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

On XX/XX/22 I walked into a Chase Bank in order to bring my account current that had been closed due to overdraft fees without my knowledge. My account had a minor overdraft of around {$30.00} - {$50.00} in actual debit charges and then additional fees due to the few overdrafts bringing my negative balance to a mere total of {$370.00}. When I XXXX money to my Chase account is only when I realized the account had been closed by Chase. Therefore I walked into the bank to bring it current after being told over the phone by multiple employees for Chase bank that I can easily open a new account after I bring it current. However, that was not the case. After waiting in the bank for an hour for them to figure out how to bring my closed account up so I may pay the bill they had me sit with a banker and denied me a traditional checking and savings account. They did not give me a reason as to why I was denied and only offered me a prepaid debit card which did not allow Bank wires or deposits of any kind. Not only did Chase close my account without my knowledge and lie to me they then ran my credit without my consent which is they basis for why they denied me opening a new account only due to sending me a letter later in explanation. If I would have known that my credit needed to be run in order to open up a new account even as a previous customer I would have never opened up a Chase account to begin with. I did not consent to any credit inquiries by Chase Bank and all of these are fraudulent due to them not requesting or even alerting me that my credit would be run. This is illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried for 3 months to get validation of medical debts. I've disputed and in every case have been told the debt was valid without any validation of the debt by me. I was in the hospital in XXXX but the debts are dated for XXXX... I'm assuming so these debts could be rushed to my credit report bypassing the 6 month wait period. I've dealt with the hospital and their {$120000.00} bill and only received care while confined to the hospital with no followups are outside care. The bill from the hospital is about 60 pages and I see no debts for the amounts that were turned over to the collection agencies. I've never received any billing nor any communication with collection agencies. I'm confused how the credit credit bureaus can determine a debt validated without me?
Product: Credit reporting, credit repair services, or other personal consumer reports

Child support reported me to be in collections for a case that child support was paid directly from my work checks during the same months it was being reported as a collection improperly. 
This has cause me to lose are large portion of available credit and damaged my perfect credit history. I have been trying for 4 years to get this resolved without succaess.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my credit report last week and to my surprise there is inaccuracy regarding an already submitted tender of payment to XXXX XXXX services. I have the receipts and signature card from the post office that they had received it and it appears that I had an adverse action taken against me and the card was closed for usage but I have been getting phone calls from unknown solicitors asking for my name using a digital voice recording and it is harassing me for something that should have been taken care of long ago. 

I have the remittance receipt, green post office postal card and the certified mail receipt that it was send. XXXX XXXX XXXX XXXX XXXX. 

There are certain banking rules and procedures set in place and I believe that the negative adverse reporting which is damaging to me is in violation of my privacy based on me not being asked to opt out of third party reporting. 

Thank you. 
XXXX, XXXX
Product: Checking or savings account

Bank of America has continually allowed me to overdraft my checking account without any consideration to the fact that there may be a problem on my end that's causing me to consistently overdraft my account and charge NFS fees. Over the past several years I have been changed from what I can see so far 56 NFS fees for over-drafting my account. Now that is just from what I've been able to research and go back on my account, I have copies should you like to see them, in any event, it's excessive and Bank of America should've realized that this was an ongoing problem and restricted my account, and not allowing me to overdraft. But Bank of America continued to take advantage of the fact that I was weak and had a gambling problem and therefore kept driving my account into the negative and therefore continue charging me NFS fees. 

Now if this was just a few NFS fees here and there I can understand Bank of America charging me the {$35.00} for the NFS fees but from what I've counted so far it's close to 100 NFS fees in just the last two years if not more. It is the bank 's responsibility to recognize one account is being abused in place restrictions on that count to keep that customer from continually over drafting accounts for purposes that are not considered an emergency were finances are needed. 

I have called Bank of America multiple timeXXXX asking them to reverse the NFS fees but they continue to tell me that at this time there's nothing that they can do about reversing the fees.
Product: Checking or savings account

Mistakenly send a Zelle transfer to the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
2.The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report that shows a inquiry on all three credit agencies. From XXXX XXXX XXXX XXXX. I did not agree to let them do a hard inquiry because I put my XXXX number in but they ran my personal anyway. I wish You to remove this inquiry from my credit report. In accordance with the fair credit reporting. 15 u.s.c. 1681 section 602 a states I have the right to privacy.This is the application # for XXXX XXXX XXXX XXXX On XX/XX/2024 ... XXXX
Product: Student loan

With the assistance of   XXXX   XXXX   XXXX    financial c ounselors I received a Federal Family Education Loan Program ( FFELP ) for {$56000.00}. Payments started   XX/XX/XXXX . Ne ver missed a payment, have paid fo r 10 ( almost 11 yrs ) . I am a   XXXX   XXXX   but was told I do not qualify for loan forgiveness because this was not a " direct loan ''. Yet, I owe {$40.00},  XXXX  still on the loan, after paying {$27000.00} in interest and {$16000.00} on the principle. I have paid {$44000.00} on {$56000.00} and still owe {$40000.00} and even though I qualify for loan forgiveness based on payment history and vocation. I am  XXXX   XXXX   XXXX  and will retire in   XX/XX/XXXX   with 31 years  of   XXXX   XXXX  .  This was to my understanding a Federally Funded  Loan Program or is the title  meant to be misleading. No wonder people just give up and default.
Product: Credit reporting or other personal consumer reports

Per 15 USC 1681 ( c ) ( 2 ), BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

Unfortunately, my personal identifiable information was compromised and used to open 2 fraudulent credit card accounts. I was a victim of Identity Theft. I am attaching my FTC Identity Theft Report to have these 2 accounts removed from my credit file by this Creditor.

