23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion received information from their source, XXXX XXXX, stating they removed the bankruptcies from their XXXX XXXX report and transunion refuses to remove it from theirs. transunion also stated, the obtained the information about my bankruptcies from the bankruptcy courts. I sent them the letter from the bankruptcy courts, stating, they do not verify bankruptcies. I have been sending transunion this information from the year 2020. I have uploaded you the documents from all sources.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their " 360 high yield interest " savings accounts. Capital one misrepresented the 360 Savings account as having one of the nations highest interest rates, yet failed to notify account holders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the consumer financial protection act and the truth in savings act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Vehicle loan or lease

On XX/XX/ I erroneously paid Prestige XXXX XXXX a payment of {$260.00}. OnXX/XX/XXXX I erroneously paid Prestige a payment of {$240.00}. I no longer use Prestige XXXX XXXX. I am with XXXX. I did auto payments from my checking and it erroneously went to Prestige XXXX XXXX. They have refunded me the {$240.00} but NOT the {$260.00}. I have called Prestige numerous times. I get a different story every time. I have faxed and emailed my banking statement to them to no avail.
Product: Mortgage

We are having a hardship and closed the business and need the mortgage modified to a 3 % interest rate and extend to 480 payments due to loss of job, income, and business.
Product: Checking or savings account

On XXXX XXXX, XXXX, I received a XXXX notification that an account had been opened at XXXX XXXX XXXX XXXX XXXX BB & T ) XXXX Texas branch using my social security number. Immediately XXXX attempted to contact BB & T, but no calls were returned. A couple of weeks later, another XXXX notification indicated some account activity at that branch. A three-way conference call between myself, XXXX and " XXXX '' from the XXXX XXXX took place and the issue was discussed. XXXX said she was unable to determine or view which documents were used to verify identity and open the account. 
a. I find this response odd as identification should be provided when an account is open, and this information should be accessible by parties in the bank with high-level access. 

During the call, I was assured that XXXX would contact the person who opened the account and that verification would be determined. She was to return my call within two days.
Three days went by and I had not received communication from the XXXX XXXX, so I called them back. 
XXXX told me she was 'meeting the client that night after hours to verify identity '' and that I would be called back the very next day! 
a. I find this statement odd. Since when do bank managers meet clients after hours to verify the identity of a person when it should have been provided when the account was open? 

Now four more business days have transpired and there has been no contact in any form from BB & T. I reached out again today to speak with XXXX and was told she was out of the office until Thursday. 

It is VERY frustrating that an account can be opened using someone else 's SS #, and that the complaint of such activity has to be escalated to this level. My experience with banks and credit unions are that I always have to provide identification, and that information is kept. I see no reason why the XXXX XXXX can not explain how my SS # was used and that proper identification was not gathered.
Product: Credit card

I was given XXXX false statements from chime regarding my dispute I have filed and was rudely talked to and hung up on with no help
Product: Credit reporting, credit repair services, or other personal consumer reports

The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment on my credit report : exercising my consumer right to opt-out of having my transaction history or balance history information recorded on my credit report I am demanding that this account be updated to Paid as Agreed and Never Late. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. Code 1681b- Permissible purposes of consumer reports. My transactions and my experiences are not supposed to be reported on my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a purchase in the amount of {$110.00} at XXXX XXXX XXXX XXXX with my Citi Double Cash card. When I reviewing charges later in XXXX I noticed I had been charged for three separate charges at XXXX XXXX on XX/XX/XXXX. One charge was for {$42.00}, the second for {$72.00}, and third for {$110.00}. The charges for {$42.00} and XXXX add up to {$110.00}. I was DOUBLE CHARGED. The next time I was at the golf course we reviewed their point-of-sale ( POS ) system for the charges from that date and they had no record of the charges for {$42.00} and {$72.00}. Their POS system on showed the {$110.00} charge. 

With this information, I then filed a dispute for the charges of {$42.00} and {$72.00} with Citi Bank in late XXXX via the chat system Citi has online. A week later, on XX/XX/XXXX, I contacted Citi to ask for a status of the disputes and I was informed that I had withdrawn my dispute, which I had not. I then filed the disputes a second time using Citi 's online dispute system. The dispute for {$42.00} was immediately approved but the dispute for {$72.00} was not. Citi then contacted XXXX XXXX to ask for information related to the disputed charge. XXXX XXXX provided Citi Bank a printout from their POS system with charges from XX/XX/XXXX. Keep in mind the date of the disputed charges is XX/XX/XXXX, not XX/XX/XXXX. With this information from XXXX XXXX, Citi Bank denied my dispute. 

