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

I have been rebuilding my credit and I had 1 payment scheduled to a credit card company and I believe I was XXXX XXXX but had a spot me for XXXX needless to say the payment went back to the credit card company so again I had a scheduled payment to go out to so said credit card XXXX XXXX something else hit my account for a XXXX XXXX XXXX again the spot me didnt cover the charge and Now the credit card company has closed my card, that reflects very bad on me and my credit So now I have a card I have to pay and no card to use. This Banking institution advertises up too XXXX overdraft with qualifying deposit. My overdraft has never gone over XXXX. I believe that a XXXX deposit would cover me. But I have to push there products in order to receive what they offer.I have filed so many complaints because I have to fight for every dollar I get. This does show negative on my XXXX.
Product: Debt collection

I applied for XXXX XXXX  and was approved on XXXX XXXX and received an approval letter. Later the following week, I received a call asking for additional information and was told verbally that I was no longer approved after making personal and financial decisions to reflect that decision. At this point I had already paid the company XXXX dollars and was promised a refund within XXXX business days and email confirmation of my denial. Neither was received, in fact I was constantly calling and emailing trying to get confirmation and proof of everything because I found it very unprofessional and unethical to approve an application, deny it, and not provide a refund within the time promised. Fast forward a year later, this company is trying to say I owe {$440.00}. This is almost laughable and just disgusting that companies are even doing things like this to customers. How are you trying to come up with a debt that I DONT owe a whole year after not responding or even sending me a whole {$740.00} back. This is literally the most I can type right now because it's shocking that my information can even be sold without my permission, and no one does anything about these unprofessional, greedy, unethical companies.
Product: Credit card

Complaint/Consumer Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXXXXXXXXXX Business Information JPMorgan Chase & Co . 
XXXX XXXX XXXX XXXX, NY XXXX Complaint Summary Complaint Type : Consumer to Business Complaint Nature of complaint : Customer Service Issues Problem description : I have attempted to contact the company for about a month in regards to a dispute. I have used their secure message center like it is supposed to be used. However, every message that I send is responded back with the SAME EXACT response as the one before and they do not answer any of the questions.
Product: Mortgage

I'm XXXX and retired on XXXX. I've been having trouble with M & T bank for some time now. I will try to make this as short as possible. 1. A few years ago I had to file bankruptcy for my account with M & T. 2. Last year the bankruptcy was done. 3. M & T filed a sheriff sale on me. The amount they wanted me to pay to stop the sheriff sale and have my loan modified was the amount paid to them from the bankruptcy. 4. I received a phone call from a man identifying he was with M & T. He knew my account details and told me how much to send M & T to do the modification. 5. I sent the payments to the address, person, and made payable to M & T. 6. I made these payments for about 6 months and I then had a paper stuck on my mailbox from a realtor saying my home was in foreclosure. 7. I called M & T customer service in New York. After being on hold for quite some time the woman came back and told me I was going to be evicted because I didn't respond to the sheriff sale notification. I explained everything and she said there was nothing I could do. 8. I contacted the XXXX XXXX  XXXX and the referred me to XXXX XXXX XXXX and was assigned an attorney. 9. M & T denied any monies were ever paid to them from me or the bankruptcy. 10. I sent them copies of all my documents and money orders. My attorney also gave them copies. 11. The other day the sheriff served me with ejection papers, I contacted my attorney and he said that M & T has no intention of working with me. I asked to buy my home from them for what was owed on it but they don't want to work with me and my attorney said I might not have any options. 12. There has got to be something I can do to keep my home that my Dad built in the late 1950 's. Well that's basically my situation in a nutshell. I feel that M & T has been harassing me and lying to me for years. I'm not sure if that would fall under elderly abuse of any kind or not but I am emotionally and mentally fatigued and my health is going down hill over the worrying I'm under over this. I hope you can give me some advice or help so I can keep my home. Thank you and God bless, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, Pa. XXXX XXXX XXXX XXXX XXXX [ XXXX : XXXX ] XXXX
Product: Debt collection

