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

Received a check from XXXX XXXX XXXX on XX/XX/2024, for damages to my home. XXXX XXXXXXXX XXXX ( payor ) bank - printed on the check is Chase. 

The check was written for an amount greater than {$10000.00}. 

The check was deposited into my ( payee ) Chase checking account on XX/XX/XXXX at a Chase ATM. 

The transaction receipt shows that the money would not be available until XX/XX/2024, because of a seven-business-day hold on the check. The seven-business day requirement then due to weekends turns into a 10 calendar-day hold on the deposited funds. 

A call was placed on XX/XX/2024, to Chase customer service. The situation was explained, and a boilerplate scripted answer was read on how nothing could be done to assist their customer with accessing their money. 

I can not begin any needed repairs to the damaged property because the bank that controls both sides of the transaction- Chase was unable to release the deposited funds until 10 calendar days later. 

Necessary repairs to my house will be delayed by almost two weeks because XX/XX/2024, is a Saturday, and repairs will not begin until at least, Monday, XX/XX/XXXX.
Product: Checking or savings account

banknof america froze my account i have no access to my account online or at atm i cant use my atm card cant ask what my balance is and they say they have to verify check dwposit lied ans said they trued to call check issuer XXXX XXXX they them said he needs to call but wont give refrence number for.him to call. they refuse to speak to him but tell me they are " trying to speak to him ''. he is also my attorney he tried to speak to the bank. they refuse to speak to him but tell me.they need to speak to him. my money has been frozen i cant access account nor can i see my balance. cant use mobile banking. wont tell me my balance. and they wont give me reason why. please help me they are being crazy at this point. i cant provide my account number because they deleted my online access!
Product: Checking or savings account

On XX/XX/XXXX approximately XXXX XXXX  I tried to deposit {$800.00} into my XXXX   checking account XXXX had in the past made such deposits through a US Bank at a other locations. the atm machine had taken the {$800.00} cash deposit when I hit print to get a receipt for the transaction the machine return most of what i had given it, but {$140.00} was missing, it was stuck in the atm, I went to the branch manager explained what had happen, he told me I had to file a Regulation E claim with my bank for an investigation to take place. So I have contacted customer support 3 times as of this writing with no help. To be honest they should have a ob in the banking industry when they know so little about rules and regulations. I'm asking XXXX XXXX  to use this regulation E to reclaim my lost money from the atm machine at that location. Here is the following information including a link to US Bank Regulation E procedure, the machine number is XXXX, this transaction took place about XXXX XXXX  on XX/XX/XXXX as stated earlier form using my card number ending in XXXX. Im asking XXXX XXXX  to do there job in helping me in recovering money that was taken. below is my name address phone number and a link to the US Bank E Code Regulation Im asking for XXXX XXXX  to do recover my lost funds ... thank you have a great day.. 



To whom it may concern : The above is the email I sent XXXX XXXX  My Bank, XXXX XXXX  says they have no record of this incident, U.S. Bank whom the compliant is about since it happened at the branch location they are the owners of the atm machine but it is serviced by a third party company they were the ones who instructed me to have XXXX XXXX  do an e regulation investigation into this missing un returned cash lost in the U.S> Bank atm machine they own. I'am asking for an investigation into my lost money of {$140.00} In U.S. Banks atm machine here is there information : XXXX XXXX XXXX Branch XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX The Atm Machine Indetifier at that location XXXX My home address and ph number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX  Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Delete this account. 

10. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 

11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. there is some inaccurate information reporting.

XXXX XXXX Account Number : XXXX Delete this account. 

13. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

14. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

16. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

17.The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect and an authorized inquiries were reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. 

