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

Chase charged overdrafts fees allowed charges on account and refused to allow myself with POA to speak to me on my XXXX XXXX XXXX grandmother 's account. Froze her funds when she was XXXX  and had XXXX. Could not pay her board and care. Took over a year to finally get authorization to speak to them but said I could only close the account and take money out. Made me sign I would not make any claims before they would give me funds. Allowed internet charges when I told them she had told them not to. There was even a note on account. Chase allowed me access to this account until I complained and wanted to be refunded. I also am her executor and only beneficiary. She has passed now and I am still trying to pay depts. I lost my bank account trying to keep her care. Chase was aware I was handling her account and froze her funds after I complained. They said they wanted no association with me due to fraud in the past. I had several accounts with them myself and POD accounts for my aunt as well as stock. They forced me to close account to not refund charges. I went and took paperwork 4 times. They are taking advantage of the elderly knowing she was sick. Chase would give credit than take away the credit. As you can see I tried to resolve these matters on my own. Adore me was the only one to help with some. It still caused many fees. XXXX XXXX said no account in her name. XXXX XXXX XXXX said I had to go thru the bank. Flex shopper I did not contact due to the stress and other personal responsibility gave me no time and Chase would no work with me. I have a chronic illness myself and I had so much to handle. My grandmothers info was found in someone's possession and the DOJ notified her but Chase never cared to even look at the papers. I don't know if her information was used or not. I was charged all this money and they knew I complained. They avoided paying by only giving me one option which was to add me for 1 day than close account also sign I would not files any claims. This is unfair and I am asking for help for what is rightfully due. I sent a lot of paperwork but there is more if needed.
Product: Credit card

The business/lender make it difficult me, their consumer to see and be able to validate the charges made to my account. Only making the last XXXX  months of statements available online, I was charged XXXX interest on purchases which I can not confirm/review because that purchase detail is not readily available. Additionally, when requesting historical data/statements, lender would not provide any reference or case # to my request for me to reference in future should they end up not physically mailing the paper statements over the next XXXX weeks.
Product: Checking or savings account

My mother who has been diagnosed with XXXX XXXX designated me as her power of attorney for financial transactions. After Hurricane Harvey, she received {$11000.00} from FEMA for her flood damaged home. Having had access to her accounts for the last 10 years, on XX/XX/XXXX, I transferred the FEMA funds to my account and then to her bank account at a Credit Union to be saved towards the repairs on her home. I made 5 transfers over the course of 3 days to move the funds. On XX/XX/XXXX, my mother went to the credit union and withdrew the FEMA money in cash. 

On XX/XX/XXXX, someone unbeknown to me, took my mother to the bank and she told the banker that I beat her up and stole her FEMA money. This banker, called the police and Adult Protective Services on me. Wells Fargo then proceeded to put a freeze on my accounts and debited {$11000.00} from my Wells Fargo Account. I was not notified of this action or given an opportunity to present documentation that would support the fact that I had the authority to do so despite numerous attempts to inquire. Even the police department was aware of my mother 's numerous claims that someone was stealing her stuff despite no evidence to support the accusations. 

I was treated like a criminal who was guilty before proven innocent. Wells Fargo made me wait 10 business days before they told me that the claim was found in favor of the claimant and that I would have to open new accounts to regain access to my remaining funds. I proceeded to close my accounts because I do not want to do business with a bank who took my money unfairly, charged me overdraft fees and didn't allow me an opportunity to prove my innocence. 

Essentially they gave my mother twice the money she was due because their researchers only took the claims at face value without truly completing a proper investigation.
Product: Checking or savings account

On XX/XX/XXXX I went in to my bank ( Truist ) to make a deposit with a XXXX XXXX XXXX cashier check ( XXXX ) to make a deposit. The clerk and manager told me there would be a 7 day hold because its considered a check. I spoke to customer service as well as the branch manager and they will not release my funds until XX/XX/XXXX insisting the reason was a cashiers check is treated just like a check. I explained its not a check its considered cash. According to everything Ive read and have been told by other banking institutions that they shouldnt be putting a hold on a cashiers check. They will not release any part of the funds until that date. Ive never had any issues with any other bank depositing cashiers checks. The manager at the location I deposited the cashiers check said it was because there are too many fraudulent cashiers checks. XXXX  XXXX XXXX told me that its cashiers checks have watermarks and theyre not likely to be fraudulent and they could have verified it with XXXX XXXX XXXX . Truist in my opinion should not be treating a cashiers check like a regular check. Thanks
Product: Bank account or service

In XXXX 2015 I advised PNC that I was changing banks and that I wanted accounts and CC processing services closed. In XXXX I received a letter demanding payment for {$210.00} in service charges. I contacted a PNC representative and we agreed to a final payment of {$120.00}. That payment was immediately sent and PNC cashed the check within the week. Today I received another terse letter demanding {$39.00} or the will damage my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( 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: Credit reporting or other personal consumer reports

These companies accessed my credit report without my authorization, and this has negatively impacted both my credit and my credit score. I contacted TransUnion, and their representative assured me these inquiries would be removed, yet they remain on my credit report. As a victim of identity theft, this situation has caused me immense XXXX  and added unnecessary stress to my life, on top of the harm to my credit score.
Product: Debt collection

discover financial repoted to the major credit bureas that i am reponsible for A credit card debt that was open in my name. during the time the card was open i was in the hospital XXXX  XXXX and my home was robbed. I filed A poice report and the debt was deleted. then A year later they placed back on my file. the company removed it from my file twice, then put it back on. i am A victim of identity theft. my whole credit history has been ruined because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied credit and after reviewing my my report I found accounts and inquiries that were not mine causing my credit score to be low. These items have cause a derogatory credit rating on my credit report. I have file a police report and an identity theft report.
Product: Credit reporting or other personal consumer reports

I was impacted by the data breach. these items do not belong to me and have negatively impacted my credit. 

XXXX. Inquiry- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX asked the company and XXXX to investigate and remove the account. No response from either. 

XXXX. Inquiry- XXXX XXXX XXXX : XX/XX/XXXX, XXXX asked the company and XXXX to investigate and remove the account. No response from either. 

XXXX. Inquiry- SALLIE MAE BANK- XXXX XX/XX/XXXX, XXXX asked the company and XXXX to investigate and remove the account with no response from either.
Product: Credit reporting or other personal consumer reports

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay.
Product: Credit reporting or other personal consumer reports

There are several inaccuracies on my credit report due to fraudulent activity. 
I've raised my concerns to all three credit bureaus and the companies as well. These reportings are hindering me from purchasing a home and obtain credit. I've recently refiled a fraud notice with all three credit bureaus. I will note each account and the information down below. 

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 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 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 - charged off this account was paid- and should be removed from my credit report. It appears that it has been removed from Experian correctly, yet XXXX and XXXX have not done so. 
please assist the removal of this account. 

I have submitted copies of police reports that I filed when my belongings were stolen. 
I had to get new checking accounts, and other accounts to prevent further fraud. I ask that this information be communicated to the three credit bureaus and the information be removed from my report ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize XXXX or the Collection Agency to put this collection back on my report. This issue was resolved almost a year ago and this collection company is back trying to hurt my credit for this collection that was never authorized! 

I believe the CFPB was the reason why it came off my report and I have no idea why it is back on! Please reach out to them and have them remove this immediately because this came out of no where! 

The collection in questions is from : XXXX XXXX XXXXXXXX Original creditor : XXXX Acct # : XXXX Please have them remove this once again. I do not want to deal with this issue anymore. The problem has already been resolved. I have no idea why they are harassing me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX  XXXX - XX/XX/2023 15 U.S.C

1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I paid off the balance on my XXXX store card on XXXX/XXXX/XXXX in the amount of {$40.00}. That day, there was a {$1.00} charge to my account labeled minimum charge. There has been a {$1.00} charge to my account every month since then, along with a corresponding late fee between {$1.00} and {$25.00}. No one at the credit card company can explain to me why these fees are showing up on my account. I have called 4 times now and a supervisor tells me they will reverse the charges. As soon as the charges are reversed, another one shows up. Every time, they tell me to wait 48 hours for my account to be cleared. It gets cleared and then charges start showing up again.
Product: Credit reporting or other personal consumer reports

{$2200.00} company took the application and did not return the credits applied due to monopolization or redlining of credit report held by Experian, XXXX and XXXX. 

The High derogatory perceptions are debt notes that they are claiming have not been settle but on the record and can not attest to nature of ownership or implication on the applicants intended use of personal credit created by the Equal Credit Opportunity act Considered billing errors on the account Consumer dismisses application with so called creditor Evaluate history or standing of listed creditor mentioned XXXX XXXX
Product: Payday loan, title loan, or personal loan

Loan was paid of with the Loan insurance do to me becoming XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The company refuses to stop harassing calls and threatening to repossess my car. the loan was paid off according to the XXXX  insurance 2 years ago. I had to submit paperwork from my doctor to the insurance company which i did and was informed that everything was taken care of. I have contacted and let the company know that I have a POA and they refuse to speak with her and continue to call me daily unto 6 times a day and weekends this has affected my health do to the stress and my current XXXX XXXX ; XXXX XXXX XXXX and XXXX condition. I know that there is a fair debt collection act and a right to privacy act that has been violated also i am a senior. some of the violation are the 12 CFR 1006.18 ; 1006.14 1006.10 1006.26 1006.42 1006.6 just to name a few and the telephone act and the right to Privacy Act.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX 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.
Product: Debt collection

It was written off. In first place I had ins with them car was totaled and they were paid, then they tried to get me to pay again. I was sent letter it was written off and it's not being taken off my credit
Product: Credit reporting or other personal consumer reports

Please conduct a proper investigation and REVIEW the attached document from XXXX. I request that the following collections be removed from my credit reports : **Account Number : XXXX - XXXX : {$XXXX} **Account Number : XXXX - XXXX : {$XXXX}
Product: Credit reporting or other personal consumer reports

I do not recognize these inquiries or have any connection with the mentioned creditors.
Product: Payday loan, title loan, or personal loan

Although this account is paid in full ( confirmation via email dated XX/XX/XXXX ), I received a copy of an email dated XX/XX/XXXX from XXXX addressed to XXXX stating that they were to proceed with a debt recovery case against me in the amount of {$1100.00}. Not only is this account paid in full, it exceeds the statute of limitations. I'm tired of these scammers getting away with this and I've had enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USED MY IDENTITY AND OPEN SEVERAL ACCOUNTS WITHOUT MY KNOWLEDGE AND CONSENT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal  Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the fact that I am a victim of identity theft, I contacted the XXXX credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask the Hyundai XXXX XXXX XXXXXXXX ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX  has recently reported that the unauthorized inquiry that is associated with the Hyundai XXXX XXXX XXXXXXXX is still currently reporting on my XXXX credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. ***
Product: Credit reporting, credit repair services, or other personal consumer reports

Sagestream LLC reported my credit score to XXXX XXXX at XXXX. My Credit Score at  XXXX  is XXXX. I feel Sagestream is giving me such a low score because I am XXXX XXXX. I want an investigation into my complaint about this company. I was try to get financing to buy a car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by a TransUnion employee that I need to submit a FTC report along with my statement and I.D . Please see the items that are attached to this complaint. Thank you.
Product: Checking or savings account

I contacted money lion on XX/XX/XXXX about a transaction that was not me. I submitted my written statement. Its been 14days and they told me that they just received my notice XX/XX/21. There XXXX full of XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX DOB : XX/XX/year> Experian : XXXX XXXX XXXX, XXXX XXXX TX XXXX RE : Correction to my personal information Dear Experian, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect address and names off my personal record. Thank you for your assistance. 
Incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to rectify this matter with Optimum Outcomes. I have notified Optimum Outcomes account do not belong to me. This account was opened as a result of identity theft. I have asked them to send me proof of my signature and they have not. I need your assistance in getting this account removed from my credit file. This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as late XXXX XX/XX/20 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 

XXXX XXXX  XXXX
Product: Debt collection

They try to collect an equipment that I don't have, or I don't know what equipment they are talking about.