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

On Sunday, XX/XX/XXXX, I used the ATM at our local US bank to try and deposit {$5000.00} cash ( XXXX - {$100.00} bills ). The ATM took the money, showed us a series of error comments on the screen, and then kept the money but did not apply it to our account. That is a lot of money for me and my family. It is now XXXX, XX/XX/XXXX, I have called nearly everyday to get some kind of update on what is happening with this claim. I get different answers from different people about the process or what happens next or what I should do- the part that is the same is that the status is " in process '' and that we just have to wait. Responses ranged from go into the bank and speak to the bank XXXX ( she made me feel like I was bothering her ) to refusing to look in the comments section and share any information that might be in there ; telling me that I shouldn't have used the ATM for that much of a deposit ; telling me that I should probably see something in XXXX hours, by XXXX, by XXXX, by the XXXX ; explanations of why they're waiting for some report, email, message, third-party vendor ; that someone is actively working on it vs they're just waiting and there's nothing that they can do about it. Yes, they fairly consistently explained having to wait XXXX  days and that it can take up to XXXX  days. But this is not a {$20.00} mishap, this is a {$5000.00} deposit. How hard can it be to find it? How often does a {$5000.00} deposit go missing? Why does it take 10 days to figure it out? It all seems incredibly unreasonable and unfair to the customer. What if they dropped off their car at the tire shop to get new tires and they told them that they couldn't have their car back until 10 days because no one has a record of them dropping off their car and they'll have to investigate it - it's a car?!? My bank is saying that they don't know where the money is - that is their job - and they can't find it for up to 45 days. It just doesn't make any sense and we need some help to get our money issue resolved. We need some sort of update - who is working on it, what have they done, what is left to be done. Would it be so hard to say this is the XXXX step process, you are now on step XXXX or XXXX or her is XXXX XXXX he is currently/actively working on your claim and he can tell you exactly what has been done to date and what he's doing now or will do next. I don't understand what happened to transparency or customer service. The feeling/impression that I get is that they don't care, it will get resolved whenever they get around to it, I should just shut up and wait.
Product: Credit card or prepaid card

See my previous complaints. I had asked to move my due date to the XXXX. They said it could take 2 business cycles. I logged on today to see if there were any updates. Now they claim there is no record of it. 
See the chat below : YouXXXX XXXX and also i thought they were changing the due date Do you want to also change the due date on your account? 
YouXXXX XXXX yeah i applied last month XXXX XXXX I see that, currently your account status is Past Due, so you wo n't be eligible for changing the due date on your account. 
YouXXXX XXXX they alredy put it in YouXXXX XXXX didnt they?

XXXX XXXX I see that the current due date on your account is the XXXX of every month.

YouXXXX XXXX and nothing about the request I made in XXXX?

XXXX XXXX No
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in Direct Violation of The Fait Credit Reporting Act ( Capitol One Account Number XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am writing regarding inaccuracies I found on my credit report concerning my XXXX XXXX After reviewing my report, I noticed information that I believe does not comply with federal laws under the Fair Credit Reporting Act ( FCRA ). Specifically, I would like to dispute this account ( XXXX ) under FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ), as well as 15 U.S.C. 1681c-2.

I believe the XXXX XXXX XXXX XXXX  ) listed on my report is inaccurate, and I am requesting an immediate investigation and removal of the information from my credit report. Section 605B grants me the right to dispute accounts due to identity theft or erroneous information, while Section 615 ( f ) and 623 ( a ) ( 6 ) emphasize that information provided to credit bureaus must be accurate and complete. Under 15 U.S.C. 1681c-2, this information must be corrected promptly.
Product: Credit reporting or other personal consumer reports

ON XXXX XXXX. I RECEIVED MY CREDIT REPORT FROM XXXX AND IN THE SUMMARY REPORT SHOW THE DIFFERENT ITEMS FROM XXXX XXXX XXXX, XXXX CREDIT BUREAU, EQUIFAX INFORMATION SERVICES LLC. 
UNDER 15 U.S. CODE 1681CONGRESSIONAL FINGS AND STATEMENT. CLEARLY WITH THE SUMMARY ENCLOSED YOU WILL SEE THE DIFFERENT BALANCE FROM ALL THRE CREDIT BUREAUS. 15 U.S. CODE 1681-2- RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES. A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWSOR HAS REASONABLE CAUSE TO BELIEVE THAT INFORMATION IS INACCURATE. A SUMMARY OF MY RIGHTS UNDER THE FAIR CREDIT REPORT 9IMOSES RESPONSIBILITIES ON ALL FPERSON WHO FURISH INFORMATION TO CONSUMER REPORTING VIOLATION OF 15 U. S. CODE 1681 THE INACCOURATE INFORMATION HAS IMPACTED MY CREDIT REPORT THAT I CAN NOT APLY FOR ANY CREDIT CARD. THE FALSE REORTING FROM XXXX XXXX, XXXX AND EQUIFAX HAS AFFECTED MY CEDIT REPORT WHICH HAS CONSEQUENCES OF ERRONEOUS ENTIREIES ON MY CREDIT REPORT IS MISLEADING UNDER ( FCRA ). THIS INACCURATE REPORTING IS AFFECTING MY EMPLOYMENT OPPORTUNTIES OF GETTING HIRED FOR BETTER POSITIONS.
Product: Student loan

I am part of the XXXXXXXX XXXX XXXXXXXX lawsuit 's automatic relief group, specifically addressing my case with XXXX XXXX XXXX through the CFPB. I reached out to XXXX  to request the school misconduct form, but they informed me that I wouldn't qualify since my loans are federal. However, given the circumstances of the XXXXXXXX XXXX XXXXXXXX lawsuit, I believe I should be eligible for a refund. I have paid over {$10000.00} to XXXX, and if these loans were federally funded, then XXXX  should issue a refund for the amounts Ive paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it my concern, I was recently report for 90 days late payment by Bank of America. I have not been late for any of my payment in the last 10 years. Please advise, ..In accordance with Fair Credit Reporting Act this creditor has violated my rights under 15USC1681 section 602 states, I have a right to privacy. 15USC1681 Section 604A Section 2 also states consumer reporting agency can not furnish an account without my written instructions. Under 15USC166B a creditor my not treat a payment on a credit card account under open consumer plan as late for any purpose. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a data breach on XX/XX/XXXX, which contained my personal, sensitive data potentially including my social security number, bank accounts, credit cards, etc. However, Equifax did not announce the data breach until XX/XX/XXXX. 

After providing the necessary information in their website www.equifaxsecurity2017.com, it was confirmed that my data was impacted by the data breach.
Product: Checking or savings account

Dir Sirs, In response to my previous complaint letter, COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019, one of the Chase Bank representatives contacted me by phone. He asked me a number of identifying questions, which I answered to his satisfaction, to be sure of my identity. He informed me that I would shortly receive an answer to my complaint. 
The letter I subsequently received included the following statement, " Please contact us directly at XXXX so we can verify you. We have notated your account so we can make another attempt to verify you. 
I called the number as asked, and attempted to verify myself. I was told by the representatives, first by XXXX, and then by his supervisor XXXX, that they can not verify by phone, because I do not have a social security number. 
Im sure you can understand that this is both very vexing and surprising. It was known that I am not in the U.S.,  nor do a have a Social Security number, yet their suggestion to solve my problem was to call to be verified. 
As my account is paperless, my only access to it was via my online access. For all practical purposes I am severely restricted. I cant even know my account balance! 
Im sure you understand that asking me to fly from XXXX to the U.S. is an untenable request. I urgently need your assistance and intervention. How can this be resolved? 
Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tel : XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX  Account # XXXX Date opened XX/XX/XXXX Bal. {$6500.00} XXXX XXXX XXXX Account # XXXX XXXX  Date opened XX/XX/XXXX Bal. {$0.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, late payments, charge-offs, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

An account was opened in XXXX of 2017 and it was not authorized by me and it is currently closed. I have been trying to get the situation resolved since then
Product: Credit card or prepaid card

Genesis Financial Card Services website for Indigo is not registering payments in a reasonable amount of time and charging late fees even when payments are made early. My complaint is that the Indigo Card website serviced by Genesis Card Financial Services does not register customer payments in a reasonable amount of time. The customers credit card payment does NOT reflect in payment history or transactions after the payment is made. It does not show within XXXX hours either. As of today ( XX/XX/22 ) - my Indigo Card payment that I made on the website XXXX days ago for the entire balance ( {$290.00} ) is still not showing as made ANYWHERE on the Indigo website. I made a payment at XXXX on Thursday XX/XX/22 ( paid entire Indigo balance in full {$290.00} ) and as of today - XX/XX/22 - the indigo website shows NO PAYMENT made- even though I received a payment email confirmation from Indigo on XX/XX/22. The website shows today ( XX/XX/22 ) my payment is late! I received an email today from Indigo also saying the payment is late and not received. ( Conflicting with the previous payment confirmation email I received on XX/XX/22 from Indigo ) The minimum payment for my Indigo card was due XXXX I made the full balance payment ( {$290.00} ) on XX/XX/22 at XXXX ( Thursday - a business day ) and I received a late fee today XX/XX/22 and my statement closed showing no payment was made. I made the payment XXXX day before the due date ( on a Thursday ) and it does not show on the payment history today ( Saturday- XXXX days later ) - and now shows late on the website as of XX/XX/22. I do have the email from Indigo on XX/XX/22 showing they did receive my payment {$290.00} at XXXX. I also have an email from Indigo today XX/XX/22 from saying they did not receive a payment and its late. This is a HUGE issue! And they charged me a late payment charge! I complained previously to CFPB and Genesis Financial Card Services responded that this did not happen.. its happening again!! Please help!
Product: Money transfer, virtual currency, or money service

