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

On XX/XX/XXXX, I went to the ATM at XXXX XXXX and XXXX and deposited {$500.00}. I got a receipt for it. When I looked at my account online, I saw that the bank withdraw {$500.00} from my account instead of deposited the money. I immediately called the bank to report the error and they gave me a temporary credit that fixed the problem. Then, the deposit appeared and on XX/XX/XXXX, they took away the credit. The withdrawal was not removed so essentially they stole {$500.00} from my account. I called and they claimed that I had a withdrawal on XX/XX/23, which was the problem I reported in the first place. Their statement was they did their investigation and the case in close. They did not fix the problem to start and stole {$500.00} from my account. There insisted that I withdrew the money, which didn't happen. When I made a deposit, the machine rejected some notes and I reinserted the cash. And I have a receipt. I didn't not withdraw {$500.00} as they claimed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and myself have a joint auto loan with Toyota Financial Services. In the process of trying to get a home loan, we found out that Toyota reported us 30 days late in XX/XX/XXXX andXX/XX/XXXX. I tried to resolve over the phone with Toyota, however there is no possible way to speak to a person in the credit reporting department. You have to communicate by letter only. Several months later I finally received a letter back confirming that they had researched and corrected the negative credit markers, yet their correction letter to us mentioned the wrong month ( XX/XX/XXXX). Still to this day they can not send me a letter to confirm that they corrected the month of XX/XX/XXXX, like I have asked.

I thought this was resolved, because there is no longer a negative marker on my credit or my husband 's for the months they reported incorrectly, so I let it go thinking it was just a bad mistake on their part.

Then 2 weeks ago I found out that Toyota AGAIN has reported us 30 days late, this time it is for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Our payments are due on the XX/XX/XXXX  of each month, and again, all these payments are paid well before the 30 day marker, usually within 1-2 weeks after the due date. We NEVER past 30 days, yet Toyota continues to report us 30 days late and their excuse is that " the payment has not posted by the last day of the month. '' They " ding '' our credit on the last day of the month even though thirty days have not passed. They have done this to us 5 times in the last 24 months now.

This is ruining our credit, and it takes months to resolve!

This should be illegal to report someone at 10 or 15 days.
Product: Money transfer, virtual currency, or money service

I never received a notification or statement on my chime banking app when allegedly I was declined of a payment on XX/XX/year> due to that my bill was never paid and now Im not able to pay my bill using my bank I only can pay in person and I have no way of getting there and I have to pay a late fee and my electricity might get turned of due to the fact the I have been allegedly declined when I called chime the agent told me ( on a record line at approximately XXXX XXXX XXXX XXXX ) That the policy is that we dont send notifications for debt transfers which was false according to the terms and conditions upon asking for more information the agent hung the phone up in my face in the middle of my conversation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX keeps using my Experian Credit report to try to use new collection agencies ( XXXX XXXX XXXXXXXX @ XXXX XXXX XXXX XXXX XXXX XXXX, Texas to now try to say that I owe {$610.00} to XXXX XXXX XXXX. Number 1, XXXX XXXX  XXXX was removed Before with BOGUS collection agencies to try to scam both my husband and Myself and they were Unsuccessful. XXXX XXXX XXXX  caused my credit score to drop XXXX points this time ( I have a string feeling it's for the Auto insurance industry to try to get my Premium up which it's not happening, they never like it when you keep doing great!!! ) So, I want you to Have XXXX XXXX XXXXXXXX to Remove this Bogus Account immediately from my Credit Report!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I submitted a dispute to Equifax regarding unauthorized inquires on my credit report. I also provide them a copy of the Identity theft reporting advising that I have been a victim of identity theft. I submitted all required and necessary information for this to be corrected on my credit report. I am very dissatisfied that I am the victim and I am not able to get inquiries that I have not authorized removed from my credit report
Product: Checking or savings account

To whom it may concern, Summary, please refer to attachment for complete information. 

On XXXX XXXX, XXXX, we received a final settlement check from XXXX XXXX XXXX, the fifth and final check received in the course of our claim resulting from damage to our property from XXXX XXXX, XXXX XXXX. The XXXX previous checks, with identical payee and endorsements were deposited with no issues. 

On XXXX XXXX, XXXX, the teller at the window ( female, name unknown ) at Branch No. XXXX, located at XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX, refused to accept the check for deposit into our savings account. The branch manager was not available to talk to. 

A phone call on the same date to the customer service line at the national number also yielded no precise clarification and that there was no known policy for why Chase would not accept the check. 

