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

At XXXX XXXX XXXX my checking account w CHASE had a positive balance - I checked. When I woke up in the morning I was negative, charged XXXX insufficient fund fees ( XXXX X XXXX ) = {$64.00} for an overdraw of ( XXXX ) {$140.00}. Within hours I deposited cash and my account was restored to a positive balance. Chase has a policy if funds are presented before XXXX the same day, no charges are incurred. However, CHASE has refused to return the fees charged. I was given XXXX reasons : 1 ) i had used my XXXX courtesy fee reversals, 2 ) The funds needed to be in the account on XXXX XXXX. It was unfortunate for me a XXXX party failed to contractually deposit funds on XXXX XXXX ANd CHASE fails to care whether XXXX of the XXXX reversals were the fault of the bank. CHASE claims they provide all of these online tools to make sure consumers do not incur fees and make their experience better. However they failed to present me with any information ; they did not show these XXXX charges as my pending charges when i checked the status of my account at XXXX. They say they cant. How was I supposed to rectify the problem? Most importantly, i believe charging XXXX Dollars for covering XXXX Dollars for less than XXXX hours is pure usery and a violation of their fiduciary responsibility. Why this fee structure is not scaled is beyond me. Why I am paying over 70 % interest for a transaction that cost the bank pennies needs to be examined by CFPB. This is not about their XXXX XXXX XXXX this is about ethics and the spirit of the law.
Product: Debt collection

I had received a balance that was XXXX As of last week I had a remaoning balance of XXXX in which an agreement to pay XXXX to satisfy debt and remove from my vredit report immediately. I revently received a credit monitoring alert that showed a remaiming balance of XXXX. This was not agreed upon and I also have a regarding of the agreement alomg with informed consent of the call being recorded on my behalf. I am demanding that they remove all remaining balances as well as listing on my credit report immediately.
Product: Checking or savings account

My problem is accessibility to my account. 
I am XXXX years old and have been a customer of TD Bank on XXXX XXXX. in XXXX, XXXX  for about 30 years with no problems, but several years ago the bank introduced a new security system and I could not name all 9 addresses where I had lived. I became " Persona non-grata '' ( Suspicious person ) and was blocked from my online account to which my pension came every month. I tried to straighten the situation, but in vain. So I stopped using my online account and used only my debit card to get my pension at ATMs. But recently my debit card was stolen or lost and I can not now get my pension. I tried many times to speak to the Customer services but can not get through them anywhere. 
I lived in XXXX for many years, but then I moved to XXXX to live with my son, at first in XXXX and then in XXXX. My address now is XXXX XXXX XXXX XXXX,. XXXX, XXXX XXXX. I use my son 's Cellphone to call, to receive calls and for verification purposes. I informed TD Bank that I have moved and that my telephone number is XXXX, but when I called the Debit card service, they said that they were forbidden to use that number. Why? Who has the right to block my telephone number, my online account, my access to my pension? I wanted to establish a TD Voice Print, but was not allowed to do it. I am in a vicious circle.. I can not get anywhere with the TD Bank Customer Services. Please, help me. 

Thank you in advance for your help. I hope you will be able to assist me in my desperate situation. 
With best wishes of success in your noble work. 
XXXX XXXX XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Product: Checking or savings account

Bank of America is fraudulently freezing millions of EDD cards and is causing intentional suffering to millions of Americans that need their money that they have paid into and rightfully earned.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by { EXPERIAN }. I believe these late payments are erroneous and do not accurately reflect my payment history.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

hello dear credit bureus, i have check my report and i have 3 late payments on this account : XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Installment account INSTALLMENT Installment Account Type - Detail : Installment account Auto Loan Installment Bureau Code : Individual account Individual Individual Account Account Status : Open Open Open Monthly Payment : {$1500.00} {$1500.00} {$1500.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$55000.00} {$55000.00} {$55000.00} No. of Months ( terms ) : Monthly 75 Months Monthly ( due every month ) High Credit : {$89000.00} {$89000.00} {$89000.00} Credit Limit : {$0.00} - - Past Due : {$0.00} - - Payment Status : Paid or paying as agreed Current, was past due 90 days Pays account as agreed Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - - Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK Experian OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK OK OK OK OK OK XXXX XXXX XXXX XXXX OK it should be late it should be current. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I did NOT authorize anyone to use my account, Please remove this inaccurate account. 
See the documents attached. I am urging you to take action on these inaccurate and fraudulent accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

IQ Data is reporting a debt on my credit file that I do not owe. I recently took a look at my credit file and noticed this debt was reporting but this is just so frustrating. I used to live in XXXX XXXX. They told me that my lease was up and my rent would go up to stay and I had to either move out or renew my lease. I decided it was best for me to leave as their new negotiations were no suitable. So I moved out by the date that they had advised. However, now they are saying that my lease was not up and I moved out before the date set?? I got two very contradictory statements and they never mentioned my lease not being up before I had moved out! I was told my lease was up otherwise I would not have moved!! This is not my error and this needs to be removed.
Product: Debt collection

Dear Collector, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I do not believe that I owe this debt or what you say I owe. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment made on the account. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
You can not add interest or fees except those allowed by the original contract or state law. 
Any attempt to collect this debt without validating it violates the FDCPA. 
Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX 
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.
Product: Credit card

Before applying Chase Sapphire Reserve credit card at the branch, I had the Chase Private Banker to call the lending department to see if special consideration will be provided to Chase Private Client when the customer has opened many credit cards over the last 24 months. The lady from the lending department told the Chase Private Banker that special consideration will be provided to Chase Private Client but no guarantee of approval. Based on this piece of information, I decided to apply the credit card and it came back as a denial. When the Chase Private Banker called the lending department to request special reconsideration, then we were told special consideration for Chase Private Client was terminated XX/XX/2016.
Product: Credit card

I had a credit limit of {$2000.00}, my limit is now {$800.00}. They decreased my limit based on my other credit cards. I pay the minimum balance on all and pay AMEX at least twice a month. I'm never late they are saying that because of my credit history with other lenders, they made the determination to decrease my credit line. Under the Equal Credit Opportunity Act and the Consumer Credit Protection Act, lowering my credit limit and refusing to increase it is discriminatory, as it denies me my right to credit. Moreover, withholding access to my securities constitutes security fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX account number XXXX Is showing as closed with an open balance that does not exist. This account was closed XX/XX/2020, it was a lease which was returned. Upon calling XXXX they said the mistake is at the credit bureaus side which shows a balance and it shows payments made on time after XX/XX/2020. This information is causing my home refinance not to be approved. I will hold all 3 credit bureaus responsible should my loan does not get approved. 
This account at first had a wrong late payment reported which I disputed, the late payment was removed and the after that a balance showed up on my account when there are no balances. 
Can you guys get at least one thing correct? 
The attached document is the response from the original complaint, you guys fixed one wrong information and it looks like on purpose you inserted another wrong information.
Product: Credit reporting or other personal consumer reports

The credit bureaus are not reporting the same information. There are multiple accounts that are incorrect on my XXXX and equifax due to my information being stolen in XXXX while someone tried to put a car in my name, I have filed a police report because their information and mine was merged and I need their information taken off of my credit profile. There are multiple child support accounts on my XXXX  and equifax with different account numbers, credit cards, and internet accounts that are not mine. I have provided a copy of the police report and filed disputes, yet my concerns have been ignored nor taken seriously. Along with my information being in equifax data breach. 
Accounts- cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And there are jobs that I have never worked at on my profile that need to be removed.
Product: Student loan