Credit Control , LLC is a debt collector. We are trying to collect a debt owed to XXXX XXXX XXXX. We will use any information you give us to help collect the debt. 
Our information shows : You had an account from XXXX XXXXXXXX XXXX XXXX XXXX with an account number ending in XXXX As of XX/XX/2015, you owed : {$720.00} Between XX/XX/2015 and today : You were charged this amount in interest : + {$0.00}, Total amount of the non-interest charges or fees : + {$0.00}, correspondence@credit-control.com Credit Control , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX XXXX www.credit-control.com
Product: Vehicle loan or lease

Hello, I got a car loan from XXXX XXXX but they charged me twice when I contacted them they said that they refunded my money but there is nothing my account went to the negative amount after that I contacted my bank which is Chase bank to dispute one of they do nothing they are acting like scammers.I am tired of dealing big these liars. I need my money to pay other bills My Chase account number is XXXX XXXX account number is XXXX Total Amount is {$59000.00}
Product: Credit reporting or other personal consumer reports

FCRA Section 605C XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX, XXXX & Experian URGENT MATTER ( XX/XX/XXXXXXXX  ) Subject : Urgent Matter - Consumer Submission under FCRA Section 605C Dear Sir/Madam, I am writing to formally challenge fraudulent items on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). My name is XXXX XXXX, and my Social Security number is XXXX. I am also a victim of human trafficking, which has further complicated my financial situation and led to the fraudulent accounts listed below. 
I dispute the following accounts as fraudulent and request their immediate removal from my credit report : Unauthorized Fraudulent Accounts : 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 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  These accounts violate my federally protected consumer rights under 15 U.S.C. 1681, including the right to privacy and the right to dispute inaccurate information. If these accounts can not be verified, they must be removed immediately as per FCRA Section 609 & 611.

Please address this matter urgently. Failure to respond satisfactorily within 30 days may result in legal action. 
Sincerely, XXXX XXXX
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. 

XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
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 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 or 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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX - XXXX, XXXX- XXXX, XXXX XXXXXXXX, 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 with my written instructions.
Product: Student loan

Someone used my social security number and got a loan. I never had a school loan in my life. They had the email that the person used and when I told them mine, they started sending me email saying I owe them money which is XXXX  XXXX that nobody will help me and I've never ever got a student loan in my life
Product: Credit reporting or other personal consumer reports

Subject : Notice Of Dispute - TSIXXXX XXXX To Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account TSIXXXX XXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account TSI/XXXX XXXXXXXX. 
Original Creditor : Please clearly identify the name and contact information of the original creditor linked to this account. 
Original Open Date : Provide the precise date when the account TSIXXXX XXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account TSIXXXX XXXX. 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies. 

Failure to comply with this request within 15 days from the date of this correspondence will leave me with no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter as a formal notice of my intent to proceed accordingly.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit that I do not recognize or have open or closed accounts associated with these companies
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX I try to fix reporting on Equifax reporting on the payment history. And they stop reporting the fix Fair Credit Reporting act 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making this complaint myself, this is not a third party company making this complaint but me XXXX XXXX. I wrote the credit companies to have them remove accounts from my credit report that were not mine i included a copy of the police report showing that it was identity theft.
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report and noticed some inaccurate accounts reporting. 
XXXX XXXX XXXX Equifax 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 Equifax
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title XXXX USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they certainly do not have my written consent. All consent to XXXX, Experian and XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is REVOKED. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of the above-mentioned companys reporting services.
Product: Mortgage

On XX/XX/XXXX, we received an email XXXX XXXX, Mortgage Banker at Chase Bank, indicating that we were eligible for the Education Benefit Program, " United Guaranty 's Home Buyer Education '', and accordingly we completed the course on XX/XX/XXXX to earn {$500.00}. However, despite a confirmation email on our successful completion of the course and numerous promises by XXXX XXXX, including telling us on XX/XX/XXXX that we would receive the check in 7-10 days, we are still yet to receive the check. Furthermore, after numerous phone calls and stating that he was still checking on it but then we were informed that we were no longer eligible due to the amount of down payment despite completing the course months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the TRANSUNION Credit Bureau ONCE AGAIN that I was a victim of identity theft. I'm requesting to remove these UNAUTHORIZED INQUIRES from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) TRANSUNION CREDIT BUREAU must REMOVE any INQUIRES listed in Identity Theft. Once again HERE ARE THE LIST OF INQUIRES THAT I WANTED TO REMOVE! 

