23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Tran Date Posted Date Description Clr Check # Withdrawals Deposits Balance Hide Pending Add Transaction XXXX {$26000.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX  XXXX XXXX - XXXX  {$2400.00} pymt was only to b XXXX i did not auth the above pymt, thier web site a problem also staying on the phone with them, they tk an unauth pymt, and also XXXX XXXX late chg which needs to be XXXX, the ltr i got XXXX XXXX owe nothing on late chgs was on it, also put in XXXX  XXXX XXXX XXXX it its their problem, they dont or add other veh to XXXX XXXX XXXX wont add the other vechile where it has add other veh
Product: Debt collection

The law offices of Alan R. Mege Attorney ID # XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX has purchased my debt from XXXX XXXX XXXX XXXX the debt originated with XXXX XXXX XXXX XXXX. The law offices of Alan R. Mege are now trying to sue me in small claims court for the amount owed on the debt however under the original consumer leasing agreement which he is using as exhibit A in his case it clearly states this is not permitted in the binding arbitration agreement and reads as follows " You and we agree that any claim or dispute arising from or in any way related to the agreement must be resolved by binding arbitration in the state where you live instead of a lawsuit ''. I was never even offered the arbitration as an option nor received any communications from the law firm to set up any such arbitration. Secondly Alan R. Mege is in violation of the fair debt collection practices act which states that the debt collector can not collect any amount of money that is not authorized by the agreement creating the debt or permitted by law. Because there is no agreement between myself ( alleged debtor ) and the collector ( The Law offices of Alan R. Mege ) no collection can be sustained. His complaint is for the amount of {$1100.00} plus a {$750.00} legal fee the original debt dates back to XX/XX/XXXX. I am hoping you can assist me with this issue as the law firm is the 5th owner of this debt and as mentioned above not entitled to collect these monies thank you in advance for your help and feel free to contact me for further information if needed.
Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/22 I opened Chase savings and checking accounts. The terms stated that if I opened savings and checking accounts {$300.00} would be deposited in each after meeting certain conditions. I met the conditions for the checking account and {$300.00} was deposited into it. I would have met the conditions for the savings account too but Chase made the deposit to savings difficult every step of the way. 
The conditions for the {$300.00} savings credit were that I had to deposit {$15000.00} within 30 days of the account opening. I had some money coming from my relatives estate and planned to deposit that in the account. However, it took some time for the funds to be available so I was not able to deposit them until a few days before the 30 day deadline. I prepared ahead of time by adding an external account to my profile on the Chase website. This was the account the funds would be transferred from electronically. The account is a checking account with XXXX and I went through the steps of verifying it with Chase. The Chase website confirmed it was verified and I would be able to transfer funds.

When the funds were available, I set up the transfer online. Im sorry I dont have the exact date but it was within the 30 day window. I then received a notification that the funds could not be transferred because additional verification was needed. There had been no indication that additional verification would be needed prior to this. By the time I was notified that additional verification was needed, the steps to provide that verification would take too long and go past the 30 day deadline. 
I then decided to write myself a check from my XXXX account and deposit it through the Chase mobile app. I went to deposit it but found that it exceeded the limit that I could deposit in one check. At this point, there was not enough time to deposit multiple checks of smaller amounts over a number of days. 
My next option was the ATM. I was working but my husband was available, so he went to the ATM for me. However, my husband is not familiar with Chase ATMs and accidentally deposited the {$15000.00} check into my Chase checking account instead of the savings. 
I tried to transfer the funds on the Chase website but was unable to because there was a hold on the funds. 
At this point, I reached out to Chase customer service and explained the situation. I was told there was nothing I could do.

I contacted them again and they basically cut and paste the terms into their answer and didnt engage with me at all.

Im not sure how many times I contacted them but there was never any attempt to provide good customer service and interact with me in a meaningful way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications XXXXay be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Checking or savings account

The USAA Federal Savings Bank is Violation of the Termination of Bank Accounts that the Claimant ( XXXX XXXX XXXX ) Immediately Requires The FBI and a Federal Prosecutor to Appoint a Criminal Investigation a Dispute in Stolen Final Payment of {$350.00} US Payment with XXXX XXXXXXXX XXXX Fraud Department involving Illegal Stop Payment and Third Party Conspiracy FBI Criminal XXXX XXXX that is In Obstruction of Justice This Fraud and Illegal Stolen Securities MUST involve a Criminal Investigate Report sent by Certified Mail within 3 Business Days as Required by Federal Law to : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX The Federal Trade Commission must investigate Fraud with USAA Federal Savings Bank Fraud Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraud Agent XXXX XXXX XXXX XXXX XXXX XXXXXXXX Investigate with Impunity! 
( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to be a part of the law suite for Equifax Credit security breach for mishandling and improper storage and safe guards on my personal information. I need to get information on this process. Lastly, an open fund up to 1 million dollars to cover any lost money or corruption, loans or other financial procedures open in my name by anyone other than myself as of today XXXX-17.
Product: Credit card or prepaid card

On XX/XX/XXXX, the initial settlement agreement with Kohls was made for XXXX. The initial agreement was for 3 payments for XXXX, XXXX, and XXXX ( XXXX cents more for whatever reason ). Due on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX respectively. I later received a letter before the first payment was due, dated XX/XX/XXXX. The letter states the same three payments due on XX/XX/XXXX, XX/XX/XXXX, and NA. 
On XX/XX/XXXX, I called and made the payment totaling XXXX from two accounts. On XX/XX/XXXX, an automatic withdrawal of XXXX was taken out of the account. I was expecting XXXX to come out as my second payment. So I called on XX/XX/XXXX to get more information. Supervisor XXXX states the agreement was broken as of XX/XX/XXXX. Kohls is not honoring the written agreement. The representative and the supervisor would not even acknowledge the letter or give me the opportunity to make the last payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I received a response to my dispute concerning my XXXX XXXX equity loan. I questioned whether it was reported as a revolving loan, or as a mortgage loan, since I elected to close it as a equity loan. I signed papers to that effect, upon my decision not to continue the loan in its previous status. Equifax responded with a rehash of old data, identifying it still as a equity loan. during the same period of dispute, my credit score dropped over XXXX points. I contacted Equifax and no one can explain the why the discrepancy, or drastic drop in credit scores. My XXXX XXXX XXXX, Equifax published score was XXXX, Recent score on Equifax 's website for the same period was XXXX.
Product: Student loan

I have attempted to acquire my payment history for private school loans I received between XXXX and XXXX from an entity listed on my credit report as SLM XXXX XXXX XXXX XXXX TR. I made payments on the loans between XXXX and XXXX. At some point, the account was transferred from Sallie Mae to Navient. I have requested my account information from both entities for this time period and they each keep directing me to the other organization. Sallie Mae states that they no longer have record of any account information after it was sold to Navient. Navient states that they have no account information before they purchased the account. Navient has since sent information to the IRS information stating that they have forgiven part of my debt without regard for the substantial amount of repayments I have made because they claim to have no records.
Product: Debt collection

Wakefield is demanding money for a medical service, an XXXX, that was prescribed by my covered in-network physician approved and paid by my insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and show inaccurate information listed. XXXX XXXX account number : XXXX is show as a charged off account but this is an open balance of {$4700.00}. Also, the last payment date show listed is XX/XX/XXXX, but as of XX/XX/XXXX my payment history listed is showing an on time payment. How is this possible on a closed account. Per the FCDPA this account is in direct violation of the law.
Product: Checking or savings account

Money was taking I reached out I couldnt talk to a live agent from cash app
Product: Checking or savings account

I closed a safe deposit box with Wells Fargo in XX/XX/XXXX. When I closed my checking account with Wells Fargo they took a safe deposit box fee from my account ( {$30.00} ) when I no longer had the box and no fees were due. I have tri d calling and filling complaints withe their corporate office but no one has responded to my complaint. I have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Total phone time with their representatives is about 3 hours and I still get no resolution or phone call back.
Product: Checking or savings account

in 2018 bank of america closed my account because i had deposited a check i had gotten that apparently was fake and i did not know it. I didn't remove the funds from my bank so they were not out anymoney at all and they closed my account and said i can never open an account again. I have tried to open a new account to no avail
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230.00}, XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00}XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$920.00}, 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: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. The accounXXXX XXXX is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute incorrect information that appears on my credit report, this entry is erroneous, and I need it corrected immediately. Ive reviewed my credit report thoroughly and can confirm that the information listed is either inaccurate or does not belong to me.
Product: Debt collection

On XX/XX/2023 I had submitted a complaint with the XXXX true bureau, the cfpb stating that this agency is attempting to collect on a debt that I do not owe with the account # : XXXX. In that complaint, I stated that I want this agency to cease all communications as described in the fair debt collection practices act unless it was for the purpose of responding to a cfpb complaint. Additionally I had mentioned that they have violated my consumer rights and wanted to be compensated for it. On XX/XX/2023 the company responded in which they of course denied that they have broken any consumer laws and that they would " honor '' my cease communications request. I have just caught this agency violating my consumer rights once again and it is here on the cfpb and I demand compensation. The FDCPA describes communication as " conveying of information regarding a debt directly or indirectly to any person through any medium ''. Credit reporting is an indirect medium of which this company is using to communicate a debt as they furnished this information on the month afterwards and this month. This not only violates the fair debt collection practices act but it also violates the fair credit reporting act and my right to privacy as a consumer. I am humbly asking the cfpb to handle this situation or else I will be forced to litigate as I take my right to privacy and federal law very seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM NEITHER XXXX OR TRANSUNION, ALTHOUGH XXXXX HAS BEEN ABLE TO REMOVE IT COMPLETELY. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Product: Credit reporting or other personal consumer reports

Inaccurate personal information recorded on my credit report.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Company XXXX XXXX entered a agreement with mediating of judge both agreed and I payed in XX/XX/XXXX in XX/XX/XXXX I check my credit and same company is trying to collect on same debt I called and XXXX is claiming that this new dept. from XXXX and reported in XXXX False False
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here are the list of items that do not belong to me or were opened without my permission. 

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 Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Debt collection

Received a notice from MIDLAND CREDIT MANAGEMENT about an alleged Debt that I have no knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used Equifax 's product TrustID at XXXX XXXX XXXX to determine if I was affected by the data breach at Equifax. After entering in my information I was initially told that I " may have been impacted by this incident ''. However I then tried a credit check on several completely fabricated individuals ( with fake last names like " XXXX '' and " XXXX '' XXXX and still received the same message that these fake people " may have been impacted by this incident ''. This is flagrant misconduct and improper reporting by Equifax.
Product: Credit card or prepaid card

Secure Message Center Back to Inbox Reply From : YouSent : Saturday, XXXX XXXX, 2017 XXXX XXXX ( ET ) To : Comenity BankSubject : Re : StatementsMessage ID:XXXX I did n't apply for bankrupt!!! You lied!!!! From : Comenity BankSent : Saturday, XXXX XXXX, 2017 XXXX XXXX ( ET ) To : YouSubject : Re : StatementsMessage ID:XXXX Thank you for your recent inquiry to our Customer Care Department .
Comenity Bank issues your account and responds to all credit related inquiries.
We regret to inform you that the previous correspondence sent to you was incorrect.
We apologize for any inconvenience you 've experienced with your account.
It 's our goal to provide superior customer service, and we 'll use your feedback to improve our customer care interactions. Please be informed that your XXXX account was suspended on XX/XX/2017 when your petition for bankruptcy was received. We have received your inquiry in regard to your XXXX account. We have notated the account in regard to your inquiry. However, it is recommended that you contact your attorney and have a letter sent to the address below stating that the XXXX account has been excluded from the bankruptcy. We are unable to remove the restriction without the letter. Comenity Bank XXXX. XXXX XXXX XXXX, OH XXXX - XXXX We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. Sincerely, XXXX XXXX Internet Customer Care Team Previous Reply Follows : -- -- -- -- -- -- -- -- -- -- -- - Thank you for your recent inquiry to our Customer Care Department. Comenity Bank issues your account and responds to all credit related inquiries. I apologize for any inconvenience you 've experienced with your account. It 's our goal to provide superior customer service, and we 'll use your feedback to improve our customer care interactions. For better assistance we request you to mail your inquiry to the address listed below : Comenity Bank XXXX. XXXX XXXX XXXX, OH XXXX XXXX We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. Sincerely, XXXX XXXX Internet Customer Care Team Original From : Comenity BankSent : Saturday, XXXX XXXX, 2017 XXXX XXXX ( ET ) To : YouSubject : Re : StatementsMessage ID:XXXX Thank you for your recent inquiry to our Customer Care Department . Comenity Bank issues your account and responds to all credit related inquiries. I apologize for any inconvenience you 've experienced with your account. It 's our goal to provide superior customer service, and we 'll use your feedback to improve our customer care interactions. For better assistance we request you to mail your inquiry to the address listed below : Comenity Bank XXXX. XXXX XXXX XXXX, OH XXXX XXXX We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. Sincerely, XXXX XXXX Internet Customer Care Team