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

ATTN : XXXX XXXX, XXXX AMERICAN EXPRESS I have attached all forms of identification, this is and will be utilized to authenticate my identity in any sub sequential correspondences. 
I, agent for principal XXXX XXXX and affiant, I am a federally protected consumer, holder in due course, attorney, for any and all derivatives thereof for the surname/given name and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, and autograph as the agent and administrator in fact.

Notice it is a fact, affiant is aware, according to 15 U.S. Code 1666d, if the creditor has a total balance due on the account, rebates of unearned finance charges or insurance premiums, amounts otherwise owed to or held for the benefit of an obligor, the creditor AMERICAN EXPRESS must return any and all amounts of the credit balance upon the request of I, the consumer. I demand to receive all credit refunded to me in the form of zero balance at the end of each billing cycle. 

Notice it is a fact, affiant is aware of the false character of the amount of any debt is a violation of XXXX U.S.Code XXXX ( XXXX ) ( A ). How can AMERICAN EXPRESS allege I the affiant owes a debt but the debt is shown in the positive balance. If the balance was owed in a bank account it would be shown in the negative. This amount is shown positively. How can a person pay on a positive amount? This amount appears as if it was owed to me. 

Notice it is a fact, affiant is aware, according to 1602j, the plastic card device issued from the creditor AMERICAN EXPRESS gives way to I, the affiants open-ended consumer credit plan which contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time.

Notice it is a fact, affiant is aware, a creditor may not report or treat any payment under a open ended consumer credit plan meaning my plastic credit card issued by AMERICAN EXPRESS pursuant to 15 USC 1666b unless creditor has followed section 1637 ( b ) and dealt with all billing errors.

Notice it is a fact, pursuant to 15 U.S.Code 1692a ( 4 ) creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor. Notice, it is a fact, affiant is a consumer and a natural person in accordance with 15 U.S.Code 1692a ( 3 ).
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report, as provided by your bureau, and to express my concern over what I believe is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Ive provided proof of my identity being stolen and compromised by fraudsters, my police report, my FTC report, court documents, with my proof of identification documentation, and my address verification to this company to prove my identity, and innocence. This company continues to support fraud by illegally furnishing incorrect and fraudulent information on my credit report that Is against my rights. This company has violated my consumer rights entirely. This company did not protect me, and my information. This is the XXXX notice Ive sent to this company, and this company continues to ignore my rights as a consumer and furnish fraudulent inaccurate accounts and addresses on my credit report. This company also committed fraud along with the perpetrators by violating my rights. I as a consumer should have my rights under the FAIR CREDIT REPORTING ACT RESPECTED, PROTECTED, AND INFORECED TO KEEP ME SAFE AS A CONSUMER. AFTER THIS XXXX NOTICE, WITHIN XXXX  DAYS I WILL BE FILING A MOTION TO SUE THIS COMPANY FOR PAIN AND SUFFERING AND MY RIGHTS BEING VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE PATIENTLY GIVEN THIS COMPANY MORE THAN 30 DAYS TO VERIFY THESE FRAUDULENT ACCOUNTS, AND REMOVE THEM, BUT THESE FRAUDLENT ACCOUNTS ARE STILL REPORTING ON MY CREDIT REPORT. THESE FRAUDULENT ACCOUNTS SHOULD BE REMOVED IMMEDIATELY, BUT THIS COMPNAY CHOSE TO VIOLATE MY RIGHTS, AND NOT HONOR MY IDENTITY THEFT CLAIM.
Product: Money transfer, virtual currency, or money service

I, ( my name ) was incarcerated in XXXX when my pre-paid card bank was closed ( XXXX  ) I was sent a check with my funds to my home, a rather large check for ( {$63000.00} ) Since I was incarcerated, I had my wife, ( wives name ) attempt to deposit the check to her Chase account. 
Chase, cashed the check but immediately closed her account, with the funds in her account. 
Chase then sent a check to my wife with XXXX funds at the time and she opened a new account with Chase. 

My check remains in a closed chase account. 
We have asked chase to return the check to the issuing bank ( XXXX XXXX ) And chase for MONTHS kept telling us, that XXXX XXXX has to initiate the process by contacting chase. 
We told XXXX XXXX to contact chase and they said Chase has to contact them. 
This was months of the same back and forth. 

Eventually, we were told by someone on the fraud team that Chase already cashed the check so they cant return it to the issuer. 
Chase told us, that when I return back from incarceration, I can speak to them and they can return the funds to me. 
So we waited and I returned in XX/XX/XXXX and have been going back and forth with Chase since then. 

I went to the branch the check was deposited to with my identification and paperwork and was told Chase doesn't identify people in PERSON. Only by phone. 
The fraud team then attempts to identify me using OLD phone numbers from XXXX years ago that I no longer have. They are attempting to identify me using old out-dated phone numbers. 

At the time ( XX/XX/XXXX ) i got out of prison and got a new phone and number. 
Chase told me since the phone number I got was a pre-paid plan, they cant use that to identify me and I should get an actual plan from a major phone company. 
I then sign up for a paid plan with XXXX and currently have XXXX phone numbers. 

After a month we called to identify me using my XXXX phone number ( which they advised me to get ) and they said my name does not come up as associated with the number. We give it another month, and get the same response. Now its a waiting game for my number to show up on some database to get verified. 

Last week, ( XX/XX/XXXX ), my wife calls the fraud team to check the status on my phone number and identity and they say my name shows up with the phone number, but there is an error with my ADDRESS?? We have no clue what that means and they offer no other information. 

They do not offer any more information and we are extremely frustrated and confused and have no idea what to do anymore. 

I have suffered so much pain and suffering as I have no money to pay rent or my bills or food. Chase has my money XXXX and are not offering ANY path to resolution. 

I filed a complain in XXXX to the issuing bank XXXX XXXX and was told by them that the money is in chase accounts as they cashed the check and that basically XXXX XXXX has nothing to do anymore with the issue. I was told by chase to deal with XXXX XXXX but there is nothing XXXX XXXX can do. Now i am opening a complain to CHASE BANK as the issue is now with them and their actions toward me and my wife.
Product: Student loan

My credit score is materially lower due to the fact that the average age of my accounts is misleadingly low. XX/XX/XXXX accounts have an aggregate age of ~8 years ; however, given that my graduate loan account with Nelnet is split into XXXX " accounts '', my aggregate account age is 4.1 years. If these accounts only showed up once ( as I feel is more truthful - XXXX loan provider, for XXXX XXXX degree ), my aggregate account age would be ~5.4 years. This increase, according to XXXX XXXX, would move me from " poor '' to " fair '' in terms of average account age. I would like this to be updated so my credit score does n't reflect a misleadingly low average account age.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I saw that CHRYSLER CAPITAL was still reporting a derogatory mark on my credit report per XXXX XXXX XXXX XXXX Upon further research, this account was transferredXXXXsold and I am no longer responsible for the account, debtorXXXXcreditor did not verify this collection, also there was no written form of communication, contract or signature for this accused debt at all. 

According to the FCRA XXXX collector name XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately. I was a victim of identity theft and have submitted my information to the company several times in order to resolve this issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reported a late payment to my credit which I never paid late, requesting that it be deleted from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am on XXXX XXXX military leave and i had to go to Mississippi for 9 months. My mortgage has been on autopay with XXXX XXXX. Apparently my loan was sold to Carrington mortgage and they have not been fun to deal with. I have been paying them 2 times per month for the full monthly mortgage payment. Yet somehow they just reported my monthly payment over 30 days past due to the major credit bureaus. I am not sure why when my loan was transferred to them that they did not keep my automatic payment. I have never had any issues paying my mortgage and i have perfect credit. I am extremely unhappy with Carrington so far. I also looke up online and read that when your mortgage is sold legally the new servicer can not report any late payments for over 60 days to ensure the payment is properly applied. They have violated my consumer rights.
Product: Checking or savings account

Spoke with a male representative from the XXXX XXXX XXXX XXXX XXXXXXXX about my funds of {$22000.00} turning into - {$22000.00} I was not notified about this at anytime. I went onto my HSBC app & realized that my account had become negative without anyone reaching out to me, explaining why or where are my funds. The representatives response was that I opened this account in XXXX & the HSBC Premier account that I entered into requires an average balance amount of {$75000.00} that this account was unable to maintain this average balance. And for this reason the account has closed. Im unable to get access to my money that was in the account. Its been XXXX months since the customer service representatives have continuously stated to me that I need to wait for this account that is still pending closure to close. Then I will be mailed a check, No time or date available for XXXX months just keep stating that I need to wait that the representative is making a note that I need my funds. Closure is pending, not able to speak with a supervisor at my request! Unexplainable? Also have proof of the account that I entered into agreement with, stating that the account Needs to maintain an average balance of {$10000.00} for XXXX consecutive months to receive a {$500.00}. Welcome deposit for new customers. After I called about the {$500.00}. Bonus, This bank has continued to find a problem with the account. Unfair and not releasing my funds to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been having this problem with Equifax for a while now,, I disputed the bankruptcy that's showing inaccurate information on my Credit report. I disputed the bankruptcy in XXXX and they replied back it was verified and accurate on XX/XX/XXXX XXXX on XX/XX/2018 I asked the US Bankruptcy court by writing do they verify or send information to the credit Bureaus. The US Bankruptcy court replied back to me in writing saying that they do not provide any information to the credit bureau.. I have a copy of that letter from the clerk Enclosed. on XX/XX/2018 a security freeze was in effect on me with XXXX I have a copy of the freeze from XXXX XXXX. On XX/XX/2018 A security freeze was in effect with XXXX.. I have a copy of the freeze confirmation from XXXX. In XX/XX/2018 I sent a certified letter to Equifax to reinvestigate the inaccurate Bankruptcy on my credit report ... They replied back saying it was verified in XXXX. They are reporting inaccurate information because the US Bankruptcy do not report any information to the credit bureau. I have freeze on my credit file so how are they getting the verification.. They are reporting inaccurate information. They are reporting misleading information they are reporting information that is not valid. I then filed a complaint with the CFPB on XXXX for them to investigate why Equifax is not reporting 100 % accurate information. Also As you can see from the XX/XX/2018 report from Equifax ( XXXX ) they have the address listed as XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ( XXXX ) But on the XX/XX/XXXX report ( XXXX ) the address is showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ..The information is not accurate from the previous report, .. on XX/XX/2018 I submitted a complaint on this same issue with Equifax and they responded back saying they need authorization from me to proceed with my complaint,,, I called the CFPB to see what was that about and said Equifax need me to send in my Drivers license .and copy of my social security card,,, I called the Equifax global to see what was the issue and I advised them of my complaint and advised them that they already have pictures of my ID and my Social Security Card in file AND A COPY OF A BILL IN MY NAME SO WHY THEY NEED AUTHORZTION TO respond to my complaint. They are not trying to respond to my complaint because they know they are not reporting 100 % information on this issue and they are trying to get out of responding to my complaint. This is not right ... my consumer rights ' are being violated
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I sent a Certified Letter on XXXX the XXXX 2017 to  Wells Fargo asking them to provided documentation of my debt and account with my original signature. They have not provided this information but have a account reporting on my credit report monthly that is not mines. It 's been over 45 days and no verification. I would like this Wells Fargo account removed from all 3 Credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I recently received a lending rejecting letter. I was rejected lending from a lender based my Sagestream credit score. " Sagestream '' is consistently reporting inaccurate scores compared to the big three credit bureaus. The letter states my score with XXXX at XXXX while Sagestream reports my score at a XXXX. 
This practice is fraudulent and should be investigated. 

Thank you XXXX XXXX
Product: Mortgage

I called and tried to pay and they refuse to take my payment because it is a partial payment. I want to pay them it says on my statement that any amount received less than the full amount will be applied into a suspense account until the full payment is made but they will not let me do this
Product: Debt collection

On XX/XX/XXXX, I contacted Bank of America regarding an unpaid Secured Credit Card that is on my credit report XXXX. The account is listed on pages 6 of XXXX  : Bank of America # XXXX Date Opened : XX/XX/XXXX, with a credit limit of {$300.00}. The date closed XX/XX/XXXX. This account was last reported to the credit bureau on XX/XX/XXXX. 

I spoke with a Bank of America representative and they were unable to locate such an account and have informed me that they report delinquent accounts to the credit bureau once a month. As is shown on my credit report, there has been no report by Bank of America in two years to the credit bureau on this account. 

As such, I would like this information to be expunged from all three credit agencies ASAP.
Product: Vehicle loan or lease

XXXX  of    2016  to prese nt. Wells Fargo has be en having trouble with having posting payments in a timely manner. Shipping billing statements to address that we have n't used for well over a year and a half. In so doing they proceed to want to charge me late charges. I have talked to customers service representatives and they assure me that the problem will be ractified. To this date it has not, if anything it is getting worse.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opened the account XX/XX/XXXX. On XX/XX/XXXX I paid XXXX to Comedity Bank/Victorias Secret . The payment was processed on XXXX XXXX. On XX/XX/XXXX I received a secure message stating my credit limit was being reduced to {$100.00} from {$200.00}. I called and asked why and she said because i was late on payments last year. I told her i havent been late and kept a low balance since XXXX.she agreed. On XX/XX/XXXX XXXX  reported they dropped my limited and reported i had a balance of {$44.00}. This dropped my score. Is this legal because im building my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}. 
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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX  XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and 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 under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXXXXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account.
Product: Checking or savings account

on XX/XX/ i deposited a check for XXXX and more money total of XXXX, the next day my acct was placed on hold. i called several times and went to the office branch no one was able to tell me anything but i have to wait. a week later i received letter date XX/XX/ my funds will be available on the XXXX business day but its still on hold.
Product: Student loan

In XXXX I got the loan from XXXX And I left school without finishing my XXXX XXXX XXXX 
The loan was misapplied. 

I have been paying the loan on and off and taking forebearence when I had hardship From XXXX to XXXX I paid but was never given an itemized statement to show how much I paid. 
In XXXX I was officially XXXX. To date. 
My benefits analysis reads XXXX officially disable Next review date after 7 years XX/XX/XXXX Nelnet takes over the loan and never transferred the balance. 
Never treated me fairly and always claims never received my benefits analysis Used tax loophole in XXXX and had to file spousal Injury On XX/XX/XXXX called US department of education. XXXX XXXX XXXX XXXX Spoke to a lady by XXXX and mentioned my account does not e its and has been closed since XXXX So then my social security money has been deducted for three months No itemized zed balance and records Filed in jury spouse my husband and child credit was refunded. 

XXXX Now has got national credit using robo calls on weekends I have sent a debt validation letter to XXXX XXXX XXXX and department of education No reply from both Best wishes XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I have an account with Nissan Motor A which I have never been late until this month, the reason I am the co-signer of a leased car, the owner has been injured also this company never called mentioning that a payment didnt go trough on the correct date therefore, the owner made the payment online and never wen trough but on the web page say it did, so they never reported that the payment didnt go  trough never received calls until this Saturday the XXXX which was already 30 days late and got reported to the credit bureau and got damaged, so on Saturday since they finally called i made the payment and And told me to call Monday to get removed the report that it shouldnt be an issue since I paid on Saturday but got no luck they told me they wont do it cause its not their faul when it is
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is admitted to being paid in full by collection agency but remains on all 3 of my credit reports.
Product: Credit card

I overpaid my Chase XXXX XXXX Credit Card by {$2000.00}. ( I thought the charge was on my Chase card, it was on my AMex so I just paid the wrong bill.

After an additional charge I had a balance credit of {$1900.00}. 
This was on XX/XX/year>. I realized my mistake XXXX days later and called Chase. They said good news, because you called within 10 days of the payment we can return it to you through your checking account in XXXX days. 
After XXXX business days, no money was returned. I called back. They said, oh no, it will take 10 days. 
After an additional 10 days and no money, I called back. They said " we messed up trying to return it to your bank, now we can't refund it. '' So I requested a check, at first they told me they couldn't, and I escalated the call. I was told sometime around XX/XX/XXXX that a check would be mailed. ( Probably called 6 times ) A check was never received. Finally XX/XX/XXXX I was in the secure messages with them and they told me that a check was sent. I never received a check. So on XX/XX/XXXX they told me a check was sent out on XX/XX/XXXX. On XX/XX/XXXX I told them I didn't believe them because I still never had a check. Finally, XX/XX/XXXX I have a check and it's dated XX/XX/XXXX. 
Chase knowingly held my money from me. They refused to return it. They probably earned interest on it. They also lied to me. 
I received a XXXX letter with the check within 2 days since it was dated. This is pure fraud and simply evil. I want them investigated. I have the secure messages. They MY OWN MONEY from me for XXXX weeks.
Product: Vehicle loan or lease

We have called the Kia Leasing Department several times to request this form and we have been very specific that it needs to have the DO NOT MAIL water mark on the form. The Illinois Secretary of State requires this water mark as proof that sales taxes have been paid so the car can be retitled in our name and that we can properly register and plate the car. We purchased this car on XX/XX/XXXX and as of XX/XX/XXXX we have not received the appropriate form in spite of numerous requests on our part. As a result, we can not retitle the car and can not update registration and get new plates. No one from KIA seems to know how to resolve this and every time we call we have to start from square one and deal with a different person. We have spent hours on hold, have been hung up on, lied to and we have escalated to supervisors on 3 separate occasions without resolution. Since KIA has leased and sold cars in Illinois for as long as I can remember, I find it unbelievable that they do not have a documented process that they follow. It should not be on the consumer to follow up to get the proper documentation. We met our contractual agreement to lease and purchase the car and we expect the same from KIA. A buyout at the end of a lease should be a core business process and the level of incompetence and apathy we have experienced is stunning.