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

On XX/XX/XXXX my son and I deposited {$2000.00} into the ATM, Chase Bank XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, OH XXXX. ( XXXX ) XXXX. While the machine was processing the deposit, the machine malfunctioned. We were issued a receipt with a telephone number to call and file a claim. We stayed at the ATM and called the number to file a claim and explain what had happened. The funds were initially deposited into the account, then reversed on XX/XX/XXXX, {$1800.00}. I went to the branch on XX/XX/XXXX and spoke with the manager, XXXX, XXXX, about the concern. I was told a second audit would be completed within 3-5 business days and we would hear back. As of XX/XX/XXXX, there was no follow-up on the second claim request. At this time, XXXX escalated the complaint and stated that we should hear something by the following week. On XXXX, Chase Escalations called and informed us that the claim was denied due to insufficient funds. I called the claims department at XXXX to inquire about this. The representative and supervisor told me that nothing more could be done. I requested a call back from the manager. On XXXX @ XXXX, I spoke with/ XXXX XXXX the XXXX from the claims department, she reiterated that the claim was denied. I requested what could be the next steps and I was told I had no options through the claims department. I inquired as to what goes into the investigation process and whether or not the cameras can be reviewed. I was told this is not part of their process.
Product: Credit card

I had been looking for a new Credit Card to transfer a balance to and after reading some reviews, I saw that the Chase Slate card offered a 15 month 0 interest balance transfer option and no annual fees which would give me an opportunity to pay off the amount in that period without being charged interest. Perfect right? So I applied online and indicated I desired to transfer a my balance - close to {$8600.00} in the application. They also listed XXXX APRs - 13.24 %, 18.24 %, or 23.24 % that they offered and I would be placed in XXXX of these buckets. So they approved my application, but only for {$3500.00}, and also placed me into the worst APR bucket at 23.24 %. An account was opened and they initiated the balance transfer. Here is the problem - AT NO TIME DID I HAVE AN OPPORTUNITY TO APPROVE WHAT THEY OFFERED ME. If I had known they would not approve the full amount, for whatever reason, I would not have agreed to open the account. I also would not have agreed anyway on a 23.24 % APR which is absurd considering I have good credit standing and securable assets. It still is mind boggling why we allow credit card companies to even offer these high rates.
Product: Credit card

Capital one closed both my walmart card account and my menards account, they stated it was due to " fraud '' they stated that they returned my payment because it was an invalid account number. Capital one closed my accounts on XX/XX/XXXX without notifying of anything possibly being fraudulent or that there was any problems with either of my accounts. I made an additional 5 payments between the 2 accounts with the same bank account number they previously stated was invalid and therefore closed both accounts. The lady i spoke with told me that if i made significant payments to both of my accounts that the likelyhood they would reopen them was good. I paid an additional {$510.00} between them last payment being on XX/XX/XXXX all with the same bank account i have used since opening an account with capital one.
Product: Credit reporting or other personal consumer reports

I found some information that was incorrect on my credit report that was inaccurate, and I still haven't heard anything back. I have not been supplied proof under the doctrine of Estoppel by Silence, Engelhard v. Graven ( m281 SW 715, 719, I presume that no proof of the alleged debt, in fact therefore exists. Therefore, all items not proven to be mine needs to be removed.
Product: Bank account or service

i went in to locate 53rd bank XXXX XXXX XXXX XXXX XXXX, OH XXXX wanting a explanation on why in being charge overdraft fee, they no explanation on what chagers cause the overdraft and why i being charged {$74.00} in fees when the fee should be {$37.00}, spoke with branch manger and she talked on me like i dont keep any record on my account, ask to close my account and was told i could not close my account
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 U.S.C 1681. ACCOUNT Name : XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX, and XXXX XXXX XXXX ( Original Creditor 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 an 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: Checking or savings account

I went into the XXXX XXXX Bank of America on XX/XX/23 at around XXXXXXXX XXXX to make a check deposit. It was a large amount- over {$190000.00} - from the sale of my home. I wasnt explained anything at the time of the deposit. I later received an email stating that there would be hold until XX/XX/23 at XXXX because there is check specific information indicates item may be returned. I understand that this is a large amount but why it is likely to be returned? I called Bank of America the next day and wasnt able to get the specific reason, which it seems is contrary to what law mandates. I also have not been given access to the {$5500.00} amount that should be released. The check is an XXXX and can be verified online. But I feel that I was discriminated against.
Product: Checking or savings account

Made deposit of $ XXXX, bank placed hold for a complete week and will not make funds available by date indicated on the deposit slip.
Product: Payday loan, title loan, or personal loan

Ive been paying this organization. Due to the Truth in Lending Act they didnt explain that this Loan was going to be on my credit report. They did not disclose this information bt the Truth in Lending Act. They are also reporting that I am late when this company held my payment on purposely for a month. I just made a payment on XX/XX/XXXX, XX/XX/XXXX. Ive been making payment for a year and i have all receipts. This made my account go into the negative. I was told this was a personal loan. They didn't disclose that information. I am a XXXXXXXX XXXX XXXX
Product: Mortgage

Im in the tail end of a XXXX  XXXX bankruptcy. All payments are current and the trustee has filed a motion to close the case and issue a discharge. The mortgage of course will continue. The last I heard the mortgage company PHH MORTGAGE was not cooperating with the court but was holding various sums in various suspense balances and not crediting the accounts as required! However the REAL issue is a hail damage claim from my insurance carrier XXXX XXXX  who issued a {$25000.00} + check which I and my wife endorsed and sent to PHH as required. Weve since had our roof replaced at a cost of {$10000.00} and the mortgage company sent the check to a DEAD LAWYER in spite of being notified he died when my current lawyer enter his notice of appearance on XX/XX/XXXX NEARLY THREE YEARS AGO! Now Im in a pickle because I can not pay the roofer and PHH CLAIMS they have resent the check overnight mail to the current lawyer on XX/XX/XXXX yet he doesnt have it and PHH CAN NOT provide a USPS tracking number and if they were not lying YET AGAIN theyd know that number! I also have damage to my boat dock I can not even begin to think about repairs to because I know they can not be trusted to send me the insurance money I have been paying my premiums for so this dock which is now part of the mortgage after it was modified is being destroyed because the welds are broken and unable to be fixed. Ive addressed this with the lawyer and the mortgage company to no avail! Ive paid my XXXX  XXXX payments on time and in accordance with the plan for 58 months yet have NOTHING to show for it because PHH is allowing this property to be destroyed!
Product: Credit reporting or other personal consumer reports

I have disputed items that have came back accurate and verified but never received proof with my signature or permission to report anything concerning my credit. 
I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. 

XXXX XXXX XXXX XX/XX/year> {$480.00} XXXX XXXX XX/XX/year> {$1000.00} Jefferson Capital Systems XX/XX/year> {$2500.00}
Product: Checking or savings account

I applied for a fraud claim last XX/XX/XXXX for a charge from the company based in XXXX. I was scammed. I didn't get the services and products that were initially offered to me. The products they were offering was not regulated here in the US. They were selling it to people saying that it would work in XXXX but users did not get the service. I applied for the fraud claim, which wells fargo refunded back to me in a few days. after 4 months of them giving me the provisional credit, they reversed the claim stating that they had concluded the investigation. According to them, they could not give me the details of the investigation. I do not know what they had to decide to reverse back the amount. This caused me such a huge financial difficulty, now after 4 months and being the XXXX XXXX I am on overdraft XXXX was taken. The bank balance I have now is - {$1500.00}. Please help me with this situation. Other customers from this company had gotten their money back, Wells Fargo gave it but then reversed it and only now after 4 months when they said they would resolve it in 10 days. I hope somebody can help me with this. The company called BE based in XXXX had scammed numerous people here in XXXX and I hope this would be resolved. Thanks
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX CXXXX XXXX  XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$5500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX {$2900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX {$360.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$4300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$4000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$730.00} XX/XX/XXXX XXXX  XXXX XXXX  XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$13000.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/XXXX and XXXX 2019 I made several large purchases from a XXXX XXXX totaling in the amont of {$2700.00}. I had purchased recklessly so I revisited the merchant and returned all of the items I had purchased. The merchant indicated that within 5 to 7 business days I would be credited back to my bank account. I was reimbursed XX/XX/2019 for a total of {$42.00}. I Immediately contacted bank and expressed the matter and opened a dispute against the merchant. I was assured that within 10days the dispute would be resolved or a provisional credit of sorts would be issued to me. During the course of the next few months I contacted the Bank about this dispute and requested the provisional credit. Each time the bank stated that the disputes team would be in contact with me very soon, with an update. During the time several support emails had been exchanged stating that the investigation was still taking place. On XX/XX/2019 the bank issued refunds and credits for the total amount of {$2600.00} however it immediately issued reversals and forced debits to my account in the amount of {$2600.00} and issued me an automated message via the support message saying that it apologizes but there was a system error and they are working to correct the issue. I contacted the bank expressing my anguish, need, and confusion, and it replied that the investigation was still underway and that someone from the disputes team would be in contact with me. I continued to reach out the bank several times each week until finally I received a message on XX/XX/2019 from the disputes team stating that the merchant had Five business days to reply. I asked what that would entail, the disputes team clarified that if the merchant did no reply that the dispute could be closed and found in my favor. XX/XX/2019 I reached out asking why I hadnt been reimbursed because the reason I was given. The disputes team failed to respond to me. I then sending messages stating that I would escalate this case to the CFPB because it was illegally how this bank was and still treating me, and then it caused the disputes team to reply on XX/XX/2019 requesting I submit to them documents associated with visa by XX/XX/2019, I complied with their request and sent the documents to visa directly myself as well as to them. However I still have not received my money the bank continues to withhold these funds from me and ignore me completely.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments and inaccurate accounts posted on my credit report : I HAVE NEVER BEEN LATER ON THIS - XXXX ( XXXX ) I was never been late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my acct. 
Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.

Except as provided in paragraph ( 3 ), the term consumer report does not includeSubject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactory with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was fraud, see police report. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX show negative comments from victim of identity theft/Fraud, etc. Including each bureaus i.e. Trans Union, XXXX, and XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I paid a person I bought an item from off XXXX marketplace {$700.00} on Venmo when it was suppose to be {$7.00}. I immediately called Venmo customer service and they advised me to reach out to the person and do a request money back. That person I do not know personally therefore they ignored me. So since Venmo was no help I called my bank to do a stop payment in which I had to take time out my day to go by the bank to sign a document and then pay {$32.00} to stop the payment. Well Venmo took it upon themselves to pay the person {$700.00} after my bank didnt stop payment and now my Venmo account is frozen and Im in debt collections. I DID NOT AUTHORIZE VENMO TO PAY THIS PERSON {$700.00} WHEN IT WAS SUPPOSE TO BE {$7.00}. So again I reach out to Venmo because now anytime someone sends me money via Venmo they automatically take it from the {$700.00} balance I apparently owe them. Venmo customer service states there is nothing at all they can do. I request to speak to a supervisor and all he suggests is that they will check to see if they had a glitch in the system during that transaction and he will send me an email for an update. Today is XX/XX/2024 and I have received no update. I am being penalized when I immediately called Venmo customer service when I noticed the mistake. So now I have to pay {$700.00} to Venmo to get my account unfrozen and Im in collections because of this as I am continuously told there is nothing they can do. I dont understand why they paid the person in the first place without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Continues Report inaccurate information XXXX XXXX Account as late and closed when its actually open and never late Also XXXX XXXX was removed from my report as a result of identify theft and they continue to report it Experian continues to violate my rights under In accordance with the FAIR CREDIT REPORTING ACT Act this creditor has violated my Rights!

Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''.

Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose When I have provided proof over and over
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX sent a letter to me stating that they would no longer be reporting an inquiry to the credit bureaus ; however, said inquiry is yet appearing on ( at least -- not sure about XXXX or XXXX ) my Experian credit report. Experian 's site says you can only dispute this inquiry by mailing ( snail mail ) XXXX ... but XXXX already said they would no longer be reporting the inquiry in question, so it appears as though the ball has been in Experian 's court since then ( XXXX ). I'm tired of waiting for them to take action -- there is no other recourse but to file a complaint.
Product: Debt collection

CCS XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX MA XXXX To : The Office of Registered Agent for CCS XXXX XXXX From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state. 

You will forthwith return and transmit your written evidences of your delegated authority torepresent that you and Progressive is authorized to administrate on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : XXXX. Harassment and abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered aninsufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages. 


Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable XXXX Articles. 
If you lack understanding of this paperwork, forward to your ATTORNEY. 

By : XXXX XXXX XXXX XXXX XXXX XXXX, authorize the cfpb and CCS XXXX, XXXX to move forward with this complaint.