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

To Whom It May Concern, I am writing to file a formal complaint against Chase Bank regarding unauthorized transactions and their refusal to return the stolen funds from my checking account. Despite numerous attempts to resolve the issue directly with the bank, I have not been able to recover the funds. 

Timeline of Events : XX/XX/year>, XXXX XXXX : I received a call from phone number XXXX, where the caller, identifying himself as XXXX XXXX from Chase Bank, informed me of fraudulent transactions on my account. He asked if I recognized charges for {$130.00}, {$440.00}, and {$9.00}, which were made in the XXXX area. I confirmed that these charges were unauthorized and not made by me. 

The representative, XXXX XXXX, placed me on hold for about XXXX minutes before assuring me that these charges would be reversed. He then asked me to provide a code sent via text message, which I read back to him. 

During the conversation, I noticed additional unauthorized charges, including {$800.00}, {$800.00}, and {$1800.00} taken from my account. I inquired about these charges, and XXXX explained that the bank was " working on my account '' and " performing system tests. '' I was placed on hold for a total of approximately XXXX minutes during this conversation. 

XXXX then informed me that he would call back from a different phone number, which was XXXX. I was on and off the phone with XXXX for a total of XXXX minutes plus an additional XXXX minutes, while he attempted to resolve the issue. 

Unauthorized transactions, including deposits and transfers, continued to occur. The following actions were taken without my consent : {$100.00} was deposited into my account from a Chase ATM. 
{$10000.00} was transferred from my savings account to my checking account. 
I requested a case number, and XXXX provided the employee ID number XXXX and case number XXXX. 

On XX/XX/year>, I discovered an additional {$200.00} had been withdrawn from my account. I contacted the Chase Fraud Department, but the representative I spoke with was difficult to understand, and I was transferred multiple times without a clear resolution. 

On the same day, I visited the Chase XXXX branch, where I closed all my accounts and credit cards. The branch employee, XXXX XXXX, assisted me in opening new accounts and filing a formal complaint with Chase Headquarters. Additionally, I filed a police report with the XXXX Police Department, which I submitted to the bank. 

Audio Recording : During my call with XXXX XXXX, I recorded part of the conversation on my phone, which may serve as evidence of the claims I am making. I am willing to provide this recording to aid in the investigation if needed.
Product: Credit reporting or other personal consumer reports

RE : Formal Complaint Regarding Incorrect Address Reporting Dear Sir or Madam, I am writing to formally complain about Experian 's continued reporting of an incorrect address on my credit report, despite previous attempts to dispute and resolve this matter. The address being reported is XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX, and it is not associated with me or my credit history. 
Background of the Issue : 1. 2. 3. I first disputed this incorrect address on XX/XX/year> following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). 
Despite submitting documentation to verify my correct address, Experian continues to report the inaccurate address on my credit report. 
This repeated inaccuracy is negatively impacting my credit profile and causing undue frustration. 
Correct Address : My correct address is as follows : XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX Documentation Provided : I have attached the following documents for verification purposes : 1. 2. 3. Copy of my drivers license or state-issued ID. 
Recent utility bill or bank statement showing my correct address. 
Previous correspondence regarding this dispute. 
Resolution Requested : I respectfully request that Experian : 1. 2. Immediately remove the incorrect address, XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX, from my credit report. 
Confirm the correction in writing and send me an updated credit report showing the changes. 
Escalation Notice : If this issue is not resolved within the 30-day period required by the FCRA, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and explore additional legal remedies. 
Thank you for your immediate attention to this matter. Please contact me at XXXX if you require additional information or documentation. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

In XX/XX/XXXX I leased a XX/XX/XXXX XXXX XXXX for a term of 39 months. On XX/XX/XXXX I traded in the XXXX  early with a promotion the dealership was offering. The agreement was that the remaining lease obligation would be paid off and I would lease a new vehicle. On XX/XX/XXXX the saleperson requested and received a payoff quote for the amount of XXXX. The quote states " the maximum amount the lease will owe, assuming no excess wear charges ''. This quote amount was valid until XX/XX/2018. The dealership paid the XXXX on XX/XX/2018, before the expiration date of said quote. In XXXX I received a letter from Ally stating that I owed XXXX??? ( I do not have the statement available to me right now to verify exact amount ) that wasn't covered. I immediately called the dealership and was originally told that the dealership did not pay the correct payoff amount and that I should either pay the amount to Ally or I should ask the dealership to pay the remaining balance on my behalf. 
After speaking to the dealership, I was advised that this was a mistake on the part of Ally and documentation was provided to me showing the payoff amount and that amount paid out to Ally. When I called back to Ally to resolve the issue I was then told that I missed the payment sue on XX/XX/2018. I informed them at that time that the car was turned into the dealership before that payment and that was to be included in the final payoff that was submitted by them to the bank. Why would I pay a payment for a car I do not have and had already been closed out based on their quote? Upon further phone calls they then changed their story to I missed the XX/XX/2018 payment. At that time I asked  them to send me a list of all the payments that they had received from me. After numerous requests for this information I was finally emailed this information. A few days later after the receipt of this email, I called back and asked to speak with the department head. I was placed on hold and was never transferred. I then emailed asking that I receive a return call from the department supervisor, which did not happen. The documentation that they provided to me shows that they in fact acknowledge receiving EVERY SINGLE PAYMENT up until the lease turn in date of XX/XX/2018.  According to their own records I did not miss any payments. In a collection call that I received last night, I was informed that they will be reporting this small amount to the credit agencies. I need resolution to this problem since Ally refuses to review their own records. The payoff they provided was paid as they asked for. Their was wear and tear insurance on this vehicle, so their was no charges for that. I do not appreciate how their story keeps changing instead of finding the true mistake. The dealership has even tried to resolve this issue on my behalf without success. They argue that they have never seen this situation. Even if I did owe a missed payment that should have been included in the final lease payoff amount. I do stress I never missed a payment.
Product: Vehicle loan or lease

Capital one Bank application close it before I have option to pay monthly or weekly. If he does not charge me on time this mean he have a problem in him program and they keep asking about with all amount or is going to take the car, and when I call dont give me an option. And they keep sending emails to me. Im gon na take the car anytime. Capital one start a problem and When I call nobody help and they say I dont have no option Account number ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon! I XXXX XXXX I am trying to dispute these closed account on my credit report because I sent them a letter regarding my dispute XXXX and XXXX. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protect consumer rights to privacy and confidentiality under 15 USC 1681.I contacted the collection agency during XXXX and XXXX for all these closed accounts 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 Account # XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be removed off my credit report.

15 U.S.C 1681 section 602 A. States I have right to 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

They sent me this letter stated that this has been verified.Therefore I would like these account to be removed off my Experian, XXXX and Experian account. This company is violating my consumer right to privacy pursuant to 15 U.S.C 1681b 2. Company has also No permission to report anything using my info pursuant to 15 USC 1681 4.
Product: Student loan

I have contacted Navient numerous times to negotiate a lower payment. I just neeed a lower payment for a short amount of time and they did not care. I offered to pay {$600.00} of an originally $ XXXX/mo student loan payment and they would not budge. I called my other loan company ( XXXX ) and they lowered my payment by 75 % a month for a year to help me get back on my feet. Navient is nothing but a predatory loan company that does not care about their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the amounts listed ( {$350.00} ) are current and are in school deferment and have been reporting on my credit report when they shouldn't. This is hindering a lot of progress I could be making with my credit especially trying to get a house. Every disbursement I have is there for lenders to see which is why everyone has turned me down for everything.
Product: Debt collection

I moved out of this place the same time XXXX XXXX did and she owed nothing as well as I. XXXX remained a tenant for however many months/ years after. She said she had no mark on her credit at all. I haven't ever bother to really look at my credit until recently. The company itself once I bothered to check has a XXXX star rating and multiple claims from people experiencing similar debts popping up on their credit.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding the inaccurate reporting of a late payment by this creditor to Experian. Their records incorrectly show a payment as late, even though it was made on time. This false information remains on my credit report, unfairly damaging my credit score and financial standing.
Product: Debt collection

Please stop this company from harass my for a debt I do not owe this company said I owe a debt when I was deployed from XXXX of XXXX to XX/XX/XXXX I am a victim of identity theft when I accrued I inserted and extending fraud alert to contact my before and new accounts was opened in my name and this company file to do so. I understand that mistakes happen all the time that's why I asked for a investigation the company then reinserted the account on my credit report so now I'm making a compliant because I need help resolving this issue with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a disputed to all three credit bureaus against American Collections open balance of {$65.00} in XXXX. XXXX ( XX/XX/2021 ) immediately removed outstanding amount from Credit Report however XXXX  and XXXX  came back that the amount was valid. I proceeded to submit ( XX/XX/2021 ) the dispute report from XXXX  and XXXX  is currently researching for over 30 days and XXXX  came back that the amount was valid. I attempted to resubmit a dispute to XXXX  and I was not allowed as it was determined that the matter was closed. I then waited a few days and submitted another dispute with the XXXX XXXX report and a copy of the money order ( XX/XX/2021 ). Immediately I received an email that the dispute was valid. I proceeded to call XXXX  where I was repeatedly asked what new information did I have available. I asked the representative what additional information would be needed than proof that another credit bureau found the information needed to be removed without any documentation. However I also submitted a copy of the money order. After being asked multiple times if I had additional information the representative stated they were able to see the documentation I originally submitted and hopefully the reviewers would see it and remove American Collections from my report. However I receive multiple emails from XXXX  that the matter is being investigated and XXXX  states it is still under investigation. There is no reason that this issue should have taken multiple submissions over 2 months. It should be resolved and the items removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I found out XXXX of my credit cards had been used to add 4 authorized users. My account was closed through no fault of my own i paid balance in an attempt to keep my credit good, the credit card company reported my card as charge doff even though i paid the account in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX  XXXX {$5300.00} XXXX XXXX  XXXX {$520.00} XXXX XXXX  XXXX {$5000.00} XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$650.00} XXXX XXXX {$130.00} XXXX XXXX {$85.00} XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX {$590.00} DP OF EDUCXXXX {$8500.00} DEPTEDXXXX XXXX {$12000.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$780.00} XXXX XXXX   XXXX {$560.00} XXXX XXXX {$20000.00} XXXX   XXXX {$110000.00}
Product: Debt collection

Beginning XX/XX/XXXX, I have been receiving harassment phone calls from a debt collector. I belive the name of the agency I have been given is Portfolio Recovery Associates. 

The debt they are attempting to collect is not valid and was removed from my credit report by all three bureaus after a dispute. 

This company has continued to harass me making up to 13 calls back to back repeatedly.
Product: Credit card

Around XX/XX/XXXX, we purchased XXXX sim card to use on our wireless hotspot for internet, and after receipt of the sim card, we had a difficulty to activate the card to use internet. So around XX/XX/XXXX, we sent an email to the merchant to get their technical support. While we were waiting for the technical support, on XX/XX/XXXX, we ordered another sim card expecting a new sim card would work without any problem. 

However, the second sim card also had problem activating the service, so we immediately sent another emails to request their technical support. However after several attempts, XXXX had never called back nor provided the proper support to activate the sim cards. Since they never responded to our repeated support requests, we returned both sim cards back to the merchant since there is a refund policy for the non-activated device. 

However, even though those two sim cards had never been activated and successfully returned back to the merchant on XX/XX/XXXX, XXXX kept charging their monthly service as follows ; XX/XX/XXXX {$65.00} XX/XX/XXXX {$65.00} XX/XX/XXXX {$86.00} XX/XX/XXXX {$110.00} XX/XX/XXXX {$110.00} After waiting for several months of their refunds to be processed, we did not see the expected refunds for this non-activated sim card, so we opened the credit card dispute with Discover claim service representative. After almost two-months investigating along with merchant 's responses and our request to re-open the dispute, Discover has closed the case indicating that those transactions found to be valid. So we contacted the claim department again on the phone explaining that XXXX had never answered to my repeated support requests nor returned sim card from the return support, but Discover claim representative asked me to send them the merchant refund policy. So we found the XXXX refund policy that clearly indicating that they would refund on the non-activated devices, and send a copy to the claim department to re-open the dispute case, but Discover card claim department said they had already taken the policy into consideration when they closed the case. 

This doesn't make any sense as I had all I could do to get the merchant technical support to activate the sim card, but simply they stopped responded, so I had to return those non-working sim cards. I was kept charged for the service that I've never received simply because the merchant had not provided support. Activation of sim card is under the XXXX control, so all I could do is to get their technical support in order for us to get their service.
Product: Credit card

On XX/XX/year> I sent over a payment to Chase, they refused to accept my form of payment, I have no received any written response nor a form of resolution, below are laws that they are violating. 

Under 15 U.S.C. 1666 ( b ), part of the Fair Credit Billing Act ( FCBA ), consumers are provided with the right to dispute billing errors, including unauthorized charges, errors in the amount charged, or charges for goods or services that were not received. This statute lays out the procedures for disputing a billing error and the obligations of the creditor when handling such disputes. 

A creditor shall not, prior to the end of the time period allowed for payment of undisputed amounts, report that an amount or amounts in dispute under this section are delinquent because the amount or amounts remain unpaid. ( 12 CFR 226.13 ( e ) ) Regulation Z, part of the Truth in Lending Act ( TILA ), governs the time of payment and ensures transparency in credit and billing practices. It includes rules on dispute resolution, billing error correction, and the time limits for creditors to respond. 

The payment due date must be clearly disclosed, and any penalties for late payments must be specified. 

Disputes over the timing or application of payments are covered under the dispute resolution procedures mentioned in 15 U.S.C. 1666 ( b ).
Product: Credit card or prepaid card

XX/XX/2020 I made a XXXX payment. Either target or I selected and inactive bank account. It was returned. Target froze the account and removed automatic payments without my knowledge. This resulted in a missed payment in XXXX which I only found out when I ran my credit report. I called and and asked what happened.They said that their system did not present the wrong account and that they mailed a notice. The problem is that mail was not being delivered due to Covid. I have been their customer for many years and have never missed a payment. I have since payed the entire account. This seems wrong to me.
Product: Credit reporting

Since " hard entry 's '' are of public record -- I choose that area as the area I wish to dispute. 
I just reviewd my Credit Report completely looking at each section and what it means. I read about the hard credit inquiries and I dispute that XXXX had my permission to check my credit. I called them to ask questions about their services because I was thinking about changing my carrier. I WAS NOT ready to change carriers at that time. Just inquiring about their rates. I DO NOT think I should have a hard entry from them on XXXX XXXX, 2015! I only asked questions over the phone about the rates and promotions that were available at that time. I do not remember being told they were going to check my credit because I was not ready to go to the next step to start service with them and change carriers. If I had been informed, I would have told the agent, " NO! DO NOT Check My Credit! I am Not ready to change carriers yet! '' So, I would like this " hard entry '' from XXXX removed from my credit report. Thank you in advance for your attention to this matter.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXXBalance : {$270.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts with the agency to delete addresses and Names that do not belong to me. I have given them my proper Name and address and it seems that experience continues to report an accuracies on my credit report. These and accuracies jeopardize my credit worthiness and any future and accuracies can hinder me from pursuing forward in life. 
I have recently tried to attempt to have these inaccuracies removed and I received an email from them a couple of days ago saying that it seems that it was not for me and they will not make any changes to my credit report I've worn them on several occasions. In my recent attempt I even notified them that I will be taking them to court to sue them and still they refuse the honor my requests. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a charged-off account from XXXX Card that does not belong to me on my credit report. I reached out to XXXX Card by certified mail requesting that they provide and prove the Validity of the Account. XXXX Card did reply or respond to my Letter. I tried calling but the Representative said she did not have access since it is charged off and could not help me. I sent XXXX Card a second certified mail asking them to provide a proof or a signed agreement/document with my signature to Validate the Account, but I still did not get any responses. XXXX Cards failure to respond within 90 days of receipt of my certified letters is a violation of the Fair Debt Collection Practices Act ; therefore, XXXX Card should delete all entries from all credit reporting agencies. 
Negative mark placed on my credit reports ( including XXXX, XXXX, and Equifax ) from XXXX Card for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act ; therefore, if they can not prove the validity of the account, XXXX Card must request that all credit reporting agencies delete the entry. 

Account Number:XXXX XXXX Card XXXX XXXX XXXX XXXX DE XXXX