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

I filed a claim for an ATM withdrawal on XX/XX/2020, in the amount of {$700.00}. I attempted to withdraw {$800.00}, including the ATM fee of {$3.00} on XX/XX/XXXX, however, I only received {$100.00} from the XXXX XXXX  ATM. Therefore, I proceeded to file a claim for {$700.00}. I received a provisional credit on XX/XX/XXXX while the claim was being investigated. I then received a letter in the mail on XX/XX/XXXX regarding my claim update : it was denied. I was provided with a very poorly printed document that was comprised of multiple transactions from the ATM ( maybe a transcript, not sure ). The letter said that the bank relied on that sole document to come to a conclusion regarding my claim. I can barely make out what the thing says because of how discolored and dismal the document looks. But I can see where my transaction of {$800.00} was supposedly dispensed on XX/XX/2020. Inaccurate. The transcript just says what the ATM was supposed to give me, but that wasn't what happened. I appreciate the time and effort Bank Of America put into this claim, but it isn't just. The camera in the bank will prove my rendition of what happened. I have a full-time job, thus I don't have time to lie about an ATM error. Machines make errors, like theirs did. Sorry, that isn't sufficient enough to deny my claim.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX SELF-REPORTED XXXX UTILITY SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXX
Product: Debt collection

Ive received pre-recorded spam calls from Harris and Harris regarding a debt. I have no outstanding debts. The pre-recorded message provides no information. I am afraid to contact them for fear they will escalate harassing attempts to collect some debt I do not owe.
Product: Credit reporting or other personal consumer reports

Collection accounts showing that should not be on my credit report. Collection accounts were not verified. Companies provided no proof that I owed them. No record of me signing a contract with any of those companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts that's closed or negative ratings- XXXX XXXX XXXX XXXX XXXX Suntrust XXXX XXXX XXXX XXXXPolice Report #
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my Capital One credit card for over 10 years and never missed a payment. During the Covid-19 pandemic, I called Capital One and told them I would be late on payments as the Pandemic had cost me my job due to a state-mandated shutdown. Capital Ones response was for me to make any payment I possibly could afford, and if no payment was made that I could send a hardship letter at a later date to have negative items removed from my credit report. 

I complied with Capital Ones request until I contracted the virus in which I was hospitalized and suffered physically for months. Once I recovered I contacted Capital One and was told my account was delinquent and has been closed for nonpayment. Despite our verbal agreement during the Covid-19 pandemic, I also discovered that Capital one reported every late payment to all three credit reporting agencies, and I was told no agreement was noted on my account. 

On XX/XX/XXXX I was told to send a hardship letter to Captial One via mail, I complied, and once again, I received a response letter stating that Capital One does not remove negative items from credit reporting agencies due to hardship. 

Although the account was closed, I have made payments to bring my account current. On a daily basis, I receive harassing phone calls from Capital One trying to collect on a debt that is already set up for a payment plan through Capital One. When I tell the collectors to stop calling me as I have already set up a payment plan, they apologize and assure me that my name with being removed from their collection list, this has turned out to be untrue, as they call me every day with the same empty promises. 

10 years of perfect payment history, on an account that had a credit limit of {$700.00} and minimum payments of {$25.00} per month, and due to a pandemic that was out of my control Capital One deems fit to destroy my credit, all while ignoring Government policys such as the C.A.R.E.S Act which President Trump signed into law on XX/XX/XXXX, this Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances, in which I complied. 

While Capital One is a large company with billions backing them, I do not believe this should supersede the well being of their customers, at some point large corporations need to be held accountable and comply with laws and policies set forth to protect people from credit demise during pandemics and other monstrosities, we have no control over.
Product: Checking or savings account

On    XXXX   XXXX    my purse was stolen I called the bank to shut everything off and the said I have to come in NOW however my car keys were in my stolen purse On    XXXX   XXXX   I  came into the Bbt    XXXX    ga branch and was told I was too late as I was told to come in yesterday.   The banker,  manager  and tellers refused to allow me  (  as an irresponsible adult ) has lost all rights to choose to close account or to choose to change banks! It was n't until I asked a customer to call police for me that they allowed me to close accounts although at no time did they allow me to actually use my hands to even touch a very large stack of  XXXX  dollar bills that did belong to me!   I have received a call from  Bbt  customers service to my home on    XXXX   XXXX    from    XXXX   XXXX    informing me that branch managers erase their own tapes and all complaints need to be made to that branch manager.   I have a police report and was told he has a subpoena for that video but was also told I 'd hear from him before the end of the week last week!   I 've been in touch with  Corp bb &amp; T the y 've told me they 'll investigate and also told me to stop calling or emailing!   I 've been robbed of {$6300.00} my biggest concern is this is going to happen again to someone else! PLEASE PLEASE PLEASE INVESTIGATE THIS!
Product: Debt collection

XX/XX/2021, {$940.00}, submitted an ftc for identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

i already submitted a complaint - number XXXX i was called by wells fargo on XX/XX/20 and XX/XX/XXXX and was left a voice message by XXXX XXXX ? 
I called the direct number for XXXX back on XX/XX/XXXX, XX/XX/XXXX and XXXX and left detailed messages. i have not received one call back.
Product: Mortgage

