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

On XX/XX/2022, my husband went to an ATM machine at a XXXX in XXXX, IL. Here is the bank info on the transaction : ATM WITHDRAWAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL He requested {$200.00} but the machine only gave out {$160.00}. The man at the store said the ATM has been having problems with that and that we should contact our bank ( PNC ) and they will refund the {$40.00}. 

I filed at dispute and was given a provisional credit. I then received a letter in the mail saying it was denied ( provsional credit removed from my account ) and I could request the documentation showing what they investigated to come to their determination. I called into customer service and was told she would reword my dispute and resubmit. I then asked for the documentation and was told there was none. I received another denial in the mail. Process was repeated and declined again. I then filed a complaint with the Office of the Comptroller of Currency who referred me here. 

I have received an email and a phone message from XXXX XXXX from PNC. I returned his call and received no call back. I then sent him an email. He called back on XXXX saying he would escalate my issue and call me within XXXX hours. No such call has been made to me again. 
I would like our {$40.00} back plus the {$3.00} fee that was charged. How many people does this happen to and who is gaining financially from all this undispensed money?? 

Consumers have a right to be treated fairly and honestly, especially in these difficult times. Every dollar counts!
Product: Credit reporting or other personal consumer reports

The company Fifth Third Bank/ Account Number:XXXX has not provided any information to validate this debt as accurate and mine. The company has only provided to me a copy of a fraudulent auto loan contract which I have attached to this complaint. 

Under law 15USC6801 and 15USC6802 requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found, please remove the inquiry from the three main credit bureaus.
Product: Mortgage

XX/XX/XXXX, Bank of America confirmed with me a Cease and Desist Collections tag and code had been placed on my mortgage account. Since receipt of this confirmation, the Cease and Desist Collections tag and code was removed. My home loan mortgage account is now in active foreclosure with a Notice of Default and Election to Sell with California Declaration, a XXXX page document, has been recorded along with a separate document, a Substitution of Trustee on XX/XX/XXXX.
Product: Checking or savings account

i received a letter from Discover saying that dispute of {$340.00} would reverse. I found out that the temporary credit that issued and XXXX XXXX issued it with a few days after. the dispute was open for more then days and now they are telling me i have to pay the {$340.00} back by the XX/XX/XXXX. This unfair that the dispute was open this long and more notice 10 days to pay this back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over XXXX days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated XXXX XXXX ( XXXX ) XXXX  ) by failing to mark this disputed account as disputed XXXX ( XXXX ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating XXXX XXXX per the XXXX opinion.
Product: Mortgage

I applied to have my mortgage payments paused because I became XXXX  on XX/XX/year>. I submitted a mortgage assistance application and the company denied on XX/XX/year>. I called Shellpoint, my mortgage servicer, on XX/XX/year> when I learned of the XX/XX/year> denial and was told that I would have to be at least 60 days late before Shellpoint would reconsider my mortgage assistance application. 

I should not have to ruin my credit by being 60 or more days late before Shellpoint will pause my mortgage payments. I spent almost 10 years building up perfect credit. Although I am XXXX  and filed a claim on-time, I have not received any unemployment compensation after 5 weeks.
Product: Credit reporting or other personal consumer reports

I have reported this multiple times and only one reporting credit company responded and corrected the information. I insist that you conduct a comprehensive and diligent investigation into all the negative data on my credit report, ensuring the accuracy and integrity of the information being reported. -removal of the XXXXXXXX XXXX XXXX XXXX  mortgage account ( XXXX ) from my credit report. This account has been paid and closed since XX/XX/year>. The presence of this account on my report is inaccurate and misleading. I kindly ask for its prompt removal to reflect the correct status and prevent any further negative impact on my creditworthiness. This presence violates my rights under the Fair Credit Reporting Act ( FCRA ). I possess evidence demonstrating that the debt has been paid, and it should not be reported on my credit file. I demand that XXXX promptly investigate this matter and remove the inaccurate information. Failure to comply may result in legal action to protect my rights and seek appropriate remedies for the damage caused to my credit report and financial opportunities. I remind you of your legal obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to maintain accurate and reliable consumer credit information. As such, I demand that you provide a written response within the aforementioned thirty ( 30 ) day period, detailing the actions taken to investigate and rectify these errors. This response should confirm the removal of any unsubstantiated negative data and furnish me with an updated and accurate copy of my credit report, reflecting the corrected information, as mandated by 15 U.S.C. 1681i ( a ) ( 2 ). Failure to comply with this demand will leave me with no choice but to exercise my rights under the FCRA. I will take the following actions : File formal complaints against each credit bureau with the appropriate regulatory authorities for non-compliance with the FCRA and failure to investigate and rectify the reported inaccuracies. Seek injunctive relief to halt any further reporting or dissemination of the disputed negative data. I anticipate your immediate attention to this dispute and a thorough investigation that upholds the rights and protections afforded to consumers under the FCRA. Any further delay, negligence, or failure to act in accordance with the law will be construed as a deliberate violation of my rights, and I will not hesitate to pursue legal remedies without further notice.
Product: Credit reporting or other personal consumer reports