On XXXX XXXX, XXXX, we were finally able to reach the manager by phone at Branch No. XXXX. He told us we could not deposit the check because there was a remote chance the public adjuster we had contracted with would attempt to get more money from our account, despite our proof of complete payments. Then he tried to convince us to open a business account to deposit the check instead. Finally, he rudely rebuffed us when we stated we would have to close our accounts. 

As a result of Chase 's actions, our accounts were closed on XXXX. XXXX, XXXX.
Product: Debt collection

Received debt collection letter from : Professional Credit Service po box XXXX XXXX OR XXXX ( XXXX ) XXXX Letter stated I owed XXXX XXXX {$590.00} from XX/XX/year> but they would settle for {$140.00}. I contacted XXXX XXXX and was told there was no balance due. 

I feel the XXXX XXXX XXXX was attempting to defraud me.
Product: Debt collection

I have asked for verification and a signed document stating that this is my debt. No response from creditor Convergent Outsourcing/XXXX. Creditor deleted report from XXXX  and XXXX  but not XXXX.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Former : 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
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX | XXXX SSN : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX RE : Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. I demand you to comply NOTICE, this letter is a follow-up to the original letter I sent to your company. It seems that you are being willfully noncompliant. Specifically about the following unauthorized, false and fraudulent credit inquiries that were made by the following companies : Inquiries in Dispute : XXXX. Made by your company XXXX on XXXX. 

Made by your company XXXX on XXXX. 

Made by your company XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Made by your company XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Made by your company XXXX XXXX XXXX XXXX  XXXX XXXX ) XX/XX/XXXX Made by your company XXXX on XXXX XXXX 

Made by your company XXXX on XXXX. 

Made by your company XXXX on XXXX. 

Made by your company XXXX XXXX on XXXX. 

Made by your company XXXX XXXX XXXX. 

Made by your company XXXX XXXX ( XXXX  ) XX/XX/XXXX Made by your company XXXX XXXX XXXX XXXX ) XX/XX/XXXX Made by your company XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX Made by your company XXXX ( XXXX  ) XX/XX/XXXX My first request was simple. And you failed. Miserably. You provided absolutely no documentation or proof that the inquiries in question were obtained pursuant to the Fair Credit Reporting Act. Once again, you gave an entirely inappropriate response by encouraging me to deal directly with the furnisher. 

I have maintained the previous record of my communication with your company. If your company Fails to remove these fraudulent inquiries within 30 days of receipt of this certified letter. I am strongly considering filing a small claims action against your company, seeking {$1000.00} per violation for knowingly and purposefully furnishing deceptive forms, knowingly enabling Identity Fraud and sharing my personal information without my written permission or my consent. 

Sincerely,
Product: Mortgage

I was approved on XXXX/XXXX/15 for a permanent modification home loan, when calling Bank of America talking to service manager XXXX on XXXX/XXXX/15 I was told it would take about 30 days to be approved. I went online a couple of days later to check my status and I seen my approval papers that posted on XXXX/XXXX/15 giving me until XXXX/XXXX/15 to sign and return. On XXXX/XXXX/15 I spoke with my service manager XXXX and I told about permanent modification papers she said the papers were sent out to me, I ask for the tracking number because I never received them XXXX she said she could n't see XXXX. I told her I made a copy of the papers I need to have them back by XXXX/XXXX/15 plus a permanent payment is due XXXX/XXXX/15, she said maybe I should wait to make that payment until I actually get my permanent papers. I told her no I was told not to miss a payment then XXXX ( my service manager ) said make the payment I was making doing the trial XXXX, and she will refer my papers to the help desk to see why they did n't mail them and to mail me out a new permanent modification paper with a new return date. I ask how long will that take she could n't tell me and she will do a follow call back on XXXX/XXXX/15. I did receive that call from service manager XXXX still no info on my permanent papers she place me on hold for 5 minutes and came back saying she will refer it to her supervisor. When I went to check my status on XXXX/XXXX/15 I notice they had given me a different service manager XXXX. I called XXXX/XXXX/15 and spoke XXXX to set up a payment for XXXX/XXXX/15 he could n't for that date because it was XXXX and made it for XXXX/XXXX/15. As he was taking information for payment he ask for a check # I told him I will get him one he said oh just give me a random #, I said know the my bank wo n't process any check #. XXXX gave me a confirmation # XXXX, I told him this confirmation number did n't have a day just the year and month which is not like previous confirmation I have he said they are all different. I told him I know but they all have the complete you 're paying your bill, he said it will be alright. About a hour later I tried to check my status and was blocked from that site, I called and spoke to XXXX different service telling them I blocked and the last XXXX transfer me to the support group that only handles home equity system only to transfer me back to the home modification department because they handle their on system. I got representative who place me on hold and cleared the trouble. I did tell them I feel as though something is n't right, the representative everything going fine but I feel as though I getting the run around
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent in a request for the Credit reporting agency to delete the inaccurate information on my consumer report. It's now 37 days and I haven't received any responses from them.
Product: Debt collection

