23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Chase Bank due to their failure to properly address and resolve a payment dispute on my account. This dispute arose from inaccurate reporting and improper handling of a payment issue, which I first raised on XX/XX/year>. I am requesting immediate intervention and the resolution of this matter, as well as punitive and statutory damages as outlined in the violations below. 

On XX/XX/year>, I sent a formal letter to Chase Bank disputing inaccurate payment reporting and requesting that they resolve the issue under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I informed them of their obligation to accurately report payments and correct any discrepancies in line with these statutes. 

On XX/XX/year>, I received a response from Chase Bank that failed to provide an adequate resolution to the dispute. The response did not properly address the payment discrepancies, and instead, they provided an incomplete or unsatisfactory explanation that failed to comply with the requirements of the FCRA and FDCPA. 

Violation of the Fair Credit Reporting Act ( FCRA ) : -15 U.S.C. 1681e ( b ) Failure to ensure accurate reporting of consumer information.

-15 U.S.C. 1681s-2 ( a ) Failure of Chase Bank to investigate and correct inaccuracies related to payment reporting.

-15 U.S.C. 1681i Failure to properly investigate and resolve the dispute within the required 30-day period.

Violation of the Fair Debt Collection Practices Act ( FDCPA ) : -15 U.S.C. 1692e Engaging in false or misleading representations regarding the debt.

-15 U.S.C. 1692g Failure to provide proper validation of the debt and respond adequately to disputes.

Violation of the Truth in Lending Act ( TILA ) : -15 U.S.C. 1601 et seq. Failure to provide accurate information regarding the account terms, including payments made.

Violation of United States Code Title 18 Part 1 Chapter 63 1341 ( Mail Fraud ) : -Misleading communication regarding the status of my account, which could be construed as fraudulent under federal law.
Product: Credit card

Examine the attached documents ; I urge the bureau to initiate an inquiry into these accounts. Despite my timely payments, they erroneously report me as late.
Product: Credit reporting or other personal consumer reports

I WILL ATTACH MY CONSUMER REPORT FOR XXXX XXXX THAT'S NOT BEING REPORTED ACCURATELY -- XXXX IS REPORTING LATENESS FOR XXXX, XXXX & XX/XX/2022 WHILE EQUIFAX IS REPORTING PAID STATUS -- THIS IS NOT 100 ACCURATE REPORING -- ALSO PER 12 CFR 1026.13 THIS IS A BILLING ERROR & LATENESS ARE NOT SUPPOSED TO BE REPORTING ON A OPEN ENDED PLAN SUCH AS THIS ACCOUNT PER 15 U.S. Code 1637 - Open end consumer credit plans... 

AGAIN, THIS ACCOUNT IS NOT BEING REPORTED ACCURATELY AS PER 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

I contacted Acima on XX/XX/2023 to pay off a total amount debt that was owed to the company. We settled on a particular figure, I paid that amount, at that moment using my debit card and they accepted the pay off terms. 
XX/XX/2023 I contacted Acima again asking that this be reported to the credit agencies because it was still showing as an ; Active, Open and Collections account W/a balance on the credit reports. I was told my their call center representative that he initiated the reporting to the credit agencies. 
XXXX, XXXX XXXX  I once again am notified by my credit monitoring company that the account is still showing as active, open and with a balance. 
Same day I contacted Acima and ended up speaking with XXXX ( the XXXX ) who basically told me that they don't have to report it, if I wanted something done to submit it in writing and they had 30-45 days to report it. I reminded him that this debt was paid in XXXX of this year and he told me that this is what will happen, no one is there to take my call or assist. I asked him to please resubmit the information to the credit agencies and he refused. I am going on 5 months now with this effecting my credit rating.
Product: Mortgage

Monday XX/XX/XXXX STILL ON HOLD since XXXX its now XXXX my first answered call from XXXX  she was going to transfer me to ACCT rep XXXX and I repeated a number of time you transfer me you stay on the line till some one answers- She Transfered me and the line broke off THIS HAPPENS A LOT so back on the phone for a 93 minute WAIT WHAT WRONG my STATMENTS each a every month= for the last 6 month XXXX has finally sent me in my payment review for all of 2020= and it shows the LATE PAYMENT OF {$150.00} now this STATMENT AGAIN IS another {$150.00} in late fees IF I PAY THE LAST three month in late payment ( EACH of {$3500.00} ) that is {$10000.00} plus 4 late fees {$610.00} -- PAST DUE FEE of {$950.00} - total ( {$12000.00} ) THAT STILL IS NOT MATCHING WHAT THE STATMENT SAYS {$20000.00} and that I what I need for some to pay attention to '' '' '' '' and CALL ME by a MANAGER of GREGORY FUNDING THAT UNDERSTANS MY ACCOUNT ALL I GET FROM THE REPS ON THE PHONE IS DO NOT PAY ATTENTION TO TH STATEMENT JUS PAY WHAT YOU ARE SUPOSTE TO {$2400.00} and everything will be all right -- - NO SUCH LUCK -- GREGORY FUNDING at the end of this work out program is going to STICK ME with all the late fees and interest and a whopping $ XXXX bill to get current I want a written statement from GREGORY FUNDING ITS NOW XXXX still on HOLD AT GREGORY FUNDING-
Product: Credit reporting or other personal consumer reports

The XXXX credit bureau is reporting a fraud account on my credit report from XXXX XXXX. I have disputed this account several times with the credit bureau. However, they have not responded back to me. I reported that this is a fraud account that is showing as a charge off on my credit report in the amount of {$17000.00}.
Product: Credit reporting or other personal consumer reports

Received a call from someone pretending to be from my credit card company stating that someone in XXXX  was trying to open an account under my name and social security number. I stated that I did not authorize this. The person then stated that he was going to connect me to a representative from the CFPB who then got on the line and had all of my personal banking and credit card information. I did not give either of these people my credit card number or social security number. The supposed rep from the CFPB stated that the bank is fraudulently charging me higher interest than is allowed under the current laws and that the lawyers from the CFPB would negotiate the loan amount so that I would only owe half the amount of the loan. He stated that I would receive email notifications each time I made a credit card purchase. At this point I ended the call. The supposed caller said his name is XXXX XXXX at XXXX and that he is a senior XXXX XXXX at CFPB. I dont believe a word he said but Im very concerned because he was reading off all my credit card balances and loan balance. I contacted the credit card company and they had no requests for credit that were either approved or denied.
Product: Debt collection

I received notification that a Debt for the amount of : {$140.00} on XXXX XXXX, 2016 was place don my XXXX Credit Report and am not sure if there are others from this company. They have not provided any pre-collection attempts or notified me via postal mail, or a phone call. They have the wrong person. Ruining my credit. Needs to be removed ASAP! and A LETTER TO ANY CRA 'S REPORTED TO, TO have it removed. 

I need this removed ASAP! 

Alert Date XXXX/XXXX/2016 Source XXXX Company STELLAR RECOVERY INC Payment Status Collections Status Date XXXX/XXXX/2016 Balance {$140.00} Balance Date N/A Address XXXX XXXX XXXX XXXX, MT XXXX Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has not responded to my request for investigation about inaccurate and invalid reporting to my consumer report
Product: Debt collection

Collector name : ARS Account Resolution Collection amount : {$84.00} This medical collection is reporting to my credit report. I would like to have it removed. I sent a dispute letter to XXXX  credit Bureau to verify and no response. I sent dispute letter on XX/XX/2021 and havent received anything back from creditor or XXXX  credit bureau.
Product: Checking or savings account

The complaint is with Wells Fargo located at XXXX XXXX XXXX XXXX VA XXXX. My contact there is : XXXX XXXX. Her phone number is XXXX On XX/XX/XXXX, I wrote a check to the XXXX XXXX XXXX for sailing lessons for which they did not deliver. On XX/XX/XXXX, I went to the bank on XXXX XXXX and ordered a Stop Payment on that check. The person who issued the Stop Payment was XXXX XXXX. I have the original copy. On XX/XX/XXXX, the check was processed through my checking account. On XX/XX/XXXX, I went to the bank and filed fraud charges and gave them contact information as to who actually cashed the check. On XX/XX/XXXX, I received a letter from the XXXX XXXX XXXX XXXX XXXX that the issue needs to be resolved directly between myself and Payee. On XX/XX/XXXX, I received another letter from XXXX XXXX stating they would not honor my request for reimbursement. They recommended that I follow up with the Payees. I am attaching the letter of XX/XX/XXXX for your review. 

I am requesting that the {XXXX} be placed in my checking account. I believe Wells Fargo has been dishonest and unethical. I have been a long standing customer with them and expect better customer service. 

Thank you for your consideration. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Acct # XXXX opened XX/XX/2021, has violated my rights. 15 U.S.C 1681 section 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : 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 Balance : {$27000.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit reporting or other personal consumer reports

HELLO, I AM EMAILING BECAUSE I WOKE UP TO AN ALERT THAT MY CREDIT SCORE DROPPED BY XXXX POINTS DUE TO XXXX XXXX  FLAGGING MY ACCOUNT AS 30 DAYS PAST DUE. I AM CURRENTLY PENDING APPROVAL OF MY MORTAGE ASSISTANCE APPLICATION. I WAS TOLD IN MY CALLS CALL WITH XXXX WHILE MY APPLICATION IS UNDER REVIEW I WILL NOT SEE ANY CHANGES TO MY CREDIT REPORT. PLEASE ADVISE WHY YOU ALL REPORTED MY ACCOUNT DELIQUENT WHEN I AM STILL PENDING THE RESULTS OF A MORTAGE ASSISTANCE APPLICATION. 

