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

I was charged a {$20.00} OOPS fee by Navy Federal Credit Union when according to the agreement as long as each transaction is & 5 or under then I wouldnt be charge a fee. They said I was charged an overall fee which I started to the representative that is not a customer is charged for a transaction. Each transaction has to be over {$5.00} in order to be charged an overdraft fee not charging a fee based on the total transactions. Im sure I was charged a lot of illegal fees over the years and want my account reviewed thoroughly for any wrongful fees charged to my account.
Product: Checking or savings account

***** NOTE : this complaint was originally submitted to the OCC on XX/XX/XXXX. The OCC sent it to the CFPB. The CFPB accepted the complaint and assigned number XXXX and sent to Chase. On XX/XX/XXXX, I called the CFPB asking if I could attach supporting documentation and the analyst XXXX suggested he cancel the original complaint and asked me to submit a new one with the support documentation.

***** COMPLAINT : ( 1 ) Chase offered a {$200.00} bonus to open a checking account online and make a direct deposit within 60 days. ( 2 ) The ad for the promotion ( attached ) defines direct deposit as : " Direct deposits can be an ACH credit, payroll, pension or government benefits such as Social Security. '' ( 3 ) The confirmation document Chase sent me when I opened the account ( attached ) defines direct deposit as : " Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits such as Social Security from your employer or the government. '' ( 4 ) I opened the account on XX/XX/XXXX. ( 5 ) The {$500.00} electronic deposit from my paycheck was made on XX/XX/XXXX. See statement attached showing the electronic deposit. The Statement also shows in page 2 that Chase recognized the electronic deposit as a Direct Deposit.
( 6 ) On XX/XX/XXXX I contacted Chase through the secure messaging center asking about the {$200.00} bonus. They replied that the electronic deposit on XX/XX/XXXX did not meet the requirement. I replied that the {$500.00} electronic deposit was from my paycheck. I own a XXXX XXXX XXXX, XXXX XXXX XXXX. I am paid a monthly salary of {$5000.00} from the company. In XX/XX/XXXX, I requested that {$500.00} of my paycheck be deposited in my Chase checking account to meet the promotion requirement. I sent Chase copy of my Articles of Organization, IRS letter approving the classification of the company as an XXXX, and a copy of my paycheck. Today, XX/XX/XXXX, Chase replied that they are not going to honor the promotion. According to them, the {$500.00} deposit was not a direct deposit. I disagree. ***** ATTACHMENTS : ( 1 ) Copy of the ad with the terms of the promotion and defining what is considered an electronic deposit. ( 2 ) Copy of document confirming the terms of the promotion. ( 3 ) Articles of Organization for XXXX XXXX XXXX. ( 4 ) Letter from the IRS approving the classification of the company as an XXXX. ( 5 ) Copy of my paycheck. ( 6 ) Bank Statement from XXXX XXXX XXXX business checking account at XXXX XXXX XXXX XXXX showing the {$500.00} electronic deposit into my Chase Checking account on XX/XX/XXXX. ( 7 ) Bank Statement from my personal Chase checking account showing the {$500.00} electronic deposit on XX/XX/XXXX ( within the 60 days timeframe for the promotion ). Page 2 of the statement recognizes the {$500.00} as a Direct Deposit. ( 8 ) Exchange of emails with Chase Customer Service trying to resolve the issue.
Product: Debt collection

I received notice of right to dispute a debt. I sent the collection agency to give me more information about the debt being in question. I sent the letter by registered mail via USPS ( XXXX ) and never got a response from the collection agency, the information i requested for. Per USPS, the collection agency did receive the letter on Monday XXXX XXXX, 2016. But the collection agency acted as if they did n't get any response from me. After a month or so I received another letter to pay the debt since it is delinquent. The communication tactic they are using is very subtle to force me pay the debt i am disputing and requested for more information. 
For your information I did n't have any information about this debt until i received a notice of right to dispute. The Company who thinks that they have money from me supposed to contact me before they send me to the collection agency.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX, we participated in a XXXX way call that paid off a XXXX truck payment ( almost XXXX ) to XXXX XXXX. The buyer gave his banking information and permission for a XXXX time non-reverseable payment. Fifth Third told us the account would close when they received their money. The next morning when we called the bank to verify receiving funds. They said the balance was XXXX. We called several more times that day and the last time we called our account was closed ( we have this recorded ). With the account being closed, we arranged and exchanged the truck at a gas station in XXXX, Georgia. 
On XX/XX/XXXX the bank called us for a late payment. We thought it was a scam and told them we do not even have an account with them any longer. Upon calling them back, we were told the guy reversed the payment on XX/XX/XXXX. 
We have filed a police report for a stolen truck since the buyer is not answering ( he did on XXXX but said he was in a meeting ) in XXXX XXXX Alabama and XXXX Georgia.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> at XXXX I made a money transfer with TransferWize for $ XXXX, and was told I would receive my money in seconds. From seconds it went to about XXXX different times to the next day, which it today, XX/XX/year>. XXXX  it says at XXXX : XXXX, then XXXX, then XXXX to XXXX : XXXX to on hold. 

I called at XXXX on XX/XX/year>, then at XXXX. and got XXXX different reasons why Im not receiving my money and that they were working on it. Ive had this problem with them several times and now Im making a formal complaint.
Product: Credit reporting or other personal consumer reports

These four Accounts on my Credit Report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Have been reported completely inaccurate as shown in the screenshots. These 4 inaccuracies reporting late payments and negative information has dramatically affected my ability to get approved for mortgages and credit.

I want these 4 erroneously reported accounts removed from my credit report.

Per FCRA 15 U.S. Code 1681n, these are violations that entitle me to compensation, up to {$1000.00} per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax has XXXX  XXXX  as open negative?
Product: Checking or savings account

I had a savings account that was transferred to Capital One through another banking company when it was purchased or taken over not sure, I was under the impression my interest rate was between 4 % and 5 % somehow they change the account to a low interest savings account without my knowledge, between XXXX and XXXX I averaged a balance of around XXXX XXXXXXXX {$40000.00} but only collected 0.30 % it should have been closer to 4 %, When I finally discovered this approximately 2 years had passed and I transferred the money to their highet yield savings account
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts on my credit report, and I have no clue why they're there. I check my credit regularly, and everythings been fine until nowthese discrepancies just appeared out of nowhere. I even refreshed my browser thinking it might be a glitch, but the false accounts stayed put. Now, Im deeply concerned and asking that the documents Ive sent be thoroughly reviewed, so I can put this worry behind me once and for all.
Product: Mortgage

We closed on a Mortgage with XXXX XXXX XXXX XXXX XXXX XXXX  on XXXX XXXX, 1999. It has been brought to our attention that we were given false Title Insurance Papers fromFidelity National Title Insurance . They did not do a title search on property .
Product: Credit reporting or other personal consumer reports

In reviewing my records for XX/XX/2023, you are reporting I was 30 days late. 
This is not correct. In XXXX I was released from the XXXX and paid the bill immediately. I made the payment exactly 10 days after the due date NOT 30 DAYS.
Product: Credit reporting, credit repair services, or other personal consumer reports

