23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I made a payment to Citi of {$3700.00} in error which they received on XXXX XXXX, 2016. When I realized that I had sent it in error, on XXXX XXXX, 2016, I called and was told that they had to report any refund over {$1000.00} to the government. When I inquired as to why I was told it was a regulation. When I inquired as to what the regulation was she told me she did not know. I was told it would be up to 7 days before I would get it. I asked for it to be sent to my Citi Checking account. On XXXX I called again and was told they were waiting to see if my bank had paid the check. I then told them that if I did not have the money in my account by XXXX at XXXX I would begin a complaint process. I do not have the money in my account yet.
Product: Mortgage

To Whom This May Concern, I applied for a refi loan through Absolute Mortgage and Lending with lender named XXXX XXXX. XXXX originally told me that an appraisal on my residential property is NOT needed. However, XXXX weeks later he told me that underwriting required an appraisal on the home. XXXX told me I have to pay for the appraisal fee of {$590.00} but I didnt sign an intent to proceed form. Thus, the process took so long. I went with another lender and got the clear to close in 3 days!!! Im writing to request Absolute Mortgage and Lending to reimburse me the full appraisal amount of {$590.00}.
Product: Checking or savings account

My Dad had bank of the west as a bank he passed away in XX/XX/XXXX, we closed his account in XX/XX/XXXX, the bank was shown a death certificate and since then his phone number has been put in my name, even tho they have taken a copy of my XXXX 's death certificate they call my number and keep leaving messages to contact them, not a person to contact either, I have talked to them and they stated they removed my number from there system, I even blocked them but still receive voice mail, this is harassment and really close to a lawsuit, this needs to stop imeadietly
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in REMOVING a portion of the data in my credit file that resulted from FRAUD, but I still have items that should be removed or blocked. According to FCRA section 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report for a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

My mother passed away in XXXX XXXX, and had a will and a revocable family trust ( the house is part of the trust. ) Champion said I had one year to pay off the reverse mortgage. I submitted all requested documents by the first deadline of XXXX XXXX. I was pursuing financing documents for the next deadline of XXXX XXXX. On XXXX XXXX, I faxed Champion my funding letter. On XXXX XXXX, I received a letter stating I was in foreclosure. On XXXX XXXX, I received a letter stating I was in default. I thought default came before foreclosure? On XXXX XXXX, XXXX I came home to a Notice of Trustee 's Sale for XXXX XXXX taped to my front door. My next deadline with Champion is XXXX XXXX. HOW CAN THEY SELL MY HOUSE BEFORE THE " ONE YEAR FROM MY MOTHER 'S DEATH '' PROMISE??? Ca n't I sue them for breach of contract? My father built this house in XX/XX/XXXX, and my mother left this house to me in her will. I want to contest the matter in court. THIS IS A SERIOUS CRY FOR HELP HERE! I am XXXX, my husband is XXXX, and my family of XXXX has no where else to go. I ca n't afford an attorney, and the free legal aid in my rural area said they wo n't touch the case ... too complicated.
Product: Credit reporting or other personal consumer reports

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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 Customer 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 process 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 as caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Bank account or service

Bank of America ( BAC ) sold accounts to XXXX XXXX. My accounts were part of the sale. I chose to go with a different bank. I called XXXX on XXXX/XXXX/15 and requested closure of XXXX checking accounts, XXXX money market accounts ( MMA ) and XXXX visa. Accounts were closed immediately for all but XXXX MMA. They said because it was over {$20000.00} it had to go to the Back Office for closure and would take about XXXX business days. On XXXX XXXX I received a letter ( it was dated XXXX XXXX ) from BAC saying I needed to sign and have notarized an authorization form to close the account ( BAC Reference # XXXX ). Same day ( XXXX XXXX ) I signed, had it notarized and deposited in the mailbox ( in an envelope provided by BAC ). The following Tuesday or Wednesday ( XXXX XXXX or XXXX ) I called to verify that the document was received and the account closure was in progress. They could not verify that it was received but said the account closure was not in progress. I offered to scan and send a copy of the form. They said they could n't close the account off of a copy. I was also told it may take a couple of days to process the request once received. I called back again on XXXX XXXX and talked to a manager, XXXX, who said he went into the system and requested immediate closure ( BAC Reference # XXXX ). He said he did n't need to notarized document to do this. I called back on XXXX XXXX and was informed by a XXXX XXXX that the ticket was closed but the account was still open. No action was taken to close my account. I asked to speak to a higher level manager so that I could get my account closed and receive my money. XXXX XXXX said he would have his manager contact me. I have never been contacted. It is now XXXX business days from the original request to close ( XXXX XXXX to XXXX XXXX ) and my XXXX larger account is still not closed. All other accounts are closed. I was never provided checks for this account and there is not a Bank of America office where I live so I have no other way to get my funds and get my account closed except through this process. Had I known the issues I would be facing now I would have transferred most if not all of the funds to my checking account before requesting closure. It is my belief that Bank of America is stalling on closing this larger account so that it is transferred to XXXX XXXX and the portfolio of deposit accounts/relationships sold to XXXX XXXX remains higher than what it would have been if accounts are closed as requested. I suspect others may be experiencing the same issue that I am.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates that you eliminate any incorrect accounts from my credit report. Could you review the documents? Some of the listed accounts are wrong, with incorrect amounts and dates being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account name XXXX acct XXXX XXXXXXXX XXXX XXXX acct XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX acct XXXX XXXXXXXX, XXXX XXXX Acct XXXX XXXXXXXXXXXX XXXX  XXXX Bankruptcy XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

TRANSUNION has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and I, a great deal of injury.
Product: Credit card or prepaid card

Once again the PNC Branch located at XXXX XXXX XXXX XXXX XXXX Pa XXXX is displaying vindictive behavior because I reported their Window Clerk XXXX for purposely having her shirt buttoned opened way too much now on today at this same branch I was unable to use my Debit Card to deposit money into my Savings Account. I went inside the Branch and the Security Guard was illegally playing the role of the Bank Host and he got the Bank Manager and inquired her of the matter and she verbally stated that this wasnt her XXXX problem
Product: Prepaid card

I received multiple {$100.00} Amex Gift Cards ( totaling $ XXXX ). When I try to use them, they are always declined. The Balances are all at {$100.00}, but no matter where I try to use them, they dont work. 

I tried to contact Amex but the number on the card is completely automated and provides no solutions.
Product: Checking or savings account

I have opened  a Select Saving acco unt number ending  XXXX , routing  XXXX , with TD Bank using their online promotion on  XXXX  -17. I op ened  XXXX  checking account and saving account together and in their web site promotion was promised to pay {$300.00} for checking and {$100.00} for saving account if I fulfill terms in 90 days. I got {$300.00} for checking, while TD bank not posted {$100.00} rewards for saving account. I have kept {$20000.00} in saving account after I opened the account and as per the terms advertised I should get {$100.00} opening bonus. I followed up with the customer service on email multiple time and they confirmed me that I am eligible and will get in 95 days as per the attached email. I followed up now after 95 days over, got to know from their customer service that there was no such promotion. Wh ile  XX/XX/XXXX  email  attached, they promised, I will get the amount, but now they are saying I will not get.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX This letter is a formal complaint that you report inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. It has been over 60 days and has caused me great hardship, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to ensure that consumer reporting agencies I ask that these items be removed from my credit profile at once.
Product: Debt or credit management

The only problem is we did not make payment on time, only a few days late, the statement shows that a junk fee and late fee were charges to my, checking and Crdit card accounts.
Product: Credit reporting or other personal consumer reports

This issue has already been addressed, but it was addressed in a way that was overly burdensome and opaque to me, the consumer, so I want to request that the Consumer Financial Protection Bureau look into it. 

This morning ( Monday, XX/XX/2024 ), I tried to sign up for energy service from XXXX XXXX for a house in North Carolina that I am in the process of purchasing. XXXX XXXX would not allow me to sign up for service until I unfroze a fraud alert I placed on my account with Experian last year. The alert was purely precautionary, in response to my suspecting that someone may have been trying to steal my identity. No actual identity theft happened. I needed urgent help removing the fraud alert since I am moving into the house at the end of the month. 

I visited my online account with Experian to try to remove the fraud alert online. All I could find was instructions for how to mail them my request by snail mail. There was no information about how long it would take for them to process the mail, whether there was a fee involved, or whether there were any options to expedite the process. I called multiple numbers listed on their website for help, but their automated assistant program refused to connect me to someone whenever I stated that I needed help removing a fraud alert. Whenever I did that, the system directed me to the snail mail instructions on the website, which did not answer my questions. Only when I called Experian and stated that I wanted to speak to them about a membership issue did the system agree to connect me with a human representative. That person was lovely and quickly helped me remove my fraud alert over the phone, so I had no issue with the actual representative. But it took me six phone calls to multiple phone numbers, lots of waiting, and disregarding the automated system 's instructions to actually get the help I needed. 

It is unethical for a company to make it so challenging to remove a fraud alert for an urgent matter like having energy in my home. And it's unethical for the company 's website to make it seem like snail mail is the only option for requesting removal of a fraud alert. 

