23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/XXXX I contact JP Morgan Chase Bank to submit a payment over the phone of XXXX with the effective date of XX/XX/XXXX. The representative took the payment and confirmed with me over the phone the payment would be processed on XX/XX/XXXX. On XX/XX/XXXX I received an email confirmation that my payment of XXXX was posted to my Chase Auto loan account. I contacted Chase that morning and they confirmed it posted. They advised they could not reverse the payment. I spoke with many representatives, who would not connect me to a manager, they advised me that there is nothing they can do. One representative stated I was causing her staff time to be affected. I explained to them I have a child who has medical issues and this was going to cause my checking account to overdraft and that because this was on the weekend, I was not able to purchase any food for myself or my child. The employee continued to place me on hold every five minutes and she would until the end of her shift. This caused undue mental stress to me and my child. My checking and savings account on Wednesday XX/XX/XXXX became a zero balance, no funds in my account to take care of my child. I immediately contacted Chase Bank again, they just advised to stop payment on the payment. I reached out to my bank XXXX and I was assessed a XXXX fee which Chase did reimburse, however, I have been dealing with the situation still to this date. I have escalated the situation to the presidential office at Chase and feel that they are treating me unfair and differently because of my records with them in the past I had to file bankruptcy due to a financial hardship. No one that I spoke with followed up with me to see if the issue was resolved. I am a single mother with one income, and the banks error they do not take the severity of what happened. My time is valuable and how they are treating me makes me feel they are treating me like I am some stupid XXXX. My mental stress and time is worth everything to me and a letter of apology is not acceptable for me.
Product: Checking or savings account

Good evening, I bank with Branch Banking and Trust ( BB & T ). I am XXXX and only receive around XXXX a month. Since XXXX, I have not received any money from my XXXX checks because the bank continues to take them every month. I haven't been able to eat, pay my bills, or even put gas in my car. My account was hacked every month, right before the XXXX of the month, including this month ( Since XXXX, around the time of the start of the Corona Virus ). My bank stated that they were giving me a XXXX dollar crises payment of which I desperately needed. 29 days later they took their XXXX dollars back out of my account without notifying me, or asking my permission. A crises check if used for a criees, and no one told me, which the bank claims they did, that they were going to turn around and take it back. I even switched banks to XXXX XXXX and they still stole my money this month. I can not go another month without food, paying my bills and car insurance. I notified them that someone deposited a check into my account, cashed it, then did a stop payment on it which left me account negative XXXX dollars again this month. They did nothing about it and told me I was responsible. I'm XXXX years old and haven't used a check since my XXXX XXXX. I'm not the only customer that they have a relief find to and turned around and took it back when it was supposed to be a relief fund. Please I can not go another month without food. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX , I provided a state tax lien release letter to all  XXXX  credit bure aus (  XXXX ,  XXXX  and Experian ) that showed that the amount of {$2400.00} had been paid in full and myself and my husband both were cleared of this debt.. I ha ve sent  two certified letters to each bureau requesting that the information be deleted from my credit r eport. Only  XXXX  bureau-  XXXX   has updated it to reflect PAID IN FULL. I am in the process of buying a home and this reporting is causing a hardship on me.
Product: Credit card

Dear Sirs : I was the holder of an American Express ( AMEX ) Corporate Card at the request of my employer. My final payment on this account ( which is now a closed account ) exceeded the amount due by {$190.00}. That is the credit balance American Express has agreed that I overpaid. American Express communicated to me, on at least XXXX occasions that They would promptly be issuing me a refund. AMEX employee ident. # s and dates : XXXX XXXX/XXXX/15 ; XXXX XXXX/XXXX/15, XXXX XXXX/XXXX/15 ; XXXX XXXX/XXXX/15, XXXX XXXX/XXXX/15 ; XXXX XXXX/XXXX/15, XXXX XXXX/XXXX/15, XXXX XXXX/XXXX/15. All of these AMEX customer service employees gave me different dates and commitments for when my check was sent to me and when I should expect to receive it. I just learned today that AMEX mailed my refund to my former employer ( XXXX ). They state that my card member agreement provides them the right to do this. The Card member agreement that accompanied my card, AMEX document XXXX # XXXX does not communicate this provision. In fact it states that I am solely responsible for all transactions and charges associated with the card ( section XXXX ). If there is a document that communicates this feature guiding any card member refunds it was not disclosed to the card member. I would appreciate a full investigation of the behavior of AMEX for lying to card members, improper card member disclosure and failure to return an overpayment in an inactive account to the responsible cardholder.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to XXXX XXXX XXXX also known as XXXX XXXX XXXX XX/XX/XXXX to dispute inaccurate infomation on my credit report and they signed for letter XX/XX/XXXX at XXXX XXXX. I have 3 date stamped credit reports on XX/XX/XXXX day 31 from Equifax, XXXX and XXXX which shows XXXX XXXX XXXX violated FCRA by not disclosing dispute to credit bureaus in 30 days. I sent them a second letter XX/XX/XXXX that they signed for XX/XX/XXXX at XXXX XXXX to advise them they failed to report I disputed account within 30 days and asked that they remove inaccurate information but they have ignored my correspondance and only sent me a copy of a statement, but did not provide reason why they did not mark disputed in 30 days required by law. I have kept record of all copies of letters sent to them and what they have sent to me and will also be filing a complaint with BBB and Attorney Generals Office if need me. XXXX XXXX XXXX is liable for their willful non compliance as per FCRA 623 ( a ) ( 3 ) - reaponsibilities of furnishers of information to consumer reporting agencies ( 15 U.S.C 1681s-2 ) ( 3 ) duty to provide notice of dispute. ( B ) time of notice ( BI ) The notice required under subparagraph A shall be provided to the consumer prior to or no later than 30 days after furnishing the negative information to a consumer reporting agency described in section 603P. XXXX XXXX XXXX has violated federal law. I have evidence of this therefore XXXX XXXX XXXX must remove item.
Product: Debt collection

Dear Discover Financial Services, I am writing to formally dispute and request the removal of an alleged debt of {$460.00}, reported as a collection or charge-off on my XXXX credit report. This account appears to be fraudulent as I have been residing in XXXX for the past 10 years and was not present during the period in question. I have no knowledge of this account and have never entered into any contractual agreements with Discover Card or the original creditor. 

The inaccuracies related to this account violate several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically : Evidence of Authorization : Under 15 USC 1692 ( e ) and 1692 ( f ), I require evidence of your authorization to manage and collect this debt.

Legal Basis : I need a clear legal basis for the collection of this alleged debt.

State Authorization : Proof that you are authorized to operate and collect debts in my state.

Evidence of Debt : Detailed documentation of the alleged debt, including any contracts or agreements with my signature.

Account History : A complete account history, including all collection-related charges. 
Your actions have infringed upon my rights under the FDCPA, including : 1692d : Engaging in harassment or abuse related to debt collection. 
1692e : Making false, deceptive, or misleading representations.

1692g ( b ) : Failing to properly disclose my rights.

1692f : Using unfair or unconscionable means to collect a debt.
Product: Credit card

XXXX XXXX has no access to XXXX account because of their IT issues.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

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  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Debt collection

This debt was for cancellation of a homeowners policy which was paid for the month it was cancelled. Credit Collection Services ( CCS ) has incorrectly reported this as a {$110.00} collection on my XXXX XXXX credit report. I submitted a written request to CCS for the original debt verification letter from the insurance company, namely XXXX. To this date I have not received any response from CCS. I request this collection be removed from my credit on an immediate basis.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XX/XX/XXXX 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 seven 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: Debt collection

I had my identity as well as fraud on my checking and credit card accounts. I had reported the fraud and actually contacted the merchant and asked them to please close the account as it is not me that is using the account. All of which I have proof of. I thought it was done and the same business is now trying to get me to pay back the fraud charges that were not mine. I have been contacted by Caine and Weiner debt collector a lady named XXXX who will not respond to me and my requests and t have a supervisor reach out to me, According to the banks as there were 2 involved and the credit card companies the case is closed and I have submitted the proof that it was not me and that I am being harassed and Caine and Weiner will not close the case but has no reason to keep it opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX Updated : XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX Balance Owed : {$150.00XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$350.00}, XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$410.00}, XXXX XXXX Balance Owed : {$80.00}, XXXX XXXX Balance Owed : {$0.00}, XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$90.00} According to FCRA XXXX XXXX ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

My name was XXXX XXXX and I legally changed my name to XXXX XXXX XXXX XXXX XXXX. The debt with XXXX XXXXXXXX XXXX XXXXXXXX Na was sold to a 3rd party Debt Collector and the Creditor can no longer collect on this debt and the Collector sold this debt to the Debt Collector and I was not notified or aware of this by the Original Creditor. I dispute this debt, I ask that this debt be deleted from my credit report. Pursuant the Fair Debt Collection Practices Act USC 1692. The Account number with the Original Creditor is # XXXX. I don't know who the Debt Collector is because I didn't agree to anything with them. I still further dispute this debt and ask that it be deleted from my Credit Report and further since I'm disputing this debt with the collection agency I no longer have to pay this debt. Pursuant to United States Code 1692. Also ask to delete debt from my credit report pursuant to UCC Article 3. I further ask the debt collections deleted pursuant to 25 U S Code 1692 ( g ) and also pursuant to 15 U S. Code 1692 ( c ) and also pursuant to 15 U.S. code 1681 ( e ) and also pursuant to U.S. code 1681 ( c ) this account is old. Thanks for your time and help and understanding on this urgent matter. Please respond back ASAP. Respectfully XXXX XXXX XXXX XXXX XXXX, address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my email address is XXXX and my phone number is XXXX. Ps. The Debt Collectors Name on this Collection Account is Portfolio Recovery. It's illegal to report anything on my Credit Report without my permission please remove this negative item from my Credit Report. I further also state that this debt does not have to be paid to come off my Credit Report. UCC -2-302, 15U.S.code 1681b ( 2 ) and FCRA section 605B. I've never received the following from the Debt Collection Agency the following : 1. A copy of the Purchase Agreement of this debt., 2. A copy of the Insurance Claim of Debt from the Collection Agency., 3. Never received a copy of the XXXX with original creditor. Thanks for your time and help and understanding. Please respond back ASAP. Respectfully XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX.
Product: Debt collection

