23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Complaint relates to my Bank of Ameri ca Visa Card.    Details below.     Statement for period   X/X/17  to  X/X/17  en ded up in my  Spam folde r so I missed the payment du e  X/X/17  of { $390.00}.     The statement for per iod  X/X/17  to  X/X/17     included a {$25.00} fee + {$33.00} interest which when added to my   XX/XX/XXXX  acti vity totaled {$4400.00}. This was fully paid in   X/X/17 .      When I received the statement for pe riod  X/X/17  to  X/X/17 , my  total activity was {$16000.00} which is due   X/X/17     which I have scheduled to pay fully. However, this statement also included an interest charge of {$150.00} which they calculated on an amount of {$10000.00} at 17.74 % rate. Since I fully paid  my  XX/XX/XXXX  balan ce on     XXXX   XXXX  , 2017, I d o n't understand why I am being charged interest for current activity which is   no t due till  X/X/17 .      When I spoke to their customer service rep, she could not explain why I am being charged but also did not correct it.     As a practise, I pay my monthly balance always on time and fully.
Product: Mortgage

I have an account with nation star mortgage. After closing, the wrong closing cost was sent. The company never called to tell me so my account was not settled. I realized it when I looked at the account online. I went back and fort until they finally decided to accept the original payoff sent to the closing company. It took probably a month after closing. Now the company is giving me the run around and seem to not want to give back the overage that I am due as more money was sent in than was required for the pay off. Even after a couple days calculation for interest I am still due an overage payback. It has been two months. Every time someone says they will call me back it never happens. the closing company as well as one of their own representative already stated I am due an overage. I can not seem to resolve the issue and everyone seems to act as if they do n't know what I 'm talking about.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that used to very the accounts i dispute. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - " they are required to promptly delete all information which can not be verified '' That I have disputed. Please resolve this issue immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit inquiry I dont recognize.
Product: Credit reporting or other personal consumer reports

I have XXXX hard inquiries that were all unauthorized. 

XXXX XXXX XXXX XXXX : XXXX XXXX Capital One Inquiry : XXXX XXXX Capital One Inquiry : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Capital One Inquiry : XXXX XXXX
Product: Debt collection

My Original Creditor XXXX XXXX Hospital transferred my medical debt to XXXX who reported my debt to collection on XX/XX/2018. In my belief, this was not within the 180-day grace period for consumers to resolve any medical debt before it appears as a past due amount on their credit report. My last payment was XX/XX/2018. As soon as I received a letter from XXXX  on XX/XX/2018, I tried calling but kept getting transferred saying that my account is on a different department, or will be given a different phone number to call. I would also receive a regular call/voicemail which is an automated person when answered. 
My main concern is that I have tried to the best of my ability to settle this debt and yet I can never get a hold of someone who actually handles my account. It's very unfair when it showed up on my credit report, bringing my score 100 below and not being able to get a hold of the creditor. 
I have also tried disputing this with XXXX, but I couldn't explain my situation with the very limited words I can use to dispute online. 
I have attached a phone log with different phone numbers of XXXX, as well as the actual bill with my written notes. I have also attached my last payment to XXXX XXXX Hospital. 
Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX  ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX and XXXX  XXXX  XXXX  Acccout # 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: Money transfer, virtual currency, or money service

On XX/XX/24 I made an online payment of {$4000.00} to XXXX XXXX from my TD Bank Checking Account. XXXX was promised by XX/XX/24. As of today XXXX has received nothing. Each day subsequent to the promised payment date the TD Bank website stated the payment would be made the next. XX/XX/24 turned into XX/XX/24 then XX/XX/24 etc. I was informed by TD Bank that the funds were not sent electronically but by XXXX unbeknownst to me. When asked why this was not explicitly disclosed at the time I initiated the transaction I was told it was buried in the one of many disclosures I had agreed to when I opened the account. With todays technology who would ever expect a transaction generated online to be completed by XXXX. TD Bank should explicitly advise a customer when the customer is initiating a transaction whether it will be processed electronically or by XXXX. The {$4000.00} payment was time sensitive. I was told if I put a stop payment on the check TD would charge me {$30.00} and they couldnt guarantee that XXXX would not deposit the check. If the check bounces I expect XXXX to charge me an NSF fee similar to TD Bank. Furthermore if I stop payment on the check and have XXXX withdraw the funds electronically I could end up with a {$4000.00} overdraft if XXXX is allowed to cash the check. TD Bank should be required to disclose to the customer at the time an online transaction is initiated whether the payment will be made electronically or by XXXX.
Product: Checking or savings account

I have submitted complaint ID XXXX and received a response that Chase did not recognize me as their customer. My concern is that Chase is not exercising ordinary care in honoring checks that are presented to be debited from our accounts or in addressing errors made by Chase when brought to it's attention. I identified 3 instances, two for which I am authorized on the account. I will attach the documentation so that Chase has the account numbers and can verify my authorization. I have already confirmed with Chase subsequent to receiving the closing of complaint ID XXXX that I am authorized to discuss these accounts. The third is my mother 's personal account and she will be submitting a separate complaint for it. 

