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

On XX/XX/year>, at XXXX, I attempted to make a cash deposit at the Regions Bank ATM at their XXXX XXXXXXXX XXXX XXXX XXXX XXXX However, their ATM machine malfunctioned and retained my ATM card, thus preventing me from being able to complete my deposit. I then called their customer service department and spoke with an agent that assisted me by having me make a cash deposit into my business account, then while I was on the phone with her, she made a transfer for me from my business account to my personal account. However, after dealing with their malfunctioning ATM machine, then having to call customer support and wait on hold for XXXX minutes, it was now XXXX, which was after Regions XXXX XXXX XXXX ) cut-off time. Therefore, just as I suspected, they charged me a {$36.00} OD fee and returned XXXX pending payments to XXXX in the amounts of {$45.00} and {$44.00}. As you can see at the top of XXXX of my account screenshot pages, Regions Overdraft Grace period was still in effect until XXXX ( XXXX ) time, and had their ATM machine not malfunctioned, I would have been able to make the deposit before their Grace Period ended. XXXX is now charging me XXXX {$25.00} returned payment fees as well.
Product: Credit card or prepaid card

Hello, My husband and I both had credit card accounts with Capital One. We are stationed in XXXX on a military base. Capital One will not send paper bills. They require a US phone number to use their two-step verification process to see your bill online. We do not have a US phone number. I called them to ask for a resolution - essentially, how can we view our bill? They said there is no way for us to view our bill unless we get a US phone number. I cancelled both our accounts. However, Im registering a complaint because I cant believe its legal for a credit card company to refuse to provide a monthly statement. Thank you.
Product: Bank account or service

I have more than XXXX checking account at US Bank. XXXX account ( call it A ) was opened originally to exclusively receive social security payments for a minor child, but those payments had ended. To pay bills I use my personal checking account ( call it B ), for which I was running low on pre-printed checks. But I had a full box of checks pre-printed for A. XXXX took XXXX checks that were pre-printed with the account number for A, crossed out the account number, initialed the deletion, and wrote in the account number for B. XXXX used these checks to pay XXXX utility bills. The bank, however, treated the checks as being drawn on A and charged me fees for " insufficient funds, '' since there were only a few dollars left in the account. I want to contest the bank 's authority to interpret the checks in contradiction to their clearly expressed intent. I will probably be charged " returned check '' fees by the utility companies as well, causing me to be out-of pocket about {$100.00}.
Product: Credit reporting or other personal consumer reports

I wrote a letter asking that the old accounts that are closed be deleted, and I also requested on 2 different occasions that the late payments reporting to my consumer report, be deleted from my consumer report, or delete the accounts all together.

15 US CODE 1681e ( b ) - The Fair Credit Reporting states that Transactions, experiences, authorizations, and approval of credit aren't included in your consumer report. 15 US CODE 1681a -Definitions- Rules of construction-paragraph 2 -- Exclusions -Paragraph ( a ) & ( I ). Exclusions- Except as provided in paragraph 3. The term consumer report does not include any report containing information solely as to transactions or experiences between the consumer, and the person making the report. This law states that transactions are not included in your consumer report.
Product: Checking or savings account

I open and account with. Capital One 360 Checking and Capital One close my account without my permission because of fraud activity please help me fix this problem
Product: Checking or savings account

I wrote a check to XXXX XXXX XXXX for {$8200.00}, and when they deposited the check, Wells Fargo paid him {$8300.00}. 
I brought this to their attention, but to my dismay, they refused to credit me the {$100.00} payment. Instead, they removed the check from the XXXX 's account and callously refused to return it to me.They even went as far as to manipulate the situation, making it appear as if I had written the check for the wrong amount and posted it in my account for the wrong amount. 
After they removed the correct check from the XXXX account, causing me to purchase a bank check for {$10.00} plus fees to put a stop payment on the correct check, I wrote so that it could not be redeposited. 
They owe me my original check, which can not be redeposited, which they took out of the XXXX 's account. In addition to my bank check fees and the fees I had to pay to put a stop payment on the original check.
Product: Credit reporting or other personal consumer reports

