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

I got scammed out of money and filed a dispute with chime financial who has denied my claims three times despite all the evidence Ive submitted. Its clear I got scammed and instead of a proper investigation with the proof I gave them their customer service reps hang up on me, cant properly understand English and give me the same automated script responses that dont answer anything. I have every email from them and scammers that Ive saved and can show proof that chime doesnt properly handle anyones money and is ripping people off as well. They will send emails asking me questions to reply to but then you cant respond to their so called email address and they just close the dispute. Despite pictures emails with the scammers who took my money, chime sides with them. Everything is good until you lose money, get scammed or have a problem with your account. They also tend to close peoples accounts in retaliation for reporting them.
Product: Credit card

on XX/XX/year> the company closed my XXXX XXXX XXXX XXXX without notice or warning.
Product: Credit reporting or other personal consumer reports

I am writing this complaint today because on XX/XX/XXXX, I sent Self Financial Inc./LEAD Bank a letter formally revoking any, past or present, implied written, verbal, non-written, non-verbal, or assumed right to freely report transactions and experiences on this account to my consumer report. Per the protection of my privacy via The Privacy Act of XXXXThere has been no response and a continuation of reported information for the month of XX/XX/XXXX. 

Event Summary : I received a copy of my official consumer report in the month of XXXX & XXXX. After reviewing all information on the consumer report, this account showed multiple inaccuracies. I then reached out directly to the company to get some clarification on the status of my account and the information given from the furnished was not correctly conveyed across all CRAs reports. The Credit Reporting Agencies are showing inconsistencies with each other and as well as showing Account Status inconsistencies with the furnisher, Self Financial Inc./ LEAD Bank , clearly violating my rights protected under the FCRA XXXX Which, as we know is to ensure the maximum possible accuracy of my consumer report and is the ASSUMED responsibility of the CRAs. Given the sheer number of inaccuracies reported and the impact that continuing to entrust this responsibility of reporting this account, XXXX have a negative impact on my ability to obtain credit in the future. As it is ultimately MY responsibility to ensure that my NPPI, consumer report, and reputation is properly protected and maintained. I wrote a letter on XX/XX/XXXX addressed to SELF INC., giving notice of my right to opt out and instruction on reporting certain nonpublic personal information on my consumer report covered under the privacy act of XXXX. 

My intention is to maintain a working relationship with SELF INC., and All CRAs. However this CAN NOT continue to be tolerated. Under no circumstances should there be this many violations on a public record. All exhibits and evidence are outlined in the attachments of this compliant. 

Thank you very much for prompt attention to this matter.
Product: Debt collection

I am not liable for a debt with CC COLL SVC account # XXXX and do not have a contract with XXXX. They did not provide me with the orginial contract that has my signature agreeing to pay them like I previously asked. 

Account : CC COLL SVC Account # XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I previously contacted CC COLL SVC and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application stating that I agree to pay them CC COLL SVC bearing my signature and they have not been able to provide such proof to me. I have not agreed to pay this collection company. 
This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

As a result of your conduct described above, you shall promptly DELETE the information disputed. Additionally, as per the FCRA ( 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) ) ;, you are liable to me for statutory damages for your misconduct, in addition to your deletion of the disputed account mentioned, you are demanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX issued, this is NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowed period to conduct such a reinvestigation has expired and shall not be extended by law. 
Within 14 days, ( XXXX ) DELETE the account in dispute, ( XXXX ) send a updated copy of my consumer file, ( XXXX ) send me the {$1000.00} check to my mailing address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My name is XXXX XXXX XXXX, and my loan number is XXXX  XXXX. I have been making my mortgage payments directly to S and A Capital at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. FL XXXX, telephone number, XXXX. 
As of XXXX XXXX Eastern Time, Tuesday, XXXX, the following checks have been mailed to S & A, but never cashed or presented for payment : Date Check # Amount XX/XX/XXXX unknown {$220.00} XX/XX/XXXX XXXX {$220.00} XXXX XXXX {$220.00} XX/XX/XXXX XXXX {$220.00} I was told by a representative of S and A Capital, that your firm was now handling my mortgage payments. Please let me know that you have received the items listed above, and that they will be processed as soon as possible. 
Is there another address that I should mail the payments to? Please advise. 
Will the XXXX, XXXX and XXXX payments be credited to year XXXX and be credited to the 1098 tax form for that year? Please advise. 

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

I did not authorize a credit pull from this company ( I've never even heard of this company ) and they're reporting an artificially low credit score by over 250 points lower than the reputable credit reporting agencies. 

One of the denial reasons for this report was " Distance between address and area code of phone '', while my address is exclusively within the boundaries of the area code that I carry. 

When attempting to access my report and subsequently freeze, the company is requesting copies of drivers ' license and social security card, which I will NOT provide to them, as they seem like an illegitimate company that was utilized by Ally for improper credit denial.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted XXXX, Equifax, and XXXX representatives concerning the likelihood of false accounts being established using my customer data. I implored everyone to delete these accounts since I had no idea how they got there. All three firms advised me on how to keep track of things and complete an FTC form. I sent my information on XX/XX/XXXX. Even though I had filed my letters more than 30 days previously since they had been " verified, '' the accounts that were not mine were still shown in my documentation. This situation bothers and concerns me because it inhibits my family and me from purchasing a property. On XX/XX/XXXX, I called the XXXX firms again to inquire about how they could certify that these accounts belonged to me. They told me to contact the debt XXXX directly because they couldn't help me any further. Every bank that the client dialed at the same time and forwarded to me had been dialed incorrectly ; they had no idea who I was or what the accounts were about. An online verification was completed to ensure that I had not made a mistake. My buddies advised me to visit the CFPB website. I'm hoping this works because my family and I desperately need the house we're trying to buy.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX AND XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 to 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 XXXX AND 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am submitting a formal dispute regarding late payment entries reported within the past XXXX years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal. 
Issue Summary : I unknowingly downloaded a XXXX application on my mobile device. This XXXX, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : Unknown third parties gained access to my financial login credentials. 
My automatic payment settings were altered without my knowledge. 
This interference led to the late payments that are now inaccurately reflected on my credit report. 
FCRA & Federal Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately.

Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated. The late payments in question do not meet verification requirements due to the nature of the incident. 
Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me. 
Requested Resolution : I am requesting the following actions : Immediate removal of all late payments from the past two years that were impacted by this unauthorized interference.

A written confirmation verifying that these late payments have been removed.

A compliance review to ensure that my account information is reported accurately in accordance with federal regulations. 
If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proceedings to ensure that my rights under FCRA and EFTA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably. 
Please confirm resolution of this dispute at your earliest convenience.
Product: Credit card or prepaid card

I took out a loan to fix my transmission XX/XX/XXXX with a same as cash type credit card. I gave them an address ( a PO Box ) on  my contract to send all my communication to. They put in the wrong address, never sent the statements. I went back to XXXX several times asking for my bill and how to pay. 

The person at the credit card company then sent a statement but charged me all the interest and paid on debt but they kept increasing the balance because they sent to thte wrong address. I paid off the debt and they said they could help but they charged off my balance and will not let me pay them back. I called again with a person trying to help me on XX/XX/XXXX. They confirmed they saw the wrong address and their notes. Said they would not correct credit and that they could not even get me the pay off balance. They said they would send a letter to tell me whet they would do. This is the 4th time ive tried to resolve.last time they laughed that they were hurting my credit. I do not know where to turn. This company wants to charge my 4 times more money then the bill just because they sent the statement to the wrong location. the General manager at  XXXX even tried to call them but was told it wasnt any of his business.
Product: Checking or savings account

Problem with J.P. Morgan Chase. 
Our business, the XXXX XXXX XXXX XXXX XXXX, has held accounts and credit cards in good standing with J.P. Morgan Chase since XXXX and until now they have acted efficiently and professionally. 

However, on XX/XX/XXXX, our CPA asked when we would mail payment for his tax preparation. We asked if he had received XXXX # XXXX, dated and mailed on XX/XX/XXXX. When he replied that it hadnt arrived we immediately contacted Chase and placed a stop payment on the check and mailed our CPA a replacement that he received and deposited. 

Out of curiosity I used Chases phone access to see the status on XXXX # XXXX and learned that the check was cashed by one XXXX XXXX who is unknown to us and the original sum of {$2300.00} had been forged to {$5100.00}, which he received. 

Contacting Chase on XX/XX/XXXX, we reached their fraud departments executive headquarters at XXXX XXXX ext. XXXX where XXXX was assigned to our case and sent an affidavit for the payee and us to sign, mentioning a check image would be enclosed. By Friday no affidavit had arrived and he said it was mailed and did arrive the following day. He created a case number : XXXX and said it would require them to contact the defrauders bank to discuss the transaction and it could take weeks or months, unlike their immediate response to return stolen funds when credit card theft occurs. 

We called on XX/XX/XXXX to ask about the missing check image and reached XXXX voice mail stating that he out until XX/XX/XXXX and XXXX, a colleague, stated that our case had been closed without explaining why and said that they can not provide an image of the forged check. It should appear on our next monthly statement that hasnt arrived yet but Chases evading to make good on a stop-payment check that was forged to more than the double requires investigation!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Reporting on Student Loan Balances Dear Sir/Madam, I am writing to formally dispute inaccurate information that has been reported by [ Student Loan Servicer Name ( s ) ] to the credit bureaus regarding my student loan balances. Although my student loans have a XXXX balance, my credit report still reflects a balance. I request your assistance in ensuring that the credit bureaus update my report to accurately reflect my loan status. 
Below is a summary of the issue : Loan Servicer ( XXXX ) : Transferred from XXXX to XXXX XXXX XXXX of XXXX Credit Bureau XXXX XXXX XXXX Reporting the Inaccurate Information : [ XXXX, Experian XXXX XXXX ] Incorrect XXXX Reported : {$59000.00} ( also the XXXX only shows XXXX of XXXX XXXX XXXX {$45.00}, XXXX which is in contrast to the balances that Experian and XXXX show as due by the XXXX XXXX XXXX XXXX XXXX XXXX : the servicer XXXX has been fully paid and their balance is {$0.00} The continued reporting of a balance on my student loans violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to credit bureaus must be accurate and verifiable. Specifically, the law requires that : XXXXnder Section 609 of the FCRA ( 15 U.S.C. 1681g ), I have the right to dispute inaccurate or incomplete information in my credit report.

Under Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ), creditors and data furnishers ( including student loan servicers ) are required to report accurate information to credit reporting agencies. If the information reported is inaccurate or incomplete, the creditor or servicer must correct it.

Under Section 605 of the FCRA ( 15 U.S.C. 1681c ), outdated or inaccurate information that is no longer relevant should be removed or corrected.

This inaccurate reporting is affecting my credit score, and I respectfully request that the CFPB investigate this issue and require the reporting agencies to update my credit file to reflect the correct information. I also request that the servicer provide me with documentation confirming that my loans have been paid in full or discharged. 
Please let me know if you require any additional information from me to facilitate your investigation. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Mortgage

Dear CFPB : We are currently in the process of selling our home at XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXXXXXX. The mortgage was originally held by XXXX XXXX, but was later acquired by US Bank XXXX XXXX XXXX ; XXXX, XXXX XXXXXXXX. 

We obtained our mortgage through US Bank in XXXX of XXXX for a total of XXXX XXXXXXXX, with a {$7500.00} down payment assistance loan from XXXX XXXX, Florida. We paid our mortgage- with a couple of hiccups in XXXX due to XXXX  - up until the XXXX crisis struck. 

In XXXX, we had paid the mortgage down to a balance of {$53000.00}, but, due to the XXXX assistance mortgage payment moratorium we also rewrote the mortgage to the tune of {$8600.00}. Now, please explain to me how a SINGLE YEAR of " ASSISTANCE '' could possibly equate to HALF of what we paid in mortgage and interest fees over the course of XXXX XXXX So now that we are selling our home, the full payoff amount equates to {$69000.00}!!! This EFFECTIVELY means that over the course of the XXXX years that we've spent in our home, we have paid a WHOPPING {$89.00} towards the ownership of our home!!! Who in what office has lobbied and written this type of legislation? 

This is exactly why the American people remain financially imprisoned and why the top XXXX XXXX continue to accumulate wealth on a DISGUSTINGLY IMBALANCED scale. Had we known that the COVID " Assistance '' was going to reset our mortgage COMPLETELY - minus {$89.00} - I would have just gone to work, even though XXXX XXXX XXXX XXXX XXXX XXXX Oh, wait, that would have been inconsiderate, because I could possibly have contributed to the illnesses and deaths of so many other people. So that's not right. BUT what your legislation allows banks to do is the preferred solution? TO ROB PEOPLE and keep them in perpetual financial servitude is YOUR ANSWER? 

This is not acceptable, and it certainly isn't right.
Product: Debt collection

On XX/XX/11 I requested that the United check recovery bureau stop contacting me at work as they were calling my job to get in contact with me. 

UCRB continue to call my job two more times after my request leaving voicemails.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries that are unauthorized and need to be deleted are XXXX XXXX XXXXXXXX ( 2020 ) XXXX  ( 2020 ) Transunion fraud dept customer service was unhelpful and refused to delete the negative inquiries reporting to my credit report.
Product: Money transfer, virtual currency, or money service

I did a money transfer from my Wells Fargo account by means of the XXXX add on service that Wells Fargo provides on their site. The money was transferred in the amount of {$240.00} on Monday XX/XX/2018 to a " XXXX XXXX '' with the email address XXXX. 

What I thought was concert tickets being purchased turned out to be scam. Because I was directed to pay through XXXX, which I thought was a secure, traceable means of payment, I felt confident this wasn't a scam. Even if it was, there has to be a way for my Bank to track down/stop payment from going through, right? Wrong! 

After getting suspicious after a short amount of time ( 20 minutes ) after I completed the transaction, I immediately called Wells Fargo to put a stop to the transaction. After being put on hold for hours, speaking with multiple representatives, being transferred multiply times, being disconnected when being transferred, and being told there was nothing they could do, I felt helpless. The many Wells Fargo associated didn't seem to have an answer or they either said they could do something and then never did. 

I should have listened to my gut, but the fact that this was THROUGH a service provided by MY BANK, I felt reassured and confident this wasn't possible to do from a scammer end considering a bank account needed to be attached to the name/account I was transferring money to. 

Thank you for your service and thank you in advance for reading this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported all 3 major credit bureaus XXXX, Equifax, and XXXX that the collection from XXXX in reference to XXXX XXXX has serval inaccuracies. XXXX is reporting a date of last activity XX/XX/XXXX, XXXX is reporting a date of XX/XX/XXXX and Equifax is reporting a date of XX/XX/XXXX all different dates across the 3 bureaus. Also XXXX is reporting an account status as open and this is a collection account it can not have an open status. XXXX and Equifax are reporting on account status as closed and again different and inaccurate across the bureaus. These inaccuracies are causing me emotional mental distress due to the fact I can not I apply for credit to make major purchases for myself without paying a high interest due to these inaccuracies. 
XXXX XXXX XXXX Equifax Account XXXX : XXXX XXXX XXXX High Balance : {$400.00} {$400.00} {$400.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$400.00} {$400.00} {$400.00} Closed Date : -- -- -- Account Rating : Derogatory Derogatory Derogatory Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account disputed Creditor Type : Collection Services Other Collection Agencies Other Collection Agencies Account Status : Open Closed Closed Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks : Account informationdisputed by consumer , meets FCRArequirements Customer disputedaccount - reported bysubscriber. 
Consumer disputes thisaccount information Affected by naturaldisaster Subject has not satisfieddebt. 
Original Creditor : XXXX XXXX XXXX XXXX Last Payment : -- -- -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type :