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

In XXXX, XXXX  I reported to Union bank number of unauthorized transactions totaling {$5800.00} that have posted to my card ending in XXXX. 

On XX/XX/2022 the Union Bank denied my claim using the regulation E and stating that I was negligent in promptly notifying them and imposed liability on me in the amount of {$5700.00} honoring only {$110.00} to conclude the claim. 

I am appealed that the bank would use such a lame excuse in order to deny consumer protection that is guaranteed by the law. 

The regulation E makes it clear that the consumer is entitled to receive protection under regulation E even in consumer acted negligently.

The financial institution did not consider all the relevant information regarding the protection.

Regulation E takes into consideration extension of time limits due to extenuating situations.

In the past six months I have had to travel overseas for four weeks at the time to take care of a terminally ill father in law. I was absent from the country for many, many weeks.

I have communicated about my position to two different banking representatives and explained that since I was out of the country for very prolonged blocks of time I may have not acted by the books, and that I did not discover some of these unauthorized transaction on time. The larger debits that amounted to over {$5000.00} were reported within the 60 day time limit. The bank did not consider any of these facts when creating greater liability on me then premiered by the law. The bank representatives kept stating that I am not protected and were not introduced in hearing about the hardships that I was facing with extended travel and terminal illness of my close family member.

I am asking the CFPB to investigate and provide me with the protection that is guaranteed to me by the law. 
XX/XX/XXXX number of transaction with union bank reported them as soon as i seem them. XXXX union back denied the claim they only covered {$100.00} and the rest I'm just out all that money. I tried another time to get them to cover and no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX XXXX ) is reporting on my personal credit file with Equifax, XXXX, XXXX ( Credit Reporting Agencies ). This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CRA & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the CRA & DF have not provided me with any evidence of an open contract, signed contract or any valid proof that this was opened, authorized or created by me.
Product: Credit card or prepaid card

Hello, I have no knowledge of these charges. I 've never heard of these transactions and I never gotten anything from them. 

XXXX/XXXX/XXXX XXXX : XXXX XXXX {$460.00} XXXX/XXXX/XXXX Auth : XXXX # XXXX {$89.00} XXXX/XXXX/XXXX Auth : XXXX XXXX XXXX {$360.00} XXXX/XXXX/XXXX Auth : XXXX {$3.00} XXXX/XXXX/XXXX Auth : XXXX {$1.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$10.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$28.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Euro {$10.00} XXXX/XXXX/XXXX Frgn XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8.00} XXXX/XXXX/XXXX Frgn Trans Fee-XXXX XXXXy XXXX {$0.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$850.00} XXXX/XXXX/XXXX Frgn Trans FeeXXXX XXXX XXXX XXXX XXXX {$25.00} XXXX/XXXX/XXXX XXXX Delaware De {$570.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX/XXXX/XXXX Frgn Trans FeeXXXX XXXX XXXX Pr {$5.00} XXXX/XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$52.00} XXXX/XXXX/XXXX Frgn Trans FeeXXXX XXXX XXXX Pr {$1.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX {$63.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$99.00} XXXX/XXXX/XXXX Frgn XXXX XXXXXXXX XXXX XXXX Pr {$2.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX By phone at XXXX or fax at XXXX To Whom It May Concern, When I recently tried to open a checking account, I was informed that I had negative entries in my ChexSystems record. 

The Following Informations and Inquires is a result of Identity theft and was not initiated by me, I demand that it is DELETED immediately : 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 XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry XXXX : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX To my knowledge, have never had non-sufficient funds and I am not aware of any negative entries. Kindly forward me a copy of my ChexSystems record so that I may verify its accuracy. 

