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

We have open the following debit card for our company XXXX XXXX XXXX XXXX XXXX XXXX less than 3 years ago ( Bank of America small business XXXX Exp XX/XX/XXXX XXXX ) We were very specific at the moment to not authorize any transaction over the lowest balance. well the problem happened during the first year, we called customer serviced and they supposedly fixed it ( again we were very specific to request that transactions over the limit not to be authorized ), then covid started and we got so busy that couldn't check our statements regularly but when we did we found more overdraft fees charged, We filed a complaint with the XXXX XXXX XXXX and the problem still persist, on a closer look to our statement we can't tell their software is or has been failing ( pictured attached ) right now this account has a negative balance all caused by the overdraft fees. once again Could you please stop authorizing transactions if there's not enough balance? Could you please provide refund for all the overdraft fee transactions? 

Here is a list : XX/XX/XXXX Over draft fee {$35.00} ( 3x ) XX/XX/XXXX Over draft fee {$35.00} ( 4x ) XX/XX/XXXX Over draft fee {$35.00} ( 2x ) XX/XX/XXXX Over draft fee {$35.00} ( 2x ) XX/XX/XXXX Over draft fee {$35.00} ( 3x ) XX/XX/XXXX Over draft fee {$35.00} ( 2x ) XX/XX/XXXX Over draft fee {$35.00} ( 4x ) XX/XX/XXXX Over draft fee {$35.00} ( 2x ) XX/XX/XXXX Over draft fee {$35.00} ( 2x ) The total amount just from XXXX and this short part of XXXX is {$1000.00} It is abusive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone use my information to obtain a car loan with car max auto finance
Product: Checking or savings account

On or about XX/XX/2023, I initiated a bank to bank transfer from within my Chase checking account to pull {$1500.00} from XXXX XXXX  into the Chase account. Later that evening, I got a call from someone in an offshore call center. After some verfiication, she stated the transfer would not be processed, but refused to tell me why. Upon logging back into my account, I observed that the transfer was marked Rejected with no reason stated. 

On or about XX/XX/2023, I initiated a bank to bank transfer from within my Chase checking account to pull {$750.00} from XXXX XXXX into the Chase account. Later that afternoon, I got a call from the same number as the call above, but was inable to get to the phone in time to answer. No messages was left and an attempt to return the call was met with a dead end recording and no option to get to a live person Upon logging back into my account, I observed that the transfer was marked Rejected with no reason stated. 

This type of action can not be tolerated. In all cases and valid reason MUST be stated and provided in writing upon request. A valid callback phone must be left to return the call and get to the person that placed it. 

There is a XXXX year unmarred history on this account, so these actions are not warranted. 

I have drawn my balance down to a minimum and will not redeposit any funds until I have a detailed reason as to why these transfers were not processed. From the dates and amounts provided above, Chase will have sufficient information to find the transaction numbers in question to prepare a detailed response.

Chase does not provide a direct way to contact people that take these actions. Customer service is an endless runaround of ineffectiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am Submitting this complaint because illegal practices were preformed and despite numerous attempts this debt has not been verified or validated. Amounts have been changed the account has been removed and re added without any written reasons why or that it was being re added, i have XXXX 120 day late payments i can see but this is not the original creditor so any extra fees and late payments or not valid as i never made a payment and have been disputing this for years. In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}. In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00} In XX/XX/XXXX Account Was Removed and Re Added on The Same Day XX/XX/XXXX There is a 120 Day Late Payment, XX/XX/XXXX There is a 120 Day Late Payment, XX/XX/XXXX has a 120 Day Late Payment. I Never Made a Payment Arrangement and I Have Never Made any Payments To This Company It is a Highly illegal Practice I asked to both validate and verify amounts owed, the breakdown of why i owe these amounts, proof that i am responsible for this debt, a contract with my signature on it and have yet to get any response or validation or verification but they say account has been verified how was this done also throughout this entire process they close then open the account
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,   XXXX  , I sent a letter through Certified Mail, to Equifax disputing multiple inquiries on my credit report that I do not recall authorizing. I do understand that they should n't be allowed to put an inquiry on my file unless I have authorized it. I requested that they be removed simply because the FCRA states that the only permissible purpose for pulling someone 's credit is for either a Firm Offer of Credit, Insurance, Employment or Court Order, none of which applied to these inquiries in question. On  XXXX   XXXX ,   XXXX  , I received a letter from Equifax stating that it was in reference to my question regarding inquiries. Problem is, I never asked a question, I simply stated that my letter was a dispute of the following information on my credit file. They did not honor my request and continue to allow these multiple unrecognized inquiries to remain on my credit file. Since disputing through certified mail, I have called Equifax on multiple occasions requesting to dispute the multiple unrecognized inquiries and have been repeatedly told that they were unable to dispute or remove these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card from XXXX XXXX  and was declined. I was sent a letter explaining why. It says my credit score is XXXX  That is incorrect. My credit score was XXXX now XXXX. It went down probably because of the three applications to credit cards that was declined. 
Can you please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE A NUMBER OF INQUIRES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE OR SIGN FOR. I NEED THESE INQUIRES REMOVED IMMEDIATELY AS IT IS NEGATIVELY IMPACTING MY CREDIT SCORE. ALSO, WHY IS EXPERIAN BUSINESS RUNNING MY CREDIT? XXXX  AND EXPERIAN BOTH RAN MY CREDIT A LARGE NUMBER OF TIME???? XXXX XXXX XXXX XXXX XXXX XXXX non specific Inquiry date: XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Unions Inquiry dateXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date: XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry dateXXXX XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date: XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date: XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry dateXXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX Credit Bureaus Inquiry date: XXXX XXXX XXXX EXPERIAN XXXX XXXX Credit Bureaus Inquiry date: XXXX XXXX XXXX EXPERIAN XXXX XXXX Credit Bureaus Inquiry date: XXXX XXXX XXXX EXPERIAN XXXX XXXX Credit Bureaus Inquiry date: XXXX XXXX XXXX EXPERIAN XXXX XXXX Credit Bureaus Inquiry date: XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Reported : XXXX. XXXX, XXXX You have 0 % left to pay on this loan. 
Monthly payment {$0.00} Opened XXXX. XXXX, XXXX Remarks Chapter XXXX bankruptcy FLAGSHIP CREDIT ACCEPTAN Reported : XXXX XXXX, XXXX You have 0 % left to pay on this loan. 
Monthly payment {$0.00} Opened XXXX XXXX, XXXX Remarks Chapter XXXX bankruptcy
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} Paid/Closed Opened XXXX XXXX, XXXX XXXX XXXX XXXX {$390.00} Closed XX/XX/XXXX XXXX XXXX XXXX XXXX {$570.00} Closed/collection account XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$410.00} Closed/collection account XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} Closed/collection account XX/XX/XXXX XXXX XXXX XXXX XXXX {$390.00} Closed XX/XX/XXXX XXXX XXXX XXXX. 

XXXX {$1400.00} Closed XX/XX/XXXX XXXX XXXX XXXX XXXX {$570.00} Collection account XX/XX/XXXX XXXX XXXX XXXX  XXXX {$1400.00} Open account XX/XX/XXXX XXXX XXXX XXXX {$390.00} Closed account XX/XX/XXXX XXXX XXXX XXXX {$380.00} Closed XXXX XXXX, XXXX XXXX XXXX XXXX {$570.00} Open account XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$410.00} Open account XX/XX/XXXX XXXX XXXX {$1400.00} Open account XX/XX/XXXX 2023
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXX Account Number : XXXX Highest Balance : {$1900.00} Account Name : XXXX XXXXccount XXXX : XXXX Highest Balance : {$1700.00} Account Name : XXXX Account Number : XXXX Highest Balance : {$390.00} Account Name XXXX XXXXXXXX Account Number : XXXX Highest Balance : {$960.00} Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Highest Balance : {$0.00} Account Name : DIS ATTOR OF Account Number : XXXX Highest Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Highest Balance : {$320.00} Account Name : XXXX XXXX XXXX A Account Number : XXXX Highest Balance : {$0.00} Account Name : XXXX  Account Number : XXXX Highest Balance : {$830.00} Account Name : XXXX XXXX XXXX XXXX  Account Number XXXX XXXX Highest Balance : {$0.00} I am writing to request a thorough investigation and correction of inaccurate information on my credit report. These items are either incorrectly reported or have already been resolved, and I kindly ask that they be reviewed and corrected accordingly.
Product: Credit card or prepaid card

On XX/XX/XXXX I believe I sent a letter disputing the validity of a debt due to my wallet being stolen and I was a victim of identity theft. I sent the letter to distressed assist portfolio about a XXXX XXXX credit card in fact XXXX XXXX  had even called me at one point to tell my my account was compromised this was like 2 years ago I thought I had handled it until this collector reached out to me. There response to my letter was to send my bills that the fraudster charged up and tell me I have 10 days to pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently sent several letters to Transunion about the reporting on my credit report involving XXXX, not only is this company violating my HIPPA rights this company has also failed to prove and validate this collection account.
Product: Debt collection

I have reach out to XXXX XXXX  XXXX  / XXXX XXXX XXXX XX/XX/2020 and to no avail, I have not received back the items that were requested in my Validation letter. Instead, i received a computer generated statement XX/XX/2020. Which I'm disputing In accordance of the ( FDCPA ), this has caused me detrimental health concerns due to the fact I have no knowledge of these accounts. 
There also reporting two separate account numbers for the same accounts My credit score has been affected. I am asking for this item to be removed from my credit report.
Product: Debt collection

I am requesting that a fraudulent debt in the amount of {$4000.00} be negated and removed from my Credit report. 

In XXXX, I was invited to join a XXXX XXXX XXXX. I attended a day long seminar describing what was involved. I accepted the membership, with the contingency that I could cancel within three days if I changed my mind. I did indeed cancel within the allowable period. Now, 5 years later, I see a collection in the amount of {$4000.00} owed on my credit report. It says that this amount was placed for collection in XX/XX/XXXX. 

I got in touch with the collection agency, Security Credit Services, who stated that I had taken a loan out with XXXX XXXX XXXX XXXX XXXX of whom I'd neither heard of nor done business with, ever. I asked Security Credit Services for loan paperwork in my name and anything signed by me, to show what this was for To date they have not complied. I called XXXX XXXX XXXX, XXXX and they stated that they have no record of me in their system. I disputed the validity of the debt with three Credit Bureaus. They have stated that the debt is " verified '' and meets FCRA requirements. 

I have neither received a loan in the amount of {$4000.00} nor have I received any merchandise or services in the like. I am therefore requesting that you investigate this issue so I can remove this debt from my name. 

Security Credit Services XXXX XXXX XXXX ( XXXX ) XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX IN XXXX ( XXXX ) XXXX Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX Chase XXXX accounts that are being incorrectly reported to the credit bureaus. After having a difficult time with paying my debt and ultimately nearly going into default I contacted the company who agreed to accept a settlement on the accounts. They agreed to remove the information from my credit report upon payment of the account. I settled the account with Chase XXXX, however they did not follow through with the removal from my account as promised. Please remove these accounts from my report. Regards
Product: Debt collection

In XX/XX/21 I sent a letter to caine and WEINER to verify this debt. The letter was received on XXXX it was sent by certified mail receipt # XXXX. I never received a response or follow up on my letter ... let me say that again I never received a response from this company. This company would love to lie and say they sent me a letter regarding this account ( I would love to see that proof ). As you can see were almost in the month of XXXX. Its been pass 30 days this is a violation Im requesting removal of this account. Not a XXXX dollars but for you guys to honor my rights as a consumer
Product: Credit card

INTEREST CHARGE ON PURCHASES Posted Amount {$330.00} Posted Date XX/XX/XXXX INTEREST CHARGE ON PURCHASES Posted Amount {$42.00} Posted Date XX/XX/XXXX INTEREST CHARGE ON PURCHASES Posted Amount {$970.00} Posted Date XX/XX/XXXX INTEREST CHARGE ON PURCHASES Posted Amount {$77.00} Posted Date XX/XX/XXXX I am writing to express my frustration regarding the payment terms and interest charges on my card. When I initially inquired about making purchases, the sales agent at XXXX XXXX informed me that my overall monthly payment would be {$120.00}. I specifically asked if this amount covered all expenses to avoid incurring any interest, and I was assured that it did and that the payment I make each month will be applied to my older balance. Since then, I and have been making automatic payments of {$200.00} per month. 

Unfortunately, due to personal issues, I was unable to regularly check my statements or account. To my surprise, I recently discovered that significant interest charges have been added to my account from XXXX to date. 

Upon contacting the company for an explanation, I was dissatisfied with the response received. I informed them what the sales representative told me and I was told that " I am sorry for any miscommunication, the payments first goes to the higher balance of any promotions, The customers ' needs to contact us to get the payment allocated to the specific promotion. '' I was not told this by the sales representative and I was not aware I had to do this. I then requested that the interest charges be waived, but was informed that this was not possible. Additionally, when I asked about setting up a payment plan, I was told that it was not an option. Instead, I was informed that I must pay {$1500.00} to bring my account up to date and avoid further interest charges. 

As a long-standing customer, I feel deceived and cheated. I have never encountered payment issues in the past, and I believe that my lack of understanding regarding the promotions and the misinformation or lack of more information provided by a sales representative when I continued making purchases has led to this unfortunate situation. 

I am reaching out in the hope that you can intervene and assist in resolving this matter. Unfortunately, I do not have the means to pay the full amount required to bring my account up to date. I sincerely request your understanding and support in finding a fair resolution. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Checking or savings account

On the XXXX of XX/XX/2022, i deposited {$100000.00} into my Comenity Direct now recently branded as Bread XXXX in order to benefit from their high APY of about 1 %. On XXXX of XX/XX/2022 my Comenity Direct was restricted. I called their customer service on the XXXX of XXXX and i was transferred to the Account XXXX XXXX and i was told to wait to hear from them. I have been calling every 2 weeks for the past 2 months and all they keep telling me is to wait for the back office and they don't know how long it would take. I am a XXXX XXXX XXXX woman and i am down with a XXXX. I put all my life savings into Comenity Direct in order to benefit from their high APY. As a result of Comenity Direct restricting my account and denying me access to my money my life has been unbearable for the past 2 months from sleepless nights and skipping on buying my XXXX medication because i just cant afford it. It is unfair how i am being treated by Comenity Direct.
Product: Debt collection

XX/XX/year> I was served by a sheriff to be summoned to court Collection agency is trying to sue for a debt Patenaude & Felix A.P.C. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/year> I have contacted legal services in regards to this case Please note that this collection agency added me to a subscription text messaging service. There are three text messages from this company. I never subscribed or asked to be added to text messages from this company. 

That is also in violation of rights I am requesting that Patenaude & Felix A.P.C. just stop and sees and assist from any further actions brought forth to XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up regarding the continued presence of inaccurately reported late open accounts on my credit report, despite many attempts to have them corrected. As a consumer, I am deeply concerned about the accuracy and integrity of the information contained in my credit report. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies thoroughly investigate and promptly correct any inaccuracies brought to their attention. However, your agency has not fulfilled these legal obligations in handling my case. The ongoing presence of these late open accounts on my credit report has caused significant distress and financial harm. It has negatively impacted my credit score and hindered my ability to access credit and financial services. I appreciate that you would help conducts an immediate and thorough review of my disputes and expedites the correction of the late open accounts on my credit report. Furthermore, I request written confirmation detailing the steps taken to address this matter and the resolution thereof. Please help me correct these accounts immediately : XXXX XXXX Balance Owed : {$4300.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.
Product: Debt collection

I moved out from an apartment I lived at for 2 yrs. When I moved out they did a walkthrough without me and said that my apartment was damaged and that I owed them almost {$700.00}. I did not feel that what they were charging me for was warranted as I also had taken pictures when I moved out. The Apartment Manager said that I could enter into a mediation if I wanted to dispute. I agreed to do this. 

At the end of XXXX I received a Debt Collection notice in the mail from a company called " Professional Debt Mediation '' stating I had been sent to collections for {$660.00}. 

On Friday XX/XX/XXXX, I called PDM and asked them why I was being sent to collections and that the Apartment company was supposed to do a mediation first, which was not done. I told them that they could not just send me to collection without proving that I actually owed this debt and that the apartment was damaged. I told them that I would file with CFPB, and Attorney General if this was not handled correctly. They said they would try and reach someone at apartment and to hold. They did not get anyone and then the next day I go t an alert on my credit stating they filed this debt with credit agency. 


Here is why I am disputing : 1. The damage, or debt was never substantiated 2. There was no actual Mediation set up 3. The Apartment company XXXX XXXX XXXX didn't send me any statement telling me they were sending me to collections, or mediation 4. There was no attempt from PDM to resolve, or prove that the apartment company did any of this Therefore, I believe this was filed fraudulently and would like this Removed from my credit.
Product: Consumer Loan

TD Bank is refusing to let me continue making payments on my car even though I am ahead of my payments by 4 months. The car was impounded and the police never sent me anything in the mail to come and get it. Then TD Bank picked it up and are not allowing me to take my car back unless I pay for it in full. That is not fair. I have been making payments on time every month.
Product: Debt collection

They attempted to reach me by phone and I notified them that I no longer have a source of income due to an unpaid medical leave. They repeatedly called and sent in profane language emails.