23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Im Disputing the original loan amount - Experian report {$7600.00} XXXX XXXX report {$12000.00} im disputing incomplete payment history from XXXX XXXX XXXX this account been open since XX/XX/XXXX and the first payment history was recorded in XX/XX/XXXX im disputing missing notice of dispute from XX/XX/XXXX im disputing the past due of the account Experian report its {$7900.00} XXXX XXXX report {$8800.00}
Product: Credit card or prepaid card

My complaint It's about Target red card overcharges I have attachments for proof I put them in order to the best I could The 1st 8 Attachments are screenshots from my target record of purchase history From XX/XX/XXXX to XXXX of XXXX All my purchases add up to {$660.00} The last attachment is a statement that I got from my bank ( XXXX XXXX ) added up all my payments to target from XX/XX/XXXX until now which adds up to {$740.00} is how much I've paid plus {$30.00} payment made later that day XX/XX/XXXX which adds up too {$770.00} paid.. I spoke with customer services today ( XX/XX/XXXX ) and I explained to him about the charges so I asked him to give me the round amount of all the interest fees counted up from XXXX to now XXXX, he stated that it was a {$120.00} So I went over the figures with him several times and I added the {$120.00} to the ( All of my purchases total/ $ XXXX XXXX - XXXX ( subtracted ) is my whole payments amount to them totals {$15.00} they claim that my balance owed is {$280.00} so after the customer server kept trying to say its the Interest fees I asked to speak with his manager When he got the phone I explained to him the same thing the amount that I paid From XXXX until now I even broke it down to him that I wasn't purchasing anything every month there were 2 to 3 months in between my purchases but my payments were still made and I also deducted the interest fee so he even agreed that it came out that {$15.00} is the balance..But then he tells me that he can't hear me on the phone he kept saying hello hello but I could hear him, then he stated that " all he can do is credit me {$7.00} that's it I still have to pay the whole amount of the {$280.00} and hang up the phone.. Today was my 3rd attempt to settle this matter with Targets customer service reps and managers.. So that's why I'm putting in this complaint here today...
Product: Credit card

My account was on an automated monthly payment schedule. Unbeknownst to me, the automated payment ceased and the minimum monthly payment increased. As soon as I realized, I contacted Bank of America who refunded XXXX late fees and increased the monthly payment. Unfortunately, they apparently did not increase the monthly payment enough and the account went delinquent again and incurred additional late fees. I have tried having these late fees removed multiple times and keep getting denied. In addition, Bank of America reported my account as delinquent the credit bureaus. I have called 3 or 4 times and keep getting told they will request the fees be waived. Then I get a non specific letter saying, " After careful consideration, you recent request has been denied. '' I have done everything I can to keep this account current and feel these penalty fees should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and XXXX all showed my name and report as having an account with Citibank Credit Cards. XXXX dispute was good and the bad information was removed. XXXX will not answer the phones and the on line service will not function at all.
I have contacted Citi Cards and they say they can not talk to me about the account because I am not on the account and they can find no record of an account in my SS #. I asked for a written statement to that effect and they told me I had to dispute it through the individual bureaus. I have done it and all but XXXX have fixed it. 

I sold my house and now can not get a mortgage due to this error. How in the heck do I fix it?
Product: Debt collection

This is not my account. I have no knowledge of this account 15 usc 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. 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 matter as soon as possible. Thanks so much!
Product: Debt collection

Portfolio Recovery is contacting me about a debt from XXXX  which was already " removed '' from my credit report. It was a debt with XXXX XXXX, and I have a account with XXXX XXXX today in good standingXXXX XXXX XXXX is XXXX on debt collection.
Product: Money transfer, virtual currency, or money service

Hello my name is XXXX XXXX. On XXXX XXXX I received a text message from the chase fraud team stating there was a {$490.00} transaction at a XXXX XXXX XXXX in XXXX Florida. I live in Michigan so I was nowhere near XXXX. I immediately responded to the text message by answering NO. I than received a reply saying I will be contacted soon. I received a called from XXXX. The person on the other end states they were a supervisor at the chase fraud department. They said that there were multiple transactions another one for {$9900.00} and 2 wire transfers for {$50000.00}. The person on the other end stated his name was XXXX XXXX. He told me and explained to me that he wanted to REVERSE the transactions and took me step by step on how to do it. He than asked me to provide him with the one time code twice because it was sent to me. The phone call lasted for over a hour while he was trying to REVERSE the money. He than said he will call me on XXXX XXXX. Which was a Saturday we talked for a few mins and I was advised that XXXX get a call back. On Monday XXXX XXXX. I received a call again but while I was on the phone I noticed money coming out of my account since I sign in daily on my mobile app. Than I received a call from THE CHASE FRAUD DEPARTMENT saying to hang up and that there is unusual stuff happening in my account. I immediately hung up on the other person. I than went into a chase branch closed my personal account my personal savings and personal business. I filed a affidavit and a police report in the next two days. I waited for about a week just to get a message from chase saying that I was at fault for providing the CALLER the ONE TIME CODES I explained to them that I was clearly scammed. It showed exactly to whom the money was wired and into which banks and the chase fraud department still blamed me. In other words the easiest thing is to always blame the client since they cant CATCH the criminals doing this. I am confused lost at words. Not sure what to do. A {$100000.00} gone in minutes. I explained to them since they blamed me how come they didnt NOTICE anything unusual on time. They couldnt answer me. I dont explained to them that I just want my money back. My hard working money that Ive been saving all my life. In other words theyre blaming me while rewarding the criminal. Its funny because if I was to go into a branch to ask for {$5000.00} of my money .They would ask me a ton of questions but they wont even notice a wire fraud and reward a criminal within minutes with everything Ive ever saved. Please help me someway somehow if possible. I am really at a point where I dont know what to do anymore. I did everything that was asked of me and Im still being blamed for everything.
Product: Checking or savings account

XX/XX/XXXX I received a letter from JPMorgan Chase Bank ( Chase ) that it decided to close my checking account. I immediately contacted Chase for an explanation. I was told it is their right to close accounts without explanation. I immediately contacted the Social Security Administration ( SSA ) to change my retirement benefit direct deposit from Chase to a different bank however that will not go into effect until XX/XX/XXXX, however since I notified the SSA prior to XXXX I was hoping the transfer would go into XX/XX/XXXX. XX/XX/XXXX I contacted the XXXX to track the funds since it did not appear in the new account as I had hoped. XX/XX/XXXX I contacted Chase to ask if it received the funds, I was told no funds were received nor pending. XX/XX/XXXX I recontacted XXXX who traced the payment and confirmed the funds were sent to and received by Chase on XX/XX/XXXX. XX/XX/XXXX XXXX recontacted Chase to be told no however after I stated XXXX traced the payment Chase miraculously located the transaction. XX/XX/XXXX I met with a Chase branch XXXX who contacted corporate at which time we were told a check was mailed to my address on XX/XX/XXXX. XX/XX/XXXX I followed up w/Chase via telephone, explained the situation, to be told the funds were " released '' and I should go to the branch to pick up a cashier 's check. I drove to the branch to be told : ( 1 ) the funds were returned to the SSA, ( 2 ) the person I met with on XX/XX/XXXX happened to be present so he took over, ( 3 ) that person contacted corporate to be told a check was mailed to my address on XX/XX/XXXX and would take XXXX to XXXX business days for receipt. I need my money now. The bank has the funds- they should immediately release the funds. I have been patiently waiting from my money that is very much needed to pay bills that are currently due. 

Chase provided false and misleading information about not only receipt of the funds, but status of the funds. I was told ( 1 ) funds weren't received, ( 2 ) then told the funds were received, ( 3 ) a check was mailed XX/XX/XXXX, ( XXXX ) then told I could go to the branch to pick up a cashier 's check, and after wasting my time and gasoline, ( XXXX ) told I could not get a cashier 's check from a closed account and that the check was mailed XX/XX/XXXX. Which is it? I now question whether the check was actually mailed on XX/XX/XXXX. I now believe Chase will wait out the XXXX - XXXX business days to actually release my funds to which it is not entitled.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have had this mortgage for almost 8 years now, previously with State Bank. 
State Bank was bought out by Cadence Bank and my mortgage now keeps changing. I went from a 3.75 % interest rate and it has adjusted several times, most recently all the way up now to 6.375 %. 
When I called the bank they said it was based on Wall Street, however interest rates are lower than they've been so while the rest of the nation is seeing rates drops, my mortgage keeps raising my interest. My payment for almost 8 years was $ XXXX {$2800.00}. I just got my most recent statement and it spiked all the way up to {$5600.00}. This does NOT include insurance and taxes which is another {$2000.00} month for me. I'm not able to pay this much and don't know why my mortgage jumped so high! When I called they said it was because it was interest only and now principal is being applied, but I never had an interest only loan. I had always had principal and interest with my original loan. I don't know why or how it is legal for Cadence Bank to make these changes that are detrimental to my home. I can not afford this mortgage based on what they have done and I'm afraid I will loose my home if this doesn't get resolved asap!
Product: Money transfer, virtual currency, or money service

I believe that it was mistake to close my Paypal account. I am using my Paypal account for my XXXX XXXX XXXX XXXX XXXX since XX/XX/2021. My Paypal account Title is XXXX XXXX, Yes! I am a XXXX XXXX XXXX but whene the covid19 lockdown, I stop my Job as a XXXX XXXX thats why I became an XXXX XXXX XXXX XXXX XXXX My paypal account XXXX has stuck funds in it that I have to withdraw asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds Thank you and Godbless. 

For Identity verification I attached my valid ID. Please see attachment.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the cre
dit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Product: Vehicle loan or lease

I am seeking the following relief : 1. Loan Cancellation or Renegotiation : Immediate cancellation of the auto loan or renegotiation of the terms to reflect a fair and reasonable interest rate that complies with New York States usury laws and industry standards.

2. Refund of Excessive Interest and Fees : Refund of all excessive interest charges and fees paid to date, as the current interest rate of 22.87 % is excessive and potentially unlawful under New York law.

3. Compliance Assurance : A detailed explanation of how the loan complies with all state and federal lending regulations, along with updated documentation to ensure transparency and compliance going forward. 

This relief is requested to resolve the financial burden caused by predatory lending practices and ensure compliance with the law.
Product: Debt collection

I continue to receive bills from the United Collection Bureau for XXXX XXXX. I have requested in writing that the United Collection Bureau to stop contacting me per CFPB guidelines and instructions and continue to receive notices. They said they would stop contacting me then the identity theft debt was transferred to another collection agency, I contacted them to stop contacting me in writing again, and then the identity theft debt must have been transferred back and now I am receiving notices from United Collection Bureau again
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : 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
Product: Credit reporting or other personal consumer reports

It appears that I was a victim of the Equifax data breach. I was able to acquire proof that Equifax has admitted that I was in fact a victim of this data breach and nothing has been done about it. I attached proof that Equifax confirming that I was a victim of this data breach along with a letter that details the accounts in question.
Product: Credit reporting or other personal consumer reports

I am writing to report fraudulent activity on my credit report involving several accounts and inquiries. Here is a detailed description of what happened : XXXX. Auto Loan : XXXX XXXX XXXX  ( Opened : XX/XX/XXXX, Balance : {$10000.00} ) : This account was fraudulently opened without my authorization. 
XXXX. Student Loans : U.S. Dept of EDXXXX ( XXXX : XX/XX/XXXX, Balance : {$2200.00} and {$3600.00} ) : These accounts were fraudulently opened in my name without my consent. 
XXXX. Personal Loans : XXXX XXXX XXXX XXXX ( Opened : XX/XX/XXXX, Balance : {$1000.00} ) : This account was opened fraudulently. 
XXXX XXXX XXXX ( Opened : XX/XX/XXXX, XXXX : {$360.00} ) : This account was fraudulently opened in my name. 
XXXX. Inquiries : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) : Unauthorized inquiry. 
XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) : Unauthorized inquiry. 
XXXX XXXX ( XX/XX/XXXX ) : Unauthorized inquiry. 
XXXX XXXX XXXX ( XX/XX/XXXX ) : Unauthorized inquiry. 
XXXX XXXX XXXX  ( XX/XX/XXXX ) : Unauthorized inquiry. 

These accounts and inquiries were not initiated or authorized by me. I have already taken steps to dispute these fraudulent activities with the credit reporting agencies but have not yet received a resolution. I am requesting that these fraudulent items be investigated and removed from my credit report immediately. 

Thank you for your prompt attention to this serious matter.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX United Auto Credit XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Email : XXXX Subject : Request to File GAP Insurance Claim & Provide Documentation XXXX XXXX XXXX Loan Account Number : XXXX Dear United Auto Credit, I am writing to formally request assistance in filing a GAP insurance claim related to the repossession of my XXXX XXXX XXXX, which was financed through your company. The details of my loan and vehicle are as follows : Loan Account Number : XXXX Vehicle Information : Make & Model : XXXX XXXX XXXX XXXX Date of Repossession : unknown As part of the GAP insurance claim process, I am requesting the following documents from United Auto Credit XXXX XXXX my claim : XXXX. Repossession notice ( confirming the date of repossession ) XXXX. XXXX balance statement ( showing the remaining balance after the auction sale ) XXXX. Loan payoff statement ( prior to repossession ) XXXX. Vehicle sale/auction statement ( documenting the auction sale amount ) XXXX. Copy of my original loan agreement XXXX. Any other relevant documents required to complete my claim Please initiate the necessary steps to file my XXXX insurance claim or provide me with the correct contact information for the XXXX insurance provider associated with my loan. If additional actions are required on my part, kindly notify me at your earliest convenience. 



I would appreciate a written response within XXXX business days confirming the status of my request. You XXXX send the documents via email to XXXX or mail them to my address listed above. 



Thank you for your prompt attention to this matter. Please contact me at [ Your Phone Number ] if you need any further information. 



Sincerely, XXXX XXXX
Product: Debt collection

Was on XXXX assistance and any related charges were to be covered by them not me
Product: Checking or savings account

I opened a new business account with a local Suntrust branch back on XX/XX/2017. I already have a personal checking account with Suntrust for several years now. When I initially opened the account I made a {$100.00} deposit and was instructed on what the fees were for monthly charges, bank wires etc. I only had 2 transactions through this account period I made 2 wires through the bank to acquire a investment property for the business. I was told the wires would cost {$35.00} each. No other fees would be required as I was told there was a current promotion for new accounts where monthly fees were waived for the first year. I thought that's great! So I was initially happy and satisfied with the new account and service. Now fast forward one month and I get a overdraft notice from my bank. I am overdrawn by {$160.00}. I logged into my account to see that I was charged an account Analysis fee of {$180.00}. I immediately called the bank rep who opened my account and could not initially get in touch with her. I finally got a call back a week later and was told to come into a branch to discuss. I came in and was told I needed to speak with a branch manager but she was not there that day. I got a call a few days later from the branch manager who made an appointment for me to come in and talk in a couple of days. I took off work early to go into the branch and spoke with her and took about 45 mins with her on the phone with customer service to try and get the fees reduced. She advised me that I was signed up for a service that requires higher fees. I explained to her that I did not need any service and that I only signed up for a simple checking account. I told her I had to leave to get my grandson from school and she assured me she would get it all straightened out and call me shortly. Well I never received a call from her. So I went back into a branch the next morning after taking off more time from work and spoke with a bank rep who told me the manager was not in and I would have to make another appointment with her. I am getting frustrated at this point and told the rep to please leave a message for the manager to please call me asap. I was assured that the message would get sent. I also called her cell phone and left a message with her as well. Well fast forward 2 weeks have passed and I am getting nothing but run around and no calls returned, My bank is still overdrawn with fees that I did not authorize. I told one rep I wanted to close the account but am told I can not do that until I pay the overdraft fees and bring the account to a XX/XX/XXXX balance. I have only had this account opened for 3 months and only did 2 transactions through it and I'm being charged outrageous fees and. I feel like they are extorting fees from me as I can not even close the account to prevent more fees from accruing. I want the fees refunded and my account closed asap I will take my business elsewhere.