23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX Account # XXXX, Account name : # XXXX XXXX Account name : # XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX5 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. 
Chapters
Product: Bank account or service

On more than one occasion, my bank has charged my wife and me an overdraft fee on our joint checking account without an actual overdraft occurring that we can see in our records. When this " overdraft '' occurs, the bank puts charges our bank credit card, although we are not overdrawn. In addition, we are charged a separate overdraft fee. When this happens, we are required by the bank to come to a branch and show that our account is not overdrawn, and the bank takes the charge ( s ) off the account. We have been dealing with this for approximately three years, and it 's frustrating and time-consuming. My real concern now -- and the reason I am contacting you now -- is that the bank is most likely making the same unwarranted overdraft charges to a lot of their other customers. This most recent time I captured a screen shot photo of our account showing that there was still sufficient funds and their activity including charges ( see attached ). Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

There is wrong info on my credit report and I would like to get this issue resolved
Product: Credit reporting or other personal consumer reports

I have reached out to Sterling ( XXXX XXXX XXXX  ) in regards to my criminal record being inaccurate. The Identity Fraud charge is being dismissed per my attorney, when I attended court back on XX/XX/year> at XXXX XXXX XXXX XXXX. I will also attach the letter for proof in regards to this. The Identity Fraud charge should be taken off or at minimum updated to reflect the dismissal.
Product: Credit reporting, credit repair services, or other personal consumer reports

After being informed that a personal loan application was rejected on the basis of a reported credit card delinquency on my Equifax Credit Report, I downloaded a copy on XX/XX/XXXX to review the only credit card listed - XXXX XXXX XXXX XXXX XXXX. 

Although XXXX rejected my offer to allow the CFPB to review all account information submitted by both parties in support of my XX/XX/XXXX 'APR or Interest Rate ' Complaint and render a decision, the company instead retaliated by reducing my XXXX  XXXX XXXX Balance from {$15000.00} to {$6500.00} and closing my XXXX XXXX Account on XX/XX/XXXX ( see attached ). 

In addition to numerous other questionable activities that have been reported to the CFPB since ( see my complaint history ), XXXX continues to engage in reporting misinformation to the credit bureaus designed to confuse and/or mislead potential creditors and other users into believing the account is still active and in arrears. 

Examples include that captured in the fields highlighted on the attached Equifax credit report including the following : 1 ) Amount Put Due = {$2800.00} ; Date Reported = XXXX XXXX 2 ) Date Closed = Blank Enough already ... the account was Closed by XXXX on XX/XX/XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 11 accounts from XXXX through XXXX student loan service. I have experienced financial hardship and had to consolidate my loans in XXXX. At that time my loans were serviced through XXXX  XXXX service. XXXX listed the 11 accounts as paid in full and the accounts as being closed, however they are still reporting on my credit report to date which is currently affecting my credit score and showing negatively on my report when it the accounts are supposed to be closed. Ive reach out to XXXX and they have no knowledge of my account. I have filed a dispute with XXXX  XXXX, and all credit bureaus and it continues to report
Product: Student loan

I applied for th e Public Service Loan Forgiveness, using the  paper form, as the computer form only gave me the option of paying {$700.00} a month (  XXXX  X 10 years =  XXXX  and my loan balance is  XXXX , so I would overpay {$28000.00} and none of my loan has been forgiven ). Fed  Loan  changed my loan to this amount, without my consent. I took a screen shot of the computer screen and sent it in with my application and told  XXXX   Loan  NOT to change my loan amount to {$700.00} without calling me first and they did it anyways. I wanted them to call so I could explain to them that the computer is figuring out a payment based on my income, not the loan balance, which is wrong. I 've called and emailed, trying to get this straightened out as the payment of {$700.00} a month is not correct. Today on  XXXX , the representative told me that this was my fault and tried to explain to me what I did wrong. I told her this all started because no one called me yet still told me that this was my fault. I 've requested that my payment go back to my original payment and have someone call me, yet I 've received no phone call. I 've requested an explanation how paying {$700.00} a month forgives my loan and how much of my  XXXX  would be forgiven and I 've received no explanation or phone call. I have to check my payment amount every month and then call or email them, with no resolution. Every time I call, I 'm told stuff about being delinquent ( WHAT! ) and now this is somehow my fault. If I could transfer my loan out of  My Fed Loan servic ing, I would. I try to apply for forgiveness, which seems so easy, but it 's been a total nightmare. My issues dealing my lender are trouble with how the payments are being handled, receiving bad information about the  Public Service Loan Forgiveness Program and horri ble problems with customer service. I get a different answer every time I call or email.
Product: Credit card or prepaid card

I bought a car tent through XXXX it cost me {$280.00} on my capitol one credit card XXXX. I tried to cancel and wasn't allowed on XXXX. I contacted capitol one card last XXXX # XXXX  to cancel, they refused even after I showed them that I never received the order of the XXXX  # XXXX. I sent copies in the emails that XXXX sent capitol one a refund. And I haven't received.
Product: Credit card or prepaid card

I have a billing dispute with the  XXXX  whi ch AMEX ha s not managed well at all. The charge is {$63.00} and  XXXX  is claiming it was delivered to my house.     When I look at the documentation supplied by  XXXX  to  AMEX,  is clearly states that this package was left at the front door and we have not received such a package.     I would like to get this matter resolved beca use AMEX is c laiming that I received the package which is not the case, since it was left on a front door some where in the neighborhood by  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasions I have sent my social security card and drivers license to all three CRA 's and old address still re-appear. I have informed them to please remove all other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate.
Product: Money transfer, virtual currency, or money service

Happened on XX/XX/22 I received a call from chase customer service - XXXX ( XXXX ) XXXX. I answered because when I looked up the phone number it showed that it was for chase. I answered and the guy said someone was trying to steal {$2000.00} from my account thru XXXX to a XXXX XXXX XXXX account. He then proceeded to ask for my name and date of birth and deleted my number from my chase banking account and added it to a XXXX XXXX XXXXXXXX account. He said he was going to do a reverse transaction. He made me send the XXXX to my phone number which ended up sending it to their account. The account was registered under someone named XXXX. I have text messages from them adding my number to their account. I contacted Chase about it right away after the incident but they said they couldnt do anything even though it was their own number that was used. I contacted XXXX and was given the same response. I tried talking to Chase again but they didnt help at all. I dont know what to do at this point. Nobody is helping whatsoever. I saw an article where another person went through the same issue and that XXXX XXXXXXXX XXXX ended up crediting her the amount they stole because of Regulation XXXX.
Product: Vehicle loan or lease

Chase is trying to charge me a second late fee and it is ridiculous and I refuse to pay it. 
The first time this happened it was a " technical '' error between my bank and theirs so they removed the fee. 
This time they set me up to make an auto payment on the phone on the last day of the month, full well knowing my payment is due on the XX/XX/XXXX and ten days late will give me a fee. 

My feeling is they do this on purpose, to make me pay fees. 
I will not do it. 
this is not something I did wrong, and I will not pay any late fees I am on XXXX and have very limited income. A late fee of XXXX or XXXX dollars is a lot What they are doing is fraudulent. 

They set me up for auto pay, with my bank account and the date. I called to set this up s. Why would they put it on a day where my payment would be late? NOT MY FAULT>
Product: Mortgage

My mortgage was purchased by Shellpoint Mortgage Servicing in late 2016. My mortgage was set up with an escrow to handle tax payments. The first tax payment was due XXXX and that deadline was missed by Shellpoint. Note that the tax payment due was {$23000.00} and the amount held by Shellpoint already in Escrow is {$34000.00} so there is plenty of my money to pay the bill already deposited. Due to being late that tax payment due has increased to {$24000.00}. I have called Shellpoint several times ( dates may be 1-2 business days off ) XXXX, XXXX, XXXX, XXXX. I have been apologized to each time and they say things have been " escalated ''. I have been told it will be resolved in 7-10 days ( XXXX call ), check is scheduled to go out XXXX ( XXXX call ), and now no one knows what 's going on as none of these things have happened. I have asked to speak to a supervisor multiple times and was successful only once - with a gentleman named XXXX. He was professional on the call & promised to get it taken care of and said he would call me back the following day - the call back never occurred and I was just told by another customer service person my payment would not be going out today as the tax department is now closed for the day. XXXX has been unavailable to speak to me all day today when I 've asked. No other supervisor is available either when I ask. No one can answer if my tax bill will be paid and when, despite Shellpoint having over {$34000.00} of my money set aside for exactly that purpose. If not paid by XXXX there is another penalty raising the bill to {$25000.00}. I am now getting overdue payment notices to my home and also solicitors contacting me to give loans due to my overdue tax status.
Product: Debt collection

I have received multiple phone calls from Capital Management Services asking to speak with my brother. I do not know how they got my number, but my brother does not live with me. I have told them repeatedly to take my number off their list and to not call me. The calls stopped for a few months and I just received another one today from XXXX.
Product: Debt collection

Debt collector keeps calling a leaving messages. They claim they are a Law firm. The " law firm '' is in Utah. I do not live in Utah. Please investigate this company. They use scare tactics to collect on old debts that should be off the records of consumers.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and my SSN has been used for personal gain and this is absolutely unauthorized and illegal. I have files an identity theft claim a few months ago and the Reference number is # XXXX. I have contacted the original creditor of the unauthorized debt, XXXX XXXX XXXX via first class mail. I received an email from that rental property, advising me to contact the agency National Credit Systems about debt. They could not provide me with any accurate information such as credit application, proof of identity, or the residential apartment agreement. I have called National Credit Systems at XXXX and, I was told that the debt was sold to another outside agency and they do not have the adequate information that I am requesting. I will litigate for defamation, improper conduct, relating to unethical business behaviors. I am being treated unfairly about this issue. I am not responsible for this erroneous debt. I have all detailed information on record for this issue also.
Product: Credit reporting or other personal consumer reports

Address listed on Experian is not mine. The fraudulent address is XXXX XXXX XXXX XXXX. I have never lived there. I reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX co XXXX. Experian told me to file this complaint. They would not do anything.
Product: Checking or savings account

Regarding the handling of my Citi XXXX Checking account bonus. The treatment I received from local citi branch, particularly from the XXXX, was unacceptable and highly unprofessional. 

On XX/XX/XXXX, I opened a Citi XXXX Checking account under the guidance of a bank representative. I was explicitly promised a {$1500.00} bonus after meeting all the requirements over XXXX months. At the time of opening, the bank representative and I carefully reviewed the system multiple times, confirming that I was fully eligible, she said that I never open a golden checking account, I was qualified for all requirements. Over the next XXXX months, I maintained a balance exceeding {$300000.00} in my account, trusting the banks commitment. 
When the bonus was not credited, I repeatedly followed up : XXXX, XXXX, a bank expert opened a ticket to investigate the delay, but I received no response. 
After XXXX week, another relationship XXXX opened a second ticket, again inquiring about the missing bonus. 
Finally, a response was found, stating that I was ineligible because I had previously opened a general checking account in the same yearsomething I was never informed of at any point during account opening or multiple follow-ups. 

This response is entirely unacceptable. Not only was I misled into maintaining a high balance in the account for over XXXX months under false assurances, but when I sought clarification, I was met with dismissive and unprofessional behavior from the staff. The branch managers ( a ladys ) response on XX/XX/XXXX, XXXX me to " write down and remember on my own what I had done in the bank '' and that " even if you stay here all day, you wont get your {$1500.00} '' was both disrespectful and irresponsible. 
Additionally : When I sought accountability, the responsible staff locked themselves in a room and refused to address my concerns. 
The new relationship XXXX simply stated that he " took over the case from the previous XXXX '' and could not help. 
At no point did anyone apologize or take responsibility for misleading me. 
This situation amounts to misrepresentation and unfair banking practices. Had I been informed from the beginning that I was ineligible, I would not have been induced to keep such a significant sum in my account under false promises. This raises serious concerns about transparency and ethics within Citi Bank. 
I demand : XXXX. A formal written response explaining why I was misled and why it took XXXX months to inform me of my ineligibility. 
XXXX. A resolution and fair compensation for the time, money, and trust I invested in Citi Bank based on the banks false assurances. 
XXXX. A review of how such cases are handled to ensure that customers are treated with honesty, transparency, and respect. 

The branch info is as follows : XXXX XXXX XXXX, XXXX, CA XXXX
Product: Debt collection

CRA/HIPAA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Credit reporting

I had inaccurate information display on my student loans credit trade lines. After the Department of Education completed their investigations, they sent a correction out to all the credit reporting agencies to correct the inaccurate information and to show no late payments on my student loans trade lines. They also sent me a copy of their findings and sent me documentation stating they had made the correction to my credit report. All the other credit agencies made the proper changes to my report, accept Trans Union, which deleted all of my student loans with XXXX, They have tried to replace the loans back onto my credit file but to no avail. I have spoken to Trans Union and have asked them to put these items back onto the credit report, but was told there was nothing to be done about it, and that these could n't be placed back onto my credit. They took these items off without my permission or knowledge. They created this problem, and should be made to fix it. I would like for this to happen as soon as possible. my credit has taken a toll because of their mistakes. I want my loans put back on my credit file, and shown properly with no late payments.
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. 
XXXX XXXX, XXXX XXXX ****, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, US DEP ED XXXX, XXXX DEP ED XXXX, XXXX Original Creditor : ) XXXX XXXX XXXX  XXXX, XXXX XXXX, US DEP ED XXXX, US DEP ED XXXX, US DEP ED 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -ACCOUNT # XXXX -- -- - {$19000.00} these two accounts was removed from credit report over a year and added back
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a formal complaint to XXXX, Equifax and XXXX XX/XX/XXXX asking them to verify the bankruptcies XXXX XXXX case # XXXX filed XX/XX/XXXX, XXXX filed XX/XX/XXXX, XXXX filed XX/XX/XXXX and case # XXXX filed XX/XX/XXXX that is on my profile with them Equifax and XXXX didn't respond but XXXX send a letter stating they verified the bankruptcies with a company called XXXX XXXX XXXX. I understand according to the Fair Credit Reporting Act 15 U.S.C. 1681g Section 609 they are to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit profile also I understand XXXX XXXX directly owned by XXXX which makes them " affiliated ''. As such, anytime an affiliate shares/furnishes information, with the FCRA right to privacy as a consumer, they are supposed to notify you before they furnish any information granting you the option to opt out and they didn't. XXXX XXXX is getting that information from a 3rd party XXXX and furnishing that information to XXXX, XXXX and Equifax without permissible purpose 604 15 U.S.C. 1681b.
Product: Credit reporting or other personal consumer reports

Received email from Experian showing all of my personal info was " updated ''. The subject line was " XXXX, your account information has been updated ''. My name isn't XXXX and I didn't request any changes. I tried to get into my account and I can't because " XXXX '' changed everything. I called Experian at 3 different numbers. The first one said they only monitor the credit. She gave me 2 other numbers for Experian. I called both of those and only got automated choices, no way to speak to someone ( gee, I wonder why ). There are many, many complaints online from people who have the same problem. Their account info had been changed and they couldn't reach anyone for assistance.
Product: Bank account or service

On XX/XX/2015 my son XXXX received a check from Social Security for a settlement on his XXXX claim, since he has no income he does not have a checking account.The plan was to deposit his check in my account and start a new account at another bank. He endorsed the check and i did too, i then deposited the check in the atm at the bank. This procedure take until the next day for the check to clear.I was aware of this and when i looked at my account on XX/XX/2015 there was no deposit and a note was attached to the deposit.I then called the banks help line, where i was given XXXX different excuses why they did n't deposit the check. the first excuse was that my son was not on my account, the second was a teller did not witness him signing the check! This flies in the face of the banks trying the customer to use as many electronic devices as possible. I 'm XXXX years old as of today a veteran who served his country and that was how i was taught how you deal with checks that was before the internet and to big to fail! the lack of this money has caused severe hardship on my family, we are out of food and need to pay our bills! It is my contention that wells fargo acted in bad faith and should be justly punished!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Checking or savings account

I claimed dispute {$80.00} on XX/XX/2023, The US bank claimed they give me provisional credit {$80.00} to my account which I did not see this credit, I deposited my ending balance {$3900.00} to my other bank, but from start to end, I did not receive any dispute credit to my account, but they claim the dispute is denied, and they want {$80.00} credit back and {$30.00} closing fee, which is unreasonable.