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

On XX/XX/21, a XXXX transaction for {$1000.00} was initiated from my Fifth Third checking account to a person whom I don't know. I have been attempting to dispute this for 14 months with no resolution. XXXX blames the bank, and even after filing police reports, fraud affidavits, contacting XXXX, and even requesting that they provide me with documents supporting their decision that the transaction was not fraud, they will not reimburse my money unless my wireless carrier ( XXXX ) provides a written letter stating that either my phone or computer was " hijacked. '' After speaking to a dozen people at XXXX, they agreed to verbally tell Fifth Third ( via conference call w/ XXXX & myself ). We spoke to both the Office of the President at the bank, and the disputes dept and they are saying this isn't sufficient and they need a letter. It's XXXX 's " policy '' to not write letters like this. I don't know what else to do and they are just treating me like I'm trying to get {$1000.00} from them. I have been a Fifth Third customer for OVER 20 years! 
They have no evidence or documents supporting their decision, and I have sent countless documents supporting my claim.
Product: Checking or savings account

Opened new savings account in late XXXX with min $ XXXX deposit as advertised. Failed to receive an {$800.00} bonus after the maximum 82 day waiting period. Notified Citi many times. I think many other bank depositors are suffering the same problem as I was just finally told there is a backlog. This seems to be an intentional deceptive national practice that allows Citi to earn interest on customer money illegally. I suggest that an investigation be opened immediately.
Product: Mortgage

XXXX pmt was {$1000.00}. XXXX notified me of a {$600.00} escrow shortage in XX/XX/2022 and I sent in {$700.00}. XXXX stmt date XXXX stated pay {$39.00} for escrow shortage and your pmt will be {$1000.00}, if not your pmt will be {$1000.00}. I paid {$50.00} and called XXXX to confirm receipt and was told my pmt  would decrease to {$1000.00}. Instead my pmt increased to {$1000.00}. I called XXXX today and they said they would reduce to {$1000.00}. I asked why isn't it {$1000.00}? He said your pmt will go up even if you have adequate funds in escrow to cover the increase because the Tax Collector said taxes were going up. This is patently unfair as XXXX has adequate funds in escrow to cover taxes and insurance and is collecting more than is necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I noticed a new company on my credit report Im pretty new to the credit world so I didnt pay it any mind, On XX/XX/XXXX I no longer saw the account so I thought it was taken off but I noticed it had been closed that same day. I knew I never opened up a credit card I immediately knew someone used my social to open one and this whole thing was fraud, when I called to report the credit card account, nothing was done, I tried to dispute the credit card account and even went as far as freezing my accounts and reporting fraud but still nothing was done, None of the credit bureaus took my concerns seriously. It is now XX/XX/XXXX and I still have a credit card account that was open in fraud on my account my address isnt been correct because I moved so this had to be done by someone who thought I lived at the same address
Product: Debt collection

left an apartment called XXXX XXXX in XX/XX/XXXX ending, after giving leave and sublease notification of 3 months. Then the apartment was subleased to another tenant, who occupy this apartment since XXXX XX/XX/XXXX. 
He paid the rent for that month of XXXX. Later in XX/XX/XXXX, I was called by the apartment 's new manager that I was owning them, which clear me from the debt after he confirmed that I was not occupying the apartment room as of XX/XX/XXXX. Unknown to me he has sent my name and information to a credit collector called Carter-Young Inc. Then I was told my name was sent credit collector, but they did not clear me from this dispute. This has been hindering my XXXX XXXX since XX/XX/XXXX. And has an untoward effect on the financial situation. 
The name of the credit collector is Carter Young Inc. 
The name of the occupant of the room in XX/XX/XXXX was XXXX XXXX ( MD ) The name of the apartment is XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FRADULENT CREDIT INQUIRIES ON XXXX CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRADULENT CREDIT INQUIRY ON XXXX XXXX XXXX XXXX FRADULENT INQUIRIES ON EXPERIAN CREDIT BUREAU XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax has failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

This is regarding a dispute resolution regarding the {$1200.00} charge from XXXX XXXXXXXX on my Chase credit card. 

