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

I had a charge on my account that I did not recognize for services I had not receive. I disputed the charge with my credit card company ( Chase ) and they credited my account. The same merchant attempted to charge my card again twice separately after a six month and a one year hiatus. The last billing was in XX/XX/2019. 

I asked Chase to resolve this once and for all, and block this merchant as this is a repeated pattern. Chase analyzed past records, and agreed to block the merchant and stop all future billing and rebilling from this merchant. This assurance ( of account being credited and final resolution of the dispute along with blocking of the merchant for all future transactions on my account ) was first provided to me over the phone with Chase dispute resolutions representative, XXXX on XX/XX/2019 at XXXX. 

XXXX followed up with me with a letter stating the same ( attached ) where it clearly states, " We blocked this merchant from charging the account, you shouldn't see charges from this merchant on your account in the future. '' To my surprise, the same merchant charge was rebilled to my account in my XX/XX/XXXX statement. When I contacted Chase they were unwilling to resolve this. I shared the letter I received with XXXX and XXXX at Chase. XXXX said that the letter states that " you shouldn't see charges from this merchant '' does not mean " you will not see charges from this merchant. '' I asked XXXX if he is stating this on record and he said that the line is recorded and he stands by his statement that Chase 's prior commitment to block the merchant and that there will no charges is incorrect ( and therefore the charges remain ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian didn't properly identify my disputed update. For Account Name XXXX   XXXX Account Number XXXX Account Type Credit card I'm requesting proof of liability to this account that is on my credit report and I was only sent an update to the claiming it's mine. Under Sec. 602. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness,1 credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

1So in original. Probably should be creditworthiness,.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. 

By law I request to see signature I owe this debt!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried TWIC -- once in XXXX and once in XXXX -- to get my free credit reports from XXXX  and Transunion. 
They send letters and I have to do a bunch of stuff in writing. 
The reasons they give -- particularly XXXX, Transunion just does not send one -- vary. Once they said I ordered one within past year. Nottrue. Last ordered in XXXX. I do not remember what the lastexcuse was. 

Is this a ploy to get us to PAY for credit reports? 

This is nonsense. 

I am XXXX and this is not fair. 
I MUST get to my credit reports. I have wasted months
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX and have asked them to close the fraudulent account and to remove the hard inquiry. They are in the process of closing the account BUT the hard inquiry is yet to be removed. I need the hard inquiry dated XX/XX/year> to be removed from Experian credit reporting agency. i didnt give permission for my information to be used to open any account. the company is closing the account. I need the hard inquiry removed from Experian. A fraud alert will be put on my credit reports.
Product: Debt collection

midland credit management : {$3100.00}. 

I am unaware of this debt. I did not recieve proper information on this account. I did not have the opportunity to even dispute this. If in fact you believe I received proper notification please provide the certified mail receipt with my signature stating I received it. I would also like the method of validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company reported to both XXXX  and XXXX  that my payments were late ' twice by 30 days for XXXX and XX/XX/XXXX, then 90-119 days late for XX/XX/XXXX, and finally, 60-89 days late for XX/XX/XXXX. I reported a dispute directly to the credit reporting agencies which did not help the situation. My complaint is as follows : 1. My account balance was current for the months of XXXX and XX/XX/XXXX. I had payments clear, plus my account was current in the month pf XXXX which is showing as " no data '' on my credit report. 
2. My account was not delinquent by 90-119, I was current for XX/XX/XXXX and made a payment early XXXX ( XX/XX/XXXX for {$400.00} ) that cleared. 
3. I spoke with a company representative and asked for COVID impact relief to which they said they would not offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, XXXX and Experian provided a generic response to my complaint and it was not accurate. I have sent the letters in to both credit bureaus. The letters are attached. I have authorized this compliant. I am not a third party submitting this complaint. My ID and utility bill are attached. I need this account removed and my personal information updated. I have sent in several letters every month by mail. I have called and was informed to submit this information and I did such. 
XXXX XXXX XXXX XXXX Balance {$10000.00}
Product: Bank account or service

