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

A dispute was submitted on XX/XX/XXXX for several ATM transactions that were not properly dispensed. No money was dispensed on each attempt, instead the ATM displayed an error message to contact your financial institution. The transactions are as follows : {$500.00}, {$500.00} and {$200.00} on XX/XX/XXXX. {$200.00}, {$200.00}, {$200.00}, {$200.00}, {$200.00} and {$200.00} on XX/XX/XXXX. An attempt was made to rectify this problem with the merchant but was told to contact my bank. TD bank ultimately made the decision to deny the disputes only 1 day after they were submitted, without citing an explanation for doing so. On XX/XX/XXXX an attempt to retrieve additional evidence was made. TD was not able to formulate how their decision had come about. No ATM logs could be located to verify authenticity of their decision. As a XXXX XXXX XXXX for, XXXX XXXX XXXX XXXX, I am very knowledgeable about Regulation E and the guidelines it entails. It is my belief that TD Bank is in direct violation of XXXX XXXX and they are not committed to their duties of putting their customers first. Again, I feel like no effort was made in this dispute process. How can a decision be made in 1 day?! Thats not even enough time to retrieve the ATM reports. Someone has dropped the ball and it could be costing customers their hard earned money! I am filing this formal complaint asking that an investigation be conducted immediately into the banks practices regarding federal regulations! I will also be seeking to retain an attorney in this matter. Absurd and ridiculous is what this is!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to Equifax regarding previously disputed XXXX XXXX account number****. This account was previously deleted on XX/XX/XXXX ( see attached document ). And when I pulled my new consumer report on XX/XX/XXXX, I see that the previously deleted item was reinserted on my consumer report, but I was not notified in writing within 5 business days that it was reinserted back on my consumer report. As of today, it has been over 30+ days later and I have not received a response yet from Equifax XXXX I feel like I'm being taken advantage of and being ignored by the credit disputes. 

This clearly violates my consumer rights that is protected by FCRA 611 ( A ) ( 5 ) ( B ) ( ii ). Section ( B ) ( ii ) states : Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I demand that this account be DELETED immediately or I will file for ligation due to defamation of character, stress you have caused me and {$1000.00} for each violation that I'm entitled to under 15 U.S.C 1681I.
Product: Credit reporting, credit repair services, or other personal consumer reports

We leased a new XXXXXXXX XXXX through one of my companies in 2018. Every payment was made on time and was auto drafted from our account. The dealership we leased the vehicle through no longer existed when the lease was up. We returned the vehicle to the new dealership in XXXX Alabama as instructed. There were no issues, they said we were good, checked all the boxes, and I signed the paperwork. After I asked about several of the extras we purchased through their lease program that were never delivered to us, and we were told we would have a credit issued to us. Nothing ever happened. 

Unfortunately sometime in the last few months XXXX has filed a negative action on my personal credit report for all of {$360.00}. No idea where that came from, especially since they were supposed to owe us money. Now my pristine credit history with exceptional payment history for more than XXXX years looks like I did not make 4 payments on this volvo XXXX and that they charged off the account, even though we paid every payment on time, and returned the car in pristine condition. Furthermore it was leased under my company, not me personally, so why are they putting false info on my credit report? 

I do not see how any company has the power to do this to someone? This is causing me major problems. Any assistance would be greatly appreciated. Thank you.
Product: Credit card

Capital One fraudulently billed me and I disputed the amounts. I refused to pay the fraudulent charges occurring from fees due to their failure to close the account. I had a business Spark credit card and a few months after the business was closed, I asked them to close the account. They did not close the account, then allowed a recurring annual bill to go through that I was unaware of. I saw emails about a bill due even though the account should have been closed and contacted them. I paid the bill even though I did not authorize it and did not need the service then asked them to remove the late payment penalty fees because of their failure to close the account. They stated they could request it but not guarantee it but they will close the account. Shortly after that statement the call dropped. Then XXXX  months later, another recurring charge went through. They never closed the account and continues to add more fees. I again called they said they could not close the account because they needed on the phone and they see in their notes that because I hung up they could not close it. They were the ones who dropped the call on me. I refused to pay the {$30.00} penalty fraudulently charges after already having paid over {$200.00} in fees from their failure to properly close the account XXXX  months prior and they kept charging more penalties and fees reported to credit agencies the amount as unpaid. They were negligent in not closing the account and fraudulently billed me.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : 442644 has violated my rights. Or a 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 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 or 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

One of the credit bureaus, equifax had a data breach.
Product: Mortgage

To Whom It May Concern ; I would like to make a complaint about Removal of the PMI Insurance on my Caliber Homes Mortgage Account with the principal balance of the loan has 78 percent of the original value, of the Loan.

We are getting into 5th month since I did my request for removal of the PMI on XX/XX/XXXX. Ive been paying for the PMI 4 months now for no reason at this point. They kept delaying the process on purpose to charge this amount as long as they can. 

