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

I have an ACH debit that automatically hits my Chase account every month for {$730.00}. I did not have sufficient funds in my account on XXXX XXXX, 2017 to pay this item and Chase paid it anyway even though I do not have overdraft protection and charged a {$34.00} fee. The next day there was another transaction for {$42.00} that was charged to my account and because of the prior withdrawal my account was now overdrawn and I was charged a 2nd {$34.00} overdraft fee. If the first item had not been paid there would have been sufficient funds to pay the 2nd item and I would not have been charged for two overdrafts. When I saw that they paid the first item, I attempted to deposit a check into the account to cover the balance so that I would n't be charged the 2nd overdraft fee, but when they overdrew my account they blocked me from making deposits by phone, ensuring that I could n't prevent the 2nd overdraft. I deposited the funds in another account because they usually clear them quickly and allow transfers between accounts, but they did n't clear the deposit until the next day. When I inquired why they paid the {$730.00} when there were insufficient funds, they said it was at their discretion whether to pay it or not. It appears that Chase is using its " discretion '' to attempt to maximize its fee income at the expense of its customers. I asked if there is any way that I can select an option that they not pay overdrafts and they said no. Their practice of making it difficult to make deposits on overdrawn accounts is an unfair business practice designed to collect more fees. I hope that the CFPB will consider adopting a rule to allow customers to decide whether they want their accounts overdrawn by ACH debits, and/or a rule to prevent banks from preventing deposits when accounts are overdrawn.
Product: Credit reporting or other personal consumer reports

Chapter 1 1.The Law of Privacy 15U.S.C ,1681, 602 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

( 2 ) ( a ) In General Subject to section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) Law ( a ) Duty of Furnishers Of Information To Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

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 XXXX XXXX XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : Department of EDXXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX 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 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: Debt collection

We have a case here of fraud. The consumer used our service with our company XXXX XXXX XXXX, damaged our RV, and we sent a ton of pictures and documentation/contracts to the credit card company after they did the charge back for services rendered without requesting information from us, the business owners. This is not allowed, they must ask first for information and then determine if its legitimate. There is nothing friendly or pleasing about friendly fraud. Friendly fraud is an industry term which refers to a fraud which results from a customer making a purchase with his or her own credit card, receiving the merchandise and then filing for a chargeback. This involves dishonest people who would like to keep the merchandise without actually paying for it. This is what happened to us and we have been victimized for years due to this fraud. 
In the offline world, this is known simply as shoplifting or stealing. However, this is tolerated on the Internet, thanks to chargebacks. We expect this debt to be erased immediately or we will take further action. The documentation, we assume, is on file with this collection agency. Please publish this situation as something needs to be done about their dishonest business practice. All anyone has to do is read reviews online to see all the issues with the original company : XXXX. AND they are out of business .... not surprised. XXXX XXXX. Therefore there is no way to dispute this situation with the original creditor. This is so shady all the way around. Again, we assume this " collection '' company has all the original documentation?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested the consumer reporting agencies to change the status of the XXXX XXXX XXXX XXXX account to closed/never late due to First Investors XXXX XXXX failing to comply with 15 U.S. Code 1666b ( a ) and 15 U.S. Code 1681s2 ( 7 ) ( A ) ( i ). The consumer reporting agencies have failed to update the status and the consumer reporting agencies have failed to comply with 15 U.S. Code 6802.
Product: Credit card

Company contacted me on XX/XX/XXXX asking about charges. They were not mine, they closed the account and sent me a new card. They put the fraudulent charges on the new card on XX/XX/XXXX in the amount of {$2700.00}. XXXX being told it is sitting on my balance for months until it is investigated. They are reporting a higher credit balance to reporting agencies for charges that are not mine. Other credit card companies will remove the fraudulent charges while being investigated. I dont understand why I must carry a high credit balance when THEY called me about the card being compromised. Very bad business and customer support.
Product: Checking or savings account

On XX/XX/2021 I reported a fraudulent brokerage account and a platinum debit card to Charles Schwab that was opened with my information. They informed me that this would be closed and my information would be flagged appropriately so this does not happen again. I reached out on XX/XX/2021 because I had yet to receive confirmation in the mail of the closure. During this call, I was informed that Charles Schwab bank allowed another brokerage account to be opened with my information after I already reported identity theft to them less than a month prior.
Product: Student loan

I received a letter from MOHELA on XX/XX/year>, stating that interest will continue to accrue on my loans while they are in forbearance ; however, according to studentaid.gov, " If you are in the SAVE forbearance : As described above, ED has placed borrowers currently enrolled in the SAVE Plan ( previously known as the Revised Pay As You Earn, or REPAYE, Plan ) into a general forbearance because their servicers are not currently able to bill them at the amount required by a recent court order. Interest will not accrue under this forbearance, which will last until the legal situation changes or servicers are able to send bills to borrowers at the appropriate monthly amount. '' I am in a SAVE forbearance and, thus, interest should not be accruing on my student loans during this time.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I was trying to make online payment online like everymonth but this month I was not able to do it. I noticed last month that I was place on automatic draft from my acount and this was my second time they adding me in this program. I removed my self from this automatic deduction and when I tried to make this month payment, I was not able and the messasge said to contact customer service at XXXX XXXX XXXX which I had tried for 3 days and I get place on a waiting recorder for 1 1/2 to 2.0 hrs and then all sudenly the call drop. I contact them tru message and they say because I made 2 payment with insufficient money this is why i'm in the block payment. I explained that I had never requested to be on automatic deduction and twice I removed my self from that services. I asked to talk to a supervisor and so far noone has call me. I just want to make my payment on time and not pay any late fee or being late on my payments. I had NEVER missed a payment or been late. This is not my fault but I'm getting penalized by the mortgage company and they do not want to help or work with me on this issuse. I have this loan for over 20 yrs already and never been late
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. 
The following : XXXX. Account : XXXX XXXX # XXXX XXXX. Account : XXXX XXXX XXXXXXXX # XXXX XXXX. Account : XXXX XXXX XXXXXXXX ; # XXXX XXXX. Account : XXXX XXXX XXXX ; # XXXX XXXX. Account : XXXX XXXX XXXX XXXX ; # XXXX XXXX. Account : XXXXXXXX XXXX ; #, XXXX XXXX. Account : XXXXXXXX XXXX ; #, XXXX XXXX. Account : XXXX XXXX  ; #, XXXX XXXX. Account : XXXX XXXX XXXX ; # XXXX XXXX. Account : XXXX XXXX XXXX ; # XXXX XXXX. Account : 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: Credit reporting

I checked my score then weeks later i recived a letter from XXXX XXXX XXXX that a identity alert has a block on my credit and i need to respond. so everything checks out fine. please remove this alert block off my credit thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30-60 days gives a reason to immediately remove those items from my credit report it has been over days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have caused me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX credit bureaus have been sent countless correspondence via phone and email regarding the inaccuracies on my credit report, yet they continue to report fraudulent accounts as opened. I have called both both credit bureaus and a couple of debt collection companies regarding these fraudulent accounts asking them for the usual verification, debriefing them about the accounts being open fraudulently, yet they continue to report them as open. I have issued these violators cease orders, yet they continued their attempt to collect. 

Below are a list of the companies in violation : XXXX XXXX : XXXX XXXX collections- {$130.00}, no verification of any kind of debt, cease and desist order, continues to inaccurately report fraudulent accounts. 

XXXX : XXXX XXXX XXXX XXXX- {$3300.00}, cease and desist notice, inaccurately reporting a fraudulent account. 

Sentry recovery and inc- {$1400.00}, cease and desist notice, inaccurately reporting a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Released my personal information in security breach
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit information including ssn # and address and dob were obtained fraudulently and was used to obtain XXXX XXXX and personal bank info and loans. is is even with me having a fraud alert on my credit report. 

XXXX XXXX XXXX {$53.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX {$510.00} XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I went past due on my SYNCB/WalMart account back in 2012. I made the payment in full and before paying I asked them to remove this negative tradeline. They said they would remove if I made a payment. This account was never removed ( bait and switch for full payment ).
Product: Credit card or prepaid card

Went to use the card it was declined. Noticed multiple fraudulent charges on the account filed and nothing was ever done. Made contact with the office of the CEO and still nothing being done.
Product: Money transfer, virtual currency, or money service

Someone else used my debit card on cash app and made charges to my account. No way to get a hold of anyone to take care of this transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 18 USC ( 8 ). I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681B ( 2 ). This company also has no permission to report anything using my info pursuant to 15 USC 1681 ( 4 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Alleged account # XXXX The 3 Credit bureaus failed to properly investigate a dispute, so i filed an investigation directly with the collection agency in the form of a sworn testimony ( AFFIDAVIT ) to which they have responded ( attachment ) that they will request that the 3 major credit bureaus delete the tradeline of the referenced account. However, they have concluded that this may take up to 90 days, to which I am disputing needs to be removed  immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following debt collection accounts : XXXX XXXX XXXX XXXX, {$960.00}, and XXXX XXXX XXXXXXXX  XXXX, {$12.00}, XXXX are fraudulent, unauthorized and dont belong to me. I have been receiving harassing phone calls daily at XXXX XXXX from representatives from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX XXXX, using abusive and profane language against me, making death threats, threats of taking legal action against me, and threats of me going to jail and prison. I informed representatives from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX   XXXX, that the debt and account is fraudulent, unauthorized and not my debt. XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX, is in violation of The Fair Debt Collection Practices Act ( FDCPA ) under Federal law.
Product: Credit reporting or other personal consumer reports

The following accounts that is on my credit report is not mine : XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 an employee at the Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) added an unknown person to access and remove money from my checking account. {$30000.00} was stolen by an affiliate of this bank employee who used my stored identification at Bank of America to bypass security checks in their own system. I've been contacting Bank of America about this for weeks now, we're now on day XXXX of the fraud investigation ( which I was originally told would likely be resolved within 10 days ) and the case is still being investigated and the money has not yet been returned. 

The email attachments are the notifications I received about an account being opened in my name. When I contacted the bank, they said they had no record of me opening a new account. Their system was reporting a new person being added to my checking account and sent me an email automatically about this, but there was no indication of that action being taken specifically, the bank fraud team was unable to determine this at the time and the thief was able to later steal the money without BofA being aware.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  account # XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states 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.

I never received a 1009-C form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).
Product: Credit card or prepaid card

I submitted a previous complaint through the Consumer Financial Protection Bureau, under case number  XXXX . Thank you for removing the late payment fees from my account as a result of your mistake. At this time, I am requesting a credit balance refund check be sent to me at the address listed on file.     After reading Kohl 's response letter, I do not agree with the result of the 'investigation ' into the delinquent remarks placed on my credit report. The response provided by  XXXX   XXXX   XXXX  brought additional questions that I would like to have answered.     Kohl 's response indicated that, during  XXXX   XXXX , I elected to have only electronic billing notifications provided when there was a balance due and to suppress paper billing statements. While this  may or may no t be true, I do not recall making this election in  XXXX   XXXX . However, because this is the response provided by Kohl 's, I would like to know how and why I continued to receive monthly paper billing statements through  XXXX   XXXX , two years after the alleged election was made to ONLY receive electronic billing notifications? Furthermore, I would also like to know the exact dates that I logged into my account online to view my account activity.     Based on these questions, to which I 'm sure will not properly be answered, the delinquent remarks should be immediately removed from my credit report as it is an inaccurate representation of the status of my account with Kohl 's. I am also requesting that the " customer disputes reporting '' remark be immediately removed from my credit report as I never requested that my account be listed that way.
Product: Mortgage

I am applying to purchase a single 2 bedroom mobile home and they denied me inspite of never defaulting on any past loans. Then they said I could possibly get approval if I am willing to put 20 percent down payment. Twenty percent of XXXX XXXX is XXXX. I offered XXXX since XXXX is a small loan. The company is 21st Mortgage out of XXXX XXXX, Tx. I could not find an address in XXXX XXXX Texas, so I XXXX the company and found a Tennessee address. The denial letter was from a XXXX XXXX.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.