23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear CFPB Representative : I am writing to file a formal complaint against JPMCB ( Chase ) regarding two credit card accounts I held with them. I believe Chase has acted in an arbitrary and capricious manner, violating federal regulations and inaccurately reporting information to the credit bureaus. Below are the key points of my complaint : I had two accounts with Chase, both of which were closed without proper notification. According to my credit reports, the accounts were closed in XX/XX/XXXX. However, I never received any notice from Chase indicating an intention to close these accounts. Despite the account closures, I continued making ACH payments to Chase, including several large payments that should have covered or nearly covered the balances on these accounts. Chase repeatedly returned these payments to my bank, even though they exceeded or matched the amount owed at the time. I contacted Chase several times to ask why my payments were being returned, but received no clear answers.

My credit reports show ND ( No Data ) for multiple months during which I made payments that Chase chose not to apply. In one instance, a Chase representative claimed that the last payment they received from me was in XX/XX/XXXX, but my credit report states XX/XX/XXXX. Both these dates conflict with my own bank records, which clearly show I made payments past those dates. 

In XX/XX/XXXX, I paid Chase over $ XXXX to completely pay off one of the cardsyet Chase has not acknowledged or properly reported these payments. One card had a limit of {$1400.00}, but Chase now claims I owe roughly double that amount. This is inaccurate, given that I have documentation of payments that should have satisfied or significantly reduced the balance.

Although one of my accounts was supposedly charged off, Chases own reporting ( at one point ) indicated it was merely delinquent. This inconsistent information is misleading and harmful to my credit standing. I was recently told by a Chase representative that I must pay in full immediately. However, I have already paid amounts well beyond the original balance due, only to have the payments returned. It appears Chase is disregarding or simply not processing my payments. 

Under federal regulation, Chase is obligated to report accurate information to the credit bureaus. By returning my payments without explanation, failing to credit them to my accounts, and reporting conflicting data, Chase has failed to provide accurate information. 

Thank you for your attention to this matter. I respectfully ask the CFPB to investigate Chases actions to ensure they comply with federal law and accurate credit reporting practices. If you need any additional information or documentation ( e.g., bank statements, returned payment notifications ), please let me know.
Product: Debt collection

Debt paid in full. Reporting a full balance of {$290.00} and late.
Product: Mortgage

I established a HELOC on XXXX/XXXX/XXXX with XXXX XXXX. It is now serviced by Ocwen. It was a 30 year term with a 10 year draw period for a principal amount of {$100000.00}. After the draw period expired, the repayment period began with a 20 year repayment period. On XXXX/XXXX/XXXX I made a payment of {$360.00} as that was showing as due for XXXX/XXXX/XXXX. I am trying to pay my mortgages ahead. As the documents will show, this payment has been changed and applied 9 times. They now show that payment as a principal payment, with an approximate balance of {$100000.00}. I never requested this to go as a principal payment. My 2nd issue is that my payment due for XXXX/XXXX/XXXX now shows {$770.00}. At the current rate of 4.25 % for a 20 year payback, The payment should fall in the mid {$600.00} range, I have attached a calculation. I have emailed Ocwen many times with no response. Calling their customer service is a joke. Per the emails sent I attached, I have requested an explanation with no response. I need your assistance. I have attached a verification of mortgage to show diligent payment history with no late payments. I refuse to make another payment until they justify the payment and the terms of this loan. I have attached the note and mortgage as well. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation.
Product: Mortgage

My account with US Bank Home Mortgage is in the foreclosure process, so I made the decision to sell my home before the process can be completed. XXXX XXXX XXXX XXXX sent a payoff demand request on XX/XX/XXXX and US Bank has given me the run around stating they have no record showing such request, but the attorney 's office is telling me that they have the request and are waiting on the numbers from US Bank. It is now XX/XX/2020 and they have not completed anything, which has been in their hands for 2 weeks now. I was also informed by US Bank that this could take up to two additional weeks to completed which is past the contract date of XX/XX/XXXX. I'm trying to get the bank paid off in full and no one has completed the request to get this completed.
Product: Credit reporting or other personal consumer reports

On my credit report I found an incorrect and negative item. XXXX XXXX reported that I opened an account in XX/XX/XXXX and that I never paid a {$250.00} balance. I filed a dispute with Trans Union twice, and twice they said that they investigated and it was determined to be correct information. It is absolutely NOT correct information. I have NEVER had a XXXX account in my life. I called XXXX today, XX/XX/XXXX, and spoke to their fraud department, financial department, and two general agents. They could not help me locate this account. Ive had the same address and cell phone number for 30 years and Ive NEVER opened a XXXX account. I have also never received a XXXX bill at my home address or any address. I dont know why this landed on my credit report but I would like it removed.
Product: Checking or savings account

I have Checking and Savings accounts at Citibank, N. A. and keep there all my savings for the last 25 years. 

I tried to place a big charge ( {$25000.00} ) on my debit card at a car dealership on XX/XX/2024. The charge was repeatedly denied ( even though I notified the bank in advance that I would be placing this charge ). After that I was told that there was a fraud alert, all my account were placed " under review '' and I could not use them. My attempt to receive a cashier 's check in a local branch to finish the vehicle purchase on XX/XX/2024 was unsuccessful. 

During multiple calls to customer service at Citibank from XX/XX/2024 and on all consequent days, I was told that review would take 24 hours and I would receive a call. As of the night of XX/XX/2024, XXXX full days have passed including one business day, and the issue is unresolved. I still have not heard back from the team that is supposed to clear my account. And they have no direct phone number, so neither I, nor even my Citigold manager at a local branch can reach out to them directly. 
I have bills to pay, and Citibank is not allowing me to use my own money and only keeps repeating that they need 24 more hours. 
Please help in restoring my full access to my own money.
Product: Mortgage

My wife and I applied to refinance our home and a rental home. We decided to use New Rez because they already had the primary mortgage. They promised us a rate on the primary home and then came back after everything was signed and locked in and said they made a mistake and added points that we had to pay for to get the rate that we had contracted previously without any points. Even more frustrating, this process started mid XX/XX/XXXX. They call us occasionally and ask for requirements - which we send immediately. Today they called and asked us for some things that we gave them 22 days ago. They have asked us for unbelievable requests like having {$8800.00} in checking at the end of the previous months, show hundreds of thousands in savings/retirement, which we did, again immediately. They had us pay for an appraisal AND they have us locked in at a rate that I probably cant get anymore or I would certainly go elsewhere. Now it is XX/XX/XXXX and we cant get any answers as to where we are in this process. I cant believe it is legal to string us along for 4 months. I am in the financial industry and I have never seen a business operate like this. If its not illegal it is certainly unethical. BEWARE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I initiated an investigating on my credit file Experian keeps. I never received a response. I again wrote them several times and still didn't receive a response on the file in-question. After my seventh letter, I began to keep a record of Dates, shipping info, and receipt. On or around the XXXX of XX/XX/XXXX, I sent in my 7th letter in because I finally got a response from Experian stating my account was verified. My response at that time, was for them to provide me proof that this filing exist with my signature, and if not to delete the file immediately. Nothing was received, I again sent another letter on or around XX/XX/XXXX. Now at this time, Experian not only broke several violations stated by law, but Experian hasn't even begun to visit the reason for my dispute. 

The account was opened XX/XX/XXXX ... Federal and State statute of limitation has already expired. Also the mere fact Experian hasn't respond to my issue initially, is another grounds for deletion. They are illegally reporting an account which should not be on my credit file, thus causing my credit score to be even lower. I '' ve even tried disputing one last time on Experian 's on Website XX/XX/XXXX & XX/XX/XXXX and was denied, stating " You have previously disputed this item. We are not required to process a duplicative dispute ''. I have included copies of everything I've stated attached to this complaint.
Product: Debt collection

I had an old medical account in which Transworld system picked up i called and asked if i paid the debt will it be removed from my Credit report they stated yes pending payment this was now 3 yrs ago an it has a negative impact on me trying to purchase a house. The company is refusing to help.
Product: Vehicle loan or lease

