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

Dispute of ATM Deposit Error and Claim Denial The incident that occurred on XX/XX/2024, at a Regions Bank ATM located at XXXX XXXX XXXX XXXX, Ga XXXX. On that date, I attempted to deposit {$2900.00} into my checking account. Unfortunately, the ATM encountered an error during the transaction and returned {$1500.00} the {$1400.00} balance never went to my account and was not returned. The atm issued a receipt stating that my items could not be returned. I checked my account balance and it was not in my account. 
Upon realizing the error, I immediately went inside the branch and filed a claim. I was informed by the bank staff that an investigation would take XXXX to 10 days to resolve the issue. However, on the XXXX day, I received a notice indicating that my claim had been denied Following this, I contacted the bank for clarification. To my dismay, the representative I spoke with apologized but stated that there was nothing more they could do. When I inquired about the method of verification used to deny my claim, the banker was unable to provide a satisfactory answer. I specifically asked if the camera footage, which would clearly show me at the ATM making the deposit, had been reviewed, and whether the ATM had been audited to account for the {$1400.00} that failed to be credited to my account. 
It Is extremely concerning and unacceptable that my claim was denied without thorough investigation, given that the evidence, both video and the ATM 's cash audit, should clearly support my claim. The denial of my claim without reviewing the pertinent evidence is both unfair and unreasonable. 
I urge them to reinvestigate my claim and conduct a comprehensive review of the incident, including examining the camera footage and auditing the ATM. I am confident that these steps will validate my claim and lead to the rightful crediting of the {$1400.00} balance missing from my account.
Product: Debt collection

between XXXX and XXXX I had a credit card with XXXX XXXX. I ended up losing my job and almost all of my debt went to collections. over the last 8 to 10 years I have paid every single one of those debts off. Including the one for XXXX XXXX. When I paid this debt I paid it directly to XXXX XXXX and not to the collection agency at the time. Sense then the debt has been sold off numerous times over the years. When I contacted XXXX XXXX about this issue in XXXX they basically informed me that they had no record of me paying the debt. and beings the debt was so old that they didn't have any info on the matter at all. I was also informed that beings the debt was so old and beings they had already sold the debt off that they really had no interest in the situation at all. I also contacted my credit union that I paid the account from and they also told me the account was too old and they didn't keep records that long. The last letter I received even stated that this debt is too old for them to sue me. Sense then I have tried to contact XXXX XXXX XXXX numerous times and they do not answer there phone. My attorney has written numerous letters and they do not reply to her letters. I have disputed this account numerous times and they do there " investigation '' then reset the account open date. As of right now it says the account was opened in XXXX. But I haven't done bushiness with XXXX XXXX in close to 13 years. XXXX XXXX wouldn't give me a credit card even if I applied for one due to the original collection. At this point I am willing to go to court over this situation but XXXX XXXX XXXX will not even acknowledge my attorney. If they will not provide the information they are legally obligated to provide for the collection how can they keep reporting a collection that is well over XXXX XXXX XXXX? Even if the XXXX date that they state was legit ( even though it is not legit ) that would mean the debt is 5 years old. And that is told old for them to be reporting it.
Product: Credit card

I have had a Sears Credit Card for years. Once Sears closed the card is now referred to as Shopyourway. Last year the interest charged was 19.24 %. I received a notice that the interest rate is now 34.24 %. I contacted customer service and requested that my interest rate be reduced. I was told that I am not eligible for a rate reduction. Historically I don't leave a balance on any of my credit cards so I am not charged interest. My concern is the increase appears to be price gouging. The result of my call to the credit card company is I closed this account. My opinion is that I do not want to be associated with a company who would take advantage of people who are unable to pay off purchases before interest is charged. 

I am now waiting for the credit of {$69.00} that is on my account to be returned to me via a check. There was a refund for a purchase I had made and the amount was credited to my Shopyourway Mastercard. Time will tell if they honor this by refunding my money. 

Thank you for anything you can do to stop the interest gouging that some companies engage in on their customers. Corporations should not be harming people to benefit themselves to this extent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX. XXXX XXXX Account # XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with Mr XXXX today from Experian. Contact XXXX XXXX XXXX I stated I would about account. 
After careful investigation Ive discovered XXXX not only refusing to provide a payout certificate they were fraudulent posting payments to reage Credit date from last payment date of XX/XX/XXXX to XX/XX/XXXX. As you can see this blatant disregarding of any working relationship You have with XXXX and a criminal not civil act. 
Im asking for immediate deletion internally because in blatant reage of credit Ive provide copies of claims below thanks Ps should be 3 attachements
Product: Student loan

I have four private student loans in total that were handled by AES and owned by NCT. Two of the four loans have been given to XXXX from AES. The AES Account Number for my loans is Account # XXXX. The XXXX Account Number fir my loans is Account # XXXX. I have requested multiple times from both loan services for my terms and agreement paperwork and ownership documents that NCT owns my loans. The fact that I am asking for help with repayment and to see my terms and my services won't provide me any paper is concerning as I do not believe the amounts I owe are the true amount. Can you please get my terms and agreement paperwork and ownership documents from NCT so I can have the binding documents that my loan is in fact still intact.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received an alert from my credit monitoring service regarding fraudulent accounts, inquiries, and personal information listed as " InquiryXXXX XXXX XXXX, Employer : " XXXX '' XXXX Employer : " XXXX XXXX XXXX XXXX XXXX Name : " XXXX, XXXX '' on my Transunion consumer report. I quickly contacted the Federal Trade Commission and was directed to file an " Identity Theft Report '' about this recent Identity Fraud for which I am submitting this complaint.
Product: Mortgage

I have my mortgage with US Bank, last year I reached out to them since I was on unemployment during COVID. They placed me on deferment and any payments deferred would go to the end of my loan. I contacted them in XXXX asking to be removed from deferment since I had returned to work full time. I was told that my payments would resume the first of XXXX. I received a letter the end of XXXX informing me that my deferment had been extended 3 more months. I did not want them extended. I contacted XXXX XXXX and informed this to the representative who informed me she would note that I did not want to be placed in deferment and have someone reach out to me. No one reached out to me. Then after yet another 3 months of being in deferment, my payments were to resume XXXX. I get yet ANOTHER letter informing me that my deferment has been extended yet ANOTHER 3 months. I filed a complaint with the CEOs office and had a VP of operations contact me and he apologized stating that they dropped the ball and were not expecting all the deferments that they had due to COVID. He stated he would escalate my case and have someone reach out to me. No one reached out to me. I finally after 63 people that I spoke to and know one was willing to assist me, a representative got the information from me and I FINALLY received a letter that I was out of deferment and my payment would automatically resume in XXXX and be automatically withdrawn from my account. Here is is XX/XX/XXXX and my house payment STILL has not been taken out of my account. I have been on hold for 93 minutes with no resolution. I received a letter recently, before the letter regarding me coming out of my deferment, that I was the one that requested the extension. THIS IS A FLAT OUT LIE and anyone looking into my account can see how many times I have called to try and resolve this. I need help with this matter, I do not know who to turn to, no one is willing to help me and I XXXX not know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus should be ashamed of themselves because all these negative accounts thats being reported on my credit report is absolutely insane and they are completely FALSE and just not right!!! i cant even get approved for a car or mortgage for myself cause of these inaccurate accounts thats being reported. Im XXXX  in 3 months and I cant get my child a house because of these ridiculous accounts thats being reflected on my credit report. I sent them certified letters on XX/XX/2021 to make sure they get my letters. Im also going to attach my return receipts and proof of my Identity along with my letters because these credit bureaus are not doing there job. I want these accounts removed immediately because they are incorrect!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. The account Jefferson capital LLC is removed from my XXXX and XXXX but still showing up on my XXXX credit report. Please correct these inaccuracies on my my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. 15 USC 1681s-2 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

On XX/XX/2022, between the hours of XXXX and XXXX, my vehicle was broken into and my work bag was stolen. XXXXnside was my wallet containing all of my personal identification including my social security card, drivers license, bank debit card and other personal cards/documents. On finding the break in we immediately cancelled the debit card and reported it stolen and filed a police report. Despite this, the following day while we were in the middle of fixing our broken window ( we do have documentation to prove this ), at XXXX at a branch in XXXX XXXX TN, my drivers license and debit card were used to access our Regions Bank account and {$650.00} was taken by someone using my identity. We found this out when the transaction popped into the account the following day and we couldn't pay our rent or cell phone bill. The same day my husband reported the illegal transaction to the bank via the customer service help line and followed up with the local branch manager the following day. 

