23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

JP Morgan Chase Headquarters XXXX XXXX XXXX. 
New York, NY XXXX Dear sir, I have decided to write a letter to ask one question on my email address, XXXX, on XX/XX/year>. Your email notified me that I have requested to locate some transaction on my Chase credit card ending XXXX. Since last summer, I had several issues with your bank on my credit card. I was illegally charged, and the cards are replaced several times. I believe I did not receive a new card once. Therefore, I am on check whether it is safe to use your bank credit card. Then, as I stated in the letter of yesterday, I received an email to my XXXX account, which I was not clear whether to be registered into the bank website account. Today, I received another letter, which tells above mentioned questionable information of transaction, I checked my account online and found out XXXX email address, therefore I deleted it. Also, I checked the telephone numbers. I tried to delete XXXX, which I do not use anymore. The concern is the number XXXX. Clearly, I do not recognize this number. I have never used and got this number in the United States and globally. It is different with my husbands telephone number, XXXX. Therefore, I would like your company to delete this number, XXXX. Since I am a victim of fraud, I request your company to investigate why this number, XXXX was added into my private and personal account online. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Transunion, and XXXX has violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

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

These addresses do not belong on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I sent a XXXX payment of {$1000.00} through my Bank of America app. I noticed after I sent the payment that my intended recipient didn't get the monies. Thus, I went back into the banking app and noticed that my phone had inadvertently put in a different digit into the phone number than that of the intended recipient. So, as a result of this one digit error, the monies got sent to the wrong recipient. Upon realizing this, I looked for a " cancel transaction '' option as laid out in the XXXX website, but found that Bank of America did not have this option. I requested the monies back from the mistaken recipient, only to be lied to and told by said recipient that they do not have or use XXXX ( which is a clear lie as the recipient 's name popped up on the XXXX transaction ( which wouldn't populate if the user were not registered on the platform ) and feigned ignorance. I called Bank of America and was told that because it is a authorized transaction, there is nothing that they can do. How is it that a platform that a financial institution " owns '' and utilizes for their customers does not offer any protections or recourse for transactions that have been done in error? I don't think XXXX should be allowed or they should at least protect the consumer by allowing for clawbacks of funds sent in error. Why should someone gain so much from someone's mistake?
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and dissatisfaction with your continued failure to address and rectify the inaccuracies on my credit report. Despite my previous dispute letters and clear evidence provided, the negative items remain erroneously reported on my file. This lack of action demonstrates a significant level of incompetence and unprofessionalism on your part. 

It is particularly concerning that XXXX, another major credit reporting agency, does not report any negative items under my credit file, highlighting the discrepancies and errors in your reporting. This inconsistency not only damages my creditworthiness but also undermines the integrity of your services.
Product: Mortgage

Applied for a Mortgage loan with Manhattan Financial Group got approved with a loan account number XXXX, paid 1st Payment on XX/XX/2016 for a due date of XX/XX/2016. They sent a letter stating that my loan has been sold to new lender XXXX home loans on XX/XX/2016 and the XX/XX/2016 payment should go to the new lender and not to them. My check to Manhattan Financial Group was cashed by them on XX/XX/2016. They are obligated to send this money to new lender instead they kept this money with them. I sent several mails with no response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to remove from credit report after being sent documentation on XX/XX/XXXX from company and myself
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 which states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 received credit report alters from All 3 bureaus alerting me to a new collection tradeline. 

Upon further inspection, none of the reports contained any information other than : date of entry, name of collection agency ( XXXX, and dollar amount {$750.00}. 

I received nothing in the mail. No notice. No debt validation, or anything. 

Upon further review, this company tries to collect on out of statue debts, debts already paid, and debts they dont own.
Product: Credit reporting or other personal consumer reports

There is a negative account on my credit report that only appears in the TransUnion credit report. This account resulted from identity theft, and I have filled out the identity theft affidavit with the FTC. I disputed this fraudulent account with TransUnion in XX/XX/2023. They failed to respond within the legal timeframe of 30 days, and when I requested the method of investigation, they also did not respond. 

I filed a complaint with the CFPB and the Attorney General about this violation of my rights. Eventually, TransUnion removed the fraudulent account from my credit report. However, after XXXX month, the account reappeared on my credit report. I disputed this account with TransUnion again, but, like before, they have not responded to my communications. 