I purchased a vehicle in XXXX and financed it through ally financial with the dealership. In XXXX the bank seemed to disappear and closed the loan on my credit. They then stated I filed bankruptcy in which I did not. I tried for XXXX years with an attorney to get information but unfortunately didnt succeed. This loan was closed on my credit in XXXX and I disputed this with the credit agencies stating this loan was open and I was making timely payments. Eventually I had no access to anything and wasnt able to even make my payments anymore. I have not received anything from this company since XXXX. XX/XX/XXXX my vehicle was then taken with no documentation. When I call ally it goes to another country only and when you ask where they are located they then go silent or hang up. Its usually in the past been the XXXX. This he caused much damage and continues to now cause me legal damage. This bank has no location in the XXXX and this is a big scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the months of XXXX, XXXX, and XXXX I have disputed the same incorrect medical collection 3 times. This attempted collection is unverified and illegal per the HIPPA act of 1996. The collection agency is unable to verify per FDCPA guidelines. XXXX XXXX still refuses to remove this inaccurate and illegal reporting from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon researching my credit report I uncovered a charge off account reporting delinquent monthly payments. This is reporting as Elan Financial Services, a subsidiary of US Bank. With zero of this account, I attempted contact via phone in XXXX & XXXX of 2022, yet was never able to make any progress. Using the phone number on the tradeline, I called, albeit I would always get a US Bank employee on the phone. Every time they would act like they haven't even heard of XXXX XXXX. After multiple failed attempts at reaching someone on the phone, I sent a series of certified letters in XXXX and XXXX of 2022 to XXXX requesting validation and/or information related to this account. I also detailed that if the account is indeed mine, that I would be willing to pay to resolve the matter to stop it from negatively impacting my credit profile any further. I never received a response from these letters. In early XXXX I finally received a call and spoke to a nice woman named XXXX at XXXX. I asked if she could send me verification of this account such as the credit card agreement that I would have signed, and she agreed to do so. Unfortunately, I never not received this. I called back in yesterday to the same number I spoke with XXXX on and the representative I spoke with acted as if she had more pressing matters to deal with rather than take my money to settle this. She insisted on trying to hurry me off the phone. At the end of each sentence she tried to end the conversation. I was ready with card in hand to pay something, and she didn't seem to even want to take the time.. At this point I explained I was still waiting to receive a copy of the credit card agreement so I can verify this is actually an account of mine, to which she responded that she would submit to have it sent to me again. I asked what if I do not receive anything, then what, and her response was " I do not know sir ''? I want this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled a debt with XXXX XXXX in XX/XX/XXXX with the original debtor being XXXX XXXXXXXX XXXX. XXXX XXXX agreed after the settlement to remove their trade line, which they did. XXXX XXXX XXXX is still reporting the account late, but closed. I shows closed and charged off in XX/XX/XXXX, however, it is reporting late on my credit bureaus reports.
Product: Money transfer, virtual currency, or money service

This actually is n't a " me '' problem. There are reports of consumers getting scammed based on the terms of service of a mobile payments provider. A background on the problem is best expressed through this article : XXXX XXXX XXXX What I perceive as going on here is a violation of Reg E, which I think applies to these type of transactions. Instead of adhering to the standards of Reg E, Venmo is deliberately casting its terms of service in a way that puts the consumer at risk of unlimited fraud liability for electronic transactions that have an opaque clearing mechanism. 

There is a clear oversight on this issue, because much as Venmo should adhere to BSA/AML laws, it should also of the Electronic Funds Transfer Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted all three credit bureas XX/XX/2023 due to new hard inquiries on my reports that was not initated by me. New fraud alert was placed on all three bureas as well. 

Equifax has concluded that it's not fraud but can not provide information on how and is placing all the work on the consumer to resolve this matter. In addition, to dispute further they want consumers to mail ID, social security card, address, and a letter of explanation. 

I'm already a potential victim of fraud and their solution is to mail very private information to dispute. 

XXXX with equifax ( XXXX XXXX ) was not very helpful until I started inquiring more and more to get alternative solutions.
Product: Debt collection

On XX/XX/2016 I filed a dispute with credit reporting agencies after noticing a debt from Account Services was placed in collections on my credit report. They did not attempt to notify me of any attempts to llect a debt, my roghts to dispute, or why they are attempting to collect a debt.
Product: Debt collection

I have a " debt '' with Wakefield and Associates in Colorado. The debt is for {$860.00} for a medical bill in XXXX Arizona with AZ XXXX XXXX on XX/XX/2017. The amount they are saying I specifically owe is the exact amount that my insurance stated it ALREADY paid for the debt. All we owed was {$60.00} co-pay. I logged into the hospital website, viewed the bill, and it stated that my bill has already been paid in full. I faxed documents to the collections and they state that this is not the same bill that I owe ( which is incorrect as I've only been to this hospital one time ). They continually harass and state I owe a bill already paid and use language that it will hurt my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act US Bankruptcy Court Reference # XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting or other personal consumer reports

It seems that someone has been stealing my information at the address of XXXX XXXX XXXX. I do not have any association with this address or account. I tried removing it from my report but I must also dispute the accounts used to open this account. I contacted the creditor on numerous occasion through XXXX and XXXX and I have yet to receive any response. I can prove my identity and any other needed information just let me know what is needed from me.
Product: Credit reporting or other personal consumer reports

Received e-mail from XXXX  : Change : Major Derogatory Account Company : XXXX XXXX XXXX Reported by : XXXX When I logged in it said that {$65.00} was owed on {$1800.00}... don't know anything about this. Can not get a real person to talk to at XXXX. They also said that my e-mail has been found on the " XXXX XXXX XXXX 

Also received e-mail from Capitol One regarding my charge card : There was some activity on your XXXX  credit report and that I should log into Creditwise - part of Capitol One. Visit the Alerts section of CreditWise from Capital One to review a recent change in your XXXX credit report. To protect your privacy, we arent including any confidential details here. 

I need to talk to somebody but all phone numbers go to an automatic system that never puts you in touch with a real person. HELP
Product: Money transfer, virtual currency, or money service

I had applied for a job for an XXXX  XXXX  and they said I had an interview for a job and said I had got the job and they said the company had to pay for supplies for me. They had sent me a check for {$2800.00} on XX/XX/2021. Then I had to send the money that was sent for the check to pay for the XXXX  and other supplies. So I reluctantly sent it because I thought it was apart of the job and I was being reimbursed. I had sent 4 payments one of the XXXX of {$400.00} and three on the XXXX for {$500.00}, {$1000.00}, and {$900.00}. Then they sent another check for an upgrade for the XXXX and more programs for the internship. Then I again did not look for any signs XXXX, and then continued to send more money totaling up to {$4800.00} on XX/XX/XXXX.
Product: Credit card

I am writing to formally lodge a complaint against Chase Bank for its inadequate response to my dispute regarding fraudulent charges amounting to over {$72000.00} from XXXX XXXX XXXX, a XXXX  scheme based in XXXX. Despite providing XXXX XXXX  XXXX with comprehensive documentation, my case has not been resolved satisfactorily, and I am seeking your intervention. I submitted a XXXX page document detailing the fraud, which included transaction records, communication with XXXX XXXX XXXX, and evidence of their XXXX  scheme operations. 

Under Federal Law, it is Chase Banks 's duty to fully investigate ALL of the charges and provide provisional credits while the matter is investigated. Chase Bank has FAILED to address ALL of the charges resulting from this Ponzi scheme defrauding me. As of the last week charges have been placed back on my credit cards placing considerable financial strain on me.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX 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 in XXXX and XXXX o 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 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

I am filing this complaint as I can not have a debt on my credit report taken out of dispute. I have a collection from Convergent Outsourcing ( XXXX ) who is reporting to XXXX and XXXX as in Dispute. I have called Convergent Outsourcing who has told me that it can not be taken OUT OF DISPUTE until its paid. I have called XXXX and XXXX multiple times to have it removed from dispute. They keep telling me it will be removed in 72 hours only to have my mortgage loan officer pull a new report to show its still in dispute. 



I am not able to move forward with purchasing a home until my account is taken out of dispute. Please help me with this matter. 


Thank you, XXXX