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

On XX/XX/2024 I try to paid a transaction for {$520.00}, thru a pin pad machine when I put the pin the system give a error that said exceeded the ATM amount daily, and that day I didnt use my card, and I try again to paid the transaction for the same amount {$520.00}. And received the same error, I coul to my bank to ask what happened mith my card and the lady told me that the XXXX XXXX  present some systms errors and they being working to fix the problem so I can try later. But when I check my account I saw the two transactions pending and when the merchant close the batch this last two transactions didnt appeared. The next day I saw the transactions was being debit from my account and the merchant dont have that credit for this two transactions. And I called my bank and they dont want to give the credit for the two transaction, just only for one and said the problem is for the two transcations because the merchant didnt have the credit, finally the open a claim and give me a temporary credit for the two transactions and I called the processing company to ask more information for this situation and they explain if the transaction didnt give an approved code the transaction didnt go thru and that was the case the machine never give an approved code only show the errors that exceeded the atm amount daily and the same proof of the report that didnt show aproved code. And the merchant never received that credit for this amount until this dated, on XX/XX/XXXX When I checked my account I noticed my bank made the debit for the transactions and I called the claim Department they told me they closed the claim because the transaction going thru correctly because the merchant response to the his investigated department they received the funds and i requested approved of this confirmation to show that to the merchant but they only send me the same letter that was sent to me since the first day a filed the claim. And I called againg to ask for this proved and they told me this claim department dont have this information the only department have the exactly information it is the investigate or financial department, but it is complicated that I have access with this department. I have an open cause with the merchant to see what finallet happened but already passed 10 business day and I dont received any news.
Product: Debt collection

repeatally attacking my credit account with same ole account that should be close.
Product: Checking or savings account

Hello I had a fraud committed on my bank account at Pentagon Federal CreditUnion on XX/XX/2022. As of today, XX/XX/XXXX, no one has contacted us or informed us how they gave away our money so quickly, but now we have no access to the money, it is all we have, and we have bills to pay. We keep getting therunaround. I noticed a wire transfer for {$4100.00} and a {$25.00} wire fee on my account on the XXXX of XXXX, which I did not do. I was told someone called and made the request on the phone. Since then, we have had nothing but roadblocks. They opened a new account hopefully for our funds to be put in, but we do not have access to that account either.
Product: Money transfer, virtual currency, or money service

I made a bill pay at  XXXX  in  XXXX  using "   XXXX   XXXX   XXXX   on  XXXX / XXXX / XXXX  with the NEXT DAY delivery  1st  billpay was to   XXXX   XXXX   XXXX   ending with the last  XXXX  digits  XXXX  - amount of {$1900.00}  2nd  billpay was to   XXXX   XXXX   XXXX   ending with the last  XXXX  digits  XXXX  - amount of {$1900.00} None of the payments were delivered. I paid for the next day delivery, should have be delivered by  XXXX / XXXX / XXXX  - almost {$4000.00} and my   XXXX   XXXX   XXXX   were not paid at all!!!! I have called  XXXX  on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  and they keep saying they have problems with their system and they do n't know how long it takes to have the money received by  XXXX . I consider this as very unreliable service and im requesting investigation or have the payments posted asap. My payments are due and {$4000.00} is a very large sum for  XXXX  to keep for weeks or month s. My credit score  is gon na be affected because my payments are late now.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am unaware of these accounts I believe this to be fraudulent and I would like this to be removed. Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am writing to Complain the misleading and responsibilities of the PNC Bank. 
First of all, the Bank misled me to use two accounts for my business credit card and answer my inquiry that the two are for the same account. So I have only paid attention to one of the accounts with all my transactions and the successful receiving of the monthly autopay, but without showing me the late pay charge on this account. They only show it in another account and the bank statement which is sent later. As I have already seen my online account that the auto pay is received so I feel safe that I havent checked other records It also misled me to set up the auto pay at the due date of the statement and charge me the late fee just one day after the bank received my auto pay. Why charged me a late charge after receiving my auto pay? Why no late charge for the first two months as I have set up the auto pay date since my card was issued?

I was confirmed by not only one staff member a few times total after I called a number of times that the auto pay date set up is correct and they even confirmed to me that there is no more late charge and will refund me one months late charge, but then they charge late fee again and charged me 4 months of late charge in total .They even denied that they have any of that kind of conversation record. 
The bank even does not accept any written complaint by mail or email The Bank refused to be held responsible for the above few deception and fake confirmation that they have made and refused to refund customers after a long time of complaints and negotiation.
Product: Checking or savings account

I deposited a cashiers check mid day on XX/XX/XXXX for $ XXXX. The bank told me they would put a hold on the entire check until XX/XX/XXXX. I called to have a portion of funds released and they advised I had to call on XX/XX/XXXX and when I did they said they will not release any funds. I am currently over drawn and they are charging overdraft charges, while they have the money. I believe a full hold for 7 days on a cashier check is not a fair banking practice. This was an inheritance and my siblings had a four day hold and access to {$10.00} XXXX the first day. 
I gave XXXX a Bank of America preferred customer for 23 years. They have said that it is standard practice which I highly doubt. I believe hold deposits for that amount of time is abuse of customers money
Product: Debt collection

Me complaint is with national recovery agency. They have placed collections on my report without questioning or verifying the age and legality of this debt. The cfpb new rule has banned medical debt but these people have placed a new collection through XXXX from 2018. Date of first delinquency was 2018
Product: Mortgage

Since 2021, my mortgage company has not paid the taxes that I escrowed. I have been served papers twice by the Sheriff and even sued by the county. The official lawsuit notice was served XXXX and immediately submitted to Select Portfolio Servicing. We had several warnings and were even served months prior. All documents have been uploaded via their online portal as well as sent via email. They have promised numerous time that it would be taken care of and they never did. I ended up paying the county out of my pocket on XXXX to avoid losing my home. I also had to pay the court fees that were incurred by the attorneys that file these suits on behalf of my county. Still, they won't address the situation, continue to apologize and give me " absolutely worst case '' dates which they routinely miss. Now I am being told that it could take up to 45 more days to pay me back. This all began in XXXX of 2021 and they could never figure out how to pay the taxes on the correct parcel #. With one phone call to the county, I was able to find out the correct parcel and make the payment in person. Basically they just aren't trying as they could have done what I did and have the expertise to handle it better than I am equipped with. I have now been forced to double pay my taxes along with late fees plus the court fees for a total of XXXX ( taxes, late fees, court costs and c/c processing fee ). 
I also missed a mandated court date XXXX as they refused to give me any documentation of them " trying '' to pay the taxes but having the wrong parcel #. I was told that I would have to subpoena them to get that information. So I couldn't even go to court on their ( and my ) behalf with evidence unless I subpoena my own mortgage company. They refuse to let me talk with the tax department or the disbursement department claiming that it is against policy. 
The account number on the loan is XXXX The address in question is XXXX XXXX  XXXX, XXXX TX XXXX
Product: Credit card or prepaid card

I opened a Citi American Airlines Advantage Master Card back in XX/XX/XXXX. I tried closing the credit card twice in the past in XX/XX/XXXX and XX/XX/XXXX. They don't have an online link to close account. When talking to rep back in XX/XX/XXXX they wanted to convert it to a no Annual Fee credit card which they never did and kept billing me for Annual Fee and adding Interest charges on it. So far I have paid more than $XXXX in Annual Fees and Interest charges. I would like CFPB to investigate this dubious practice of Citi American Airlines Advantage Master Card. 1) Why don't they have a Card Cancellation button in the online portal? 2) Why do they give you other options over the phone that they don't plan on honoring?
Product: Credit card or prepaid card

I had this card since college from XX/XX/XXXX-XX/XX/XXXX. This company removed me from credit protection, without me knowing, when I was sick and financially challenged, secondly, they decided to close my account when I wanted to set up a payment plan. I believe that this company is XXXX and the representatives just wanted to ruin my credit because I am XXXX and XXXX skinned. I was beaten and attacked and they did not care even after I told them. I needed a little more time to make a payment. I am ill and I need to have my protection plan reinstated. Please help, because this is the only major credit card that I have with a high limit. I think that they closed my account, however, I am ambiguous to the facts of the matter, currently.This company told me that I could not get into a payment plan until XX/XX/XXXX, now that it is XX/XX/XXXX, this XXXX man closed my account. I am saddened and heart broken. This company should seek new management. Why did he wait until a year to close the account? This is miles around the time when I could have been put into a payment plan.
Product: Debt collection

XX/XX/2020 my creditcard account was frozen due to suspicious activity on my account.The amount of activity was $ XXXX purchases made to my account, ( not my purchases ), The bank then added something called afunds transfer credit of {$2200.00}, to the account. Bank of America then put what they called a credit on my account of {$4000.00}, to be .. researched, .I immediately told everyone i was able to contact that this was not my bill and that my card may have been used and asked to talk to the fraud dept.I had multiple conversations with the many depts in Bank of america , each one sending me to anotherit finally turned out that the {$2200.00} ha was charged to me was not a part of the claim. Finally the claim amounted to {$2500.00} that i do not owe.I refered this claim to the XXXX XXXX XXXX on advice from a friend that had worked with the XXXX  and had seen that they could help my situation. Bank of America continues to send me letters that say they denied my claim to these debts, XXXX  sugested i contact you in this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX are accounts on my credit report as results of identitys theft. Ive never done business with either company! Ive reached out to both companies informing them of the theft, XXXXXXXX XXXX has already took the step to stop reporting to XXXX and its been delete. Im a victim of the XXXX data breach I believe my identity has been stolen as result of that!
Product: Credit card or prepaid card

Chase bank will not refund our hotel stay in XXXX which we had no choice but to cancel due to Covid, we had no flight, it cancelled and we had an XXXX XXXX dept alert due to Covid We booked a 6 day stay in XXXX/hotel resort in XXXX for XX/XX/2020. As dates got closer we were in touch with XXXX to see if the flight was going to cancel due to Covid 19. They would not give any information. Finally a month before they canceled our flight, and all flights from the US to Iceland as they are part of the EU. They refunded our money 100 % through our booking agent. See Doc. I wrote to the Hotel but they wanted to hear none of it, saying our stay was non refundable??. In her/their letters to me they lied and mislead about what was going on, see Docs. They insisted they were open but flights from US cancelled ... ..banned as-it-were. She misled on Covid testing on the island, saying we could get ahead in US before leaving ... but that was wrong ... .she said tests in XXXX most likely free, but not sure but online it said $ XXXX, if you fail you have to quarantine for 2 weeks. Turns out you had to get a test there. But our flights were cancelled due to the pandemic. They wanted us to leave our money there and come back within a year, we declined. XXXX had just refunded our hotel in XXXX for XXXX XXXX for identical circumstances. They told us vendors are doing this to millions of people and its against the law. 

I had many phone calls with Chase and mailed them several documents of XXXX XXXX and hotel dialogue. They had many different people it seems working on this and seemingly lost the info. Then they gave me a final form to fill out and answer yes, no, why etc ... .all had nothing to do with our case??? Its clear they don't support consumers and favor with business ... .I got this impression every time I spoke with them. It seems all credit card companies are recognizing the Covid pandemic except them. 

The excuse Chase gave us is we didn't adhere to the cancellation policy??? I was in touch with the Hotel group many times. We travel a lot, 7 times last year. We also have {$5000.00} in flights to XXXX this XXXX and {$5000.00} in cruises. There is an international travel ban now into XXXX and could last pas XXXX. Is Chase going to continue in this vein and not support American consumers?? We don't need credit card companies like this in XXXX We will never book another vacation with them. Please resolve this. The disputed amount id {$670.00} see 10 page PDF that Chase mailed us against our favor XXXX XXXX Cardholder XXXX XXXX, Husband. I have handled all issues here XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting XX/XX/XXXX, the three major credit reporting agencies, XXXX, Equifax, and XXXX were to enforce stricter rules on the public records they collect, requiring each citation to include the subjects name, address, and either their Social Security Number or Date of Birth. As ofXX/XX/XXXX, the inaccurate information is still reporting on my Equifax, XXXX, and XXXX credit report. 

Furthermore, the told me to contact XXXX XXXX XXXX 

When I go to the link XXXX states : you have concerns that a record has been erroneously matched to you and included in your credit report, please contact Equifax to correct the error. XXXX does not match public record data to consumer credit files for Equifax. Equifax performs this matching themselves. 


Equifax, XXXX, and XXXX refuses the follow the new standards that are apart of the National Consumer Assistance Plan, which is an initiative of the 3 nationwide consumer reporting agencies, XXXX, Equifax, and XXXX to enhance the accuracy of credit reporting information. 

There is no public records that contain my name, address, social security number OR date of birth.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XXXX XXXX reported a late payment that was inaccurate and the reporting agency keeps reporting it. the XXXX XXXX   balance was paid off in full and had a XXXX  balance. XXXX XXXX   went ahead after that fact and charge some random fee that I wasn't aware of and that's the reason they use to say am late when I wasn't.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NOTICE A HARD INQUIRY IN MY CREDIT REPORT FROM PAYPAL via SYNCBVENMO ON XX/XX/2020 WHICH I M NOT AWARE OF!
Product: Credit reporting or other personal consumer reports

Dear LexisNexis, My name is XXXX XXXX, XXXX XX/XX/year>, last four of my Social Security Number is XXXXThe consumer report number XXXX. I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my consumer report, I have found that there are multipule fraudulent items listed. 1, I've noticed some items listed under Section 8, Criminal Offense Records and Section 11, Department of Driver Services Records. I am requesting a very thorough investigation be conducted and verify the that the infomation listed is correct. As I know this information is incorrect because I have contacted TX DEPT OF PUBLIC SAFETY for items under Section 8 Criminal Offense Records for RECORD 1 and RECORD 2 and they have informed they do not provide any consumer information to any Credit Reporting Agencies and they do not show any information when I provided my personal identifiable information. I also contacted XXXX XXXX CRIMINAL COURT as listed under Section 11, DEPARTMENT OF DRIVER SERVICES RECORDS for RECORD 1 and RECORD 2 ( DRIVER LICENSE VIOLATION DETAILS ) and they to have informed they do not provide any consumer information to any Credit Reporting Agencies and they do not show any information when I provided my personal identifiable information. I have XXXX other relatives with the same name as myself and perhaps this is some sort of mixup. If they are not providing this information to you then where are you getting this erroneous information from? As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers.By Federal law you are requested to list complete accurate information and you are listing fraudulent items that do not belong to me. I request that you removed the items I listed immediately and send me an updated consumer report reflecting the accurate information.If this information still remains after your investigation, keep in mind that I am a litigious consumer and will not hesistae to file a lawsuit for violations of the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company was given all pertinent information on this fraudulent account. I don't have account numbers as the account is not mine as I stated before. When I sent my letter I gave them all the information I had on this account. These tactics are used to put my information on this fraudulent account and continue to leave it on my credit report. My name and address were also included in my first complaint. If this item is not removed so that I can move and buy a home I will be left no other choice than to file legal action agains XXXX  XXXX  for fraud and Intention infliction of emotional distress ( IIED ) as well as other damages suffered as a result of these attacks on my personal credit, character and overall wellbeing. As I requested before I want these items removed from my credit report. I have already sent numerous letters and given my information I don't have any further information as this is all that is on my report ; the account isn't mine so I will never have the information they are looking for. They need to prove with wet ink signatures which they don't have as this is fraud and these accounts are not mine. We are beyond the request for information. Remove this account or I will be left no other choice but to pursue legal action. 


Previous complaint : I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a condo, new car and making it impossible to move forward with my life. 1.  XXXX XXXX - balance is showing as {$1400.00}, account partially listed - XXXX, dates not listed, 2. XXXX XXXX - balance is showing as {$1000.00}, account partially listed - XXXX, dates not listed,
Product: Credit reporting or other personal consumer reports

My account, was never late! I have had exceptional payment history 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 to be updated.

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.

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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXX XX/XX/2022 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.