Suntrust closed my checking account, due to inactivity, without informing me, and has sent the {$5000.00} to state of Virginia. After dozens of calls and visits to bank, including escalation, no one is helping me get my funds. The label " inactivity '' is incorrect because the checking account has a monthly direct debit to pay a Suntrust 2nd mortgage for the last 5 years. The only reason I ever set up the checking account was because they reduced my 2nd mortgage interest rate by .25 % for arranging the account and auto payment.
Product: Checking or savings account

On XX/XX/2023 I submitted a mobile deposit. It was received on the XXXX and said it would be available XX/XX/2023. So I called Tuesday, XX/XX/2033 I wanted to check why was the check on hold and then was told by a guy who worked for Chase said my account was suspended. I did not understand why they decided to suspend my account and not tell me. I believe it was very wrong that they suspended account so that I could not use my money. The XXXX man who I spoke to on XX/XX/2033 told me that the check was more than what I make so they thought me depositing {$3000.00} was suspicious and it was my first time making a mobile deposit. Since they suspended my account, they affected me from getting paid today, XX/XX/2023. So I did not get my check nor did I get my pay from my job all because of Chase holding my funds. I am unable to pay bills and pay for groceries because of Chase.
Product: Credit reporting or other personal consumer reports

I have submitted the required information to the three major credit bureaus to have my information that was a result of identity theft to be removed and or blocked within the four days required by FCRA 605B and they have not done so. XXXX Transunion and XXXX have failed to remove the fraudulent accounts and inquires as required by the statue.
Product: Mortgage

On XX/XX/2016 I submitted a request to State Farm Bank ( SFB ) to refund fees charged to my mortgage balance in conjunction with a modification request ; the modification request ( deed in lieu ) was denied. I have been trying to sell my ( now non-primary due to a relocation ) residential property for 10 months when I submitted the request. SFB did not make it known that I would be charged fees for the CONSIDERATION of the modification during the modification application request process. Merely to be considered SFB charged me {$420.00} for a BPO Appraisal, a title search fee and a credit report fee. I feel that this process is misleading and applies even more of a hardship on borrowers who are seeking modification due to financial stress in the first place. Not only do I have the original mortgage balance but SFB has applied MORE due in fees and interest due to this. I am sure there are many other borrowers in my situation and if not many currently, there will be. SFB as of XX/XX/2016 still not responded to my ongoing requests for fee & interest refund. The last correspondence received was on XX/XX/2016 stating that management would review & send me a letter with their explanation.
Product: Checking or savings account

I'm transferring a large sum of money to an external account ( XXXX ). I initiated transfers through Chase 's online platform and, thankfully, both transactions flagged for fraud review. The first XXXX transfer was verified with my phone number on file via text. The second one was via a call that I missed. 

I called the number on the back of my card to ensure it was Chase. However, after verifying my identity with the number I called, I was transferred. The sound on the transferred line was scratchy and difficult to hear with background noise. They asked me to repeat a verification number sent to a phone number that I provided. The code came with a specific message : Thank you for calling Chase. Your code is XXXX. Remember : Chase WILL NOT call you or text to ask for this code. 

I asked the representative why they are asking for a code when the specifically states they will not call for it, and why they asked me for a number ( versus one file ). They did not provide an answer but only stated that this was their process. 

They did mention that I can go into a branch to verify the transaction, which is inconvenient, which is what I will do.
Product: Debt collection

IC systems has been unlawfully flagging my credit multiple times within a month in order to decrease my score. They are consistently reporting a collection that is not valid and not mine on my report as new 3 plus times a month. I have requested they provide me with insurance claims made in reference to this, proof of identity and account history. They have continuously failed to do this. This constitues malicious debt collection and violates the FCRA. This is harassment and is subject to law suit.
Product: Vehicle loan or lease

I currently have a loan with GM Financial, and had noticed that my credit report was not reflecting a payment made since XX/XX/2018. I had contacted GM Financial and was informed that it was a system error and this would be resolved by the end of XX/XX/2018. The problem was resolved for a few months, but now shows that a payment has not been paid to my account since XX/XX/2018. I have asked GM Financial, on several separate occasions, to look into this and get it resolved, as I am unable to refinance my vehicle or even utilize my credit because this is affecting not only my credit score, but also my payment history reported to the credit bureaus. Almost a year and a half later, GM Financial is still not reporting any payments that I have made to my account.
Product: Checking or savings account

my account was debited witout my knowledge.so i want my money put back into my account and i want to cancel mycard.because they didnt tell me anything about taking it out of my account.
Product: Checking or savings account