Kind regards, XXXX XXXX XXXX XXXX XXXX : XXXX SSN : XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX BALANCED {$9500.00} XXXX XXXX BALANCED {$2700.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX XXXX BALANCED {$1800.00} XXXX XXXX XXXX XXXX BALANCED {$1000.00} XXXX XXXX XXXX BALANCED {$4200.00} XXXX XXXX XXXX  XXXX, LA XXXX XXXX XXXX XXXX  XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXX, LA 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX + XXXX Dispute Was File Immediately After Seeing XXXX XXXX XXXX XXXX XXXX XXXX 30 Day Mark For XX/XX/2022. After Filing Dispute All Credit Bureau Updating Improper 30 Day Marking For XXXX, XXXX & XXXX. The 28 Day Months/Short Months It Seem Were Updated To Reflect 30 Day Marking,
Product: Vehicle loan or lease

Yesterday, I received a phone call from Capital One Bank involving my auto loan. This person stated they were from Capital One involving a recent survey I responded to involving my interactions with a representative. All responses to the survey were XXXX 's or something within that realm. 

This representative states in the very beginning of his call that he is from Capital One. Then, proceeded to say that this is an attempt to collect a debt. Then, says he was responding to my survey responses. 

Again, I outlined the same information involving previous representatives ( idiots ) who were advised on multiple occasions that their alleged automated payment application was stalling on posting payments accruing extra daily interest on top of my already ridiculous 19 % interest rate! 

So, had he taken the time to read and comprehend my current comments ( which I have every right to express freely ) and have already conveyed to several employees within their organization - who have done absolutely NOTHING to resolve- he would have come at me in a different manner. 

His actions violation the Fair Debt Collections Practices Act! I don't take kindly to ignorance. Considering, my car payment was already made on time and he was responding to my survey.
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX I made a purchase at discord in the amount of {$9.00} using my prepaid card issued by cash app ( run by block, formerly known as square ). This purchase was made pursuant to an offer shown within the application which advertised " 99 % off your in app purchase up to {$10.00} ''. I activated this offer on my card and proceeded to click on the link to the offer to complete the purchase within cash app. As I made the transaction, I was constantly reassured by the presence of a badge displayed on the corner of my screen of the browser inside cash app. This badge displayed the phrase " saving with cash card '', and when I clicked on this badge, it reaffirmed the offer terms and stated it would apply to this purchase. Based on the consistent solicitation I received from cash app throughout the purchase process, I was convinced this offer would be correctly applied. That did not end up happening and instead I was charged the full purchase price without the discount and was not refunded. 

This offer has been widely publicized, and I correctly followed all steps necessary to claim it. 

I reached out to customer service multiple times on XX/XX/XXXX shortly after noticing the transaction was incorrectly processed, on XX/XX/XXXX, on XX/XX/XXXX, XXXX, XXXX and XXXX. They declined to assist me. I provided them with documentation regarding this issue several times and asked to speak to a supervisor. They continue to decline to assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer report and noticed that a bankruptcy is being reported on my account. I have contacted the credit reporting agencies to get this information removed with no resolve. I am disputing this derogatory information as it is harmful to my personal report and because I never gave my consent to share this information to my my report. 

15 US Code 1681 b Permissible Purposes of Consumer Reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to it relates.

( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. 

The consumer reporting agencies are violating my consumer rights. 
They stated that the information was acquired from a third party source and shared without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. the items I am challenging are erroneous and needed to be removed from my Credit report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXXXXXX Balance : {$9500.00} XXXXXXXX XXXX  XXXX Balance : {$3100.00} 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 XX/XX/XXXX
Product: Debt collection

Repeated robo calls attempting to collect a debt for someone we don't know. We haven't answered because we were told that if we did, we'd just get more calls. They identify themselves as Concord Servicing caller ID ( XXXX XXXX XXXX. 

My husband recently had a XXXX XXXX and is recovering at home. This company is calling at XXXXXX/XX/XXXXon the dot. Waking him up. 

