23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I have been trying to request a payment link from Grain, once on XX/XX/XXXX and again on XXXX, to prevent any late payments from being reported to the credit bureaus. As I have previously experienced on several other occasions, I have not received any response back from either email and now my account is past due. The turnaround time for this company 's response is the worst I have ever seen and no one is ever available to answer phone calls. My credit payment history is now jeopardized as I am not able to log into my account or make a payment. On XX/XX/XXXX I received an email notification that they will auto draft the payment from my account, but that never happened and I am not able to log into my account. They are requesting that I provide PII ( Personally Identifiable Information ) via email which I am highly concerned with doing especially with a company that does not answer phone calls or respond promptly to service desk tickets. I am requesting that you pause any credit reporting until I am able to regain access to my account and remove any negative remarks. Additionally, I am requesting the required steps to regain access to my account as I have submitted the requested documentation with no response from Grain Technology and I am still locked out of my account. There are numerous complaints with the XXXX XXXX XXXX  regarding similar issues with many other individuals. This company is making it difficult to to stay current on my account as they have prevented access to my account and do not respond to email or support tickets. Their phone number is an endless loop so you are never able to get a response from a human or a timely reply to support tickets. They claim to offer a payment link on request, but I am not even able to get that because they do not respond to support ticket requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I received a letter appearing to be from Navy Federal Credit Union. The letter appears to be a response to an account with them. As I have never opened an account with said company, I contacted them. 
On XX/XX/2021, Navy Federal Credit Union reported this account to my credit report. On XX/XX/2021, Navy Federal Credit Union reported this account as valid. On XX/XX/2021, NFCU not only reported this as valid, they reported it as delinquent and that I owed {$12.00}. This report caused financial and emotional distress as my XXXX and credit report reported a negative thus, dropping my score drastically. 
XXXX XXXX XXXX XXXX has not been successful in solving this issue.
Product: Checking or savings account

Citi Priority Savings & Checking account. Citi makes it difficult and time consuming to close the account unless you pay fees. 

The bank places unreasonably low ACH transfer limits to registered external accounts - a $ XXXX monthly limit seems designed more to prevent access to funds vs mitigating risk. 

So when closing the account, a customer is required to pay a wire fee, or wait 3 weeks for a check in the mail. That's correct, 10-15 business days is what Citi requires to send your funds - all AFTER closing the account and keeping the float. 

Further detail - i called on Friday XX/XX/XXXX to close the account. After indicating my intent i was placed on hold and the call was disconnected. I called back, waited on hold and was transferred to two reps before finding out how difficult Citi makes it to access funds and close an account. 

Citi makes it easy to deposit, and hard to withdraw. That stinks. 

It's practices like this that make consumer protection agencies necessary - and that's an unfortunate tax on us all.
Product: Checking or savings account

On XXXX I was reviewing my checking account when I noticed abnormalities. I found that when I used my debt card to make phone payments and other transactions that instead of taking the money out of my checking account which was well funded U S Bank would make a fictitious account in the exact amount of the charge. Next they would charge this fraudulent account ( I say this because I never authorized any other accounts ) a fee of {$19.00} which isn't explained so that when they did attempt to pay the bill there would be insufficient funds ( by {$19.00} ) and I would be charged a overdraft fee.

On one instance on XXXX I got a {$620.00} bill from my home security company, instead of taking the funds from my checking account ( which held over {$4000.00} that day ) after the fees this {$620.00}. bill cost me over {$800.00}.

There were many other examples of this but when I brought it to the attention of XXXX XXXX at US Bank they blocked my access to my account history. They changed the fees to unexplained amounts but the account balances both before this transaction and after still show {$860.00} difference for a {$620.00} charge. They have denied me access to my moneys in my account ( theft through fraud ) for years and have actually hacked and made my files inaccessible. I need help dealing with this institution. I want ALL fees returned, an amount equal to what has been removed ; with interest, attorney fees paid, and a {$100000.00} tax free cashiers check as punishment. Doesn't sound like much but at this point I'll settle without court. If I have to argue this the all costs will become much higher. 
Thank You, XXXX XXXX
Product: Credit card or prepaid card

I did a balance transfer from this credit card company ( Capital One ) on XX/XX/XXXX and the balance is still showing as of todayXX/XX/XXXX. The card that I transferred the balance to is also showing the balance. Therefore, I now owe double on my credit file and it has affected my score. I contacted customer service and spoke with a " XXXX '' and he seemed confused by my questions of why I am still showing a balance. He thought I was asking to apply for an additional credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, has violated my rights XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Account # XXXX, has violated my rights XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) Account # XXXX, has violated my rights XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX, has violated my rights ( Original Creditor : XXXX XXXX XXXX XXXX Account # 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 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable to cause to believe that the information is inaccurate.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other advers item of information, other records of convictions of crimes which antedates the report by more than seven years
Product: Payday loan, title loan, or personal loan

I finance a loan for {$2000.00} and the place is over changing me they took my car when I wasnt even 30 days past due adding additional fees. I explained to them that my baby had XXXX and that I could make a payment on the XXXX XXXX XXXXXXXX can someone please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

AROUND XX/XX/XXXX, AFTER DOING AN ANNUAL CREDIT REPORT PULL. I NOTICED THERE WERE A LOT OF FRAUDULENT ACCOUNTS REPORTING ON TO MY CREDIT REPORT. WHICH ARE ILLEGAL TO REPORT INACCRURATE INFORMATION. 
FRADULENT ACCOUNTS- XXXX XXXXXXXX XXXX XXXX , XXXX XXXX XXXX XXXX FRADULENT HARD INQUIRES : XXXX  XXXX XXXXXXXX XXXX, XXXX  XXXX , Factual Data , FRADULENT HARD INQUIRES : XXXX  Factual Data , XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRADULENT ACCOUNT-XXXX Collections-Unknown- XXXX XXXX FRADULENT HARD INQUIRES : TRANSUNION : XXXX, Factual Data FRADULENT ACCOUNTS : TRANSUNION XXXX XXXX XXXX, XXXX XXXX WE HAVE ATTEMPTED TO CONTACT THEM. HOWEVER, THEY CONTACT TO REPORT THE FRAUDULENT ACCOUNT TO ALL 3 CREDIT BUREAUS AS ACCURATE AND REFUSE TO GIVE US INFORMATION PROOFING THIS FACT. NOW THEY HAVE STOPPED RESPONDING TO OUR EMAILS COMPLETELY EVEN AFTER SPEAKING WITH 3 OF THEIR SUPERVISORS. 
WE HAVE FILLED OUT AN IDENTITY THEFT AND CFPB REPORT WHICH THEY HAVE IGNORED THAT ALONG WITH MULTIPLE FCRA LAWS INCLUDING AND NOT LIMITED TO SECTION 609 WHICH ALLOWS US AS CONSUMERS TO REQUEST COPIES OF OUR OWN CREDIT REPORTS AND THE ASSOCIATED INFORMATION THAT APPEARS ON MY CREDIT REPORT. AS WELL AS PROVING THE FACT THAT THIS IS MY ACCOUNT.

PLEASE REMOVE ACCOUNT IMMEDIATELY FROM MY CREDIT REPORT AS THIS IS A VIOLATION OF MY LEGAL RIGHTS. AS WELL AS FCRA LAWS INCULDING AND NOT LIMITED TO SECTION 609,611 ( A ) ( 1 ) ( A ) AND FCRA U.S.C 161B
Product: Credit reporting, credit repair services, or other personal consumer reports

As the original creditor I did not validate these account, I am a victim of Identity theft these accounts are belong o someone else.
Product: Credit card or prepaid card

I opened a credit card with Best buy and unfortunately I did spent the whole thing right away and didnt pay it back on time maybe a few times I dont remember, but thats on me. However they reduced my credit limit at a time I was paying my credit card on time every single payment and even continuously paying my account on time they were dragging my credit down the hole. Then they dropped me to {$350.00} limit and put my available credit at {$0.00} so anytime I spent anything on the card it dropped my credit and notified me I have overspent. It has continuously taken my credit down due to it being a {$0.00} available credit, I was doomed if I used it and doomed if I didnt. Its been a few years on my report. They also spelled my name incorrectly on my card and it has been incorrect for years. When I told an associate they said it was fine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to TransUnion over a month ago, didnt hear anything back, so i sent a 2nd letter asking them to remove the wrong accounts. I thought the credit bureaus had 30 days to respond? It's been over a month, Ive sent 2 letters and i have not heard anything back  from them!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent in a letter XX/XX/2021 in regards of the misleading and unverifiable items on my credit report. Ive sent in several disputes, before opening up a case with cfpb. I've talk to the bureaus, the actual lenders, and yet have received any results in regards of my claims. I feel im getting token advantage of because I been having this issue for a while.
Product: Payday loan, title loan, or personal loan

On or about XX/XX/2018 I took out a loan from Personal Finance in XXXX Mo and purchased additional insurance for " involuntary unemployment '' around the month of XXXX or XXXX I was laid off from my former employer and filed a claim on said insurance however they refused to payout or cover loan payments stating I was seasonal although a Regional Director & District Manager can and will testify I was advised I was a full time employee but insurance I diligently paid for thru personal finance XXXX mo refused to cover me therefore putting me in an " economic hardship '' I intend to counter sue if they take action however recently and without my consent Personal Finance continues to run hard pulls on my credit I have demanded I revoke any original consent and they refuse to allow me to revoke my consent to do so this company sold me insurance that they knew wasnt going to cover me and they need investigated and fined for their frivolous actions. Shame on personal finance XXXX.
Product: Credit reporting or other personal consumer reports

I just got my credit report and noticed some hard inquiries don't have permissible purpose according to 15 USC 168.1b. I also attach a copy of credit report, can you please investigate these hard inquiries below. 
Hard inquiries : XXXX ) XXXX  XXXX XX/XX/XXXX. Delete this hard inquiry because of violation of 15 usc1681b 2 ) XXXX XX/XX/XXXX. Delete this hard inquiry because of violation of 15 usc 168 1b 3 ) XXXX  XX/XX/XXXX. 
Delete this hard inquiry because of violation of 15 usc 168 1b 4 ) XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because of violation of 15 usc 1681b 5 ) XXXX XXXX XXXXDelete this hard inquiry because of violation of 15 usc168 1b 6 ) XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because of violation of 15 usc 1681b 7 ) XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because of violation of 15 usc168 1b 8 ) XXXX  XXXXDelete this hard inquiry because of violation of 15 usc 1681b 9 ) XXXX XXXX XXXXDelete this hard inquiry because of violation of 15 usc1681b 10 ) XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because of violation of 15 usc 168 1b 11 ) XXXX XXXX XX/XX/XXXX. delete this hard inquiry because of violation of 15 usc 1681b 12 ) XXXX XX/XX/XXXX delete this hard inquiry because of violation of 15 usc 1681b 13 ) XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because of violation of 15 usc 1681b 14 ) XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because of violation of 15 usc168 15 ) XXXX XXXX XX/XX/XXXX. 
Once you have deleted the hard inquiry from my credit report, please send me a copy of my updated report. Thank you.
Product: Checking or savings account

Vendor shipped my package to another consumer. When I inquired to vendor by email I was ignored for 2 weeks ( sent 3 messages ). I contacted my bank, Chime Bank, to process a chargeback. Vendor contacted me stating that they received the claim and that it was their error ( they shipped to another customer instead of me ) and they offered to ship or to refund. I asked for a refund. A few days later they told me to contact my bank. Chime has no record of any representative of said vendor contacting them for the claim and now refuses to respond to my emails. All of their responses are copy and paste. The total refund due back is {$53.00}. My bank closed the complaint even with proof from the vendor that the error was not my fault.
Product: Vehicle loan or lease

The dealership is located in XXXX alabama. Kia of XXXX. This person from the dealership claimed to be the CFO/CEO of the dealership. He proceeded to use profanity against me besides listening to my problem. Because I made a complaint to the attorney general office of alabama. There is nowhere on the complaint form to put my social security number on here. I will just give my last 4 numbers. " XXXX '' My birthday XX/XX/1958. I then told him off and hung the phone up. I will never do business with kia or buy a car from kia. I should have known from my experience with kia 20 years ago. When I had {$4000.00} down but they refused that even. So I bought a hyundia XXXX who was nice to give me a loan and the Hyundia dealership gladly took the {$4000.00}. But if i was approved. Why did I need a co-signer? The kia salesman XXXX years ago was as nasty to me as this CEO was to me. They contacted me first because it had been a year since my bankruptcy was discharged. They pull this dirty trick to get you in the dealership just to embarrass you. I will never walk into another kia dealership ever again.
Product: Mortgage

when i did a mortgage modification years ago XXXX requested a Quite Claim deed to remove my then wife from the property as we were getting a divorce and she was not part of the Modification. I was the only person to sign the new load information. She is still showing up on the loan and the loan company, SPS is telling me they are using her signature on the Quite Claim XXXX as her acceptance of the debt. How is a doc that releases her claim to the property an instrument to accept the debt on a loan she did not sign?
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, RE : Account Number - XXXX After viewing my credit report I noticed inacurrate information listed on my report. I submitted a dispute to the 3 bureaus ( TransUnion, XXXX and XXXX ), XXXX deleted the account due to unverifiable information. However TransUnion and XXXX have yet to remove the account and provide me with the requested inforamtion. 

After receiving no response from TransUnion and XXXX I pulled my credit report for a second time and noticed that neither bureau made remarks on my credit report stating that account XXXX is in dispute. Per the FCRA ; Indication of dispute by consumer. If a consumer reporting agency is notified pursuant to section 623 ( a ) ( 3 ) [ 1681s-2 ] that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information. Counting the number of days between pulling my credit report I've determined that it has been 60+ days since my first dispute and neither bureau have listed the account as " in dispute ''. 

Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Im requesting TransUnion and XXXX provide me with the following : What the money XXXX XXXX say I owe is for. 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Identify the original creditor, as the original credotr listed is just " medical '' Prove the Statute of Limitations has not expired on this account. 
Show me the you are licensed to collect in my state. 
Provide me with your license numbers and Registered Agent or Agent of Service. 

Because of the FCRA violation and no response, as well as failing to validate the account Im requesting to have the account removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX  XXXX XXXX  XXXX  Balance : {$10.00}, XXXX XXXX XXXX XXXXXXXX  Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, therefore any such debt, in fact does not exist. In accordance to the fair credit reporting act, this account has violated my rights as U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 

I ALSO DO HAVE AND DO NOT RESIDE AT THE ADDRESS IN WHICH THESE COMPANIES PROVIDED THUS IS ILLEGAL WITHOUT MAIL VERIFICATION TO REPORT INACCURATE INFORMATION ON MY BEHALF
Product: Checking or savings account

On Monday XX/XX/2021 my husband used his debit card to purchase gas. There must have been a skimmer on the pump and someone took it upon themselves to use his card for a bunch of bogus charges. We were at our local water park that day with family and did NOT have our phones with us. When my husband checked his phone later in the day he had received a fraud text alert from TCF bank, our current financial institution, he replied " N '' for no stating it wasn't a transaction made by him. The fraud department contacted him and asked questions and declined the charge. I jumped on to our account and noticed multiple other fraudulent charges and immediately called TCF back, because it was a holiday the wait time was over 30 min. The first representative my husband spoke with failed to cancel the debit card and charges kept going through. There were 31 {$50.00} charges and 8 {$25.00} charges for a total of {$1700.00}, all made with the same company XXXX XXXX XXXX XXXX XXXX. From my research this is a clothing store geared toward young men. We reported the fraudulent charges within 6 hours of the first text notification and TCF fraud investigation is denying that they were fraudulent. Stating that we benefitted from the charges and are refusing to return the lost funds. It's very clear that these charges were fraud, they don't align with any of our previous or current spending habits. Why would anyone run {$1700.00} in {$50.00} and {$25.00} incriments? When I contacted TCF customer service on Tuesday XX/XX/2021 the rep I spoke with agreed that they were suspicious and looked to be fraudulent. I have appealed their decision twice and they keep refusing to return our money.