receiving the card, I checked the balance and placed it aside. Today, when I went to use the card for a large purchase I have been planning, the card only processed for {$160.00}. Upon checking the balance, it was used on XXXX on XX/XX/XXXX ( not by me ), and then had multiple declined transactions from XXXX and XXXX. I have submitted the claim, but the company estimates it will not be resolved until XX/XX/XXXX. I have tried to call and can not reach a person to chat with regarding the issue. I have not heard from them, and per experiences of my peers, it seems they will make it incredibly difficult to recuperate the lost funds from the card.