We have started unplugging our phone, what else can we do?
Product: Vehicle loan or lease

I have a XXXX XXXX XXXX  that I has been under a loan with Santander USA since XXXX of XXXX ( 9 years ) with a high interest rate. The vehicle is not in the best condition but it is the only vehicle I own and I am still paying a car payment on this vehicle in XXXX of XXXX. I have a principle balance of {$290.00} but the total amount including fees is reflecting {$690.00}. I have contacted the finance company several times and requested some or all of the fees be waived due to the new modification of the loan from back in XXXX. They are refusing to assist me to allow me to pay off the vehicle and obtain the title to the vehicle. The final call I made was to a supervisor I was transferred to on XXXX XXXX requesting assistance and my request was denied. She gladly provided her name of XXXX and employee ID number XXXX as if my issue will not be resolved. I literally have paid for this vehicle twice and have been financing it for 9 years. I am only asking for the fees to be waived so I can finally own this vehicle.
Product: Credit reporting or other personal consumer reports

I am reaching out to express serious concerns regarding discrepancies in my credit report. Upon review, I discovered multiple inaccuracies, including incorrect account listings, unauthorized inquiries, billing inconsistencies, and accounts that do not belong to me. These errors are affecting my financial well-being, and I require your immediate assistance in addressing them.
Product: Credit reporting or other personal consumer reports

I started an inquiry to the company XXXX XXXX as I am interested in the process for purchasing my auto lease. I entered my contact information but did not select the button to authorize a credit inquiry and closed the site as I was not ready to move forward with a loan at this time. Shortly after I received multiple emails from XXXX, XXXX and XXXX XXXX that there had been new inquiries on my account. I was surprised as I had not authorized anything. I then got a text from XXXX XXXX, who said they were having trouble pulling my credit as it is frozen. I froze it deliberately because of recent record breeches and to protect my identity. The company somehow went around the freeze and pulled my credit report on behalf of four different lenders, resulting in four new credit inquiries. I texted the associate and informed them I never authorized a credit inquiry nor did I complete a credit application. They informed me it wasnt a big deal and it should only impact my score by 3-4 points, but they would have someone higher up look into it. I informed to them they need to report this error to the credit bureaus, and now I have not heard anything back. This all occurred on XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 i sent a letter to Equifax to update a rocket mortgage late payment that was being falsely reported. They had updated the payment from 30 days late to current. Then i look at my credit report In XXXX and they changed it back to 30 days late which is a violation. I have attached my letter below. Due tho them reporting this late payment i am back not getting approved for apartment or a car.
Product: Credit reporting or other personal consumer reports

These account were never given my permissible purpose to furnish these accounts furthermore they infringed upon my rights to privacy in pursuant to 15 USC 1681 ( 4 ) these corporations have caused damage to me mentally and financially. In pursuant to 15 USC 1681a ( 2 ) ( I ) any transaction or experience should excluded from my consumer report CAPITAL ONE ( XXXX ), NY CHILD SUPPORT ENFC ( XXXX ), XXXX XXXX  ( XXXX ), XXXX  XXXX XXXX ( XXXX ), CAPITAL ONE ( XXXX ) has also violated the billing error practice act in pursuant to 15 USC1666 they never gave me the right to opt out and are not reporting accurately I want these late payments as well as the inquires and collection accounts deleted as they are identity theft
Product: Credit card or prepaid card

I have the Chase Sapphire Reserve credit card, and one of the benefit of this card is trip delay reimbursement for up to {$500.00} per passenger for trips paid by the XXXX card. 

On XX/XX/XXXX, my husband and I were supposed to board a plane from XXXX to XXXX, XXXX, but the flight was delayed to the next day. This delay forced us to book last minute accommodations in XXXX on a Friday night, incurring {$860.00} USD. 

I immediately filed a trip delay reimbursement claim on XX/XX/XXXX through eclaimsline.com, the third party vendor that Chase uses. On XX/XX/XXXX, I was told that the documentations I had submitted were all accepted, and that my claim was in the final stages of being approved and paid out. 

