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

Greetings, We have had several Chase Bank Accounts for well over several decades and are very happy with our service. However, the last incident we feel should have been handled better and without a penalty to our family. There were several transactions that were automated that came through our account in the month of XX/XX/XXXX and XX/XX/XXXX. My husband had emergency XXXX after being diagnosed with XXXX XXXX XXXX XXXX XXXX I had power of attorney and I contacted his automatic bill payments Creditors that were going to take the funds from the account. I was told they were not able to speak to me. They needed the actual power of attorney documents mailed into the office and had to be reviewed by the their legal team. They were adamant they needed to speak to him, however that was not possible. During that time, five of these creditors continued to debit the account even though there were no funds to debit the account to this magnitude. No time in our 15 year history has our account ever gone in a negative process to this degree. I spoke with Chase, asking was there something that could be done and I was told no.
So, for one month this account was in the negative. The creditors were able to stop the automatic ach 's because they were able to review the power of attorney which gave me power to handle my husband 's business. My disappointment is that after speaking to a branch manager, I was told that the customer service representative should have told me to step into the branch to close the account and open another account. To add further insult, Chase has reported this information to the XXXX XXXX XXXX. I do not understand, how and why if I reached out to the bank prior to the account going negative letting them know what was to occur, why I was not given an option to close the account and open a new account. Because of the early reporting, I can not pay my utility bills with a check. I feel that I have been penalized several times by Chase. Even through they waived 50 % of the fees, I believe I should not have had any fees in addition to that, I should have not been reported to XXXX My concerns is that is Chase is concerned with making money from fees, and locking me in with them, because we are also unable to open an account with another bank. This is very disheartening and my husband is being penalized again for getting sick and having being diagnosed with XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number XXXX XXXX
Product: Credit card

XXXX XXXX told me had to replace phone, did on XX/XX/XXXX, bought on line from XXXX on Discover card for {$93.00}. Several hours later fixed phone and tried to cancel, XXXX refused and I started dispute with Discover. Contacted XXXX 's agent, XXXX in NY, and they supplied me with a mailer to send back unused phone. Have proof they received on XX/XX/XXXX. Many emails, texts and faxes later XXXX lied to Discover about every thing, sent all documentation to XXXX and Discover to no avail, XXXX said because of Discover dispute they would not refund, Discover has copies of return from XXXXXXXX XXXX agent XXXX and will not refund my {$93.00}. They are complicit in fraud with XXXX I have copies faxes sent to Discover which include USPS label and number and pertinent messages emails from all parties. I guess Discover needs money by any means to pay their horrendous fine. I have been with Discover for many years and my credit rating hovers around XXXX. Discover is also reporting me to all credit agencies, this reeks of intimidation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following fraudulent inquiries on my Equifax report were the results of identity theft. I sent police report, FTC complaint, and 609 letter demanding said fraudulent inquiries be verified or removed pursuant to fdcpa and fcra. Also that I be sent copies of the verification ( XXXX law XXXX ) for my review. Equifax failed or refused to verify any of the fraudulent inquiries or provide me verification as requested but they continue to report this fraudulent and inaccurate information which is adversely affecting me and my attempts to recover from identity theft! Please have Equifax to provide the verification and party who verified the fraudulent inquiries on my report or remove them immediately. 

XXXX. XXXX XXXXXXXX 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 XX/XX/XXXX
Product: Vehicle loan or lease

Had automatic payment set up, which failed on its first attempt. Funds were present and available for withdraw, but I was charged a {$15.00} reversal fee. I called my bank who audited my accounts metal data to see why the payment did not go through. They said the transaction was canceled by the service. I called bridgecrest to ask them why this was and get the fee removed. They blamed the bank entirely and said they wouldn't remove it. Forced to make payment over phone for {$3.00} fee for direct card transaction. Next month I made a manual payment, same issue. I called bridgecret again they again blame the bank, I am again given another {$15.00} fee and a {$3.00} fee for direct card transaction. This month i try to make a payment on the due date, as I was told if I pay early it will be considered an extra payment and I'd still owe the payment on the due date, and they have no one to take my card over the phone being Sunday. I tried using online bill pay as the only other available option for bridgerest and my bank can not find the account in bridgecrests files to pay them. They are making it impossible to pay, this is predatory for someone just trying to scrape by in this economy
Product: Credit reporting or other personal consumer reports

I am filing this complaint under FCRA 605B ( 15 USC 1681c-2 ) to request that TransUnion block fraudulent information appearing on my credit report. These accounts resulted from identity theft, the XXXX data breach, and fraud and must be removed within four ( 4 ) business days of receiving this request.

