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

On XX/XX/XXXXXXXX  I attempted to make a cash deposit into an ATM machine at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX after inserting XXXX {$50.00} bills and XXXX {$20.00} bills totaling {$360.00} The machine returned XXXX of the {$50.00} bills after I reinserted the {$50.00} bill the machine shut down and spread out a receipt stating we encountered the problem returning your cash. Please contact your financial institution after I received the receipt I walked into the branch and spoke with a clerk and told me that I would have to call my bank to get it fixed while I was leaving two ladies exited the bank and opened up the ATM machine to clear the jam, I asked if I could get my cash when they do that and they said they were not allowed to so after leaving the bank I contacted Navy Federal credit union about the dispute and gave them the amount the types of bills, the ATM number and time, and was told to check back the following week for an update, so I contacted them that following Tuesday and they notified me that they submitted a claim in the amount of {$1100.00} I immediately told them that that was incorrect and they said that they would fix it after a week a provisional credit was put into my account in the amount of {$1100.00} which happen to be deposited on XX/XX/XXXX, so I can only assume that they did a typo after a Navy Federal with XXXX, the entire amount of the provisional credit and stated that they can not find any errors so I contacted XXXX XXXX XXXX XXXX to ask what was going on and was told Navy Federal would not resubmit the claim in the proper amount after contacting Navy Federal again on this matter, they asked if I can resubmit the claim and writing which I did on XX/XX/XXXX and for some reason Navy Federal drop the ball again and did not file the claim after I resubmitted it countless calls and waiting on hold with Navy Federal was able to have them resubmit the claim in mid XX/XX/XXXX on XX/XX/XXXX I received a phone call from Navy Federal credit Union, stating that the new claim was denied after asking details on that I found out that they did not even submit the copy of the receipt that I sent them, and was basically told that there was no errors through the ATM owner I have even spoke with the CEO of XXXX XXXX XXXX XXXX and she even said that she saw where the deposit was put into the ATM in the machine messed up so if you there is anyway that you can help me resolve the situation, it would be much appreciated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX XXXX {$1400.00} CLOSED ON XXXX, Account name : XXXX XXXX XXXXXXXX XXXX {$1600.00} CLOSED ON XXXX Account name : XXXX XXXXXXXX XXXX  {$4900.00} CLOSED ON 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I received a letter from sears credit services dated XX/XX/2020 advising me that my sears master card account has been closed. The reason stated was " We took this action because we can no longer support the terms of your account. '' I immediately called customer service for an explanation and I was told by their supervisor XXXX employee number XXXX that a letter of new terms and conditions was sent to my house and returned by the post office. I asked for a copy of the letter and the date it was sent and they could not provide me with one. I was told it was shredded and there was not a copy. I have an online account and nothing was posted in my documents which usually posts all the correspondence that is sent to me. I asked why I was not called or another letter sent to me notifying me of an account closure, and I was told that was not their practice. I believe I have suffered an injustice, due to the fact I have been a customer for 30 years and I was not afforded due process. I would like my account re-instated with the same credit limit that I earned over the years and the same platinum status.
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX and VW CREDIT INC. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and XXXX XXXX, VW CREDIT INC with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute 1 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized account review, XX/XX/XXXX. There is an ongoing civil court matter pending with this company. 

Dispute 2 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Unauthorized account review ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was charged off and closed XX/XX/XXXX. 

Dispute 3 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized account review. XX/XX/XXXX Dispute 4 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX ... .XX/XX/XXXX ... and XX/XX/XXXX I attempted to call Equifax Credit Bureau . I called to update my addresses and to request the removal of some inquiries that I did n't initiate or authorize ... ..I spoke to a U.S rep who was more than willing to update my addresses and remove my inquiries as soon as she finished updating my addresses and started to delete my inquiries her phone was disconnected. So I called right back and another rep was on the phone. So I explained to him what happened with the other rep that I called in and wanted to get my address updated and request removal of XXXX inquiries. I told him that 's what the other rep was in process of doing before our call was disconnected. He told me that he seen where she updated your address but he ca n't remove my inquiries. I asked why is that sir? He said they have no authorization to remove inquiries that I will need to contact the creditors and get a police report ... ..so I asked for a supervisor and he said the exact same thing. I 've seen where other people have gotten inquiries removed from Equifax without police reports or talking to creditors ... .also ive been hung up on a total of 6 times I explained to the supervisor that I have no contract with these creditors I believe that a lot of these inquiries were a result of the breach that 's going on ... .After that I 've been calling Equifax for 3 days and still no results!!!! A TOLTAL OF 13 HOURS TALIKNG TO Equifax
Product: Consumer Loan