Personal Information : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX : XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

on XX/XX/2023 i had ordered an XXXX XXXX XXXX XXXX  through the klarna app. The next morning i got an email from XXXX saying that there was a problem with my order so i just cancelled it thought the XXXX  website. I guess klarna didnt get the cancellation and they charged me {$580.00} for the phone like if i had received it. I contacted them and i told them i had cancelled the order, they told me that it does look like it was cancelled and that it would go through on XX/XX/XXXX and in 5-7 business days i would get a refund. I reached out to them on XX/XX/XXXX again because i was still concerned about my money and then they told me that they didnt see that klarna received a cancellation. i was confused because i thought that they were going to give me my money back 5-7 business days and its now been almost two weeks and i still havent gotten my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX by capital one is not reporting accurately. XXXX XXXX fico score does not update. XXXX XXXX will not delete the capital one accounts that are closed instead XXXX XXXX is reporting on XXXX XXXX and XXXX XXXX XXXX closed Capital One acconts as open. XXXX XXXX  will not delete duplicate accounts of Capital One XXXX XXXX does not report accurately on my credit profile to XXXX, XXXX and XXXX. XXXX XXXX only reports on my Capital One accounts. XXXX XXXX repair credit service does not do what it says it will do it appears to be bias to other accounts and does not consider accounts in good standing thus continuing to report on capital one closed accounts as open and curtails the score very low. Credit Score points never reaching ove 4 points but decreases monthly due to closed accounts being open. 
The total amount of debt XXXX XXXX is reporting is inaccurate. The credit usage is inaccurate. 
The XXXX XXXX shows average on for accounts paid on time this is unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third attempt with Experian trying to resolve this matter without involving legal action. May this complaint serve as legal documentation for litigation purposes. I have sent in several documents including my original police report to Experian about fraudulent accounts on my credit report and Experian has again recklessly failed to follow reasonable procedures to ensure the accurate reporting. I asked Experian to provide me with a reasonable answer to why and a method of verification in which Experian has failed to do so. Experian continues to show disregard for the FCRA. These accounts were opened as a result of identity theft and i provided this information with my police report to Experian but they have failed to remove these accounts nor have i received information as to why they continue to report these fraudulent accounts grossly effecting my credit abilities. Congress enacted FCRA in 1970 to ensure fair and accurate credit reporting, promote efficiency in the banking system, and protect consumer privacy. Due to Experians negligence of this act, I'm unable to have fair market value in applying for new credit. My next step is to contact my Attorney General in this matter. Im a member of the XXXX XXXX serving my country proudly, to be a victim of identity theft and having a private company like Experian not comply with Federal Law. I feel i have been victimized twice in this matter. May this complaint serve as a legal document for litigation purposes.
Product: Credit card or prepaid card

On XX/XX/2020. Checks for the full amounts owed were sent to each of these accounts from XXXX to Capital One : Capital One ending in # XXXX {$3700.00} Capital One ending in # XXXX {$680.00} Capital One ending in # XXXX {$2600.00} Capital One ending in # XXXX {$2100.00} Capital One ending in # XXXX {$3400.00} Total payment on these accounts : {$12000.00}. 
Prior to these payoff checks sent, I made my monthly payments due XX/XX/XXXX to avoid any late fees while these checks were received and processed by Capital One. 
I later received statements showing I owed interest on each one after payment in full was received. After sending them a letter priority mail on XX/XX/2020, asking why I was paying interest on top of interest, I received a letter on XX/XX/2020 letting me know the accounts were closed per my request, which I had requested they close since I was paying in full BUT no answer to my question. I attempted to call several times prior to mailing this letter but had not success in getting anyone on the line after waiting over an hour. I went ahead and paid the interest on these accounts which added to {$280.00}, out of fear I may be hit with a late fee. I attempted to call again XX/XX/2020. After waiting over an hour for a rep on phone, I was told I had to pay the interest on interest and also a residual fee after for each one. ( how do you pay interest on interest? ) Residual fee? On accounts paid in full? They said, that was their policy. 
Shortly after making full payments on these accounts, On XX/XX/XXXX, my husband lost his job due to COVID and is currently unemployed. I have struggled to pay these additional fees that I find to be an illegal act by this credit card company. I was told if I did not pay the additional fees, a late fee will be added on top. I should not have to pay interest or residual fees on a payoff amount that had not outstanding balance. I also requested a copy of their agreement stating they are allowed to do this. I never received a response or any response to any of my questions. Again, we are in no financial position at this time due to loss of unemployment to be slammed with extra fees. It is unfortunate that the timing on these payments made in full and my husband losing his job came at a worse time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, ACCOUNT NUMBER XXXX REPORTING 30 DAYS LATE XX/XX/2020 THIS INFORMATION IS NOT CORRECT. THIS ACCOUNT WAS NEVER LATE
Product: Checking or savings account

This is my second complaint over this issue, you all are charging excessive overdrafts. My account has been over-drafted for over two months, every time I make a deposit to bring it current it is swallowed by overdraft fees. I need you to waive some of these, it is ridiculous that I have made over {$900.00} in deposits and my account is still over drafted. I have made these deposits since my last complaint. Also when I called the contact center like the letter from XXXX XXXX stated to get a courtesy refund of overdraft fees and they had no idea what I was talking about. I have payed so many overdraft fees with this banking institution and I understand your rules. However I have ask to stop my overdraft protection a plethora of times and its ridiculous that these charges go through at your discretion when you see I don't have the funds to cover it. This bank is preying on people with financial issues by charging these excessive overdraft fees. I will start a class action lawsuit if I have because I know I'm not the only one that's being charges these fees. These fees are predatory to people being affected by the financial state of our country after covid and during this recession.
Product: Debt collection

On Wednesday, XX/XX/2021, J Ritter Law PC contacted me in an attempt to collect a debt. They knowingly gave me false information regarding whether or not I could resolve the debt with the original creditor. I had rented a textbook which was not returned at the time of the aforementioned call. I asked if I could simply return it to them, and was told that I could not do that and it would not resolve the debt. I called the creditor ( the bookstore ) and they informed me that if I returned the book all attempts to collect debt would stop and the issue would be resolved. J Ritter Law PC knowingly and wrongfully gave me false information regarding my debt in an attempt to get me to pay them.
Product: Credit reporting or other personal consumer reports

To whom this may concern my name is XXXX XXXX XXXX XXXX, and I've decided to compose this statement after reviewing my report. The accounts listed in this report should not be reflecting on my personal consumer report as they are in violation of 15 US Code section ( s ) 1681-E, 1681-I, and 1681S-2 of the Fair Credit Reporting Act ( FCRA ) as I am a federally protected consumer. I have identified the inaccuracies in which require immediate attention and correction per FCRA guidelines. I am requesting a through investigation into these discrepancies along with prompt removal to uphold the integrity of my credit report and my consumer credit history.
Product: Debt collection

I WAS XXXX  days behind on my car payment to Carmax Auto Finance. They have called me XXXX times a day for the last XXXX days even though I told them I would make a full payment on XX/XX/24. I made the payment on XX/XX/24 through my online account and still received XXXX additional calls from Carmax this morning, even though my account is no longer past due. 

I acknowledge that I owe this debt and am working very hard to ensure that it is paid in a timely manner. I have proactively called Carmax many times and have answered all of their questions and paid as I have arranged with them every single time so I don't understand the continued harassment.
Product: Credit reporting or other personal consumer reports

CFPB Subject : Dispute Regarding Civil Liability Under 15 U.S. Code 1681o Dear CFPB, I am writing to formally dispute the claim of civil liability against me under 15 U.S. Code 1681o relating to alleged negligent noncompliance with the Fair Credit Reporting Act ( FCRA ). I just had a claim into these allegations. The case number is XXXX, and they came back once again stating they verified the info but never provided me with a verification method, just saying it was verified as accurate. Out of the three items I asked to be disputed, one was deleted, and the other two came back as accurate. I asked for the same thing with each of these accounts and nothing was provided to me. I asked for a method of verification for bankruptcy and a collection account on my credit. 
I have asked them several times to provide me with the method of verification used, and they have never complied. They just sent me a notice saying the account holder says the information is valid. That is not a thorough investigation. I asked for proof, and none was provided. This is negligent, illegal, and a violation of my consumer rights. I take these allegations seriously and wish to clarify my position. Specifically, I would like to address several key points : 1. Compliance Efforts : I have diligently complied with the provisions of the FCRA, including [ describe your compliance efforts broadly, such as obtaining necessary reports and ensuring accuracy.