ALSO THERE IS NO FAQ OR ANY AGREEMENT WITHIN THE MORTAGE ASSISTANCE APPLICATION THAT I UNDERSTAND THAT MY ACCOUNT WOULD BE REPORTED AS DELIQUENT IF I FAIL TO MAKE MY PAYMENTS WHILE UNDER THIS REVIEW. 

PLEASE SEE THE ATTACHED APPLICATION WHICH IS CURRENTLY UNDER REVIEW. AGAIN THE APPLICATION DOES NOT SAY I UNDERSTAND AND AGREE THAT MY ACCOUNT WILL BE REPORTED DELIQUENT TO THE CREDIT BUREAUS. OTHERWISE, WHAT IS THE POINT OF THIS APPLICATION?! 

PLEASE ADVISE,
Product: Credit reporting or other personal consumer reports

Here is a list of the unauthorized inquiries : XXXX. XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX XXXX Here are some of the derogatory items on my credit XXXX. XXXX XXXX XXXX Was 120 days late XXXX time ( XXXX ). 
XXXX. XXXX XXXX XXXX, collection account, placed for collection
Product: Credit reporting, credit repair services, or other personal consumer reports

" Jefferson Capital '' has re-aged a debt and after dispute removed from one credit reporting agency. The debt in question is illegally being reported the credit bureaus and " Jefferson Capital '' is repeatedly using illegal practices and intimidation against consumers. The XXXX  page for " Jefferson Capital '' is full of complaints about illegal practices from this debt collector. After a dispute of the debt one of the the bureaus removed the account, but Jefferson Capital has refused to remove the illegal report building the FDCPA and the FCRA.
Product: Money transfer, virtual currency, or money service

On XX/XX/19 someone had transferred me {$31.00} using XXXX. I received an email confirmation from my bank, Bank of America, stating that the funds were transferred to my account, however the funds were not available. I contacted my Bank and was told the funds must have been canceled on the other end and to have the other individual contact their Bank to see why it was canceled. 

I contacted the person who sent me the funds and they contacted their Bank, XXXX. XXXX informed the person that the funds have successfully transferred and is out of their hands. I then contacted Bank of America to check their system again for the transfer, and again, they told me they never received it and suggested the person who sent it to file a Reg E claims with their Bank.

The person filed a Reg E claims and re-sent me the funds for {$30.00} since they were provided a temporary credit for the funds. I successfully received that transfer. A couple of weeks later, the person was informed their Reg E claim was denied and the temporary funds were removed from their account. We both ended up contacting XXXX, and they informed us that they are only the transferring party and they do not handle situation such as this and referred us to resolve the issue with our Banks. 

It has been over 5 months and we have no idea where the funds is. Although this is not a massive amount of money and the loss minimal, I still believe the Banks or XXXX should be able to properly trace the transfer and find out what really happened. Nowadays, I use XXXX and other transferring service quite often and I would hate for this to happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit was pulled on  XXXX   XXXX   2015  I by  XXXX   XXXX   XXXX . I was already a customer and when I asked  XXXX  the  buy here pay here Manager, his response was he pulled it for locati on purposes.
Product: Student loan

MOHELA loan servicer will not return phone calls or emails. Wait times for the call center are in excess of XXXX to XXXX hours. Current payment amounts are incorrect company will not work to resolve incorrect payment amounts billing amount due is different on student aid website and MOHELA website, customer service is unable to resolve issue. MOHELA erroneously auto withdrew excess money from my checking account after auto debit with processed and XXXX. Bill was received only XXXX weeks before due date via backdated online inbox. Unprofessional practices and customer abuse. Unprofessional practices negatively effecting my financial and mental well being.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is paid and needs to be removed immediately.
Product: Debt collection

Was taken to court debt was satisfied through court. Barclays says there is a balance in the account there is not it has been payed. Barclays has all info about account being payed and satisfied but wo n't change credit info says I still have a balance on account. I have a notarized document from courthouse saying debt has been satisfied but Barclays wo n't change it.
Product: Credit reporting or other personal consumer reports

I would like this item investigated l. The inaccuracies are highly injurious to my credit score. 
Account XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of credit report after your investigation. Thank you.
Product: Debt collection

Contintental Finance Company claims I owe a total of XXXX. A charge in the amount of XXXX to XXXX on or around XXXX XXXX is in dispute, Continental Finance refuses to work out a resolution which does not require me to pay this charge for item not received. The merchant, XXXX, provided a response which contained false/inaccurate information such as shipping date, item ordered, shipping address as well as person signed for package. Their reply mentions an order placed in XXXX, a month BEFORE item ordered in XXXX. It was sent to a XXXX  XXXX in XXXX, NY, my name is XXXX XXXX and I live in Connecticut. A replacement XXXX watch was sent to this person, XXXX XXXX, my order is a XXXX XXXX watch. The package sent to myself arrived with watch missing from the watch box, XXXX is known to send empty watch boxes or defective items. I disputed this charge, however, I did not receive response from merchant in time to reply, according to regulation set by XXXX. I provided response detailing false/inaccurate information detailed above, it was too late to further dispute. The initial mailing was lost in the mail, disputes dept resent the information from merchant and I was told to go ahead and reply in re despite lateness. Once received, Continental Finance refused to do anything further. The remaining balance of this debt, XXXX stems from fraud charges as well as late and over limit fees, which I refuse to pay.
Product: Checking or savings account

On Friday, XX/XX/2020 I went to Capital One Bank located at XXXX XXXX XXXX XXXX, XXXX, LA XXXX. I wanted to do a deposit in store at the branch, however, they were temporarily closed that day. At XXXX XXXX  I decided to deposit a total of {$270.00} cash into the atm, which I do not like doing. The atm prompted me if I would like a receipt, I selected yes. After putting in my money ( which were less than 50 notes ) the machine spit out some bills it would not accept. I was expecting my deposit to show {$220.00} and a receipt to print. However it did not, and a message displayed, your funds have been retained. I immediately checked my checking account online to see if the deposit reflected, it did not. I proceeded to put my card again into the ATM to check my balance there, however it did not reflect also. Since the branch was closed, I decided to call the 1- 800 number on the back of my debit. I filed a claim and told him my concern and they said I would receive a provisional credit. It still has not displayed a credit nor have I received a call from Capital One. After 17 years of being a customer I find this ridiculous. All of their ATMs have a camera and should have a log of what each transaction and user has done. I should not have to wait and he shorted {$220.00} before XXXX!!! The customer service agents portray no empathy and lack of service. I will be closing my account as soon as this resolved if it ever will!
Product: Debt collection

I am not owing and can not pay {$1000.00} To advance financial that this debt collection agency is trying to collect after debt was sold to them. I do owe {$700.00} being Advance financial waived the interest, my original balance owing was {$1800.00}. I can pay {$25.00} a month until the {$700.00} is paid because I am not working and it is hard being a single parent just trying to get food, keep the water, heat and the lights on Please accept payment terms on {$700.00} owed amount. Attached is the last payment made to Advance financial before all XXXX broke loose called Covid-19. I am wanting the balance to be honored at {$700.00} and payment of {$25.00} a month to be accepted.
Product: Debt collection

I have mailed this company several times ( XXXX, XXXX, and XX/XX/2023 ) requesting that they send me a signed contract that I owe this debt. All they have sent is a copy of a collection bill they received from a company. At the time of this debt, I lived in a different state and had not authorized anyone to use my information to purchase anything. 
I also advised that it is illegal to report to the credit bureau collections as payment which they have done for the last XXXX years, which is showing that I have a negative payment history on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint about incorrect Foreclosure Starting ( FS ) and a Negative ( N ) mark on my XXXX   Credit Report for XX/XX/2020. 

This is reported By Specialized Loan Servicing XXXX SLS. net my previous mortgage company. 

In 2020 I was in forbearance from XX/XX/2020 - XX/XX/2020 On XX/XX/2020 I paid off SLS in full and the account was closed. This date is Prior to the end of the forbearance. 

Subsequently, after the account was closed, SLS started forclosure on the properts according to a marking on my credit report, dating XX/XX/2020 when the account was already closed and in good standing. 

I have contacted SLS and they said there was an error and there is no foreclosure, that the account is good and closed, and they would fix the problem. 

To no avail, XXXX  has been disputing the error as well and it keeps being bounced back with no correction to the negative mark on an account that has been closed. 

Sincerely XXXX XXXX XXXX
Product: Credit card

Tried to open an account with Capitol one with a XXXX SCORE OF XXXX out of XXXX was rejected despite advertising that I had been preapproved -/ this is a common scam. My XXXX  was immediately reduced to XXXX. Tho is a scam to get you to buy products to increase your score -/ they dont give you a reason.