23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I 'm not sure what this on is about, it may be from XXXX, they were over charging my account and I was supposed to have it taken off, that 's also the reason I left the cell phone company
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Product: Checking or savings account

I am submitting this complaint because I am currently unable to open a new bank account due to multiple previous accounts that were closed with a negative balance. These accounts are being reported to consumer reporting agencies like XXXX and/or XXXX XXXX XXXX by the following banks : Ally Bank While I acknowledge that some of these accounts may have had negative balances, I was not properly informed of the closures or final balances owed in several cases. I was also not provided a clear breakdown of the charges or adequate opportunity to resolve the issues before the accounts were closed and reported. 

These unresolved or unverified reports are now preventing me from opening any new checking or savings accounts, which is severely impacting my ability to manage money, receive direct deposits, and pay bills. 

I am requesting that a full investigation be conducted into the accuracy and validity of these reports. I also request that I be provided with any documentation that proves the final amounts owed, transaction history, and communication regarding the account closures. 

If these debts can not be verified or if the reporting banks can not provide proper documentation, I respectfully ask that the negative reports be removed from my consumer file.
Product: Credit card or prepaid card

On XX/XX/XXXX of XXXX, I went to a clothing store called XXXX in XXXX, Minnesota. As the cashier was scanning my clothes, she asked if I would like to save 15 percent on my purchase for the day. I said sure. My purchase was about {$40.00}, something between 40 and 41. With the discount, the price was between {$35.00} and {$36.00}. 
Heres where the issue came up. The cashier rang up my clothes as the {$40.00} price and the discount was not applied. To avoid any future issues, I asked to pay off the full amount immediately after my purchase. What ended up happening was she only paid off {$35.00} of the {$40.00} because she did not notice the discount was not applied. 
So about five dollars was left on the card for several months and the balance build up on the 29 percent annual interest. I had no idea of the balance until I finally got a letter in the mail from XXXX XXXX saying that I had owed {$71.00}. 
A few days later I went into XXXX to resolve the issue. They told me to call XXXX XXXX which is who the card is issued through. I believe this bank is located in Delaware. 
I call and tell them the situation. They tell me that they can not just clear the {$71.00}, some of it has to be paid. So I get them to lower the balance to {$17.00} which seemed a lot better than {$71.00}. The XXXX manager reimbursed me the {$17.00} so everything was cool after that. 
Then I looked at my Fico Score on XXXX XXXX which I do every month. It had dropped from XXXX in XX/XX/XXXX all the way down to XXXX in XXXX of XXXX which i when I found out about this. 
Since then, I have gotten my score back up to XXXX. 
These are the only missed payments I have ever had. 
I recently talked with a banker at XXXX XXXX and he said I should 100 percent dispute this problem.
Product: Mortgage

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that LOANCARE SERVICING CTR has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Checking or savings account

JP Morgan Chase Authorized a payment to a Hotel in XXXX saying that they had approved me the credit to rent a room when they won't even cover me if I don't have the money in the account. So now in XXXX they want to charge me {$460.00} Dollars I never ask for and because they couldn't get in contact with me they charged me didn't even send me a message on my app that's really trying.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus have severely dropped my credit scores and are reporting this comment or something similar : " Open real estate account balances are too high compared to their loan amounts. '' I live in the XXXX, a retirement community. We have two types of homes - original and updated. If your home is in original 70 's 80 's condition it is of significant value less that if there has been a current remodel. This was my house in the beginning. It was in original condition and I have a completed a total restoration. I am NOT underwater with my mortgage of {$250000.00}, as this would be the low end value of my house even with a real estate value bubble burst!

This is totally unfair to those of us who have invested in retirement homes in a retirement community. I have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX on the XXXX XXXX and don't plan to sell, however reducing my credit score to XX/XX/XXXX is criminal! This affects future car purchases, other loans, and insurance rates. Hope you can help.
Product: Money transfer, virtual currency, or money service

I was called by the chime customer support number at XXXX est on XX/XX/24 and the representative stated he was calling to verufy some suspicious activity he verified my name and started nameing transactions based out if XXXX texas and i reside in South Carolina . He stated not to worry that they are creating a new secure account for me and provided me a confirmation number a temp password for said account then proceeded to provide me a chime email to send my available funds in the amount is {$150.00} to that account using money tranfer i did and then the line went dead upon calling right back the same number i was informed that i somehow was scammed and they will file a dispute and how they appreciate my call since it came from their number. A fee hours later i received an email stating there us nothing they can do even though it was through them
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPANIES RAN MY CREDIT WITHOUT CONSENT. NO ACCOUTNS TO PROVE
Product: Mortgage

I have tried to resolve my past due mortgage with TD Bank for several years now. I applied for a short sale. It was approved, however, their requested amount exceeds the offers and current executed contract on my home. I had an inspection done on the property by a licensed appraiser. I also provided TD Bank with a cost estimate from a licensed general contractor. They instead are only relying on an untrained unlicensed opinion from a real estate agent ( that have had huge swings from one month to the next ) or computer generated valuations to determine the value of my home. They have refused to respond to the supplemental proof they were provided. They have never sent anybody to inspect the property. They seemed, for no good reason, to have stopped responding to my short sale application from my broker. Then I received a phone call from customer service that told me my short sale was rejected. They did not indicate they were reviewing the appraisal or the cost analysis. They offered to do a loan modification although I have tried and failed in the past, do not wish to retain my home, do not qualify because of my low income and the debt on the home from this lender and the subordinate lender exceeds my ability to pay. TD Bank has been unresponsive to my broker when evidence was provided regarding the accurate valuation. They have failed to provide me with appropriate relief from my mortgage debt.
Product: Credit reporting or other personal consumer reports

Tried to log into my credit karma account through personal questions and or email, however I'm being asked to send my personal information before they can change and update the phone number so I can regain access to the account. I was told that I would receive an email but the email was never sent to update the phone number. Since they're making the process a hassle, I told them to close the account and forward me my money that was left in the savings account. They told me it's unfortunate that they will not unless I give them two forms identification over the chat system. I declined. I'm the victim not the criminal and no I don't trust them to keep me information protected now that they have partnered with the tax company known as XXXX or XXXX XXXX, they probably would sell my personal information for a price.I provided the last four digits of my SSN and the current address to forward my funds. They are still being uncooperative.
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 : DEPT OF EDUCATIONXXXX XXXX XXXX Account name : DEPT OF EDUCATIONXXXX XXXX XXXX Account name : DEPT OF EDUCATIONXXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name 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: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX account XXXXXXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 


15 U.S.C 1681 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: Credit reporting

CHASE BANK USA, N. A XXXX, 2017 XXXX 

I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

From XXXX, I was in contact with Nissan Motor Acceptance attempting to understand why there was a difference in what I saw on my credit report and what I though the amount should be. At that time, I was sent a letter referring me to the contract I signed with Nissan Motor Acceptance. I did make a call and spoke with a representative named XXXX. I was told late fees apply on the XXXX of each month, contract interest of XXXX % and per diem interest of {$3.00} accruing daily. In XXXX, I began receiving robocalls from Nissan Motor Acceptance threatening to pick up my car if I don't make payment. It was horrible the amount of calls I was getting every day. I had an attorney send Nissan Motor Acceptance a letter which they did not respond to and kept calling. In XX/XX/XXXX, I faxed Nissan Motor Acceptance a fax indicating Nissan was in violation of the CFPB 's Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act. I was distraught. Nissan picked up the car. I was given the amount to pay so I could recover my car. They gave me an amount {$170.00} short of what they needed. This was reported to the credit bureaus as a charge off. My credit plummeted by XXXX points when Nissan did this. They also did not release the title until I paid the {$170.00} in XXXX of XXXX. I received my title, but my credit did not increase by the amount it had plummeted. I wrote dozens of letters to Nissan and disputed my credit report with the credit reporting bureaus with no help at all. I was always referred back to Nissan Motor Acceptance. I was treated like a criminal.
Product: Checking or savings account

I was charged on XX/XX/2022 for the amount of XXXX. I tried to immediately block this transaction or stop payment because I did not authorize this amount or any payment to be taken from my account t this day. 

They stated they would dispute this and that happens in a few days after it clears pending status. But they payment over drafted my account
Product: Credit reporting or other personal consumer reports

I checked my report and noticed accounts that i did not open XX/XX/2022 inthe amount of {$750.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXXXX, XXXX. on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$1400.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

my information has been used without my consent and I want to remove all these inquiries off my credit report
Product: Credit card or prepaid card

I have repeatedly over several years asked the Bank of America to reduce its interest rate as I can not afford to pay its high interest rate. 

My belovend wife XXXX and I live XXXX XXXX XXXX XXXX  and we can not at all make ends meet and now with soaring inflation! 

But the Bank of America refuses to work with me to resolve this very serous financial problem! 

I SHALL DECLARE BANKRUPTCY IF NECESSARY!
Product: Credit card or prepaid card

Hello, my name is XXXX XXXX. I have been trying to get my Relia Card, and is not possible to contact them at ANY time of the week. Once of the papers that I received weeks ago in regards unemployment benefits had this websote. Is there any way that you can help me to get  new replacement? my email is XXXX. Feel free to contact me anytime. Thank yo
Product: Debt collection

I want debt validation claim pursuant to 15 USC 1692 g. I am requesting original contract with original creditor with my signature on it. I want to see my payment history with original creditor. I want a detailed list of payment history of payments made by me on this account. I want to see the signature that I put on the contract guaranteeing that I would pay this creditor. Im asking to see has there been any insurance claim filed on this debt and I want proof that they have the chain of title to collect on this debt
Product: Mortgage

I closed on my home in XX/XX/XXXX. My property survey submitted during closing indicated that my home was located in a flood zone that does NOT mandate flood insurance.

On XX/XX/XXXX, I was informed by my lender, PennyMac USA, that I was missing required flood insurance documentation and if I had not provided it by XX/XX/XXXX, I would be charged for lender placed flood insurance in the amount of {$2700.00}. I provided my closing docs as well as my survey and they said it wasn't enough. I then had to go directly to FEMA to provide me with a XXXX documentation on my property. FEMA told me I needed to pay for an elevation certificate to obtain this, which I did XXXX {$150.00} ), and long story short, FEMA confirmed that I was NOT in a mandated flood zone. In fact, their XXXX utilizes a flood map that dates back to XX/XX/XXXX.

I provided all the docs to PennyMac USA, but they still charged {$2700.00} to my escrow account, and are now refusing to refund me the full amount. They are claiming that I somehow had a lapse in coverage from XX/XX/XXXX to XX/XX/XXXX, which is impossible. I never knew my home needed a flood insurance policy as per my initial property survey, and my lender is essentially trying to steal {$2700.00} for something I never needed ... which I have proved through and through. 

Please help.
Product: Checking or savings account

On XXXX XXXX I deposited a check for {$3300.00} from a multi-million dollar logging company. The Bank of America put a 10 day hold on my deposit. I immediately called customer service asking them to release the hold. The lady told me she would forward my information to the department that handles holds and the funds would be released in XXXX hours. After XXXX hours ( XX/XX/XXXX ) and the funds were not released, I called customer service again. This lady said I had no notes on my account and she would send the request again with money releasing in XXXX hours. Another XXXX hours goes by, I called again on XX/XX/2024. This time customer service transferred me to the Claims and fraud department. I talked to a man that told me he would send in hardship form to have funds released. Well yet again, funds were still not released. I called the claims and fraud department again and asked for a supervisor. Her name was XXXX. She told me no notes were noted on my account. She told me she would put a request in for funds to be released.I told her if funds were not released by XX/XX/XXXX, I would ask the company I received the check from to stop payment and issue me another check to be deposited into another bank. Because of this my credit card is now overdue which will affect my credit score. My bills are not able to be paid on time. I have given them several days to resolve the issue so my family would not be in financial hardship. This is not okay to hold hard earned money away from their customers that have been with their company for XXXX  years.
Product: Credit reporting or other personal consumer reports

The company is ic systems and its original creditor XXXX XXXX XXXX is reporting a fraudulent item on my credit report attached are polokxe report submission and identity theft affidavit
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter serves as an official 5th complaint for XXXX and Transunion for incorrectly reporting false public information on my credit reports with each provider. XXXX has already removed the incorrect Bankruptcy filings from my report about year ago. All 3 credit reports should have identical, correct information. This incorrect information is hendering me from obtaining necessary funding for my family and I need to survive during this XXXX Virus Pandemic. I am requesting the assistance of CFPB once again to help me get his issue resolved.
Product: Debt collection

insurance company change price after first payment was made so i cancelled when price changed