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

So around XX/XX/2018 i deposited {$500.00} in cash and a check of {$2500.00} at a Chase ATM. 

First I put in the check, then the cash and the ATM said there was an error so it didnt print a receipt, nor was the cash and check dispensed back to me. 
I decided to check my Chase app and didnt see any of the deposits, instantly parked and went inside to file a claim with the manager. 
After a few days, they reported that the technician found the check and it was deposited correctly but that there wasnt {$500.00} in surplus so they didnt credit my account. 

I know for a fact I had deposited the {$500.00} in cash, so the ATM May have spat out the money afterwards. I requested to view the ATM footage so that they could see me physically inserting the money into the ATM and they said they couldnt show it to me. 

My claim with Chase was # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX account, # XXXX has violated my rights. 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 an account without my written instructions.
Product: Debt collection

I received a notice from XXXX XXXX in XXXX, New Jersey stating I could turn in my lease early and owe nothing on the old lease. I went in and made it clear I would not do it unless I would not owe anything. They assured me - both the salesman and the finance manage that it would be an even swap. My lease shows that it is. I have the form I was sent in the mail. 

About two months later I received a bill from XXXX XXXX XXXX that I owed {$2000.00}. I explained the situation and they said, " We have nothing to do with Hyundai. '' They turned it over to XXXX XXXX, XXXX in XXXX, New Jersey and they are telling me they will take me to court. This started in XX/XX/XXXX. I wrote them a complete explanation and heard nothing until this month ( XX/XX/XXXX ) when they threatened to take me to court. 
I feel this was a " bait and switch '' by XXXX XXXX and XXXX XXXX XXXX. It was XXXX XXXX XXXX who held the first lease and it was they who the finance administrator called to get my pay off while I was there!
Product: Student loan

Since XX/XX/XXXX until now I have been making bi-weekly payments of XXXX towards the principal amount of my federal student loan. Per COVID federal forbearance no interest was to occur during this time. From XX/XX/XXXX until XX/XX/XXXX all payments went to interest and zero went to principal. Since XX/XX/XXXX payments made are randomly applied to interest or principal. I have called them on XX/XX/XXXX and XXXX to credit my principal as no interest was to accrue during this time. The first person said it was because payments came from my checking. The second time after over an hour they said my loan requires payment to interest even if no interest occurs regardless of the federal forbearance. After an hour I was suppose to be transferred to a supervisor which instead they hung up on me.They are refusing to fix my loan amount and apply payments to principal. I request that you look into this immediately as I am sure I am not the only one being scammed.
Product: Checking or savings account

My name is XXXX I trying since XXXX months now and tired for capital one frauds identity theft transaction At least XXXX plus frauds transaction plus XXXX XXXX transaction in the night time and over night transfer XXXX to XXXX unknown XXXX XXXX Capital one dont accept fraud plus they say we r refunded first than my account block plus I call again they refuse to pay me back Fraud transaction and XXXX XXXX 
I have a police report already They also deny for police report to pay me back for fraud Conduct all transaction made on capital one bank. 
I am report to consumer fraud to help me pay back fraud transaction iam not taking legal action against capital one bank but if my money not refunded as fraud transaction is not mine illl be reported t o capital one they deny Resolve my matter as quick already late XXXX
Product: Debt collection

On XX/XX/XXXX at XXXX, I received a text message from XXXX that stated : Your past due account has been red flagged to be reviewed by our legal network for possible lawsuit.To resolve voluntarily on your own behalf and avoid further action call XXXX Send STOP to opt out. Theres no info provided about who is texting or what company is trying to send an account to their legal network. On XX/XX/XXXX at XXXX, I called the phone number provided. The first time no one answered, so I called again and got in contact with XXXX who said they were a debt collection agency named Structured Settlement on behalf of XXXX XXXX XXXX He then transferred me to XXXX with the Insufficient Funds Department. Her phone number is XXXX ext XXXX. XXXX was IMMEDIATELY hostile the moment I began asking questions. I simply did not recall the information or interaction with the company and was asking for clarification and additional information. She immediately began grilling into me and yelling at me asking why would I admit to the debt and set up a payment plan with them in XX/XX/XXXX and the payment came back as insufficient funds. And when I asked for a debt validation letter she yelled at me and said, Go look at your credit report, thats your debt validation letter. 
After some back and forth, I decided to set up another payment plan, because XXXX claimed that my account was going to be forwarded and I would be sued for the debt tomorrow XX/XX/XXXX. Under the FCRA, I am entitled to the information I asked for and I was refused. And I still do not recall ever interacting with this company for debt collection.
Product: Credit reporting or other personal consumer reports

I have been disputing incorrect information on my report for over XXXX months. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accts are not my accounts they belong to my father.
Product: Credit card or prepaid card

In XXXX of 2019, I received a XXXX XXXX notification that my credit score took a turn for the worse due to a missed payment Barclay claims was my fault. Even though this was reflected on my account, I have no records of owing Barclay the amount reflected on my account. Due to this, I was taken back when I saw the amount I owed Barclay. When I received notification from Barclay that I missed a payment I promptly paid the full amount plus interest. 

I contacted Barclay over the phone on XXXX of 2019 to dispute the missed payment. They told me it was not possible even though I have never missed a payment for being a loyal customer with them for two years. 

I included the letter in this request that I sent to Barclay and asking for your assistance in making sure this is fair to me.
Product: Debt collection

I received a Notice of a Summons on XX/XX/2019 tapped to the front door of my apartment. I was never nor was anyone in my home given these papers. I never received the summons in the mail. The sum amount is {$4100.00}. There is no date on this paper for which I am suppose to go to court.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on previous disputes concerning numerous negative items that continue to appear on my credit reports across XXXX, Experian, and XXXX. Upon reviewing my credit reports from each bureau, I have noted several inconsistencies in the reporting of collection accounts, which I do not recall and believe to be inaccurate and unverified.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

My name and address is incorrect and would like to update the right one.
Product: Credit reporting or other personal consumer reports

I have noticed that my credit report contains incorrect personal information, which has led to the appearance of unknown accounts and transactions that do not belong to me. This mix-up is deeply concerning, as it is affecting my financial standing and causing unnecessary stress. Despite my efforts to resolve this, these errors persist, and I can not allow them to continue impacting my credit profile.
Product: Mortgage

Please see below, the message I attempted to send to Ditech, but which, of course, the website bounced, and did n't accept : It 's unclear whether ditech is incompetent or fraudulent, but either XXXX is XXXX unacceptable. 

Due to absolutely incomprehensible and irregular statements received from ditech over the past month, showing numerous errors, fraudulent fees, missing funds, and an INCREASING Principal Balance, I 've spent over 8 hours doing my best at forensic accounting and have found that ditech has lost or stolen {$1200.00} of the money I 've remitted between the dates of XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. 

Errors include but are not limited to : 1. The site 's Payment History shows receiving a payment of {$800.00} on XXXX/XXXX/XXXX, but the XXXX/XXXX/XXXX Statement does not reflect a payment. 
2. A Late Fee was applied for the payment you lost on the XXXX statement 3. You applied {$740.00} to Principal in XXXX, when you should have applied {$260.00}. It looks like you tried to fix it in XXXX, but made a {$14.00} error in your favor. Convenient. 
4. Then in XXXX, when you tried to fix it, you did n't apply the Principal Due ( that I paid ) of {$260.00}. Where did that go? 
5. Since XXXX/XXXX/XXXX, I 've remitted {$1600.00} over the minimum payment due, and you have applied only {$610.00} of that overage to Principal. Yet the most recent Statement I 've received ( XXXX/XXXX/XXXX ) shows NO Funds in Suspense. Where is my money? 

To top it all off, on XXXX XXXX, XXXX, I received a letter on ditech letterhead stating that MY ACCOUNT HAD BEEN REFERRED TO A DEBT COLLECTOR. 

Fix. This. Now. 
And call me. 
XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I made a transfer to XXXX to Coinbase for XXXX and never received the funds. Complete crypto fraud.
Product: Student loan

On XX/XX/XXXX, I called Navient to see what options I have to lower my payments, I had recently got behind on payments and owed XXXX in back payments. They told me I could make a one time payment of {$250.00} and it would bring my account up to date. Then they would give me the month of XX/XX/XXXX for free and I would start payments back up in XX/XX/XXXX and the payments would be around 250.00 a month. I then called them back on XX/XX/XXXX because my automatic payments are coming out {$280.00}. I can not afford to pay this amount so I wanted to see if they can lower my payments. The person I spoke with transferred me 3 times, I finally got someone who told me there is nothing they can do. They said I only get 2 income driven repayment plans of which I have already used. They told me to call back next month in XX/XX/XXXX and I can attempt to file for Interest only payments, but it would only lower my payment to {$210.00}. I then stated this is still to much for me, I am a single mother with a tight budget and I can not afford this. They told me I need to find someone to pay my loans then and there is nothing they can do to help me. I am living paycheck to paycheck and this is a burden on my family. I am very dissatisfied with the customer service and I feel like they are charging me way more than I can afford and they offer no help to lower my payments and actually, since I have had this loan, it has gone up by {$5000.00} from the original amount and my interest rate is 11.25 %. I have been a borrower since XX/XX/XXXX and this has been an ongoing issue since starting my repayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2019 I SETTLED XXXX ACCOUNTS WITH CONNS. BOTH XXXX AND XXXX XXXX ARE REPORTING THE ACCOUNTS CORRECTLY XXXX HOWEVER IS STILL SHOWING XXXX OF THE ACCOUNTS OUTSTANDING AND DESPITE MULTIPLE DISPUTES REFUSE TO CORREBT THE INACCURAT INFORMATION
Product: Credit reporting or other personal consumer reports

My personal information was obtained through a data breach and I have dark web alerts on my credit report with someone having my social, maiden last name and using an address Ive never lived at.
Product: Credit reporting or other personal consumer reports

2021 requested information from creditor to validate information of accounts, due to being a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is with the 2 of the major credit bureaus inwhom I've decided to contact the FTC on due to the fact of the emotional distress they has caused me because of their failure to properly do their job has really taken a toll on me. I repeatedly requested a Method of Verification in the matter of the reinserted XXXX XXXX XXXX   account inwhich Transunion and XXXX both is in breach because they reinserted this account without properly notifying me of such reinsertion as promised with the FCRA laws. Never one have I received any notice from these 2 credit reporting agencies. I demand they these reporting agencies block the account ( XXXX XXXX XXXX  ) or produced the Method of Verification and any physical documentation to support their reportings.
Product: Credit reporting, credit repair services, 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. 

