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

XX/XX/2019 this company 's system is not updating correctly. They are charging people XXXX for each transaction which results in high amounts of overdraft fees. They are rude when you call into customer service and they don't have contact information for the cooperate office. They are charging me excessive overdraft fees and then making like I am in the wrong because their systems are not updating correctly.I want to be contacted by XXXX XXXXXXXXXXXX the president and I want these high overdraft fees removed.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and remove this immediately in my report : BANK XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX recently transitioned from XXXX XXXX to Goldman Sachs. I have never received a card or a new account number. Prior to them taking over I paid my monthly statement in full to XXXX XXXX, account ending in XXXX. The last payment due XX/XX/XXXX for XXXX was paid in full to XXXX XXXX before the due date via electronic payment. Goldman Sachs took over XXXX XXXX in XXXX and I got a bill dated XX/XX/XXXX that I am behind in a payment to them for XXXX. There customer service staff said it was due XX/XX/XXXX??? I explained it is dated XX/XX/XXXX and XXXX payment was in full to XXXX XXXX. They began sending emails and saying I am behind in payment to an account ending in XXXX that " doesn't yet exist '' under them. I don't have an account ending in XXXX and yet their correspondence indicates this is an account they are billing me under. They are saying I am late and the account has been frozen. Yet, when I speak to them they say I am able to make purchases with my XXXX XXXX  number ending in XXXX and to pay the payments to them with the old XXXX XXXX number?? Their Customer Service staff and two Managers seem to have no idea about the new account number being sent in my correspondence, for an account they have yet to send me a card on, and that doesn't exist and that has been " frozen ''. Despite more than 4 phone calls to them, I continue to receive threatening emails from them saying I need to pay XXXX and additional late fees they have tacked on to my most recent purchase XX/XX/2022 for XXXX. I received a letter from them dated XX/XX/2022 saying there is no error and the initial dispute decision is that I owe the money {$6.00}. The last call to CS Rep indicated the first dispute was declined ( which I received in writing as noted above ) and I owe the money. I asked for and spoke with yet another manager, and he was again sending it on to Dispute. Every person I speak with thinks it is strange and I shouldn't owe any fees, but no one seems to be resolving this issue. I am growing weary of speaking with them, with no resolution and getting threatening emails and another statement with late charges and additional fees added to the amount indicated above. Also, the statements are arriving with account number XXXX not XXXX???
Product: Credit reporting or other personal consumer reports

To whom it may concern, I previously wrote you to investigate and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court.

I contacted the U.S. Bankruptcy Court courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number, and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have included a copy of the response from the courthouse for your reference. 

It is quite clear that someone from TransUnion lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 

As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report : " XXXX XXXX Bankruptcy '', Docket # : XXXX Please respond to me in writing once this removal has been completed. 

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

I sent out several letters. I told the credit bureaus to investigate every piece of information on the account I have listed below. I also have attached my credit report According to the FCRA the term investigate consumer report means a consumer or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do proper investigation according to the law. 
Also every piece of information on this account is not reporting 100 % Accurate. 
According to FRCA 15 USC 1681 Everything has to be 100 % accurate. I Have the credit report attached showing the inaccuracies. I marked red X by everything thats wrong also its reporting these 2 companies below Account- XXXX XXXX XXXX Account number- XXXX
Product: Mortgage

I have a mortgage with Suntrust Mortgage. 
My home was damaged by a flood and my insurance company issued the funds to repair my home. The funds were sent to Suntrust and they have been holding them in an escrow account. I have been contacting Suntrust on multiple occasions to request the funds be released to pay the contractors that have made the repairs. They tell me they need to have an inspector come to my unit before they can release the funds. They are holding {$80000.00} and have not released one penny. The work in my unit has been completed for months and the contractors are screaming at me to get paid. I have had to pay several out of my pocket because Suntrust keeps loosing paperwork, requesting unnecessary documents, and continues to stall payments. Now they tell me they need to send an inspector out to verify the work is completed. I requested the inspector on XX/XX/2019. I have called over a dozen times and emailed and they still haven't scheduled an inspection. 
They tell me they have no idea what happened and keep apologizing to me and claim they will escalate the situation. This is ridiculous at this point. I have been waiting almost a month just to get a date for he inspection. In the meantime I have had to pay contractors out of my pocket to prevent liens on my unit. This is causing me a financial hardship. Please help!!
Product: Debt collection

I try to make attempts to make through online automatic system my social security number was not being recognized when I called in. I have XXXX staff was not giving me accommodations to make the payments. I was not properly notify that things where going be reported to credit report. I had several occasions were I was on hold for long periods. I am XXXX the staff told me it is my responsibility that I am XXXX. I made very attempt to make the payment.Paypal will not talk to me and synchrony bank is discriminating against me because I have XXXX I brought it multiple times that I can not read the bills and was not properly notify by phone because I can not read or see the bills.
Product: Checking or savings account

Hello I would like to report Capital One Bank. They are purposely and intentionally manipulating my bank account. I can no longer make withdrawals from an ATM. If try to make a withdrawal from an ATM it will diplsay a negative balance but when I go to the official Capital Bank Office I would get a positive balance. Also the bank will put a cap on how much I can spend when I have sufficient funds in the bank. This is a reflection of my past complaint. They are regulating how much I can spend when I have sufficient funds in the bank.
Product: Credit card or prepaid card

I signed up for Citi Bank 's XXXX XXXX XXXX   back in XXXX of XXXX. I was told over the phone that if I never submit a claim, I could receive a refund when I cancel my enrollment. I canceled my enrollment in XXXX of XXXX. I had paid in a total of {$1200.00} to the program and never submitted a claim. I requested a refund 4 times and rejected 4 times. The last person I talked with was part of the Executive Response Unit. She told me I was not entitled to a refund because there's nothing in the terms & conditions that state the fees are refundable. I asked her if there was anything stating that the fees were non-refundable. She told me no. She still wouldn't grant me a refund. 

Attached is the last rejection letter the company sent stating their reasoning for refusal of refund.
Product: Debt collection

XX/XX/XXXX - My husband and I bought a deeded time share at XXXX XXXX XXXX in XXXX XXXX XXXX. We paid in full for timeshare -- {$12000.00}. We paid taxes and maintenance fee annually as billed. XX/XX/XXXX - My husband and I divorced. He got XXXX XXXX XXXX in settlement. He ( alone ) paid  taxes and maintenance fee annually. XX/XX/XXXX - My ex-husband XXXX and our daughter, as executrix, contacted XXXX several times trying to get deed changed to her name. Several calls and faxes with no response from XXXX. We were informed by XXXX that we had to work through XXXX to get this done. XX/XX/XXXX - My daughter continued to contact XXXX about transfering deed. No statements or any information regarding taxes or fees were received. XX/XX/XXXX -- A $ 20,000+ collection action appears on my XXXX credit report from Pinnacle Recovery. Upon inquiry, I find that because the deed to the timeshare was never changed, my former name still appears on the deed and I am liable for back taxes and fees. They tell me that even though my divorce releases me of liability, their civil claim supersedes that. I have never received any annual statements or bills from the current owner of XXXX, XXXX XXXX. Pinnacle offers to terminate the action for {$310.00}, however, they can not guarantee that my credit report will be repaired. They tell me I have to follow up with their client, XXXX XXXX and wait for their release letter. The rep advised me to be persistent in asking for the letter because XXXX is not timely with this action. He said it could take months to get the release. He said I should continue to call, asking for supervisors, etc. While I believe the whole transaction is a scam, I am willing to pay the {$3100.00} to get this matter resolved, but I am concerned that once I pay, they have no motivation to give me a release letter or remove the derogatory from my credit report. I also believe that since Pinnacle is the company that put the negative information on my credit report, they should remove it as soon as I pay the money they request. I would appreciate your advice on how I can assure that my credit report will reflect the resolution of this matter as Pinnacle has promised. I have attached all relevant documents for your review. Thank you very much XXXX ( XXXX ) XXXX
Product: Debt collection

I have not interacted with the company but the debt is showing it as a recent debt and i know its been longer than 7 months since i became delinquent, its been 5 years. they are wanting {$770.00} and i was only suppose to pay {$440.00} $ but it went up to {$770.00}. 
I havent had any contact with " XXXX '' But it seems the info is incorrect. Im looking for some kind of help to see if this matter can be resolved?
Product: Credit reporting, credit repair services, or other personal consumer reports

there is XXXX XXXX opened on my name which is fraudulent and it is not mine. i tried to dispute the item several time but they keep verify the account. i informed the XXXX but nothing has been changed. during 2018 I had rare XXXX on my knee which i had to go back home for XXXX. the XXXX   XXXX XXXX and XXXX XXXX  promised to keep my account current during my treatment which i was out of job. i still paid an amount they said to keep my account current but they still reported miss payment. the XXXX  consumer usa also took my car during that time and did not stand on their promise. i disputed with explenation but the status never changed since i came back to united states. these reports happen during 2018.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 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 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

This is an ongoing issue with Capital One and I have had nothing but problems dealing with this credit card company. I opened up an account on XX/XX/2023 and which I was told I could do a balance transfer in which they did not happen because something was wrong with their computer system. Finally on XXXX XXXX  XXXX XXXXI was able to get through to make a balance transfer but now I am finding out that its still pending and the balance transfer wont even go through before the XXXX of this month and which I told all customer service representatives and a supervisor that it needed to go through before XXXX XXXX XXXX XXXXXXXX. I was told it would only take 3 to 5 days once my balance transfer was not pending anymore. Now I am hearing for the first time from a supervisor that it will take 15 more days after the 3 to 5 days before a check can be issued to my other credit card company for the balance transfer amount. So today I had to cancel the balance transfer because Capital One did not start the balance transfer process when I first called initially because they were having computer issues. Had Capital One taken care of the balance transfer immediately The balance transfer would have taken place already and my other credit card company would have received payment for balance transfer.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX  I applied for this loan based on my needs not understanding it was predatory and illegal. I tried to pay it off but just couldn't because of the high interest rates. Finding the true lender rule was overturned. That would make this loan illegal in the state of Florida.
Product: Credit reporting or other personal consumer reports

My account with XXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXX 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 me 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 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 XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

BANK OF AMERICA Account # XXXX this account is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of XXXX XXXX. This Account is is Inaccurate And Has To Be Removed
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX Account number : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX my XXXX XXXX ACCOUNT # XXXX XXXX, was closed on my report and it should be open on the bureaus instead of closed. i paid the balance down, been on time every month, and it drop my score 7 points as well
Product: Consumer Loan

Lending Club led me to believe that my loan had been approved and then went back on what they said a week later and denied my loan. I first received a preapproved letter from Lending Club in the mail and proceeded to apply. Within minutes of completing the requested information, I was told I was approved, but needed to finish the " checklist '' on my login page. I completed all steps, including providing very senesitive information like my bank account number and sensitive work information. A week later, when I had n't received the direct deposit and had not received any follow up correspondance, I logged back in and the website said that I just needed to call to confirm my identity for the funds to be dispersed. I did this, providing/confirming additional sensitive information by phone, then was put on hold indefinitely until I had to hang up to take a work call. I then received an email, stating they would be calling me by the end of the next business day to confirm some information. Except then later that same day, I instead received another email stating that I had declined for the loan.
Product: Credit card

On XX/XX/23, I was charged a returned check fee for a payment made against my checking account despite having {$13000.00} in the account at the time. Despite a near universal courtesy policy of a one time exception, customer service refused to honor this request against the {$30.00} charged despite my account 's perfect standing. The only reason for this I surmised is because of a balance from a access check, a discriminatory treatment policy.
Product: Debt or credit management

I claimed dispute {$80.00} on XX/XX/2023, The XXXX XXXX  claimed they give me provisional credit {$80.00} to my account which I did not see this credit, I deposited my ending balance {$3900.00} to my other bank, but from start to end, I did not receive any dispute credit to my account, but they claim the dispute is denied, and they want {$80.00} credit back and {$30.00} closing fee, which is unreasonable. 
And now Capital Management tried to collect my debt behalf of XXXX XXXX, I would not recognize this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no option for my complaint. Below is my belief in wrong doing. 

I am XXXX XXXX military. As such, I XXXX  and move constantly. Which I have to get a new place every time, usually about every year. With that being said, I have to get my credit pulled for housing, cable/internet, power, phone etc. every single time. The general population/ consumer, do NOT have to do this as they do not move nearly as much as military personnel. I do not believe this is fair to me, nor any other military service members. Our credit is affected tremendously because of this and believe this should not negatively impact our credit. PLEASE review my credit history. I have NEVER been late on any payments, but since I have a ton of inquiries, it is hurting my credit score.
Product: Credit reporting or other personal consumer reports

15 US Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/year> Bank of America attempt, on my request, unsuccessfully to deliver {$1000.00} of my funds from USA to a bank in my wife 's bank in New Caledonia. The money never arrived. When XXXX weeks later I asked BoA for it to be returned they say it is ok to stop the transaction. That was the end of it. Later I found-out that Bank of America used what they call and " intermediary bank '' of their choice in Tahiti ( not sure why ) and that this bank is not returning the funds. 
Since it is the choice of Bank of America to use this intermediary bank I hold Bank of America responsible to retrieve the funds- they do NOT even after more then a dozen calls and XXXX complaints.