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

My wife and I have had a Chase checking account for 20 years and have deposited from {$8000.00} to {$17000.00} per month. We have never had a problem and we have no criminal histories. My wife religiously reviews each statement. In late XXXX my wife was XXXX with XXXX XXXX. This event resulted in 3 months of stress, XXXX, and fear, driving 100 miles each way 3x per week for appointments with the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  During XXXX, XXXX, XXXX, XXXX XXXX, many routine activities were disrupted and neglected, including review of checking account statements for fraudulent activity. During this chaotic time, neither of us even looked at the checking account except in early XXXX I briefly looked at the account and saw 11 consecutive unrecognized, unauthorized charges which occurred on XX/XX/XXXXI disputed these and Chase fraud appropriately credited our account. In late XXXX, XXXXXXXX XXXX XXXX and things returned to normal. Upon carefully reviewing the statements for XXXX, XXXX XXXX XXXX, we were shocked to see ~ {$8000.00} of repeated unauthorized charges taken from our account using my debit card number. These were all charges from an assortment of well documented XXXX XXXX XXXX-based " merchant/financial '' scammers. The internet has report after report on rampant debit card fraud fraud perpetrated by these criminals. We, with the help of our branch manager, filed a dispute and claim for these charges on XX/XX/XXXX. We fully expected Chase to honor their legal responsibility, provisionally credit our account with the charges and investigate. Instead, we received a letter on XX/XX/XXXX stating that Chase was irreversibly closing our account and that all disputed charges were considered to be authorized by us. The explanation given was we were a high risk. They then locked us out of our account, reversed all previously-credited disputed charges and basically treated us like dirt. They also emptied the checking account ( ~ {$2000.00} ) to pay for previous claims which they reversed.

We consider this treatment to be grossly unfair, illegal, and inconsistent with the tradition of banking in America.
Product: Checking or savings account

I have been trying for a month to get a statement from Capital One verifying that a checking account was closed in 2015. This is needed by XXXX to verify assets. Despite numerous phone calls and documentation from me, they have yet to produce this verification
Product: Debt collection

They call constantly. This big issue as medical debt, my information is under HIPAA protection. When they call to authenticate, the supply the information such as my name and DOB that they use to authenticate. This means anyone can just say yes and have access to my debt info with them. This is a backwards process that is a potential breach of PHI.
Product: Credit reporting, credit repair services, or other personal consumer reports

The vehicle was repossessed five years ago. On my credit report showing at the balances are increasing, and that I have five years of late payments from the car was already repossessed and sold at auction.
Product: Checking or savings account

A week ago started seeing problems with my KeyBank checking account. Could send ACH or use XXXX. Have called called customer service at XXXX and they confirmed that account is locked due to fraudulent wire transaction and I was advised to go to my nearest branch to unlock it. I live in XXXX  now, when I opened account used to live in XXXX. Now my nearest branch is in XXXX. Customer service told me to try contacting branch where I opened account and that branch is in XXXX, XXXX. Have called them but they didn't help in resolving my problem with locked account and my funds are unavailable for use.
Product: Student loan

On XX/XX/XXXX I enrolled in the Student Loan Movement plan. On XX/XX/XXXX I requested information regarding my payments and student loan status. I received no response. On XX/XX/XXXX I contacted XXXX to find out that my principle balance had not been affected and that my payments were not be credited for the public services loan 120 payment plan because paperwork was still needed. I completed the annual recertification and changed my passwords to my student loan accounts online. 

The same day, XX/XX/XXXX, I contacted the customer service number to Student Loan Movement to cancel my plan. I spoke with a man by the name of XXXX, who informed me that he would be contacting XXXX to tell them that I do not qualify for the income based plan or that I didn't want it. XXXX stated that he would be sure to have my payments increased to at least {$400.00} a month. During this conversation, I requested that all payments be stopped from withdrawal of my account and specifically stated that I give no one but myself permission to access any of my student loan accounts. XXXX continued to threaten me saying that he was going to contact them and increase my payments.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : I made the required payment on time, as reflected by my bank statement. I have attached a copy of my bank statement, showing the payment was made before the due date, yet it was incorrectly marked late. 
No Late Payment Notice : I never received a notification or statement indicating a late payment or any penalty associated with a late fee. This suggests that the payment was not considered late by the creditor at the time.

Processing Delay on Creditors End : The payment delay resulted from a processing error on the creditor 's end, which should not reflect poorly on my credit history. The payment was processed late through no fault of my own. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
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 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.

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 or other personal consumer reports

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 XXXXXXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

My name is XXXX XXXX, and I am writing to formally dispute inaccurate, unverified, and false information currently reported on my credit file. Under the authority of the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws, I am requesting an immediate investigation and correction of these issues. I have recently educated myself on the rights and protections afforded to me by federal laws, and I now understand that the reporting of these items is in clear violation of those laws. Furthermore, I have become aware that my Social Security number was part of a worldwide breach, which raises additional concerns about the accuracy and security of my personal information. 
The items in question are as follows : Charge-The following charge-off accounts have been inaccurately reported, violating 15 U.S.C. 1681s-2 ( b ) and 15 U.S.C. 6802, which require accurate reporting and protection of consumer data : Late Payments The following accounts report late payments, which should not be listed due to violations of 15 U.S.C. 1666b, requiring creditors to properly notify and resolve billing disputes : Hard Inquiries The following hard inquiries appear on my credit report without permissible purpose or my written authorization, as outlined in 15 U.S.C. 1681b : Actions Requested I am formally requesting : 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 Legal Background Under 15 U.S.C. 1681i, I have the right to dispute inaccurate information and receive proper documentation or removal of unverifiable data. If Experian can not validate or verify this information, it must be deleted immediately. 
I appreciate your prompt attention to this matter. Please provide me with the results of your investigation within 30 days, as required by the FCRA. Should you have any questions or need additional documentation, please feel free to contact me directly. 
Sincerely, XXXX XXXX 2.

Removal of any item that can not be fully verified or does not comply with the applicable laws.

3.

Documentation and verification for any item you choose to retain on my credit report.

4.

Immediate cessation of reporting inaccurate or unverifiable information.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation XXXX breach has destroy my life again not my scores are so low i cant do nothing new accounts that are not mine so many inquires sent the police report of fraud and Idtheft gov need this to be taken care of asap
Product: Debt collection

I received the information from them and paid the debt. They did not withdraw the request for wage garnishment and now there is an order in place to take my wages for something I already paid
Product: Debt collection

LVNV Funding LLC amount owe {$830.00} Not My Debt Called Company directly to dispute XX/XX/2020 company still hasn't responded or remove/delete from my credit file
Product: Payday loan, title loan, or personal loan

I have a account at Comenity Bank and I have made all my payments on time I have paid ten payments in eight months and I have even paid more than my minimum payment many times.

And they have charged me outrageous fees. Late fees and finance charges over two hundred dollars which I refuse to pay. The people I have spoken with are less than professional and they Demand that I am always late with payments. My payments are due the 27th of the month I pay My payments on the first few days of the month every month. They charged me late fees on the first day of the month with my first payment. I have sent messages to them through their secure Message system many many times with no reply. I have sent a written letter to them addresses to the Bank Manager no reply. I am only making my payment of {$100.00} per month until I can find another bank t
o finance this loan. I am on a fixed income and have limited money each month. To find financing is difficult because of my income. I have never had this problem in my life with any Bank or any Finance Company because I always pay my bills and on time. I tried to explain to them that my payments are early very early not late, and they said no that I was always late. I wonder if other people are having this same problem with this Bank? I no longer have access to my account there it has timed out and I am unable to access it. 
Thank You for any help you can offer in this matter. How will you know how to get in touch with me?
Product: Payday loan

The name of my bank is XXXX BANK located in XXXX XXXX, NEVADA. 

The lender charged mine and my husband 's bank account on the wrong day and for the wrong amount. 

I obtained XXXX payday loans from XXXX separate lenders. I do n't recall this lender being XXXX of them. They 're alleging I obtained a payday loan from them online. I question that, because anytime I 've ever applied for a payday loan online, I still had to speak with them over the phone and/or see them in person to finalize it. This was not the case with this lender, everything was allegedly done online according to them. In XXXX of 2015, I made contact with all of my creditors, including this lender, and informed them that due to unexpected unfortunate circumstances that have effected my financial situation resulting in financial hardship, I would only be able to make monthly payments of {$50.00} via money order or cashiers check on the XXXX of each month. I advised all creditors to discontinue debting my bank account for payments because there are no available funds for them to do so. I went on to say that I was very sorry for any inconvenience this may have caused and that beginning XXXX/XXXX/2015, I would be making monthly payments via postal mailed money order or cashiers check in the amount of {$50.00} to pay off any outstanding debts, that was the best I could do. 

This lender disregarded the information I provided and continued making attempts to ACH my bank account. Doing that only resulted in my bank account charging me fees for insufficient funds. 

On XXXX/XXXX/2015, this lender sent me an email that displayed all of my personal information in it, including name, full social security number, address, etc. Threatening me with legal action, accusing me of committing several crimes and harassing me in the worst way possible ( see attached copy of the email )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of Transunion to retain disregard a consumer 's appeal for the alteration of the disputed accounts on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the accounts being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed accounts saying that the information they gave is precise, with which I seriously disagree. I am submitting this complaint to you today to request that Transunion run me copies of documents bearing my signature to prove the status of the disputed accounts. If they are unsuccessful to comply with the condition and continue the reporting of the disputed accounts, please realize I will pursue legal action. I need the accounts corrected XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Recently XXXX XXXX companies, XXXX XXXX XXXX and XXXX XXXX XXXX appeared on my credit report with XXXX XXXX, Equifax, and XXXX. I have never done any business or signed any contracts with these companies. Nor have I provided the companies with any written consent to use my name and other identifying information. I do not know how the companies obtained my identity information. 

The companies actions have left me feeling vulnerable and violated. And my credit rating is also being damaged because to the actions. It is a XXXX Crime to utilize a persons identifying information without any authority or consent.
Product: Credit card or prepaid card

I opened up a XXXX XXXX account in order to get a XXXX XXXX Amex credit card. I then got it. 

My XXXX XXXX account was closed. 
Amex let me know I have until XX/XX/XXXX to open a new account or my amex card will be closed. 

In XX/XX/XXXX I opened a new XXXX XXXX account. 

Still Amex closed mt credit card on XX/XX/XXXX and blamed it on XXXX XXXX. 

I called XXXX XXXX they said it was Amex decision. 

Fact is someone is lying and acted against their own terms and conditions.
Product: Checking or savings account

upon visiting our uncle XXXX XXXX we discovered discrepancies with his TD Bank checcking and savings accounts. Our uncle made us POD and then he made us Power of Attorney. I contacted TD Bank via XXXX registered letter asking for clarifications w a copy of the Power of attorney, they have ignored our letter of XX/XX/2022. I then sent a copy of the letter to the CEO & director of consumer experience and no response to date. all documents were sent and confirmed by receipts. I have attached copies of all documents. Help appreciated
Product: Mortgage

Each time that insurance premium is due, they ( OCWEN ) say do not have insurance. They pay late. This time they have not paid, and I now do not have insurance, but I bet they are going to charge me to have their ( OCWEN ) insurance. You can get backup from me and my insurance carrier. They also, for a time was not applying that paying extra monthy, that paying bi-weekly and not sure where that extra money was being credited. When reported them last go round, I went from owing about XXXX to XXXX just like that. The company is not easy to get a person and if you do, they can not tell you anything, you must contact this number. We pay on time and extra, and I expect to have coverage on insurance. At this time, I am working to get a payment to my insurance, but I bet I have a letter coming about having to pay their insurance because they can not provide I have insurance. I have emails showing they are being contacted and that they handled last time. This is a very questionable company, and I am at risk because of their questionable business ways.
Product: Checking or savings account

Since last XX/XX/XXXX I am trying to denounce the bank Venmo that they have frozen my account which I have with XXXX dollars and I can not use it thanks to them that they have not wanted to unfreeze it and my payments have gone bad thanks to them and I have generated debts Over time due to delays and non-availability of money and I have tried several times to send emails to which they always answer the same thing and they do not solve my problem. The phone calls are not answered, I really feel very affected and cheated by that bank XXXX I just want to get my money back and never use or suggest that bank to anyone again so they don't lose their money or the same thing happens to me
Product: Debt collection

I have recently been alerted to a collections account added to my credit report. I received a phone call from a collections agency at the end of XX/XX/XXXX informing me of this account and telling me that I owed {$110.00}. I told the agency, I have no knowledge of this account ( as I have not received any billing or invoices ) and to please send me written verification of this account. I then proceeded to contact XXXX XXXX and asked to speak to the Manager on duty ( I believe XXXX an Asst. Manager ), he then proceeded to inform me of late fees and return fees that I have been assessing  for the previous months and told me I would have to speak with the GM as to any resolution. I was told that the XXXX would contact me the next day ... I have been unable to speak with this person since ( about a week ). I have still not received anything in writing from the company in question or the collections agency verify this debt at this time ( XX/XX/XXXX ). 

My chief complaint : I would like to understand how a business whose main point of advertising " no contracts '' is holding my credit score XXXX on a contractual premise that I owe them money, which was never billed or disclosed to me until a phone call from a collections company. I understand that business protocols take time to be established and oversights happen, but the sheer amount of similar complaints I have recently read in the BBB, XXXX reviews, etc. are all pointing to illegitimate and unfair business practices. 


FIRST CREDIT SERVICES Last reported : XX/XX/XXXX Balance {$110.00} Highest Balance {$110.00} Opened XX/XX/XXXX ( 1 mo ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX XXXX