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

On XXXX XXXXXX/XX/2022, I tried to deposit {$220.00} cash into my Regions Bank checking account using their ATM. The ATM took my cash deposit and returned a {$20.00} bill and gave me an error message. It returned my bank card to me as well. The ATM then returned to the welcome screen and did not add my deposit to my account. 
I immediately drove up to the bank teller window, spoke with XXXX, telling her what just happened. She told me that she noted the time and would fill out a report immediately. 
XXXX went by and I never received any information on my missing deposit. I went into the bank and was eventually helped out in receiving a provisional credit. After receiving the credit and having it for a XXXX XXXX, Regions then sent me a letter telling that they had reviewed the situation, and they took back the provisional credit. 
I have since gone into the bank XXXX asking for any information or help on getting my deposit back. XXXX will write down my phone number on a post it note with other random notes, tells me she will call within a XXXX XXXX, but never does. I was also advised, by XXXX, not to use the ATM, as it is unreliable and this same situation has happened to other customers. 
Any help or suggestions would be much appreciated
Product: Money transfer, virtual currency, or money service

I have an open case on Paypal case number : XXXX XXXX Paypal has kept my money on hold for over 5 months. 
On XX/XX/XXXX i used Paypal to receive payment for an item i sold, the total amount was {$3700.00} usd, on XX/XX/XXXX the buyer open a complain demanding a refund of {$500.00} usd, at first i denied giving the refund but after talking to the buyer on XX/XX/XXXX i did agree on giving the {$500.00} back. 
after all this i supposed to receive payment for the amount of {$3000.00} usd and till today XX/XX/XXXX of XXXX that amount is still kept on hold by Paypal. 
i have submitted proof that the item has been delivered and i have agreed to give the refund to the buyer as he requested. 
Paypal keep telling me to wait and say that the buyer 's financial institution has to fix the issue, i used paypal trusting it was a safe way to receive payment but they don't seem capable of doing nothing to help resolve this problem, I want my money for the item I have sold.
Product: Debt collection

I just received an email from a company I have no idea what they are talking about. 

FINAL NOTICE OF DEMAND Creditor : XXXX XXXX XXXX. 
Account Balance : {$1200.00} Docket File : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ( Unpaid Loan ) Payment Plan : {$30.00} ( Every Two Weeks ) Payment Mode : XXXX XXXX XXXX XXXX We refer to our above Invoice and previous requests for payment. We note that despite our requests our Invoice remains outstanding. Please note that you are now in defaulters list. 

Unless you now attend to payment in full or in payments strictly today, it is our policy to refer the matter to our XXXX XXXX XXXX XXXX & XXXX XXXX, for recovery without further notice. 

Please note that if such action is necessary you will also be liable for collection costs and interest pursuant to our Terms & Conditions of Trade in addition to the total outstanding balance. 

We understand that Invoices can sometimes be inadvertently overlooked or not prioritized. 

We trust that you will now give this matter appropriate attention and attend to set up payment arrangement today so that no further action will be necessary on our part to recover payment. 

We look forward to payment today. 

Please don't disregard this letter. This is our final attempt to reach you before we forward this matter to the Law Enforcement Department. 
Send us email at mailto : XXXX Settlement Amount : {$1200.00} Payment Plan : {$30.00} ( Twice A Month ) Payment Mode : Online Click here to send us email for Settlement Attorney XXXX XXXX ( Recovery Department ) Account Settlement | FDCPA | Elite Recovery XXXX   2020 CONFIDENTIAL : ATTORNEY-CLIENT PRIVILEGED ; ATTORNEY WORK PRODUCT : Emails and attachments received from us may be protected by the attorney-client privilege, as attorney work-product or based on other privileges or provisions of law. If you are not an intended recipient of this email, do not read, copy, use, forward or disclose the email or any of its attachments to others. Instead, immediately notify the sender by replying to this email and then delete it from your system. We strictly prohibit any unauthorized disclosure, copying, distribution or use of emails or attachments sent by us.,
Product: Money transfer, virtual currency, or money service

From my commercial XXXX XXXX XXXXXXXX account, I used Zelle services to send my rent check of {$2600.00} to the property management company. They never received it. I called Zelle from XXXX XXXX XXXXXXXX office and requested information. They responded weeks later saying this claim was too old and they would not open a case. I sent a certified letter to the address listed on their letter head and said, 'I did not ask to file a claim and wanted information '. No response from Zelle.
Product: Credit card or prepaid card

On XX/XX/2021 I did use Citi bank credit card class a leasing to learn commercial driver license they charge extra {$1600.00}. I ask they you charge me that money. They told me u gone refund but they never do it. I started dispute with Citibank. They send me information from them. They forging my signature. I told Citibank that is not my signature. I dont signed like that.if you see the signature some person signed.
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 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 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 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: Checking or savings account

JPMorgan Chase bank closed my Non-profit Business account on Friday, XX/XX/2018, without any warning and reason. The balance in the account was over {$22000.00}. On Monday, XX/XX/2018, JPMorgan Chase closed a Joint account with my spouse, XXXX XXXX , again without warning or reason. The balance was {$2200.00}. This action by Chase caused returned checks and fees to vendors, changing all financials to our new bank and humiliation to account holders.
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue # 1 : This account was involved in a foreclosure that occurred in XX/XX/2011. We surrendered the property to the bank, which resolved any balance owed. This account still reports a balance of {$80000.00} on our credit report, but it should report as {$0.00} owed. 

Issue # 2 : This account is also reporting that we are actively 120 days past due. Once again, we surrendered possession of the property, associated with this account, back to the bank in XX/XX/2011. The account was obviously closed at that time. Despite that, BMO Harris has continued to report this account as continuously 120-days delinquent for 7 years now. The account should report as a charged-off collection as of 2011. 

Issue # 3 : It is my understanding that a creditor can only report negative information about an account for seven years according to the Fair Credit Reporting Act. From what I can see, this account has exceeded that standard. Simply put : We question the validity of this account still appearing on our credit report at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

First off I am a current Capital one customer and hold 2 of there cards, the platinum, and the spark for business. I love capital one and make all of my payments on time. 

I subcontracted for a company and a man named XXXX XXXX and he had me use his card a couple times. apparently he added my as an authorized user to his card at some point in time and states that he does this for all employees that he lets use his card. 

This was done without my permission and last week I started getting letter that some of my credit limits have been lowered due to a couple late payments. after investigating I see that his account is reporting to my XXXX credit report and this is not a reflection of my personal payment history as I have a stellar 100 % payment history. 

I would like this account removed from my personal credit report so that I can try to fix the damage that has been done with my credit limits reduced. My utilization was at 15 % and now that my limits have been lowered my utilization has jumped up to 65 % which on top of the late payments have dropped my score over 144 points!! 

I am sickened by this and hope for a quick and speedy resolution! I take pride in my credit and need this fixed!
Product: Debt collection

This is in regard to a software contract my company signed with XXXX. XXXX was contracted to create a mobile app tie-in with XXXX ( XXXX ). They were not able to deliver the software as contracted despite numerous attempts. We were unable to pay some of the monies owed due to incorrect wire transfer information or accounts, and XXXX never corrected this issue as well. XXXX then proceeded to send our company information to the collections company Recovery Solutions Group , LLC. The contract signed has arbitration as the method of contract dispute, not collections. 

The company Recovery Solutions Group , LLC never notified us of our right to dispute a debt. They have repeatedly emailed and called our individual company emails, company cell phones, the main phone number, etc. They have sent paper copies to our business address. They have sent collections notices to my personal address, even though it is a business debt. The contract was signed as a business, independent of my personal information. 

Now as of today XX/XX/year> they have contacted my mother at her personal phone number. She has absolutely XXXX association with my company or this contract. I am forwarding this information to our attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : CBNA Account # : XXXX I was never late 30 days late in the month of XXXX 2017. I have always made my payments on time. I am not sure how this happened. I believe that I had made my payments to you when I received my statements. My only thought is that there was a billing error with my statement.
Product: Checking or savings account

I have submitted several disputes to Early Warning Services ( consumer ID XXXX, ) XXXX XXXX regarding two accounts being reported as account risk by XXXX XXXX XXXX XXXX. The accounts listed do not contain my social security number or address, yet despite several disputes being filed, EWS has replied consistently that they were able to verify the information as accurate and belonging to me, which is obviously incorrect, and they are refusing to remove this information.
Product: Credit reporting or other personal consumer reports

I paid off my loans with XXXX back in XX/XX/year> but it is still showing up on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised the unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance XXXX Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Product: Checking or savings account

I was in XXXX on a business trip and went to an establishment called XXXX XXXX on XX/XX/XXXX. While I was at this club, I realized that I no longer had possession of my wallet. I looked frantically for my wallet before asking a waitress if she had seen it, she acted as though she didn't understand me. I then found the manager and asked him if anyone had turned in a wallet. He acted like he didn't understand the question, but eventually told me no wallet had been turned in. I returned to the table to find my wallet sitting in a spot that I would have noticed when I was looking, but was just relieved to find it. Upon leaving the establishment, I tried to pay for a taxi, and was told the card was declined. I checked my bank account online and realized that someone had, in multiple transactions, taken more than 6000.00 from my checking account via debit card transactions. I went back to the club to confront the manager, but he acted like nothing had happened told me that he was closing. After getting nowhere with the merchant, I contacted Huntington National Bank  customer service to dispute the transactions as fraudulent. I told them that I didn't have my wallet for an extended period of time, and that I did not authorize these charges. I said to look back in my 7 year history as customer to see that spending XXXX in a night is not something I do. I asked why my card didn't stop working to prevent further activity once I hit a certain dollar amount, and I explained that it was a foreign country. To this point, my bank has said that since the card was swiped that they will not refund the money. I am going to be unable to pay my mortgage or other household bills due to all of my liquid money being taken from me in a few short hours. I need to have this money back to take care of my family. Please help. 