Experian will not allow me to dispute an account that I previously disputed even thou they will not disclose to me the method that was used to verify this after I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. I contacted XXXX, XXXX, and Trans Union regarding the reporting of inaccurate information that each of said companies are currently reporting incorrectly.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint because XXXX, Experian, and XXXX are reporting accounts on my credit report that are past the seven-year reporting period, in violation of the Fair Credit Reporting Act ( FCRA ). The following accounts from XXXX XXXX are outdated and should have been removed from my credit report : XXXX  # XXXX Balance : {$3800.00} Closed Date : XX/XX/year>XXXX  XXXX  # XXXX Balance : {$2800.00} Closed Date : XX/XX/year> These accounts have exceeded the seven-year reporting limit, yet they are still being listed on my credit file. I have disputed these accounts in the past, but they have not been removed, and this is causing ongoing harm to my credit report. 

According to FCRA Section 605 ( a ), negative information must be removed from a consumer 's credit report after seven years from the date of first delinquency or account closure, whichever is later. These accounts should no longer be reported, and I am requesting immediate removal. 

Desired Resolution : I would like the CFPB to ensure that XXXX, Experian, and XXXX remove the outdated accounts from my credit report immediately and provide written confirmation of this action. I also request that they comply with the FCRA and FDCPA guidelines by removing the information that is no longer legally reportable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to the collection accounts associated with my name. Specifically, the accounts with XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX. 

Regarding the charge off account with XXXX XXXX ( account number XXXX ), I have no record of ever opening an account with this company. I believe this account was opened fraudulently and without my knowledge or consent. Therefore, I request that this account be removed from my credit report immediately. 

Regarding the collection account with XXXX XXXXXXXX XXXX XXXX XXXX. ( account number XXXX ), I am willing to negotiate a payment plan to resolve this account. Please let me know the options available to me. 

Regarding the collection account with XXXX ( account number XXXX ), I do not dispute the validity of this account. However, I am currently experiencing financial difficulties and can not afford to pay the full amount owed at this time. I request that a payment plan be established to resolve this account. 

Regarding the collection account with XXXX XXXX XXXX XXXX XXXX  ( account number XXXX XXXXXXXX ), I have no knowledge of this account and request that the debt be validated before any further action is taken. 

I am committed to resolving these accounts and improving my credit standing. Please let me know the next steps to take in order to resolve these issues. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Bridgecrest nor any of its DBA's/subsidiaries hold a Supervised Lender License as required by Kansas UCCC 16a-2-301 ( 1 ). In order to lawfully take assignment or service a loan, Bridgecrest must hold this licensure and be registered through NMLS, as well as through Kansas Office of the State Bank Commissioner. Bridgecrest has accessed my nonpublic personal information monthly to tarnish my reputation and coerce payment on an alleged debt that I do not owe nor was/is Bridgecrest properly licensed within my state to enforce any alleged rights within a Retail Installment Contract. Therefore, any relaying of information in conjunction with this allege retail installment contract is unlawful and void. If a lender takes assignment, it must file notification AND possess a supervised lender license as the Retail Installment Contract calls for a supervised loan bearing more than 12 % interest per annum. Bridgecrest has been requested to cease and desist all communication and delete this unlawful tradeline. Bridgecrest has not taken any of my requests seriously and continues to defame my character with its unlawful access to my credit file and furnishing libelous, derogatory information in which Bridgecrest has no authority. Bridgecrest has subsequently sold the unlawful contract to Persolve, who is also not licensed to collect or enforce supervised loans in Kansas. This is my last attempt to request the deletion of this improper and unlawful furnishing before litigating actions ensue. Please see the attachment from the OSBC Kansas Search Results invalidating any authority Bridgecrest alleges to have. A complaint with the OSBC has been filed also.
Product: Checking or savings account

I called and asked to close the account and to have a written letter sent confirming the account is closed. The account remained open despite the company 's assurance that they had closed it. Eventually I attempted to close the account via the online portal, but I still have not received confirmation that the account is closed.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be updated. 
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.

Never Sent the periodic statement along with the disclosures from section 1637 ( 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 1002 and It was never provided. 


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


Update the late payments from my consumer reports
Product: Student loan

I 've been trying to rectify my loans since XXXX, calling, emailing and faxing dozens of pages of information, in order for my Income based repayment plan to reflect my current income. They called me about 4 weeks ago telling me i was still past due ( they had recieved my pay stubs weeks prior and did n't process them, and after talking to them they FINALLY tell me that my loan payments have been straightened out in accordance with my financial information, and told me what my payment would be and that is would be due XXXX XXXX, only to log in on XXXX XXXX to make a payment and find that they are STILL asking me for almost 10 times what they told me my payment was supposed to be based on my financial standing.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXas never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. 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 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 months that are reported late 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 Never Sent the periodic statement along with the disclosures from section 1637 ( 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 1002 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: Credit card

This company has continued to send robo calls and emails for the past 3 months after I explained that I could not make any minimum payments and blocked their robo calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

We requested late payments be removed during XXXX time period since we should have been protected by the CARES ACT. The mortgage company/bank did send a letter on XX/XX/XXXX l, 2023 to all XXXX credit bureaus requesting that the late payments be removed for XXXX mortgage loans ( second one was XXXX  ). The main mortgage loan lateshave been removed, however the second loan account lates have not been removed yet. It has been 45 days since the request to remove, and needs to be updated immediately as we are trying to purchase another home and this is keeping us from doing so. I am attaching the letters from the bank/mortgage institution for proof.
Product: Credit card

My Citi Bank card was charged on two separate times at a XXXX XXXX XXXX that was not done by me. The amounts were for {$210.00}, and for {$55.00}. Both charges were done on the same date of XX/XX/2024. I didn't notice these charges until I viewed my statement some days later. Once I saw them, I immediately filed a dispute via my Citi Bank app. After several more weeks of not hearing any response, I called in and spoke with customer service. I was told that the request was denied due to " lack of information. '' I then re-submitted a dispute with customer service on the phone, providing all information they requested. That I did not loose my credit card, that I never lost posession, loaned, or allowed anyone else to use it, etc. They submitted the dispute, and again weeks went by with no answer. I called them again, and was told that my dispute was again denied. The lady explained to me that they were denieing my claim because my credit card is a " chip '' card, " and is unable to be scanned, replicated, or hacked. '' That is absolutely absurd, and false. Around the same time frame of XX/XX/XXXX, my debit card and another CC were also frauded, and the other company had no issue refunding and correcting the issue. In fact, the bank explained to me they were dealing with lots of " hot '' charges at the time and were aware of RF scanning in our local area, and assured me that even the newest chip cards were unfortunately not completely safe from being scanned at gas pumps, rf scanning devices etc. 
I called Citi Bank again to try to re-open the claim and provide more info, and was told I could not do that. The lady gave me the advice of " the only thing you can do is HAND WRITE a letter to the President of the bank, and ask him for your money back. '' Laughable at best. Not only was the customer service at Citi Bank a joke, but the fraudulent charges have just been collecting interest charges. I don't know what else to do. I've been a resident in this town for 30 years, and have been XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not make the charges, and am requesting something be done to correct these issues.
Product: Credit reporting or other personal consumer reports

Under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist. 15 USC 1692g,15 USC 1666b,15 USC 6801,15 USC 1681A2 , 15 USC 1681S-2 .

This is not my account. This is being reported in error. FCRA requirements met and pursuing litigation. All data furnished, inconclusive and not accurate. Past the thirty days to acknowledge the violations of FCRA, therefore immediately remove.

Under FCRA Section 611 ( a ) ( 1 ) ( A ), which requires consumer reporting agencies to conduct a reasonable investigation into disputed items within 30 days of receiving notice of the dispute. The failure to comply with this provision constitutes direct removal.

