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

Here is the third letter that I have written to Zipline. It explains the situation. I also wrote XXXX and asked for their assisantance in resolving this matter too. 

This is the third letter I have written you and have not received any response. I know you received my letter because you cashed the enclosed check. When you cashed the check on XX/XX/19, I assumed that the matter was resolved. I was surprised to get a call a few days later from XXXX saying I still owed {$80.00}. I told them that I resolved the matter with Zipline and they cashed the check to put my account back on good standing. They said that it was only a partial payment. I asked them to call you but they refused. 

As you may recall, I was a victim of XXXX. I had to temporarily freeze the account until I resolved the issue. I worked with XXXX XXXX and the got all the transactions resolved except one. You can imagine the work involved in reviewing all your transactions and calling the companies to get them resolved. They all understood and waivered any fees associated with the freeze on the account and reprocessed the transactions. 

Zipline was the only outstanding issue I needed to resolve. I was relieved to see that you cashed the check and consented to waiver the fees as per my letter and instructions. When I looked deeper into the check and saw that you altered the check by adding their name to the Payee field. The check was made out to Zipline and you added XXXX. I dont believe this is legal and certainly not ethical. I have tried to resolve this issue in good faith but have been unable to. You have not responded to my letters. 

At this point, I believe we need to go to arbitration. I dont want to do this but based on your lack of response, I dont see any way forward. I am a XXXX XXXX and can not afford any cost arbitration costs. Please inform me of the next steps. 

My account number is XXXX. My reward card number XXXX. Being a victim of XXXX is not fun and I am hoping you will work with me to conclude this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Union Bank is operating a sneaky ruse to get people to open credit card accounts. They offered a balance transfer from a current credit card to a new credit card with their bank at 0 % interest for, I believe, 15 months. So I asked that XXXX of debt be transferred. Well, they didnt transfer any of my debt, but opened a credit card with a XXXX available credit. I wanted a balance transfer for XXXX or bust. Sure, they are now willing to close the account, but this opening and closing of a credit card is not good for my credit rating, and I resent them opening an account different from what I applied for. They didnt even transfer the XXXX available credit they awarded me. It was all just a ruse to get me to open a new credit card!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is incorrectly reporting the status of the auto loan that I had with them. It is reporting that the account is 30 days past due. It has knocked my credit score down XXXX points. I did a voluntary repossession on the vehicle on XX/XX/2017. The vehicle was not 30 days pass due. I also got a voluntary repossession letter from XXXX XXXX I enclosed a copy. I spoke with XXXX at the customer service site and XXXX the manager at the location I originally purchased the vehicle from.
I have had nothing but in Going issues with XXXX XXXX. From my payments being recorded and reported properly. To them being disrespectful, hanging up on me and refusing managers and supervisor. I have on recording them lying about my account details and so forth also included with complaint. I would like the status of my credit report updated. I did a voluntary repossession on XXXX. That 's what the credit report should say. I HAVE NEVER BEEN 30 days late with this loan and it should n't be reporting as so. This is defamation of character and slander of my credit report. I feel this is all done intentionally. I tried everything to prevent this. Even taking the car directly to XXXX XXXX corporate office at XXXX XXXX XXXX XXXX XXXX, XXXX, KS ; and also calling XXXX over at the independence office XXXX XXXX XXXX XXXX XXXX. I would like my credit report updated immediately. This is affecting my credit poorly and is very illegal.
Product: Mortgage

I recently refinanced my mortgage, transferring the loan from Pentagon Federal Credit Union to another credit union. The closing took place on XX/XX/XXXX and I was expecting the release of my escrow and refund of overpayment of the payoff within a matter of weeks but as of XX/XX/XXXX I have not received either refund. It seems to me that Pentagon Federal is holding my funds for the float rather than returning them to me in a timely fashion. Attempts to rectify this with PenFed were unsuccessful and when I reached out to the title agent, they informed me that PenFed actually processed the incoming wire a day after receiving it, triggering an unnecessary day of interest. 

My title agent suggests PenFed is notorious for doing this. 

