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

On XXXX XXXX XXXX, I used an ATM to withdraw {$300.00} USD from my account. The funds did not dispense, and instead an error code appeared on the screen. I got the attention of a clerk, and she in turn contacted her supervisor. They informed me that normally when the system updates overnight, the funds would return to the account. On XX/XX/, the funds were not returned to the account. I called the store and spoke with the manager. He in turn explained that their batch updated, and the count was off by {$300.00} USD. He informed me to file a dispute with my bank, and through the investigation process I would receive my money back. On XX/XX/XXXX, I got online to check the status, but it still showed in review. I contacted the store again to check to see if any documents or requests were received from my bank regarding this transaction, and I spoke with the XXXX XXXX. I was informed that no contact had been received from Current but confirmed the error affected my account. I relayed this information to Current XXXX, and I was told if the investigation with the dispute team was still ongoing by the XXXX business day, a provisional credit would be issued to the account while they continued to investigate. XX/XX/2023 was the date for that credit. I reached out to Current Support to confirm the credit was being placed in the account, and I was assured they would post the credit prior to the days end. At the end of the day, I reached out to support because the credit didnt post. I was then told they would escalate the issue to the dispute team for the reason why the credit wasnt applied and someone would reach out to me in 3-5 business days. On XX/XX/, I called support regarding the issue, and I was told there was no manager and the dispute team didnt have any contact information, but someone would email me the decision because the claim had not made it to the review process. XXXX hours later I received an email stating my claim was denied and if I want the documents that were used to deny the claim I have to request them. I contacted the store again, and they referred me to their AP department who in turn stated they have not received any documents from Current ; therefore, a request has never been submitted to process the claim as with others.
Product: Debt collection

On XX/XX/2020, I reviewed my Transunion credit report because I am preparing to purchase a home. Upon review, I have a collection account from XXXX XXXX. When attempting to find out information about this company, I couldn't even find a legitimate website, verifying who this collector even is. I have never received any notification from XXXX XXXX notifying me of a debt. Nor did I ever receive any written notification from XXXX XXXX regarding my right to dispute debt within 30 days. I also was never provided with any documentation proving that I have any obligation to pay any debt. Further, I have never had any contract or obligation to pay XXXX XXXX  XXXX. I don't owe any money to XXXX XXXX, nor do I owe money to any third party XXXX XXXX claims to represent. XXXX has damaged my credit and violated my rights under FCRA and FDCPA. This account should be removed immediately, and if it is not, I will plan to sue to the fullest extent the law allows. Per the FCRA, all accounts on credit reports must be verified. Transunion is the only credit bureau that has this fraudulent account listed. This is illegal. Transunion and XXXX illegal and unwarranted actions have damaged my credit and my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I disputed fraudulent accounts on my credit reportJXXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX accounts ( XXXX and XXXX ) which had been previously deleted but improperly reinserted. My XX/XX/XXXX, credit report confirmed their removal, yet on XX/XX/XXXX, I received a Credit Monitoring Notification from Experian stating that XXXX XXXX  was reported over the credit limita clear sign it was reinserted unlawfully. Upon checking my Experian report, I confirmed that all three fraudulent accounts had reappeared without notice or verification. This is blatantly illegal and a direct violation of 15 USC 1681i ( a ) ( 5 ) ( B ), which prohibits reinstating deleted accounts unless the furnisher certifies accuracy and I am notified within five daysneither of which happened. Additionally, Experian has failed its legal duty under 15 USC 1681e ( b ) to ensure accurate reporting by recklessly allowing deleted, fraudulent accounts to reappear. This is not just negligenceit is deliberate misconduct. The improper reinsertion of these accounts has damaged my credit score, harmed my financial reputation, and caused unnecessary financial stress. I am sick and tired of repeatedly disputing the same fraudulent accounts because Experian refuses to follow the law. What makes this even more infuriating is that only Experian has reinserted these accountsXXXX and XXXX have not, proving that Experian alone has failed to conduct proper verification. This is a disgraceful, deceptive, and illegal practice that needs to end now. I will not continue playing this game where I dispute, you delete, and then you sneak these accounts back onto my report. I demand their immediate and permanent removal. If these accounts are not deleted immediately, I will escalate this matter to the CFPB, my states Attorney General, and pursue legal action for these repeated violations. Experian has one final chance to fix this before I take serious legal action. Consider this your last warning.
Product: Checking or savings account

Citibank allowed the passport agency of the US Department of State to cash the same check twice. Check number XXXX in the amount of {$130.00} was cashed twice on XX/XX/2022 and XX/XX/2022. 

I submitted a passport application to the passport agency in early XXXX this year but got returned due to the passport photo containing glasses. They cashed the check despite not processing my application. Then I submitted the same application with the correct photo without a check but they cashed the same check a second time.
Product: Credit reporting or other personal consumer reports

2 months ago I filed a complaint with Experian as a consumer and their response, per usual was dismissive, without merit, and did not resolve my complaint. This is my final attempt to resolve this matter directly with Experian. Should this issue remain unresolved, I will proceed to file for arbitration. In accordance with your arbitration agreement, I will be seeking that Experian covers half of the arbitration fees. 

I urge you to review my complaint thoroughly and take appropriate action to rectify the issues. Please respond within 14 days of receipt of this letter to confirm the steps you will take to resolve my complaint. Failure to do so will leave me with no choice but to move forward with arbitration. 

The blatant reporting of non public information without my permission is ridiculous. I will execute my rights if necessary.
Product: Bank account or service

THIS IS NOT A DUPLICATE : XXXX accounts were closed by Chase Bank and the reason given was basically " because we can and we feel like it ''. However, to date only the money in XXXX account has been returned in the amount of {$61.00}. The money in the other account has not been returned in the amount of {$270.00}. Further there were XXXX {$12.00} charges totalling {$48.00} assessed to the account even though the deposit items in question were the fault of XXXX, who made good on the items.
Product: Debt collection

U.S. BANK-RECOVERY APPEARED ON MY XXXX CREDIT REPORT ON XXXX/XXXX/2015, THE TELEPHONE IS FAKE AND RECEIVED CALLS FROM THIS PARTY AND ON VOICE MAIL.THIS APPEARS TO BE A FRAUDULENT ATTEMPT TO COLLECTION WITHOUT AND VALIDATION TO SUPPORT ACESSING MY CREDIT.SEE ATTACHED XXXX REPORT # XXXX, DATED XXXX/XXXX/2015.
Product: Student loan

I am on currently on an IDR repayment program called the SAVE Plan, and have been on SAVE since its fairly recent inception.

Under that repayment method, if you make your full monthly payment, but it is not enough to cover the accrued monthly interest, the government covers the rest of the interest that accrued that month. That means there is supposed to be no accrued interest on my loans so long as full monthly payments are made. 

My loan service -- Aidvantage -- has not been abiding by these terms and has been charging me interest even after making all full monthly payments on time, and also possibly during a mandatory forbearance period that started in XX/XX/year> as a result of court rulings dealing with the SAVE Plan. 

There should be {$0.00} in accrued interest on my account, as I made full monthly payments every month prior to the mandatory forbearance period that started this Summer. 

Yet, when I made a recent {$2000.00} lump payment on my loan in XXXX, more than half -- {$1000.00} -- went to interest, with only {$940.00} going to the principal. Again, there is no reasonable explanation for why I'd have any accrued interest balance on this account -- all full monthly payments have been made on time, and I've been in mandatory forbearance since XXXX. That mandatory forbearance also set forth a period where no interest is supposed to accrue. 

Additionally, I have no way of knowing whether Aidvantage has been applying accrued interest to my account over the period of XXXXXXXX XXXX XXXX XXXX XXXX Those two months are completely missing in my " Account History '' tab for some unexplained reason. 

I have called Aidvantage to get an explanation, and the customer service rep did not have any answers. I do not trust Aidvantage will resolve this issue properly.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


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


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


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


EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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


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


Update the late payments from my consumer reports
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 Acct Number : XXXX XXXX XXXXXXXX Acct Number : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX, XXXX Acct Number : XXXX XXXX XXXX XXXX XXXX  Acct Number : XXXX XXXX XXXX XXXX  Acct Number : XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXXXXXX {$61000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ACCT # XXXX Date Opened : XX/XX/2021 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

In accordance with the Fair Credit Reporting Act XXXX Account # 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 1666b A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

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


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


I demand the late payment reported in 60 days to be removed. 


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


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


US DEPT ED Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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


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


Delete the late payments from my consumer reports XXXX
Product: Debt collection

On the date of XX/XX/XXXX an account was opened in my name for a XXXX XXXX account in the amount of {$900.00}. I joined the XXXX and left for XXXX XXXX XX/XX/XXXX. When checking my free annual credit report around XX/XX/XXXX, I noticed a collection from AD ASTRA RECOVERY SERVICE with XXXX as the original creditor. After calling XXXX XXXX about this matter, they told me that this account was in collections with a third party collection agency and that I needed to contact them for payment details. I kindly explained to XXXX XXXX that this account was not opened by me, but they kept pushing the fact to call the collection agency and was done talking with me. AD ASTRA RECOVERY SERVICE did not help either, all they kept pushing was that I owed {$900.00} and how would I like to pay it. I explained to AD ASTRA RECOVERY the same thing that I explained to XXXX XXXX, I joined the XXXX and left for XXXX XXXX XX/XX/XXXX to XXXX XXXX, GA. where I remained for 2 months and 1 week. AD ASTRA really blew that off and was still asking for payment. I have been disputing this collection for over 4 years now and I keep getting the same results which reads " Account information disputed by consumer, meets FCRA requirements ''. The last update was XX/XX/XXXX and this account is still open and hindering me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
ENHANCED RECOVERY CO L ( Original Creditor : AT T ) XXXX Balance {$570.00} Kohls/Capone XXXX XXXX XXXX XX/XX/2019 XXXX XXXX of Inquiry XX/XX/2019
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. 

Has Violated my rights. 
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  Has Violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of c more 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: Mortgage

J.P Morgan Chase Bank N.A. violated the Federal Trade Commission Act by making false statements. 
In Michigan, Foreclosing party must publish notice once a week for four consecutive weeks before sale and post a notice on property within at least 15 days of first publication. No such notices have been made. 
After denying me a loan modification, I disputed the underwriters wrongful decision, after 90 days, I received correspondence from THE Executive Offices of J.P. Morgan Chase Bank N.A., In this document, it indicated that my credit report was not used to determine my eligibity. However, Underneath that statement, contained the reasoning behind why I was ineligible and XXXX of the reasons stating that determining my bills and income, that it retrieved from my credit report, that I would be paying {$300.00} monthly in credit card expenses, not taking into consideration tat I was enrolled in the forbearance plan with those creditors. This situation was and is in violation of the fair credit reporting act. 

If a forced placed insurance is obtained on my loan then JP Morgan Chase Bank , N.A . failed to not over-charge myself for force-placed insurance and did n't warn me at least 45 days before it charged to a force placed insurance policy which would have given me time to buy me own policy. The servicer did n't warn me first or again at least 30 days later. Lastly, generally when being billed for force-placed insurance, the servicer should n't have over-charged me, which did occur and is ongoing. 
Chase failed send a privacy notice to me once a year breaching the Gramm-Leach-Bliley Act. 
Secondly, Chase also failed to give me the chance to " opt out '' or say " no '' to information sharing under certain circumstances and Chase failed to describe how they will protect the confidentiality and security of my personal and financial information. 
According to a Federal Reserve press release, banking organizations including JPMorgan Chase & Co. engaged in " a pattern of misconduct and negligence related to deficient practices in residential mortgage loan servicing and foreclosure processing. These deficiencies represent significant and pervasive compliance failures and unsafe and unsound practices and I know I am a victim of these occurrences. 

Chase also recently did an appraisal on my residence this last mouth, the law states that I should receive a copy of that report. I have n't received a copy even after requested and I was charged {$350.00} for the appraisal without prior authorization or knowledge of this. 

And I am also a victim of assignment and securities fraud to which the assignment of my mortgage via J.P Morgan Chase Bank N.A, created a fraudulent document and forged signatures. 

Finally, this information was on public record - & gt ; ( A loan was issued by JPMORGAN CHASE BANK XXXX. ) This information is inaccurate. 
Please help me with these deeply concerning matters as I am being violated of my civil rigts
Product: Credit card

After years and years and numerous attempts of proving this account has been paid and this company taking money from my checking account, they are still trying to take my money. I have proof there is no such debt and they have no proof that there is an unpaid debt. This harassment is causing such anxiety that I am unable to sleep at night wondering when I am going to wake up and be penniless again. This is complete fraud and harassment and I want it to stop immediately and be refunded the amount they have already stolen from me. If you call the attorney 's office, you have some so called lady answering telling you " you should pay your bills. '' This is unfair and unjust and this is my XXXX complaint and no one is doing anything about it. UNIFUND CCR PARNTERS is scamming me and I want this to stop. I really do n't have the money to hire any attorney but it is looking like I am going to have to in order to get any help as I do n't want to be stuck having to borrow money after they have stolen my checking account again and have to pay numerous overdraft fees.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Remove inaccurate information, charged off accounts, collections, bankruptcy, accounts showing as loans. The inaccurate information is prohibiting me from making progress and should not be on my profile. The account is showing differently than other agencies.

15 USC 1681 ( n ) and 15 USC1681 ( o )