Each time, I have provided all necessary documentation for TransUnion to verify my identity, including my driver 's license, social security card, and a bill statement to verify my address. Despite this, they refuse to communicate with me or show any cooperation in removing the fraudulent account from my credit report. This negative account only appears in TransUnion and has caused me significant stress and mental anguish while TransUnion clearly violates my rights. 

Here is the fraudulent account information, and I have attached all my communications with TransUnion regarding this matter : Creditor : XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

To whom this may concern, I am attaching an updated FTC report created today containing XXXX fraudulent accounts XXXX fraudulent inquiries along with a fraudulent address to be blocked removed deleted under FCRA 605B! XXXX XXXX had alerted me in an older FTC report that they were unable to open XXXX files which contained my Drivers license and social security card. Being that is of great importance to move the process further I have figured out the problem on my end and will be attaching all the necessary documents to process further into a resolution. I do apologize for the mishap on my end as I hate going in circle as Im sure you do.
Product: Credit reporting or other personal consumer reports

The following accounts must be deleted as they were opened without my consent. 

I have attached the ID THEFT reports for all of them. That is enough evidence proving they are not mine. 

They were opened without my physical signature. They were opened in a state I do not reside in. They were opened with an address I do not live at. 

Please delete these accounts because you are reporting fraudulent accounts on my credit report that are hurting my credit worthiness to be approved for lines of credit or buying a house. 

XXXX - ACCOUNT NUMBER XXXX XXXX  - ACCOUNT # : XXXX XXXX  - ACCOUNT # : XXXX
Product: Debt collection

I had 4 accounts with TD Bank. 2 were business and 2 were personal, with credit and debit for each. 48 hours after I made an early payment on the personal credit card that was in perfectly good standing, thousands of dollars away from my credit limit, my card was declined. I called to inquire only to find out that they had reportedly thought I was deceased. This is nonsense since I had 4 accounts and only one was closed. I called numerous times about the problem, was advised to go to the branch, which I did, but never received any sort of reasonable answer. They told me repeatedly that they would be in touch within 5-7 days. They said that several times before sending the account, the account that was in perfectly good standing, never late, to debt collections. I spent many hard years building my credit so this is an assault on my entire person. I was flabbergasted when I got a letter from a collection agency. However, I settled the debt with the collection agency in order to move on with my life. Within 48 hours of settling this debt, TD had miraculously REACTIVATED the card that they had heretofore refused to even discuss with me, and I only noticed because an automatic payment from XXXX that I had forgotten to switch to a new card all of a sudden went through. Now, I was able to log in to the TD account that I thought was settled. They had refused to give me an answer as to why one account and not the others was canceled, they had refused to correct the mistake, they sent the account that was in good standing to collections, then after I paid collections they turned the account back on. I feel like I am going crazy, but I have proof of everything. On my way to the branch now, almost two months after this began. There is no happy ending because I am still dealing with this. I watched them physically shred my card and now I am attaching evidence that my card was reactivated after being settled, shredded, and supposedly cancelled with the rest of my accounts, all while it was in good standing. Then after settling with collections, they pretended nothing had happened and turned the card back on, with my account showing late fees and the same nearly almost {$10000.00} balance I had settled. That's called fraud where I come from, which incidentally is the same planet on which TD is based.
Product: Credit reporting or other personal consumer reports

Despite my repeated efforts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue persists. These items have had a profound impact on my life, leading to significant stress and XXXX I want to emphasize that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.
Product: Credit card

In XXXX of XXXX, I went into an agreement with a merchant to render marketing services for my agency. The client started on projects and never entirely delivered one time. I expressed my concern to the merchant, and there was no rectifiable solution. I disputed the claim with Capital One who claims that the merchant did work for me after submitting evidence of the merchant admitting that nothing was completed of the scope of the work. I was told that unless the merchant shows a voucher for the amount of the work that was completed, Capital One will deny my claim even though evidence shows that the merchant had not completed any of the requirements and admits fault in the email evidence I provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed some inaccurate information on my credit profile. It is not mine please DELETE all inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly that I am 60 days past due on XXXX/XXXX - partial account number XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit card

In XX/XX/XXXX, I purchased personal items from Macy 's for {$68.00}. The clerk provided me the information of the Macy 's credit card to get extra discount, so I though why not and let her fill out the form. However, the address she typed into the system was WRONG, and she claimed that it couldn't been adjusted. Therefore, I required her to NOT OPEN the card. She did not know how to process it so she went for management level for help. Eventually they told me the card has been closed so then I left. One or two months later, I received calls from a collecting company saying I have unpaid debt ( {$68.00} ) for Macy 's and I did not take it seriously because even the staff in Macy 's told me it was fraud. Not until FOUR months later, I confirmed the legitimacy of if and paid the {$68.00} on XX/XX/XXXX, and I also made several calls to Macy 's and the collecting company to make sure the card is CLOSED SUCCESSFULLY. 

Please kindly review the case and withdraw the punishment for credit score due to Macy 's mistake. 

Thank you.
Product: Checking or savings account

I noticed that my transactions were being reordered in the past  two  months (  XXXX  and  XXXX   XXXX , as well as I was being charged RIDICULOUS overdraft fees. Not only are these overdraft fees charging me {$35.00} dollars for a {$2.00} charge that keeps being debited from my account just so the bank can charge me  XXXX  dollars again, then  XXXX  dollars, then {$100.00} and {$170.00} dollars in overdraft fees.     TD bank has reordered my transactions to make it look like I did not have funds in my account in order to maximize their ability to charge me overdraft fees. For example, on a day where I was in overdraft by {$4.00}, I made a direct deposit of {$300.00} to get out of the overdraft. However, on my TD banking portal, it reordered my transactions to seem as though I still had a negative balance when I used my card after the deposit cleared the negative balance, and I was charged  XXXX  dollars in overdraft fees MULTIPLE times.     These overdraft fees are not warranted given that they were " posted '' to my account during circumstances I knew I had funds in my account because I had made a deposit that same day, and were being posted about transactions that did not actually occur on those days. Even on days that I had made a deposit and was in the positive, I was still charged unfairly.     In   XXXX   alone, banks took in over {$32.00}  XXXX  dollars in overdraft fees. Additionally, TD bank has been sued in the past over such overdraft fees and reordering transactions, but it is very apparent that this behavior is continuing. This is truly outrageous that TD is purposely reordering transactions and charging all of these overdraft fees without my consent and without even notifying me of being overdraft to begin with. There was not even ONE time I received a notice via phone nor mail about being in overdraft.       Through my online banking portal, I sent a message to TD bank detailing my issue in  XXXX , and they took a week to get back to me even though they guarantee a response within  48  hours. I called TD bank today,  XXXX   XXXX , to dispute these charges. I opened my bank account i  XXXX   XXXX   XXXX   XXXX   XXXX , where there are several  TD  bank branches, but I currently attend college in  XXXX  Washington state, where there are  XXXX   TD  bank branches. Thus, I did not have the accessibility of a branch to go in and talk to a representative. When I did call TD bank, a customer representative told me that out of the total {$940.00} dollars in multiple overdraft fees due to THEIR reordering of transactions and the system 's error, they would only refund me  XXXX  dollars. I was not able to ever use the money from my direct deposits since they were being funneled to the bank as profits via their overdraft fees.
Product: Credit card or prepaid card

On XX/XX/XXXX my daughter placed an order with XXXX who put a preauthorized hold on my card ( she is an authorized account user on my account ) as this was a preordered item that was due to be released on XX/XX/XXXX & my daughter purchased a small plush in the store as well. My total came out to {$400.00} on the same day she cancelled the pre order but kept the plush she then went back to XXXX on XX/XX/XXXX & purchased another small plush once I received my XXXX statement I paid off the 2 plushes purchased on XX/XX/XXXX the amount was {$30.00} but Comenity Capital Bank continued to bill me for both the preordered item that had been cancelled & the plush that I had already paid off, I called & sent documentation to Comenity multiple times to show I cancelled the order & paid my bill for the items that were kept. They absolutely refused to help me they disputed the charge for me but then removed the provisional credit they provided stating they couldn't help me even though the documents I sent them proved the order was cancelled. Comenity has been billing me for over a year about this bill & they continue to add late fees & finance charges. As of XX/XX/XXXX they have charged off my account to a debt collection agency & they are attempting to collect {$760.00}, to sum it up Comenity is billing me for the {$400.00} purchase plus fees, late charges & finance charges so the total amount they are trying to collect from me is {$760.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 60 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Mortgage

I have contacted my mortgage company roundpoint consistently over the past 2 months to try and resolve my escrow issue. I have asked repeatedly for a copy of my original documents to be sent to me but have yet to receive those, or find a resolution for my account. I have now been assigned to 3 different customer advocates none of which are ever available for calls nor do they return my calls. In the interim I have reached out to customer service to try and resolve this but have been told every time I need to speak with my customer advocate, which never pans out. I am unable to contact anyone or receive a response.