There are 2 addresses on my credit file that I do not recognize and they need to removed too. ( XXXX XXXX XXXX XXXX XXXX, MD XXXX and XXXX XXXX XXXX XXXX, MD ) These accounts need to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written all 3 credit reporting agencies and also the loan company about this issue over the course of about 3-4 years. I spoke with a credit reporting company last year and they informed me that this would be off my credit and it is still showing up and is incorrect and is causing my credit score to keep decreasing making it hard for me to obtain things and  making it hard in me and my family financially. I need this information removed from my credit as soon as possible.
Product: Credit card or prepaid card

Overdraft fee in the amount of {$35.00} on XX/XX/2022 XXXX waa deposited on XX/XX/2022 and was still charged overdraft fee on XX/XX/2022 transaction Monthly service fee of {$10.00} on XX/XX/2022
Product: Mortgage

I have a home equity loan with Chase since XX/XX/XXXX. I am currently repaying it. The HEL is secured by my house. I had received XXXX  every year untilXX/XX/XXXX. I did not receive one for XX/XX/XXXX. I have tried to contact Chase numerous times and I have been told that the HEL is not secured by any real estate therefore they are not issuing a XXXX. This is completely wrong. The terms of the loan have not changed. I have been waiting for the XXXX and spent numerous HOURS on the phone with several agents, even with my branch manager, but they are refusing to issue a XXXX.

I am unable to file my taxes without that document. I need to submit copy of my taxes for my request for financial aid for both of my kids.

I have copies of XXXX from every year up to XX/XX/XXXX. Chase is refusing to correct their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 my credit report is showing that I am 150 and 120 's days late in the most recent 12 months. The problem occurred when I fell behind on my truck note because of some financial difficulties and the truck was repossessed. The finance company XXXX XXXX ( XXXX  ),  added repo fees and late payments to my account totalling {$3000.00}. I talked to ( XXXX ) and I paid the repo fees ( {$1200.00} ) and was able to set up payment arrangements and I got the truck back. XXXX did not explain that the late payments and fees would become part of my present payment and not be placed on the end of the account. Now XXXX is requiring the {$3000.00} to be paid first and until it is paid my account will remain 150 to 120 days late and reports this the credit bureau. I have has been making the agreed payments on time each month but it is still showing late because of the {$3000.00} balance. My credit report is being ruined because of this. I spoke to XXXX to see if something could be worked out concerning this to help me improve my credit and XXXX refused to help with anything. According to the payment arrangments set if I continue to pay {$550.00} a month, only {$75.00} is going towards the {$3000.00}. This means that it will take nearly two years for this balance to be removed and by then 120, 150 days will increase to where my credit is ruined.
Product: Credit card

On XX/XX/2016, I applied for a new credit card account with Fifth Third Bank. On the initial application, I indicated XXXX existing financial accounts to be considered for balance transfers. I would only do a balance transfer if I received a high enough credit limit and the online application would not advance to the following page without putting something in the balance transfer space. The credit limit that I received was only {$3400.00} which was not enough to do a balance transfer as well as use the card for purchases. I called Fifth Third Bank to cancel the balance transfers and subsequently received 2 letters confirming cancellation of the balance transfers. 

On XX/XX/2016, I attempted to use the Fifth Third Bank credit card however the transaction could not be processed. I called the bank and was told that my account was in the negative due to the XXXX balance transfers. I also asked to have the balance transfers reversed and was told that this could happen due to payoff checks having gone to the XXXX accounts. 

Now, my account is in the negative, my credit utilization rate more than XXXX % and a brand new credit card has been maxed out. These balance transfers took place without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX. I am reaching out about fraud on my credit in the amount of {$2900.00}. The problem is with SOUTHERN MANAGEMENT SYST - XXXX XXXX XXXX  XXXX. I moved out a few years ago due to black mold. I informed management about the mold multiple times, and they did nothing. The grout, drywall, and framing was full of black mold to the point where it made me sick. They would come paint over spots where the mold came through the drywall from the back with REGULAR paint. This is obviously not enough to fix mold behind the drywall or in the wood of the frame ... I moved out without paying the last few months of rent because FL law states that a landlord must provide a livable environment in order for the lease terms to remain valid. I ran air tests of multiple types, all of them came back showing toxic levels of airborne spores. I have tried to contact them multiple times about this. I never curse, I am polite, I let them talk. I just want to get this resolved because it affecting my credit & it was blatantly wrong. The office people are rude at XXXX XXXX and SOUTHERN MANAGEMENT SYST hang up on me as soon as I bring up mold. Both companies/entities are awful & I am not the only one having these problems. A quick XXXX search will easily show that they have done the same to dozens - if not hundreds of other people. The fact that the company hasn't been shut down, and XXXX XXXX hasn't been torn down is horrific. I need help getting this resolved properly. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + XXXX + XXXX + TransUnion, There is a credit card I am an authorized user on - that is not showing up on my credit reports - that should be showing up. 

