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

XXXX XXXX XXXX XXXX, XXXX, WI XXXX A week ago, at XXXXclock to XXXX clock at night. I mistake my old credit card as my debt card to deposit money for more then 900 less than 1000 to the ATM. the ATM screen show exact same as you put the debit card in to the machine. I thought I use the right card until I try to print a receipt. The screen shows invalid card. My money is eaten by the machine. So I wait tomorrow morning to the branch bank. The people work there doesn't help and have bad attitude. They told me you have to call the credit card number because you deposit money in your credit card. Then my questions are 1.ATM is in the branch bank, so US bank is not related to the US bank ? 
2. My intention is to deposit in my debt card. The money is eaten, Credit card is invalid. 
How could just call the credit card number to solve the problem. 
3.How often is the ATM got checked. There are extra money there. Who is gon na have those extra money. 
I call the credit card number, they tell me to talk to the branch bank. I am so confused, after a few phone call. There is someone really nice to help me claim a file and told me they will investigate in 45 days and tell me the result. After left a review on XXXX. US bank try to contact with me. And someone told me I will get about 900 dollars as credit in ten days, but After ten days, my bank account doesn't show those amount, so I call them again, they told me the amount got denied. I feel like some people work there is not well trained or the system is not good enough. Could you help me get the money back. This money is for my tuition in fall.
Product: Debt collection

This debt is over 3 years old and the collection agency is reporting it as a debt from this year. They are not showing the date of last activity with the credit grantor as required by law
Product: Mortgage

Repeating attempted to refinance with Wells and they turned me down. I think it occurred because I was a XXXX, XXXX XXXX I eventually tried with another company and I was approved immediately at a low interest rate. 

I think I was denied due to XXXX XXXX XXXX XXXX. I am not a male which I believe contributed to the multiple denials.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not all opened by me. This has been hurting me as I am in the process of buying a home for my family. please remove these fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or delete. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims, and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00}
Product: Vehicle loan or lease

Customer service representatives did not facilitate the state-to-state transfer in accordance with XXXX  policies or state law. 
Customer service representatives did not take responsibility or accountability for correcting their mistakes in a timely manner on multiple occasions. 
Customer service representatives refused to let me speak to a supervisor on several occasions. 
Supervisors/Specialists did not take accountability or responsibility for correcting the errors and facilitating the transfer in accordance with XXXX  policies. Customer service supervisors failed to assist when it was clear that the representatives had repeatedly dropped the ball and failed to take care of the issue. 
XXXX released my private, electronic financial information to an entity that I did not request nor consent the release be made ; in fact XXXX  released my private, electronic financial information to an entity that I expressly stated I did not it released. 
6. I filed a written complaint with XXXX  via certified mail. A representative called me when I was unable to take a call, twice. I have called back approximately 10 times and left messages with the representative requesting a call back and have not received one. When I call the customer service line, I get a representative who can do no more than what happened for the previous months trying to get this handled. 
7. I am getting emails from XXXX with someone elses name on it which has me highly concerned for the privacy of my own information and what will happen to my title once the car is paid off. 

I need help getting my title transferred to the appropriate DMV in a timely fashion. 

I have a significant amount of detailed additional information about this issue.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXXXXXX 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 XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB complaint to address the Credit reporting Agencies inability to verify the information being reported on my Credit Report as well inability to report accurate only information my Credit File. I previously sent a letter addressed to the Credit Bureaus requesting that the Credit Bureaus take their time to verify the information being reported on my Credit File. I believe I am victim of Identity theft and the items I am disputing were the results of such crime. I Started disputing my Credit File on XX/XX/XXXX under the provisions of the Fair Credit Reporting Act section 605b and the last letter I sent to the Credit Bureaus was dated XX/XX/XXXX. The Credit Bureaus have failed to remove the disputed items completely from my Credit report and insist that the information they report are accurate and verified. I do not agree with their findings and demanded proofs of verification for me to be able to verify the information myself. But the Credit Bureaus have also failed to send me copies of documents to support their claims. I am now submitting this CFPB complaint to order the Credit Bureaus to remove the disputed items completely from my Credit Report as soon as possible for they have failed to comply with my requests. I need the following items deleted immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXXXXXX XXXX XXXX DEPT OF EDXXXXXXXX XXXX XXXX XXXX
Product: Mortgage

Purchased property XX/XX/XXXX. XXXX was in rough shape. We spent over {$100000.00} upgrading : plumbing, electrical, flooring, kitchen, bathrooms etc. 

