23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

( Short version ) A cashier check from Key Bank was issued to me in the amount of {$5400.00} for a mortgage credit balance as of XX/XX/XXXX. 

This cashier check was dated XX/XX/XXXX. The memo line on the check identifies as credit balance to my mortgage account number. 

On XX/XX/XXXX, this cashier check was cashed by my personal bank, XXXX XXXX XXXX. This is the bank where my checking and savings account is held On XXXX XXXX, XXXX XXXX XXXX was informed of a stop payment on the Keybank cashier check and in turn XXXX   told me this. 

No reason as to why ... .Initial thought was it being cashed 30 days past issue date requireing a replacement check. Prio to cashing the cashier check, I walked into a local Keybank where the branch manager confirmed the check was still valid. 

From XX/XX/XXXX and up until XX/XX/XXXX, many calls were placed to Keybank and their representatives. Nobody could give me information. The only progress made was when they asked me to fax them information that the check was cashed. I did so, but again, no answers. Not until XX/XX/XXXX when I called and informed them I wanted an answer by the end of the day because I was filing a claim. Finally ... .. information. 

I was told by a supervisor that the information she had was the cashier check was sent in error and my attorney was advised of this and not to cash it on XX/XX/XXXX. Yes, the date was repeated at my request. 15 days after it was cashed, I am told my attorney was advised not to cash it. 

I havent heard from my attorney since XX/XX/XXXX and last conversation we had was he hadnt heard back either if the check needed to be reissued. 

For 2 months my checking account has been held hostage with a negative account balance. It has incurred over {$300.00} in fees. Just recently, encompass has set it aside so I can use my account until Keybank honors their cashier check. 

Please re-issue this cashier check and honor it as it was issued on XX/XX/XXXX.
Product: Checking or savings account

I received an email on XX/XX/2021 at XXXX XXXX stating that a XXXX transaction was made in the amount of {$980.00}. I called TD bank immediately letting them know that I didn't make this or authorize it. They told me that they need to cancel my debit card so I did. The next day I went to Td bank and got a new card. Then I called in again to follow up and was told that the fraud was on my bank account not my debit card and that they need to shut down my account. By that time TD bank already processed the XXXX payment and the money was taken out of the account. I do not know this person nor have I ever XXXX this person any money. TD bank did not protect me or my account. I have called numerous times with no resolve. I contacted the FTC and filed a report and a police report and provided it to TD Bank with no resolve. The case number with TD bank is XXXX.
Product: Credit card or prepaid card

I have a Best Buy Visa Card which was due to expire so they mailed me a new card, which was stolen from the mail. Best buy allowed someone to activate the card and make over {$7000.00} of charges on the card before calling me to verify these charges, I got a call and cancelled the card on XX/XX/2021. Since this date the charges have continued and Best Buy actually gave the woman my checking account information and allowed her to make payments on my best buy credit card which ran through my bank account three times at {$4000.00} each payment, I only owed {$900.00} on the card at that time. So my credit card was compromised for {$7000.00} and my bank account was compromised for {$12000.00}. I have done investigations and found who is doing it and have filed police reports. Problem is I told best buy to lock my account and put security measures on there 4 times and they are still discussing my account with this other person. Due to Citi Best Buy they have caused me to have to do a lot of work to try and keep my financial status safe. Best buy won't pull videos from store and won't provide me with the recorded phone conversations on my account. I want the conversations they had with me and the ones they had with this other woman. They have done everything she has asked of them and yet to do what I ask. I called again today and they gave me all my account info again without verifying the added security questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX  XXXX   XXXX Re : Chapter XXXX  Bankruptcy To Whom It May Concern : I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my crediti file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed.

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.

Again I never paid or walked into court for such a matter and by law it does not exists
Product: Credit reporting, credit repair services, or other personal consumer reports

After the Equifax security breach, I am still unable to freeze my credit reports due to high volume on the online services as well as by phone. Additionally, these services will cost me personally when I need to lift the freeze, which is n't right.
Product: Debt collection

Got a letter from American Coradius International LLC stating I owed XXXX XXXX {$100.00} and would take partial payment of XXXX. I called and spoke to XXXX  and spoke to XXXX MasterCard that has been closed. They state I dont have any outstanding account debt and this must be a scam. The account number on the letter is not my account # with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$4100.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXXXXXX Balance : {$6000.00} ; XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Confirmation number : XXXX Fax Letter dispute, sent notarized certified dispute letter to Equifax on XXXX XXXX, XXXX, Tracking # XXXX via USPS. Asking company to validate not verify inaccurate items on my credit report. Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. If a credit bureaus, collection agencies or creditors can not prove the account or inquiry is my account in a timely manner ( 30-45 business days ) the account must be removed from my credit report. That means provide me with physical documents with your signature. 
1. Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, make inquiries, add comments and/or dispute codes of any access to my personal credit report/file. 
2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present. 
3. Provide a full accounting : Every charge, payment, fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed.
Product: Credit reporting or other personal consumer reports

Reported identity theft to company and filed police report. Experian has not took proper action to remove the negative accounts from my credit reports.
Product: Prepaid card

I was a victim of fraud related to the payment of the California Middle Class Tax Refund, which was mediated by Money Network Financial LLC via a prepaid card ( " the XXXX Card '' ). The fraud was the result of indaquate security systems and processes on the part of Money Network Financial LLC. 

This XXXX XXXX was delivered to me on XX/XX/year>. Upon receipt of the XXXX XXXX, I called Money Network to activate it as per instructions. I successfully activated it. However, my XXXX XXXX indicated a balance of {$0.00}. Upon registering online at mctrpayment.com, the card statement balance indicated that a fraudulent ATM withdrawal of {$490.00} was made from my card, along with additional charges. 

At that date, I had not received, activated, or even called about the XXXX XXXX. In fact, I was not even in the United States. 

This alone should be enough indication of fraud, and I provided evidence including XXXX XXXX data to support my claim. 

I have made numerous attempts to resolve this issue, including calling Money Network 47 times and spending over 17 hours on the phone. 

Money Network has denied my claim and subsequent dispute without providing a clear reason for the denial, and without providing the information I requested about the fraudulent activation. All the while, Money Network deliberately makes it extremely hard to reach a representative and will not call back or send e-mails, having required me to call back and waste hours away waiting on hold. 

I haven given up on amicably resolving this matter with Money Network.
Product: Credit reporting, credit repair services, or other personal consumer reports

The data for this account " XXXX ' appears to be inaccurate or inconsistent with the established reporting standards of CDIA. I would like you review it again and prove that everything is true, accurate, complete & timely! If not able to adhere to these compliance requirements please remove my profile immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a $ XXXX revolving account with XXXX XXXX. XXXX  is not reporting the account even after repeated attempts to request they do. I know for a fact that the company reports to XXXX but they are not reporting it.
Product: Vehicle loan or lease

I XXXX : XXXX reached out concerning a transaction between XXXX, XXXX XXXX XXXX dated XX/XX/XXXX involving note and security deed and secured by residential property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee, XXXX, on XX/XX/XXXX. 

The letters I sent were to inform KIA MOTORS FINANCE/ KIA FINANCE AMERICA XXXX that I am exercising my right to rescind this transaction due to a breach in contract which deemed to be null and VOID at the time that the transaction had taken place due to the lack of FULL delivery of all material disclosures that are relevant to the plan. 

Upon reaching out dated XX/XX/XXXX, in response to my letter mailed and dated XX/XX/XXXX. In my letter dated XX/XX/XXXX, I disputed the Alleged {$16000.00} debt that you are attempting to collect. I additionally requested verification of the alleged debt pursuant to my rights under the FDCPA. I am within my rights to request a verification under the FDCPA. I requested a copy of a signed contract. I also requested that you delete any and all reporting made to any consumer credit reporting agencies. You have clearly failed to address my very specific legal request to RIGHT OF RESCISSION, CEASE AND DESIST delete your credit reporting of the disputed alleged debt. Under the FDCPA, it is a false, deceptive, or misleading representation or means in connection with the collection of any debt to communicate to any person ( consumer credit reporting agency ) credit information that is known or which should be known to be false, and KIA MOTORS FINANCE/ KIA FINANCE AMERICA are in clear violation of the FDCPA.

KIA MOTORS FINANCE/ KIA FINANCE AMERICA failed to obtain and send verification of the alleged debt by not mailing me a contract. Instead of KIA MOTORS FINANCE/ KIA FINANCE AMERICA sending me a signed contract of agreement signed by all parties involved as requested, KIA MOTORS FINANCE/ KIA FINANCE AMERICA mailed me a ( Re : Request for Information about Your Account ). ( Re : Request for Information about Your Account ) is NOT a contract or agreement and is nonresponsive to my verification request. Under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. Also, my personal information was released without my consent or knowledge to a third party.
Product: Checking or savings account

On XX/XX/2001 I withdrew {$5000.00} from my Ally Invest Account into my Ally Savings Account. I was charged {$280.00} by Ally Invest, they labeled it a Pre Pay fee. As listed on Ally Invest 's website, Pre Pay Settlement Fees are {$20.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I yave constantly been this item lvnv funding llc/Resurgent XXXX XXXX XXXX I requested that Equifax provide me with information on how they dod their investigation on this account # XXXX. They have continued to allow this company to report this negative and damaging information on my credit report. As well as random updates. I would like to see the original signed documents with my signature as well as the purchase agreement. As well as all other documents that shows my commitment to XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent dispute letters to Equifax to show me proof that I owe this debt and havea legal contract with this company. At first it was showing as a collection now it shows as a closed account that regularly updates and Equifax allows this. Also Equifax allows this company to report a false original credit limit that has a uneven number. And definitely a incorrect high balance.
Product: Checking or savings account

I would like to file a complaint against capitol one due to an ongoing dispute that keep getting denied. I have sent in all documents requested showing my hotel room was broken into while on vacation. The hotel advised they would not charge me for my stay due to the inconvenience. Im a loyal customer with capitol one and do not feel this situation is not being handled to the highest standard. 

