23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This corresponds to Claim XXXX with Chase 's provider XXXX XXXX XXXX  I filed a claim for trip delay with Chase 's insurance provider - as part of the benefits I pay for under the Chase Sapphire Reserve credit card. The flight was delayed due to weather and therefore ineligible for compensation from the airline, which means Chase is liable for compensation. On XX/XX/year>, Chase 's provider asked me for proof of reason of delay from the airline and proof that the airline was not compensating me. I sent them this on their portal and twice on their email- they are ignoring the email and refusing to change the status from needing the same documentation repeatedly. I have attached proof of the documentation they asked for, and the documentation I sent as proof.
Product: Credit reporting or other personal consumer reports

inquiries from XXXX  and XXXX i did not 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 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 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: Debt collection

I was notified by the credit bureaus in XXXX, that Source Receivables Management placed a collection on my account. My report, says the collection was opened in XXXX of XXXX. I never received a letter from this agency saying my account will go into collections! That's a violation and I'm willing to take action. If I received the letter I would have disputed these false charges. This agency says this has been in the collection for over a year with payments made and that's a lie. I have not once made any payments. This company has failed to furnish any proof of charges such as an itemized bill to show me exactly where the charges are coming from. XXXX does not allow you to port out your phone number unless your account is in good standing. ( please review the company 's policy ). XXXX also refunded me multiple times due to issues on their end. Any charges on that account do not belong to me and XXXX needs to go over that account AGAIN! Through certification, I will be sending Source Receivables Management a debt validation letter that needs to be returned within 30 days. I need itemized bills and proof a letter was sent out and that I received the letter. I have not received any letter! This agency also claimed I made a payment to the collection agency and that claim is false! I've asked XXXX for proof of charges and they have yet to send me an itemized bill. Showing an amount is not proof of charges and does not verify any debt.
Product: Money transfer, virtual currency, or money service

We rented a property listed in XXXX. A XXXX reached out to us and approved our rental application. He requested I make a security deposit FOR A TOTAL OF {$2400.00} to an account at Bank of America with account number ending in XXXX of a Ms XXXX XXXX of which I did, in addition I sent another payment via XXXX to an account with the name : XXXX XXXX at XXXX in the amount of {$300.00} for utilities & maintenance. I requested the keys and they wanted {$500.00} more, to be deposited I found it suspect so I went to the home, and there was a sign for an invitation to lease the property from XXXX, so I called XXXX and asked why the house was still available when we currently held a lease for this property and we had paid {$2400.00}. Ms XXXX from XXXX told me I had been scammed and that I should file a police report immediately, which I did at XXXX, Fl police department. The officer told me to also notified Bank of America of the fraud. So I went personally to the bank, but they told me there is nothing they can do. I feel Bank of America is aiding and abetting their customer who is currently fraudulently using their institution as an instrument to steal from senior citizens.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed multiple accounts with TransUnion, XXXX and XXXX  for over 6 months. During this time items reporting from the agencies are still inaccurate and Ive asked numerous of times for the items to be removed by dispute letters and still no action. Im writing asking for help to get these agencies to remove the incorrect info that has been sold to other agencies, incorrect data, incorrect personal, total amounts due, closed accounts to be removed from my credit report.
Product: Mortgage

On XX/XX/2020 I sent an updated county and municipal tax bill to Ms. XXXX XXXX as instructed by her to lower my mortgage payment. The property address went to tax appeal. as a result, the house value was reduced to {$210000.00} from {$360000.00}, which greatly reduced the taxes of the property. As of todays date, XX/XX/2020 I have not received a response from Ms. XXXX XXXX. I  then called the corporate office of Community Bank and spoke with the loan department about this issue. The person I spoke with advised that Ms. XXXX XXXX should have sent them the updated tax forms. But, they never received the new tax bill. I asked the loan person that if I were to fax the new tax bill, would it reduce my bi-weekly loan payment. She advised it depends if they were able to do a new escrow alliance. My complaint is that if the new tax bill was sent when I e-mailed it to Ms. XXXX XXXX, I believe the new bi-weekly mortgage payment would be reduced.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling XXXX to remove these 2 inaccurate addresses on my credit report for a while now ( XXXX XXXX XXXX XXXX XXXX, FL XXXX ) and ( XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX and Equifax regarding removing these inquires now XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX and i have been asking for them to show me to show me steps and process they are taking to look at my case and i have not yet received any updates or mail regarding my issue, and at this point I feel my rights are being violated and this is why I came to the CFPB for help. The Credit bureaus violated these laws 15 U.S.C 1681 section 602 A. States I have the right privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before expiration of the period under section 611 ( a ) ( 1 ). ( 5 ) Treatment of inaccurate or Unverifiable Information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or in complete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, modify that item of information, as appropriate based on the results of the reinvestigation : and ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer. (
Product: Student loan

I am having a lot of difficulty tracking who owns/who is collecting on a private student loan. At first, I was paying a lender called " XXXX XXXX XXXX '' ( since approx. XXXX ), which then became Younomics at some point in approx. XXXX. Given the HIGH interest rate on the loan, and the fact that I have student debt around {$150000.00}, I worked out a payment plan with Younomics, with me paying approximately $ XXXX towards what started out as a ~ {$20000.00} loan. Given the high interest rate ( which I find unconscionable, and I'm not even sure which loan this is because I never borrowed from a company called XXXX XXXX XXXX  ), you can imagine that {$150.00} is a drop in the bucket. Even after paying for almost 10 years, my principal amount has not gone down. However, this is what I can afford given the amount of money I pay towards other student loans, housing, etc. 

In XX/XX/XXXX, when I tried to renew my payment plan as I had been doing every year for several years, I received a response with a three page document asking for a litany of information that I don't believe a lender is entitled to, including my income, every other loan I am responsible for ( including monthly payments and amount outstanding ), my monthly budget in every aspect ( food, utilities, support payments, insurance, other ), my account balances, my employer, my account numbers, my SSN, etc. It was invasive and I refused to fill it out. The email response I received when I asked why I had to fill out this form when I never had to before was, " This is the new process now. '' It seems unconscionable to me that a lender can change its terms/processes without any notice to the borrower. 

I continued to pay the amount I had been paying and refused to fill out the new form. Since I refused to fill out the form, the payment arrangement expired and my monthly payment amount went up significantly. I can not afford this. The loan then apparently transferred to a company called XXXX XXXX. XXXX XXXX has been reaching out in the last year, and I gather they are a debt collector. I've emailed XXXX numerous times in XXXX asking them to prove they have the legal right to collect on this loan - they have not responded. They have put multiple bad marks on my credit score. 

I understand that I am responsible for the student debt I took out, but I am drowning in student loan payments. This is a private loan that I took in college, when I was 18-21 years old, without any real understanding of what interest, APR, etc. meant. I don't even know which loan this is since it has hopped from company to company so many times and every time I ask for proof of ownership of the loan or a promissory note I signed signaling that the person try to collect the loan has the legal right to do so, I do not get any response. I don't know what else to do, and I don't understand why 15 years later, a $ XXXX loan is still haunting me and now destroying my credit. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX Credit Dispute XX/XX/XXXX Credit Dispute : Acima Merchant On XX/XX/XXXX A lease agreement was signed for XXXX. Payments were made to the merchant and though the epidemic of Covid 19 I endured hardship and struggled to stay afloat. However, I continued to make my payments and consistent as possible. Toward the end of the last few months of my lease Acima reported XX/XX/XXXX balance {$810.00} Paid XXXX XX/XX/XXXX while taking my payment and seems to have created many inconsistences around the time I attempted to settle in full of good faith. 

Exhibit D which contradicts Exhibit C payment history. XXXX was reported and reflected with {$160.00} balance and paid {$440.00} on XX/XX/XXXX which contradicts Exhibit C payment history from my banks. 

In the month of XX/XX/XXXX, I logged into the portal and clicked on purchase lease which would allow me to pay it off and be set complete. Mind you as I was struggling, I just wanted worry about owing any other monies and with good faith completed my lease in full. 10 days ( about 1 and a half weeks ) later I received an email saying I stilled owed monies so I called in on XX/XX/XXXX and had a lengthy conversation with representative and he insisted I owed more monies ; I asked the amount which he explained to me {$160.00} and that would wrap up my lease in which I paid again. 



The following week I received a text message that an ACH draft of XXXX was completed out of my XXXX  XXXX XXXX account. I was not very please but I choose to let it go and hope that even if it were extra money taken out, I would surely be completely paid off. Mind you, I had every intention of paying in full however with the misleading of the amount owed and multiple times trying to set complete I was completely frustrated while dealing with trying to keep my lights on and food to feed my kids. I have enclosed print out of payments to confirm my statements, lease contract and the printout of the reports done by Acima. 



Prior to this I have made several attempts to make this amicable. All attempts have fails dispute this being the 4th lease that I had back-to-back in which case I paid all in full and never had an issue prior to this incident. 



I disputed this with XXXX Report number XXXX. Spoke to XXXX on XX/XX/XXXX they could only go based on what the merchant says and recommended me to go to higher level to rectify this. 



On XX/XX/XXXX XXXX sent me an email saying my dispute results were that it remained. 

I XXXX XXXX with good faith have and paid them in full and the collections and late mark are wrong, and I would like this removed from my credit. It has been a hard year for my family via COVID 19 and we have struggled tremendously but I assure you that the merchant has not had an empathy and more so after my good faith and ethical actions of paying them they have impacted my credit and have hurt me on top of the recovery from this epidemic. All I ask is to make this right and hope for your decision to be in my favor. 





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

I've submitted disputes regarding XXXX XXXX XXXX reporting 30 day past due and late on my credit reports and a member of XXXX called to confirm there was a mistake on their end and that the adverse reporting would be fixed, however, upon checking my credit on Transunion XXXX and XXXX, I am seeing only 1 bureau has updated my payment rating and removed the late payment and that all bureaus have not raised my scores to its respective states before this adverse action was mistakenly taken by XXXX XXXX XXXX. 

In the month of XX/XX/ I sent a Billing Error Notice to XXXX XXXX XXXX : Under Regulation Z 1026.13 Billing error resolution. 

( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : Official interpretation of 13 ( d ) Rules Pending Resolution ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date Hence, the payment was withheld until my issue was resolved, the issue has still not been resolved but I opted to pay the full balance and yet it was still reported that I was past due. When I attempted to re-dispute this information with the bureaus, I am only seeing that the dispute was complete but no significant raise to my credit score has been provided and no removal of the past due status in the month of XXXX has been removed. This is a direct violation of my consumer rights.
Product: Debt collection

Experian Credit Report : Inaccurate Reporting of Information Corporation : XXXX -Negative Balance {$440.00} - Disputed Amount Owed. 

Refunds for Charges Deducted for Bank Account Requested due to ID Theft while XXXX 

Balance XXXX : {$0.00} Delete from Credit Files XXXX 
Discharge Balances. 
Refund Premiums Deducted from Bank Accounts. 

Collection Accounts Total Balance : Experian {$15000.00} ID Theft Restoration and Account Balances and Funds Recovery Experian Credit Report : Inaccurate Reporting of Information Debt Collection Removal : XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$2200.00} XXXXXXXX XXXX {$350.00} XXXX XXXX {$12000.00} Reimbursements Credits and Fee Reversals Corporate Account Check Disbursement for Unauthorized Account Payments -Issue Credits and Refunds XXXX XXXX Balance {$440.00} XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX  {$350.00} XXXX XXXX XXXX XXXX {$12000.00} - Disputed Amounts Zero ( {$0.00} ) Balances Owed. 

Refund for Outstanding Debts and Payments Drafted from Accounts. 

Refunds for Charges Deducted for Bank Account Requested due to ID Theft while XXXX. 

Balance XXXX : {$0.00} Delete from Credit Files XXXX 
Discharge Balances. 
Refund Premiums Deducted from Bank Accounts.
Product: Debt collection

i recieved mail from a debt collection company trying to collect a debt of behalf of XXXX XXXX. This is a direct violation of my federal rights. 

U.S.C. 1692 states : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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 Balance Owed : {$13000.00} ; XXXX XX/XX/2021.
Product: Credit reporting

In obtaining my credit file from EQUIFAX Credit Reporting, I saw where they were still reporting a Chapter XXXX Bankruptcy that was filed XXXX. I disputed this because it has been 7 years, 6 months and they are still reporting this case. The filing of the bankruptcy was never in dispute. Bankruptcy cases has always been removed after seven years from the file date.
Product: Debt collection

In XXXX of XXXX, XXXX XXXX offered a promotional deal on an XXXX XXXX XXXX where it would be " effectively free of charge '' with the purchase of a qualifying phone plan. XXXX failed to apply that promotion to my account. They admitted their mistake after being reported to the XXXX XXXX XXXX XXXX, Trade, and Consumer Protection in complaint # XXXX in XXXX of XXXX ( their response attached ). Of note are the following lines " Our records also indicate that XXXX XXXX was issued credits totaling {$240.00} to account for approximately seven months of the missing discount. '' and " I have applied an additional credit in the amount of {$430.00} on her account which is equal to the remaining XXXX months in which she was incorrectly charged for the handset. '' Seeing as my account had a free 20 months to amend their mistake, I stayed with XXXX XXXX until those credits ran out. On XX/XX/XXXX of XXXX, I cancelled my USCellular account. In the call I was assured that because my account was up-to-date and I cancelled before the next billing cycle, there would be no charge to my account. You will find an attached email dated XX/XX/XXXX where they suggest I restart my USCellular service because they " XXXX ( me ) already ''. I would include my e-bills, but as my account has been cancelled, I have no access to the account. 

So imagine my surprise as I get an email on XX/XX/XXXX from my bank stating that " a new account is now on your credit report '' and to find a new collections account from Harris & Harris in the amount of {$91.00} ( XXXX screenshot attached ). Without any attempts to contact me from either XXXX or Harris & Harris 's behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few hard inquiries on my credit report from XXXX XXXX and capital one and I didn't authorize and I didn't give permission for my credit to be ran. I would like for those inquiries to be reflected as deleted off of my credit report.
Product: Checking or savings account

I wrote a check against funds in my Chase Bank checking account # XXXX. Chase Routing # is XXXX. The check was made payable to XXXX and XXXX XXXX and was in the amount of {$670.00}, dated XX/XX/XXXX. The check was stolen, likely from my local mailbox, and was altered to be payable to a person unknown to me- XXXX XXXX. The payable amount was altered to {$2800.00}. The check was cashed with XXXX XXXX mobile banking with whom I do not have an account. 

I completed all of the paperwork that Chase asked of me when I discovered the check had been fraudulently altered and cashed. I submitted to Chase on XX/XX/XXXX their " Declaration of Unauthorized Endorsement or Altered Item '' and a copy of the front and back of the altered, cancelled check. In XXXX of XXXX, I submitted to Chase an official " Original Case Incident Report '' filed with the XXXX Police Department. XXXX # XXXX, Event # XXXX. 

I have called Chase Bank each month since XX/XX/XXXX and they only repeat each time that they can not reimburse my {$2800.00} and that Chase Bank is at the mercy of XXXX XXXX in that the check was cashed with XXXX XXXX. The latter will not talk to me about the case at all because I do not have an account with them. It's as if the XXXX banks are in cahoots to never pursue fraudulently cashed checks so neither bank can ever be held liable. 

I have learned from Chase Bank that their claim number for this case is # XXXX. 
Chase recently provided me with a XXXX XXXX case number of XXXX but XXXX XXXX will not confirm this as I do not have an account with XXXX XXXX. 

Earlier this year I submitted this same claim ( different wording ) to this site and cited XXXX XXXX as the problem. I'd like now to cite Chase Bank as the problem. 
Thanks, XXXX XXXX
Product: Debt collection

This debt was for a XXXX card that my wife had. We fell behind due to XXXX bills so they sent us to a debt collector. XXXX XXXX XXXX. they contacted her at work talked with her boss and demanded to talk with her. They said they wo n't stop calling. When I spoke with them to work out a payment plan. They told me I can pull the money out of my 401k that there is no tax penalty which I know is not true. They also asked why I had to pay my income tax that I can pay them first and pay taxes later with out penalty. I am almost positive a debt collector is not in the postitution to give tax advice or financial advice.