Federal Law gives me the right to notify XXXX.of errors regarding the servicing of my loans which resulted in the foreclosure of my property. The " ASSIGNMENT OF THE DEED OF TRUST '' a total of XXXX with number XXXX recorded in the XXXX XXXX County Recorders Office XXXX XXXX on these dates : XX/XX/XXXX Doc # XX/XX/XXXX-XXXX and XX/XX/XXXX Doc # XX/XX/XXXX-XXXX and XX/XX/XXXX Doc # XX/XX/XXXX-XXXX. These Assignments are " VOID '' as determined by the XXXX Supreme Court case XXXX. I am requesting thatXXXX XXXX provide me with their accounting of this loan and copies of the Assignments.
Product: Credit card

Had a purchase declined on XX/XX/year> for ticket master around XXXX XXXX. Called CiTi ( Costco ) and was referred to fraud department. Spoke to XXXX the supervisor in XXXX XXXX office at XXXX XXXX. Gave them 3 telephone numbers for them to send verification texts or call and they were unable to get their system to work. They said there was nothing they could do. Left with a useless credit card. Said they could send paperwork in 10-15 business days. Unacceptable
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX and Regional Acceptance, 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 a account without my written instructions
Product: Mortgage

To Whom it may concern, My complaint is about the payments that you receive and DO NOT post in a timely manner. 
I sent a check on XX/XX/XXXX. As of XX/XX/XXXX and per XXXX XXXX in Customer Service, the phone payment I made on XX/XX/XXXX was posted and she gave me the confirm # I asked for. I explained that my check that was mailed is not showing as posted. She asked if I had cancelled, I told her " no '' because if they did get the check then that would cost me {$20.00} due to non cash-able check fee. XXXX XXXX asked if I would want check applied to next payment and I said yes, because we would be paying in a couple of weeks anyway. 
I mentioned that in the past, when my checks were mailed with tracking, it took only XXXX days to get there. But, maybe due to the weather, it was delayed. I asked where it gets mailed to and she confirmed XXXX Come to find out that afternoon, our bank showed that the check was cashed that very day ( XX/XX/XXXX. ) My question is... how come this payment was NOT posted to my account and showing at the time I spoke to XXXX XXXX? It takes a few days to get back to the bank. This leaves me to believe that Rounddpoint was holding this check. For what, to collect a late fee? a non- cash-able fee? to change the terms again, as they did in the past and was reported to the CFPB about? 
Sorry for inconvenience won't cut it. Why wasn't this check not posted in a timely manner? 

Reply expected.
Product: Student loan

I sent this complain to XXXX XXXX at XXXX XXXX XXXX and I was referred to you. 

Back on XX/XX/2018 I sent an electronic final payment of {$3000.00} to Navient via my bank 's bill pay option. When adding this payer to my bill pay, I added it as Navient, and the company was automatically recognized by the bank so I did not have to manually add the address.That is where the nightmare began. 

I checked my account about a week later, just to see my balance had not changed, and I had a payment due. I made the payment and just figured with the XXXX XXXX holiday maybe it would take a little longer to clear. Unbeknownst to me, the address that was added was The Education of Navient, and not Navient. I called Navient and explained my concern and was told by a Education of Navient representative on XX/XX/2018 that they are aware of misdirected check and the funds have been reissued to my bank, and it should take 5-7 days.

After another week, the funds were still not returned. I called back again and by chance talked to the same person and he apologized for misinforming me and that the process would take 4-6 weeks. Although I was not happy with the news, there was not much I could do, other than to continue to wait. After multiple calls after the 6 weeks had past I was then informed that the check went from the Education of Navient to the Treasury Department. The Treasury Department cashed the check, and The Treasury Department will be issuing another check to the bank. 
I have spoke to and visited my bank and they are also on the look-out for the funds. There is nothing the bank can do because it was a electronic check. In the meantime, I have sent 2 more checks to Navient, directly to their site to get this loan paid off.

It has been 12 weeks now and I do not have the {$3000.00} that was sent electronically to the wrong address and continue to wait.I would greatly appreciate any help that you could offer. I have all the supporting documentation needed.
Product: Checking or savings account

On XX/XX/2023 went to physical Bank of America location in XXXX XXXX, TX and deposited a $ XXXX Parent Plus loan refund check from University of XXXX for my son 's college. 

I received notice and deposit receipt that the funds will credit same day and full amount would be available next day on XX/XX/2023 ( next business day ). 

At XXXX CT on XX/XX/2023 received an email that BOA placed a hold on my deposit because information told them the check would be returned and funds will not be released until XX/XX/2023. But within my account, it states the funds will be available on XX/XX/2023 at XXXX CT. 

After I received that message, I called BOA once I received that message and the representative said that email was inaccurate and I should get an update on Friday, XX/XX/2023 and there will be a shorter hold because of the large amount. 

