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

On XXXX XXXX, 2015 I went to Citizens Bank on XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX for usual routine of withdrawal of Child Support money on my XXXX State Debit Card, which I 've been doing for years due to XXXX state contract with Citizens Bank. Upon speaking with the teller, I was told to wait because she was unsure of the current procedure. Teller informed her Supervisor, XXXX XXXX who informed me that I would be unable to withdraw full amount of {$1100.00} and limited to {$500.00}. I informed Supervisor that is not accurate and I 've been doing this for the past 10 years since I have moved to CT. The Supervisor requested a picture I.D, which was provided, but due to address change sticker on the back of my license, which is required by State Law and was done by DMV, she questioned my identity. Mailing address was verified by providing her with XXXX letters with my name and new address that matches my I.D . All of this happened in the middle of the bank, while other people and tellers witnessed embarrassment that Supervisor put me through. Proving my identity was not enough for her and she went to her office to make a phone call to report and verify if she can proceed. When she came back, I was informed that she would be able to " give me all of my money that was requested earlier ''. At that point I felt extremely humiliated and decided that I was no longer interested in the transaction. I informed XXXX XXXX XXXX, that I was mistreated and she used her authority to embarrass me in front of others. As a Branch Manager she should have handled this situation with more professionalism. Supervisor last comment was : " You are not a customer and I do n't have to take care of you ''. After last comment I just walked out of Citizen Bank.
Product: Credit reporting or other personal consumer reports

I This CFPB complaint has been filled to request pursuant to FCRA *605B ( 15 U.S.C * 1681 c-2 ) that you Transuion credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint this fraudulent, inaccurate and false information consists of a personal credit card account opened at ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX account opened at XXXXXXXX XXXX  on XXXX XXXX XXXX .account opened on XXXX XXXXXXXX XXXX XXXX  on XXXX XXXX account opened at XXXX on XXXX. XXXX. XXXX account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX account opened at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Experian did not correctly investigate my claim to dispute XXXX XXXX XXXX for {$1000.00} and XXXX XXXX XXXX for {$230.00}. Several calls have been placed with no call backs or responses and also on their app Im not allowed to dispute this claim after several tries.
Product: Credit reporting, credit repair services, 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 XXXX, Account number : XXXX Account name : XXXX XXXX, Account number : XXXX Account name : XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Account name : XXXX XXXX XXXX, Account Number : XXXX Account name : XXXX XXXX XXXX, Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX, Account Number : 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 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, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, XXXX, on XX/XX/2020, XXXX-XXXX and on XXXX XXXX XXXX, XXXX  add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Mortgage

I am trying to get a loan modification threw SLS loan services. And I am having nothing but trouble, they have included taxes that I have paid into my escrow account. I have sent in receipts showing these taxes paid and no one does anything exept threathen me with foreclosure. I am behind stressed out and I honestly do not what to do.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I 'm trying to perform a trivial operation - temporarily lift a security freeze on my credit report. However Experian 's website is not working correctly ( it repeatedly gets stuck at " loading '' ). When I call them, I get an automated phone tree with limited and inappropriate choices. I can not speak to a real person to perform this trivially simple operation. This is wasting an enormous amount of my valuable time. This company makes money from me therefore it should be more accountable and responsive. I strongly support heavy federal regulation to ensure this happens. Please tell me what I need to do to cause this to happen.
Product: Vehicle loan or lease

GM Financial did not apply my last payment of the loan on the day I paid which was the due date. 
They were working on closing out the account to request Title from other department " first '' then applied my payment which was 2 days later. 
There system of processing is not my fault, I paid on my regular DUE DATE and should not be penalized on my credit report. I also should be given my points back on my score.
Product: Debt or credit management

The company is XXXX. I provided each of my credit accounts and was promised negotiations would be made with each of the creditors in XXXX Only XXXX account has been negotiated in the last year and a XXXX. There has been no communication with the company other than me reaching out. Each time I have reached out I am given excuses as to why no updates or progress has been made in the last year.
Product: Debt collection

In XX/XX/XXXX, I applied for a mortgage loan. I was alerted by the lender that I had a collection on my credit report for {$4400.00}, which was opened on XX/XX/XXXX ( ironically my birth day and month ). I contacted the original loan company Checkngo, and advised them that this debt was not mine, and they indicated that they had no debt found with the information that I provided. I have not been contacted by the collection agency, XXXX XXXX XXXX. I have also filed an FTC packet. This error has NOT been removed from my credit report to this date.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit card was never late, address was updated and paymnet sent out on time. I contacted Chase directly multiple times to update the address and they contiuned to mail stamnets and paymets to old address. I spoke with associate and explained to her the situation she was descriminating due to the old address and my new address. She did not assist me I had to be transfered and was hung up on multiple times. This is unaccaptable for JP Morgan Chase. This is my business card. 
JP Morgan Chase card acct # XXXX last 4 digits opened XX/XX/XXXX its showing 4 times late XX/XX/XXXX XX/XX/XXXX incorrect XX/XX/XXXX Closed account I was told the account was still opened XX/XX/XXXX reported XXXX credit limit {$15000.00} manner of payment ( R01 ) 60-80 days late 1 time'XXXX incorrect Balance {$11000.00}
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 : I C System, Account name : XXXX XXXX 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 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: Mortgage

The house was foreclosed on I never received ANY NOTIFICATION until a sale date was set I tried to work out a modification the company refused stating that the payments were to far behind they do not do modifications when the foreclosure is so far along. Mind you I WAS NEVER SERVED so I could at no point work out a modification because I was unaware of the foreclosure. I then requested the payoff before the sale I received it from the law firm after the sale and the letter stated the payoff was good until XX/XX/2018 they then sold my home appraised at {$280000.00} for {$100.00} Now they are trying to evict my ex wife and children from the house. 


I have also contacted the Attorney Generals Office regarding this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have filed this complaint before but no response .I have been calling Bank Of amercia for over two weeks now and not one person has been able to help they just connect me to different people. A few times they even acknowledge there an issue on the report but say we dont have access and cant do anything. Nobody has access to correct a report which is inaccurate Who Can help? I am in a bad situation here because of this report.BoA claims account was closed due to fraud which is inaccurate it was closed because of a negative balance and i paid it off in full why are reporting it as fraud? As a consumer you are diminishing my rights and causing me many issues Resolve this right away This is not right I have filed a complain before. Been contacting Bank Of America for over two weeks. As explained to them I was overseas for a one month trip but unfortunately due to Covid returned after 3 months. Called Bank of America and they notified me my balance was negative ( {$280.00} ) .I paid off the amount in full and confirmed with the banker on a recorded line that all is good, nothing on file and nothing will be reported, which the banker confirmed and even told me he can connect me to another person and open a bank account. At the time I did not need one and moved on.3 weeks ago I tried to open an account and was told there is a report on XXXX XXXX .I requested the report and in it Bank of America has put a remark that this account was charged off and due to fraudulent activity it was closed. Called Bank of America over 10 times, they just connect me to different departments and in some cases i have dealt with very rude and unprofessional people specifically there fraud prevention team. The fraud team tell me I have balance due which I absolutely do not and on the file attached I even got verification from Bank of America. The collections team says your balance is zero but the fraud team has to remove the report from XXXX XXXX. Again the fraud team simply says no and you have to wait for 5 years for it to be automatically removed. ( What are they thinking ) I am professional who works in the medical device industry and my salary is in the mid six digits why would I commit fraud for {$280.00} WHY? Then they tell me I must sent proof, Proof of what? That I didn't commit fraud? You are accusing me of that you send me proof? This is my last follow up I have consulted my lawyer and will follow up with a lawsuit by next month if not resolved. Currently I can not open a business account due to this issue and loosing money and its nota small amount Please follow up right away and remove all reports from XXXX XXXX or anywhere else you are reporting this inaccurate information LETTER ATTACHED
Product: Payday loan

CBE Group has never sent me a letter in the mail for pass due loans. At XXXX point I took out a payday loan back in XX/XX/XXXX and was over charged on interest fees and closed my bank account as they got more then they should by the payday loan company. I reopened my account with a new account number with the same bank. So years later the CBE Group who is a XXXX party maybe trying to collect on the loan which I was over charged on interest and paid back which the loan company wanted more and more. 

