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

I stopped by the Chase location in XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX NY ) around XXXX on XX/XX/2022. At this location, I used the far left of two ATMs to withdraw {$20.00}. After leaving, I got a text from Chase Fraud at XXXX asking if I just withdrew {$400.00} from the same ATM location. I responded NO at XXXX, upon which Chase sent a text saying they would close my card and send me a new one. 

The next day ( XX/XX/XXXX ), I called the chase number on the back of my card ( XXXX XXXX XXXX ) to report the fraudulent withdrawal from the night before. I explained what happened and submitted a claim ( ID : XXXX ), to which I was credited {$400.00} in my account. 

On Friday XX/XX/XXXX, I saw in my bank account that {$400.00} was being withdrawn from my bank account as a claim reversal. Surprised, I called Chase on XX/XX/XXXX to ask what happened. Chase said that since I was still in possession of my card, the charge was mine and denied my claim. Chaise claimed they reviewed video and the evidence justified the claim reversal. The representative told me that I could go to the Chase branch and talk with the Branch Manager to get video from the ATM vestibule camera ( even though Chase said they reviewed the video ) and submit it as proof. Until then, there was nothing they could do. 

Today ( XX/XX/XXXX ), I went to the branch in question and talked with the branch manager ( XXXX ). He said all camera activity is monitored by a third party and that he was unable to procure the camera from the ATM vestibule or the ATM itself in order to send to Chase. He said there was nothing he could do except call Chase 's fraud department in order to reopen the claim. 

I again called the Chase claim department and asked to reopen itthey said the claim was closed and short of faxing them new evidence, there was nothing they could do. They even recommended me going to the branch and asking for evidencewhich is exactly what I just did. This has been a very frustrating process for meI 've been a Chase customer for over 10 years and am on the brink of moving to another bank.
Product: Credit reporting or other personal consumer reports

As a federally protected consumer under the Fair Credit Reporting Act, I am reporting numerous violations of the law by Barclays Bank Delaware and all three major credit bureaus ( XXXX, XXXX, and XXXX ). Not only has my nonpublic information been unlawfully reported by Barclays to each bureau against my written instruction, but the information reported includes numerous inaccuracies that require correction. The Privacy Act of 1974 and 15 USC 1681 ( a ) ( 4 ) both require that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Furthermore, according to 15 USC 1681b, any consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. I have not given any instruction to the bureaus to report my nonpublic information. On the contrary, I have exercised my continuing right to opt out of any sharing of my nonpublic information per 16 CFR 313.7 that states a consumer may exercise the right to opt out at any time by mailing an opt out notice to the creditor ( see attached letter sent to Barclays on XX/XX/XXXXXXXX XXXX XXXXXXXX ). Barclays did not honor my notice when they reported past due payments and an account closure for my XXXX XXXX XXXX. According to 15 USC 1681a ( 2 ) ( A ) ( i ) consumer reports can not lawfully contain information regarding the transactions between the consumer and the person making the report. 15 USC 1681c prohibits the reporting of any adverse items of information ; as such, derogatory reports like late payments, delinquencies, and account closures are in direct violation of the law. Furthermore, all three bureaus list my account as 120 days past due when, according to 15 USC 1666b ( a ), a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Both 15 USC 1681 ( a ) and 15 USC 1681e require consumer reporting agencies to ensure the accuracy of the information they report, and there are numerous discrepancies and inaccuracies between the three bureaus reporting on this account. XXXX reports an account balance of {$16000.00} in XX/XX/XXXX while XXXX reports {$12000.00}. XXXX also reports scheduled payments of {$170.00} for XX/XX/XXXX and {$470.00} for XX/XX/XXXX while XXXX reports {$140.00} and {$340.00}, respectively. XXXX and XXXX show the date of first delinquency as XX/XX/XXXX while XXXX shows XX/XX/XXXX. XXXX reports a past due amount of {$0.00} for XX/XX/XXXX, while XXXX reports {$1700.00}. XXXX shows the account was closed in XX/XX/XXXX, while XXXX and XXXX both report it closing in XX/XX/XXXX. None of the bureaus report this card as XXXX XXXX, and it has been charged off since XX/XX/XXXX.
Product: Debt collection

In 2014 my doctor requested that I receive a screening from a company called XXXX XXXX XXXX ( XXXX ) The marketing material provided there would be no cost to me as the patient if my insurance company did not pay the bill. Subsequently, XXXX was found in violation of the Fair Claims Act by attempting to defraud insurance companies and Medicare, and by providing kick-backs to prescribing doctors.They were forced to pay millions in fines and were forced into bankruptcy. 
A week ago I was contacted by XXXX XXXX, a representative of Monterey Financial Services, XXXX XXXX XXXX, XXXX, CA XXXX demanding repayment of charges amounting to {$3700.00}. I have disputed the claim, but fear the company will continue to harass me concerning this. In addition, they are certainly going after many others. I believe this is a clear violation of several laws, including the Fair Debt Collection Act, and would appreciate any assistance you might be able to provide.
Product: Debt collection

On  XXXX   XXXX ,   XXXX  , Representative  XXXX , called me 9 times on my phone and then called my employment. I contacted the representative and he threatened to garnish my wages. He was rude and very unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

VIOLATES HIPPA AND CRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX /commodity Bank about an account that I closed in XX/XX/XXXX after I paid in full. In XXXX XXXX they sent me a bill that stated it was owed.but the agent could not explain for what. thinking I will just pay It and end this. Well not so, again I was billed in XX/XX/XXXX this time for {$2.00} I called each time I was promised this has been satisfied.it was only until XX/XX/XXXX this time {$19.00} at no have I used this account since my last payment in XXXX XXXXOnce again I was assured this is all done. I filed several written dispute with XXXX XXXX and with XXXX and still to this date I was contacted by XXXX that my account has been marked as a missed payment I just seen to make this go away. was closed and XX/XX/XXXX. Since then I have continued to be charged {$19.00} a month. I've spoke with several representatives to get this issue taken care of yet to current date. It is still affecting my credit score as a bill that'I owe and I can't do anything.I really need help. My credit is being ruined for something someone's else is doing either purposely or by error either was I'm paying for it
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to contest the presence of this bankruptcy on my credit report. The dates of filing, reporting, and closure do not align. This is troubling since I possess a court letter clearly stating that this bankruptcy should not be reported. Additionally, the involvement of an unauthorized third party adds to the absurdity of this situation.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Dispute of Inaccurate Credit Reporting by XXXX XXXX Dear Sir/Madam, I am writing to formally dispute the inaccurate reporting of charge-off accounts by XXXX XXXX on my credit reports. Below are the details of the accounts in question : XXXX XXXX Accounts : Account Number : XXXX Balance : {$1900.00} Date Opened : XX/XX/XXXX Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Account Number : XXXX Balance : {$1600.00} Date Opened : XX/XX/XXXX Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX I am disputing these accounts based on the following points : No Contract with Collections Company : I have no contractual relationship with the collections companies reporting these debts. According to the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1692e, debt collectors must report accurate information and must not use false, deceptive, or misleading representations. The absence of a direct contract with these collections companies invalidates the reporting of these debts on my credit report. 

Unpaid Charge-Offs as Income : According to the Internal Revenue Service ( IRS ) , an unpaid charge-off is considered income. The FCRA stipulates that income can not be reported on a credit report. Therefore, these charge-offs should not be reported as they misrepresent the nature of the debt. 

Continuous Reporting of Charge-Off : These accounts have been reported as charge-offs every month for an extended period, which is misleading and not an accurate reflection of the debt 's status. Under the FCRA, information reported on my credit report must be accurate and not misleading. The repeated reporting of these charge-offs is not compliant with this requirement. 

Sale of Debt : The debts associated with these accounts have been sold to other companies. The original creditors should have updated the account status to indicate this change. Reporting the debts as active charge-offs after they have been sold is inaccurate and misleading. 

Issuance of Form 1099-C : I have requested Form 1099-C from the original creditors, which should have been issued to indicate the cancellation of the debts. The absence of these forms suggests that the debts should no longer be reported as active. 

I have previously disputed this matter with the credit bureaus ( TransUnion, XXXX, and XXXX ) and the original creditors, but the issue remains unresolved. Therefore, I am seeking the assistance of the CFPB to investigate this matter and ensure that my credit reports are corrected to reflect accurate information. 

Please find attached copies of relevant documentation, including my communications with the original creditors and the credit bureaus. 

I request that the CFPB intervenes to have these inaccurate charge-offs removed from my credit reports promptly. 

Thank you for your attention to this matter. 

