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

The dire level of remedial incompetence of this CHASE BANK research investigator XXXX, behooves me how shes actually paid American dollars to represent a multi billion dollar financial institution. Im convinced that her sole purpose is to submit responses in crayon while simultaneously derailing customers sought after relief. Once again this lady has BLATANTLY LIED IN HER RESPONSE TO THE AFOREMENTIONED COMPLAINT! This CFPB should institute an investigation into her entire office as it applies to their responses to customers complaints. Additionally, for weeks her direct supervisor REFUSES to contact me and the phone receptionist Ms.Connie has elected to prevent me from speaking with Another superior besides XXXX whom refuses to return my calls. Furthermore, XXXX XXXX XXXX made ANOTHER LIE in her most recent response stating that I went into the branch and signed a document releasing authority of another check to be issued. When this lady asked me if I did send in a declaration I admitted that I did I IN A RECORDED CALL asked her on what date was it signed and what BRANCH etc. She told me she was waiting on that information. The sole reason that I asked is because I realized there ran a RISK, the scammer signed the fraudulent document so thats why I asked IN THE RECORDED CALL.. Still, in her OBSESSION TO PREVENT CHASE FROM BEING HELD LIABLE SHE LIED AND SAYS THAT I SIGNED THE DOCUMENT USED!!! Howwwww and whyyyyyy would I sign a document so my Check can go to someone else. How much of an imbecile would be needed to draw that idiotic conclusion? Clearly this woman uses JUMBO XXXX to submit her report. Ive repeatedly said the scammer must had assistance etc in an effort to go about this scam from an employee, the basis to deny my claim now hinges on the ludicrousness of saying because allegedly I SIGNED the declaration its justification to deny my claim? The first claim SHE LIED and said the claim was denied because i ORDERED THE CHECK AND IT WAS INTERCEPTED! Now in this response its because i signed a DECLARATION!.. Obviously, the scammer signed that one of he's the one that BENNIFITED FROM THE DECLARATION!. This lady is hell bent on assisting the scammers and Chase Bank in stealing my money! At this point Im convinced XXXX is an accomplice to the crime. The disparity of explanations from the first complaint to this one highlights her/their incapacity to properly address my complaint. This lady went from saying because I ORDERED THE CHECK THAT WAS INTERCEPTED, ITS MY FAULT IT WAS STOLEN. NOW THIS LADY IS SAYING BECAUSE I ALLEGEDLY SIGNED A DECLARATION TO RELEASE A NEW CHECK, ITS MY FAULT? So if I didnt ORDER A CHECK AT ALL, THEN HOW IN THE WORLD DID I SIGN A DECLARATION TO HAVE THE OLD ONE CANCELLED????? Furthermore, why would I have attempted to issue a stop payment on a check BEFORE IT WAS DELIVERED that I signed a declaration for to cancel the old one to receive a new check???? IT SOUNDS JUST AS STUPID READING IT AS IT SOUNDS TO BELIEVE IT!
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, Kentucky XXXX Date of Birth : XXXX Last XXXX of XXXX : XXXX XXXX Dispute of Unauthorized Credit Inquiries. 

To Whom It May Concern, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) 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 XXXX request 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. 

The inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith.. 

Here I attach, along with the dispute, my fraud report that I just sent to EQUIFAX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. 

Best regards, XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Please review our credit scores for the months of XXXX and XXXX of XXXX, there is a late-payment or non-payment, that was turned in by New Rez LLC, which is not correct .We had a choice to make in XXXX of XXXX, either make up the shortage of {$2800.00} from my XXXX property taxes, which New Rez  paid that month, or pay {$1700.00} per month until XX/XX/XXXX. We chose to pay the shortage for the amount stated. 
The same thing happened in XXXX XXXX, we paid and my payments went back to almost the same amount XXXX {$1200.00} more or less ), that I have been paying since I bought the house in XXXX of XXXX. This year was different with my mortgage after paying the shortage. No reduction in my monthly payments. We have included my payments, from them, which shows that we are telling the truth. I contacted them by e-mail, ( included for you to see ), called approximately 10 times during the 6 months that this was going on, informing them that they can not collect the shortage and charge me the higher payments at the same time. There was no response from them, neither had they say they would look into it and change the payments to reflect the money I had already paid, NOTHING was done. 
Included are all of the statements from XXXX of XXXX to present. My checks for {$1200.00} XXXX cleared their accounts before the XXXX on both XXXX and XXXX, the due date, and the deficit of {$520.00}, was more than paid by the {$2800.00} in XXXX. In fact there was enough money to cover all the months with their inflated payments, from XXXX through XXXX. 
Please note my monthly payment for XXXX, XXXX, look at the monthly payment, and also look at the payment for XXXX. We paid in full the XXXX statement, XXXX, knowing that if we didnt, no matter what we said or wrote, they would turn me in again, and we will pay for XXXX, by continuing with these payments, they will be collecting approx. {$4400.00}, in escrow for a tax bill for XXXX, that has NOT been paid by New Rez  and wont be until XXXX XXXX, and according to the county will be about {$1500.00}, we will receive this before the end of the month, we will have paid in approx. {$7200.00} since XXXX of XXXX until XXXX of XXXX. Please look into this and restore my credit, I have included all the documents for review, and will furnish any other documents that you request. 
We have done nothing wrong, I have sent a certified letter and documents to their XXXX, XXXX. office with an attempt to correct my credit, but so far there has been no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed XXXX XXXX a check for {$550.00} to cover the cost of my XXXX XXXX XXXX Credit card. The account # is XXXX. XXXX XXXX processed by check and have yet to send me a receipt or send the 3 Credit  reporting agencies this information. I have disputed this with the 3 Credit reporting agencies as well. Providing them with substantial documentation. Yet, all parties involved have updated this information for my credit file.
Product: Credit reporting or other personal consumer reports

I have discovered fraudulent inquiries from my credit report, XXXX XXXX VIA DEALER XX/XX/XXXX | XXXX XXXX CARD SER XX/XX/XXXX | XXXX XXXX XXXX XX/XX/XXXX | XXXX XXXX BANK XXXX XX/XX/XXXX | XXXX XXXX ACCE XX/XX/XXXX | XXXX XXXX XXXX XXXXXX/XX/XXXX | XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX XXXX XXXX XX/XX/XXXX | DWNNVJHF LLC XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX OF XXXX XXXX XX/XX/XXXX XXXX AN XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX  days of receipt, as this has been ongoing for over XXXX months.
Product: Checking or savings account

XX/XX/year>, I was in New York for vacation. When I left the hotel, I received a call stating that Wells Fargo wouldn't release my deposit of {$200.00}. I was about to board for my flight so I had to hang up. Once I landed, I noticed {$200.00} had been zelled from my account. I called Wlels Fargo who stated, XXXX was through a third party company and that there was nothing they could do about it. The lady went on to tell me, I should've read the complete contract prior to using the services.
Product: Payday loan, title loan, or personal loan

When I applied for this line of credit, I was never offered the payment protection should I become unemployed or incapacitated. I reached out many times, as I was laid off due to COVID-19, and the company never offered any help. I come to find out, all of this time, they had a payment protection program which could have helped me eliminate this debt and make my life less stressful and not destroy my credit.
Product: Credit reporting or other personal consumer reports

My payment history does not align with these late payments.
Product: Student loan

Nelnet contacted me concerning my student loan and their representative said I needed to consolidate the loan. I was concerned, due to financial losses I was counting on loan forgiveness. I was paying the loan on a regular basis and was under an income repayment plan. I was told the billing would resume in two months. This consolidation occurred for the months of XX/XX/XXXX and XXXX of XXXX. I was deeply concerned when Nelnet wanted to do this because I did not want any lapse in my repayment play. I did not ask for a consolidation. The loans had previously been consolidated early on. The representative reassured me that was not the case and my payment history would be continuous. Now after applying for loan forgiveness, I am informed I was placed on administrative forbearance by Nelnet for those two months so my record was interrupted. I specifically said that I did not want any lapse in my payment schedule. Now only one of the loans is showing as receiving continuous payments after this consolidation and on the one loan that is showing a recored, there are only 40 months of continuous payments recorded instead of over nine years. I was lied to by XXXX. I was afraid of their business dealings due to all of the recent bad publicity and now I understand why. I won't describe my situation but I have taught college level classes to disadvantaged and non-traditional students for over twenty years. However, I had two forbearances due to financial concerns but worked diligently to maintain a continuous payment record over the last nine years. This is incredibly distressing. I can't retire and am suffering from XXXX that may limit my future employment. I do not know what to do at this point.
Product: Credit card or prepaid card

I have a Bank of America credit card which I have had for many years. I started to pay it on-line each month when my statement is released. The on-line payment program on the BofA website will preset the payment with the minimum amount due each month if you select that option. 

SCAM and INTEREST OVERCHARGE I select to pay the amount due at the date of my monthly statement. Bank of America AUTOMATICALLY FILLS IN THE PAYMENT DATE AS THE LAST POSSIBLE DAY YOU CAN PAY - and NOT the day you are making the payment. If you do not notice this and do not remove the date and replace it with the date you are making the payment, YOU ARE OVER CHARGED THE INTEREST EVERY PAYMENT. ( A frame grab of the BofA page is below. ) BofA has about 55.6 million credit card holders if even 5 % fall for this scam, they are overcharging 2.78 million customers a month. 

I filed a complaint with the Washington State Attorney Generals office. They sent a request for an answer to BofA. I received a call from their compliance department which had a message that it was also a collection agency. They requested a call back. I called three times and left a message, they never ever responded. The WA state AG later informed me that BofA refused to answer the states complaint. 