This is for a XXXX XXXX Credit Card - dated XX/XX/2019 - it has always been paid on time. 

My drivers license ( for ID and address ) plus full account information is attached to this complaint. 

Please have this card show up on my credit reports as soon as possible.
Product: Mortgage

Our loan originated with XXXX for our primary home. We utilized our local financial institution XXXX XXXX XXXX  XXXX and set up automatic payments for the XXXX loan immediately ; we have done this with XXXX prior mortgages as well ( automatic payments ). When I applied for a commercial loan after acquiring my mortgage from XXXX, I was notified that my credit report was showing late payments by XXXX for my mortgage. I was incredibly confused and contacted both my financial institution XXXX XXXX XXXX XXXX  and loan provider ( XXXX ) immediately. I need to add that my personal checking from which the automatic, monthly mortgage was paid had more than substantial funds for the mortgage each month. My bank assured me that they were sending the payments on time. XXXX denied my request to get the late payments removed and the marks for my credit report. Their official letter blamed me and XXXX bank for the late payments- even though I was set up for automatic payments and always had sufficient funds and my bank confirmed they had sent all payments on time. In XXXX of this year ( XXXX  ), XXXX sold my mortgage to XXXX. They discovered that I had late fees to pay and had been continually been reported to the credit bureau. They thought that perhaps as the payment amount fluctuated ( escrow and taxes ) and that I needed to call my bank to change it every time, even though I was set up for automatic payments. Today, when speaking to XXXX, they told me to call my local bank to fill out papers to change my monthly payments every time it fluctuates, but my bank confirmed I do not need to do this because thats what Im already signed up for. This is the same way I had automatic payments with XXXX as well. I called XXXX and another representative confirmed it should change and pull the amount automatically as escrow and taxes change. At this point, it is clear that XXXX was engaged in fraudulent mortgage activity. They would mark my payments late and not pull the correct amount from my bank even on automatic payments. They would in turn hold my mortgage payment as not enough and late and report it to the credit bureau. An investigation needs to be done. I had to pay late payments for their fraudulent activity, and they incorrectly reported me to a credit bureau for their fraudulent activity. Im not sure what kind of benefits a mortgage lender has from this fraudulent activity, but I cant be the only person who was scammed by XXXX. This has cost me hundreds in late fees that were not accurate, along with false reports to the credit reporting agency on my reports that they refused to remove. Please do a full investigation because there are likely more victims in this XXXX scam and millions of consumer dollars stolen by this lender.
Product: Debt collection

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to XXXX XXXX or below within XXXX calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under C + open end consumer credit plan as late for any purpose. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my full credit report and saw many alarming error reported still after i sent certified letters to the credit bureaus to let them know some inquiries are showing that i DID not authorized not recognized, i do not have any accounts with these companies what so ever! 

I patiently waited 30 days after sending my letters and its still showing and i didn't received any response from them either. very frustrating i work hard to have a good credit. 

Here are the inquiries that are on my report and need to be removed. 

Transunion reports : XXXX XXXX ( Bank ) - XX/XX/XXXX XXXX & XXXX XXXXXXXX XXXX XXXX XXXX ( Hotel and travel ) - XX/XX/XXXXXXXX XXXX
Product: Debt collection

I owned {$12000.00} to XXXX Account # XXXX. Midland Credit Management Inc. acquired this account.Their # XXXX and advertised a payoff of {$3600.00} I paid this amount in full. They issued a statement " This account was satisfied on XX/XX/XXXX and you have no further obligation on this debt ''. This XX/XX/XXXX I received a XXXX for the balance {$8400.00}. I have written documentation on all my words made here.
Product: Debt collection

I have fully paid off this account with XXXX on XX/XX/2022 for the amount of {$340.00} My hood is to now have this fully removed from my credit report because its has been reflecting me in a terrible way. Its been reporting as C/O for charge off for a long time and Im looking for a new start at building my credit. I have a letter from XXXX stating that the account is paid in full
Product: Credit card or prepaid card

I have tried to initiate a dispute investigation XXXX times for a purchase that the seller did not deliver according to our contract. 

Each time, the case is closed saying that the merchant had previously credited me. This is not true. The day I made the original payment, I was sent an invoice for {$2100.00} which I paid. Then they said that was the incorrect amount, so they refunded me and sent me a new invoice for {$2100.00}. I am trying to dispute the {$2100.00} charge. 

I am attaching a screen shot of my statement that shows the {$2100.00} was paid and refunded, but that is not related to the {$2100.00} charge. 

Also I am attaching the letters received each time regarding this matter. 

CLAIM ID : XXXX CLAIM ID : XXXX Thank you - XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX credit report. The credit report showed 24 - credit inquiry by several companies DATED XX/XX/XXXX - XX/XX/XXXX, that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it.