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

I deposited a check electronically into my bank American Express National Bank on XXXX, ck # XXXX for {$350.00}. I received confirmation check was received by bank. When I reconciled account at month end the deposit was not there, I contacted the bank and they told me I had a max limit of 5 checks per day ( I was never provided with any information about this maximum when I opened the account ). The bank claimed it declined the deposit, however the makers bank was debited for the {$350.00} funds. My bank told me to redeposit the check, which I did, and deposit was declined as a duplicate deposit. The makers bank ( XXXX XXXX ) has provided front and back of check showing it was honored and provided a tracing ID number for the transaction. My bank claims the tracing ID number is not valid and they have nothing else to offer me, basically offering no help in trying to resolve the problem. I have spent dozens of hours on the phone and on hold with my bank and they still claim it is not their problem, they have no proof of check every being paid even though XXXX XXXX has provided proof it was paid. This has been going on since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out I had a security freeze on my personal credit report and I sent in the right documents to prove my identity to get the security freeze lifted Experian head advise me to do so so I mailed it in and I received a experian report number XXXX - XXXX - XXXX For XX/XX/2020 .... all it says is a work we received a request to temporarily or  permanently remove a security Freeze from your personal Credit Report or for a personal identification number reminder. Our records indicate that your file does not display a freeze if you have any questions please contact us. Well when I tried contacting them there's no one to talk to you on their phone lines I tried I tried every which way now I can go on my phone there's no one to speak to they don't let you talk to anybody. I dont know what to do cause everytime i apply for credit it boots me automatically and saying on my credit disapproval mail letter my security freeze needs to be lifted. Im trying to rent a apt . How do i XXXX do taht with no options now ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been pretty consistent with paying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with o {$400.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. I've contacted the police locally and FTC. These items need to be deleted from my credit report : Ch XXXX Bankruptcy, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account XXXX, XXXX acct XXXX XXXX and transunion acct XXXX on transunion, XXXX, and XXXX XXXX XXXX.
Product: Credit card

On XX/XX/XXXX, I dined at XXXXXXXX XXXX XXXX  in XXXX XXXX, NV and paid with a Chase United-branded credit card ending in XXXX. 

After tax and tip, which I had to compute myself and write on the bill before signing, my bill was approximately {$480.00}. I did not get a customer copy of the receipt. However, a wildly different amount could not have escaped my notice at this time. 

Several weeks later, when I received my credit card statement, the actual amount billed was approximately double this : {$950.00}. 

After numerous attempts to reach the restaurant failed, I attempted to dispute this with Chase, who informed me that if I do not have my copy of the receipt, there is nothing they can do. Specifically, they have repeatedly stated that they will not even ask the restaurant for their ( merchant ) copy of the receipt. Moreover, they refused my request to escalate the dispute to arbitration. 

Chargeback policies aside, at this point Chase is insisting that I owe them {$950.00}, which I am confident that I do not. If I am not mistaken, the law requires anyone attempting to collect a debt to provide proof that such debt is owed, which they are refusing to do. So at this point it seems to me that Chase is attempting to illegally collect on this ( invalid ) debt.
Product: Credit reporting or other personal consumer reports

RE : TXXXX Block Request To Whom It May Concern, I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
INQUIRIES : XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX You are in direct violation of The Fair Credit Reporting Act ( Account name & # ), has violated several of my rights. 
15 U.S.C 1681 Section 602 A. Clearly states I have a right to privacy. 
15 U.S.C 1681 Section 604 A section two states a consumer reporting agency can not furnish my account without my written consent. 
15 U.S.C 1666B : A creditor can not treat a payment on a credit card account as a open-end consumer credit plan late for any purpose. 

Please remove these late payments and update this account immediately as you are in direct violation of The Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

I have had this prepaid debit card for about two years and I had always had suspicious about their reserve system when I had taken my mother out for dinner that costed * {$26.00} and " Card.com '' had taken out nearly {$80.00} which was held for several days. this happens infrequently. I had noticed some unexplained transactions/duplicate withdrawals from my account and asked if they could check into it? ( The SMS service just started working on my phone around two weeks ago ), so they didn't make anything easy to translate. I had even called and gave them a name and address to be referred to. I had changed my password to a near twenty character mixed Caps, symbols, etc a few weeks back and I actually received a similar email that same evening? I explained to them that where I don't have the same provided for my residency and my mobile service since I live outside of XXXX 's signal range. and that I use my family 's WiFi when aI  visit them,,,,, They have never given me any response to my security issues and they have shut down my card three times in the last week or so without any probable cause or explanation. now being XXXX, it's hard to get the XXXX XXXX   and even the XXXX XXXX XXXX materials all weekend after only yesterday telling them not to ever disable my card again unless I called and requested it? It appears that they are committing hate crimes either to avoid any legal responsibility or it is some personal vendetta which would classify it as a hate crime. I have no other income except what is on this card as for when I deposited $ XXXX to it yesterday there were no signs of it being deactivated for that alone speaks volumes. I was struck by a dislodged boulder in WV in XX/XX/XXXX and am in XXXX XXXX as I am seeing a XXXX  ( XXXX  XXXX XXXX ) and getting XXXX   XXXX and seeing a Dr in XXXX ky for my XXXX XXXX. I am supposed to visit her asap due to an XXXX  XXXX  XXXX  on my previous checkup last week but can not go or get anything due to these senseless sabotages of my only source of $ that I have since I've been without any income since XX/XX/XXXX. Again, I have both called and emailed them expressionally advising them not to ever deactivate my card again unless I called them and requested it as this has caused much trouble the other instances it has occurred. tx XXXX.
Product: Credit reporting or other personal consumer reports

I have a fraudulent inquiry for FEB/DESTINY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And I am not able to get contact with them.
Product: Credit reporting or other personal consumer reports

This is my OTHER 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 inquiries 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 XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I prepaid property taxes and am supposed to get a refund of escrow property tax collection from my mortgage company ( PNC ). I have contacted them several times and they have not submitted the necessary information to my local tax collector to begin the refund process.
Product: Student loan

Severe misallocation of XXXX payments for as long as I can see in the payment history from the servicer 's website. I ONLY noticed this with my most recent excess payment of {$1500.00} on XX/XX/2020, in which the amount was not applied as intended ( i.e., 100 % towards the loan with the highest interest rate ). To provide context, I'm paid ahead by several months AND I have a recurring automatic payment on the XXXX of the month to ensure that I'm ahead of any due payments, so any ADDITIONAL payments should be applied as I see fit ( which I specifically note in the custom allocation of my payment during the processing of said payment ) ; however, the loan servicer, Great Lakes Educational Loan Services, either intentionally or erroneously spread my excess payments out across several loans that have lower interest rates, which just makes my total payment across the life of all my student loans significantly higher. This is unlawful and is almost identical to the XXXX  misallocation of payment lawsuit. I have contacted the loan servicer multiple times about this, and I have yet to see a resolution.
Product: Debt collection

Regarding complaint responses XXXX ( XXXX/XXXX ) and XXXX ( Select Portfolio Servicing, Inc. ( SPS ). XXXX responded, " As referenced in our XX/XX/2019 and prior response letters, XXXX is not seeking a judgment with respect to the outstanding loan nor did XXXX file the Assignment of Mortgage that Mr. XXXX references. Therefore, XXXX is unable to comment on the allegations that Mr. XXXX outlined in his correspondence regarding SPS 's actions ''. If that is in case fact, then how do they explain why XXXX is on both the Corporate Assignment of Mortgage and Allonge To The Note ( attached )? This could only mean 1 of 2 things, XXXX continues to fabricate and is evading the truth, or SPS has used XXXX unknowingly/unwillingly/illegally! In addition, SPS continues to refuse to answer my questions regarding the gross and misleading errors in the XXXX which was erroneously filed ( as per my last complaint ). As fiduciary, I continue to reject any and all claims by SPS and XXXX ( XXXX ).
Product: Debt collection

I noticed this debt on my credit report and I do not have any knowledge of it or validation of this debt there was no contract signed or any payments made on this to this debt collector and I am not responsible for this debt from this collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently ( See attached Police Report ). I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One shows and inquiry on my credit report from 2017. I NEVER authorized this.
Product: Money transfer, virtual currency, or money service

I was scammed when I was trying to sublet my apartment. The scammer sent me a cashiers check for more than the rent. After I deposited the check, I sent them the difference of two via XXXX. Then the check I deposited turned out to be fake. I contacted Chase to try to undo the transaction and they said there was nothing they could do because I initiated the transaction.
Product: Debt collection

I have reached out to Midland Funding ( Encore Capital Group ) regarding a debt from an XXXX Credit card that was sent to XXXX XXXX  for collection. The debt was for XXXX XXXX  in the amount of {$1100.00}. The original account number was XXXX. My Midland Funding Account XXXX was XXXX. For some reason thay have changed this to XXXX. 

I paid the collection in full to XXXX XXXX ( XXXX ). XXXX XXXX received the new amount due {$1200.00} on XX/XX/XXXX. I received the receipt for the payment on invoice # XXXX. A letter showing the payment was made and a copy of a letter sent to the court to show the payment was made. I contacted Midland Funding and they redirected me to XXXX XXXX. I called back and spoke to someone who said they would reach out to XXXX XXXX and my credit report would be updated in 30 days. 

When the credit report was not updated I contacted Midland Funding and received a voicemail. I left 3 messages that were not returned. I disputed the collection with the 3 credit bureaus but was told I did not have enough information to have the collection removed. I contacted Midland Funding again, who tried to send me back to XXXX XXXX. They said that still have not received the letter from the law office, but will reach out to hem, once again. They will not let me send them the receipts. They claim these must come from the law office and when they are received my credit report will be updated. They claim to have reached out to XXXX XXXX twice already with no response. 

I contacted XXXX XXXX. They claim to have sent the information to Midland Funding. I contacted Midland Funding on XX/XX/XXXX via chat and spoke to XXXX XXXX. I was told a Cease and Desist was placed on my account and forwarded to another number. I spoke to XXXX XXXX who would not provide a last name ) at XXXX am XX/XX/XXXX who had me remove the Cease and Desist claiming I placed this on XX/XX/XXXX - which I did not do. I did however speak to XXXX XXXX at XXXX XXXX who told me that would reach out to Midland Funding that day to correct the issue. 

XXXX consistently spoke over me and I requested a manager. Then XXXX informed me that they had reached out to XXXX XXXX twice, it is in my records, but they have not received anything from them. After asking repeatedly what happened in that correspondence and told me they have been having technical difficulties and they are missing a code. I explained that I understand technical difficulties but 2 months, 10 phone call and 2 chats should have resolved this and I wanted to speak to a manager. He told me no mangers were available and I could call back in 1 hour.
Product: Checking or savings account

XX/XX/2018 Amount : {$340.00} Bank : American Express Made a purchase and the shipping address was different from the billing address. Call the bank to stop the transaction but stated it was on HOLD until they get more information. Refuse to put funds back on the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact the credit bureaus to do a review of credit report they did, but i did research and found improper even after they did review, the account numbers, in accordance with the fair credit reporting act XXXX XXXX  # XXXX XXXX, XXXX, XXXX are found to be improper, and violate my rights 15.u.s61681 section 602A section 2 : it also states that a consumer reporting agency can not furnish a acct without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting my report and they keep telling me that I cant get a free report until investigations are over. My consumer rights have been violated and demanding compensation.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX, XXXX XXXX, XXXX, 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 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 in months that was reported late 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 XXXX, XXXX XXXX, XXXX 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

On XX/XX/XXXX, I paid {$6900.00} for several months of mortgage payments. I was told when I made this payment, that my credit report would report " Paid as Agreed '' and that I was not going to be reflected late. My credit report now shows late. I have contacted the mortgage company numerous times via phone and email and have talked to numerous mortgage employees that verify the mortgage company reported this in error but the mortgage company has not corrected this issue nor have they contacted me. I simply am told " we see this in the notes, this is in error and we will look into correcting it and get back with you ''. I am reaching out to you to see if you can assist me in this matter.
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft and I have disputed the XXXX XXXX account on my credit report numerous times and it has yet to be removed. I filed a report on identitytheft.gov also and provided proof of me filing the report. All of the credit bureaus are refusing to remove the account from my credit reports. There was another account that was opened fraudulently around the same time, when filing my complaints I did them together at first and they did remove the XXXXXXXX XXXX that was a result of identity theft. I just am not underwing why they will not remove the XXXX XXXX XXXX. I have done everything that I needed to do to prove that that is not my account.
Product: Student loan

I went to the XXXX XXXX XXXX XXXX XXXX XXXX, and was severely overcharged for a total tuition of around $ XXXX. They added on additional classes that were not part of the agreed curriculum I signed up for, in addition to receiving minimal instruction/education to perform less that the minimal functions in my area of study. My demo reel is not up to industry standards ( due to failure of instruction ), yet was approved by instructors. I did not receive job placement assistance, and have been unemployed ever since graduation.
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries were obtained by XXXX on XXXX and XXXX, and by XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX also obtained an unauthorized inquiry on XXXX. I am filing a police report and need to correct my personal information, which contains multiple incorrect names and addresses that are not mine.
Product: Credit card or prepaid card

Subject : XXXX ( Cabelas ) account # XXXX To whom it may concern : I have attempted to contact Cabelas on multiple occasions both telephonically and through correspondence. It is appalling do be ignored and treated like I do not exist. The unresponsiveness of Cabelas is not only demoralizing ; its a travesty of justice. I have requested to have my APR reduced, late fees removed, and any extension of my promotion on this account. 
To date, I have not received any response and I would like action taken immediately! 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account XXXX : XXXX This Account is inaccurate and seeking litigation please delete it once 3. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 4. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 5. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once