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

On XX/XX/2023 I deposited a check from XXXX XXXX XXXX in the amount of {$7700.00}. When I deposited the check my account balance became {$8200.00}. Chase Bank deemed the check as fraudulent because they were unable to verify the check through a XXXX party company and closed my checking account ending in XXXX on XX/XX/2023. They ( Chase Bank ) sent me a check for {$550.00} instead of the {$8200.00} which was my account balance at the time of closing. On XX/XX/2023 I met with the XXXX XXXX XXXX about the above stated concerns. She spoke to the President of XXXX XXXX XXXX XXXX XXXX and XXXX verified that he endorsed the check, the Chase customer service rep told the bank XXXX that she could not use that as verification and she did not provide a reason as to why. My Chase checking account has been closed since XX/XX/2023 and they ( Chase Bank ) has yet to release my funds. I`ve called Chase on numerous occasions and I still do not have answers nor have they provided me with a legitimate reason why they have not returned my funds.
Product: Debt collection

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing 1XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Bal : {$300.00} 2. XXXX XXXX XXXX  Account Number : XXXX Bal : {$1100.00} 3. XXXX Account Number : XXXX Bal : {$1000.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Product: Debt collection

I understand that there is a balance with    XXXX   XXXX    regarding my company account. I had lost contact with them regarding this, and they submitted the balance over t o US Impact Inc.   <P/> When  XXXX   XXXX  from  US Impact reached me  the first time, the call went fine, up until the very last few moments where she started to get rude and made a rude comment. This was the first issue.  <P/> She proceeded to reach the  manager of m y company and was rude and threatening to her.  <P/> I contacted    XXXX   XXXX   abou t the issue, they confirmed that US  Impact was in fa ct who they sent the bill to. They gave me the contact information for  XXXX .  XXXX   XXXX  has been very nice and communicative on the phone. I am MORE THAN HAPPY to deal with them directly as I do not want to further jeopardize my relationship with them. However, for this particular bill, they are at a standstill since it has already gone t o US Impact.   <P/> My concern is that  XXXX  fro m US Impact Inc has  violated several rules. I 've asked her not to call my cell phone during business hours, and she proceeds to. Today when I had a moment to answer, she straight out LIED about any agreement between  XXXX   XXXX   XXXX  and  US Impact. She sta ted that the  manager o f  XXXX   XXXX   XXXX  confirmed with her that there was an agreement fo r 3 payments. This was NOT the case, nothing was agreed upon. She was EXTREMELY rude to me, and then wh en she called  XXXX    ( the manager ), she was rude to her, lied to her as well, and was harassing on the phone.
<P/>  I understand the need to collect on a debt, but being threatening, rude, and uncooperative does not solve anything.    XXXX   XXXX   XXXX   Acc ounts  Receivable de partment has been extremely nice about it, b ut US Impact has gone above and beyond being cooperative.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX closed the account around XX/XX/XXXX and charged me several ETF fees for lines that I never signed a contract for. I've contacted XXXX, they say contact the collection agency. I am not interested in dealing with a belligerent collection agency. 

I've disputed the results with all 3 agencies. Experian is just closing the dispute with no additional information. They are now refusing to open a dispute despite never providing me any information on this account. I'm waiting on responses from XXXX and XXXX. 

Experian dispute report # XXXX. 

Here is what is wrong : The amount is incorrect by a significant amount, at least {$1000.00}. 
The account reports opened in XXXX. I have not had an account with XXXX since XXXX of XXXX. 
It somehow reports that payments were due and have been missed. Again, I have not had any account since XXXX. 
I don't even know if this is related to my actual XXXX account or if it is somehow someone else 's account. Nobody will tell me anything.
Product: Credit card

USBankcorp issues the XXXX card, which part of the benefits they provide for the varying Annual Fee is a Bonus Award Night on any award stay of 2 nights or more. Today, XXXX XXXX, USBank and XXXX XXXX have removed that benefit effective XXXX XXXX, though their XXXX website is still showing this as a benefit of the card. 

I recently applied for the card and was approved on XXXX XXXX, I applied specifically because of this benefit and will not actually be able to receive the benefit that was offered as it takes USBank and XXXX 4-8 weeks from the time of the account opening to give the initial bonus points on sign-up and consumers are given 90 days to earn the additional bonus points, this is beyond the less than 2 months notice provided by the card of the change. 

I contacted USBank to ask them if they were waiving the Annual Fee or pro-rating the Annual fee due to this significant change to the product ; I was told that they will not. 

This amounts to bait & switch, both companies advertised a product with specific benefits to get me to sign up for this credit card ( a product they are still advertising with no notice the benefit will end on XXXX XXXX, which shows intent to defraud customers while continuing to gain new applications ), have a Credit Report pulled ( which stays on my credit for 2 years ) and then shortly there after, removed the advertised benefit while still expecting me to pay for the new lesser product which I am not interested in.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX, i contacted XXXX XXXX. regarding there ability to not update Equifax about the debt that is not belonging to me. I spoke to XXXX a Representative, then spoke to Supervisor by XXXX, in which she in formed me they had removed this debt and sent info to the credit reporting agencies. On XX/XX/XXXX i called back and spoke to a rep XXXX, and let her know i never received the letter in the mail, the letter they were supposed to send to me regarding the removal, XXXX on my credit reports. on XX/XX/XXXX i faxed over a copy of a police report # 2018-02962, regarding my identity theft, along with a letter requesting removal and a copy of my security card to equifax at 1888-826-0598 from XXXX XXXX at XXXX from fax # XXXX store tel. # XXXX Ser # XXXX. this is the conformation that the faxed had been received. This Creditor along with as follows : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. has not been properly removed or updated wtih equifax or XXXX but had been updated and removed as of XX/XX/XXXX with XXXX credit bureau. on XX/XX/XXXX i spoke to Deputy XXXX XXXX ( XXXX ) XXXX-XXXX ext XXXX with the XXXX Ohio Sheriff Department whom was present when a call was placed on speaker with XXXX, in which the representative, XXXX stated they will remove from report and send letter to support actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I'm trying to dispute this because I've have already contacted the collections Agencey on XX/XX/2023. They sent me a letter saying it can be removed and it's been verified, However, I need to have them, removed because of In accordance with the fair credit Reporting act XXXX Account ending in # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose..
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX XXXX  some body has used my name and also use my name in banks loans credit cards and more XXXX XXXX fraud upon my name so I'm basically bad standing with certain banks and credit cards base some scammer using my name my name is also being use over the dark web if you guys can clear my name base scammers have been using my name since XXXX i also went to XXXX court house in XXXX when the judge sent me a letter to appear in court once she seen my picture in court she's thrown this case out.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Acct # 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 with out my written instruction
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am filing a complaint against TransUnion, LLC due to their failure to remove unauthorized credit inquiries from my credit report, despite multiple requests and documented evidence that these inquiries lack my authorization. These unauthorized inquiries have impacted my creditworthiness, and TransUnions lack of compliance with the Fair Credit Reporting Act ( FCRA ) has infringed upon my rights as a consumer. The details are as follows : Unauthorized Inquiries : My credit report lists the following unauthorized inquiries : XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these inquiries, and each entity listed above has confirmed they have no record of my authorization or any permissible purpose for accessing my credit information. 

Violation of FCRA Regulations : TransUnions failure to remove these inquiries constitutes a violation of the following sections of the Fair Credit Reporting Act : Section 1681b ( c ) : Credit reporting agencies may only provide reports for specific, lawful purposes. None of the inquiries listed meet these requirements.

Section 609 ( a ) ( 1 ) ( A ) : TransUnion is required to verify each inquiry by providing the original signed consumer contract. To date, they have not provided this verification.

