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

XX/XX/2021 around the XXXX my lost my business checking card I believed at a XXXX XXXX  and days later when I went to check my account I noticed that over XXXX charges from different merchants was charged to my account so I contacted Chase fraud department and told them what happened and they did the standard proceedure and credit me the money that was wrongfully charged to my card and said that it was a temporary release until they finalized the XXXX report on the case. Then a couple weeks later they then reversed the charges back onto my checking account without warning causing my account to become over drafted. I want to say at the time of the original amount of the fraud charges totaled up to about {$400.00} dollars and the amount that was credited back to me was only a partial of that like {$290.00}. I then called Chase fraud department back to find out why was my account was in the negative due to them not honoring the complaint and they stated that because the investigation came back determine that it wasn't fraud because the pin number was used at all the merchants I said I didn't use. I said that's impossible because it wasn't me and that no one knows my pin number and the man tried to brush me off the phone and stated the decision was final and there's nothing he could do moving forward. Since then Chase has charged my account several overdraft fees also took {$500.00} of my money that was deposited into my account and closed all of my accounts without notifying me or send me the remainder of my money. I have reached out via telephone and talked to a could of branch managers to rectify the issues and I have gotten no where. I also requested that they do a through investigation proving that if I was the XXXX using the card and that was the reason they reversed the credit then show the camera footage from each individual merchant that they claimed i used my card or at least send me the list of the merchants names that said I used the pin in there store, I got the run around and said that it was not up to them to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX  XXXX XXXX for months. XXXX  and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
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  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian numerous times to no avail regarding a Mixed file, I know it is as such because after speaking with my brother who shares a similar name and address, has many of my personal accounts and vice versa on his Experian Credit Report. XXXX and XXXX  do not have such a issue with respect to reporting accurate and complete information regarding accounts, especially student loan accounts. I have further inquired with the Student Loan company, XXXX and they said they sent a UDR request to Experian to immediately cease reporting of my student loans to my brothers credit report. They found this odd and obviously in violation of the law, especially as it relates to the FCRA et al. As a result of Experian 's willful negligence and contempt for reporting only accurate data, I have been denied multiple credit offers that otherwise should have been granted, but because they take only into account Experian information it is not accurate nor complete, the fact that I have no late payments and always pay in full alongside my student loans which have never been late is a testament to the amount of work I have put in being financially disciplined, if only Experian held the same standard when reporting information to the actual individuals account. I am beyond exhausted from sending multiple CMRRs to no avail, it is time Experian correct the improper and perniciously inaccurate data!
Product: Checking or savings account

A generator was purchased using my debit card from XXXX XXXX. The box for this generator was sold already opened and the generator failed to start. 

When the generator was attempted to be returned 2 days later, XXXX XXXX rejected the return. 

When I filed a claim with Chase Bank, chase bank rejected the claim.
Product: Credit reporting or other personal consumer reports

I am requesting that the following inquiries be removed as I did not authorize them. Thank you. Below is the FTC Report reference number. 

# XXXX
Product: Debt collection

I had an account with XXXX XXXX in XXXX. I didn't agree with what they charged and I quit doing business with the company. I switched over to XXXX at the time. I completely paid XXXX XXXX off so that I could take the phone I had at that time. Several years later they told me I owed more money. I do not owe them anything. Now they have sold thos imaginary debt to to a debt collection agency called southwest credit systems Inc. The amount of {$1800.00}. They have completely misrepresented the facts on my credit report stating this claim was from XXXX. Time has ran out on this debt. This is damaging to my credit report and an unfair practice of this company. Please help me resolve this issue.
Product: Credit reporting or other personal consumer reports

this company has been negligence to direct contact and credit bureaus request of validation of the account reported to credit file. I have sent several police reports to the credit agencies as well as FTC reports that back up my claim of this fraudulant account that has been opened up in my name unkowingly. I have made several attempts in the past 2 years to fix a disaster of identity theft done on my personal Identity. I have yet to have received any evidence of an investigation with Personify and I have been left distraughtly damaged, stressed and neglected. I do not understand. Please have this company investigate this fraudulant account opened in my name and if then delete this account from my credit profile. If not, I will further discuss matters with an attorney to seek legal actions to compensate for damages of negligence, defamation, XXXX and XXXX. 

account number XXXX XXXX XXXX XXXX XXXX last XXXX social XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX has 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.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Jefferson Capital Llc XXXX XXXXXXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX, XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Product: Credit card

I did not authorize XXXX XXXX  XX/XX/XXXXXXXX  ; XXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  ; XXXX  XXXX  XX/XX/XXXXXXXX  ; XXXX XXXX XXXX XX/XX/XXXXXXXX  ; XXXX XXXX XXXX XX/XX/XXXXXXXX  ; XXXX  XXXX  XX/XX/XXXXXXXX  ; XXXX XXXX XX/XX/XXXXXXXX  XXXX XXXX  XXXX XX/XX/XXXXXXXX  ; XXXX XXXX  XX/XX/XXXXXXXX  ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX AND XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : DEPT OF EDUCATIONXXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( p

er se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations. Fair Credit Reporting Act 15USC 1681 vi
olations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint because I am having trouble with a student loan servicer called 'Dept of EdXXXX XXXX and incomplete account on my credit reports. I disputed their account in XXXX of 2024. The issue that the account had was its incompleteness. The payment history specifically. I recall the Fair Credit Reporting Act section 1681s-2 ( b ) ( 1 ) stating that after the have a received a dispute from a C.R.A about an account they furnished, they are required to investigate the matter along with any supporting documentation provided to them as the data furnisher. I have given them ample enough time to conduct a reasonable investigation about the account I have with them, and I was very clear stating that the payment history of the account they furnished fails to report complete payment history on my credit reports with the consumer reporting agencies. This company did not do a reasonable investigation, and I believe they are not looking beyond what is currently in their system pertaining to the correct information needed to update and correct the incomplete account because the same disputed information was not resolved rendering the disputed information incomplete. They updated information that has nothing to do with the issue I prompted them to fill in and correct. They went around the actual problem instead of addressing it. According to the Fair Credit Reporting Act section 1681s-2 ( b ) ( 1 ) ( E ) data furnishers are required to promptly delete an incomplete account if they failed to correct it because at that point it would be considered to be unverifiable. Why are these creditors not taking accountability? They are abusing their power and screwing up our livelihoods as living breathing human beings. A group of humans toying with another human 's life due to negligence without a care as to how it could affect that person even labelled as a consumer. It is not fair. According to the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 1 ), ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Open XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX via XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Resident verify XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, has violated my rights 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 I, XXXX XXXX XXXX DID NOT GIVE XXXX, EXPERIAN, XXXX ANY WRITTEN INSTRUCTION.
Product: Credit card or prepaid card

In late XXXX, I purchased a television off the Internet. It arrived about a week later however, the person that sold it to me sent a different television that had a broken screen. I opened up a return with the vendor, and sent the television back, but I never received a refund. I filed a dispute for this charge in the amount of {$1200.00} on XX/XX/XXXX of XXXX. American Express removed the charge for my account, and then re-charge my account without authorization about two months later. This is because the vendor provided evidence to American Express that claims that a different television was received. I believe this evidence was falsified so they could attempt to retain the disputed amount fraudulently. 

I am very dissatisfied with American Express for accepting this evidence is genuine.
Product: Debt collection

In XX/XX/XXXX, I realized that payments made to Sunnova Energy in XXXX and XXXX of XXXX, had not been applied to our account balance. Payments were set up with our XXXX XXXX account to automatically be paid via ACH withdrawals ( beginning in XXXX when we purchased house with solar energy system ). 

Sunnova deducted the XXXX payment of {$69.00} and did not apply to balance owed, added that {$69.00} to the next XXXX bill due of {$21.00} and then deducted the total from our checking account for both months which doubled the {$69.00} payment from the prior month. 