However, it is now XX/XX/XXXX, and I have not received my payout. I called eclaimsline.com on XX/XX/XXXX to request a status update. The representative said she would schedule a claims adjuster to call me directly. By XX/XX/XXXX, I have not received any calls and so I called XXXX back. This time, the representative said he was scheduling a call from the claims adjuster for XX/XX/XXXX, but also stated that " due to high claim volume, the adjuster will most likely not call on XX/XX/XXXX. '' I expect that I will have to call XXXX again next week to inquire about my case status. 

The annual fee for the Chase Sapphire Reserve is {$550.00}. The reason I have been willing to pay such a high fee was because of the card 's travel benefits, like the trip delay reimbursement, and the customer service that comes along with the benefits. However, I have not received any of the benefits or customer service.
Product: Debt collection

The original creditor was charging me for boxes which was XXXX. After switching companies a third party company working on behalf of XXXX came out to the home and picked up the equipment. I am assuming that there was a miscommunition between the two companies. The equipment has been picked up and verified. This debt has been removed several times, but is reinstated on my credit reports with the 5 day notification, nor reason why it is able to be reinstated on my credit report.
Product: Student loan

Hi .... 

I took a loan out with XXXX in XXXX for {$33000.00} for student graduate loans. I paid every month without miss for over 10 years. I have copies and proof of every payment made totalling just over {$29000.00}. However, ACS bought the loan in XXXX and somehow my balance went back to {$30000.00} owed on the loan? When questioning ACS, they sold the loan to XXXX. While working with XXXX, my loan was sold again to XXXX XXXX XXXX. Long story short, im being told the balance is now {$41000.00} and are threatening wage garnishment. Can someone please help? Im 100 % willing to payoff the true remaining balance, but i refuse to pay another {$40000.00} on a loan that ive already paid {$29000.00} on? It does not make sense to me and non of these loan companies are willing to help me or work with me?
Product: Student loan

My school closed down and my payments went into forbearance and I had been making payment but since I didnt graduate I dont believe I should be responsible for paying the XXXX I have in school loans for that school. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX/XXXX {$11.00} nothing they could do about the fee. 
Transunion XXXX/XXXX/XXXX {$10.00} plus tax it has n't hit my account yet. Nothing they could do about the fee. 

My Identity is compromised in the XXXX security breach. Due to this I had to lock down all of my credit bureau. I think it is highly unethical to charge a fee to lock down bureau accounts under this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous.Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to violate my consumer rights under the Fair Credit Reporting Act. There are several names and address listed that do not belong to me. I have previously disputed this same information with the consumer agencies and they have claimed to have verified the information and it will remain. I didnt receive any documents or further explanation as to what they used to determine the information was correct. I would like each consumer agency to accurately reflect my information so that I am not denied for credit which is also a violation of my rights. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX GA XXXX there should be no other information listed on my consumer report. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Checking or savings account

To Whom It May Concern, I opened up a simple savings account at TD Bsnk on XX/XX/2021 on XXXX XXXX and XXXX XXXX in XXXX and I was told that everything was fine when opening up my account with XXXX XXXX using a XXXX social insurance number. 

After not being able to login to my account with the TD app and calling TD bank numerous times to no avail, I went back to the branch. I was then provided with the same firm I filled out before to fill out again and was told I would be able to transfer funds into my account at the end of that week on XXXX XXXX 

A couple of days later I went into the XXXX XXXX XXXX branch and met with XXXX XXXX and also opened up a Checkings account. XXXX XXXX told me that my simple savings account was still not opened up with TD bank because of an issue with using my XXXX social insurance number. That same meeting, I was told that the issue was being dealt with by the back office and XXXX would let me know what was happening by email a couple of days later. 

I still have not heard back from anybody at TD bank regarding the hold up providing private and confidential information to TD to bank.
Product: Debt collection

Midland Credit Management XXXX XXXX XXXX Ive asked each company to stop calling this is harassment and I would I like any debt it say I owe cleared however each company shows written off on my report and they are still trying to collect extra money from me after they have already reported the amounts as a lost to the IRS this is tax fraud