I paid this loan off in XXXX 2015. They processed a payment after the loan was taken out. I asked for a refund of the payment. I ended up receiving the refund through XXXX XXXX XXXX. I have spoken to several different people and even sent my banking statement showing I never received a refund from them. The refuse to clear the account and it is negatively affecting my credit. I was hung up on 3 times while calling to speak to someone. I have someone arguing with me after I sent in the documentation of the what she asked. I would like this situation resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$19000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX
Product: Checking or savings account

Request for Assistance in Resolving Unauthorized Charge Dispute with Chase Bank Dear Consumer Protection Bureau, I am writing to formally request your assistance in resolving an issue I am experiencing with Chase Bank regarding unauthorized charges on my account. Despite following the proper procedures for reporting these charges within the legal time frame, Chase Bank has denied my dispute, and I am now facing re-posted fraudulent charges.

Here are the details of my case : 1. **Unauthorized Charge Details** Two unauthorized charges of {$110.00} each were processed on XX/XX/XXXX, and posted to my account on XX/XX/XXXX, under claim ID XXXX from steamgames.com. 

XXXX. **Dispute Reporting and Claim Reversal** On XX/XX/XXXX, I noticed that the unauthorized charges had reappeared on my account as pending transactions. I immediately contacted the Chase claims department and was informed that, according to their policy, I have 60 days from the transaction date to dispute any unauthorized charges. Since I first reported these charges on XX/XX/XXXX, within the 60-day limit, I believe my dispute is still valid.

3. **Failure of Chase Representatives to Uphold Consumer Protection Laws** Under the Fair Credit Billing Act ( FCBA ) of 1974, consumers are entitled to dispute unauthorized charges within 60 days. Despite my adherence to this timeline, Chase claims representatives cited the 60-day rule as the reason for reversing my dispute, effectively dismissing my case. I spoke with two representatives who provided no resolution, and I also visited a Chase branch, where a representative tried to assist by contacting the claims department but was unsuccessful. 

This unresolved matter has caused significant frustration, and I believe Chase Bank is not upholding
Product: Credit reporting or other personal consumer reports

I have checked my credit report and I am seeing unauthorized inquiries. I am continuing to find fraud on my report and these things need to be taken care of immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am in the process of selling my current home and purchasing a new one. During the title search process, we discovered a lien filed on the property in 2007 by GE Money bank. We had a home improvement loan and at the time we took the loan out, they placed the lien on the property. GE Money Bank changed its name to Synchrony Bank at some point. I contacted Synchrony to obtain a lien release and I was informed that they only kept the motorsports accounts. All other loans were sold to other banks. They gave me several numbers for XXXX XXXX, as they told me is who would have been transferred the loan. According to some research, I believe XXXX XXXX went bankrupt and possibly sold the loans to XXXX, who I believe also either sold it or went bankrupt. With all of these entities, none of them recorded an assignment of the debt with the recorder of deeds after the original party sold or transferred the account. I have no records as this was over 15 years ago. We need someone to release the lien as soon as possible on the property so we can proceed.
Product: Checking or savings account

