23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

We have a Citi Visa credit card branded with Best Buy. The statement cut on XX/XX/XXXXwith a balance of {$6400.00}, due XX/XX/XXXX. We signed up through Citi bank 's website to make ACH payments by direct debit of an account at our primary bank. 

On Sunday, XX/XX/XXXX, we submitted payment of the full balance of {$6400.00}. Monday, XX/XX/XXXX that amount was debited from our account. 

As of Wednesday XX/XX/XXXX Citi showed that the payment had been made, but had not added the funds back to our available credit. I call and spoke with a representative who said it normally takes two business days to post payments. This does match Citi 's Terms & Conditions. 

As of Thursday XX/XX/XXXX it was still not available. I called again and now the rep said because it was a large payment it had a float hold of 7 days instead of 2. A 7 day float hold for an ACH payment they received on XX/XX/XXXX? Because Thursday was XXXX the call could not be escalated to a supervisor. 

As of Monday XX/XX/XXXX, seven days after Citi received payment by electronic transfer, the payment was still not in the available balance. I called again, escalated to a U.S. supervisor, who transferred me to a credit specialist, who spent 5 minutes trying to reach XXXX XXXX XXXX, who then transferred me to another manager, who then spent several minutes reaching XXXX XXXX XXXX, who then went though an almost comical phone call to verify that in fact XXXX XXXX XXXX had transferred {$6400.00} on Monday,XX/XX/XXXX 

My company writes ACH and payment processing software. There is no float on ACH. My bank has the choice of rejecting the payment or transferring the funds. Citi received confirmation of it, at the very latest on the XX/XX/XXXXbut much more likely on the XX/XX/XXXX. 

The float policy is unreasonable to electronic payments. It should not require 3 calls and 7 days to get credit for funds that were transferred to Citi electronically.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending multiple written requests but the accounts that are listed below are still showing on my Credit Report in violation of Federal Law. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

1. XXXX XXXX XXXX Balance : {$1100.00} Date Open : XX/XX/XXXX 2XXXX XXXX Balance : {$880.00} Date Open : XX/XX/XXXX 3. XXXX  XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian has not responded satisfactorily to any of my request. Experian has violated my right to fair and accurate reporting pursuant to 15 USC 1681. Experian is in violation of 15 USC 1681i ( 6 ) ( b ) ( iii ), information requested was not provided in regard to the method used to verify the information being reported. Experian is in violation of 15 USC 1681a ( 3 ) ( e ) investigation relied solely on the furnisher and no personal interviews with anyone who may have first-hand knowledge of the transactions. Experian is in violation of 15 USC 168e ( b ) and did not use reasonable procedures to assure maximum accuracy of the information. Experian has not provided information obtained from furnisher verifiable proof of permission either verbal or written to report items on my consumer report pursuant to 15 USC 6802 and has violated my right to privacy. Experian has caused me financial and emotional hardships due to denial of credit that would be used for my personal, family and household purposes. Experian continues to ignore my request to correct these errors. Experian continues to provide inconsistent information on my report. Experian is in breach of a fiduciary responsibility to verify any and all information being reported and continues to slander my name which is published to the public
Product: Credit reporting, credit repair services, or other personal consumer reports

wells fargo placed me on a loan modification program and at the end of the 6 month trial after I made all payments and on time, they marked the credit report as 120 days. I need wells fargo to make this correction
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent XXXX & XXXX and Debt Validation to XXXX and certified mail w/signature was signed and dated for XX/XX/2022, signed by " XXXX XXXX XXXX XXXX Received an email on XX/XX/XXXX from " XXXX XXXX '' advising me of receipt and they will be working on my correspondence within 30 days. On XX/XX/XXXX, sent a reply to XXXX requesting for the reply since it was well over the 30 days. No one replied up until XX/XX/XXXX, from " XXXX XXXX '' requesting I verify information by giving them my XXXX acct number, or social security number, DOB and First and Last Name. Also, I should restate question and concern. 

On XX/XX/XXXX, I received a message stating the XXXX account has been closed and the amount has decreased. Still no update from XXXX. 

XXXX has destroyed my credit report along with my reputation to gain additional credit since this reporting is derogatory on many levels. 

I am demanding this account deleted from all CRAs including but not limited to, XXXX XXXX, XXXX, etc.
Product: Bank account or service

Wells Fargo Bank keeps denying me a checking account for no reason. I have had a checking account with them once for 2 weeks which they have closed with no explanation. I have tried to apply and open a new account with them however they keep refusing it with no clear explanation.
Product: Credit card or prepaid card

Earlier today, after reading a " restriction '' prompt on both my Capital One XXXX and Quicksilver cards, I just found out that they have closed two of my accounts. 
I have reached out to them this morning and spoke to two account managers. The first person I spoke to was just robotic and unnervingly unempathetic, the second manager had a better tone but both could not give me " FAIR '' option/s. They said that the reason behind the closure was due to the multiple return payments occurred on both accounts. Let me be clear that I respect the terms and conditions, what I do not understand is the lack of communication from them, not even an inch of investigation on what was going on. I have always been on top of my payments, never neglected my accounts because I know that this will affect my credit score. I also reach out to them if problem occurs and tried fixing them. One problem I have is the multiple bank accounts that I have linked to my credit cards, causing trouble in several occasions because I get confused on which account should have been used. Moreover, I have had incidents of compromised banking specifically the ones I have used recently to pay my XXXX card. 
Now, with all these things mentioned, it just unfair on my part that simple mistakes I have committed, even if I am paying them off regularly would result into an unjust closure. Not to mention the many times my Quicksilver was compromised too and had it replaced, not to mention the many times I have experienced terrible services from Capital One due to miscommunication among their representatives.
Product: Mortgage

I have made payments online with Domerville Mortgage over the course of years .They took that option away from me saying that I filed bankruptcy and didnt file a a form stating that I would still make and be accountable for my mortgage was is false ..This document was filed and signed .The document was also forwarded to the by Maryland Housing Development whom the loan was generated through..Dovenmuehle Morttagage has yet to set the account so I can make online payments.When I call to make payments Im left on hold forever without response..This has been going on for 6 months now..Its as if they want me not to make payments..Ive talk to several individuals who couldnt explain why I didnt have access before being on a 3 way call with myself .Maryland .Department of Community Development and Docenmuehle Mortgage ... and till Date I am still dealing with this issue and it has yet to be resolved ..
Product: Mortgage

I paid Amerisave {$500.00} to refinance my home. Less than 24-hours after I sent the {$500.00} to this company using my debit card, I decided to go into a Chapter XXXX Bankruptcy. No company would refinance my home. I was totally stressed because all my family is deceased. I only have my home and am retired, elderly and have health issues. 

I hope Amerisave is not trying to take advantage of an elderly widow who wants to keep her home? I sent Amerisave {$500.00} because I hoped the company could refinance my home. 

I reviewed my financial situation and knew that I was not a candidate who XXXX  XXXX XXXX ( XXXX ) would help me in any manner. XXXX  was extremely unaccommodating in trying to refinance my home under any circumstances. I know that XXXX  XXXX XXXX wanted to make my life miserable and refused to refinance a $ XXXX 2nd mortgage. 

I began trying to refinance my mortgage in XX/XX/XXXXwith XXXX. I was played, disrespected and belittled by this giant institution, XXXX. My paperwork was lost, missing or not found when I tried to determine what the status of my refinancing was with XXXX. 

After agony, grief and a hard look at my financial situation, I immediately told the representative of Amerisave of my decision to stop the drama and ill-will from every company I tried to get my home loan refinanced.

The company, Amerisave, returned the {$500.00} on XXXX to my account. Now, this company has charged the original {$500.00} again. I am XXXX-years old, widowed and have paid my bills on time. I am disturbed that Amerisave is taking advantage of the elderly. Why would Amerisave reverse these charges?

I have health issues and need my money from Amerisave. This company did no actions on my behalf. Please help me get my {$500.00}. 
These are my bank charges below : XX/XX/XXXX XXXX XXXX XXXX - AMERISAVE MORTGAGE COR Credit Reversal - {$500.00} XX/XX/XXXX XXXX  Simply Checking Card Adjustment Signature ( Credit ) AMERISAVE MORTGAGE COR XXXX XXXX Purchase + {$500.00} XX/XX/XXXX XXXX Dispute Credit - AMERISAVE MORTGAGE COR Provisional Credit + {$500.00} XX/XX/XXXX Amerisave Mortgage Purchase - {$500.00}
Product: Student loan

Called MOHELA on XX/XX/XXXX to ask for COVID-19 loan repayments refunded in full, all payments since XX/XX/XXXX, which is {$15000.00}. I was told by MOHELA operator that it would take 30 days and that I will be refunded through check. Even when I asked if I could be refunded through direct deposit, the operator said no it could only be through check. I asked if I could have confirmation for that request, either an email or a confirmation number, and was told that no there would be no confirmation. I called again on XX/XX/XXXX to follow up on progress and confirm request. I was told that it was received, said it could take 60 days, and that payment will be refunded the same way in which it was paid for, which was direct deposit. I am getting misinformation on the status of my refund and do not know what is right. It is now past the 30 days estimate and there has been no change or update on receiving my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam I am writing to dispute the following information in my credit file. 
The car loan with XXXX XXXX XXXX was pay off by my insurance in 2018 due to my car being declared a total loss. I call XXXX XXXX XXXX last week to ask why we have late payments on the account. The representative told me that I needed to make payments even if the car was declared a total loss. I am asking you to please reconsider to take these late payments off the account. We had the car for almost two years, and we never had a late payment. The account now is pay off and closed.
Product: Checking or savings account

On XX/XX/19, unauthorized money was transferred from my savings account into my checking account at a location in New York ( XXXX ). CapitalOne failed to inform me of such breach. I was made aware of such fraud when I physically went into one of the branches near where I reside ( XXXX XXXX, MD  ). I closed those compromised accounts and opened new ones. I ordered new checks ( {$27.00} ) and called the 5 vendors to whom I bounced checks to not because of insufficient funds but because of a hold on my checking account. On XX/XX/19 I physically went into a CapitalOne Branch near where I work ( XXXX VA  ) to withdraw money and was then made aware that there was fraud on my new accounts. Once again CapitalOne failed to inform me of such breach. I was informed that someone went into a CaptialOne Branch ( XXXX NY ) on XX/XX/19 and withdrew {$3100.00}. Presumably the same person attempted to withdraw {$2700.00} at another location on XX/XX/19. The teller at the second location suspected fraud and called the police. Once again I had no idea this was happening and CapitalOne failed to notify me. This has put unnecessary stress on me. I've had to change my direct deposit twice with my HR department and since enrolled with another banking Institution. It is worth noting Ive been a customer of XXXX XXXX/CaptialOne for about 30 years. I've had to enroll in XXXX ( XXXX XXXX monthly expense ). I've had to miss several days of work to address these banking issues and to address additional problems with bouncing of check ( s ) at the MVA. The investigator at MD MVA told me that they have been receiving lots of fraud coming out of New York with regards to CapitalOne. It is my opinion that CapitalOne is negligent at best and if not complicit in a cover up of data breach of their system. I believe CaptialOne should justly compensate me for time off work, undue stress and all the headaches and financial burden that come along with Identity Theft.
Product: Prepaid card

On XX/XX/year>, I purchased XXXX {$200.00} XXXX XXXX XXXX from XXXX 's XXXX XXXX XXXX in XXXX XXXX. The card numbers are : XXXX XXXX XXXX XXXX I attempted to use the cards, and the transaction was declined. I called XXXX customer support on XX/XX/XXXX. They opened ticket XXXX on my behalf. I sent in the requested receipts on XX/XX/XXXX. 

On XX/XX/XXXX, I get a reply via email for the ticket. The XXXX XXXX said that I must return to the XXXX 's store because the cards were not activated. 

XXXX 's can not process a refund for gift card purchases. The receipt shows that the card activation was approved, but that activation could take XXXX hours. Again, XXXX 's can not process a refund for a gift card purchase that shows the card was approved.
Product: Checking or savings account

On XX/XX/2022 I went to the ATM machine to check on my balance and I got a slip with a positive balance of {$1.00} and change... So since I got a positive balance slip I decided to get my overdraft courtesy of {$500.00} dollars and then I got a negative balance slip which I understand plus a fee of {$35.00} of which I understand but what I don't understand is why I got XXXX more overdraft fees the next day If I thot all my transactions were paid since I got a positive slip and also in my PC online banking gave me a positive balance. And this has been going on for XXXX I have been a loyal customer for years The response I get from XXXX is we can only help you with XXXX XXXX fee every XXXX XXXX Thanks
Product: Checking or savings account

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from Citibank concerning my Certificate of Deposit ( CD ) account. The letter incorrectly stated my name as XXXX XXXX ( see attached ). Kindly note, my legal name is XXXX XXXX XXXX XXXX I have attached a copy of one of my accounts that I opened on XX/XX/XXXX in my legal name, as stated above. Also, I attached a copy of the CD account I initially establised on XX/XX/XXXX in my legal name XXXX XXXX for your review. My Citibank accounts were all opened in my legal name XXXX XXXX XXXX I have never requested my name to be changed to XXXX XXXX. Kindly see my passport identification page and my NYS Driver License with my legal name, XXXX XXXX and my home address. 

Upon receiving the letter about the CD account on XX/XX/XXXX, I logged into my online banking account and noted that my name was also changed to XXXX XXXX on my Citibank profile. 

On XX/XX/XXXX, I immediately called Citibank and spoke with a Citibank customer service representative and a Citibank supervisor about the incorrect name on the letter and on my online banking profile with all my personal accounts with Citibank. They had no explanation as to why my name was changed, without my permision. However, they both told me that Citibank will mail a form to me and that I should complete it and mail it back to them and that within 7-15 business days Citibank will remove XXXX XXXX and update my name with my legal name, XXXX XXXX XXXX 

Kindly note, I did not request a name change at Citibank nor did I authorize a name change with a Citibank representative. I explained this to both of these ladies. They reiterated their statement that Citibank will mail a form to me to update my accounts with the name change. Again, I did not request that Citibank change my legal name, XXXX XXXX that is on all communications from Citibank prior XXXX receiving this letter today on XX/XX/XXXX, to XXXX XXXX XXXX The Citibank representatives were unable to provide an explanation about the change of my name on my accounts. 

The problem that Citibank created is that they changed my legal name, XXXX XXXX on all my accounts to XXXX XXXX without my permission. 

This situation happended in XXXX, as well. At that time, I went into the local branch in XXXX, New York and completed the forms that Citibank mailed to me to get Citibank to correctly reflect my legal name XXXX XXXX on all my accounts and remove the name of XXXX XXXX XXXX my bank accounts. 

Citibank 's practice of changing my name internally without my permission is unprincipled and deceptive. I am asking for help in this matter to protect my assets at Citibank.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts and inquiries listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these items were fraudulently opened or conducted in my name without my authorization.

The fraudulent accounts and inquiries are as follows : Accounts 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit report act the accounts XXXX XXXX : Account number : XXXX below has violated my rights 15 U.S 1981 section 602 A States that I have the right to privacy. 15 U.S 1981 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

I am writing because you are reporting the following accounts without my permission which violates 15 USC 1681b. I am writing because you are reporting the following accounts without my permission which violates 15 USC 1681b. Until you can produce a contract between you and I, XXXX XXXX bearing my signature, showing that I gave you permission to furnish any information on my behalf, I am demanding the following accounts be deleted from my consumer report. 

Continuing to furnish this information in the absence of any such documentation bearing my signature, you are subject to criminally liable pursuant 10 15 USC 1691k.
Product: Credit reporting or other personal consumer reports

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.The account listed are not transactions done by myself.
Product: Checking or savings account

I am filing a complaint with the CFPP regarding capital one failure to deposit my direct deposit from my employer. Capital one has a technical issues, which may violate the Electronic Funds Transfer act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance and investigating this management to ensure my rights are upheld. Thank you. My company sent the funds and I was supposed to have them on Thursday. It is now Friday night at XXXX PM and I still do not have them. I can provide more documentation if needed.
Product: Vehicle loan or lease

I purchased  a used    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Motorcycle  from  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , GA.  XXXX  During the process I was asked if I wanted to purchase their extended warranty, at a cost of {$2000.00}. I said no. I had someone with me as well who also will attest I said no. I have a document from the company where it says I declined their warranty.   And yet I have a {$2000.00} addition to my loan without my consent. I called  XXXX  at  XXXX   XXXX  and complained about this, stating I had refused the warranty, after I questioned what the amount in " Taxable/Other Non Taxable " was. She said it was for taxes on the motorcycle and the warranty. I told her i refused the warranty, signed off on refusing the warranty and wont take the motorcycle under false pretenses. She simply said " Oh, sometimes they make you take a warranty.. to get the loan '' .. I said I was never TOLD I would be taking the warranty whether I wanted it or not. The documents SHOW i refused this warranty. I was suppose to hear back from  XXXX , she has declined to call me. I called several times, trying to reach her, left messages to the effect I refuse this loan agreement, this is tantamount to loan fraud, and demanded they remove this warranty from my paperwork. They also " padded '' their document fees and " Freight and prep '' fees to the tune of nearly {$900.00} on a USED motorcycle. THERE IS NO FREIGHT AND PREP. they didnt PUT anything together, they didnt even change the oil or air filter or spark plugs. there was no " PREP or FREIGHT '', the motorcycle was traded in. This is an outrageous extra charge to deliberately " Back door '' the buyer ( Me ), as they had a low FRONT end price on the bike, and had every intention of swindling the buyer on the backend.     At NO TIME did  XXXX  go LINE BY LINE and explain the " extraneous charges ''. I had been held up for  3.5  HOURS, was the end of the day, was after I got off work, and they simply used this against me in my signing off on what I thought was a simple loan. The Amount I financed I THOUGHT was the total WITH INTEREST ... I was charged an additional {$6200.00} ON TOP of the {$3500.00} I put down on a {$6800.00} MOTORCYCLE.     This is dealer deception and backroom swindling at its worst.     I told  XXXX  if they refused to take this charge OFF my account, then I wanted a full refund of every penny I put into this bike, some {$4700.00} so far, and they could come and TAKE THE MOTORCYCLE ...   I have yet to hear back..
Product: Debt collection

XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, CA XXXX Date : XXXX Amount : {$540.00} Account : No XXXX I never signed for anything and they did not check for any ID. I want this Debt off or I will make a complaint.