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

I've tried to establish a bank account with Chase Bank for myself and my XXXX and they allowed my to place funds in. then a couple weeks later they closed it without notice. Im well aware of the fact that a bank can close an account without notice but to be told that im red flag as a potential fraud person and that is not true. Ive never done anything wrong to chase the last time i had chase i was living in Texas and my ex was using my Card to pay here car payment. i filed a claim to receive my funds and they close the account stating i should pay close attention to my account. I've also been told that i will never be able to open another account. If didn't leave then last with a negative account why and they red flagging me and labeling me as potential fraud person. When we sign our agreement with the bank there was nothing that states how many claims we can do, and every claim with the excepting of XXXX or XXXX that forgot i did where excepted. going by there contract it does say they have to right to close our account at there discretion but As i said when we sign a contract with this bank there was no limitation on the claims we could do and we shouldn't be judge by that. I'm at an age where im trying to get my life together and there doing more harm than helping
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion received an update from the Department of Education  today, claiming that my past due balance had increased {$1.00} ( one dollar ). For that information TransUnion reduced my FICO score 55 points. The problem with that is that any information that the Department of Education is my student loan service provider is false/incorrect/fraudulent. I have attached the most recent payment that posted to my current service provider on XX/XX/21. Showing that the notice Department of Education is purposely inaccurate. This repeated abuse is damaging and its only purpose is to cause injury.
Product: Debt collection

On XXXX/XXXX/XXXX I was contacted by Wilber and Associates regarding an accident I was in on XXXX/XXXX/XXXX and to call back with the case number XXXX. When I did I was connected to a woman who identified as XXXX who stated that I owed over {$7000.00} to XXXX XXXX as I was found at fault in the accident and I had no insurance. I informed her that this was incorrect, the accident was no fault, and, not only do I have insurance, I have full coverage insurance. At this point she became rude, yelling and refusing to let me talk, and stated that she will file with the state to have my license and registration suspended if I do n't pay. I again told her no, and that I would have my insurance contact them to verify what I had said. She continued to yell and tell me she was a lawyer and that they had already been to court to settle this and I missed the court date. At no time was I sent a summons and had received nothing in writing from this company, so I was unable to sent a letter disputing the validity of this debt as I had no address for them and was unable to find one. I contacted my insurance agency on the same day, and they stated that I had nothing to worry about, they were unable to suspend my license as I had full coverage and was not deemed to be at fault, that they would contact them and clear it up. On XXXX/XXXX/XXXX my insurance company stated that they refused to speak with them when they called. I heard nothing again until XXXX/XXXX/XXXX, at which time I received a letter in the mail stating that they sent a request on XXXX/XXXX/XXXX to XXXX to suspend my license. I called them at the number and they stated that my insurance told them they are not responsible for this money and therefore I am uninsured at the time of the accident. I told them this is not what my insurance had informed me, she said it 's going to go through no matter what I say. I told her that they need to speak with my insurance agency otherwise I will be calling back with a lawyer, at which time she hung up on me. I called my insurance back and they stated again that there is no debt I am obligated to pay in regards to the accident.
Product: Credit card

I purchased a bookcase from XXXX. XXXX never delivered the product. There was no proof of delivery or signature signed. However, when dispute was filed with Amex, they sided with merchant and didn't resolve the dispute nor provided proof of delivery. They said it was marked as delivered even though there was no photographic evidence or any signature. It showed on the tracking that it was delivered without signature. However, Amex did not look through any evidence and system seems to automatically declined dispute. They also did not allow to escalate to upper management showing lack of transparency and customer protection. Card was advertised with purchase protection in case of loss or thef but they did not follow what they advertised.
Product: Debt collection

CREDIT CONTROL , LLC PLEASE STOP all communication tactics with me. I remember you from previous letters and I asked that STOP AND CEASE all collection methods. I DONT OWE anything to XXXX XXXX, never opened a credit card with that credit company. Please STOP HARRASING ME. THANKS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for more than 6 month that my mortgage company which is XXXX XXXX XXXX report my payments to the 3 agency credit bureau but they have been refusing to do it. I file for bankruptcy over 7 years ago and I have sent them a confirmation letter written for me and talked to my attorney and he said the confirmation was include when I filed. so inXX/XX/XXXX they asked me for a bankruptcy discharge, I sent it to them, then a confirmation letter in XXXX and another documents and calling and ask them many times to report my payments so I can improve my credit score and get better interest when I apply for any kind of loan ... I don't know what else to do ... please help with this Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I contacted TransUnion by phone and did write a letter to initiate a dispute about inaccurate information they are reporting about me. I was not given the opportunity to initiate a dispute but Instead, I was told by the representative to contact the six financial institutions who placed an inquiry on me and request that they send TransUnion a letter of dispute inquiry. I know that according to the FTC rules, TransUnion is supposed to personally investigate and initiate a dispute on my behalf with these six financial institutions when I bring to their attention that they are reporting inaccurate information against me. To this date, I have not had a response from TransUnion and I would like them investigated my disputed inquiries. TransUnion is reporting in accurate information about me that is affecting my credit score and refusing to investigate the inaccuracies I have brought to their attention. I did not authorize these financial institutions to run inquiries on my credit. These inquiries should be removed from my credit report. I should be given a fair chance to have these inquiries investigated and removed.
Product: Mortgage

I XXXX XXXX made payments towards my mortgage and a number of my payments were put in a unapplied / Suspense account. I requested HSBC Research Dept to send me statements and payment history. HSBC Research dept sent the information but the information was scattered all over the place on the payment history sheets. I'm requesting HSBC send the information in the following format. The Heading should state the year and underneath it should have the following rows : Year / mtg amt / mtg paid, /Principal balance/ interest payment / Deferred amt / Escrow amt / Ins. & taxes/ any fees / Payoff figure for mtg. The left hand columns should have the months XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX HSBC Research should fill in the information for each month. I'm requesting this information for the following years : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. The format that I have requested should assist me in resolving this issue. I have asked HSBC Rep, Why the information changes with each call. Providing the information in this format will assist me!
Product: Credit card

In XX/XX/XXXX I noticed ( when checking my account online ) that a {$1000.00} payment was purportedly made to my Citi Bank credit card account from a payment account that was not mine. I immediately notified Citi that I thought a fraud was in progress and that I did not make the payment. At Citi 's suggestion the credit card was canceled and replaced. Thereafter, Citi notified me that the {$1000.00} payment was not honored because of NSF and that I would be charged a {$30.00} " returned check '' fee. Thereafter, I chatted online with a city representative who told me that I was responsible for the " bounced payment '' ( " bounced '' is my word not Citi 's ) I never made or authorized. The account is one I have had since XXXX. I almost always pay the bill in full. No payment was due when the fraudulent {$1000.00} payment was made.
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 Name : XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX and list of Inquiries 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

According to the Fair Credit Reporting Act XXXX XXXX XXXX a ) ( XXXX ) ( XXXX ), the credit bureau is required by federal law to verify the physical verification of the original signed consumer contract with the company. I have sent letters for validation to this bureau and they have not provided me with proof that this account belongs to me. The company name is XXXX, account # on file is XXXX ... .. The credit bureau is reporting inaccurate information and I have no knowledge of this account. I have not signed for an XXXX loan. Under the FCRA, unverified accounts must be removed and if the bureau is unable to provide me a copy of verifiable proof, they must remove the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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 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

XXXX, Experian and XXXX  is not following the rules of the Fair Credit Reporting Act. I disputed 4 accounts on my credit reporting XX/XX/2020. In my response from the credit bureaus through CFPB it stated that they require more time to investigate. This is now XX/XX/2020. That's too long for investigation or to receive verification of a debt.
Product: Credit card or prepaid card