US Bank has refused to release the PMI The current mortgage balance is roughly XXXX on this property that XXXX XXXX has assessed for XXXX, according to the XXXX XXXX assessor this property has a market value of $ XXXX. 

We reached out to US Bank mid XXXX, XX/XX/XXXX and again XX/XX/XXXX to request a real estate appraisal to view upgrades. all XXXX requests have been denied. 

We are current with our mortgage and have not been late with our monthly mortgage payments in the past. 

Request assistance to get US Bank to release PMI coverage
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU
Product: Debt collection

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

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ENHANCED RECOVERY CO L XXXX Balance {$450.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX, XXXX and TransUnion To whom it may concern, I am writing to update/correct my personal information on file with the three credit reporting agencies. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXX, Fl XXXX Please update my name to : XXXX XXXX XXXX My only and correct birthday is XX/XX/XXXX My only social security number is : XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office and they are not reportable as per the FCRA, since they are inaccurate. 

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXXXXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

The information reported on these reports is in accurate. Could you please verify it?
Product: Credit card or prepaid card

On XX/XX/2020 I called American Express credit card company to request a total balance payoff figure and instructed the agent I wanted to pay the final balance and close the account. I was quoted a number of {$7500.00} by the agent as final balance. That dollar amount was dispersed to my card account at American Express with my instructions to close the account. The agent read me a statement saying the account was now closed. 

Around the first week of XXXX, 2020 I received a statement from American Express ( AE ) saying I owed approximately {$80.00}. I called AE three times and requested a manager return my call. I received one return call and I then tried to return that person 's call and spent one hour on hold waiting for the individual who was in a meeting. I finally gave up. I sent a certified letter to AE stating that I had asked for a final number and closed the account on or around XX/XX/XXXX. I stated I had no intention of paying any further fees. The card was can cancelled no charges were made by me. AE sent me a storm of letters all conflicting with each other about the status of the account. Another statement arrived saying I still owed the {$80.00} and late fees. 

I sent another letter with my original explanation and stating I would not be held to these fees since I has asked for a final balance and paid it. I was told that my account was accumulating " rolling interest '' and that I must pay it. I disputed this again, in writing saying I had asked for a final balance and paid it. 

I then received another blizzard of letters all conflicting with each other from AE. 

This so called rolling interest is not at {$110.00}. The latest letter said I must pay it as it is a part of the card holders agreement. My position is that this is just another hidden fee that credit card company harass customers into pay. 

I'm not paying. I will continue to fight this ridiculous matter even if I have spent hours and postage doing so. This type of fee charging must stop.
Product: Credit card

Complaint Against Total Visa  XXXX XXXXXXXX XXXX XXXX XXXX XXXX for Unfair Lending Practices & Potential Violations of Federal Law I applied for a Total Visa Card, issued by The Bank of Missouri, and was required to provide income verification. I conditionally accepted their request and formally asked them to provide a legal basis or contractual obligation that mandates income verification from me, the creditor, before I disclose private financial information. 

Total Visa has refused to provide this information and has instead stated that my application will be considered withdrawn if I do not comply. Their failure to substantiate their demand raises concerns about unfair lending practices, potential violations of federal law, and consumer rights infringement. 

I believe Total Visa 's actions violate my rights under the following laws : 1. Equal Credit Opportunity Act ( ECOA ) 15 U.S.C. 1691 ECOA prohibits credit discrimination based on non-financial factors and requires lenders to provide clear reasons for adverse actions ( 1691 ( d ) ).

If a creditor requires income verification, they must justify it based on consistent and non-discriminatory policies and can not arbitrarily demand financial disclosures without cause.

2. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 Any adverse action ( e.g., withdrawal of my application due to lack of income verification ) must be properly documented and disclosed in compliance with 1681m.

If Total Visa is using income verification as a pretext for potential denial, they must provide a written adverse action notice, which I have not received.

3. Truth in Lending Act ( TILA ) 15 U.S.C. 1601 Creditors must ensure fair and transparent lending practices under Regulation Z, which includes clear disclosure of underwriting criteria.

If Total Visas policies are misleading or not applied consistently, they could be in violation of federal lending transparency laws.

4. Unfair, Deceptive, or Abusive Acts and Practices ( UDAAP ) 12 U.S.C. 5531 The Consumer Financial Protection Bureau ( CFPB ) has enforcement authority over unfair credit practices under UDAAP.

Total Visas failure to justify their income verification demand and their threat to withdraw my application without due process may constitute deceptive and abusive lending behavior under CFPB jurisdiction
Product: Checking or savings account

XXXX XX/XX/21 I deposited check for XXXX. I called my bank on XX/XX/21 to see if the check was clear I was told by my bank it was. I did not touch the money until the XX/XX/21 and sent the money back at the request of the person who wrote the check. Later my bank said the check had BREACH OF WARRENTY and charged me back the XXXX. So now the person has XXXX I would like to get my money back. I would never have sent the check back but td bank told me that the check was good XX/XX/21 so I sent the check back to the company XX/XX/21. I am asking them to put my account right with the XXXX since they allowed a debit on XX/XX/21 which is way beyond the date they should have allowed to debit my account, the 5 to 7 business days had passed and the debit should have been denied. 
thanks
Product: Debt collection

Kay Jewelers and XXXX XXXX XXXX has/have reported to the credit reporting agencies that I have bad debt ( {$850.00} ) or bankruptcy XXXX  XXXX. This KAY Jewelers charge card account was opened in XX/XX/XXXX. Kay Jewelers are reporting that the debt was discharged in XXXX XXXXXXXX. Any XXXX XXXXXXXX ever filed using my name was dismissed in XXXX. KAY Jewelers is also reporting that it was charged off in XXXX. I reside in the state of Georgia. The statute of limitation has expired for any debt collection in reference to this KAY jeweler account. kay JEWELERS SOLD MY ACCOUNT TO XXXX WITH PERMISSION have disputed this with XXXX, XXXX, and XXXX XXXX reporting agencies on more than one occasion. XXXX XXXX removed this account but KAY JEWELERS still reporting and needs to remove the entry and complete account and line entry from my credit profile immediately. I have contacted all parties involved and filed disputes. I am prepared to take legal action and complaints to XXXX and FTC. THESE COMPANIES ARE IN violation OF THE FAIR CREDIT REPORTING ACT.
Product: Mortgage

on XX/XX/XXXX i applied to newrez for a refinance of my current mortage.i was told to submitt my rental agreement on my rental property .i was told to submitt my taxes for XXXX.an XXXX.which i did.XXXX  XXXX XXXX. told me if i wanted to lock in the interest rate of XXXX i needed to order an pay for an appriasal of XXXX dollars. which i did that as well. 2 weeks later XXXX XXXX called me .an said the proccesor .questioned why did i take a loss on my rental property .i explained .to XXXX XXXX that my tenants loss both their parents .he an his wife didnt work .because of covid.i myself had covid .i worked for XXXX XXXX, in XXXX XXXX.i myself was off work for XXXX.today XXXX XXXX told me that the processor denied my application for refinance because they didnt want to except my rental property. although i recive XXXX from my retirement XXXX from social security an XXXX from my rental. i was refinanceing to pay off bills .an help my grandmom. i believe newrez is not acting in good faith. in there lending practises.newrez has had my mortage for at lease XXXX i have never been late or missed a paymhis is not fair an i hope other people that my need help do not have to endore this type of treatmeant. thank you XXXX XXXX. XXXX XXXX XXXX