Here are the transactions which all occurred in the early morning of XX/XX/18 : XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX This was all of my liquid funds. I have never had anything like this happen to me before in 7 years with Huntington Bank. I was robbed, and up to this point, I have been treated as though I am trying to scam Huntington Bank. Again, Please Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have a current police report currently on file with Chex Systems. The following inquiries viewed by others and only by you currently listed on my Chex Systems XXXX Report ID : XXXX are fraudulent and unauthorized inquiries : XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX. The inquiries arent my inquiries. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending my CFPB Complaint to inform you that the XXXX credit bureaus had violated the FCRA XXXXection 605b by inaccurately reporting inaccurate information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. These are the following accounts that needs to be corrected : XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX XXXXXXXX Balance : {$670.00} ; XXXX XXXX XXXX  XXXX Balance : {$30000.00}.
Product: Credit card or prepaid card

I have a loan with XXXX XXXX XXXX  XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX XXXX XXXX XXXXXXXX with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Product: Vehicle loan or lease

I dont have the exact amounts but I do recall various issues of charges pertaining to my vehicle loans. I recall having loans around XXXX and XXXX.
Product: Mortgage

Denied credit for exercising my rights under the Consumer Credit Protection Act ( Submitting ECOA complaint previously with CFPB ). Statement of specific reasons does not contain a specific reason as requiredSee ECOA 202.9 ( 2 ) Statement of specific reasons. The statement of reasons for adverse action required by paragraph ( a ) ( 2 ) ( i ) of this section must be specific and indicate the principal reason ( s ) for the adverse action. Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient.
Product: Debt collection

I continue to get calls from a lady named XXXX at CRM phone number XXXX She called my job multiple times saying that I owed a money from XXXX- that I borrowed online- that I didnt! and stated that I am going to have officers arrest me and that I can not work at this job with a felony. I am a XXXX  and was in front of a patient, while she was yelling SS #, my address, saying I was a felon, and officers would take me out of a patients room and this was not her fault and she will have them come to my job now! I repeatedly told her that I am not able to answer these types of calls at work and I have no knowledge of what she was talking about. Asked if she could call at a later time. She stated that she was not required to let me off of the phone. She started yelling my phone number and account numbers and stated that I can not hang up or I will be jailed!! She has called my job 2x on XX/XX/XXXX at XXXX XXXX, XXXX XXXX, and then called XX/XX/XXXX at XXXX XXXX, XXXX XXXX, and my cellphone 4x times XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and left messages this morning on my work phone saying this is a felony and if I dont call her back in a few moments she will discuss this with my employer. This lady was very disrespectful, I am at risk for losing my job!! I alspo asked her to supply a fax or email me what she is talking about and she stated that she is not liable to do so and wanted me to supply my information with no follow up.
Product: Credit reporting

I had a loan with XXXX XXXX auto financing for a vehicle I purchased. I was involved in an auto accident that totalled my vehicle and left a little over {$700.00} on the loan after insurance payments. I had gap insurance to cover that amount, but they report it as a charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX. On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns about Zelle and its failure to address and resolve issues I have experienced while using their platform.I have encountered problems with Zelle where they did not adequately investigate my claims, leaving me feeling unsupported and vulnerable to scams. Despite reporting these issues, their response has been inadequate, and my concerns remain unresolved.Zelles lack of accountability and insufficient safeguards leave users exposed to fraudulent activities, with little to no recourse for victims. This is extremely frustrating and disheartening, especially when dealing with financial transactions where trust and security should be a top priority.I urge the CFPB to look into these issues and ensure that Zelle prioritizes user safety, implements stronger fraud prevention measures, and improves its process for investigating and resolving user complaints
Product: Credit reporting, credit repair services, or other personal consumer reports

Specialized Loan Servicing reported XX/XX/2020 30 days late to all the credit bureaus. I made the payment at or before the XXXX XXXX  Mountain time cutoff but the transaction history shows that the payment was made at XXXX XXXX  so they processed the payment on XX/XX/2020. This caused the account to appear to be 30 days late. I called and asked them to correct the issue and they said that they could not and the issue is closed with their Consumer Escalations department. I told them that I would be filing a complaint with this agency and they responded that they would not remove it and the case is closed. This report is inaccurate because I was not 30 days past due and this has completely damaged my credit rating and caused me to be rejected for a refinance of this mortgage. I just want this to be corrected as soon as possible.