23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

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

On XXXX XXXX I booked a round trip flight from XXXX  XXXX flight number # XXXX. I upgraded my seats with this flight. I then cancelled the flight the same day XXXX XXXX. This cancellation was within the XXXX hour cooling off period ( XXXX XXXX ). On XX/XX/XXXX XXXX I contacted Goldman Sachs to dispute the charges on my account for the upgraded seats that I purchased. They then asked for additional documentation which I provided. A dispute was opened for 4 different charges. 2 for {$63.00}, 1 for {$460.00} and 1 for {$430.00}. They still only disputed 3 of the 4 charges. I called XX/XX/XXXX to see status of dispute and spoke with XXXX and tried to get them to open dispute for all for charges but they kept misunderstanding and only disputing 3 of them. XXXX got the documents via chat and confirmed they got the emails and they will reach out. I again got an email that they needed further documentation. I contacted them again on XX/XX/XXXX and spoke with XXXX to find out what is happening and why they closed the dispute and they said that I did not provide the information they needed to continue the dispute. I then told them that I did and am not sure why they closed it and put the charges back on my account. I asked them to again open a dispute for all 4 charges and they did open a dispute again on XXXX again they only did it for 3 of the 4 charges. they also stated that they had all the documentation that they needed. I just contacted them again today XX/XX/XXXX to see why this is taking so long and they are again saying they don't have all the documentation they need, which is false because I verified it with several different reps to make sure it was there. I emailed it to the emailed provided and I also attached the documents in the chat that I had with Goldman Sachs rep. They assured me they had everything they needed I have tried repeatedly to get this resolved but can't seem to get anywhere with anyone at Goldman Sachs. The dispute number that I got back in XX/XX/XXXX is : XXXX. As of now they said I still had to wait for resolution. I know they gave me a provisional credit for the 3 disputes but they are holding up part of the my available credit because of this dispute and lack of resolution and I would like them to get this taken care of. It has been almost 4 months of back and forth.
Product: Debt collection

Received a letter in the mail dated XXXX XXXX, 2022, my co-signor on the private student loan received the same letter stated that my student loan was in default and need to be completely paid. by XXXX XXXX 2022 or lawsuit would start. The address on the return address does not exist according to XXXX XXXX, nor does the company name seem to exist. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX My loan is serviced through XXXX and I have contacted them. XXXX stated that they are not foreclosing on my loan and have no information about this letter. The original loan was with XXXX XXXX XXXX XXXX XXXX, c/o JPMorgan Chase Bank XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX they referred me back to XXXX. Do you know if this is a scam to try to get me to pay full amount of the loan.
Product: Mortgage

My FHA home mortgage loan has a loan to value ratio of 44 % but the bank will not remove the mortgage insurance.
Product: Checking or savings account

Account : CHECKING XXXX Subject : BANK ERROR : -- REQUEST FOR OVERDRAFT FEE REVERSAL Acct - Checking-Ending ... XXXX { XXXX } XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX / RE : Request for fee Reversal of overdraft charges As of today 's date : XX/XX/XXXX OVERDRAFT ITEM FEE FOR ITEM {$540.00} XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX as Date XX/XX/XXXX Amount- {$36.00} Running Available balance- {$69.00} total overdraft fees ( - {$72.00} ) dollars I XXXX XXXX, herein submit this message to the Florida Office of Financial Regulations and SunTrust Bank, Inc. customer service . And give notice to the account holder XXXX XXXX, Declined Overdraft Coverage and Protection Service Agreement .. Effective Date : XX/XX/XXXX. 





Wherefore, on the date of XX/XX/XXXX, ..and XXXX, XXXX. SunTrust has repeatedly allow the account to be overdrawn. And assessing overdraft charges against my account. Even after being notified of my lack of interest in the OVERDRAFT COVERAGE AND PROTECTION SERVICES, that they currently offer. Furthermore, it is my belief, that SUNTRUST, opted to delay the processing of the XXXX Electronic | ACH Bill Payment. The transaction was setup sometime in the late XX/XX/XXXX. At which, was scheduled to be debited|withdrawn on XX/XX/XXXX. However, SUNTRUST causing the account to be overdrawn ; by giving priority to other transaction items, thus forcing the account to.incurr these deliberate financial discriminating bank fee charges. 





