23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I notified Chase on XX/XX/XXXX that I wanted to block all charges from XXXX XXXX and I disputed a charge for {$490.00} due to false advertising, failure to deliver according to the terms of an agreement, misrepresentation of services. 

Chase initiated the dispute and blocked XXXX from charging my account. On XX/XX/XXXX, XXXX charged my account {$500.00} and I disputed it with Chase. Chase informed me the credit card company would not intervene with any disputes with XXXX and validated all charges on my account including the {$500.00} charge. 

I notified the credit card company that I no longer agree to pay any charges to XXXX on XX/XX/XXXX and Chase still authorized and validated charges. The dispute customer service agent said that I should've changed my account number when I called in for the initial dispute because XXXX could change its address or name and rebill because the company has my card number. This was never advised during my initial call to dispute the {$490.00} charge. Chase sent me a copy of the XXXX agreement and stated it would not intervene with a service agreement which contradicts Chase 's financial services agreement with me. XXXX misrepresented itself and lied to me. I disputed the {$500.00} Further, Chase has communicated in an aggressive and unprofessional manner as if I am not its financial customer. It has stopped sending me statements, altered my online statements and email addresses ; has refused to send statements to me ( I was assessed a late fee but Chase never mailed me a statement ) because my attorney sent a demand letter. I paid everything but the XXXX charges which left a {$990.00} balance on my card. I do not use the card for anything but a monthly membership of {$24.00} and no my balance is over {$1500.00}. My online statements do not go beyond XX/XX/XXXX. I have paper statements in a file box which I will retrieve soon. 

Chase needs to handle the dispute fairly. I have proof that XXXX lied and misrepresented the terms of our agreement. I have emails and screenshots that Chase refuses to acknowledge. I feel like Chase is representing XXXX or they have a crony relationship that is being protected and served.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my most recent XXXX XXXX report dated XX/XX/XXXX, and on the report Equifax reported the following incorrect information to XXXX  XXXX  : : Credit card usage - 24 % Debit - {$29000.00} Credit limit - {$110000.00} The correct information is as follows : Credit card usage - 22 % Debit - {$29000.00} Credit limit - {$130000.00} Equifax under reported my credit limit by {$12000.00} and a 2 % increase in my debit usage which has a direct impact on my credit rating. 

I have now spent 3 days and over 4 hrs ( XX/XX/XXXX - XXXX ) on the phone with Equifax XXXX XX/XX/XXXX most recent ) trying to get this issue corrected. All I get from Equifax is that this is not their problem as they have now verified with me no less than 5 times that the amounts they have on record matche what I have on mine. So, in their opinion, it is a XXXX XXXX problem and they can not and will not help me with it. 

According to XXXX XXXX, the information they show on their report, is exactly what the credit bureaus report. Nothing more and nothing less.. 

Just to add to this complaint. It should be noted that all of the information XXXX sent was correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my information updated on my credit report. I have reached out to Experian. XXXX, & XXXX. They have not updated anything in over 90 days. I have even tried to resolve this through the furnisher with no help. I just want my information to be updated and they fix their reporting errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I found many inaccuracies. The following accounts are inaccurate, yet your company continues to report inaccurate information to my consumer report. Under the provisions of the FCRA I am demanding that your agency proves to me in writing the accuracy of the reporting of the inaccurate accounts listed below. 
By law you have 30 days to provide me with proof of accuracy or these inaccurate accounts must be removed from my report. I have sent this complaint through the CFPB so it is timestamped, and I have attached my license and proof address to this complaint, and the CFPB sends me copies of this complaint so I have proof if need be, so I expect a prompt response from your agency. In the event that your agency fails to respond with the proper documentation that I, the consumer, has requested within the 30 day period, as a consumer I will follow up with whatever action is necessary as you will be held legally responsible for noncompliance under the Fair Credit Reporting Act, 15 USC 1681n. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

I ran my credit report XXXX 2017 as I am attempting to purchase a home ... I saw XXXX XXXX XXXX on my credit report. I contacted Capital One, I attempted to have it removed, they claimed that it was valid so I contacted the collections agency, I advised the agency that I needed it removed and cleared from my report, they promised it would be removed once I paid so I paid it but it still remains on my report, the balance is now XXXX but Capital One still shows under the collection tab with a XXXX balance. I need this removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes and the company has still not removed this information. I received a letter from Experian dated XX/XX/2022 and XX/XX/2022 stating that they have verified this alleged Bankruptcy with XXXX XXXX. Meanwhile I received a letter from XXXX XXXX on XX/XX/2022 stating that this Alleged Bankruptcy has been removed due to incorrect information. Therefore it is impossible for Experian to have verified this Account with XXXX XXXX if XXXX XXXX has already removed it!! Experian is now in violation of several consumer laws! I did not receive a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) E ) states : The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Also 15 USC 1681s-2 ( A ) ( 1 ) states : 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. With that being said I have only given Experian written instructions to delete this account and all accounts associated with this alleged bankruptcy which includes a closed Municipal credit union account and Experian is refusing to do so.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below XXXX XXXX XXXX {$XXXX} XXXX  XXXX XXXX {$XXXX} These credit accounts are the results of identity theft and fraud.
Product: Mortgage

In XX/XX/XXXX, my wife and I took a mortgage with XXXX XXXX  XXXX  in the amount of {$80000.00}. The loan had a 15 year amortization schedule, maturing in XXXX XXXX. After XXXX was acquired, the loan was sold to XXXX and is currently being serviced by Select Portfolio Servicing , Inc ( beginning in XX/XX/XXXX ). Our original agreement with XXXX included the purchase of joint liability credit insurance and we paid those insurance premiums each month. In XX/XX/XXXX, I suffered a severe XXXX that caused me to be unable to work. When we requested insurance relief through this XXXX policy, we were told that we never purchased the insurance, despite the fact that we had payment statements that noted the portion of our monthly payment that went to the insurance premium. 

During my rehab, we requested payment assistance and we were provided with a forbearance for a number of payments over the course of that year. The total amount of deferred principal is {$2800.00} ( 4 payments ). We never signed an amendment to our loan nor any forbearance agreement. What we did not know, and were not informed of, is that getting relief on these payments resulted in {$11000.00} of deferred interest being added to the principal of our loan and for the last 8 years it has continued to accrue interest on top of that. Now, after 15 years of paying down this loan, we were informed by SPS that our outstanding balance was {$29000.00} almost 40 % of the original balance when we expected the balance to be nearly paid in full ( except the payments we requested relief on ). This payoff amount includes the {$11000.00} of deferred interest that was never disclosed to us in any form. Had it been disclosed, I would have been able to decide if we even wanted the deferred payments or if we would come up with the payments in some other way. We can not afford to pay off this amount and we are concerned that we are going to lose our home. 

I requested all of the documents that were part of our mortgage loan file from SPS and they were unable to provide me with any documentation regarding the deferred interest and had very little information regarding our loan at all ( they couldn't provide the original note agreement nor most of the file from before they acquired it ). They were also unable to provide any documentation regarding the joint liability credit insurance. 

I am XXXX years old and a XXXX XXXX veteran. SPS 's collection activity is deceptive and unfair and I think they are trying to take advantage of me because I am elderly. Despite the fact that SPS can not provide any documentation regarding this deferred interest and other fees that have been added to our account over the years, they have stated that they can't do anything about this outstanding amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX hired XXXX XXXX to run my credit bureau check. I have left several voice messages for a call back from XXXX XXXX and they have not returned not one call ( even after so many voice messages ). I called XXXX and was told that someone would call me back. All I want is my credit bureau report that my wife and I are requesting. 
This is their address : XXXX , XXXX, XXXX XXXX, XXXX XXXX, CA, XXXX. XXXX. 
My currenct credit score is in the 600 's, but thanks to them, the other credit bureaus deducted two points. XXXX not only denied me credit, but they help ruin it. 
I have never heard of these people and their practice and I know they are affiliated with ANALYTICS. The traitor company that I have heard so much in the media. Please investigate them and get back to me and let me know how I can help to bring down this credit scam that they are offering. Seriously, from 600+ to a XXXX. This is serious.
Product: Mortgage

Not only was my father wrongfully foreclosed on, he was a depressed XXXX veteran whom was grieving the loss of his son from MD at the time of forced foreclosure. In 2008 it was incorrect loan modifications that resulted in wrongful foreclosure due to XXXX XXXX greedy behavior. My parents had to abandon their home and moved to Florida. This ruined family ties as well as their XXXX XXXX, even added to my fathers anxiety and XXXX. A XXXX Veteran! Wells fargo says there was no error on " thier '' part. 
How was a veteran not protected? He had a va rider loan. This is absolutely absurd, my fathers family deserves compensation for XXXX XXXX wrong doing. 
He was also a victim of unauthorized products on his accounts as well.
Product: Debt collection

The XXXX bill in question was for an apartment I did not move into due to the unit being uninhabitable. I successfully broke the lease and returned all keys. I paid the XXXX bill on XX/XX/2021. There was a clerical error processing the payment, and it did not go through. XXXX attempted to notify me of this by mail at the address I never moved into and did not have a key for despite me telling XXXX my correct address on a recorded phone line. As soon as I found out the bill was unpaid and in collections, I paid it immediately. This is the only negative item on my credit report and I am in the processing of buying a house. I don't believe a clerical error should prevent me from succeeding in buying a house when my credit is otherwise perfect. Thank you.
Product: Vehicle loan or lease

On XXXX XXXX,2015. I logged onto WestLake Financial online to pay my truck payment. I agreed to have {$200.00} debited from my account. The next day on XX/XX/XXXX I checked my bank statement and noticed they cleared two charges of XXXX and paid them to Westlake financial. I called Westlake financial where they told me I had to prove my bank statement shows a cleared transaction for the double charge. This company took funds out of my bank account without my permission. My family is now left with {$10.00} ( family of XXXX with XXXX kids ) they are not contacting me back. This was my money my family needed and now it 's gone.
Product: Debt collection

I Had Identity Thief In XXXX By Criminals And In XXXX XXXX XXXX Took My SSN 4 Times Now Its a Dark Web. and opening accounts. 

And Never Receive Service. Been in A Dark Since XX/XX/XXXX I Contact XXXX And Fake XXXX Lied They Not Works For The Corp Office Fake I Have Him In The Feds Too XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX I Contact Him So Many Times And Never Answer The Phone??. I Want Justices Have Him Removed Fake Corp Office Stealing My Information.
Product: Credit reporting or other personal consumer reports

I am contacting you to dispute a hard inquiry on my credit report that I believe is inaccurate
Product: Checking or savings account

I opened a savings account on XX/XX/2019 with Chase Bank to earn a XXXX promotion bonus for a new savings account.  The only requirements were: 1) I had to deposit a total of XXXX or more in new money within 20 business days of account opening, and 2) I had to maintain at least a XXXX   balance for 90 days from the date of deposit.  Once these two requirements were met, Chase Bank would deposit XXXX  in my new account within 10 business days.I deposited XXXX into the new savings account onXX/XX/2019.  I transferred XXXX out of the account on XX/XX/2019, leaving XXXX in the account to avoid monthly service charges.  If you calculate the elapsed number of days fromXX/XX/2019 (NOTXX/XX/2019 when I made the deposit) to XX/XX/2019 (NOT the day I transferred the XXXX out of the account), you will find that I maintained a balance of XXXX in my Chase savings account for 90 days.  I called the customer support number to inquire about my missing XXXX bonus deposit and the call center rep stated that the system indicated I needed to keep the XXXX in the account one more day to earn the bonus.  She then stated that Chase Bank will not pay me the XXXX promotion bonus. Keep in mind that I am NOT including the day that I made the deposit (i.e. XX/XX/2019) in my 90 day calculation above, but it should be included, which would result in a period of 91 days that I maintained a balance ofXX/XX/XXXX in my Chase Bank savings account.I believe I have acted in good faith and met the requirements as set forth by Chase Bank.  If Chase Bank is calculating the 90 day period incorrectly for customers across the country, it could amount to a sizable sum not being paid to customers that are deserving of it.I have also filed this complaint with the OCC..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to handle this with AMEX several times. Please be advised that this is causing defamation of character and causing financial damages and hardships. I will constitute a failure to provide such a response within 7 business days as your acceptance that this debt is not valid. PLEASE VERIFY, VALIDATE, AND DOCUMENT with the proper documentation that I am LEGALLY OBLIGATED to pay this alleged debt. A simple response or answer of being VERIFIED does not make up a legal or lawful response. I DEMAND THAT YOU REMOVE ALL THE FOLLOWING ACCOUNTS IMMEDIATELY. 

XXXX. AMEX # XXXX XXXX. AMEX # XXXX XXXX. AMEX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time, I have initiated a civil suit against Trans Union , LLC for improper and accurately reporting on my consumer report. Not only that, but has in XXXX on my privacy rights as a consumer, by constitution, and pursue it to state and federal state law. Trans Union continues to personalize and give an accurate investigations due to their personalize criteria. If XXXX and fdcpa distinctively protects the rights of consumers in the privacy of their information. Enclosed, you will find the summons and attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint letter against Citibank N.A. and this is my 2nd complaint against them and the reason is same. 
I want to refer about last complaint I made with the help of CFPB for the same reason is following ... 

Complaint ID # XXXX Date XX/XX/XXXX They responded ( I enclosed ) after the complaint I made but the same formalities I had to maintain. I called to XXXX ( XXXX ) and spoke with XXXX XXXX and settled down for 24 installments ( from XX/XX/XXXX to XX/XX/XXXX ). Settled down Autopayment from my access account to Credit card account but it didn't go thru. 


# 1 What I mentioned in my previous complaint they didn't fix it yet. 
# 2 I can not operate Simplicity Cr. Card even I can not see my account balance from my Citibank apps. They locked it since XX/XX/XXXX. ( I enclosed picture ) # 3 I can not transfer or deposit any amount from my Citibank Access account since XX/XX/XXXX. But I had full of intention to pay at least minimum monthly due ( I enclosed picture ) Citibank made the agreement with me so that every month 's installment can be transferred from Citi Access Account to Citi Simplicity Credit card ( Autopayment system ). And both time you did same mistake and what is impacted on my credit history.
Product: Debt collection

I received a call at work from a company named Reliant Capital Solutions claiming to represent the Ohio Attorney General and asking me to verify my name and social security number for a past-due amount from the OH Att'y Gen. When I asked for verification they refused to state the nature of their business but supplied me with a number to a pre-recorded line claiming to be the Attorney General 's office, and  stated a full social security number over the phone that was inaccurate/false. The entire exchange reeked of fraudulence and should be investigated ; if indeed evidence of fraud is found, Reliant Capital Solutions should be prosecuted to the full extent of the law. 
The last 4 of the social security number are those provided by the company to me, NOT my social security number.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( XXXX  ) XXXX XXXX XXXX Iowa XXXX, IA XXXX Subject : Formal Complaint and Dispute of Charged-Off Account Account Number : XXXX XXXX Dear Consumer Financial Protection Bureau XXXX XXXX am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX charged-off account ( Account Number : XXXX XXXX ) that has been inaccurately reported on my credit report. Despite the account being charged off, I never received a XXXX form from the creditor, which is required by the IRS for XXXX debts over {$600.00}. This failure to comply with IRS regulations, along with the inaccurate reporting of the account, has caused significant harm to my credit profile and financial standing. 

Details of the Complaint : XXXX. *Failure to Issue XXXX : The creditor charged off the account but did not provide me with a XXXX form, as required by IRS regulations. This omission suggests that the debt was not properly canceled or reported to the IRS. 
XXXX. XXXX XXXX XXXX : The account remains on my credit report as a charged-off account, which is negatively impacting my XXXX XXXX and ability to obtain credit. 
XXXX. *Lack of Communication* : I have made multiple attempts to resolve this issue directly with the creditor, but they have failed to provide a satisfactory resolution or the required documentation. 

Requested Resolution : XXXX. *Removal of the Account* : I request that the charged-off account be removed from my credit report due to the creditor 's failure to comply with IRS regulations and provide XXXX XXXX form. 

I trust that the CFPB will take appropriate action to address this matter and protect my rights as a consumer Sincerely, XXXX XXXX
Product: Bank account or service

On XXXX/XXXX/XXXX, we deposit a check in my account for {$2800.00} after calling the bank it originated from and verifying it 's legitimacy. On the day we deposited the check, our bank locations system happened to be down so we called to get an update on the status of the check. The Bank of America rep told us they would release {$100.00} on XXXX/XXXX/2016 and the rest once the check has cleared. The entire check cleared the next morning so we called back and the rep told us it takes 3-5 days to clear and the bank could still pull the funds until then. We called back a few times and were told the same thing by different reps for the first week. The following week, a female rep informed us that it actually takes 10 days to clear and the funds could be pulled back until that time. The last rep we talked to told us that the funds had been cleared by both banks and that there was no way either bank would come back after that period of time stating the check was n't cleared. We waited until XXXX/XXXX/2016 to use any money from the check. On XXXX/XXXX/2016, I checked my bank account and it showed they were pulling the funds back out of my account and my account was now negative almost {$3000.00} from the check being pulled back and our cell phone bill still processing. The only thing it showed on my online banking account was debit/hold for {$2800.00} on XXXX/XXXX/2016. I called customer service and spoke with a man who said he did n't have any explanation on his side as well and put me on hold to get his supervisor. Neither could tell me what was going on and stated that the only thing they could do is submit the charge-back for review as high priority but I would still need to find another way to be repaid ( wire transfer, money order, etc ) for the funds that were pulled back out of my account. I do n't understand how anyone can pull funds that were verified by both banks and cleared over two months ago. We verified the check with the original bank and called Bank of America almost everyday to verify the check had cleared before we touched any funds from it. No one has an explanation and I 've been getting the run around from Bank of America since we deposited the check back in XXXX.