I spoke to a representative named XXXX in the fraud department and she even acknowledged that all the proof and evidence is there! She said she does not understand why regions has not given me my funds back! I have had over XXXX stolen from my account due to no fault of my own, regions claimed that I didnt make a claim for my XXXX $ when in reality I did and they gave my money back because whoever it was that actually did it didnt have my identification card because I didnt have one! Whoever it was used a signature that did not match mine and they spelled my name wrong! I was told my claim Was denied because this XXXX $ withdrawal had not been disputed in the process because you had to go in a branch! Well fast forward Ive been given my money back for that one and the representatives in almost every office Ive spoken to have told me theres no way regions should have not given me my money back yet! All the proof and evidence is there and I will not stand for not getting my money when they clearly can see I deserve it back after the traumatic events.
Product: Debt collection

I got a call at work I asked them to call me back and the boy on the phone started literally yelling over what I was saying. I called back and a different boy told me I was rude and hung up. I was trying to find out how they got all of my personal information including my card # and social when I have never heard a word from this company. Then he hung up. I tried to call back and the # no longer worked
Product: Debt collection

I have no idea who these people are. XXXX XXXX XXXX. Repeated computer calls. Asking for my XXXX year old son who hasn't lived here in over 30 years. XXXX XXXX
Product: Credit reporting or other personal consumer reports

In adherence to the mandates delineated within the Fair Credit Reporting Act ( FCRA ), I hereby submit this formal communication to revoke any and all authorizations, whether consciously or unwittingly conveyed, whether manifest in written or unwritten form, verbal or non-verbal. Consequently, I exercise my prerogative to opt out of the disclosure of certain information, as sanctioned by 15 USC 6802. Furthermore, my decision to opt out finds legal foundation in 15 USC 1681b, 17 CFR 248.124 ( b ) ( 5 ), THE PRIVACY ACT OF 1974, and 16CFR313.7f, wherein it unequivocally delineates the continuing entitlement to opt out, underscoring the autonomy vested in consumers to exercise this right at any juncture.

Per the purview of 16CFR313.7g1, the efficacy of my direction to opt out remains steadfast until such time that I formally rescind it in writing, or, upon mutual agreement, electronically.

It is imperative that ALL HARD & SOFT INQUIRIES be expunged forthwith, given their classification as non-open accounts pursuant to the statutory provisions of 15 USC 6801. In tandem with the invocation of the PRIVACY ACT OF 1974 and 15 USC 1681 ( b ), under the rubric of permissible purposes, I also choose to opt out of the reporting of all soft/hard inquiries in consonance with 16 CFR 313.7 ( f ). Moreover, I assert my entitlement to the " right to deletion. '' The characterization of any charge-off as a Certificate of Indebtedness merits meticulous scrutiny, as such instances are deemed tantamount to income and, by extension, are ineligible for reporting. This assertion is bolstered by the elucidations delineated in IRS publication p4681, accessible via the following link : [ Insert Link ].

In concordance with the mandates enshrined in 15 USC 6801, it is incumbent upon financial institutions to embrace a policy framework that upholds the sanctity of customer privacy, ensuring the safeguarding of non-public information in a secure and confidential milieu. Consequently, I demand the expurgation of all transaction history and inquiries from my credit report, for it is a flagrant transgression to disseminate any such information. In lieu thereof, I assert that all account balances be accurately reflected as " PAID IN FULL '' or " PAID AS AGREED, '' whilst simultaneously insisting on the obliteration of all hard/soft inquiries.

The rectification of all duplicate names and misspellings, alongside the removal of non-mailable addresses, stands imperative. It is incumbent upon all entities concerned to ensure that my nomenclature is articulated in its entirety, encompassing solely the first, middle, and last names, devoid of any aberrations.
Product: Credit card or prepaid card

I have been an American Express member since 1983, I have a XXXX American Express XXXX XXXX ( for which I pay a stunning {$5000.00} in and I have spent more than {$3.00} million on the card in the past few years- I had thought I was a good customer. I even have a dedicated line ( XXXX XXXX XXXX ) which is supposed to reach my " XXXX XXXX XXXX. '' I called this evening ( XX/XX/XXXX ) at XXXX XXXX and was on hold for 21 minutes before the phone went dead. In short, it is impossible to reach " dedicated '' customer service
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act The following accounts : XXXX XXXX XXXX account number XXXX and/or XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX, Dept of ED/XXXX account XXXX XXXX XXXX XXXX, XXXX XXXX XXXX account number XXXX and XXXX XXXX, Dept Of EDXXXX  account number XXXX XXXX XXXX XXXX XXXX account number XXXX and/or XXXX, XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, They all have all violated my rights under the following ; 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: Payday loan, title loan, personal loan, or advance loan