According to bank policy stated on their terms and conditions, they have 10 days to investigate before they need to put the " temporary '' funds into the account while they finish the investigation. Despite numerous attempts on my part, my husband 's part, the local branch manager 's part, and even the detective and security personnel involved questioning this, no further information has been provided by the bank nor have they returned the funds, even temporarily. The detective assigned to the case was able to get still photographs of the transaction through the drive through at the bank and it clearly shows a vehicle not belonging to us, registered to a woman in XXXX, TN, driven by what appears to be an older male gentleman who used my stolen identity to access my account. Nobody involved can figure out why the bank is refusing to give us answers and give us our money back. We are on business day 15 since the theft without resolution and this is causing a severe financial hardship for my husband and I. 

I am attaching the preliminary police report below and the fraud claim number from the bank is XXXX.
Product: Credit card

XXXX - American Express Late Payment Dispute Payment was scheduled in bill pay to mail a check to American Express on XX/XX/year> upon receipt of American Express Invoice 27-days before the American Express due date. 
Payment was mailed on XX/XX/year> and not processed by American Express until 21-days later on XX/XX/year>. 
I use my Banks bill pay system to process all other monthly billing for all other accounts with no issues and can document all these dates. 
Only American Express has had delayed processing issue. 
I believe American Express is intentionally delaying processing so they can charge and assess late fees and/or they do not have the capacity to manually process checks in a timely manner causing their clients to be assessed unwarranted late fees.
Product: Credit reporting or other personal consumer reports

Company stated that there system deleted my guest approved auto loan application that was approved by XXXX XXXX. On the day that I went to pick up my vehicle and sign my contract. I was told that XXXX system auto loan system had somehow auto deleted my loan so they ran my credit multiple times without my consent. I contacted the loan company and had their manager write me an email acknowledging this situation. The credit reporting agency also acknowledged this mistake. I need those 3 hard credo pulls within 24 hours deleted from my report.
Product: Debt collection

On XX/XX/ i received a phone call from credit collection services located at XXXX XXXX XXXX XXXX, Ma XXXX, Phone number ( XXXX ) XXXX, Account # XXXX, this credit collection services, has violated the Fair debt collection Practices Act, by refusing to provide me with any information about this so called debt that they kept reporting to all three credit agencies, the information was not provided in a initial notice and sent as the initial notice as the initial communication to me or within five days of their first communication with me nor was it mailed or electronically to me. i am in the State Of Florida, so i sent the collection services an Validation Letter to provide the listing and the information for the debt, they received my letter on XX/XX/XXXXXXXX XXXX XXXXXXXX this collection service refuse to provide the required information within 30 Days, and refuse to provide letter stating that they will not be inquiring and reporting on my credit, this collection services has violated this act, and now they have refused to answer or give the proper documentation, the tracking for the letter that was sent to then was signed for by them. USPS tracking number XXXX please check this.
Product: Credit reporting or other personal consumer reports

Dear experian, my one and only name is XXXX XXXX XXXX XXXX. 
my one and only address is XXXX XXXX XXXX XXXXXXXX Mi, XXXX. 
Last 4 of ssn : XXXX. 

Experian : XXXX XXXX XXXX XXXX  TX XXXX. 

recently i reviewed my credit report and found multiple items to be incorrect. 
Under 15 U.S. code1681e ( b ) accuracy of report. 
whenever a consumer reporting agency furnishes a consumer report it is their grave responsibility to fairness and accuracy of the information concerning the individual about whom it relates. 