The fraudulent accounts and inquiries include : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/year> Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/year> Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/year> Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/year> Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/year> Please remove this inaccurate information from my credit report. 
XXXX. Request for Account Blocking and Deletion Due to Data Breach XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Request for Account Blocking and Deletion Due to Data Breach XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Request for Account Blocking and Deletion Due to Data Breach XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Request for Account Blocking and Deletion Due to Data Breach XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Request for Account Blocking and Deletion Due to Data Breach XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Request for Account Blocking and Deletion Due to Data Breach XXXX XXXX  XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Request for Account Blocking and Deletion Due to Data Breach XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
I DO NOT recognize these accounts, collections, or inquiries. They were not opened, authorized, or initiated by me and are causing inaccurate reporting on my consumer FICO credit report.

I expect TransUnion to comply with the Fair Credit Reporting Act ( FCRA ) and immediately block these fraudulent items from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

All accounts are medical bills that should not be on my credit report. They sold my accounts to a 3rd Party which is illegal and violation of HIPPA.
Product: Credit card or prepaid card

I filed bankruptcy on XXXX and did not include this card in the list of creditors since it is a secured card. I paid the entire balance last week to a XXXX balance thinking I could use it this week for gas and groceries. Unbeknownst to me, Citi closed the card after my payment went through. Citi now has my {$200.00} security deposit and my card is at a XXXX balance with funds that already posted to my checking account and has been taken from my balance. Im left with no money for this week and no warning. If I had known this would happen, I would have waited to make that payment since it was not due yet or I would have paid less so I would have money to live on this week. This is not fair. With a secured card such as this, they should not be able to close the account like that as its basically like you have a savings account because its guaranteed funds. I would never have imagined this would happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is in response to your response to CFPB with closed complaints with Authorization needed, I have attached my State ID and Utility Bill to certify that is in fact me submitting the disputes and you guys closing it and did not precede with your investigation as per my request you to reinvestigate. I am writing you to let you know that my credit report contains inaccurate and incorrect accounts that are ruining my credit rating.
Product: Student loan

I have ben making payments to University Accounting Service. They did not apply any payments mailed to the address on the billing statement, reported my account as past due & sent the full amount to collections. Attached is the proof of {$970.00} worth of payments sent using the bill pay feature of my bank account. They sent {$1100.00} to collections, when I just sent a payment in XX/XX/XXXX ( we are in XXXX of XXXX ) & based on the mailed in payments, I only owe XXXX. 

I called University Accounting Service to confirm the payment address ( it is correct & my account number was in each memo ). I asked what happened to the checks that were not applied to my account & they could not provide an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX, XXXX XXXX, and Experian is governed by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX written permission to furnish these accounts. 

Accounts are listed below XXXX XXXXXXXX acct # XXXX XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX acc # XXXX XXXXXXXX XXXX acc # XXXX
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 SEND DISPUTE I informed the three credit bureaus XXXX Equifax XXXX XXXX about a dispute on an account that is not mine I need it removed from personal credit, XXXX XX/XX/year> were sent to the certified letter to which they have not removed me from my credit. 