I contacted Chase Bank on XX/XX/19 and asked the representative for the total pay off amount of the account ending in XXXX. She told me that the total pay off amount would be XXXX. 
I verified with her three times that this was the entire amount owed and I told her each time I wanted the know the amount to pay the card in full and down to an absolute XXXX balance. She verified all three times this was the amount owed. 
I paid the XXXX via a direct withdrawal from my personal bank account. Today I received a bill showing the XXXX payment and demanding an additional XXXX. 
I called Chase immediately and told them that they needed to pull the recorded phone call because I had been misled by their representative. The customer service manager, XXXX, verified that he could see the notes and this was true but refused to help in any way. I advised him that I did not feel that I was responsible for the remaining charges due to the fact that the previous representative had assured me three times I was paying the balance in full with the payment of XXXX. I was lied to by Chase bank in order for them to continue profiting off of this account via high interest rates. I tried to pay the balance in full, paid what I was told was the appropriate amount and then still received a high bill afterwards.
Product: Debt or credit management

Using name, address, date of birth, driver license all for financial gain without permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX : XXXX, XXXX : XXXX, has violated my rights. 

XXXX5 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 or other personal consumer reports

On or about XX/XX/XXXX I attempted to log into my Credit Karma account, I could not get into the account. After Credit Karma requested my Social Security number and user name, Credit Karma stated that the email on my account is XXXX. My email I registered with years ago was never XXXX .Someone hacked my account and continues to view all my information on my credit reports, this caused me to freeze my credit reports with all the agencies. Creditkarma.com com sent me an email on XX/XX/XXXX and stated they would look into to it on XX/XX/XXXX that was 4 days after I reported. I demand they close this account that an imposter is using fraudulently.
Product: Credit reporting or other personal consumer reports

I filed a dispute concerning my consumer report with TransUnion, XXXX, and XXXX in XXXX and XXXX of XXXX. Neither company acknowledge the federal laws or consumer protection laws that I cited in my disputes, instead the company sent me a letter basically saying that they speculated that some third party was doing something to my credit. I responded telling the reporting agencies that I, myself had written the disputes, and I also verified my identity. The company still ignored all consumer protection laws and simply refuse to investigate or remove any of these derogatory remarks for my consumer report.
Product: Mortgage

In XXXX of this year, Ditech sold my home loan to XXXX/XXXX, but notified me that any payments made to Ditech would be forwarded to XXXX/XXXX. However, while automatic payments in the amount of {$1400.00} continued to be made from my bank, XXXX XXXX XXXX XXXX, on XXXX, XXXX, and XXXX of 2019, none of these payments were forwarded to XXXX/XXXX, and subsequently, I was determined to be 67 days delinquent, charged {$140.00} in late fees, and my account went to collections. On XX/XX/2019, I paid all delinquent payments and late fees to XXXX/XXXX.
Product: Credit card or prepaid card

I tried to use card which does n't have any balance due. I email USA bank for this  XXXX  card and was sent a email back that card was cancelled but by no person. Card is still listed as having {$1000.00} available I sent in several other messages but no response. This has been a common problem with many of my accounts where charges appear and disappear but I get silly responses back.
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX XXXX. Personal Loan XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX T : XXXX XXXX I recently changed jobs from XXXX  XXXX at XXXXXXXX XXXX .... So, I started working in XXXX  at a XXXX XXXX XXXX and XXXX  for XXXX at the XXXX  XXXX XXXX ( which is two part-time jobs to supplement a full-time income ). I wanted to see if I qualify for a personal loan to pay my rent + pay down my credit but mentioned the reason as " debt consolidation ''. However, the Representative offered a balance of XXXX {$1500.00} loan that could be paid off in 3 months ' time<b> at an incredibly high APR rate of 39 % at XXXX installments ( that's interest {$3000.00} ). Says, " bring paystub in 14 days '' and " file will close out after 21 days '' ... consumers like me are taken advantage of when in desperate circumstances, I experienced that before paying down a {$5000.00} interest payday loan to pay my student balance at XXXX University, and I am like not going there again. This time around I consistently looked for what is best. Instead, I deposited two paychecks into my XXXX XXXX commercial savings account totaling in the amount of about {$1200.00} and brought down my credit utilization rate by paying in full 2 credit card debts. 

I have a credit line of XXXX and on-time payments of 100 % past 3 years of credit history and a borrowing power of {$17000.00}. I am sure another person in a different income bracket would have better treatment, and I mean treated in a fair manner by ONE MAIN FINANCIAL. 

XXXX XXXX approved an {$8600.00} personal loan at a lower APR after checking my employment. I would like ONE MAIN FINANCIAL to REMOVE that HARD INQUIRY, please.
Product: Credit card

Account ending in XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to discuss a closed/charged-off account in the amount of {$2400.00} associated with my name and the above account number. After a recent review of my financial situation and credit report, I am seeking a resolution that would benefit both parties. 

I am proposing to settle the account for full satisfaction for the claim in the amount of {$250.00}. In exchange for this payment, I respectfully request that Capital One agrees to remove this account from my credit report. I believe this resolution would provide a fair and mutually beneficial solution, allowing me to take a positive step towards rebuilding my credit and financial stability while ensuring Capital One recovers a portion of the owed amount without further collection efforts. 

If you agree to this settlement offer, please arrange for an online payment invoice to be sent to me, or provide instructions on mailing a check to the address you prefer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demanded the following account be removed from my credit report : XXXX/XXXX XXXX XXXX account # XXXX
Product: Debt collection

I have sent the company a cease and desist. This company has refused to adhere my complaint and do anything about it. They ignored my requests by phone, email and letter. Please have this company cease and desist the INACCURATE information on my credit report. They have things in collections that I reported fraud. My first name, middle name, last name are all incorrect. 

the wrong spellings are. Even the collection agency has an inaccurate name for me in their system in my whole file. My name is They have credit cards that are not mine. I never signed up for none of them. I noticed whomever got them continued to apply for 4 more cards within those 2 months
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding XXXX XXXX account XXXX appearing on XXXX and Experian credit bureaus.The account should be deleted today upon receipt of the proof attached.There have been multiple disputes without remedy by either bureau.Both bureaus possess an FTC identity theft report that neither bureau reacted by blocking the information.XXXX sent a letter and CFPB response to CFPB XXXX, basically accusing me of either being mistaken or a liar or a thief.XXXX will find TODAY that " the shoe is on the other foot '' and that maybe it is XXXX who are mistaken ... .I have attached the XX/XX/19 letter. 
These are the facts : I experienced a fraud where some unknown entity used my card to buy steroid using muscle building products.I complained to XXXX XXXX.Over time, XXXX XXXX removed every fraudulent charge and all fees assessed by XXXX XXXX and adjusted the balance to XXXX. 
I have never used the card for anything. 
Yet XXXX XXXX employees, reporting credit, have held me accountable for late payments on charges I never made or paid for and products never received.The statements showing all charges and fees adjusted to XXXX by XXXX XXXX are attached. 
XXXX  would doubtfully survive legally and Experian as well with doing nothing less than an immediate deletion of this account as XXXX recently completed. XXXXVERIFIABLE PROOF IS ATTACHED THAT PROVES THAT THE CREDITOR XXXX XXXX AND BOTH BUREAUS, EXPERIAN AND XXXX ARE INCAPABLE OR UNWILLING TO ABIDE BY THE FCRA.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I bought XXXX XXXX subscription from XXXX, with payment through PayPal. The advertised total cost was {$17.00} and I received an invoice that that was the cost, inclusive of all taxes and fees. 

I spoke to a XXXX representative about this over the phone, who was completely unhelpful in the matter. ( I don't remember the date of this conversation ) On XX/XX/XXXX, PayPal charged my credit card for {$19.00} for XXXX XXXX. I disputed this with PayPal, citing the discrepancy. 

On XX/XX/XXXX, I disputed the case. PayPal contacted the merchant to seek more information. 

On XX/XX/XXXX, I provided a screenshot of the in-app advertised price of {$17.00}. PayPal denied my claim. On XX/XX/XXXX, I provided the invoice email citing the price of {$17.00} from the seller. PayPal denied my appeal. On XX/XX/XXXX, I provided that invoice again, PayPal again denied my appeal. 

On XX/XX/XXXX, as per emailed instructions, I requested by post a copy of all documentation relating to my case. As of this writing ( XX/XX/XXXX ),  PayPal has not responded with that documentation. 

Yesterday, XX/XX/XXXX, PayPal again charged my credit card for {$19.00}.
Product: Bank account or service

Associated Bank 's excessive practice of freezing customers ' checking account.