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

On XX/XX/2023, two transactions were fully processed through my Chase bank checking account. One of the transactions was for {$35.00}, and one was for {$110.00}. On XX/XX/2023, I deposited {$220.00}, covering both transactions and leaving a positive balance in my bank account. I followed my agreement in depositing to the account within 24 hours, and I was still fraudulently charged two fees by Chase Bank. I opened a case with the executive office, and they refused to refund me. I have transaction details as proof of my deposit and dates. The dates on the executive letter from Chase Bank denying my claims contradict the dates on my transaction detail page. Chase Bank is committing a blatant unethical act of fraud by a large bank ruthlessly charging illegal fees to consumers like myself. I closed my account immediately because I do not support unethical banks, and I was a victim of Chase Bank 's illegal practices. I would not be surprised if these practices result in the many class action lawsuits Chase Bank has already had over illegal fraudulent fees.
Product: Credit card or prepaid card

I have a BestBuy credit card through Citibank. About a month ago I tried to setup online banking. For some reason there was an error. I contacted support and spent over XXXX minutes on the phone with different levels of their customer service. No solution could be resolved and I was told I would be called back. I provided my number and was never contacted back. 

Today, I tried making a payment which usually is simple over the over the phone. But it sent me right to customer support. Where I was told I was supposed to receive a confirmation code or something along those lines. Which I never did in the past month. 
So I was unable to pay my minimum. So I will be charged interest and a hefty late fee now. 

The customer service seemed incompetent when I talked to them about the issue. I can barely hear them when I call and I have trouble understanding them too. I tried calling Citibank directly but that lead to a dead end. 

At this point I just want this credit resolved so I never have to deal with this support or bestbuy/citi bank again. I've over an hour and a half of my time trying to solve something that seems to be simple. 

Thank you for your time and I look forward to hearing back.
Product: Mortgage

I have been dealing with the loss draft department at XXXX XXXX XXXX XXXX  and they are practicing unlawful enrichment. harassment, unethical and illegal practices in regards to money that is in a restricted escrow account paid out by my insurance company. They have held on to my money ( over 11,000 ) for over 3 months now even though I have provided all of the necessary paperwork proving I have had the work done. Including inspections etc even the the insurance company and I agreed to a monetary settlement. They give me ridiculous excuses, can't find paperwork, send the inspector with the wrong paperwork etc. I would like an investigation into these illegal practice that that have caused me pain, distress and emotional turmoil
Product: Mortgage

Seterus settled with me when I was in trouble to pay. Many bank at that time wave their fees due to a regulation they were agreed with. But Seterus didn't listen then carried all the fees and sold my loan with all the fees. I asked Mr. Cooper to waive them, He refused. Would you please ask him to remove all the fees that he wasn't part of. Seterus sold him the loan, but wasn't the fees.
Product: Checking or savings account

Bank of America is charging me overdraft fees on top of returned payment fees. I have had bank fees assessed duplicate times. Often the 'fees ' are just loans are at around 100 % interest or more. I have been assessed thousands of dollars of fees even after requesting that the bank turn off overdraft protection.
Product: Debt collection

Identify theft my ex kept my information use it to make a loan with XXXX he was helping me to repair my credit. 

XXXX XXXX # XXXX {$7500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having an issue obtaining my credit report with  XXXX ,  XXXX  and Transunion. I have called all  XXXX  of the companies and they have told me that there is no block or freeze placed on my credit. When I try to sign up for consumer credit monitoring websites, I am receiving messages like : " Your personal information does n't match with credit bureau records ''. I am including a screenshot o f one of the websites for review. I need to be sure that the credit bureaus have the right personal information on file for me. I have researched this issue and I have come across several one star reviews and complaints by consumers who have other perso ns ' information on my credit report and this is what causes issues like these. A bank was able to pull all  XXXX  reports for me back in  XXXX   2017  so I do n't know what has transpired since then to suddenly cause incorrect information to appear on my credit report. I am also going to include a copy of my driver 's license for the CFPB 's review with my current address and name. Please see attached.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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

On XX/XX/XXXX, PORTFOLIO RECOVERY add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the PORTFOLIO RECOVERY has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit card or prepaid card

XXXX was asked on XX/XX/XXXX and XX/XX/XXXX to transfer an overpayment of {$1900.00} electronically to my XXXX XXXX XXXX  account. This is because the accidental overpayment caused a large over draft to my checking account. After first saying they could, they refused to electronically transfer and instead sent a check snail mail, causing the customer to suffer prolonged overdraft. Again, XXXX should immediately credit my checking electronically. Once processed and deposited electronically, they can cancel any check that may have been sent.
Product: Debt collection

I checked My credit report and noticed that a collection account was added to my report without my knowledge. I sent out a debt validation and the company refused to validate my debt, violating my consumer rights.
Product: Mortgage

Hi. Today, I received an email notification from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) informing me that I was awarded a total of {$26000.00}, which was allocated to M & T Bank. 
These funds were intended to prevent my home from going into foreclosure, yet M & T Bank attempted to foreclose on my home anyway. 
At the time, I was only delinquent by {$2200.00} on a fixed-rate XXXX XXXX mortgage with a 2 % interest rate and a monthly payment of {$370.00}, while M & T Bank had received over {$12000.00} from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied to these companies for any credit check. I never even saw these on my report until it dropped over 50 points on XX/XX/XXXX I never gave anyone or any company permission to run any credit or social security number for approval for auto or credit cards at any point. 