Anyway Number that called was XXXX. Called me after XXXX on my way home from work one night last week on XX/XX/XXXX. I picked up the call and the lady seem rude asking what my name was and my social security number with of course what my home address was. I did n't give them that info. I said to the lady if you call my cell phone and think you have the right person send me a letter in the mail. I basically told her to shove it and send me a letter in the mail if you have anything on me for whatever they wanted. So just today XX/XX/XXXX week later they called my dad 's cell phone stating that his son has a bad check. I get a call from my dad and I 'm like I have no idea what they are talking about. I do n't write checks. All my bills are paid online anyhow.. So next time CBE calls I 'm going to record the conversation and let my police buddy take it from there see if I can use any of there harassment against them in the future!!! I want them to stop calling me and they buy these outstanding loans on the pennies and I 'm sure they would love to clear out my bank account. That 's not going to happen because I 'll go to CBE office in Iowa and do matters in my own hands if I have too one day!!! So please make them stop cfpb and do your thing. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

NAVIENT This loan was paid off. Reinvestigate and erase please.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I had never turned in a lease before. I contact XXXX XXXX XXXX in XXXX, XXXX, XXXX and XXXX to ask questions about the process. They told me to have my car inspected in advance of turn-in in case there was anything beyond wear and tear I wanted to fix. 

I did that. They booked it, the inspector came out. On my 2 vehicles He found : 1 Scratched Rim, 1 chipped windshield, and hail damage. 

I told him it was acorns and that the charge for hail is extreme, but he said its all the same. 

So I decided Id get the acorn damage fixed to avoid the {$470.00} charge. 

I asked the dealership I was getting my next lease from if they had anyone theyd recommend. They gave me the contact of the guys they use for dent repair. 

The gentleman quoted me {$250.00}. He asked to be paid in cash but provided me the invoice/receipt as promised and did a spectacular job. I photographed the flawless car. 

When my end of lease bill came, I called XXXX XXXX and paid everything except for the acorn/hail charge. Both cars disposition fees, and the rim and windshield fees. I followed instructions and emailed my receipt and photos of the repair. 

They told me to expect the balance to settle after a brief review period. 
Instead I received a text notifying me that Im delinquent. So I called and they explained that the invoice I sent was not sufficient because a portion was written in. 

I contacted the repair guy and he said this is how we do it. We write in your vin, your price and your repair. So I called XXXX again and they said we cant tell this is a legitimate business. Do you have a business card, contact information? To compare to whats on the invoice? 

I did, I sent that too. Then XXXX said theyd call me if they had any issue. They didnt call but a couple weeks later ( mid XXXX now ) I got another delinquency text. So I called them. 
I was told that theyd investigate the reason the balance was still there and get back to me. When they did, they said they need to contact the repair guy and verify he has a real business and really did the repair ( my pictures were high resolution and showed that, but they wouldnt accept that ) and that if they were satisfied theyd close out the balance. If not, theyd call. 

They didnt. But two weeks later another text. So I call them again. In tears. What more do you need? What more can I do? They said if we dont have a credit card or debit receipt, we can not consider it repaired and clear the balance. 

Despite all my advanced calls asking for any and all requirements, they never once said that repairs must be paid for in cash. Never. 

They now are telling me to pay the balance or go to collections. The car has no damage, none. Its beautiful. But they say they have no way of knowing that. 

I have already paid {$250.00} to repair the dings, I can not paid {$470.00} on top of the {$250.00} ... that was paid to alleviate the {$470.00} in the first place. 

Further, I sent all my text messages dating back to my first interactions with the repair guy, I sent them his request for cash, everything I can think of, Ive done. 

Please help me!!
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I disputed this debt via XXXX numerous time with this debt collector about showing me proof of how they are able to report a past due balance every month as a accurate amount in collection.
Product: Checking or savings account

Hello,

Around XXXX  of XXXX if my memory is correct, Chase Bank XXXX decided to close my checking account for no reason. They wouldn't ever want to describe a reason over the phone or in person. Until today I have no idea why it has happened, later around XXXX XXXX I decided to retry opening an account since I had done nothing reasonable for them to close my account but that didn't work I couldn't open a new account then I attempted again online on XXXX XXXX XXXX  and that still resulted in a error message saying they can't open an account for me. Currently, I am a university student seeking to get a student bank account at chase. Please help me resolve this issue.

Thank you.
Product: Credit reporting or other personal consumer reports

All the accounts listed on the Identity Theft report are on my credit profile without my permission. Pursuant of 15 USC 1681b anything reporting on my credit report must have my consent, to do so without my permission is a violation