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

On XXXX XXXX I opened checking and savings accounts with Regions bank and I used their online feature to do them both. I deposited {$50.00} in each account as an opening deposit. 

I wanted to transfer money from my old bank and called Regions customer service to ask if I could write a check to myself and use the mobile deposit app on my tablet to deposit it in my new Regions checking account. I was told that I could and that people do it all the time. During the deposit process you are presented with 3 funds availability options and I picked the overnight option. The following morning, XXXX XXXX I checked my account and saw that the deposit had been made. On XXXX XXXX they reversed the deposit and took the money out of my account. I called Regions customer service and during the course of about 3 hours I spoke to at least a half-dozen Regions employees including a gentleman named XXXX who stated that he was an online banking supervisor. 

I explained to him that the money I deposited was all the money I had to make it through the rest of the month, that I was a XXXX Veteran, and that my caregiver was off until after XXXX so I had no way to get to a branch. He stated that there is nothing anyone can do unless I go into a branch. He also told me that I had overdraft protection so if I needed groceries I could use my check card and the overdraft protection would cover it. I asked him about the fees and he said I could probably get them reversed. 

I also spoke to an employee who stated his name was XXXX in the local branch and explained to him that I had no way of getting into the branch, that I 'm a XXXX Veteran, on oxygen 24/7 and asked him if there is n't anything that could be done. He stated the only way they could remove the hold is if I came into the branch and talked to the branch manager who had the authority to remove the hold that was placed on my deposited funds. 

XXXX, and other Regions employees told me that the hold was on until the XXXX of XXXX. But on XXXX XXXX they changed the deposit to pending again. This had really gotten my accounts all messed up at both the old and new banks. Because I had my VA XXXX benefits and XXXX direct deposits changed to Regions it is too late to change them back to the old bank and get my money. 

Then yesterday, XXXX XXXX, I received the attached letter which stated that the reason my deposit was put on hold was because they had " confidential information '' which made them believe the check that I deposited would n't be paid. How is that acceptable that a bank can use confidential information to make a deleterious action against a customer. 

The whole experience has been very, very disturbing to me and I am just stunned that Regions would n't take proactive steps to help me.
Product: Credit card

I was fired, bank accounts were breached, fired from job. I am asking for loan forgiveness. I even lost all bank accounts from this situation. I am applying for low income housing in XXXX XXXX but cant get approved because of this. I truly hope to hear back soon
Product: Bank account or service

I opened an account with Ally bank. I made an initial deposit of XXXX. I established my online access. After less that a day, my account was locked for security reasons. After XXXX days of calling and talking to different people, I was informed my aunt needed to send a copy of my ID, SS card and a utility bill to an address that started with fraud. I never have been able to get an answer from anyone. No one has ever contacted me at all regarding this account. I have called the person who requested my informant no less that XXXX times and he refuses to call me back. I asked to get my money back and the answer was " we ca n't refund money until we know who it is going to ''. But the can take my money. I was assured the money would not be taken out of my account until this mattter was straightened out. Well it has been taken. I just would like to get my money back and wash my hands of Ally Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

Just look at my credit reports. Transunion., and XXXX both don't know my actual legal name and I think they have not done a very throughly investigation or they could spell my name right by now after all these so called verification of debts and you can't even get my name right. This pathetic and I think yall have me confused with another person. Iv turned in my social security card and drivers license may times now and still get my name wrong. Now I want my XXXX dollars a violation now for blatenly reporting Ina curate information matron yet again. Now.llok real close to name that is clearly printed with a XXXX at the end now does.its. that proves your verified information is incorrect I want these accounts deleted now all of them now I won't take jo for a answers cause the fair credit reporting act says its illegal to post in laccurate information cause its your civil duty to repirt 100 perslcent accurate data. Or 8t has to be deleted. Want cha done say that .consumer report violation!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't apply for this account on my credit report these are fraudulent accounts, and I would like this account to remove off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed several inquries being processed by the name of XXXX XXXX XXXX in which is affecting my credit. I feel as if i am a victim of identity theft but i am still getting letters back stating that the inquiries are factual in which they are not. The inquiries are XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX GA XX/XX/XXXX, XXXX XXXX  submitted a inquiry on XX/XX/XXXX and i never authorized this they sent me an application with my information and my ssn did not match and they told me that it was me in which it was not. I am highly upset because credit is very important to me and with all of these security breeches how can i confirm anything when my identity has been stolen.
Product: Credit card

According to the promotional offer Citi posted on their website, I got the Citi AAdvantage XXXX Card. Based on the promotional offer and my discussions with Citi employees, I spent {$10000.00} within the first 3 months ( I already made payments of {$10000.00} ). However, Citi stated that it was a generic online promotional offer for which you were not directly solicited. Therefore, they are not going to give me the XXXX miles stated in their generic online promotional offer. 