Documents can be provided as necessary.
Product: Credit reporting or other personal consumer reports

I couldnt believe it when I saw incorrect accounts on my credit report tonight. I check it often, so I was taken aback when these errors just showed up. I even tried refreshing the page to see if it was an error on the site, but they wouldnt go away. Because of this, Im urgently requesting that my documents be reviewed carefully so I can stop worrying about these issues.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX Balance Owed : {$28000.00}
Product: Checking or savings account

My account was closed with no notification. I have no idea why it was closed. I still have money in the account.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX  - XXXX - XX/XX/XXXX - {$480.00} XXXX - XXXX - XX/XX/XXXX - {$2500.00}
Product: Credit reporting

EQUIFAX IS REPORTING FALSE AND DAMAGING CREDIT INFORMATION. 
XXXX DEPT. OF H XXXX, is a fraudulent account en toto.I have never paid them anything.When I contacted them they said they were going after the filer for fraud, yet they have created this false record ... .all the while I had a contract for child support, for the same children in XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, my SSDI deposit was posted to my Upgrade Card, a subsidiary of XXXX XXXXXXXX XXXX immediately thereafter my account was locked and labeled as restricted or suspended. I have inquired everyday since then, and by phone, email and chat, I get the same answer '' that my account is locked by their fraud dept to review for possible violations of user agreement.i have reviewed my transactions, and they are no different than any other account I have ever used, but they will give me no answer as to the length of this so called review., after 15 days, my account is still locked, all my bills are late and I'm about to be evicted. I stressed that to upgrade but still no recourse. I Need HELP PLEASE!!! 
This is beyond a courteous timeframe to hold funds from a fixed income XXXX Veteran. I even asked them to close my account and send my funds to my address but this company will not release my funds. A few other deposits have gone in since this restricted account status and they too are held. My balance of {$1600.00} is alot if money to get held up. I'm out of food my lights water and gas are getting shut off. I have eviction notice. Please help!
Product: Checking or savings account

My car was used without my permission! *unauthorized*. Now I can not pay my bills this is very unfortunate and has me facing eviction!!! I am a loyal consumer please help me they cant hold my money I AM FACING EVICTION WITH A XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS IN RELATIONSHIP TO COMPLAINT # XXXX THAT WAS FILED ON XXXX/XXXX/XXXX. THIS WAS FILE AGAINST XXXX DUE TO I DID NOT AUTHORIZATION THEM TO LOOK AT MY INFORMATION IN MY CREDIT PROFILE. i HAVE SENT SEVERAL LETTERS OUT TO THIS COMPANY ASKING THEM TO VERIFY BY SENDING ME THE ORIGINAL SIGNATURE THAT SHOW I SIGNED FOR THEM TO LOOK AT MY CREDIT PER THE FARE CREDIT REPORTING ACT. FINGER HUT HAS FAILED TO COMPLY WITH MY REQUEST. AND IS IN VOLATION OF THE ABOVE MENTION ACT. XXXX MUST REMOVE THIS OFF MY CREDIT PROFILE NOW. FOR FAILURE TO PROVIDE THIS INFORMATION UPON MY REQUEST.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( XXXX CARD ) Account # XXXX, has violated my rights. 

Balance {$2000.00} Date opened XX/XX/2019 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
Product: Checking or savings account

M & T BANK HAS CHARGED OVERLY EXCESSIVE FEES TO MY CHECKING ACCOUNT IN THE LAST XXXX YEARS, INLCUDING {$6000.00} IN XXXXXXXX {$3500.00} IN XXXX AND CLOSE TO {$1000.00} IN XXXX ( ALL PRIOR TO THEIR NEWLY REDUCED FEES STRUCTURE IN XXXX. ) I HAVE PREVIOUSLY REQUESTED IN WRITING IN XXXX, XXXX AND VIA PHONE CALLS TO M AND T BANK SEVERAL TIMES DURING THE PERIOD THAT AN " AUDIT '' OF MY CHECKING ACCOUNT BE PERFORMED. MY WRITTEN REQUEST WAS NOT ACKNOWLEDGED AND WHEN I CALLED TO QUESTION FEES, I WAS TOLD THEY DO NOT PERFORM AUDITS. ALTHOUGH THERE WERE A FEW INSTANCES THAT FEES WERE REMOVED FOLLOWING MY CALL, BUT AT NO TIME WOULD ANYONE AT M AND T BANK AGREE TO REVIEW MY ACCOUNT IN TOTAL TO DETERMINE THE ACCURACY OF FEES. .ADDITIONALLY, MY CONCERNS FOR THE WAY MY ACCOUNT WAS BEING ADMINISTERED BECAME ESCALATED WHEN OUR ACCOUNT SECURITY WAS BREACHED. A FRAUDULANT CHECK WAS CREATED, MY SIGNATURE FORGED AND CHECK WAS CASHED IN THE AMOUNT OF {$2500.00}. THIS BREACH WAS FOUND BY ME, NOT M AND T IN XXXX, XXXX. THE FRAUDULENT CHECK CLEARLY HAD RED FLAGS THAT M & T SYSTEM DID NOT CATCH. IT WAS DATED XXXX, XXXX WITH A CHECK NUMBER NOT USED IN SEQUENCE AND NOT CASHED UNTIL FUNDS AVAILABLE IN XXXX, XXXX THE {$2500.00} WAS REFUNDED FINALLY IN XXXX, XXXX ( MORE DOCUMENTED DETAILS ON THIS ISSUE ARE AVAILABLE. ) I AM MAKING THIS COMPLAINT NOW BECAUSE M AND T BANK WILL NOT TAKE ACTION ON MY REQUESTS TO REVIEW THE EXCESSIVE AMOUNT OF FEES ( OVER {$10000.00} FROM XXXX TO THE PRESENT ) THEY'VE WITHDRAWN FROM CHECKING ACCOUNT OVER THE LAST FEW YEARS. ACCOUNT FEES APPEAR TO BE MAXIMIZED BY THE BANKS SYSTEM FOR POSTING DEPOSITS AND WITHDRAWALS AND HAVE BEEN IMPOSED WHEN I HAVE AVAILABLE FUNDS AT THE TIME OF A PURCHASE, BUT HAVE A REDUCED OR NEGATIVEBALANCE ONCE M & T SETTLES THE TRANSACTION. THERE ARE ALSO MANY INSTANCES WHERE MULTIPLE FEES WERE WITHDRAWN IN XXXX DAY.
Product: Credit reporting or other personal consumer reports

Transunion not completing the dispute investigation. I received a email from them today XX/XX/year>. that they canceled the investigation upon my request. I made no such request. They do not conduct their own investigations just simply rely on the creditor to verify and say the information is accurate.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting

I contacted the credit reporting bureaus on XXXX/XXXX/2015 and till this date i have not heard back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple Accounts on my credit report that do not belong to me I have not opened these accounts I have not signed or approved these accounts. I have tried to reach out to the bureaus as well as the furnishers but they are not helping me they are not opening an identity theft report for these accounts I need help to get these unknown accounts off my credit report it is affecting me personally and emotionally. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX INQUIRY Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2019 Reason : I don't recognize this inquiry
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report, my FTC report number was XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent accounts which were being posted to my reports. Here is the list of items which do not belong to me or were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX. ) XXXX Balance : {$2400.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$1000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$31000.00} -- -- -- -- -- -- -- -- EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2400.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$31000.00} -- -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX 2023 XXXX XXXX XXXX NV XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX Balance : {$1400.00} XXXXXXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$31000.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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.
Product: Credit card or prepaid card

I was buying airline tickets on XXXX XXXX webiste on XX/XX/XXXX. When i was ready to pay an offer came through on the web page that if i apply for the american express delta skymiles credit card i would get {$400.00} off as statement credit after spending {$2000.00} dollars in the next 6 months. I went ahead and applied for the card. I got approved instantly. I used that card to make several purchases upwards of {$8000.00} over next few months and i met all the requiremnts for getting the bonus of {$400.00}. 

I did not see the statement credit after 3 months of meeting all requirements. So i called Amex and they said that the bonus offer was denied even through credit card was approved by the acquisitions team without giving me a reason. Hence i will not get the bonus. I was not sent any communciation regarding this. 

I see this an an unfair marketing practice where amex lures in the customer, makes them use their card and does not even tell them if they were denied the offer they actually signed up for. The card should not have been approved if they were not willing to honor the bonus. There should have been a formal letter sent to me that this was denied. If amex has an issue with my credit history they should not ahve approved me for the card. 

Amex is engaging is cheating and unfair practices and luring in poor consumers like me. I started googling the same to understand if others have been cheated and it seems this is a common practice for amex. Of course, they ask us to look in the fine print. 

I have an excellent credit score and the only card i closed with amex was in XXXX because it was a student card that had hardly any benefits.
Product: Checking or savings account

I recently opened a new Chase XXXX account. Once it was open, using its mobile app, I made a mobile deposit of a {$7000.00} check. The mobile app said the funds would be available in XXXX business days. I made this deposit on XX/XX/year>. Shortly after I made the deposit, the funds were put on hold by Chase until XX/XX/year>. I called Chase to find out why the funds were being held when the app clearly stated the funds would be available in XXXX business days. They gave me no justification other than that it was a new account and that the contract allowed them to hold funds for any reason. I explained that I relied on the statement in the app that the funds would be available in XXXX business days. Had the app not said that, I would have not made the deposit as I needed the funds before then. They had no explanation other than that they couldn't lift the hold and couldn't reverse the transaction. They told me to have the issuing bank cancel the check. I explained that not only could I not guarantee that, but that it would also come with a fee. It took me over an hour on the phone and XXXX phone calls ( Chase hung up on me the first time ) to even get this little amount of information. It is my understanding that financial institutions must make funds available in XXXX business days unless there is good cause to hold them. There was no good cause in this case. It seems like a windfall to me because they likely have access to those funds to lend out without risk of me making a withdraw for the period they are holding them for. While this might only generate a small amount of revenue per transaction, over the course of millions of transactions, that is a significant amount of money.
Product: Checking or savings account

On XX/XX/XXXX my debit card with Navy Federal had been restricted for a year ( XX/XX/XXXX ) because of fraud on my account and a unauthorized person using my debit card. On XXXX XXXX the reconsideration that they did was that they were basically going to restrict my debit card access for another year. I had not been able to use my debit card for a whole year and I was looking forward to using my debit card and they restricted it again. All I want is debit card access to my account, thats all Im asking for.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these following accounts along with the account number have violated my rights. 

Account name : XXXX XXXX Account number XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account number : XXXX 15 U.C.S 1681 section 602 A. States I have the right to privacy 15 U.C.S 1681 section 604 A. States as well a consumer reporting agency can not furnish a account with out my written instructions
Product: Credit reporting or other personal consumer reports

The following inquiries are fraudulent and unauthorized by myself and need to be removed immediately.Iam hereby notifying you that neither on that date or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, having understood this is a violation of 15 USC 1681 ( B ) ( C ), Both together and separately my consumer and privacy rights are being violated. I would like for you to please remove these items from my consumer repor XXXX XXXX XXXX XXXX FACTUAL DATAXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit reports from XXXX, Experian, and XXXX I have seen that my remaining balance on my auto loan is reporting inaccurately. As of XX/XX/2023, the remaining balance of my auto loan reported on all three of my credit reports is {$20000.00}. I am disputing the inaccuracy of my remaining balance.
Product: Checking or savings account

XXXX XXXX for XXXX and I have a DasherDirect is a prepaid debit and mobile banking app for US-based Dashers, powered by Payfare. I have been trying since XX/XX/year> to have the documents Payfare used in determining the outcome of my dispute I made toward the merchant XXXX. I have made numerous complaints and have asked them numerous times to provide this documentation. There is not impossible because there is none and I should have been fully refunded.
Product: Mortgage

Select Portfolio Services ( SPS ) - my mortgage processor will not refund the overpayment of my paid off loan. SPS collected a mortgage payment after the loan was paid off on XX/XX/XXXX and they will not refund the money. The loan was overpaid by {$3500.00} for XXXX XXXX XXXX XXXX Ca loan/account number XXXX. I have called and sent letters SPS stole this money from me and will not refund it
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously I established an investigation of some accounts with erroneous information and after reviewing your response I received that some accounts are still incorrect, with a verified status. Please correct or delete the following accounts : XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance Owed : {$100.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance {$530.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$100.00} XXXX  XXXX Balance Owed : {$100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance : {$700.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance {$530.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance {$530.00} ; XXXX XXXX Balance : {$0.00}.