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

My account was frozen and I couldnt access my portal nor my money I was restricted from using my account in general I went to chase bank and informed them about my account being restricted the banker then informed me that On XX/XX/year> which was the same day my account got restricted the banker then informed me that someone went into a chase branch in XXXX  with a fake ID with my information on it and the person asked to get my account number when the bank teller asked the person personal questions thats when the person ran out the bank and left the fake ID behind so when I was told that I almost fainted and I was scared overall I started crying cause it felt like chase bank wasnt trying to help and they kept asking me questions where was I at recently and if I ever went out of town I informed the bank teller that I just got back from XXXX XXXX  and I mentioned to check my bank statements if she thought I was lying once she checked she told me to come back at XXXX so I could speak to the manager and I could get more information regarding my account so I did that I came back at XXXX and then the XXXX told me that someone was trying to get in my account and they used a fake ID and wasnt successful to access my account. I told the bank that I wanted to make a police report and they told me NO that there was no need to make one cause they werent successful in touching my money so therefore they only thing chase could do is give me money from my account enough while the investigation is going on and they changed my account and routing number and changed my XXXX  banking to private client and it took me calling chase bank XXXX and no one seem to help fast forward to XX/XX/year> this time they actually were successful in getting my money and this is after the fact they had already hacked me the first time they took XXXX out my bank once I received an overnight shipping from XXXX it was an empty box inside of another empty box inside that box there was empty envelope with the same name that hacked me on XX/XX/year> XXXX XXXX  was the name and then I found out it was someone from chase bank and thats all they told me they were so rude to me they made me cry and till this day am scared and Ive been going to therapy I was never treated so badly by any place let alone any bank so am sure they have all the calls recordings so am sure they can pull out all my record I never want to ever deal with any bank I dont trust them and Im going through a lot because of that I just want to make sure those people get in trouble for their negligence regarding my account I had to move outta XXXX back to XXXX  where I couldnt be at my parents so I moved outta XXXX and I moved in to the XXXX in XXXX XXXX and it was extremely expensive and I have all the paperwork regarding my bank account which is closed now and I owe them I want to sure chase bank for negotiations on their part. 


Feel free to call me anytime thank you XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit file and there are many mistakes in my report. XXXX XXXX XXXX - XXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified account XXXX XXXX - XXXX : I have never paid late
Product: Checking or savings account

Ive filed a complaint with Capital One for my checking account on an on going depute with The XXXX XXXX for a transaction that happened on XX/XX/2023 for XXXX. I reached out to The XXXX XXXX several times before filing a complaint and dispute with Capital XXXX bank after I paid XXXX To have flooring delivered to my house my The XXXX XXXX because I am handicapped and cant do it my self. Ive provided capital one 360 all kinds of information a ver detailed stand even my handicap information etc. and they are still rolling in favor because the back office of Capital one states that I used my pin for the transaction. Well yes I did use my pin for it because I had to by the product first then have it delivered to my house XXXX XXXX XXXX and that never happened and now I feel The XXXX XXXX along with Capital one is discriminating against me because of my disabilitys and XXXX getting ripped off my Capital one for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY COMPLAINT IS WITH TRANSUNION CREDIT REPORTING BECAUSE ON XX/XX/2022 I DID A DISPUTE TO TRANSUNION CREDIT REPORTING ABOUT A ITEM THEY ARE REPORTING INCORRECTLY THAT IS SHOWING OPEN BUT THE ACCOUNT IS CLOSED NOW TODAY ON XX/XX/2022 I GET A RESPONCE FROM THEM SAYING " Disputed information was verified as accurate TransUnion investigated your dispute but the information was verified as accurate. Other information was also updated. '' SO I GET ON MY OTHER CREDIT REPORTS XXXX AND XXXX THAT I HAVE INCLUDED PICS FOR PROOF TO SHOW THE ACCOUNT IS CLOSED NOT OPEN AND ON BOTH REPORTS IT SHOWS THAT XXXX XXXX ACCOUNT IS CLOSED BUT ON TRANSUNION IT SHOWS THAT IS IT STILL OPEN SO ON TODAY XX/XX/2022 I CALLED TRANSUNION TO FIX THIS ISSUE I WAS THEN TOLD THEY WILL DO ANOTHER DISPUTE I DON'T WANT TO KEEP DOING DISPUTES I WANT THE ISSUE FIXED AND UPDATED
Product: Credit reporting or other personal consumer reports

I discovered inaccurate accounts on my credit report today, and Im unsure how they ended up there. I usually review my credit report without any issues, but this time, I noticed some discrepancies. I tried refreshing my browser in case it was a temporary error, but the incorrect accounts were still present. Because of this, Im requesting a thorough review of the documents Ive submitted to ensure I no longer have to worry about this problem.
Product: Checking or savings account

Chime, XXXXXXXX XXXX closed my account after I reported my card as lost. They are holding my funds hostage and will not release them to me. Theyre the only bank I use and I have no ways to make a living or pay my bills. I cant get in touch with anyone because it just keeps saying they closed my account and cant help me.
Product: Debt collection

I have a account with Conns in XXXX texas. I understand when I am to pay my bill. My complaint is they call up to 10 times a day until I have paid my bill. I have called to notify them that I will be late ( some times it is due to when my pay day falls ) but they continue to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a debt I do not owe for XXXX XXXX. XXXX XXXX was included in my Bankruptcy # XXXX. I have contact XXXX XXXX many times to have them fix this issue. This is in clear violation of the Bankruptcy Law Act,  and this account needs to be removed off of my credit.
Product: Debt collection

I had a loan for a XXXX dollars at Speedy Cash. I lost my job and fell behind. I got another job and they had already sold it to XXXX XXXX XXXX. I paid them XXXX now XXXX XXXX refuse to remove this from my credit. I have called them and they stated that they are not able to remove it. They are still reporting that I owe them. This is wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account " XXXX '', has violated my rights. 
15 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
Product: Mortgage

This related to an ongoing issue which BSI has not addressed - either through incompetence or willful ignorance. 
My impound account shows three debits of {$2500.00} for property tax ( actually four debits and one credit - all for the identical amount- so the net number of debits is three ). 

However, only two tax payments should have been made at that dollar amount. This means that there is an ERROR IN THEIR ACCOUNTING FOR MY IMPOUNDS. 

They should also investigate POTENTIAL FRAUD OR EMBEZZLEMENT from within BSI - since there is no reasonable explanation for the debit, and their ongoing reluctance to address this problem is clearly a concern. 

The attached documents are : - a photo of my property tax bill showing that only two payments were needed.

- a copy of BSI 's prior response, the final page I have highlighted FROM THEIR RECORDS the property tax payments at issue
Product: Mortgage

Quicken loans was working with me in a home loan for over 6 months. People working with me in quicken loans where Mr XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( XXXX ), and the person of claims. This company should be investigated. They gatter all my paperwork needed, XXXX, birth certificated of my kids, bank account information with statements, we did a VA amendment to purchase contract along with the home owners XXXX XXXX and XXXX XXXX. Pest inspection was done by XXXX XXXX, Appraisal was done by a real state and va aprraiser name XXXX. I was approved by underwriting of quicken loan ( XXXX XXXX ) .Quicken loans ask me for XXXX dollars deposit that it will be included in my va home loan. The office of attorney XXXX XXXX, Tel # XXXX ( XXXX ) attorney of home owners XXXX XXXX and XXXX XXXX local pastors. Attorney office contact me because they have all the paperwork ready given by quicken loans for closing in the home, attorney give me a date for closing for XX/XX/2018 @ XXXX XXXX. The same day of the closing on the home ms XXXX XXXX call me and told me that they run my paperwork through va underwriting and they cancel the loan. I call mr XXXX XXXX after i spoke with XXXX XXXX and he said that everything was ready for closing but there was a change in the money that I have to bring the closing date. I inform what i spoke with ms XXXX and he said that to his understanding everything was good and he will speak to XXXX XXXX. Then I call XXXX and she said there is nothing that she can do. That was an Va underwriting decision, because they see me as a risk. I ask for my money back of XXXX dollars and claims told me ; they can not give me the money because the XXXX dollars exceed the money they spend. I read reviews of the web about quicken loans and some people where ask for the deposit of XXXX dollars and they never received the money back. Please i want my money back, and please investigate quicken loans. They are giving people false information. They need to paid me back the deposit of XXXX dollars and shred all my paperwork along with birth certificates and bank accounts that they have. Scam watch. Sincerely Us XXXX Veteran.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX SSN : XXXX XXXX : XX/XX/1984 In accordance with the Fair Credit Reporting act The following agencies are violating my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 fumish 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 itern of information, other than records of convictions of crimes which antedates the report by more than seven years.

In 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. 

I did not consent, so please remove accounts/late payments listed above
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my KICKOFF LENDING LLC # XXXX****. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.
Product: Credit card or prepaid card

I am writing to dispute a billing error in the amount of [ $ XXXX ] on my account. The amount is inaccurate because [ as described before the service wasnt provided I have been overcharged ]. I am requesting that the error be corrected, that any finance XXXX included and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. Enclosed are copies of [ original contract matching payment records- denied letter - merchant invoice send by chase ) supporting my position. My claim XXXX was denied for XXXX different raison based on false document from the merchant -Please investigate this matter and correct the billing error as soon as possible. Sincerely,
Product: Mortgage

On XX/XX/22 I had an escrow balance of {$5100.00}. My flood insurance was due and was paid on XX/XX/22 in the amount of {$1400.00}. This left me with an escrow balance of {$3700.00}. On XX/XX/22 an escrow analysis was performed at a refund of {$2500.00} was issued ( I have not received this as of XX/XX/22 ). This would leave my escrow balance at {$1200.00}. I called on XX/XX/22 to rectify the under payment of refund. My escrow account only needs XXXX the disbursement amount ( $ XXXX = {$230.00} ). Therefore, I asked why I still have {$1200.00} in the account if Federal and State law require only {$230.00}. I asked for another refund in the amount of {$1000.00}. Total refund at this point should be in the amount of {$3500.00}. The CSR I spoke to was rude and unprofessional. She wanted to know where I got my numbers. I told her the same information above and she said on her end of the system she only shows {$230.00} in the system. I told her that was incorrect and where can I send my information to escalate. I was provided the customer service email and sent the same information there. On XX/XX/22 I received a call from the mortgage company, but as soon as I answered they hung up. I checked my account again and have noticed they paid my flood policy twice. The 1st payment was on XX/XX/22. A 2nd, unauthorized payment on XX/XX/22. Now my escrow account reflects a balance of {$230.00}, but the mortgage company duplicated my flood payment. I want the excess escrow balance of {$3500.00} to be refunded to me. I have not received any refund as of XX/XX/22 and my mortgage company isn't helping.
Product: Credit reporting

Credit bureaus are reporting my former addresses as being ( 1 ). XXXX XXXX, XXXX, IN ( 2 ). XXXX XXXX, XXXX, IN I have lived at XXXX XXXX XXXX XXXX, XXXX, IN since 1994. and have never lived at the XXXX other addresses listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to all three credit reporting companies about incorrect address on my reports. They have all agreed that the only accurate address for me is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX. Yet all the other address are still listed on my credit report. One of the addresses being included on a fraudulent inquiry submitted through XXXX  on XX/XX/2020. They agreed to remove the addresses yet the addresses still populate.
Product: Credit card

I originally had a recurring monthly charge ( charged in advance of services provided ) by XXXX XXXX to my Discover Card, for which the amount increased without explanation. I could not find a customer service phone number to inquire about the increase. I called Discover Card and they provided me with an XXXX number for the merchant. When I called that XXXX phone number I was placed on hold for XXXX hour and XXXX minutes without anyone coming on the line or even an update on wait status ; I finally gave up and hung up. I called Discover card back on XX/XX/2023 to tell them that I could not reasonably reach a representative to find out about the increase and to cancel my account. I said I wanted to cancel my account since I could not resolve the issued. The Discover Card Rep ( XXXX in XXXX ) asked if I wanted a stop payment on future charges by the merchant and I said yes ( middle of the call ), and she also indicated they would submit a dispute to the merchant for the previous charge ( end of call ). Seven days later ( XX/XX/XXXX ), another charge ( {$79.00} ) was made by XXXX, with another increase in the amount. Discover Card declined my disputes with the merchant, even after I submitted evidence of my efforts to talk to a customer service representative at XXXX, without response. 

As a result, I ended up closing my account with Discover Card to prevent future charges, after 35 years of being their customer. I paid the final payment of my balance, including the initially disputed charge by XXXX, but did not pay the following charge for {$79.00} because of Discover Card 's failure to stop the XX/XX/XXXX charge of {$79.00} as I had said I wanted done on the call with the Discover Card Representative on XX/XX/XXXX. 

I called Discover Card today and they still refuse to reverse/charge back the {$79.00} charge and the interest charge ( even though the amount is in dispute ). I asked them to listen to the recording of the call from XX/XX/XXXX but they just transferred me to XXXX different people instead and gave excuses why they are not responsible for their failure to properly prevent via stop payment ( or charge back to the merchant ) the XX/XX/XXXX charge.
Product: Credit reporting or other personal consumer reports

It's my understanding that FCRA 605B obliges us to expunge any incorrect accounts from my credit report. Would you mind examining the documents? Certain accounts listed are inaccurately reported.
Product: Checking or savings account

Hi I just wonder if nsf fees that Bank of America must reimburse to their clients is between XXXX, correct? My concern is what I saw on my statement counter credit which will be added from the early date of a bill. However, I asked bank already but failed to get the answer.My understanding is that adding counter credit from the beginning of the bill to deduct all the negative expenses that will cause nsf fees eventually. 
I often cashed check and withdraw at teller. But I never once deposit at tellers since atm machines are available 24/7 and show up on account immediately. Therefore, why would I wasting time to wait in line and fill papers? Bank of America will not reverse the fraud transactions in XXXX anyway. So it is hard to prove if the nsf transactions really exist. Or else I would love to hear explanation of counter credit that I dont think I have made. 

By the way, in XX/XX/XXXX that Bank of America just remove, I found a suspicious check that Bank approved it. Number of check wasnt consistent to my check that was XXXX. Representative said that was my check when then name on the check was not even me. Also, there was no signature on the check. Bank let that check deducted money from my accounts. I asked for check details which they can not answer. The same incidents happens in XXXX 2 checks but very interesting that those checks were using the same account number but different routing numbers. Even irs, never had my 2 routing numbers. Especially, my routing number were from XXXX. But I lived in XXXX over 10 years. I was surprised that a scam could get those information. Btw, the check scam company was in XXXX XXXX XXXX XXXX XXXX. I believed XXXX was investigating.
Product: Debt collection

Equifax has reinserted a previously deleted account ( XXXX XXXX XXXX ). I 've attached the information to this complaint. According to the FCRA : Section 611 ( a ) ( 5 ) ( B ) of the FCRA clearly outlines the rules regarding the reinsertion of negative information that had been removed in response to a customer dispute. ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.26 ( ii ) Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.27
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.