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

On XX/XX/XXXX I was charged two overdraft fees in the amounts of {$34.00} dollars totaling to an amount of {$68.00} dollars. One of the transactions was a bill that came out as an ACH and the other transaction was a transfer of {$60.00} dollars using the service XXXX. These are the two transactions that triggered the fees to my account. I received a transfer via XXXX in the amount of {$180.00} dollars to cover the bill and the transfer. Chase apparently has two different cut off times when sending or receiving money with XXXX, depending on the institution that you are sending or receiving from. The money I received was from another financial institution and it was apparently sent past the cut-off time for it to be in my account the same day. But even with that being the case, I was still able to send money using XXXX to another chase customer. I called customer service the following day to inquire about this and they said it was valid because of the cut-off times. So even though the money was showing available for immediate use, it technically was not in the eyes of Chase. When I asked the representative if I were to have made purchases after the transfer was made, and the money was showing available, would i have been charged a fee for every transaction I made? The response was that yes, I would have been charged a fee for each transaction. The reason this is very upsetting and troubling is that one could accuse Chase of baiting customers to make purchases when the funds are available from the customers perspective but not from the perspective of Chase. I advised them that it was not possible for me to be able to send money with XXXX if I did not have it in the account and that system will not allow you to send money if the funds are not there. It is impossible and NOT at the discretion of Chase, which is what I was told by all 3 of these agents.

After speaking with 3 different agents, I was able to speak with XXXX a manager at one of the call centers who submitted one of the fees as a bank error, but warned me it would be returned and re-applied to the account after another department reviewed it. He submitted the other as a courtesy to be waived even though I requested they both be waived as bank errors multiple times. 
An investigation of some sort should happen into this process and what I would go on to call a scam on behalf of Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute about a charge off that should have come off of my report, both online and by mail and both were dismissed as Experian has refused to investigate the matter. They investigated 1 claim in XX/XX/XXXX and updated the account incorrectly when I tried to dispute again they refuse to allow me to dispute this account at all in any way. The account was set to come off my record XX/XX/XXXX but has not been removed. It was then updated to not come off until XX/XX/XXXX that was the only thing that was updated the last payment remained the same and the account should have been removed but the company is refusing to investigate any claim at all. This leaves a charge off that I am no longer liable for on my account. It has been removed from XXXX  and is currently under dispute with XXXX   to also be removed. I would like the same consideration as everyone else. Why in two years will the bureau not investigate a charge off that needs to be removed?
Product: Credit card or prepaid card

I opened a Capital One card in XXXX of XXXX. In XXXX of XXXX I was sent a letter to call Capital One to verify my ID. When I called they asked for XXXX types of ID verification : front and back of my valid Driver 's License or State ID, Proof of residency ( utility bill, etc. ) and copy of my signed Social Security Card. 

I am ok with the first two but asking for copies of my signed social security card, particularly after Capital One had a security breach and they took XXXX peoples SS information, is excessive. I have had many other Credit Cards, even background checks for Global Entry and none have asked for this. 

I requested an alternative form of ID and was told none is possible. That would be inaccurate, anything is possible as it's the companies policy, not a law. For example, my passport would be an alternative form of ID that is a XXXX document and requires a valid social security number. Why would my passport not be acceptable? 

Capital One did not make me aware that I would need to provide a copy of my signed social security card when I applied for this credit card. Had I been aware I would not have applied for their card. They put a hard inquiry on my credit score when they ran it and my credit will suffer from that for 2 years and I have not credit from the card to offset that hard inquiry.
Product: Debt collection

Northstar Collections (? ) phone XXXX called my number trying to reach XXXX XXXX. We have had this number for almost a year now and there is No XXXX or XXXX here. The guy said they were given this number and acted like it was my fault someone lied to them. 

CHECK THE XXXX OWNER OF A NUMBER BEFORE YOU CALL ....
Product: Debt collection

I have been requesting, since XX/XX/2021, verification of this alleged debt that this agency claim I owe and which they are reporting on my credit files. However, they have failed to obtain and send me legal verification as mandated by the law. Furthermore, I have requested verification and validation, several times, directly through each of the Credit Reporting Repositories and each time they have reported that they electronically verified the accuracy of these alleged claims through their automated systems, yet you failed to do so for me... why is that. Thus, they have failed to cease collection activity until verification of debt has been made by continuing to report inaccurate and unverifiable information to these Credit Reporting Agencies as prohibited by the Fair Credit Reporting Act. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Federal Credit Reporting Act, Experian is requited to only list factual information. Any information that is not factual must com off your credit report. Experian list the following unfactual information. 

XXXX XXXX XXXX- Status date is incorrect. Late payments is incorrect. Please remove XXXX XXXX-Status date is incorrect. Please remove XXXX-Payment history is incorrect. you can not have two 120 days past due consecutively in a row XXXX  XXXX XXXX ( 4 tradelines ) -You can not have a 120 day late payment 10 months in a row. Please remove. 
Office of the Atty Gen-I have never been late and my balance is XXXX Dollars. Please remove. 
XXXX XXXX Past due amount is incorrect, late payments is incorrect and original loan amount is wrong/ XXXX XXXX-Never had an account with them, have a signed contract and never did business with this company. Please remove. 

I request for every item that you provide me the information that you receive in order to verify that you have indeed look at the information given to you and this is is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on XXXX and XXXX both came back verified. I had sent a letter i received from the creditor/collection agency, stating i was no longer responsible for this debt. Equifax refused to remove this from my credit report. I had already sent the same letter ( enclosed ) to XXXX and XXXX and got the account removed. The amount in question was {$970.00}. Equifax has since said they will no longer investigate this matter. The letter states clearly the collection agency has ceased collections.
Product: Credit card or prepaid card

I have a personal credit card with Capital One. I paid my bill in full a few hours late in XXXX, and Capital One is now telling me that I have to pay interest not only for XXXX, but for the following three months -- even if I pay my bill on time. They say that after one late payment, they will continue to charge interest until I have three consecutive months of on-time payments. This will result in me paying {$60.00} or more in interest for a late payment of just a few hours. It's not even clear to me how the interest in the next months I pay on time would even be calculated, since I always pay my bill in full. I contacted customer support and they could not explain that to me. They just said it would continue to be charged until I have three consecutive months of on-time payments. I asked if they could waive it and they said no. This is a completely unfair and predatory practice. 

The details of my payments and the charges are as follows : I paid my bill hours late in XXXX ( the bill was due on the XXXX, and I authorized payment at XXXX XXXX on the XXXX ). I paid my XXXX XXXX in full, as I do every month. On XX/XX/XXXX, I was charged {$20.00} in interest. In XXXX, I paid my bill on time and in full ( the bill was due on the XXXX, I authorized payment on the XXXX to be made on the due date ). I was charged {$11.00} in interest on XX/XX/XXXX. I contacted customer support late on the XXXX and was told I would keep being charged interest until I had three consecutive months of on-time payments. I could not get any explanation about how this interest is calculated or whether I could do anything not to incur it.
Product: Credit reporting

Capital One initiated another account in my name and did not tell me or send a bill that this count existed resulting in a 30 late reporting to the XXXX credit bureaus, XXXX, XXXX and XXXX XXXX. I have since closed out the account, but it is still showing 30 days late and affecting my ability to secure credit.
Product: Checking or savings account

In the early morning hours of XX/XX/2021, someone broke into my car by smashing out a window and stole a bunch of my things including my wallet which they found under my seat. Inside my wallet was my debit card, issued by Cash app through XXXX Bank. Between the hours of XXXX XXXX XXXX  am that morning, my debit card was used to make a bunch of unauthorized transactions at multiple different retailers ( see supporting documentation for details regarding the transactions made ). I was asleep at the time, and my phone was turned off, but when I woke up at approximately XXXX that morning, I turned my phone on and received multiple text messages from cash app regarding the transactions. I immediately reported my card as stolen and marked all the transactions made as unauthorized. I was not able to contact Cash app support over the phone, but was able to contact them via they're in app support channel, as I was instructed to do when calling their support number. They let me know that they would be investigating the transactions and would contact me over email with the results. 

