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

On or about XX/XX/XXXX I was told my account was on hold because a suspicious check was deposited into my account. On XX/XX/XXXX I spoke with XXXX XXXX and was told there was an active investigation for deposit fraud. The bank requested that I file a police report and complete the regions ID theft kit, and I completed these in good order. 

I was informed by XXXX XXXX that the investigation was completed, and I was cleared of any deposit fraud. When I went to give XXXX XXXX the paperwork, I was informed my account was closed, and my social security number was flagged so tat I could never open a new account with regions. There were also unexplained fees from the bank that left my account overdrawn. 

I feel that I have been taken advantage of by regions banks as this is the first bank account I have opened on my own, and on XX/XX/XXXX XXXX XXXX emailed me to inform me that him and his XXXX are in agreement that I did not remotely deposit the check and that my identity as well as my online banking were compromised. I should not have to pay for something I didnt do. The bank did confirm in our call today they do not charge other bank customers any fees when they have fraud on their account. 
Please note that I have filed a complaint on this matter with the XXXX attorney general XXXX XXXX office,
Product: Checking or savings account

I bank with chase bank. I have never disputed a charge. When I went to a bar I gave the bar my debit card. The food and drinks were {$65.00}. The bar charged me {$300.00}. I called to dispute the overcharge and they asked for a receipt. I told them the bar never gave me a receipt. I called chase and got someone named XXXX XXXX disclose his last name and lives in the XXXX, I request a supervisor and XXXX said no. I want to file fraud charges against the bar and file a complaint against chase. I want the overcharge refunded and I want to sue chase and close my checking account. This has never happened to me before
Product: Credit card or prepaid card

I accidentally used the wrong card I was in the hospital under heavy medicine due to my XXXX. I explained this to several representative that it was an honest mistake. As soon as I realize what I did after I got out the hospital I submit the payment again using the correct account. Im really not able to go places right now due to my XXXX and the pandemic I explain that to several representatives so I cant get the information that is requested from my bank. The payment I made was my last payment. Now all of a sudden I have a fee of {$29.00} return check fee. I feel as if Wayfair is discriminated against me because once I explained my XXXX and the reason why I cant really get out the house the representative were not willing to take them off. I did this on a couple of my other credit cards and they have taken off the fees with no problem due to what happen to me and I was in the hospital under medicine and I XXXX plus its a pandemic.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX XXXX . According to my records, a late payment was reported for my account number : XXXX. Date late paymenyts XX/XX/XXXX  This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. 

Therefore, I request that you immediately remove the reference to the XXXX XXXX late payment from my credit report. I further request that you notify the credit bureaus ( XXXX and TransUnion ) of the removal of this incorrect information. 

Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. 

I appreciate your prompt attention to this matter. 

Sincerely,
Product: Credit card or prepaid card

I was buying some clothing staffs those Total price was {$600.00} at XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX NV XXXX By the end of XXXX XXXX beginning of XX/XX/XXXX and I paid that total amount at once time on XXXX XX/XX/XXXX by online bell payment system as of my others bells payment system by XXXX XXXX XXXX using the name numbers shown on that credit card which means before it generates late fees and an internet. 
But after a few months XXXX XXXX XXXX and Comenity Capital bank send to me the bill to pay that money with late fees and interest I said I all ready paid the full amount on time by using my debit card through XXXX XXXX XXXX They said no there for i went to XXXX XXXX XXXX and XXXX XXXX XXXX branch and I told to one of the Customers relishing XXXX XXXX she check my account and she approved as they paid for XXXX XXXX store by check and she call XXXX XXXX and XXXX to the grocery store XXXX and Comenity Capital bank they took by phone on XXXX ways system in front of me and agree to Investigate what would happen on the other week phone conversation Discussion they investigate the paid check in XXXX XXXX XXXX then that check back to XXXX  XXXX XXXX to readjust to Comenity Capital Bank and that is done on time.But Comenity Capital bank continue send to a bill to pay them late fees and internet but i said I all read paid the full amount once on time so I dont have to pay other fees and internet after different discussions XXXX  XXXX XXXX agreed to pay under my name through XXXX XXXX XXXX {$220.00} and we did that too. But Comenity Capital bank still needs I pay late fees and internet after they received so I refused to pay again with no tangible reasons this is in short what happened between me and Comenity Capital bank. 
I send XXXX pages documents with XXXX pages Covering letters on XXXX XX/XX/XXXX to Consumer Financial Protection Bureau please review that shows all the details.
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 Account Number:XXXX  Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 was a tenant at XXXX XXXX XXXX in XXXX XXXX, TX for few years and at the time of my move out, I asked management to do a walk through with me to make sure that apartment was clean and in order to avoid any misunderstanding or charges applied to me once I vacated the unit. I took pictures of the apartment on the same day that we did the walk through. Per management stated to me verbally and conversation was recorded and management was aware of this recording and agreed and said to me that I have a XXXX balance and nothing is owed. Also stated apartment was in excellent condition. The manager said that your account is paid in full with a XXXX  balance. However, 6 months later, I looked at my credit reports ( XXXX, XXXX, XXXX  ) and that they have placed me in collections for the amount of {$120.00}. This has affected my score in a tremendous way. I have made several attempts advising them this is not correct and asked them to provide pictures showing what they are charging me for and this has not been provided to me. I am requesting that XXXX XXXX delete this from all 3 of my credit bureaus ( XXXX, XXXX, XXXX ) so that my score will not continue to be damaged.
Product: Checking or savings account

This is for complaimt number XXXX. I didnt know how to reply to the complaint recieved. It saw ays that the company is in progress as of XX/XX/2020. And that they are still working in my issue. I will attach the company 's reply to my message.
Product: Checking or savings account

Chex system has violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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, 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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXXXXXX they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

Back between XX/XX/XXXXand XX/XX/2015, I requested for a deferment on my student loans that had gone out of deferment. I was informed that all payments are deferred till the following year. Because I was told they were deferred, I never checked for any correspondence from XXXX. In XX/XX/2015, I noticed on my credit report that XXXX reported my account being late for more than 3 months. Because I was told by their agent that my loan was adjusted over the phone till the following year there was no obligation to make any payments and their reporting is inaccurate. I have disputed this several times and they have not done a proper investigation and accept responsibility because it was one of their agents that informed me that my payments were deferred. I have asked for the phone conversation on that day and they couldn't produce it. 
This has a negative impact on my credit and I want them to do proper investigation on what happened on that day in XX/XX/2015 when i requested for the deferment. I have a 100 % track record of never being late with any of my creditors. This is the only account that has ever been late and that's out of the norm. This is a clear mistake on their end and they are refusing to take responsibility of their own mistake.
Product: Credit card or prepaid card

Received two ( 2 ) letters from Chase Card Services regarding applications for two ( 2 ) Business Credit Cards for two ( 2 ) of my businesses. I DID NOT apply for these Credit Cards. Called Chase and they cancelled the applications and said I may have been a victim of Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was able to seek legal advice about information and experiences that can be shared onto my consumer report. From my research I noticed that Congress granted everyone rights as an consumer dealing with our consumer reports. There are several laws this company have purposely ignored by furnishing this account onto my consumer report for over a decade now. I was able to reach out to all 3 bureaus that were reporting this account and requested to have it removed and only 1 of the 3 complied. This lead up to me now filing an complaint. Violation codes are as follows : 15 U.S. Code 1666b ; 15 U.S. Code 1681b ; 15 U.S. Code 1681e. Delete account immediately. I do not consent to you furnishing my account with any 3rd party agencies. The transactions and experiences should not be shared with any other companies without my consent.
Product: Checking or savings account

On XX/XX/XXXX, I was supposed to receive my paycheck from my employer by the end of the day. When I checked the Capital One app, I noticed it displayed a message about technical difficulties. I waited until the next morning, but no payment was deposited. 

On XX/XX/XXXX, I discovered my car had been booted, and I needed to make a payment to have it released. However, I couldnt pay because my account still had no funds. I continued waiting, but the money never arrived, and later that day, the city towed my car. I had to call out of work and spend the entire day trying to secure the {$780.00} needed to retrieve my car before storage fees began accruing. 

Today is XX/XX/XXXX, and my car is still in storage. I am unable to retrieve it because I have {$0.00} in my account. I have kids to care for and havent eaten anything since Wednesday. With Monday the XXXX being a holiday, I can not afford to pay additional storage fees for the next few days, especially since most businesses close on weekends and holidays. I urgently need the money I am owed.
Product: Credit card

On XX/XX/XXXX, I visited Chase Bank located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX, to make a cash payment of {$1400.00} at the ATM. I have consistently used this method to make my payments since obtaining the credit card. 

I inserted XXXX XXXX XXXX totaling {$1400.00}, into the ATM. The machine seemed to take longer than usual, continuously making the sound it makes while counting money. Suddenly, the ATM froze and issued a payment receipt indicating that there was a problem completing my transaction. 

I have called and initiated an investigation three times, and on the third call, I filed a formal complaint. I was informed that there was no overage reported at the ATM ; however, I have not received this information in writing. 

XX/XX/XXXX XXXXXXXX XXXX  ATM Receipt Stating there was a problem with completing my payment. Sequence # XXXX Term ID : XXXX XX/XX/XXXX XXXX XXXX Call made inside bank with my phone teller talk to XXXX XXXX to file a claim. I was told the ATM would be check in a couple days. Received temporary credit of {$1400.00} while being investigated. 
XX/XX/XXXX They reversed the {$1400.00} and added {$1400.00} back to my account. 
XX/XX/XXXX Received email stating I got a letter about reversal. No explanation. 
XX/XX/XXXXXXXX XXXX XXXX  Called number on my credit card XXXX about payment reversal. 21 minutes and they filed another claim and credited back a temporary {$1400.00} XX/XX/XXXX They reversed the {$1400.00} and added {$1400.00} back to my account. 
XX/XX/XXXX Received email stating I got a letter about reversal. No explanation. 
XX/XX/XXXX XXXX 23 minute Call ... Called number on my credit card XXXX about payment reversal. Payment manager filed another claim and a complaint for more information. No temporary credit this time. 
Today XX/XX/XXXX XXXX 17 minutes XXXX I was told to call branch to see if they have cameras. 
XX/XX/XXXX called branch at XXXX they told me they do have camera but on the investigation department Two more calls today XXXX XXXX XXXX XXXX, XXXX minutes, XXXX XXXX Minutes, still no answer of were my {$1400.00} payment is.
Product: Checking or savings account

I received a money order of XXXX on XX/XX/XXXX. My money was not made available nor any portion of my deposit. I called multiple times and was told it would be held 7 days. It is XX/XX/XXXX and my funds are not available and accd to Chase it won't till XX/XX/XXXX.
Product: Student loan

XXXX account number is XXXX. Student loan company is Navient. I have tried on several occasion to see about lowering my account to be able to afford my due to other bill and I am feeling overwhelm, my bill never seem to go down, they continually harass my father and I, my father has XXXX and is unable to assistant. so I discuss that I can pay XXXX dollars a month because I have other student loans as well and Food, clothing and shelter. They said they cant comply with my request. the original loan amount is {$6500.00} and now that are said I owe {$10000.00}. My monthly payment are {$130.00} a month. XXXX went on to ask me how i get money to pay my other bill and I told that was personal. I could like some corporation with them in this matter. I need pay lower so I can survive. My phone number is XXXX. Please help before I am forced to file bankruptcy. Sincerely XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent XXXX and Transunion a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on nor have they updated the accounts as being disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQUIRIES LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX XXXX and Experian CRAs. On XX/XX/2020, I mailed XXXX   XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX  XXXX Collection {$380.00} XXXX XXXX XXXX Charge-off {$220.00} XXXX XXXX XXXX XXXX Inquiry {$0.00} XXXX CXXXX  XXXX XXXX Inquiry {$0.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX Repossessions {$3200.00}
Product: Debt collection

I am filling a complaint against Capital One Bank. They are in violation of the Fair Debt Collection Practice Act section 807-8. They have no competent evidence bearing my signature showing I am obligated to pay debt in the amount of XXXX which they are reporting to the credit bureaus I owe to their company. 
In addition they are in violation of the Fair Credit Reporting Act section 623-b for defamation, negligent enablement of identity fraud violation by claiming I am responsible for a debt in which in XXXX  they approved an online credit card account which had not been used in years however in XXXX they sent me a letter stating some fraudulent charges were placed on the credit card account. They had credited back to my account the fraudulent charges made and would be mailing me out another card the card ending in XXXXThe card ending in XXXX is a card I never received. Therefore I am disputing charges placed on this card and the original card as invalid and not belonging to me. 
In addition they are attempting to collect money from funds which are exempt from collection,
Product: Credit reporting or other personal consumer reports

XXXX XXXX for XXXX XXXX XXXX Georgia XXXX XXXX Equifax Inc. Customer Data Security Breach Litigation ; Case XXXX DEMAND FOR CERTIFICATION OF ACCURACY & LEGAL COMPLIANCE Be advised that I am forwarding copies of this letter to the following enforcement entities : Consumer Financial Protection Bureau ( ATTN : XXXX XXXX, Director of Law Enforcement ) The Federal Trade Commission The U.S. Department of Justice Texas Office of the Attorney General I have never granted consent or authorization, either explicitly or implicitly, for my personal information or consumer data to be reported, shared, or disseminated in any manner. Any transmission of my information without my direct, documented consent constitutes a blatant violation of federal law. The information below is frivolous and needs to be removed, I have never authorized these alleged account or inquiries. 
XXXX. Debt Collections Agency Name : XXXX XXXX XXXX : Balance : {$2200.00} Open Date : XX/XX/XXXX Unauthorized Hard Inquiries : XXXX XXXX  : XX/XX/XXXX ; XXXX XXXX  : XX/XX/XXXX ; XXXX XXXX NA : XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX Card : XX/XX/XXXX ; XXXXXXXX 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 XX/XX/XXXX I am requesting a certification of accuracy for any and all information Equifax has reported concerning me and the immediate cessation and removal of any unverified, inaccurate, or unauthorized data. Failure to comply with this demand may result in legal action pursued through federal and state agencies. I expect a written response confirming compliance within 10 days of receipt of this letter