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

Transfer balance payment due XXXX. Deposited {$25.00} payment amount into my personal checking account at XXXX XXXX on XX/XX/27. Next step is to make the online payment to Bank of America for withdrawal from XXXX XXXX account on same day or sometimes within a few days thereafter but several days before due. Upon daily checking of XXXX account on XXXX, I saw that the {$25.00} payment I deposited on XX/XX/27 hadn't been withdrawn 6 days later and the payment was due XXXX. I called BOA to ask why it hadn't been withdrawn. Told by BOA they couldn't see any scheduled payment so I thought I had forgotten to make the online payment. I didn't want to be charged a late fee so the Phone Associate manually drew the {$25.00} payment from my XXXX  account that day to make the BOA payment on time. BOA website, payment noted as " Ext Imm Pymt Transfer '' on XXXX and states on XXXX  website payment withdrawn on XXXX. All was well until today, XXXX, when I checked my XXXX account and was overdrawn by {$25.00}. Evidently I did make the BOA payment on XX/XX/27 but it didn't post until XXXX which would make the payment late now. This time on BOA website says " XXXX BA ELECTRONIC PAYMENT - {$25.00} '' which I had already paid once on XXXX. I called BOA and Phone Associate saw the additional payment that was taken out. They reversed the XXXX {$25.00} payment, however, I was told it could take up to 10 business days for the {$25.00} to be returned to my XXXX  account - in the meantime I was still overdrawn and would be subject to a {$35.00} XXXX overdraft fee if I couldn't come up with {$25.00} from somewhere soon. I was livid! Needless to say I had to " rob XXXX to pay XXXX  '' as the saying goes until BOA refunds my account because of their mistake. What makes me so mad is BOA said " there is no record of a scheduled payment after XX/XX/27 ''. This has happened SEVERAL times before with BOA. I have no problems with any other credit cards having long posting payment issues - just with BOA. BOA needs to seriously REWORK their payment processing system now so this doesn't happen again.
Product: Checking or savings account

I made a deposit into my account and Wells Fargo give me a few and the deposit was enough to cover the charge. I have my deposit receipt for the account I place the funds into due to me not have my primary checking acct debit card because of fraud on the account ending in XXXX. I deposited and than transferred the funds from my secondary acct ending in XXXX. I will not be paying any overdraft fees due to me placing the fund into my account. All of my debit card are suppose to access all of my personal accounts however they do not due to my debit cards being replace and features not being keep. Once again where is my {$120000.00} that is missing. I still am waiting on my taxes documents.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under XXXX XXXX XXXX XXXX ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under XXXX XXXX Code XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt XXXX. 
I never sat across a table from any of the alleged creditors and debt XXXX and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year>, I noticed a discrepancy in how my XXXX XXXX XXXX account was being reported to the credit reporting agencies. The inaccurate reporting has negatively impacted my credit score. I reached out to XXXX through the CFPB, and Case # XXXX was opened. XXXX responded to that inquiry, but the issue remains unresolved as the incorrect information continues to appear on my credit reports. 

I filed a second inquiry through the CFPB ( Case # XXXX ) to address the ongoing errors, but XXXX has again failed to correct the reporting issue. Despite their assertion that they regularly provide information to the credit reporting agencies, the information being reported does not accurately reflect the status of my account. Additionally, XXXX has declined my request for compensation for the financial harm caused by this incorrect reporting, which has affected my creditworthiness. 

I am seeking a resolution to this matter, which includes correcting the inaccurate credit reporting and compensating me for the financial harm incurred as a result of these discrepancies.
Product: Checking or savings account

Santander Bank h ad an offer of {$500.00} if I opened a business checking account.     The conditions : - keep account open 90 days - {$2000.00} of cumulative deposits in 90 days  XXXX  transactions in 90 days ( purchases, transfers etc ) I met all the conditions and now they are saying I did n't qualify for the bonus because I did n't meet an average daily balance of {$2000.00}. ( that condition was never listed on the offer )
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 I am formally requesting that you include the following fraudulent items to be removed from the Credit report. 
XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} ( Original Creditor : XXXX ) XXXX Balance : {$220.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00}
Product: Mortgage

My loan was in foreclosure in 2013. I reinstated and brought the loan current on XXXX XXXX, 2013. At the time of reinstatement I paid {$1200.00} of attorneys fees. After 2013 my loan was never in foreclosure again. My current statements shows a balance of attorneys fees of $ {$880.00}. I have asked Nationstar to specifically provide the itemization of these fees added, including when the cost was incurred and to whom the fees were paid. They have failed to provide the requested information.
Product: Payday loan, title loan, personal loan, or advance loan

I have a loan with check into cash and have had autopay was setup and and we had one returned payment and they stopped autopay then did not contact me or retry the payment and went months without trying to take a payment since XXXX and then on XX/XX/2024 they take an amount of {$600.00}. They should have been taking the payments like normal autopay was not revoked until the XXXX when we found an issue after being charged {$600.00}. I contacted the company and they corp office staffing is unwilling to help in any way and say it is my fault because I didn't pay. I explained thats why I had autopay.
Product: Credit card or prepaid card