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 has violated my rights. 

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 an 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 card or prepaid card

On XX/XX/XXXX i called Capital One to pay off balance in full $XXXX.  On the day I called I asked for the full pay off amount including interest. The woman I spoke to, who was the supervisor, calculated the interest on the account  and included more just to insure that the interest would be covered. I payed a total of $XXXX which i was told would bring the account to XXXX. On XX/XX/XXXX I logged back into my  account to see if the payment was posted and noticed there was a credit on the account for $XXXX. I called Capital again to verify that there was a credit on the account and the person I spoke with told me I over paid the interest due and I had the option of keeping the credit on the account and using it towards future purchases or having a check sent to me. I opted to have the $XXXX mailed to me in a check. On XX/XX/XXXX I noticed that on the XX/XX/XXXXthere was a finance charge posted to the account for $XX/XX/XXXX. I called Capital One about this discrepancy and the supervisor i spoke with was trying to tell me that the $XX/XX/XXXX was not a credit but was there to cover the finance charge. I informed him that this is not what I was told as previously stated.
Product: Credit reporting or other personal consumer reports

ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX. This account is in direct violation of the FCRA as it is not being reported accurately. I DID NOT GIVE CONSENT TO THIS COMPANY TO FURNISH THIS ACCOUNT TO ANY THIRD PARTY. I have requested validation and verification which I did NOT receive. Ive disputed this item with no luck of getting an update. I WANT THIS ACCOUNT REMOVED FROM MY CONSUMER REPORTS. The original balance is not consistent on all reports. Last payment does match on all reports. Opened date is inconsistent on all of my reports. Last reported date is not the same on all reports. All Consumer reporting agencies state verified as accurate yet no information matches across all companies.
Product: Credit card

referencing CFPB case XXXX for XXXX XXXX XXXXXXXX I made a balance transfer from my XXXX XXXX XXXXXXXX XXXX to My Wells Fargo Active Cash card on XX/XX/year> for {$2900.00}. XXXX XXXX XXXX posted it on XXXX and I am told they tried to recall it on XXXX. 
The problem is I accidently included an extra number in the credit card account for Wells Fargo. I have talked to XXXX XXXX XXXXXXXX many times and they say the case is closed... they can't get the money back. I opened a complaint with CFPB. Wells Fargo says they can't help me. I have since been told by XXXX XXXX XXXX that Wells Fargo did indeed receive the transfer check and there is a Wells Fargo stamp on the back. I have asked for a copy of the front and back of said check and have not received it.

In this day and age of technology I find it hard to believe NOBODY can find the money. SINCE Wells Fargo did stamp the check as received. I consider it theft because it went NOWHERE. I can provide the " account number '' with the extra digit if needed and copies of the check if XXXX XXXX XXXX will do THEIR job. I can't afford to make payments on a transfer to pay off a credit card that did not happen. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have  happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Product: Credit reporting or other personal consumer reports

I am submitting the attached documents to dispute the XX/XX/year> late payment on my mortgage with Selene Finance LP. 

After sending several requests to update the late payment to XXXX or paid as requested, I am now disputing with a XXXX letter and a receipt from Selene Finance, which acknowledges the error and gives me credit for the late payment. 

Please Review Attachments Please note I have sent a letter to the Attorney General In PA and CRA.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

XXXX XXXX XXXX Bankruptcy
Product: Checking or savings account

I emailed Bank of America ( BofA ) on XX/XX/2018 and have yet to receive a reply. The was was directed towards XXXX XXXX XXXX, Vice Chairman, Bank of America and I copied XXXX XXXX, Chairman of the Board and Chief Executive Officer, Bank of America. The email addressed my concern whether BofA is discriminating against lawful business. A copy of the aforementioned email is copied below : It read that the Bank of America plans to stop lending to manufacturers of " military-style firearms '' used by civilians. Why would a respected company, such as yours, discriminate against lawful businesses? I can imagine you might have reservations lending to companies that deal with, for instance, XXXX that is legalized in some states but is not decriminalized on a Federal level. However, these businesses that you now target conduct lawful business which is still protected by the 2nd Amendment included in our nation 's Bill of  Rights. These " military-style firearms '' are not military weapons and can legally be purchased by law abiding citizens who pass the ATF Form XXXX, Firearms Transaction Record ( Form XXXX ), background check.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, equifax, XXXX, Credit companies are not complying with their own policies within a timely manner, on XX/XX/2022 I contacted the above companies regarding multiple account inaccuracies including a XXXX consumer account showing {$10000.00} balance and inquiries including XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have yet to receive in response.