I open an account with upstart finance back in XX/XX/XXXX, the loan has since been paid off in XXXX, I called Upstart to request a pain in full letter from them, I spoke to several customer service agents, at XXXX, I was told that it takes XXXX hours to get a letter sent out via e-mail, that they would have to put in a request to their back office. I asked them why it takes XXXX hours to have a letter sent via e-mail. the customer service agent said that was their policy, I called them on XXXX the XXXX, as well as on XX/XX/XXXX. I have not been able to receive a letter of account has been paid in full.
Product: Mortgage

Sent all documentation showing proof of XXXX XXXX XXXX XXXX XXXX XXXX Denied in XX/XX/XXXX, XXXX XXXX as reasons of a mortgage not qualifying. Reached out to other mortgage lenders that stated a mortgage under their company would qualify for SCRA interest rates under the key provision state of Louisiana. Emailed on XX/XX/XXXX to ask for clarification as to why Mr. Cooper denies the SCRA interest rates.
Product: Vehicle loan or lease

My wife had a car loan through Ally Financial an online bank. She passed away in XX/XX/XXXX. The car was repossessed in XXXX at which time to get it back the loan was paid in full. I have never received the title or a release of XXXX to get the car registered to me. I went to the Ohio title bureau in XX/XX/XXXX to request a replacement title. They said it still showed a XXXX on the car. Ive called Ally numerous times since then and they do show the car is paid in full. They have said theyve mailed the title/release, that theyre going to mail it and XXXX get it in a week to XXXX days ( I, havent ). I get transferred to numerous people and departments to no avail. The plates on the car expire soon and XXXX be stuck with a car I cant or shouldnt drive because of their negligence. The car is or should be legally mine but I cant prove that since I dont have the proper papers. The loan was in my XXXX name only, XXXX XXXX XXXX for a XXXX XXXX XXXX. I would tell anyone not to do business with Ally Financial
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I filed a XXXX  complaint against XXXX XXXX for reporting adverse credit file information to all three bureaus related to an account that was not mine. I also contacted them multiple times at their Complaints Email address. They never responded at any point directly to my complaint. They did, however, remove the account that was not mine when I challenged the ownership of the account through all three bureaus. So the original issue has been resolved. However, do to the bizarre nature XXXX XXXX 's response to my complaints, there are new issues. First, they began to report new false information. Each of my XXXX XXXX accounts including my auto loan are now reporting " Customer Disputes. '' That is 100 % false. I never disputed those accounts. I only disputed an account that was not mine, which is now gone. Also, they deleted my auto loan from my Equifax credit report. That mistake needs to be corrected. I never disputed that auto loan, and I never asked for it to be removed from my report. My accounts with XXXX XXXX have a flawless payment history and responsible use. I expect this positive information to be reported, and there is no valid reason to have dispute status on my accounts when they were never disputed. Lastly, XXXX XXXX needs to stop sending me pieces of mail that make no sense. I have gotten several letters from them since my original dispute that say, " Sorry, but a careful review of your account shows it is not eligible for Service Members Civil Relief Act. '' Wow. Totally irrelevant. I sure wish they would have humans instead of computers handling these situations, because they keep making this same blunder. I also got a piece of mail saying they are trying to contact me about my auto loan account based on my inquiry, I made no such inquiry. My auto loan has a perfect payment history, and there was no dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank # XXXX is reporting an account to my credit file with a balance that it should not have. This debt is paid off and I need the entire account removed or updated to show a good account.
Product: Checking or savings account

My complaint is that Union Bank & Trust withdraws the funds for checks mailed to companies the day the check is cut and mailed, not when the company being paid actually cashes the check. Most recent example : The Rent payment for my business location was setup thru bill pay to be paid by the XXXX of XXXX. The funds were actually withdrawn from my account on XX/XX/XXXX. The check did not get to my landlord until Friday XX/XX/XXXX. The bank is earning interest ( the float ) on my funds for over a full week. I have never banked with a company that pulls the funds out the account when the check is cut, unless I was getting a certified check. If this practice is not illegal, it is surely unethical. This check will probably not be cashed until today, XX/XX/XXXX. However, I have no way of knowing for sure when the check is cashed because of the way they are processing checks. To top it all off my payment was a day late! I find this process to be completely unacceptable. This was not the policy at Xenith Bank. So far I am very disappointed with this bank merger and considering moving my accounts to another bank.
Product: Debt collection

On XXXX XXXX XXXXXX/XX/year>, XXXX XXXX, who was a co-tenant on the lease for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, paid all outstanding balances in the amount of {$3800.00}. This payment, as documented by the receipt, included rent, utilities, and lease settlement fees. The notice to vacate corroborates that no additional amounts were due upon our move-out on XXXX XXXX XXXX. 

After the property was sold to XXXX XXXX and renamed XXXX XXXX XXXX XXXXXXXX XXXX, I ( XXXX XXXX ) was contacted by Columbia Debt Recovery LLC, dba Genesis, claiming I owe {$1300.00}. Notably, the collection agency pursued me, despite the fact that XXXX XXXX, who made the final payment, was also listed on the lease. This discrepancy raises additional concerns about the handling of tenant accounts. 

When I contacted XXXX Partners to request clarification and documentation, their accounting team failed to provide an itemized breakdown of the alleged debt. When I inquired about the status of my unreturned security deposit, the accountant simply replied, " I don't know. '' This lack of communication and failure to provide evidence contradicts my records, which confirm all obligations were fulfilled, and my deposit should have been refunded. 

This issue does not appear to be isolated, as multiple complaints filed with the Better Business Bureau highlight similar concerns about unreturned deposits and unexplained charges during the property 's transition to XXXX Partners. The mishandling of tenant accounts has caused unnecessary stress and inconvenience for many.
Product: Credit card or prepaid card

Hello, I have a Comenity MasterCard and starting XX/XX/2021, I had a balance of {$410.00}. Back in XX/XX/2021, there was a payment posted by a mail-in check of {$1800.00} that I am fully aware I did not send. I have called them multiple times regarding this situation. The first representative I spoke with told me to not worry about the payment which I am afraid someone might have mistakenly posted on my account. The second representative I spoke with opened up a case. 

Once they were done with the investigation, not only did they reverse the {$1800.00} payment, they increased my balance by {$1800.00}. Now I am owing a total of {$22000.00}. I have been calling them regarding this situation since XX/XX/2021. I spoke with 2 representative that told me to wait 30 days. I called again XX/XX/2021 and the representative opened another case, but I have not heard from them at all. And no one has been able to help me with my situation. And I was told that it will not affect my credit. 

I am still making payment on this account and has not missed a payment. This is has been affecting my credit score negatively.
Product: Checking or savings account

We were trying to deposit checks to via mobile app on XX/XX/XXXX to Chase bank but we weren't allowed to. We called Chase on XX/XX/XXXX and they said it is because they are closing my business account. The only reason they provided was " fraud ''. I tried to take out money in a branch on XX/XX/XXXX to start a new account somewhere else but they said they could not give me any of my funds. I had {$14000.00} in available cash in the account and asked for {$9000.00} but they refused to give me any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act Reporting act 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 an account without my written instructions.

15 U.S.C. 166B A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Product: Debt collection

I have called AWA collections and confirmed that this debt is not mine, the date of birth and social security number is not mine. I was told to put in a dispute with XXXX and I have done so two times already but XXXX keeps approving the amount when AWA has already told me this is not my account or debt.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my deep concern and frustration regarding the ongoing presence of charge offs, accounts included in bankruptcy, and public records despite our repeated attempts to rectify this issue. As we approach the several round of addressing this matter, it is evident that more concerted efforts are needed to effectively manage and remove these adverse records from our systems. 

I urge you to conduct a thorough review of our procedures and systems to identify any systemic weaknesses or gaps that may be contributing to the persistence of these adverse records. It is essential that we implement robust controls and enhanced monitoring mechanisms to prevent the recurrence of such incidents in the future. 

Additionally, I encourage you to prioritize customer communication and support throughout this process, providing clear guidance and assistance to those who have been impacted by these adverse records. Transparent and timely communication regarding the steps being taken to address their concerns is crucial in restoring trust and confidence in our organization. With this, I am asking for your assistance to remove these items in my credit file : XXXX. XXXX XXXX XXXX Balance : {$1200.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 
XXXX. XXXX XXXXXXXX XXXX Balance : {$2400.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 
XXXX. XXXX XXXX XXXX XXXX : {$0.00} - This is showing to be XXXX past due as the current status but it also says its been transferred. Youre showing a payment due amount but how can I owe something to a company that no longer owns the account? You need to change the description to say and change the XXXX XXXX to say : Paid as Agreed. Please remove all the negative information as well as it is a violation of automatic stay and bankruptcy court orders. 
XXXX. XX/XX/XXXXXXXX Bankruptcy Reference # : XXXX Liability : {$0.00} - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. It should no longer be reported because it is past the XXXX statute of limitations that a credit bureau can report. Please update the filing date and then remove.
Product: Credit card

Ulta credit line with wrong credit line amount, fraud charges not reimbursed and that affected my credit score... closed it but problem was not resolved ... rewards stolen ... .they said I could not fight them ..?,... 

Wrong APR ... as well ... they did same with XXXX XXXX credit card, and others under comenity Denied XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX Credit card line wrong and wroXXXX XXXX  ... .since XXXX 

XXXX XXXXXXXX benefits limited, wrong APR, and credit line and Talbot 's credit card line of credit and APR... it is not income ... ..they are holding me down ... my income, etc and shut down other sources of income .... 

Blacklisted, defamated forgery restricted discriminated ilegally retaliated persecuted ilegally Advise
Product: Vehicle loan or lease

Since XX/XX/2021 I have been trying to get the title of my vehicle corrected. It was updated to a Not Actual Mileage/NAM which is branded title which lowers the value of the vehicle by 50 % -70 %. 

Every time I go to the dealership to trade in or sell out to improve my financial situation the branded title prevents me from moving forward. 

Over the almost 2 years there was communication about the situation with the financier, they would send the same paper work. I would fill it out and send it back to them. They would assure me they would submit the paperwork this time it should work. I just say I sure hope so! 

Well all this communication about this situation and its not resolved. Seems as if the Financing company is holding me hostage and not letting me finance elsewhere or trade in the vehicle. They want the 19+ %.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 the Collection Agency ( Direct Management ) began reporting inaccurate information and the address on the account do not belong to me. The amount listed on my credit report is {$2000.00}, however the collection agency sent a bill to me for {$1300.00}.
Product: Debt collection

I have XXXX, a XXXX supplement, and XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Everything was preapproved by XXXX. There were no charges due. 
I never received a bill from the XXXX, but now get texts and usps mail from collection agency saying I owe {$170.00}. 
Ive made 3 attempts to give them - the collection agency- my insurance information- which the XXXX had, and was told theyd get back to me. They dont. 
This time they told me the hospital gave the outstanding bill to collections and they cant help. I called the XXXX  and they say the bill is in collections and they cant help. 
Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I started receiving calls from ( XXXX ) XXXX as early as XXXX in the XXXX! When I pick up the phone, they almost immediately hang up, only to call again a bit later. My wife called the number back as I was writing this, only to find out that somebody from Navient was on the other end of the line. Navient is a collection agency who has been after me for my student loans. They have been calling several times per day, only for me to REPEAT to them that I am XXXX ( I have XXXX and can not keep a job ) and that I am already in the process of having my student loan forgiven on the basis of XXXX through XXXX. Now it seems they have resorted to straight harassment-spoofing their number so that we can not tell it is them when they call ( we usually answer, anyway ) and then just hanging up instead of even speaking to me regarding the situation and overdue payments. What the XXXX is going on, anymore? Companies can just get away with this sort of behavior?