I have an XXXX XXXX XXXX Card from Synchrony Bank and a balance of {$96.00} which was due on the XX/XX/XXXX. At about XXXX XXXX on the morning of XX/XX/XXXX I paid off my balance IN FULL but I was still charged a {$27.00} late fee. Please make Synchrony Bank remove this {$27.00} fraudulent fee and penalize them for ripping off their customers. I complained about this fee on XXXX to my followers and got over 100 comments and XXXX so this Bank have to be known to the CFPB as notorious for these type of fees.
Product: Mortgage

I am a XXXX XXXX veteran and my families only income is from VA XXXX and Social security XXXX.  I fell behind due to XXXX   and applied for mortgage assistance.  Bank of America just denied me onXX/XX/2019 for the reason of: "Unable to verify income"?  How hard is it to look at my VA award letter and Social security letter and two bank statements showing the deposits circled.  This is a violation of the Fair Housing Act discriminating against and not allowing XXXX income to be used in the review.
Product: Credit reporting or other personal consumer reports

Bankruptcy is unverified by the XXXX XXXX  XXXX and court trustee of the XXXX XXXX XXXX XXXX XXXX XXXX, as it is known that the court and court trustee are not credit furnishers to credit reporting agencies. Information is assumed and not verified by a complete social security number that the XXXX XXXX XXXXXXXX omitted from public record as a result of Federal Regulations that the Federal Government has put into effect to protect consumer rights against invasion of privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLORIDA XXXX XXXX XXXX XXXX FLORIDA UNITED STATES DISTRICT COURT XXXX XXXX XXXX XXXX XXXX, FLORIDA XXXX RE : CASE FILE - XXXX Warning to remove items from my Credit File To whom it may concern, I have previously disputed CASE FILE - XXXX with you and WITH NO response, you have not verified the item as correct, accurate or factual. My credit report reflects this information has been verified and provided to the credit bureaus willingly by the court - that is a lie. The bankruptcy courts do not provide information to the credit bureaus. This is CLEARLY stated in the link provided below.

UNLESS you can provide me with written confirmation that the above mentioned court district has manually verified this information as it shows on my credit report, this is false reporting and NOT LEGAL. This does NOT comply with FCRA 611 ( 15 U.S.C. 1681I ) and it must be deleted IMMEDIATELY.

Please reference for proof of this violation and false reporting : https : //www.moeb.uscourts.gov/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I DEMAND DELETION OF THIS REPORTING IMMEDIATELY AS THIS IS IN VIOLATION OF FCRA - 611 ( 15 USC & 1681I ).
Product: Credit reporting or other personal consumer reports

Dear Sir or Lady : I examined my personal consumer report that I purchased from your company, and I'm writing to you to let you know that my social security number has been compromised. I've experienced identity theft. I filed a complaint with the Federal Trade Commission, and it is attached. # XXXX Send me an updated copy of my credit report and please block and remove all information from it. The following INQUIRIES were obtained through fraud that I did not authorize and are not mine : Delete unauthorized inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXXXXXX, CT XXXX ; XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Mortgage

I have submitted a previous complaint that was considered closed. I went through the procedure properly and even disputed the company response. It has been almost 4 months since our loan was closed with Quicken and a month ago I was notified by them, yes, that they had made another error. XXXX of many, this error had to do with our insurance impound account. First of all we were told while doing the loan that the amount of insurance needed to be increased to XXXX in coverage. I offered to contact our agent to discuss this. Quicken insisted they needed to contact our agent. Meantime we never heard anything additional while the loan was in process, neither from Quicken or our insurance rep. You would think this would have been something they would have discussed with us. Three months into the loan we were contacted by XXXX XXXX at Quicken, stating that they made an error and did not impound enough funds for our insurance. We have our primary dwelling and a XXXX XXXX stated that they only impounded enough for the main home. She also said that the primary needed to be insured for the amount of the loan. I insisted that this could not be possible. After much back and forth email and pleas on our behalf, we found out this is not correct. We are now and have been dealing with this for over a month. The smaller dwelling was finally reevaluated by our insurance rep. This loan was audited and reviewed multiple times and they continue to error. The amount of stress they have put into our lives had been non stop. I feel like we followed all proper procedures, they were told and did have appraised XXXX dwellings. I feel like a closer look should have been made into the dealings of Quicken. My brother is a XXXX and assured us in all his training, that what we were to do was report this to CFPB. I am more than shocked at this point, that Quicken can continue in this manner to wreak such havoc. Their responses to my issues were sugar coated at best and there most used phrase is " I am sorry ''. They do n't hesitate to repeat this several or more times in XXXX email. It 's beyond reprehensible. Please look into this further. And again prevent them from doing this to other people who are less knowledgeable about how the process works.
Product: Checking or savings account

I applied for a checking and savings with Citibank and they called me the next day to verify my accounts and for some odd reason they done it one by one. Savings first and then checking. My savings went through so they called me back later to do the verification for the checking in which the representative barely spoke XXXX and input the wrong information on my credit verification and when I asked him about it and why he did he hung up the phone on me causing me to fail verification. I called back to get an explanation and everyone keeps saying they cant help me without a card number or account number in which they never gave me. They were so rude and mean about the situation and continued to hang up on me or transfer me to another recording or something that gave me no response. I have been trying to settle this situation with them for a week or more and I can never get help its always a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they are seriously hurting peoples business with their ignorance and hate. I feel as I was XXXX  against and they automatically didnt like me upon hearing my voice. Its impossible to speak with a respectful or helpful person. And I would advise everyone to never deal with this bank. Once they have your money they can do whatever and its no one to speak with.
Product: Checking or savings account

Hi, i opened both a savings and checking account with Golden 1 Credit Union back in 2020. And was issued an ATM card that i used connected to my account. The last time i had used my ATM was on XXXX XXXX, XXXX. ( It was a Friday. ) At which time i had withdrawn {$200.00}. Leaving my account balance at {$350.00}. Then on that following Monday I had discovered via the mobile app that my balance was now at {$6200.00}. Unsure of the funds deposited I had called Golden 1 to inquire about my findings. I was told that I had numerous transactions on that date and discovered that I did not have my ATM on me. The employee helping me over the phone was a woman and unfortunately i did not get her name. She had advised me that I needed to file a claim on my account. And was reassured that she was able to file the claim for me as we spoke over the phone without having to go in person to the nearest branch. It is important to note that the employee had also told me that she had not ever filed a claim with a deposit transaction so i was placed on hold as she learned how to submit my claim on her end. Appeased i obliged and answered all questions asked of me. To my dismay it would take a few days and in the meantime I was unable to access any funds. So I waited. Since that time, I have NEVER had my balance corrected. And to date they have closed my account leaving me with a negative balance and forwarded me to collections. I am now in XXXX and can not open another account in any other bank. I ended up having to file 2-3 more claims within my account to try and get me back to my original amount of {$350.00} because apparently the first original claim filed was not done correctly nor were the subsequent claims filed after trying to fix the negative amounts left from their inability to correctly file my claims. Did that make sense? I have spoken to numerous employees via phone and in person from both customer service and the fraud department. And have sent several emails requesting management handle my situation and correct my account. They also kept several direct deposits of mine to pay back whatever negative amount was still showing up in my account at the time. Both my stimulus check of {$1400.00} and tax return of {$560.00} totaling to {$1900.00}. And of course the {$350.00} that i had in my account when i had last used my ATM. From beginning to end i have been cooperative and patient with them. Only voicing fustration via email. I have had several conversations with employees that made me feel like I was losing my mind for it was noted in my account that i was already told of the reason why my account was not in good standing. I did lose both my mother and grandmother last year and all of this did start at the beginning of Covid well. But it does not dismiss the fact that I have been wrongly handled by Golden 1.
Product: Credit reporting or other personal consumer reports

This company is a gigantic XXXX they don't resolve any issue and every XXXX XXXX XXXX lies. They provide zero proof outside of fluff. They continue to report my account 30 days late even though they have received over {$800.00} in payments. This company needs to cease to exist. They received a recent payment of {$140.00} plus and they apply it after the due date to continue to hurt the consumer. CFPB should be ashamed for not turning over this company to the FTC for an internal investigation. Prosper employees people who can't read, can't articulate and that's the reason their products are designed to XXXX on their consumers. I have sent XXXX subpoenas and inquiries with XXXX response from this disgusting and vile company.
Product: Other financial service

In XXXX, I purchased a {$60.00} MoneyGram money order. I set it aside and forgot about it until cleaning out some old files. When I took it back to the place of purchase in XXXX, I was told that they could not cash it since it was over a year old. The money order did not contain any expiration date on its face so I believe it is worth {$60.00}. 

I sent the money order to MoneyGram expecting a full refund. Instead, I was sent a {$6.00} refund check after exorbitant deductions were made for a {$18.00} processing fee and a {$36.00} service charge. Their refund check is a joke.
Product: Credit card

Since XXXX was canceled XXXX XXXX XXXX by XXXX, GA XXXX. XXXX XXXX XXXX company ; for most XXXX XXXX, continues to charge my American Express Credit Account with American Express ( AMEX ) permission. American Express has ignored & declined my requests to stop XXXX XXXX deduction from my account. $ XXXX Monthly Deductions starting XXXX XXXX XXXX, were increased to {$10.00} Monthly deductions starting on XXXX XXXX XXXX ( without authorization ). 
AMEX Account was charged {$29.00} for XXXX Transfer Fee denied by the XXXX, AZ location, anct of FRAUD by XXXX XXXX. As of XXXX XXXX to XXXX XXXX XXXX has charged my AMEX account {$270.00} with American Express Permission, ignoring & denying my request to stop XXXX XXXX Deductions from AMEX account. XXXX XXXX Payment is coming. 
AMEX no longer allows Customer to file complaints on the AMEX website ( due numerous complaints being filed against AMEX )