15 USC 1681S-2, 15 USC 6802 , 15 USC 1681 ( a ) ( c ), 15 USC 1681C-2 , 15 USC 1681A2 ( ai ), 15 USC 1681 Section 602 , 15 USC 1681 Section 604A ( 2 ), 15 USC 1681a, 15 USC 1666B I dispute inaccuracies on my credit report citing FCRA Sections 611 & 607 ( b ). Request prompt investigation and correction. Provide written investigation results and updated report. Prepared to seek compensation for non-compliance. Ensure FCRA adherence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Tried to get transunion to get this bankruptcy off my transunion report due to this not being mine and its being reported incorrectly, Transunion has always told me that it was verified by the courts them selves which is a lie due to me calling and asking the Court Clerk to see how they verify bankruptcy 's and the Clerk told me that they dont give out any of that information so right there it cant be verified by the original creditor which is the Bankruptcy  XXXX  and for another thing why would someone file bankruptcy if their liabilty is  XXXX  and the  XXXX  amount was  XXXX  also so there is never a person that is going to file a bankruptcy court case if they dont have any debts so Again I am asking for Transunion to Get rid of this bankruptcy off my credit report.
Product: Student loan

Navient-formally Sallie Mae under the Virginia code had five years to collect upon my delinquent debt or sue me. When the five years expired, I sent them a cease and desist letter. Instead, Navient has continued to harass and call, threatening to sue and take actions to which they can not. I also notifed them that in trying to collect upon my dept they broke several laws- trying to trick family members, claiming they are above consumer protection law when trying to work with... etc. Now they continue to send notices and call and leave threatening messages for my family. 

They have no right to claim anything- especially when I told them this and tried to explain everything the first time they tried to harass and lie their way to trying to get me to come out of delinquency. XXXX marks 10 years since the original loan. This needs to stop.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX : {$21000.00}
Product: Money transfer, virtual currency, or money service

I sent two {$180.00} payments to XXXX XXXX, user name $ XXXX, phone # XXXX, email address : XXXX, through CashApp for tickets to the XXXX XXXX concert XX/XX/2024. ( I thought I had done my best to vet out the seller, XXXX, after speaking with him on the phone, via XXXX and email ) Tickets were sent and were very convincing fakes ) I was sent false tickets that were denied at the door. I have tried reaching out to XXXX multiple times with no response. My bank was notified on XX/XX/XXXX immediately after finding out the tickets were fake. My bank said I needed to work with CashApp to get a refund. 
I have followed XXXX procedures to get a refund and XXXX is not responding to those either. I have reached out to XXXX customer service and they said to just keep trying to get him to refund me, that there was nothing they could do and that I just shouldn't have sent the money. I asked to speak with a manager higher up the chain of command and was told none were available and they would only contact me via email. I am still waiting for a managers email. 
Upon researching further the useXXXX XXXX XXXX  is a serial scammer on CashApp. I am not the first person who fell for his scam and yet CashApp continues to support him receiving money. They are a company who are openly supporting criminal activity.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Experian regarding their inaccurate reporting of a balance on my closed account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please note Experian never follows up or investigates anything. I have months and months of documentation on them and a lawsuit will follow next. 

I disputed these issues with Experian, as the ongoing reporting of a balance on this closed account is both misleading and inaccurate. This situation violates several provisions of the Fair Credit Reporting Act ( FCRA ), including : Section 1681i : The right to dispute inaccurate information in my credit file.

Section 1681s-2 : The requirement for furnishers of information to provide accurate and updated information to credit reporting agencies.

Section 1681e ( b ) : The obligation of credit reporting agencies to ensure maximum possible accuracy in the information they report.

Section 1681c : The rule that closed accounts should not continue to show a balance.

Despite my attempts to resolve this issue directly with Experian, they continue to report an incorrect balance on this closed account, which is adversely affecting my credit score and financial standing.

I request that the CFPB investigate this matter and take appropriate action against Experian for their failure to comply with the FCRA.