23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I received an email in XX/XX/XXXX alerting me to potentially fraudulent charges on my card, and was prompted to select " Take Action. '' 5/3 shut off my card, but never contacted me or sent a replacement. A month later, after not receiving a letter, email or call, I called customer service to get a status, and learned they were waiting for me to resolve the matter, and lied about trying to get in touch with me. A very rude customer service agent was not helpful or pleasant and refused to give dates for times they attempted to reach me. I received a replacement card in the mail two weeks later that i never activated. 

I decided to close out my accounts with 5/3 bank, and was met with rude and uncaring workers at my local branch. I requested assurance that my accounts were completely closed and there was no step left, or action needed on my end to finalize the process. I was condescendingly told that " they had done their jobs '' and that I was completely closed out, but that I should check on line if I did n't believe them. Once I got home from closing my accounts in the branch on XX/XX/XXXX, I saw that the replacement credit card and my checking account had been closed, but that the fraudulent card was still open, even though it should have been closed in XX/XX/XXXX. I called my local branch, which condescendingly told me that the account would n't officially close until Tuesday, XX/XX/XXXX, and when I questioned why XXXX was closed and XXXX was n't he did n't have an answer, but told me to check back on XX/XX/XXXX. 
When I looked today, it was the same story, with the fraudulent card still being open with a XXXX balance, but the other accounts being closed. through back and forth via email, customer service told me that all of my accounts were closed, and when I asked about the fraudulent account, I was told that a supervisor would be reaching out by end of day, and still have not heard from anyone, by phone or email, and my account is still open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Bankruptcy report on my credit report. I've reached out to XXXX and said that LEXISNEXIS gave them the report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing and unresolved issue of fraudulent items on my credit report. Despite numerous attempts and providing extensive documentation to have these inaccuracies corrected, these fraudulent items continue to appear on my credit report, severely impacting my financial standing and credibility. I demand immediate action to rectify this matter. I expect a thorough investigation into why these fraudulent items continue to persist on my credit report despite multiple requests for their removal. Additionally, I require a detailed explanation of the steps being taken to resolve this issue and a clear timeline for its resolution. Also, I request compensation for the considerable inconvenience, stress, and potential financial harm caused by the ongoing presence of these fraudulent items on my credit report. They have negatively affected my ability to obtain credit, secure loans, and pursue other financial opportunities crucial for my financial stability. 
The following items should be remove as soon as possible : XXXX CARD XXXX Balance : {$XXXX XXXX XXXX Balance : {$XXXX} XXXX XXXXXXXX Balance : {$XXXX} XXXX XXXX BANK XXXX XXXX XXXX XXXX {$XXXX} XXXX XXXX BANK XXXX XXXX XXXX XXXX {$XXXX} XXXX XXXX BANK XXXX XXXX XXXX XXXX {$XXXX XXXX XXXX BANK XXXX XXXX Balance XXXX {$XXXX} XXXX XXXX BANK XXXX XXXX Balance : {$XXXX} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$XXXX} XXXX XXXXXXXX XXXX : {$XXXX XXXX XXXXXXXX Balance : {$XXXX XXXX XXXX Balance : {$XXXX XXXX XXXXXXXX Balance : {$XXXX XXXX XXXX Balance : {$XXXX XXXX XXXX Balance : {$XXXX XXXX XXXX Balance : {$XXXX XXXX XXXX Balance : {$XXXX XXXX XXXX XXXX Balance : {$XXXX XXXX XXXX XXXX Balance : {$XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$XXXX} XXXX XXXX BANK XXXX XXXX Balance : {$XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$XXXX XXXX XXXX BANK XXXX XXXX Balance XXXX {$XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance : {XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX WI XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX MO XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023, Amazon returned two charges that were not supposed to come out of my account the week prior. Chase is flat out refusing to reverse the overdraft charges that were associated with those charges that were reversed. They also are refusing to reverse the following two overdrafts that would have been prior to me being over the {$50.00} cushion once Amazon reversed the two charges. They have withheld this money for going on three weeks now and are lying about the whole situation. I originally disputed one Amazon charge but then called Amazon and they gave me both charges back so Chase took that original disputed charge back out of my account but returned only one overdraft fee.

There is still one overdraft fee attached to one returned Amazon charge that hasn't been returned to me, and one other overdraft fee attached to another charge that should be returned due to their " cushion '' allowance. They have made it where I can't take any screenshots of what I'm seeing on my app and change what is showing on the notification or letters tabs depending on if I've emailed them about this. 

They also have shut my debit card off where there is no more cushion allowance on my account. They've essentially held these fees for almost three weeks causing my limited income to be even less. I went two weeks without any money due to them keeping a whole deposit to pay for their bogus overdraft charges. Then they cut into a third of my deposit this week and cut my card off where I don't have any cushion which is fine as long as they returned the bogus fees from two weeks ago but they haven't done that. I'm tired of trying to work with them when they're bound and determined to keep fees that I don't owe to them. 

I tried to download my banking statements but they show a XXXX once finished with the download so I've got no way to send them to you to be able to prove what is going on. I've tried to download them for almost a week now. 

Chase is also holding direct deposits for over two days instead of putting them into accounts the day they receive them. I may see the deposit on my end in the app but it's really not going into the account for at least two days after it's seen on the app. This makes debits total more than deposits in the account. I think this triggers overdraft fees but maybe I'm wrong.
Product: Bank account or service

I have a small business account with TD Bank. I was charged an overdraft fee of {$70.00} on XXXX/XXXX/2017 for checks posted on XXXX/XXXX/2017. I had enough funds in the account to cover the checks that were posted on XXXX/XXXX/2017, but was charged XXXX overdraft fees. I called the XXXX banking department this evening to get the fees refunded to my account but was told it can not be done without an explanation.
Product: Credit reporting or other personal consumer reports

Upon reviewing my most recent consumer report, I noticed bankruptcies listed that should not be there. After studying relevant laws, I discovered that this violates 15 U.S. Code 1681 ( a ) ( 4 ), which protects consumers ' right to privacy. These bankruptcy claims are inaccurate and should not appear on my credit report. By including this information, you have released my personal data without my consent, which is a serious violation of my rights. This is completely unacceptable, and as a victim of identity theft, I am making it clear that you are both criminally and civilly liable for this misconduct.
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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX  Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 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 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHILD SUPPORT ENF AG/N XXXX XXXX has violated my rights. Or a list of inquiries : 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: Debt collection

I am in the process of paying off my 15-year mortgage ; i.e., making the final payoff. There have been complications, and I asked for a full accounting, in writing, of what is due, They agreed and also said the payoff date would be XX/XX/XXXX, which would give me time to review the paperwork. This was on XX/XX/XXXX. But then they kept calling me after that as if the arrangements had not been made. They called twice on XX/XX/XXXX, once on XX/XX/XXXX, and twice today, XX/XX/XXXX. I told them I considered it harassment and that I was awaiting a very important medical call.
Product: Mortgage

Our home is in a flood zone so flood insurance is required. We changed policies and sent the new XXXX to XXXX which is Seterus 's insurance agency. They have repeatedly sent more letters, yet we have sent a hard copy via the USPS, and have FAXed the XXXX page twice. Once on XX/XX/XXXX, and again on XX/XX/XXXX. We phoned their calling center, ( the only contact number they give ) and they have no clue why they are unable to record this info.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX, and TransUnion are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable following items below : XXXX XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX : {$23000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$24000.00} XXXX XXXX XXXX  XXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 

global lending services date opened XX/XX/XXXX {$16000.00} XXXX XXXX XXXX XXXX {$0.00} date opened XX/XX/XXXXXXXX XXXX XXXX  {$62.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I called in today regarding fraudulent recurring charges on my account. I'd previously raised a dispute over the charges online, and those charges were reversed. However, Chase did not block those charges from being made to my account again in the future as I had originally requested. I called in to dispute the new charges and to close the account. After a wait time of over 3 hours, I was told that they aren't able to close the account because the charges are being disputed - we'll need to wait until after the charges are reversed, and then I would need to call in again to close the account.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Ive already included this report in a previous letters & am included it again.

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you.

This is your final warning. Please remove the following items listed on my fraud report & listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX
Product: Credit reporting or other personal consumer reports

I received alerts on my credit monitoring system and notice a plethora of inquires that I do not recognize and have not given my consent toward. This is a violation of 15 USC 1681 B : permissible purpose of consumer reports and must be deleted immediately : XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX Equifax, XXXX XXXX XX/XX/XXXX Equifax, XXXX XX/XX/XXXX Equifax, XXXX XX/XX/XXXX Equifax
Product: Credit reporting or other personal consumer reports

I opened an account with Sezzle however I kept getting an error message concerning my information saying that my identity could not be verified so I was never able to charge anything to the account.Im not sure where or why I have a {$30.00} charge
Product: Debt collection

We have an important message from Associated Credit Services. This is a call from a debt collector, please call XXXX XXXX XXXX claim To be supervisor didnt give me his supervisors name as XXXX I do not know
Product: Credit reporting, credit repair services, or other personal consumer reports

I was attempting to lift a security freeze so that I could apply for an apartment rental. I utilized the online option to attempt to lift the freeze. Online it appeared successful, however, I was still denied approval on the basis of having " no credit history. '' However, I could clearly see based on the online portal that my credit history was there ( 13 years worth of information ). I called Equifax to assist with the issue and was told that I needed to submit the request in writing. When I asked for more information or why that was the case and why I couldn't receive assistance over the phone, they placed me on an indefinite hold. I requested assistance from a supervisor and was told they were " looking for someone. '' I now am unable to rent an apartment because the security freeze on my credit report is still showing up and I've received no assistance from Equifax on resolution of this matter. The date of the request to lift the security freeze was XX/XX/21. The phone call with the company took place on XX/XX/21.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I did not authorize these accounts. On XX/XX/year> I sent my FTC Report to XXXX, TransUnion, XXXX. I am following to process of reporting identity theft. I will be making a police report. Also I am willing to file a civil suit for reporting inaccurate information on my consumer report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute information that appears in my credit report. Specifically, I am disputing a charge entry for the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with Carvana about several inquiries that have shown up on my credit report and they have failed to contact me back with this issue. Its been an ongoing issue for about several months. I had one manager tell me the inquiries will be deleted but still nothing. 

Inquiry - XX/XX/2018 - Carvana Inquiry - XX/XX/18 - Carvana Carvana has never been given permission to run my credit. I purchased a vehicle from them but not during these dates. Vehicle purchase was the beginning of 2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

Automatic Data Processing ( ADP , LLC ), XXXX, XXXX and XXXX has violated my consumer rights In Accordance With U.S.C 15 1681. Also ; The Gramm Leach Bliley Act. There is a need to insure that consumer reporting agencies such ADP , LLC and other CRA 's adopt reasonable procedures for meeting the needs of consumers for consumer credit, personnel insurance and other information in a manner which is " Fair and Equitable '' to the consumer with regard to the confidentiality, accuracy relevancy and proper utilization of such information rather than use my information as a potential investment. Instead, ADP , LLC has been compiling files of information about me and also stating that my report has been verified. Please provide documentation of this verification that you have first hand information gleaned from my friends, family and known associates as required by law. Transactions are being sold to third parties without my explicit written or oral consent knowing that such information is supposed to represent me. This is Identity Theft by creating a profile of who I am, my credit worthiness and credit reputation. 
REF : XXXX. ADP , LLC and the CRA 's have a grave responsibility to respect my privacy, as I have the Right to not have my private property information to be reported with any financial institution, any bank or company. The Consumer reporting agencies are not appointed by congress. Therefore, their company policies do not super cede the law or my Rights. ADP , LLC and the CRA 's are in violation of my Non public private information because they have an obligation to respect the privacy of it's customers and to protect the security and confidentiality of the consumers non public private information. I did not specifically provide explicit written or verbal permission for this company to gain and have access to my non public private information with a non affiliated third parties. Furthermore, ADP , LLC or XXXX, XXXX or XXXX did not provide clearly and conspicuously ; disclosure to myself the consumer in writing or electronic form by the regulations prescribed under section USC 15 6804 or 15 USC 1681 ( k ) that I had a non disclosure option to opt out of any negative items on my report.