I am filing this complaint because according to banking regulations, they should only hold funds/checks for a reasonable period of time. After verifying with the payee that the funds have been released to BOA and also that the Federal Government ( Federal Student Aid Loan ID # XXXX ) released the funds in my name on XX/XX/2023 to University of XXXX and XXXX XXXX ( Loan Servicer ) this loan is in my name and I am currently being charge interest on this money that I do not have access to. Bank of America has this money on hold illegally by not releasing funds within 1-2 business days.
Product: Credit reporting or other personal consumer reports

I Requested the closure of XXXX saving account on XXXX XXXX via support live chat, the chat specialist answered me that the account was successful closed. After some time, i saw in my credit report that i had late payment for XX/XX/XXXX and XX/XX/XXXX. After contacting the company, i was told that the account can only be closed by calling the support service, which does not coincide with the conditions indicated on company 's website. The company refused to delete deliberately false records of late payment that were received after i requested account closure. Contacted with company with XXXXoodwill ask to removal and trying to dispute, but XXXX refuse delete that false info
Product: Credit card or prepaid card

HSBC Bank USA Credit Card Holders Beware I took too long to activate the HSBC credit card and it was placed on a security hold. The problem is that I can't reach the security team to clear up the issue. I requested customer service to cancel my account since the card has never been used, but that also has to go through the " security team. '' I'm placed on hold for 55 minutes, at which point the on hold music goes off and the line is silent. I've continued to hold for 1 hour 45 minutes with dead air before hanging up. I've been trying to reach them on hold every day for over a week, so this is not an isolated event like phone line problems. 

This is unacceptable. I have an open line of credit that I can't use or cancel. What if my card gets stolen or used fraudulently? How can I cancel it or report it to the " security team '' that is apparently non-existent? Hopefully I can cancel the card, but I'll never get back the hours of my life STILL ON HOLD right now.
Product: Debt collection

Credit Control has reported a collection account to my consumer credit file. I do not owe this alleged debt. If Credit Control has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL contractual documents stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt to be collected by Credit Control. Credit Control has no legal right to attempt to collect a debt as there is no balance owed to XXXX XXXX XXXX. Further, Credit Control never validated this debt nor sent me a notice of collection. I have learned that Credit Control is in violation of the FCRA and the FCDPA. At this point I ask that this non - validated derogatory account be removed from the credit bureaus immediately as this should not have ever been reported nor attempted to be collected on.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : 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

Try to dispute 3 accounts thats have been settlement and the company have not interest in these accounts. These accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts still affecting my credit report and credit score. Im a XXXX veteran that wants to by his first home and this accounts are restricted me from doing it. I have try to get them remove from Expirian, XXXX and XXXX XXXX with no results. I did send them letters wrote down and they didnt do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

i been a victim of idenity theft and had various accounts opened in my name with adverse affects to my credit worthiness and financial situation i cant open a bank account get a loan a credit card i cant even cash a XXXX check at XXXX. because of that i am forced to be on publIc assistance i have several checks i cant cash no bank will cash it no check cashing place will cash it who is the regulatory agency responsible for that because there guilty of defamation because i am being forced into poverty per whatever policies they are enforcing on me. whos responsible all the reporting agencies the regulatory agencies. i cant even claim my minors account because they wont let me use the account.. i am victim of idenity theft and by your inactions an infant and under the baby act. so why are contracts being enforced on me negatively. cfpb does nothing that benifits me
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Product: Credit card

My payment agreed to was XXXX dollars a month. This company upgraded their online system and as a result I could not pay my bill on time in XXXX. I called, they acknowledged it was a system error and they reversed the late fees and said if I paid XXXX dollars that would cover my bill until my XXXX payment. I have 18 months to pay off the bill with no interest. My XXXX bill shows XXXX dollars due now. I've tried calling and sat on hold for multiple hours trying to get to someone to talk about it without success. I finally got to a representative who was looking into it on XX/XX/XXXX. As I was on hold, the call dropped and no one called me back and the call center was then closed. The auto dialer for late payments calls after XXXXXXXX XXXX XXXX  which is illegal in XXXX. If you do happen to even answer the call, there is no one even on the line and it automatically hangs up once you say hello. My bill now shows XXXX dollars due but no breakdown on my bill as to what this amount entails.
Product: Checking or savings account

I HAVE OVERDRAFT PROTECTION ON MY ACCOUNT. I OVERDREW MY ACCOUNT OVER THE XXXX XXXX  THE RULES OF THE BANK IS TO HAVE YOUR ACCOUNT BACK TO A POSITIVE BEFORE XXXX THE NEXT BUSINESS DAY, MADE SURE IT WAS BACK TO A POSITIVE BEFORE THE NEXT BUSINESS DAY. THE BANK CHARGED ME XXXX XXXX WHEN I CALLED THEM TO DISPUTE THE FEE THE STATED THAT THEY COULD NOT REFUND THE XXXXXXXX XXXX EVEN THOUGH I HAD MY ACCOUNT BACK TO THE POSITIVE. THIS IS THE XXXX TIME THIS WEEK THAT THIS HAS HAPPENED WITH TD BACK. I EVEN SPOKE TO A SUPERVISOR ABOUT THIS. NOW MY NEXT STEP IS CONSUMER FINANCIAL PROTECTION BUREAU