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

First, I can provide CLEAR emails from Chase to me that will provide convincing evidence that everything I am about to state is accurate. 

Very simple story really. For years my local Chase bank did not charge me monthly checking fees as I kept a certain " threshold '' balance ( combined balance ) in their institution. Then, all of a sudden Chase started charging me monthly fees so I contacted my banker XXXX XXXX ( not easy to work with in my opinion ) XXXX as a higher level local banker told me if I would move XXXX from another institution ( ie XXXX XXXX ) into Chase investment banking then that would meet a " threshold '' of balance and then I would go back to not being charged monthly fees. I was " enticed '' shall we say to move XXXX ( that is A LOT of money ) into Chase in exchange for no monthly fees. Again ... this is all SUPER CLEAR in emails I can provide at the appropriate time. This XXXX was added to an investment account that already had XXXX so now I am " parking '' XXXX ( again..a LOT of money ) in their bank for what they documented in emails would " waive '' monthly banking fees. 

Now..for reasons that appear unclear ( maybe fraudulent..that is for you to decide ) they are charging us over {$100.00} per month in banking fees on several accounts despite us having met the XXXX threshold of holdings at their bank that they said would be required to NOT charge us monthly banking fees. 

We have XXXX clear email to document all of this when the timing is appropriate. Our banker- XXXX XXXX has been less than " timely responsive '' and we feel their actions ( to us ) seem deceptive. But we do respect regulatory bodies and want you all to determine if what they have done is misleading or fraudulent. 

We simply want all of the over- {$100.00} fees reversed. They have charged these for many months... so we need to go back several months and reverse them ALL. Keep in mind we have banked with them for well over 20 years. The person XXXXseems to be the source of the problems... but again..we want YOU to see if that is the case or not. We trust your regulatory findings. I have emailed XXXX and asked for his manager thinking that someone " higher up '' in Chase would review the situation and do the RIGHT THING and reverse these fees. XXXX WILL NOT RETURN my emails and WILL NOT provide me the name of his direct supervisor. I do NOT wish to ESCALATE this, but I believe I am running out of options and as such am reaching out to CFPB hoping some sort of " consumer advocacy '' can take place to help me ( the little guy ) fight the big bank ( Chase ) that enticed me to move a LOT of money to their institution... .which I did .... but they did not hold up their end of the agreement as laid out in a series of email. If they would simply reverse all these fees I would be happy, drop this, and we could all move on and have a great day!
Product: Credit card

I try to replace my lose of XXXX due to relocate from XXXX to XXXX on XXXX/XXXX/2016, in order to get the new drive licence and passport. I accidently log on XXXX which has a Liberty Statue and looks like a real government cite, I did not doubt and asked to prepay {$170.00} to get start the process. I provide my credit card information and follow the questions, I did not notice this cite is not government official cite until my daughter gave me the XXXX web cite. We found out it only require to write the check {$340.00} filing fee for the Form XXXX, I call XXXX to XXXX XXXX XXXX ( XXXX ) for asking why I have to pay extra {$170.00}? I just got the answer of yes, I have to pay extra {$170.00} to process the filing form. Then I call Bank of America billing dispute department ( XXXX ) to stop payment {$170.00} and mail me a new credit card, the associate told me it 's pending now, I have to wait 5-7 business days call back to get the refund and BOA will protect customer 's right. I call back yesterday XXXX/XXXX/2016 and the associate told me the only way to get the refund is to call XXXX. I call several times waiting for the chance to get the answer from XXXX, XXXX offer refund {$80.00} from staff then {$120.00} from supervisor and I have to drop the dispute filing and provide BOA XXXX name and phone number first. I call BOA again and associate wo n't give me the name, he remind me the better way is to drop the case and I will expect to get no money back. I call uscia.gov the agent gave me XXXX then contact consummerfinance.gov to get help. I had been suffer frustrating calling BOA and XXXX several times, I do n't know what to do, please help me to get my {$170.00} back. Basically, I just mislead to prepaid XXXX own money {$170.00} and fool around to gave away all my personal information to XXXX, my daughter help me to apply the XXXX Form XXXX with {$340.00} check via certified mail on XXXX/XXXX/2016. I did not have service from XXXX and BOA did not protect customer from fraud dispute.
Product: Prepaid card

My company uses American Express gift cards as holiday prizes, and I have a few at varying amounts. Despite their website advertising " Use online and in-store '' ( XXXX XXXX XXXX  ) I am constantly denied from using the card at websites that do support Amex cards. They have no method of " registering '' the card to set my name or zip code, and so there is effectively no way to use the card online at most locations. This to me is fraudulent advertising, if known by the company and not disclosed. They should know how many times a card is attempted to be used online and denied, and I would suspect this is over 90 % of the time. I think CFPB is empowered to ask that question to determine how frequently this is happening. The answer " try somewhere else '' is not reasonable when they advertise " ... gift Cards XXXX be used virtually anywhere in the XXXX that accept American Express Cards ''. I have tried various online retailers and have failed nearly every time. I think I found XXXX retailer who allowed use, but it was by far the odd one out. Online discussion forums recommend using for bill pay, so I set it to pay my XXXX XXXX XXXX. It was declined. I set it for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, declined. My local refuse collection, declined. To me this is well beyond what is reasonable to expect from a service that markets as " XXXX online and in-store ''. They must know that this is a problem, but are clearly uninterested in making it better. 

I have XXXX cards currently totaling the following : {$700.00} {$50.00} {$25.00} {$200.00} that I was able to use some and now has {$82.00} remaining I have had these cards for over a year, effectively losing value in record inflation while they withhold my ability to use them. I should have the option to request a check or they should be required to offer registration of cards so they are usable online as they advertise. They note on their website : " To avoid your Card being declined when shopping online, please use at online merchants that require the Card number, expiration and security code '' All sites that I referenced requested all information mentioned and were still declined. So clearly something is off and I think asking American Express about the frequency of declined purchases and the amount held in their account because of these declinations would be interesting. As I see it, they have a vested interest in declining valid purchases as long as possible, and other than public pressure and ridicule, they have no reason to make it better. Federal pressure could help make them do better.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INFORMATION HAS BEEN DISPUTED SEVERAL TIMES AND I AM TRYING TO GET THE ITEMS REMOVED OFF MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander did not try to resolve the issue. Someone had gotten my information and tampered with my lease on my car.
Product: Debt collection

XX/XX/2019 {$500.00} Certified letters mailed to all three credit bureaus and debt collector stating they were reporting an incorrect account number and that is against the Fair Credit reporting act.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX
Product: Student loan

My loans were forgiven due to XXXX 5 years ago! Nelnet has not updated this information with any of the bureaus! XXXX stated today there are still XXXX that were forgiven but not being reported as such and showing DELINQUENCY! The see loans were forgiven over 4 years ago- every single one and Nelnet is responsible for reporting this to all bureaus and yet they have not. I tried fixing it a year ago and was told it was taken care of and yet here we are! They were forgiven due to XXXX and a permanent inability to repay and yet they still sit as if I am not paying them!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Equifax they reinvestigated my disputes the errors I discovered on my report filed by them. If they had reinvestigated they would have known that in XX/XX/XXXXthe followkng occurred : 1. XXXX Bank account was paid in full with current status balance XXXX. 
2. XXXX XXXX  Bank account was paid in full with current status balance XXXX. 3
. XXXX XXXX  Bank account was paid in full with current status balance XXXX.

4. My address is still being reported in error by reporting an undeliverable mail post office box in my file.

5. My name is reported incorrectly their should only be a first name and last name.

6. My social security number should not be visible on my report for anyone to see The above items should be deleted because several attempts have been made for Equifax to correct and have purposely reported incorrect or updated information repeatedly and should be held accountable.
Product: Credit card or prepaid card

have an account with both XXXX XXXX and XXXX 's clothing store overseen by Comenity Bank. 
On XX/XX/XXXX. 2021 I looked on both XXXX XXXX XXXX 's website to see what my payment for that month was. I find a letter on each site, show my credit limit was decrease due to my credit report. I would not had looked at website I would not had know why. 
Also change me a late fee on both account. 
Didn't gave me my XX/XX/2021 XXXX. 
Nor receive the XXXX I order which the company say was on back order and i would recovered it in XX/XX/2021 Item : XXXX XXXX posture XXXX order # : XXXX ( I did have a problem with XXXX XXXX XXXX  but after filing a complaint with CFPB they reopened my account because the were at fault. Thank you for that and my negative report from them has been reversed. 
Never had loan or real estate when I was approved for credit. Never had bankruptcy. 
Only problem with XXXX XXXXXXXX XXXX
Product: Student loan

For 12 months I was on an automatic rate reduction payment plan with Navient. In XXXX 2016 I noticed my Navient account sent me a note of a late payment. I called them immediately was advised and assured that my account was not delinquent and with the next payment my account would be current. My XXXX payment went through and the same noticed appeared on my account. I called again, expressing my deep concerns due to working extremely hard for my credit score and that I would not want an error to appear on my credit report. The Navient representative went through my account and advised that my account was set up properly and payments were being allocated correctly. XXXX 2016 I check my credit score and fico score and saw that my score dropped XXXX points due to my Navient account reporting as XXXX delinquent!! I called Navient immediately after being transferred numerous times the final representative confirmed that the error was due to a miscalculation with the account being set up on Navient behalf. I advised that an immediately notice be sent to the credit bureau of this error. XXXX & XXXX 2016 I checked my score again with little to no difference made to my score. I called Navient again to advise that no resolution was made with my score and that this was affecting my financial future! It was then I noticed that Navient was also charging me late fees on top of this error that occurred on their behalf! My account was adjusted and was advised that another 25 days would be needed for them to do a full evaluation to my account to submit the " XXXX portion '' of the dispute to confirm that my score dropped indeed solely on their behalf. Since then I have seen no difference to my score and no next steps from Navient on a resolution on correcting their mistake. I have also placed a dispute with XXXX to also look into this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to the CFPB due to not hearing anything back from the bureaus in regards to a account on my credit report! I have asked them to verify for months and send me where this is coming from. I even wrote the creditor. I need help identifying this account to see what it is. This account is affecting my credit report and I want to get this taken care of if this is indeed my account! No response makes me wonder where its coming from and what has been sent to verify it.
Product: Credit reporting or other personal consumer reports

I submitted a complaint months ago and the fraudulent account is still on my credit report ACCOUNT XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX Details Account # XXXX A payment was sent but never received. I have had a perfect payment record and te company is reporting a payment having been late.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Urgent Dispute of Fraudulent Student Loan & Harassment of Elderly Parent To Whom It May Concern, I am writing to formally dispute a fraudulent student loan that has been attributed to me for XXXX XXXX XXXX XXXX. I never attended this institution, and both my mothers and my personal information were stolen and misused. This has been a distressing and ongoing issue, severely impacting our lives. 

What makes this situation even more alarming is the harassment my XXXX mother has endured from representatives of this fraudulent loan. She has been repeatedly threatened and manipulated into making payments, despite my clear lack of involvement with this school. The relentless intimidation has been so severe that she is now using her limited fundsmeant for medication and essential living expensesto pay this illegitimate debt out of fear of losing her home. 

This situation is unacceptable and must be addressed immediately. I request that CFPB : 1. Investigate the fraudulent nature of this loan and verify that I did not attend XXXX XXXX in XXXX. 
2. Intervene in the unethical and predatory collection tactics being used against my elderly mother. 
3. Take action to have this fraudulent loan removed from all financial and credit records associated with my name. 

This situation has been a nightmare, and the emotional and financial toll on my mother and me is immeasurable. I urge you to take swift action in protecting us from this fraudulent debt and abusive collection practices. Please let me know if further documentation is required to facilitate this investigation. I can be reached at XXXX ] or XXXX. 

Thank you for your time and immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

I received at Citicard Visa card when Costco changed from XXXX XXXX. I have not, in two months received a bill and can not pay it. I have misplaced my card so they will not send me an emailed bill. I am waiting for a replacement card to be sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 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 of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to 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 : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report shows my deceased husband credit card debt of XXXX XXXX odd dollars with XXXX XXXX XXXX XXXX which I am an associate card holder as mine and I want it removed since my husband is deceased and it shows delinquent it will hinder my credit score, When I asked for it to be removed, I was told it shows I am an associate holder, and it won't ever be removed since it says associate card holder. I have been told repeatedly it is hindering my credit score.
Product: Credit reporting or other personal consumer reports

Dear CFPB I am writing to formally request a deletion of all inaccuracies reported on account : # XXXX with XXXX 

Upon reviewing my Equifax credit report on XX/XX/year>, I noticed that some things are incorrect, incomplete and inaccurate, those errors include reported open date, date of the first payment and last reported date. 

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, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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.