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

This is to report a case of my being shortchanged of {$100.00} by a Bank Teller. 

I am reporting this matter in order to be made whole of the missing {$100.00}, and to inform authorities of a fraudulent behavior of a teller and of a need for Bank corrective action for this kind of teller malfeasance. 


On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bills from Chase Bank Branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX. I was served by the Teller XXXX XXXX. Of the total, {$1300.00} in XXXX XXXX XXXX  were of the older bills, so I requested the Teller to replace them with fresh/new XXXX XXXX which are better accepted abroad. 

When I received the new bills, it was only for a total of {$1200.00} instead of {$1300.00}. I pointed this out to the Teller, who instead of checking if the total of the older bills I gave him was {$1300.00}, questioned me about what I did with the missing {$100.00}. Then he said he can not check the total amount of older bills I gave him. 

I reported this matter to the Branch Manager, by the name of XXXX XXXX. I showed XXXX XXXX the total amount of cash I have, {$1900.00} of fresh/new XXXX from the Teller, and my folded {$100.00} bill in my wallet which I had going into the Bank. The Branch Manager said he can not check the video surveillance nor can he check how much of the older bills I exchanged with the Teller. He said he was going to get back to me after the end-of-day Thursday, XX/XX/XXXX. He did not call me back. I followed up with him in person on Friday, XX/XX/XXXX, but all he said was that he reported the matter for investigation by Corporate and that their cash balance at end of day did not have a discrepancy. What he could not say was what if the Teller, instead of putting {$1300.00} into his cash machine, simply put {$1200.00} in and slipped the missing {$100.00} aside for his own benefit. Such action would not have been caught by a tally of branch cash at the end of the day. We also asked XXXX XXXX if he can show us proof that he has indeed escalated the incident to his management, and he said, he can not give us such proof. 

For the record, I and my husband are long-term checking account clients at Chase Bank and have withdrawn cash using the Teller services on many occasions over so many years including at this particular Branch. This incident on XX/XX/XXXX is the first time we have experienced a shortfall in the cash that was given to us by a teller.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TRANSUNION Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$370000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to provide me with clear and accurate results of my investigative consumer report for credit file # XXXX. On XX/XX/2022 I disputed XXXX XXXX XXXX XXXX Account # XXXX for inaccurate credit reporting. On XX/XX/2022 the investigation into dispute was completed but I was not provided with a copy of the results of this said dispute in ( 5 ) as required by the fair credit reporting act. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022 I called Equifax and spoke with several agents and supervisors only to be told by an Equifax supervisor named XXXX ID # XXXX, that i will not be provided with a copy of requested results because Equifax does not have to provide this information in violation of title ( 15 usc 1681d ). consumers have a right to clear and accurate results of an investigative consumer report as stated in the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Jefferson Capital bought XXXX XXXX bought XXXX XXXX, And XXXX XXXX already removed the accounts from my credit file, because they were past the statue of limitation. XXXX will not remove the accounts ; they do not even own the accounts, anymore, so they are being reported, twice, including with XXXX XXXX and should not have been reported, when acquired, due to the statue of limitation. Jefferson claims a payment was made, around the 8th year from the account being opened ; they can not provide proof of payment. I NEVER made a payment, so the delinquency date is incorrect. These accounts NEED to be removed from my credit reports. Most of them were opened in 2006, and a payment has never been made. They are private loans and are being treated as Federal, also.
Product: Credit card

Subject : Urgent Appeal Regarding Compromised Apple Card Account and Identity Theft I am writing to express my extreme dissatisfaction and frustration regarding the ongoing issues with my Apple Card account, stemming from a severe identity theft incident. As a result of this breach, I was required to change my Apple XXXX and, consequently, lost access to my previous ID and associated email address. 

I immediately reported this issue to Apple Support and made numerous attempts to recover access to my account. Unfortunately, these efforts were unsuccessful. I also contacted Goldman Sachs to explain the situation, but the assistance provided was inadequate and ineffective. 

Before this identity theft, I maintained a consistent record of prompt payments, which were set up for automatic withdrawal from my XXXXXXXX XXXX  account via the Apple XXXX XXXX. However, the theft caused me to change my XXXXXXXX XXXX account number, which disrupted my auto-pay and led to a missed payment. 

