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

On Saturday, XX/XX/2023, I took a cash I was saving to spend on XXXX XXXX, to the Bank of America ( inside bank ) ATM, on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. 
I pulled aside the cash I need, and insert to the machine around XXXX {$100.00} bills, and about XXXX {$20.00} bills, the machine pulled my money, and then gave me a receipt stating an error was happened, and that I should speak to a customer service member, and then only {$300.00} was deposited. 
I called the number, right away, but after holding for about XXXX minutes with several trials, the phone machine said the offices were closed. 
I called the next day, I got an answer that they bank will deposit {$1000.00} as a-temporary credit until they do their investigations. 
nothing was credited, I called agin, on Tuesday XX/XX/XXXX, the associate said sorry, but the money should be deposited within XXXX hours. 
Nothing was received, I called again two days after, this time the associate said that the bank ( back up ), and I should have to wait until they finish their investigations, I told her I need the money, and its not my fault, she asked me to file a hardship, to receive my money, she did it for me.

no money was received, I called today, and associate from customer service in Arkansas called himself XXXX, told me that I have to wait until the investigation is done, and that I have no other options, I asked to talk to a supervisor, XXXX said the same thing, I explained to her that it's not my fault, and I need the money, she asked me to wait for their investigations again, I told her will your bank wait for me to pay a credit card after the due date, she said she can't help me.

I am asking you to justify me against this bank who used it's power to ignore my rights, took my money to their machine and kept me calling and calling and getting frustrated because I need my money, while they don't care.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Want to file a complaint against all the credit bureaus for their unfair consumer practices of Credit Age and Hard Inquiries. The credit bureaus fail consistently to accurately display consumers ' credit age. Many people have had credit for years but the bureaus seem to only include newer accounts or only open accounts which ultimately brings the Age of Credit down and if this is considered a Medium Impact on credit then the bureaus are unfairly and unjustly affecting every person 's credit negatively. The Age of Credit should be how long a consumer has had credit, not some arbitrary number of years that the bureaus decide on nor should it only contain open credit.

Likewise, the credit bureaus have unfairly and unjustly affected every consumer 's credit for years by retaining the quote " Hard Inquiries '' for more than a year. If this is as the bureaus say a Low Impact item why does it seem that every lending organization denies credit to people because they have " too many hard inquiries ''? Credit reports should not have any hard inquiry on it that is more than 1 year old. What is the point of keeping an inquiry there for more than a year? Should an inquiry actually be a good thing for a consumer, it means that the consumer is looking to spend money or obtain a loan for a large purchase. Why should this negatively impact anything? 
The credit bureaus have been lying and misjudging consumers for years and this needs to STOP! One would wonder if those XXXX XXXX US citizens who are credit-invisible are not much better off than the rest of the consumers. At least those XXXX XXXX consumers are not unfairly and unjustly judged by XXXX bureaus that arbitrarily judge consumers. 
The credit bureaus state that Payment History, Derogatory Marks, and Credit Card Use are all High Impact items. If this is the case and a consumer has very Excellent marks for Payment History and Derogatory marks and Fair marks for Credit Card use ( using myself as an example ) then why does it seem that the Excellent marks are not taken into account but the Fair for Credit Card Use and the Needs Work for the bureaus quoted Credit Age of 4 years and 10 months seem to outweigh any other information on each report. Credit Age of 4 years and 10 months, is an insult by the bureaus! In fact I have had a mortgage for the past 10-plus years in XXXX different states in this country, I have had car loans for the better part of 20 years consistently, but the credit bureaus do not seem to want to accurately report information that would actually help consumers like myself and many other consumers. The credit bureaus need a complete overhaul and their practices on credit reporting need to be investigated! 
If this is not the right organization to bring this inquiry to please let me know where or whom is the best to discuss this with. If I need to speak with Congress and Senate I am willing to do that as well. I feel the Credit Bureaus need to be investigated and overhauled in order to protect US consumers and provide fair and accurate credit reports.
Product: Debt collection

To whom it may concern I have had items on my credit report since 2008 and these its have been paid and they still remain on my credit report I really need someone to investigate my report I have called XXXX, XXXX, and XXXX XXXX and steel. Theyll come back the next day saying that the account stay is the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to Equifax and XXXX to remove erroneous inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hello. I write to you let inform you that a few months ago i consolidated all my credit card debt including Shop Your Way Credit. I mentioned that according to XXXX XXXX XXXX organization which is the organization that i am currently using to get relief from all my credit card debt. I did this over the phone and gave all the information needed, i talked to a representative if you have any question and i believe this conversation was recorded. For more information please contact XXXX or you can contact them @ XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately deleted on my credit report since no proper evidence is shown as derogatory. Simply presenting a computer generated printout is no strong evidence as accurate. This is unfair reporting practice and will not be tolerated as such. So delete XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX
Product: Prepaid card