The XXXX bill reflected the current month 's balance plus unpaid balances of XXXX and XXXX ( which had been withdrawn from our account ). We halted the ACH withdrawal, issued a payment for the correct XXXXonly amount and requested the account be reviewed and balances paid applied. We called customer service and they said they were not able to assist with the balance, but that we had to pay the amount they showed as owed. They said there was no manager in charge of billing. We followed up with emails, wrote notes on the mailed payments with no resolution. 

In XX/XX/XXXX, after paying every month by check, only the amount owed- not the incorrect balance being carried forth, we sent a letter to the CEO of Sunnova, XXXX XXXX XXXX, via certified mail ( only after numerous additonal phone calls to customer service and being told there was no accounting department manager that could look into our account errors ). In that letter, we provided the XXXX payment, the printouts of our balances and payments ( pulled from their own website ) and asked for help to resolve account. We received NO response to our letter. The XXXX payment never cleared our checking account. 

In XX/XX/XXXX, Sunnova had implemented a new access system and at that point we could not see what the monthly amount was for XXXX production in order to send them that payment. I sent an email explaining the entire problem, asking for access and was told by XXXX in customer service that she would look into the issue. We never received any further assistance. We stopped paying at that point because we had no way to see our billing. 

In XX/XX/XXXX, we received a collections notice from XXXX XXXX XXXX XXXX and we began communicating directly with them. We provided all of the copies of emails, billings, payment records, proof of payment, letter to CEO, etc. with a request to please get Sunnova to correct our account and turn our solar energy system back on. 

The law firm wants us to " buy out '' our solar energy contract for {$7300.00} rather than getting Sunnova to fix our billing, credit us the money they owe us and resume our service with a corrected balance. We do not believe that is fair treatment and they are saying we breached our contract by not paying our bills. We need help. I've asked the law firm to help us with the billing issue that escalated into this or to refer us to arbitration or move into a court setting. We do not want to have to buy the solar contract.
Product: Checking or savings account

I recently received three {$35.00} overdraft fees from Bank of America on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There were also several others in the past of which BOA had waived due to some extenuating circumstances of mine. However, when I last contacted Bank of America on XXXX about the aforementioned fees I was suddenly told I had a reached my so called " limit '' of which I was never informed of even having. 

When I tried to explain this to the rep she said that she " had never seen so many fees waived '', and that she wasn't going to help me anymore. That comment was extremely unprofessional and unnecessary, a simple, " sorry I am unable to assist you '', would have sufficed. I then asked if they could just credit my requested fees and then implement the limit, so that I was aware of the policy going forward, but she still refused. When I asked about this so called policy I was told their actually was none but it was rather based on a " situational '' basis and that my situation just didn't qualify. She then proceeded to tell me that it must have been an " error '' and that they never should have credited my account so much. 

Bank of America did not disclose this so called overdraft fee " limit '' policy and is now forcing me to pay for these fees. This is predatory practice at its best and in contrast to other responsible institutions such as XXXX who ethically inform you of an annual limit so that you understand their policy. Anybody would understandably be conditioned to this seemingly unlimited credit policy and would understandably be frustrated when they were suddenly cut off and forced to pay for them. 

However, Bank of America will bait you until thinking that you can have their fees waived at any time to due any extenuating circumstance, but will then suddenly decide to not to based on some unknown policy they refuse to disclose.
Product: Credit reporting or other personal consumer reports

recently i looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit .it is my understanding that you will investigate these items for me to ensure accuracy .here is the item i am asking you to verify as accurate : XXXX XXXX XXXX/ account # XXXX
Product: Debt collection

Please assist with removing these collections from my credit report : over XXXX yrs LVNV FUNDING LLC XXXX $ old debt, previous paid XXXX XXXX XXXX  XXXX. XXXX $ PAID AND CLOSED XXXXXXXX XXXX XXXXXXXX XXXX XXXX debt does not belong to me XXXX XXXX $ PAID AND CLOSED XXXX XXXX XXXX, NEVER LATE, CLOSED XXXX XXXX XXXX XXXX $ CAR WAS SOLD AND LATER TOTALED, INSURANCE PAID