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

Subject : Your submission, [ Case  number :  XXXX  ] We wanted to let you know that the company responded to your complaint.     ( They really did not unless you consider getting a phone call " response ''. Please see below.     In short it was more obfuscation. Please do n't close the file yet!      I tri4ed calling your number but its always busy, so. I also tried the link you posted but its taking me to a page that says 's " erro r '' What happens next?    Review the companys response : - Log in to https : //help.consumerfina nce.gov/app/account/complaints/list to read it online, or - Call us at  ( 855 ) 411-CFPB ( 2372 )  and well share it with you.     The companys response should include the steps they took, or will take, in response to your complaint.     If youre okay with the companys response, then youre finished! If you arent okay with it, we want your feedback. You can call us to dispute it, or select dispute and share your feedback when you review the response online.    XXXX   XXXX   XXXX ,   XXXX    XXXX  morning from  XXXX   XXXX , Connecticut.     And Thank you for the follow up for it is crucially important as it speaks volumes about the seriousness of purpose of your agency.     I was contacted last week by someone from  Chase  who introduced herself as calling from the office of the president.     To be certain of whom she was calling for and the reason for her call mindful that I Did Not write to the president of   Chase, I asked her if it was about the complaint, I had filed with your agency and she said yes.
After that I said, let us cut to the chase and tell me me if Chase would now allow me to increase the automatic minimum payment to which she replied that Chase was still compiling sufficient data ( or something ) before making that decision to which I then remarked " that is complete BS ''.
Chase    I said is one of the major CCard issuer and if the other   companies such as Capital and   XXXX   XXXX   XXXX   XXXX  ould allow us to set the minimum, why couldnt Chase, unless of cour  se Chase wants to continue gouging us, to further increase its profit.
( Yes I was unkind with my words but I made sure she is aware that it was not personal ; that I am alluding to the senior management ).
Knowing we could be going b  ack and forth and still accomplish nothing, I asked her pointedly what the purpose of her call was.     Th  at if all she could tell me was that Chase is still looking at the issue then both our time is being wasted, for clearly, Chase made the point to call me just so it could say to your agency, that they responded.
I also compared Chase to a loan shark ( and many more unpleasant words ) and   each time, reminding her that it was not directed to her, but to her employer so she would know it was not personal.      XXXX  I say   Chase very clearly knows what it is doing and that they can continue to get away with it unless. So the question then is what could we do about it.
For whatever its worth, I am willing to participate in any effort by your agency to force Chase to change its policy.
Thank you for reading this.        XXXX   XXXX .
Product: Debt collection

I XXXX XXXX am in a very difficult financial situation, and I have consulted with a bankruptcy attorney to get direction. It is my decision to avoid filing bankruptcy unless absolutely necessary. Therefore, I am taking an approach that I would consider a Chapter XXXX  or Chapter XXXX alternative. Accordingly, I am no longer going to make monthly payments on my excessive credit card debt. I know that over the next 180-days my accounts will reach the legal standard where they will charge-off. Therefore, I want to put on notice with my various creditors the following criteria : 1 ) I request a fully cease and desist from all calls to my home number or cell number immediately. 
2 ) Upon transfer of my accounts either to a debt collector or a debt buyer, I still demand my rights under the Fair Debt Collection Practices Act be enforced, and that the cease and desist request be honored upon transfer. 
3 ) I demand all settlement offers be send through the US Postal Service  or to my email address stipulated in the CFPB complaint. 
Please adhere to my request under my right with the Fair Debt Collection Practices Act. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to section 605b of the Fair Credit Reporting Act. except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer.
Product: Bank account or service

Fifth Third Bank locked my " make a payment '' feature which had an automatic payment. Since it locked that account, my automatic payment for my mortgage did n't go out, causing it to be late and more fees. When I tried to fix the problem, I just kept getting transferred from one person to another.
Product: Credit reporting or other personal consumer reports

This is my XXXX Complaint that I was the victim of XXXX XXXX. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an XXXX XXXX report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

RCS RECOVERY SERVICES LLC filled law suit on XX/XX/XXXX outside statue of limitations of 5 years. they even re-aged default date and it is still outside of 5 years of statue of limitations. judge ignored this when i said it in court and decided in favor of RCS RECOVERY SERVICES LLC. last payment i ever made was XX/XX/XXXX. they re-aged debt to XX/XX/XXXX but it is still 5 yrs 8 mo after last payment. they never proved that they own debt even when i requested it several times. they never came to court, missed first hearing, judge would not dismiss it then, second hearing they called in and judge never did anything on my motions or request. judge would approve their every motion and never any of mine.judge ignored statue of limitations.
Product: Debt collection

