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

Navy federal credit union closed my account without warning because I was trying to purchase a car with my brother and friend while on a travel assignment. We sent each other money via member to member and the bank flagged it as suspicious activity which I can understand. I called the bank to explain what we were doing and why but the representative started screaming and didnt want to hear why I was using my own money. Ive never deposited any cash into my account and Ive never withdrew any cash from my account so I dont understand how its suspicious activity, but they treated me like a criminal. Im a XXXX XXXX and every dime in my account can be accounted for. All my checks come direct deposited so the bank can see everything. I have auto loans and credit cards with this bank and I dont understand why the representative treated me so badly. Ive never even missed a payment. I just want my account back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There is only 1 account reporting to XXXX which are fraudaulent & I'D like that to be removed from my report. They claim they verified the account with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, there are several unauthorized inquiries and incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are unauthorized and the following personal information were inaccurate and needs to be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I went into a dealership to purchase a vehicle at the time my XXXX credit score was near XXXX, XXXX was XXXX, and my Equifax was XXXX. My Equifax score was based on accounts that were paid off but still reporting a balance. I applied for XXXX car loans in XXXX, which all got denied, or they tried to stick me with a high-interest rate because the car loan banks would only go based on the Equifax reporting XXXX I was able to get an okay car with a horrible interest rate due to this error.
Product: Credit card or prepaid card

My bank is ILLEGALLY FURTHER FRUAD in an unethical manner and THEY WILL PAY ME OR I WILL PURSUE LEGAL ACTION! 

My bank closed a dispute with a local company XXXX XXXX XXXX who had illegally and fraudulently refused a refund I was already promised .... I have reported them to the XXXX XXXX of Georgia as well as the local DA of XXXX XXXX since there are many other accusations in reviews for the business of similar fraudulent activity .... AFTER CLOSING THE INVESTIGATION, WITH NO WARNING, NO COMMUNICATION, AND GIVING ME NO TIME TO RESPOND THEY HAVE ILLEGALLY AND FRAUDULENTLY CHARGED ME AND I REFUSE TO PAY THEM. 

I told Citibank rep I had EMAILS AND PICTURES SHOWING I WAS PROMISED A REFUND AFTER TELLING THE BUSINESS I HAD DISPOSED OF FOOD AND TOOK PICTURES OF THE FOOD NOT IN THE TRASH BUT BEING TOTALLY DESTROYED. 

THIS IS HIGHLY ILLEGAL, THIS IS FRAUDULENT AND I REFUSE TO PAY FOR THIS, CITIBANK HAS VIOLATED THEIR OWN TOS AND TAKEN PART IN ILLEGAL FRAUD WHILE SHIRKING THEIR FIDUCIARY DUTY TO ACT IN MY BEST INTEREST AND I WILL NOT STAND FOR THIS. 

XXXX ID XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a mortgage account I had with USDA that was discharged in bankruptcy in XX/XX/XXXX and it still shows on my report. It should have been deleted. USDA instead, after my continued disputes, updated the account to show that mortgage was included in Bankruptcy in XX/XX/XXXX. The account has been re-aged and shows payment history, etc. from XX/XX/XXXXon. Please see documents I am including with my complaint that fully explains the ongoing dispute, with both USDA as well as Experian. Both parties are refusing to rectify the situation even though they know the information is inaccurate and should be deleted. USDA, as you will see, acknowledges the actual date of bankruptcy, i.e. XX/XX/XXXX as well as the fact that the mortgage was discharged, but still refuses to remove it from my account. The only data that should have been reported from XX/XX/XXXX on should have been a XXXX   balance and an IIB status -- which never happened.
Product: Money transfer, virtual currency, or money service

Hello, I have made a wire transfer from the XXXX to XXXX of {$1500.00} through XXXX on XX/XX/2021. I sent it to my father 's account to support my family after I got a confirmation saying that the money was sent I checked with my father and got to know that he did not receive it. 

So, I contacted XXXX support ( on XX/XX/XXXX or XXXX ) to know the status of it and while checking the recipient details I came to know that I have missed a digit in the recipient account number. Then the support person asked me to change the recipient details and told me they would pull back the money and send it to the correct account. 

Today ( XX/XX/2021 ) I contacted them again to know about the status they were not sure and said that it depends if the bank is sending the money back to them they would be able to do the pullback. They are not giving me assurance so I am raising this complaint just in case to be on the safer side. 

I know I have made a mistake but it is still my money any fees deduction is fine but can not afford to lose all my money. 

Kindly help me with this issue since it is big money for me and my family. 

Thanks, XXXX
Product: Debt collection

I have disputed this account several times requesting physical verification from Online Information Services. I mailed all letters certified mail with signed return receipt in XXXX, XXXX, and XX/XX/2018. I do not have a legal agreement/contract with Online Information Services to pay this debt and I asked them several times to remove this account from my credit report. Online Information Services continues to demand payment from me. Per my rights, I requested a copy of the original contract with my signature that says I agreed to pay Online Information Services yet they refuse to provide me a copy.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract for any and all accounts you post on a credit report within 30 days. Since Online Information Services refuses to provide me a copy of a legal agreement with my signature that says I agreed to pay their company for this debt, they must REMOVE this account from my credit report. 

Online Information Services has responded by sending me a copy of an old statement from another company. Statements are not sufficient in verifying debt. The law states you must provide me a copy of the original contract with my signature. Online Information Services has and continues to violate my rights according to the FCRA.
Product: Credit card or prepaid card

On Friday, XX/XX/18, Grain sent a notification to customers about a new terms of service. They proceeded to say if the new terms were not accepted by Tuesday, wed be subject to higher fees. 

I read over the document but would like additional time to get a legal consult before accepting. Forcing customers to accept new terms over a holiday weekend should not be legal. 

I reached out to Grain via the email listed on the document ( XXXX ) and it is NOT a valid address. 

I found a way to open a support request via their website, XXXX, but was not provided with a valid response to my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had a reward points from Costco City Credit Card for around {$150.00}. The company forfeited all the points stating that I did not renew the Costco Account. I had moved to XXXX and they dont have a Costco there. So I could not renew it. Hence asking me to renew the costco account was not justified and on top of that they forfeited all my reward points and now harassing me for debt collection. 
I contacted the company multiple times and they will said they will not give the reward points back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Balance Owed : {$810.00} ; XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX Balance Owed : {$3300.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX Balance XXXX XXXX {$810.00} XXXX XXXX XXXX  XXXX Balance Owed : {$1400.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ;
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, at TJMAX XXXX, MT XXXX, I purchased {$53.00}. Out of this amount, {$1.00} was paid through a gift certificate, and I paid {$5.00} in cash because I couldn't find the receipt. However, the transaction was attempted through a Mastercard, not a store-brand debit card, as it seems to be recorded. This mistake is negatively affecting my credit, and I need it to be corrected as soon as possible.
Product: Mortgage

On XXXX XXXX, my aunt passed away. Upon review of our joint XXXX XXXX account, I noticed {$430.00} bi-weekly ACH mortgage payments ( from XX/XX/XXXX to XX/XX/XXXX ) to EarnUp, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX. However, the mortgage loan on our Co-Op was refinanced in XX/XX/XXXX and subsequently paid-in-full on XX/XX/XXXX. 

On XX/XX/XXXX, I contacted EarnUp, https : //support.earnup.com, requesting to resolve this issue and obtain a complete refund of the funds ( approx. {$9500.00} ). I provided them with a copy of my aunts Death Certificate, XXXX XXXX XXXX and Paid in Full Note but met with negative results. 

On XX/XX/XXXX, I filed a complaint with the XXXX XXXX XXXX ( XXXX, Complaint ID # XXXX ) disputing the EarnUp ACHs. EarnUp provided the following response to the XXXX : Typically, when payments are made to a loan account that has been closed, the lender will issue a refund of the funds collected via check directly to the borrower. We are happy to assist in locating the funds that were issued to XXXX Savings Bank. To that end, we are offering to set up a conference call with the lender and you so that we can verify the location of the funds that were paid to them. We apologize that this assistance was not offered to you upon your initial communication, and we hope that we can help to resolve this matter. 