Please investigate this matter. I'm sure you will find cases similar to mine. I have paid Experian for membership and given them a lot of personal information about me. They have an obligation to handle that information, and my wishes with it, promptly and responsibly, and this morning 's experience showed me that they are not fulfilling that obligation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I reached out to Well Fargo over a debt owed to them. I paid the debt and the amount was updated on one bureau but not the others. Today I reached an alert that the account was updated back to the original amount. I called Well Fargo and was spoken too like I was an XXXX. I received a fax from them saying the debt has been settled on the date it was settled but was told it could take up to 60 days to reflect. According to the FRCA they have 30 days from payment.
Product: Checking or savings account

Through my employer I had an 401k plan from ADP. I was laid off XX/XX/2020 I needed to withdraw those funds because I was without work. 6 months later and I still can not access my funds. Every time I contact ADP they give me the runaround. I've contacted them twice this week, once last week. On XX/XX/XXXX and three or four times previously before that.
Product: Payday loan, title loan, personal loan, or advance loan

I am uploading this showing my filing for identity theft which occurred in XXXX of 2022. Due to this happening money was taken from my only bank account and I wasnt able to make my payments on my credit accounts. Most of these accounts are now closed and charged off. I need these negative remarks removed to be able to get a loan if something happens to me and my family. I am the sole income of my house with a XXXX XXXX XXXX XXXX I need help please
Product: Credit reporting or other personal consumer reports

Experian 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 I did not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. As such, I request that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. 
Furthermore, I would like to assert that, under the Fair Credit Reporting Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit reporting agencies must conduct a reasonable investigation upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for investigating my dispute is not only unnecessary but also places an undue burden on me as a consumer. 
I expect you to adhere to the FCRA 's guidelines and conduct a thorough investigation into the unauthorized inquiries without requiring any additional reports from me. Failure to do so may result in further action on my part to ensure my rights under the FCRA are upheld. 
Please acknowledge receipt of this letter and inform me of the steps you will be taking to address my concerns. I expect a response within 30 days, as stipulated by the FCRA. 
Thank you for your immediate attention to this mater. I trust that you will handle this dispute with the seriousness and urgency it warrants.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is selling unverified debt to XXXX, XXXX, there is no contract in place for either one of these companies and they are reporting this unverified debt as being accurate.
Product: Student loan

XX/XX/2023 - Received information I would be moving to repayment. I requested the XXXX  repayment plan and auto pay. The repayment plan went through, but auto pay never worked. 
XX/XX/2023 - Assumed auto pay would work. It did not, my account was marked late. When I sent messages as to why, I did not get a response for over 6 weeks. 
XX/XX/2023- Was told to be patient about auto pay. 
XX/XX/2023 - Received notice my auto pay was denied. When I logged into the account, it did have auto pay but my repayment plan was changed to an income driven repayment plan I did not request. I received several conflicting messages. When I attempted to change the plan back, I was directed to contact page. I sent several emails and chatted with several agents. Two of which closed the chat without providing information through an auto mated pop up that shut within 2 seconds before I could respond. The agent stated she does not know why and has no further information. Additionally, I was told that my account was in forbearance without any previous communication regarding this or reason why this was the case. Now my payment has doubled, my repayment is scheduled to " begin again '' on XX/XX/XXXX. I still have no answers or ways to change my repayment plan and no explanation as to why this has happened. I've spent hours attempting to untangle this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert that negative information had been reported on my credit bureaus. Upon investigation, I see an entry listed for one Transworld Systems possibly related to a creditor named " XXXX XXXX. '' I have never done business with any company by the name of XXXX XXXX or Transworld Systems. 

I have disputed the reporting with Transworld Systems and requested verification of the debt, but have not received a response. 

I have received no letters, phone calls, or other requests for payment from anyone related to this matter. 

I mailed the dispute and request for verification to : Transworld Systems XXXX XXXX XXXX XXXX, DE XXXX I want this negative reporting removed from all credit bureaus immediately.
Product: Credit card

I am a longtime customer of Capital One. I am enrolled in Auto pay and recently changed my bank account information with no problems. This month they tried debiting my account and had a returned payment. They charge me {$40.00} For a returned payment fee, which is unacceptable to me. I asked for a fee reversal and they would not grant this request. I feel this Does not go by the guidelines of the CFPB and is unlawful and explain to them that they cant charge me that high of a fee, but they said that that rule does not apply to them. I want to be credited back immediately. I I had just opened another credit Capital One credit card, but I promptly closed it due to this terrible customer service.