23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

My wife and I walked into the XXXX XXXX M & T Bank branch in XXXX XXXX, XXXX NY to close all of our M & T accounts on file ( for myself and my wife ). We clearly stated our intentions to close all accounts and move on from this bank. After a half hour or so, we had exchanged cash where applicable in order to zero out each of our XXXX accounts. The banker told us we were completely closed out. We left the branch that day under the impression all accounts were closed per our discussion with the bank rep whose name is XXXX. A few weeks later we discover my wife 's " overdraft line of credit '' was in fact left open ( against our wishes ) and was now showing a negative balance of XXXX {$60.00}. The banker only actually closed XXXX out of XXXX of our accounts ( left my wife 's " overdraft protection '' line of credit open, even though the checking account it was linked to was closed ). So we immediately call the branch and we 're initially told its not possible to close the line of credit without coming into the branch. My wife explained to the rep its extremely difficult for us to come to this branch as its not close to our residence. Finally the rep says she will close the account and mail us a bill for the remaining balance on the account ( telling us that they waived a late fee ). 3 weeks go by and we do n't receive anything so we call again. This time we speak with a third rep who tells my wife to mail in a check for XXXX {$30.00} which will close out the account and we 're assured the account will actually be closed this time. We leave for a one-week vacation and when we return theres a letter from M & T Bank which is dated 3 days before our previous phone call and states that there 's an overdue balance of {$1.00} which at this point is 50 days past due and that this has been reported to credit bureaus. Sure enough we check my wife 's credit report and now see XXXX delinquent account on her report. This is the first and only delinquency on her credit report and her score has already dropped by XXXX points. We 've spoken with the branch manager named XXXX who is currently researching the issue has told us he 's not exactly sure if this is the bank 's fault and can not promise a reversal of the negative reporting to the credit bureaus. We firmly believe if the first banker ( XXXX ) had simply closed the overdraft line of credit the first time we visited the branch ( as we had asked for and assumed had happened ) there would be no issue and nothing negative to report to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, XXXX XXXX, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Checking or savings account

I am a small business owner, and one of my clients issued a bill pay check from Wells Fargo to pay an invoice. Upon receipt, the check was damaged ( See attached scan ), making all identifying information illegible except for the Wells Fargo contact information and the routing numbers on the bottom of the check both of which are legible. If I am unable to determine the amount of the check or the issuing individual, I can not contact the person and let them know that I have not been paid ( I am unable to deposit the check ). 

It is my understanding from Wells Fargo that they immediately remove the funds from the individual account and deposit it into a Wells Fargo account, so from the individuals records, it would appear that the monies have been withdrawn and the invoice satisfied. Wells Fargo has refused to issue a new check or to attempt to contact the individual who issued the funds. This was relayed to me by Wells Fargo staff at their corporate office as well as an individual who works at the XXXX branch in a meeting on XX/XX/XXXX. As of today, Wells Fargo has monies owed to me in their possession, and my client ( whoever that may be ) has no idea that they have an outstanding invoice.
Product: Credit reporting or other personal consumer reports

I have previously disputed this bankruptcy on my credit report with you, and in response, you verified the item as accurate, stating that you have verified the information with the court. I have the letter from the court stating they do not report to any credit bureau. Therefore, your initial response verifing the item with the court was an error. The reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681I ), And the information must be deleted immediately.
Product: Debt collection

In XX/XX/year>, I was evicted from a house owned by a bank but managed by a property management company. In court, a representative from the property management company provided accounting ledgers and gave a statement to the judge. The judge ordered an amount for me to pay and then sealed the proceedingsXXXX XXXX  months later, a company called IQ Data International put a new collections debt on all 3 credit bureaus for the full amount owed. They have spent the last year adding interest to this debt and now theyve reported a late payment on my credit reports. I have disputed this debt with all the credit bureaus and have attempted to explain that this debt has already been settled in a court of law. No matter what I have tried, this debt collector continues very illegal and predatory practices
Product: Debt collection

Hunter Warfield has be unable to provide proper documentation validating this account. 
I am seeking immediate action and for them to remove this inaccurate and negative information permanently from my credit report. I have asked for the company to send me verification of my original lease and all I have received is a copy of a lease without signatures from XX/XX/XXXX-XX/XX/XXXX. I have sent Validation Letters on XX/XX/XXXX ; and XX/XX/XXXX for this company to provide proper validation and I have yet received a response. This company has constantly called my personal phone lines and this is prohibited in the State of Texas. This account is effecting negatively on all XXXX credit reporting agencies. I have already notified all XXXX credit bureaus regarding this issue.
Product: Credit card or prepaid card

This is XXXX XXXX. I used this card to do my Experian credit reports and after the initial month cancelled it from the account as well as removed it from the account. A week later I was still billed for the service that I had cancelled which has caused me to be overdrawn. I have tried to call Experian to resolve this matter and can not get a live person on the phone. I do not want this service anymore and can't afford it. Stop rooting out old forms with my info and charging my. Refund my money and I'll be done with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed must be removed from my credit report immediately. They do not belong to me!!! I have filed several complaints I will now file a lawsuit. I was incarcerated during the time these accounts were open the XXXX XXXX XXXX until XX/XX/XXXX. It is IMPOSSIBLE FOR THEM TO BELONG TO ME Account Bal : Opened : 1 ) XXXX/XXXX  {$0.00} XX/XX/XXXX 2 ) XXXX/XXXX  XXXX  {$0.00} XX/XX/XXXX 3 ) XXXX XXXX  XXXX XXXX {$6.00} XX/XX/XXXX 4 ) XXXX   XXXX  {$770.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer name : XXXX XXXX, consumer social security XXXX, Consumer Date of birth : XXXX XXXX, Contents of complaint : This CFPB Complaint has been filed to request pursuant to FCRA 605V ( 15 U.S.C 1681c -2 ) that you, the XXXX Reporting Agency , Block information appearing on my consumer Credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX LVNV FUNDING LLC ( Account number XXXX ) Date opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Date opened XX/XX/XXXX LVNV FUNDING LLC ( Account number XXXX ) Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX LVNV FUNDING ( Account number XXXX ) Date opened XX/XX/XXXX Late payments remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX THESE ARE THE LATE PAYMENT DATES ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) XXXX ) INQUIRIES XXXX Inquiry dateXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX Credit report. I've attached a list of the hard inquiries and collections as well as a copy of my consumer report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries as reported. The aforementioned accounts. collections, and hard inquiries appearing on my consumer XXXX Credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are a result of Identity Theft and fraud. I have attached a copy of FTC identity theft Criminal Complaint # XXXX as proof from the US Federal Trade XXXX that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, or personal loan

I received a loan from MoneyLion in XXXX. I paid off the loan XX/XX/XXXX. The company is constantly reporting late payments on my credit report even though the loan has been paid off. You can't get through the line to get to customer service I've sent in several emails and it takes two weeks for a response. I've sent in the receipt numerous of times and I'm still not getting a response from this company. I would like this account removed from my credit report because it's affecting me with purchasing a home.
Product: Credit reporting 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. 
Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX CAP XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Has violated my rights. I looked at my credit report XXXX XXXX and noticed all the inaccurate information. And according to the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report it shall follow resonable procedures to assure maximum possibe accuracy of the information concerning the individual about whom the report relates according to 15USC 1681 ( e ) ( b ). And according 15 USC 1681i 5 they are supposed to do this ( 5 ) treament of inaccurate or unverifable information. ( A ) In general if after any investigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information from the file of the consumer or modify that item of information is found to be inaccurate or complete or can not be verified, the consumer reporting agency shall ( 1 ) promtley delete that item of information from the file of the consumer or modify that item of information as appropriate, based on the results of the investigation and ( 2 ) promptly notify the furnisher of that information that the information has been modifed or deleted from the file of the consumer. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple tradeline-credit reports of the same student loan disbursement by two or more loan servicers [ =tradeline reporters ] are unlawful being duplicate reports of one loan by one-and-the-same lender ( here, XXXX XXXX XXXX ). That is, it is unlawful for one lender, XXXX XXXX XXXX, to duplicate credit report the same loan simultaneously through more than one of XXXX XXXX XXXX subordinate/agent loan servicers, here, coincidental credit reports of one loan by both XXXX and XXXX XXXX. The lender for my federal student loans, legally distinct from mere loan servicer, is identified for each of my federal student loans in the National Student Loan Data System ( hereinafter, NSLDS, respective loan photocopy record pdf attached ). Duplicate loan reports by a single lender, XXXX XXXX XXXX, are unlawful because duplicate loan reports double/more-than-double borrowers credit-reported-debt for each loan duplicated in the borrowers credit report. The borrower is not liable to pay unlawful duplicate-credit-reported debt, but said illegal duplicate report materially adversely impacts said borrowers credit worthiness ( higher interest rates, less favorable loan terms, etc. ), and lowers credit score. In my case, duplicate/triplicate-loan-servicers ( s ) -reported student loan debts make it impossible for me to obtain even minimal new credit from any bank/lender, i.e. despite no adverse credit act in my life, and middle class US-government-paid income, I am denied any new credit. Reproduced below are the duplicate reports by XXXX ( prepayment loan servicer, i.e. no payment was owed to XXXX/no payment was made to XXXX ) and XXXX XXXX ( hereinafter, XXXX, current loan servicer, to which repayment installments are made monthly ) of same disbursement/student loan reported in my most recent, XX/XX/XXXX, XXXX, Experian and XXXX ( hereinafter, Credit Reporting Agencies or CRAs ) Credit Reports : ( See two tradeline pdfs attached from XXXX and XXXX. ) It is evident from these two tradeline-reports within one CRA credit report for the same {$20000.00} student loan disbursement, that my actual legal liability ( now after 76 monthly payments to XXXX ) on said loan is less than {$11000.00} ( 3 payments through XX/XX/XXXX, not shown ). Nonetheless, XXXX, a former servicer/never lender not owed any payment, illegally duplicate reports this one XX/XX/XXXX student loan, so my credit report currently reflects more than {$31000.00} debt for said one loan, more than {$20000.00} of which is XXXX fictitious unlawful duplicate reported debt I do not now/never owed. 
I have repeatedly disputed said unlawful duplicate reporting of my student debt to CRAs and XXXX, to no avail. To date, CRAs temporarily delete XXXX disputed tradeline then illegally reinsert it at XXXX unlawful oft repeated request. As legal lender and principal of both its agents, XXXX and XXXX, XXXX XXXX XXXX obviously bears ultimate legal responsibility for the actions of loan servicers acting in clear violation of federal law for benefit of XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : THERE IS INFORMATION THAT ON MY CONSUMER REPORT THAT IS A RESULT OF IDENTITY THEFT. I DID NOT PROVIDE WRITTEN PERMISSION OR INSTRUCTIONS FOR THE IDENTIFIED TRANSACTIONS TO BE REPORTED ON MY CONSUMER REPORT. I AM REQUESTING THAT THE REPORTING OF THS INFORMATION BE BLOCKED AND DELETED MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK THE IDENTIFED TRANSACTIONS. THE IDENTIFIED TRANACTION ARE NOT INFORMATION RELATED TO ANY TRANSACTION BY ME AS THE CONSUMER. 
( 1. ) XXXX XXXX XX/XX/XXXX ( 2. ) XXXX XXXX XXXX ( 3. ) XXXX XXXX  XX/XX/XXXX ( 4. ) XXXX XXXX  XX/XX/XXXX ( 5. ) CAINE & WEINER COMPANY INC. XX/XX/XXXX ( 6. ) CAINE & WEINER COMPANY INCXXXX XX/XX/XXXX YOU ARE REQUIRED TO DO WHAT I AM ASKING AND BLOCK THESE TRANSACTIONS FROM BEING REPORTED TO MY COSUMER REPORT WITHIN 4 DAYS FROM THE DATE OF THE RECEIPT OF THIS NOTICE. I LOOK FORWARD TO YOUR RESPONSE. 
THANK YOU
Product: Credit card or prepaid card

I was contacted XX/XX/2018 by a Navy Federal Representative in the collection/payment servicing department. I made arrangements to pay the account on the XXXX via an ACH debit. I was told that would prevent my account from being late. The transaction never debted my account and I contacted Navy Federal on XX/XX/XXXX in regards to the 30 day late they reported on my credit. I was advised that they had no record of my payment arrangements.I was inaccurately reported late and advised each representative that I was closing on my home after building it for over a year and that I could not afford the late on my credit. I was trying to juggle my wife being sick and not working anymore along with paying all of the bills, all I was requesting was to be granted enough time to make the payment and they did not honor the payment arrangement we had made. I called in again XX/XX/XXXX. 2018 and spoke to a XXXX in the collections department he was very rude and condescending he spoke to me in circles and never honored my request to speak to a supervisor after asking 6 times. I am now unable to close on my home and about to go into foreclosure on the loan. I have contacted Navy Federal numerous times and no one is willing to allow me to speak to a supervisor or their Executive Office. I have never been late on this card and paid every month.
Product: Checking or savings account

I recently moved, and I've changed my address with Chime Bank. I've submitted the requested documents on several occasions, and they continue to re-ask for the same documents. Due to this poor customer service, I've closed the account, and they owe approximately {$300.00} ( money in the account at the time of closing ). Below is a sample of one of their emails to me. 

Thanks, XXXX XXXX XXXX XXXX XXXX, Here XXXX! I do apologize for the hassle. I can assure you that this is not the experience that we want for you. Unfortunately, we are not able to accept it since the documents submitted are not valid bills and are not submitted in the format requested. 

To allow me to proceed to update this information, please submit a clear photo of your proof of address showing the XXXX corners, unfolded, dated in the past 30 days, and under your name. Once you have shared this information, I will be able to proceed. Additionally, if you would like to get personalized support via phone, you can call us at XXXX. Unfortunately, we are not able to complete outbound calls to our members. I do apologize for the hassle. 

I look forward to hearing from you. 

Thanks, XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 Chase bank Closed My business checking Account without warning. I was locked out of my account and could not gain access to it. I called the number that was shown to me on my app and waited to hours to speak with a representative. Only to be told that my account is restricted and that it would be closed in 10 days. I was told that they would not be giving me any explanation as to why this was occurring and that they had the right to close it without notice or explanation. I was told that my buisiness is banned from ever doing any business with chase. I have tried to contact different people at chase and no one will give me an explanation as to what is happening. The account has approximately XXXX $ I had a pending rent payment which was denied by chase and now I have been charged with XXXX $ in fees by my land lord do to the cancelled ach transaction.
Product: Payday loan, title loan, personal loan, or advance loan

I have reached out to HealthCare Direct Financial on several occasions to get an audit done on my account since all of a sudden {$75.00} worth of fees were assessed. They have not provided that information although it's been requested three times. I also asked for them to review my last billing cycle statement for XXXX since there was no fees assessed. I did go ahead and threw the physical paper out if not I would of been able to provide the document. I did ask where these were coming from. According to them they were chargeback fees that happened in XXXX. I never called for no chargeback. That couldn't possibly make sense since the screenshot I have is showing next due for XX/XX/2024 & no fees and when I log in now it states " current '' next due XX/XX/2024. They are charging fees that they can not give me proper documentation on. On top of that if a payment were to decline on the 2nd day when its due & I still make it on the second day. They try to assess a " late fee ''. A late fee can not be assessed when it's being paid the due day. Neither can a NSF be charged if using a debit card, because I am not using a bank account. I only switched up until last month to my checking account.
Product: Mortgage

On XX/XX/1998 I purchased a house on XXXX XXXX XXXX, XXXX XXXX, VT XXXX. At the time my mortgage company was XXXX XXXX which bought XXXX XXXX in 1998 and assumed the name XXXX XXXX ) the previous owners at the time were XXXX and XXXX XXXX and the mortgage company was XXXX XXXX XXXX, and that mortgage company didn't discharge the loan with county in Vermont. I'm currently in the middle of trying to sell my house and the title search company was the one that found the error. There were apparently 2 successor banks dueling over who was the proper interested lender. XXXX XXXX had the original mortgage and they merged into XXXX  XXXX XXXX. However, there was a purchase at some point by Chase of certain accounts. So Chase and XXXX needed to decide who could handle the matter. The mortgage references both XXXX XXXX XXXX, which became XXXX  XXXX XXXX, and XXXX XXXX XXXX XXXX, which became Chase. However, both Chase and XXXX are telling me they have no record of this mortgage and need evidence of the payoff. Right now I'm out about {$7000.00} dollars because of this error and it doesn't seem like Chase who bought that account is trying very hard to resolve this matter.
Product: Credit card or prepaid card

Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections in my report.
Product: Vehicle loan or lease

SANTANDER financed me with a predatory loan. I financed {$26000.00} in 2016 for a vehicle. I have paid {$750.00} a month for 3 years ( {$27000.00} ) and the balance I owe to date is {$28000.00}. Nothing I paid has gone to the balance of the loan. Account number XXXX.
Product: Debt collection

I have no knowledge of this account and have never conducted any transactions with [ Creditor ]. I have reviewed my financial records, and there is no history of this debt in my name. I believe this may be a case of mistaken identity or inaccurate reporting