I have again disputed the transaction for {$72.00}. Given that it is clearly obvious I was double charged ( again {$42.00} + {$72.00} = {$110.00} ) it is beyond me why Citi has bungled the dispute twice already so I think it is appropriate that the CFPB be aware. 

At this point, I expect that Citi not only reverse the {$72.00} charge from XXXX but I also expect them to provide a sufficient response to me for and compensation for all the time I have wasted because of their incompetence.
Product: Credit card or prepaid card

I have been a victim of a scam by a dental practice. ( XXXX XXXX  ) Located in XXXX Florida They deceived me into paying for services that were never provided and presented plans that are not even offered by XXXX XXXX. I took action by filing disputes with my bank twice, providing substantial evidence to support my claim of not receiving the promised services. I have provided text messages of plans offered and not rendered. It is deeply unfair that the bank has not supported me in this matter, considering I was not provided the services I paid for. Despite reaching out to them numerous times, I have been continuously redirected from one department to another, without any resolution or answer. I strongly believe that the bank should prioritize its customers. The appropriate method for conducting a XXXX consultation is through an in-person visit rather than over the phone, where pictures are provided to a coordinator. It's important to note that a coordinator is not a doctor, and their expertise may not be sufficient for an accurate assessment.
Product: Debt collection

Citibank has been callingfor almost XXXX weeks..at firsti thought it could have been a wrong numnber.When i would pick up then the phone would hangup.I get the calls first thing inthe mornings, during the day and pplthe evenings. I contacted a XXXX number and told the person what was happening and they said i should not get any more calls and i just received another from XXXX the same number. 
I have toneved had anaccount with Citibank and when it call it never asks to speak to someone. The number that is calling me is XXXX.
Product: Checking or savings account

Responding to a promotion of {$200.00} bonus, I opened up a checking account at Peoples United Bank XXXX branch XX/XX/2019. By XXXX, I have met the requirement to receive the bonus. Not seeing the bonus posted to my account, I have contacted the bank multiple times. Back in XXXX, I spoke with XXXX initially, who said that he agreed that I had met the requirement, and needed to work with the back office to get this processed. Since then, I have followed up multiple times, all with the promise to call me back, but never happened across different bankers in the XXXX XXXX XXXX branch. Finally, Spoke to XXXX today who indicated that their marketing team refuses to grant the {$200.00}.
Product: Credit card or prepaid card

My son has been using this card for years with no problems until now. I had used the card XX/XX/2020 and no problems. Went to use it XX/XX/2020 and it didn't work, tried withdrawing funds from it on Wednesday XX/XX/XXXX ATM said they could process the transaction and to contact the financial institution. I have been trying to call for two days and there is no option to check balance or anything you just sit on hold for hours with no answer. Tried logging on to check his account online and it thanks me for requesting a new password and says it sent a link to my email, never received a link to reset the password. Went to Social Security they said there was nothing they could do but are sure Comerica will correct it. Tried calling a different number social security gave me and was told by a customer service supervisor they don't service the cards that start with my number and can not access my account and they are not the same company even though the original representative tried transferring me to the department that did service my card. Im pretty sure the supervisor was lying. My son needs his money. If they locked him out of his account with no access to his money what resolution does he have to get his money back? My son is XXXX years old, I am his payee representative.
Product: Debt collection

