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

On Monday XXXX XXXX I reported to my bank ( chase ) that there were fraudulent charges on my debit card and a dispute was opened. I was issued a provisional credit from the fraud department with 24 hours after filing this report and also issued a new debit.I went into the bank yesterday ( XXXX ) and tried to make a withdrawal and the bank teller ( XXXX XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX ) Made a big deal and got very loud and discussed my account in front of other customers. I was then sit down with a bank manager and he called and verified the money was available and it was. I was allowed to do a withdrawal. Today I go into the bank and they are now telling me that my account is restricted. The Bank Teller has a personal issue with me and gives me an issue every time I go into the bank ( XXXX XXXX ) When I first opened this account there was an issue that I had another account opened. I provided them with all documentations to prove this case ... I was a victim of ID theft. My account was reopened and up until to date I have not had any issues with the account besides going into the branch and dealing with this teller ( XXXX XXXX ) who also happens to be a manager as well.
Product: Student loan

Each of my student loans were charged incorrect interest. Below are the amounts. 
Loan 1 : Principle : {$2300.00} Interest Rate:3.4 % Daily Interest Rate : {$.00} Interest Charged for 9 days since last payment : {$65.00} Interest That Should've been charged : {$1.00} ( {$.00} x XXXX ) Overcharged : {$63.00} Loan 2 : Principle : {$2300.00} Interest Rate:3.4 % Daily Interest Rate : {$.00} Interest Charged for 9 days since last payment : {$70.00} Interest That Should've been charged : {$1.00} Overcharged : {$63.00} Loan 3 : Principle : {$1600.00} Interest Rate:6.8 % Daily Interest Rate : {$.00} Interest Charged for 9 days since last payment : {$100.00} Interest That Should've been charged : {$2.00} Overcharged : {$98.00} Loan 4 : Principle : {$1300.00} Interest Rate:6.8 % Daily Interest Rate : {$.00} Interest Charged for 9 days since last payment : {$79.00} Interest That Should've been charged : {$2.00} Overcharged : {$77.00} Loan 5 : Principle : {$330.00} Interest Rate:6.8 % Daily Interest Rate : {$.00} Interest Charged for 9 days since last payment : {$16.00} Interest That Should've been charged : {$.00} Overcharged : {$16.00} Total overcharges for interest of {$310.00} in ONE MONTH. This is absolutely insane. To speak with a rep on the phone takes hours and hours that I do not have. I just received a response from them last time I complained months ago. Please help. They're going to be accruing interest after interest on interest each month until I can never pay this off.
Product: Vehicle loan or lease

On XX/XX/2019 I called to check if Citizens One had received the check to cancel Gap Insurance on my car. The representative told me no. I continued to call everyday telling them I wanted to pay off my car but wanted everything in order before the process was done. XXXX XXXX had sent the check but the bank customer service could not find the check. On one of the days a representative in the finance department asked me if the check had my loan number and vin number on it. I checked with XXXX and XXXX assured me she had. I do not have names since I spoke with a different person in their finance department everyday. On one day in particular a man gave me a ticket number of XXXX and sent it to the back room to match the check with my information. On another day a female representative in the finance office put me on hold and got back on the phone with another answer of no. On another day one female in the finance department said if the back room couldnt find a customer for the check they would throw it away. I dealt with all the comments of not being able to find the check until the XXXX of XXXX. I called and asked XXXX if they could write me a check for the cancellation of the Gap Insurance and I would pay off the loan of my car and they did. I called Citizens or Citizens One as the name changed each time I called for the payoff. The department gave me the payoff of {$3200.00}. I decided to go to my bank, XXXX XXXX  and send a wire transfer because I had enough of a so called lost check. The banker, XXXX, helped me on XX/XX/2019 to send the wire transfer but had a question if the bank was Citizens or Citizens One and asked if I would give him permission to speak with them. I put my phone on speaker and my wire transfer was sent to Citizens Bank. The banker and I were on speaker when the payoff dropped  to {$3000.00}. I am worried this bank will not send my title to me because of everything I have been through. Their acct number is XXXX, aba number XXXX. My loan account number is XXXX. The last 4 of my ss is XXXX. My name is XXXX XXXX. My address is XXXX XXXX XXXX, XXXX, Texas XXXX. Their address is Citizens One, XXXX XXXX XXXX, XXXX, RI XXXX. They have another address of Citizens One, Consumer Loan Servicing, XXXX, XXXX XXXX XXXX, XXXX, RI XXXX XXXX. I was never late on my car payment and always had insurance on it. I want to be sure I receive my title as the bank said they send titles to Texas electronically and I will need to go to the DMV in a week to pick it up. It was an unpleasant and unnecessary experience. I want my title and be done with this bank.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding the way claims may have been handled by Zelle in light of the current lawsuit by CFPB. I do not believe claims /disputes handled by Zelle were handled properly. The CFPB findings indicate the Zelle has neglected to protect consumers and I feel that I am included in that.
Product: Credit reporting or other personal consumer reports