On XX/XX/XXXX, the XXXX closed my complaint accepting EarnUps position on the matter and suggested I file a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

On XX/XX/XXXX the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX, reviewed the closed loan and confirmed that no further funds had been applied and the Notes on the loan and showed no additional incoming payments or refunds issued either. 

On XX/XX/XXXX, I contacted EarnUp, https : //support.earnup.com, attempting to resolve this issue amicably. EarnUp representative, XXXX ( XXXX XXXX XXXX, contacted me via phone and attempted to set up a conference call with XXXX. Placing me on hold, XXXX stated that all her attempts to contact XXXX were unsuccessful. I agreed to call her back tomorrow, the 30th, so we could try again. 

On XX/XX/XXXX, I attempted to contact XXXX ( XXXX ) XXXX. EarnUp representative, XXXX, answered my call and hung up on me twice. I re-submitted my complaint, https : //support.earnup.com,. EarnUp representative, XXXX, contacted me via phone and attempted to set up a conference call with XXXX. Once again, she placed me hold and stated she was unable to get through to anyone at XXXX. 

EarnUp has been unable/unwilling to provide any documentation supporting they submitted/forwarded the funds to XXXX for final credit to my aunts closed/paid-in-full mortgage loan. Whereas, XXXX has confirmed they have no record of any additional incoming payments to the loan.
Product: Checking or savings account

On XX/XX/2022, a customer of Wells Fargo Bank obtained a withdrawal from my checking account at the bank teller window. The cashier failed to verify the hand written account information, and funds were removed from my personal checking account because the customer used the wrong account number. I saw a " pending '' transaction on my account when reviewing it online that day and immediately notified Wells Fargo Bank. Unknown to me, the Wells Fargo Bank customer service representative incorrectly classified the bank error that should have gone to their fraud department, however, no action was taken for 2 days until I called to see what was being done to return the funds to my account. I was informed that another error had been made by not correctly classifying the problem and I would need to wait an additional 10 to 15 days for their investigation. The funds had not been returned to my account, and they have no plans to do so until the investigation is complete.
Product: Credit card or prepaid card

XX/XX/XXXX American Express Accepted over {$12000.00} Funds in my account ( not from me ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Purchase were made on my card in the amount of {$14000.00} with those funds ( which later turned out to be from a field agent scam ). Merchandise purchased and XXXX XXXX and XXXX sent XXXX Funds Deposited turned out to be Fraudulent. American Express did not validate my identity at the time of the deposit. I would have never accepted or spent stolen money.
Product: Credit reporting or other personal consumer reports

My credit profile has been in a mass data breach XXXX times with XXXX XXXX and XXXX including the dark web. It is impossible for me to obtain the things that I need to manuver in life because this keeps happening. I've tried serveral times to get these inquiries removed. I an a vitcim of Hurricane Milton, the hurricane flooded my car and I can't get another one because I have XXXX inquires and there in cities I've never lived. I have never lived in XXXX but I have over XXXX auto inquiries. I can't buy my family a hot dog because of this. Please help me this time. It's not fair at all to have to continiously go through this type of situation. Scammers are too smart so locking my credit hasn't worked in the pass. Please give me some direction other than having to spend money. We are homeless and without a car. Please help. My address has not change I still at the same address. Where do you all get these addresses from? My mailing address is still XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX.
Product: Checking or savings account

On XX/XX/year> I noticed my bank balanced was inaccurate, after looking closer there were several charges that I did not recognize. I called the financial institution Huntington Bank to inform them I did not authorize the listed below charges. Customer service informed me they would do a full investigation and issue a temporary credit while they conduct their research. She advised me the credit would take place 1-10 business days. I did not receive any credit. I then called the bank on Thursday XX/XX/XXXX to follow up as to what is taking so long for the credit to issue. She advised me that on XX/XX/XXXX the bank concluded the charges were authorized. Not only did they not issue the credit but they did not conduct a thorough investigation. 

Fraudulent transactions with accompanied dates, and amounts listed as followed '' XX/XX/XXXX XXXX {$100.00} XXXX XXXX {$420.00} XXXX XXXXXXXX XX/XX/year> {$950.00} XXXX XXXX {$1500.00} XXXX XXXX  {$870.00} XXXX XXXX {$900.00} XXXX XX/XX/year> {$1900.00} XXXX XXXX {$1300.00} XXXX XXXX {$500.00} XXXX XXXXXXXX {$55.00} XXXX XXXX XX/XX/year> {$1.00} XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter addressed to Experian and XXXX Credit Bureaus on XX/XX/XXXX requesting that they verify the validity of these inquiries and remove them from my file if the Credit Bureaus can not verify these inquiries. Upon Checking my updated Credit Report, It is clear that the Experian and XXXX Credit Bureaus did not comply with the requests. I thought that this matter was already taken care of due to multiple letters I have been sending to the Credit Bureaus, but I was proven wrong when I received my Credit Report for this month. Again, I was a victim of identity theft and these inquiries are the result of such crime. I am submitting this complaint to request the Experian and XXXX Credit Bureaus to remove the disputed inquiries from my Credit file : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Firstmark Services continues to violate my right to privacy, which is a violation of the XXXX XXXX XXXX XXXX. Even after when I made them aware of the federal laws they are breaking by sharing my nonpublic personal information WITHOUT my consent. They have willfully ignored my request to opt out of sharing my nonpublic personal information with other nonaffiliated XXXX parties. 

Firstmark Services continue to aid with consumer reporting agencies to furnish negative information in the form of " late payments '' on my consumer report without my consent in their attempt to extort me on this extension of credit. They make false statements stating that the Fair Credit Reporting Act requires them to furnish information about me without my consent when XXXX XXXX is OPTIONAL WITH MY CONSENT. 

I have suffered monetary actual damages from the results of Firstmark Services furnishing this inaccurate information, damaging my reputation and restraining me from operating in commerce in which the banking system is dependent upon! I have tried to resolve this issue through a direct dispute and indirectly through the consumer reporting agencies that they are furnishing this information to. 

*see attachments*
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX : To Whom It May Concern : I have recently been informed that you are still allowing derogatory information to be reported by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I saw an entry listing that I owe {$36.00} in XX/XX/XXXX. 

I challenge the accuracy, compliance and reporting of this listing. The account you are reporting is not mine. 

Please validate this information with XXXX XXXX XXXX  and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I am formally requesting that this information be immediately deleted from the credit file bearing my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office
Product: Credit card or prepaid card

I began using Capital One Shopping months ago and had earned many rewards which were about to be able to be redeemed for cash ( gift cards ) when suddenly FOR NO REASON my account was suspended. Its a shopping engine, for goodness sake! I particularly love that they give you no explanation for the suspension whatsoever. 

Apparently this has happened to multiple people. Once they are able to redeem for rewards suddenly they suspend your account. What a sham!! 

I emailed today ( XX/XX/23 ) advising them I had done nothing to warrant an account suspension and was basically told they can suspend anyones account at anytime they want to ( email attached ) with NO explanation as to why it was suspended ( legitimate suspensions warrant explanation ). 

They get a 1.5 out of 5 on XXXX XXXX. Wonder why!!
Product: Credit card or prepaid card

I booked a trip via Chase XXXX on United Airlines. The flight was cancelled and I tried to get a refund. Chase told me that because United controls the ticket, they were unable to " access it '' to refund the points.

I contacted United and they refunded the ticket to Chase XXXX on XX/XX/2021 to allow them to access the funds. I called Chase back XX/XX/2021 to try and get the points back since the refund should have posted, and Chase travel claimed they still do not have access to the points.
Product: Credit card or prepaid card

On XX/XX/2020 I made a purchase for an item. When the item arrived it was a counterfeit. I called Citi to get a case open on XX/XX/2020. I provided all the proof they needed and they ignored my case. On XX/XX/2020 they close the case on the buyers favor, when the buyer is selling counterfeit items. Citi does not care tho, Ive trying to contact them again but its been impossible since their lines are always busy. They told me to try to shop the item back, but its like {$30.00} just to send back to the country where it came from. Thats why I have tried contacting the seller multiple times but no luck. In the pictured that I provided it shows what I was supposed to get besides what I received.