We paid a {$1200.00} business upgrade fee to be seated in business class. When we go tot he airport we were held at the counter for 1 hour only to be told at the end of it that we could not be seated in business. Our family was also separated and we could not seat together despite having an infant with us. We requested a refund there but they refused to do anything and instead told us to contact the airline after the flight. I contacted the airline and never heard back since filing the inquiry in XX/XX/2022. It has been 4 months and this company has never gotten back to us. That is why I filed a dispute with Chase since I never received the service I paid for. Chase has done nothing about it over and over. 

I filed the dispute after following their procedures and being shamelessly ignored. I received an email from your department with many pages of useless paper which is apparently the airlines response. Evidently no one at Chase bothered to review the papers because it shows where we were seated on our flight which were ECONOMY SEATS. Yet CHASE sided with XXXX XXXXXXXX despite their own documents showing that we were seated in economy even though we paid a business upgrade of {$1200.00}. 

I have been defrauded and ignored by XXXX XXXXXXXX and Chase is refusing to do anything about it. You need to give me my {$1200.00} back because I never receive the service I paid for.
Product: Credit card or prepaid card

Citi keeps decreasing my credit limit putting me in a place to be at 99 % utilization which is adversely impacting my credit score. They provide no advance notice and I feel this is unfair and deceptive because I cant avoid the impact on my credit score. I pay them on time ( excellent payment history ) and I try to keep my utilization low. This is not a good practice and if it wasnt going to further impact my score I would close this account. This appears to be a common practice for Citibank and needs to be investigated for the negative unavoidable impact this is having on customers. I will never open another product with this financial institution.
Product: Credit reporting or other personal consumer reports

Informed XXXX and XXXX to Remove listed Inquires. 
And produce P.O.A and Informed Them That the name XXXX XXXX XXXX and any variation of the name is attached to a Registerd Security Agrement
Product: Mortgage

Shellpointe sent me a copy of their welcoming letter. Shellpoint states my loan was transferred to Shellpoint by XXXX. The letter is dated XX/XX/XXXX. XXXX XXXX was not not my previous loan servicing company. I told Shellpoint many times XXXXXXXX XXXX XXXX XXXX was my loan servicing company. Shellpoint ruined my credit for a late XXXX payment. I paid the XXXX payment to XXXX as I was told in writing by XXXXXXXX XXXX  XXXX XXXX. I asked many times for proof Shellpoint is my loan servicing company. XXXX was NOT my loan servicing company it was XXXX XXXX XXXX. Shellpoint knew this and yet continue to collect mortgage payments from me with misinformation. Shellpoint responded and said that they servicing company on a letter dated XX/XX/XXXX and mentioned the loan servicing company that was being transferred was from XXXX this is not accurate Shellpoint ruined my credit. XXXX ignored my many request to prove that they are servicing the loan company. XXXX sent me official notification that XXXX XXXX was my loan servicing company. Shellpoint saw the community notification but ignored it. 

Shell points response was that XXXX transferred the mortgage to them I advised them many times that community loan service was my service provider not XXXX Shellpoint also asked me to contact community loan service to prove that Shellpoint is my new loan provider. XXXX told me to pay XXXX XXXX in writing not to Shellpoint. 

Shellpoint sent a Copy of a letter that they say was sent on XX/XX/XXXX Shellpointe requested payment on XX/XX/XXXX. I told Shellpoint that I paid XXXX XXXX as instructed by XXXX XXXX XXXX. 

Shellpoint ruined my credit. Shellpoint took mortgage payments without any proof that community transferred the loan to Shellpoint. Shellpoint didnt even provide me proof that XXXX XXXX transferred my loan to Shellpoint. I did not receive any letter from XXXX telling me to pay Shellpoint, because XXXX was not my loan servicing company. Shellpoint knew all this and still took my mortgage payments without any proof they are my loan servicing company.
Product: Credit card

On XX/XX/XXXX I was charged {$39.00} for a " delinquency charge on {$490.00} '' and another {$39.00} for a " late fee for 45-day past due balance ''. Both of these fees were assessed on XXXX and both were for the same balance due. So really, they 're charging me a {$78.00} late fee. The amount of these charges were disclosed on the prior statement received and I was n't able to find any mention of a " delinquency charge '' in their online help system. When I spoke with their online chat agent I was told that I was 60 days past due and 45 days past due, even though the balance was from a single charge and their statements are released once a month.
Product: Debt collection

I learned in 2013 a company named Calvary had filed a XXXX negative reports to the credit bureaus for a claim on XXXX and XXXX XXXX credit cards. I wrote and asked them about the reports, asked them to provide proof of a debt to which I was unaware, and to cease and desist. They mailed me statements that reflected fees and interest and otherwise gave no information. Apparently, then it was given to XXXX and XXXX and I wrote XXXX and XXXX and again inquired. Since my efforts, a suit was filed and a judgment granted, all without my knowledge even though they had my contact information and we were corresponding and talking by telephone, no one told me. I found out when my checking account began being garnished! This has caused me a great deal of stress and additional financial problems because of the garnishment. I may now have to file a bankruptcy! I need help getting the judgments repealed, the reports removed from my credit bureaus and my garnished money returned to me. This should never be allowed to happen to any American consumer. I believe these companies have acted illegally and in bad faith pursuant to Kentucky statutes of the Fair Consumer Act and the Federal Trade Commissions policies and ordinances.
Product: Checking or savings account

Around XXXX of 2022 I phoned the XXXX XXXX to complain to the XXXX about no one answering the phones as I had a question. XXXX XXXX phoned me and said, You have 3 minutes You think you know everything And finally threatened to close my account and said and I quote, Ill tell you what I am gon na do, Im gon na close your account here. I filed a complaint both with the branch and the Chase XXXX department but no one took me seriously. The new branch XXXX named XXXX XXXX accused me falsely along with XXXX and lied and told their superiors that I had used graphic language towards XXXX and that other employees heard me using profanity. Theres just one problem with that story. I wasnt at the branch that day. After calling XXXX to complain she naturally took the side of her employee and then made a call to Chase and I received a letter in the mail from the bank falsely accusing me. This is a XXXX of justice! Clearly the private client group XXXX lied to his superior in the fear of losing his job as he threatened me with shutting down my account because his ego was bruised. I ended up opening a new bank account with XXXX who couldnt believe what was done to me. I had been with Chase for over 14 years and suddenly Im a threat to the branch and its employees who Ive been baking for for years and who I knew on a first name basis,
Product: Checking or savings account

XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 I got charge for {$150.00} through Bank of America, from XXXX New York. I have no clue about that charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reportind act ... The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under.15 U SC 1681 XXXX XXXX # XXXX, has violated my right..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 state a consumer reporting agency can not furnish a account without my written instruction Thus this i highly injurious... ..Delete these account immediately unless you wany to be held 1,000 per volation ... ..spring oaks capitial llc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  also my spending is not XXXX the balance of my XXXX is wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking my credit and I notice this account thats not my mines reporting on my stuff man and from what Im hearing As you know reporting inaccurate information on my report is against the FCRA and it needs to be removed Immediately if you do not have any written documentation of my consent to this I ask that it be removed immediately.. 

Deptednelnet XXXX Deptednelnet XXXX
Product: Credit card

complaining regarding the deceptive practices related to their capital one credit card accounts I called my credit card company to explain my current financial hardship, hoping they might be able to work with me on a solution that would allow me to continue making payments and maintain good standing with them. I laid out my situation and asked if they could offer any assistance, such as a lower payment plan or temporary relief. Unfortunately, their response was not what I had hoped for. They told me they couldnt provide any support and that I would need to figure something out on my own. Despite my efforts to communicate my challenges, they were unwilling to help, leaving me feeling unsupported during a difficult time, I have called multiple times trying to work something out with them and im being denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX are reporting some fraudulent account s on my credit report. Here are the list of the fraudulent accounts : DEPT OF EDUCATION/ XXXX : {$4500.00}, {$3500.00}, {$2700.00}, {$2100.00} {$2000.00}, {$1800.00}, {$1000.00}
Product: Credit card or prepaid card

Key bank is charging me a monthly interest fee if though my payment is automatically submitted at the same time before the end of every month. They have not communicated that the payment date is insufficient to process my payment in a timely manner. Their interest fee of $ XXXX is nearly one third of my payment quantity which is already only paying a fraction of the principal. This seems like they are manipulating my payment process to increase their revenue model. This has been happening for several months and has decreased the efficacy of my submitted payments against my true balance.
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. Its my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify is accurate. XXXX XXXX XXXX XXXX XXXX Open XX/XX/2021
Product: Debt collection

On XX/XX/year>, I received an email on my XXXX account from two home service providers ; XXXX and XXXX & XXXX XXXX XXXX XXXX XXXX I received several emails being apart of a class action lawsuit regarding hacked servers that had proprietary consumer account unique identifier information that was exposed on the dark web using XXXX and XXXX XXXX software by XXXX XXXX, XXXX of XXXX XXXX XXXX. These hacks caused unauthorized debt to be posted to my personal line of credit in associated with the last four digits of my SSN being used to uniquely identify myself when calling customer service. These hacks have caused financial harm to my own personal life and I am asking the leading credit bureau Experian to delete reported items due to a violation of privacy laws by the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing Fraudulent Information on my credit report since XX/XX/XXXX requesting that the Credit Bureaus remove the disputed items completely from my Credit Report. I have been waiting for their response but up until now, I haven't gotten anything from them. I immediately sent another letter dated XX/XX/XXXX to follow up the previous letters I have been send. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, TransUnion, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act section 605b and continued reporting the disputed items without proper verification within the time declared by law, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I am requesting that the disputed information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

TRANS WORLD SYSTEMS, debt collection agency have been calling me daily claiming I owe thousands of dollars to a XXXX lab. When I told them I have never had any XXXX lab work and that this debt was either a mistake or possible identity theft, they claimed they would look into it but still insisted I make payments. They also claimed that I had made prior payments in the past which was not true. They were not able to accept that I would not make payments for a debt. that I did not owe. They were persistent and didn't seem to get the message at which point I hung up.
Product: Debt collection

On XXXX XXXX I received a collection notice from American First Finance in regards to a collection account in the amount of {$730.00} and while I have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692k CIVIL LIABILITY consumer is requesting {$1000.00} USD for violating me directly and causes of mental confusion and stress.
Product: Credit reporting or other personal consumer reports

The late payments reflected on my account do not align with my typical payment history.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2024, I received an email stating the following : Dear XXXX XXXX XXXX This email is to inform you that despite our numerous attempts, we have been unsuccessful in finding a resolution with respect to your outstanding balance on your account. 
Unless a payment arrangement is reached, your file will be sold to athird party without further notice. 
CONTACT OUR OFFICE NOW TO DISCUSS A SETTLEMENT OFFER ANDAVOID FURTHER THIRD-PARTY COLLECTIONS. 

This contradicts the email sent on XXXX which states the following : Please note that you are receiving this confirmation electronically pursuant to the Electronic Communications Agreement that you signed when you entered into your Line of Credit Agreement # XXXX. 
The current outstanding balance on your account, XXXX  referred to as your XXXX Account, is {$3000.00}. 
Further to our conversation on XX/XX/2024, you have verbally agreed to the following Payment Arrangement on your XXXX Account. 

I don't understand why they are stating that they haven't been able to reach me to reach an agreement. I have done everything they asked and made my first payment of {$100.00}
Product: Debt collection

On numerous occasions Ive asked for the information on this debt, its showing XXXX different amounts owed, but I have no idea where this debt originated