15 U.S. code 1681i ( 5 ) a ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

FICO is its own identity, it does not affect the credit score.

15 U.S. code 1681- without my written permission you can not furnish my credit report.

15 U.S.code 1681 ( 4 ) - there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect to the consumers privacy.

15 U.S. code 1681 ( a2 ) - consumer report does not include any report containing information soley as to transactions or experiences between the consumer and the person making the report
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion will not investigate my unauthorized inquiries on my credit report. They stated that inquiries can not and will not be investigated according to FCRA any mistake on your report consumer has the right to correct mistake.
Product: Credit card or prepaid card

On XX/XX/XXXX I was notified by my credit monitoring service that my retail Fortiva account had been closed and a new general purpose XXXX had been opened in its place. This resulted in a XXXX point drop to my credit score as it included an account closure, hard inquiry, and new account opening. I spoke with several representatives and was eventually told that they had sent one email to advise of the change on XX/XX/XXXX. After locating the email it is labeled as a " Notice '' and suggests that my account would be " converted '', but makes no mention that my previous account will be closed and a hard inquiry will be run on my credit report to perform these changes. It also does not state why this change was to take place as the retail company and Fortiva are still partners. These are deceptive and unethical practices all in the name of supporting a new credit line through Fortiva and amplifying their sign ups. I was never asked to sign or agree to anything, only to opt out of what appeared to be an account update.
Product: Debt collection

National Service Bureau has called myself, my mom, my college roommate, my sister 's college roommate and my sister concerning a car jacking that my sister was the victim of back in XX/XX/year>. I believe it's a subrogation claim that they are seeking to recover from my sister for - although she was the victim. I have not called them back. However, they should not be phoning any family members, including our mother, for any claims or any sort, as my sister would be the target and not anyone else. We all received the exact same pre-recorded voicemail yesterday.
Product: Checking or savings account

I woke up this morning to my Cash App account closed. I reached out to cash app and it took them over three hours to get back to me only for them to tell me that they do not have a specific reason, but they can give us why my account was closed, but it was linked to terms and service violation. I read to the terms of service, and I did not find a single violation that I violated. Ive had my account for a very long time, and I try to maintain it for the mayor fact that it is my only source of banking modernly. When I asked them, they said they could not provide any more information because of privacy issues but I am reaching out to them about my account, so why cant they be open with me about what I violated in order for them to close my account? I have screenshots from the whole conversation that I had with the support system, which did not give me any help the end of the conversation before finding a solution. I tried reaching out again and now the app is telling me. I have to wait a maximum of two hours before I can get in contact with somebody to get any more information about this.
Product: Credit reporting or other personal consumer reports

fraudulent accounts or charges appear on my credit report XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX DBA XXXX  Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to Privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Vehicle loan or lease

On, XX/XX/XXXX, I entered into a retail installment sale contract with XXXX XXXX XXXX XXXX XXXX to finance the purchase of a XX/XX/XXXX XXXX XXXX. As part of the transaction, I purchased Guaranteed Automobile Protection ( GAP ) for {$500.00}. I experienced a total loss on XX/XX/XXXX and notified my casualty insurance company. Per Chrysler Capital, a GAP claim was submitted to the GAP Administrator, XXXX XXXX XXXX XXXX As of today, XXXX XXXX XXXX XXXX has not honored the claim. This has caused me to pay additional interest because my balance has not been reduced by the GAP proceeds and I may also have experienced negative credit reporting. The following is the contact information for XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Texas XXXX XXXX The dealership that sold the GAP may be contacted as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX, Georgia XXXX XXXX All required information has been provided to XXXX XXXX XXXX XXXX and I paid the premium through XXXX XXXX XXXX XXXX XXXX. I respectfully request for you to assist me in having my claim processed. Enclosed please find my complaint to the CFPB, Chrysler Capitals response to me and the claim documents provided to XXXX XXXX XXXX XXXX.
Product: Credit card

Capital One took money from my checking account and will not put it back. I have called several times. The transactions were not authorized and I have communicated that with them.