On the morning of XX/XX/XXXX my account was hacked and within 5 minutes I had not even a dollar left. There were numerous transactions mainly from myntra and radiant both companies in XXXX in which I never even heard of. While I was on the phone with the customer service rep for moneylion I was receiving several notifications for declined transactions from the same businesses who fraudulently took money from my account. I had to wait until XX/XX/XXXX for the fraudulent transactions to post. So I filed my dispute. I got a response Tuesday XX/XX/XXXX stating that the investigation is completed and that no error occurred. They sided with the hackers. I am XXXX and homeless receiving XXXX once a month. Why would I spend all of my money on businesses in another country and I have never even heard of? I use my XXXX to pay for a motel room and now I have no money until next month when I receive my XXXX. I didn't receive a provisional credit or anything.
Product: Credit reporting or other personal consumer reports

I am formally complaining about a charge and a dispute of over {$1500.00} reported on my credit file, which was sent to collections and has drastically impacted and lowered my credit score. This charge pertains to a medical bill from XXXX XXXX, which was covered by my father 's employers insurance. The remaining balance was paid by me directly. Despite my efforts to have the charge corrected, the hospital has failed to update their records, and the charge was incorrectly reported to collections. 

Details of the Dispute : The bill in question is from XXXX XXXX and was created in the year XXXX. The hospital incorrectly billed me as a patient and I, along with my father and his employer, submitted all the information to the insurance company to have the hospital 's charges corrected. My insurance provider, XXXX, covered the majority of the charges, and I paid the remaining balance directly. 

I disputed this charge with Experian on XX/XX/XXXX, and received a response on XX/XX/XXXX. The extremely short timeframe for investigation makes it CLEAR that NO thorough review occurred. The collection date is listed as XX/XX/XXXX, but the collection account was created earlier, prior to my dispute submission. This is a false reporting error that is clearly indicative of negligence and malicious fraud! 

The hospitals patient portal has denied me access to my payment history, which is a hindrance to verifying my account and can only be accessed using a bill. I have not lived in the state Michigan in almost 3 years, so I do not have a bill accessible. 

I am more than happy to share with you extensive supporting evidence that I have collected, such as : - Screenshots from my insurance provider, XXXX, proving payments made for the XXXX XXXX. 
- Correspondence with Experian regarding my dispute. 
- Screenshots clearly showing discrepancies in the collections account reporting. 

This information contains personal information and I will be more than happy to include it in a private email.
Product: Mortgage

Subject : Loan Modification RMA was Denied. Homeowner is claiming mortgage discrimination in the follow : Discriminatory Unfair Evaluation of Request for Loan Modification, PRA Principle Reduction Alternative. Homeowner claims is qualified under the appeals section within the DOJ/National Mortgage Settlement Agreement. 
This homeowner, feels that our case has been unfairly treated for the following reasons:1. Homeowner was denied for financial DTI Debt to Income ratio and the LTV Loan to Value percentage. 
2. Homeowner provided all the documents in a timely manner. The denial is unjustified and unfair. 
3. The bank stated that the homeowners income was low and could not afford their mortgage. 
The denial did not use the property value in the consideration the property was underwater. 
4. Key Bank did not use a NPV Report within their basis for denial. 
5. The homeowner had a first mortgage modified and has made more than the required 12 months of payments on time. 
6. The homeowner was separated from his his wife the cost of the XXXX household and wife and child support caused a extreme financial hardship : which caused to late payments on the mortgage. 
7. The Key Bank stated that homeowner does not meet the requirements? Homeowner was not provided a list of requirements, or given a basis of denial within the denial letter XXXX/XXXX/2015. 
8. Upon the denial of a modification, an appeal was verbally filed with Key Bank representative XXXX XXXX at contact number : XXXX, homeowner is within the 30 day appeal requirements. 
9. Since the denial of the loan modification, homeowner has requested via an authorized third party copy of the NPV Report, a basis of denial report, was the waterfall process used within the denial?
Product: Credit reporting or other personal consumer reports

Ive noticed several unfamiliar items on my credit report that I believe may indicate identity theft, as I did not authorize these accounts. I've raised this issue before, and Im now requesting that these accounts be removed from my report as soon as possible. Their presence is causing me significant stress and misrepresents my true credit history and financial management. If we cant resolve this matter promptly, I may have to consider legal action to protect my rights and seek a solution. These inaccuracies are seriously hindering my ability to achieve important financial goals, such as buying a home and supporting my family. I hope we can address this issue quickly. Thank you.
Product: Vehicle loan or lease

Payments have been miss applied since XX/XX/XXXX. I have called in every two weeks and issue still not fixed. 
XX/XX/XXXX XX/XX/XXXX Normal Payment {$170.00} Applied XX/XX/XXXX XX/XX/XXXX NSF Fee Paid {$20.00} Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$160.00} Applied XX/XX/XXXX XX/XX/XXXX NSF Fee Assessment $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$160.00} Applied XX/XX/XXXX XX/XX/XXXX NSF Fee Paid {$0.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$160.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$160.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX NSF Fee Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$150.00} Applied XX/XX/XXXX XX/XX/XXXX NSF Fee Paid {$15.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$160.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$160.00} Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$150.00} Applied XX/XX/XXXX XX/XX/XXXX NSF Fee Paid {$9.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$160.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$160.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$160.00} Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$400.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Principal Only Payment {$400.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX NSF Fee Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Principal Only Payment {$400.00} Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$380.00} Applied
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and emailed US Bank AND started a dispute with all the major credit reports. I did NOT have a 30 day late in XXXX. I was sent a second card, not know that I was paying on the wrong account. They reimbursed me each item and it took a few months for me to figure out what was going on. My lease is up and I need this off all my reports asap! I CAN NOT have this on my credit report until XXXX as stated below. I have NEVER made a late payment, as you can see by looking at my credit report. Please, please, somebody get this 30 day late off of my credit reports, please. Below see results for Transunions investigation ; INVESTIGATION RESULTS - DISPUTED INFORMATION UPDATED AND OTHER INFORMATION UPDATED A change was made to the item ( s ) based on your dispute and other information has also changed. 
US BANK # : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , MO XXXX ( XXXX ) XXXX We investigated the information you disputed and updated : Date Updated ; Payment Received. Here is how this item appears on your credit report following our investigation. 
Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Revolving Account Loan Type : FLEXIBLE SPENDING CREDIT CARD Balance : {$0.00} DateUpdated : XX/XX/XXXX Last Payment Made : : XX/XX/XXXX High Balance : {$180.00} Credit Limit : {$11000.00} Pay Status : >Account 30 Days Past Due Date< Terms : Paid Monthly Date Closed : XX/XX/XXXX Date Paid : XX/XX/XXXX >Maximum Delinquency of 30 days in XX/XX/XXXX and in XXXX Remarks : ACCOUNT CLOSED BY CONSUMER ; CLOSED Estimated month and year that this item will be removed : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, Equifax is obligated to ensure maximum accuracy and conduct a proper investigation. Additionally, under 15 U.S.C. 1681c-2, victims of identity theft are entitled to have fraudulent accounts and unauthorized inquiries blocked.

In light of the CFPBs recent enforcement action against credit bureaus for failing to conduct proper investigations, I am requesting this dispute be handled promptly and thoroughly. If Equifax fails to resolve these disputes and remove the inaccuracies, I will escalate the matter to the CFPB and seek legal remedies.

Data Breach Impact : As a victim of identity theft, likely stemming from the recent data breach, I am requesting immediate removal of all negative and fraudulent items. These inaccuracies have caused significant harm to my credit profile and must be addressed immediately.

Failure to act within the legal timeframe may result in further action. Please update me as soon as possible regarding the status of my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The following list of accounts below has violated my Federally Protected Consumer Rights, both privacy and confidentially under U.S.C. 1681.

The account is as follows : 1 ) US BKPT CT CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX - I.D . # XXXX ( Experian ) or I.D . XXXX XXXX or XXXX credit reporting agencies. 
15 U.S.C. 1681 Section : 602 ( A ) state I have a 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.

U.S.C. 1681C ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information nor any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I am requesting that these companies abide by the law and follow the rules accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out all that was required of me by TransUnion and XXXX, but yet again they are stalling. If these Fraud Alerts are not deleted, I will also file a XXXX  report.