Re : Claim # XXXX for account ending
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in XXXX  around XX/XX/XXXX and got released around XX/XX/XXXX. Before I went to XXXX  I had a debit account at this ( bank ) U.S Bank. After I was release I found out my debit acc was closed and there was a credit card open for around {$570.00} of debt and it was charged off. This was not me and I believe this is fraud. I contacted the company, they sent me fraud papers, I filled them out and mailed them. But after a few months I didn't get a response back. I'm filling this out because of experience to increase my credit score and this is still on my profile.
Product: Student loan

I have been paying off my loan with XXXX XXXX XXXX consistently for year with no problem. Starting this year I updated my bank account information and all of a sudden all my payments have been failing. I have tried paying to my loan 6 times and they keep failing the payment. I have re-updated the correct bank account information multiple times and they still fail to accept the payment. I contacted my bank, who checked their system and they found 0 record of XXXX every trying to take the payment. I have confirmed the bank accepts ACH ( I have multiple other loans paying from the same bank account with NO problems ). The customer service with XXXX is HORRIBLE. I have called and e-mailed numerous times and I get some person outside the United States who knows nothing and they all come up with a new excuse and never actually help. I have gotten no return contact from someone who will actually fix this. Now they have started going after my credit for their error! I can not get anyone to help and all I want to do is pay my loan and restore my credit history, which should show 100 % payments and no derogatory marks. I am trying everything I can and this is all the fault of XXXX and their failed system.
Product: Credit reporting or other personal consumer reports

I don't have any Public records on my credit report, This is unacceptable, I'm Begging you to remove these on my credit report, this is not funny and It's literally hits me to XXXX.
Product: Debt collection

The statute of limitations for this debt from XXXX should apply. XXXX XXXX XXXX XXXX XXXX has tried collecting on an old debt purchased from American Credit Acceptance through a collections agency XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX # XXXX XXXX TX XXXX ) However, the collections agency has not updated the amount owed, or communicated with me regarding the debt, post a payment arrangement agreement. 

XXXX XXXX XXXX XXXX has maintained that the debt is from XXXX and that they will cease collection efforts for the old debt.
Product: Debt collection

I received a bill months after a procedure for anesthesia from XXXX XXXX, after I paid upfront and was informed that the time went over and I had to pay more. So I made arrangement to make a few payments, however, there were numerous issues with staff due to Covid and the employees working from home and much confusion as to if I really did owe more, regardless, I made payment as I do not want any negative marks on my credit report and I made final payment of {$60.00} XX/XX/2020 and then was called and told that they made a mistake and I owed an additional {$70.00} which I paid on XX/XX/2020. I never heard from them again until this week I received a collections notice for {$50.00} out of nowhere. Why would they not contact me in over a year and all of a sudden just say I owe more money again? How many times will they do this? I never received any additional bills after the last payment of {$70.00} which I was told was final payment. I was told it was my final payment and I do not want to continue to have them state that I owe more when I do not.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payment Account XXXX that are reported on my credit file maintained by Experian. I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit card or prepaid card

Hello, I would like to put in a complaint agains t Portfolio Recovery Associates LLC.   I was unaware when they sent me a letter dated  XXXX / XXXX /   2015  that a check was enclosed in the amount of {$200.00} in which the letter stated the following : " On  XXXX   XXXX ,  2015 ,  Portfolio Recovery Associates LLC entered into a Consent Order with the Consumer Financial Protection Bureau regar ding out Litigation Department collections calling practices. Enclosed with this letter, please find a check from  Portfolio Recovery Associates LLC ( PRA ) whi ch is a refund check made in accordance with the terms of the Consent Order. '' I have contacted  Portfolio Recovery Associates twice tod ay at  XXXX  and was told by both associates that there is no way that I would be able to get a new check issued or have the check amount applied to my balance of {$500.00} that I still have with them over my debt with my credit card (  XXXX   XXXX   ) a nd I stated to them that I did not understand if the check was not cashed that the money should have gone to the Unclaimed Property for either my state or the state the check was written in, however, they just both said that I was out of luck in the trying to recover the check amount, therefore, I contacted you since you company 's name was mentioned in the letter.
Product: Checking or savings account

Before I opened this account I went to a Bank of America branch and specifically asked if an ACH transfer of my salary from XXXX XXXX into this account would qualify for the {$300.00} account opening bonus ( as the offer stated that transfers do not qualify ). The rep to whom I spoke ( XXXX XXXX business card / letter attached ) stated that it would and the transfer clause only related to transfers from another Bank of America account. I therefore opened an account and three deposits of {$1300.00} were made. Bank of America are now saying these deposits do not count so I am not eligible for the bonus.
Product: Vehicle loan or lease

I requested my auto pay be held for the month of XX/XX/XXXX, I spoke with a rep at BMWF on or around XX/XX/XXXX, she said she would request payment held until XX/XX/XXXX. Their web-site still shows payment to be pulled on or around XX/XX/XXXX, that rep did not do what was asked of her and needs to be corrected. I checked the site today, XX/XX/XXXX, it shows payment pending for XX/XX/XXXX, needs to held until XX/XX/XXXX