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

On XX/XX/2021. I the consumer. Under 15 usc 1602 ( i ), original creditor and natural person in fact, blood and flesh man of given name XXXX XXXX XXXX. Come before XXXX In good faith to the cfpb. Whom Is Allowed and appointed by congress Pursuant to 15 usc 1691 ( c ) - Administrative enforcement ( a ) ( 9 ) to address this issue.. I the consumer was denied extention of my credit. Based on the allegations of records found in my documentary material attached in this compliant. The alleged found is, a violation pursuant to 15 us 1691. Congress has not set out forth these decisions as LAWFUL reasons for non discrimination or refusal of my extension of credit under 15 usc 1691 ( b ) ( c ). Also, as this adverse action has not been deemed satisfactory under 15 usc 1691 ( d ) ( 5 ). As I have not exceeded 150 applications within a one year calender. Also, on the facts given, it is also a violation under 15 usc 1691 ( e ) ( 1 ) as stated company failed to furinsh me with the copy at no additional cost of any and all written appraisals and valuations developed in connection with my application but, in no case later than 3 days prior to my denial decision. Stated company is also in violation of failure to notify me during the application of my rights to recieve a copy of each appraisal under 15 udc 1691 ( e ) ( 5 ).
Product: Debt collection

I owed a veterinary  balance on my XXXX account I couldn't pay in full on time. It was sold to MCM. After making multiple small one-time payments, I agreed to allow monthly payments from my bank account until paid in full. I paid down to XXXX, but a balance of {$130.00} still remained! Not only was my account not paid, but I added up all my payments to them and they OVERCHARGED ME {$81.00}! I immediately sent an email asking why the agreed upon amount did NOT settle my debt and to return the {$81.00} they took from me. I got a letter stating an investigation was initiated. FOUR MONTHS LATER I GOT A LETTER FROM DIVISION MANAGER, XXXX XXXX -- the account has been closed and I have no further obligation. That is great -- but where is my overpayment return??? I sent a letter to their customer support services in XXXX, MI and got no reply! Please help me demand they give my money back! I am XXXX with very limited income and I need every cent of {$81.00} they overcharged me and decided it is acceptable to keep! They deserve a much more severe punishment for their greediness!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : Every time I dispute something they lower my score, while the others raise it. They have incorrectly disputed items and companies I did not select ; and they're the only one of the three. They dont take my card holder status on a XXXX Barclays account into the utilization ratios, and theyre dinging me for old bad debt that was charged off and sold to unscrupulous collection agencies that were found at fault and removed quite some time ago from all three reporting agencies. Their reporting patterns are arbitrary and inconsistent. They are clearly blacklisting me ... theyre the only company I can not contact easily and say this or that doesnt add up, and if correct, have it adjusted. 

And XXXX ... theyre application system dropped my application twice, they admitted, dinged me with hard inquiries, denied me credit, and then refused to remove the erroneous inquiries due to the i system failures. 

Barclays, I called them and their collection department several times, and could NEVER get a call back, when I did reach a person, they would it accept money from me to settle the account ; they passed me off to another department that sent me back to the original department I came from, and then was rendered back into automated XXXX, left yet another message for the account manager, which never gets returned. But yet, they suddenly updated my report for 20 some odd months of Charge Off status when there wasnt any updates over those months and then plummeted my score again. 

What is wrong with these people? It takes a certain type to ruin people ; to be in a role to make everyone as whole as possible, yet behave in ways that are contrary to the espoused theories. 

Im beyond frustrated with XXXX, XXXX, and Barclays. I have absolutely NO recourse other than to suffer, or spend all my time, far more than the countless hours I already have, to keep calling, using online forms and writing, in hopes of finally reaching a bright and intelligent individual capable of reading and applying logic, able to feel and reach within the human aspects of the self, and ALSO has a modicum of clout. Good. Luck.
Product: Vehicle loan or lease

Paid total amount on lease paperwork on XXXX ( {$21000.00} ). They claimed I had to pay sales tax, but refused to give me an accounting. I went to DMV to get the sales tax amount, and paid it on XXXX ( {$1200.00} ) They STILL have not sent me the title to my car. I have tried to communicate with them, and finally, today, disputed the {$21000.00} amount I gave them. They have deleted the account, so I can no longer submit questions.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We were originally going with Cross Country Mortgage to refinance our home. We found a better deal through another lender so we went with another company. That deal fell through so we came back to Cross Country Mortgage to finish the original refinance we had started. We were to the point of needing to get an appraisal. We had paid a month earlier already for the appraisal and had never gotten a refund and they still had our money. We were not happy with the fact we couldn't get our money back on the appraisal but we're willing to overlook that fact and continue to use them. We had them reopen the loan and move forward with the appraisal. We never did hear back from anyone on the appraisal and kept having to call to find out why and just kept getting a run around and no return phone calls. The first time we were using the lender they were XXXX on the spot and constantly kept in contact with us multiple times a day. This time nothing but birds. Every day we were having to call the lender to try to find out what the delay was. After a while we finally gave up and told the lender to just cancel and we would find another lender since it was obvious to us that we were now dealing with someone that did NOT want to work with us. Assuming they were offended that we had originally decided to use another lender and their treatment of us was payback and they didn't really want to work with us anymore to do the refinance. The lender and I got into a long texting argument over the whole issue and not once did he ever apologize for his lack of responding to us or his lack of resolving whatever the issue was with us not being contacted by an appraiser. He told me to just deal with his boss but would NOT give me his bosses name or number to be able to contact him to discuss his conduct. We were dealing with XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Vehicle loan or lease

I have ask for deferment due to pandemic. I have no source of income. I can't qualify for unemployment due to both XXXX XXXX   during the base period that they are providing for PUA, and I'm not receiving a stimulus yet. I had to amend taxes to qualify, due to this scenarios. I asked for deferment till restaurants open up. they comment was denied and offering a payment plan. Yet I have no income to commit to a payment plan. I have a job on hold. I'm wanting them to understanding wouldn't of bought car knowing I was being shut down. I need them to offer the consumer deferments under these circumstances and it being a Federal Actions of our state preventing me from meeting my obligations. I never would of done this financial if I had know this. I don't want a repo on my record and I have already paid over 1k in money towards this. Ill be out a job ability to buy another car with repo and out money rendered. 
Bridgecrest/XXXX  the lender Acct # XXXX
Product: Credit reporting or other personal consumer reports

XXXX is playing games they lied I paid this off on XX/XX/XXXX per collection agency theyre telling me its gon na take 90 days for my credit report to update this information is an accurate. Please delete this from my credit report. I deleted this I want this removed from my credit report. This is in accurate information. This is illegal. they lied to me they told me that it would be deleted when I paid and reversed and they recorded my conversation and when I called back, they told me this its not coming off and it was gon na take 90 days for them to update my credit report. This was paid for deletion.
Product: Checking or savings account

XXXXChase closed my account, the checking account have balance of XXXX, and saving account have balance of XXXX. The document indicate that its a Fraud and scams can happen to anyone, Protect your self and older loved ones by learning the warming signs and other helpful tips. Chase bank had kept my money for 6 months now.
Product: Debt collection

Received alert stating a derogatory account was placed on my XXXX file on XXXX XXXX 2016. The debt was to XXXX XXXX XXXX in which I do not, nor have I ever, had an account with. All my internet and cable services are provided by XXXX XXXX or XXXX. At no was any information received via email, mail or otherwise showing that this is an account I own. I tried calling the ERC but there was no answer and after waiting over 10 minutes to speak to an agent the call was terminated due to non-response.
Product: Credit reporting

Trans Union is showing the following inquiries on my credit report that I did not authorize and they had no permission to pull my credit. I called Trans Union and they are unwilling to do anything for me. I would like these inquiries removed as they did not have my permission. 

XX/XX/XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX, RI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
Product: Checking or savings account

A JP Morgan Chase check for {$110000.00} payable to me, XXXX XXXX was lost in the mail and fraudulently cashed on XX/XX/XXXX. 
In response to a CFPB complaint, after 15 days, on XX/XX/XXXX, JP Morgan Chase responded as follows : We are sorry for the inconvenience this matter has caused you. To initiate the process to get your funds, the maker of the check, XXXX XXXX and XXXX XXXX XXXX, must file a claim for the unauthorized check deposit with our Claims Department. 
Although the maker XXXX has initiated the process and it has been about 40 days since the check was cashed Chase Claims Department has not responded to the claim. 
This is my retirement check. As a XXXX  XXXX  retiree it will help to have the funds as soon as possible.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX OF TX XXXX
Product: Checking or savings account

I have a credit card with XXXX XXXX. I made an online payment of XXXX dolars on XXXX, for some reason XXXX ran this payment from an old account with Santander Bank I havent had in years and keep a small balance. the payment ran causing my account to over draw and incuring a fee of XXXX dolars to be charged. THEN to compound the issue Santander rejects the payment and for some reason XXXX kept re running the ACH every day up until I caught it today XXXX. No one from XXXX or Santander once contacted me just kept playing this game of rejecting and rerunning the ACH and causing my account to be now XXXX and the payment to XXXX never being processed. So to recap payment to XXXX was never made and I was charged 4 separate over draw fees for one transaction. I have contact both parties to resolve this and got zero help. Had XXXX or Santander simply mailed me a letter, emailed me, called me or even texted me about this issue it would of been resolved 2 weeks ago. But there is no profit of excessive over draft fees for 1 transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are unknown to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$32000.00} ; XXXX XXXXXXXX XXXX Balance : {$2200.00} ; XXXX XXXXXXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Bank account or service

I had opened a Discover Savings account using a promotion. I fulfilled all the terms and conditions mentioned in the promotion code including entering the promotion code also. Just to be on the safer side I got a cross confirmation from Discover that i will get the promotional bonus also-i had the email conversation via secure message center. Later when i am expecting that i will get the promotional bonus - i come to know that Discover is asking me whether i had entered promotional bonus or not? May be they are having second thoughts now. And most interesting - why they are deleting the messages like this? I can see that on the website they have mentioned that " all messages are going to be deleted after 30 days '' ... why??? In this age of Bigdata and analytics ( where storage is so cheap ) and moreover for legal reasons - financial institution should not do something like that - why DFS is not following it?
Product: Debt collection

I disputed an incorrect {$1400.00} charge on my account balance with XXXX. After a thorough review, XXXX resolved the dispute in my favor, and my credit file now reflects a {$0.00} balance as of XX/XX/year>. 
Despite this resolution, Macy 's has continued to send incorrect billing statements on XX/XX/year>, falsely claiming balances of {$500.00} and {$600.00}, and referencing a fabricated reimbursement of {$1300.00}. Additionally, Macys has threatened to report these inaccurate balances to credit bureaus, despite knowing that the dispute was resolved in my favor. These actions have caused undue stress and may jeopardize my credit standing through false reporting. 

I have repeatedly contacted Macy 's customer service to clarify the issue, but they have failed to acknowledge the resolution or cease their harassment. These ongoing actions are deeply concerning and may constitute violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

I am requesting that Macy 's : Cease all communications regarding the resolved balance. 
Provide a written acknowledgment confirming my {$0.00} balance and account closure. 
Ensure no incorrect information is reported to credit bureaus. 
I can attach the supporting documentation, including the resolution confirmation from XXXX, for review, if you want me to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Experian to verify the company received physical documentation I filed for bankruptcy and have a bankruptcy case from the state of New Jersey. Experian has not provided this documentation from the state of NJ requesting for Experian to report this information on my credit report. Instead, Experian responded by explaining they are currently reporting hearsay, per report number XXXX dated XX/XX/2022. 

Instead, Experian continues to be in direct violate the law consumer 's right to privacy, per 15 US Code 1681A 4.
Product: Credit reporting or other personal consumer reports

this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE SEE ATTACHMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent a letter off on XX/XX/2022. Here are my tracking numbers # XXXX # XXXX # XXXX To remove personal information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy, also according to 15 USC 6802. No XXXX XXXX is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights.
Product: Debt collection

For the past year I have received XXXX 's of call from Portfolio Recovery. They were told not to call but have intensified their calls to me lately. I want to sue for damages.
Product: Credit reporting or other personal consumer reports

In researching Capital One 's notifications of late payments, I have made numerous complaints regarding Cap One charging of late payments, thus producing late fees for customers to pay. I've sent a previous billing error letter to no avail. I am attaching another one with the qualifying information of proof of my being late. If they can not answer all of my questions, to prove I was indeed late including grace periods and all, then these payments they've recorded late must be revised to " OK status ''. I am a good paying customer and have a long good standing payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request 3 BUREAUS the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXX ; XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ;
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2024 I contacted Prog ( XXXX XXXX ) via their email support as well as a letter to their address, revoking their authorization to debit my bank account via ACH. They responded to my email multiple times, refusing to remove my payment information from their system.
Product: Checking or savings account

On XX/XX/2020, a hold was placed on my account and I was unable to access my Chime Bank checking account which contained the majority of my money at the time, nearly 80 %. 

I promptly responded to ask if there is anything I can do to expedite the process. 

On XX/XX/2020, I was asked to provide the following : Provide an explanation and documentation verifying that you are the intended recipient of the pay-friends transfers from : XXXX XXXX Transfer from XXXX XXXX XXXX XXXX XXXX Transfer from XXXX XXXX XXXX. 

I responded saying that I do not know either of those two individuals. They might have sent me money and then reported the transaction as unauthorized. 

Similar to a public SWIFT address, I know that people figured out my Chime Pay Friends Transfer ID and have been sending me money and charging it back or something similar. 

A few weeks later ... 

The response from Chime Bank was Your account has been closed in accordance with the Deposit Account Agreement, section ( I ) ( C ) ( 9 ). 

I read through the entire Deposit Account Agreement and no such line or article even exists. 

I pointed out that this line doesnt exist in the Chime Deposit Agreement and all I received was an automated message back from the company. 

Said company may also be pocketing commissions from referrals I have been bringing them. I dont know where those are going now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account # XXXX I have asked the credit grantor for verification that this is my account and have been unable to receive it. I did not apply for this account. I need it removed from my credit report.
Product: Debt collection

Midland Credit Management is a collection agency that has illegally kept reporting on my XXXX and XXXX XXXX reports. I have disputed this alleged debt with multiple written requests only to be ignored or threatened by representatives when I pick up to attempt to resolve the issue. My last attempt was in XXXX XXXX  and they simply update their fraudulent activity.
Product: Credit reporting or other personal consumer reports

I was out of the country almost 3 years. I just returned back receive a email a couple months ago but did not realize what was going on until XX/XX/year> when I started to read what the email I got from XXXX XXXX XXXX  on XX/XX/year> stated some of my information gotten out so I started to investigate what was going on and see, 5 accounts was open in my name an i see 34 hard inquiries in my name an I start to contact the credit bureaus to dispute. fraudulent item XXXX XXXX was not helpful to resolve. This matter XXXX and XXXX is investigated in it. I do not know what going to be the outcomes of it my next option is to file a civil lawsuit against these three credit bureaus because they are responsible to protect my identity. I put a freeze on my account and alert any inquiries that come in they must contact me none of these company never contacted me and XXXX XXXX XXXX, and XXXX, help these fraudulent people to create an account they must be hold accountable for their actions