23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Well Chase is at it again. 

This relaters to XXXX of my bank accounts. XXXX ending in XXXX, the other in XXXX. 

On Wed XXXX XXXX at approx XXXX in the XXXX I checked my bank account and noticed a pending overdraw in my XXXX account in the amount of {$27.00}. This is despite the fact that I have overdraft protection which should have covered the overdraft. Perhaps since it was a " pending '' overdraft it had n't kicked in. So TO BE SURE TO AVOID OVERDRAFT OR FEES I got out of bed, put my boots on and walked through the snow to the bank ( at XXXX ) and deposited XXXX dollar to cover the pending overdrawn account. When I got home I checked online and my account was covered, no pending overdraw, no negative. 

My XXXX account was also in the positive. 

So I went to bed sure that I had avoided overdrawing my account. 

When I woke up this morning XXXX XXXX and checked my account online my account XXXX was overdrawn by XXXX which included a late fee. The amounts shown were totally different than they had been the night previous ( ie. the debits were in amounts exceeding what was shown only hours earlier so it was not an accurate reflection of anything in my account ) But even more disturbing, my account ending in XXXX, which only hours earlier was positive with nothing pending, was now overdrawn by {$130.00}. WITH XXXX LATE FEES and balances that bore no resemblance to what my account had shown only hours before. I know as a fact my account was positive only hours before. 



The check for XXXX that had supposedly overdrawn my account on XXXX XXXX had now mysteriously appeared, though I know as a fact that it had not appeared in my account on XXXX XXXX because I was at the atm and online at XXXX on XXXX XXXX checking my account. 

Chase has always had a " pending '' period during which I could cover a pending debit. Not only did this now happen, but transactions appeared a day later than they HAD SUPPOSEDLY POSTED. This is either a glitch or a purposeful way to cheat people. Either way, it 's wrong. 

My online and atm balances were not accurate and there was simply no way for me to responsibly keep my balance positive.. I WAS AT THE BANK AT XXXX to put money in and check my accounts!!! 

I now have XXXX dollars in unfair fees that clearly I ca n't afford. 

Of course Chase wo n't help. 'All my fault ' is all they say But this was not my fault or fair. Check the records and you will see that the information provided to me about my accounts was not accurate. 

1.My overdraft protection did not work right. 
2. Chase 's online and atm balances were not accurate and did not provide information to me to allowed me to monitor my accounts. In fact they were actually deceptive, hiding a transaction and then showing it a day after it had supposedly posted. 
3. But their fees work just fee ... as always.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted disputes to XXXX XXXX, and Equifax. I have yet to get a response on the investigation. This is in violation of the law as it has been more than 30 days.
Product: Credit reporting or other personal consumer reports

EXPERIAN is furnishing incorrect credit reporting information. I have contacted the company to remove the improper credit information from the credit profile, including credit holder names and addresses designated on the profile. This information includes the name and address of the profile holder. Below are the names and addresses that need to be removed from the consumer profile : INCORRECT NAMES : XXXX XXXX Name ID # XXXX XXXXXX/XX/XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXXXX/XX/XXXXXXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXXXX/XX/XXXX Name ID # XXXX INCORRECT ADDRESSES Address ID # XXXX Single family Address ID # XXXX Single family Address ID # XXXX Single family Address ID # XXXX Multifamily Address ID # XXXX Multifamily
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX  - XXXX XXXX  - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX ss # XXXX XXXX Address XXXXXXXX XXXX XXXX XXXX XXXX ca XXXX Account name XXXX XXXX ACCOUNT # : XXXX I have sent a dispute XX/XX/2024 stating this collections must be deleted and removed Company above responded that they sent a validation notice to me and the United States post office indicated that it was delivered. This statement is not accurate when I have never received validation notice and the company has not attached the validation notice in their response THIS IS MESLEADING and FALSE REPRESENTATION 15 U.S. Code 1692e - False or misleading representations I also requested an ORIGINAL PURCHASE AGREEMENT in which I never received in an email fax or mail So this account must be immediately deleted and removed Due to NO DEBT VALIDATION!

15 U.S. Code 1692g - Validation of debts Also company XXXX XXXX XXXX never showed proof of a real investigation. No procedures in case of disputed accuracy! there is no investigation being done by company delete this collection asap 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code
Product: Credit card or prepaid card

Dear CFPB, In XX/XX/2018 I contacted Citigroup regarding a problem on my account ( see attached letter Letter to Citigroup XXXX sensitive information in the email XXXX ) describing in details that a service that they provide to other customers of suppressing sensitive account information, such as account balance, amount of available credit, and amount of minimum payment due, in unsecured emails was not provided to me. 

Following my initial request in XX/XX/2018 I contacted Citigroup several times when I was receiving unsecured email messages that contained sensitive account information and exposed my account balance and other financial information to unauthorized third parties that handled the delivery of the unencrypted email message via the Internet. 

On XX/XX/2018 Citigroups executive response unit representative XXXX XXXX sent me a letter a copy of which is attached as response from Citigroup XXXX unsecured emails XXXX ) in which they claimed that my concerned was addressed, that the email messages being sent to me contain only the last four digits of my account number and do not contain any other sensitive information. XXXX XXXX response also contained a sentence informing me that Citigroup considers the matter resolved and will no longer respond to my inquiries regarding the fact that the email notifications I receive from Citigroup contain my account balance, minimum payment and available credit information. 

I have to emphasize that Citigoup provides the service that I requested of suppressing sensitive information in unsecured email messages to other customers, however they would not attempt to troubleshoot the issue related to my account and therefore my account is adversely affected. 

For Citigroups reference I am enclosing the last 12 statement notification emails that were sent to me via unsecured email messages. All of the messages contain sensitive information and most of them were sent to me after XX/XX/2018, the date that XXXX XXXX claimed that the matter related to this issue is resolved and Citigroup refused to consider any further communication from me regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

For several years, Ive been getting harassed by XXXX XXXX, in regards to a debt that is incorrect. I have provided proof of payment to my bank, as well as all of the major credit bureaus, in which have ALL sided with me, in the past, & Ive successfully been able to remove the false report from my credit report. Recently, XXXX XXXX has reported to Experian, in which I disputed & provided proof of payment, but Experian is refusing to remove the false report from my credit report. I paid {$940.00} on XX/XX/27 to have the account closed! This included the cost of equipment & any/all termination fees. On XX/XX/27 I was charged an additional {$230.00}, in which was incorrect & unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my reports and noticed you are reporting the incorrect high balance, incorrect date of last activity, and incorrect payment history for account ( XXXX XXXX XXXX ). Because the date of last activity, term length, and payment history being reported by your company, XXXX, and Equifax are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being 100 % accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. Please delete this account immediately!
Product: Bank account or service

I made a wireless transaction through my checking account ( TD Bank ) on XXXX XXXX 2016. The money was not transferred to the recipient, it is 2 months since. There was an error in the account number but the bank name, branch, address and name were correct. TD bank has not been able to return the money back to my ( sender account ) or provide a resolution in a timely fashion. TD bank did not pursue this matter, and the only time they get in touch with me ( customer & initiator of wireless transaction ) is when I call or see them at the bank.
Product: Payday loan, title loan, or personal loan

In XXXX of 2022, I signed a contract with XXXX XXXX to install a solar system on my house, with Goodleap financing the loan. 

On XXXX XX/XX/2022, XXXX XXXX began the installation on my house and told me that they would be back to following day to finish it as well as begin the process to have it inspected and permission to operate. 

XXXX XXXX then closed for business, but triggered my loan to be due with Goodleap. 

I tried talking to goodleap several times, and had been told that the loan payments would begin, and that they were aware of the issue with XXXX XXXX. 

I filed my first complaibt with the consumer finance protection agency against goodleap in late XXXX, and received a response from Goodleap saying that they had contracted XXXX to finish all of the installations and take up the warranty and repairs. 

On XXXX, a project XXXX from goodleap named XXXX contacted me via phone and told me that XXXX should be contacting me within XXXX weeks and that they Goodleap was going to defer my payments indefinitely until XXXX completed my system, but that interest would continue to accrue while the payments were deferred. 

On XXXX, i received a bill saying that my payments would still be due starting on XXXX XX/XX/2022. I tried calling XXXX, but was unsuccessful in contacting him and have yet to receive a return call. 

I velieve that Goodleap is just dragging their feet and making excuses hoping that I will just make the payments until it " gets resolved ''. 

At this point, i have no interest in allowing XXXX, who has terrible reviews and customer service, near my house or touching anything. I have no interest in continuing to deal with Goodleap and their non existent customer service. I would like goodleap to come and get the XXXX equipment off of my house, fix my roof, and terminate my loan due to breach of contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I was notified by Chase my Credit Score dropped significantly down to XXXX. I logged on to my account and found the credit card that I am still actively using and making payments for was no longer part of my credit report. It shows as not available. In XXXX, the XXXX years of payment history was shown and my credit score was at the correct level. Now in XXXX, the XXXX years of payment history no longer shows on my credit report with XXXX. I spoke to chase on phone and was told the dispute comment is causing the issue. I requested the dispute comment to be removed and was told it would be resolved. I also contacted XXXX on XX/XX/2021 and was told they would investigate it. The personal XXXX credit report number was XXXX but I had to contact them via phone to access the results. I waited until XX/XX/2021 and contacted Chase to find they did nothing to resolve the issue and my payment history and active credit card account of XXXX was still not restored to my credit report. It's weird because I'm still making active payments and using my credit card. The usage, balance, credit limit, account status, highest balance, payment status and late payments are all missing. The account is not in dispute so I'm not sure why Chase reported that to the XXXX bureau. Chase told me that the comment was what caused the payment history and information to be removed from my credit report. However, I spoke to XXXX on XX/XX/2021 and was told that dispute comment has nothing to do with credit history and Chase needs to report the payment history again to restore it to my account. I've been fighting back and forth for the past XXXX weeks to get this issue resolved. This is the third consecutive year that Chase has somehow managed to XXXX up my credit history and ruin my credit score because they failed to report my payment history and credit card status accurately. I'm missing XXXX years worth of payment history due to their negligence. I was told by XXXX today on XX/XX/2021 that under report XXXX that they should remove the dispute comment and will look into the payment history. However, only Chase can report the payment history and credit card status to be restored to XXXX. XXXX can only receive and use the information for credit score purposes. I'm frustrated because I'm not sure who is telling the truth and would like this resolved promptly. Thank you.
Product: Debt collection

On XX/XX/XXXX, at XXXX XXXX, a call from XXXX left a voice mail on my cell phone. I couldn't quite understand the name, but it sounded like " the law office of Philips & Collins '', calling about an outstanding debt. I didn't hear this message until XX/XX/XXXX, because ( a ) I don't use my phone very much, and ( b ) I rarely receive a legitimate voice mail on my cell phone. I've received several of these " unpaid debt '' messages in the past, but I merely ignored them, because the fact that I have no outstanding debt is a dead giveaway that these calls are scams trying to steal people 's money. The message left instructions to call XXXX, XXXX XXXX, and inquire about reference number XXXX. I assume these con artists have called my home phone also, but I have XXXX there to block this kind of garbage. Thank you for going after these predatory low-lifes. Tar & feathers would be a suitable punishment for them, but jail is an acceptable alternative.
Product: Credit reporting or other personal consumer reports

XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent.

I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION and XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Re : Request for Removal of Charge-Off Account Account : XXXX  Account Number : [ XXXX ] Dear Sir/Madam, I am writing to formally dispute the accuracy of the information being reported on my credit report under the account listed above. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq., I am exercising my rights under federal law to challenge the validity and completeness of this account 's reporting.

Under Section 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a detailed description of the investigation they conduct within 15 days of receiving a consumer 's dispute. Therefore, I request that you initiate a thorough investigation into this account 's history and provide me with the following information : 1. The Original Creditor 's Verification : Please verify the accuracy of the reported information with the original creditor, including the date of first delinquency and the accuracy of the balance owed.

2. The Date of First Delinquency : According to my records, the date of first delinquency and subsequent charge-off XXXX have been reported inaccurately. Please confirm this date, as it is critical in determining the reporting period. 
3. Verification of Account Status : The current status of this account appears inconsistent across the various credit reporting agencies. Specifically : o TransUnion reports the account as Charged off as bad debt with a derogatory rating and mentions Dispute resolved ; customer disagrees. 
o XXXX reports Subscriber reports dispute resolved - consumer disagrees, noting an unpaid balance reported as a loss. 
o XXXX lists the account as Amount in high credit original charge-off amount and mentions Consumer disputes after resolution.

4. Inconsistent Payment Histories : The payment history reported by TransUnion, XXXX, and XXXX varies significantly, reflecting discrepancies that cast doubt on the accuracy of the account information. 
Given these inconsistencies, I believe that this charge-off account may not be reported accurately or in full compliance with the FCRA. Therefore, I am requesting that this account be removed from my credit report immediately, or that you provide conclusive evidence to support the continued reporting of this account.

If you are unable to verify the accuracy of this account, I expect you to remove it from my credit report within the legally mandated 30-day period. Additionally, please provide me with a copy of the detailed investigation report as required by Section 15 USC 1681i ( 7 ).

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your receipt of this dispute and the results of your investigation. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : XX/XX/year> SSN : XXXX
Product: Credit reporting or other personal consumer reports

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2, company has NO permission to report ANYTHING using using my info pursuant to 15 USC 1681 4
Product: Credit reporting or other personal consumer reports

Pursuant to 15 USC 1692g and in accordance with the updated fair debt reporting Act ( FDRA ) guidelines, all accounts referenced on my credit report are to be expunged from the report. Additionally, in accordance with 15 USC 1681c-2, all inquiries are mandated to be removed from my credit report.
Product: Vehicle loan or lease

Account holder has not deleted off all credit reports like agreed. Account is closed in good standing.
Product: Mortgage

On XX/XX/2019 I received my XXXX XXXX County, Kentucky property tax notice for my home. The gross amount of my taxes was {$2000.00}, but I called Mr. Cooper ( my mortgage company ) to see if they would pay it early so I could get a small discount and pay only {$1900.00}. The person who helped me on the phone said that she would make a note for early payment. 

On XX/XX/2019 I received a notice from Mr. Cooper stating that my taxes were paid. However, the information in the notice did not match my property. The notice said that taxes were paid for the wrong property ID in the amount of {$2600.00}. Once I noticed that the property ID number did not match my own, I contacted Mr. Cooper and let them know. When I looked up the property ID, I found that it was the property of my neighbor who is in a homeowner 's association with me. Meanwhile, my escrow funds had been used to pay my neighbor 's property taxes, leaving my escrow account with a negative balance. 

On XX/XX/XXXX I contacted Mr. Cooper and let them know about the error and requested that I speak to a manager. I was told that the issue would be researched and taken care of, but it still has not been resolved. My taxes still have not been paid, while my neighbor 's taxes have been paid twice. 

This is issue also occurred last year, and I ended up having to use my savings to pay my property taxes to avoid having a lien put on my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage loan was sold to XXXX XXXX  not by my request. They obtained the loan XX/XX/2018 and have not reported to any credit bureau as a result one of my credit lines was decreased and my credit score dropped several points. I called XXXX XXXX and was told they don't report new loans for 90 days By Law and that they would not report my account until XXXX. I called back due to not being satisfied with the answer received and spoke to a supervisor and was told they don't report right away to give the customer time to adjust to them as a new client. The supervisor advised me they would report this month XXXX which is different than what the representative told me. This is completely disappointing.
Product: Checking or savings account

I read Wells Fargo article and found your link. Seeing if I qualify for any WF illegal activities between XXXX XXXX
Product: Credit reporting

TransUnion is reporting incorrect facts regarding a Bankruptcy on my credit report. TransUnion maintains that they " verified that the Bankruptcy is accurate. '' I requested to see TransUnion 's method of verifying the Bankruptcy per FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) to include : a ) The name of the Courthouse, ( b ) the person 's name they verified the dispute with ( c ) the address ( d ) the telephone number and ( e ) the documentation used to verify the dispute. 
Per FCRA, credit reporting agencies are required to conduct investigations of disputed items with the " furnisher '' of information, not third party sources such as XXXX of XXXX XXXX. 
The Bankruptcy listing must be reported accurately FCRA, Section 609 a ( 2 ).