First, they said they never received my request, and then they fund my mail request after 2 months but they Lost the check I included in the mail. And then we made a call to confirm they are processing but of course, they are not doing anything to remove the PMI because they did get paid for BPO to do appraisal they lost my check that I wrote on XX/XX/XXXX. Unbelievable. We made a payment on the phone when we call to check the status, we made the payment for {$160.00} but what they did again they applied that {$160.00} to my principal balance, I was waiting another month to find this out I'm glad I checked my statement that's when I realize they made another mistake. I don't know how this company survives with these employees, who will call to make {$160.00} principal payment for this size of a mortgage and we are up to date with payments also we have autopay on the account? Unreal. 
This mistake they made again cost us another month. 
Finally, BPO person showed up on XX/XX/XXXX and she took some pictures so we are at the waiting stage again until they make another move to not to remove the PMI on my account.
Product: Credit reporting or other personal consumer reports

Accounts for : XXXX XXXX XXXX and Default Resolution Group.

15 USC 1681b - Permissible Purpose of consumer reports ; Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law that backs the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) ; 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ; No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation. 

The Family Educational Rights and Privacy Act enacted in 1974 that protects the privacy of student educational records. FERPA applies to any public and private elementary and secondary, post-secondary school.

20 USC 1232g ( b ) - Release of education records ; Parental consent requirement ; exceptions ; Compliance with Judicial orders and subpoenas ; Audit and evaluation of federally supported education programs ; record-keeping.

PRIVACY ACT OF 1974 ( 5 US CODE 552a ) ; ( b ) Conditions of Disclosure - No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

15 USC 1681o - Civil liability for negligent non compliance ; In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards of the incorrect items on my credit report. It's been well over 30days and I haven't received any results.
Product: Credit card

I closed my American Express XXXX XXXX XXXX XXXX XXXX last year in XX/XX/year>. Six months later, on XX/XX/year>, American Express charged me {$50.00} for a promotional credit adjustment because I received a credit for an item that was refunded as defective. I may understand such a chargeback in the month following account closure, but not six months later.

I called and chatted American Express to ask them to uphold their credit and not charge me the {$50.00}, but they refused. They also said that if I do not pay, interest will accrue and it will be reported to the credit bureaus as a late charge, even though it is a chargeback fee for a promotional credit and I closed my account over six months ago. 

Please help me get American Express to remove this {$50.00} fee so I do not have to take further action.
Product: Debt collection

I received a letter from a company called Jacob Law Group that sent a debt collection letter. I asked the company twice in written form for a legal signed document in reference to this debt. They keep sending me some type of statement that does not have my signature. The address listed on the document is not my physical or mailing address. They are trying to collect on a debt that I do not owe.
Product: Credit reporting or other personal consumer reports

AN ACCORDANCE OF FAIR CREDIT REPORTING ACT XXXXXXXX XXXX XXXX WITH THE ACCOUNT NUMBER # XXXX HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES THAT CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY READING INSTRUCTIONS. UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE ON ANY PURPOSE. ALSO, 2019 WAS A XXXX YEAR AND COMPANIES DID NOT HAVE A RIGHT TO REPORT ANY NEGATIVE STATEMENTS TO CREDIT BUREOU. 

PLEASE REMOVE THAT ONE TIME MISSED PAYMENT FROM MY CREDIT CARD HISTORY AND REPORT IT AS PAID ON TIME TO CREDIT BUREU.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and as a result must continue to remedy its effects. I have several fraudulent accounts reporting within my credit file, along with addresses I have never resided and fraudulent inquiries. I have reached out to the credit reporting agencies and they have kept the fraudulent accounts/inquiries/addresses from my credit report. The fraudulent addresses that are reporting that I never lived at are XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, TX and XXXX XXXX XXXX XXXX XXXX, XXXX, GA. The fraudulent accounts are XXXXXXXX XXXX {$14000.00}, XXXX XXXX {$1100.00}, XXXXXXXX XXXX  {$440.00}, Midland Credit {$1300.00}, XXXX  account XXXX, XXXX XXXXXXXX, XXXX XXXX {$4400.00}, XXXX XXXX {$240.00} and XXXX XXXX {$330.00}. Fraudulent Inquiries : XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX
Product: Consumer Loan

On XXXX XXXX, 2015 I contacted Capital One Auto Finance via online message. I advised them I was ill and in the process of going on XXXX and that I wished to make arrangements to satisfy my contractual obligation to my auto loan. I advised them I could continue paying monthly once my XXXX payments begin and asked to defer a payment or for help with an arrangement. They responded and advised me to call in and request the deferral and arrangements as well as offer to fax my medical documentation. I did as they asked, and was told that even though I am past due 1 payment, I do not qualify for any hardship plans or assistance. I have made numerous calls to Capital One asking for help with an arrangement and am constantly being told I do not qualify because I am not past due enough. I have been encouraged by Capital One Auto finance to fall further past due as I may qualify once I get more than a payment past due. It is my opinion that Capital One Auto Finance is violating my rights under the FDCPA by misleading me with different information each time I call. Further, why would a lender encourage a customer to fall behind which will generate more late fees and financial stress? I got a letter post marked XXXX/XXXX/2015 accusing me of not honoring the contract to pay on time. The letter further states " while we have accepted late payments in the past, we did not waive our right to enforce the contract ''. It goes on to state they intend to strictly enforce the contract in the future and threatens to exercise its rights to " accelerate the debt and repossess the collateral ( the car ). '' This statement is an obvious violation of FDCPA as it threatens the consumer with misleading reporting, collection tactics and consequences. Further, this letter accuses me of being in " default '' when I simply past due 1 payment.
Product: Checking or savings account

On XX/XX/2022, I had an in person appointment at the local branch to open a new checking account for my XXXXyear old daughter. She had an existing " Chase XXXX Banking '' account, which was supposed to be closed and replaced by the new High School Checking Account. The new account was successfully opened but the employees at the branch told us they were unable to transfer the funds from the Chase XXXX Banking account to the new High School Checking Account. They therefore suggested my daughter use the old ATM card that was linked to the Chase XXXX Banking account to try to withdraw the remaining funds in the account ( {$90.00} ) using the ATM machine in the bank lobby. However, instead of withdrawing the funds from the Chase XXXX Banking account, the ATM withdrew the funds from the new High School Checking Account. The printed ATM receipt confirmed that the withdrawal was initiated under the Chase XXXX Banking account but was processed through the High School Checking Account instead. The {$90.00} still showed as " available '' in the Chase XXXX Banking account but there is no way for us to access it, either by withdrawing it at the ATM or by transferring it to another account. The local branch representative told us to wait a couple of days to see if the problem resolved on its own. After two days I called back and left a message for the branch representative who had set up the new account. He said he could not fix it and suggested calling the Chase customer service number, which I did. The representative I spoke to told me that the account showed as " pending closed '' and that we should receive the funds from the account by mail in 1-2 weeks. However, after waiting about a week, I could see that the account still showed as open when I logged into my Chase account online, and still with a balance of {$90.00} that could not be transferred or withdrawn. I called and left a message at the branch again but no one ever returned my call. I called customer service again and was told that they had no record of the account being closed and that I needed to speak to a different department. I was transferred to the Technical Support Department, then to the Fraud Department, then to the " Chase XXXX Banking '' Department. Each time I explained the sequence of events, but each person concluded they could not help me. The last person I spoke to told me that she had all the information she needed and had submitted it for resolution, but that was two weeks ago and still nothing has changed. Most recently I tried sending a secure message to online customer service, but they just told me to do the same things I had already done ( contact the local branch, call customer service, etc ). There is clearly a technical problem on Chase 's side but after almost a month nothing has been done to fix it. There should be call logs of the many different people I've spoken to. I have given them all the information they've requested. They should be able to proceed with closing the account and paying me the {$90.00} balance instead of stonewalling and forcing me to repeat the same steps over and over again.
Product: Debt collection

A verification of debt has not been provided by the company. I have disputed this directly with the credit bureaus as I am not aware of the debt. Additionally, the collection attempts they have been made by this company violate FDCPA they have left messages stating that I will be arrested in connection to the debt these are violations and harassment.Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ), you have the duty to review all of the information in this Notice of Dispute, to complete your investigation, and report back to me the results of your investigation, within 30-days of my Notice of Dispute. 
In addition, I humbly request that you provide me with complete transaction and payment history, a copy of any signed contracts or agreements, and total outstanding balance you believe I owe.
Product: Money transfer, virtual currency, or money service

( I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution procer was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress? for these violations.
Product: Credit card or prepaid card

On XX/XX/XXXX I received an email offer from Capital One for a 10 % rebate on XXXX purchases. On XX/XX/XXXX I made a purchase at XXXX for {$1500.00}, and the transaction posted on XX/XX/XXXX. I then subsequently paid my bill in full when my XXXX statement came. 

On XX/XX/XXXX I received an email from Capital One stating that the purchase qualifies, and I will receive the 10 % credit within 3 billing cycles ( I can provide a copy of this email ). 

I waited a few months and called on XX/XX/XXXX and was told the credit would post on XX/XX/XXXX or XX/XX/XXXX. The credit did not post so I called again today XX/XX/XXXX. After talking to a supervisor, I was transferred to a special unit that handles promotional offers. The representative then told me the credit would only be given AFTER I have taken the trip using XXXX. The trip is scheduled for XX/XX/XXXX to XXXX. She claimed this was in the small print " terms and conditions. '' However, I explained to her that I have an email from Capital One stating the 10 % statement credit would be given after 3 billing cycles from the purchase date of XX/XX/XXXX. Note on the attached documentation that no mention of having to wait until after the trip is included in the email confirmation. 

This is clearly a bait and switch promotional offer. And had I known I would be waiting for the credit until after the trip I probably would not have made the purchase in XXXX and would have waited until closer to my travel date.