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

I requested my checking and saving at chase bank to be closed. They closed the savings but did not close the checking. I had XXXX cents left in the checking account. 
An automated payment that had not update via XXXX of {$12.00} went to the checking account after I requested it closed. It should have been rejected, but I was charged {$34.00} " INSUFFICIENT FUNDS FEE FOR A {$12.00} ITEM '', again on an account that should have been closed. I took the hit and wired the {$46.00} total from my new account at XXXX XXXX to XXXX out the chase checking account. Between the time it took to get there and the time chase left the deposit " pending '', chase charged an " EXTENDED OVERDRAFT FEE '' of {$15.00}. I immediately wired {$15.00}. I wanted this account XXXX and close ASAP. 
As soon as they clear that transfer they charge " SERVICE FEE '' of XXXX. Total fees totaling XXXX, in less than two weeks on an account that was supposed to be closed. I need this to stop. I am on a fixed income and can not afford to be leeched by an unscrupulous company.
Product: Debt collection

Never contacted by apartment regarding any debt, even though they had my contact info for cell phone and mailing address. Debt collector sent mail notifying me of debt to mailing address of a friend, not to my own residence. Debt in question is exorbitant, only existing damage to the unit was carpet replacement which was covered by my deposit. Timeline for the debt being viable is in question, as I haven't lived in that apartment in over 3 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to court over the XXXX XXXX account XXXX and showed the judge my evidence that this account was not mine and if my information was used to open it, it was done in fraud. The judge agreed with me and issued a judgment in my favor. This needs to be removed. Despite that order for the judge, Experian and XXXX refused to remove the reporting and tradeline in fulls as ordered. They simply say the creditor verification says its mine. The courts say otherwise and yet this remains unjustly on my credit report
Product: Debt collection

Medical services data inc is reporting a collections on my credit report for an amount totaling {$1100.00}. When I contacted the company they mentioned that it is my debt and when I asked for them to send me verification of debt they failed to do. The dates reported on collection is XX/XX/2022 I have no open medical record this is illegally being reported on my credit report
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/year>
Product: Payday loan, title loan, or personal loan

I received a title loan from title max. My loan went into default for non-payment. My vehicle was repossessed by title max. I had spoke to the corporate financial rep. He gave me a deal to payoff original loan and I would have my title and vehicle back cleared of the lien. While I was working on obtaining the money to fulfill the loan. I scheduled an appointment to obtain my personal property. During my appointment I was brought 2 boxes obtaining my personal belongings. My husband 's work tools including the tool boxes were stolen, my weeding rings were also stolen, my son 's XXXX XXXX  was also stolen. The auction house where my vehicle is being held was suppose to inventory my personal belongings and I have yet to get that list. I keep getting the run around and my husband has not been able to work due to the theft of his tools. I know my property is supposed to be given to me intact and not damaged or.missing.
Product: Checking or savings account

On XX/XX/XXXX I attempted to use the atm at a business and withdrawal {$200.00}. It charged my card, spit out my card and very quickly an error message flashed on the screen. I was unable to read anything it said. And then I was not given my money. I promptly went to the security and told them what happened and I showed them that the charge still went through and they showed me from my chime app how to report the issue with my bank and I did so and called chime. I was told by the security working that there is another atm across the street so I went there and used that atm and was able to get {$100.00} out. Half hour goes by and I tried a different atm at the same location the first transaction happened at that didnt work for {$100.00} and it again charged my account and didnt get money. I was getting frustrated and tried calling support on chime and due to poor cell phone reception I was unable to talk with anyone. I tried one last time at another atm for {$200.00} and same thing happened. I left the business and when I got home called chime and told them what happened. I later returned to the business and asked if there is any kind of log book for the shifts for each day like complaints or issues within the business and they said they dont keep record of that. They did give me the atms phone number and I have emailed and called leaving a voicemail with them and no response. Yesterday I received an email saying chime is closing my account and I called to find out why and they said something like a violation of some sort of policy which they wouldnt provide for me. I dont understand how Ive violated any policys and I feel like they are trying to avoid my claims for the atm charges and dont want to pay me! Ive been with chime since XXXX and it would be a shame for them to lose me as I only bank through them and have recommended several friends and family who have also started using them as well.
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 {$560.00}, {$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, Section 611, 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.

