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

To Whom It Might Concern : I have a complaint against Discover Bank, located in XXXX XXXX XXXX at Utah. 
-- -- -- -- -- -- - Short History -- -- -- -- -- -- -- -- -- -- -- -- - 1. My name is XXXX XXXX You can reach me at ( XXXX ) XXXX. 
2. On XX/XX/XXXX and XX/XX/2018, i made a mistake. I issued an ACH transfer twice, and each time an amount of {$1100.00} was subtracted from my checking account at Discover Bank to pay my Visa credit card balance at XXXX XXXX XXXX. 
3. As the 2nd time of withdrawal, my account was bounced. Insufficient fee of < $ XXXX> was charged on XX/XX/18 and an amount of {$1100.00} was returned to my account on the same date ( Of course! ) -- -- -- -- -- -- - Important information below -- -- -- -- -- -- -- -- 4. On XX/XX/2018, without my request, Discover went out and debited the same amount of {$1100.00} from my checking account in attempt to pay my credit card at XXXX XXXX XXXX FOR THE 3rd TIME!!!!!. Note : The payment has NEVER taken place ....!!! because that there was NOT enough money in the account, ( that would result with a balance of < $ XXXX>. Please see attachment ) 5. On this date, There were 2 systematic errors : 1st error : the NSF has never recorded. 2nd error : It should reimburse me back the money of {$1100.00} that it took away from my checking account. 
6. So on XX/XX/2018. I called in, asked them why trying to pay a 3rd time, and I disputed the amount of {$1100.00}. 
7. So, The dispute went on investigation. And amazingly, Discover said the transfer made on XX/XX/2018 was VALID. So on XX/XX/XXXX, Discover came back and took back the disputed amount of {$1100.00}!!!! 

XX/XX/XXXX, I called XXXX XXXX XXXX to make sure and have them verified that they never received any money from Discover any time on or after XX/XX/2018! The trace that Discover people gave me was XXXX that was for the transfer on XX/XX/XXXX indeed! 

To DISCOVER BANK : If their investigation was GOOD by saying the transfer on XX/XX/XXXX was valid. What is its VALID trace ID? 
and where the money went after it got debited from my checking account? 

Finally, on XX/XX/2018. A rep at XXXX XXXX XXXX ( Mr XXXX at Illinois ) set up a conference call and we talked to two reps at Discover Bank ( XXXX and XXXX @ XXXX XXXX XXXX ). On the phone, XXXX XXXX verified that they did NOT receive any money from Discover on or after XX/XX/2018. Discover now back to investigation again! XXXX # XXXX Discover bank has been taking 2 months to investigate. That transfer from Discover to XXXX XXXX has never taken place! So, Return the money to me! 

Please help me to recover my money from Discover Bank. I appreciate your intervention and your help! 

Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The documents from XXXXXXXX XXXX XXXX XXXX  XXXX XXXX does not match what is reporting. I am requesting that TransUnion investigates and reports what is in the documents so it will accurately reflect my report. Payment history, the date the last payment was made, and etc.
Product: Debt collection

I contacted Stellar Recovery Inc about this account that was sent to them by XXXX at XXXX. Stellar Recovery told me that the account is no longer with them and that I should contact XXXX XXXX. I contacted XXXX XXXX at XXXX and they told me the account is no longer active and they ca n't do anything about it.
Product: Credit reporting or other personal consumer reports

DATE : XX/XX/XXXX TOTAL LOSS SETTLEMENT LOAN COMPANY : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX : XXXX XXXX ON XX/XX/XXXX THE REFERENCED VEHICLE FINANCE WITH XXXX XXXX XXXX  '' WAS INVOLVED IN AN INCIDENT WHICH RESULTED IN A TOTAL LOSS. THEREFORE, THE VEHICLE 'S INSURANCE COMPANY " XXXX XXXX '' ASSUMED RESPONSIBILITY FOR THE REMAINDER OF THE PAYMENTS/BALANCE ON THE XXXX XXXX ACCOUNT - AS I HELD FULL COVERAGE INSURANCE WITH XXXX ON THE VEHICLE. 
AS A RESULT, I AM NOT RESPONSIBLE FOR ANY FURTHER PAYMENT TO XXXX XXXX AS OF XX/XX/XXXX. AS OF XX/XX/XXXX, I OWED {$0.00} TO XXXX XXXX. 

I HAVE A COPY OF MY PAYMENT MADE TO ALLY AUTO FOR THE XX/XX/XXXX PAYMENT AS WELL HAS LEGAL DOCUMENTATION FROM XXXX WHERE IN WHICH XXXX ACKNOWLEDGES THE TOTAL LOSS SETTLEMENT AND THE RELEASE OF PAYMENT FROM XXXX INSURANCE TO XXXX XXXX XXXX XXXX HAS RECEIVED PAYMENT FROM XXXX FOR THE VEHICLE- I HAVE CONFIRMATION FROM XXXX OF THE PAYMENT RELEASE, NO FURTHER PAYMENTS ARE DUE. 

XXXX XXXX HAS CONTINUED TO REPORT MY ACCOUNT AS OPEN ON MY CREDIT REPORT AND UNLAWFULLY IMPLEMENTED ADDITIONAL FEES TOTALING TO {$1700.00} BETWEEN DATES OF XX/XX/XXXX TO CURRENT XX/XX/XXXX. THIS IS UNLAWFUL AND ILLEGAL. 

I AM REQUESTING LAWFUL JUSTICE, I AM NOT LEGALLY RESPONSIBLE FOR ANY ADDITIONAL PAYMENTS TO XXXX XXXX  AS OF XX/XX/XXXX. THE COMPANY NEEDS TO UPDATE MY STATUS TO ALL THE CREDIT BUREAUS AS PAID AND CLOSED AS OF XX/XX/XXXX.
Product: Credit card or prepaid card

Equifax shows 2 inquires for XXXX XXXX on XX/XX/2022 and XXXX XXXX XXXX  XXXX on XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

I have two unknown accounts that I never applied for showing on my credit file.

these following accounts are not mine please delete/remove XXXX XXXX XXXX XXXXXXXX XXXX {$8800.00}. I wanted to inform all parties that in the last thirty ( 30 ) days I have contacted the Federal Trade Commission. I explained in my letter that, you, as a Federal Reporting Agency, have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. Please delete the following unverified fraudulent account :
Product: Mortgage

JP MORGAN CHASE Falsified documents sent foreclosure notices before I was even behind on payments. I contacted them repeatedly to get an accounting of the mortgage they sent modifications and proceeded with a foreclosure stating they complied with the RPAPL was sent before I was even behind in payments this is where the confusion started. In the 4yrs before the sale I repeatedly tried to work with JP Morgan Chase but the stated repeatedly they sent documentation and modifications which were returned but they claimed not to have received. 
They then stated they were no longer the servicer that we had to contact the new servicer. Yet the foreclosure documents only listed JP Morgan Chase and upon JP Morgan Chase own admission in a letter they had an interest in my home until XX/XX/XXXX 

They pushed for the foreclosure claiming they were not dual tracking when in fact they were since they had interest until XX/XX/XXXX. They held interest in my home until they knew they would be able to obtain it for {$500.00} WHICH IS WHAT THE REFEREE SOLD IT TO THEM FOR. 

No one addresses this fact?? That JP Morgan Chase received Billions of dollars to help with the mortgage fraud MY TAX DOLLARS so they can turn around and purchase my home for {$500.00}. JP Morgan Chase did not even have the original mortgage papers when I requested them, all they have are copies from XXXX County Court. 

JP Morgan Chase and their attorney 's swear to the accuracy of the documents which contain many inaccuracies. I have found that JP Morgan Chase with the help of XXXX XXXX and XXXX has done this to many people. 

I have attached a payment schedule where you can see XX/XX/XXXX payment was made in XX/XX/XXXX and they put it in suspense so they could begin foreclosure I am in the process of contacting every JP Morgan Chase foreclosure customer in XXXX County for the past 6yrs to  obtain the proof of the widespread consistent fraud they have perpertrated and how many homes they have STOLEN FOR {$50000.00}. Once I am done with XXXX County I am going to contact people in the 5 boroughs and numerous other counties in New York. 