Section 1681i ( 5 ) : This section mandates the prompt deletion of inaccurate or unverifiable information. TransUnions refusal to act on unverifiable inquiries directly violates this requirement. 
Dispute and Response : I originally filed a dispute on XX/XX/XXXX, through both TransUnion and the CFPB under report number XXXX. In response on XX/XX/XXXX, TransUnion stated that inquiries remain on the report for XXXX years, suggesting that I contact the companies involved if I believe there was no permissible purpose. This response does not address the core issue, as TransUnion has not provided any proof of authorization or a permissible purpose for these inquiries. 

I am requesting the CFPBs intervention to ensure that TransUnion removes these inquiries from my credit report as mandated by federal law, and that they are held accountable for their lack of compliance with FCRA regulations. 

Personal Details : Complainant : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX Date of Incident : XX/XX/XXXX ( initial dispute, report # XXXX ) Company Address : TransUnion, LLC, XXXX XXXX XXXX, XXXX, PA XXXX Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

on XX/XX/XXXX my vehicle a XXXX XXXX XXXX was totaled. On XX/XX/XXXX approx. My insurance company XXXX paid off the vehicle based on its value. After XXXX  paid off the vehicle, there was an additional negative equity balance of {$3100.00} The dealer I purchased the vehicle from sent a vehicle warranty cancellation check to Capital one on XX/XX/XXXX. On XX/XX/XXXX I confirmed with a representative at Capital one that they had received the check. Even after receiving the check in the amount of {$4100.00} they still have not applied the funds to my account and have not sent me the overage funds via mail. I have called several times and they say the funds will be applied within a couple days. We are now going on almost a month and a half. Originally I purchased a XXXX XXXX XXXX class from XXXX  XXXX  XXXX and there was an auto loan account opened for that vehicle. The vehicle began having issues day 3 of me having it and so based on the dealerships 5 day return policy I took the vehicle back and purchased instead the XXXX XXXX XXXX. The customer service rep claimed that this may have been the reason the funds were not applied to my account and asked for a front and back copy of the processed check. I provided this from the dealership. I still have heard nothing back from Capital one and my account will go into delinquent payments even though they have been paid.
Product: Credit card

This Company is XXXX  XXXX  with good credit and no line no judgement no Ucu filing and pay on pr2optly time never late never miss any payment out of XXXX  XXXX  company with XXXX XXXX XXXX XXXXXXXX company profile stated that company 100 % in time payment XXXX XXXX Alway pay his company bill with a XXXX income per year purchase with over XXXX company is 100 % capital one denial the spark that all professional business has but XXXX XXXX XXXX the XXXX XXXX XXXX  ID # credit # XXXX this company has over credit account and is still grown
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Product: Debt collection

On or before XX/XX/2018, I sent out a registered mail to the following companies who was working on behalf of ( CACH LLC ) RESURGENT CAPITAL SERVICES and XXXX XXXX XXXX, XXXX. 

I requested each to produce all documents evidencing their right to act upon the conditions to collect such debt and produce all documents evidencing showing breach of any condition of the promissory note tendered by me. 

I was in need of a paper trail tracked all the way back to the original lender with no gaps in the chain of custody. No one could provide me with the information I was requesting.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple XXXXXXXX  fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Vehicle loan or lease

Hi, I preordered a Tesla Cybertruck from Tesla. It was a refundable XXXX dollar order. I canceled it six months ago and I was promised a XXXX dollar check. I have still not received the check or a credit to my credit card. I tried contacting them by email and phone and they have not responded. My order number was XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of certain accounts from my credit report, as I am a victim of XXXX XXXX. The debts in question are a result of XXXX-related debt bondage, which is addressed under the XXXXDebt Final Rule ( 1002.142 ( b ) ( 4 ) and 1002.142 ( b ) ( 7 ) ). In line with Section 605C of the Fair Credit Reporting Act, I kindly ask that this information be blocked from my credit report within four ( 4 ) business days. I appreciate your understanding and prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 instruction.
Product: Credit card or prepaid card

