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

On XX/XX/2021 I made a {$20000.00} payment to my Costco Visa by mistake. On XX/XX/2021 I discovered my mistake and contacted Citi Bank Visa to request a refund. I received a written response from Citi that they would reply back with a status in 7-10 days. On XX/XX/2021 I spoke with Citi Bank ( XXXX ) team id # XXXX and he promised to investigate and give me a follow up status on Monday XX/XX/2021. I didn't received a follow up status call. I called again on XX/XX/XXXX and XX/XX/XXXX. I got a different story each time and no follow up call with a status. It appears that they are deliberately holding onto my funds and playing ignorant. I can tell their XXXX system has tracked all of my calls but they don't seem motivated to solve my problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I completed my loan agreement with XXXX XXXX XXXX back in 2013 with a “XXXX” balance on the account as well as title in hand for my XXXX XXXX XXXX. In return XXXX reported my account stating that the Payment was made after charge off which was not true at all. I have made several attempts with no avail to get the derogatory mark off my report but I either get hang up on by a agent after explaining the problem or told no changes can be made and will stay on report for seven years. I really feel like I’m being punished for something that shouldn’t be because the account was paid to term with a balance of XXXX.
Product: Money transfer, virtual currency, or money service

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
Product: Mortgage

XXXX/XXXX/27 Dear Consumer Financial Protection Bureau : Attached is a follow up complaint to my initial complaint number XXXX due to incomplete Santander Bank manager and/or representatives ' response to my request. Thank you for your help. 

XXXX
Product: Money transfer, virtual currency, or money service

My account in Coinbase https : //www.coinbase.com/accounts is under revision since XX/XX/2021, so I am not able to operate with it. 

I can not buy/sell cryptos and I am not able to get my money back. I have sent several emails and support tickets to Coinbase but they don't offer me any solution and the problem remains. Also, I have tried to resubmit again my ID and Driver 's license to verify my identity again I am currently have the following amount of cryptocurrencies blocked : - XXXX : XXXX XXXX - XXXX  : XXXXXXXX XXXX  - XXXX : XXXX XXXX As of today XXXX of XX/XX/2021, these currencies are worth XXXX Euros.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquires that I didn't authorized and several accounts that are not correct with amounts and or charged off stutus on my report. I have outlined all of these issues in the letter attached
Product: Money transfer, virtual currency, or money service

I processed a credit card payment for my business through a chase owned company called wepay. This was done on XX/XX/2023. The funds are still not in my account and the customer has been charged by their credit card company. There is no way to contact the department responsible for the review of the charge and all the customer service agents stated each time ; " Its under review ''. The review period per the terms and conditions is 1-3 business days. That time has expired. I have called numerous times and submitted numerous tickets to their system all of which have gone unanswered. When I call chase bank they direct me to the 3rd party company ( which they own ) and I get no where. I just want my money to feed my family and pay my bills and I shouldn't be out of pocket {$15000.00} because a company is not doing the right thing.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear CFPB, I am writing to dispute inaccuracies regarding my credit report and to request the removal of certain inquiries that do not accurately reflect my creditworthiness. 

# # # Accounts in Dispute : XXXX. XXXX - XXXX XXXX : XXXX - **Account Status** : XXXX - XXXX XXXX : XX/XX/XXXX - **Comments** : Canceled by credit grantor XXXX. XXXX XXXX XXXX XXXX  **Account Number** : XXXX - **Account Status** : Closed - **Last Reported** : XX/XX/XXXX - **Comments** : Closed XXXX. XXXX XXXX - XXXX XXXX : XXXX - **Account Status** : Derogatory - **Last Reported** : XX/XX/XXXX - **Comments** : Charged off as bad debt ; Dispute resolved; reported by grantor # # # Additional Request : Removal of Inquiries I request the removal of the following inquiries from my credit report : - XXXX ( Department Stores- Clothing ) - XX/XX/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 ( Bank Credit Cards ) - XX/XX/XXXX - XXXX XXXX XXXX  ( Bank Credit Cards ) - XX/XX/XXXX XXXX XXXX XXXX ( Bank Credit Cards ) XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Bank Credit Cards ) - XX/XX/XXXX I believe these accounts and inquiries are either inaccurate or misleading, and I kindly request your assistance in ensuring they are properly investigated and rectified in my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit card or prepaid card

USAA 's fraud department denied the claim I filed after I was extorted. After their investigation, their representative agreed that I was extorted. I was unfortunately informed that extortion is not a form of fraud.
Product: Mortgage

I have my mortgage through Dollar Bank and in XXXX I started experiencing financial hardship and had trouble paying my mortgage by a few dollars every month. Every month, I have to call and beg for them to just chill on that XXXX dollars. That we're stretched financially thin because we've been waiting for the house to sell. Now it has - our closing is XX/XX/XXXX. Dollar Bank has levied another late fee of $ XXXX being short a few dollars again and will not forgive this nominal amount of money. I am a mother, a farmer, and franklyI need my {$3.00} every month more than a bank needs my {$3.00} so they can make a buck in interest. I've had a mortgage with this bank for XXXX years... they've profited enough from me. But no, they need to throw on even more late fees to someone who is struggling. This level of greed is criminal. Even I have spent am embarrassing amount of time trying to keep these few dollars because I need them! Regulate banks so that THEY are hassled, not ME, a singular person with no significant resources who's trying to exist in a world where, increasingly, you have to pay for EVERYTHING.
Product: Credit card or prepaid card

The 3 Credit Bureaus is reporting inaccurate information on Capital ONE BANK USA. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

.
Product: Credit card

I opened a credit card account approximately 4months ago. The sole purpose of the account was to obtain a promotional XXXX gift card of {$100.00} if I used the card in an allotted time frame. I have used the card and have never received the gift card. This is after three inquiries over the last three months. they admit I should have received the card over 6 weeks ago and keep " researching '' why I never obtained this. US Bank and XXXX have fraudulently solicited the opening of this account under false promotion. There is no intention on their part to send the card. The last " supervisor '' I spoke with was XXXX employed # XXXX and told me " They are going to research the problem '' ... again!!!
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report and inquiries that I do not recognize from the following companies, please remove these accounts form my report, the are hurting my abily to obtain credit.
Product: Vehicle loan or lease

In XX/XX/2013 we purchased a XXXX XXXX XXXX XXXX, financing through Ally Financial. We signed a contract for 72 months. Little did we know, the vehicle had major manufacture defects. At approximatly 120,000 miles we started to notice excessive oil consumption. We began monitoring our oil level daily and took it to a mechanic who then advised us that XXXX had used cheap piston rings in the 2.4L engines and that our piston rings had gone bad and that the oil consumption would get worse. As the oil consumption got worse we took it to yet another mechanic who said the same thing and advised us the only option was to replace the engine because of major scarring and damage inside the engine. We are a family with one income and a XXXX  who is XXXX and has XXXX twice a week, we did not have the money to replace the engine. After speaking to several XXXX dealerships we found that there was a memo from XXXX about the problems but it was not a recall and only covered up to a certain amount of miles, at this point our only option would be to continue to monitor the oil level as XXXX was not offering a solution. By 150,000 the oil consumption had gotten worse, consuming about 2 quarts of oil a week. The vehicle became less reliable, started to loss engine compression, and became harder and harder to start. We contacted Ally to find out why they had changed the terms of our loan, only for them to claim finance charges. We asked if they could rewrite our loan and explained to them the problems we where having with the vehicle and asked to maybe lower our payments so that we could save some money and have the vehicle fixed. They where not willing to help. At this point we had no choice but to find a more reliable vehicle so that our XXXX did not have to miss XXXX or XXXX visits. At this point we have been left with no other options and no where to turn. Ally repossessed the vehicle after 61 days of non payment and will not give us any information as to their intensions, they are going to end up forcing us into bankruptcy because of the changes in the terms of our loan and their unwillingness to rewrite our loan. With the fact that Ally is unwilling to help us and XXXX will not take responsibility for their defect, we feel that we have been wronged by both and have been left with having to make a decision that will affect our family badly, but at this point we have no choice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since filing chapter XXXX in XX/XX/XXXX, all three credit reports were correctly reported for my account with XXXX/XXXX XXXX, which was included in bankruptcy. Beginning in XX/XX/XXXX, only the XXXX  report was changed from bankruptcy status to charged off/collection status for my XXXX XXXX account. I contacted XXXX XXXX XXXX two months ago to request that my XXXX  credit report be updated from charge off collection/skip status effective XX/XX/XXXX to correctly report account as included in chapter XXXX bankruptcy. The XXXX XXXX account was removed from my XXXX report twice in past two months, but again on XX/XX/XXXX, the account is showing charge off collection/skip status, resulting in a 80-point drop in my credit score due to a COLLECTION for {$5100.00}. 

Since the bankruptcy trustee began making additional payments to XXXX   around the same time this problem began, it appears that my XXXX XXXX account is included in some type of automated monthly reporting system which provides inaccurate information to XXXX. Since being removed from XXXX, the collection status information has re-posted to XXXX   three times during the first week of the past three months. XXXX  advised me to dispute with XXXX ( copy of email attached ). I have disputed with XXXX  previously with no success -- only XXXX can update my report. If my XXXX report continues to show unlawful information for my XXXX XXXX  account, which is included in my bankruptcy case, I will be filing a civil lawsuit for violation of Fair Credit Reporting Act and violation of Federal Bankruptcy Laws. My patience has run its course!!
Product: Bank account or service

I am Power of Attorney for my XXXX XXXX year old Mother. This POA was written by an attorney, signed by my mother, witnessed and notarized on XX/XX/XXXX. On XX/XX/XXXX it was presented to PNC Bank at the XXXX Branch. After being sent to their legal department it was declined and I could not pay any of her bills with the XXXX accounts in question. After talking to numerous bank employees I got nowhere. I have names and dates and even requested to talk to the CEO of PNC Bank. I have a letter stating this from PNC Bank - ( attached ). I do not agree with PNC 's ruling and request your agency to help in this matter. I have printed the XX/XX/XXXX Short Form POA ( attached ). The POA my mother signed On XX/XX/XXXX ( attached ) in XXXX, Il has all the necessary requirements for a legal and binding POA. The XX/XX/XXXX clearly states " Nothing in this Article shall invalidate or bar use by the principal of any other or different form of power of attorney for property. 
I believe our family has done everything correctly and PNC Bank is putting an unnecessary burden on a very ill XXXX year old XXXX woman and her family by not releasing her money to pay her medical bills. Since XXXX she has been in the hospital numerous times, in a XXXX Il nursing and rehab center and is currently home bound under palliative care with 24 hour around the clock professional care. PNC 's suggestion to me was to solve this problem just bring her to the bank and sign a PNC POA and they would have a notary available. 
Thank you in advance for any assistance your agency can give me in regards to this problem. I do not believe my mother should have to sign another POA form for the bank. 
If the bank does not accept legal documents they should let their customers know what is and is not acceptable to them before a family crisis strikes. I have all names, dates and phone numbers of employees of PNC bank that I have spoken to in regards to this problem.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( ETFA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

I have contacted XXXX XXXX since XX/XX/XXXX about a " Borrower Defense to Repayment '' after I heard about the XXXX XXXX shut down during the same year. I contacted through phone call and through email again on XX/XX/XXXX. On the initial phone call, the person I spoke with said they will put my loan ( s ) on forbearance until they see if I can get the Borrower Defense to  Repayment. I had to fill out a questionnaire and some form for all of this and submitted it to them. I have emails from then and from various times since then saying that they will contact me soon, etc. I have never gotten any phone calls or emails or letters about my status. I have tried calling and left messages. I have tried emailing and keep getting responses that someone will contact me soon ; yet I have not gotten anything. This year, my forbearance has ended and they just started to bill me for my loans and asking me to pay. This should not have happened because my situation has never been resolved.
Product: Money transfer, virtual currency, or money service

Paypal is permanent limitation on my account without reason and my paypal id is XXXX and this one is registered on XXXX XXXX
Product: Debt collection

A request for validation for alleged debt owed according to 15 UC 1692g Sec 809 ( b ) I recently reviewed my consumer credit profile on XX/XX/2022, and it seems the furnished has added a collection to my credit profile. Furthermore, I never received any information about debt from Credit Bureau Systems. 
Adding information to my consumer credit profile has violated both FDCPA and FCRA because there was no notice of said debt or the opportunity to dispute the debt. 
The comments state that this is medical debt if that is the case. All medical bills would be first sent to my insurance company as I have always carried health insurance through my employer. 
I demand a full investigation of the validity of the debt that is said owed. This is not a request to verify my mailing address or name. According to 15 USC 1692g Sec 809 ( b ) This is a request for proof that A DEBT IS OWED. 

I will need all original copies bearing my signature stating that I agreed to pay the amount you claim I woe. 
I will need an itemized billing statement ( s ) of all procedures that total the said amount owed. 
I will need all documents you currently have regarding my medical file and history of service to compare with my insurance company
Product: Checking or savings account

Subject : XXXX XXXX XXXX U.S. Bank for Unjust Denial of Business Account Opening and Poor Customer Service US BANK Application number : XXXX Dear CFPB, My name is XXXX XXXX, and I am the owner of XXXX XXXX XXXX, a business established on XX/XX/2020. My address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. I am a longstanding customer with U.S. Bank, where I maintain both personal checking and savings accounts, as well as a credit card. Recently, I approached U.S. Bank to open a XXXX XXXX Account for my business, and despite submitting all requested documentation, my application was denied without a reason. 

I spoke with XXXX, a supervisor in the XXXX XXXX Department, hoping for clarification, but was met with a lack of transparency regarding the refusal. This unexplained rejection and lack of support left me feeling that I was treated poorly, particularly as a loyal customer seeking to expand my business relationship with U.S. Bank. 

Given my full compliance with the banks requirements, I am requesting the XXXX XXXX XXXX XXXX assistance in securing an explanation and facilitating the opening of this account. I believe this situation highlights an unfair business practice that merits immediate attention. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX
Product: Checking or savings account

Opened 3 FREE child savings accounts and they continued to charge my kids accounts fees even though money just sat in them to the point they over drafted and they sent it to collections. Even though I called several times to resolve it the branch manger ignored my calls. Finally getting a hold of her she was rude and refused to help saying they had sent information they had not letting me know about the charges. I not only have never gotten anything from the bank regarding the free accounts I have not gotten calls emails or any letters even knowing about these dormant charges for a free Childs account. I was never made aware of these terms when signing up for them nor was I notified about the charges till collections started calling. They have not only over drained the accounts {$150.00} in a couple months of this which they said a simple call regarding the accounts would have prevented it but now I need to pay another {$45.00} to just close the accounts.
Product: Credit reporting or other personal consumer reports

Having meticulously reviewed the Fair Credit Reporting Act ( 15 USC 1681, 602 ), I am both enlightened and resolute in my understanding of its mandate : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX, Experian, and XXXX, being consumer reporting agencies, are bound by this statutory duty, and I, as the Sovereign Consumer, command that my private information be protected, as upheld by 15 USC 6801, which declares, " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' The financial institutions that furnish information to these credit reporting agencies fall under this obligation by definition. Furthermore, 15 USC 1681 604 ( a ) ( 2 ) explicitly states : " No consumer reporting agency may furnish a consumer report except in accordance with the written instructions of the consumer to whom it relates. '' I hereby affirm that no such written instructions have been provided by me to XXXX, Experian, or any furnisher of information, and any alleged consent, whether verbal, non-verbal, implied, or otherwise, is unequivocally revoked. 

Additionally, pursuant to 15 USC 6802 ( b ) ( c ), " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' I have never been informed of this right by the furnishers of information. This failure constitutes a blatant violation of federal law.

Moreover, 15 USC 1681c ( a ) ( 5 ) mandates that no consumer reporting agency may include in its reports adverse information predating seven years, except for criminal convictions. Yet, these agencies continue to unlawfully report adverse items without my consent, flouting legal boundaries.

The furnishers of this information are further restrained by 15 USC 1681s-2 ( A ) ( 1 ) ( A ), which forbids the transmission of any information that is inaccurate or that they have reason to believe is inaccurate. Similarly, 15 USC 1681e commands all consumer reporting agencies to maintain procedures that prevent such violations. XXXX and Experian have failed in this regard, disregarding the statutes that bind them. 

Finally, under 12 CFR 1016.7, I exercise my unalienable right to opt out of these reporting services at my discretion and at any time. As of this declaration, I am opting out.

Let this serve as an authoritative decree : my rights as the XXXX XXXX shall not be infringed. All parties are hereby noticed of their violations and compelled to cease and desist from further unauthorized reporting or sharing of my information. 

Signed, By My Own Hand, XXXXXXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I want all monies that were reported for scam and refunds returned!
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit repot in accordance with my rights under the fair credit reporting act ( FCRA ), specifically sections 611 ( 15 U : S : C 1681i ), 609 ( 15 U : S : C 1681g ), and 604 ( 15U : S : C 1681b ) after reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize disputed inquiry : XXXX XXXX XX/XX/2023