Furthermore, in Citi 's XXXX letter, it stated " XXXX XXXX has confirmed that you received XXXX XXXX XXXX AAdvantage bonus miles posted to your XXXX XXXX AAdvantage account on XX/XX/year>. 

Q1 : What is the purpose ( intend ) to have the generic online promotional offer on their website?

Q2 : is it legal to have a fake promotional offer on their website?

Q3 : Per this fake promotional offer, I paid {$590.00} for Citi AAdvantage XXXX Card instead of {$95.00} for CITI XXXX XXXX CREDIT CARD. 

Q4 : XXXX miles have not posted to my XXXX XXXX AAdvantage account
Product: Debt collection

COLLECTOR FAILED TO CEASE AND DESIST COLLECTION EFFORTS AND KEPT CALLING MY HUSBANK CELL PHONES 66 TIMES AND MINE XXXX TIMES.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : XXXXConfirmation of corrections made to the disputed items. 
XXXXAssurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
XXXX.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Wells Fargo is in VIOLATION of their TERMS and AGFREEMENT, their own CONTRACT. They closed an account in good standing, where there were no violations per their conditions of : a. If we cancel you rewards account : - Violate terms and conditions -Engage in fraud or suspected fraud -Misuse or gaming the program. 

No such conditions existed, yet they also violated their " Reward Program '' as they were to NOTIFY US in WRITING so we could have cashed or applied the rewards toward the statement balance. " If we cancel the entire program, we will send you advance written notice that the program will no longer be available, You must redeem your rewards within three months from the date we notify you. '' Wells Fargo has BREACHED and VIOLATED their TERMS of CONTRACT with us.
Product: Debt collection

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Midland has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send screenshot statements. Send my actual signature on a contract. As this debt is Not mine.
Product: Credit card

I am recently retired XXXX service member who has been XXXX on and off since 2007, I got a Lowes Credit Card issued by Synchrony Bank. I have been paying my bills above and beyond my minimum, so I thought, since I have on-line statement. I recently checked on line to see all my credit balance since returning off XXXX and was shocked to see that instead of balance decreasing, it was increasing. The card security benefit was added without my knowledge and was charging me {$90.00} a month, so only XXXX dollars was going to interest and nothing was going to principle, thus increasing my balance and minimum and adding late fee. This has been going on for I do not know how long. In essence I have been paying XXXX towards the card security and interest ( half of it ) and nothing at times to principle. 
very respectfully, XXXX XXXX XXXX
Product: Debt collection

I have paid this debt in full with the original owner, XXXX XXXX and they agreed it would be taken off my report. However there is a company that is still reporting this debt on my report and they refuse to remove it, even though the original debt owner agreed to remove this. 

Original owner that I didn't know I owed was XXXX XXXX, they have been paid in full once I knew I owed them any money. 

The debt reporting company is named FAIR COLLECTIONS AND OUT XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX I asked them multiple times to remove this, they say it shows paid but still feel the need to keep a collections record about it for 7 years. They were not owed the debt and have no knowledge of these matters.
Product: Credit reporting or other personal consumer reports

XXXX Experian and XXXX are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXX XXXX  XXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXXXXXX XXXX XXXXXXXX are inaccurate and must be removed.
Product: Credit reporting or other personal consumer reports

I spoke with XXXX at Experian the week of XX/XX/XXXX. I informed her that the info on my report is incorrect and some fraudulent. I told her the correct address, phone number, email address, and employer that should be in there. The other addresses are non mailable addresses. I was informed it would be updated and removed. I then asked for a copy once updated, because I am aware it literally takes XXXX hours and this was not done. I even gave it XXXX weeks to ensure it was done. I check today which is XX/XX/XXXX and it still reflects old and inaccurate info. Not to mention XXXX told me it would only take no more than XXXX hours to update.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Responding Act the following companies has violated. I dispute the following with all 3 credit bureaus. I execersided my right under the Fair Credit Reporting Act, section 609, to request information regarding items listed on my consumer credit report the following bureaus. XXXX, Equifax and XXXX in XXXX, XXXX XXXX, XXXX and XXXX. I asked for verification of the account, wet signture and proof of ownership with original contracts or the have the accounts deleted right away. As per section 609. I send the police reports 7 times along with proof of identity as the credit bureaus had my social security wrong, my birthday wrong, wrong address and wrong number on my fraud alert. 

15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX  Credit bureaus are required to removed items if not verified within 30 days. This was never done and is a violation of my rights as a consumer. Please follow up regarding this matter as this mistakes had affected my quality of life, credit history and employment opportunities. Thank you.
Product: Debt collection

I will not stop with my complaint until something is done this was wrong and it was already removed from my credit report in XXXX  because this is a third party company they went and garnished me WITHOUT my knowledge or proper documentation was NEVER GIVEN TO me to so no one personally looked at it.
Product: Money transfer, virtual currency, or money service

On Saturday XX/XX/XXXX I attempted to purchase digital gift cards from PayPal using my PayPal account balance. I attempted to purchase several gift card sets and received the following error message : " Sorry, we can't complete this purchase at this time. Please return to merchant and choose another way to pay. '' It took three emails and two phone conversations to determine that PayPal is arbitrarily blocking my payments and won't provide any insight as to why or how to remedy the situation. I can only describe this level of service as terrible. PayPal can not provide any insight in to why the transactions are being blocked. They offer no remedy or potential solution other than to try again in 2 hours or 24 hours and it might work but there is no guarantee that it will work within that time frame ( or ever ).
Product: Vehicle loan or lease

On XX/XX/XXXX i purchased a used vehicle from XXXX XXXX XXXX XXXX XXXX XXXX in XXXX california for {$22000.00}. I put down {$2000.00} and financed the rest. I was financed by Consumer Portfolio Services Inc. in XXXX CA. The amount financed was {$22000.00} and the loan term was {$560.00} for 72 months. During the past 6 years I had the loan I deferred 4 payments due to financial issues. I haven't had any late or missed payment since XX/XX/XXXX. I have made a total of 72 payments, which were the loan terms, and yet when i go to my account it shows that my loan won't be paid off until XX/XX/XXXX and  I owe {$7200.00}! I have no idea why this loan isn't paid in full yet since my final payment stated in my original loan paperwork was to be XX/XX/XXXX. There's no way possible that I can still owe such a high amount after making all the payments on the loan. I have called several time to the lender to try and get an explanation and I never get a person, only voicemail. I leave a message and nobody ever calls back. I've also filed an online complaint through their website and have received nothing back from them. I don't feel that I owe anything more to them since i've made all the payments plus there's no way that the balance could still be so high. I also don't think it's legal for them to change the loan maturity date without my consent. To top it off, this car has been in the shop repeatedly since the first week I bought it to the tune of {$13000.00}! Currently it sits in my driveway and I can't even drive it. I need to get rid of this car but I can't because the loan amount never goes away! This company is a predatory lender and I want it to stop. I've fulfilled my end of the deal and then some, they need to deem this car paid in full and give me my title so I can finally get rid of this piece of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX Im writing to file a complaint I have been disputing chase bank accounts XXXX XXXX I have been disputing this account with you since XX/XX/XXXX XX/XX/XXXX I need to Know how is these 2 accounts reporting on my credit file per the FCRA 623 AND FDCPA B state that the creditor MUST MUIST enter a noticed of dispute. IF THIS IS NOT ENTERED THE ACCOUNT CAN NOT I REPEAT CAN NOT REPORT ON THE CREDIT REPORT this has been since XX/XX/XXXX Please delete these Two accounts ASAP FCRA VIOLATION
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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I purchased a computer through XXXX on XXXX 2014 for {$680.00} with no interest for XXXX month through GE Financing. The first payment for {$36.00} made to bring the balance down to {$650.00}, after that I made arrangement with my bank to send {$50.00} a month on the XXXX part of each month, after XXXX month I checked a statement for the fist time, my balance instead {$150.00} it was {$240.00}, I called customer service and ask them why? they said those are late charges, because the payments were due beginning of each month but we have received them few days late and you were {$35.00} late charged every month, I told them I did not know otherwise I would have send them long before due date as I do it for my car and house payments almost XXXX month earlier, you have received payments regularly every month at a same time and also you were payed more than a XXXX, also I paid off the whole amount in XXXX year, but the logic was not acceptable to them. At the end of our argument I suggested {$70.00} to settle the case down ( punish myself for trusting them ) but it was not accepted instead they ask for {$200.00} and I did not accept it either, I believe they are a rip off. Please let me know what my legal actions are? sincerely.
Product: Student loan

I had multiple types of loans upon graduation in XX/XX/1996. The loans were originally consolidated with XXXX XXXX into XXXX larger loan instead of a bunch of smaller loans. During a few years, there were deferments when I was out of work, etc, but once everything switched to navient, I cant check on my statements, etc. I did get in touch with them once about not being able to manage a XXXX a month student loan. They looked into it, and wa la! My payments went UP to XXXX a month. It 's killing us to make this payment every month, but navient is NOT willing to help in any way to figure out a better alternative, except for forbearance, which as we all know greatly increases the amount of money you owe. They are impossible to get in tougch with, and when you do, they are unwilling to help.
Product: Credit reporting or other personal consumer reports

On multiple occasions I have disputed incorrectly reported in formation on my credit all for the credit bureau to still report these disputes on my credit I have asked them to provided me with information and I have not receive anything other them telling me that the information is reported accurately. 

XX/XX/year> Report Number XXXX Reported XXXX  XXXX XXXX credit card that was not mine and incorrectly reported on my credit which still remains also under same report I reported XXXX XXXX that was paid off that should have been removed from my credit witch is still being reported I have disputed both of these items multiple times with no result or resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 XXXXXX/XX/XXXX