Sincerely,
Product: Mortgage

AFFIDAVIT ATTESTING TO COURSE OF PERFORMANCE UNDER PENALTY OF PERJURY I, XXXX XXXX XXXX, the living woman, hereby declare that : 1. On XX/XX/year>, XXXX XXXX XXXX XXXX commenced a forensic audit attesting to the separation of the debt obligation and the mortgage agreement constituting fraud committed by XXXX, of the note by XXXX XXXX to XXXX XXXX Trust. 
2. Through Course Of Performance ( XXXX XXXX ) XXXX was notified as to the fraud created by the separation of the debt obligation and mortgage terms of Loan # FNMA XXXX Trust ; XX/XX/year>, Notice of Mortgage Fraud XX/XX/year>, XXXX certified mailing # XXXX, Second Notice of Fraud Affidavit of XXXX XXXX XXXX XXXX attesting to the separation of the note done by XXXX XXXX XXXXo XXXX XXXX Trust included in Second Notice 3. Due to fraud of the separation of the debt stream and the mortgage terms the mortgage contract between XXXX XXXX and XXXX XXXX XXXX and the entity, XXXX, is void. 
4. Release of Mortgage was recorded with XXXX XXXX Deeds and records, Deed Book : XXXX PG : XXXX on XX/XX/year>, and there is no lawful attachment of the Loan # FNMA XXXX Trust to XXXX. 
5. Release of XXXX was recorded with XXXX XXXX Deeds and records Deed Book : XXXX PG : XXXX on XX/XX/year> 6. The publication by XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX listed in the XXXX XXXX, to foreclose on my property dated XX/XX/XXXX, XXXX and XXXX, has been posted fraudulently as the property has been conveyed into the private. 
7. XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX did not notify me or send a copy of the publication prior to running the publication in the XXXX XXXX. 
8. My property has erroneously been listed for foreclosure on auction.com.

9. If any man or woman wishes to dispute the facts contained herein, they may do so by a sworn affidavit, executed under the penalty of perjury, and placed on the record for all to see.
Product: Debt collection

I contacted XXXX and XXXX XXXX at XXXX on XX/XX/year> at XXXX. The call lasted for XXXX and XXXX seconds. They have been calling several times a day everyday for the last XXXX weeks, including after XXXX and XXXX on weekends. When they answered they asked if my name was XXXX XXXX. I politely said yes. The woman I spoke to did not give me her name. She said that I had medical and that she needed me to verify my address, birthday, and phone number before she would tell me anything else. I then told her that, I already confirmed my name and that since they kept harassing me daily, that I would like their company to cease and desist all contact by phone, and that they could send all communications by mail. That I would like an itemized bill with the original debt with my signature sent to the address they had on file. She said she would stop the phone and refused to send me proof of this said debt that I owe. She then hung up on me. So now, I have no idea what the debt is or how much it is. I just know she said it was a medical bill. She was very unprofessional and rude.
Product: Student loan

In XXXX of XXXX, I was made aware that Navient/Department of Education had placed missed payments on my account for the months of XXXX and XX/XX/XXXX although they should have been in deferment status. This notation was added on to the 11 accounts I have from this servicing provider making it 22 missed payments for the months in question. When I spoke to them in XXXX of XXXX the representative advised me that they would fixed the error, bring my status back to current and going forward my loans are in deferment status. 
XXXX of XXXX, I saw the drastic changes on my credit report and reached out to Navient about correcting the errors, and they denied my request claiming it wasnt an error in their behalf. However, if it were true that I had in fact missed a payment how come I was never contacted? They told me that they leave messages for me on their website in the inbox provided there. At that time I had no knowledge of the communication they attempted to have with me through their portal as I was never made aware of it. I ask that you all assist me in getting these missed payment notations deleted from the 11 accounts on my credit reports as it is defamation and false. It has also made me look like a terror in the eyes of lenders. I have always had 100 % payment history and now my credit is doomed because of this.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reported late payments and charge-off status for the XXXX XXXXXXXX account ( Account Number : XXXX ) listed on my EXPERIAN Consumer Report. The reporting includes multiple delinquency statuses, specifically : 30 days past due ( Metro 2 Code 1 ) 60 days past due ( Metro 2 Code 2 ) 90 days past due ( Metro 2 Code 3 ) 120 days past due ( Metro 2 Code 4 ) 150 days past due ( Metro 2 Code 5 ) Charge-off ( Metro 2 Code L ) Upon review, I have identified several discrepancies and non-compliance issues with the Metro 2 XXXX standards established by the XXXX XXXX XXXX XXXX XXXX XXXX ) and outlined in the Credit Reporting XXXX XXXX XXXX XXXX ). 

Identified Non-Compliance Issues Metro 2 Standards for Payment Rating ( Field 17b ) The progression of delinquency statuses from 30 to 150 days past due and ultimately to charge-off lacks supporting documentation and fails to comply with the accuracy and data integrity requirements of the Metro 2 format. 
There is no evidence that appropriate notices or billing statements were sent to me during this period to substantiate these delinquencies, as required by federal law. 
Incomplete or Erroneous Data Reporting The account balance of {$370.00} exceeds the credit limit of {$200.00}, reflecting an inflated credit utilization ratio of 100 %. This error further demonstrates a failure to maintain accurate reporting standards. 
The charge-off status ( Code L ) suggests an unresolved delinquency without sufficient documentation or verification from the data furnisher ( XXXX XXXX ). 
Failure to Comply with FCRA and CDIA Standards Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies are required to ensure maximum possible accuracy. The discrepancies in reporting, combined with the absence of proper documentation, indicate a breach of this obligation. 
The XXXX explicitly requires furnishers and credit reporting agencies to verify the accuracy of all data elements in accordance with Metro 2 standards.