Apartment move-out, excessive charges. Lease states I provide electric utility, which I did, however management charged electric fee. Carpet replacement fee was for normal wear. I disputed initial collection. 
The collection is for an end-of-lease apartment move-out and contained excessive charges ( Claimed over {$2600.00} in damage for a unit rented for {$640.00} ) : Lease states I provide electric utility, which I did and cancelled the day I moved out, however management charged electric fee. 
Carpet replacement fee was for normal wear. Claimed {$1500.00} Painting fee was from normal wear and tv mounting holes. Claimed {$650.00} Microwave replacement fee? It worked when I moved out. Claimed {$200.00} They also charged fees for cleaning, removing trash, replacing blinds and a door. Claimed {$400.00} I disputed initial collection both to the apartments and collection agency, stating neither the carpet nor the paint were new at move-in and that I was a resident for several years so wear and tear was normal. It seems to me the apartments XXXX XXXX owned by XXXX XXXX exaggerated fees and repairs to drive up move-out statement.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Fraudulent Activity and Demand for Correction on XXXX XXXX XXXXXXXX credit card I am writing to formally dispute the fraudulent activity on my credit report from Bank XXXX XXXX stemming from the unauthorized use of my stolen credit card. Despite my prompt reporting of the theft to the issuing bank and local authorities. Police Report XXXX : XXXX, Date : XX/XX/year> Was filed with XXXX XXXX police department. Experian has failed to correct the erroneous information. Fraudulent Transactions : I Demand for Correction : 1. Immediately remove the fraudulent transactions from my credit report. 2. Correct my credit score to reflect the removal of these transactions. 3. Provide a corrected credit report to all entities that have accessed my report in the past 12 months. Failure to Comply : If Experian fails to comply with my demands within 14 days, I will : Report to the Federal Trade Commission ( FTC ). Pursue civil litigation under 15 U.S.C 1681 ( Fair Credit Reporting Act ). Seek damages for negligence, defamation, and emotional distress. You are hereby notified that I will seek relief under : 15 U.S.C. 1681 ( Fair Credit Reporting Act ) - 18 U.S.C. 1343 ( Fraud by Wire, Radio, or Television ) - State-specific consumer protection statutes Failure to comply will result in : - Actual damages - Punitive damages - Attorney 's fees and costs - Injunctive relief XXXX XXXX
Product: Credit reporting

I have been disputing several unauthorized inquires with Transunion since XXXX XXXX. As of this date they have intentionally failed to provide the evidence required by Federal Law to provide me PHYSICAL EVIDENCE that I gave consent for Transunion to perform the following Inquiries ... 
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: Mortgage

I closed on a home purchase XX/XX/2022. My wife and I were the only ones there to close with the attorney. Atlantic Coast Mortgage charged me {$18000.00} in " loan fees '' with a VA loan. I've never had to pay anything up front with a VA loan. When I asked for an explanation I was ignored. 

Atlantic Mortgage XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX
Product: Mortgage

SPS did not tell me ( written or verbally ) that my house was put in foreclosure. I did not recieve any certified letters or anytging. SPS took it upon themselves to notify XXXX XXXX XXXX XXXX an attorney and counselor at law to put my house in foreclosure. I have an attached letter stating that XXXX XXXX sent dated the foreclosure letter for XXXX XXXX2017. I called SPS and they told me they did not know why XXXX XXXX sent the foreclosure letter without their approval or before they informed me of the foreclosure date. I am in a predatory loan and at new law was passed that protects homeowneemrs against predatory lending and any interest rate over 5.5 % is considered predatory. I have a 8 % loan SPS should be informed that it I am a victim of predatory lending I can sue the bank. Please, stop the foreclosure and give me a modification.
Product: Checking or savings account

On XX/XX/2020, I contacted US Bank to place a stop payment on charges to my checking account from XXXX XXXX. The representative I spoke with advised me of the {$35.00} fee, and I agreed. The {$35.00} was applied to my checking account. I was under the impression ALL charges from XXXX XXXX would be refused as unauthorized. 
On XX/XX/2020, a charge in the amount of {$150.00} was withdrawn from my checking account and paid to XXXX XXXX. I contacted US Bank on XX/XX/2020 to request the charge removed from my checking account as I had previously removed authorization for XXXX XXXX to withdrawal from my account. The representative I spoke with understood my concerns, and advised the original stop payment was not done correctly and credited me the {$35.00} stop payment fee. I advised her I did not care about the fee, as I had agreed to it, but I need the {$150.00} back. She reassured me the {$150.00} would be removed within 10 days, and I would receive a form to complete and send back. 
I faxed the completed form on XX/XX/2020. I called US Bank twice to check on the status of my return. The second call, the representative advised my claim was denied. 
Please reconsider this decision. I did everything in my power to contact US Bank to remove the authorization and paid the fee to have the payments from XXXX XXXX stopped. If the stop payment was not done correctly or not done for all amounts, I would not have the knowledge as the consumer to know that. I am also very concerned additional amounts from XXXX XXXX could be taken from my bank account. 
I have had this account for nearly 20 years.
Product: Credit card