Received {$100.00} Amex digital gift card from the company I work for as a XXXX bonus on XX/XX/13. 
Tried to use card 14 different places and each time declined, even though balance shows {$100.00} and all info was provided. Amex tips on how to use were no help, card continued to be declined everywhere.
Product: Debt collection

After moving out of a rental I was sent a Security Deposit Closing Statement with the entirety of my security deposit returned. The place was spotless although there was a charge for carpet cleaning that told me I was being sent to collections in 5 days. This gave me no chance to respond, the carpets were perfectly clean, we had cleaned them ourselves. After getting in contract with Landlord I was told it had already been moved to collections and they did not need anything form is. If there was damage or other maintenance beyond normal wear and tear it would have came out of the security deposit.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there and it's been goin on for yrs
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from XXXX on XXXX XXXX, XXXX that XXXX XXXX XXXX has reported that I now owed them {$17000.00}. I was confused. I quickly contacted XXXX XXXX XXXX customer service and ask them what is the current amount I owe on the loan. The customer service rep advise that I only owe {$2500.00}. I told her that they had reported to XXXX that I owed $ XXXX. She was well there is nothing we can do about that you will need to file a complaint. I was like that does't make sense there is no other department that I can talk to about the error. She said no. She told me to file a complaint. So that is what I am doing.
Product: Debt collection

I have written several letters to " Finance System of Richmond '' dated XX/XX/XXXX and XX/XX/XXXX. They have not responded to either letter. They are continuing to report on my credit, with Verification of the account provided to the credit bureaus. I AM THE CONSUMER, I DEMAND THAT THEY STATE WHY THEY ARE ON MY CREDIT REPORT! They have sent me nothing in the mail as requested, a violation of the FDCPA. They have continued to report an invalidated debt to the credit bureaus, a violation of the FCRA. I DEMAND JUSTICE! PLEASE HELP ME!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX PNC Bank Card Services PNC CB Investigations XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX XXXX and PNC Bank Card Services have knowingly submitted falsified reports in an attempt to collect payments. PNC Bank Card Services was paid in full, as stated in the credit report prior to the accounts closure. Despite this, PNC Bank Card Services still closed the account and unlawfully transferred the contract. 

Although the original charge-off amount was {$1800.00}, and the debt was fully satisfied, PNC Bank Card Services has failed to report the valid balance since XXXX. As a result, XXXX and XXXX have already removed the inaccurate reporting due to its falsified nature, yet the account remains improperly listed with XXXX. 

XXXX XXXX XXXX XXXX has further violated FCRA ( Fair Credit Reporting Act ) rights by attempting to collect {$2400.00}, an amount well over the original charge-off, even though the account was already paid in full and removed from other reporting agencies. Additionally, XXXX XXXX XXXX XXXX has deliberately marked the account as open, further restricting the consumers ability to obtain new credit. 
Violations Committed : Attempting to collect on a paid-in-full debt Attempting to collect the same debt twice Reporting inaccurate information in violation of FCRA standards Providing false information and refusing to investigate when prompted Failing to verify account details upon request Manipulating consumer data after being contacted Falsely reporting the debt as collectible Required Actions : XXXX XXXX XXXX XXXXXXXX must immediately delete the fraudulent debt. 
PNC Bank Card Services must remove the false report regarding the paid-in-full account. 
Both companies should be investigated for consumer fraud and data manipulation. 
Any staff members responsible for reporting and validating these accounts should be held fully accountable for damages caused by the fraudulent reporting since XXXX. 
Additionally, the companies failure to properly verify the debt, forcing the consumer to spend personal time correcting these inaccuracies, should be addressed. 

I demand immediate resolution and accountability for these violations.
Product: Mortgage

In XX/XX/XXXX I sent a letter requesting a settlement agreement with Wells Fargo. I received a bankruptcy settlement in XX/XX/XXXX. 

XXXX XXXX, I received a letter stating it was in review. 
XXXX XXXX, I received notice from XXXX XXXX that settlement offer could not be approved because I needed to apply for a loan modification first. 
On XXXX XXXX I faxed Wells Fargo a complete loan modification packet to new specialist XXXX XXXX XX/XX/XXXX. Notice that application is complete and in review Prior to XXXX XXXX, received notice that a loan modification was not possible. 
XXXX XXXX, notice of new specialist XXXX XXXX. 
By XXXX XXXX, requested same settlement agreement as in XXXX XXXX XXXX, notice of denial of settlement offer XX/XX/XXXX. Spoke with XXXX XXXX and he stated that I could request another settlement offer and that if there was new or compelling information I could receive a settlement agreement. 
XXXX XXXX, Sent another request for settlement with higher amount and detailed letter of circumstances. 
XX/XX/XXXX, I called to confirm receipt of request and was told it was received and would have decision in 3-5 business days. 
XX/XX/XXXX, After 3 attempts to get an update I received a return phone call from XXXX XXXX. He stated that I had been denied. Although he called me, it was clear he had no information about my case. He stated that it was denied, but that if I had zero equity in my home I could try again. I explained that I likely did have a small amount of equity, but that I intended to stay in my home regardless of having suffered numerous financial hardships over the recent years. My XXXX  daughter required the stability of a home having lost her father. 
XXXX XXXX, I received a letter stating that my request had been withdrawn. MY REQUEST WAS NOT WITHDRAWN. 
XXXX XXXX, I sent a letter to Wells Fargo that they needed to correct the information that my request was withdrawn. I sent a detailed letter calling out the numerous hoops I had been through in trying to work with them and how incredibly worthless the effort was. It was obvious that they would never have offered any relief and I was just wasting time with a high interest loan ( 6.55 % ). 
XX/XX/XXXX, notice they were looking into recent letter and would respond by XX/XX/XXXX XX/XX/XXXX, notice stating they needed more time and would respond by XX/XX/XXXX XX/XX/XXXX, notice stating they needed more time and would respond by XX/XX/XXXX. 

I As I am sure you are aware, Wells Fargo is only interested in profits and greed. I showed them that they could agree to a settlement and not lose money. I also showed them that had I requested the settlement years earlier, instead of working diligently to pay my mortgage, that they likely would be out much more. I am tired of dealing with Wells Fargo and would like to understand what they are doing continuing to string me along for no apparent reason.
Product: Credit card

My dad visited XXXX XXXX in XXXX FL in XX/XX/XXXX. He went 2 times and used 2 credit cards, XXXX and American Express. His XXXX card was charged with on XX/XX/XXXX with the actual fee of $ XXXX and fraudulent charge of {$6200.00} on the same date. 
He also went on XX/XX/XXXX and used his American Express card and was charged $ XXXX for supper and the same card was hit for {$3600.00} on XX/XX/XXXX. 
XXXX immediately reversed the charges and investigated when we reported the fraudulent charges. 
American Express has not reversed the charges after numerous phone calls and a certified letter notifying them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was paid and closed in XX/XX/XXXX. This was included in the Chapter XXXX wage earner payment Plan. The loan was paid and closed. This is still being reported as Negative in XX/XX/XXXX. PLEASE DELETE OR CORRECT XXXX  Account is shown as charged off with a past due amount of {$3900.00}. and a late payment. this account was included in Chapter XXXX bankruptcy  XX/XX/XXXX and converted to Chapter XXXX in XX/XX/XXXX and was discharged in XX/XX/XXXX. PLEASE DELETE OR CORRECT XXXX XXXX XXXX is incorrectly statused as past due in excess of 120 days. This account was never late and could not have been late XXXX and XX/XX/XXXX as this was included in chapter XXXX Bankruptcy  XX/XX/XXXX. Converted to Chapter XXXX, XX/XX/XXXX and later Discharged XX/XX/XXXX. PLEASE DELETE OR CORRECT XXXX XXXX XXXX XXXX   opened XX/XX/XXXX. Should not have been reported negative XXXX and XX/XX/XXXX, and XX/XX/XXXX as this was included in Chapter XXXX Bankruptcy XX/XX/XXXX. Converted to Chapter XXXX, XX/XX/XXXX and later Discharged XX/XX/XXXX. PLEASE DELETE OR CORRECT There are 6 enquiries on my report that were not done by me. These were fraudulently done without my permission. Please remove. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX  and XXXX  are consumer reporting agencies and I am the Consumer. These agencies have failed to do so. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Navy federal is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

XX/XX/year> there were XXXX " reversals '' for {$480.00} that cleared my bank account that showed as a XXXX transaction. XXXX declined and /or declined all of these transactions. Actually there were 9 total transactions. Four were totally declined and looked at as fraud by XXXX, XXXX went through and then returned. I placed 3 or 4 called to Huntington as I saw these charges going through and then reversing. I was assured by 3 Huntington employees that these charges would not go through. I have been given provisional credit for XXXX of these transactions, however I am being told that I must provide documentation that I never received these insurance policies that were refused.

I am more upset by the fact that there is a lack of training and accountability by Huntington. They allowed {$620.00} in payments to return to the vendors that I transferred money to cover. However they made the decision to pay the {$480.00} payments instead and did not give me second notification that these were even going to pay out. 

I was not charged Overdraft Fees, however the handling of these transactions and that lack of training is totally unacceptable. And I am being asked to prove what they have already documented by phone recordings and reversals.
Product: Credit reporting, credit repair services, or other personal consumer reports

Did Not authorize companies for inquiry and do not recognize companies XXXX XXXX XXXX  XXXX  Companies Inquiry date : XX/XX/2020 XXXX