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

On this date XX/XX/2024 I called Discover Bank about a recent transaction that was approved on my checking account for {$350.00}. I wanted to cancel that transaction because I did not want it approved before I could change the amount and payment date. I simply got too preoccupied and let this task slip my mind. When I saw that the funds were taken from my account, I called discover around XXXXXXXX XXXX to see if it was possible for them to cancel the transaction of {$350.00}. They told me since the transact was authorized by myself ( it was ) and that I simply forgot to cancel it beforehand, that I would have to call the merchant that the payment went to. I called the merchant, which was XXXX, a leasing/loan company, and they told me over the phone at around XXXXXXXX XXXX. that they would in fact cancel the transaction and I would have the {$350.00} back in my account within a few business days. Later that night at around XXXXXXXX XXXX, I get a notification from the discover app that my account was suspended due to pending closure. I called discover customer service and was told that my account, which still had funds in the amount of {$380.00} in my checking and about {$190.00} in my savings, was being closed due to recent activity. I explained that any and all activity on my account was authorized by myself and I had not reported any suspicious or fraudulent activities on my account. I was then told that any funds remaining in my account could be transferred into an external linked account, which did not work, and I am unable to link the account to any of my other accounts due to it being inactive. I was then told that I would have to wait 10-15 days after my last deposit for a check of my remaining funds. When I called back around XXXX XXXX to see if its possible for them to link an external account or if I could get another bank to transfer the funds into a new account, I was told that I would have to wait for the check. This is a huge inconvenience and extremely frustrating situation. I had no warning, no type of communication whatsoever that this would happen. The very least they could have done was made it so that I had time to withdraw my funds before they closed the account. This is extremely disappointing and unprofessional and I will not be using discover or any online banking service again. I have had way to many issues and problems with these banks and there poor customer service.
Product: Credit card or prepaid card

I am a victim of identity theft. The Fraudulent Activity happened on XX/XX/2016 with a balance of {$6300.00}. I left my car open in a public place then I lost my bag with my cards and Ids inside it. Someone who has taken my things took advantage of and made this fraudulent account under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that the new account was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$0.00}
Product: Credit card

After accumulating points for 7 years at capital one when I went to redeem them they told me I had forfeited my points because they had ended the program and I had not redeemed them in time.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXXXXXX XXXX, Account Name : XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXX, Account Name : US Dept of ED/ XXXX XXXX XXXX Account Name : XXXX XXXX XXXX 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 an 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, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA XXXX and TransUnion are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove the file. XXXX XXXX XXXX XXXX : {$1600.00} ; If XXXX and TransUnion feel there is a possibility the account belongs to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If XXXX and TransUnion do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Bank account or service

I opened new accounts at Chase bank on XXXX/XXXX/2015 and the next day, I closed my account with XXXX XXXX XXXX and made cash deposits of {$6000.00} ( {$3000.00} into my Chase Checking Account and {$3000.00} into my Chase Liquid Account ). 

At a point between XXXX of XXXX/XXXX/2015 and XXXX of XXXX/XXXX/2015, there was a break in at my home and valuables were taken. This matter was reported to the XXXX XXXX on XXXX/XXXX/2015 with report number XXXX. 

I was n't sure if I lost my wallet which had my chase bank cards while I was out, or if it was taken during the break in. 

On the morning of XXXX/XXXX/2015 I could n't find my wallet. I checked my account online and saw that there were unauthorized transactions on both my checking and Liquid Accounts. Then, I went into a branch, same branch where I opened the Accounts, by my house. 

My transaction summary was printed for me at the branch and the Manager of the branch called the back Office on my behalf, and a claim was filled, on XXXX/XXXX/2015 and I was told to wait 1 to 2 business days, for my account to receive provisional credits in the amounts been disputed. 

Today is monday, the 3rd business day. I have n't received any provisional credit from Chase bank, as it is a bank that deceives customers. 

Chase has clamored that the reason for the delay is because it 's a new account. But let 's not forget I knew it 's a new account too, when I closed my account at a strong bank and deposited large amounts into a " new account ''. Nobody knows my pin, the Merchant would not talk to me. I was told to talk to my bank. So what am I expected to do? 

I urge chase bank to honor the words of its members of staff, and issue me provisional credit for all disputed transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX accounts on my credit report that do not belong to me I have not applied for these or signed or used these I disputed these with the bureaus starting XX/XX/2020 and opened an FTC for these accounts but nothing has been done to help me out in order to remove these from my account. 

XXXX XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX Acct # XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX Acct XXXX XXXX {$0.00} XXXX XXXX, N.A.- Acct # XXXX {$0.00}
Product: Money transfer, virtual currency, or money service

Someone XXXX money to me then turned around and filed a claim against myself. They asked me to pay a friend and to did then filed a fraudulent claim against me. 
spoke with the bank about several times in XXXX and XXXX and they said I was liable to pay {$1800.00}. 

I paid XXXX to Wells Fargo and they blocked my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Myself XXXX XXXX XXXX was looking at my XX/XX/2022 consumer report and seen multiple credit inquiries I did not authorize and believe to be fraud, experian states that they verified these inquiries but have failed to provide proof or evidence of such investigation to myself the consumer violating my rights to privacy and rights to fair and accurate credit reporting by experian, attempts by myself to resolve this matter with experian outside of a court of law have been unsuccessful and shows experian is being willfully noncompliant and negligent in this matter by continuing to break laws set in place by Congress to protect consumers and allow for accurate credit reporting under the Fair Credit Reporting act. Immediate attention is needed in this matter.
Product: Mortgage

I lost my job XX/XX/XXXX of 22yrs my mortgage was {$1000.00} monthly my mortgage increase to XXXX monthlyXX/XX/XXXX. I called my mortgage company in XX/XX/XXXX to talk about this HUGH INCREASE OF MY MORTGAGE. I was told that there is nonething I can do about the increase after the lost of my job in XX/XX/XXXX I had to paid my monthly mortgage of {$2000.00} and live off of my 401-K I had fallen behind in my mortgage XX/XX/XXXX. I called my mortgage company every month to discuss my finances I had no income coming in I was told I had to be at least 3 months behind before I could apply for a loan modification. I finally was able to apply for a loan modification in XX/XX/XXXX I was denied because of debt to income ratio I was advised to reach out to ( HUD ) non profit organizations I contact XXXX for help and couseling talked about finances got a buget put together they are my Representative for my modification I was turned down again for the exact same reason debt to income ratio the same reason as my first denial by my mortgage company ( PennyMac ) I was mailed out a denial letter before my Representative with XXXX contact them.
Product: Credit reporting

I mailed a dispute request to Experian Credit Bureau with last XXXX of my social security number typed with state issued picture id and check stub and was told that my social security number was illegible and to resend all the info that I had already provided.
Product: Student loan

I submitted a refund request with them XX/XX/26, hours after they announced the refund policy for student loans. Due to their fault, I was told that there was an error in the previous refund submittal, and they would need to process this XXXX. I have called numerous times and have gotten no clear update as to when I would be receiving the money that is owed to me. I, and many others are very frustrated with this process. I would like to receive my refund as soon as possible.
Product: Credit reporting or other personal consumer reports

While checking my Experian Credit Report, I noticed two pieces of information which are fraud and incorrect. Following are the two : 1. Address- XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX Also, while checking my Experian Credit Report, I noticed two pieces of information which are fraud and incorrect. Following are the two : 1. Address- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 2. Address- XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2020 GRANT MERCANTILE AGE added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and charged off and i am no longer responsible for the account. debtor creditor did not verify this account. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA GRANT MERCANTILE AGE has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous complaints against XXXX, XXXX and Trans Union for Unauthorized use of my Information. All credit Reporting agencies have been notified numerous times. Noted by CFPB numbers XXXX, XXXX, XXXX and other complaints. XXXX XXXX  Account Number # XXXX no info available, TransUnion has not obtained proper information as according to 15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Nor has XXXX  obtained proper information ( XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ), as according to 15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
Late Payments listed from XXXX XXXX, XXXX XXXX  and XXXX list late payments as 30 days then 120 days etc. No intermediate times listed. All late Payments from all Credit Reporting agencies shouls be deleted.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Inquiries should only be 4 for all credit bureaus, however Experian shows 10.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute for the following companies below. I asked that these companies validate my debt and send me the results of their validation. These companies did not fully investigate my company nor did the following creditors state information that gives them legal grounds to report my on my credit with invalid information. I have also asked these reporting agencies to remove XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX Texas XXXX because this address is not associated with me. Please remove this inaccurate information. 

15 USC 1692g : Validation of debts states ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer 's right to dispute the debt or request the name and address of the original creditor. 

Please remove the following companies off of my credit or I will be forced to sue in small claims court. This is a violation of my consumer laws and I am entitled to funds for the misuse of the law. 

XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX XXXXXXXX XXXX # XXXX
Product: Credit card or prepaid card

Chase reported ( 1 ) one fraudulent charge on my card and asked to review three months of statement to pick out and charge that where not made by myself ( or other family members ).

Going back I found over {$5000.00} of charges for that period ranging from just a few dollars to $ XXXX {$500.00} at several grocery stores in the area. 
I notified our local authorities regarding all purchases made locally, however because of the area within our State of other purchases the number of jurisdictions spans over 15 local and State Police departments. 
Chase is unwilling to produce any information or relevant documentation about their investigations. They ask I take up the responsibility to investigate ALL fraud with the store ( s ) via local authorities and to forward any information to them when it becomes available. 
I feel helpless not understanding what ( if anything ) they found and their unwillingness to participate in the investigation. They have complete control over this issue and I'm being ignored when making any further attempt to resolve this issue.
Product: Credit card

I have a credit card from Best Buy Citi bank, they had charged me, {$29.00} dollar for late feed, that is too much. and now increase to {$40.00} dollars. I was paying late fee a few months. when I call to ask for the day that I have to pay they was telling me on the XXXX but I realized today that the payment day was on XXXX they were telling me about the day for the end of the period, and also, I was requesting a new card, because me card was expired since XXXX XX/XX/24. But the bank never sends me the new card. Today I was calling them, and they tell me that they will send me the card in 2 days. I didn't receive any letter that inform me about the charges of the late feed and the increased of XXXX dollars. I think is a new regulation made by the president regarding the late feed amount. 
Thank you for the attention to this message.
Product: Debt collection

Radius Global Solutions sent me a letter stating I have an account balance of {$970.00}, and they would like to settle for {$680.00}. I do not recognize this debt and debt does not belong to me. They stated it was from XXXX  XXXX XXXX  from XXXX. I received a call asking to verify my name and last name, and I stated I was not going to release personal information over the phone. They then proceeded by saying that they will be taking me to court if I don't pay, when they hadn't even verified who they were speaking to. Was a very unprofessional way to speak to me, please remove this immediately!
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must remove the following accounts from my file. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX