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

on or about XX/XX/2018 i was trying to obtain a small personal loan i answered what seemed to be a professional ad i was going through the process like normal on the phone with the company after most of the transaction was complete and my account info was given for a deposit to be made via ach method which i know is common they had all of the sudden asked for what they called an insurance payment to be sent i immediately told them no and wanted nothing more to do with their company as this was a red flag i then looked at my account and noticed several payment i had made prior had been disputed and put as a credit in my account there was a credit card payment car insurance payments and even a withdraw from an actual chase atm at my branch concerned i raced to chase bank and closed my account with a manager and told her what was happening these crooks were able to dispute XXXX dollars in payments i had previously made and withdraw all of it from my account this is a clear case of fraud as i know and was told by several chase branch managers but after working with the fraud department at chase they are not refunding the money that was stolen the did give a temporary credit which i used to repay my bills that had been reversed after a few weeks they told me i was responsible for the amount stolen this is an outrage and very unprofessional i sent all they asked for and they still will not credit my account i just dont understand i also think some one at chase is working directly with the criminals and i told chase that as well i have no idea how they can be so negligent and allow my account to be compromised in this way the way the fraud department is handling this matter was even a shock to chase management themselves they all noticed a clear case of fraud there is even a charge for a currency exchange thamk you for all your help as i have nowhere else to turn
Product: Checking or savings account

On XX/XX/2022 Chime closed my account stating that - " Provide sufficient original source of funds for transfers and explanation of the rapid removal of {$59000.00} over the last 2 months. '' This is regarding a personal account I have with Chime Bank 1. above you will see an email from Chime bank ( they do business through XXXX XXXX XXXX XXXX that they are investigating me in terms of why I have removed funds so rapidly from my account.. 
2. This is the second time they have shut my account down. However, after the first time, I submitted information ( statements, etc ) showing that there is nothing illegal and they reinstated my account 3. This time after submitting all the info they have not reinstated my account- the answer is pretty simple. I took my {$59000.00} out ( XXXX because I got a bonus at XXXX XXXXXXXX XXXX and {$9500.00} to cover some expenses ) 4. I have called them on 4 or 5 different occasions and customer service states that they can not help me and I have to just respond to the emails... even after elevating the call to the supervisor in charge.. 
5. I have asked for an update 4to 5 different times via their email addresses ( XXXX & XXXX ) however they will not answer me. So, I can't seem to get an answer as to what is going on... What's crazy is this rapid removal investigation. I'm certainly not doing anything illegal. How can a bank do this? What if I wanted to take out my money to buy a car or a house? 

I have about XXXX in this bank account still and would love to take it out but I'm locked out of everything. One of the craziest experiences I've ever had... 

I was wondering if I could get some help on this ... .I just want to sincerely thank you for helping me in the past and again, I am happy to pay you for your services. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had credit information from my husband and it bled over on my credit history. I was able to correct this easily online through my Core services with Equifax, but when I moved months later to a new address and applied for a XXXX XXXX XXXX, I was denied for credit because of the same information which had previously been removed and was no longer visible on my physical credit report, nor their website, was bleeding over again internally in their system. When I called today to speak with a customer service rep at Equifax, XXXX told me they would have to re-investigate the information & couldn't correct it as the website is in real time, but their information wasn't. This is unacceptable, so I asked to speak with a supervisor and was promptly hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reporting agency. I disputed 2 accounts that came up on my report that were about XXXX years old and never showed up until Now and apparently were purchased by the company XXXX XXXX XXXX The account apparently is under XXXX XXXX It is reporting under my name as XXXX XXXX. In addition to this it is not showing what its for or how much and the amounts differ greatly by the original lender ( in this case being told its medical ). There are two accounts apparently and the amounts have increased significantly. Its not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

ARS ACCOUNT RESOLUTION HAS multiple repeated reports on my credit report. It's for XXXX $ multiple times
Product: Credit reporting, credit repair services, or other personal consumer reports

0nXX/XX/XXXX I have sent a letter regrading inaccurate and unknown things on my credit file. Up to this day, it is already over 60 days and I never received any response. I feel like they are ignoring my dispute and taking advantage on me. Section 611 ( a ) it is clearly stated that a failure to investigate these items within the 30 days gives a reason to immediately remove those items from my credit report, it is over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Product: Debt collection

On XX/XX/XXXX I, XXXX XXXX XXXX, received a call from ECMC ( Education Credit Management Corporation ) violating 15 USC 1692c. I have sent them a Cease and Desist Letter/Debt Validation Letter/Affidavit if Truth/ Invoices and it was sent Certified Mail with a return receipt received and signed on XX/XX/XXXX. Upon XX/XX/XXXX, I was harassed and threaten with garnishment of wages by telephone and received threatening documents, ( violation of 15 USC 1692d ) sent through the mail to my mailing address. According to the The FDCPA I demand remedy for XXXX in a check by mail only. Also they are in Violation of the TCPA which I demand an additional XXXX for each day afterwards, which are the following : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I seek remedy for this for a total of XXXX in a check along with my additional invoice sent to them. Pursuant to 15 USC 1681 and 15 USC 1692f they have reported false information and I would like these accounts removed with specified remedy pursuant to 15 USC 1692k. This is a Third Party Debt Collector and I have asked for Validation NOT VERIFICATION pursuant to 15 USC 1692g, which they have not produced or responded too. I sent a Letter asking for this information on XX/XX/XXXX with a response from XXXX, not Validating but verifying an " Alleged '' debt. On XX/XX/XXXX, I received an return receipt after sending the Validation Letter, which is attached but they stated on the phone they had not received anything for this year. Still no response received. Pursuant to 15 USC 1692j, According to ( U.S. v.s Throckmorton, 98 US 61, at Pg. 65 ) ECMC has committed fraud and there is no Statue of Limitations on Fraud and I have no contract with ECMC and would like this removed from my Consumer Report pursuant to 15 USC 1681a and payment sent to me. Please help me resolve these matter. Please and Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report wrong information on my credit report. I have called, done online disputes, chats, sent them notices in writing. The other 2 XXXX and XXXX have corrected the issues but equifax refuses to.
Product: Credit card or prepaid card

My due date for Home Depot  Consumer  credit card is the first of the month.I pay it early each month on the  XXXX  or  XXXX  of the preceding month. They charge me a late fee saying it was for the previous month even though I made a payment for double the amount due  XXXX  weeks earlier. This appears to be a scam to generate late fees for payments that are not late.   They ca n't ( or wo n't ) explain what date I need to send in my payment to not be late.   There is no possible way to get caught up.     I pay {$200.00} on   XXXX     and {$200.00} on  X/XX  30 days apart yet my {$180.00} payment on  X/XX    generates a late fee on  X/XX . The minimum payment is less than {$100.00} for each of these months. This should never happen.     Predatory late fee structure designed to generate unearned income to company.   Consumers have no recourse. Phone line help staff are clueless.
Product: Vehicle loan or lease

XXXX. ) XX/XX/2024 for the amount of {$140000.00} action requested reservice loan XXXX. ) XXXXor the amount of {$110000.00} action requested reservice loan XXXX. ) XXXX the amount of {$79000.00} action requested reservice loan XXXX. ) XXXX the amount of {$79000.00} action requested reservice loan XXXX. ) XXXX the amount of {$79000.00} action requested reservice loan A. ) I spoke to a Loan Manager named XXXX and she claims that Chase Bank/Chase Auto is not governed by Truth in Lending Act and Equal Credit Opportunity Act that derived as a violation of false and misleading information by itself. 

B. ) An inquiry mark on my credit report was brought to the Loan Manager 's attention that there was a credit transaction that occurred without me being compensated. I explained to the Loan Manager 's attention that the social security number was given to Chase Bank/Chase Auto for the specific purpose of obtaining possession of the vehicle an that the credit pulled from card needed to be cured and that it was a Unauthorized Use of Credit. Injury is caused by not giving equal exchange and opportunity by leaving inquiries lowering credit score. 

We believe in good faith that Chase Bank/Chase Auto is acting under racial and national origin discrimination as a result of a habitual pattern of five occurrences of racial and national origin discrimination adding unreasonable prohibiting factors. In result of the habitual pattern, Chase Bank/Chase Auto is also in violation of Discouragement.

Chase Bank/Chase Auto also failed to disclose the compensation of the credit transactions given to third party causing another violation.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Regarding Failure to Reinvestigate Disputed Late Payment Account with XXXX XXXXXXXX XXXX XXXXXXXX. 
Dear Sir/Madam, I am writing to formally lodge a complaint against Experian and XXXX for failing to properly reinvestigate a late payment inaccurately reported on my credit report by XXXX XXXXXXXX XXXX XXXX XXXX 
The account in question is under my name, XXXX XXXX XXXX XXXX, with the account number XXXX. My date of birth is XX/XX/XXXX, and the last XXXXur digits of my Social Security XXXX are XXXX. 
The dates in question related to the disputed late payments are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Previously, I contacted XXXX XXXXXXXX XXXX XXXX directly, requesting the correction of this erroneous information. However, despite my request, both Experian and XXXX have not conducted a thorough reinvestigation nor corrected the error, which is a violation of my rights under 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). 
The failure of Experian and XXXX to correct this incorrect information has negatively impacted my credit history and is a direct violation of my rights under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ). Despite following the necessary procedures with both XXXX XXXX and these credit bureaus, the inaccurate information remains on my report. 
I request that you review this case and take the necessary actions to ensure that Experian and XXXX, along with XXXX XXXX, comply with their legal obligations. It is essential that this incorrect information is removed from my credit report to correct the damage caused to my credit score. 
Thank you in advance for your attention to this matter, and I look forward to a prompt resolution. I am willing to provide any additional information needed to support my case. 
Please confirm receipt of this complaint and provide an update on the status of my case as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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 This account is showing inaccurately on my credit report
Product: Credit card or prepaid card

Capital one I been on time but I have not received the date to pay it they say I am a day off I been doing a good job they been incorrect
Product: Credit reporting

went online to XXXX and it asked me about a loan made in XXXX 2014 that i neither recall or made. i cant get any credit reports form the XXXX major organizations. suspect fraud.
Product: Credit reporting or other personal consumer reports

I called.chexsystem and explained that some one else information was on my report. The wrong phone number is on the account and I can not access my report. XXXX is compromised and I have identity theft and I asking that all information be removed from my report.
Product: Credit card or prepaid card

I have been told that my credit card application has been declined through email from a banker at City National Bank, so I am waiting for the official decline/rejection letter, but it has been 22 days and I didn't get the decline/rejection letter. I tried to contact the bank who told me the application is not approved and tried to ask the official mail twice. He never replies it me anymore. 

XX/XX/2019 : I have been told my credit card application is not approved by XXXX XXXX XXXX, Vice President/Relationship Manager from City National Bank. 

XX/XX/2019 : I didn't get the official decline letter, so I follow up with XXXX and told him I didn't get the decline letter. He didn't reply me. 

XX/XX/2019 : I still didn't get the official decline letter, so I follow up with XXXX again and he didn't reply to me. 

As of today XX/XX/2019, I still didn't get the official decline letter.
Product: Credit reporting or other personal consumer reports

In accordance with the FAIR Credit Reporting Act, XXXX XXXX XXXX XXXX account ending in # XXXX and account ending in # XXXX has violated my consumer rights. 
15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2, Accordingly States a consumer reporting agency can not furnish data without my written permission.

15 USC 1666B States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello : This is the second time I've had a problem with Citibank not registering a payment. I pay over the minimum due and they take the money but the minimum due remains. The second time I paid {$350.00} on XX/XX/19. Over twice the minimum. The minimum was about {$140.00}. The payment was taken and didn't reflect on the required minimum payment. I called about 2 days later and explained it to them what happened and I was told that the payment would be credited and reposted on XX/XX/19. Citibank deducted another {$350.00} on XX/XX/19 from my checking account. And never cancelled the original payment. Leaving me with duplicate {$350.00} payments. Now they think it's acceptable for me to wait 3-4 business days for money they shouldn't have taken from my checking account in the first place. This is the second time this has happened to me with Citibank. The first time I just made a second payment. 
I typed this while being on hold for a manager and was now told that there is no manager on duty and one would call. 
Thank you, XXXX
Product: Mortgage

I had a home loan through Wells Fargo in 2013. I was behind on payments but had an agreement with Wells Fargo to repay and was told my house would not be put up for foreclosure if I complied. A week later they sold my house at auction and someone showed up saying they bought it and I had to leave. I had over {$100000.00} of equity in the home they took. I know there was a recent judgement against them and I believe I should be included. They have not attempted to contact me as this is the same phone number and email I had back then.
Product: Mortgage

Prosperity Home Mortgage XXXX " XXXX '' XXXX originated my loan. When I went to make my first payment in XXXX, I realized only after mailing the check that I had dated the check as " XXXX '' instead of " XXXX. '' I contacted XXXX to ask them if they would accept the payment. The indicated that could not and that I would need to make an online ACH payment. 

XXXX actually ended up cashing both the mailed check and accepting the online ACH payment, so they received and accepted XXXX mortgage payments in the month of XXXX. XXXX then sold both the mortgage and its servicing rights to XXXX XXXX. 

XXXX failed to credit both of these credits to my account upon receipt as required by of XXXX CFR XXXX ( c ) ( XXXX ), and failed to transfer accurate and timely information relating to the servicing of my account ( XXXX CFR XXXX ( b ) ( XXXX ) ). 

XXXX claimed to have wired the second payment to XXXX XXXX, but provided no documentation. XXXX denies receipt of either the payment or any information about the XXXX  payment. 

On XX/XX/XXXX, I sent PHM a Notice of Error pursuant to XXXX CFR XXXX, which PHM acknowledge receipt of. 

Now, as of XX/XX/XXXX, PHM failed to respond to the Notice of Error in the time period required by XXXX CFR XXXX XXXX XXXX ) ( XXXX ) ( i ) ( c ). I was also not notified of an extension of the time period ( XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) ( ii ) ).
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Product: Mortgage

I sold my house ( XXXX XXXX XXXX XXXX, XXXX, NC ) and closed on XX/XX/2016. I wrote a letter dated XX/XX/2016 ( see attached ) to M & T Bank, the mortgage company, requesting the " Recorded Release of lien for the property/Recorded Certificate of Satisfaction from XXXX County NC Register of Deeds ( See attached ). Have not received the original note either.To no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of Companies That Have Violated My Federally Protected Consumer Rights and confidentiality UNDER 15 USC 1681! 

In accordance with the Fair Credit Reporting Act, Account # XXXX, 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. My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, Account XXXX XXXXXXXX XXXX Account Number 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. My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, Account XXXX XXXX XXXX XXXX Account Number # 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. My legal rights have been violated. 

In accordance with the Fair Credit Reporting Act, Account #, XXXX XXXX Account Number 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. My legal rights have been violated. 

In accordance with the Fair Credit Reporting Act, Account #, XXXX XXXX XXXX Account Number 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. My legal rights have been violated. 

In accordance with the Fair Credit Reporting Act, Account #, XXXX XXXX XXXX Account Number 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. My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, Account XXXX XXXX XXXX  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. My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, Account XXXX XXXX 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. My legal rights have been violated. 



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