23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I filed a previous complaint ( ID XXXX ) concerning Suntrust taking XXXX out of our excrow for forced supplemental flood insurance. I had called more than XXXX times to get specifics and resolve the issue and I took out a supplemental flood policy and provided proof of the additional coverage even though our condo associations master flood policy provides 100 % coverage. I called XX/XX/XXXX, XX/XX/XXXX ( uploaded supplemental policy ), XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was told I needed $ XXXX in supplemental coverage, then I didn't needed it, then I needed it and then they took money out ( along with montly letters ). In XXXX I filed complaint with CFPB and then Suntrust sent me a letter dated XX/XX/XXXX that there was an error, we had sufficient flood insurance through our master policy and the money taken from escrow would be refunded ( which it was ). XXXX XXXX, I received a letter dated XX/XX/XXXX that stated we needed $ XXXX in supplemental insurance and that they had taken out forced insurance and took money from escrow a second time! I called on XXXX and this was confirmed. Suntrust had a copy of the letter on file dated XX/XX/XXXX saying the first time was an error and yet they still sent me another letter and took money from escrow! I was told this would be sent to research. I now also got an email that my escrow is being reviewed and I suspect I will soon be notified that my monthly mortgage amount is going up. This is beyond rediculous. Clearly there is a computer glitch somewhere and no one is actually addressing this problem with a permanent solution.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I used Zelle on XXXX XXXX to purchase what I thought were tickets to an XXXX game. I sent {$580.00} but never received the product I thought was purchasing. XXXX XXXX XXXX and Zelle in order to file a complaint to reverse the transaction. Gave them all the Info I had such as screenshots from the conversation I had with the person who frauded me, the transaction confirmation number, phone number and name of the person who committed the fraud against but was told they couldnt reverse the transaction. Happened almost 2 years ago and Im still not over how it was so easy for someone to get away with something like that and could imagine how many other people fell for the same scam as I did.
Product: Credit card or prepaid card

This complaint highlights Chase 's derelict of duty of protecting their Customers from malicious & fraudulent charges as well as fiscal harm. 
I'll reiterate and continue to reiterate until a satisfactory resolve is reached. 

I did Not authorize the additional charge of {$200.00} I did Not have or encounter any major or minor accident or incident while the vehicle was in my possession. 

I do have an eye witness that has testified to the facts above and I will not be cheated or swindled from the XXXX XXXX In Question or Chase Credit Card services. 

I am prepared to take this matter through our judicial system if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX  Acct XXXX, XXXX. XXXX, 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 602 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting and XXXX  Acct XXXX and XXXX, XXXX XXXX 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 602 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing and calling XXXX XXXX XXXX since XX/XX/XXXX to investigate late payments I noticed on my credit reports. I have always paid on-time and as agreed with no problems. So the late payments on my credit reports were new to me when I discovered them earlier this year. First I contacted the companies directly numerous times via telephone and written requests as they implied. They were being very difficult about investigating this from their responses, so I contacted the credit bureaus ( Experian, XXXX & XXXX  ) to investigate the late payments for me. In return these companies never responded to my request. 

XXXX XXXX XXXX  are reporting late payments for XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX UNIVERSITY Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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: Checking or savings account

Payment for a paper check for {$100.00} was debited twice from my Citizens Bank account. 
<line break> The first debit on XX/XX/2019 was an electronic transaction with description : <line break> Preauthorized Debit # XXXX <name of payee> Check # XXXX XXXX XXXX <line break> The second ( the duplicate ) debit on XX/XX/XXXX was a traditional payment for the paper check with description " check XXXX '' and a full image of the check. 
<line break> Although both debit transactions were correctly coded with the check number, account number and amount, Citizens failed to detect the duplicate debit or flag it as suspicious. 
<line break> After I reported the problem, Citizens researched the issue and issued a credit about three weeks later. 
<line break> If this amount had been substantial and I was a person of more modest means, my cash cusion could have been wiped out and various fees assessed.

