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

Chase Bank was excessively charging me overdraft fees Of {$34.00} before the company policy time. The time I was informed from employees was XXXX est. I called in today XX/XX/20 to inquire about a overdraft fee that occurred after XXXX on XX/XX/20 and the employee told me the time is the bank access fees XXXX. This has been going on for awhile and Chase misinformed consumers to get extra money. The bank employees say different time and makes the consumer look like liars.
Product: Credit reporting or other personal consumer reports

I submitted lawful affidavits to this company demanding the removal of all unauthorized information, a permanent freeze on my account and data, and a full revocation of any presumed consent to collect, store, or report my personal information. 

I am the Secured Party Creditor over the private estate associated with this account. This company has no verified contract, no valid consent, and no lawful authority to access or use my data under 15 U.S.C. 1681b, the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ), and applicable trust law.

I have demanded proof of authority or contract, which has not been provided. I am now escalating to the CFPB for enforcement and resolution. Affidavits documenting my demands are attached.
Product: Credit reporting or other personal consumer reports

Equifax is reporting an unauthorized loan on my file for XXXX
Product: Credit reporting or other personal consumer reports

Today, I had found out that the items I want to removed previously on my dispute remains on my credit file. However, I want to remove it immediately with your help. Per FCRA section 605b, the Credit Bureaus are required to remove any items listed on an identity theft report. Please find the required documents to assist in the deletion of the erroneous information which are being posted on my credit file. I demand that this matter be treated with the utmost urgency and seriousness. The continued presence of fraudulent items after this attempts is unacceptable and reflects gross negligence. For this unresolve issue, I am pleased to ask an immediate help from you to remove as soon as possible these negative items which i do not recognized as truely mine : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX Balance Owed : {$480.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$770.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$480.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$770.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXXXX/XX/XXXX.
Product: Mortgage

I was selling my property in XX/XX/XXXX, I requested payoff from Gregory Funding multiple times beginning in XX/XX/XXXX. These requests were submitted online, through email and USPS. Requests were also made by the Title Company and banks ... with no response.

Somehow Gregory Funding had the mortgage ONLY in my late husbands name, even though my name is on the property title. 
All parties involved agreed to proceed with the sale and use the payoff amount listed on my XXXX XXXX. The Title Company also withheld {$2000.00} from the sale to cover any additional costs that may arise.

Gregory Funding received the payment with documentation that it was payment in full for this mortgage... .the payment was deposited. Closing date was XX/XX/XXXX. Since this time, Gregory Funding has never released the mortgage and sends a company out every month to take pictures of the property and continues to accrue charges on the account for insurance and these pictures. We hired an attorney, because Gregory Funding refuses to speak with me until I sign a form accepting responsibility for the mortgage ... ..they are now saying I owe an additional $ XXXX on top of what was reported on the XXXX. The attorney asked for documentation on this amount and they have not provided any documentation. We tried to offer a settlement of $ XXXX to make this all go away and their attorney agreed in XX/XX/XXXX, but the updated agreement was never produced and their attorney has quit answering any calls or emails from our attorney. Mortgage on file at courthouse does not reflect any of the information that Gregory Funding has stated. They continue to send people out to the property to take pictures that has been sold for over a year and a half. They continue to send mailing to the Estate of my husband, but there is no Estate and never was. This company has caused much XXXX  and stress in an already stressful situation.
Product: Credit reporting or other personal consumer reports

Hard inquires on my credit report that were not approved by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent the follow letter XX/XX/2024 XX/XX/2024 EFFECTIVE IMMEDIATELY and INDEFINATELY : Per the FCRA, as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you - written and/or unwritten, verbal and/or non verbal - per 15 USC 6802 and 16 CFR 313.7 XXXX XXXX I am also requesting the following companies stop reporting to any consumer reporting agencies on my behalf immediately : XXXX XXXX XXXX XXXX CB Indigo XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit company has reported to the credit bureaus that I have a delinquent account with them, and when asked to back it up or to take it off the XXXX bureaus, they have not responded at all.
Product: Credit reporting or other personal consumer reports

Certified letters were mailed XXXX XXXX, XXXX  to correct inaccurate information.
Product: Mortgage

The complete an utter failure of this banking institution has caused me to almost lose the house I was trying to buy. The lack of communication between the customer ( me ) and the lender ( BB & T ) was disgraceful, unprofessional, and tiresome. The inner workings of the employees of this institution are not at a professional level and no one was eager to help or answer questions related to the loan itself. Here is 2 different timelines from myself and my realtor about what happened : XXXX XXXX - purchase contract sent to XXXX XXXX @ BB & T XXXX XXXX - first response from BB & T and confirmation of receipt of contract XXXX XXXX - emailed BB & T for an update, no response XXXX XXXX - emailed BB & T for an update, no response XXXX XXXX - emailed BB & T for update, received response with notification we will not be closing on time XXXX XXXX - the contract closing date. As of today we are still unaware of the loan status and I have not been notified from anyone at BB & T with an updated closing date. 





XXXX/XXXX/XXXX -- -XXXX received prequal application after filling out application XXXX/XXXX/XXXX -- -I called XXXX several times between XXXX and XXXX to find out about the application. After several calls I never heard from XXXX so I reached out to my friend to find out an update from him ( This friend recommended XXXX to me, very highly ). Then I got an email from my friend with the prequal approval attached and not from XXXX. WHICH SHOULD HAVE BEEN A HUGE RED FLAG. 

XXXX/XXXX/XXXX -- -Received loan disclosure package and reviewed and signed all documents and paid all fees that day Between XXXX there has been a giant lack of communication between XXXX and myself and my realtor XXXX. I would say countless phone calls from myself and XXXX along with many emails from XXXX and myself as well went unanswered for days if not weeks. Until finally it got into XXXX XXXX hands on XXXX/XXXX/XXXX. She was I guess more helpful than XXXX and I continued giving more paperwork regarding my application that the underwriter needed in my case. 

At this point in time we still do not have a definite date of closing from XXXX or XXXX and I am asking that this loan be pushed through or an explanation of why the ball was dropped on this whole case. 

I would also like for BB & T to not charge me the fees associated with the origination of this loan BC I do n't think you have earned it, or a 1 % drop in my loan whichever is greater.
Product: Debt collection

On XX/XX/XXXX I received a letter dated XX/XX/XXXX from the Financial Services Accounts Team , Inc attempting to collect a debt in the amount of {$5000.00} on behalf of XXXX XXXX XXXX. The letter stated the company accepts disputes electronically at XXXX and I must reply by XX/XX/XXXX. 

On XX/XX/XXXX I sent a dispute email to XXXX. I disputed the debt and advised the agency I was working with a paralegal with XXXX XXXX XXXX XXXX and he had forwarded my case to an attorney prior to the alleged debt being sent to their office. 

On XX/XX/XXXX I received a notification from the CRA that the Financial Accounts Service Team , Inc. added the debt of {$5000.00} to my credit file. 

On XX/XX/XXXX I sent a letter via email requesting the company remove their negative mark from my credit file and that I am reporting them for violating my rights under the CFPB, FDCPA, and FTC.
Product: Vehicle loan or lease

Well to start I came to review my car options and how they operate I had to apply before I could know which car I qualified for. I explained to the sales person I was looking at other options for cars but the sales person told me dont get a car from them just get this car I told them I wanted time to think about this but she convinced me this was a nice car and I stupidly trusted them. All I was told was how much I need down for the car and when I asked what the total amount of the car was I was told I am in a credit building program and this would help my credit misleading me. I was not given paperwork break down of what the apr was or even the finance charge when I signed my initials on the lease agreement I was given some blank command prompt to add my signature and this transferred over to the paperwork I was never given the printed paperwork until after it was already signed. The very next day of riding the vehicle there was an engine light coming on I go get it checked they say the car had a bad catylac converter and this is when after reading my car loan paperwork I was told that I have been completely overcharged for the vehicle I was financed that came with major problems. The cars value is only about XXXX in good condition unlike mine but I was sold the car for double that at XXXX the vehicle isnt even worth this price and had cosmetic damage. Then on top of this additional XXXX over the car value I was being charged a high interest rate for no reason 24.49 % and my credit was about a XXXX when I applied adding a XXXX interest on top. So monthly it says my bill is XXXX only XXXX of that goes towards the payment on my loan which they have been fluctuating monthly and the interest off XXXX goes to them which I dont understand how the interest amount changes monthly I believe I am being scammed corrupted and robbed by this company and they need to be stopped. From the car lot charging double of value to this car to the loan company having sketchy tactics since I payed my first bill the amount it went down to {$16000.00} then now two months later my balance is XXXX which I dont see how it is going up after I made payments. The signatures I made you can clearly seen were done from a computer not by hand.
Product: Credit card

A fraudulent charge occurred on my credit card ending in XXXX on Thursday, XX/XX/year> at an XXXX XXXX XXXXXXXX store in XXXXXXXX XXXX  in the amount of XXXX XXXX I filed a dispute on this charge the same day. My card was subsequently closed and a new card was issued. 

After a few days, I learned the dispute was resolved without absolving me of responsibility. I called the Citi Security team to learn the reason for this outcome. I was advised that because I have the card in my possession and it is chipped, I am responsible for the charge. 

On Friday, XXXX XXXX, I visited the three credit reporting agencies, XXXX, XXXX and XXXX websites and put a freeze on my credit. I also submitted a fraud report to the Federal Trade Commission. 

I contacted the XXXX XXXX XXXX store directly on Saturday, XXXX XXXX and spoke with XXXX XXXXXXXX XXXX XXXX but was directed to their corporate headquarters at XXXX, whom I contacted on Monday, XX/XX/year>. After speaking with XXXX ( last name unknown ) in their online charges department, I was advised that no charges online, nor in the store, have been made with my card ending in XXXX and was provided their case reference #, XXXX. I immediately contacted Citibank Security ( XXXX XXXX ) and relayed the above information to XXXX who noted my information and stated the case would be reopened. 

On XXXX XXXX, I reviewed my account online to check the status and saw no change to the resolution summary previously provided. I called Citibank Security immediately and was advised that XXXX did have the case reopened but then, yet again, it was closed without a change to the original resolution. I was then advised by XXXX that I need to make my request in writing at the provided email address. I then submitted an email to XXXX detailed this info and requested the dispute to be reopened again. However, at this point, Ive lost confidence in Citibank properly investigating and clearing this fraudulent charge. 

In addition, I have repeatedly requested from Citibank 's Security team to provide a receipt of the purchase but have not been given one. 

I did not make this charge. I did not loan my card out, or provide the number to anyone, so can only presume that previous company data breaches, a skimmer device at other stores, or other fraudulent means were taken to cause this activity. 

I now plan to file a police report on this matter, as well as file a complaint with the Texas State Attorney General 's office.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and XXXX refuse to update inaccuracies unless reported by the creditor. Incorrect non-matching data is being calculated into my credit score, which burdens me with higher interest rates.

Please immediately correct/remove incorrect name ( no middle initial ) Correct name incorrect also known as - please remove all incorrect Former - remove all incorrect previous address - remove all Non-Mailable addresses incorrect previous addresses- remove all Non-Mailable addresses remove all Nonpublic Previous employers incorrect non-matching account # incorrect non-matching date opened incorrect non-matching high credit incorrect non-matching last reported incorrect non-matching comments incorrect non-matching last active incorrect non-matching date of last payment
Product: Credit card or prepaid card

On XX/XX/XXXX around XXXX XXXX I went and purchased a prepaid bluebird card I put {$400.00} on it I get home and try to activate the card and was told I had too many accounts I called customer service ask them to close out the accounts I don't use anymore the lady said that she did and I be able to use my card right away. I'm still unable to access my card I have to wait 30 days to receive the last bit of money I have to my name I'm a single mother and I work very hard for my money. I also have a fraudulent charge that I did not do when my car got stolen which included my wallet and I have to wait 45 days for that investigation I just want access to my new card and money
Product: Debt collection

TODAYS DATE : XX/XX/XXXX ONLINE INFORMATION SER XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ONLINE INFORMATION SER XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XX/XX/XXXXSOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XX/XX/XXXX, XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX 2017 open account for XXXX to this date already pay XXXX and still have 6 payments to make which will make the total over 1000.00. can not afford to keep paying on this account and the interest is killer. need to have account closed and taking care of. feel it is pay in full. no more monies coming out. this is loan shark company and when you need help or in desperate need they are there to help but in the long run interest alone will get you on trying to pay back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Disputed These Accounts as Fraud XXXX XXXX XXXX Opened XXXX & ENHANCED RECOVERY COMPANY Opened XXXX & I would Like them to Be Removed Or Reported as Such as They Are In Violation Of 15 US CODE1681C-2 - a consumer reporting agency shall block the re- porting of any information in the file of a con- sumer that the consumer identifies as informa- tion that resulted from an alleged identity theft, not later than 4 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Consumer Financial Protection Bureaus website there is an article on loans and the differences between a retail installment sales contract and a loan. The article addresses some confusions that the credit reporting agencies have on the difference between the two the article states " A retail installment sales contract agreement is slightly DIFFERENT from a loan '' See EXHIBIT A. A LOAN is a transaction between a consumer and a bank or other lender for MONEY, where you use the money to purchase a vehicle and agree to repay the loan balance plus interest I never received any money from anyone. A RETAIL INSTALLMENT SALE CONTRACT, on the other hand, is a transaction between consumer ( me ) and the dealer to purchase a vehicle where I agree to pay the dealer over time, paying both the value of the vehicle plus interest. I have provided proof showing my transaction was not a loan but retail installment sale contract see EXHIBIT B, you can clearly see the amounts and monthly payments match from exhibit B to exhibits C and D. Exhibit C provides the inaccurate credit reporting being done by XXXX where they have mislabeled the type of transaction that occurred to an AUTO LOAN. You can see the same inaccuracy being done by Experian where they have labeled the transaction that occurred to an AUTO LOAN as well. Both Experian and XXXX are reporting inaccurate which is a violation pursuant to federal law and must delete the accounts from my reports immediately.
Product: Credit reporting or other personal consumer reports

Attention : Credit reporting agency, TransUnionDate : XXXX To Whom It May Concern, This item was purchased by a Third Party Debt Collector ( Collection Company XXXX XXXX XXXX ). This account must be deleted as the status is not correct, the amount is not correct, and the account was paid for less than owed by the Third Party Debt Collector. As you can see by my attached credit reports and highlighted issues. This information is NOT CORRECT & NOT ACCURATE. Therefore it must be DELETED IMMEDIATELY. Here is the account XXXX XXXX XXXX, Account number : XXXX, incorrect amount also. How much did the collection company pay for this item? I don't know and neither does my credit report reflect such amounts. This is a clear violation of the FCRA as this is not accurate or complete. DELETE THIS IMMEDIATELY! Thanks, My full Name is : XXXX XXXX XXXX XXXX. XXXX : XXXX XXXX XXXX XXXX XXXX CA XXXX Last XXXX SSN : XXXX
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 : XXXX XXXX Account XXXX Account Name : CXXXX XXXX XXXX  Account XXXX : has violated my rights. Or a list of inquiries : 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

On XX/XX/22, XX/XX/22 XXXX, XX/XX/22 and XX/XX/22. I asked the credit bureau to investigate items that I believed weren't reporting information at XXXX percent accuracy. As of now, I haven't received any notices from them stating that the accounts are in investigation. In my letters to the bureau I listed my reasons for disputing the information as far as incorrect amounts, dates and statuses of the accounts.
Product: Debt collection

My credit score has been declining and I have just started to actively monitor my credit through XXXX XXXX. While going through my XXXX report on XX/XX/XXXX I discovered a derogatory mark from XXXX from XXXX XXXX. XXXX XXXX claims a debt obligation of {$220.00}. I have never subscribed or interacted in anyway with this company.