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

On XX/XX/19 I used XXXX to make a purchase and was scammed for {$500.00}. XXXX is the preferred quick pay method from my bank, Chase. This is supposed to be a supported and trusted app/partner to Chase, and I was under the assumption Chase and/or XXXX would provide protection similar to XXXX in order to have me use their app instead of XXXX - advertising this was a safe transaction. Within an hour of the transaction I called Chase to stop the transaction and they refused to stop it, even though the transaction is still in Pending status to report it, or provide any recourse to me. They would not stop or cover the amount of the transaction or even contact the scammers bank, XXXX XXXX to attempt to recoup funds. I called XXXX as well, they would not stop the transaction or reverse it, they said they would call XXXX XXXX to attempt to block the scammer from accessing the funds - however Chase and XXXX both refused to work with XXXX XXXX to attempt to get my money back. This is just a classic example of banks taking consumers money, but doing nothing to protect the consumer or their funds. Chase handled this awfully and I advise anyone who banks with Chase to stay far away from XXXX or Chases Quick Pay option. I refuse to recommend Chase or their services moving forward and intend to further pursue this issue by filing local and national XXXX complaints as well.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and identity theft. I request that the following fraudulent accounts and inquiries be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : ACCOUNTS : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} DP OF EDUC Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} DP OF EDUC Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$590.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$780.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00} US DEPT ED Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Dates Opened : Various Balance : {$00.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX
Product: Credit card or prepaid card

I had a credit card for my business. I closed the credit card account in XX/XX/2023 and Chase Bank is still allowing charges to go through on a closed credit card. I just received a statement with new charges from XX/XX/2023. I have contacted them about this and they tell me the account is showing as closed. 

I had a personal credit card through Chase that I closed in XX/XX/2023. They still allowed charges to go through after I canceled the card and I had a bill and late fees come to me in XX/XX/2023 for purchases made in XX/XX/2023 on a closed card.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an inquiry from XXXX XXXX XXXX on my report. It was made in error so the fraud dept agreed to submit a request to the bureaus to have it removed. They submitted it but the inquiry remains on my reports
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I was taken aback by the numerous errors in reporting that I encountered. It was truly unbelievable to witness such inaccuracies. 

I urge you to investigate and examine the following accounts : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. 

It is imperative that you rectify these inaccuracies promptly. Otherwise, I fear that my applications for various services may be denied due to these discrepancies. I have already faced rejections from two sources. 

Please do not disregard my plea for assistance. I urgently require your intervention to ensure that the aforementioned accounts are accurately reported as being in good standing.
Product: Student loan

During a time of financial hardship I fell behind and was unable to make student loan payments. During this time I received several threatening phone calls from a company servicing my federal student loans called XXXX investment corp . Representatives at the company were demanding that I pay the entire lump sum of the loan amount. During several harassing phone calls representatives threatened to send my loan to a law office that will garnish my wages unless I made a payment of {$50000.00} over the phone. I was unsure who this company was and they were unable to confirm details of the accounts. Income based payment options were not made available. Excessive fees and high interest have also been added to my loan balance.
Product: Mortgage

I am a HUD XXXX XXXX working on behalf of the borrowers. They contacted me because the primary borrower has had a XXXX and has XXXX  and can not communicate and they are behind on their payments. His wife has been trying to reach out to the lender, US Bank, about their HELOC that they are behind on due to her husband 's medical condition. While she is on the mortgage and the title, she apparently is not on the note so US Bank won't talk to her. I have sent in our authorization, signed by primary and his wife, to US Bank but they will not acknowledge the receipt of it. So, essentially we can not communicate with the lender in any way and this couple faces foreclosure at the end of the month. They may be able to reinstate or apply for a workout option, but without being able to communicate about the loan, there is no solution. I have faxed in the authorization to the known fax number for loss mitigation, 3 times, beginning on XX/XX/XXXX, again on XX/XX/XXXX to another number I was given, and again on XX/XX/XXXX and XX/XX/XXXX to the main fax. I have also emailed it to the contact given to me by US Bank, XXXX, on XX/XX/XXXX and 2 more times on XX/XX/XXXX. All times the faxes and emails show successful receipt by US Bank. Today on the phone with them, the first rep told me the system was down and now the second one gave me another email to try and send it to. Last week, they sent me to 3 different departments and gave me a different email to send the release to, and the week before that they gave me 2 different fax numbers to use. I have faxed, emailed and called every number given, and they still say there is no auth on file. This elderly couple will lose their home all because US Bank can not properly upload and utilize a release of information from a HUD Certified Agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX {$7700.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$6300.00} XX/XX/XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$7700.00} XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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: Mortgage

I RECEIVED A DEMAND LETTER ON/ABOUT XX/XX/year>XXXX, TO WHICH I MADE A PAYMENT ; I CHECKED BACK TO VERIFY ANY CHANGES THRU XXXX & XXXX, BUT ALL WAS OK, AS I PLANNED ON MAKING XXXX OR XXXX PAYMENTS BEFORE XXXX I CHECKED SPS WEBSITE TODAY XXXX XX/XX/year>, TO FIND XXXX DOCUMENTS MAILED, ON REQUESTING EARLY INTERVENTION XX/XX/year> FOLLOWED ANOTHER XX/XX/year>, REFERING TO FORCELOUSE. 

THERE WAS BUT XXXX BETWEEN THE LETTERS, AND NOTE I HAVENT ACTUALLY RECEIVED EITHER? 

I CONTACTED SPS TO BE TOLD OF ONLY 2 ALTERNATIVES : REPAY OR REINSTATE AND EACH IS PENDING APPROVAL AND I CAN NOT MAKE ANY PAYMENTS!
Product: Debt collection

They continuously call me and my husband disclosing only the name of their business XXXX  and stating it is regarding a personal business matter. They do not indcate it is to collect a debt or that they are a debt collector per my rights according to the FDCPA. They call hang up. They call leave no messages. They are calling on a voluntary repo that is a charge off. The account has already been charged off and so they are trying to collect more money from me. I have told them not to contact me numerous times. The vehicle was sold. I owe them nothing. 
I am trying to get away from the bank I had the vehicle with for their immoral collection practices and now I am being harassed by this XXXX company. I am dealing with a medical hardship and do not need the added stress of this company calling me and refusing to state what they want and the nature of their business other than its a personal.business matter. Per rules and regulations they have to disclose who they are and the specific reason for their call and I requested they not call me therefore they have to abide by that.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX garnished my paychecks in the amount of {$1800.00} starting on XX/XX/2022. The garnishment stopped on XX/XX/2022. I've contacted the company several times about this issue and they told me it would be removed from my credit once it was paid off and pay an additional {$94.00} court fee plus a processing fee of {$4.00}, which was paid on XX/XX/2022. I've asked for confirmation via email and they told me that I would receive confirmation after 30 days. After that 30 days, I didn't receive any confirmation nor was it removed from my credit report. I've contacted Experian on three different occasions to file several disputes on this issue. However, they were all denied, I've tried to submit proof of payment and kept denying me access to upload them. I even mailed the required documents to Experian as well and received the same response. I've even called them stating that I've paid the debt in full and the representative that I've spoken with told me it was denied because of the different account numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting XX/XX/2020 I received a 30 day late payment & in XXXX a 60 day late payment on my credit report from XXXX XXXX XXXX in regard to a CD account I had with them. 

I spoke to a rep named XXXX who let me know that my primary card payment failed in XXXX, the computer tried my secondary payment method which went thru successfully but they had turned auto-pay off. Which then resulted in the 30 & 60 day late payment on my report. 

I spoke to the dispute department @ XXXX XXXX to see what I can do to remove the late payment reporting, in an email they responded there was nothing they can do about it because they're job to report accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress  you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are showing a derogatory item on my credit reports that was removed from my credit report in XXXX. XXXX XXXXXXXX XXXX is now adding this item as a new debt in XXXX. This is a violation of the Fair Credit Reporting Act. 

I am demanding with this account be removed and receipt of punitive damages, as this is hurting my credit score and causing me time to re-dispute items that have already been removed from my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

GoodLeap, formerly Loanpal is a finance technology company that provides financing options to customers of other companies, especially to solar energy installers ; https : //goodleap.com.

GoodLeap will not provide me with statements or information concerning my account. This is possibly a deliberate, system wide, policy to confuse GoodLeap customers and prevent consumers from paying off their loans on time. 

Failure to pay off the loan balance within the promotional period will trigger a 15.49 % interest charge for an entire year. Therefore it is greatly in GoodLeaps interest to have confused consumers miss their promotional deadline. 

In XX/XX/XXXX my HVAC contractor installed two new HVAC units and convinced me to use GoodLeap to finance the {$24000.00} plus bill. GoodLeap created my account as follows : Account Number XXXX deferred interest rate 15.49 % Maturity Date : XXXX/XXXX/XXXX  Promotional Period End Date XX/XX/XXXXXXXX  First Payment Date : XX/XX/XXXX Inder the terms of my GoodLeap loan no payments were required for one year and no interest was charged if full payment was made by the Maturity Date. If the loan was not paid off in full by the Maturity Date, the customer is charged 15.49 % on the entire loan amount for the entire previously year. 

Obviously GoodLeap enjoys no benefit if the loan is paid off by the Maturity Date. Obviously GoodLeap enjoys considerable benefit if the loan is not paid off by the Maturity Date. Therefore it is in GoodLeaps interest to confused consumers by not providing timely account information. 

On numerous occasion I logged into the GoodLeap webpage to see my loan balance and payment history. Most recently I did this on XX/XX/XXXX. When my loan information was unavailable I telephone GoodLeap. The GoodLeap steered me to the webpage where monthly statements are available. I pointed out these statements do not show the original loan amount, the principal paid to date, and the remaining principal. The GoodLeap agent said my monthly statements showed {$0.00} amounts because I had not made a payment.

The GoodLeap agent said the GoodLeap webpage did not have a place where I could access my original loan amount, the principal paid to date, and the remaining principal. In my opinion, this basic information should be easy to access and readily available to consumers ; it is not.
Product: Credit reporting or other personal consumer reports

violated my federally protected consumer, rights to privacy and confidentiality under 15 USC 1681- The accounts below have violated my rights. 15 U, S.C 1681 section 602A. States ( have the right to privacy. 15 U.S.C 1881 Section 604 A Section 2 : It also states a consumer reporting agency, can not furnish, a account without my written instructions. P15 U.S. 1681g. ( 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Delete the accounts below : XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on m credit does not be long to me.
Product: Credit reporting or other personal consumer reports

I was granted debt relief from the Biden_Harris administration effective XX/XX/22 and the 3 major credit bureaus have yet to update my information on my credit reports, which is continuing to cause me and my family an extended financial hardship.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding my submissions. XXXX consistently responds by stating that the accounts in question are accurate, yet they fail to provide evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. 

Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( B ), as highlighted in the Consumer Financial Protection Bureau 's ( CFPB ) recent administrative proceeding ( File No. XXXX ) against XXXX for similar violations XXXX 

I respectfully request that the CFPB take appropriate action against XXXX to ensure they comply with federal law and provide consumers with the necessary proof of a proper investigation.
Product: Credit card or prepaid card

Twice I have tried to dispute a recurring annual charge submitted by XXXX, an internet data backup service ( of no value to us, because we have adequate backup through XXXX ). I deny - and my wife denies - that we have entered into any agreement with the merchant company, which, my wife believes, got our credit card number when my wife briefly explored the backup service on a trial basis in XXXX or XXXX. We are both lawyers and understand that some companies try to get consumers to agree to paying recurring charges by giving their service away on a free trial basis that becomes a full subscription if not cancelled in writing. We are not among those consumers. 

We did not agree to pay XXXX recurring fees. Please examine the documentation that the merchant provided to evidence our agreement. Note that the box labelled " I agree to the terms of the terms of the XXXX service '' The box is not checked. 

That XXXX sent yearly emails can not serve as a substitute for our agreement, which was never given. This is particularly the case when XXXX  emails, like those of other merchants with whom we do not have a relationship, email us. The emails are automatically routed away from our attention. 

American Express has failed in its Reg Z duties to investigate my disputes ( twice ). Perhaps the best example of this failure is that last night I took over 30 minutes reviewing the attached merchant documentation and explaining to a customer service representative ( American Express would not allow me to continue my original dispute electronically ) the inquiry background and why this documentation did not evidence an agreement. Nevertheless, within hours, American Express had denied my second dispute with no explanation other than to provide the same documentation I had already discussed at length a few hours previously with the Amex CSR. 

I reserve all our rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Sunday XX/XX/2022 at XXXX XXXX  I tried to get into a trans union credit report. Ive had my identity stolen and Im unable to get into this credit report. Im extremely worried because I just started my own business and they asked me for all my information and then hung up. I called 3 times and they gave me different information each time. I dont think they are the real trans union company . I cant access this account and I didnt even create it. So somebody else has access to my account. Please help this has been a nightmare. The number that I called is XXXX they also wanted me to send an email to XXXX its a scam and now that have all my info.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter regarding a late payment on XX/XX/2020. I then followed up with another letter XX/XX/2020 because I didn't recieve a response. To my knowledge, the company has 30 to 45 days to respond to my dispute. They are in clear violation of the fair credit reporting act. I understand that we are in difficult times but this account has to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's a charge-off loan account from XXXX XXXX appearing on my credit report. I've never had an installment loan account with XXXX XXXX. Therefore, this account has to be a product of identity theft.
Product: Mortgage

PHH Mortgage Services Address : XXXX XXXX XXXX, XXXX. XXXX NJ XXXX XXXX is/was the servicer of my conventional mortgage on my personal residence located at XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( Loan # XXXX ). 

Mortgage serviced by PHH was paid off on XX/XX/XXXX 20 days ( excluding holidays, Saturdays and Sundays ) expired on XX/XX/XXXX While Ive been told a check was issued on XX/XX/XXXX, it is now XX/XX/XXXX ( 36 days, 25 days excluding holidays, Saturday 's and Sunday 's ) and I still have not received a refund of my {$2900.00} escrow  balance Ive asked multiple times ( via calls in XXXX and XXXX ) to be provided a copy of the check, a check number, the payee, the address that the check was mailed to etc. without receiving a response Ive also asked that a stop be placed on the " supposedly '' issued check and asked that these funds either be overnighted to me, ACHd to me or wire transferred to me without receiving a response I believe PHH Mortgage Services to be in violation of Part 1024 Real Estate Settlement Procedures Act ( Regulation X ) Subpart C Section 1024.34 ( b ) ( 1 ) which stipulates that within 20 days ( excluding legal public holidays, Saturdays and Sundays ) of a borrowers payment of a mortgage loan in full, a servicer shall return to the borrower any amounts remaining in an escrow account that is within the servicers control I believe PHH Mortgage Services to be purposely engaging in delaying disbursement of MY escrow funds to enhance their profitability.
Product: Credit reporting

I had an unauthorized inquiry on my Equifax file on XX/XX/2016 from XXXX. I filed a dispute online with XXXX and even filed two disputes with Equifax. I even called Equifax and one time the gentleman mentioned it would drop off within 24 hours. Well its been months and I finally received a company letter from XXXX on XX/XX/2016. They apologized and stated on the letter it would drop off my file which it HAS NOT and its been over 6wks. I sent that letter over to Equifax in my last dispute and they refused to remove it stating that it needed to come from XXXX. What more proof do they need and I have NEVER requested any services from XXXX and their letter states that with an apology. I do n't care what Equifax needs in terms of " their procedure ''. Fact of the matter is, it was unauthorized and I have an actual company letter to confirm that. The last girl from Equifax made it seem its ok to have this inquiry and that it falls off after two years. Well I know the rules of inquires but that is only acceptable when they are AUTHORIZED by me. This was not and everyone from Equifax on the phone was not helpful at all. They were all over the place and figures when one said it would drop off my file within a day and the last person I talked to said my XXXX letter does nothing to help them remove it.