This is all started in late XXXX. I found out that my XXXX XXXX credit card ( Citi Crad ) had fraud charges and I reported them immediately. All fraud charges were disputed and approved to be credited back to me. Then the account was closed. Late XXXX I was cleaning the apps on my phone and I was deleting the Citi Bank app since I no longer had that credit card. I found that the account is still open and had a big balance. I called again and disputed the charges and were approved and I was told it will be closed right away. Even my contact information on the account ( name, address, phone number, and email ) were not correct. They belonged to people in Florida. Because of this my XXXX XXXX dropped from almost XXXX to below XXXX. I kept calling Citi Bank for months regarding that. They kept saying that all fraud charges were accredited back to me and the balance should be XXXX but they didn't know why it's not. Every time they promised they will resolve it but nothing. I filed a police report with XXXXXXXX XXXX XXXX XXXX and the report number is XXXX. 

Last week when I tried to get a loan I was told that there is another credit card ( Wayfair ) which is also managed by Citi Bank. I didn't know about that account. I called Citi Bank and reported the fraud account. Somebody in Florida opened the account using my SSN with their name and address. I never received bills and communications since they were not sent to my address. That credit card had a {$3500.00} limit but it was charged more than {$14000.00} I am not sure how is that even possible. 

I am in continuous communication with Citi Bank to resolve these issues. 

The XXXX XXXX XXXX XXXX secured credit line- {$20.00} I wasn't aware of and I will call and investigate.
Product: Credit reporting or other personal consumer reports

Violation of Code 15 USC 6802 and 6805 ( a ) - Opt-Out Reporting Dear Sir/Madam, I hope this letter finds you well. I am writing to file a formal dispute regarding a violation of Code 15 USC 6802 and 6805 ( a ) related to the opt-out reporting requirements outlined in the aforementioned codes. I recently discovered that Jefferson Capital System which is third party debit collector which XXXX the original credit sold my information to, Jefferson Capital System has failed to comply with the opt-out reporting obligations as mandated by Code 15 USC 6802 and 6805 ( a ). These codes require financial institutions to provide consumers with the right to opt out of certain information sharing practices and to report their compliance with these opt-out requests. Despite my explicit request to opt out of information sharing, [ Name of Financial Institution ] has continued to share my personal financial information with third parties without my consent. This violation not only infringes upon my right to privacy but also undermines the trust and confidence that consumers should have in financial institutions to protect their personal information. I have made multiple attempts to address this issue directly with Jefferson Capital System, but their response has been inadequate. They have failed to acknowledge my opt-out request and have continued to share my information without my consent. In light of this, I kindly request your assistance in investigating this matter and taking appropriate action against Jefferson Capital System for their violation of Code 15 USC 6802 and 6805 ( a ). I believe that their non-compliance not only disregards my rights as a consumer but also sets a dangerous precedent for the protection of personal financial information. Enclosed with this letter, you will find copies of all relevant documentation, including correspondence with Jefferson Capital System, proof of my opt-out request, and any other supporting evidence that may be required for your investigation. I kindly request that you treat this matter with the utmost urgency and provide me with updates regarding the progress of your investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I need Experian to investigate my multiple disputes that they have continued to ignore since last year after sending multiple letters to you all, you have continued to violate the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 I did not authorize the credit inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV FUNDING LLC ACCOUNT NUMBER XXXX is wrongfully appearing on my XXXX  credit file.The collector is attempting to collect a debt for XXXX , XXXX, THE ORIGINAL CREDITOR. 
HOWEVER 1-I NEVER ORDERED A XXXX CARD 2-I NEVER ORDERED ANY XXXX MERCHANDISE 3-ALL OF THE MONEY LVNV FUNDING WANTS is for return, restocking fees, the interest associated with that and any fees the collector added. 
4-SO THE ORIGINAL CREDITOR AND THEIR COLLECTOR ARE SCAMMING AND EXTORTING USING CREDIT REPORTING TO DO THAT.
Product: Vehicle loan or lease

I was placed on unpaid furlough at my job as a direct result of covid19  and they would not assist in any way. They would not defer or offer any options to help me other than pay or repossess car. 
During this time, my husband became a XXXX in the XXXX XXXX and they pushed his date for boot camp to XX/XX/XXXX due to COVID-19 also. I told them this and asked if I can forfeit the vehicle and they denied this as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.