I am writing to address the issue of fraudulent information being reported by your company that has resulted in a negative impact on my credit profile. Despite my claims of duplicate information, it seems that these have been rejected by your debt collectors. This is a serious matter that could potentially lead to a lawsuit against your company. I would like to kindly request that this issue is rectified as soon as possible by removing the frozen information from my credit profile. I am making this request in a respectful and straightforward manner, in hopes that we can resolve this matter without any legal action. Thank you for your attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in contact with a salesman at XXXX XXXX XXXX about purchasing an XXXX. The salesman rushed me into submitting a pre approval application for cars that had been sold. I was never advised on XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX They went ahead and shared all my information to multiple banks. I see on my credit report 16 recent inquiries for auto financing companies without my consent.  The guy called me saying theyre giving me a XXXX XXXX  when that is not what I had originally agreed on. I have contacted bmw financial services at this dealer and no one has bothered to reach out to me about this fraudulent activity they have customers doing and lying About my employers. They sent me a package for a car I was never aware of submitting application for. I want any inquiries from XXXX and forward to be removed due to the misinformation that BMW has provided without my authorization.
Product: Credit card

Someone I was seeing, dating, took my credit card without permission. This card was used for a number of purchases and services. When I received my statement, I notified Citibank, NA of the charges. I also wrote them according to their dispute rules. Citibank, NA ruled that the charges were by an authorized user. I requested receipts of the transactions and additional information related to their dispute process. This was not provided. 

I have mailed no less than 7 letters to Citibank regarding these unauthorized charges. They have since reported to the credit agencies that this is a delinquent account, which is not true. Citibank has failed to respond related to the dispute of the unauthorized charges since their decision letter. I asked for appeal process and arbitration information. It was not provided. 

These charges are from XX/XX/2023, in the amount around {$1400.00}.
Product: Debt collection

I am a Connecticut resident in an out of the state and coming to visit for months to the State of Florida XXXX County/ Back in XXXX I was stopped by my fiance because supossely he was speeding. The policeman made us park in the mall parking lot near by. The cop asked me to get out of the car and I removed my seatbelt I am a seatbelt faithful driver and passenger. The cop lied about me not wearing the seabelt and lied about stating I was XXXX years old at the time. I was XXXX years old and I gave him a copy of my drivers license he proceeded to do a ticket stating I was not wearing the seatbelt and I was XXXX XXXX XXXX. I also was informed although unaware because I moved many times in the state of florida that I had another ticket for failing to stop in a yellow light camera back in XXXX. My son drove my car to work many times and I was in the state of connecticut at the time of the ticket. I am going to contact an attorney because this two unfair discriminatory tickets had ruined my life and they will have to show in court I was driving the car in XXXX despite of If I own it. And prove that I was XXXX at the time and not wearing my seatbelt my exfiance can testify we are not speeding or I was wearing a seatbelt. The cop saw a Connecticut license plate and decided to make his cuota in our expense. I want to dispute these charges and demand proof I was driving and I was XXXX years old or failed to put my seatbelt. This is preventing from getting a job
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 XXXX XXXX XXXX Acct name : XXXX XXXX XXXX Acct # XXXX Acct name : XXXX XXXX XXXX XXXX Account # XXXX Acct name : XXXX Account # XXXX 15 USC 1681 section 602 A. 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 an account without my written instructions.

15 USC 1681 c. ( 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 crime which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate 12 U.S. 5561 ( 5 ) - ( 5 ) Violation The term violation means any act or omission that, if proved, would constitute a violation of any provision of Federal consumer financial law.
Product: Credit reporting or other personal consumer reports

Account : XXXX XXXX XXXX. 
# : I am not liable for this debt with sprint and do not have a contract with XXXX XXXX XXXX. This collection is violating my rights. It is related to another BBB complaint ID : XXXX. I was illegally evicted during XXXX during a no eviction mandate in Florida. The landlord in the previous complaint ID mentioned fraudulently continued to use the electric in the rented property after I cancelled it. They illegally and fraudulently kept the XXXX XXXX XXXX XXXX XXXX active after I had cancelled it and racked up a bill and now it is negatively affecting my consumer credit report. I have contacted an attorney and am proceeding with legal action against XXXX XXXX XXXX if this is not removed from my credit report immediately. The landlord who did this is the one liable for this debt, he knows that because he also tried to file a collection against me and he did not respond because he knew he broke the law and would be held liable legally and removed the fraudulent amount reporting to my credit. This needs to be removed immediately. My consumer rights are being violated under the following consumer protection laws under 15 USC 1681. :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. Remove this from all Credit reports, XXXX, XXXX XXXX Experian Immediately
Product: Debt collection

When selling a home in 2014 I learned a judgement was obtained against me and would take the amount owed from the sale of our home. I called the law firm whom filed and found the judgement was on a student loan obtain by fraud by XXXX XXXX. I followed the direction of this law office and filing their fraud packet ( mail XX/XX/2014 ). The law office and Educap did determined it was obtained through fraud. The amount ( {$7200.00} ) was not taken from the sale of our home and I was removed from the account. The problem I have now is they never removed the judgement or provided me with the paperwork to allow me to remove this. After moving I provided this law office with my new home address and phone number. I continued to call this office for some type of letter to remove this judgement. Each time I call for some help to get this judgement remove I get excuses and promises. I am at wits end. The law office in question is : XXXX, XXXX, XXXX  XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Prepaid card

Unable to use the gift card at online vendors- the card gets declined every time I use it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX still has this account open when it was paid and settled over a month ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquires on my credit that I allow to be on my credit. XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I found wrong personal information in my annual credit report, they are : one wrong telephone number and 4 wrong addresses under my personal information Tel # XXXX Address 1 : XXXX XXXX XXXX. XXXX XXXX XXXX , MO XXXX Address2 : XXXX XXXX XXXX XXXX , WV XXXX Address 3 : XXXX XXXX XXXX XXXX XXXX , AR XXXX Address 4 : XXXX XXXX XXXX XXXXXXXX , IN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With The Fair Credit Reporting Act 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 without my written instructions
Product: Checking or savings account

I opened a checking account with chase bank. I deposited my payroll check. A few days later the check cleared and i made a few withdrawls over the next week. Chase then closed my account. With {$440.00} of my money still in the account. I was never given a clear reason of there closing. Everyone i talked to at chase bank gave me a different reason. I tried calling many different chase numbers to find out what is going on. All, led me nowhere. I went into my branch many times. Only to be treated as i did something wrong. And they would not give my money back. They tried to make me start a new account. Just to get my money back. The alternative the manager said, was to mail me my remaining funds in a check from chase. It would take 7 to 10 business days i was told. It never happened. They never mailed me my check. 7 months now. I get a call from chase bank fraud unit. Now, they say, my employers address on check i deposited was not the address of his company. I asked if rhat was ilegal. They said no. I asked if they have any evidence of fraud. They said no. I asked them to give me my money back. They said no. They asked me to get my now ex employer, to come into there bank to varify this address he has on his payroll checks. I told chase bank i do not work for you. And, i am the one in the middle here, suffering from all this. I told them at that time, i have been through to much stress over this thus far. You have broken the law in the time alotted to hold my money. I want my {$440.00} plus comensation now. They told me no. And said, when i get my ex employer to come in and varify what they want, then they will release my money.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 
As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX - Account XXXX Shows inaccurateness. The Payment histories are different from each other. XXXX has no report, Experian was Chargeoff and XXXX was OK. Please update it or REMOVE from my account XXXX - Account XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX Account Number XXXX {$7000.00} XXXX XXXX Account Number XXXX {$3800.00} XXXX XXXX Account Number XXXX {$2900.00} XXXX XXXX Account Number XXXX {$3200.00} XXXX XXXX Account Numbers XXXX {$2900.00} 15 USC 1681 Section 604 " States rights to consumers privacy ' Reporting agencies can not furnish a account WITHOUT my WRITTEN consent!
Product: Money transfer, virtual currency, or money service

Money gram company has been unfairly refusing to do business with me. I do n't know the why. I ca n't receive or send money with the company. This has been going on for months. I received money of an amount of {$100.00} from my cousin in Texas. They agents of money gram has been asking many question even thought the company has my information in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to you all about several items on my credit that is not mine. I have also sent in a copy of my police reporting and documents and these accounts are still on there. Im reaching out one more time before I seeking other options XXXX XXXX. XXXX XXXX XXXX. XXXX. I have contacted the FTC and my local police.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report that need to be removed. I didnt authorize inquiries to my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I asked that these be removed XXXX ago without a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Has violated my rights.

15 U.S.C 1681 Section 602 A. States I have 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 written instructions
Product: Credit reporting or other personal consumer reports

I am here today as a human being living man, i did not give these person ( s ) permission to put anything on my report especially with permissible purposes. This is identity theft from XXXX XXXX XXXX. I have reached on several times to all 3 CRAs on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Experian, XXXX, XXXX, and XXXX XXXX XXXX. I Have documentation and a FTC report attached.
Product: Student loan

The school that I obtained the loan from was not accredited and it was also closed so my loans were suppose to be forgiven from the forgiveness program I Need you to validate this debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, whose address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Phone : ( XXXX ) XXXX wrongfully reported to all three credit reporting bureaus that my credit card account with a last digit # XXXX is late and past due for the months XXXX and XXXXXXXX XXXX XXXX As a result of this clerical mistake my XXXX XXXX went down XXXX points, from XXXX to XXXX, and I lost access to a wide array of financial products previously available to me. 
All payments on this credit card have been made and sent by me to XXXXXXXX XXXX XXXX in time. 
In good faith I disputed this issue multiple times with all three credit bureaus asking them to remove erroneous information in my credit file submitted by XXXX XXXX XXXX 
Despite those attempts, erroneous negative information stayed in all my credit reports. 
I also sent a letter to XXXXXXXX XXXX XXXX  explaining the situation and asking them to remove erroneous negative information from credit bureaus. I have never received any answer from XXXX XXXX XXXX 
I have excellent credit and have never been late with any of my payments. Here I am, respectfully asking CFPB to take into consideration all the matters mentioned above and care for a full investigation. Thank you.
Product: Checking or savings account

I transferred money from my checking to savings and then I couldn't transfer it back. I've called the bank repeatedly over the past week and all they would say is that my account is under review. Today a customer service representative told me that there was a hols on the account for a suspicious deposit. But there was no deposit. They won't give me access or release the funds in my savings account.