Since then, rectifying these errors has been incredibly difficult. Whenever I contacted Goldman Sachs, I thoroughly explained my situation, but my concerns were not addressed. Repeatedly, call attendants had XXXX notes regarding my previous interactions, indicating a severe lack of communication and record-keeping within your organization. 

It is apparent that since Goldman Sachs announced its decision to cease servicing Apple Card accounts, customer service has deteriorated significantly. As of today, XX/XX/year>, I still have no access to my account information, and my account continues to accrue late fees and interest at an exorbitant rate of nearly 32 %. This is due to my inability to manage the account or make payments through the standard channels. 

Before this incident, I maintained a credit score in the high XXXX and have consistently fulfilled my financial obligations responsibly. I am not seeking debt forgiveness. I simply request that Goldman Sachs and Apple acknowledge their shared responsibility and work with me to find an equitable resolution. As a consumer, a mechanism must be in place to restore access to a compromised account. 

I am requesting the following : ImmediatXXXX assistance in restoring access to my Apple Card account. 

A temporary suspension of all late fees and interest accrual until this matter is resolved. 
A comprehensive review of my account history, with notes reflecting the documented identity theft and my attempts to resolve the issue. 
A clear plan of action to bring my account back into good standing. 
A single point of contact that can be held accountable for the resolution of this issue. 
I urge you to take this matter seriously and provide the necessary support to rectify this situation. I look forward to your prompt response and resolving this ongoing issue. 

Thank you!
Product: Credit card

Claim ID : XXXX Claim amount : {$40.00} Initiation date : XX/XX/2024 Merchant name : XXXX XXXX XXXX XXXX  Transaction Date : XX/XX/2024 Transaction Ref. # : XXXX Bank of America 's response to the disputed credit card charge failed to meet the expected standard of diligence and consumer advocacy. Despite clear evidence of misadvertisement and physical harm caused by the merchant 's negligence, the bank 's actions were inadequate.

Rather than acknowledging the severity of the situation and taking proactive steps to address the issue in accordance with XXXX XXXX dispute resolution guidelines, the bank 's response appeared dismissive and failed to provide meaningful assistance to the consumer.

Furthermore, the bank 's assertion that the consumer may be held liable for the disputed transaction overlooks the consumer 's rights and the merchant 's failure to deliver the advertised product as promised.

In essence, Bank of America 's handling of this matter raises concerns about its commitment to consumer protection and its obligation to act in the best interest of its customers, as mandated by regulatory standards.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have been enrolled in autopay for my Sam 's Club MasterCard with Synchrony Bank, since inception of my membership. Synchrony Bank failed to make the autopayment for XX/XX/year> and subsequently charged interest to my account for the XXXX statement balance on XXXX for the amount of {$31.00}. Prior to the XXXX autopayment, to be processed XXXX, I contacted Synchrony Bank by phone on XXXX and was told by their agent that the interest fee had already been credited back to my account. However, it had not been and my autopayment on XXXX included this interest charge. It also is not included in pending transactions. 

Today, I attempted to use their online system, since calling customer service did not resolve the issue. After several attempts my message did not show in the sent messages folder. This has been a chronic issue with Synchrony Bank. I have made them aware of the issues with this app on numerous occasions, yet they have made no attempt to correct it. This complacency is unacceptable for any industry, but particularly disturbing when it involves a financial institution. 

On XXXX I attempted to use this card to pay for airline tickets and it was refused and my account was suspended. I called Synchrony and was told it was not their fault, but the airline told us different. XXXX XXXX requires 3rd party verification as a security precaution and Synchrony 's system is clearly not equipped to handle this. I subsequently used my XXXX XXXX card without issue. Additionally, they required me to verify all transactions that had occurred in the last several days before they would restore my account, These were all local transactions, made in my home town and were not questioned until the airline ticket incident. Synchrony Bank is a disaster.
Product: Payday loan, title loan, or personal loan

I had a line of credit with Regions bank. I rarely accessed my checking, savings, credit card and line of credit. On or about XX/XX/XXXX I paid the full balance of {$4400.00} on the accounts and requested that the line of credit and credit card be closed. On XX/XX/XXXX Regions placed at {$47.00} maintenance fee on an account that was supposed to be closed. The fee then turned in {$190.00} because there were no notifications sent via email, mail or phone. I had this account for more than 5 years it shows that the fees were always taken from the checking account. During this period there was roughly {$24000.00} in the checking account. I was unaware that the line of credit was still open or there were fees being added and late payments being applied to the credit reports. When I purchased my house in XXXX I was notified of this on my report from XX/XX/XXXX then again on XXXX, XXXX and XXXX of XXXX. After contacting Regions 100s of times about this matter I finally got a rep named XXXX that said this was wrong and he would work to get the reports corrected. After about 60 days the reports updated and the negative lines were removed. There was a delay in my house closing which caused them the run my credit report again the day before closing and the negative lines were placed back on my report. This caused my interest rate to increase 1 point and I had to put down an addition {$25000.00}. My mortgage is now {$3700.00} instead of {$2900.00}. Now after all of this I still can not get the line of credit account closed. This makes no sense to me. The checking account and credit card is closed but the line of credit will not stay close. Regions will tell me its closed then 2 months later it will be open again. I've been into 2 different branches and requested it to be closed. They will say sure we are closing it now then it remains open. I can not keep loosing sleep in fear that a service fee is going to show up on my credit report. I do n ot do any business with them and should not have to keep monitoring a closed account. At this point I consider this fraud. They continue to charge fees on an account that I do not want open. I have disputed the credit report over and over in the last 2 years and they keep saying the chargers a valid and will not remove it. My current score is still XXXX but this is pulling it down from being XXXX and costs me additional points on my auto loans and other credit cards. I am requesting that the credit reports be corrected and the line of credit be permanently closed.
Product: Credit card

I am filing this CFPB complaint because American Express has failed to properly investigate dispute XXXX and continues to side with the merchant despite clear evidence of wrongdoing. The merchant charged my credit card {$4700.00} without authorization, failed to complete repairs on my vehicle, and caused additional damage. However, American Express closed the dispute claiming " no evidence of cancellation '' when cancellation is not the issue. I provided documentation, including text messages and a diagnosis report from another mechanic proving the vehicle remains damaged, but American Express failed to review the evidence and wrongly insisted the merchant is willing to fix the car. American Express is disregarding the merchant 's clear lies and improper charges, and refuses to look at the concrete evidence I submitted. I request the CFPB help resolve this dispute where American Express failed to do so. 

The files provided below contain clear evidence that American Express failed to review. 

First, there are 8 months of text messages and emails showing my repeated attempts to cancel the service and retrieve my vehicle, which the merchant ignored. 

Second, there is a diagnosis report from a certified mechanic detailing the continued damage to my vehicle 's engine and other parts. 

Finally, there are text exchanges showing the merchant is still unwilling to take back the car and complete repairs properly. 

American Express claimed there was no evidence of cancellation and that the merchant is willing to fix the vehicle, but these documents prove otherwise. The evidence conclusively shows the merchant charged me without authorization, caused damage, and refuses to make repairs. Yet American Express insists on ruling in favor of the merchant without addressing this concrete proof. I request the CFPB compel American Express to review the evidence and rule accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX XXXX, XXXX, I learned that Hyundai Motor Finance erroneously reported to XXXX and XXXX credit reporting agencies that my car loan was at least 30 days delinquent in XXXX XXXX. I called Hyundai Motor Financing to inquire about the claims. The customer service representative did not show that my account had ever been 30 days delinquent since the inception of the loan. The representative further suggested that I dispute the reported information in my affected credit report files. Shortly thereafter, I disputed the claims with both credit agencies. Around 30 days later, I learned that the reports were not changed, but simply updated. My car loan payments are due on the XXXX of every month. I plan to upload my payment history from Hyundai Motor Finance that proves that my XXXX XXXX payment was not 30 days late. In fact, the XXXX XXXX payment was made on XXXX XXXX, XXXX, according to the financing company website.
Product: Credit card or prepaid card

