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

Hello, I am writing to complain about the closure of my accounts with Chase Bank. I was first charged a {$34.00} overdraft fee repeatedly for the same unpaid charge. These duplicate fees were reversed on my request, which brought my account to a positive balance. In an effort to make every XXXX count, I had also deposited a check for {$13.00} on XX/XX/XXXX. This brought my account to a total of {$110.00} available. 

On XX/XX/XXXX, my debit charges began to fail. When I contacted Chase, I was told that the check I deposited had expired, and that once it was returned my account would be unlocked. I was advised this process would take 2-3 business days. Each time I called to follow up I was given different information as to why my account was locked and when I would have access to my balance. 

On XX/XX/XXXX, I was advised that the bank believes the check to be fraudulent and would not be reinstating my account unless I could provide information to verify the check. I publicly complained via XXXX and received a direct message from customer care advising that they filed a formal complaint on my behalf. 

When I called on XX/XX/XXXX ( in an attempt to provide a phone number to the legal firm handling the payment, though I still believe this burden should not have been mine ), I found that my account had been debited the total amount of my balance and closed. The total withdrawn from my account on XX/XX/21 was {$110.00}. 

I recognize that this is a relatively small amount of money, but due to my account being locked I was unable to refill needed prescriptions related to my XXXX, and I was unable to pay my phone and internet bill in order to keep working. I believe that locking my account with cause or reason is unethical, and potentially illegal behavior.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting actXXXX 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 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 an account without my written instruction.
Product: Debt collection

Credit reporting agencies are reporting the following accounts as either written off / charged of, please explain to me if these accounts are written off / charged off by company, why haven't I received a 1099-c form and the reporting agencies don't report income, this is a violation of my rights according to 1681 ( e ) ( b ) this is considered taxable income which make these accounts INACCURATE REPORTING, THE ACCOUNTS ARE AS FOLLOWS XXXX # XXXX XXXX # XXXX XXXX # XXXX accounts # XXXX all these accounts on my credit report are inaccurate and need to be deleted immediately, please explain or remove and send me a copy of my credit report that reflects deletion inaccurate reporting
Product: Bank account or service

DISCOVER BANK KEEPS ASKING INFORMATION ON MY TRANSACTIONS AND THEY OFFER COMMENTARY ON THEM. MY TRANSACTIONS ARE MY BUSINESS. THEY NEED TO LEARN TO MIND THEIR OWN BUSINESS.
Product: Credit card or prepaid card

This Account is not mine and never has been mine at no point in time. I called Spring Oaks Capital , LLC and have gotten nowhere. I'm XXXX and I'm being taken advantage of. I even asked for a contract or signature that they cant provide and I know that that's in violation my rights. Can You Please Help?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to get my free credit report on the transunion website. I'm able to get the other two ( XXXX and XXXX ) on annualcreditreport.com, but transunion won't comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX  is showing i have a balance and that the account is charge off bad debt. 

This account was paid off in full and was not a charge off. They even sent me the title after paying the account off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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: Mortgage

Lakeland Bank has been acquired by Provident bank. 

My Home Mortgage was on a auto payment and scheduled to be fully paid off during the Lakeland to Provident integration- on XX/XX/year> XXXX month start. 

Payment has been posted but it still the loan shows me on

Payment PAST Due. This can impact my credit score and hold my ability to get a new mortgage to purchase my next home.

I have initiated several communications/complaints with Provident Bank but it has been over 10 days and still issue remain un-resolved.

Provident Bank need to be held liable if I am not able to get my new mortgage and the mental stress it is causing me.

This is a mess up created by Provident Bank to Lakeland Bank takeover and incorrect integration of their software / accounts.
Product: Credit card or prepaid card

Me & wife applied at same time for 2 separate cards with same income. Capital one granted her XXXX line of credit. Me XXXX. Wife XXXX I'm XXXX. Ran my card up and try to pat off my account using our bank card from XXXX. They told me that I had a fraud alert on my account and wanted the bank to verify transaction. Wasn't going to accept payment or release account. They turned around took payment and closed account.
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelle handing of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed they recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs finding indicates that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises seriously conserns about customer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent and inaccurate. Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX late open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I got hard to inquire in XXXX  and XXXX By XXXX XXXX were we did not provide permission to pool our credit score. today XXXX someone from new American funding collected our personal information to consult a possible founds to buy a home but it was a consult and we did not give permission to someone else to pool our credit. now we found that my XXXX  and XXXX has hard enquire. 
we are sure this agent is responsible for this issue Name of the agent is XXXX XXXX We are taking care of our information safe but today we are victims of this situation. 


We want to get faster solution because it is affecting our future dreams.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Experian all have different information on my reports and are allowing debt collectors too many wrongful acts of harassment
Product: Money transfer, virtual currency, or money service

We sold a home and were advised by the buyers attorney that the wire transfer was sent to our Discover Bank Account on XX/XX/XXXX at XXXX XXXX EST ( XXXX XXXX Mountain time were the wire department of DIscover/ customer service is located ). On Thursday, XX/XX/XXXX at XXXX XXXX EST we called Discover to verify receipt. We were told that the wire transfer department was closed ( it would have been XXXX XXXX MT. We called the next day, XX/XX/XXXX at XXXX XXXX  as advised, they see the transfer and the deposit should appear in our account by XXXX EST. When we did not see the deposit, we immediately called and were assured it would show at XXXX XXXX. Each time, we were advised that the wire transfer was in process and we should see the money in our account soon. Our final phone call to Discover started at XXXX XXXX EST and continued until after XXXX XXXX as we spoke to one representative and her supervisor. During this conversation we were told that all the information provided to us all day was " inaccurate, and the Discover representatives misspoke, and should not have said the money was processed. If we were told this at XXXX XXXX, XXXX XXXX or XXXX XXXX, we would have immediately notified the attorney. It is now XXXX XXXX on Friday night, we were told the wire transfer was returned due to inaccurate information. When we reviewed all the information that we provided regarding the wire transfer / Discover information, it was correct, so we don't understand where the error was, nor could Discover provide this information to us. Because the money was returned, we notified our closing agent, who advised us to tell the new owners to vacate the premises as the funds did not go through. The new owner is an XXXX year old woman and her daughter. it is concerning that Discover will immediately notify us if we travel, alerting to " unusual activity '' for a {$20.00} purchase at a gas pump, but no one thought to call us about returning a check/ wire transfer for {$230000.00} because of a typo?
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 : Account Number : XXXX : Balance : {$430.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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: Debt collection

I, the original creditor and consumer received a disrespectful debt collection letter from Radius Global Solution LLC attempting to collect a supposed debt. The debt collection letter stated that Radius Global Solution LLC is a debt collection company. With that being said, Radius Global Solutions LLC are subjected to follow the 15 USC XXXX XXXX Collection Practices by LAW. Radius Global Solutions LLC violated 6 laws multiple times within the Debt Collection Practices and are criminally and 15 USC 1692K civilly liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2017, I was applying for a mortgage with XXXX XXXX XXXX for the current home I am living in. At the time my loan officer, XXXX XXXX, instructed me that he would be pulling a credit report and that an inquiry from XXXX XXXX would be showing up. However, after recently reviewing my credit report I noticed that he allowed more companies to hard inquiry my credit report without my permission. The XX/XX/2017 inquiry from XXXX XXXX is the initial inquiry. All the other companies below did NOT have permission or signed documentation to review my credit as I was completely aware that hard inquiries lower my credit score. 

XXXX XXXX XXXX XXXX - XX/XX/2017 and XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX - XX/XX/2017 XXXX XXXX  - XX/XX/2017 XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX XXXX  XXXX - XX/XX/2017 XXXX XXXX - XX/XX/2017 2017
Product: Consumer Loan

Three years ago, roughly, I partially applied for a loan at XXXX XXXX. As the final step the woman on the phone wanted to have a recorded conference call with my bank, XXXX XXXX XXXX. The bank rep asked some pointed questions, and I told them thank you, but I did not want the loan. No money was put into my bank account ( The bank closed and I can not get records now ). XXXX XXXX has declined to provide proof of their supposed deposits, and their own phone recording has me repeatedly saying " NO '' ( the woman would n't get off the phone and I finally hung up ). 

They became a nuisance in attempting to collect a non-loan, and I filled a police report with the XXXX County Sherriff 's Dept. in 2014. 

Now I am getting calls at work from National Credit Adjusters, XXXX.
Product: Checking or savings account

i am writing to file a complaint against navy federal credit union regarding multiple overdraft fees i have incurred. despite having sufficient funds when transactions were authorized i was charged fees due to lagging posting of charges and credits. this issue aligns with the most recent cfpb findings against navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. i believe these practices are unfair and request an investigation into my account transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

My address is inaccurate. I only live at one address have live there years and I only have one name I use. There is no other name. My job is incorrect as well. 

All my personal information needs to be corrected and updated on a 3 bureaus. Experian, XXXX, and XXXX.
Product: Checking or savings account

My employer legacy car wash submitted a direct deposit into my cash app account through XXXX XXXX XXXXXXXX for {$470.00} on XX/XX/year> I was supposed to receive my paycheck Friday XX/XX/year> it is XXXX XX/XX/year> and I still have not seen my paycheck in my account. I have reached out numerous times to cash app support and I have not had much luck.
Product: Student loan

Sallie Mae made my pay for forbearance up to 12 months for the life of the loan for up 3 months at a time because I could n't afford to pay my loan. 

Got from article against Navient law suit. In other cases, borrowers who would have qualified for lower-income-based payments under federal law were instead steered to something called " forbearance, '' which allowed them to skip some payments but saw their interest mount up, unnecessarily increasing the total they supposedly owed.The CFPB claims XXXX may have collected XXXX in interest it should n't have from putting people into forbearance, often multiple times.
Product: Debt collection

I am a Victim of identity theft my credit is froze nor do I use my credit for anything this is Fraud. I have police reports as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continuously been trying to dispute the items on my credit report for the last 8 months. Each time the accounts are coming back as verified. Before my last attempt, I uploaded my credit report to the three reporting agencies showing them the inaccuracies in the report and yet again the supported documents have been ignored. This last time I asked for a method of verification and again this information has been ignored. The CFPB is supposed to step in when things of this nature are not being handled accordingly.I know for a fact that according to the FCRA that my report is supposed to display the maximum capacity of accuracy across the board and it is not. I recently faxed over a MOV letter asking them to prove to me that since they are the ones who are reporting the information to provide me with how exactly their investigation goes when a consumer is disputing the information. Again ignored. Yet, I am supposed to just suffer because they are not doing their due diligence in making sure that the information they are reporting is 100 % accurate Then it was brought to my attention that a CFPB employee sent over a quarter of a XXXX consumer personal information to his personal email account. Yet no one is talking bout that. How am I supposed to trust what I am submitting to correct information when there is constant fraud being handled behind closed doors? I want these accounts deleted immediately if I can not receive the METHOD OF VERIFICATION FOR WHICH THE ACCOUNTS BEING DISPUTED ARE BEING VERIFIED. i ALSO WANT THESE ACCOUNT DELETED FOR THE REASON DUE TO THE CFPB BREACH AND THIS IS A VIOLATION OF 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint regarding these items that have been violating my consumer rights to privacy and confidentiality under 15 USC 1681 section 602 A and the HIPPAPrivacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160,162, 164. A consumer reporting agency can not furnish account without my written permission under 15 USC 1681 section 604 A Section 2. 
The list of accounts below has violated these rights. 
XXXX XXXX ( Only reported to XXXX ), XXXX XXXX XXXXXXXX XXXX ( Only reported to XXXX & XXXX ), XXXX XXXX XXXXXXXX ( Only reported to XXXX & XXXX ), XXXX XXXX XXXX, ( Only reported to XXXX & XXXX ) XXXX XXXX XXXX ( Only reported to XXXX & XXXX ), XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX ( Only reported to XXXX & Equifax ), XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Only reported to XXXX & Equifax )
Product: Checking or savings account

I XXXX of XXXX Citi offered a promotion to open a checking account and deposit {$15000.00}. As a reward, they would give me {$400.00}. 

I did this on XX/XX/XXXX. 

Days prior to XX/XX/XXXX, I had satisfied all the conditions of the promotion. On XX/XX/XXXX, I called to discuss the issue. I was told they will deposit the {$400.00} on XXXX. This did not happen. 

I called on XXXX. I was told the deposit would happen on XXXX. This did not happen. 

I called on XXXX. I was told the deposit would happen on XX/XX/XXXX This did not happen. 

I called today, XX/XX/XXXX. I was told the deposit would happen on XX/XX/XXXX. I have no confidence that they will honor their part of the promotion. Please help with getting the {$400.00} that Citi promised me.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX, and XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX, XXXX, and XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Employees unable to give me any information, unable to help me