WF In XX/XX/XXXX I ordered and received my Consumer Comprehensive File Disclosure Report from XXXX XXXX XXXX. The report indicated the existence of an account at Wells Fargo that I was previously unaware of, so another unauthorized account at Wells Fargo. Account information is as follows : Routing : XXXX Account : XXXX As indicated by the attached report, the account was seemingly opened in XX/XX/XXXX and is still operational, or at least was as of XX/XX/XXXX, with transactions continuing during the time I was XXXX in GA from XX/XX/XXXX to XX/XX/XXXX. The annual cash flow through the account is over {$1.00} million. Wells Fargo denies me access or even statements for this account and goes as far as denying its very existence.
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 XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute with IQ Data regarding my ownership of the XXXX account ( now showing I owe {$1100.00} ) several times. I was not made aware of this account by the landlord and did not receive anything in the mail letting me know anything would be escalating to collections in 3 years before this showed up on my credit. I never received an itemized statement of my charges- or photos showing proof of any damages along with the itemized statement that never came. When I reported to XXXX for the second time to get this removed from my report, the charges were dropped off- but then appeared again and with a different amount. Every so often a XXXX or so gets added to my charges for XXXX ( and IQ data is overseeing my collection for another property which is interesting ) so they can keep adding to my report. They are also not doing their due diligence to follow up with the other person who is supposed to be on the joint account and only contacting me during my work hours. They have removed this account from the other person who had JOINT responsibility, but not from my credit. This needs to be removed. There is no proof of charges, there was no contact made so I could dispute before this hit my credit, and now they are not reporting accurately.
Product: Debt collection

Attempted to make pays, but could not pary the amount they wanted. XXXX dollars a month, They would not accept the amounts I was able to pay around {$100.00} a month. They would not accept anything less than $ XXXX {$600.00}. They threatened to sue for the amount and threatened credit. After it was turned over to collections I was able to work with them and make payments. With an interest rate so high, barley any gets paid on the actual loan itself.
Product: Credit reporting, credit repair services, or other personal consumer reports

These fraudulent accounts are reporting on my credit report XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX XXXX, XXXX, I received my tax refund check after going through various identity verification requests from the IRS. I made XXXX wire payment to my grandmother to repay a loan, withdrew {$500.00} from the ATM and went into my local branch office to get a cashiers check to buy a car before my car that I am renting was due on XX/XX/XXXX. I was told that my transaction request was denied and to call customer service in 24 hours. I called my bank 's customer service as directed and was told my account is under review until further notice, I can not access any funds, there was no comments on my account to explain why my account is under review, and there is no expedite date to process my claim.
Product: Debt collection

This company National Revovery Agency is trying to collect a debt that they claim that I oue them in the amount of XXXX and are reporting such debt to my credit reports, also the debt they they say I oue them is not legally collectible because the statute of limitations on this claimed debt has expired in my state of Florida, I called them and spoke with them back in XXXX and they told me that they can still collect on this so called debt I oue them and report it still on my credit reports even past the legal statute of limitation for collection efforts I dont know this company and according to 15 U.S.C 1681 section 602 A. States I have the right to privacy. And according to 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, Ive never given them consent to that nor have I ever done business with this company
Product: Debt collection

I am in receipt of Portfolio Recovery Solutions letter informing me that they are handling the collection of the account # XXXX for {$400.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Portfolio Recovery Solutions & myself, legally listing you/your company as a person/company entitled to enforce a commercial claim against me. I mailed & faxed a letter on XX/XX/2023 demanding verification and validation. This was a demand for proof of contract to substantiate Portfolio Recovery Solutions claim. I legally demanded you/your company to provide me with a certified copy of an original contract, BEARING MY WET SIGNATURE, specifically naming the above company as a person entitled to enforce a commercial claim against me. My legally demanded requested information was ignored ( although given 30 + days per the FCRPA ) and Portfolio Recovery Solutions continues to report this fraudulent and unverifiable item on my XXXX, XXXX and XXXX reports. Portfolio Recovery Solutions has yet to provide a underlying credit agreement, no proof of ownership and provided no legal basis to report " late payments '' or any information to consumer reporting agencies. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 PORTFOLIO RECOVERY ASSOCIATES added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contact, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, PORTFOLIO RECOVERY ASSOCIATES has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Checking or savings account

I filed for Chapter XXXX Bankruptcy on XX/XX/XXXX. My Chapter XXXX Bankruptcy case was discharged on XX/XX/XXXX in the United States District Court District of Minnesota Bankruptcy Court. The debt I owed. TCF Bank was discharged in bankruptcy court. TCF Bank is discriminating against me and wont allow me to open up a checking account or apply for other TCF Bank products or services due to me having a previous debt with TCF Bank that was discharged in bankruptcy court under Chapter XXXX. TCF Bank is discriminating against me based on my race as well, me being XXXX XXXX XXXX XXXX ). TCF Bank is denying me credit and an opportunity to reestablish my credit. TCF Bank is in complete violation of the XXXX Equal Credit Opportunity Act ( ECOA ) under federal law. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX
Product: Credit reporting or other personal consumer reports

Ive accessed my credit reports from all three bureaus and I noticed discrepancies on my report via XXXX  XXXX, Last payment date is reporting different credit amounts, date of last payment also reporting different dates, monthly payment is unavailable with XXXX bureaus and a {$0.00} balance with another bureau, also no. Of monthly terms is reporting inaccurate as well, it also shows different high credit amounts XXXX reporting XXXX Experian reporting invalid date, XXXX is reporting XXXX. The no. Of months terms it shows revolving for XXXX bureau such as Experian, invalid for XXXX, and monthly for XXXX which is inaccurate information. revolving does not mean monthly so which is the correct information about this account with the credit bureaus which are considered discrepancies and I demand it be removed from my credit reports immediately. Ill add attachments below please take a look youll see my correct address including unit number, and name. There are so many errors many differences reporting to each bureaus According to the FCRA The US code for reporting inaccurate information on credit reports is 15 U.S. Code 1681, which is part of the Fair Credit Reporting Act ( FCRA ). This statute outlines the procedures for disputing inaccurate information on a credit report and the responsibilities of credit reporting agencies to investigate and correct errors. Individuals can dispute information on their credit report if they believe it is inaccurate Which is inaccurate I cant pay the last payment to this company on different dates, it cant be reporting different information to the credit bureaus. This account also attached a pieces of mail in previous complaint with the incorrect address I do have an apartment number on my drivers license, with my bank account, also any form of utility/bill XXXX own.This company is violating my rights they have no right to furnish me nor my information inaccurately. It also states If a consumer notifies a furnisher that specific information is inaccurate, the furnisher can not report that information if it is indeed incorrect. Which means it needs to be removed from all three bureaus.
Product: Credit reporting or other personal consumer reports

I was completely shocked to find inaccurate accounts on my credit report this morning, and I have no clue how they got there. I routinely check my credit report, but this time, these errors just appeared out of nowhere. I even tried refreshing my browser, thinking it might be a glitch, but the incorrect accounts were still there. This issue is incredibly stressful, so I urgently request that the documents I've provided be reviewed thoroughly to ensure I dont have to worry about this again.
Product: Bank account or service

Commerce bank the lender for a buyer has required the Seller to transfer ownership in an LLC as a requirement for the Buyers loan prior to the lender funding the transaction. This highly unusual and unprofessional requirement is predatory at best and puts the Seller at unnecessary risk.
Product: Debt collection

I just checked my credit reports and see this collection that reported on XX/XX/XXXX. I have recently been discharged from chp XXXX and all my accounts were included and on my credit report in the comments on this collection account it clearly states account in bankruptcy ... .I want it removed immediately it is false and the account was paid I was discharged from Chp. XXXX on XX/XX/XXXX and all my accounts were paid off and I need this account off my credit report within the next week ...
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXXXXXX {$0.00} These credit accounts are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Connecticut XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report. My name is XXXX XXXX and I have identified several discrepancies in my credit history that require immediate attention. 

Firstly, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX have all made inquiries on my credit report which have reached the statute of limitations. Therefore, I request that you remove these inquiries from my report immediately. 

Secondly, I have identified several accounts on my credit report that I have no recollection of belonging to me. These include account numbers XXXX with XXXX XXXX XXXX, XXXX with XXXX  XXXX, XXXX with XXXX XXXX  and XXXX with XXXX XXXX. As I have no knowledge of these accounts, I ask that you remove them from my credit report as they are frivolous and inaccurate. 

I am eager to restore my credit score and hope that you will take immediate action on this matter. I appreciate your prompt attention to this issue and look forward to hearing from you soon. 

Sincerely, XXXX XXXX