I keep getting denied for American Express and I don't think it is fair. I applied for the American Express Gold card on XX/XX/XXXX and was denied and was told to wait 30 days and I did. I applied today and was still denied and was told you guys used a credit report from XX/XX/XXXX which isn't even my most recent report. Please fix this. My reference number is XXXX. last four of SSN is XXXX and XXXX is XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There is an account on my credit report from " XXXX XXXX XXXX XXXX XXXX '' which does not belong in my credit report and it is reporting totally inaccurate information across all Credit Bureaus. XXXX reports that I am XXXX  days late. Equifax reports that I am XXXX  days late while XXXX reports that I have no late payments. This is a complete and blatant violation of the FCRA especially considering the fact that federal courts have already issued a ruling on this matter. Here is a summary of said ruling : " Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). 1 These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). In particular, the word credit was defined. As a result of the new definition the position that is being advocated is that a collection of an account is a permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction. 
The courts have specifically rejected prior case law and FTC guidance that a judgment creditor had permissible purpose, noting that those decisions pre-dated the FACT Act. These cases have held that a delinquent child support obligation, municipal fines arising from parking tickets, and a statutory debt resulting from the towing and impound of an illegally parked vehicle did not arise from a credit transaction. As a result, the courts found that collection of those accounts was not a valid permissible purpose to obtain a consumer report. '' I am demanding that the above mentioned credit bureaus be forced to abide by the FCRA and remove this account from my credit report immediately.
Product: Debt collection

My ex husband purchased a boat, but it was done as a joint loan acount in XXXX when we were still married. We divorced in XX/XX/XXXX and divorce papers stipulate ex husband was keeping the boat and the loan attached to it. I moved and had no possession of or contact with the boat again. However, his credit was not good enough and he was unable to ever refinance it into his name and remove my name from the loan. He then stopped paying on the boat loan with XXXX XXXX XXXX XXXX and had the boat repossessed by them. They sold the boat to someone else but at a loss over how much the exhusband still owed. They then listed the amount of their loss on my credit report as a derogatory account and amount still owed them. The ex husband then filed bankruptcy and had it removed/discharged from his record. However, they then sent ME to collections for their lost money ( over a boat I never had ). 

The collections information is below, States Recovery from XXXX XXXX XXXX XXXX. I received a letter from States Recovery and I sent them in copies of my divorce papers showing the debt did not belong to me, requesting it get removed. However it has remained on my credit report. Initially it was {$18000.00}. A few months ago they increased it to {$23000.00}, not sure why. I do not believe in bankruptcy and do not want a bankruptcy on my record. I do not want to have to file bankruptcy over a collection item that clearly does not belong to me.They repossessed the boat and got their property back. They discharged the debt in court when the Ex filed bankruptcy on it. There is absolutely no reason their " loss '' should still be causing me credit problems 8 years later. 

STS RCVRYXXXX XXXX XXXX XXXX, XXXX $ XXXX DetailsLast Reported XXXX XXXX, XXXXCollection Agency STS RCVRYOriginal Creditor XXXXStatus OpenOpened Date XXXX XXXX, XXXX Date -- Responsibility Individual Account. 
Balance $ XXXX Balance $ XXXX Consumer disputes this account information
Product: Credit reporting, credit repair services, or other personal consumer reports

CHRYSLER CAPITAL account, date of reporting XX/XX/2021 Chrysler credit ids reporting erroneous information on my Credit report. Disputed with CRA 's nothing happened. violations are 1 ) No date of closed or by whom 2 ) no credit limit reported 3 ) no date of last activity or payment 4 ) no answer to 623 request. These are FCRA violations and account must be deleted. This account was sold to XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX  refuse to investigate a company that sold to a 3rd party my personal information without consent in the amount of {$340.00} ; when I began disputing other fraudulent accounts Trident Asset Management appeared on my report around XX/XX/XXXX stating I was in default of an utility bill back dating 24 months and damaged my credit. 

All written communication is returned by creditor and they will update another derogatory mark. Creditor does not have a Maryland resident agent to effectively communicate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  deleted the date of final delinquency from my experian credit report, I assume to increase the length of time before it can be deleted. Experian now refuses to delete the account due to the XXXX  missing, and XXXX did nothing when contacted. Per screenshots from experians credit report, the one from XX/XX/XXXX is missing the XXXX, while the one from XX/XX/XXXX shows a XXXX date for deletion.