2. Lack of Negligence : The negligence claim is unfounded, as I have taken reasonable steps to prevent any violations.

3. Circumstances Beyond My Control : If applicable, highlight any external factors contributing to the alleged noncompliance.

4. Rectifying Actions : I have already addressed some potential issues. [ List any steps you've taken to correct the situation, including any communications made with credit reporting agencies or efforts to enhance practices related to consumer credit information. I would like these items to be deleted immediately.

Given these considerations, I respectfully request a review of this allegation 's circumstances. I believe that the information provided will demonstrate my commitment to compliance and my lack of negligence in this matter. I appreciate your attention to this dispute and am available for further discussions at your convenience. Please reach me at XXXX XXXX
Product: Debt collection

I received the attached letter via first class mail on or about XX/XX/XXXX. Prior to receiving this letter I had not had any correspondence with XXXX or AIC. Furthermore I have never purchased anything through XXXX. I have not attempted to contact XXXX or AIC, I was advised to leave that up to CFPB.
Product: Debt collection

Upon reviewing my credit report i noticed an account from action revenue recovery. First how in the world does a third party has my medical information. Second i have not been contacted AT ALL by this company. I would like to as a consumer be giving the right to dispute this account. It NEEDS to be removed IMMEDIATELY until they can prove it 's validity.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX 2017, around XXXX, my brother in law and I went to Key Bank to open a saving account. I carried a total of {$120000.00} cash ( which included 4 bundles, {$30000.00} each ) I handed to XXXX the first bundle and wished to deposit to my account. XXXX XXXX and XXXX guided me into the Branch Manager 's office to go through the transaction. XXXX went to retrieve the money from counting machine, which showed only {$29000.00}. She then informed me that the first bundle was short of {$500.00}. She carefully divided them into {$5000.00} each stack and gave them back to me. 

I then gave her the rest three bundles for the total of {$90000.00}. Meinast counted out this amount, but she did not place this in front of me, she placed it off to the side, instead. 

I told them that I wanted deposit {$100000.00}. I gave XXXX XXXX XXXX stacks, that XXXX gave to me earlier, that were {$20000.00} more to deposit into my account. She turned to me and asked how much I wanted to deposit into my account. She asked this knowingly that I had given her the wrong amount of money. I repeated that I wanted to deposit {$100000.00}. After this confirmation, neither employees presented my money in front of me, but instead, they both go to the back area of the bank for around 20 minutes. 

XXXX printed out and handed me the receipt for the transaction. On the receipt, the transaction was only for {$100000.00} even though I had handed over to them {$110000.00}. They did not give me back the extra money that I did n't deposit. 

When I left the bank, I had realized that both XXXX and XXXX had taken my remaining money. I could n't confront them because the bank was closed for the day and was also closed the next day due to XXXX 's XXXX XXXX. 

When I arrived home, I immediately called the bank. The male whom answered the phone did not identify themselves, I told my situation to this person and he said " I do n't think so. '' On Monday, XXXX XXXX, I returned to the XXXX Key Bank branch to speak to the XXXX. I was only able to introduce myself before the XXXX started yelling at me to leave the bank. He said that a lady will contact me whom has the clearance to view the cameras within the bank. 
This person calls me and then tells me that the footage on the cameras only showed that I handed to XXXX and XXXX only {$100000.00}. I had asked to speak to XXXX, but the branch XXXX told me that she had taken the day off due to sickness. 

On XXXX XXXX, I called XXXX to file a complaint. The phone operator that I had spoken to told me that they had emailed the branch already concerning my case. They suggested that I go back to the branch as they had already received the email. 

On XXXX XXXX, I returned to XXXX Key Bank to state my case again. Neither XXXX or XXXX were there but I was met with XXXX. After telling XXXX my situation, he told me that he could n't do much to help me. 

In conclusion, I had given XXXX {$10000.00} extra and instead of returning that amount to me it has gone missing. I lost {$10000.00}.