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

I bank with Capital One, Thursday night ( XX/XX/2019 ) i want to go a ATM deposit at the XXXX XXXX branch, the deposit was for XXXX. The ATM took the money, then returned it with the fresh bills crumpled up and XXXX dollars was missing and not counted for. I immediately called to file a claim with the bank itself, as well as take a photo of the ATM i used.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 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 purpose.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1300.00} Collection XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$2000.00} Collection XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$360.00} Collection XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$120.00} Collection XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$3700.00} Late/Open Inquiries in Dispute : XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XX/XX/XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

I had a checking and Savings account with First Horizon bank that I wanted to close. I went to their XXXX XXXX branch today XX/XX/2020 at approx XXXX XXXX  and was told by the teller to speak to XXXX the lady who was sitting at a desk. I explained why I wanted to close and she verified my Drivers License, then she got up and said I will be back and just left. I waited for over 15 minutes and no one came back so I went to the teller and said I needed to leave as I had another appointment as the lady was not around. She too just said " Fine I will tell her you left when she comes back ''. I cane back home and then called the toll free number and got a gentleman to close the accounts and will hopefully get a check in 7-10 days. When I asked about the process of filing a report or complaint about the treatment at the branch he said I would have to go back to the branch and make a complaint. I asked what if that lady was the manager and he said the only option is to complain about her to her. That is the most ridiculous thing I have ever heard. I am appalled at the lack of any service at branch or telephone.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. 
Please remove these accounts from my report, they are hurting my ability to obtain credit. I do not recognize these accounts and did not authorize them. They are reported by third party.
Product: Debt collection

I reviewed my credit report and noted an open ( paid ) account for allied international credit union account # XXXX for original creditor XXXX XXXX that was dated placed for collection XXXX/XXXX/XXXX and full payment made XXXX/XXXX/XXXX. I remember an account that I had with XXXX XXXX XXXX, however, the dates were prior to XXXX. Therefore, I was disputing the dates and validity of this account in collections. After sending a letter certified on XXXX/XXXX/XXXX with delivery on XXXX/XXXX/XXXX, I received no response regarding the status of this account as of XXXX/XXXX/XXXX. I spoke with a representative on XXXX/XXXX/XXXX and was told that they no longer have a contract with XXXX XXXX XXXX and have no records of this account. I was told to refer to XXXX XXXX because records would be sent back to them for protection of my account after the termination of the contract. After speaking with XXXX XXXX XXXX on XXXX/XXXX/XXXX, they were not able to find a previous outstanding account with search of full name, address, social security number, and driver 's license number.
Product: Payday loan, title loan, or personal loan

I am on fixed income, and not able to work. I have all bills to pay out of my Social Security, and retirement. I contacted XXXX XXXX XXXX, and I turned XXXX XXXX XXXX in, and all my credit cards and two loan companies. I talked with the Eagle Finance and told them what I was doing, so in the month of XXXX they stopped the payment. The manager then called me and told me they did not deal with XXXX XXXX XXXX. I called my bank and begged them to stop the payment. The Eagle Finance in XXXX, Kentucky took XXXX 's payment out this month and now is taking out XXXX 's. My rent check will come back on me now that this has happened. I bank With XXXX XXXX XXXX XXXX XXXX XXXX, and they will not help me with this situation. They will not stop the pending payment that the finance company it taking out for the second time this month. This is really causing me some financial problems. I have a very sick daughter that I am responsible for, and she can not get XXXX. I called the finance company this morning ask them to stop the payment and they refuse. They said the manager would call me back when he came in at XXXX XXXX. He never called them, so the XXXX XXXX XXXX told me to contact FTC, and FTC sent me to you guys. My phone number is XXXX.
Product: Money transfer, virtual currency, or money service

My Coinbase.com account was locked with no explanation. 

When I try to log in to Coinbase, I get the message " Sorry, account temporarily disabled.  Please contact support. '' I am filing this complaint after opening a customer service ticket ( I can provide the ticket number if needed ) with them and no action from them regarding the situation. I 'm not sure of the exact amount of money I have in Coinbase since the value of the cryptocurrency fluctuates and I check the amount in Coinbase, but it is approximately {$1200.00}. 

My acct was disabled on or around XXXX XXXX 2017.
Product: Credit reporting 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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXXXXXX Account NumberXXXX has violated my rights. Or a 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

Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

The companies detailed below added unauthorized inquiries to my credit report without my knowledge or consent. I contacted these companies throughout the second half of the year, and I have yet to receive a response. 

XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have the citi prestige card. It is supposed to reimburse your airline credit in the amount of {$250.00} every year. I made a purchase on XXXX XXXX on XXXX XXXX. When it did n't post i called and they told me that i needed to fax in a copy of my ticket. I did this, waited a couple weeks and called in again. They said they never got it. I then talked with XXXX from team XXXX who assured me that this would be taken care of if I emailed him a copy of my tickets. I emailed it to him like he said - elite @ citibank in the subject line i put attn : XXXX, team XXXX. My husband also had to do this. Eventually my husband 's posted but mine still has n't. 

Here is where it gets even worse, i have now contacted citi about this 11 times.On times 1-9 they said that i would post on next statement and if it did n't they would follow up with me. Well, very frustratingly, they have never posted and they never follow up with me. Yesterday, through private message ( time # 10 ), XXXX told me it did n't qualify. This floored me after all these contacts i have had with citi and i called in. The lady i spoke to 2 mroe times yesterday assured me that she would contact her supervisor when he arrived and call me back and take care of it. 

Guess, what, she never called back! I know this should n't surprise me as that is what everyone has done. I would encourage Citi to go back in and look and the contact i have had and time i have devoted into getting my airline credit on this expensive card. I have no doubt spend over 6 hours of frustration trying to get this done on my time outside of work. I am very highly disappointed in Citi 's actions. It seems to be a textbook case of how not to run a business.
Product: Debt collection

I have a collection on my credit report for a debt owed to XXXX XXXX XXXX in the amount of {$1000.00} dated XX/XX/2018 that is not mine. I have called XXXX, in fact, I have been there three times in the last two months for other reasons and have made sure that I DO NOT OWE XXXX ANY MONEY. I initiated a dispute online and the " results '' i receive are " account is confirmed as accurate ''. I don't know what this means or what was done, but I asked for documents to show what they are attempting to collect. I have clearly stated that I do not have any dates of service on XX/XX/18 and XXXX is telling me I owe them no money. How can this be reported as accurate if they can not show me what they are trying to collect? Please help me out.
Product: Vehicle loan or lease

XX/XX/XXXX : Car Accident where vehicle financed was deemed a total loss by Insurer. 
XX/XX/XXXX : Original request for Letter of Guarantee ( LOG ) sent from XXXX XXXX to Hyundai Financial. LOG is necessary to guarentee title once bank is paid off. 
XX/XX/XXXX : 2nd formal request sent from XXXX XXXX to Hyundai : Hyundai confirmed they received the request and it would take 3-5 days for processing. 

We have called to follow up on the dates below and each time they state it will be 3-5 business days. 
XX/XX/XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX informs LOG was faxed on XX/XX/XXXX. XXXX XXXX stated they haven't received it and they don't have a way to contact the fax provider to request a search. 

Called several times after including today ( XX/XX/XXXX ) and still same answer of 3-5 business days. Writer initiated a compliant w/Hyundai Financial and they have not replied. Complaint now initiated w/XXXX and Consumer Financial Protection. 

Original amount financed is {$29000.00} through Hyundai Motor Finance XXXX XXXX XXXX, XXXX XXXX, CA XXXX ; XXXX : XXXX XXXX XXXX will pay : {$15000.00} ; GAP insurer can't move forward until Hyundai issues the LOG, XXXX XXXX pays, and all documentation is sent to GAP. 

Meanwhile Hyundai is still biling me monthly on a vehicle which they are creating a barrier to complete payment and close out loan and the vehicle is no longer in my possession. I've now started to pay on another vehicle ( 3 months later ) and can't afford to pay both payments and now I'm worried if I don't pay Hyundai they will report me for being delinquent which will affect my credit rating. This is in no way noble, honest, or reputable.
Product: Student loan

I have been waiting over 6 months for my refund from Mohela. I called them on XX/XX/XXXX to request a refund for payments made during the payment pause, they told me it would take 45-60 days. I called back after 60 days and they told me that they resubmitted my request on XX/XX/XXXX and that it would be another 45-60 days. Ive called back several times and no one can give me an answer why I still havent received my refund. Now, within the past month, my account has increased because its showing that interest has accrued.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, TRANSUNION, and XXXX regarding their failure to remove fraudulent accounts from my credit report despite providing substantial evidence proving that these accounts do not belong to me. I request your assistance in resolving this matter and rectifying the inaccuracies on my credit report. 

I have repeatedly contacted the credit bureaus, providing them with documentation including police reports, identity theft affidavits, and correspondence with the fraudulent creditor, proving that these accounts were opened fraudulently and are not associated with me. Despite my efforts, the incorrect information remains on my credit report, negatively impacting my creditworthiness and financial stability.
Product: Debt collection

This account ROADRUNNER ACCOUNT SER with the number XXXX is incorrectly reporting a rating of CollectionOrChargeOff on my credit report, and I am demanding its immediate deletion! 
Youve indicated that the account was opened on XXXX and that the last activity occurred on XXXX. These dates are inaccurate, and I expect you to take corrective action now. 
Youve also noted that the last verified date was XXXX. Under my rights granted by the Fair Credit Reporting Act, I am requesting the exact methods and evidence used to verify this information. Furthermore, provide me with documented proof of your claim that I owe {$12000.00}, as I firmly contest this amount. 
Case law supports my demand : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX emphasized that inaccuracies must be rectified ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reinforced the obligation to verify disputed information ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  requires the deletion of false or unverifiable information. Take these precedents seriously and resolve this matter immediately.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, both my financial institution and Zelle failed to investigate my claims adequately. 

Zelle has neglected its responsibility to protect consumers, leaving them vulnerable to fraudulent activity and offering little to no recourse for recovering lost funds. The platforms failure to take meaningful action against repeat offenders and its lack of transparency in resolving disputes is unacceptable. This raises serious concerns about XXXX commitment to consumer safety and its role in fostering trust within the financial system. 

I urge Zelle to address these deficiencies immediately by implementing stronger protections, improving its dispute resolution processes, and ensuring accountability for its users.
Product: Debt collection

Hello, I received a notification today that my credit score was lowered upon investigation i discovered that this company was the reason for the drop. this business has not reach out to me by mail or phone. it is unfair that a business would place a item on my credit credit report without reaching out. I am requesting that this account be removed from the credit bureaus immediately, because it is hurting my chances of further rebuilding my credit.
Product: Checking or savings account

I disputed a unauthorized transaction navy federal Retrict my account soon as the added the provisional credit I sent them proof the transaction was not fraud they still tellin me it is and closed my account that is defamation of character pain on suffering discrimination and mental stress after I deposit over XXXX and they made all that interest off my deposit
Product: Credit card or prepaid card

On XX/XX/XXXX, my husband and I made an online reservation for a car rental in XXXX and paid for the reservation, using my AAdvantage Mastercard with Citibank. 

The receipt for the reservation clearly shows that the total amount for the rental would be XXXX XXXX ( approximately {$120.00} ). However, when I received my credit card statement, the amount charged by the rental company was about {$410.00}. 

I contacted the rental company but was not able to resolve the situation with them ( even though they did not provide any reason for the discrepancy ). As a result, I submitted a timely written dispute with Citibank. 

A few weeks after the dispute was initiated, Citibank acknowledged that the dispute was resolved in my favor. However, I received a credit in the amount of {$70.00}, which was incorrect. The difference between the rental charge I agreed to ( {$120.00} ) and the charge on my card ( {$410.00} ) is {$280.00}, and I should have received a credit for {$280.00}. 

I contacted Citibank about this numerously in writing, on XX/XX/XXXX, XXXX and XX/XX/XXXX. I also called a few times, but received no answers and no explanations. I believe the Citibank 's conduct is in violation of the Fair Credit Card Billing Act. I respectfully request your assistance with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 hard inquiries that are reporting on my credit report Equifax to be exact i do not recognize these inquiries its been reporting since XX/XX/2021 no actions has been taken
Product: Checking or savings account

I did not recognize several XXXX  payments for several hundred dollars withdrawn from my account. 10 days later. Capital One instead of performing its fiduciary duty to investigate fraud, instead decided to close my accounts with over {$40000.00} and end " the banking relationship ''. My current funds are " restricted '' and causing a major financial loss.
Product: Credit reporting 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  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and 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.