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 NOT MINE MY PERSONAL INFORMATION IS NOT CORRECT MY MAILING ADDRESS IS NOT CORRECT EITHER.
Product: Checking or savings account

Theres an article online by XXXX about a XXXX XXXX dollar settlement with Wells Fargo. I was a Wells Fargo customer from XXXX and only had a checking and savings account with them. When my funds were low and still in positive amount, Wells Fargo would put charges on hold until I actually did over draft and put the highest amount first to over draft me. Instead of paying XXXX fee of {$35.00}, I would pay multiple fees due to the way they arranged them. I know there was a settlement where they got sued for over XXXX XXXX and I never received anything from them. I called Wells Fargo XXXX and I asked them how can I get paid based on the XXXX article and they said they have no idea. Per XXXX it said to contact CFPB to see if I qualify.
Product: Debt collection

Went month to month on rent for an apartment in XXXX of XXXX  while my house was being built. Was told everything was good turned in my keys and everything was said to be good. Then mars incorporated sold the debt and they wont work with me or do anything besides tack on more and more interest.
Product: Credit card

I was a victim of identity theft in XX/XX/year> and a XXXX XXXX XXXXXXXX XXXX XXXX XXXX card was opened on XX/XX/XXXX under my name along with other credit cards with different banks. I filed a police report as well as an FTC report. I called all the other banks and they closed the other fraudulent accounts for me. XXXXXXXX XXXX however did not. They did an investigation then came back and said my name, address, and email matched the account ... which obviously if someone stole my identity they have that information. The man I spoke to named XXXX in the fraud department XXXX XXXX  on XX/XX/year> would not give me any information on how or what they investigate, his last name, would not let me speak to anyone else, or help with anything at all. I asked if I could send my police report and FTC report to help as much as I could with the investigation and he told me no. I asked to speak to a supervisor and he told me no and then hung up on me. The card continues to rack up charges because they did not close the account and still wont.
Product: Checking or savings account

I noticed Fraud on my account about a week ago. I called the Fraud department at the bank and was told that a claim was being filed and that they would place the temporary funds in my account within 1 business day. That did not happen, I called the back 4 days later for them to tell me that the rep I spoke to did not file a claim but instead put a stop payment on the fraudulent charges. No, because that rep did not do what she was supposed to do I have multiple bills that have been declined and I have been charged late fees because I do not have access to my account or funds. And all they can say is they are sorry.
Product: Checking or savings account

XX/XX/XXXX 2024 my wallet and phone were stolen out of my car while I was in the water at XXXX XXXX, in XXXX XXXX. I called the police and filed a report with the XXXX XXXX XXXX. In the afternoon, from my wife 's phone I was able to call USAA Federal Savings bank to inform them my credit and debit cards were stolen. Many transactions were made, all after the time my car was broken into. XX/XX/XXXX USAA informed me that a charge for XXXX made at an XXXX store in XXXX XXXX on my debit card is being determined as not fraudulent and the provisional credit made to my account will be reversed. I have called to ask how they determined it not fraud, and asked if the dispute team saw the police report I sent them. I was told I can not speak to the dispute team, and the representative I spoke to does not know if they looked at the police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Victim of Identity Theft and on XX/XX/XXXX, I mailed out the first dispute letter via certified mail to Equifax with documents showing proof of Identity Theft. I attached a letter with the details of all the accounts that does not belong to me, that I did not authorized to be opened. I also attached my driver 's license, SSN, proof of address, Identity Theft Report, and the Fair Credit Reporting Act Section 605B letter. I have sent them all the required documents 3 times, and none of the Fraud Accounts has been removed! Now it is way over about 4 months they haven't resolved this matter, they clearly are not complying with the Fair Credit Reporting Act 605B. I need your help in contacting Equifax to respond to this matter immediately, as I have provided all required documents of proof to pursue this matter, or I will take action with the lawyer for monetary damages!
Product: Vehicle loan or lease

I have gotten a few weeks behind on my payment. Because of Covid. I have never been 30 days late or later. I receive many calls everyday. I am not allowed to sleep or eat in peace. Plus I am being charged unfair penalties while being harassed daily. I have begging the company to stop harassing me to no avail. I have paid a service to block calls and am considering changing my number.
Product: Debt collection