American Express is incorrectly categorizing spend at a grocery store ( XXXX ) to fuel. Before XX/XX/2019, XXXX purchases coded correctly and earned 6 % cash back when reported as XXXX XXXX. Since XX/XX/2019, purchases have coded as XXXX XXXX which earns less. XXXX XXXX is primarily a supermarket and as such should be coding and earning as such. While some locations feature an external gas station, Amex should be able to recognize this and differentiate between purchases. Neither Visa, MC, or XXXX XXXX have changed their categorization or coding of XXXX XXXX. This is an Amex issue and they should rectify it. Amex states the business selects its primary merchant code and claims it has no power to adjust purchases on an individual basis or permanently. In contrast, I have had other purchases code incorrectly in the past on a Visa where the card issuer immediately issued the correct point earning upon my request. I see this as an Amex issue, not a XXXX XXXX issue and as such they should rectify it.
Product: Debt collection

This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : XXXX. A debt collector/buyer must be bonded and licensed by the XXXXXXXX XXXX XXXXXXXX XXXX XXXX 
XXXX. The debt must be legally collectible within the states jurisdiction where the creditor resides. 
XXXX. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
XXXX. A debt purchase must have an assignment number and be registered with the XXXX XXXX XXXXXXXX XXXX. 
XXXX. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
XXXX. This company has posted one or more out dated collection against my credit report. It looks like the account was over 10 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!
Product: Credit card

A fraudulent Costco XXXX XXXX was opened in XXXX. I contacted XXXX and informed them of identify theft after they began calling my mother 's cell phone and harassing her for a past due payment. I gave them my phone number but they continue to call my mother and me. I filed a police report and gave XXXX that report # and they are still sending bills and having collectors call. I drove to the XXXX costco and affirmed it is not me as the photo is of an XXXX male and the purchase was made in XXXX  where I've not lived for XXXX years. I've written numerous notes on the continued bills - that are accruing late fees and interest - paying for postage to get XXXX to stop sending bills and calling. I've called numerous times to ask them to close the account and also confirm I am not having this reported incorrectly on my credit bureau. There is a different XXXX rep every time and they claim they'll take care of it but we continue to get calls and statements which is causing us stress and wasting our time.
Product: Payday loan, title loan, or personal loan

- XX/XX/XXXX I paid the remaining balance of {$350.00} on my account. 
- XX/XX/XXXX I have a credit on my account of {$350.00} due to the promo payback credit offered at the time of opening my account ( 0 % interest if paid full loan amount by XX/XX/XXXX ) - XX/XX/XXXX I called the customer service number ( XXXX ) to inform the company that I still had not received my check from the credit. The representative insisted that the check had been sent and was in the mail, I should receive it in 7-10 business days. 
- XX/XX/XXXX I called to question what happened to the check that was supposed to be mailed to my home address. The representative told me that she was unsure what happened and would put in an investigation to determine what was going on. I was told I would receive a call back within a week. 
- XX/XX/XXXX I call again to figure out what is going on. I was told that the check was sent and cashed on XX/XX/XXXX into a XXXX XXXX account. I let the representative know that I do not have a XXXX XXXX account, nor do any exist in the state of MA. I was told there was a picture of the check with my signature on it. When I asked for the picture to be sent to me via email, I was told that this was not possible but I could receive a copy in the mail in 7-10 business days. 
- As of todays date, I have yet to receive my refund or the image of the check. 
- XX/XX/XXXX The representative told me that there was nothing they could do, and they would not cancel the first check nor send me a new one. I was told that I should file a police report if I thought that someone took the check out of my mailbox. 
- XX/XX/XXXX I call XXXX XXXX myself to try to sort out what happened and report fraudulent activity. I was told that the account number on the check with my signature is an employer account, not a personal checking account.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX is XXXX address is XXXX XXXX XXXX, XXXX XXXX AL XXXX . I am a victim of identity theft due to the Equifax Data Breach. The following are fraudulent hard inquiries that I do not recognize and are not factual and should not remain on my credit report. 

XXXX - XX/XX/024
Product: Mortgage

I'm an furlough until i get called back to work. I just need some help with my mortgage payment. I just bought my house a few months ago