I had contacted both companies several times since I became aware of this and was told it would be resolved. I sent in a police report that stated the card was stolen with my vehicle and several other cards.
Product: Checking or savings account

I have an Checking Account with TD Bank and up until this transaction, I have been able to successfully resolve issues with my account with my local branch, located in XXXX Vermont. On Thursday, XXXX XXXX, 2017, I was charged {$35.00} on my checking account for an overdraft charge on the account. When I signed up with my checking account I specifically denied overdraft protection which I knew would knowingly deny charges on my account when funds are not available to avoid being charged a fee. On this charge, my account was - {$5.00} after the bank allowed a {$1100.00} check to clear. Although it was nice that the bank allowed this check to clear ( which would have cost a {$25.00} return check fee ), I believe that my bank was not legally in the right to charge my account {$35.00} when I denied this protection on my account. When I called the main number, they said that my account was ineligible for a refund and that this type of charge is computer driven and can not be refunded. 
I formally request that the CFPB investigate TD Bank for all automatic charges when the customer has denied overdraft protection. My fear is that many people in my similar situation are being charged this fee. I am sure you do not think {$35.00} is a lot of money but to me given my kids college tuition and my high cost of living expenses, {$35.00} is my weekly grocery bill, so to me, TD Bank has fraudulently taken a weeks worth of food off of my table and probably to many others.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had purchased a car from XXXX XXXX in XXXX XXXXXXXX in XX/XX/XXXX. While purchasing the car I had given them a checking account number from XXXXXXXX XXXX that I no longer use by mistake and they proceeded to process the loan. 

The loan holder was Credit Acceptance Co ( Account number XXXX ) In XX/XX/XXXX the car was repossessed without my knowledge that I had missed any payments. I was not informed payments were being missed. The first notice I had received was dated XX/XX/XXXX, showing a late payment {$490.00} ( attached ) then another late notice sated XX/XX/XXXX, that showed that I owed {$12000.00} in late payments and fees ( see attached ) On XX/XX/XXXX, I recovered the car through Credit Acceptance Co by paying the past due amount {$750.00} ( one payment past due plus repo fee, see attached ) and am now in possession of the car, with renegotiated loan terms, rolling the additional late payments back into the loan.

Now that the car is no longer a repossession, I have reached out toe Credit Acceptance on numerous occasions to see if they could remove the repossession from my credit report. They have refused to do so. 

I was in the process of buying a home and with the repo on my credit report, I am no longer able to obtain financing because of the repo being on my report. I assumed by paying what I owed and retaining ownership of the car the repo could and would be removed from my report.
Product: Credit reporting or other personal consumer reports

XXXX has put information that is considered income, also after requesting validation no information was given of who they spoke to, time and date of inquiry. I asked for the address that were incorrect to be deleted and they did not. It is illegal to put negative inquiry, XXXX has continuously violated USC 1681 WITHOUT REGARD for the consumer. Numerous aliases are showing after requesting only one name to be shown.
Product: Mortgage

We are affected by a tornado on XX/XX/2018. I have been trying to get the mortgage to release money so I can get my house fixed. Every time I call I get told they don't have something or they need something else. I have turned in all the XXXX, waiver of lien, insurance documents and contracts. They will not just release my money, every time I call I am told something different. I can't fix my house without getting the money from them. This has been the biggest mess ever. I have to call to be told that things are not processed and this is why the documents aren't correct or that they didn't accept it for one reason or another. I can't go to the website like they want me to. If I was to miss a payment they would be all over calling me.

I feel like they don't care about me and getting my house first which they should since they are really are the ones that own it.
Product: Credit card

i was being charged more than once a month an i could never get someone to help me
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX  someone used my credit card information to charge my Citi Bank Visa Costco card {$3000.00} and we contacted the credit card company and they are not resolving this issue and it is almost like they are frauding us as well. I got the credit card users info from the credit card company and called the police and reported it as fraud, we froze our credit, and I am reporting to you, I also contacted XXXX to help us resolve this issue with the card company and they are ignoring that as well. This is extremely frustrating and wrong what the person and the company are doing.In the beginning we were told by the credit card company that they made a balance trasfer, then I was told tonight they deposited {$2500.00} into their bank account. The party lives in another state than myself. I got a bill today with a balance of {$3000.00} that we did not charge or transfer and nothing is being done. I reported it to the police and they were asking for information on the incident for their investigation and the company told me they have to request it by mail. I have never heard of that. They just gave me the info over the phone but, they can't email it for investigation purposes. I feel like I am being frauded by the company as well. Such a mess. We also closed the account with the credit card company.