23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2020 the company XXXX advised me that a full refund would be on the account. They advised that the credit would appear in 10 days. It has now passed this timeframe and the email states that the credit would appear as of XX/XX/2020 I contacted Citibank that is affiliated with the Best Buy Visa Card. The amount of money that is due to be credited to me is {$530.00} this has yet to be seen on the Visa statement that is in dispute. The Citibank Visa Department has yet to handle this as they sent me to fraud which they advised is closed. This card is showing a huge balance and reporting incorrectly with the credit bureaus. I have advised them and the company which is big has been failing to make the corrections to my balance to correct my bureau for credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially submitted a complaint against this XXXX, XXXX XXXX, CFPB # XXXX, I was not satisfied with the results and their service, so I paid off the account as soon I could. XX/XX/XXXX, closing statement date showed a new balance of {$570.00} with a minimum balance of {$30.00}, stating, " Mailed payments must reach us by XXXX XXXX ET. '' On XX/XX/XXXX, XXXX XXXX XXXX  received my payment of {$570.00}, continued to charge me a finance charge of {$7.00}, and continued to charge another for the next two months. 

Each time I received a statement, I made several attempts to resolve this and was passed on from their new financial institution XXXX, back to XXXX, who claimed they could not credit my account since it was closed! Please bot the referenced complaint above XXXX chose to close my account when it was in good standing! Each month I fought to have them remove the fees and was told it would be resolved, and when I asked for documentation, I received none. 

In XX/XX/XXXX, and XX/XX/XXXX, I applied for a HELOC loan with XXXX XXXX  and was declined both times due to these recent past-due delinquencies. I received a vague letter from XXXX apologizing and claiming to fix the error, but no mention of what error. XXXX XXXX  insulted me by sending check # XXXX dated XXXX for over {$2.00} to credit me for the interest I overpaid. 

I have also attempted to dispute this thru Equifax, but they do not contact the creditor, only suggesting that I write a statement explaining my side, which is XXXX 

Someone needs to hold both companies accountable! I've given Equifax more than enough information to overturn this decision, and they updated the inaccurate delinquency from 2 30 days late to 60!!! 

My creditworthiness is ruined! I have NO delinquencies or past due accounts on my credit except for this inaccurate reporting!
Product: Student loan

XXXX XXXX, which bought my student loans from XXXX, recently sold them to Firstmark Services, effective XX/XX/2021. I attempted to submit payment electronically via online banking but it did not go through. I spoke to Firstmark who suggested sending checks, which I did, also through online banking. These checks were deposited by Firstmark, for {$170.00} on XX/XX/2021, for {$170.00} on XX/XX/2021, and for {$170.00} on XX/XX/2021. Despite following their instructions, Firstmark applied these three checks to only one student loan. Firstmark continues to badger and harass me about the second student loan, even though I called in several times and their representatives have requested that the misapplied funds be redirected to the correct loan. The last representative said there was nothing she could do to expedite the correction and that I would continue to receive collection calls until they sorted out the situation. This is obviously unacceptable.
Product: Debt collection

The company continues to send me notices to collect on this debt. The statutes of limitations and passed and I have sent them numerous letters to stop contacted me, however every couple of years I receive another notice.
Product: Checking or savings account

I have received a total of 3 {$29.00} NSF 's from one transaction that should have posted. On each time that the transaction was presented to be applied for payment, more than sufficient funds were available. Based on the convo that I had with the rep related to the posting order, this transaction should of been paid.
Product: Bank account or service

Discover bank is not honoring it 's promotional bonus of {$300.00} for a new checking account. I have met all the requirements as outlined in the terms and conditions of the offer below. I have contacted Discover regarding the bonus on multiple occasions including both telephone and email. Their initial response confirmed my eligibility of the offer. Their subsequent responses denied the bonus to my account. My efforts to obtain this bonus through Discover directly have been exhausted. The offer terms are included below, which have ALL been met : XXXX Offer Code : XXXX Open to current Discover credit cardmembers or deposit customers, excluding current or previous CashBack Checking customers. Account is subject to approval. To receive {$300.00} bonus : 1 ) account must be opened between XX/XX/XXXX-XX/XX/XXXX using offer code XXXX ; and 2 ) at least XXXX Direct Deposits of {$250.00} or more must be received within 90 days of account funding. Direct Deposit transactions are limited to : payroll, Social Security, pension, and government benefits. Bonus will be issued as a credit to your account within 30 days of completing all requirements. Account must be open when bonus is issued. Limit XXXX per customer per account. Bonus is considered interest and will be reported in IRS Form XXXX. Offer may be modified/withdrawn without notice.
Product: Credit card

To Whom It May Concern : Capital One My accounts WERE INCORRECTLY charged, due to first party fraud & account takeover, due to Identify theft. Due to first party fraud & identify theft, personal accounts were OPENED and used incorrectly while I was in the hospital. No one was authorized to open an account with Capital One CREDIT CARDS or TO be able to go in my personal checking account and withdraw money. There was fraud on my account, and I will upload all supporting documents including letters and emails that it was not me and I was not aware of suspicious charges or debit that was taking place on this or these accounts, due to the facts I was in the hospital from XX/XX/XXXX - XX/XX/XXXX. I would like for my funds to be credited back by check and all systems be update over the company so all delinquent past or present Capital One credit obligation ( s ) be removed from my name and account. 

Based on your application information, there are too many delinquent past or present Capital One credit obligation ( s ) Based on your application information, we observed activity on a prior Capital One account that is not consistent with our expectations for account usage or the terms of the account agreement Thanks, In advance Capital one XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any wrong accounts from my credit report. Could you check the documents? Some listed accounts have inaccuracies in reporting amounts and dates.
Product: Debt collection

CONVERGENT OUTSOURCING , INC . 
XX/XX/XXXX XXXX, FL XXXX Phone : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify CONVERGENT OUTSOURCING, INC. or any company associate with this account and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission CONVERGENT OUTSOURCING , INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
Product: Credit card

So Ive had this American Express account for years that I dont really use, just every now and again to keep the account open. I am moving soon and logged into my account to change the billing address this morning to see that my account was marked cancelled. I had not received any warning about this either before or when it happened, just saw it coincidentally today when I went into the app to do something else. I got on a customer service chat, initially just asking them to undo the account cancellation but was told that was impossible and it was recommended that I apply for a new card but I said it wasnt interested in that solution bc it would also put a hit on my credit. Then I asked when the account was closed and was told XX/XX/XXXX. I said that I hadnt been notified of this closure and the person replied that they had emailed me on XX/XX/XXXX ( they later supplied the text of this letter in the chat ). I have a lot of emails so it wouldnt have been impossible for me to have missed that email but when I checked ( all my inboxes including trash and spam ) there was no such email and the most recent email I had from American Express had been from XXXX and about a promotional offer. When I told them this they kept reiterating that the email was sent - which I am not arguing bc I cant prove that it wasnt ; I am merely stating that I did not receive it, nor another they reportedly sent when the account was actually closed. The customer service person reiterated that the email had been sent and there was nothing they could do or anyone I could speak to, but when I mentioned filing a complaint with the CFPB I was put in a chat with the supervisor. This person was also not helpful as they reiterated the same information from the first one. They did, however, add that while they receive undelivered notifications for physical letters, they do not receive the equivalent for emails. I am just frustrated bc I am being told there is no way to rectify the situation, so there is going to be a hit to my credit ( from the closure of an old account ) and while likely not huge, it cant be right that I have to pay the consequences for the closure without having been allowed the opportunity to prevent it.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX is reporting Docket # XXXX on my Experian Credit file. Due to the XXXX v. XXXX lawsuit, all Virginia Court filings should not be reporting. This is the only public record from a Virginia Court that remains on my credit files, most recently, I submitted a complaint about XXXX in XXXX 2016 and those accounts were deleted from my XXXX report. I was made aware of the XXXX Case while completing a Mortgage Pre-Qualification.
Product: Mortgage

Selene Financial has submitted a false credit report regarding my account, and still refuses to send me any statement of my account. 
On XXXX XXXX, XXXX, XXXX sold my mortgage to Selene Finance. In the subsequent XXXX months, I have paid the mortgage by phone on the XXXX of each month. On XXXX XXXX, XXXX, Selene refused to take my payment until I signed their mortgage agreement. When the sale of my house became delayed for 60 days, I signed the loan papers and immediately paid the new mortgage amount. 
Each time I have called in my payment, I have asked for a statement of my account. I still have not received any statement of any type. Fortunately, I have been sent receipts for my payments. 
Last month, Selene submitted an entry to my credit report that I have made XXXX late payments on the account. This report is not only false, but the number of XXXX late payments seems somewhat arbitrary. This will be my second complaint with Selene since they took over my loan XX/XX/XXXX.
Product: Checking or savings account

XXXX XXXX XXXX is a non for profit volunteer organization that has run youth baseball for around XXXX kids a year for many years. We had our treasurer who is now in jail deposit checks made out to our biggest vendor, XXXX Sports and deposited them in her personal bank account. Bank of America is the bank she used and they let her deposit a check completely made out to someone else and put in her personal account. I have the name and police report number so you can verify the above but you said don't put personal names on this complaint form. The checks were made out to XXXX Sports and signed by this person and deposited in her personal account. We feel this is complete fraudulent endorsement and Bank of America had lack of adequate banking controls to protect its customers. They are taking no responsibility in this and we are now out {$66000.00} in 76 fraudulent checks over a 12 month period. When we did our yearly audit we found the negligence on Bank of America and proceeded with prosecution of treasurer. She is now spending 3 years on guilty plea deal in prison. Our insurance company doesn't cover this type of loss and we our left with having our kids suffer for the pure unprofessional acts of Bank of America. How can a bank possibly think this is fair, they either had a employee in on the deal or had such a lack in banking skills that would allow someone to allow this to happen.
Product: Checking or savings account

I moved to XXXX  and need money transferred for my house closing. They refused without me visiting a branch. They have no branches in XXXX. They said I can write a check. I asked for a free check to do so. They said no. I asked how can I get my money out the bank. They said the only free way to do it is through bill pay. I initiated a bill pay to deposit in another bank. They took 10 days to send it and now the bank is holding it hostage. I will need a way to get the rest of the money out of my account. Why is it so hard to get my own money??
Product: Credit reporting, credit repair services, or other personal consumer reports

I Consumer and natural person am a victim of identity theft. XXXX, has used and furnished my consumer report without my authorization, consent or written instruction. They have neglected my rights as a consumer by allowing companies to to share my non public personal information without my consent, as well as using that information to furnish a fraudulent consumer report on my behalf. Congress makes it clear that as a consumer i have a RIGHT TO PRIVACY. This credit reporting agency also known as a financial institution has violated my federally protected rights as a consumer with right to privacy by failing to meet the needs of congress by ensuring that they exercise there grave responsibility with respect to the confidentiality of my personal non public information. XXXX is in direct violation of 15 USC 1681e ( b ) which states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM possible accuracy of the information concerning the individual about whom the report relates, in which XXXX failed to do this. XXXX is in direct violation of 15 USC 1681b regarding permissible purposes of consumer reports, in which I have not authorized, signed or given any direct instruction for XXXX to report these inaccurate and fraudulent accounts on my consumer report. Their Wilfull noncompliance which is a direct violation of 15 USC 1681n has caused me actual damages. The FCRA was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the consumer rights to privacy. XXXX is in direct violated of the FCRA law 1681s-2 by not holding up to its duty when furnishing consumer reports. XXXX is in direct violation of numerous laws under the FCRA and is also in direct violation of the Gramm Leach Bliley Act of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I was recently released from being XXXX XXXX for 16 years during that time my identity was stolen Im unable to get any answers or credit scores due to questions being asked that I can answer due to my information being used while I was XXXX XXXX. I can access XXXX, XXXX XXXX or any other service using my social security number. I need help with getting my identity back and what I need to do please
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX bank told me that they had decided to close my account and that they would no longer except my direct deposits. Instead they continued to except my direct deposits and decline all of my auto bill payments. This has cause my credit score to drop, this has also cause my loan balance due in full. Still today XXXX is holding my refund from my closed account every time during the about the XXXX I was told that my payment was already mailed. Today XX/XX/2023 I still haven't received my payment. I expect they will say that it's loss in the mail, so that they can start this process over.
Product: Checking or savings account

On the evening of XX/XX/year> I made a cash deposit into a Wells Fargo ATM machine in the amount of {$1100.00}. The brank location was closed, but I pulled up to the drive thru ATM in XXXX, CA in the intersection of XXXX and XXXX. The atm took my money and returned my card with an error message. I immediately pulled over and called Wells Fargo to file a claim. 

I received the claim number XXXX and was told it would be resolved within 10 business days, or my account will receive a temporary credit if additional investigation is needed. I received a temporary credit on XX/XX/XXXX. However on XX/XX/XXXX, I received notice that the claim was reviewed and there was no error found. I was also told my temporary credit would be reversed. I immediately called Wells Fargo and was told the ATM was audited and no overage was identified. I told them there was a mistake and I would like my claim to be escalated. I received another notice on XX/XX/XXXX " We have completed an additional review of your recent experience with us and determined that no further follow up is needed as there is another case which is in progress. '' There was no second review completed and both claims were closed simultaneously. 

My temporary credit was reversed on XX/XX/XXXX. I decided to go into the branch location and spoke to XXXX XXXX. The personal banker escalated my claim again and I have not heard back.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax and XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax and XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ). 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB/s recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB rake action to ensure Equifax and XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
Below I have listed the accounts that have not went through thorough investigation. 
- XXXX XXXX XXXX for {$270.00} - XXXX XXXX XXXX for {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX xxxxxx XXXX, Account # XXXX xxxxxx XXXX Account # XXXX xxxxxx XXXX, Account # XXXX xxxxxx 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT NAME XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT NAME XXXX XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX NUMBER XXXX ACCOUNT NAME XXXX  XXXX XXXX XXXX ACCOUNT NUMBER XXXX n accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I did not do this loan!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! XXXX XXXX WILL NOT PROVIDE ME WITH ANY TYPE OF INFORMATION OF WHERE A CAR/TRUCK WAS PURCHASED FROM AND WHAT OR WHERE THIS CAR OR TRUCK WAS REGISTERED!!! IF YOU CAN NOT PROVIDE THAT INFORMATION IT SHOULD BE REMOVED FROM MY CREDIT REPORTS ALL OF THEM. 

XXXXXXXX XXXX has been in the news for months about how they do XXXX people and I feel that is what is going on with this ; find a poor XXXX person and try and make their life harder ; XXXX people have to have XXXX plus just to be even considered
Product: Debt collection

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The XXXX and Equifax Bureaus Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 1. ORIGINAL CREDITOR XXXX Opened XX/XX/XXXX Balance {$140.00} ; 2. ORIGINAL CREDITOR XXXX Opened XX/XX/XXXX Balance {$120.00} ; 3. ORIGINAL CREDITOR XXXX Opened XX/XX/XXXX Balance {$810.00} ; 4. ORIGINAL CREDITOR XXXX Opened XX/XX/XXXX Balance {$1100.00} ; 5. ORIGINAL CREDITOR XXXX Opened XX/XX/XXXX Balance {$75.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

An account from XXXX XXXX XXXX  reported on my credit report without my knowledge from the credit bureaus. This ground for removal they also violated my rights under 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