First error - Chased honored a single check number # XXXX twice and didn't catch it. Copies attached ( checking account number on the check copy. ) Second error - Chase submitted a loan payment to the issuing bank twice. I made 5 loan payments that day - 3 from a XXXX XXXX XXXX operating account and 2 from a Chase operating account. Chase submitted the 3 XXXX XXXX XXXX loan payments twice. When I brought this to Chase 's attention at the branch where I made the payments, I was initially dismissed and was told they could not do anything. I escalated this through our commercial loan contact, but it was mishandled every step of the way and I was never given a satisfactory answer as to why this only happened with my XXXX XXXX XXXXXXXX accounts. They stated it was a duplicate batch error, but if that was the case the Chase accounts should have been debited twice as well. You'll notice that the check number was not submitted to XXXX XXXX  XXXX with the duplicate debit. Copies attached ( Chase loan numbers in the memo section. )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX D/B/A TransUnion LLC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all shall be fined {$100000.00} ( PER VIOLATION ) under Federal Law Gramm-Leach-Bliley Act for noncompliance. All party ( s ) mentioned above shall be fined and imprisoned for XXXX  years for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX against XXXX XXXX. 

I, XXXX XXXX, HEREBY cancel any consent of XXXX XXXX XXXX of furnishing my nonpublic personal information as dated XX/XX/2022 and I am demanding all party ( s ) mentioned above to remove the account XXXX from my Consumer Report immediately and if all person ( s ) mentioned fails to comply for any reason will be prosecuted and fined for Identity Theft, and {$100000.00} ( Per violation ). I do not give any lawful consent to all persons mentioned above to furnish and transfer my nonpublic personal information y all party ( s ) be fined without further ado with prejudice!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Credit card

I happened to log onto Wells Fargo online account to change my address since I recently moved. I noticed something unusual and looked at the account noticing their were charges recently made to it. The total amount of the charges were around {$870.00}. I opened the statement and noticed the name on the account was XXXX XXXX. My name is XXXX XXXX. I have no idea how this could have happened but suspect identity theft. 

I do not hear and used XXXX relay service to discuss with Wells Fargo. It was very difficult to get the person to understand what I was trying to explain and the relay person kept typing the word 'pacing '. 

Just want Wells Fargo to resolve this issue. I have reported identity theft to the FTC and have put alerts with all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect addresses that need to be removed from my credit report, please.
Product: Debt collection

On XX/XX/2021, XXXX XXXX XXXX served me with a notice to appear to a pre-trial conference/mediation, alleging I owed them {$3300.00} on a credit card debt originally issued by XXXX XXXX , which they had purchased. This was the first time I heard of that alleged debt. I called their lawyer up and ask for details. The lawyer asked if I knew of an address in Kentucky, which was totally unknown to me. Upon a quick investigation with the vendor, it appeared I was victim of identity theft. I filed a report, appeared at the pre-trial conference, and submitted a Counterclaim in the Small Claims Court. The derogatory report submitted by XXXX to the various CRAs resulted in StudentAid declining me a {$30000.00} Parent Plus Student Loan for my son who is in Senior year in College, and for his landlord declining me as a guarantor for his lease. My son was in mental health therapy at the time and this additional stress clearly aggravated his condition. I asked for {$8000.00} on damages. 

A couple of days after the conference, XXXX asked the Court to dismiss their claim, and filed a Motion to Dismiss my Counterclaim, arguing that " Courts have consistently concluded that the FCRA does not provide a private cause of action for violations of Section 1681s-2 ( a ). See 15 U.S.C. 1682s-2 ( d ) : Longman, 702 F.3d at 151 ( " [ T ] he statute plainly restricts enforcement of [ 15 U.S.C. 1681s-2 ( a ) to federal and state authorities. " ), '' and concluding " Even assuming all of the allegations were true and taken in the light most favorable to the Defendant, the Counterclaim would still fail to state any claim upon which relief may be granted under the FCRA. '' I was served with the Motion to Dismiss on XX/XX/2021. 

I have not heard from the Court yet, and I would like to know if indeed XXXX 's assertion that I have no cause of action is correct. If it is, please let me know how best handle this matter in order to obtain proper redress. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted to a fraudulent credit inquiry by XXXX on XX/XX/2022. It was by a personal loan company named XXXX. I immediately alerted XXXX that this was fraud, and they told me they would take the necessary steps to make sure more fraudulent activity did not take place. I also contacted XXXX immediately and let them know that this was identity theft and that XXXX owner of the XXXX being useddid not apply for any loans. The next day, despite being on the phone for over an hour with XXXX the previous day, another hard inquiry for a personal loan from SoFi was allowed through. My accounts, reports, etc are frozen. I have placed alerts on all three bureaus. Furthermore, XXXX has made it their policy to never talk to a customer unless they are a business customer. Their automated system menus are deliberately designed to lead callers to dead-ends and hang up on them. They dont take their duty as to the public as a credit reporting agency seriously and are not even willing to fulfill the basics steps to protect the identity of the people whose information they sell. I have not been able to get a response from them or Sofi at this point. I am purely depending on credit locks and freezes and my personal diligence to protect my finances. The hard inquiry on my credit still remains. Luckily, I dont believe any loans were generated as I reacted within minutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported inaccurate information on my account ( again ). It is indisputable that the information they furnished is incorrect, because even right now as you are reading this I am still less than 30 days past my XX/XX/XXXX due date. 

As you know, under CDIA 's reporting guidelines data furnishers are not allowed to report late payments to credit bureaus until a customer is at least a FULL 30 days past their due date, and it is illegal for them to knowingly report inaccurate information. I am a very reasonable person and I would understand if this was simply a mistake, but it is impossible for it to have been a mistake since the Metro 2 format does not have an option to report late payments that are only 1-29 days past due. So that means that XXXX XXXX XXXX blatantly and willfully ignored the CDIA 's credit reporting guidelines, which violates the Fair Credit Reporting Act, and NCUA 's UDAAP regulations. XXXX XXXX XXXX  wanton disregard for fair and ethical business practices is deeply concerning, this willful misconduct has caused me significant financial injury. Prior to their first erroneous report in XXXX my credit score was XXXX and I had a flawless history, but due to their incorrect report I no longer qualified to refinance my mortgage. That prevented me from being able to lower my APR, eliminate my PMI, and shorten my loan term, which cost me tens of thousands of dollars. 

Obviously this current error is conclusive evidence that XXXX XXXX XXXX willfully violated the Fair Credit Reporting Act and UDAAP regulations, so I plan to request e-OSCAR and report them to : the Federal Trade Commission, the National Credit Union Administration, the Consumer Financial Protection Bureau, the Colorado Attorney General, the Division of Financial Services, and every public business review site. However, my number one my priority is having my credit repaired to the pre-error status, so I will give XXXX XXXX XXXX until XX/XX/2021 to settle this amicably by removing both erroneous late payment reports from all credit bureaus and permanently writing-off the remaining loan balance ( for the financial loss I Incurred ), otherwise on XX/XX/XXXX I will proceed with filing reports to the aforementioned regulatory agencies and possibly file a civil suit.
Product: Credit card

I attempted to use my credit card to purchase airline tickets on XX/XX/XXXX. I have a {$5000.00} credit limit and it was all available I had no outstanding balance. The transaction was for {$2200.00} and was declined. The reason the bank gave was " fraud alert. '' I called TD Bank, it took 45 minutes and jumping through hoops to get them to unfreeze the account and allow me to use it. On XX/XX/XXXX I attempted to make a {$62.00} purchase at Target with my debit card from the same bank, TD Bank and the transaction was declined. 

This bank is the fraud. They have a faulty and phony algorithm. Their random use of " fraud alert '' is NOT TO PROTECT THE CONSUMER, it is a fraudulent system to protect themselves. They caused me embarrassment and XXXX I am XXXX XXXX XXXX, I have a XXXX XXXX, they are causing me stress for NO REASON AT ALL! This bank has done this to me so many times and they get away with it. They need to be held accountable for how they play with people 's lives. I go into the world with a certain secure feeling that if I have money in my account, if I pay my balance on time, if the credit limit is available - that I will be able to conduct commerce without stress and embarrassment.
Product: Credit card or prepaid card

Since the beginning of XX/XX/2019. I have always paid my credit card bill on time..I usually pay more than I am required.I pay between $ XXXX {$100.00} each month.I have noticed that my balance hasn't lowered with each payment.I have never ever been late with a payment.MY ACCT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XX/XX/XXXX I was contacted by a man who gave the name XXXX XXXX under the phone number XXXX, claiming to be part of the loan company XXXX offering me a low interest rate loan that I qualified for under a new XXXX-XXXX  partnership. Then using my identity he was able to access my XXXX XXXX bank  account and had unauthorized refunds issued by the bank by making fraudulent claims on multiple creditor accounts. Of note, XXXX XXXX has admitted that after hearing the recordings it was definitely not me, nor my phone umber. They never asked for a passcode or other security information to verify that it was in fact me. Also of note, the identity theft and fraud through XXXX XXXX had been over multiple days and involved more than 10 separate transactions ; totaling loss of {$7500.00}. As soon as I became aware of what was going on I immediately notified XXXX XXXX, the branch as well as the dispute office. I have written XXXX XXXX on this issue over five times and called well over 30 times ending up with the last report being filed in XX/XX/XXXX filed with claim representative XXXX XXXX report number XXXX, contact number XXXX. I was promised resolution within 10 days and never received any further contact Beyond the {$7500.00} in losses my credit score dropped over 250 points. XXXX XXXX never notified my creditors of my fraud and I have been denied over 8 separate occasions from opening a checking account. Lastly, XXXX XXXX has admitted that they never returned the fraudulent withdrawals from my creditors even though I immediately notified them of the fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a security breach in which 143 million people are at risk of having their credit compromised and worse yet there identity stolen. 

I am one of the one hundred and forty three million people that have been affected by this security breach. 

Equifax was made aware of this said breach on XXXX XXXX 2017 and did n't report this breach to the public until XXXX XXXX  2017. In the forty-four days they have known about this, I did n't receive not one notification that potentially my social security card, drivers license and other personal information was in the hands of thieves. I learned of the security breach through the media. 

This is a direct violation of section 501 ( b ) of the Gramm-Leach-Bliley Act and Ken. Rev. Stat. Chapter 365 The interpretive guidance states that a financial institution should provide a notice to its customers whenever it becomes aware of an incident of unauthorized access to customer information and, at the conclusion of a reasonable investigation, determines that misuse of the information has occurred or it is reasonably possible that misuse will occur. 

Customer Notice Customer notice should be given in a clear and conspicuous manner. The notice should include the following items : Description of the incident ; Type of information subject to unauthorized access ; Measures taken by the institution to protect customers from further unauthorized access ; Telephone number customers can call for information and assistance ; and Remind customers to remain vigilant over next twelve to twenty four months, and report suspected identity theft incidents to the institution. 

I now as a consumer whom never authorized this company to collect my information, am now subjected to having to endure financial burden of freezing my credit report, obtaining new credit cards/debit cards, and the anxiety of knowing that a copy of my social security card and drivers license is floating in an unknown person/people/group to use for their own purpose. 

Equifax has failed to protect me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX ,  2017 Feder al Trade Commission  Consumer Response Center   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX    XXXX   XXXX  : CREDIT COMPLAINT LETTER To Whom It May Concern : I am writing to file a complaint against  XXXX   XXXX   XXXX , Experian,  XXXX ,  XXXX .  <P/> For the last 2 months I have filed more than  XXXX  disputes against  XXXX   XXXX   XXXX , reporting of my car loan balance and as of this 60+ day mark the issue has not been resolved.  <P/> I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with  XXXX   XXXX   XXXX  to date. Today I received another letter from Experian stating that  XXXX   XXXX   XXXX  has properly investigated my balance and is still reporting my balance as {$19000.00} since  XXXX    XXXX    ( re cently updated in  XXXX  the same balance. I also received an alert from   XXXX   that my balance is {$19000.00} and has been so since  XXXX ,  2017 I con tinue to send the same documentation to the  XXXX , Experian and  XXXX  ; I have called   XXXX   XXXX   XXXX   and the representative was clear that my balance is not {$19000.00} as being reported by the company to the credit bureaus and the credit bureaus are not reviewing the documentation as they are supposed to. Enclosed I have copies of my auto loan statements from  XXXX ,  XXXX  and  XXXX  as you can see the statement dates are the  XXXX  of the month and no not show a balance of {$19000.00}. According to the FCRA I have a right to an accurate credit report and this is not accurate. If the credit bureaus refuse to report the information properly then I have a right to damages for non reinvestigation.  <P/> I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below.  <P/> Thank you for your assistance.  <P/> Sincerely,  XXXX   XXXX