23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Was attempting have annual membership fees removed from a credit card and then canceling the card. After completing a payment to bring, what I thought was the balance to zero, they attempted to keep the account open and persuade me to stay with them by offering miles and additional membership perks I dont recall. 
When I turned down the offer they, went through the process of canceling the card. 

After completing the close questions. I asked so what happens to the membership fee now that we cancelled. I was told that because it was beyond 30 days I could not receive {$95.00} dollars back and if not paid it would incur late fees. Why was I not told this before canceling the card? I communicated to them this was the reason for the call. Why would I cancel the card in month 2 if I paid {$95.00} or knew I could not get it back? 

Then they told me there was nothing the rep could do and that I would receive a managers callback the next day. I did not hear from anyone for a week. Today when I called back in I was told an investigation into the matter would occur and it may or may not be successful and payment would still be due. How is this fair. I was with that company and maintained a line of credit for 24 years. I was insulted, tired of communication promises not being kept and made payment.
Product: Checking or savings account

{$280.00} dollars were taken out of my account via an ATM in a different city than mine.
Product: Mortgage

XX/XX/XXXX company sent school tax payment to incorrect address ( clearly marked on letter address had changed XX/XX/XXXX payment returned to company XXXX issued escrow surplus check to me XX/XX/XXXX contacted company to inquire about payment, no correspondence ever received about missed payment XX/XX/XXXX I made/return payment to company to re-issue payment. Company to make payment by XX/XX/XXXX in order to not incur additional interest charges XX/XX/XXXX company withdrew funds to make payment XX/XX/XXXX funds returned. Advised by company that I would not be liable for any charges/late fees as they acknowledged wrongdoing XX/XX/XXXX company issued payment from escrow account + {$600.00} worth of late charges, fees due school XX/XX/XXXX company advised they would look into XX/XX/XXXX advised they will do escrow assessment as my account is deficient. Regarding incorrect payment of late fees, etc. from my account- under review and will be decided after assessment. 
All of this without any correspondence from the company that the school payment had been returned/not paid. Instead check sent to me as a " surplus ''. 
Company incorrectly report late payment in XX/XX/XXXX Applied for forbearance in XXXX, highly pressured to sign documents the day before mortgage rates dropped and covid related forbearance went into effect, Forcing my interest to increase and payments to increase.
Product: Debt collection

LVNV FUNDING LLC # XXXX THIS INSTITUTION IS REPORTING NEGATIVELY ON MY CREDIT REPORT! 
I DO NOT OWE THEM, I HAVE NEVER SIGHNED ANY AGREEMENT, PROPOSAL, OR CONTRACT WITH THIS INSTITUTION! I AM DEMANDING THAT THEY EITHER SHOW ME AN ORIGINAL CONTRACT SIGHNED BY ME OR IMEDIATELY REMOVE THE NEGATIVE ACCOUNT FROM MY CREDIT REPORTS!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reviewed my Consumer Reports and noticed that I had a late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Sheffield Financial Co-installment loan-acct # XXXX.
Product: Checking or savings account

On XX/XX/year> I received an email from Chase Bank stating : XXXX XXXX XXXX : At Chase, were always working to keep your money safe. Due to recent activity, or because we need more information from you, we have restricted your account ( s ) and may need to close it if we dont hear from you soon. This includes your account ( s ) ending in : XXXX XXXX We understand this is inconvenient, but protecting against fraud is a top priority. 

Please act quickly to better understand the restriction on your account you may be able to provide the information needed to keep it open. 
Heres what you should do Please call us at XXXX soon to see if we can address the issue. You can also call the number on the back of your debit card or on your account statement. We look forward to speaking with you. If weve already spoken and resolved this, you dont need to do anything else. 
While the account is restricted, heres what to expect You cant withdraw money or make purchases. 
You wont be able to sign in to chase.com and the Chase Mobile app.1 We may reject direct deposits and automatic payments, so please notify companies that send or receive these transactions. 
We may not honor checks associated with the account. 
If we close the account and there is a remaining balance, well send you a check by mail to the address on file. You should also destroy any checks and debit or ATM cards associated with the closed account. 

We apologize for the inconvenience, and we urge you to contact us as soon as possible. Thank you for your prompt attention to this matter. 

Sincerely, Customer Support Team After receiving this email I immediately contacted the bank and they stated that the " back office '' is investigating my account and because of that they froze all my funds, locked me out of the app and said that they were going to close my account in ten days and " send the reminder of my funds to my via cashier 's check ''. I asked why and they said that they didn't have any information available, then they stated has a bank they can do this at anytime and there's nothing I could do. They said they would send me a letter that would explain why but the letter is stating only what I was told by the representatives and supervisors with no other explanation. I researched to see if I was the only one that this was happening to ; however, I found out that they are doing this to thousands to people and a lot of people have been waiting months to get there funds back, many are not receiving any of their funds back ... .... I should have a little under {$1500.00} in my account. I just got paid from my job a few hours before they did this to me. This is not right and should be illegal and considered fraud. I work hard for my money and deserve to be able to pull my funds out but no one from Chase is helping me. PLEASE HELP
Product: Credit card or prepaid card

I have a credit card with Bank of America. I scheduled an auto-payment and received a confirmation that payment would be made on XX/XX/XXXX. However, I then changed the auto-payment options from minimum payment to the full balance due. On XX/XX/XXXX, I notice no payment had been made and called Bank of America. They explain that changing any auto-payment option cancels that month 's payment entirely, with no alert or notification while continuing to say that auto-payment is set up correctly. 

Essentially, they have intentionally set up their system to dupe customers into thinking auto-payment is engaged, causing them to miss payment dates, and to extract late payment fees.
Product: Debt collection

In XX/XX/2017 my car loan was purchased by Pinnacle Financial. My car has a fail switch so my original contract doesn't contain any late fee amounts. I noticed that this company had been charging me late fees. I questioned it but they ignored my questions. They also have admitted taking payments out of my account illegally. Most recently I made several inquiries to obtain a print out of all payments and late fees collected from the account on file. They have blatantly ignored my many requests. The representative that was managing my account had tried to send me a screenshot but I needed something more professional on company letter head for my mortgage lender. I believe that this company is fraudlently charging me. I would like them to supply proof of what I have paid to date as well as proof that they now hold my loan and how many payments I have left. I would also like a refund of the late charges.
Product: Checking or savings account

America First is making all members to enroll in " Premier Checking ''. They are charging {$6.00} a month for this and all members who don't want it have to go into a branch to opt out. During a pandemic? This is ridiculous! No one should have to risk their life and well being to opt out of a service we never signed up for.
Product: Credit reporting or other personal consumer reports

I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. My distress arises from the fact that I HAVE BEEN A VICTIM OF IDENTITY THEFT, A CRIME THAT HAS INFLICTED SEVERE EMOTIONAL AND FINANCIAL TURMOIL UPON MY LIFE. YET, YOUR BUREAU 'S RESPONSE, OR RATHER THE LACK THEREOF, HAS DEMONSTRATED A SHOCKING DISREGARD FOR THE URGENCY AND GRAVITY of my situation. Let me be unequivocally clear : I WILL NOT TOLERATE THE APATHY AND INDIFFERENCE I HAVE ENCOUNTERED THUS FAR. As a victim of identity theft, I have been subjected to unauthorized accounts and transactions that have marred my credit profile and compromised my financial stability. The consequences have been dire, affecting my ability to secure loans, mortgages, and even employment opportunities. XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX. Please delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account listed below, the date where it shows that I am late in making my payments was an error. I have not received any billing information from them or any notification stating that I am late. I have reached out to both Bureaus and the furnisher but I have not received any forms of response from both parties. Thus, I am sending this complaint to seek help and assistance for me to have this account updated into positive and remove all the late statuses. 

XXXX  XXXX XXXX XXXX {$60.00}
Product: Credit card

There was a negative balance in my account 's Cash Back, and after calling customer service, they agreed that the issue was caused by the bank mistakenly deducting the Cash Back. 

On XX/XX/XXXX and XXXX, there were two {$150.00} refund transactions, and the bank deducted three times the amount of Cash Back, even though I initially only received one-time Cash Back. After the customer service representative submitted a request on my behalf, I received a letter from Bank of America stating that the deductions were correct.
Product: Vehicle loan or lease

I bought a car in XX/XX/XXXX from a company called XXXX.in XXXX, Ga and paid it out in XX/XX/XXXX., so XX/XX/XXXX XXXX was bought out by a company called XXXX XXXX XXXX in XXXX , fla . so XXXX XXXX XXXX says in order to get the title I have to pay them {$1400.00} for the title because I leased the car from XXXX., so they want to charge me what they called resiual fees. there phone number is XXXX customer services. XXXX XXXX XXXX XXXX XXXX XXXX, Fla XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On or around XXXX of XXXX COLLECTION MANAGEMENT CO placed a collection account on my consumer report. Listed below is how it appears on XXXX report : Account info Account name COLLECTION MANAGEMENT CO Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, 180 past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1100.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$1100.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX I do not recognize this account. 
I have never conscented to do business with Collection Management Co. 
Collection Management Co has no permissible purpose to even has access to my consumer report.

I challenge the validity of this debt.

Collections Management Co has failed me my right to dispute the inaccurate account as they have never mailed any letter stating the right to do so.
Product: Credit reporting or other personal consumer reports

Navy Federal Credit Union denied an increase in my credit limit due to information provided my XXXX credit services that was inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously tried corrrecting the issue with the company XXXX XXXX XXXX XXXX XXXX- however they only show to have XXXX   out the balance not clear it. I have tried to dispute the info with TransUnion and they have yet to return with info.
Product: Credit reporting or other personal consumer reports

Equifax, refuses to delete inaccurate information. They are reporting a fraudulent account in XXXX XXXX XXXX this account was deleted from transunion and XXXX because it was fraudulent. XXXX XXXX XXXX is showing XXXX POTENTIALLY NEGATIVE MONTHS which is a clear violation of my consumer rights. this account should be delete asap. in addition, all accounts are showing multiple infractions as far as reporting false information like latenesses.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX {$XXXX} XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I noticed another account on my report i do not recognize. XXXX XXXX XXXX for {$2000.00} opened in XXXX  I have disputed with XXXX Experian and XXXX XXXX to no avail I have supplied ftc report to support my claim Please remove this account immediately
Product: Debt collection

I contacted the debt company and the credit bureaus a week ago to tell them the accounts were fraudulent accounts Acct XXXX Debt solutions ( XXXX XXXX XXXX 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 disputed a collections account on my credit report that is not mine. I uploaded documents showing information from the supposed creditor that I do not owe anything as they do not have me on their records what so ever. I have proof I have never left XXXX. The debt collector doesn't even have my correct address or spelling of my name but they keep saying the information is accurate and the debt is mine. If they did proper investigating they would find I have nothing to do with this collection and it is fraud. There are tons of complaints from others on XXXX reviews stating XXXX has done the same exact thing to them.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX. I have not initiated any transaction with your COMPANY. Furthermore, I do not have an account under 15 U.S.C. 1693a ( 2 ) with yor company for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Email : XXXX Phone : XXXX Date : XX/XX/XXXX CFPB Complaint Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, D.C. XXXX Subject : Complaint against Experian for Inaccurate Bankruptcy Information on Credit Report Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding an inaccurate bankruptcy entry on my credit report that has not been resolved despite my attempts to have it corrected. Below are the details of the dispute : 1. Company Information : Company Name : Experian Company Address : XXXX XXXX XXXX XXXX, TX XXXX Phone Number : ( XXXX ) XXXX ( Experian consumer service ) 2. Nature of the Complaint : I am disputing the inclusion of a bankruptcy on my credit report that was filed with the { XXXX XXXX  XXXX } . The bankruptcy was reported under reference # { XXXX } and listed the date of filing as { XX/XX/XXXX } Court # ( XXXX ). I have received a memorandum from the original creditor confirming that they have not sent any information regarding this bankruptcy to the credit bureaus. 
According to the Fair Credit Reporting Act ( FCRA ), specifically Rule 623 ( a ) ( 5 ), the original creditor is required to submit accurate and verifiable information to the credit bureaus. The information regarding the bankruptcy is therefore incorrect and must be removed because the original creditor has stated they never reported it. This violates both the Fair Credit Reporting Act ( FCRA ) and the provisions of 15 U.S.C. 609 ( a ) ( 1 ) and ( 2 ).

3. Actions Taken : On XX/XX/XXXX, I sent a written dispute directly to Experian requesting the removal of the bankruptcy from my credit report, citing the memorandum from the original creditor confirming they did not report this bankruptcy. I attached the memorandum as supporting documentation.

4. Impact on Me : The bankruptcy that appears on my credit report is erroneous, and it has negatively affected my credit score and my ability to obtain credit. The continued presence of this inaccurate information is causing harm to my financial well-being.
Product: Bank account or service

Called bank to get acct info.employeeXXXX XXXX read off routing number very fast she was about to hang up I said wait ca n't I read the numbers back? I read the numbers back. She said that 's not what I told you. She read the numbers off again. Then hung up. I called back. Asked if I could have my acct #. She said no I would have to come in. I told her I just got out of the hospital could n't I be asked my personal info that no one knows but me? she told me no and hung up again. I get out of my sickbed, go to the bank and asked to speak to a supervisor. She said I am the supervisor. I explained that she was very rude on the phone to me. She started smirking at me like this was a joke. I asked her do you think this funny? why are you smiling this is not funny. There was another teller there she saw the whole thing. This is not professional and I will not be treated in this manner. As soon as I am well I will be closing my acct. And family members that bank there are going to do the same to support me
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX allowed fraudulent transactions and charges repeatedly throughout year XXXX. All credit bureaus are reporting against XXXX police report XXXX and other evidence of the unauthorized fraudulent transactions and charges