I 've been paying a student loan since XX/XX/XXXX. The original total loan amount on XXXX/XXXX/XXXX was {$17000.00} ( {$5800.00} & {$11000.00} ). I was consisted through XXXX XXXX had some financial issues, my loan went into default, corrected that and by XX/XX/XXXX was paying my loan consistently. Throughout my loan repayment, more money has been going towards interest than the principal. Prior to default in XX/XX/XXXX, I paid a total of {$7500.00}. After default, my balance was {$14.00}, XXXX. Payments from XXXX through XXXX has been {$6000.00} and my outstanding balance on XXXX/XXXX/XXXX was {$14000.00} prior to a {$200.00} payment. After this payment my balance is now {$14000.00} more than it was after my default in XX/XX/XXXX. Only {$60.00} went towards my principal. Please help me get out of this situation. I 've paid a total of {$15000.00} towards my student loan already and getting nowhere. It 's been 10 years of XXXX, and despite unemployment, divorce, salary cuts, and now a child in college my loan is still not paid because Nelnet is not distributing most of the payments towards the prinicipal. If you look at the documents attached of screenshots, for some month nothing goes towards the principal or like last month only {$1.00}. Please help me, I work as a teacher, my salary has been slashed or frozen for the last 5 years, and currently XXXX and now have a son in college. I have XXXX a total of 3 years at a XXXX. I 'm also very worried about saving for my retirement. This has been never ending and worrisome. 
During my default, I filed a complaint to CFPB and received assistance and would like assistance for this issue which contributed to my default.
Product: Student loan

FedLoan Servicing Center has reported incorrect information on my ( XXXX ) credit report. I have been unable to reach them to clear it up because the number they have listed/provided ( XXXX ) is not a working number. It immediately disconnects after the first ring. 

FedLoan recently discontinued handling federal student loans & transferred all their accounts to other lenders ( XXXX & XXXX ). My loans were transferred to XXXX. However, an error ( obviously ) occurred in the transfer. My ( FedLoan ) loans were in an IDR ( Income Driven Repayment ) Plan, with {$0.00} past due & a {$0.00} balance due at the time of the transfer. 

Note : FedLoan Company is not out of business, they are just no longer a student loan company. Therefore, they should still be contactable. 

I have a credit dispute that I have been attempting to clear up and resolve but can not reach them. 

Though XXXX Credit Bureau shows my FedLoan account at a {$0.00} balance, it is still showing up as a delinquent status. I was denied a loan ( from another lender company ) because of this inaccurate reporting on my credit report. This is keeping me from ( re ) starting school ( in XXXX days ). 

Please see that FedLoan corrects this ( delinquent status ) error immediately. 

Please contact me asap at XXXX. 

Thank you, XXXX XXXX
Product: Debt collection

I recently created an account with XXXX XXXX in order to monitor my credit and improve my score. There were 2 derogatory marks, both from the Collection Bureau of Fort Walton Beach. At no time have I received any correspondence from them  about these charges. I have now filed a separate complaint for each of these. I tried to file a complaint through XXXX XXXX, but XXXX tells me my information does n't match theirs, so l get no where. This charge is for XXXX XXXX XXXX in the amount of XXXX and was opened X/XX/17. I h save no idea who they are or when.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, a finance company used by XXXX XXXX XXXX XXXX, is where the false report originated from in XXXX of 2024. I also contacted XXXX XXXX about the incorrect inquiry and they refused to remove it! I believe the A/C technician at my home " could have '' incorrectly made the hard check, but never was that asked for by me to take out a loan, certainly w/o knowing the rate... no need, I keep close track of my credit, which has no blemishes at all. I was approved, which should have been a red flag, but so tired of mistakes and poor service everywhere, and did not register at the time. This A/C company knows my creditworthiness, as I have paid them substantial money over the years, always on time like all others. 
I made a report to XXXX giving them the information ; a CS person on the phone at XXXX said it would be removed/corrected, but of course it was not. It is on my XXXX Report only. The other credit score companies do not have the hard inquiry recorded, which is correct. I did not apply for, nor did I receive credit from that finance company. It stays on your report for two years and lowers your report score. This error is unacceptable, and I'm the one affected negatively by it, no one else. 
Thank you. XXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many wrong items in my report. I have never paid late these accounts :  XXXX  Account #  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Account #   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Account #  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Account #   XXXX   XXXX   XXXX   XXXX   XXXX   -  XXXX   XXXX   XXXX   XXXX  -  XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to the inadequate customer service and fair practices, which violates the consumer finance protection act ( CFPA ). Specifically, Cash App failed to take time and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, As they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, I seek appropriate redress for this violation.
Product: Credit reporting or other personal consumer reports

I am submitting this request to inform credit Bureaus that I have been a victim of identity theft and to dispute certain accounts on my credit report. The accounts I am disputing do not relate to any transactions involving goods, services, or money that I have made or authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX