23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I received a prepaid reward American Express credit card by purchasing fuel for aircraft that I flew. In XXXX 2016 we loaded the card with what are called " XXXX XXXX '' bringing the total amount loaded to {$930.00}. The card is offered by XXXX XXXX which is a fixed base operation throughout the United States. 

Since I had not received a new card, I thought perhaps it was lost in the mail. Concerned I checked the website and saw that the balance was still on the card. I began calling American Express to let them know that I had not received an updated card and after finally getting through, the American Express representative told me that since the card was expired I could not get a new card and I would have to forfeit my funds. 

It was apparent that the rep did not have knowledge of how this particular card works so I explained that the funds do not expire and that we can continue to load money onto the cards whenever we receive XXXX XXXX. 

The rep told me I was not entitled to the funds on my cards and for me to check the terms and conditions. His answer was without a doubt, ludicrous as I, as well as my wife and many other pilots, have had multiple AE cards in the past from purchasing fuel from XXXX XXXX and never had a problem. 

I checked AE 's Rules, Regulations and Disclaimers and there is nothing stated that the cardholder forfeit funds that were loaded onto the card. Additionally, the card clearly states that the funds do not expire. See attached documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports written consent was never provided to report this information. Please remove this inaccurate information immediately. 
XXXX & XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports written consent was never provided to report this information. Please remove this inaccurate information immediately. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports written consent was never provided to report this information. Please remove this inaccurate information immediately. XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports written consent was never provided to report this information. Please remove this inaccurate information immediately. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports written consent was never provided to report this information. Please remove this inaccurate information immediately. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports written consent was never provided to report this information. Please remove this inaccurate information immediately. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I deposited XXXX checks in the amount of {$28000.00} in an ATM at Chase XXXX XXXX XXXX ATM on XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/2022 at XXXX. 
The ATM malfunctioned. 
The ATM Rebooted in the middle of the deposit process. It showed that its performing a Software Update. Once the Update was completed it returned with a RED Message saying the ATM was not in service. 
The ATM did not Deposit my funds nor did it RETURN MY XXXX CHECKS I had inserted. 

I immediately went inside the bank and asked for help. I wasnt helped with any urgency or concern. The teller names XXXX ( she didnt have a name badge nor would she tell me her name ). XXXX told me I needed to call the claims department and they she cant do anything because they dont deal with that. I was very upset and concerned about my {$28000.00} in checks in limbo in their ATM outside. XXXX couldnt have cared less, she didnt try to help me or find him. She ignored me and took another customer behind me and ignored any requests for help. 

I spoke to the next bank teller ( XXXX ) he calmly helped me get to a supervisor to help me figure out what we need to do. 
The contacted banker named XXXX. XXXX had an attitude as if I was bothering him for requesting help with the problem of their Malfunctioned ATM taking {$28000.00} of my MONEY! XXXX did file the claim with Chase Claims department. 
They told me I might get a temp deposit but it could take up to XXXX days to resolve. 
Now I am out of {$28000.00} that I direly need to PAY MY BILLS! 
Chase couldnt have cared less, no urgency or care. I was upset and needed emergency help with my checks in their ATM. I was concerned the machine would come back into service and spit my check out on the ground or into the hands of someone else. 

I want to file a FORMAL COMPLAINT on CHASE BANK and XXXX for how the handled this issue. 
Chase Bank needs a better process to retrieve customers checks and money from malfunctioned ATMS vs telling them too bad you will now wait XXXX days for a investigation to be completed.
Product: Debt collection

a total of 150 phone calls from XX/XX/XXXX till now XXXX XXXX I have emailed them and told them when I am paying. they ignore me. the constant 5 to 6 calls a day is ridiculous. according to ftc law more than 1 time a day and 1 call in a 7 day length is considered harassment. so this is harassment morning noo night. they don't stop even those they have heen sent a cease letter. I am only 3 weeks late ong
Product: Credit reporting, credit repair services, or other personal consumer reports

This company, which never received any sort of consent from me, is using my credit card and reporting/selling my personal non-public financial information to no benefit to me. In fact, they are hindering my access to open accounts and maintain my financial health.
Product: Student loan

I have been calling for over a year and a 1/2 because I am temporarily totally XXXX I have been asking them for help being that I have no income and no money because I am unable to work due to doctor 's orders for my injuries they laughed at me told me to get my stuff together and go to work they told me that being XXXX is a joke and that I need to get over it so they are discriminating against me for being XXXX they have been harassing me calling me from automated systems when I have repeatedly in the past told them that they are not allowed to call me from automated dialers when they have asked me multiple times I have called him crying and asking for help and they pretty much told me they 're gon na get an attorney to send me to a collection agency I do n't know what to do and they will not help me The school I attended will be closing the coming year of 2018 anyway so maybe there 's some sort of way that can help me as well as I was told by some people that that would help because I did n't not graduate from the school and they are closing I do n't know I just need some sort of help I am hurt I am unable to work I have no money and I 'm being harassed by their automated systems and made fun of for being hurt by their employees
Product: Credit reporting or other personal consumer reports

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have identified several fraudulent collection accounts on my credit report, which are the result of identity theft. Despite numerous attempts to rectify these errors with the credit bureaus, they have failed to take appropriate action. This ongoing inaction is severely impacting my credit standing and financial well-being. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am entitled to have all fraudulent information resulting from identity theft removed from my credit report promptly.
Product: Mortgage

We sold our Home XXXX XXXX XXXX  XXXX on XXXX NY. We closed on XXXX XXXX 2017. We had an outstanding balance of $XXXX with a wells Fargo mortgage and the title company sent that amount in a XXXX XXXX XXXX check and someone at the correct address for payoff signed for the check. Wells Fargo claims that they received the check but cannot find it and asked XXXX XXXX to cancel. XXXX; XXXX cannot reissue a new check for 90 days.This presents multiple issues;1- We still have this showing on our credit report preventing us from buying a new house2- The house still has a lien and there are new folks living there3- Wells Fargo has held our escrow balance of $XXXX and are subtracting $XXXX to buy an insurance policy on a house that we do not own anymore.I have gone up the chain at Wells Fargo and all they can do is apologize, i have also had our XXXX follow up and same result.I am livid and want to have them deal internally with this problem and resolve on our end.Thank-youXXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

This was my first experience of buying a new vehicle. I was contact my the dealership XXXX XXXX XXXX XXXX online that they can make my dream come true in buying a new car that as of now it became a nightmare. On XXXX my car was hint behind & just got informed it will be a total loss. The dealership never advised me about GAP insurance & I just recently found out about that insurance last Thursday when my husband bought his truck. It was a very unfair for me not to be advised in giving me that option when I was offer with an extremely high interest of 27.80 % when purchasing this vehicle. It was very unfair for the Dealership not offering this insurance to me knowing especially how high the interest is & now I have to pay a balance out of my pocket more than {$3500.00} & if I keep the car I have to pay over {$5000.00}. Today XX/XX/13 I called the financial Santander Consumer USA to see if they can give me a deal to close/payoff the account as I already have paid them over {$14000.00} & the lady who answered me said no i still have to pay the balance that is pending per the contract signed. I honestly see this unfair & am looking for help as an American consumer i feel disappointed how the dealership ripped me off as well the financial company not working with me. Now I will be left with a broken car or no car plus no money to get a new car. If someone out there can help me I will appreciate & for the consumers do not go to XXXX XXXX XXXX XXXX i don't recommend them they don't care about the consumers ONLY their sales & when buying a vehicle ask for GAP insurance that will help. I wouldn't like no one to experienced what am going through.
Product: Debt collection

Call. Did not know who called so I XXXX the number, XXXX. Results state a debt collector, XXXX XXXX. We do not owe anyone? Why call us?
Product: Credit card

On XXXX I found out there was a credit card from Citibank in my name so I made a claim. On or around the XXXX I received a call from the fraud department and was given information that let me know that my wife opened the card in my name. Ive been denied and the cards full responsibility has been placed on me because they say I received benefits from the card. The only thing linking me to the card is one airline ticket in my name in which I did not purchase nor did I have any idea it was purchased with that card. Im being held responsible for a card I never knew existed until I checked my credit report. The fact that everything was mailed to my house is because XXXX XXXX did all of this and she has called in and excepted full responsibility for the account and the company still wants to put it all on me, Ive been working to hard to pay my own cards off for something fraudulent put on me. Citibank honor what you said and put the card in her name and remove all parts of my name from this credit card because I have never used this card nor have I ever physically seen the card. I have never seen the card and I do not have the account number I was only able to change all information on the account because of my social security number
Product: Debt collection

I have identified several unauthorized accounts on my recent credit report that were added without my knowledge.
Product: Debt collection

After viewing my credit report, I noticed a collection account placed on my credit report by Southern Financial Systems , IncXXXX for the amount of {$880.00}. On XXXX XXXX I mailed a debt validation letter to Southern Financial Systems , Inc. via certified mail requesting them to provide proof that the alleged debt is mine. The letter was signed for by a XXXX XXXX on XXXX XXXX. It is now XXXX XXXX, XXXX and I have yet to receive a response form this company. I have never received a bill or any documents from this company.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 - I called in to get information on when I needed to pay off my account before interest accrued. I paid off the amount the Wells Fargo employee gave me to avoid interest. However, this information was incorrect and the extra interest was added to my account which caused a delay in payment. 
XX/XX/2023- I called Wells Fargo again informing them of the issue with the balance owed because of the interest that was added. I was told this would be resolved and my payment wasn't due for another 19 days. 
XX/XX/2023 - I was connected with a Case Specialist via email and was given a resolution timeframe of on or before XX/XX/XXXX which was 3 days before my payment was due. 
They did not provide a proper resolution in the given timeframe which led to the late payment. 
XX/XX/2023 - a 30 day late payment appears on my account XX/XX/2023 - I reached out again and was assigned to a Case Specialist on XX/XX/XXXX and given a resolution timeframe of on or before XX/XX/XXXX. 
XX/XX/2023 - They responded saying they need more time. 
XX/XX/2023 - They provided a resolution and Wells Fargo agreed to remove the extra interest charges and the associated late payment fee. However, despite these adjustments, the late payment still remains on my credit report. 

This lingering record of late payment continues to jeopardize my credit standing, despite the fact that the initial error was due to misinformation provided by Wells Fargo staff.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is showing Charge off bad debt wage earner plan XXXX  XXXX when i explain for over 2mths im not im in a XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : 1. XXXX XXXX Balance : {$14000.00} Equifax 1. XXXX XXXX Balance : {$14000.00} XXXX : 1. XXXX XXXX Balance : {$14000.00}
Product: Payday loan, title loan, or personal loan

On XXXX My mortgage company sent a check in the amount of {$3500.00} to XXXX XXXX XXXX XXXX XXXX XXXX DE. 
On XXXX Call Called Barclays Loan department and asked them would the payment be forwarded to the correct office. I was told by the customer service associate that if the payment was not sent to po box XXXX XXXX, PA that the check would not be applied to the account. I needed to stop payment on the check and reissue another check. 
On XXXX I made a payment of {$400.00}, so that the payment would not be late. 
On XXXX mortgage company sent a new check priority mail to po box XXXX XXXX, PA for {$3500.00} XXXX 
On XXXX {$3500.00} was applied to the account. 
On XXXX called customer care requesting a refund for the amount that was overpaid, which was a little of {$700.00}. At the time of the request, the check that was applied on XX/XX/21, had not been applied to the account yet. 
On XXXX Another check was applied to the account for {$3500.00} On XXXXA Refund check of {$4200.00} was issued. 
On XXXX Payment of {$3500.00} was returned due to the 1st check was stopped. Now there is a balance of XXXX and collecting interest. 
On XXXX I called and advised that I have not received the refund check yet. Customer service rep stated that she has requested for a supervisor to call back in regard to refund check. 
On XXXX Called Barclays loan customer service about refund check and was told that XXXX will call back later today. 
On XXXX called and basically stated that there was nothing they could do because the check was issued on XX/XX/21 and I needed to wait 25 business days to request for a stop payment on the check. I requested for the check number that was sent and they do not have records of check numbers. 

On XXXX Called Barclays loan customer service to request stop payment on check and the associate stated that they could not request that and would need to have manager call me back in 1-2 business days for them to request. 
I want my account to be rectified : I do not believe that the loan should be collecting interest after XX/XX/21, since this is Barclays fault for telling me to stop payment on 1st check and I was still waiting on Refund to be issued, so that the funds can be applied to the account. I want the account refunded immediately and the interest to be recalculated and sent a refund.
Product: Student loan

On XX/XX/XXXX I consolidated my federal loans with MOHELA and applied for SAVE. It is now two months later and my loans have not finished consolidating and I have no idea what my actual payment will be. As of two days ago, I received a statement showing my payment due on the level repayment plan. That is not the plan I applied for. My loans should not be in repayment while a repayment plan application is pending.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX I contacted Premier Mortgage Resources regarding 3 withdraws they withdrew from my checking account in the month of XXXX for our mortgage payment. Our mortgage is setup for two monthly withdraws to make the payment and in order to be a part of their bi-monthly payment program, we had to pay one month 's payment in advance. The three withdraws taken from our account by
Premier Mortgage were on XX/XX/XXXX {$1100.00}, XX/XX/XXXX {$1100.00}, and again on XX/XX/XXXX {$1100.00}. 

I spoke with XXXX and she wanted to know what the reason was that I needed them to refund us back our money. She also stated I had to upload my bank statements after she could already see the three withdraws were made on her end. She told me I needed to call the company back after they received documentation, it would be reviewed and could take 10-12 business days for a check to be MAILED for a refund. I work hard for my money and the economy is awful. I can't afford any extra payments then what is due for my monthly mortgage. Sending the company proof after they can clearly see it on their end is just a delay in holding onto my money that I need returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Account #, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX 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