XXXX XX/XX/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 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

On XX/XX/XXXX I was contacted by XXXX XXXX who contacted my daughter to reach me. She stated I could settle 3 debts of XXXX XXXX and XXXX for XXXX. XXXX called today XX/XX/2021 and stated I only resolved one bill. This company use deceptive business Practices to obtain money. I spoke with XXXX XXXX who said I cant help you I dont have your file.
Product: Checking or savings account

On XX/XX/2020 I submitted a payment in the amount of {$25.00} via ACH transfer for my credit card payment. On XX/XX/2020 I noticed that there was a {$29.00} NSF Fee associated with my checking account but there was more than enough funds in my account to cover the payment. In addition, I have overdraft protection through my savings account which at the time also had roughly {$900.00} in it. 

Not only was I charged the NSF fee by USAA, but my credit card company ALSO charged me a bounced check fee and marked my account as past due. 

I
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX charged to my account {$270.00} which was unauthorized. I called and canceled trail period in time. Out of the blue with out notice they charged my card causing XXXX over draft charges at {$25.00} each. Putting the total XXXX XXXX owes is {$350.00}. I was forced to use them while applying for a loan. As soon as I was done I called and canceled the trail period for {$1.00}. This is a scam derived to charge people for services when they have been cancelled.
Product: Student loan

Nelnet is my student loan provider. I applied for the SAVE income-based repayment plan on their website as well as the government website on XX/XX/XXXX. It has been over 30 business days and they still have not processed the application. 3 weeks ago, I called, and after waiting over an hour, they said that it would be processed shortly and that never happened. 

This is causing me a significant hardship as my balance continues to grow due to interest. One of the benefits of the SAVE plan is that my balance will not grow as long as I make the required minimum payment. I have already incurred a significant increase in my balance due to Nelnet 's delay in processing my application, as it has been over 30 business days, or 5 weeks. 

I am just requesting that someone contact them and have them expedite my application.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code 1681 section 602 A. States I have the right to privacy.

15 U.S. Code 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. Code 1681c. ( a ) ( 5 ) Section states : no 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 information of convictions of crimes which antedates the report more than seven years. 

XXXX XXXX : Account XXXX
Product: Mortgage

In XXXX we received our XXXX from US Bank, and filed our taxes. In XXXX we received a corrected XXXX although it matched XXXX received in XXXX. On XXXX XXXX, 2016 we recieved letter stating both XXXX were incorrect and we would receive a corrected XXXX in XXXX to 15 days. On XXXX XXXX day XXXX from letter I called and was told they had still not been done and they would be mailing soon. Although no date has been set. In addition US Bank had been overcharging us on XXXX XXXX Taxes. I called to have our file reviewed and 3 times they closed or went past due date to refund us our overage in our Escrow account. It took many calls and each time they danced around and are still holding over a 2 month cushion in my Escrow account. They keep saying they are holding 2 months extra of Homeowners Insurance. They do not pay that, we paid for one year in our closing and pay out of our own pocket each XXXX. Morally this company is holding overages on Escrows, not responding or mailing out forms in a timely manner. We will have to refile our taxes and yet ca n't even seem to get our corrected XXXX. Please help the customers of US Bank I am sure I am not the only XXXX they are doing this too. They need to be investigated and audited. 

Thank you XXXX XXXX
Product: Credit card or prepaid card

6 years ago they told me a account was in my name and my info. They said the amount the account had on it was  XXXX . I tried to report it as fraud but they would n't do anything about it. They have a address on file that I would not have used since I had a bank account at that time.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXXXXXX XXXX XXXXXXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the XXXX XXXXXXXX XXXX XXXXXXXX 's customer service representative. I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX