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

On XX/XX/2023, I contacted the Chase credit card company and requested that an agent transfer XXXX Ultimate Rewards points to their transfer XXXX XXXX XXXX XXXX The agent who handled the call had trouble understanding XXXX, so I re-read everything and verified she had the correct amount of points to be transferred and also the correct XXXX account number to transfer them to. After the call I went to the Chase website and saw that XXXX points were transferred to XXXX XXXX instead of the XXXX I requested. I called Chase and asked them to reverse the transaction, listen to the recorded call tapes, and they said they are unable to do that and would investigate and send me a letter in the future. I want Chase to reverse or refund the excess amount that they transferred in error, XXXX, and put them back in my account so that I am made whole again and don't have a massive amount of miles in a program that I do not frequently use and do not want those points in.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXXXXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is on my report from XXXX  and earlier, the car note was ordered to be paid by my ex in divorce- it still is on my report- please remove
Product: Vehicle loan or lease

In the month of XXXX, I made 2 {$200.00} payments on XX/XX/XXXX and XXXX. On BMO 's website it shows both the payments were received but I was only credited for the {$280.00}. There is no trail of where the money went and it wasn't applied to the loan. Furthermore, the payments are both showing as being made on XX/XX/2023 on BMO 's website which is incorrect. The activity on their end seems suspicious since no one can really tell me where the money went.
Product: Debt collection

Company name is Wells Fargo. The number they are calling from is XXXX. Another number they have used is XXXX. The caller was named XXXX and he identified himself as calling from Wells Fargo Credit Card Services. His extension is XXXX. Trying to reach XXXX and or XXXX XXXX ( I think ) to discuss " your options '' as it relates to their debt owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

SEVERAL CREDIT CARD AND REVOLVING ACCOUNT DOES NOT SHOW ON MY REPORT THROUGH THIS AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit bureau letters asking them to verify information and accounts on my credit report. They sent me letter back stating that the accounts are verified as accurate. I still have inaccuracies on my report. 

XXXX XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, desmoines, IA XXXX, XXXX ) 15 U.S.C. 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
Product: Mortgage

I am a XXXX XXXX veteran who banks at Navy Federal Credit Union and I qualify under the federal mandate, Americans with Disability Act. In early XX/XX/2019, I tried to take out a second line of credit on my home. I was going to use a portion of these funds to help make my house more XXXX   accessible for my XXXX. Currently, my home setup exacerbates my health conditions. Over the next 3 months, I begin to see firsthand that the largest credit union in the United States, with over XXXX employees, the one that handles all our military and veteran banking needs is non-ADA compliant. From its website design, to their untrained employees, customer forms, directions and even their instructions all violate the XXXX XXXX XXXX that all business and public entities in the US must follow. The report that follows will show that Navy Federal Credit Union fails to adhere to the XXXX federal mandate. When finally confronted with the problem Navy Federal Credit Union then denies services and creates additional barriers to service, to eventually retaliation, where they locked me out of my account, keeping me from my Federally protected VA XXXX funds that I receive. Navy Federal Credit Union failed to trained their employees, nor hire a trained individual with XXXX expertise to ensure their companies compliance. By failing to do so, Navy Federal Credit Union has built an info structure that discriminates against people with XXXX. This should be alarming and troubling to every single American. The very people who are out their putting their lives on the line to protect and uphold the laws that govern the American people. These people who made the ultimate sacrifice and end up becoming injured because of their service to their country, these are the people Navy Federal Credit Union are exploiting and taking advantage of by not being XXXX compliant. With over XXXX employees hired to handle our Military and veteran Banking needs, they should be setting the standards in the banking industry and as a country we should demand it.
Product: Checking or savings account

Please help me. I was a victim of an employment scam. I applied for a job on what appeared to have been an XXXX XXXX website ( XXXX XXXX XXXX ). I now know it was a fake site. A few days later I received an email from XXXX XXXX Senior Human Resource Manager who offered a me a remote customer service representative position. He emailed me a job interview like questionnaire for me to fill out. After completing that questionnaire, I was informed by the individual via email that I had I received the position. The following day I received an official job offer letter which include the position, salary and benefits. I was informed by that HR manager a check would be emailed to me prior to my start date. Upon receiving that check via e-mail, I had to deposit and make payments to their vendors for the equipment that were meant to be sent to my house. A week later a check was emailed to me in the amount of {$4900.00}. I deposited the check via my mobile banking app with JPMorgan Chase Bank. A day later the funds were available in my account, so I assumed the check had cleared. As per the HR manager 's request I sent a XXXX payment in the amount of {$1900.00} to XXXX XXXX XXXX ( XXXX ) and two payments totaling {$3000.00} via XXXX to XXXX XXXX. The following day something felt off about the transactions from the day before, so I decided to contact the bank to verify that the check had in fact cleared. I was informed that the check was still pending. After hearing this I realized the check had not cleared when I made the payments the day before. I asked the representative to put a stop payment on both the XXXX ( {$1900.00} ) and XXXX ( {$3000.00} ) payments. She informed me that she was able to stop the XXXX payment. However, was unable to stop the XXXX payment. A few days later JPMorgan Chase emailed me and inform me that the check had been returned due to it being fraudulent. I contacted Chase Bank in regard to what had happened to me. They told me since I authorized the transaction it wasn't considered fraudulent and refuse to open a fraud case and reimburse the funds.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I am NOT a 3rd party.I am submitting this complaint on my own behalf. 
XXXXXXXX XXXX-ACCT # XXXX {$820.00} XXXX XXXX XXXX-ACCT XXXX XXXX {$1200.00} I disputed the above referenced accounts on XXXX XXXX as fraudulent and attached a FTC report and a police report . The credit report of XXXX shows these items were deleted from my credit file. Now these items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in cases of disputed accuracy ( 15.U.S.C. 1681 ) Requirements relating to re-insertion of previously deleted material. 
Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate If any information that has been deleted from a consumer 's file pursuant to subparagraph ) A ) is re-inserted in the file, the consumer reporting agency shall notify the consumer of the re-insertion in writing not later than 5 business days after reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information as part of, or in addition too notice under clause ( I ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date, ( I ). a statement that the disputed information be reinserted. 
( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the re-insertion of such information; and ( III ) a notice that the consumer has the right to add a statement to the consumers ' file disputing the accuracy or completeness of the disputed information. 

I RECEIVED NO SUCH INFORMATION.THIS IS A SERIOUS VIOLATION OF THE FCRA, AND I RESERVE THE RIGHT TO PURSUE FURTHER ACTION. I DEMAND THAT YOU IMMEDIATELY DELETE THESE ACCOUNTS FROM MY CREDIT REPORT IN ORDER TO AVOID LEGAL ACTION. I WILL ALSO FAX THIS TO THE CONSUMER FINANCIAL PROTECTION BUREAU. 

PLEASE NOTE THAT I HAVE OPTED OUT IN WRITING TO YOUR FORCED ARBITRATION TERMS AND AM WILLING TO SEEK LEGAL RELIEF. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered some unauthorized inquiries on my credit report this morning, and I'm at a loss as to why they're there. When I checked my report, as I regularly do, I was shocked to see discrepancies that appeared out of nowhere. I even tried refreshing my browser, hoping it was just a glitch, but the unauthorized inquiries remained. This situation is deeply troubling, and I urgently request that the documents I've sent be thoroughly reviewed so I can finally stop worrying about this.
Product: Credit card

1. Balance was paid in full in mid XXXX ( ~ {$140.00} ) XXXX. In XXXX we were sent a statement that says we had XXXX something dollars worth of credit in the card, XXXX. XX/XX/XXXX : They went into my bank account and withdrew {$45.00} ( an arrangement I had made with them prior to account being paid off ). This is despite the account being paid off. 
XXXX. XX/XX/XXXX : They went into our account and deposited the {$45.00} they withdrew on XX/XX/XXXX ( again, because the account was paid off ). 
XXXX. From that point on, they started charging us for checks bouncing from our bank account. Obviously nothing bounced since : ( a ) account was paid off so they were not supposed to withdraw any money, ( b ) they went into the account and actually withdrew the money successfully and deposited back in. 
XXXX. For the past month my husband has spoken to six customer representatives and escalated this twice and no one was able to help. Plus, they even charged us now for being late on bogus charges despite the account being paid off since XXXX. Every time my husband calls they want me on the phone to approve despite authorizing my husband on account ( even to take off the bogus extra 'late ' fees we are being charged ). 
XXXX. I tried to reach out to IKEA on social media to escalate and no luck.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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  XX/XX/XXXX
Product: Checking or savings account

I opened a account with JP Morgan Chase Bank in XX/XX/XXXX, and deposited {$25000.00}, loan from XXXX XXXX XXXX It was to help my children in college, pay for food while they were in school and to help with some medical bills. Once Chase bank verified with XXXX XXXX, the money was deposited on XX/XX/XXXX. I was told I would received my bank debit card in the mail in 3-7 days. The card never arrived until 3 weeks later. I had to send my kids money for food and pay rent for my daughter in college. The bank offered two money send features, bill pay/XXXX services which I tried to use both to send money to my family, Which at that time Chase Bank proceeded to reject my attempts to help my children 3 times. I called Chase Bank and was told this was fraudulent, I verified myself and they said should not happen again but they continued this activity for about a month. Needless to say I got upset and angry. I stated, this is my money and I have used bank services as intended to help my family. How can using my money and bank services be Fraud. I was interrogated, persecuted, and accused of Fraud. They also accused XXXX XXXX XXXX of fraud. So after several attempts to send money to my kids, Chase Bank flagged me as a fraud and froze my account. They are trying to charge fees, confusing my transactions, restricting my transactions and have plans on trying to take/confiscate my money. I believe this to be a effort to use circumstances created by Chase bank to take my money. I spoke with Chase Fraud department many times and the last time they I told them, as many times before, you are accusing/treating and making accusations to a innocent person and are affected my children. they said " we will see about that '' authoritative/arrogant/self righteous. I told them and challenge then to contact the financial institution that deposited the money and verify. They would not listen. I called XXXX XXXX and told them to intervene and to re-verify my legal deposit. I need your help exposing these deceitful and corrupt activities
Product: Credit reporting or other personal consumer reports

submitted disputes online with XXXX, XXXX Experian and the report number for experian is XXXX on XX/XX/year> to verify collection account with XXXX XXXX but the information comes back as accurate and verified yet the information is still incorrect. I have reached out to the company multiple times to verify debt collection and I also have yet to receive debt validation from the company or company trying to collect an invalid debt. I have attached all of the letter I have sent to debt collection companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letter on XXXXXXXX XXXX XXXX XXXX for account XXXX that has inaccuracies and shows that I owe {$4500.00} to Experian and XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a payment to my capital one savor XXXX card for {$190.00} using my debit card. Capital one has always made credit available for use immediately when using this method. However this time it wasnt available. I waited till the next day thinking it just needed to process overnight. Still nothing. On XX/XX/XXXX I made an additional payment of {$69.00} using my debit card again. The available credit still didnt change. I contacted customer service and spoke to an extremely rude supervisor who informed me that my payment was being held for XXXX XXXX days and there was nothing they could do. This payment was made with a debit card, the money is immediately withdrawn from my account. Why is it being held that long? No one could tell me and now I have {$300.00} held up not able to be used.
Product: Credit card

Bank of America opened a credit card in my name, without my permission somewhere around XX/XX/XXXX to XXXX/XXXX. I contacted them in XXXX of XXXX to inform them that I did not authorize this account. They told me that I had a balance of {$20.00} on it. I said I did not make that charge. She said it was a yearly fee. Then she said they would have to wait a month to see if any other charges came in. I received a letter XX/XX/XXXXthat it has been resolved. They let me believe that I was hacked when in fact they illegally opened this account. I froze all my accounts, then unfroze after reported on the news that this is what they have been doing.
Product: Debt collection

I don't recall having a contractual relationship with this collection company CREDIT MANAGEMENT LP. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Student loan

I submitted an application for student loan discharge based on school misconduct on XXXX. XXXX I have received a denial letter stating that I do not meet the requirements for discharge. The letter does not give any information as to what requirements that I do not qualify. I am requested to be supplied with the proper documentation and specifications to which I was denied XXXX. My misconduct application supplied Navient with more than sufficient information in a timely manner. I was even told that my school does qualify for discharge before even being presented with the application around XXXX. I requested more than a vague explanation. This letter does not give any reasons. I was told by a representative on XXXX that I could submit additional documentation. I have given an ample amount of documentaion that was submitted with my application. I am following up with a complaint to the CFPB to acquire this information because navient has failed to supply this information as these are my rights.The fair credit reporting act ( FCRA ) and equal credit reporting act ( ECOA ) require creditors to provide specific reasons for denying or not discharging a loan. I am requesting further clarification in order to address this matter. I also requested information on how to appeal this and was not supplied with any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion on XX/XX/2022 to remove an inaccurate account, that is being reported with an incorrect monthly payment. Item was not removed after investigation completed on XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am reporting the invalid data listed on my credit report that has never been validated through the FCRA an needs to be deleted from my credit report. all information listed has been reported as identity theft. please review an review the information to help clear my credit report. no information is correct on all 3 files. delete off my credit report asap.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNT AND ADDRESS HAS BEEN ON MY CREDIT REPORT FOR A LONG TIME. I HAVE TRIED MANY TIMES TO DISPUTE THIS INFORMATION DUE TO IDENTITY THEFT. I HAVE TRIED DISPUTING WITH THE CREDITOR AND THE CREDIT REPORTING AGENCY EXPERIAN, BUT I DONT SEEM TO GET ANYWHERE. I AM AN ELDERY AND RECIEVE SSI, I NEVER HAD THIS CREDIT ACCOUNT, SOMEONE USED MY PERSONAL INFORMATION TO APPLY FOR THE CREDIT CARD AND TO USE AND MAKE PAYMENTS ON IT AND LEFT IT AS A NEGETIVE ON MY RECORD. I NEED THIS ACCOUNT AND UNKNOWN ADDRESS OFF MY RECORD ASAP. 

DISPUTE : REMOVE ACCOUNT : XXXX ACCOUNT XXXX XX/XX/2019 DISPUTE : ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The  Tax Lien  information is incorrect, The account is showing on   XXXX   and Transunion.   Transunion :  XXXX   XXXX   XXXX   XXXX  Docket #  XXXX   XXXX  : Tax lien filed on   XXXX   XXXX     Type Tax lien Court number  XXXX  Case number  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent FTC report to all three CRAs on fraudulent accounts and inquiries on XX/XX/2019. I have contacted Transunion with phone call for the Fraudulent Inquiries on my report. They removed the fraudulent accounts but did not remove the fraudulent inquiries that are stated on my FTC report!
Product: Payday loan, title loan, or personal loan

On XX/XX/2019 I paid the full outstanding balance of {$7600.00} it's still showing on all the reporting Credit Bureaus with this outstanding balance,, should be an XXXX  balance.
Product: Debt collection

I dispute all my.medical with XXXX  that are on my credit report because my insurance has paid it. I get a notification with in a day of the results. You can possibly tell me that with all the disputes XXXX gets, it only takes them from 4hr to 1 day to get results. I would like proof that XXXX  has actually looked in to my discrepancies