SUNTRUST RESPONSE : If the overdraft fees of {$36.00} dollars, are not paid within a specific time frame. And an additional extended overdraft fee charge of {$36.00} dollars, which was automatically applied on XX/XX/XXXX. Furthermore, I have also request for a fee reversal, of the current overdraft charges, in the amount of {$72.00} dollars. That has been assessed against my account. the status of my inquiry is unresolved .... 





Respectfully submitted By XXXX XXXX SUNTRUST BANK , INC. | OVERDRAFT COVERAGE AND PROTECTION SERVICE ACKNOWLEDGEMENT AGREEMENT Update your preferences regarding Overdraft Coverage for the selected account. Overdraft Coverage allows the bank, at its discretion, to authorize and pay transactions on ATM and everyday debit card purchases in situations where you have inadvertently spent more than your available balance. Overdraft Coverage & Protection. 





Effective date : XX/XX/XXXX I had Decline Overdraft Coverage overdraft Coverage, for the specified account ( s ), and disagreed to the Overdraft Coverage as outlined in the Overdraft Coverage Notice. The NO selection indicates that you have declined Overdraft Coverage for the specified account ( s ). There is no charge for accepting this service.

However, if you have accepted Overdraft Coverage and have a transaction that is in excess of your available balance, you will incur a fee of {$36.00}. 








As of today 's date : XX/XX/XXXX OVERDRAFT ITEM FEE FOR ITEM {$540.00} XXXX XXXX ONLINE PMT CKXXXX XX/XX/XXXX XXXX as Date XX/XX/XXXX Amount- {$36.00} Running Available balance- {$69.00} total overdraft fees ( - {$72.00} ) dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Checking or savings account

Chase closed my account randomly!! When I call to find out all I kept getting is no one seems to know.. I went into a Branch in XXXX SC and the rep keep yelling my info across the branch with customers in the branch!! .. He didnt even. Verify my address or anything he waited until he told me my account was closed to ask me My address while holding my Driving license in his hand. I asked the manager why is he yelling my information out. she stated social distances. This same rep had no problem helping other customers without mask and said nothing to them about social distancing. Meanwhile my money is hold and i was advised I had to wait WEEKS for my money!! And no explanation as to why my account is closed
Product: Credit card or prepaid card

I called to inquire about *the possibility of* a product change ( downgrade ) in XX/XX/XXXX. During that call, I decided against downgrading, told the representative that I was not going to downgrade, and hung up. However, when I checked my account a few days later, I had been downgraded, so I called customer service to re-establish my prior product. They told me that nothing would change as a result of this. 

However, I have not received my {$300.00} travel credit that is part of my product ( Chase Sapphire Reserve ). I usually receive that in XXXX of each year. I received it in XX/XX/XXXX, but have not received it in XX/XX/XXXX. 

Chase has charged me the {$550.00} for the yearly fee, but has not provided me with the {$300.00} travel credit that is sold with the product. 

I have had to call and talk to a representative XXXX separate times over the months since I found this error, and every time they " escalate '' the problem to the correct team. Every response I then receive does not answer my underlying issue, nor applies to my account the {$300.00} travel credit.
Product: Credit reporting or other personal consumer reports

I asked for legitimate documents to prove the appearance of these items in the credit report. 

US DEPT ED - XXXX XXXX XXXX XXXX XXXX XXXX, US DEPT ED - XXXX
Product: Debt or credit management