They continue this scam every month in on-line payments. 

A screen capture PGN file is attached. The payment date is shown below their late day as the " earliest payment date ''. Note that the payment date they record is the last day before the payment is late. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of Ed/XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, Dept Of Ed/XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX Dept Of Ed/XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX and XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

The accounts : XXXX XXXX XXXX XXXX
Product: Credit reporting

I have this item on my credit report reporting from Equifax through XXXX XXXX via XXXX. I have no knowledge of this collection item I donot and have not had an account with XXXX in the past. I requested proof that this account belonged to me on XXXX different occasions and none of Equifax 's response including how they determined the debt belonged to me. Their response is always the same Verified but never how they verified the debt.i asked them to verify that this item actually belonged to me along with how they determined that and that completely ignore my request. I am asking that they remove this item from my report as they have not provided me with proof of an investigation. That 's complaint number 1. Complaint number 2 is they have a address reporting on my credit report that never belonged to me upon their XXXX different investigations they said they were going to delete it but they never did. Complaint number 3 I previously had. A case open with the you ( cfpb ) case number XXXX the results needs with XXXX agreeing to delete the account from my credit report since then it 's been deleted from transunion and experian but Equifax refuses to delete. Even after sending them a copy of the letter it still comes back as verified. Equifax is causing me to have significant problems with obtaining new credit because of the innacuracies that they are reporting. I want them to delete these XXXX disputes from, XXXX XXXX XXXX, XXXX XXXX and the innacurate address listed as XXXX XXXX XXXX XXXX XXXX Pa XXXX.
Product: Credit card or prepaid card

Chase Bank enrolled me in COVID program to halt payments ( interest still accruing, etc., which I agreed to ). Then harassed me 4x / day with calls. Finally I logged into my account to see what the issue was. Still showing {$0.00} payment due, per our COVID assistance program. Continued to get harassing e-mails and calls, which I had to block. Finally called them. Spoke with rep for over an hour, who repeatedly told me that despite COVID protection, I was still considered late. He repeatedly told me, " Yes ma'am but you don't understand, your account is still 15 days late, even though you technically don't owe a payment. You won't become delinquent until 30 days, '' etc. I contested : " Actually, the nature of our agreement is that I would NOT be considered late, assessed fees, or sent to collections, and furthermore, I've logged into my account and have no option to pay, it says " No Payment Due. '' Again he insisted I was not understanding something, and eventually hung up on me without attempting to call back despite me repeatedly saying I was still on the line. I was devestated by the trickery I felt by the supposed " COVID assistance '' Chase is deceptively providing consumers. I have since paid my account in full but I will never trust this company again, nor will I be using these accounts anymore.
Product: Vehicle loan or lease

I, XXXX XXXX XXXX is submitting this complaint form because I realize my contract has been violated by the dealership and the financial company, XXXX XXXX XXXX and Westlake financial services. I submitted my paperwork to Westlake financial services with the laws in which were violated and I attached a copy of it along with this complaint. XXXX XXXX was the car dealer who did the paperwork with Westlake financial services and he was recently arrested in Florida for taking out duplicate loans in the buyers name.
Product: Checking or savings account

Truist Bank offers simple checking with Visa Debit Card / ATM card.

Debit Card purchases are considered cash purchases and aren't credit or line of credit to a bank account. A Debit card is used where Visa purchases are accepted. When consumer / account holder reports a discrepancy or disputes a purchase or transaction ; the Customer Service dispute claims department takes the information and submits it to a Claim Analyst ; the Analyst is unknown to the consumer and doesn't communicate with the consumer. Most times the conversation are recorded or monitored ; in some cases the consumer disputing a transaction relays the information to representative then process the data and sends to Analyst to review the claim. It's unknown how the Analyst processes the claim. Consumer were advised that the Dispute had been analyzed and reported no discrepancy with the transaction. However, upon reviewing the dispute and going over the actual line of communication ; person taking the initial claim of dispute report made errors in the claim itself. To clarify ; Consumer had paid transaction with another card and were requesting the debit be charged back. 
The error by Truist in collecting the accurate information is reason the dispute were denied. The transaction was a duplicate payment made by the Consumer, not a duplicate debit card charge made by the Merchant. The Merchant charged a second card with the same amount ; {$490.00}. When Merchant uses two different cards ; for duplicate payments, only one charge appears on each card. Although the transaction were overpaid by the consumer.

Trust Bank is refusing to credit back the consumer and indicating the Merchant didn't duplicate a payment to the Truist Card. Even though the Merchant collected same payment on another debit card.
Product: Credit reporting or other personal consumer reports

Im really upset after finding several inquiries from your company on my credit report that I didnt authorize. These are lowering my score and creating a lot of problems for me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a collection account that is inaccurately reported on my credit file. This collection account does not belong to me, and I have no recollection of any agreement with the collection agency in question. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable.