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

On XX/XX/XXXX I deposited a donor 's check into my non-profit checking account at the XXXX & XXXX XXXX, XXXX, PA branch. When I put the check in the machine it read it as {$300.00} when it was a {$100.00} check. I removed the check and redeposited it. The screen showed {$100.00} which was the correct amount. Later when I checked my BB & T mobile app it showed a {$300.00} deposit. I immediately called the branch where I deposited the check and was told it would be caught by the " back office '' and corrected on Monday. Monday it was never corrected. I called the initial bank and was told to wait a couple days that the error would be caught by the " back office ''. I tried calling the initial bank on XX/XX/XXXX after seeing on my mobile app it still wasn't corrected and no one was picking up the phone so I called another branch ( XXXX XXXX XXXX, XXXX, PA ) and was told that they could not see the check on the screen I would have to call the initial branch. I said I have been calling for hours but no one is picking up. She gave me the email address of an employee and I sent him an email and as of this date he has not responded. I called customer service XXXX number and was told that I would have to contact the initial bank where the deposit was made. I called them on XX/XX/XXXX and said I wanted to speak to the manager and was told there was no manager on duty. I relayed my whole story and was told the same excuse ... the " back office '' will fix it. I called the toll free number again and spoke with XXXX and was told that she would expedite the correction after she saw the check amount was {$100.00} and it would be done in XXXX business days, hence XX/XX/XXXX and she would make a complaint for me. The correction is still not made and so I called customer service again today and was told by XXXX that she saw my complaint with XXXX and that it would " be fixed in XXXX business days '' and she will make a complaint for me. Worst part of this whole ordeal is that the {$300.00} was deducted from the donor 's account, it was not caught by his bank, XXXX XXXX, and they said it has to be fixed on my end.
Product: Debt collection

On my credit report, it shows that a collection company is charging me XXXX for back owed rent from XXXX XXXX, I have never owed them back rent and all rent when my lease was still in term has all been paid. I have been trying to dispute this for over a year as there is an inaccuracy with not only the amount but who I must pay it too
Product: Credit reporting or other personal consumer reports

On XX/XX/, I bought a credit monitoring service from Equifax, but it never works, and I have been calling them every month since XX/XX/, to try to cancel it because the product does not work at all, but they keep charging me {$9.00} since every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX EXPERIAN XXXX XXXX Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
The accounts are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX 's XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is continuing to report incorrect addresses on my account after I have sent in disputes regarding this inaccurate information. The last dispute sent in certified mail was XX/XX/22 tracking number XXXX.
Product: Credit card

Kindly consider the attached documents. I ask that the bureau launch an investigation into these accounts inaccurately portraying me as delinquent despite my timely payments.
Product: Credit card or prepaid card

okay first things first.. I XXXX XXXX have applied for my unemployment COVID-19 BENIFITS ON THE XX/XX/XXXX OF THIS MONTH ALSO, I DID MY CLAIM FOR THE FOLLOWING WEEK GUESS IT DIDNT GO THRU OR ME NOT SUBMITTING THE CLAIM AFTER ALL WAS DONE ... .. I WAS DISCHARGED FROM XXXX LA XXXX HOSPITAL ON FRIDAY XX/XX/2020 AT XXXX ... MY STAY THERE WAS 4 DAYS ... MY PHONE HAS BEEN DISCONNECTED SO I DONT HAVE ACCEST TO A PHONE ALL THE TIME ... .. ALSO I REQUESTED A PREPAID GOVERMENT CARD AND STILL HAVENT RECIEVED IT .... I DONT KNOW WHY I AM DISQUILIFIED FOR BENIFITS ... I HAVE BEEN APPLING FOR JOBS AND ALSO IM IN NEED OF MY BIRTHDAY CERTIFICE SOCIAL SECERITY AND MY PERSONAL IDEFICATION CARD ( ID ) .... PLEASE TO WHOM THIS CONSERNES I AM ALMOST HOMELESS WITH NO WHERE TO GO AND IN NEED FOR MY BENIFITS ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Money transfer, virtual currency, or money service

