23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I put {$560.00} cash into an ATM at the Wells Fargo, XXXX XXXX location. The machine took the money and my debit card but did not credit the account. When I went inside to get my cash and card back they told me they could n't do anything and to call the 3rd party ATM vendor. I can not feed my children this weekend because I no longer have access to my {$560.00} after the ATM machine took the money and did not credit the account. It has been 2 hours and still no $ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX - ACCOUNT NUMBER XXXX has violated my rights. 

15 U.S.C. 1681 section 602a states I have the right to privacy.

15 U.S.C. 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction/permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has denied my request to investigate and remove the fraudulent inquires on my credit report.The continue to play games as if Its not me making a complaint when I have attached my documets multiple times and called and mailed them multiple times. this will be my final before I seek damages for blatant disregard for fraudlent items on my credit report I will seek damages under 605b 611 607
Product: Credit reporting, credit repair services, or other personal consumer reports

Third party creditors on my report dont no how they got my information nor did I give my consent I ask for the original contract I have an they yet to show me poof of that so I would like all third parties collection agencies removed please 623 ( a ) ( 7 ) 15 U.S.C. 1681s2 621 15 U.S.C. 1681 did not receive a Model XXXX XXXX XXXX notice!!!

15 USC 1692 ( D ) 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 : 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) 15 U.S.C1692c 15 USC 1681a ( 2 ) ( a ) ( i ) 15 USC 1666 The right to erasure Articles 17 & 19 of the GDPR Pursuant 15 USC {$16000.00} 2 ( A ) i )
Product: Debt collection

This debit is not owed by me due to filing errors and a change of insurance companies at my last job ( not my fault ). I have tried to correct this by mail but no response from the collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

LEXIS NEXIS is reporting my personal data to Credit Bureaus, namely, XXXX, expressly, without my permission or any fiduciary appointments. This unlawful action exposes my personal credit to incorrect information, ie, Bankruptcy Reporting, where the Federal Bankruptcy Court in XXXX, Texas has stated that " We do not furnish information about any of our records to any credit bureau. '' After confronting XXXX about these " Invasions of Privacy Issues '' they stated that, " Lexis Nexis furnishes the information to them and I would need to send a letter to them stating that I do not have a bankruptcy from the court '' ignoring the fact that they already admitted that the information was furnish through a 3rd Party. 

In XX/XX/2021, I submitted an OPT OUT FORM on Lexis Nexis website with the confirmation # XXXX. I called the next business day, on a Monday, and requested a FREEZE ON MY PERSONAL DATA, which was completed and I was suppose to receive a copy of it in my mailbox, which has failed to arrive. 

Lexis Nexis Continues to furnish my information to 3rd parties, which resulted in my XXXX XXXX being repossessed in Louisiana and addresses I have not lived at or currently live at, false debts, fraud debt collection reporting and many more!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623,  subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.
Product: Credit card or prepaid card

The cancellation of this booking WAS completed within the cancellation window and in accordance with the merchants cancellation policy and should have resulted in a full refund. As proof of this, we attach emails from XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX confirming that our cancellation of reservation for travel on XX/XX/XXXX was received and that a full refund in the amount of {$3200.00} would be processed back to our MasterCard ending in XXXX within 60-90 days. 

Here is a timeline of pertinent dates for clarification : XX/XX/XXXX Booking made and reservation fee of {$3200.00} charged. 
XX/XX/XXXX Booking cancelled well within the merchants cancellation window. 
Call to Barclay made XX/XX/XXXX, cancellation number XXXX, via online and phone call. I was told at this time that it takes 60 to 90  days to process the cancellation, which would be XX/XX/XXXX at the latest. 
Calls made to XXXX several times during this period, including Attempts to work out with XXXX via phone calls : XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX 60-90 day refund timeline elapsed. Dispute opened with Barclay and sent via email and phone call. 
XX/XX/XXXX Another Dispute opened with Barclay. 
XX/XX/XXXX Another email from merchant confirming refund is due. 
XX/XX/XXXX. Several calls XX/XX/XXXX 60-90 day refund time elapsed. Call again to Barclay. They indicated denial to provide refund because  they claim we did not contest the original charge in XX/XX/XXXX within 90 days. This was only done after a three way call to XXXX where XXXX affirmed we are entitled to a refund but that accounting was taking time due to the pandemic. 
XX/XX/XXXX XXXX confirms it will process the refund & seeks verification of the credit card. Confirmation made online and call to confirm received confirmation. 
XX/XX/XXXX. Email confirmation from XXXX that I should receive the refund with my credit card within 3-5 business days. 
XX/XX/XXXX. Call to Barclay seeking to confirmation of attempt by  XXXX to refund. 
Barclay claimed no attempts were made. I asked for assistance. They said it may take up to 15 days and I should wait to file another dispute. I told them I did not want to wait that long because we had relied on their prior statements to wait on filing a dispute and then was told we could not get a refund because we waited to file a dispute. Filed another dispute.
Product: Credit reporting or other personal consumer reports

I'VE RECENTLY CHECKED MY CREDIT REPORT AND OBSERVED SOME UNAUTHORIZED INQUIRIES STILL REPORTING. 

Equifax : 1. The inquiry was not authorized XXXX XXXX XXXX  XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX XXXXXXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 

XXXX 1. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX  XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

bureau reported infortmation as late months after loan was paid off also furnished the information without my consent.

I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 15 USC 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, 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, Account Number XXXX XX/XX/2023 I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX  due to the abusive and unfair practices. 
You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C.

Sec. 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 
Best Regards, XXXX XXXX
Product: Credit card or prepaid card

After having made a payment that exceeded by balance on my CapitalOne MasterCard, on XXXX/XXXX/XXXX, CapitalOne drafted me a check for my credit balance in the amount of {$120.00} which I received in the mail shortly thereafter. On XXXX/XXXX/XXXX I mobile deposited their check to my XXXX checking account using my smart phone. On XXXX/XXXX/XXXX I received a letter from XXXX indicating that the CapitalOne check I deposited was returned as it was drawn on a CLOSED ACCOUNT! XXXX 's letter further indicated they were debiting me a {$12.00} returned item fee. On XXXX/XXXX/XXXX I called CapitalOne customer service at XXXX and reached some guy in XXXX who barely spoke XXXX that was difficult to understand. After going round and round with this guy, he finally indicated that CapitalOne would send me a replacement check but only for {$120.00} credit balance amount but would not reimburse me for the {$12.00} returned item fee that I suffered for having deposited their bogus, worthless check that was drawn on a closed account.
Product: Credit reporting or other personal consumer reports

I Reviewed my consumer report and noticed that I had XXXX late payment on an account that i was never late for consuming reporting agencies have assumed a vital role and have a responsability to report consumer information to the best of thier liability with maximun acuracy. I have never been late on payment fot the account # XXXX from XXXX  XXXX XXXX XXXX Please invenstigate and provide proof wirh statement showing that this payment were late. If proof can't be provided I demand these payments be update to on time as they should be as I was NEVER late. 
Eventhought this account was payeed totaly. 
Thanks!
Product: Credit reporting or other personal consumer reports

Synchrony Bank, acting for XXXX XXXX, sent me a collection letter via US Mail, for a minimal amount ( less than {$50.00} ) that they said was past due. Neither XXXX XXXX nor Synchrony Bank ever informed me prior to that time that I owed XXXX XXXX any amount before they sent the collection letter and reported my account as past due to the credit reporting agencies. This ruined my near perfect credit rating, This is a clear violation of the Fair Credit Reporting Act and is an undue and deceptive trade practice, which should be stopped immediately. As soon as I first became aware that there was any balance due, I paid it off immediately ( even though I wasn't sure that I owed the amount at all ) and closed the account so that it could never happen again.
Product: Student loan

Sallie Mae notified me that I have to continue to make payments. I am still enrolled in school but they have told me that I have used my maximum of 48 months of deferment. This conversation occurred today ( XX/XX/XXXX ) after spending 2 hours on hold waiting for an initial rep and then an additional 45 minutes of waiting on a resolution specialist after being transferred for a total of over 3 hours on the phone. 

I explained to them that I live paycheck to paycheck as it is, and with the current pandemic there is no way that I can resume payments until I have earned my degree at the end of Spring XXXX. They wanted to speak to my grandfather who is my cosigner but the man is over XXXX XXXX XXXX with his wife in and out of the hospital ( she just left the hospital yesterday XX/XX/XXXX ). This will be too much stress on him and he is not responsible for the loan. I am. Every time I have spoken to a representative in the past regarding my deferment and picking back up school they have not once disclosed to me that there is a max time of deferment. I also did not get any warning or notifications that my deferment max would be coming soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th attempt to get this matter resolved but then again my request is still being ignored. I have a loan with the accounts below and I always made my payments on time. For some reason, I realized that there were 30 days past due from XXXX, XXXX and 60 days past due on XX/XX/20. I have read enough to understand my rights. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA.and is wilfully non-complying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payments from these accounts. Below are the accounts with erroneous information that I'd like to remedy ASAP. 

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

103 claims true identity fraud/account fraudulently opened the original creditor for this fraudulent accounts listed Experian Report Number : XXXX XXXX  File Number : XXXX Account name : XXXX XXXX {$3500.00} Account Number : XXXX Date open XX/XX/XXXX Account name : XXXX XXXX XXXX Account number XXXX date opened XX/XX/XXXX Account name : XXXX  XXXX {$1500.00} Account number XXXX i called these companies and give them my personal information and the could not find me in the system. i do not understand how i can not address the fraud with them! please assist me on communicating with these 2 creditors to validate that this is identity theft ..also when i got off the phone with XXXX XXXX about a day went by when my caller id said " SCAM LIKELY '' i answered it and it was call from XXXX XXXX XXXX i thought this was another fraudulent account but it turns out that XXXX XXXX sold a debit to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , GAXXXX. 

also i recently found out i was involved in the data breach with XXXX  in XXXX this is my FTC report number XXXX these fraudulent debt is hindering my ability to apply for credit or even get a frist time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, has violated my rights. 

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: Mortgage

My house and everything i owned was lost due to hurricane Sandy. 
I am in the process of rebuilding my home and i have had to rent a place while my home gets rebuilt. 
I qualified and recieved a Certification of Eligibility Sandy-Impacted Forbearance Certification and presented this along with documented evidance that my home was being rebuilt and was denied by Seterus my mortgage provider. I am ccurrently renting another place while i rebuild and would like to have this forebearance honored by my mortgage provide Seterus which will help enable me to complete the rebuilding of my home while renting a place to live. 
any advise or assistance would be greatly appreciated. 
Please advise. 
XXXX XXXX cell - XXXX XXXX XXXX. 
Thanks in advance. 
Regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, I submitted complaint to your office ( case # XXXX ) in regards to JCPenney Credit Card Account # Ending XXXX. This problem never resolved. My credit report on file to the bureau up to date still showing negative. This problem affected my score too low and I am paying my car loan at higher interest. My Chapter XXXX was discharged on XX/XX/XXXX. For several times I disputed my case thru credit bureau and GE Capital Retail Bank denied my dispute and not agree to resolved this problem. I suspected GECRB company retaliating and punishing me since I reported and complaint my case to your office. For over 4 years this is the only company still showing and reporting negatively my credit file to the credit bureau.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Request : Please delete the 90 day late payment off Credit report with all three credit breaus Account Name : XXXX XXXX Social Security # XXXX Old property address : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Account Number : XXXX ( 90 day late payment ) XX/XX/XXXX To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains a 90 day late payment reported on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for my XXXX XXXX XXXX XXXX account. 

I want you to know that I understand my financial obligations, and if it werent for my property taxes increase to make our equity amount increase, which I was not aware of until I received my invoice with a {$400.00} a month increase. Id have an excellent repayment record. I made a mistake in falling behind, but since then I set up a payment arrangement, paid the payment arrangement off in full before the scheduled payment arrangement time, and also paid my mortgage off in full with a {$0.00} balance. Since then, Ive had a spotless record of on-time payments. 

Im planning to apply for a new mortgage loan with XXXX XXXX, and its come to my attention that the 90 day missed payment on my record is hurting my ability to qualify. I have tried disputing this information directly wit XXXX XXXX but was informed they denied my request due to the reporting information reporting was accurate. Well I do understand, but I have never been late on my Mortgage with XXXX XXXX  before the Invoice of my {$400.00} monthly increase due to a increase in property taxes that I was never aware of. 

I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the 90 day late payment on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
If you could please fix this ASAP, i am trying to re-apply for the new VA loan within the next two weeks, and this is effecting my approval with XXXX XXXX. I am asking you to please, please help me with this situation. 

Thank you for your consideration, and I hope youll approve my request. I can be reached at XXXX. 

Best, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in continuous contact with Experian regarding updating my personal information. I have documentation submitted to me from their office showing that my personal information has been undated. My current address is still not reflected, information that was removed from my credit report is now back reporting, and fraudulent accounts that have been verified by myself and the creditor are still reporting. 

I have been in contact with their office via mail and phone and have received documentation that the inaccurate information has been removed. Only to pull my reports today and see that they are still reporting.
Product: Checking or savings account

On XX/XX/2018 around XXXX, I was trying to deposit a cash thru ATM machine BBandT branch in XXXX XXXX XXXX in Pennsylvania XXXX. However, my cash was eaten up by the Atm machine. I inserted XXXX US dollars, XXXX dollars each bill. When the money was inserted to the deposit slot, it appeared on the screen that this ATM machine is not available for deposit transaction now. My money was left inside and I tried to log on again and XXXX was not posted in my account. I called the customer 's service of BBand T that time and reported the incident. then the day after, XX/XX/XXXX, I contacted the bank manager and she told me she would file a dispute about this. Then on XX/XX/XXXX, I received a provisional credit of XXXX while investigation is ongoing. I received some paperworks and completed and signed them then submitted back to them by the bank manager. Then XX/XX/XXXX, I received a letter from Fraud and Dispute Center from BBand T bank informing me that they concluded that no error occurred in the ATM and they will reverse the provisional credit. I am wondering if they did any good inspection of the said ATM machine and checked all the cameras and transactions happened XX/XX/XXXX. They said in their final letter that transactions were checked XX/XX/XXXX, whereas my case happened XX/XX/XXXX.