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

My son had a checking account with SunTrust Bank in Georgia. I am the parent and my name is also on the account. Son and/or Mom owners of the checking account. My son had his debt card and driver 's permit stolen from his wallet. Bank sent overdraft notices to home. I took notice to bank on XX/XX/2018 asked why were transactions deposited in and withdrawn out of our account. We filed a police report of the lost items from son 's wallet on XX/XX/XXXX. Son had not noticed that items were missing until I asked him to see his driver 's  permit. On XX/XX/XXXX I filed a report with the Fraud Department at SunTrust. 
Thieves deposited three checks totaling XXXX and withdrew {$9300.00} on different times and mode occurring on 8 days between XX/XX/2018 and XX/XX/2018. 

SunTrust Fraud Dept. had police confirmation that the man that withdrew {$5000.00} in an over-the-counter transaction was not my son. On XX/XX/XXXX, the thieves were making over-the-counter withdrawal, ATM withdrawal and grocery shop. My son 's XXXX teacher confirmed my son was in class. 

SunTrust Bank took {$6.00}, XXXX from my husband and my savings account to pay for what the thieves stole from the bank.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer credit report and noticed I had XXXX late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX23 and XXXX/23. Please investigate and provide proof with statements showing that these payments were paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot attached.
Product: Checking or savings account

Citibank Account Account Number XXXX Routing Number XXXX Information For XXXX XXXX XXXX Issue : I cancelled two transactions : {$160.00} and {$100.00} on XX/XX/XXXX. These transactions were never credited to my checking account. I suspect this has been happening for some time, including in payments while I was overseas, where the bank failed to process refunds. 

This is a significant problem which merits an audit. This appears later in the sequence, possibly due to a reporting lag or error in how the statement orders transactions and unprocessed returns : If the returns werent fully applied to your available balance ( e.g., held in a pending status or misallocated ), the funds wouldnt have been accessible, and the subsequent transfers could have overdrawn the account. 

System Error : Given your note that this has happened before, and considering recent reports of Citi experiencing significant operational errors ( e.g., the {$81.00} XXXX credit mistake in XX/XX/XXXX, as noted in news from XXXX XXXX ), its possible the returns were credited internally but not reflected in your available balance due to a glitch in Citis systems.

Evidence of Error : The calculated balance and transactions doesnt match, suggesting a discrepancy. This is been happening for a while.

The rapid depletion via transfers to checking, which could indicate an automatic sweep or error where the returned funds were immediately reallocated without your authorization. 

I had current negative estimated balance and a history of fund depletion issues align with reports of Citis struggles with data management and internal controls, including fines for insufficient progress since I got this account. These ongoing technical issues need to be checked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One WAS reflecting a 30 day late on my report from XX/XX/2012 with all 3 CRA 's. 
It was disputed and removed from XXXX and XXXX  but it remains on XXXX. 
if the 30 day late has been removed from 2 of the 3 credit reporting agencies why has it not been removed from the 3rd ( XXXX  )
Product: Credit reporting or other personal consumer reports

Jefferson Capital Systems-On Behalf Of XXXX is reporting a collection to XXXX and XXXX. I have not done business with this company. I am concerned about my identity. My personal information has been sent to a 3rd party collection agency without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion several time about reporting inaccurate information on my public records. They keep stating they have verified this information but have yet to produce any documents from the court that they say provided this information to them. I have two inaccurate bankruptcy reporting Docket # XXXX ) and Docket # XXXX. TransUnion has continued to harm my credit worthiness but leaving inaccurate information reporting on my credit. They have failed to give me any documentation from the court, and they cant because the US Bankruptcy Court XXXX XXXXt does not provide information to credit bureaus. I have know accounts reporting in my credit file credit so why would they allow this to harm. I am in the process of filing a civil suit due to TransUnion negligence. I have also attached a copy of the updated report they sent me. 

File # XXXX
Product: Debt collection

I checked my credit report and I realized that there was incorrect information in my credit report, I would like it removed from my credit report since it prevents me from applying for credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I was working with the Bank of America Home Retention Dept. to have my HELOC agreement modified. During the period of documentation, I paid the much higher payments that the HELOC required after it matured in XX/XX/2018. In XX/XX/2018 I was approved and was told to make three payments of only {$680.00} in the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I made the first payment in XX/XX/2018 but BOA told me that it had to be in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and not in XX/XX/XXXX. Of course, the Bank did apply the too-early payment of {$680.00} to my principal. Then I properly paid the XX/XX/XXXX-XX/XX/XXXX payments and was accepted into the Home Retention program by a written modification of my previous HELOC. ( The Loan Number at BOA remains the same. ) However,  the BOA computer was unaware of the Home Retention modification and of my being told to make the three payments of only {$680.00} in XX/XX/XXXX-XX/XX/XXXX. The computer was expecting me to make the much higher payments that I had been making from XX/XX/XXXX to XX/XX/2018. Accordingly, the computer declared that I was in default for four months, the months of XX/XX/XXXX-XX/XX/XXXX. As I have explained, I made the payments I was told to make for these months, the payments of {$680.00} per month. I was in fact told by BOA to ignore the notices from the Bank that said I was in default. She said, " just ignore those letters. You're going to keep getting them, so just ignore them. '' Therefore, my " default '' was not really a default at all, but has been reported to all three of the credit reporting agencies, harming my credit substantially. BOA has frozen my overdraft protection account and has reduced my credit card limit from {$27000.00} to {$7200.00}, all because of its reliance on a defective computer-made decision. Note that this was not a " mistake '' and would happen to everyone who, like me, was applying for a modification through the Home Retention Dept. The computer did what it was programmed to do. It wasn't a " mistake. '' It was a failure to program the computer systems at Bank of America to  communicate with each other, thus leading to " the right hand not knowing what the left hand is doing. '' My line of credit account is frozen, my XXXX credit card limit has been reduced from {$27000.00} to {$7200.00}, and my overall credit rating has been devastated. My " fault '' was doing exactly what BOA told me to do and never missing or late on a single payment. 

The attached letters from BOA demonstrate the inconsistency of its operations, leading to harm for the consumer. The first letter shows me owing {$11000.00}, and the second letter on the same HELOC number is a notice to pay the correct and newly modified payment, {$680.00}. The two inconsistent letters cover the same billing cycle dates.
Product: Credit card or prepaid card

I zero out my card every month before due. they issue a fee the day due making it impossible to have a XXXX usage. 

there illegal scheme is lowering my credit and preventing my usage from being XXXX for credit card reporting purposes.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found numerous fraudulent inquires, which I have NO knowledge of. These are the fraudulent inquires I have found : XXXX XXXX  ( BANK ) XX/XX/XXXX XXXX  XXXX ( BANK ) XX/XX/XXXX XXXX XXXXXXXX ( BANK ) XX/XX/XXXX XXXX XXXXXXXX ( BANK ) XX/XX/XXXX XXXX ( BANK ) XX/XX/XXXX XXXX XXXXXXXX ( BANK ) XX/XX/XXXX XXXX  XXXX ( BANK ) XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service An 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 for these violations.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX. 
to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transaction were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card

The credit card was stolen from wither my mailbox or at the post office in mid XX/XX/XXXX. I am attaching a detailed statement of what transpired between me and Wells Fargo since XX/XX/XXXX. I am also attaching other pertinent information.
Product: Checking or savings account

I have been a US Bank valued customer since XXXX in good standing. XX/XX/XXXX I decided to close my checking account by calling US Bank customer service hotline. The customer service representative confirmed I did not have any pending transaction on my account and I can proceed with account closing. The representative also mentioned that the balance on the checking account will be mailed to me in the form of a check.

30-40 days after I successfully closed my account with US Bank and received balance amount by mail I received also a letter from US Bank stating that I owe US Bank {$92.00}.

The matter is customer service representative violated account closing policy by not verifying that there was a pending transaction. Instead, by verifying that there is a {$92.00} pending transaction I supposed have not been granted permission to close the account for up to 180 days according to the US Bank account policy and regulations till all pending credit or debit transactions are posted on my account.

Once I received the letter stating I owe {$92.00} to US Bank I called US Bank Recovery department at XXXX and paid the balance in full right away without disputing it. I thought I took care of the issue. However, on XXXX I applied for XXXX XXXX XXXX checking and savings accounts and was denied service based on the information on my XXXX report. 
I requested a copy of the report and I see that US Bank reported that I ABUSED my US Bank checking account on XX/XX/XXXX. I contacted US Bank Recovery department to get the explanation how and in what way i have ever abused my checking account. No explanation was provided. XXXX- representative, FAILED to confirm and explain I have ABUSED the account. 
Instead, they stated US Bank closed the account because the balance went negative - {$92.00} on XXXX. It does not make sense. Since I, as a consumer, requested to close my account sometime end of XX/XX/XXXX. 

The bank representatives do not treat me with fair practices. I was provided with US Bank Recovery department supervisor name and the phone number to resolve the issue. I have been calling XXXX twice a day during regular working hours for the last 5 days in a row and leaving XXXX ( supervisor - ext. XXXX ) voicemails every single time. I was not able to get hold of her and she never ever called me back after receiving of total 10 voice massages from me.
Product: Checking or savings account

I was scammed with XXXX  {$900.00} and my bank not XXXX  want to be responsible for this they just tell me their is nothing they can do and its to bad horribke experience so Im supposed to get robbed and not be reimbursed by my bank which XXXX said they can take repaibookity this is the first time as a final bank courtesy and reimburse refund my account the {$900.00} but they chose not to and tell me no
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  was notified of disputes of account ending XXXX and never resolved the issues. Account need to be deleted as in contains inaccurate/fraudulent information for which XXXX has been made aware of over 30 days ago per Credit reporting agencies claim with my disputes with XXXX, Experian, XXXX. Regardless of my efforts to try to resolve the disputes with XXXX XXXX  as I advised XXXX that this is Fraudulent account XXXX continues to ignore my request and to report this on my credit which is causing me a great deal of damages to say the least. XXXX XXXX  is being negligent in follow consumer laws and FCRA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I XXXX  this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Product: Credit reporting

I am at my wit 's end with disputing with the bureaus. I have already made complaints regarding the fact that the bureaus DELETED accounts that I was only asking for verification on the late payments and they will not put them back when it was their error.There were also XXXX accounts that I disputed in error and they removed them ; when I asked for them to re-add them they stated that they would not and will not add information given by 3rd parities. I sent them the proof that it was on my file in the first place and they still will not add them back to my file. I also have XXXX derogatory accounts remaining on my file that they continue to say are " verified '' when I know that they are not. Not only that, but they have failed to provide documentation legally verifying those XXXX accounts as required under sections 1681, 609 and 61a5Ai.
Product: Mortgage

Escrow company tried to get pay off amount on XX/XX/2021 again on XX/XX/2021 again XX/XX/2021 again XX/XX/2021 and a last time XX/XX/2021 I was supposed to close on XX/XX/2021 got extention to XX/XX/2021 todays date this has put the sale on my property in Jepor may not sale now in the amount of XXXX XXXX. this amount is way more then I owe on the property. This also made problems with a commit to another property that I committed to and am losing that one today. This lack of Suntrust doing there job is costing me 100s thousands of dollars today. This is real problem.
Product: Credit reporting or other personal consumer reports

I have failed two cfpb complaints for this related complaint today i am truly getting upset with my rights being violated and not even a response on experian, please help me ensure that my rights are not being violated cfpb Prior cfpb investigation number related to Todays matter XXXX and XXXX XXXX XXXX In my previous complaint I requested that the following be removed from my credit profile I also requested closed accounts to be removed from my credit report which has not been completed on your end. Account name : XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are showing late payments which is actually illegal. i don't understand why you were reporting these late payments they have not contacted me back when I wrote you guys in a letter explaining to you that I was never late on any of these mentioned payments.. 

The only way a corporation can possibly report a payment as late falls under 15 U.S. Code 1666b - Timing of payments. The FCRA 15 USC 1681a, 15 USC 1681s-2, 15 USC 1681n and Timing of payments 15 USC 1666b , Consumer request the Deletion of all transactions listed as late on their consumer reports. I would like for Experian to Grant my request and remove these items from my credit report for they are costing me financial Health. Also I have given you more than 60 days to rectify the situation and fix an update your systems to reflect 100 % accurate information You have failed to do so you have failed to write me back within the time period of the first Initial complaint.
Product: Credit reporting or other personal consumer reports

am writing to file a formal complaint against XXXX XXXX due to concerning incidents that have occurred with my credit information, specifically the unauthorized use of my credit card number and multiple inquiries on my credit report. These actions have raised significant concerns about potential violations of consumer protection laws, including 15 USC 44, 12 USC 44, and 12 USC 83 ( a ). 

Recently, I discovered that my credit card number was used without my knowledge or consent for transactions related to Credit Karma services. This unauthorized use of my credit card information is a serious breach of privacy and security and has raised questions about the safeguards Credit Karma has in place to protect sensitive consumer data.

Additionally, I have noticed multiple inquiries on my credit report made by Credit Karma without my explicit written or verbal consent. These inquiries have negatively impacted my credit score and have occurred without a clear and legitimate reason, which may be in violation of consumer protection laws. 

I request an immediate and thorough investigation into the unauthorized use of my credit card number and the multiple inquiries on my credit report. I also urge Credit Karma to take corrective actions promptly, including rectifying any unauthorized charges and inquiries. Moreover, I request that Credit Karma ensures strict compliance with the relevant consumer protection laws, specifically 15 USC 44, 12 USC 44, and 12 USC 83 ( a ), to protect consumers ' privacy and credit information. 

I expect a written response to this complaint, outlining the steps taken to rectify the unauthorized use of my credit card number, remove any unauthorized inquiries from my credit report, and ensure full compliance with consumer protection laws. Your prompt and cooperative response is essential to resolving this issue amicably and restoring my confidence in Credit Karma 's handling of consumer data.