<line break> Banks should not be permitted to place the burdon on their checking account customers to find and report erroneous duplicate debits when their systems could easily flag the suspicious transaction. Citizens failure to do this implies an intent to collect improper fees from customers who fail to identify the bank 's error.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed bellow which still appears on my credit report, even after your investigation. I would this immediately re-investigated. the inaccuracies are highly injurious to my credit score. 


XXXX XXXX XXXX account number XXXX EQUIFAX : XXXX  XXXX account number XXXX in accordance with The Fair Credit Report Act, Public law 91-506, Title VI, Section 611.

Please provide the names business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  cancelled my debt and issued a  XXXX  IRS form for which I had to pay taxes on the forgiven amount. Per Internal Revenue Bulletin  XXXX  ( Removal of the  36-month nonpayment Testing Period Ru le ) on  XXXX   XXXX ,  2016 , creditors should not send you a  XXXX  form unless the debt is really canceled, extinguished, forgiven, and gone for good. I have disputed the accuracy of the account balance and past due amount with the credit bureaus asking that they be updated to show a {$0.00} balance and {$0.00} past due. However, the information does not update.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern under 15 U.S. code 1681b- permissible purpose of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer report, No consent is idenity theft. A copy of the law is attached with this dispute letter. 
Concerning the account listed below as a consumer im demanding a deletion of this account XXXX  XXXX  ACCOUNT # XXXX
Product: Debt collection

Triton Revovery XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX uses unethical and predatory practices. I engaged a lawyer in XXXX to work with them for a settlement. They did not respond to any of their correspondences and continued to harrass me and family with aggressive and disrespectful phone calls. Approximately 2.5 weeks ago ( XX/XX/XXXX ) they then put a lien on all of my payment processing acounts. My lawyer was able to get them to an agreement that was signed by both parties on XX/XX/XXXX. Their agreed upon payment was sent on XX/XX/XXXX and the terms of the agreement were to release the liens. They confirmed they released the lien but on XX/XX/XXXX they sent one of the payment processors a request to send them {$6000.00} which they complied and they still are holding another XXXX with the other payment processor stating they are requesting {$8900.00} of that. Which is now a breach of contract on their end. My lawyers have been trying to get them to release the liens all week and it appears at this point they're being deceptive in their tactics. As of XXXX they are still holding approximately XXXX with the payment processors that well exceeds the agreed upon amount. At this point it has created a financial strain resulting in me not being able to make payroll today in addition to outstanding expenses from XXXX.
Product: Credit card or prepaid card

My American Express bill was due on XX/XX/XXXX. The total due was {$29.00}. Admittedly, I forgot to pay the bill on time and did not pay it until XX/XX/XXXX. The late fee for a {$29.00} charge is {$27.00}, which is almost a late fee of 100 %. I would say that this is usurious, but it 's not an interest rate. It is, however, unfair and abusive. 

Please investigate them and have the charge removed from my account. This ridiculous. I have had an account with American Express for 24 years and have never been late. The fee is completely disproportionate to the bill. Rather than set fees, perhaps they should charge a percentage, like mortgage companies.
Product: Credit reporting or other personal consumer reports

A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report. 

Previous CFPB Complaint # XXXX on XX/XX/year>
Product: Checking or savings account

My name is XXXX XXXX, I have been a USAA customer since XXXX. I have a USAA checking account, although I don't use it as my primary checking, I use it on occasion. The USAA sent me an email today informing me that my checking account has been closed because I have had XXXX balance on my account for a very long time. However, I checked my statements and I have a XXXXXXXX  balance on my account till XX/XX/XXXX. The XXXX balance is only from XX/XX/XXXX to now, which is about 2 months. I don't think two months can be considered an account not to be used for a very long period to result in an account closure. Also, I have never been informed that there is a minimal balance requirement for a USAA checking account, nor I have been informed by mail. I feel that closing my checking account is unethical and does not align with regulations.
Product: Checking or savings account

Chime and/or the banks that manage Chime banking has removed any ability to see account balances after transactions from their mobile app, online website, and monthly statements. The only balance you can see is the current balance. Additionally, you can not see what you have used for Spot Me. They used to send emails letting consumers know what their Spot Me amount was so that they would know how much was being deducted from their direct deposits, but they have recently stopped sending those emails. Now you do not know what you Spot Me is if you are not watching your account closely right before your deposit. The balance after each transaction used to be reflected under the transaction on the mobile app ; this has also been removed. Thereby making it impossible to see your balances through out the month and after each transaction. 

I have called and complained and was told by the representative that features may have been removed during updates. Removing the ability to see your balance is unacceptable and should be illegal for banking institutions to do. It definitely suspicious and unfair to the consumer because it makes it very difficult for us to effectively balance our accounts at the end of the month. It also make it extremely difficult for us to make sure that our funds are being distributed correctly. 

Lastly, to summarize, the only thing you can see on any Chime accounts are the actual transactions there is no way to see the balances after each transaction - This is very suspicious and should be illegal. 

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

Per XXXX this complaint should go to the U.S. Department of Education. As the loan servicer XXXX I have already applied for borrowers defense and my application has not been reviewed. XXXX is the servicer for my student loans which means they have the ability to review and forgive the debt that occurred as a result of predatory lending. 
My loan balance is currently inaccurate. All the loans for XXXX XXXX XXXX amounting to {$33000.00} should be forgiven. I informed the U.SXXXX Department XXXX XXXX XXXX Borrower defense XXXX case # XXXX regarding this and nothing was done to resolve the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I have noticed an inquiry on my credit report that I didn't authorize. I contacted the company to aware them of the situation and they response with a letter and response stating that the inquiry will be removed no more than 60 days from all 3 credit bureaus. I've contacted the company in XXXX to check on the inquiry that's still reporting to my XXXX report as of now. Also, in XX/XX/XXXX I've contacted XXXX and they told me that they couldn't delete the inquiry because they don't see any documents from the company which I will enclose a copy in the attachments. This unauthorize inquiry has hurt my ability to apply for credit and it's been passing the XXXX period and no changes are being made to help solve my issue. 

The company violate my rights as a consumer, I didn't give this company permissible purpose to furnish my account with this inquiry and additionally I got a document from the company to have the inquiry delete. The company nor the credit bureaus or complying. 

I've submitted a complaint before and here is the complaint number ; CFPB Case XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023 I was made aware that someone had obtained my information via a data breach and used it to fraudulently apply for a loan with several online loan companies including XXXX ( XXXX XXXX XXXX  ). I was contacted by this company to verify and explained that I never initiated this loan application and they told me that they would cancel the account. 

I then found inquiries related to this transaction on my reports from XXXX XXXX, XXXX XXXX, and XXXX XXXX. I disputed all three. XXXX XXXX  removed the information, but XXXX and XXXX would not remove the information. They instead directed me to work with the lender " XXXX XXXX '' to have it removed from their side. 

XXXX XXXX, XXXX " XXXX XXXX XXXX ''. Some of the inquiries show up as XXXX XXXX. 

I contacted XXXX XXXX to do this and they had their investigations team email me. Their email wanted me to send a digital copy of my drivers license and FTC Identity Theft Affidavit and or/police report, but provided no secure way to do so. They did not provide an alternative option of verifying my information such as XXXX Mail or Fax. 

It is unclear to me why XXXX XXXX and XXXX wouldn't remove the inquiries from XXXX XXXX at my request as a result of my dispute. I never initiated the loan in question. I provided identifying information and documentation to both credit bureaus to prove this. XXXX XXXX couldn't verify the loan and never funded it to begin with. So by definition those credit inquiries are inaccurate and should be removed. 

I'm happy to cooperate with LevelUp to resolve this but I am reticent to just email these documents to an unknown company in an insecure way. A data breach is how this problem started.
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681. Equifax is governed by 15 USC 1781 and they violated my rights numerous of times. I demand the accounts mentioned below to be removed because according to 15 USC 1681 : I have the right to privacy and o did not give XXXX written permission to furnish those accounts Accounts XXXXXXXX XXXX XXXX XXXX All hard inquiries
Product: Money transfers

I friend XXXX dad sent me a friend request on XXXX last night and I accepted. He started off by telling me if I had heard from the XXXX and I said said no what is that? He said he had seen my name on the list and to text them at XXXX. I did because I know and trust him. He stated t he had received money and that since he seen my name on the list I need to contact them. I was connected to a XXXX XXXX and he asked me some questions and said I indeed was eligible. I had XXXX XXXX 's dad telling me me what to do through XXXX. I did what he asked and I sent XXXX through Money Gram this morning. Come to find out XXXX 's XXXX account had been hacked and I was not speaking with him at all. I did not know this at the time. I have made copies of all messages between both men. I was deceived and scammed by these men! I am on Social Security XXXX and can not afford to lose XXXX. I was up until XXXX researching this and did not feel right, but thinking XXXX was XXXX I trusted him. I am now out of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against XXXX XXXX XXXX XXXX XXXX. I received a response from XXXX regarding a dispute of an alleged bankruptcy record it obtained from XXXX XXXX  ). According to XXXX, it obtained this record in which they claim, it included " XXXX digits of my XXXX '' which is not public information. In which I believe was errounously matched to my report. 

However, I have challenged their investigation for the following reasons : ( XXXX ) XXXX  did not verify the " Accuracy and Completeness '' of this record with the courts according to the attached notice from TransUnion and the Bankruptcy XXXX. In the notice, TransUnion admitted to using ( XXXX  ) as it's " Validating Source ''. I contest that my " XXXX XXXX '' could have been transposed with another consumer 's information. 

I am concerned that this data company could have created an account illegally and added it to my credit file. The attached letter from the courts, certifies that the courts " Do not report to XXXX XXXX ''. Therefore, LCI must remove this record from it's database as it is " Incomplete '' and " Unverifiable ''. Please note that by using PACER as the validating source, XXXX  and TransUnion has violated 15 U.S. Code ****i. XXXX  has no " Permissible Purpose '' to obtain, or transfer my personal information to any CRA. XXXX  has violated my privacy by transferring my " Personal Information '' to TransUnion. While I am fully aware that bankruptcy records are public, and that data furnishers do not need a consumer 's permission to share them, the law prohibits the reporting of such records, if they are " Incomplete '' and unable to be verified from it's " Originating Source ''. 

I am demanding that XXXX  removes my " Personal Information '' from their database as they have no " Permissible Purpose ''. I demand XXXX  ceases the reporting of this " Unverified '' bankruptcy to TransUnion and any other source.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/X/17 I received an email from XXXX XXXX stating that my application for a loan had been denied. The email contained numerous pieces of personal information including my name, home address, and credit score via TransUnion. I have never sought a loan from this company and have never authorized any hard credit pull of my account by them.
Product: Credit reporting

XXXX XXXX did not take a payment due to their " computer glitch '' XXXX their words not mine ) and then they reported me as 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair credit Reporting act, my rights have been violated. 

XXXXXXXX XXXX XXXX XXXX  XXXXDept of Education XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have 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 permission.

15.U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with Equifax was frozen after their data was breached in XXXX. 
Have been trying to unfreeze the account without success, as I have been unable to find my password. In order to prove my identity, I must answer questions like : How much was your monthly payment on the car you purchased in XXXX. Even if I was 20 years younger, I would not be able to answer questions like that. There must be a better way, especially for seniors. 
I hav n't found any way to communicate with a live person.
Product: Credit card or prepaid card

Dear Representative, I have tried to prove that the account has been paid and they continue collections.   There has been a payment authorized but I need time to go through this information.   There is a investigation being done and they have n't completed their due diligence to finish the investigation. Thank you.
Product: Credit reporting or other personal consumer reports

i have sent letters out to XXXX, equifax, and XXXX  about inaccurate information reporting on my credit report.15 USC 1681eb and 15 USC 1681i5 and request deletion of the items off my credit report. I also attach a copy of my letters below for your reference.