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

I had a saving account with over XXXX in it. I logged in online and set up a transfer of the whole sum to another bank. At the same time, I also send a mail inside the bank 's web portal asking them to close the account after the transfer is made and if there was any interest due to me afterwards, to send it by check to me.

The bank acted on both requests at once. They closed the account first and then when the transfer was executed the account was already closed and the transfer failed. However, I didn't find out about it until several days later when I got an email telling me the destination bank has refused the transfer. Only after calling the issuing bank did I find out that it failed because the account was closed. I also found out that the communication noted down in the account was blaming me for the issue since I requested to close the account. I explained the rep what went
wrong, and asked that the money be transferred again to the external bank. A few days later I found out this transfer also failed and the email again indicated it was refused by the receiving bank. I call the issuing bank to find out that the transfer failed this time because the money has already been sent to me in a check and that is why it couldn't be transferred. I was told the check was mailed to me on the XXXX of XXXX and that I should wait 10 business days, or even more, because mail is slow these days because of COVID. So I waited 13 business days and called again because the check never arrived. This time I was told the check was actually sent on the XXXX of the month so wait a few more days. It is now more than 10 business days since the XXXX, and I have not received the check. It is already 3 weeks since I have requested the money. I am going to call again tomorrow but I also wanted to start this claim just in case it again takes a while for the bank to straighten this out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account has been closed since XX/XX/XXXX. Company is reporting the account is open and Im currently 180 days late as of XX/XX/XXXX. This account is a charge off and has been reporting as such for four years. This inaccurate information. And is hurting my credit with false information.
Product: Checking or savings account

XX/XX/22 Dear Consumer Financial Protection Bureau On XXXX i deposited {$600.00} in the ATM and it Malfuctioned and DID NOT register the deposit to my account AND DID NOT RETURN the {$600.00} from the ATM. And printed a receipt show no money deposited to my account. 

I went inside and explained what happened and they said since it was a Friday, they would have to wait until Monday to open the ATM. They gave me a provisional {$600.00} credit and several days later took it back and this the response I received below : This is the response on XX/XX/22 Dear Member : This letter concerns your ATM deposit dispute submitted on. The disputed deposit of {$600.00} was made at the above-mentioned ATM location on. 
Based on a thorough investigation of your claim, we found that no billing error occurred. We do not have a record of a deposit in the amount XXXX and the information available regarding your claim did not identify excess funds matching your transaction. 
As a result, any provisional credit that was applied to your account will be removed on, which is ten calendar days from the date of this letter, at which time your claim will be closed.

( End of response ) Furthermore when they deducted the {$600.00}. I had got paid and it over drew my account causing items and bills to be returned and caused several late fees XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Urgent : Request for Correction of Credit Report - Compliance with Federal and UCC Laws Dear Upstart Network Inc., I trust this communication finds you well. I am writing to express profound concerns about potential violations of both federal and Uniform Commercial Code ( UCC ) laws related to my investment with Upstart. 

As an investor, I provided Upstart with an asset-backed security, aligning with the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681s-2. Upstart, as a furnisher of information, is required to provide accurate information to credit reporting agencies. The absence of a system to verify billing statements with investors, as outlined in 15 U.S.C. 1666 ( b ), raises significant questions about the permissible purpose for reporting such information without explicit written consent or a court order.

In addition to federal law, I want to emphasize UCC Article 9 - Secured Transactions ( 9-609 ). This section mandates that a secured party must conduct enforcement in a commercially reasonable manner. Given the discrepancies in my billing statements, it appears there might be a violation of UCC Article 9 ( 9-609 ) guidelines.

Moreover, UCC Article 9 ( 9-625 ) underscores the duty of a secured party to conduct a comprehensive investigation when an investor disputes the accuracy of information related to their account. To address concerns of security fraud, I insist on a thorough investigation into my account, including a XXXX audit. 

In the event of a XXXX audit, the auditor will have the capability to retrieve the CUSIP number associated with my security. This auditor will be able to scrutinize the financial details, including how much money Upstart has generated from my security and its current valuation.

Failure to promptly rectify these issues may result in further legal actions, including the involvement of the Internal Revenue Service ( IRS ) to ensure compliance with tax regulations. My primary objective is to resolve these matters amicably, and I firmly believe that a comprehensive and timely correction of my credit report is in the best interest of both parties. 

I kindly request the immediate correction of my credit report to accurately reflect a " paid as agreed, never late '' payment history, aligning with both federal laws, particularly the FCRA, and UCC Article 9 ( 9-609, 9-625 ) requirements. 

I trust that Upstart will take immediate, comprehensive steps to address these concerns to avoid further legal actions and to maintain the integrity of our business relationship.
Product: Payday loan, title loan, or personal loan

Mercedes keeps reporting to my credit as an open account with payments made, which the account was closed in XX/XX/2020. They need to correct their discrepancies as soon as possible.
Product: Bank account or service

On XXXX XXXX, 2016 I called my bank and asked if there were a program that they would allow me to writs a check to my phone/internet & TV service because I have a notice to be disconnected, I was told that I could apply for " Over Draft Protection '' and if approved they would honor the check and charge me {$35.00} to be paid on XX/XX/XXXX when I get my social security & SSI benefits, after a long wait I was told that I had been approved, I 'm XXXX year old, again on XXXX XXXX ( 2016 ) I called the bank and asked about the over draft approval to see if I could get {$20.00} knowing that on XX/XX/XXXX I 've have both of my benefits posted, I was told by the representative that as a courtesy he would reverse the {$35.00} that has been charged and I could go to my bank ATM and with draw {$20.00}, However there will be a {$35.00} charge and since he removed the first charge I will only have " XXXX {$35.00} ' charge for both transactions, I went to my bank out side ATM and was denied the transaction, I went inside the bank spoke to a representative and was told that she did not see any overdraft protection on my account and the ATM machine make the decision to honor the traction not a live person, I went home and later about 3 hours I received a notice that I owed {$68.00} now because the check was re-deposited on XXXX XXXX ( 2016 ) and a second charged was added. 
My complaint is : 1. When I spoke with the representative on XXXX XXXX and was informed that a program allowed me to pay a bill and be charge {$35.00} I accepted but the check was returned. 
2. Speaking with a representative on XXXX XXXX he did not mention anything about the check not being honored and lead me to believed that he has reversed to {$35.00} charge he never said anything about the approval for overdraft protection being left up to " A Machine '' ( ATM ) for approval, 3. I called again on XXXX XXXX at XXXX asking why the additional charges and approvals. 
4. On XXXX XXXX about XXXX I again looked at my account and XXXX {$35.00} charge has been removed now I owe {$34.00} I need someone to explain what overdraft protection mean and why a machine is the only approval source and why representatives do not keep notes on conversations when they advertise that a conversation XXXX be recorded.
Product: Debt collection

I am in need of help because I have asked this company to stop calling me while I am at work. They repeatedly call when it is inconvenient for me. I feel harassed by this debt collector. Despite me telling them they have not stopped. I have a recording of me telling them it is a bad time to call and a screenshot showing the time they are calling me. 

I looked up this law 15 USC 1692 which is the FDCPA and section 1692c ( a ) ( 1 ) it says- at any unusual time or place or a time or place know, or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o'clock antemeridian and before 9 o'clock postmeridian, local time at the consumers location.

Which means that if I told them not to call because it was not a good time, they should know it's very inconvenient.

They also violated me again under the FDCPA
Product: Debt collection

I went to court on XX/XX/2018 for a debt of {$1100.00}. I pled guilty and discussed with the debt collection agencys attorney the repayment plan. The attorney stated I could make {$25.00} payments and that these could be made through my current debt management agency. I was to call the debt collection agency to set up my payment. 
I called on XX/XX/18 and spoke to a XXXX. He told me that my payment would be {$220.00} a month. I relayed to him what his companys attorney told me I could make a {$25.00} payment. He put me on hold and then said he can only do {$150.00}. He also told me I could not send in a payment by check. He stated I had to give him either my routing and transit number or my debit card number. 
I felt completely pressured to give him my private bank account number and feel extremely violated. I did not want to give any non public information of mine to him but Felt pressured to do so.
Product: Credit reporting or other personal consumer reports

I have already paid off my debt to Dave, so I no longer owe him any money. Although I called Dave and requested an update on my credit, they advised me to wait for about two weeks for the credit inquiry to be removed. I have diligently made all the necessary payments to Daves bank, even though I was only late for one payment. However, despite my timely payments, my XXXX and XXXX report still shows that I owe a debt, which should have been closed weeks ago according to Dave. Additionally, every time I contact Dave, they ask me to wait and now they are blaming XXXX for this issue. Unfortunately, this situation has negatively impacted my credit score, so I have decided not to borrow from Dave anymore if this continues to be the case
Product: Credit reporting, credit repair services, or other personal consumer reports

I refer to the above XXXX  credit Report # XXXX dated XX/XX/XXXX a medical collection as follows ; ( Copy enclosed as Attachment 01 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX  XXXX CA XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class XXXX XXXX Client Name XXXX XXXX XXXX XXXX XXXX Original Amount {$2300.00} Status Date XX/XX/XXXX Status Unpaid Date of 1st Delinquency XX/XX/XXXX Balance Date XX/XX/XXXX Balance Amount {$2300.00} Last Payment Date Whose Account Please note that the above medical collection is fraudulent and erroneous. During the time collection was placed I have an active California IEHP MediCal ( MC ) Insurance Coverage. See Attachment 02. 
Also I did not have any medical services rendered under XXXX XXXX XXXX XXXX XXXX during the year XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXXXXXX  I saw some hard inquiries that did not have permissible purpose. I also have the Evidence, which is a copy below my complaint. I will like for all of the Inquiry to be removed Deleted immediately from the three credit Bureau! XXXX, XXXX, and Equifax, that this inquiry due to Violation of 15 USC 1681b Thank you! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax 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 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 XXXX Equifax XXXX XXXX XXXX XXXX Equifax 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax 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 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 XXXX XXXX XXXX XXXX XXXX Credit Cards Issued by Finance Companies XXXX XXXX View full complaint
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX FIN XXXX BALANCED {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete the ledge late payments on my credit report under federal law they have 30 days to complete the investigation and by failing to do so the item must be deleted from the report as soon as possible.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 


( Incorrect Address - XXXX XXXX  XXXX XXXX, XXXX, GA, XXXX ) ( Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX ) ( EMPLOYER - XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin to get a new vehicle and the car salesman told me my credit was too low. I told him to show me my report and print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX {$540.00} XXXX XXXX  XXXX {$180.00} XXXX  XXXX   XXXX {$450.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX {$660.00} XXXX  XXXX {$950.00} XXXX XXXX XXXX   XXXX {$440.00} XXXX/XXXX  XXXX {$18000.00} XXXX XXXX XXXX {$60000.00} XXXX XXXX XXXX {$1100.00}
Product: Credit reporting or other personal consumer reports

I used a mortgage broker ( Intelligent Mortgage ) to refinance my home in 2020. In the process, my mortgage broker told me not to pay my mortgage payment to make sure the numbers on the refinance paperwork are correct. I voiced my concerns about a late payment. The mortgage broker stated that I had nothing to worry about because the payoff payment would not be past XXXX  days. I believe that the mortgage broker failed to act in a timely manner, therefore causing XXXX XXXX loans to submit a negative report to the credit reporting agencies. I have had a late payment on my credit report for over XXXX  years now. I have tried repeatedly to get the companies to correct their mistake with XXXX results. The negative report, that was not my fault, has damaged my ability to get the financing that would be available if not for the inccorect report. Please help me get this resolved.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sold approximately $ XXXX in cryptocurrency I owned on Coinbase.com. I then attempted to withdraw these funds to my bank. I selected the No Fee transfer which is free and takes 1-3 days. However, Coinbase charged me {$35.00} for the withdrawal. 

I attempted to contact the company right away and received messages stating customer service was not available. I tried again and waited for 2 hours on chat and no one was available. I tried requesting a call from the company and did not receive one. I tried chat again and received a notification that the wait time was more than an hour. There is no email option so I was never able to connect with a human being to resolve my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - First time I used XXXX XXXX, I wanted to check my credit score. Everything on my report looks great but I noticed by credit score was down from a year ago. Which I had no idea how? I have never missed any payment and I'm very financially sound. 

XXXX XXXX stated on my report that a company called XXXX XXXX XXXX had an outstanding balance for {$1000.00}. 

I have never heard of XXXX XXXX XXXX. No one notified me that i had any debt, but they are able to take a hit on my credit score? I  called this company and they stated they bought my debt from a security company called XXXX. We ended our contract with XXXX in XXXX. This one man shop is a total scam. Extremely rude.. How is this legal? 

I have no idea how it is fair or accurate to report this on my account 3 years later with zero notification and zero justification. We still have our letter from XXXX  canceling our account because we moved from that location and were not taking the services with us. We also filed a report on BBB for false practices. 

in XXXX we sent another letter to XXXX of cancelation as the new homeowner received threatening calls. 

This collection agency is based in Utah where XXXX  is based out of. 

There are thousand of bad reviews and false practices on this company. Several states have went into litigation with XXXX. 

I am filling a complaint on XXXX  and XXXX XXXX XXXX.
Product: Debt collection

I have made multiple attempts to pay this bill online using a number of varying combinations of the client account and zip code information that was provided to me on the notice I received dated XXXX and am getting a error message stating that the CUB and/or zip code is invalid. 

Pursuant to the grossly inaccurate account and customer information provided to me by this organization for use in employing the advertised on-line payment options on the notice dated XXXX, it would appears as though this organization is actively and knowingly employing deceptive and misleading business practices that are not in compliance with the XXXX Fair Debt Collection Practices Act. 

Furthermore, during a conversation with an agent on XXXX/XXXX/16 when I stated that I was intending to pay online, I was solicited to provide credit card information over the phone to the agent rather than pay online and was told that sending a payment by check would not satisfy the amount due as interest was collected each day. 

In order for customers to fulfill their obligation in a timely manner and prevent any further interest or derogatory actions, organizations must provide customers with the correct identifiable information by which to employ the advertised payment options methods. 

When I sent an email to the advertised address on this organizations website as a formal request for the organization to provide me with such information for use in paying the account balance online and without any further delay, it was rejected.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following items to be in error : 1. Validate Account XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 2. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate 3. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter.
Product: Bank account or service

I SIGNED UP NOT TO HAVE OVER DRAFT PROTECTION, THEN THEY CHARGED MY CARD XXXX IN OVER DRAFT FEES I HAVE CALLED GONE TO THE OFFICE THEY TELL ME BASCIALLY TO BAD, MY DAD DEPSOISTED A XXXX IN THE ACCOUNT AND THEY KEPT IT TOWARDS OVER DRAFT FEES, I DECLINED FROM HAVING OVERDRAFT SO I WOULDNT GO OVER AND GET ANY CHARGES, THEY REFUSE TO HELP ME I AM GOING TO CALL XXXX XXXX NEWS TD BANK IS RIPPINF G OFF PEOPLE ITS NOT FAIR
Product: Mortgage

We refinanced our home in XXXX XXXX, XXXX with XXXX XXXX XXXX XXXX they charged us bogus closing fees and also did not give us a Good Faith Estimate. Banking and Finance in XXXX let us know that XXXX XXXX XXXX XXXX did not have mortgage license in XXXX.when they refinance us in XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX license expired XXXX XXXX, XXXX. We found out from XXXX the lender title insurance company that the lender title insurance with XXXX XXXX XXXX XXXX was still active in place. We had a title search done on XXXX XXXX, XXXX to question the validity of debt with Bank of America. The title search came back that XXXX XXXX XXXX XXXX still has a open security deed on the property.Bank of America claim they own property but according to title search the only thing listed is a subordinate note with the XXXX in the amount of XXXX. Bank of America got XXXX on our behalf from HUD on XXXX XXXX, XXXX to reinstate our loan where we were behind in payments. Bank of America got the XXXX in our behalf and tried to hide the XXXX by taking us out of our FHA loan. Then Bank of America put us into a in house modification to hide the HUD money of XXXX that they received in our behalf. Bank of America to this day still has n't reinstated the loan.