Eventually I received an email from cash app support that informed me they had concluded their investigation and decided the transactions made were actually authorized transactions and were made using my pin number. However, this is totally untrue! My card was stolen, and definitely was not the one using it at the register. Nor have I ever shared my pin number with anyone, and it definitely wasn't in my wallet or written on my card, so there is absolutely no way the thief would have known it. Furthermore, all the unauthorized transactions had not been immediately debited from my account, and were initially marked as pending transactions, meaning that they were not in fact debit card transactions requiring my pin, as cash app claimed, but would have been made at the terminal by electing to run the card as credit rather than debit. 
When I pointed this out to cash app, and sent them statements made in their own terms of service regarding the use of my card, I received no real response from anyone. In fact my last message to them went completely ignored.
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 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 have caused significant inconvenience and financial loss, and I seek appropriate redress ( 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 proces 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 XXXX have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations, XXXX
Product: Mortgage

I did a loan notification in XXXX. No cash.They did the modification at {$150000.00}. I wasnt even {$10000.00} behind by the time of the modification. They took some funds from my loan and placed it in a non interest bearing loan for {$31000.00}. And now with a forbearance I owe {$54000.00}. along with my mortgage of {$94000.00}. How do I owe more than I did in XXXX. My loan in XXXX XXXX XXXX the balance was {$130000.00}. in XXXX  my balance was {$140000.00}. I was under the understanding that the modification was to help not add {$30000.00} more to my debt which doesn't make since since It was now at a XXXX  loan. And, I started at {$200000.00} in XXXX. So in XXXX  yrs Ive paid less than {$55000.00}. of my loan. 

In reviewing previous payments I found multiple late fees charged a month. Late fees multiple times in one month and all different rates. At different rates and fees for calling my payments in all double charges. Charged XXXX fees XXXX XXXX fees the same day. 
. 
My forbearance for XXXX  months at {$950.00} came out to {$18000.00} I emailed them multiple times to review my acct and they just keep telling me its fine. How am I getting charged multiple fees multiple times a month and months I didnt even get principale payment unless I paid over the mortgage amount. I've spoke with them as well and they just say those are the fees.

Im confused about this and would like clarification as to what has happened and what is going on with this loan. 

Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against Trans Union regarding their failure to remove false information from my credit report. As a concerned consumer, I believe that Trans Union has violated my rights by inaccurately reporting information that has negatively impacted my financial standing. 

I first discovered the false information on [ date ] when I obtained a copy of my credit report. To my surprise, Trans Union had included [ specific details of false information, such as inaccurate account balances or unauthorized accounts ]. These errors have tarnished my creditworthiness, causing significant distress and hindering my ability to secure favorable financial opportunities. 

I promptly took action by disputing the incorrect information with Trans Union, providing all the necessary supporting documentation to prove the inaccuracies. However, despite my repeated attempts, Trans Union has failed to take any corrective measures or provide a satisfactory resolution. Their lack of response and inaction have not only prolonged the damage caused but have also left me feeling helpless and frustrated. 

It is disheartening to realize that a credit reporting agency like Trans Union, which holds significant responsibility in safeguarding consumers ' creditworthiness, has neglected its duty to ensure accurate reporting. The false information has affected my ability to obtain loans, credit cards, and even housing opportunities. I firmly believe that Trans Union 's negligence and failure to rectify this situation are in violation of the Fair Credit Reporting Act ( FCRA ) and the rights bestowed upon me as a consumer. 

I kindly request that the XXXX XXXX XXXX  intervene and facilitate a resolution to this matter. I am seeking immediate action from Trans Union to remove the false information from my credit report, as well as an apology for the inconvenience caused and compensation for the damages endured. 

Enclosed with this complaint, please find copies of all relevant documents, including correspondence with Trans Union, credit report discrepancies, and any additional evidence that supports my claim. I trust that the XXXX will thoroughly investigate this matter and work diligently to ensure a fair resolution. 

I appreciate your attention to this urgent matter and look forward to a prompt response. Please feel free to contact me if you require any further information or clarification.
Product: Debt collection

Previous complaint filed - collection agency wording was VERY confusing - no proofreading done at all. Collector stated they can sue - statue of limitations has surpassed the 4yrs for the state of Tx. Also, agency reported they can report for 7yrs from date of charge off - thats incorrect SOL is 7 yrs from last payment or either first day of delinquency. Ive done plenty research on SOL in Texas.
Product: Checking or savings account

-Opened a CitiBank savings account Online early XX/XX/XXXX. 
-Total deposits of appx {$17000.00} were made by a Bank to Bank Transfer ( XXXX XXXX to Citi Bank XXXX 
-Prior to XX/XX/XXXX I was able to successfully withdrew 2 small amounts from the ATM using the Citibank supplied savings ATM card ( No more than {$500.00} total ). 
-On XX/XX/XXXX, attempted a third withdraw, at the ATM and the ATM machine indicated my account was unavailable. 
-Immediately ( XX/XX/XXXX ) I contacted customer service who advised me to call the Fraud department -I then contacted the Fraud Department, who advised me that my account was " in foreclosure '', but they could not tell me why or how to get my funds. They explained I would be contacted, by mail, in 30 to 60 days. -Over the next 60 + days, I have contacted CitiBank Customer Service ( XXXX ) and Fraud Department ( XXXX, Opt 2, Opt5 ) more than 15 times -Each conversation has resulted in the agent either explaining " 30-60 day by mail '' or simply hanging up. All Citibank representatives refuse to connect me with a supervisor or advise another contact point to help me understand the status of my account. 
-Prior to closure, my account had a balance of {$16000.00} -When I call the automated line now, my account balance is ( negative ) - {$16000.00} -My online access is deactivated and I no longer have access to my account number as of XX/XX/XXXX. 
-Through my 15+ discussions, I have been told various information from getting " a letter in 30 to 60 days '' to Getting a Check in 30-60 days, to being told I would not be getting a refund at all. My latest conversation, the customer service member indicated my balance was still in the account and had not been moved, but I can not verify that through any electronic means. 

Now after more than 6 months of attempts to regain my account and/or funds, and also filing a complaint with the OCC, I have received a letter from CitiBank saying they have determined the funds are not mine and they have closed my account and will not release any funds to me. The letter states the case is 'closed ' and they will no longer respond to any further inquiries. 

This was a very simple savings account with only 2 Bank to Bank Deposits for my daughter 's college savings. Now I have no access to the money and CitiBank has stolen the funds and will not return them. 

Attached files : Citibank Responses Claim to OCC and Appeal to OCC Evidence of Transfers from XXXX to CitiBank
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to propery investigate miy disputes regarding inaccuracies in my credit report. 
Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, TransUnion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. The list below is the account Im referring to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I work as the XXXX XXXX XXXX XXXX XXXX XXXX The organization owes a debt of {$7200.00} to a vendor, which has been sent to a debt collector, Caine & Weiner. The debt collector has repeatedly tried to contact me personally to pay the debt, including by calling and leaving a voicemail on my personal cell phone ( on XXXX XXXX XXXX  ), sending emails to my personal email address ( on XX/XX/XXXX ), and mailing notices to my home ( dated XX/XX/XXXX, delivered XX/XX/XXXX ). My assistant similarly received a voicemail left on her personal cell phone, an email sent to her personal email address, and notice mailed to her home. On XX/XX/XXXX, I sent an email from my work email address asking that any communications related to the debt be sent only to my work phone and email, but the debt collector has continued trying to contact me personally to collect the debt owed by my employer.
Product: Credit card or prepaid card

Viewed online my credit card information on XX/XX/18. Upon signing into and reviewing my account the statement reads " Enrolled in Repeat Payment '' ; below that it stated " No payment is required at this time ''. THIS INFORMATION IS FALSE AND MISREPRESENTS THE TRUE NATURE OF THE PAYMENT DUE. In fact a separate page lists the payment due on XX/XX/18. Barclays asserts that their statement " implies '' that because it lists " Enrolled in Repeat Payment '' that in fact " No payment is required at this time ''. FALSE. 

The crime here is the consumer, ( me ) might assume no payment is required and not list the upcoming required payment in their checkbook causing their balance to be overdrawn, causing overdraft penalties ; and they might inadvertently make a " late payment '' to the credit card company thus incurring late charges and/or interest charges from the credit card company. Furthermore this webpage also states, " Your scheduled payment of {$200.00} pays your statement balance of {$200.00} ''. It should more accurately state : " Your scheduled payment of {$200.00} ( due on XX/XX/18 ) pays your statement balance. A clear intent to mislead consumer for the benefit of Barclays.
Product: Checking or savings account

On XX/XX/2023, I found that my Chase saving and checking accounts were locked. On XX/XX/XXXX, I tried to call the Chase Bank and to check what happened. They told me after reviewed my accounts, they decide to close my accounts. I was shocked, because I have been Chase account for more than 7 years and I didn't have any suspicious activities.