-- OPEN ACCOUNT 1. XXXX XXXX XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXXXXXX, XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been reporting my XXXXXXXX XXXX as closed which has dropped my credit score. XXXX and XXXX are reporting correctly. XXXX has resent the reporting status and still not resolved by Equifax. Getting through to Equifax on the phone is futile. They show closed in XXXX. The loan was not sold and Equifax should reporting on time for every month since then and show the account open.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX is trying to collect that is not mine. The company Was not even able to validate the debt. At first, They reported on my credit file I was a victim of an identity thief. 
The credit bureau was able to delete it on my credit report the same item came with a different amount and different account number on my credit report. The credit bureau is taking longer the resolve this issue.
Product: Mortgage

Borrower was placed on a forbearance due to CV-19 related hardship. At this time she is still struggling financially and her mortgage servicer refuses to offer any alternatives to foreclosure if she is not able to pay the amount past due once her forbearance period is over. She is not able to make a balloon payment as her financial situation has not recovered. Borrower has had a difficult time getting a hold of someone at Fay Servicing.
Product: Credit card or prepaid card

On XX/XX/2023, a conditional debt payment was transmitted to XXXX XXXX, serving as trustee for XXXX XXXX, on behalf of XXXX XXXX, a juridical entity. Despite clear instructions to direct credit resulting from conversion, redemption, or exchange for a new issue to XXXX XXXX 's account, no action has been taken. As of now, over four months have passed, and despite more than four correspondences sent and received, there has been no communication beyond acknowledging receipt from XXXX XXXX XXXX XXXX XXXX at XXXX XXXX. 

This inaction contradicts XXXX XXXX 's fiduciary obligations and has caused detrimental effects on XXXX XXXX 's credit profile. Despite being informed of this issue, which includes the issuance of a civil money penalty notice under Section XXXX of the Federal Reserve Act, no resolution has been achieved. Additionally, the recurrent practice of redirecting outstanding balances to short-term debt instruments like commercial paper under XXXX XXXX XXXX XXXX goes against the initial directive and further compounds the problem. 

In the midst of multiple conversations, only one representative has provided valuable insight, while attempts to engage with higher management have yielded no response. I deeply value our longstanding relationship, but I must emphasize that continued lack of action will necessitate further steps on my part. Given the complexity of the situation, involving transactions like the five special deposits and a conditional payment from XXXX XXXX, I urge XXXX XXXX to urgently address this matter, outline a clear plan of action, and work toward resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2024 To Whom It May Concern, I XXXX XXXX, consumer and natural person, am aware of all my rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also States a consumer reporting agency can not furnish an account without my written consent. 
Delete this account immediately, unless you want to be held {$1000.00} per violation. 
It also States a consumer reporting agency can not furnish an account without my written instructions. 
Delete this account immediately, I AM PREPARED FOR LITIGATION Sincerely, XXXX XXXX
Product: Checking or savings account

XXXX check was written from my WELLS FARGO checking account ending in XXXX to XXXX XXXX ATTORNEY AT LAW for {$700.00} Check was not received by XXXX day- I asked for stop payment at which time WF told me It was not possible because check cleared.

I asked for copy of check ( by the way why does every other bank have that available? ) and they told me it would take 30 days to receive.

WHen received- it was clearly never endorsed or properly negotiated.

I asked for the funds to be replaced- they said " Too late the case is closed and it is cleared ''. 
After many arguments- they reopened the case. That was in XX/XX/2024. 
Since that time- I have not been reimbursed and have been the subject of abuse by this bank- making this MY problem. In fact they have closed this case too many times to count. I think you may have records of all the complaints. 
AT THIS JUNCTURE -- I HAVE RESENT THAT AFFIDAVIT -- PER THEIR REQUEST and to date not received any correspondence nor have funds replaced. ( XXXX XXXX ). 

THIS BANK MUST BE INVESTIGATED -- this is not a forged document -- it is internal fraud and mismanageent of my funds. 

PLEASE HELP!!!!!!!!!!!!!!!!!!!!
Product: Debt collection

A collections agency, I believe it is FAMS, has relentlessly called my mother-in-law leaving messages for her relaying that they are attempting to locate me and collect on my student loans.Yes, they have said that I owed student loans and they were a collections agency seeking to speak to me about those said loans. Sometimes they call two to three times a day and have on occasion called, left a message, and then immediately called back. My mother-in-law was never used as a reference for my private student loans, though my now late-father-in-law was. FAMS has not supplied any written documentation to provide that I owe anything to them or if I do that they own the debt.
Product: Debt collection

IQ DATA INT XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, WA-XXXX Has placed a false debt on my credit report for {$110.00} on XX/XX/2017. 
Previous to that, they had sent me a letter stating I had 30 days to respond. I sent a letter within the 30 days asking them to prove to me that this was a valid debt, I also spoke with them over the phone and told them this is not a valid debt and it's not mine. 
They did not ever send me any proof that this was in fact a valid debt. 
I want this debt removed from my credit file. I have also sent in disputes to all 3 credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS AND UNAUTHORIZED INQUIRIES REPORTING.
Product: Credit reporting or other personal consumer reports

Please delete these inquiries. I am not aware of them, and the company proceeded without my permission.
Product: Credit card or prepaid card

I initiated a dispute with Discover originally via XXXX Dispute. The company did an investigation and to their findings the transactions were valid. I contacted the company to ask them to look into this further because my account was suspended and my card wasnt available for use during an account review initiated from Discover. 
I did a complaint with CFPB, because at this point Discover is reporting to the three major credit bureaus that I have missed a payment, and this has dropped my score tremendously. I am in the process of purchasing a home and Discovers actions has caused a hardship that could result in XXXX for my family. 
Discover responded saying that the purchases were made when the account was Not accessible for use due to an account review. Discover said they would keep reporting this invalid payment history and balance until I tell them not to. 
That is not a resolution when in fact I never made purchases on this account. 
The resolution would be to remove the charges and late payment from my account and credit reports until a thorough investigation has been completed. 
Discover randomly selected my account for review before I could activate my card so I never got a chance to use the card. 
It is unfair to me and my family that we must suffer a hardship from not being able to purchase a home due to the late payment that Discover is  reporting on a closed account.
Product: Debt collection

XXXX XXXX has assigned another collection attempt with Jefferson Capital System again and they have put another derogatory collection against my personal credit. I have called Jefferson Capital System about this illegal collection action against me and you have on file my complaint against XXXX XXXXXXXX XXXX XXXX. At this point as consumer when will the Federal Trade Commission do something about XXXX XXXX illegal collection actions against me. I want XXXX XXXX to pay me for slander and damaging my credit rating which is costing me money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted NCD about the account still showing on my report and was told to contact the Credit bureau. I then contacted the credit bureau and was told to contact NCD. I spoke with the manager @ NCD who was very helpful of closing the account and paid in full.
Product: Credit card or prepaid card

On XX/XX/XXXX I called Chase to determine why my credit card limit was reduced from {$3500.00} to {$2000.00}. Over the previous two months ( XXXX and XXXX ), I paid {$1500.00} to chase and was working on paying down my card balance. I believe that Chase lowered my credit line as a predatory practice as it people, including myself, were receiving stimulus checks due to Covid. I find it appalling that during a time when electric companies were waving fees, mortgage companies were waiving fees, insurance companies were sending out refunds and people were losing their jobs- Chase decided to lower my credit limit. On top of that, when I called to address the issue stating that I had the card for a while and had been increasing my payments the previous two months by paying {$300.00} and {$500.00} dollars every two weeks, they lowered my credit line. The Chase official told me there was nothing that they could do. I then received notice of a hard inquiry on my credit report that lowered my credit score at a time where I was building my credit and amidst a pandemic. I believe these predatory practices by chase are widespread and should be addressed. Id like to have the hard inquiry taken off of my credit report as chase lowered my credit line at a time where i lowered my balance from XXXX to XXXX. Chase in return lowered my line of credit to XXXX as soon as I had paid it down and simultaneously when my stimulus check was issued.

Thank you, XXXX
Product: Credit reporting or other personal consumer reports

I have the right to privacy as a federally protected consumer. I have the right to privacy as a federally protected consumer. I have the right to privacy as a federally protected consumer. XXXX I do not consent to E-Oscar verification XXXX XXXX 15 US Code 6805 - enforcement ( a ) In general I ( XXXX XXXX ) HAVE THE RIGHT TO OPT OUT OF ANYTHING ON MY REPORT AT ANYTIME AND THAT XXXX XXXX MUST COMPLY AS SOON AS POSSIBLE AFTER I SENT THEM NOTICE! 

As you can see you are sharing my information to third party sources such as " XXXX XXXX, XXXX, XXXX, Transunion, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

Any information XXXX XXXX shares has to be in accordance with the U.S.

Consumer Privacy Notice. 15 USC 1681. If XXXX wanted to publish my information for credit purposes they MUST NOTIFY ME WHEN AN ADVERSE ACTION IS TAKEN. They never notified me in writing. 

15 U.S code 1681n- Civil liability for willful noncompliance ( a ) In general Any person who " WILLFULLY '' fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of - ( a ) any actual damages sustained by the consumer as a result of the failure or damages of not less that {$100.00} and not more that {$1000.00} or ( b ) in the case of liability of a natural person for obtaining a consumer report under the false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} per VIOLATION PLUS ANY OTHER DAMAGES YOU HAVE SUSTAINED AS A RESULT OF THEIR FAILURE TO FOLLOW THE LAW. IF YOU HAVE TO FILE MORE THAN 1 COMPLAINT, WILFUL NONCOMPLIANCE CAN EASILY BE PROVEN AS THEY HAD A FULL UNDERSTANDING OF THE VIOLATIONS AFTER YOU COMPLAINED THE 1ST TIME. EVERY COMPANY IN THIER AGREEMENTS WITH CONSUMERS SAID THEY WOULD FOLLOW THE LAW AND AGREED TO DO SO. THEY ARE AWARE THAT THEY ARE BRAKING THE LAW. 

Please update " paid as agreed '' on all of my credit reports or pay {$1000.00} per violation and {$10000.00} for emotional pain and suffering. 






XXXX XXXX has my information on a 2016 chevy cruze lease.
Product: Mortgage

On XXXX XXXXXXXX XXXX I sold my home in which Freedom Mortgage was my lender. Property address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. On this date the title company wired full payoff to Freedom Mortgage Corp ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ). I have received all payoff docs but have not received my escrow balance in excess of {$4500.00}. I have contacted them multiple times without resolution. On the last call I was instructed I could call back on XX/XX/XXXX and ask for a stop payment on my refund and have them issue another refund. The stop payment would take 2-3 more weeks and then another 2 weeks to process a new payment. Lastly, they then instructed me they are allowed 14 more business days to mail. This would extend my refund of escrow to 4-5 Months after I paid the Mortgage in full. I do not believe they have even processed my escrow refund. They were unable to provide any data other that a refund was requested. 

I need help in getting my funds back to me.
Product: Debt collection

Back in XXXX of 2020 I called to the company who is looking to receive a payment from me. I told them I never had a XXXX phone bill or a contract with them. That it was fraudulent activities
Product: Money transfer, virtual currency, or money service

I have not received funds from transactions on XX/XX/year> ( {$54.00} ) and XX/XX/year> ( {$150.00} ) due to an error caused by Fiserv. Although the initial issue with my bank account number has been corrected, these funds have still not been transferred. 

The issue originated because Fiserv entered my bank account number incorrectly in their system, causing a delay in processing my transactions. 

I have contacted Fiserv multiple times to request an explanation and a resolution, but they have failed to provide any response or timeline for when I will receive my funds.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I created an account with Experian, a credit bureau, to put a freeze on my credit because I was suspecting my identity might be stolen at the time. 

On XX/XX/XXXX, I received an email notification from Experian that the credit freeze has been lifted per request. I called them and explained I didn't make such a request. This never happened before I didn't think of asking questions in details. I simply asked them to put the freeze back on. 

On XX/XX/XXXX, I received the same email notification from Experian that the credit freeze is lifted again per request. I called, and the agent told me she remembered a person calling in earlier that day verbally requesting the freeze to be lifted. This person had all of the personal information required to make such a request including my social security number. I used this information to file a report at the local police station. 

On XX/XX/XXXX, I called Experian again to alert my identity has been stolen and to notify that I filed a police report. The agent didn't provide sufficient response, just kept advising that I change my password and pin number. I repeatedly explained I already did, and wanted to speak to different department who can provide other solutions to further secure my account. The agent stated that she is not able to transfer me to a different department and kept repeated I change my password.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account date incorrect, this account originally open in XXXX
Product: Debt collection

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
5 U.S.C 1681 section 602 A. States I have the right to privacy.

5 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 5 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpose