23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To Whom it may Concern: I have submitted numerous complaints to this agency regarding the awful practices of Chase Home Financial - a company that is refusing to accurately report my 2011 Short Sale as a Short sale and instead continue to report to the credit bureaus that my loan was paid after Foreclosure Started.  My account was "referred" to Chase's foreclosure department within the same month that the sale closed as a Short Sale.  Months before - Chase had already agreed to the Short Sale and the sale was in process per Chase's agreement.  Per the FTC's website - a short sale and a foreclosure are not to be treated the same.  My loan closed as a short sale, the bank never had or took possess of my home and there was never a XXXX.  So why is Chase allowed to continue to report my Short Sale to all XXXX credit bureaus in a manner that causes them to threat the short sale as a foreclosure for reporting purposes, keeping it on my credit for 7 years and thereby damaging my entire credit rating and holding me hostage from a financial perspective?  I have been reporting this to the CFPB for a year and you've done nothing to to enforce your own mandates regarding Short sales that are stated on the FTC website.  I've also spoken to an attorney about taking action against Chase.  My attorney advised me that a case would be a losing proposition given that the CFPB has not demanded or published any regulations requiring the banks and the credit bureaus to properly treat short sales as short sales versus a foreclosure.  So why then do you have the information on the FTC website at all if consumers can not rely on it and the banks and credit bureaus are not Required to adhere to it?  I negotiated a short sale with Chase and the transaction closed in a short sale - I've submitted volumes of documents to your agency evidencing that and Chase does not disagree that the sale closed as a short sale.  However, despite the fact that Chase agreed to a short sale they still referred my property to foreclosure the same month that the sale was closing and now have been allowed to damage my credit by erroneously reporting a short sale as a foreclosure and the credit bureaus are treating it as such.  Until the CFPB requires the credit bureaus and the banks to follow the standard articulated by the FTC and distinguish between the XXXX, consumers like myself will continue to be held hostage by the banks and unfairly punished for something that did not happen.  The CFPB needs to address its lack of enforcement in this area or stop taking mortgage complaints regarding short sale reporting - this is worse than the banks to have clearly articulated mandates for the banks and credit bureaus to follow and then not enforcing them at the consumers expense - so annoyed and disappointed!
Product: Credit card or prepaid card

i have XXXX XXXX debit card where my social security check is put on. ive had it for approx 8 years. i have had several unauthorized charges in one form or another some lasting 2 years of consecutive charges taken from my acct. it is now at the point where approx 200 hundred dollars a month of unauthorized charges has been taken from my acct each month. i have filed several disputes but XXXX XXXX never ruled in my favor and i have spoken with XXXX XXXX at least once or twice a week for years because of this.. the amt taken on XX/XX/2019 was XXXX dollars i called them again and after being hung up on twice. i finally was able to file yet another dispute and asked that i be given provisional credit. today 6 days after filing the dispute i spoke with them yet again and they havent sent the paperwork i have not received it. and when i asked about getting a provisional credit before ten days. they said no. that as long as it takes for them to investigate. i read the law regarding this. and she said its their policy and not a law. i am losing so much money and i am XXXX on a fixed income. i truly dont know what to do anymore and whould hope finally someone hears me and makes this stop
Product: Payday loan, title loan, personal loan, or advance loan

In or around XX/XX/XXXX, I took an installment loan from Sun Loan Company in XXXX XXXX Texas. In XXXX of XXXX, I lost my job at XXXX XXXX as a XXXX. I immediately called this company to ask if they could come to some kind of payment arrangement with me, as XXXX per month was a very high amount to pay. I was told " no '' by the Customer Service representative and was further advised I should " ask a family member for help, because I have a contract ''. After this phone call, this company repeatedly called me more than 3 times per day, asking when I would be able to make additional payments. I was unable to get the calls to stop until I threatened a lawsuit. Additionally, my credit reports were not being updated to show that this account was being paid every month. In XX/XX/XXXX I spoke with the District Manager and again asked for assistance because I was struggling to pay my bill. The Manager stated he would be unable to help me because " if they helped me out, they would have to help everyone ''. In XXXX of XXXX, I relocated to New York State. My change of address is on file with the post office. In XX/XX/XXXX, I contacted Sun Loan Company to inform them of my move, and ask why my credit report was not being updated. The rep on the phone stated since I was no longer in Texas " She can not help me '' and hung up the phone. In XXXX and XX/XX/XXXX, Sun Loan Company did an illegal skip trace and discovered I had moved. They have again started calling numerous times in a week.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a fraudulent account from XXXX XXXX listed on my credit reports from XXXX, TransUnion and XXXX. The account was an installment loan. I did not obtain or authorize any such loan. I disputed the information with the credit reporting agencies and further filed an identity theft report with the FTC. The credit reporting agencies presumably conducted an investigation into the account, but the results of the investigation did not modify the fraudulent and incorrect information listed in my credit reports. I have made multiple attempts to contact XXXX XXXX. In my email communications with them, a customer service representative directs me to call a hotline and can not help me via email. However, the " dedicated '' hotline has a wait time of 300 minutes ( 5 hours ). It seems to me that XXXX does not want to solve the problem. It also appears to me that the credit reporting agencies did not actually conduct an investigation and did not provide any useful information on the fraudulent account beyond a generic status update. Since this fraudulent account is now flagged as overdue, my credit score has dropped over 100 points.
Product: Credit card

I paid my entire balance on my Capital One XXXX ( {$3500.00} ) on XX/XX/year> ( 10 days prior to the due date ). I had one purchase during the next billing cycle of {$29.00} ( final charge on cancelled XXXX XXXX XXXX with XXXX ). I was surprised to find an interest charge of {$25.00} on the purchase. The attached statement shows " Interest Charged on Purchases. '' That's almost 100 % interest!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
ADDRESSES NOT RECOGNIZED 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 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 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

I sent a letter on XX/XX/XXXX to XXXX and TransUnion 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 ) Equifax and TransUnion 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 and XXXX & I am including it again., XXXX XXXXXXXX Balance : {$27000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX, IL XX/XX/XXXX
Product: Debt collection

This debt to which I have no idea is for, I assume it is from an account that was opened fraudulently to which I sent a police report and disputed. The account was closed and removed from my credit by the original creditor however was illegally sold to this third party collection company. I have received no notification of this debt and when I have attempted to call either the number is not a valid number or I am asked to verify pieces of information I am uncomfortable to release to a debt agency that I have no idea for. I do not owe any debts to any agencies and therefore am seeking to have his frivolous account removed from my credit report.
Product: Credit card or prepaid card

I applied for 2 different credit card consolidation loans. One was through XXXX and the other through XXXX XXXX. XXXX XXXX is also the bank that I use for my Checking and  Savings Accounts. XXXX XXXX approved me for {$6000.00} which would cover one of  the cards and the remainder would be consolidated by the other loan. I used the XXXX loan to pay off both Capital One Cards that I have. 
XXXX XXXX did not indicate that it would send a check directly and instead sent checks and a card to me. Without telling me, XXXX XXXX also sent an electronic transfer to Capital One - causing one of the accounts to have a {$4900.00} credit on it. 
I called Capital One on XX/XX/19 and the representative ( XXXX, # XXXX ) told me that they would cut a check to refund this overpayment in 7-10 days. After over a week of waiting with no check in site, I called them to find out where it was. 
The first person I talked to told me that the check was never cut because my call was disconnected on XX/XX/19. I knew that wasn't true so I asked to speak with his supervisor. The supervisor ( XXXX, # XXXX ) told me that my refund check was held up in a " verification process '' that would not be complete until XX/XX/19 and then AFTER that it would take another 7-10 days to cut and mail the check. She said that neither expediting nor an EFT was possible because their refund department is backlogged. 
She was unable to explain to me why my credit needed to be " verified '' for 15 days before the refund. 
It seems to me that a company that makes a profit charging interest to borrowers should not be allowed to sit on client 's money that isn't theirs for over a month and claim that its a process issue. Especially when the person I spoke with last week assured me that I would have it by now. Is there any regulation in place that prevents consumers from getting the run-around like this? It's scary that they can hold my funds this way ( funds accruing interest, by the way ).
Product: Credit reporting, credit repair services, or other personal consumer reports

There are hard inquiries on my credit report that I did not authorize. When I called to get them removed Transunion did not help me to get this corrected. 
The inquiries not authorized by me on the report include : XXXX XXXX XXXX/XXXX/XXXX I called to have this removed and the company stated they could n't remove them the credit bureau had to remove it. I called the credit bureau and they stated they could n't remove them the companies had too. 
XXXX XXXX/XXXX/XXXX I called to have this removed and the company stated they could n't remove them the credit bureau had to remove it. I called the credit bureau and they stated they could n't remove them the companies had too. 
XXXX XXXX XXXX/XXXX/XXXX I called to have this removed and the company stated they could n't remove them the credit bureau had to remove it. I called the credit bureau and they stated they could n't remove them the companies had too. 
XXXX XXXX/XXXX/XXXX I called to have this removed and the company stated they could n't remove them the credit bureau had to remove it. I called the credit bureau and they stated they could n't remove them the companies had too. 
XXXX XXXX/XXXX/XXXX I called to have this removed and the company stated they could n't remove them the credit bureau had to remove it. I called the credit bureau and they stated they could n't remove them the companies had too. 
XXXX XXXX/XXXX/XXXX I called to have this removed and the company stated they could n't remove them the credit bureau had to remove it. I called the credit bureau and they stated they could n't remove them the companies had too. 
XXXX XXXX/XXXX/XXXX I called to have this removed and the company stated they could n't remove them the credit bureau had to remove it. I called the credit bureau and they stated they could n't remove them the companies had too.
Product: Debt collection

XXXX XXXX XXXX XX/XX/2022 charged {$840.00} for in network insured coverage. My balance was {$380.00} which was paid. The balance of {$460.00} was charged to me, I did not receive an additional invoice, and the balance was sent to Medical Revenue Service XXXX XXXX XXXX XXXX XXXX XXXX. I called to dispute the charge, and was told there is no reference number to record the dispute. After a dispute is filed, neither XXXX XXXX XXXX and Medical Revenue Service will discuss the dispute with me for 30days. Medical Revenue Services provided no additional information for me to be able to provide additional information of the false billing. I frequently receive bills from XXXX XXXX and XXXX XXXX XXXX that are inaccurate, as well as being billed months to years after the charges were accrued. XXXX XXXX is practicing exploitive billing techniques.
Product: Money transfer, virtual currency, or money service

During an online search, XX/XX/2021, my computer was hacked into and the thieves transferred {$1900.00} from my savings account and then executed an International Wire Transfer from my checking account to XXXX in the amount of {$10000.00}. Within two hours of this transaction I was at Chase Bank to report the theft. The branch manager told me right away that I am liable for the funds because International Wires are not covered. Now Chase Bank refuses to return any money citing " ... I did not properly set up alerts on my account.. ''. I believe I have rights under the Electronic Transfer Act - Regulation E and am seeking help with this matter. Chase has simply shut me down. 
I have exhausted all avenues and spent about 20 to 30 hours on hold, transfers etc. through Chase Bank filing fraud report claims etc.
Product: Credit card

Per the company 's response : " Upon receiving your most recent correspondence we were able to confirm on XX/XX/year>, you upgraded your Blue Cash Everyday Card to the Blue Cash Preferred Card. On the same day we submitted a request for enrollment for the PCAC benefit. It is important to know, your renewal month is in XXXX, which means you missed the timeframe for the credit issuance for XX/XX/year>. '' When I upgraded to the blue cash preferred card on XX/XX/XXXX, I was told that I would receive the {$50.00} credit for that card year. It was the reason I chose to upgrade. I relied on the information provided by American Express and my decision was based on that reliance. It is fraud to promise a credit and then not provide it. If you do not wish to provide it, please return the fee that I paid to upgrade my card as I would not have done so if you had not promised me the PCAC benefit.
Product: Debt collection

I receive multiple phone calls from Focus Receivables Management daily, but I do not owe any debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX , XXXX, OH XXXX The following accounts are not mine I have never had an account with these companies : XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,
Product: Bank account or service

Between XXXX, my account was compromised. My bank never contacted me regarding any suspicious activity or anything. I closed the account XX/XX/XXXX. XX/XX/XXXX I contacted my bank. I spoke with a claims representative about the unauthorized transactions. She told me that she would take care of it for me. She told me not to worry. After over 30 days, I received a portion of the money that was taken from me. There were several claims filed ( around XXXX ). I submitted a letter requesting all of my money be returned for XXXX of the claims. This would total over {$15000.00}. My bank sent me an electronic letter the very next day saying the transactions were authorized. I called and was told they had my computer 's IP address. I requested to review the information the had. I never received it. Thereafter I received a letter approving and finalizing my claims. I submitted another letter requesting the return of my money. Then the claims representatives told me that I had not reported the transactions within the 60 days. This is the first time I had heard of reporting unauthorized transactions within 60 days. I began researching. My bank has not been telling consumers about this within 60 days rule. My bank stated to XXXX consumers via social media sites XXXX, " All Chase cards also come with zero fraud liability protection against unauthorized use for cardholders. '' My bank has also stated this in their publishing XXXX. XXXX reaches about XXXX consumers. How can my bank refuse to return my money using this 60 day rule ; But, refuse to inform us this same rule publicly? This is misleading. My bank is telling XXXX us everyday that we are not liable for unauthorized transactions. I was returned a portion of my money. I am asking that XXXX claims be returned in full. Today XXXX stated the same quote of zero fraud liability protection from your bank. I have been reaching out to the Executive Office XXXX, the Corporate Office XXXX, Claims representatives, Department XXXX, and a local branch urging them to return my money. I even lied like I had already contacted your organization and filed a complaint against them in hopes of prompting them to do the right thing and return my money. I review their social media sites every single day. So many consumers are complaining about the same thing. They can not lie to us publicly in an attempt to attract more customers, then refuse to stand by their public statements. This is misleading. The Federal Trade Commission refers to this in Section XXXX of their FTC Act : Unfair or Deceptive Acts or Practices. I really want my money returned to me.
Product: Prepaid card

I 've been a client of Rush card for 5 years and now I 'm having major issues. ... .I 'm not able to axcess my money and customer service has no idea when this problem will be fixed ... I have direct deposit and I 'm taking a trip Thursday. ..with no money how am I able to go on a vacation I 've already paid for as well as my entire paycheck gone ... .I have n't been able to get a clear answer to my questions and this is not acceptable. ... many ofb th heir clients are going through yhe same thing. If I ca n't axcess my paycheck Thursday I will need f u ll compensation for my troubles asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX send a letter to all Three Major Credit Bureaus to inform that due to COVID i had a no payment requirement from XXXX through XXXX. Payments should be changed from late payments - XXXX shows 30 days late, XXXX through XXXX shows 60 days late. THis should be changed to on Time or NA so that it does not impact my score. I have been negatively impacted and it is affecting my ability to obtain credit for a home. XXXX XXXX  send notification to XXXX, XXXX  and Experian so that it can be updated. Please remove this inaccurate information from my credit report immediately. 
This account was handled incorrectly with XXXX  XXXX  causing me to pay more than what i had to pay every month. XXXX XXXX agreed to remove the late payments and update as positive. Please update the late payments from XXXX through XXXX.
Product: Checking or savings account

My Frost bank accounts have been hijacked by one of their representatives XXXX XXXX XXXX who instead of calling or emailing me has frozen my accounts and called my ex-girlfriend. I have no access to financials well over {$500.00} and have not authorized any action on the part of Ms. XXXX or Frost Bank.