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

I have a chase marriott rewards credit card. On XX/XX/XXXX XXXX charged {$320.00}. I reached out to XXXX because they were not supposed to automatically take payment for my XXXX account, and because the total chraged was for my account as well as my mothers XXXX account. On XX/XX/XXXX my mother and I called XXXX where they sent a confirmation that they were going to refund my {$320.00} and then we proceeded to pay for the 2 seperate accounts at a different rate on a different credit card. The XXXX confirmation number is XXXX and the representitve who helped us was XXXX. Since the refund never went through I reached out to chase to dispute this charge. Chase asked that I send over documentation proof. So on XX/XX/XXXX I requesed with XXXX at Chase the  dispute paperwork. On XX/XX/XXXX after waiting over a week for the paperwork to be emailed I sent via email and fax a copy of my dispute as well as a copy of my fathers bank statement and the XXXX confirmation nubmer and name for my refund. XX/XX/XXXX I learned after playing phone tag for a week that they denied my claim becuase I blacked out my fathers account number for his protection. After an hour long phone call around XXXX  with XXXX XXXX a dispute supervisor at chase he siad if I re-submitt my proof with at least the last 4 digits of myy faters account showing that within 24 hours I would have a responce. On XX/XX/XXXX at XXXX I resubmitted my proof. This apparently was a lie, because on XX/XX/XXXX at XXXX I called chase again to get some kind of an update. I first spoke to XXXX who clearly stopped listening to me halfway though my conversation and then told me I couldn't be connected back to XXXX and instead sent me to a supervisor named XXXX at XXXX who told me that the 24 hour time frame was not possible. That she would look into my XX/XX/XXXX call and get back to me. I then asked her if there was any update or what my status was and she had no answer just told me to wait 30 days. I never heard from XXXX again. So I waited the 30 days and on XX/XX/XXXX at XXXX I called chase for an update. I was transfered from XXXX to eventually a new supervisor in disputes named XXXX who told me on XX/XX/XXXX my dispute was denied because I did not send over proof. He saw my attempt on XX/XX/XXXX but there was an apparent error in uploanding my attachments, but nobody from Chase thought to call or email me telling me of this problem. They also never thought to call or email me after my claim was again denied. So XXXX told me to try and re-submit again my proof but this time fax it. So on XX/XX/XXXX I will be sending a fax, another email and a certified letter with all of my proof. I have also been in contact with an attorney to see what options I have. I keep sending over proof and Chase keeps denying my claim saying they do not have proof. I do not know what else to do to prove this is a legitmate dispute, and the {$320.00} is a lot of money for me and I don't believe I should be responsible to pay this total. I now feel as though Chase is stealing from me and I do not want them to attack my excelent credit score because of their neglagence.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I had a pre-approved letter from XXXX XXXX XXXX for a autoloan. XXXX did not honor this request initially and I had to escalate to corporate before it was resolved. XXXX claimed they were not a pre-approved dealer by XXXX XXXX XXXX when they were. As a result I had multiple inquiries from unknown sources on my credit report that I did not authorize. Wish to have this inquiry removed.
Product: Checking or savings account

On XX/XX/XXXX PNC closed my account without notification for a stop payment that was made on an account I was power of attorney on and the stop payment was not in any way fraud and this was also from XX/XX/XXXX and on the day they decided to close my account without any notification I was receiving a very important deposit for {$1400.00} which as of today XX/XX/XXXX the payment is still saying paid to the account that is closed, PNC as stated the payment was rejected but the funds are still showing paid.
Product: Checking or savings account

I received a text from a " wells fargo '' number stating that there were charges on my bank account asking if i made these transactions. I was asked to respond N for no Y for yes if i authorized these transactions. I sent N, for no. 5 minutes later i got a call from a " wells fargo '' number from a " representative stating they were from wellsfargo to help take back the unauthorized transactions. While on the phone, i had my account open and saw {$3500.00} being taken out of my account through XXXX, the " representative '' asked if i just sent a XXXX to XXXX. No i did not. at that time i was asked to get XXXX on the phone to send back the {$3500.00} that was XXXX to his account. Thinking we were speaking to a wellsfargo rep, XXXX XXXX the XXXX back however. The {$3500.00} did not come to my account at that time we realized we were being scammed and the XXXX went to the scammers. I immediately contacted wellsfargo fraud number to report what had happened. Wells fargo fraud rep in fact confirmed that there was no record of what had happened and we were indeed scammed. I reported the issue to get our XXXX dollars reimbursed, went to the wellsfargo branch the next day to also report the fraudulent unauthorized transaction that was made to XXXX through XXXX. Wells fargo then had us change our bank account all together, and we were reimbursed the XXXX XXXX weeks later, however was not told they were taking the money back from XXXX 's account to our account. This was also an unauthorized transaction on wellsfargo because XXXX never got our XXXX to begin with, the scammers had XXXX send them the XXXX not us. so at that time XXXX was not out any money and the XXXX should not have been taken from his account to our account. At this time we are still out XXXX due to the unauthorized fraudulent actions that occurred. this was a fraudulent action on our account through XXXX that wells fargo should report investigate and refund our money.
Product: Debt collection

A " letter from XXXX named me as a merchant but I have never been nor have accepted payment to me by credit card as a XXXX ( retired XX/XX/XXXX ). They sent the letter to my legal residence rather than what our Town 's US Post Office requires us to use. Their Security Dept. I told me in early XX/XX/XXXX that the account " had never been opened '' because " it did n't look right '' & that no transactions occurred, but they sent a Statement or the XXXX reporting {$4400.00} in transactions ( including {$98.00} fees ) alleging deposit of {$4300.00} to my bank ( which my bank never received ), despite the phone assurance, then sent a XXXX form ( contradicting their phone statement & continued to send " Statements '' ( using the corrected address I had provided ) until XXXX XXXX in XXXX XXXX Office contacted them. They called to assure me that they knew that the account was fraudulent but refused to provide evidence of how it was opened or where alleged bank deposits were sent. Despite this assurance, I just received a collection notice from Transworld Systems Inc. for {$4700.00} ( for " XXXX '' ) which I immediately disputed with XXXX XXXX by phone. XXXX XXXX offers self-opposing facts, untruthful information & no useful service.
Product: Checking or savings account

I received a phone call yesterday ( XX/XX/2024 ) from the Chase XXXX office, XXXX XXXX XXXX, informing me that my Chase relationship, including personal and business relationships, has ended due to what he called potential excessive and illicit transactions. 

XXXX XXXX said the decision was final, no explanation was necessary, and there was no means of appealing. XXXX XXXX mentioned that the bank could do this because I signed a clause in the legal agreement upon opening my account with Chase. 

I then called my Chase Bank branch. I have multiple accounts there and know the staff there by first name. They called XXXX XXXX and confirmed that the action was legitimate. 

The bank then informed me that there was nothing I could do, and they suggested that I go to a competitor bank and set up an account. 

I find this excessive, unreasonable, and a complete disruption of my life. My financial life is so wrapped up in your bank that it will take me days to find suitable alternatives. 

I have not engaged in any illicit activities. However, my wife accidentally sent {$10.00} to the wrong phone number via XXXX. Could this be the reason? 

I also dont know what permanent damage this will cause to my financial reputation in the future. XXXX XXXX also didnt mention how my credit cards are managed. My wife and I have five different Chase credit cards, all managed through our checking accounts.
Product: Student loan

I applied for a loan back in the year of XX/XX/XXXX. I didn't receive the loan until XX/XX/XXXX. It was confusing about the loan getting to my account. My federal staff loan was XXXX and I didn't receive anything but only XXXX XXXX dollars. The school kept the rest to pay off the degree. I have a developed a business plan to pay back the school debt for borrowing the loan. Now I can't borrow anything. What can I do here?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019, XXXX XXXX REFUSES to report to all 3 credit bureaus ( Experian, XXXX  and XXXX ) that my installment car loan # XXXX, is paid and pays as agreed. 
Not closed- false information. XXXX XXXX NOT reporting accurately FCRA.
Product: Checking or savings account

XXXX update to the original complaint. Both my XXXX money orders have cleared. WF received all the copies and receipts I send from these checks. Somebody in the WF office has decided my account is closed and the MOrders were FRAUD!!! Dont know what genius they employ who decided this ... .BUT MY MONEY ( XXXX ) is being held, HOSTAGE. DARN THEM.!!! I got this letter today that they need until XX/XX/2023 TO DECIDE MY FATE.???? I dealt with somebody named XXXX XXXX who does not take my calls. Always " I will get back to you in 48 hours ' Never does!!! Liars!!!. XXXX XXXX ext XXXX. This connects to the mtg dept which is also weird!!! I enclosed the letter they sent. This is totally ridiculous that I am out XXXX + due to an XXXX employee plus XXXX XXXX, who has done NOTHING ... I WANT MY FUNDS..
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : According to my records, the payment in question was made on time. I have attached bank statements that confirm the payment was processed before the due date. 
Natural Disaster Impact : The account was affected by a natural disaster during the period in question, which should have been taken into consideration. Creditors are required under certain circumstances to provide hardship relief due to natural disasters, and this has not been reflected correctly in my credit report. 
Inconsistent Reporting : The account is reported differently across various credit bureaus. The inconsistencies between XXXX, XXXX, and Equifax in regard to the payment status and dates further indicate the presence of errors in the report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Experian sent me a letter on XX/XX/XXXX stating the information was verified and accurate but never stated who verified the information for them. I am requesting to have the bankruptcy removed from my account immediately
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding
Product: Debt collection

I am attempting to pay off the last payment of a payment arrangement on my daughter 's medical bill, and the debt collector insists on receiving my date of birth before processing the payment. They then called my cell on the weekend outside of regular business hours. I refuse to give them my identity information and should not be receiving calls on weekends.
Product: Credit reporting, credit repair services, or other personal consumer reports

The fact that I always make timely payments on this account is causing me a great deal of anxiety. I have never missed a payment and I am very diligent about it.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

ONEMAIN XXXX XX/XX/2017 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX  XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year, Gateway Mortgage accepted and deposited my XXXX mortgage payment on XX/XX/XXXX ( XX/XX/XXXX ). They then reported that payment ( which was already withdrawn from my account by them ) as late because the escrow amount had gone up by {$67.00} between my XXXX statement and my XXXX statement. 

When I discovered the discrepancy, I immediately paid the remaining {$67.00}. That was on XX/XX/XXXX, only 28 days after my XXXX mortgage payment was due. 

Gateway Mortgage has marked my payment history with a " 30 days overdue '' remark, which is incorrect, because XXXX only has 28 days. However, they insist on reporting my payment as late because they follow a policy of payments being late because of the month, not the actual number of days ( XX/XX/XXXX, XXXX XXXX, XXXX ). 

My payment was not 30 days overdue and my credit report has an error on it due to how Gateway Mortgage chooses to report. 

I can provide documents from my bank and from Gateway Mortgage which show my timely payments. The property in question is : XXXX XXXX XXXX, XXXX, PA XXXX. 

I would like the late payment notification on my credit report to be removed immediately, as this is a dishonest and inaccurate portrayal of my payment history with Gateway Mortgage and is adversely affecting my credit score. 

Please call me or email ( information below ) if you need any additional information to update and correct my credit history. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is in violation of 15 USC 6802 BXXXX XXXX XXXX XXXX said that I opted in to have my information released however they never told me or gave me the option to opt out. This is a violation of the privacy law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sued my auto finance company, Ally Auto in XX/XX/2019. They locked me out of my account for months, I was not able to make payments. I called and was told my account was frozen due to the litigation. Now the company is reporting me late for not being able to make payments. I feel I am being punished because I sued Ally ( and won, over vehicle damage during a repossession ). I have asked them to correct this several times and was told they would. They are reporting different things to different agencies, which makes no sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting LexisNexis to delete a reported Bankruptcy since XX/XX/2021 due to inaccurate information being reported and it has yet to be corrected. 

According to the attached document, LexisNexis lists their source for the listed Bankruptcy as Maryland Federal Bankruptcy Court-XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX. However, I have documentation that the United States Bankruptcy Court, District of Maryland does not report any information to the credit bureaus ( also attached ). They also do not verify or validate information from consumers ' credit files. So I would like to know who at the Maryland Federal Bankruptcy Court-XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX LexisNexis verified this listed Bankruptcy with, their contact information and the date said Bankruptcy was verified. 

I will be filing a complaint with the Federal Trade Commission and also contacting a Consumer Protection Attorney.
Product: Vehicle loan or lease

Bank of America denied me for several auto loans that I qualify for. I know that I qualify because on the same day that I was declined I was also approved for the same auto loan product.

- My credit score was the same in both applications, the information that Bank of America used to approve me is the same information they used to deny me on the same day. The decisions were in minutes of each other. While my credit worthiness did not change within minutes - to deny me for a product that I qualify for and have been approved for is discriminatory and not legal as Bank Of America is supposed to be an Equal Opportunity Lender.

- Bank of America Corp. has a recorded history of XXXX discrimination in the past has implemented a XXXX re-education program that claims the United States is a system of white supremacy and encourages employees to become woke at work, instructing white employees in particular to decolonize your mind and cede power to people of XXXX. - According to an article in the XXXX XXXX  XXXX. 
- Although Bank Of America is making attempts to do better. I still find myself as a minority person of XXXX discriminated against. How can I qualify for a product and then not qualify just a few minutes later? Especially when Bank Of America has approved people of other skin XXXX, age, culture and religion for this same product with lower income and credit worthiness than myself- which is discriminatory and illegal. 
- I am aware I may have accidentally put the incorrect income in some of my applications- this was simply a typo/clerical error and is no means an excuse to deny my account. Especially since Bank of America has required additional criteria and changed the qualifying requirements after already approving my loan # XXXX ( this is illegal and discriminatory as well as terms may not change after offering them unless previously stated in writing ). 
- Bank of America has requested additional documents after already approving my loan # XXXX. 
- But they did not request additional documents before declining applications # XXXX, # XXXX, # XXXX, or # XXXX. This is discriminatory treatment as Bank of America has denied some of my applications for the same reason they approved XXXX of my applications. 
- This would only be fair if 100 % of applicants were denied under the same guidelines, but because Bank Of America has not made the same requirements for everyone but theyre making it XXXX for me- this is discriminatory.