My complaint is on a company called lending tree LLC, this company is constantly on my XXXX account becouse I tried to get a loan through them 3 or 4 years ago to buy a house, I was denied that loan becouse of my credit report, and they have been on my XXXX account leaving messages for me to get approved for a mortgage loan, personal loans, and whatever other kinds of loans the offer and promoting different ways to get financial assistance for my business and personal loans needs but every time I try for a loan through them they turn me down, why do the keep asking me to apply for a loan when they always turn me down. You would think that they would Finnaly stop sending me invettations to apply if they are just going to turn them down, they have sent me 6 invettations to apply for a loan in the last couple of days after turning me down for a loan a week ago, then they suggest you apply for less money, and then turn you down again and so on and so on!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not correct information for my XXXX XXXX accounts although the company has written a letter stating the changes are to be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a XXXX XXXX in XX/XX/XXXX at XXXX XXXX XXXX with XXXX XXXX as the loan company. Payments were made on time and did not have any issues with them for the duration of the lease. I decided to upgrade my vehicle in XX/XX/XXXX with XXXX XXXX XXXX because they offered to pay over mileage, the 2 remaining payments and the disposition fee which totaled {$1800.00}. XXXX had someone come to pick up the XXXX about a week later. In XX/XX/XXXX I received a bill for {$1000.00}. I called and spoke to a representative to let them know I was responsible for {$580.00} which was the car tax that I know I owed to them. Also, that there was no way there was {$480.00} worth of damage on the vehicle as there was only minor wear and tear. The representative tried to offer me a discounted rate of {$820.00} which I declined because I did not owe them that much money. In XX/XX/XXXX I found out that the payment that the dealer sent was misapplied and they would not apply it correctly. I then reached out to the XXXX XXXX XXXX  because I was being treated unfairly. I realized that XXXX XXXX is known for overcharging and treating customer horribly at the end of their leases. The car dealership even told me they stopped doing business with them because there is always end of lease issues with XXXX and it has caused them to lose customers. I was dealing with the XXXX XXXX XXXX  to try to get this situation handled and i noticed that XXXX started reporting me late on my lease even though i have always paid my lease on time. The lease was up in XX/XX/XXXX and they reported me as late in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and my credit took a 50 point dip. Working the the XXXX  a XXXX representative offered a settlement of {$200.00} and if I paid it that the negative items would be removed from my credit report. So, even though i did not feel that I owed them that much money I paid it so that my credit could be restored. About a month later I noticed my credit score had not changed, so I emailed the representative to ask her when the negative items would be taken off my credit report and found out that they cashed the check but had not applied the payment. They then applied the payment to my account and my file was updated not paid in full and still had collections on it. I disputed the file about 4 times and not it shows that i have 2 accounts with XXXX, one that shows that the lease was paid on time from XX/XX/XXXX-XX/XX/XXXX and another that shows paid, was a charge off and is negative XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. So my credit is still jacked up and XXXX did not live up to their part of the deal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX 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: Credit reporting or other personal consumer reports

I have asked multiple times to have child support accout closed. a few times i have spoken to XXXX  dept of social services and they have comfirmed the account being closed and have sent me proof. Experian refuses to remove it Even with me submitting documents to prove case closure and XXXX dept of social services says they sent electronic notice of closure and there is nothing else they can do. Experian says account verified and it's not because of they call them as i did XXXX  dept of social services will tell them accout closed in good standing.
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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries. 

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

My credit report shows an account with amount past due more than 150 days. 
The account is of XXXX. 

XXXX ) When connected with XXXX as well as Experian, I was informed that I had used the card in XX/XX/XXXX- where as I left USA in XX/XX/XXXX and have returned back in USA on XXXX XX/XX/XXXX. I wasn't in the country when they are claiming that I had used the card. How can I use the card? 

XXXX ) when was the credit card applied and issued? 
XXXX ) which documents were submitted for card application? 
XXXX ) were the submitted documents / mobile number verified? nowadays due to digital anyone can create fake documents. 
XXXX ) which products were purchased and how? ( instore OR online ) XXXX ) was it delivered? if yes, then where - share the address and proof of delivery ( XXXX or USPS or XXXX or etc... )? 

Please share photocopy of all the above documents. 

Since XX/XX/XXXX, I connected multiple times with Experian as well as XXXX rewards cards, and also gave them all of my details including SSN number, Name, all previous addresses, phone numbers, etc as they werent able to pull up my account with only SSN number. still, no positive update. 

In my life I have never unpaid anyone for which I am liable ; also, I do NOT wish to pay anyone for which I am NOT liable. 

This is a pure case of charges imposing on wrong person - whatsoever the reason may be. 

I request you to please look into this seriously. People like me trust the CFPB authorities to get the honest solution. 

due to this my credit score has been impacted badly and my insurance cost and all others have increased drastically. Even my bank is not willing to give me credit card. I am okay to continue without credit card but looking for serious justice and compensation for this harrassment. 

