23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with Chase Credit Cards. On XX/XX/2020 I received a CC statement with a " New Balance '' of {$6200.00}. I paid this balance in full on XX/XX/2020, {$6200.00}. On the statement I did not owe Chase any additional funds. However, my account accrued prorated daily interest onXX/XX/XXXX-XX/XX/XXXX2020, in the amount of {$7.00}. I have paid off balances to other credit lenders in the past and never accrued additional interest between billing cycles if the account was paid in full, and therefore did not continue to monitor this account. I am signed up for paperless billing, and Chase did send me an email, which I later realized. However, as an XXXX XXXX XXXX during XXXX, I was working extra shifts at my XXXX, and due to the high stress nature of this pandemic, I was not checking personal email as frequently. This led to my account becoming 30 days past due and deliquent for an unpaid balance of {$7.00} in XXXX and was reported as such in XXXX as well. My credit score went from a XXXX to a XXXX. When I spoke to Chase in XXXX they reversed the charges as " interest charge reversal '' claiming they agreed it was unreasonable and told me to file a dispute with the credit bureaus. I did this. Because Chase is claiming there was no banking error they will not change the delinquency reporting. Because Chase will not change the delinquency reporting, the credit agencies will not change the delinquency on my account either even though now it says I owed {$0.00}. However, if chase reversed the charges of interest accrued to my account after the account was paid in full, then {$7.00} was never late because it was never owed. I have never been late or deliquent on any account with any company and my credit score has always reflected this.
Product: Credit card

Ally sent me an offer approving me for an XXXX XXXX XXXX XXXX for {$3000.00} or more. 

I have a fraud alert, and Ally called me to get info and asked for my full social security number on or around XX/XX/XXXXXXXX XXXX 

I declined to give my full social security number. 

I was given an alternate means to verify my identity via email. XXXX of my driver 's license and a copy of a current bill with my address on it. 

Ally already issued me a card, and my ID info is on file with them. My current card is paid on time monthly. 

I tried to email the website, which was malfunctioning on XX/XX/year> at XXXX. I called customer service, and a person with company ID XXXX responded to the item at around XXXX, and she didn't offer any meaningful help. 

I now have a letter that the card is declined even though I provided the property ifo two weeks ago.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is just a inquiry in trying to have delinquency hits removed from my credit history.
Product: Mortgage

I applied for a loan mod in XXXX of this year. I was not notified of any missing documentation. i assumed that the m\loan mod was going forward. I received ads from people wanting to buy my house as a foreclosure on XXXX XXXX. Called the servicer and my house is up for sale in XXXX XXXX. No notice of anything.
Product: Money transfer, virtual currency, or money service

XXXX  cancelled a wire that I made last XX/XX/XXXX. I opened a wire recall case with chase and XXXX respond with this " ATTENTION INVESTIGATIONS DEPARTMENT,. IN RESPONSE TO YOUR REQUEST REGARDING ORIGINAL PAYMENT DETAILS. THE RETURN IS BELONGS TO BELOW ORIGINAL PAYMENT. SENDER REFERENCE XXXX TRANSACTION REFERENCE XXXX AMOUNT XXXX VALUE DATE XXXX IN REFERENCE XXXX RELATED REFERENCE IBH OF XX/XX/XXXX. PLEASE NOTE THAT DUE TO YOUR LACK OF RESPONSE TO OUR PREVIOUS XXXX MESSAGES THE ABOVE REFERENCED PAYMENT HAS BEEN CANCELLED AND THE PAYMENT WILL BE CONSIDERED AS NULL AND VOID AND FUNDS WERE RETURNED TO YOURSELF UNDER OUR REFERENCE XXXX FOR AMOUNT XXXXAND WITH VALUE DATE XXXX PLEASE QUOTE OUR REFERENCE XXXX ON ALL FUTURE CORRESPONDENCE REGARDING THIS MATTER. REGARDS, XXXX GLOBAL INVESTIGATIONS OUR XXXX '' They keep sending the same message to chase and chase is not able to refund the money back to my account. Its been over a month and XXXX employees are not reading the messages properly and kept insisting the wire was null and void. XXXX should have been back to my account last year and this is all very stressful to deal with this bank. I also wasted at least XXXX hours calling and following up with chase and most of their employees are giving me different answers. 

Its either Chase is not doing their job properly with XXXX bank, or XXXX employees are not doing their job. It should have been an easy fix since the wire was void in the first place.
Product: Payday loan, title loan, or personal loan

I contacted Veros Credit on XX/XX/2020, to have my due date changed from the XXXX of every month to the XXXX of every month. The person I spoke to on XX/XX/XXXX was able to change it and confirmed with me that my payments will be due every month on the XXXX, and my next payment will be due on XX/XX/XXXX. Considering the current pandemic, I am out of work from XX/XX/XXXX to XX/XX/XXXX. I tried to contact them numerous times before XX/XX/XXXX so my account is still in good standing, to receive some type of loan relief and extend XXXX ' payment to XX/XX/XXXX, but I was unable to speak to anyone. Today, XX/XX/XXXX I recieved a statement in the mail stating that my account is 22 days past due and now accrued a late fee. I contact Veros same day as I recieved my statement to get an understanding and fix any confusion as well as the late fees and due date change. Veros said they are unable to help to change my due date to the XXXX because XXXX is past due. They then offered to take a partial payment now and the remainder when I start working. I told them I am unable to pay anything right now due to me being out of work. The supervisor then said that he will defer XXXX ' payment to XX/XX/XXXX and I'm going to have to deal with the late fees later down the road. I am  unable to pay anything until The middle of XXXX after I start working again, but they failed to understand that and help my situation accordingly.
Product: Debt collection

I am a former employee and witnessed daily violations while employed at FCC Finance and a lot of the consumer complaints are valid. Management was made aware of these violations on many occasions and either failed to address them or only address them when a complaint was filed. I witnessed FCC threaten to sue a customer for an old debt after the customer called in to settle his debt in good faith. While employed we were constantly told to call the customers several times a day and sometimes several times an hour. The goal was to wear the customer down into paying us. This is just a small sample of the FDCPA, SCRA and FCRA violations I witnessed while employed at FCC Finance.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After a comprehensive analysis of my credit report. There are FCRA VIOLATIONS from creditors XXXX XXXX on my consumer 's report. Although, Transunion has deleted the erroneous items and, Equifax has reported positive payment history. Experian continues to report these errors. XXXX XXXX is in clear violation of the following : FCRA 623 ( a ) ( 7 ) ( G ) ( i ) Negative Information from Financial Institutions If you are a financial institution ( as defined in the Gramm-Leach-Bliley Act ) that extends credit and regularly reports negative information about your customers to a nationwide CRA XXXX for example, Equifax, Experian, or TransUnion XXXX, you must notify your customers that you report such negative information. 
Examples of negative information include a customers delinquencies, late payments, insolvency, or any form of default. 

FCRA 15 U.S. Code 1681b ( 2 ) Notice to Consumer FCRA 15 U.S. Code 1681n - Civil Liability for Willful Non-Compliance FRCA 15 U.S. Code 1681b - Failure to Validation of Debt After I sent that complaint letter for XXXX on XX/XX/2021 to adjust the credit reporting XXXX XXXX then falsify more information by adding and removing positive payment history in addition to the negative furnishings Thus breaking more FCRA violations against me. Not only did they update my payment history incorrectly, they furnished new negative information on my account without informing me. Thus defaming my reputation and harassing me from my true creditworthiness. 

FCRA 15 U.S. Code 1681b ( 2 ) Notice to Consumer FCRA 15 U.S. Code 1692d Harassment or abuse FCRA 15 U.S. Code 1666b ( a ) Timing of Payments ; Informing consumer with statement mailed of coming payment
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have been placed on my credit report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these fraudulent accounts and inquiries be blocked and deleted from my credit report immediately.

Below is a list of the fraudulent accounts and inquiries that I am requesting to be blocked and deleted : Fraudulent Accounts XXXX. XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$690.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$650.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$1200.00} XXXX. XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$550.00} XXXX XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$510.00} Unauthorized Inquiries XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX
Product: Credit card or prepaid card

I have received in the mail an unsolicited debit card from Money Lion. It purports to be a mastercard debit card. I most certainly did not ask for this card and I have no business with this company now or ever. I have tried to contact Money Lion but the only way to contact them is to activate their dreaded card or provide them with personal information like SSN that I have no intention of giving someone who sent me a card like this. I suspect that this is related to some kind of fraudlent activity and I wish to find out how it happened without giving them my personal information.
Product: Mortgage

XXXX This is the follow up of the previous case above. 
I received a letter from Wells Fargo asking the same thing as I mentioned previously. I sent and attached for your review. Online they about bothering me by asking the same things I already provided " homeowners insurance contact
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple over draft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions.
Product: Mortgage

I am extremely disturb of the way my loan has being handle by Seterus. I was offer a trial payment for the amount of {$2000.00} for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. That is not acceptable because is higher than my regular mortgage payment. Therefore I am not able the make those trial payments. I was paying {$1100.00}. before I started to fall behind. I am in need of assistance for a better workout option. My home now has a sale date for XX/XX/2017. However Seterus never postponed my sale date even though I was approved for a trial. I am more than sure that Seterus is involve in fraudulent and deceptive practices in order for them to foreclose me. I have summited a complete modification packet since XX/XX/2017. Seterus was taking forever to cancel the current trial therefore my packet was not able to start the review. I am tired of the excuses I keep getting by Seterus a need a solution an a detail explanation of why my packet has not been review for a better workout.
Product: Vehicle loan or lease

XXXX XXXX XXXX from NMAC provided personal information about late not being on my credit report with out my permission which is violation of client confidentiality. I am currently in middle of investigation with attorney general office, FTC and XXXX. 
I never never authorize anyone to speak on my behalf which is going to have negative consequences on my lawsuit with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX has reported late payments and has not mailed or delivered a periodic statement to me 21 days before the due date. They have failed to send the proof for which I have asked. Experian, XXXX, and XXXX have reported these late payments without verification and without my consent. 

In addition, I, the consumer, never gave Experian, XXXX or XXXX written permission or consent to furnish my information or obtain my information.
Product: Credit card

XX/XX/XXXX and XX/XX/2024 I called American Express and requested that my credit card account be closed bc they would not allow me to change my password to my account until the new card they sent me had arrived even though my SS # had been exposed and I needed to change it asap. They did NOT inform me that I could only change my password with the card number and THEY are the ones that advised me to change password. Both times I called to cancel the card and was told it was done but neither time did they close my account! I called back XX/XX/2024 once I realized it was still opened and requested to speak to a manager or supervisor and they told me there were none. I called back and was told there was. I am currently on hold now trying to find out why my account was not closed. This is absolutely UNACCEPTABLE!!
Product: Checking or savings account

I opened a personal checking account thru their online process on XXXX XX/XX/2023 with an initial deposit of {$50.00} paid from my debit card. Two days later I couldn't login to online banking anymore. Upon reaching out to customer care I learnt that my account was frozen and I would have to go into a branch for identity verification. I explained that this wouldn't be possible as they don't have a branch in XXXXXXXX XXXX where I live and the nearest branch is a 2 hour drive away. After multiple calls and me trying to get the identity verification done virtually yielded no results, I asked that the account be closed and my initial deposit be returned. It's been almost three months and my {$50.00} deposit has not been returned. I have confirmation from XXXX  XXXX XXXX that it was paid, and even Truist customer service reps acknowledged that there is a {$50.00} balance on the account and they said i should receive a check at the mailing address i provided, but that still hasn't happened.
Product: Money transfer, virtual currency, or money service

I am requesting and investigation into a garnishment that I wasnt made aware of. My work environment was faced paced and delayed my ability to access digital paystub. We had mandatory direct deposit. This company started fraudulently has claimed that I have business with them. I am requesting proof be provided because I do not have any business with this organization.
Product: Credit card or prepaid card

I was charged twice by a company I purchased goods from. 1 of the charges was listed as " pending '' on the day I made the purchase XXXX. The other charge that was shown as " completed '' was dated XXXX. Both were from the same amount XXXX Both amounts were deducted from my card account. The company I purchased from told me they only charged and collected 1 time. The pending charged stayed on my ledger for nearly a month. I attempted to call the card company XXXX at XXXX. Could never get though to file a fraud claim or resolve the issue. No automated option would get me a person. All options eventually lead to me being disconnected. 
Now the pending charge is gone. But the 2nd XXXX amount has not been credited back. 
I called the Parent company of Way2Go / XXXX which is Conduent. At XXXX and the person that answered ( XXXX ) would not help. Asked XXXX for her supervisor. Was told she was in a meeting and couldn't be disturbed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct/repair the account listed below : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2012 I entered The Chase Bank at XXXX XXXX XXXX XXXX XXXX XXXX to open an account for my business XXXX XXXX XXXX and was denied for the Bank inability to verify my Social Security Number. The manager was dumbfounded. as to why the bank would not allow that to happen it was a block from higher level. It appeared to be fraudulent and baseless.
Product: Credit reporting or other personal consumer reports

HYUNDAI MOTOR FINANCE has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. XX/XX/2023 2023
Product: Credit card or prepaid card

XX/XX/2021 I received a bank alert from Bank of America that my new credit card had suspicious activity. I had not received this card in the mail yet so I was very concerned. I called and spoke with the fraud department and they said that my card had been used at XXXX XXXX for XXXX and then at XXXX for XXXX. I was told that after XXXX the card was used at XXXX but declined for suspicious activity. 
I explained that I had not received the card in the mail and was assured this would be taken care of. The card was cancelled and a new card sent out. 
A month later I see that the charges that had been removed from my card were back and received correspondence that I am financially responsible for the charges. They claim I used or allowed someone I knew to use the card. There was no basis for this decision other than the card was used and my name was signed. I explained again that I had never received the card. After receiving the new card I used it for a legal matter, which is the only reason I even opened this account. My history of credit use is not retail and grocery store. Further, I would not have even known that the card had been used had it not been from an alert from BOA. I also asked for the receipts with my signature to be sent to me, which I never received. I also pointed out to them that had I been shopping with my own credit card and it was denied at XXXX  I would call to see what the issue was. I have been a customer for almost 30 years with BOA and I am appalled at the lack of credibility. After reopening the claim, I got the same exact letter in the mail saying that I am responsible for the charges.
Product: Money transfer, virtual currency, or money service

I was sent a check to deposit and cash through my checking account at Wells Fargo Bank. The person I was cashing the check for stated that this woman made a purchase and owed him the money. But because he was out of the county he could not cash check. He said he had the owner of the check make it to me so I in turn could send the money to him. The check apparently was not sent by the owner of said account. This resulted in me being accused of fraud. At this time I am not allowed to open any checking accounts because of this. I got scammed. I even spoke to the owner of the check and told her what happened. She said she does not blame me. What action do I need to take to fix this problem?