What is the complaint about? 
My complaint is about a credit card that I owed in 2007, in the amount of {$3000.00}. I received this credit card in 2007 and I used the card to purchase plane tickets to go see my husband, at the time, who had just gotten out of Basic training, in the XXXX XXXX XXXX. The agreement was that if I purchased the tickets, my ex-husband would reimbursement, after he got his sign on bonus, but he never got all of his sing on bonus, so we were not able to pay the credit card back. 
What type of problem are you having? I took out a personal loan to pay off my credit card debt and Enerson Law, LLC, placed a bank levy on my checking account and took {$8500.00} from my account. The Law firm sued me on behalf of a company called XXXX , XXXX. This company bought my debt from XXXX XXXX. I was not able to pay off my credit card debit or my bills and maintain a living, because of the bank levy that was placed on my checking account. In addition, the original credit card was only {$3000.00}. I did not even know I was being sued, because I never received a letter, summons or anything. After the bank levy was placed on my account, I called the bank and the bank gave me information on how to contact the debtor. Only, then did I find out what I had been sued for. Apparently, the letter went to my Mothers house, and she had no knowledge, because she is XXXX. 
What company is this complaint about? The original debt was with XXXX XXXX but XXXX , XXXX bought my debt. 
Who are the people involved? The people involved are myself, XXXX XXXX XXXX and my children, XXXX, XXXX and XXXX XXXX, all of which had to suffer because of this hardship. The Law firm is Emerson Law ( XXXX XXXX ), XXXX , XXXX, the company who either bought my debt or a collection agency and XXXX XXXX, the original debtor.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) Equifax has violated my rights. The FCRA, Section 602 ( a ) ( 4 ), 15 USC 1681, states I have the right to privacy! FCRA, Section 604 ( a ) ( 2 ), 15 USC 1681b, also states a consumer reporting agency can not furnish an account without my written instructions. I never provided written instructions to Equifax to furnish the accounts listed in the attached letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Great Team, and Thanks for willing to help me with this matter. 

Due to a conversation that I had with a close friend who were complaining about how much incorrect things she found in her credit report, I decided it was time to go check mine too, especially since she mentioned that it is now free because of to the pandemic. I was so stunned and devastated when I saw on my credit report a lot of accounts that I totally don't recognize. So far, I have sent more than 3 letters to XXXX, XXXX and TRANSUNION asking to verify those accounts for me or even better, delete them as I did not recognize any of them. Same thing was asked concerning some inquiries that was made in my account without me allowing them. 
The first letter was sent on XX/XX/2021, so now it has been way more than 30 days, and they still have not sent me any response, let alone any document bearing my signature such as a contract with any of those financial entities, that I saw on my credit report. 
The worse is that the names used on some of those accounts are even not my correct name, and same thing for some of the addresses on file. After seeing that, I made sure I called XXXX, XXXX and TRANSUNION as well to ask them to correct my name and correct all the false information on my file. Some have been changed, but they still have not corrected all of the incorrect information. 
I will include to this complain the letters that I sent to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies reporting an alleged account reported as a charge off on my consumer report, but counted as income according to the IRS. The IRS Clearly defines a canceled debt or charge off as gross income in which one has to report when filing taxes ( attached ). INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this account as a debt inaccurate! 
The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 and the responsibilities of XXXX XXXX XXXX as a furnisher of information. 
15USC 1681 S-2 says XXXX XXXX XXXX is, a furnisher of information to a consumer reporting agency. XXXX XXXX XXXX is PROHIBITED BY LAW to furnish inaccurate information. 
15 USC 1681 S-2 RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

15 USC 1681 S-2 ( A ) ( 1 ) ( A ) ( A ) REPORTING INFORMATION WITH ACTUAL KNOWLEDGE OF ERRORS 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. 
I have shown XXXXXXXX XXXX XXXX and put them on notice that they are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 and of their responsibilities as a furnisher of information. 

Also, XXXX XXXX XXXX did not send me the 1099C form related to this alleged account. XXXX XXXX XXXX has caused me to potentially commit fraud against the IRS by not reporting this account as income on my income tax returns. I have written to the IRS about XXXX XXXX XXXX and their failure to furnish forms and the attached correspondence has been forwarded to the IRS as well. 
I will not hesitate in bringing legal action against XXXX XXXX XXXX for Violation of My Consumer Rights and Defamation of Character. I reserve the right to sue for violations of my consumer rights pursuant to 15 USC 1681n as indicated under both the FDCPA and the FCRA.
Product: Credit card or prepaid card

AMEX has fraudulently failed to waive its annual fee for me, an XXXX XXXX XXXX, after promising no annual fee for all military members. Since then, AMEX has strung me along with 30-60 day " investigations '' into my XXXX status. 

I commissioned in the XXXX XXXX in XX/XX/XXXX. I entered full-time XXXX XXXX in XX/XX/XXXX. American Express represents that XXXX military members may obtain a Platinum card with no annual fee. Indicating my XXXX status, I applied for and received a Platinum card in XX/XX/XXXX. In XX/XX/XXXX, I noticed that AMEX had charged me a {$690.00} annual membership fee. Looking back, I found that they had charged me {$690.00} in XX/XX/XXXX as well. 

I began inquiring with AMEX regarding why I was twice charged an inapplicable fee, I received letters saying I was ineligible for " MLA '' and " SCRA '' benefits, and they assured me they would investigate, providing a window of 30-60 days for resolution. Multiple " investigations '' were conducted, each time after 30-60 days concluding that " after checking the DoD database, I was ineligible '' or not on XXXX XXXX. 

This process has continued throughout XXXX, each time AMEX assuring me that they are investigating and finding no information from the DoD. From XXXX XXXX, I have additionally provided AMEX both ( 1 ) my XXXX XXXX orders and ( 2 ) verification of my XXXX  status from the DoD Manpower Data Center XXXX On XX/XX/XXXX, after I provided that documentation, I was assured my case had been " elevated '' and that I would hear back in 10-14 days. After hearing nothing for nearly a month, I called AMEX on XX/XX/XXXX and was informed that there was no difference between a normal case and an " escalated case '' and that I would ( again ) hear back in 30-60 days. In the meantime, I was advised by AMEX to " tell my superiors to verify that I am on XXXX XXXX. ''
Product: Vehicle loan or lease

I moved to Oregon and needed to register my car in that state. Oregon requires you to process registration through the lean holder ( VW Credit ). You send paperwork and payment to the lean holder, and they forward it to DMV with Title information. I mailed paperwork to VW Credit on X/XX/2017 They have record of receiving it on X/XX/2017 I was charged a {$45.00} title fee on my XX/XX/XXXX invoice. I waited the allotted 6 weeks for my registration to arrive in the mail - but nothing came. I tracked the problem down to VW Credit - they never processed the paperwork. I have been following up with them continually - trying to move the process along. I asked to have the {$45.00} fee waived - and they refuse.
Product: Checking or savings account

My Job XXXX XXXX XXXX XXXX Releases Funds to accounts up to 2 days early. Every Thursday I have bills that need to be paid & including Child care services, phone bills & Groceries, I currently XXXX to work, So I was unable to go today due to my work deposit bot being released by capital one! I am very frustrated because I could not pay for daycare or either my phone bill today & get groceries, its been almost over 2 days! I am very unsatisfied! How can I resolve this issue?!
Product: Checking or savings account

XX/XX/202XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX - {$99.00} Noticed this charge and disputed and cancelled debit card .... 
XXXX Days later Debit card is still active and these charges were made : XX/XX/2022 XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX - {$54.00} XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXXXXXX - {$19.00} XX/XX/202XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX - {$51.00} XX/XX/2022 XXXX XXXX XXXXXXXXXXXX XXXX XXXX - {$65.00} XX/XX/2022 XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX - {$65.00} XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$19.00} XX/XX/202XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX - {$65.00} This put my account in negative and a check was bounced because Ally Bank didn't cancel the debit card right away even after reporting fraud. Also the disputed charges above should have been credited back to my account within XXXX days, which hasn't happened. Only these charges have been credited back : XX/XX/2022 Credit for Dispute XXXX - XXXX {$19.00} XX/XX/2022 Credit for Dispute XXXX - XXXX {$65.00} XX/XX/2022 Credit for Dispute XXXX - XXXX {$65.00} XX/XX/2022 Credit for Dispute XXXX - XXXX {$99.00} Question is debit card has been used twice at the same ATM ... .data has been compromised with our debit card number and we have not received any communication.