According to me I dont have any relation/ transactions with XXXX XXXX XXXX / XXXX and hence there is nothing that i can upload. also, hence the claimed charges are null and void.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made an online purchase at XXXX using my store card on XX/XX/2019 and subsequently returned some items from the order within the same month. The balance on my card was not updated correctly to reflect the return and interest was applied to the amount of the returned item. That amount was not paid because I contested it with the credit card company and later a penalty was applied for not paying the interest. They inevitably reversed the amounts when they looked into the charges meanwhile they reported my payment history as 60+ days late in XX/XX/2019 and reduced my credit line. First of all it is impossible to be 60+ days late when not even 60 days could transpire between the purchase date and the month of their reporting. Second of all I was never late as the amount was never owed. Several attempts to resolve with the company have yielded zero results.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report from XXXX Equifax and XXXX credit bureau I notice three credit card companies on my report that I did not authorize nor do I have knowledge of inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer repo prepares a consumer report, it shall follow reasonable procedures to assure the possible accuracy of the information concerning the individual about whom the relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In after any reinvestigation under paragraph ( 1 ) of any information disputed by a c an item of the information is found to be inaccurate or incomplete or can not be verify the consumer reporting agency shall- ( i ) promptly delete that item of information file of the consumer, or modify that item of information, as appropriate, based on results of the reinvestigation; and ( ii ) promptly notify the furnisher information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX accounts immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my Name placed on the Early Warnings list for Fraud by XXXX  XXXX XXXX, for years I have been battling Identity theft. Each time I open an account with my information its get closed because they person that stole my information is able to get into all of my stuff, I recently had that same person hack my email so any information I get or any identity theft protection I use. the theif is able to get into my email and unblock any attempts I use to keep my stuff from being used. now that my social is all burned up I can't open any account in my name. I have been placed into XXXX XXXX and Early warnings because of this and I'm left fighting to get my life back after the low-life that stole my information is done ruining things for me. it is extremely upsetting because no matter how many reports or complaints I make. the Authorites just keep telling me that they don't have enough information to go on. I just want my life back, I want to open a normal bank account without having to get my checks direct deposited to XXXX XXXX which is hacked every other week. This is nerve wrecking. criminals get away with this XXXX ( excuse my Language while hard working people like myself are left trying to repair the damages. I NEED HELP, I WANT MY LIFE BACK WITH A STABLE BANK ACCOUNT.
Product: Mortgage

I attempted to refinance my mortgage with Chase recently. As I recently started my own business Chase underwriting would not recognize my business income and so they required that I add my father as a cosigner on the mortgage. Chase added a number of requirements to the mortgage only AFTER they received my good faith payment, the most important of which was that my father be added to title for my home. As I live in a XXXX coop that would mean adding him to our " stock and lease '' which is a long and involved process which would require thousands of dollars in legal fees and makes the refinance no longer economically viable. After Chase confirmed this was a absolute requirement we stopped the process - I won't be refinancing at this time. However, Chase is refusing to return my {$500.00} good faith payment. 

My understanding is that part of the issue with returning the good faith payment is that the appraisal was completed before cancelling the process and Chase may be claiming they need to keep the funds to pay for that -- however, this is not explicit, I've mostly received silence from Chase in attempting to recoup the money. At the time the appraisal was carried out, I had been told in writing by Chase that the refinance could proceed without altering the stock and lease so I contend I am owed the full good faith payment in return as I was acting in good faith in allowing the appraisal to proceed. 

Here is a brief timeline, document confirming this are attached : -XX/XX/2020 : good faith payment collected -XX/XX/2020 : first time title change ( stock and lease ) requirement is ever mentioned to me. This is debated back and forth over the following days. 
-XX/XX/2020 : Chase confirms that I can proceed with NO CHANGE to my stock and lease. I allow appraisal to proceed on this basis. 
-XX/XX/2020 : Appraisal completed. 
-XX/XX/2020 : Chase writes to me saying they WILL REQUIRE the change to stock and lease. Shortly thereafter, I tell them I do not wish to proceed and I ask for return of my good faith payment.