23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I opened a credit card account with Chase XX/XX/XXXX. I have made timely payments the entire time ( see attached payment printout ). Payments being due the 6XX/XX/XXXX of each month ( see attached billing  printout ). 
XX/XX/XXXX they placed a late fee on my account. On XX/XX/XXXX ( 2 days later ) I made the requested payment of {$92.00}. The refused to remove the late fee, which was fine, even though the date had changed after 2 years of it being on either the XX/XX/XXXX, or 6XX/XX/XXXX of each month. 
My complaint is that once they received the {$92.00} payment, they froze my account, and upd the payment to {$350.00} which they requested be paid in full before the account would be released for use. This is ABSURD!! I continued to make payments, while trying to reason with them, however they continued to add late fees, as the entire {$350.00} was not paid all at once. 
I have sent numerous communications to them to remove the freeze, to put the payment back to what it was, and to STOP charging me late fees, as I was not going to make a payment of {$350.00}. 
They refused, continued to place the late fees on the account, as well as continuing with the ENORMOUS payment amount request, while threatening my credit. Even though I continued to make payments. 
I have worked hard and paid all my bills on time in order to have good credit including this CHASE card. 
I do NOT need or want this credit card any longer. I do however want them to remove the late fees, and put the payment amount back to amount it initially was of {$92.00}, if they want to be paid, or even lower, as nothing has since been charged against this account nor will it be. 
Credit cards are killing Americans, not because people cant or are not paying them, although I have stated I will stop payment if this is not corrected, its because Credit Card companies such as CHASE are allowed to illegally scam their good customers for NO REASON!!! Credit scores are a joke in the US, especially when you have credit card companies committing fraud such as CHASE. 
Solution is quite simple if they want to get paid : Remove all late fees, return payment amount to the amount it should be {$92.00} or less, and CLOSE this card, as I no longer want to do business with JP Morgan Chase Bank. They are CROOKS! They have refused to CLOSE the account because there is a balance, and clearly so they can continue to add late fees based on the exorbitant payment amount that they out of the blue increased over a ONE TIME LATE PAYMENT BY 2 DAYS! 
The fact they are crooks should actually - negate this account in its entirety. 
I appreciate your time and assistance with this issue and look forward to a solution. 

Thank you XXXX XXXX XXXX
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. 
XXXX XXXX XXXX  Account # XXXX ( Transunion ) and 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: Debt collection

Hello, Im shocked, surprised, XXXX XXXX both XXXX  and XXXX  to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. After reviewing my report, I noticed the following entries contain errors : **** : XXXX  XXXX XXXX DELETE ACCOUNT XXXX : XXXX  XXXX DELETE ACCOUNT XXXX : XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX : XXXX  DELTE ACCOUNT I am disputing these items based on their inaccuracy, supported by recent developments and findings in legal cases against credit reporting agencies, including XXXX and XXXX XXXX 

XXXX. Recent Lawsuit Findings : In separate rulings, courts have determined that XXXX and Experian failed to maintain reasonable procedures to ensure maximum accuracy of consumer credit information. These findings highlight systemic issues within the bureaus ' processes that may directly impact the accuracy of reports like mine.

2. Consumer Reporting News : Reports have surfaced indicating that systemic flaws in the verification and dispute-handling processes of XXXX and Experian have led to widespread errors. As a consumer, I expect these bureaus to uphold their obligation under the Fair Credit Reporting Act ( FCRA ) to report accurate information and conduct thorough investigations of disputes. 
Under the FCRA, I am requesting : XXXX. Immediate investigation into the disputed items listed above. 
XXXX. Removal or correction of the inaccurate information. 
XXXX. An updated copy of my credit report reflecting these corrections. 
I have attached copies of supporting documentation to aid in your investigation, including : A copy of my credit report highlighting the disputed items. 
Documentation supporting my claim of inaccuracy. 
Please conduct a thorough investigation and provide me with a written response regarding the outcome within XXXX  days, as required by law. 
Thank you for your attention to this matter. I look forward to your prompt resolution of these inaccuracies. 

Sincerely,
Product: Mortgage

I have been trying to resolve an issue for almost two years with Chase Mortgage, and can not get results. I am currently in Chapter XXXX bankruptcy, and making my payments regularly. We did not include our mortgage as part of our bankruptcy, so with the interest rates going so low we decided to look into refinancing our home. We met with a Chase Mortgage Banker, but he said we are a month behind on our payments. We have never missed a payment, and have records to prove it!. I have called Chase multiple times to try and resolve this issue and all we get is a run around. They never call back as promised, they never mail statements to show where or when we missed a payment, nothing. The Chase Mortgage Banker, admitted that Chase has lost customer payments in the past especially when Chase buys mortgages from other banks, which is what happened in our case. We originally had our Mortgage with MetLife, and did not have any issues until Chase got involved. 

Can you help?
Product: Credit card or prepaid card

I fell behind on credit card payments for my Capital One Card. I called on XX/XX/2017 and worked out a payment plan with them for {$32.00} a month at 4.25 % interest for 60 months. The next month, I start receiving collection notices from a collection agency for the balance due. I have continued to make the payments of {$32.00} to this day to the Capital One Card. They are still reporting the account as open and delinquent in addition to the new collection agency. 
In addition, I have tried resolving it with Capital One Card and they will not even speak to me and told me that my payments had bounced in which they had not. I tried to dispute with the credit reporting agencies to no avail.
Product: Checking or savings account

I banked with CHIME for roughly 5-6 years. During this time I have witnessed CHIME not do it's due diligence in investigating bank disputes/errors. On XX/XX/XXXX  I started a dispute for fraudulent activity on my account. I've sent all the necessary documentation including the police report and the email from the company XXXX stating my refund was approved and sent to CHIME. This dispute is still open 90 days after the initial dispute claim and after the email. CHIME won't close out the investigation stating it needs more Information. When asked what information is needed, no answer can be provided. On XX/XX/XXXX  I initiated another dispute against fraudulent activity, with the same company XXXX, and again provided all documents. XXXX acknowledged the refund amount and approved it on their end. CHIME denied my claim after 2 hours of investigation, even with the email from XXXX. I called XXXX trust and safety supervisor to which I was provided the number for and asked about the investigation process and I was informed that no representative from CHIME contacted them in regards to this matter. So how did CHIME proceed? I closed out my account with CHIME on XX/XX/XXXX  because I'd rather stuff my money in a mattress rather than let incompetent individuals with no banking intelligence to keep my money safe.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Complaint Complainant Information : Name : XXXX XXXX Email : XXXX Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Subject : DEMAND for Immediate Removal of Alleged Late Payments from Credit Report Complaint Details : This is a formal and unequivocal demand for the immediate removal of alleged late payments tied to the following account : XXXX, Account # XXXX Under consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and related legal precedents, transactions and experiences between a consumer and a creditor are not to be reported on credit reports. These alleged late payments are therefore unlawfully being reported. 

Reporting this account with alleged late payments constitutes an illegal act of defamation and misrepresentation, causing undue harm to my credit profile and financial standing. This is a blatant violation of my rights as a consumer, and I will not tolerate this misconduct. 

I am demanding the following : The immediate and permanent removal of the alleged late payments associated with the above account from all credit reporting agencies. 
Written confirmation that these inaccuracies have been corrected and that my credit reports fully comply with the law. 
Failure to resolve this matter promptly will leave me with no choice but to escalate further, including filing additional complaints with other regulatory agencies, issuing formal notices of dispute to all relevant parties, and, if necessary, pursuing legal remedies. 

This issue requires your urgent and immediate attention. I expect a resolution within a reasonable timeframe. 

Thank you for your swift compliance with this request. 

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

I sent in investigation request with no results to get fraudulent information removed i have also contacted creditors with no results or call backs please have a complete investigation done to remove the fraudulent accounts and inquires XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
{$1000.00} Balance updated XX/XX/XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1100.00} Balance updated XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXs Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXXXXXX XXXX  Thursday XX/XX/XXXX, three transactions were started within a couple of hours. They were for XXXX, XXXX, XXXX. They were all in pending status. 

I contacted the company and was told they could do nothing, but open a ticket with a department to which I was not permitted to speak. I was told to expect an email and to standby in case the department rep had more questions. I waited all of Thursday, Friday, Saturday, and Sunday watching my email and then called again Monday morning. 

The representatives I was able to speak to Monday said they saw no ticket and were unable to help me in anyway other than to open another ticket. I suspect that those in the department handling the fraud may be the true source of the fraud as is often the case with large fraud networks. 

The debit card that was charged and has been canceled is XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SS # XXXX { TransWorld Systems Inc } { XXXX XXXX XXXX XXXX, DE XXXX United States } XX/XX/XXXX Re : Intent To File Lawsuit for FCRA Violation To Whom It May Concern, This letter is in reference to a direct violation of the Fair Debt Collection Practices Act regulation to which a phone call was made to an unauthorized party disclosing personal information concerning the debit to an unauthorized party that has nothing to do with the debit this person was nether a relative or my spouse. It was brought to my attention your collection agents from TransWorld Systems Inc representing XXXX XXXX surgeons called a friend of mine at XXXX on XX/XX/XXXX approx. at XXXX AM in the attempts to locate assets as described to me by the attorney ( XXXX XXXX XXXX XXXX, XXXX ) handling this arrangement. I am filing a direct complaint with www.consumerfinance.gov therefore you can take heed that I am very serious about filing suit against your company. It was made clear to me by attorney ( Counsel XXXX XXXX XXXX, Esq ) that her firm or company had sent a notice to you and your team to remove XXXX XXXX from the list for any further contact or collections but due to your error and lack of detail you have publicly disclosed my personal debit to a party outside of the Fair Debt Collection Practices outlines as the proper persons and or individuals to contact and the proper information to release to properly authorized individuals which puts you did not do in this case which puts you in direct violation of The Fair Credit Reporting Act of 1970 'A debt collector generally can not discuss your debt with anyone but you or your spouse. If an attorney is representing you, and youve told the collector, the debt collector must contact the attorney. '' I await your response. 

Sincerely, ____________________________ XXXX XXXX XXXX : Federal Trade Commission ; Attorney General
Product: Credit reporting

Again probably for the XXXX time I contacted experian via internet to dispute wrong information on my credit report. The system would not let me do it as I previously disputed it. I called experian again and was told that they can not re-dispute the incorrect information for me. I sent in to experian a letter directly from XXXX who holds the XXXX accounts I am complaining about and trying to get corrected. I was told that I need to contact XXXX again and get a more detailed letter stating that these accounts were never paid late. The XXXX accounts are XXXX XXXX 's. They corrected XXXX and put that account in the satisfactory as it should be but did not and will not fix XXXX and XXXX account. This makes no sense to me as I personally spoke with XXXX to review all XXXX accounts they hold and they e-mailed me seperate letters for each account stating the information that experian is reporting is incorrect and should be corrected. I was never late on these charge cards and I have standard proof. Now they will not re-dispute it for me and the proof I sent in they are not accepting. How can it get more explanatory when the letter came directly from the bank. I have been putting so much time and effort into getting this corrected and now i 'm told they will not re-dispute it and want me to contact XXXX to get another detailed letter before they will re-dispute it. This is ridicilous.
Product: Bank account or service

I have been harassed and falsely accused by XXXX a wells fargo manager. I did not know she was working at this wells fargo bank on XXXX XXXX XXXX XXXX al XXXX. I was opening me a new account because my old account was hacked supposedly which is what they told me. But i ran into XXXX when i was trying to fix my new bank account. While i was in the bank XXXX police officers came in i did n't know what was going on but i know now. I received a harassing and threatening letter from " XXXX XXXX '' a security agent from wells fargo but i did n't receive a letter until after i made a complaint. I did n't even know my checking account was closed until XXXX/XXXX/2015 and I was n't going to get my social security money. I found out XXXX has once again falsely accused me of harassing her, when their is proof i did n't even bother her. If wells fargo or XXXX had any sense they would had looked at the security footage and i was n't even bothering XXXX XXXX, and she made a false police report which is a felony. Wells fargo believed her side of the story and for the record i did not know that anything was wrong until i called on XXXX/XXXX/2015. I 'm getting tired of XXXX falsely accusing me and everybody taking her side. This is why my new account was closed based on her demand that i was harassing her and this XXXX believes her side. I have legal grounds to sue XXXX XXXX and wells fargo for false accusation and harassment from XXXX and the closure of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I paid both my XXXX accts - last four digits XXXX & XXXX. 
The customer rep applied both payments to XXXX ( first issue ). I requested the {$31.00} credit be applied to # XXXX - it never happened ( second issue ). 

I then recvd a credit balance check from XXXX for {$31.00}, after requesting the credit balance be applied to ( XXXX ), and at this point I knew something was wrong. I called in again, and find out my acct XXXX was ( 30 ) days past due ( third issue ). XXXX had the payment & never applied it to the correct account ( XXXX ) All of this started with customer agent misapplying a payment, it got worse when the {$31.00} credit balance on acct # XXXX was never applied to acct # XXXX. 

All of my FICO scores fail by XXXX points ... a LIFETIME of effort to obtain XXXX FICO scores wiped out by XXXX error XXXX I've sent a half dozen letters attempting to get someone to look at y situation, and all I ever get is a form letter - never any " live person '' assistance. 

This issue has affected my business, due to lower scores I've been denied credit on several occasions. This has affected my family finances and my XXXX well being, as well as my physical health - XXXX XXXXXXXX XXXX XXXXXXXX - losing XXXX FICO scores is a life/ business changing dilemma. 

No one at XXXXXXXX XXXX seems to care, and that is the worst part of all this- i am voiceless to XXXX ... at some point common sense & humanity should take over to resolve " one off '' situations like this. 

Please see my situation & help the madness be corrected. 

XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/2022 - I checked my account and reported my card for fraud for the XXXX {$900.00} unauthorized transactions that were made. 
XX/XX/2022 - Somehow the fraud claim was denied by navy federal. They gave me an option to write back to them, so I did. 
I simply lost my card, then somehow there was {$1800.00} taken off of if. The card was not in my possession at the time the fraud occurred, the original plan was to just get a new card, until I seen that someone used it. I believed my card was stolen. But to be more careful, I took most of the money out of my account that I could after I reported it fraud. The reason I did that is because I had a friend who got his card stolen by his ex, so he got a new card but somehow she had the login information to his Navy Federal. I have never allowed anyone to use my card EXCEPT my XXXX  XXXX XXXX. I never received any merchandise from the merchant, I do not shop at XXXX. I put the fraudulent charges on my card. But Navy Federal claims that no error has occurred. And I am not sure if its because I cleared out my account the same day ( to be careful ). Or if its because there Is scammers everywhere and now every fraud claim looks suspect? 

XX/XX/2022 - The {$1800.00} was taken from my account. 

XX/XX/2022 - Ive sent multiple messages writing to them and trying to figure this out the past few weeks, no response. So Ive been using a different bank while my Navy Federal account is still - {$1800.00} because I lost or got my card stolen.
Product: Credit card or prepaid card

Hi, I recently found out that there was a credit card opened on my Capital Onen account without my knowledge a few years ago and I have contacted the company twice about it and both times they have said I'm the one who opened it, when I wasn't. 
The total is close to {$600.00}! and I honestly don't know what happened. I could really use your help because this has been reported to my credit companies and is impacting my score greatly. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX keep listing an old XXXX  XXXX credit card bill thats 12 or almost 13 years old opened in XXXX. XXXX  XXXX keeps selling credit card debt to different agencies and keeps punching back the date it should be removed. I had a XXXX  XXXX and couldnt pay it. Now XXXX XXXX is listing it. Ive dispute the dates but have no way of proving I stop paying in XXXX so its at least 10 years past due. I cant see when this is going to come off?? 20 years? Pleas help XXXX XXXX