Online Information Services ( OIS ) claims to have some debts in my name. I requested that they validate the debt and OIS responded with a formatted letter that claims validation of the debt. However, the record of the account is printed so small it is incomprehensible. No name, dates, address, amounts or important information can be deciphered from their alleged record of this debt. This is a blatant act to circumvent the Fair Debt Collection Practices Act by using unfair practices in an attempt to collect a debt and avoid validation of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX ( Original creditor : XXXX XXXX. ) XXXX Balance : {$6800.00} ; XXXX XXXX XXXX Original creditor : ( XXXX XXXX XXXX XXXX XXXX. ) XXXX Balance : {$920.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX Inquired on XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

I am writing a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue align with a recent CFPB finding against Navy Federal for similar practices, where transactions settled with insufficient balances, despite initial available funds. I believe the practices are unfair and request an investigation into my account transactions.
Product: Consumer Loan

On XXXX/XXXX/16 I purchased a car from XXXX. It was a cash deal. With a purchase price of {$40000.00}, I gave them {$21000.00} in cash and wrote a check for {$19000.00} to complete the transaction. They ran my credit and had me fill out a credit application but stated it would not be processed unless for some reason my account had insufficient funds and the check did not clear. On that date I had over {$130000.00} in Bank of America. I drove the vehicle home. XXXX XXXX I got a letter from Bank of America stating that they had received a loan request through XXXX and that my loan had been disapproved due to information from XXXX even though my credit score was XXXX. I called the banks XXXX number and asked them how I could be turned down for a loan I had not asked for in the first place. They said XXXX submitted the loan application. So, I asked them even if XXXX submitted it, I had over {$130000.00} in Bank of America and they cashed my check. So, XXXX I did not need a loan and secondly if I had requested one - how could they deny me a loan of {$20000.00}. The person on the phone just gave me a generic answer stating that is the way they do things. I called XXXX again and after a few days the finance manager and I made contact. She stated that they did not submit the paperwork for processing, but only submitted it as back up in case my check did not clear ( which of course it did clear ) .I went into Bank of America in person and they could not help me. They said somebody would call me. About a week later I got a call from B of A in another State but when I returned the call they had closed at XXXX Central time. Just a few days ago I got another letter from Bank of America dated XXXX XXXX, 2016 again stating that my loan had been declined. Even as of today 's date, I still have over {$110000.00} in Bank of America. I happen to have almost double that amount in other banks and happen to own XXXX houses free and clear. I have XXXX loan on my existing house but I do not see how any of that is even relevant when I paid cash for the vehicle and of course had enough in Bank of America that given day to buy XXXX vehicles in cash. Both parties have denied any wrong doing in this but it is obvious that one if not two are clearly in the wrong here. My relationship with Bank of America after over 30 years has been damaged and I plan to withdraw my funds from that institution. I would like to ask for monetary damages and compensation for this quagmire. Bank of America claims that I am a preferred customer. I wonder how a non preferred customer is treated..Ironically, I have a {$20000.00} credit limit on my Bank of America credit card . That was the amount of the loan they turned me down for that I did not apply for ...
Product: Mortgage

They are PURPOSELY obfuscating the request to remove the Tax section of the impounds with a request to remove the ENTIRE escrow account. This is not what is being asked for. I am requesting to KEEP the impounds used for PMI, as that is required, but no where in ANY laws or state regulations can I find the requirement to force me to keep the entirety of my escrow account open. I want to pay property tax and my homeowners insurance on my own as they have shown with the attached escrow analysis they can not do it. I have had this loan for over 2 years. At this point my home value is unchanged and XXXX insurance essentially is in maintenance mode and should not change that drastically. How did they manage to XXXX that up to the point that not only am I under the amount required, but I owe more than is required to be in the account. 


In my previous complaint they ONLY make references to have the entirety of my escrow account closed. I AM NOT ASKING THAT
Product: Credit reporting or other personal consumer reports

Re : Dispute of Inaccurate Disclosure under Truth in Lending Act ( TILA ) Account Name : XXXXXX/XX/XXXX Account Number : XXXX I am writing to formally dispute the inaccurate and incomplete information reported on my credit file under the Truth in Lending Act ( TILA ) regarding my XXXXXX/XX/XXXXaccount referenced above. The following discrepancies and omissions have been identified in my credit report : Specific Issues Identified : XXXX. Inaccurate Account Status : The account status is listed as charged off with a past due amount of {$4300.00} as of XX/XX/XXXX. However, the status updated date is listed as XX/XX/XXXX, which is inconsistent with the charge-off status continuing into XXXX. 

2. Credit Limit Discrepancy : The credit limit for this account is reported as {$3500.00}, but the highest balance recorded is {$4300.00}. This discrepancy suggests possible errors in reporting or unclarified over-limit fees. 

3. Omitted Recent Payment and Monthly Payment Information : Last payment report as XX/XX/XXXX, but 24 months history payment show that last payment was XXXX, XXXX clearly an inaccurate payment information. Monthly payment fields are left blank, violating the requirement for transparency in payment reporting under XXXX. 

4. Inconsistent Payment History : The payment history shows gaps and inconsistencies, with no data ( ND ) reported for several months in XXXX and XXXX. This lack of detailed payment history affects the accuracy of the report. 

5. Inaccurate Reporting of Terms : The credit card terms, such as the APR and payment terms, are not reported, which violates the TILA requirement for clear disclosure. 

These issues are also in direct violation of the FCRA, specifically : - Section 1681e ( b ) : " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' - Section 1681i ( a ) : " If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer... the agency shall ... conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate... '' Enclosed with this dispute a copy of the section of my credit report highlighting the disputed items as a document to support my dispute :.
Product: Vehicle loan or lease

This complaint is filed against Exeter Finance LLC ( a creditor ). The issue is that I have reason to believe that I am being frauded by this creditor regarding the balance of a contract I signed with Exeter and that there may be a breach of contract regarding honesty, transparency, and accuracy of the total amount of the finance charge within the loan agreement that was signed with Exeter. I am requesting a direct and comprehensive response as to how it came up with the amount of the finance charge in the contract. This matter is adversely affecting not only my credit reports, but my health and livelihood in its entirety due to my mental anguish that stemmed from ongoing confusion of previous issues I have had with this company because it claimed I owed an outstanding balance repossessing my only means of transportation as a result.
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). NAME : XXXXXXXX XXXX  LAST NAME : XXXX XXXX XXXX : XXXX SECURITY FREEZE
Product: Credit reporting

Public tax liens that have been investigated and deemed resolved and released, still remain on my credit reports for all XXXX agencies. XXXX for XXXX for the State of Maryland ( paid ) and another for XXXX for the state of Maryland ( Deemed inaccurate ) released XXXX months ago.
Product: Debt collection

XXXX XXXX XXXX never mailed me anything to this account all I ever received was from a letter from Exeter Finance saying it was been transferred to XXXX XXXX XXXX. 
XXXX XXXX XXXX never contacted me nor mailed a letter by law. I did not even have the right to dispute the debt that is on my credit report. 

Exeter Finance bought this account back from XXXX XXXX XXXX This account does not belong to XXXX XXXX XXXX
Product: Debt collection

Franklin Collection Service , Inc. attempted to collect a {$70.00} debt from an old XXXX XXXX XXXX account that I have not held for many years since I had transferred it to my roommate in XX/XX/XXXX. 

When my roommate had moved out and closed the account in XX/XX/XXXX, he stopped making payments which was when it got to collections. In some weird mix up, they had tried to contact my old roommate in his new address in XXXX XXXX, and yet some how still associate the debt under my name. I had only found out about it at the beginning of XX/XX/XXXX, by the virtue of my credit report. I quickly contacted them and out of confusion and panic, I had paid for the amount just so that I can get rid of it from my report. 

By law, I should have been given a 30-day period to either pay or dispute the charge. However, I was never contacted by anyone from Franklin Collections and according to their representative, the letter was sent to my roommate to an address that Ive never lived in. Even after contacting them and stating this on the phone and over email, they have still not gotten back to me and refuse to remove the collections from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of below accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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: Checking or savings account

On XX/XX/XXXX I filed a claim of multiple transactions I did not recognize. They shut down my card replaced it and did an investigation. Today XX/XX/XXXX they called me to tell me me reporting multiple fraudulent transactions was considered fraud and that a business decision was made to close my account and mark me as a high fraud risk. In two days Im expecting direct deposit of my paycheck and I was told they blocked any deposits so now I dont get my paycheck and lost my account all because I reported things I did not recognize and was told I was a fraud risk
Product: Debt collection

Starting in  XXXX  of    2016  i started writing letters to the credit bureaus to attempt to remove/verify this item from my report. I then went directly to the company itself. I have NOT received a RESPONSE to any of my inquiries. I am so incredibly frustrated by the lack of response. I have NO IDEA what this is. Where it came from. What it 's for. and NO ONE WILL HELP me. This should not be on my report and is affecting my finances. thi s is NOT RIGHT.   <P/> also- this item appears  XXXX  on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXXXX/XX/XXXX 15 USC SECTION 604 SECTION2 IT STATES I HAVE RIGHTS THE RIGHT TO PRIVACY IT ALSO STATES THAT AS A CUSTOMER REPORTING AGENCY VIALATED MY RIGHTS AND CANNNOT FILE AND PLEASE DELETES OFF MY CREDIT IN A TIMELY MANNER THANK YOU
Product: Checking or savings account

I am writing to address an ongoing issue with my M & T Bank account. Despite having set up my account to decline any debit card transactions that would result in an overdraft fee, I have been charged multiple overdraft fees. 

Specifically, I was charged thirteen overdraft fees of {$15.00}, resulting in {$190.00} in overdraft fees. I have requested a refund for these fees, but the issue remains unresolved. I have called several times to request that M & T Bank correct this error, and I would appreciate prompt assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

According to XXXXXXXX XXXX XXXX XXXXXXXX. XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account volates these laws : 15 USC 16815 : Account # XXXX, XXXX XXXX XXXX, Placed in Collections XX/XX/XXXX XXXX XXXX