XX/XX/22 - PayPal advertised to me on their main webpage after I had logged in that from a transaction that was approximately {$10000.00}, that {$4000.00} was available for instant withdrawal ( within 60 minutes and for a fee of 2.5 % of the transaction equaling {$60.00} ). PayPal failed to deliver the funds and basically threw every excuse they could at me, from blaming my back for this issue to saying they didn't know I had a new account although they had no trouble placing automatically placing a hold on the approximately {$10000.00} that was received. 

Although Paypal purports to do this for their customer protection, they had no issue in taking their % fee from the transaction as soon as the funds were received in the accounting. 

I believe in providing deceptive advertising Paypal violated various CFPB regs and dealt in bad faith as an unfair trade practice and is in breach of the covenant of good faith and fair dealing. 

I have the phone recording if there is a way to share them I would be more than happy to. 

Highest supervisor point of contact that was unwilling to help : XXXX - XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX has ERRONEOUSLY reported late payments for the months of : XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017 & XX/XX/XXXX. I have contacted XXXX and they confirmed the received of my payment for those months and the late payment remarks have not yet been corrected. Attached please find copies of my payments accepted by XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent a transfer for XXXX XXXXXXXX on XX/XX/22 from my Wellsfargo Bank Account to XXXX XXXX XXXX Bank with routing number XXXX and to account number XXXX. The money was never transferred to the recipient. I first opened a case with Wellsfargo Bank to look into and they kept on prolonging without a proper response. After 10 days of calling several numbers, they said its closed and without a resolution. Again they made me open a new case ( XXXX ) on XX/XX/22 and saying it would take 10-20 days to resolve. My money is being stuck for more than 2 weeks and the Bank is taking their own time to credit the amount back to my account. I kindly request you to take stringent action for the delay and for not causing me inconvenience by not making my money available.

Entity to contact at Wellsfargo Bank : XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case Number : XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

I contacted US auto sales in regards to my car being XXXX and then repod. TO MY KNOWLEDGE MY ACCOUNT WAS CURRENT AND THEY ACCEPTED A PAYMENT FROM ME THE DAY BEFORE IT WAS SIEZED. I never received any written contact or verbal contact in regards to why yet I have been negatively impacted on my credit report.
Product: Checking or savings account

I deposited my IRS tax refund check issued by the treasury in the amount of {$28000.00}. The check cleared and they allowed me to use the money and then 3 days later my account was restricted because they said they need to verify the check and need an email response from the issuer even though it already cleared and was issued in my name. Then they said my account will be closing by XX/XX/XXXX i have not done anything wrong.
Product: Debt collection

On XX/XX/XXXX of XXXX and On XX/XX/2022 I, XXXX XXXX, a natural person and consumer, send letters to BMW requesting an XXXX XXXX so that I may validate the alleged debt and also letters to cease and desist violating me ( attached ). BMW has not responded to my request and it has been over 90 days from the first request and over 45 days from the second letters. My consumer legal rights are being violated. Certified letters on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries from:-XXXX XXXX - XXXX-XXXX- XXXX XXXXI have never applied , given or authorized my information or credit to be run by these companies. I don't recognize them at all.Besides the inquiries I also have 2 late payments from XXXX  XXXX which is incorrect. The credit card company has my payments on Autopay and I am not sure why they marked it as late . The balances are paid off at the moment.
Product: Checking or savings account

Just recently I discovered that " credit Card '' for approximately was being deducted from my account. I call the Webster Bank to stop payment and block this account.
This month they took {$180.00} + out of my account, which should not have been done.
I called the Webster Bank and questioned why they let them withdraw since there was a blocked account. I was told that they used a different account number so they paid it. To make matters worse, they told me they would have to investigate this and I would have to wait about 10 days for this dispute to be settled.
I am XXXX years old and widowed on a fixed income. I have some bills to pay and do not have enough money to pay my debtors.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I was advised that the collection I had paid off did not get removed off my credit report. Before initiating the payment, I specifically asked if I would be provided with a letter of deletion. After being told yes, I continued on with making the payment back in XXXX. I waited a month or so before asking to speak with a supervisor in regards to this issue. She then advised she would pull the call and if it was advised that it would be deleted, she would then delete it and send me a deletion letter. After me having to call them back and not hearing from them, that supervisor refused to speak with me and had someone else tell me the call was pulled and that I was not advised I would get a deletion letter and was only told I would get a paid in full letter. I asked for the recording to be sent to me and they refused. I believe they are being unfair and untruthful. Can someone please help me? I am just trying to better my future for my family and I, this is the only thing holding me back.
Product: Checking or savings account

On XX/XX/XXXX Navy Federal took {$1500.00} from my checking account which is a joint account with my husband and took {$830.00} from another checking account in spite of this auto loan # XXXX, being in dispute. This auto loan was in dispute since XX/XX/2022. Navy Federal 's response was that the account was validated but according to federal law, just stating an account being validated does not determine that it is, pursuant to 15 U.S.C 1692g. Also, Pursuant to 15 U.S.C 1692g, when an account is in dispute Navy Federal must stop collection until the information that's required has been sent. I called navy federal numerous times just to be transferred to the collection department and the fraud department and nobody can get me an answer, some tried to tell me to consult with an attorney even though they are clearly in violation. Because of this action, I have not been able to pay my personal bills or supply things for my home. This is defamation of character and unfair and abusive debt collection practices by Navy Federal. This account is still in litigation and the Navy Federal has yet to notate in their systems or contact the credit agencies about the issue.
Product: Debt collection

FRANKLIN COLLECTIONS ' SV HAS VIOLATED MY RIGHTS AS A CONSUMER DEBT NOT MIND SENT A LETTER 'CERTIFIED MAIL, REQUEST VERIFICATION VALIDATION, LETTER DATED XX/XX/2020 SIGN CONTRACT STATEMENTS FRANKLIN COLLECTION 'SV NEVER COMPLIED WITH LETTER AND STATED THEY DO NOT HAVE THE ORIGINAL CONTRACT AND SIGNATURE VIOLATED MY CONSUMER RIGHTS.
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX with account number XXXX with VIN # : XXXX with a maturity date of XX/XX/XXXX. At maturity, I took the vehicle to XXXX XXXX XXXX for final Inspection on XX/XX/XXXX at which time I was given the attached Final Inspection Report stating I owe {$960.00} as my Grand Total. Vehicle was inspected, dropped off and I left. When I called BMW USA to make the payment a week later, they claimed that the amount I owe is {$3900.00} for reasons I'm yet to understand despite calling repeatedly for several months. BMW USA then preceded to send this fraudulent claim to collection and have since damaged my credit severely. Attached are the Final Inspection Report and collection letter from XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account ( residential account ) with  XXXX   XXXX   XXXX   XXXX   XXXX  known today as "  XXXX  ''  XXXX  in  XXXX . I personally went to this company and closed the account in  XXXX  ( I am attaching evidence ). During the last years, this account appeared in my   XXXX    credit report in the "  Closed  Accounts '' section until it was removed from my  XXXX  credit report. Recently ( since  XXXX   XXXX  ), this account was added to the " Open Accounts '' section when it was closed and removed from my credit reports. I submitted a dispute with   XXXX    along with an evidence letter. The evidence letter stated that this account was closed and that it has {$0.00} balance. Unfortunately,  XXXX  did not accept this evidence so as to remove this account from my credit history. I called again to  XXXX  and they asked me for another kind of letter  XXXX   Credit Correction Letter   XXXX . Then I called again to  XXXX  and they informed me that they " will '' send a  Credit Correction Letter . Originally  XXXX  informed me they sent the letter but they did not. Attached you will find evidence that I went personally to  XXXX  in  XXXX  to ask for a letter as an evidence that this account was closed in  XXXX .
Product: Checking or savings account

I recently opened a business account with Chase. We began using their merchant services soon after. On the second day of accepting credit card payments, they disabled our merchant service account and they are holding our funds for 120 days. No reason was given. All attempts to contact them and Chase have gone unanswered. We are a small business and this is significantly
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is a fraudulent account and it has yet to be removed from Equifax credit report even after providing police report that was filed in XXXX of 2016 right after that account was opened
Product: Payday loan

I received a loan from RISE credit, illegal in New York state, for {$3500.00} XX/XX/2016. After months of harassment and withdrawals from my account which caused me to incur overdraft fees, they sold my account to XXXX with a balance of {$4600.00}.