I did not requested any loan I hand to freeze my credit because of fraudulent transactions
Product: Payday loan, title loan, personal loan, or advance loan

I wasn't told that the interest rate was that high I borrowed XXXX I was told to pay XXXX monthly back. I would XXXX XXXX to pay off my car.
Product: Credit reporting or other personal consumer reports

I have several listed accounts that appear as late when indeed they are not. I reconfirmed this with an official TRANSUNION credit report and they verified as late going from current to 60 days late within a 30 day window, I've contacted TRANSUNION several times with a 2 year time frame with this complaint of these incorrect accounts statuses and have seen no adjustments. According to law 15 U.S. Code1691i- Procedure in a case of disputed accuracy. If the completeness or accuracy of any item ( s ) of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item ( s ) from the file in accordance to paragraph ( 5 ) The accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE ACCOUNTS ARE INACCURATE GOING FROM CURRENT TO 60 DAYS LATE IN ( 1 ) MONTH IM WHICH IS IMPOSSIBLE AND ITS Breaking The LAW UNDER FCRA.
Product: Debt collection

On XXXX XXXX, 2017 XXXX XXXX took XXXX out of my account. This is because of a conversation that I had with a representative two weeks before that wouldnt take no for an answer with arranging payment arrangements for a bill three years ago that i never receive a letter from I tried to talk to them to see if I can arrange payments lower than that but that started to argue with me. I asked to speak with the manager and he also started to argue with me to the point to the point they hung up on me. Now I 'm getting phone calls threatened me to pay or they will be consequences if I do n't get back to them at a certain time frame but I still have received a letter and I really do not want them calling me if they are going to be bullying me to pay.
Product: Credit card or prepaid card

Applied for prepaid card. They took XXXX dollars, never sent the card. I became homeless with service animals during this time and they still kept my money for two weeks. I never ultimately got a card. They never explained why.
Product: Credit reporting or other personal consumer reports

XXXX Accounts was opened by Ex-Spouse opened this account without permission.
Product: Credit card or prepaid card

Bank of America has been taking over thousands of dollars from my account
Product: Credit reporting or other personal consumer reports

I have previously disputed this item XXXX  XXXX Bankruptcy US BKPT CT XXXX XXXXXXXX and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court, and their response is enclosed. It is clear that they do not report to you or to any credit bureau for that matter. Therefore, your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with the FCRA Section 611 15 USC Section 1681 and the information must be deleted immediately. ''
Product: Mortgage

In XXXX of this year, my wife and I started receiving multiple phone calls from Green Tree Services LLC, our current mortgage holder. The caller was stating that we were several months behind in our mortgage payments and we owed upwards 0f {$4000.00} to them. Checking our online banking statements it showed that all of our mortgage checks had been processed and we were making the monthly payments. The woman calling, XXXX, was extremely rude in the voice mails and in one of my recorded voicemails, she curses into the phone. My wife was finally able to get a hold of another representative from the company who explained to my wife that Green Tree had made a mistake and placed all of the checks they had received from us into our escrow account, which in turn showed the mortgage not being paid. They even went as far as to send notice of eviction to our home. While we were desperately attempting to figure out what was happening to our checks we were sending, the company continued with the harassing and bullying phone calls. They even went as far as to call my place of work to harass me. After they finally realized the mistake was theirs, the calls stopped. I am extremely displeased with the undue stress and harassing calls this company has caused my family all due to a mistake on their part. The quality control of Green Tree Services leaves much to be desired.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has completely refused to delete a XXXX XXXX XXXX XXXX and XXXX XXXX XXXX collections from my credit report. I also have unauthorized hard inquires that they will not delete. XXXX XXXX XXXX XXXX does not have a surety bond to be collecting in the state of Texas.