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

RE : Mothers bank account I am a senior citizen looking for help. My mother XXXX  in XXXX. In XXXX I went to US Band and told them that my mother had XXXX. I showed them her XXXX certificate. Ever since then I have not received any mail from this bank for my mother. I have been to the US Bank on XXXX XXXX, XXXX and inquired as to what has happened to my mothers bank account and they tell me that they do not have any record of her.
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I know that they have a record of her as she had a safe deposit box which I closed out. I have the bank account number but they refuse to tell me what they have done to her money.
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What can I do? I am entitled to my mothers bank account as I am her only heir and my name was on her bank account.
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Sincerely, XXXX XXXX ( XXXX ) XXXX
Product: Checking or savings account

I lost my job, and expressed this to Chase many times trying to get them to help me maintain my account. Since XX/XX/2019 - Today, XX/XX/2019, I have been charged 20 NSF / Returned fees. That's {$680.00} total. {$170.00} of that is recurring card transactions. I've paid {$170.00} on little transactions, one of which, for example is {$9.00} razors from XXXX. REALLY? Another {$68.00} is fees on retry transactions where the money STILL wasn't there. Why not just return it altogether instead of racking up fees for me to have to pay? Frustrated, I called Chase today to cancel my card so that they couldn't keep making money off of their predatory recurring transaction fees so that I could get this stupidly high balance paid down. They were unhelpful with trying to assist me with the fees, but they will mail me another card once I bring the account current. I am so frustrated and I'm usually very responsible with my money ... that's why I buy things with my debit card because if I don't have the money, my card will get turned down. It scares me that I have to try and remember every single recurring transaction that MIGHT occur off the top of my head to ensure that Chase isn't taking advantage of my unfortunate financial situation. This is a time in my life in which losing {$680.00} to fees that didn't have to happen is a really really big deal, and I'm so disheartened that there's no kindness in the banking industry. It really is just profit. No one cares when I call and tell them to please help me get out of this. Please stop paying recurring transactions. I don't have overdraft protection on, but they don't care.
Product: Credit card or prepaid card

Around XX/XX/2020, I noticed 2 charges on my credit card that I did not authorized. 
I contacted Citibank, they issued a new card with new card number, put the transactions into dispute, and then issued temporary credit. The charges were dated XX/XX/2020 I got a response on one of the items yesterday, XX/XX/2020 and Citibank was going to reverse the temporary credit as if I lost the dispute. 

I believe the merchant was involved in the scam. The merchant have a website that is no longer active. The domain was created on XX/XX/2020. 

On first pass, Citibank took the merchants word. I am still placing the complaint back into dispute. 

In short the credit card company is offering me little protection from a fraudulent charge that may involve a form of identity theft.
Product: Credit reporting

I followed Experian 's online protocol to correct addresses. I received their response and the information was still incorrect. When I again followed protocol to correct, the options provided on the website do not allow for additional options. The only options from a dropdown menu are : Never lived there Belongs to another person with same or similar name Identity theft I just need these XXXX addresses deleted as they are incorrect. The correct address is already correctly listed in my report. These are the XXXX that need to be deleted : Address : XXXX XXXX XXXX XXXX XXXX ( This should read XXXX, but as stated above, it is already correctly included in the report. ) XXXX XXXX, XXXX XXXX Address identification number : XXXX Type of Residence : Apartment complex Geographical code : XXXX Address : XXXX XXXX XXXX XXXX # XXXX ( This address is incomplete, and again, the correct address is already included in the report. ) XXXX XXXX, XXXX XXXX Address identification number : XXXX Type of Residence : Apartment complex Geographical code : XXXX I HAVE NEVER LIVED AT THE BELOW ADDRESS and after using the drop down option of " Never lived there before, '' the following message I received was to contact the creditor who provided this information. I do not know who the creditor is. 
Address : XXXX XXXX XXXX XXXX, XXXX XXXX Address identification number : XXXX Type of Residence : Single family Geographical code : XXXX
Product: Checking or savings account

I deposited an IRS tax refund check in the amount of {$4600.00} to my Chase checking account via mobile deposit on Friday ( XX/XX/year> ) morning around XXXX. I got an email from Chase that they accepted the check, but the fund won't be available until XXXX, which is 11 days later. I need my tax refund to pay expense asap, so I called Chase, which provides no reasonable explanation. One agent told me that Chase need to contact " Federal Reserve '' to verify the check. I then visited local branch for a resolution. The front desk of Chase local branch couldn't provide a reasonable explanation either, but asked me to wait. Totally frustrated, I called in Chase again at XXXX and asked them to cancel the check deposit because I'd like to deposit the check at another bank. Chase agent said they can not cancel the deposit because it's a check deposit by mobile app, then they direct me to some kind of expert line where I waited for XXXX min but no one answer. I eventually hang up and send a secured message to Chase to ask them to cancel the check deposit. Chase practice of holding a government issued check for 11 days is really unacceptable. Neither it provide a way to customer to cancel the deposit when Chase can not make the fund available in a reasonable time.
Product: Debt collection

I bought a XXXX XXXX XXXX XXXX from XXXX. XXXX on XX/XX/XXXX. They asked me about a trade in and I did a trade in of my XXXX XXXX XXXX. They left out the trade information on the purchase order and they also had me initial that I was unable to sue them. No one from XXXX. XXXX signed the purchase order also. I financed the XXXX car with Credit Acceptance and XXXX. XXXX said they would take care of the trade in. They gave me {$1000.00} for trading in the XXXX and on the purchase order they listed it as " deferred down payment ''. I only put down {$300.00}. The XXXX. XXXX  I worked with ended up closing its doors in XXXX and there was a list of complaints which probably resulted in them closing. Their address was XXXX XXXX XXXX, XXXX, CT XXXX. XXXX. XXXX is a franchise and there is still some locations open. On XX/XX/XXXX Credit Acceptance signed the release of my title for the XXXX. I believed everything was all set because they would not mail me my title unless the car was paid in full. Later when I viewed my credit report, I seen that I owed Credit Acceptance {$9300.00} as of XX/XX/XXXX. They attacked me stating they were going to garnish my wages if I didn't pay them. I took this discrepancy to court ; in which the judge ruled in their favor and I am now obligated to pay ( court order ) {$120.00} out of each pay check for a car that was traded in!
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding 15 USC 1681 Permissible Purpose of Inquiries on Credit Report Dear Sir/Madam, I am writing to file a formal complaint regarding the presence of inquiries on my credit report under 15 USC 1681 , specifically concerning the permissible purpose of these inquiries. According to the Fair Credit Reporting Act, a permissible purpose is required for inquiries made into an individual 's credit report. I have reason to believe that inquiries have been made on my credit report without a permissible purpose, and I am requesting documentation to verify the permissible purpose of these inquiries. 

I request that they investigate the inquiries on my credit report and provide me with the following information : 1. Documentation demonstrating the permissible purpose of each inquiry on my credit report, as required by 15 USC 1681. 

2. Verification that each inquiry is connected to an account that is explicitly listed on my credit report Following inquiries thats on my Transunion account without permissible purpose XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I request that they specifically connect each inquiry to an account that is present on my credit report and provide me with the documentation that was used to verify that I have an open account with the entities responsible for the inquiries. 

I believe that these inquiries may be in violation of the Fair Credit Reporting Act, and I am concerned about potential unauthorized access to my credit information. As a consumer, I have the right to ensure that all inquiries on my credit report are made for permissible purposes and are connected to valid accounts. 

I appreciate your attention to this matter and request that you provide me with a written response regarding the outcome of your investigation within the time frame specified by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : DEPTEDXXXX, DEPTEDXXXX DEPTEDXXXX DEPTEDXXXX DEPTEDXXXX, DEPTEDXXXX DEPTEDXXXX DEPTEDXXXXXXXX DEPTEDXXXXXXXX DEPTEDXXXX DEPTEDXXXX DEPTEDXXXXXXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX,
Product: Credit reporting or other personal consumer reports

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq.

Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XX/XX/XXXX SSN- XXXX Email- XXXX Phone- XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account that need to be removed XXXX XXXX XX/XX/XXXX {$890.00}
Product: Credit reporting or other personal consumer reports

I disputing the validity of this account from XXXX XXXX XXXX the account is hindering me from obtaining new credit. ive been denied several times because of this account. this account has been written off on XXXX XXXX XXXX XXXX  as a business write off. per the IRS publication XXXX this is now icon on my end. so if this is considered to be income for mw than why is being reported. my pay check isn't being reported so why this. I have to pay taxes on it and it's still reporting thats fraud on behalf of the furnisher XXXX XXXX XXXX. this also is a violation go y consumer right. 


XXXX, XXXX, & Experian have all violated my rights according to 15 usc 1681e and 15 usc 1691 I. please deleted this repossession of off my credit Ive given the car back come on guys what's up with all the fraud going on. this is secures fraud at its finest.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - I submitted a dispute with Experian inquiring that the creditor ( XXXX XXXX XXXX XXXX XXXX  ) agreed to remove a 30-day late payment dated XX/XX/XXXX from my report, attaching official correspondence. 

The Experian Report Number XXXX ( XX/XX/XXXX ) shows that the completed dispute DID NOT remove the XX/XX/XXXX late payment. Instead, Experian chose to fraudulently move the 30-day late to XX/XX/XXXX. I was NEVER late on XX/XX/XXXX and have attached the XX/XX/XXXX statement for your review. Please also review the attached Experian Report Number XXXX, showing that the 30-day late was moved from XXXX XXXX to XXXX XXXX. 

XX/XX/XXXX - I refiled another dispute stating that the 30-day late payment was never removed but instead moved to XX/XX/XXXX. I even called a specialist expressing my concerns, only to be brushed off, saying the dispute was already in process. This is ridiculous as he never bothered to take notes. 

XX/XX/XXXX - The completed second dispute ( Experian Report Number XXXX ) reflected that nothing was done with a message from an Experian Specialist stating, " DISPUTED ITEM NOT LISTED ON CREDIT REPORT. '' I found this baffling as Experian fraudulently moved the 30-day late from XXXX XXXX to XXXX XXXX and is now refusing to remove the 30-day late because it does not fall on XXXX XXXX anymore. This shows that Experian did NOT even read or acknowledge my dispute concerns on both the online dispute AND the phone call. If they had read my dispute explanation, all of this would have been quickly resolved. This ordeal has caused me so much distress as I can not qualify for an ideal interest rate for an upcoming mortgage due to the carelessness and abuse inflicted by Experian. 

I have attached both Experian Report Numbers from XX/XX/XXXX ( Report Number XXXX ) & XX/XX/XXXX ( XXXX ) for your review. Furthermore, I have also attached both XX/XX/XXXX & XX/XX/XXXX XXXX XXXX statements reflecting that I was only late for the month of XX/XX/XXXX. Lastly, I have also attached the official correspondence from the creditor " XXXX '' agreeing to remove the 30 days past due reporting for XX/XX/XXXX.
Product: Credit card or prepaid card

I issued a statement to the CFPB regarding Discover Card, to which they launched their own " investigation ''. Well, a shameful and despicable company investigating its own conduct is like me robbing a bank and then being put in charge of the robbery investigation! 

My initial case was assigned to XXXX XXXX, who is every bit as deceptive as this company. First, I have RECORDED CALLS of her saying that while this issue is in dispute, I would not be charged any late fees. Sure enough, I was charged late fees. Second, the " evidence '' she submitted had the wrong address on it, which was part of the initial complaint. Third, she said that the harassing collections calls from " spoofed '' would stop immediately, to which they didn't. I received another three collections calls from your spoofed numbers within a 48 hours period.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of my report. In accordance with the fair reporting act this creditor has violated my rights, under USC1681 sec 602 ; states I have the right to privacy. 15USC1681 sec 604A sec 2, also states a consumer reporting agency can not furnish an account without my written instructions, under 15USC 1666B a creditor may not treat a payment on a credit card account under and open and consumer creditor as late for any purpose. 


XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XX/XX/XXXX days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX {$520.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX {$420.00} XX/XX/XXXX {$1000.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XX/XX/XXXX {$260.00} XX/XX/XXXX {$610.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX {$110.00} XXXX individual charges for the same thing XX/XX/XXXX {$510.00}, {$200.00}, {$190.00}, {$190.00}, {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX pulled my Equifax report on XX/XX/2017. XXXX XXXX issued a letter on XX/XX/XXXX saying they would remove the inquiry. Equifax was provided a copy of the letter after 30 days went by and the inquiry not being removed. Equifax stated XXXX XXXX did not file the removal correctly and they can't remove with a copy of the paper letter so I am filing a complaint against both companies.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing regarding the ongoing inaccuracies related to the account in question, which has been disputed multiple times with all three credit bureaus ( XXXX, XXXX, and TransUnion ), as well as with XXXX XXXX. Despite my previous efforts, this account continues to be inaccurately reported across all platforms. 

My most recent dispute, under Confirmation Number XXXX, was submitted on XX/XX/year>. The investigation was marked as completed on XX/XX/year>. According to the results, the account information was " Modified, '' which inherently suggests that changes were made. This leads to a significant question : How can the information be simultaneously " verified as accurate '' while also being " modified ''? The two are logically inconsistent. 

Additionally, the account information reported by XXXX XXXX does not align with the data provided by XXXX and TransUnion, even though XXXX XXXX is responsible for reporting directly to these credit bureaus. This ongoing inconsistency demonstrates a clear failure in the credit reporting process. 

I have attached XXXX XXXX initial response to my first complaint, in which they claimed the information was accurate and verified. Yet, when I submitted further disputes with the credit bureaus, the information was once again modified without any resolution of the inaccuracies. This continued failure to provide accurate reporting highlights willful negligence on the part of XXXX XXXX and the credit bureaus ( TransUnion, XXXX, and XXXX ). 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of credit information, including XXXX XXXX, are required to provide accurate information to the credit bureaus. The ongoing misreporting and failure to correct the record after multiple disputes violates these statutory obligations. Additionally, I believe I am entitled to damages for each month this account has been inaccurately reported, as well as for each violation committed by the credit bureaus and XXXX XXXX. 

In light of the continuous inaccuracies over the past few years, I am prepared to settle this matter for {$5000.00}, an amount I consider to be a fair and reasonable remedy given the harm caused. This includes the removal of the inaccurate account from all three of my credit reports. If this resolution is not achieved, I am fully prepared to proceed with legal action, as my consumer law attorney is ready to take the necessary steps to seek the full remedies afforded to me under the FCRA until a satisfactory resolution is reached. 

I expect to hear from you promptly regarding this matter.
Product: Student loan

Mohela has finally updated me to the Extended Level Plan, BUT the monthly payment is incorrect! Right now they are saying I must pay {$300.00} per month for XXXX payments. They told me before it was just $ XXXX on the XXXX XXXX XXXX. I called back and they are telling me {$300.00} is correct and that {$240.00} was just an estimation. However, I took the interest rate of each loan ( XXXX loans total ) and calculated it myself, and I used the XXXX XXXX XXXX on Mohela 's own website. It is showing me that my total monthly payment across all XXXX loans should be $ XXXX over XXXX payments, not $ XXXX!
Product: Debt collection

I am a soldier in the XXXX XXXX XXXX, in 2011 while I was in training at XXXX XXXX XXXX I purchased a wireless hotspot from the telephone company XXXX. After I was done with training I PCS to XXXX XXXX XXXX where XXXX did not offer the option of a hotspot so I was able to cancel my contract under that fact and also under the SCRA Act ( Servicemembers Civil Relief Act ), without the penalty of a cancellation fee. This was not done even after the fact that i had fax in all the required documents. I have tried numerous times to resolve this issue with the debt collectors but they are not willing to accept just my military contract showing that i was stationed in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX 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 XXXX XXXX XXXX Balance : {$0.00}