Improper Notification Procedures I did not receive timely notifications of the alleged delinquencies or charge-off status, as required by federal laws and Metro 2 guidelines.

Request for Immediate Action Given the identified issues, I respectfully request the following : Immediate removal of all late payments ( 30, 60, 90, 120, and 150 days past due ) and the charge-off status associated with this account from my EXPERIAN CONSUMER REPORT.A full investigation into the reporting practices of XXXX XXXXXXXX, including verification of compliance with Metro 2 and XXXX standards. 
Written confirmation of the corrections or detailed substantiation, including all documentation supporting the reported delinquencies and charge-off status. 
Please consider this letter a formal dispute under the Fair Credit Reporting Act ( XXXX5 U.S.C. 1681i ). Failure to address and resolve these inaccuracies promptly will result in further actions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX TransUnion po box XXXX XXXX XXXX PA XXXX Subject : Metro 2 Compliance and FCRA Violations Dear Credit Reporting Agencies , I am writing to formally address concerns regarding the accuracy and compliance of my credit report as it pertains to the Metro 2 guidelines and the Fair Credit Reporting Act ( FCRA ).

I have identified several accounts that contain adverse information which I believe does not comply with the required standards. The highlighted accounts in my report were found to contain inaccuracies that violate the FCRA 's mandate for accurate reporting. 
Specifically, these accounts do not adhere to the Metro 2 compliance requirements that ensure the integrity and fairness of credit reporting. In light of these findings, I request that you conduct a thorough investigation into these accounts. If it is determined that they are indeed in violation of the FCRA and Metro 2 guidelines, I ask that you delete all adverse information associated with these accounts from my credit report promptly.

I appreciate your attention to this matter and look forward to your swift response. Please inform me of the outcomes of your investigation within the timeframes stipulated by the FCRA. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Debt collection

I cancelled my service with XXXX and paid by bill in full. They then switched names to XXXX, with whom I currently have service and have an impeccable payment record with. This bill continues to be sent to numerous collection agencies after I have already verified with XXXX that I do not owe them money and they have no record of the account number the collection agencies are giving me. The collection agency can not and will not verify the debt or provide any documentation that I owe this debt even after I told them that I verified it is not a valid debt and not mine.
Product: Debt collection

LVNV Funding LLC pushed someone's unpayed account to their debt collection servicer Resurgent Capital Services. LVNV Funding states they acquired an account from XXXX XXXX XXXX. The XXXX account owner 's name does not match mine. The alleged account owner lived in a state where I have never been in residence. I've never done business with and never had an account w/ XXXX XXXX THE DEBT IS NOT MINE. According to XXXX Resurgent Capital Services, LVNV Funding LLC, & XXXX, XXXX are total scam companies. So, no why would I contact a scammer. Went straight to CFPB, FTC, & BBB.
Product: Credit card or prepaid card

I logged into my Citibank online account on   XXXX     and made an online payment for {$150.00}. My payment was due on   XX/XX/2017 .  On   XXXX     I noticed that they never removed the money from my checking account, so I logged into my account and saw that their website did not process my payment. So I made the payment immediately. Citibank charged me a late fee of {$25.00} on  XX/XX/2017.  I have requested that they remove this fee since it was an error on their website and I have never had a late payment before. They have refused to remove the fee even though I did log in and make the payment on  XX/XX/2017   . It is not my fault their website did not process it.
Product: Debt collection

Nationwide Recovery is attempting to collect {$1200.00} from me regarding a workers compensation claim that occurred in 2012. They have reported this debt to all three credit bureaus and this is not correct. I incurred the medical expenses as a result of a work injury, the hospital refused my insurance information due to the nature of my accident. My employer at the time XXXX XXXX XXXX  XXXX XXXX  of XXXX, TX has since gone out of business without handling the medical bills in relation to my work injury while working with them. I have not received any notification of this bill prior to receiving a threatening phone call from Nationwide Recovery demanding payment. These expenses were incurred nearly 8 years ago and no attempts have been made this entire time to collect from me so I thought it was resolved by my employer as it should be. I dont have any documentation regarding this claim as I have never received any documentation from this company and I dont have hospital bills or records from 8 years ago. I am not liable for this debt, my old employer is responsible.