Since I am being EVICTED from my home on XX/XX/XXXX due to this fraud I will have nothing but time to research this consistent fraud.
Product: Credit reporting

I was told that this account was to remain on my account because of an address that was associated to this account. XXXX Ca XXXX. I have never lived at this address. This is an act of fraud and have been reported to law enforcement officials. Also fraud alerts have been placed on my reports. 
Please remove collections that are associated with this address I have NEVER LIVED HERE.THESE COLLECTION ACCOUNTS NEED TO BE REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FLXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2022 XXXX XXXX XXXX2022 XXXX XXXX XXXX XXXX2022 XXXX XXXX XXXX XXXX2022.
Product: Credit card

The credit card company has not been sending fraud alerts for known merchant fraud charges, resulting in posted fraud charges. 
In addition, they approved a {$490.00} charge that took me {$400.00} over my credit limit. This should not have been approved even if not approved charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have absolutely no idea what this account is, I have never opened a account with this creditor or had any affiliation with XXXX XXXX and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts.
Product: Money transfer, virtual currency, or money service

unfortunately a victim of a ruthless evil romance scam involving multiple people that lasted for 6 months. would not wish this to happen to anyone else total losses exceed XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PNC Bank XXXX XXXX XXXX
Product: Credit card or prepaid card

I had been disputing with American Express some purchases I do not recognize as mine. I asked the company to send me a detailed report showing all purchases reported in my balance I never received it. The response received was unsatisfactory and does not resolve the issue. I don't understand why CFPB close the dispute without me, the prejudiced part, receive a reasonable solution of it. I add here the letter the company placed as a response, which did not solve the issue
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 confidentially under 15 USC 1681.

XXXX  Account # 1, 2, 3, 4 has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the rights 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 reports 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 more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any 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

upon checking my credit report online with experian, I notice that there is a collection a couple of collections reporting in my report. I filed a dispute with XXXX XXXX XXXX and equifax letting them know that the information was inaccurate that i have never had an agreement or account with either company but they are still reporting to the credit bureaus. not only have I never had an account with either company, They are also reporting the accounts as open and with a balance. as of XX/XX/year> XXXXXXXX XXXX is reporting a balance of {$1800.00} on account # XXXX and XXXX XXXX XXXX is reporting a balance of {$880.00} on account # XXXX
Product: Mortgage

The servicing of my mortgage was transferred from XXXX toSelect Portfolio Servicing at the beginning of XXXX 2015. I attempted inXX/XX/XXXX, to make my XXXX mortgage payment online, but was unable toaccess my account information. I contacted SPS 's customer service andthe gentleman who answered the call was also unable to access myaccount information. I was told they were a really large servicing companyand it takes time to load all the loans they purchased??!! Was this their firsttime uploading loans to their system? I did as I was instructed and waited untilXXXX XXXX to log into my account and to my surprise my account informationwas available. I logged in set up an account, placed my checking accountinformation into the system, to see a message I was going to be assessed a {$15.00} check by phone fee to make an XXXX time, on time regular mortgagepayment?!!! Working in the financial and mortgage servicing industry for thelast 13 years I know for a fact it costs pennies to process check by phonepayments. Consumer 's should not be charged outrageous fees to processregular on time mortgage payments. I am not delinquent, I am not having arepresentative process the payment, I did all the work, now automation takes over .... and I have to pay for the companies automation? I never had to pay afee with XXXX and since consumers can not choose who their servicingcompany is, I feel it is unethical for the new company to charge for servicesthe prior servicer did n't charge for. After calling in a talking to a servicingrepresentative at SPS, I got the run around before even getting the feewaived. I should n't have to pay {$15.00} for the company 's incompetence. 
Mortgage servicing companies are necessary for processing payments, dealing with the escrows, ect. but since the consumer can not shop aroundand make the choice about who services their mortgage loan, the servicingcompanies should not be able to charge customers for making onetimepayments online.
Product: Vehicle loan or lease

On XX/XX/XXXX when I paid my loan payment, Santander Consumer sent me a notice that I owed extra money after my contract would expire in XXXX of XXXX. I was reminded of this on XX/XX/XXXX. When I reached out to the company on XX/XX/XXXX I never heard back from the company. I was reminded on XX/XX/XXXX and reached out by phone and spoke with a customer service representative named XXXX on XX/XX/XXXX. I was told that I owe the extra money due to a natural disaster in XXXX. I stated that I believed this was incorrect and stated I would like an accurate amount. I was told this request would take 3 to 4 business days. I was also told that my payment was late although I paid it on XX/XX/XXXX which was 3 days before it was due on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I have been banking for several years with Regions Bank XXXX XXXX XXXX FL XXXX. 
They have an unfair practice of deleting the largest withdrawal first from our account and then the smaller ones. So If you have XXXX large and XXXX small ones what happens if our funds are border line the larger one will be cleared and most of the smaller ones will not be cleared and then we are charged {$36.00} per t transaction!! If the smaller ones are cleared first there is a good chance that there may only XXXX {$36.00} NSF rather than XXXX. This has put a serious burden on us. 
We do live from paycheck to paycheck and try very hard to have sufficient funds available but with this unfair practice they are ripping their customers How many banks follow this practice and is it legal? 
off big time. This has gone on for several years and we are tired of it. How
Product: Credit card or prepaid card

On XX/XX/1018 I filed a dispute through Customer Service at XXXX XXXX for account ending XXXX. The dispute is concerning the {$810.00} promo finance charge added to my account on XX/XX/XXXX. In that dispute, I felt like the payment structure was not set up correctly so that I would have made the final payment on the promotion within the 12 month period allowed. I made the minimum payment that you set forth and assumed the last payment would be a different amount and waited for that statement to reflect that.However, when I received that statement the finance charge had already been assessed. I asked in the dispute that the finance charge be removed. 

When I got home that evening and pulled all of my statements out, I also noticed that in XX/XX/2018, they reduced the amount of my minimum payment from {$440.00} to {$410.00}. Once again assuming they were adjusting my payment to still remain in the 12 month promotion. In effect, what really happened was that the difference between the two amounts was {$30.00} a month and it was reduced for 9 months. That equals {$270.00}. My final payoff was {$240.00} so by reducing my payment those months, it caused me to go past the promotional date and incur the {$810.00} in charges. I feel that it is completely unfair and deceptive for them to reduce my payment to set me up for failure in the end and charge me interest. 

On XX/XX/2018 I received a letter from XXXX telling me that I could provide additional documentation. I replied on XX/XX/XXXX with a letter as well as my statement showing when they reduced my payment and the calculations that make it appear they purposely reduced my payment so the final payment would fall outside of the 12 month period. On XX/XX/XXXX I received a letter from XXXX XXXX stating the finance charge would remain. The letter was dated XX/XX/XXXX-only two days after the first letter asking for additional information. I feel as if that was deceptive also. Why would you say that I could provide additional information when you had already reached a decision? 

In summary, I asked that the finance charge to be removed. I feel the practice of reducing my payment to guarantee that customers will go past the 12 month due date is unfair to consumers.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about how Zelle handles disputes, specifically in light of the recent CFPB lawsuit which highlights a number of issues with the money transfer system. Despite using Zelle numerous times, and having reported discrepancies, my bank and Zelle have failed to properly investigate my claims and concerns. I was informed that they were unable to recover any lost funds, and tracking the transactions was impossible. Im aware that the CFPSs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to continue to exploit the financial system, leaving users easily exposed to fraud and scams. The lack of accountability and full transparency is unacceptable and also raises serious concerns about consumer safety.
Product: Payday loan, title loan, or personal loan

well. I have XXXX credit score and income sourse from XXXX XXXX and i have shown that information to this company afer was highly preaproved however XXXX XXXX compared other borrower like me and then after feeling completing all sharing all my fanaciol information with XXXX afilated of XXXX they sent me an email telling that they could not figureout my income source, after all not even also this company asked me to share my private banking information and create a hard inquiries on my credit record without and any reliable results therefore I never tried to share or compremise my banking information unless otherwise was nesecery since and was preaproved and then denied but nothing more than real discremation. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account Transunion, XXXX, and 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