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

I opened an ESCROW account with TD Bank ( XXXX, XXXX XXXX branch ) in XXXX to handle the security deposit for a rental we have in XXXX XXXX 
In XXXX we moved to XXXX and I advised TD Bank to change our mailing address ( to become in XXXX  where we moved. 
In XXXX of XXXX I went to the bank and asked about the account. I was told it had become dormant in XXXX and they did not have the correct mailing address. The bank re-activated the escrow account but then charged {$15.00} per month as banking fees because " the account was changed in XXXX to a different one that had banking fees if it fell below a certain limit ''. This is an ESCROW account that will not increase in value. The funds are there as a security and is in the name of the tenant ( I am the escrow holder ). 
The bank charged an amount nearly {$800.00} for as a service fee over the course of the years. 
I complained to the bank branch in XXXX, XXXX  where we bank and was advised by the bank manager ( after 3 months of waiting ) that she could not do anything ( bank statements which I never received have a 30 day contestation period ). They therefore did not refund any of the money that was charged.
Product: Credit card or prepaid card

During Tuesday, XX/XX/XXXX and Wednesday, XX/XX/2020, I attempted to call Chase/Amazon to ask for the two months furlough on my credit card due to being positive with Covid-19 and the financial hardship. I stayed on the telephone ( XXXX ) for 3 hours and no one picked up the phone. I then established an account and attempted to leave a secure portal message but it only allowed certain messages to go through. Then my password suddenly no longer worked. 
It seems that Chase/Amazon Prime will not allow the consumers to request this assistance during this trying time. Also, a neighbor got my mail by mistake and had opened it. I noticed that Chase had placed the entire account number on the Statement which is illegal in some states including North Carolina. In the " Account Summary '' the entire account number is on the statement. 
This is a violation that needs to be addressed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  TX ) XXXX Balance : {$3800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00}
Product: Debt collection

There is an collection company listed LVNV which states collecting for a XXXX account maybe an account I had a long time ago past XXXX years I might have had one. Is n't this past the statue, and they will not disclose any information to validate this. Please help
Product: Debt collection

Medical Bill was paid back in XXXX by my insurance carrier to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and they still submitted the bill to Transworld Systems INC. Received this bill this collection agency dated XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act theses XXXX Accounts, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Transunion Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have sent to the creditor and credit bureau asking them to provide me with proof showing me a written contract bearing my signature this company has failed to provide me with any proof showing me a written contract and have failed to remove this negative item from my credit according to the FCRA I have the right to ask for proof and they have 30 days to verify or remove.
Product: Checking or savings account

On XX/XX/XXXX I went on XXXX market and saw that a house was on Rent at XXXX IL I sent a message to XXXX the person that placed the house for rent to request information. 

I went and looked at property and saw pictures of the house with XXXX XXXX at XXXX XXXX XXXX He said that the application fee was XXXX and he ran my credit On XX/XX/XXXX I sent him the XXXX dollars to check my credit by XXXX to XXXX the XXXX is attached to XXXX XXXX XXXX XXXX Contacted me the next day and stated that my credit was good and that to hold the house for rent they needed a deposit of XXXX of XXXX for the deposit On XXXX XXXX XXXX I sent the remainder XXXX of the deposit to XXXX XXXX the attorney XXXX XXXX XXXX at XXXX On XXXX XXXX XXXX I sent the XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone number XXXX XXXX 



XXXX XXXX then claimed that XXXX XXXX XXXX never received the XXXX I resent the XXXX to XXXX XXXX XXXX to XXXX XXXX XXXX When I looked at the XXXX it showed XXXX exclamation Mark that stated paymrnt requieres additional information This is when I started to get worried I reached out to the landlord claiming that he had not received the funds I contacted chase customer service.. and they confirmed that all funds were transfered. Successfully That's when I started to be concerned.. I contacted The Landlord stated thatvhe never received it.. I advised tha I wanted my money back and that I was not going to send any more money... 

Also advised that I was heading to the property I then called XXXX on XXXX XXXX and the XXXX XXXX XXXX office was sent to the property. 

Spoked with XXXX XXXX XXXX and Case was filed to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX The looked at the house and was advised that the house was occupied and that it was not for XXXX 

XXXX XXXX XXXX ' XXXX XXXX advised to contact chase and reported as Fraud/scam and that chase will be able to help me I contacted Chase. Customer service I was advised that a diifent department would need to help me but that they were closed. 

However that by me having submitted a plice report the bank will be able to help me However I was declined by Chase dispute department I Contacted XXXX directly at XXXX. And they advised If you use XXXX through your bank or credit union, you should also report the transaction directly to them. You can also contact your bank 's customer support team if you use XXXX through your mobile banking app. 
File a fraud claim : You can file a fraud claim with your financial institution under Regulation E.

Yet Chase refused to assist I was scamed/ frauded XXXX I have filed a report at the XXXX XXXX XXXX XXXX XXXX The Federal Trade Commision Your report has been submitted to the Federal Trade Commission .

Report Number : XXXX And the illinois states attorneys office
Product: Debt collection

# XXXX account this account is NOT mine! I have contacted Equifax over 18 times to remove this account that isn't mine. They show no proof of where they verify this. I have even sent them a hard copy of proof showing this isn't mine.
Product: Debt collection

This is about like Whos on first situation. 
XXXX XXXX  sold debt to Midland Credit Management. Ive been suspect of the amount they said was owed since XXXX full sized refrigerators were purchased and then cancelled because of delivery and installation issues and I believe at least XXXX was never credited back to that account which would grossly overstate the amount owed on the account. Midland Credit does NOT have those statements. I contacted XXXX and they have said contact XXXX XXXX and then I get a statement from Midland Credit XXXX my payments! That is NOT what I requested. 
So basically Ive gotten nothing to look at to confirm what was actually done on my account. Moreover my income last year was under XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for my living expenses were between XXXX mos late from the date noted on my financial aid account. This caused me to be late and Midland Credit jacked up what they were charging which was supposed to be no interest and added penalties which I asked them to remove!
Product: Credit card

I was a holder of Amex Premier Rewards card account since XXXX 2015, and in the past 4 months I had over {$6000.00} transactions in total ; I paid all of my payment well ahead of due date and never violated the terms by Amex. Everything was good until one day around XX/XX/XXXX, Amex called me and freezes my account requesting bank notary to prove my identity asap ; I offered to provide documents like passport scans, etc that could achieve the same goal as I have no idea what 's the notary and how to get it, but Amex insisted on it. I then went to all local banks but they refused to provide it for me and the branch managers also feel confused about Amex 's request. I did re-login my account to make sure the account was good on last Saturday, however when I was just about to call Amex to see if there is any other option they closed my account and voided all my XXXX rewards points ( worth {$320.00} at least ) ; there is also ongoing unresolved transaction dispute on my account while it 's cancelled. I was never notified by email or call, which I also later confirmed with Amex agents on phone. I instantly called back that day and the XXXX agent ( # XXXX she left me over phone ) also found it confusing, and guaranteed me that I will have my rewards point safe ( she said she can still see them on my account ) while she requests further investigations. She also said the back end says I requested to cancel my account but I really did n't ; I said phone record and website login history are proofs. Two days passed I still did n't hear back from Amex, so I decided to call back and the XXXX agents answered my phone ( I called XXXX ) are rude and impatient this time ; XXXX of them insisted that I requested to cancel it from what they can see, and once I requested them to provide evidence they refused. XXXX kept blocking me, and the other put me on hold and XXXX later hang on my call. All they repeated are my points are voided and they can do nothing to re-instate my account. Then I called the executive service line, this time the agent is patient at beginning, then after she checked my account for XXXX minutes, she said Amex did cancel my account for violating terms, but once I challenge it and ask for exact reasons, she refused to provide it and started to blocking me like previous agents ; she insisted there is no possibility to reinstate either the card or my reward points despite she ca n't provide any reason. I am really disappointed with Amex and right now the process could also hurt my credit history ; since Amex refused to solve my case, I want a solution from here to protect my rights to reinstate my reward points and get compensated for the time invested to solve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the process of refinancing a real estate loan on my property, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is erroneous, and inaccurately reporting incorrect public information on me stating that I have a child support judgment that is NOT even my name. Fortunately, I'm NOT some random person who did/does NOT know who his father is/was, nor his name ( XXXX XXXX XXXX ). nor have I ever been married, or had children, or been to ANY child support court! 

Nor am I a XXXX with the name of ( XXXX XXXX XXXX ), nor should I have, or ever been associated with some random person by the name of XXXX XXXX XXXX There is NOTHING that is relative to my property, or address that has EVER been in the name, or related to anybody named XXXX XXXX XXXX. This is some random racially motivated negligent inaccurate XXXX supremacist, XXXX privilege XXXX!!!
Product: Debt collection

The debt is for " repairs '' that were made to a property when I moved out of the apartment. I was overcharged for painting when as tenant over 3 years, painting is considered " wear and tear '' but charged costly for painting. Also left the apartment early and requested repairs. Repairs did not take place but after and the cost for replacing a curtain was for a small window was over {$100.00}. Complained to the leasing office to no avail. Stood my ground to not pay for ridiculous cost of the damages. Now the company I.Q. Data International , Inc. located in XXXX, WA XXXX wants to collect {$300.00} for a {$100.00} cost and repairs to the apartment. I gave them a call looking to settle at 40 % of the cost but the owner yelled, talked over me and tried to intimidate me over lawyer fees and cost. Please help im looking to pay but this is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to follow up on my previous complaints and letters I submitted on XX/XX/2022, and to inform Equifax that I am halfway of taking legal action and sue them for their willful non-compliance of the FCRA statute. Only if the Credit Bureaus chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my 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 creditor. The account that should be corrected is : XXXX XXXX
Product: Debt collection

I do not owe any debts to COLUMBIA DEBT RECOVERY and I have never received notice of this collection via mail from COLUMBIA DEBT RECOVERY and thats a violation of the FDCPA.
Product: Credit card or prepaid card

I rented a car from XXXX XXXX between XXXX and they claimed that I was responsible for damage to the windshield. In the process, XXXX overcharged me on XXXX occasions : XXXX. The first time was during the checkout process. Attached is the receipt showing the charge breakdown which results in a XXXX euro overcharge. File name XXXX. 

XXXX. Also attached is the repair invoice from XXXX ( file name XXXX ) showing the cost of repair was XXXX euros for a total of XXXX euros with tax. 

XXXX charged me XXXX euros for a total of XXXX euros with tax. This means there was an additional overcharge of XXXX euros. 


Total : XXXX + XXXX = XXXX euro overcharge. 

I've disputed this multiple times with Citi through their website/app ; however, they have not done anything. They perform their investigation and then just respond by saying that I am responsible without really providing evidence or details. They also stated that overcharging is not considered fraud and hence they are not responsible for resolving the issue.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of and delete these immediately. 
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 have tried to fix this situation for more than a year and experian is still reporting inaccurate information according to the fcra if the information across all 3 bureaus need to match and be accurate or must be deleted promptly. It is still not accurate.this is so frustrating. 15 U.S. Code 1681n States a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I have proof of more than 10 violations that I have sent with previous attempts to resolve this. They have had so much time to delete XXXX well over a year and rectify the situation if this is not resolved promptly I will be taking to litigation
Product: Credit reporting or other personal consumer reports

The CARES Act and Credit Reports states ...... If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX up until the XXXX XXXX XXXXXXXX XXXX emergency ends. XXXXIn XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX Is reporting a late payment to my credit report however, I had follow all steps of making a valid payment arrangement via the CARES ACT with this company during the XXXX XXXXXXXX periods however the company is still reporting inaccurately to all 3 of the national credit agencies I was current before and after that time also. you are current on payments and make special arrangements, creditors must report the account as current. 

Late and missed payments CAN NOT be reported if you have already made arrangements. 

XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Account has been paid off since XX/XX/ and credit report still shows an existing balance. They also havent reported to the credit bureau in XXXX days regarding my accounts status. Please update showing paid in full and/or closed.
Product: Mortgage

In the middle of the XXXX winter, approx XX/XX/XXXX, our furnace shut down, and we needed it repaired immediately, as we had elderly and a XXXX XXXX XXXX XXXX living in the house, and the heat was not working. I had to call my oil company to service it, and it was an unexpected expense. Due to the high cost of oil, and the service and repair charges, we were unable to pay our mortgage. In the beginning of XX/XX/XXXX, we applied for home owners assistance from the New Hampshire HAF. We were told that we could get assistance if we applied for a loan modification and were denied. We submitted a request for a loan modification on XXXX XXXX... I was asked to submit some missing documents, which I did.. Several days later I called my servicer for an update. They requested more documents. Eventually I faxed, and e-mailed everything they asked for. For the past several weeks I have called for updates, and was told there were no updates. This has been going on for 2 months, with no update. We need the servicer to make a decision ( approve or deny ) the loan modification request so that we can get current and avoid foreclosure. I feel the servicer is taking much longer than they should, and need a decision ASAP. THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT REQUEST ANY EXTENDED FRAUD ALERT PLEASE REMOVE ANY AND ALL ALERTS PLEASE AND THANK! WHY DO I HAVE TO KEEP REQUESTING THE REMOVAL OF ALERTS THAT ARE STOPPING ME FROM GETTING A LOAN OR EVEN RENTING A CAR!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX DOB XXXX SS XXXX I would like a update on my last Complaint from XXXX as well. Please remove the following addresses : XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX, OH XXXX. PLEASE REMOVE THE XXXX FROM MY FILE. I HAVE NO CLUE WHY THAT NUMBER IS EVEN ON MY FILE!!!
Product: Credit reporting or other personal consumer reports

Dear Sir or madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 
The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : INQUIRES XXXX XXXX XXXX XXXX XXXX CROSSCOUNTRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 The listed inquires were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and Supply a corrected credit profile to all creditors who have received a copy within the last XXXX  months or the last XXXX years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy of the completeness of the information is hereby requested, to be provided within 15 days of completion of your re-investigation
Product: Checking or savings account

My XXXX account would randomly freeze up and money would just not be available and now I cant use XXXX at all.