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

My Son tried to deposit XXXX into our Bank of America checking account via the ATM machine. As he went through the process he clicked deposit, selected cash and then it stated please insert up to 75 bills. He inserted the money and the machine stated counting it and then it stopped and then made a clicking noise, then a message popped up and said system error do you wish to continue and he click yes and it froze so he clicked no thinking it would return the money but it did not open or return the money. Another message popped up that this atm is experiencing technical problems and is unable to return one or more deposits items. We apologize for the inconvenience. A record of this will be printed. To help us correct your deposit please enter the approximate amount of the cash deposited. He input XXXX and a receipt printed for {$300.00}. I called the bank around XXXX and filed a claim and the rep stated only XXXX deposited and he would do a provisional credit in my account for XXXX and it would be available in 24 hours. he said if any problems they would contact me if they needed additional info. After we hung up, I immediately logged onto my account and it said my account was in the negative XXXX. I called the bank back and the rep told me that she see the credit pending for XXXX and the XXXX is available. I told her that i see my account in the negative and she said yes she see that which is weird. She put me on hold and called the fraud dept to see why my account was closed for fraud. They would not speak to me and they told her that my account had fraud activity. I eventually spoke to a rep from claims, customer service and the risk depart. The risk department told me that my account is froze and will be closed in 48 hours for invalid deposit. I asked what does that mean and why is my account being closed because the atm was experiencing issues. the rep told me that they have a monitoring company who checked and that my son committed fraud and did not deposit no money at all in the account and thats why my account is in the negative and I will not get my money back. Nobody could explain how any of this was verified they said they were not going to the atm to check the tape or look at the cameras because it was a fraudulent deposit. I need my money and i need them to research what happened and why they closed my account stating fraud. that is false accusations.
Product: Credit reporting or other personal consumer reports

I have ( 4 ) inquiries on my credit report that I did not authorize. 

Company : XXXX XXXX XXXX via XXXX XXXX Date : XX/XX/2023 Company : XXXX XXXX XXXX  via XXXX XXXX Date : XX/XX/2023 Company : XXXX XXXX XXXX via XXXX XXXXXXXX XXXX Date : XX/XX/2023 Company : XXXX via XXXX Date : XX/XX/2023 I have filed an identity theft report on this.
Product: Debt collection

This is not a debt that I'm aware of. I'm unaware of what expense 's the total amount due is for. I have tried to contact agency, but was recently told it changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX To Whom it May Concern : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX
Product: Credit card

I summited reports for a chase freedom unlimited card that was opened in my name. I provided a police report and an email conversation who I think opened the credit card and they said that it was not evidence even when it was. I am a XXXX individual and I can sometimes be taken advantage of
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Is reporting inaccurate, out dated personal information on my credit profile. They're reporting : Incaccurate Name Inaccurate Date of Birth Inaccurate Address Inaccurate Employer
Product: Debt collection

Back in XX/XX/XXXX /XX/XX/XXXX i sent out a letter to XXXX XXXX XXXX XXXXequesting for Validation of this debt that is reporting on my credit report. 
The company XXXX XXXX XXXX, which i hold no contract/no hand signed contract with nor have received services from, reported a collection account against my social security number in the total amount of {$780.00} with XXXX, XXXX, and XXXX credit reporting Bureau. I have requested verification of the debt and account, however the business failed to provide adequate proof. Considering that XXXX XXXX XXXX does not have a contract with me for goods or services they have provided nor have they provided adequate proof, I am not obligated to pay for the alleged debt.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redness for these violations.
Product: Credit reporting or other personal consumer reports

My ex girlfriend XXXX years ago had my Social Security and I believe that it XXXX have been leaked because I have seen some credit report that do not belong to me and I am unfamiliar with
Product: Debt collection

On XX/XX/2018 at XXXX we received an automated call from CAPITAL ONE to call back at XXXX. The automated call does not offer the option to connect to an operator and we have no information what number is being dialed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Act, everything has to be 100 % accurate on my credit report. The credit bureaus said my accounts were properly investigate ; however, there are many inaccuracies such as date opened, number of months ( term ), payment status, and last reported date. This is grounds for removal and they have also violated my rights under 15 U.S. Code 1681. Please remove XXXX Account # XXXX Thank you, XXXX XXXX
Product: Student loan

I submitted a request in XXXX to change my income-driven repayment plan to the XXXX plan. I waited a few weeks, and after hearing nothing from Aidvantage ( not even a confirmation of my requested change ), I grew concerned. I found out XXXX that their processing time is a ludicrous XXXX business days, and that I may have even accidentally reset my time by " applying '' again when I tried to certify my income on ther website. 

I am making just above minimum wage, living paycheck to paycheck, and even after proactively trying to adjust my payments a month in advance, I'm now being punished for their incompetence and I'm obligated to pay upwards of {$400.00} per month. 

I have explored all of Aidvantage options to delay a payment, but do not qualify for any. Even if I did qualify, their processing time is so long, who knows when it would ever go through and the financial relief would actually be reflected? This system is ridiculous and poorly operated. I tried to call and reason this with someone, but after being on hold for an hour, I gave up.
Product: Mortgage

A 1099-C was received in XXXX of XXXX, stating that {$60000.00} of mortgage debt was cancelled on XX/XX/XXXX. The monthly mortgage statement do not show this amount removed from the outstanding balance of {$43000.00} as of XX/XX/XXXX. Shouldnt this have left a credit on the account?. 

Fifth Third accepted a Michigan Homeowner Assistance Fund Grant for {$25000.00} in XXXX of XXXX. 

Two Loss Mitigation applications have been submitted per Fifth Thirds request. One in XXXX of XXXX and another in XXXX of XXXX. 

Each time I call Fifth Third for updates and assistance, I received conflicting information. 

Since the Federal Government has been notified that {$60000.00} of debt has been cancelled, I would like to know why is not appearing in my monthly mortgage statement. 

I am a single mom with XXXX kids, XXXX of them were born with a rare type of XXXX XXXX called XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The care of my children is very complicated and a 24 hour job. Both of my children are XXXX  they use XXXX XXXX since they were XXXX XXXX XXXX. This home is a necessity for my family, is handicapped accessible, many charities organizations have helped me renovate the kids bathroom to make it accessible as well as ceiling lifts in their rooms since my daughter is XXXX XXXX and need to be lifted several times a day for brief changes, baths an all the care they need. I can not emphasize enough how important this home is for my kids and myself, as it is this is an exhausting job, I can not imagine living in a house with steps and narrow door entrance. I need your help. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

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


XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX US Dept of EDXXXX : 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. 1681-2 ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I asked that my account be updated as it was showing that it hadn't been reported since XX/XX/XXXX. I pay this account every single month and am up to date on my payments. on XX/XX/XXXX, TranUnion deleted my account because they weren't able to reach the creditor and dropped my credit score by almost 100 points. I contacted them and they advised me to contact the creditor directly and ask them to resubmit the account. They stated that they will not do anything further because they already report it each month. Even though it wasn't showing as reported since XXXX. I called TransUnion again and they said they tried to reach out to them electronically with no response and they deleted it. I contact XXXX XXXX ( creditor ) and they stated that they do what they are supposed to. I spoke to the owner and he stated that there is nothing wrong showing on their end. I advised him that all Transunion is asking that they call and add the account back on and verify. He refused saying he does what he is supposed to do and that's all he is required to do. this was all via email in writing.
Product: Student loan

1. General Revenue Service has charged me outrages fees that were added to the loan each time I was late. In all, GRC has added more than {$4500.00} in fees to my loan. I believe GRC conducts predatory lending practices in order to add to the load to make it easier to transfer to different lender 2. Between XXXX and XXXX, I was employed at a XXXX XXXX in the XXXX XXXX in XXXX XXXX. Arizona, Working in this area qualified me for a loan forgiveness program, Under this program, I XXXX full-time for XXXX complete and consecutive academic years and was an XXXX XXXX XXXX in a XXXX XXXX that served low-income families. my former district filed the paper work on my behalf, but the student loan services agency did not process it. I am reaching out to you because I have made many attempts, both via the phone and in writing, to communicate and try to settle this matter, with Navient and GRC but was not successful
Product: Credit reporting, credit repair services, or other personal consumer reports

Listed below are many letters i sent ( Most Certified ) regarding inaccurate and unknown things on my credit report. To this day ( 2 months 17 days ) later I have not received a proof these are my accounts other then automated ; we validated and meets FCRA regulations. I feel I am being taken advantage of and being ignored by my disputes. I have called them and told them they have the wrong XXXX XXXX. I am NOT a carpenter. I do NOT own a carpenters business. These XXXX and XXXX cards are XXXX XXXX Merchant Carpenter Improvement cards. I called XXXX and XXXX who said I XXXX to talk to XXXX and both those do not know who I am. Section 611 ( a ), it is plainly stated that a failure to investigate these terms within 30 days AND put Disputed on my Dispute Status ( attaching credit report from XXXX showing Dispute Status : -- -- Account not disputed listed on all 3 XXXX account, XXXX account & XXXX XXXX Equifax : removed from XXXX & XXXX already ) gives reason to remove these items from my credit report. It has been over 60 days so these should be deleted PROMPTLY. I demand these accounts be deleted immediately or I will file for ligation which intent to sue was already sent due to the stress they caused me. my information was also impacted by all 3 Bureau 's data breach and may have gotten into the hands of the wrong person. 
I have sent a Validation certified letter to XXXX and XXXX. All i got back was a BILL saying I owe this and that. Per the FCRA they to present the Original Contract with MY Wet Signature and they did not ( also being attached ). This is why I know the Bureau 's have not validated anything because the Creditors could not validate anything to me!
Product: Credit reporting, credit repair services, 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 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

We filed Chapter XXXX on XX/XX/XXXX. Toyota was included in ChXXXX and was paid in full through BK. They are reporting a balance due after the filing date and the discharge date of XXXX and 'late ' payments in XX/XX/XXXX. The 'balance due ' is the inflated interest they were trying to charge us prior to filing ChXXXX. 
Toyota is undermining our credit and enabling themselves report further into the future. 
Attached are screen shots from XXXX.
Product: Checking or savings account

On XX/XX/21 I noticed that my debit card kept declining. It was the evening time when I logged into my online account and noticed it said my debit card had been closed. The next morning I called and customer service gave me another number because they didn't understand what was going on but continued to tell me that on XX/XX/21 they were closing my account completely. I was in shock and she could not tell me why they were closing the account but gave me this statement that was given to me by everyone I spoke to on today, XX/XX/21. I called the number and they said oh we don't know but PNC doesn't have to tell you why we are closing your account. I have several bills that come out of that account as well as my direct deposit. I have been a customer of PNC Bank for almost 15 years so the least they can do is tell me why they're closing my account. I am disgusted that they would treat a long time customer like this. I also went into thE branch and the lady looked through my account and said she seen no suspicious activity so she was just as confused as me. Please help.
Product: Debt collection

Central Credit Services continue to harass me over a {$100.00} balance owed on a workers comp claim. Work Comp has already said they are going to pay it. 
They do n't want to hear it. They keep insisting it 's my debt and give them my debit card or credit card so we can not have a further problem. They threaten to ruin my credit and continue to harass me all the time. They are ruthless.
Product: Credit reporting or other personal consumer reports

First Access XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX Subject : Request for Removal of Collection Account Dear Sir/Madam, NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

I am writing to request the removal of a collection account [ XXXX ] that has reported to the credit bureaus regarding a debt that was discharged in my recent bankruptcy filing. The bankruptcy case number is [ XXXX ] and was finalized on [ XX/XX/XXXX ]. 

As per the United States Bankruptcy XXXX, any debts that are XXXX in a bankruptcy case are legally forgiven and the debtor is relieved from any further obligation to repay them. Therefore, the collection account that [ FIRST ACCESS ] has placed on my credit report should no longer be reported as it is in violation of the Fair Credit Reporting Act. 

I kindly request that you promptly remove the collection account from my credit report to ensure the accuracy of my credit information and to comply with the law. Failure to do so may result in legal action being taken against [ FIRST ACCESS ] for violating my rights as a consumer. 

I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the collection account in writing. 

Thank you for your anticipated cooperation. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Opened a savings account with Penfed Credit Union, deposited {$50000.00} before the deadline and maintained it in the account past XX/XX/XXXX so I could receive the sign up bonus of {$750.00}, I called on XX/XX/XXXX to inquire about the bonus, they told me it could take up to 60 days from the date of completion ( XX/XX/XXXX ) and told me to call again if I don't receive it within said time frame, the bonus is still not deposited into my account as of today XX/XX/XXXX so I called again and they told me they will " investigate '' what the issue is, but it didn't sound promising to me.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   corrected my payment history on all accounts with them they took all delinquent payments off. Transunion took the delinquent payments off but keep putting them back on there I contacted them due to the issue and they wo n't fix it I will provide picture proof with this complaint
Product: Credit card or prepaid card

Opened a XXXX XXXX XXXX XXXX  card online and shipped to home. Tried activating it ( Account XXXX : XXXX ), submitted driver license via upload. Company denied activation for vague reason " We received your documents ; however, after further review we have determined that this new account can not be activated. According to our records, you had previously opened an account which has been closed. We can not proceed with the activation of this new account or reopen a closed account. '' I followed up " I never had an XXXX XXXX card. 

Please 1 ) Provide all details for the denial, including any information regarding prior cards you believe I have held.

2 ) Regarding any prior cards you believe I have held, please provide the exacts details of the closure and why relevant to opening this account.

3 ) Please provide a copy of the terms and conditions which give legal justification for not activating the account.

Please have compliance investigate and open the account after view or provide the details requested. '' There was a non-response the could not help and refused to investigate. The company has false information or obfusfacting to deny an actual investigation or providing information. This appears to be in violation of the law.
Product: Credit card

A lawyer representing the collection company contacted me via USPS in XXXX/XXXX/15. I contacted them via USPS XXXX/XXXX/2015 asking to validate the debt. Their response was intentionally sent to an old address even though they have my correct address on file ; they sent communication to me previously to my correct address. This is a stall tactic which I believe they utilize to prevent payment, arrangements, or settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$21000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Information reported in error or fraud ... numerous unauthorized inquiries on credit report.. request immediate removal... additionally several items reporting in error ... XXXX XXXX XXXXXXXX  reviewing my credit and attempting to purchase home ....