23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, I received a letter from my Mortgage company XXXX XXXX XXXX stating that on XX/XX/XXXX my mortgage will transfer to XXXX XXXX. Prior to the change, it was time for my yearly mortgage analysis and my new payment will start on XX/XX/XXXX to XXXX XXXX. I received a letter from XXXX XXXX on Saturday stating that they did another analysis on my mortgage and they discovered that I have an escrow shortage of {$730.00} already with only making two payments ( the last old payment of {$1000.00} for XXXX and one new payment of {$1000.00} for XXXX ) to XXXX XXXX and my new mortgage payment will increase to {$1000.00} beginning XX/XX/XXXX. Upon receiving XXXX  XXXX XXXX analysis, they give you two payment options to choose from if there's a shortage. Comparing the current amounts of my taxes, homeowners insurance, and my MIP to my new amounts, my home taxes raised {$8.00} per month ; insurance lowered {$13.00} per month and my MIP lowered {$1.00} per month. This is where I'm having a difficult time understanding why and how if certain items have lowered, why an I short {$5.00} per month. They tell me those are projected amounts ( the amount that could be but its really not as of the present time ). If im already paying a projected amount, why do I have to pay for a " cushion ' as well? It's the same exact thing but worded differently. Not only are they charging me extra money but the form XXXX sent me had incorrect information on there. This needs immediate attention and a new form sent to me with all corrections XXXX. Under the section of the analysis where it states the payment breakdown as of XX/XX/XXXX, XXXX and I both told XXXX ( ID # XXXX ) that the amount and the date were incorrect. {$1000.00} is my new amount as of XX/XX/XXXX. In XXXX, my mortgage was {$1000.00}. XXXX ( XXXX ) proceeded to inform us that they can not change any information on the legal documents and I have to keep the incorrect one. Is there some type of protection for consumers for these types of situations? When I received that letter, I immediately contacted HUD and they directed me to find the number to XXXX where I was assigned to XXXX XXXX. We did all that we could to get them to resolve these problems and there was nothing XXXX ( XXXX ) could do for us. I am writing to ask if there's someone that could assist me concerning this matter? I do not have much time to get this resolved being that my new mortgage starts XX/XX/XXXX. Thank you for your speedy response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Chase credit card number unknown charged me {$26.00} for something. To the best of my knowledge do not own a Chase Credit Card! I received a statement from Chase charging me {$26.00} for an XXXX Order Number XXXX. I called their customer service # XXXX and explained that I had not purchased anything from XXXX. This charge had escalated to {$93.00}. A letter from Chase dated XX/XX/2020 stated this account was closed to aXX/XX/XXXX balance. I assumed the matter had been resolved. My husband and I are XXXX years old and have always prided ourselves with good credit ratings. I was shocked that our Credit Score dropped from over XXXX down to XXXX! 
Please advise disposition of this matter. 
I can be located at our vacation home where we have been since this COVID thing started. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Our home phone remains the same XXXX and is forwarded to our cabin.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an official grievance against Toyota Motor Credit Corporation situated in XXXX XXXX XXXX XXXX Mail Code XXXX, XXXX, CA XXXX. This company has continuously disregarded my consumer rights under the Fair Credit Reporting Act and has resulted in me much unwanted financial AND mental distress. For starters, they're reporting an flawed & unverifiable account on my credit document and in addition an account in which I've called for substantiation of claim and in which they have not been able to present, per the FCRA. Regardless of my goals to resolve this unpleasant nightmare for a number of months now, Toyota Motor Credit Corporation has entirely ignored my interactions and legal submissions to delete this incorrect information from my credit document. I am well aware of the many, various other issues filed towards this company for their illegal and shady business. 

Below is the account I had Disputed earlier : TOYOTA MOTOR CREDIT CO, Account # XXXX, Date Opened XX/XX/2010. Yet still, in some way, this company is still in business. This company 's unprofessional & negligent habits has made lots of extreme harm, not only to my ability to establish credit & good interest rates, but also to my persona as a Professional and as a person. Please help me, and the countless other consumers just like me, to put a stop to the performance of these dishonest & immoral business techniques asap. I genuinely respect your time and service in this matter and hope to hear from you very soon. 

I am attaching the relevant document as proof and my small claims form ready to file a court case against them should they fail to comply
Product: Money transfer, virtual currency, or money service

The recent CFPB lawsuit has brought to light serious flaws in Zelles dispute resolution process, which I have personally experienced. Despite raising concerns about discrepancies in my transactions, neither Zelle nor my financial institution conducted a proper investigation. Instead, I was told that recovering my lost funds was impossible and tracking the transactions was not feasible. The CFPB findings reveal that Zelle has failed to protect consumers and has allowed repeat offenders to continue exploiting the platform, leaving users like me vulnerable to scams.
Product: Debt collection

I saw a collection account from G C Services in my credit report. Was not given any written notice about this account prior. I called them and they said it was an account with XXXX. I told them I do not owe XXXX any money and proceeded to dispute the account. They sent me a letter dated XX/XX/2023 stating that they had contacted their client and that the debt was confirmed. This service was never used by me because they violated the agreement I had with them on the service. When I called XXXX to renew my internet service, the representative offered me a promotion which included internet and cellphone service. The said promotion was to have internet service for {$50.00} per month and unlimited text, call and data service for XXXX per month with a total of {$62.00} tax inclusive. And was told I will receive one bill. I was sent a contract link to my phone, which I reviewed and approved. The next thing I new I was being billed separate and much more than what was agreed upon. I called customer service to try to resolve that and was told that I have to pay what I was billed. I asked to speak to a supervisor and she told me the same. I asked her for a copy of the contract I signed and she told me there was no contract. I then told her that I had not business with them. I never used the service for one day. I only agreed to it because of the cheaper bill. I expressed to the rep that I did not need an additional phone. A couple of weeks later I called again, and he lady I spoke to expressed the same as the others. I asked her for the contract, she seemed like she was going to send it and then told me she couldn't. I told her like the other that they should cancel my service all together with XXXX. Even after the internet cancelled my service, the mobile service kept sending me bills that varied.
Product: Checking or savings account

TCF Bank announced earlier in XXXX that they would begin charging a {$4.00} fee for paper statements in XX/XX/XXXX. This fee would not be charged if signed up for online statements. On XX/XX/XXXX, I contacted TCF Bank to ensure that my account was signed up for online statements. XXXX responded via secure message on the TCF Bank website stating I was indeed signed up for online statements. 

On XX/XX/XXXX, I was charged {$4.00} by TCF Bank. When I realized this on XX/XX/XXXX, I immediately called and spoke with a female ( she did not provide her name ) who said she would reverse the charge and make sure that I was signed up for online statements. I questioned multiple times for assurance that I was signed up and would not be charged this fee again. She assured me and said she wrote it in her note about the call that I would not be charged this fee again. This fee was never returned, despite her saying it would be. 

On XX/XX/XXXX, I was again charged {$4.00} by TCF Bank. So now I have been charged {$8.00} by TCF Bank despite being assured multiple times that I would not be charged. 

They have a link on their phone app that says " sign up for online statements. '' After clicking this, nothing happens - their link is either broken or purposely made to not work. Once clicked, it goes to a " website thinking '' webpage and never leaves. Their internet website has no link to this what-so-ever. I feel TCF Banks actions are ILLEGAL and PREDATORY in order to steal money from their consumers. 

I have attached the initial response from XXXX I received in the TCF Bank Secured messages.
Product: Credit reporting or other personal consumer reports

Debt has already been disputed and was said to be concluded by XX/XX/2024 no deletion has been made to resolve this Issue XXXX XXXX XXXX in the amount of {$1400.00} and another XXXX XXXX XXXX account in the amount of {$220.00} along with XXXX Bank Delaware still reporting an amount of {$600.00} all these accounts HAVENT BEEN PROPERLY INVESTIGATED AND IS WAY PAST INVESTIGATION TIME FRAME. No actions has been taken by XXXX XXXX XXXX nor Experian regarding these accounts
Product: Debt collection

Didn't receive any letters stating I had a negative balance on a checking account that I had closed a few years ago. Apparently there was a balance of {$80.00} on my checking account when I had closed it and nobody told me as well as send me any information about it. It was then sent to collections and sat on my credit for a while without me knowing it which obviously hurt my credit score. This is my first and only debt issue and would like it removed so I can repair my damaged score.
Product: Credit reporting or other personal consumer reports

15 U.S. Code section 1681C-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than four business days after the date of receipt. This company is in violation of this law because I am a victim of identity theft. Please delete these items as soon as possible : XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these incorrect personal addresses and names : 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: Credit card or prepaid card

I received {$1100.00} worth of unknown charges billed to my credit card. Bank of America reviewed the charges and declined the fraud dispute saying that I purchased these items. I called to inquire as I know I did not purchase from the vendor listed. In discussion with the investigator we determined that the orders were placed from a fraudulent email account, and we reviewed the USPS tracking numbers, which indicated several anomalies. I followed up with the manager if my local USPS office the next day. They confirmed the items were delivered to an address other than mine. I discussed with the bank and they reopened the fraud investigation case while the USPS also opened an internal investigation. Bank of America responded about two weeks later that they declined my claim again. I have refutable evidence that I did not order or receive the merchandise, yet they continue to decline my claim and insist I owe them for charges which are clearly fraudulent.
Product: Credit reporting or other personal consumer reports

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

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past seven years I have had difficulty working with XXXX   on blocking fraudulent items. I have two police reports on file with XXXX and they have not used the police report when investigating/disputing information. I have contacted several company in which I didn't establish credit with and they have stated that XXXX   do not send did not attach police report to dispute .XXXX XXXX  manage will return call in 24 hours per XXXX in fraud department XX/XX/20. 

XXXX also have removed some paid and closed items on my report without my permission. in the past I have a few open paid as agreed account and XXXX refused to update my credit score. 

XXXX is asking for an extended police report. once again these are not new items on the credit report. XXXX is allowing companies to change information on old disputes. 

This is my second complaint to consumer finance.
Product: Checking or savings account

A XXXX transaction routed through Chase Bank was withdrawn multiple times. The withdrawn funds were only sent to the recipient once. Chase has the funds withdrawn in error somewhere in limbo and has caused my account to overdraw. I have no access to my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account XXXX XXXX XXXX Account name : XXXX Account number : XXXX Account Name : XXXX XXXX Account Numebr XXXX Account XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number XXXX XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX and XXXX Account Number : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

When making a payment I was told that I could set up arrangements after wards once I paid they said arrangements didnt exist theres was lack in communication they would only call doing my work hours I had precession of my phone never received letter of reprocession car gone is in there custody and still telling different charges
Product: Credit card or prepaid card

credit card for M & T bank was opened in my name without my knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting on my credit file that does not belong to me. Please assist me in getting these accounts removed from my credit file. 

Accounts reporting as a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX  Please remove unauthorized inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express is reporting an erroneous late on my credit file. I have been working on my credit and American Express keeps verifying these lates. I opened up this account back in XXXX and was always current, never had any lates and was very happy with the customer service and loved being a long time customer. I however, had to close some accounts back in XXXX and this was one of them. I closed the account and settled the debt that the card had and told them to please give me a call if there were any complications. I never received a call, and I figured the account would just report as closed and paid. However, almost 7 years later there was a {$4.00} fee on that card for something that I was not aware about. I didn't even know that this account could be charged anymore. I didn't receive any notifications, calls, emails regarding this and it made me late on the account. Had I known a {$4.00} balance was on the card, I would have paid that immediately to avoid all those lates. I still have no idea where those {$4.00} came from or why I was never told that this card was used after I had closed it and paid it. I ask that American Express removes the late payments off my credit fie. It's a little ridiculous to think I could have paid {$4.00} and this could have been avoided.
Product: Checking or savings account

Over the course of XXXX, I've had to speak with Wells Fargo representatives more than I would have liked to in regards to my information being used, multiple times I've had to pay overdraft fees for transactions I didn't approve or have knowledge of, money going missing out of my account ( {$400.00} being the most at XXXX time ) without an explanation, random service and maintenance fees that I never had in the XXXX going on XXXX  years with the bank... I've had XXXX debit cards replaced this year and haven't received a fraction of the money that was taken from me and IT IS STILL HAPPENING, just this morning ( XX/XX/XXXX ) I was charged {$100.00} for an XXXX membership that has my debit card attached along with my email but when trying to access the XXXX account a phone number that isnt associated with me or anyone in my household is the phone number for the account... I don't take my debit card out of the house unless I'm going to purposely use it as it is and nobody has had access to my debit card or account information not even my wife .... I have lost way to much money dealing with this bank this past year and it's rolling over into this year, it's unacceptable, unprofessional & straight up WRONG... I'm the soul provider for my family and it's hard as it is with the money I make, even harder when I have money missing, account issues, debit card issues every week and then can never get any answers as to why this is happening from the company... I need these issues resolved once and for all and I would like my money back.
Product: Credit reporting or other personal consumer reports

I have spoken with a chase representative in XXXX about a payment, I was informed that my account was up to date. After speaking with the representative, the informatioan she had given me was incorrect. I called in before and was told I needed to make another payment to catch up and the other representative was wrong. After making another payment, thinking my account was up to date, I saw that it was not. Spending weeks trying to rectify the inacuracy of my account, I saw that it was a never ending battle so I made an extra payment to be safe. 

Now, as I try to resolve this inaccuracy from misinformation from chase representative, looking at my credit report, I see it was not resolved. I was told that they can not give me a waiver, which I am not asking for. I am asking them to resolve their mistake. I am a retired veteran and I have been very sick from the after effects from the XXXXXXXX XXXXs and still to this day, trying to recover from it.

I would like chase to remove the inaccuarcy of the two wrongful placements of the 30 day late payments from XXXX and XXXX of XXXX