XXXX XXXX Inquiry : XX/XX/XXXX Auto financing XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX CREDIT PLUS Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

Someone has been using my information to apply for credit card banks loans cars and ruin my credit I have been trying to report fraud and almost had a XXXX XXXX with one credit bureau now I have over 27 hard inquiries that are not mine and secure loans saying I missed payments and XXXX account says missed payments I never opened the accounts please help me fix this identity fraud issue and customer statements I never wrote or applied to my credit I need off
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX bank XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation
Product: Debt collection

I 've contacted Advanced America Cash Advance trying to settle my debt.and acquire a payoff my interest rate is 222.10 percent. They refuse to give me the requested information. I no longer want to owe them money. They have been rude and uncooperative. I would appreciate your assistance in this urgent matter.
Product: Debt collection

Please see attached screenshot showing Nelnet is charging me interested on my E student loan during the CARES act timeframe when no interest should be charged.
Product: Debt collection

I was not aware of debt until XXXX 2016, when I ran my credit report then I learned couple of collection claims on my credit report I immediately contacted the bank ( XXXX Bank ) and their collection company Midland funding to provide me with the validity of XXXX collections claims and since I do n't have or utilized the credit or received any goods, monies and services of their claims, I requested them remove the validity of any such claims from my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/23 Capital One Auto Finance reported my car as a charge off which is incorrect, the account is paid off. 

XX/XX/23 Capital One reported a closed paid charged off account. 

XX/XX/23 XXXX XXXXXXXX XXXX reported pay off late and kept reporting negative items for XXXX  years
Product: Credit reporting

XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX TransUnion Consumer Solutions, XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX {$1100.00} XXXX {$1100.00} XXXX {$110.00} {$1100.00} XXXX CHARGE OFF XXXX/TU/XXXX Late Dates : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$290.00} XXXX {$290.00} XXXX - {$290.00} XXXX CHARGE OFF XXXX/TU XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX {$0.00} {$0.00} {$0.00} XXXX CHARGE OFF XXXX/TU/XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX TransUnion, XXXX and XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
Product: Checking or savings account

Discrimination : American Express National Bank closed my account, in part, because I am transgender. 

My account was closed for " suspicious activity ''. Part of that activity was that my email address and my legal name do not match. I have informed the bank and its 3rd party customer service company on several occasions that my legal name and preferred name do not match because I am transgender.
Product: Bank account or service

Usaa try to close my account and do n't want to do business with me because of a defect of not including the number on my account
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with credit collection systems. I do not have a contract with XXXX XXXX XXXX. They also did not provide me with the original contract as requested. This item was also included with a fraudulent attempt when my identoty was stolen via online in XXXX of 2021 where my social secruity number, drivers license informaiton, and email were compromised by a data breach. I also have had several fraudulent inquiries made that I did not give permission for with several companies. I would like for their to be a correction to my credit report. I demand that these items be deleted immediately. 



ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT " XXXX XXXX XXXX " ACCT XXXX, HAS VIOLATED MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT " XXXX XXXX XXXX '' ACCT 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 XXXX XXXX A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had two first XXXX XXXX XXXX  open in my name that I didnt do they were made by an identity theft I reported it to them to all three bureaus which they took fifteen days to say the illegal verified three times and they not removing the illegal accounts. Then XXXX reported to my 3 credit bureaus that I had an account that I didnt open and then when I disputed it they put a second account there. Experian wont remove anything from account even when I showed them that both XXXX and XXXX took it off. Then XXXX XXXX  have an account listed on there that I didnt open someone had robbed me of my wallet and opened a bank account in my name and overdrawn it. Im tired of being penalized for what I didnt do. Please help me resolve these issues Im homeless sleeping in a car because of the reporting agencies and fraudulent accounta
Product: Credit card or prepaid card

XXXX XXXX has been requesting a FULL refund/reimbursement of the Chase Reward Points and Cash ( {$1300.00} or XXXX points ) used to purchase XXXX ticket reservations : Trip ID : XXXX XXXX Confirmation # XXXXXXXX XXXX XXXXXXXX FOR PASSENGERS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. 


Under XXXX Flexible XXXX Policy, if a passenger is unable to fly due to contracting XXXX, they must submit proof of being XXXX with XXXX, then XXXX will refund the value of the tickets. On XX/XX/XXXX, we summited formal proof of XXXX results. Still no refund has been made and no acknowledgement of the request has surfaced. We are requesting assistance form the Consumer Financial Bureau to help correct this situation as no other methods have proven effective.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone the authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. 

XXXX XXXX {$1000.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX {$360.00} XXXX XXXX XXXX {$15000.00}