I was scammed out a considerable amount of money with the pretense that it was for medical equipment in the XXXX.
Product: Student loan

Company : Heartland ESCI Complaint : My Federal XXXX  loan was transferred from my university ( XXXX XXXX XXXX at XXXX  ) was transferred to a third part without informing me. I had it setup for recurring payments, and was receiving all of my tax documents via e-mail just fine. When it was transferred to Heartland ESCI, they informed me my account was due by calling my parents disconnected land line, so of course, I had no idea what happened, and my account when into debt collection. I did get a very supportive customer service assistant once I figured out the company was Heartland ESCI who helped me get a forbearance on the account in order for them to take it off my credit report. She literally gave me full, detailed instructions because she said there are a lot of small things people mess up on and then they end up paying and not getting it off their credit. Essentially, I mailed in a form, had to wait to hear back that they accepted the forbearance, and then I could start paying. They never informed me of the acceptance in a timely manner - they actually sent me a form saying my forbearance is up and my account was past due which was super confusing. So I paid the past due and the current due and setup automatic payments. 

I started getting letters in the mail every week saying I was past due. I assumed this was from before, but then I kept getting them. I signed into my account and every time on the home page it said I only owed the amount my automatic payment would be paying for on the date it was owed ... today I was basically told I was going into collections again, so after waiting to chat with an associate for 75 minutes (!! ) I was told I had to go through several breadcrumbs in their UI to see the past due amount. If you go to make a payment, it doesn't even come up as an option, so I'd have to copy and paste that amount from an old statement. It's absolutely ridiculous. Honestly, with everything that's happened with this company I just paid off my loan amount in full today. I can afford it - what I can't afford is to be penalized by this company again. I literally don't have the countless hours needed to sit on hold, make assumptions from poor UI/Website design, etc.. Honestly, this shouldn't be this hard to navigate. My university 's loan website looked like it was made in 1992, but it was pretty darn clear. So I'm not sure if this is just plan bad design, or if it's predatory. I genuinely can't tell and it makes me uncomfortable.
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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

I am writing to follow up on my previous dispute, Case # XXXX, submitted on XX/XX/year>. Despite my repeated requests, the unauthorized hard inquiry remains on my Experian credit report. This is unacceptable and requires immediate correction.
Product: Checking or savings account

I previously had a checking and savings account with Wells Fargo. In the past I have discovered fraudulent charges on my accounts, which I have successfully disputed to Wells Fargo. These charges were for relatively low amounts of money, so I never had an problem with Wells Fargo refunding my money. However, on XX/XX/XXXX I deposited a large check totaling {$12000.00} into my savings account and immediately began suffering from fraudulent ATM withdrawals in much higher amounts, ranging from {$200.00} to as high as {$1500.00} the total amount of fraudulent charges amounts to {$7200.00}. However, I did not learn of these fraudulent charges until XX/XX/XXXX. I immediately called Wells Fargo around XXXX PDT and arranged to come into the Bank in person the next day. The following day, XX/XX/XXXX, I went into the Wells Fargo location XXXX, California to formally dispute the charges and file a complaint. While Wells Fargo did cancel my debit card connected to my savings account and issued me a temporary card, I have yet to receive a refund for the fraudulent charges that had already occurred. 

Wells Fargo has confirmed that I filed my complaint ( Claim XXXX ) on XX/XX/XXXX. In response to my complaint, they sent me a letter on XXXX indicating that they would investigate the claim. They then sent another letter dated XXXX claiming that they had investigated the matter, and the withdrawals were made by me or by someone I authorized. This is false. Wells Fargo also claimed that there were " several undisputed transaction completed with the debt card within minutes of disputed transactions. '' This is also false. All of the charges between XXXX XXXX and XXXX XXXX were not authorized except the XX/XX/XXXX recurring transfer. I have attached documents of the fraudulent charges in question, as well as all the correspondence with Wells Fargo about this dispute. 

On XX/XX/XXXX, I sent a letter to Wells Fargo asking them to preserve the ATM video recordings. That letter contains incorrect dates because of a misunderstanding with a translator. The remainder of the facts in the letter are true.
Product: Consumer Loan

To whom it may concernI 'm writing you today about my horrific treatment by Westlake financial services, I purchased a XXXX Mitsubishi endeavor at a dealer XXXX XXXX XXXX. in XXXX XXXX in XXXX 2015. I put done {$5000.00} on a {$7000.00} car, but for some reason Westlake just sent me a bill for over {$8000.00} not sure where they get that number from. On XXXX XXXX my car was repossessed because I was behind on payments due to me being furloughed from my job with the state of XXXX. I paid off the outstanding balance within 72 hours and wanted to get my car back. 
I was told by Westlake customer services that by paying the outstanding balance the car would be held in XXXX and would not go to auction. After I paid the balance I contacted Westlake customer services and they could n't locate the car, the car had been moved 4 times and was no longer located in XXXX State. It took Westlake customer services over a week to find the car, when they located the SUV it was in XXXX at an auction house. 
Westlake failed to send the release papers to the tow company which meant I could n't pick up the car and it took Westlake over a week or more of me calling everyday sometimes hourly for them to send the release papers. I contact Westlake customer services and got very little help and was transferred to other departments I asked to speak to a manager and was told " no '' rudely. I tried contacting their corporate headquarters and got no reply. 
The vendor/sub-contractor Westlake used to tow my car lost the plats to the car and I needed a notarized letter from Westlake stating that in order for me to get new plats for the car, Westlake customer services had me contact the towing company for the letter which they responded with no and stated that it 's not their policy to give notarized letters I then contacted Westlake again and was told someone would call me back. In addition, I found out that the SUV windows were left open and the inside now has water damage that needs to be fixed. I keep trying to contact someone in management at Westlake and all I 'm ever told is that someone will call me back which they never do. 
It 's now one month later and I still do not have the car back Westlake is demanding payment for the car but it 's in their possession. Due to this stress caused by Westlake I have miss days off from work and the stress has aggravated my medical issues. I would like to end my contract with this company as they are very unprofessional, rude, and they are predatory lenders. 
Reviews of Westlake online are negative and other people have had the same problems with Westlake as I have. Could you please help me bring a much needed resolution to this problem because Westlake will not respond to my calls or emails, my account number is XXXX. Thank youXXXX XXXX
Product: Checking or savings account

I was scammed into giving out my information for TD Bank and the people changed my password and i received a message saying i owe money to the bank now
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I requested an investigation of my credit file because I felt the item was not being reported legally. On XX/XX/year> I received a letter stating the investigation was complete and the following items had been verified. Since XXXX concern about the practices of credit reporting agencies using service like E-Oscar & XXXX to verify information I need you to please answer the following question : Please provide me a complete copy of all the information that was transmitted to the data furnisher as part of the investigation. As required by FCRA.

1.Who did you speak with?

2.What was the date?

3.How long was the conversation?

4.What was their position?

5.What number did you call? 6.What is the name of your employee that spoke directly to the creditor?

7.What is the position of your employee that spoke to creditor?

This inaccurate reporting has caused me SEVERE financial and emotional distress & Id like this matter resolved immediately. Please reply within 15 days to the above question or delete the following items. 

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

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

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I have reached out to the company and explained to them that I had moved out of residency well over a month until the bill was canceled I also had issues as far as mentally and as well as emotionally with the death of my grandfather and such as well they have record that on the date I moved out I had called to set up a payment plan but evidently not to cancel my bill I have expressed that I have written letter from the landlord stating I had moved out on the XX/XX/XXXX if I have written documentations from the apartment management stating I moved out on the XX/XX/XXXXXX/XX/XXXX2017 they should at least have the decency to retro act the bill for the times I was not living there essentially they are billing me for services that were never used do to the fact I was not living there at least if the company in my opinion and any class and any respect for the customers they would rectified the amount due but they don't want to do it because I supposedly did not cancel for another 1 to 2 months ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint against : XXXX XXXX XXXX, Transunion, XXXX  and XXXX  I purchase a vehicle in XXXX that was was voluntarily repossessed by XXXX XXXX XXXX in the State of Connecticut on or about XXXX of XXXX, and resold on an unknown date. 

My beginning balance on this account was {$20000.00}. I also made at least 24 payments of {$350.00} ( {$8400.00} ). This difference is close to the reported balance. However, I never received credit for the sale of the car & was also informed by the IRS that a XXXX tax form, 1099-C, was issued by the creditor ( please see the attached IRS transcript ). 

The original creditor never sent me a notice of sale nor any documentation related to the issuance of the 1099-C.

THIS TRANSPIRED TWO YEARS AFTER THE VOLUNTARY REPOSSESSION DATE.
Product: Checking or savings account

XX/XX/22 my checking and savings account was drained by td bank and they couldnt even tell me why when I called!
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. Please remove them!
Product: Credit reporting

I ask Experian to remove to accounts from XXXX XXXX account number XXXX and XXXX XXXX XXXX account number XXXX. These are the same accounts. XXXX XXXX XXXX has been reporting on my credit report since XX/XX/XXXX and XXXX XXXX XXXX has been reporting since XX/XX/XXXX. I never paid anything on either account and the accounts have been on my credit report exceeding 10 years. If you request payment history, there is none which means that the accounts will be eligible for deletion from the last payment date up to several years and these accounts have been on my credit reports exceeding the seven year deletion period. XXXX and XXXX XXXX are fraudulent reporting to keep on my credit report but however I know and even more so, Experian knows that is against the law, FCRA. I am again requesting the immediate deletion of the accounts from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XX/XX/XXXX I have attempted communication with Chase in regards to several of unauthorized inquires made to my XXXX and XXXX  credit files. ( XXXX inquiry dated XX/XX/XXXX ; XX/XX/XXXX ) ( XXXX   inquiry dated XX/XX/XXXX ). I have requested Chase to forward documentation with my signature of authorization of which had not been produced. It at this point is a violation of the FCRA regulations. Again, Please produce validation of these inquiries. If proper validation can not be produced and Chase continues to report these inquires on my XXXX and XXXX files, I will have no other option but to file civil suit vs institution.
Product: Payday loan, title loan, or personal loan

The Lender : Minute Loan center XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX I borrowed {$200.00} from them on XX/XX/19 and was told to pay them back {$150.00} on XX/XX/19 and XX/XX/19. The APR was 428.994  % ( excuse me ). After paying two payments of {$150.00} successfully, I owed a final payment of {$130.00}. EMG Minute loan withdrew {$310.00} from my Account on XX/XX/19. I called them to hear from them that this would be THE LAST payment because they have been paid 3 times over the original loan. They did not answer and hung. Up the office phone several times. Unfair to the Borrowers who are being swindled for their benefit. Thank you
Product: Bank account or service

Recently, I deposited a check from my XXXX XXXX account to my Union Bank account. The day after funds transfered to Union Bank I noticed my funds were on only partially credited to my checking account. A Union Bank branch manager told me that the partial credit would be on hold for 2 - 3 days after funds transfered in. How many days does Union Bank legally have to hold client funds once the transfer has been credited to thier ledger?
Product: Credit card or prepaid card

Some hackers had my information and got a credit card in my name and now I cant get a capital one credit card. I didnt know that I was a authorized user on the account and I checked my credit score and it said that I had a capital one card in my name. I need some help so I can get my credit score back in order.
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 U.S.C. 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 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency may consumer report containing any of the following items of information any other adverse item of information other then 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate