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

I went to the Chase Bank website this morning to remit an ACH payment to a vendor. I set up the ACH payment for {$2400.00} and clicked the submit button. Rather than respond almost instantly, the transaction froze for a few seconds, and I ultimately received a message on the website indicating the ACH was successful.

Utilizing my same chase account as above, I went to remit another transaction on the Chase bank website, but my transaction did not go through, with an error message of " insufficient funds ''. I then checked the account itself and saw that Chase had submitted the ACH twice! At first, I was not concerned as the Activities Page of the website showed both the original and duplicate ACH payments ; however, the duplicate Payment showed as " Pending ''. It was my assumption that Chase had caught the error. I then called Chase bank. I spoke with at least four different people who all stated the same thing ; that is, " We can't get the money back, you have to contact the vendor ''. Even when reminded that I did not submit the duplicate Payment and same was either a technical error on behalf of the bank or otherwise was not authorized by the account holder. In short, Chase Bank 's position in these cases is that even if it is their error that caused the duplicate ACH, even if it takes weeks to get the funds returned, Chase bank has XXXX liability for the error nor cause to reimburse/Advance us the funds- they sent in error- pending receipt of the duplicate payment being returned by the vendor. This has caused a major disruption to our cash flow, and ability to professionally and adequately operate our business. The Last call at Chase bank was Call Record XXXX.
Product: Credit card

On XX/XX/2024, my credit union bank account was charged {$3800.00} by Citibank for my new credit card account with Citibank. This was a new card for a XXXX % APR balance transfer. I did not authorize a payment in this amount and I don't think any payment was even due yet, as it was a new card. I would have only authorized the minimun due at this time if there was a minimum amount due. I called Citibank and asked for the charge to be reversed. They said that I have to call back after XX/XX/XXXX because there is a hold on the payment. I called back same day to speak with someone else who might be able to explain to me why there was a hold. I was told by the XXXX person that it was still in processs and I have to wait for it to clear before they can reverse it. I told the representative that it has already cleared my bank account and my account is now overdrawn. I have automatic payments and bills due that will not clear my account because of this unauthorized charge. I called my credit union to dispute the charge and was told that because CITIbank said that they will reverse the charge, I have to wait and try to resolve this with them directly before I can dispute the charge on the credit union side. I am also wondering if the reversal of the payment might cause some complication in the zero % balance transfer APR, if they may consider it a transaction since it is now a payment reversal and this might be a bait and switch scam to charge interest. I am paid monthly and so my account will remain overdrawn until this is resolved and I will not be able to pay any bills or expenses from my checking account. I was not given any satisfactory explanation as to the reason this payment/charge occured and why they can not reverse it right away. They claim it is still processing but it has already cleared my bank account. It is not a pending charge on my bank account, it is a full charge. This is a CITIbank XXXX prefered credit card, XXXX % APR balance transfer, last XXXX digits of account XXXX. CITIbank XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by our lender when applying for a home that my Equifax report is coming back with an issue and that I would need to call Equifax to get it resolved. I called Equifax on XX/XX/XXXX and was told that I would need to mail documentation of my social because I was not pulling up in their system. On XX/XX/XXXX I overnighted through the post office my W2 and a copy of my drivers license. I called multiple times and they said nothing was received. On XX/XX/XXXX I received mail from Equifax stating that they received my information but they were unable to locate my credit file. I called Equifax again on XX/XX/XXXX and they told me that a lady by the name of XXXX XXXX at the address of XXXX XXXX XXXX in XXXX, IL was using my social, but they could not tell me any more information. I went to submit a report with the FTC on XX/XX/XXXX and they asked if this woman had used my social to open any accounts. Of which I did not know the answer to, so I called Equifax back on XX/XX/XXXX and they said we can't find you in our system. I hung up and then called back and asked to speak with a supervisor. XXXX, the supervisor stated that if he could pull up the documents I sent in he might be able to figure out what is going on. After being on hold, he then comes back to tell me that they can't find the documents that I mailed in. So he wants me to mail them in again. I asked if there was any other options as clearly their mail does not get reported correctly as I got a letter stating they got my documents, but now no one can find the documents. The only way to send in the documents is through the mail. This is concerning because if these documents are lost, how do they know that they did not end up in the wrong persons hands? And now I have to mail documents again and hope that they make it there and are recorded correctly. Please keep in mind that XXXX as well as XXXX have XXXX issues with pulling up my information. It is only Equifax that I am having issues with. This is delaying our home buying process and it is very frustrating.
Product: Mortgage

I have called several months ago to request PMI be removed and was advised it would not be until 11 years. 

I looked today and noticed that your site indicates : " Automatic PMI termination Even if you dont ask your servicer to cancel PMI , your servicer still must automatically terminate PMI on the date when your principal balance is scheduled to reach 78 percent of the original value of your home. For your PMI to be cancelled on that date, you need to be current on your payments on the anticipated termination date. Otherwise, PMI will not be terminated until shortly after your payments are brought up to date. '' My principal has reached this threshold but I am still being charged PMI. I tried to contact my mtg company again and got this message : That my loan would not be eligible until 2025 ( the 11 years again )
Product: Credit reporting or other personal consumer reports

Avant XXXX23 after seeing if I was preapproved the company did a hard inquiry and started soliciting me for loans XXXX XXXXXXXX23 I was asked if I wanted a rewards card wasnt informed it was a credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday XX/XX/XXXX I was made aware of a security breach of Equifax systems and notified that my personal data had been compromised during the breach. This is a very concerning problem considering the struggles I have been through to repair my credit just to have it exposed by a company I trusted would have better security measures than to allow a breach of security that lasted for multiple months.
Product: Mortgage

To Whom It Might Concern, XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX XXXX XXXX My name is XXXX XXXX XXXX, I am a XXXX patient, divorced, and owner of the above real property. I am struggling on my mortgage payments, I pray to keep my only home for my XXXX young kids and I would like to have a more affordable monthly payments. Recently, I got pre-approved for a Trial Payment Plan on XX/XX/XXXX for our account, the Trial Payment is {$430.00}, Chase Relationship Manager Specialist XXXX XXXX said the amount to be paying permanently will be approx close to {$430.00} and now it could be {$480.00} or more monthtly according to the new letter dated XX/XX/XXXX we just received. I am confuse of What Chase is Doing : This is higher than what I have paid before. Language of the benefit of Modification said this option make our payments or loan terms more affordable, this is not more affordable because it is higher than before. I pray Chase to do maximum year terms and lowest fixed rate so I can continue to fufill my duty to Chase as a customer and my duty as a mother to provide a roof to my young children. I do not know how long I live but day by day I struggling to pay all the bills not limit to the first Mortgage  that I am obligated to monthly. The root of the problem was I trapped in default when the amoutn we were paying was {$400.00} in XX/XX/XXXXkeep balloonly increased. It does not make sense to pay $ XXXX/m since I went fell to default for $ XXXX/m. My heart and soul do not want to have our only home to fall into foreclosure again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I submitted a request to Experian to send me all original documents with my signature to me for my verification. In which all accounts were deleted from my Experian credit report. This has left me with no credit rating at all. my credit report says I don't have a credit rating, It is XXXX. I contacted in XX/XX/XXXX by phone and I was told that I was reported as deceased. I asked for someone could explain to me why would I been reported deceased for asking for verification of documents. No one would give me a answer at first, then I told that someone from Experian contact me to fix the problem. 
It is now XX/XX/XXXX and I have not been contacted or can anyone explain why was I reported to be deceased. This is critical to fixing my credit. I have been a victim of identity theft before, now I believe that I am being victimized by Experian also.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised by a XXXX and Equifax rep to fill out this report because of unauthorized inquiries in my report. Please remove all of these fraudulent unauthorized inquiries on my report. 

Please remove all the fraudulent unauthorized inquiries on my report. Thank you for your help, this is hurting my credit and reporting false information to future creditors. XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

Issue # XXXX : In XX/XX/2023, I called XXXX to inform them I was having difficulty making my credit card payments for Acct ending in # XXXX and Acct ending in # XXXX, due to an unforeseen family crisis. We reached an agreement and on XX/XX/2023 I received two Confirmation Repayment Plan letters from XXXX for both accounts which stated a monthly payment of {$110.00} for Acct # XXXX and {$130.00} for Acct # XXXX. I paid the following amounts on time per our agreement : XXXX Ending in XXXX XX/XX/2023 {$110.00} Reference Number : XXXX XX/XX/2023 {$110.00} Reference Number : XXXX XX/XX/2023 {$110.00} Reference Number : XXXXXXXX XXXX  Ending in XXXX XX/XX/2023 {$130.00} Reference Number : XXXX XX/XX/2023 {$130.00} Reference Number : XXXX XX/XX/2023 {$130.00} Reference Number : XXXX XXXX is now telling me that even though they verified via phone I made my payments on time, they have the discretion to fraudulently report to the credit bureaus that my payments were late due to the payment agreement I accepted. I honored my part but they refuse to honor theirs and this has caused me issues on my credit report. 

Issue # XXXX : XXXX does not allow customers to set up RECURRING monthly payments via phone OR online. XXXX 's online UI " Set Up a Recurring Payment '' section first automatically FORCES a customer to make a monthly payment FIRST by enabling the 'Make a Payment ' option and inserting today 's date or another date through the end of the current month with NO way to deselect that option to not make a Payment. Then when you navigate to the 'Set up a Recurring Payment ' Option below, the dropdown only allows you to select " the XXXX of the month, the XXXX of the month, the XXXX of the month etc. vs. a specific date the recurring monthly payments should start on. What this does is allow XXXX to collect DOUBLE payments for the current month, and if you do not want to make a double payment you can not set up a recurring monthly payment. This happened to me with both cards above over the summer of XXXX and I was not able to get groceries for the children for 1 week because I had not agreed to make a double payment for both cards and when I called XXXX then they said there is nothing they could do. Nearly 1 year later the problem still exists, causing financial distress for their customers. Lastly, if you can't set up recurring monthly payments XXXX will be happy to collect late fees.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$22000.00} XX/XX/XXXX XXXX : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$22000.00} XX/XX/XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of XXXX : XX/XX/XXXX XXXX XXXX  Date of inquiry : XXXXXX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$22000.00} XX/XX/XXXX
Product: Vehicle loan or lease

I got a car from a dealer ship buy here pay. XXXX XXXX At the dealership I was told I would pay total {$17000.00}. For a XXXX XXXX XXXX XXXX that had XXXX thousands miles on it. After several attempts to refinance my car because the payments have been hard to maintain. So I stopped trying to refinance my car. Just so I knew I checked Credit Acceptance who has the account. On that app it says that I owe {$32000.00} total. And I have {$22000.00} left to pay. Which what confuses me because I check the value of my car with the miles of at what I bought it at. They are only worth {$9500.00}. I've had to fix the starter twice. I had to maintain everything that happened to.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be updated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$2100.00} XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$650.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$650.00} XXXX XXXXXXXX Balance : {$650.00} XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

After Disputing my credit with Equfax by phone and on line the online report became unavailable. They continue to report multiple accounts it took 3 weeks to get them to send me a copy of my report by mail. They refuse to update my address information and are still reporting an address I have never had which ccould be associated with Idenity theft XXXX XXXX XXXX, XXXX Tx XXXX I have disuted this address several times. I never lived here or know how it has come to be on my report. They contine to report my student loans multiple times when I called the collection agencyes who they show to be reporting them I was told thet the reason they are showing up on my report is because Equifax is sending them repeated investigations ect but that they should have droped off after 30 days as they are no longer reporting them the loans have been discharged and I no longer owe them. They are reporting them 9 times.While there were only XXXX loans that have been completley dicharged. Also they have elected to now only report my negative credit and have erased all of good credit. which is only being reported by Transunion and experian. They wiped it off since 2013 when I last disputed my credit with them. Now because off their missreporting the amounts of inaccurate debts that were part of Identy theft XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX. They continue to report these account along with the collection agencey who continue to harrass me in regards to the stolen credit cards.By doubleing the accounts and in the case of the student loans trippleing the number of negative accounts tremendousley effecting my credit score. After contacting the above original creditors they have all told me they have no rights to the accounts they have long been sold and are not updating or any longer reporting to the credit bureaus.
Product: Mortgage

My name is XXXX XXXX XXXX. I send in my information about my mortgage and how XXXX XXXX and Ocwen is doing Fraud on my mortgage. I never heard back for consumer Financial If you find any thing that can help me save my home. my number is XXXX have about month before I 'm on the street
Product: Credit reporting, credit repair services, or other personal consumer reports

30 day late payment notice added to my credit report for the month of XX/XX/2022 by PayPal Credit. 

I had signed up for automatic payments however the amount was not taken from my account. I then attempted to make a payment before the 30 days however, the payment never went through dispute all of my information being correct and my account being directly connected to my checking and savings account. 

I have tried to resolve this with them via email. 

In accordance with the Fair Credit Reporting Act I believe this this creditor has violated my rights under 15 USC 1681.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I was setting up my online account for my Citi credit card. While completing this process, I was prompted to apply for a personal loan. I mistakenly selected yes but failed to enter an amount. The next day, I received a letter stating that the personal loan application was not approved. The reason given for the non-approval perplexed me. ( see attachment # 1 ) As a result, I obtained a copy of my XXXX credit report before calling Citi customer service and asking for an explanation of the reason stated in the denial letter. The rep that I spoke to said I needed to contact XXXX because they received information from them. 
I spoke to XXXX, employee ID XXXX, and was informed that no hard inquiry had been made regarding my credit ; therefore, Citi could not have gotten its information from them. 
He further stated that the report from XXXX was accurate.