23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX/XXXX/XXXX I had used my Chase Visa Rewards Card to stay at the XXXX. I had also used my XXXX Card for the second week. To my surprise during the second week when I was sleeping I felt something crawl across my arm and I quickly jumped up and screamed, my daughter turned on the lights and it was a bedbug crawling on the bed. We caught the bedbug and took it in a jar we found to the front desk. They said they would move the room and have the manager call us ASAP. After moving all of our stuff in clear bags of course to the elevator and XXXX floors up with no help I contacted the customer service dept at Chase Visa and the XXXX XXXX .Well the staff at that time sounded sympathetic about the problem and told me that they would be following up with this in the next couple of days. The c/s at the XXXX XXXX removed the charges and gave me credit for my bill, However the Chase card services gave me such a hard time even after knowing that we had to throw away our belongings and repurchase the things that had been infested and appeared to have bedbug eggs. We were at the hotel because we had just moved from our home and the new place we were moving to had been delayed due to a fire that had happened. It was obvious we were homeless. There was absolutely no c/s support after the report was made we had got the building inspector and health dept and the hotel had been previously cited for bugs and they cited the place again. 

The Chase card services did not reverse the charges and I had to pay the full amount. This included finance charges from XX/XX/XXXX until XX/XX/XXXX. So now on XX/XX/XXXX I receive the attached letter and I called the phone number they wrote on the letter to speak to the c/s because I understood that the amount in dispute was resolved as they have stated in the letter. I called on XX/XX/XXXX at XXXX. I spoke to a Chase card specialist named XXXX who told me that the XXXX cent credit that I see on the account is what I was entitled to. He also said that there were a lot of other people that had this refund coming to them. I told him that I was charged a lot more than XXXX cents finance and I asked him what do they mean by saying the dispute was resolved I paid it in full, he did not answer me but continued to talk over me rudely blabbing on and on. I felt it was necessary to terminate the call due to the fact that he was completely giving me the run around. I felt at that time to contact your agency for help.
Product: Debt collection

A couple years ago I was a victim of identity theft and someone opened up accounts in my name and I noticed the accounts on my credit report and disputed the accounts and they were removed. Recently I noticed that 2 of the accounts that were removed in the past has been resubmitted back on my credit report. The accounts are from Receivables Performance Management for the amount of {$1200.00} and XXXX XXXX XXXX {$800.00} both are collection agencies. I have reached out to the credit bureau and have request validation of debt from the companies but and I'm still awaiting for a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past year as of XX/XX/2022, I have notified XXXX that 2 bankruptcies that XXXX continues to report as accurate and verified is still being reported on my report. Fact is since XXXX of XXXX  XXXX of which XXXX has admitted to using information from them to report this has exonerated me, XXXX XXXX XXXX from this claim that XXXX persists to be accurate and verified. Turns out that XXXX has caused me undue duress, loss of work, loss of opportunities, loss credit, loss of income, loss of reputation due to XXXXXXXX XXXX  unconscionable and illegal business practices of which they XXXX  DOES NOT HAVE A CONTRACT WITH ME TO REPORT SUCH ILLEGAL, UNTRUE, DAMAGING NONSENSE.
Product: Money transfer, virtual currency, or money service

From XXXX I was hacked on my cash app had over XXXX stolen I tried to contact customer service no response no help what's so ever and again happened to me in XXXX lost XXXX same thing no help from them I lost those cash app accounts and had no help when I was hacked cash app needs to do better to protect people
Product: Checking or savings account

Ally Bank blocked my access to my account login. I tried the Ally invest number ( XXXX XXXX ) on XX/XX/XXXX, they said my account is still open and running but online access is blocked at the main bank. So they gave me a number for their loss prevention department ( XXXX ). The first time I called the operator said they would call me back when they figure something out, that was in XXXX. Today XX/XX/XXXX I called again and they said the same thing, that someone would call me back after reviewing the account. It seems obvious they are unwilling to help resolve this problem.
Product: Checking or savings account

I am writing to formally escalate the ongoing issue with the release of funeral funds for the mother of XXXX XXXX. This situation has been handled with repeated negligence, miscommunication, and delays by XXXX, directly impacting my business, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the grieving XXXX family. 

Most egregiously, on Thursday, XX/XX/XXXX, a XXXX XXXX contacted me and stated that the reason XXXX was requesting documents was to verify that XXXX XXXX was not deceased. This explanation makes absolutely no sense. XXXX has been seeking check verification for months, yet now claims the only concern was confirming that XXXX XXXX is alive? This contradicts XXXX  own actionsChase representatives have spoken directly with XXXX XXXX, and XXXX has also verified the check with the issuing insurance company while XXXX XXXX was on the line. Furthermore, a XXXX representative falsely claimed that she had explained this reasoning in a prior phone call, which is simply untrue. If XXXX reviews the recorded call, it will confirm that she did not state this. 

What was actually said in our previous conversation was that XXXX needed documents to verify that XXXX XXXX was overseeing his mothers estate. However, XXXX has always understood that XXXX XXXX is the beneficiary of his mothers life insurance policy, and as such, estate executorship is irrelevant. You do not need to be the executor of an estate to be a life insurance beneficiary. The continued misrepresentation of facts and ever-changing requirements are not only unethical but are causing unnecessary distress in an already painful situation. 

Additionally, XXXX  latest responseoffering to return the check to the insurance companyis both insulting and unacceptable. We have been requesting this since XX/XX/XXXX, and Chase refused at that time. Now, after XXXX months of delays and while XXXX XXXX remains have been held in my care, XXXX suddenly presents this as a solution? This is a complete failure of accountability, urgency, and respect. 

Critical Issues That Require XXXX XXXX : XXXX. Repeated XXXX of XXXX Processes Chase initially required physical document submission at a branch. I complied, yet XXXX misplaced the documents. 

After weeks of back-and-forth, I was instructed to email the documents to Chase XXXX, which XXXX XXXX. 

Now, Chase has again changed the process, stating that only phone verification is required. 

XXXX. Inconsistent and Contradictory Explanations Chase falsely claimed that the only concern was proving XXXX XXXX was not deceased. 

Chase had already spoken with XXXX XXXX directly and verified the check with the issuing insurance company. 

Previous explanations centered around verifying XXXX XXXX as estate executor, which is irrelevant to his status as a life insurance beneficiary. 

XXXX. Severe Business and Humanitarian Impact The XXXX family has been unable to lay their loved one to rest due to XXXX  ongoing delays. 

My funeral homes reputation is suffering as a result of XXXX mismanagement. 

This is not just a financial issueit is a human tragedy that Chase continues to prolong.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I applied for an auto loan with Fifth Third Bank. I told the agent all the information about the van specially it's a salvage title. And then they still pulled my credit report and denied the loan because it's a salvage title. So that effected bad on my credit report. I tried to talk to the agent whom did the loan and they said they can not do anything about that. So my question still is " is it right to pulled my credit report when they known that will be denied ''?
Product: Mortgage

I filed for Chapter XXXX in XX/XX/XXXX and have been discharged in XX/XX/XXXX. I was receiving statements from XXXX XXXX XXXX ever since my loan was reinstated. Recently, on XX/XX/XXXX, my loan was transferred to SLS. I reached out to SLS to inquire about my mortgage statements. SLS insisted I am in active Bankruptcy and because of this, I will never receive any statements. In the meantime, I am blocked from seeing any information online as well. I wanted to make sure my payments were appropriately sent and received by SLS on a timely basis, especially because I never received any payment coupons since the transfer ; and to ensure I am sending the correct amounts due since I also have an escrow account which is analyzed annually. I have reached out to SLS but due to my active bankruptcy status on their records, Customer Service would not entertain my call. I have been transferred to several departments, on hold for 30 minutes at a minimum, only to be told I was connected to the wrong department. Customer Service would n't talk to me and would transfer me to the Bankruptcy Dept. Bankrptcy Dept says I was transferred to the wrong Dept because I am not in active Bankruptcy and would transfer me back to Customer Serivce who in turn would say I was transferred to the wrong Dept and would transfer me back again to the Bankruptcy Dept. I spent 2 hours today being transferred only to end up being told the offices are now closed. 
I just want my latest statement or a payoff demand. Your assistance is greatly appreciated.
Product: Debt or credit management

I submitted a dispute with Experian multiple times and they keep saying my dispute is denied although I submitted the same dispute with XXXX and XXXX and they deleted the credit file almost two years ago.

Experian keeps claiming the account is mine although the company that they bought the debt from fraudulently charged me for a service that I never used and decided to charge me {$1500.00} for cancellation during the grace period.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$150.00} XXXX  XXXX Balance : {$330.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Mortgage

Re-dispute to Case #  XXXX   Dated   XXXX / XXXX / XXXX  This is getting ridiculous. Please review my previous dispute and incomplete response.   A. Lost Paymen t - Surprise, a fter 67 days, they found it, only after receiving CFPB complaint, even though I had told them many, many times. Just listen to taped conversations! They tried to call me back once , HA.  They knew the issues after all of my calls, why did n't they just fix it!!!!!!!! I could n't get  XXXX  took talk to me when I was calling. Do n't do this to people.   B. Incorrect  XXXX  ( although i incorrectly said  XXXX  ) - Still incorrect, consumer harm getting worse if I have to extend my  XXXX  tax return.    C. Poor  Customer Service - which continues, No one will help me!!!     Yes, I am delayed in redisputing as I did not know there had been a written response to CFPB, I guess I though Shellpoint might be kind enough to send me a letter too. I had noticed they had found my payment ( SURPRISE, took CFPB to get involved ).     I contacted Shellpoint last week asking for consumer complaint department. First day, I was told they close at  XXXX , ok, I am  3 hours  earlier. Next day, called again, " oh, we do n't have a consumer complaint department ''. Found the response letter on CFPB website, contacted and left  VM messages FOUR ti mes this week, no response. If she is on vacation, someone else should pick up the call and return. I told her I did not want to re-dispute to CFPB as I know that is a very bad thing for Shellpoint. I was willing to resolve with her, now have to escalate, again.     Closed as an isolated incident. Seriously, multiple things wrong. Good cover though. I feel for most people, who do n't understand this process. Oh, and CFPB does n't have many complaints about you as you have know way for people to easily know to complain to CFPB unless they go to a lawyer. And, you do n't have a complaint department. My complaints in  XXXX  and  XXXX  certainly did not get escalated through your normal channels.     Fix your policies, procedures, training and customer service and give me a revised  XXXX . I need to file my tax returns. I 'm not letting this go. If I have to file an amended return because of your incompetence, you will pay for it.     CFPB, I am happy to help you with this company, I 'm an ex-regulator of mortgage industry, most of my current co-workers are ex-CFPB. Happy to share my knowledge.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Credit Reporting by XXXX, XXXX, and TransUnion Account # [ XXXX ] Dear CFPB, I am filing a formal complaint regarding inaccurate and misleading information being reported on my credit file by XXXX, XXXX, and TransUnion for the account listed as XXXX XXXX XXXX with account number [ XXXX ]. 

The following issues exist with the reporting of this account : XXXX. Charge-Off Status : The account has been reported as charged off ; however, I have not received any formal notification, including a Form 1099-C, verifying that the debt has been charged off in compliance with IRS regulations.

2. Purchased by Another Lender : The account is marked as purchased by another lender on certain reports. I never authorized or consented to the sale of my alleged debt to a third party. 
XXXX. Inconsistent Reporting : The details reported by the credit bureaus are inconsistent, including the dates of last activity, the reporting date, and comments about the account status. These inconsistencies violate the Fair Credit Reporting Act ( FCRA ), which mandates accurate and verifiable information. 

I have attempted to resolve these inaccuracies directly with the credit bureaus, but no action has been taken to verify or correct this information. I believe these actions harm my creditworthiness and may constitute unfair and deceptive practices.

I request the CFPB to investigate this matter and ensure compliance with applicable consumer protection laws. I also request that any unverifiable or inaccurate information be promptly removed from my credit report. 

Enclosed are copies of my credit reports with the disputed account highlighted, along with any additional supporting documentation. 

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

This was a dispute with XXXX XXXX. I went to have a XXXX  put in and provided all my insurance information and they did a full review and provided me with my portion of the procedure, which I paid immediately. The entire procedure took about 45 days. After everything was complete, they stated I owed {$670.00}. I told then they had every opportunity to make the unverified amount prior to the procedure being started, after they contacted my insurance and determined what was going to be covered. 
They have tried to make this collection with at least 5 other companies, all of which denied to move forward with the collection attempt based on my feedback to them. 
The current collection agent, Wakefield & Associates made no attempt to contact me prior to adding the collection account to my credit report. If they would have done their due diligence, they would know this collection attempt is not a valid one
Product: Credit reporting or other personal consumer reports

This is my official communication regarding the unauthorized and completely inaccurate entries on my credit report. These items were added without my consent, knowledge, or authorization, which is unacceptable. Under the Fair Credit Reporting Act ( FCRA ) Section 605B ( a ), I am entitled to have these items removed within four business days, along with a list of disputed items. I demand the immediate and permanent removal of the following erroneous entries from my report, as they are completely unjustified : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have an active account with XXXX. I have been with them for XXXX years. Recently, I cancelled my phone services because they charged me huge amount on long distance call when I did notify me of a promotion extension. I called them and them told me I owe {$270.00}. I made payment arrangements with them. 

About XXXX weeks ago, I got a call from credit control corporation about the same debt. I informed them that they were not valid debt and XXXX had advise me to make the payments with them directly. Another representative called me on the XXXX and I told her the same and she said that 's okay, she will go ahead and update the account accordingly. 

On XXXX/XXXX/2015, I got an alert in the evening that it has been reported on my account by Credit control Corporation after I made payment to cox in the Morning. Attached is a proof of my receipt from XXXX for the payment. 

First, of all, I disputed this charge with credit control corporation XXXX on the phone and requested that they send me something in writing. Informed them that XXXX has told me to make the payment with XXXX directly and did not even know why they had my file. Yet they still went ahead and placed this on my credit dropping my score from XXXX to XXXX. I am in the middle of buying a house and I am not sure on how this will impact my final closure or rate. 

I called them after their illegal action. They told me I need to pay a collection fee of {$45.00} and extra {$7.00} processing fee, even though they did not collect anything and I made the payment of XXXX to XXXX. XXXX told me they have requested the account to be transferred to them direct. As a proof, I went ahead to pay them the collection fee as evidence of their bad practices. 

I called XXXX and asked them why did they tell me they have no knowledge of my account being sent to the collection agency when I contact them to let them know about the initial attempt and they also advised me to ignore the collection agency and make payments with them and failed to communicate this with the Agency. 

This has affected my credit and I need them to be held responsible for this! 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( M ) XXXX ( O ) XXXX ( F ) XXXX XXXX XXXX, XXXX Ext. XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  WAS REPORTING ON ALL BUREAUS, BUT WAS DELETED FROM XXXX, EQUIFAX IN ERROR.
Product: Debt collection

I requested proof of accuracy with Jefferson Capital Systems. The original creditor is no longer a company and I am requiring them to send me the original agreement documents.
Product: Student loan

In XX/XX/XXXX this company contact me as a service provider for federal repayment loans. They presented themselves as an agency that works for/with the government to initiate a payment plan for student debt. A month later I received a notification that my extension for payment ( s ) was being revised. I called the company and requested the immediate cancelation for their services. That phone call went to three different phone specialist to try to convince me to stay. The last specialist appeared to be their last chance to convince me otherwise but I was very clear that if I wanted an extension I would ( XXXX ) file myself and I sure as XXXX would not be paying {$200.00} a month, every month. That is just ridiculous. Services were canceled XX/XX/XXXX and I did give them two payments of {$200.00} a month. Money was not reimbursed. I was contact XX/XX/XXXX by the FTC to warn me of this company. XX/XX/XXXX, Ameritech also contact me via mail to be contact.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Attn. Customer Care XXXX XXXX XXXX XXXX, TX XXXX Cc : Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, I am a victim of identity theft. I filed a fraud alert with you back in XX/XX/year> because someone had stolen my identity. Unlike the other credit bureaus, I was forced to open an online membership with you to file the fraud alert and security freeze. Now someone has gotten access to your membership site and logged in to change information under my profile name. I have emailed and called and gotten nowhere. The email was returned to me stating, this email is being dis-commissioned. I have been on the phone all morning attempting to get someone to speak with to get help with this issue. Instead, I have been forced to keep getting the automated system. It is not right that you force people to open an Experian online account and then offer no assistance when someone hacks that account. Now this person is committing fraud under my name once again and nothing is being done. 
I am requesting to close my Experian online membership account immediately since you offer XXXX protection when someone has hacked into my account. Now they have even more access to my information. It is account take over fraud, which your bureau has now allowed to happen. I want all of my information cleared from your database. I am considering legal action against your company, which has virtually XXXX customer service. I have read about many other people facing the same issues with your company. It is a disgrace. Both other credit bureaus are very helpful and actually provide customers with assistance over the phone, which should be a common practice. Unfortunately, your customer service is by far the worst. 
I am also requesting an extended fraud alert be added to my account. I am including a copy of the Police Report. 

Please call me immediately to discuss this matter. 

Sincerely, XXXX XXXX XXXX