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

Hello, On XX/XX/2022, I visited Chase bank on XXXX, XXXX, IL for a transfer from my saving account to the checking. 

A red overdraft fee mention displaying on my screen at home prevented me from doing at home online. 

After I informed the cashier that I did not do it online in order to avoid the overdraft fee, and requested him to transfer money from my saving to the checking, he did not tell me, after I transferred {$1000.00} to my checking account, keeping only {$5.00} on my saving account should trigger non sufficient fee of {$5.00}. 

Days later, the remaining {$5.00} were taken for " Savings withdrawal limit fee '', leaving my account at {$0.00}. 

Days later, I requested one of the manager to explain and refund the {$5.00} taken, he told me that fee is written in the papers they gave me when I opened that account, more than 10 years ago. 

I tried to avoid any overdraft fees by not doing it on my own at home, but the agent who served me on XX/XX/2022, aware of my concerns, did not help and educate a customer in ways of avoiding the said fee. 

Even though it is just {$5.00}, I think that attitude from the cashier, the manager, and Chase bank itself is unfair. Until when Banks will continue to take advantage of ignorant people?
Product: Credit reporting or other personal consumer reports

I have sent multiple dispute letters to the agencies claiming that I owe a debt. I was unaware of who these agencies were, so I requested proof and validation of the alleged debt and proof they can collect on this debt. I sent these letters via certified mail, but I have not received any validation in response. This issue has been ongoing for over a year, with no resolution. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Caine & Weiner- {$590.00}
Product: Mortgage

Prior to XX/XX/XXXX, our escrow amount was about XXXX to pay property tax of XXXX for the year and home ins. Mortgage company conducted an Escrow Analysis on XXXX and recorded our " Last 12 months '' of property tax as XXXX. That is false. Our property tax was {$3800.00} and paid by mortgage company for that amount. The projected amount for the next XXXX  months ( property. Tax ) is {$4200.00}. They have created a larger jump I'm tax difference so they can claim we have a shortage, thus, increase our monthly escrow amount. Our escrow amount is now $ XXXX! I have talked with Mortgage company XXXX, XXXX XXXX, XXXX to alert them of the fraudulent figure and challenge the analysis. They ran circles around the point, claimed there is a shortage, failed to admit their own escrow analysis was faulty based off the " last XXXX  month tax '' and only focused on the increase in tax. They are not furnishing the correct XXXX tax amount in their Analysis and are ignoring the issue.
Product: Credit reporting or other personal consumer reports

This evening, I was stunned to see that my credit report now shows incorrect accounts, and Im completely baffled as to why. Ive always been diligent about checking my report, but suddenly, these errors appeared. I even tried refreshing my browser to rule out a technical issue, but nothing changed. Im asking for a thorough review of the documents I provided, so I can stop worrying about this once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I submitted to the CFPB a complaint about XXXX XXXX, XXXX ( XXXX ). They attempted to collect an invalid, not owed, debt from XXXX XXXX. In response to complaint ID No. : XXXX : XXXX responded in a letter dated XX/XX/2018 : XXXX has closed the account and will conduct no further collection activity regarding this matter. XXXX has requested its entry be removed from your credit report. 

While XXXX XXXX was unaware of this complaint and its resolution, on XX/XX/2018, it again placed a negative item on my report that had just been removed earlier this year. And XXXX XXXX SHOULD HAVE THE ABILITY to identify recently removed reports and then query the creditor or its representative as to why this item is once again being reported - before placing the recently removed item BACK ON a clients report. 

In other words, XXXX XXXX should ask XXXX : You removed this item in XX/XX/XXXX. Why are you again placing this item on this individuals report in XX/XX/XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to rectify this in correct address on my credit report for XXXX, XXXX, and experian. I attached a copy of my social security card and utility bill showing my address that I have had for several years. This is my final attempt! I have attached the information. XXXX XXXX XXXX XXXX is not my address and never was. My last name is XXXX I called these credit card companies and they have a different person for these credit cards it is not XXXX XXXX. I live in XXXX XXXX! Remove this address immediately from my credit reports! DO NOT SEND ME SOME PRE-MADE LETTER STATING IT IS VERIFIED! E-OSCAR IS A AUTOMATED SYSTEM AND CRAs USE CODES TO VERIFY NOT A LIVE PERSON. THIS IS THE ADDRESS THAT NEED TO BE REMOVED : XXXX XXXX XXXX XXXX, XXXX, OHIO XXXX THESE ARE THE ACCOUNTS THAT NEED TO BE REMOVED : 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
Product: Vehicle loan or lease

On XX/XX/15 I obtained a car loan from XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. I obtained this car loan with my sister, XXXX XXXX, as my co-signer. 

When I went in for the loan, the dealer was very pushy and spoke very quickly about what it would take and what I would be charged, and my interest rates. He said all of this very briskly and quickly began to draw up the paperwork. He stated that I only needed my sister to co-sign and that it did not matter that she was not employed. I trusted the dealer to stay true to his word. 

I was rushed and pushed to sign the paperwork very quickly with my sister, and was not given time to look over the information and the percentages that we spoke about. After I left the dealership, I began to look into the paperwork. 

In the paperwork, the dealer stated that my sister was working and had a job. That was completely fraudulent information. He also stated that I made more money than I actually made from my supplemental part time job. The percentage rate, 19.63 %, was not what we discussed in the office. Also, I was given fraudulent information that I could renegotiate the loan after a year to a lower rate with the same bank. 

I recently learned that XXXX XXXX was shut down and that several employees and the owners were arrested under a Federal Investigation for creating and producing fraudulent loans, predatory lending practices, and supplemental information for the loans. I firmly believe that I was a victim to this and that my loan is a result of predatory practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past couple months I been very overwhelmed with this situation. The credit bureaus have been ignoring my right. This company is reporting inaccurate misleading information I have spoke to the creditor and verify the information. I have spoken to the credit bureaus and they keep takings me in loop around with no answer or any verified information. Im have stayed up countless our and spend over 100 hours trying to figure out this situation. The credit bureaus have not been taking any action to resolve this dispute but sent me to there E Oscar system. This action is really hurting my ability to get credit. This mistake can cost me a few thousand of dollars Over my lifetime. Plz help me solve this situation.
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite XXXX notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within XXXX ( XXXX ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( XXXX ). 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, XXXX, XXXX Employer - STUDENT Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged 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 Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX XXXX - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Vehicle loan or lease

In XX/XX/XXXX I purchased a used XXXX XXXX. Later that year in XXXX, I co-signed for my younger brother, XXXX XXXX, to purchase a XXXX XXXX XXXX. All payments for the XXXX were paid by my younger brother, and he paid off the loan. Because I surrendered my XXXX, although on a separate loan, XXXX XXXX will not release the title for the XXXX to my brother. I think this is wrong, since he did complete the loan and make all payments. As I said, these were not on the same loan, and my decision to surrender the XXXX should not impact my brother 's ability to trade in or sale the car that he paid for.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint and Request for Investigation and Removal of Unauthorized Charge-off. XXXX XXXX ACCOUNT I am formally disputing and request the immediate investigation and removal of unauthorized and inaccurately reported charge-off entries by a third-party collection agency on my credit report. These entries have severely affected my financial standing, disqualifying me from securing a home mortgage, an auto loan, and any lines of credit. 
It is critical to highlight that I have never entered any contractual relationship with this collection agency. Their actions to report on my credit without a direct agreement are not only baseless but also infringe upon my consumer rights, constituting a clear violation of multiple legal standards pertaining to credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The reporting of charge-offs, which are essentially certificates of indebtedness that I have never agreed upon, appears on my credit report without my authorization. This action is in direct violation of the principles that govern lawful credit reporting. 
2. **Failure to Furnish Form 1099-C** : The collection agency has also failed to provide me with a copy of Form 1099-C concerning the cancellation of debt, which is essential for accurate tax reporting and compliance. This omission has potentially placed me at risk of non-compliance with IRS regulations. 
3. **Violation of Privacy Rights** : Under the Privacy Act of 1974

( 5 U.S. Code 552a ), there is a stringent protection against the unlawful disclosure of personal information. The agency 's action contravenes these legal provisions by disclosing personal financial details without my consent. 4. **No Contractual Relationship** : As I have never signed any form of agreement with the said agency, their report constitutes a direct infringement on my rights as a consumer. 5. **Opt-Out Rights** : In accordance with the provisions of 12 CFR 1016.1, 12 CFR 1016.4, and 12 CFR 1016.7 along with 15 USC 6802 ( b ) and 15 USC 6805, I am formally opting out of all authorizations, whether impliedly granted, for sharing or reporting my credit information. Given these points, I urge you to act swiftly in investigating these claims and remove the inaccurat
e charge-off entries from my credit report. I expect a written confirmation of the deletion of these entries. Please understand that I am prepared to take further steps, including legal action, if necessary, to ensure the correction of my credit information and to protect my rights. Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report regarding an account with Capital One. On XX/XX/year>, I requested a Form 1099-C ( Cancellation of Debt ) from Capital One after noticing that they reported the account as closed/charged off with a balance. However, my request for the tax form was refused, and I was advised to file a dispute instead.

The account in question is listed as a credit card, and it is currently showing as charged off on my credit report. Since this is a potential tax liability, I believe a 1099-C should have been issued by Capital One in accordance with IRS regulations XXXX 

I am requesting that you investigate this matter. If additional documentation is needed to support my dispute, please let me know. 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Debt collection

PORTFOLIO RECOVERY - Calling my cell multiple times every day. I have been at work each time, I can not turn my cell phone off as I use this phone for work. 
I have repeatedly told them to stop calling. They sent letters threatening law suits to me AND continued to call. I changed my phone number and now they have it again and have started to harass me once more.
Product: Debt collection

I received a Collection Notice from Franklin Collection Service regarding an unpaid Debt for XXXX for {$250.00}. 

I have never had an account with XXXX ever in my life. I have always had XXXX for my cable and Wifi Services. 

I sent them a certified letter on XX/XX/2021 stating that I have never had an account with XXXX, and this is not my debt. 

Today I was informed that my credit score dropped 32 points from XXXX to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied for this account for XXXX XXXX. Can you please remove it it is fraud.
Product: Credit card or prepaid card

Regarding AmEx accounts that they shut down against my wishes, they have been harrassing many people who are not my spouse, and even non-blood relatives. The most recent call was on XX/XX/19 at about XXXX. As I understand the debt collection laws and regulations, other outside parties may be contacted only once in an effort to secure contact information in a credit.debt dispute. Despite being told by these outside parties that cant provide such info, an AmEx rep at XXXX has repeatedly called alternate numbers for the same outside parties in succession. They must be stopped and punished for harrassing outside parties in a matter that is entirely between me and them.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681 i ( 5 ) I requested an investigation by the credit bureaus to make sure everything was accurate. 

After 30 days I received, but did not accept the investigation results and noticed everything was the same. The consumer reporting agencies which is TransUnion did not remove anything. 

The date reported is not correct, date opened is not correct, date closed is not correct, and date of last payment is not correct on both credit reports. 

Which is a violation. This is impacting me from moving forward to buy a house for my family. 

I've attached a letter from XXXX stating the account was paid in XX/XX/2021, as notice was sent to my daughter XX/XX/2021. These errors are being reported by TransUnion about me. 

In addition, I've attached my previous credit report showing how TransUnion has violated my rights.
Product: Credit reporting or other personal consumer reports

These inquiries below are fraudulent and does not belong to me I did not authorize anyone to pull my credit for any credit application. Experian has failed to uphold reasonable procedures to prevent FCRA violations and to restrict consumer report furnishing to the purposes delineated in 15 USC 1681b of the FCRA, as mandated by 15 USC 1681b. Promptly remove all inquiries from my credit report immediately and indefinitely. 

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 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 Per the FCRA, as a federally protected consumer. I am now opting out of any and all authorization I, the consumer may have given you, written, unwritten, verbal and non-verbal, per 15 USC 6802. I am also opting out of any and all authorization to give my information to a third party pursuant to 15 U.S. Code 6802. I have never received notice or disclosure to opt out per 15 USC 6802.
Product: Credit reporting or other personal consumer reports

I'm trying to pay Midland Credit Management but every time I call to pay, I'm always told that I need to talk to another department. they keep sending me round and round to a different department. I don't think they want me to pay it.
Product: Checking or savings account

I got a notice from TD Bank telling me they are closing my accounts for no reason I called the customer service and the fraud department and no one can give me a reason why they closing the accounts
Product: Credit card

I ordered the sofa and paid {$590.00} for it at the website of XXXX XXXX on XXXX XXXX, 2015. But the sofa is an unqualified one. I contacted the merchant that the sofa was creaking when I sat against the back by email on XXXX XXXX, 2015. Later a repairer came to fix it but the problem still exists. Then I found some new problems that the XXXX pieces of fabric have n't been stitched together all the line near the wood frame. It is outrageous! XXXX made the sofa perfunctorily.You can see the white polyester fiber filling. I contacted the merchant many times but they did n't care about it and is planning to shirk responsibility. My credit card issuer American Express ca n't protect the cardholder. According to Fair Credit Billing Act, I do not have to pay the money. So the unqualified and defective sofa should be returned and the total amount money {$590.00} need be refunded to me.
Product: Checking or savings account

Hello my name is XXXX XXXX and I am a Fifth Third Bank customer inquiring on overdraft fees that have put me in further financial trouble and would like to seek help and further information in regards to these ridiculously high fees and how to get reimbursed! If someone could help me resolve this ongoing issue I would greatly appreciate the help as these fees have put me in a financial hardship and I cant get caught back up since {$190.00} worth of fees have been deducted from my checking account ( # XXXX ) within a 3 week period since the mobile check deposit feature keeps getting diasabled not allowing me to deposit money as Im 30 min away from the nearest Fifth Bank Location making it difficult to deposit funds directly into my account at the nearest branch!! Feel free to reach me by phone : mobile # XXXX! 



Thank you, XXXX XXXX Last 4 of social : XXXX DOB : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This loan is reporting to my credit as charged off, when the company admits that it was paid in full. It has said that they will not provide a XXXX document because the loan was paid in full yet they continue to report inaccurate information to my credit report as charged off and it is causing me financial harm. Reporting known inaccurate information to a credit report is a violation of the FCRA and I am demanding that this information be updated to report accurate status of paid in full as they have indicated on a prior CRPB complaint, which I have attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

disputed with the three credit bureaus and transunion and experian have yet to remove these items i do not have a account with them nor do i owe them anything. I have been disputing for months. I have listed the accounts below Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX balance : {$4200.00} Identity Theft XXXX XXXX XXXX Account Number : XXXX balance : {$170.00}