I had service provided by XXXX XXXX XXXX, they overcharged me for 2 phones. I tried to settle this with XXXX XXXX XXXX with no resolution met. I refuse to let the phone company rip me off. Now there is a collection agency trying to collect it as well as reporting it on my credit report. I will not be paying them. XXXX XXXX XXXX is ridiculous and should be shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following addresses. It does not belong to me. I never lived in these addresses and I was contacted by a collection agency regarding the accounts that are associated with these incorrect addresses. I have no knowledge of obtaining any of the inquiries listed here. 
XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXXXXXX - BALANCE {$1000.00} XXXX XXXX XXXX XXXX XXXX BALANCE {$1400.00} XXXX XXXX XXXX XXXX XXXXXXXX - BALANCE {$16000.00} XXXX XXXX XXXXXXXX XXXX XXXX - BALANCE {$1900.00} XXXX XXXX XXXX # XXXX - BALANCE {$1900.00} XXXX XXXXXXXX XXXX XXXXXXXX - BALANCE {$490.00} XXXX # XXXX - BALANCE {$9400.00} XXXX XXXX XXXXXXXX XXXX XXXX  - BALANCE {$7100.00} Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is not XXXX they keep using this name as my name is just XXXX I am very unpleased with this Ian very up set its plain I gave my state Id so it could be updated dated and they send a letter with the same name
Product: Credit reporting or other personal consumer reports

I was out of work from XX/XX/XXXX XXXX. I purchase XXXX XXXX from XXXX XXXX. I filed the claim from XXXX, XXXX. The claim was not paid to my account until XXXX, XXXX. XXXX XXXX through XXXX XXXX was supposed to make payments to the XXXX XXXX account XXXX XXXXXXXX as long as I was out of work. 

No negative credit reports were to be filed. But late payments were reported in XXXX, XXXX, XXXX, XXXX and XXXX, XXXX.
Product: Student loan

I have student loan debt through Navient, my loan was XXXX two years ago now its up to XXXX, every time I called they would offer deferment and no other option, they didnt tell me what it entailed and now Im in a lot of debt, I need some advice on how to rectify this matter, thank you so much for your help with this issue. 

XXXX XXXX
Product: Mortgage

After working unsuccessfully with my mortgage company, GMFS, to resolve an unexpected increase on my monthly bill, I filed a complaint with the CFPB. The response from the Chief Compliance Officer at GMFS was inaccurate. When I called SXXXX XXXX XXXX, the GMFS partner servicing my loan, to try and resolve the issue that way, I was provided with more completely inaccurate information.

1 ) In the attached response from GMFS Chief Compliance Officer, a monthly increase of {$270.00} is noted. The actual monthly increase is {$470.00}. The previous monthly billing statements were for {$1200.00}. The attached billing statement provided to me via CFPB complaint response is for {$1700.00}.

Further, when I called XXXX XXXX XXXX to inquire, today they told me over the phone that my XX/XX/XXXX statement is for {$1200.00}.

2 ) My local property taxes have increased by {$1000.00} annually. Even with a XX/XX/XXXX escrow shortfall of {$600.00} and XX/XX/XXXX escrow projections to account for the {$1000.00} increase, that should not equal {$470.00} per month for 12 months.

3 ) The attached CFPB complaint response letter shows an increase in my mortgage insurance. I have repeatedly requested -- in writing and via telephone -- for documentation from GMFS and XXXX XXXX XXXX  showing why mortgage insurance is required. This loan closed previous toXX/XX/XXXX I have greater than 22 % equity in my home, and all payments have been made on time. I do not believe GMFS should be charging me mortgage insurance at all, and would definitely want documentation to substantiate an increase.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company continues to report multiple negative late payments on my mortgage account even though they were paid on time and after several dispute reminders they fails to update the information under fair credit reporting act which is causing me great harm I'm refinancing my mortgage and low credit scores. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nj XXXX DOB XX/XX/XXXX SS # XXXX my loan # is XXXX XXXX late reporting XX/XX/XXXX & XX/XX/XXXX 60 days late XX/XX/XXXX & XX/XX/XXXX90 days late XX/XX/XXXX 30 days late transunion XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX120 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 120 days XX/XX/XXXX, & XX/XX/XXXX 90 days late XX/XX/XXXX 30 days late XXXX  XX/XX/XXXX 120 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX& XX/XX/XXXX120 & 60 days late XX/XX/XXXX, XX/XX/XXXX 90 days late XX/XX/XXXX 30 days late