23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am looking to move into a new apartment and I wanted to make sure that my credit score was ok. I noticed that it was very low and then went to Experian.com and paid for a credit report because when it went to get a free credit report, it said I had already requested XXXX for the year. I paid {$21.00} for said report and noticed that I had a tax lien on my report, which was an error. I contacted New York State, which is where this tax lien originated from and they investigated and sent me a vacate notice in the mail. I contacted Experian and told them I am disputing this item and they said this dispute will ( not maybe or can or might or may ) be resolved within XXXX days. I called them back and asked if there was a way to expedite said dispute processing and they said if I make a copy of the vacate notice and upload it to them, the dispute would be resolved within 5 business days. I did this on Saturday, albeit with difficulties. I am a XXXX on large mainframe and pc networks. I made a black and white scanned tiff file, as per their website requirements. Each time I went to upload this file, their website stated that the file was in color. After XXXX hours of trying ( because of timeouts on their website and having too many re-tries ), I converted the tiff file to a pdf. I was then able to upload the file.I called this morning, XXXX XXXX, 2015 to inquire if they had even received my file upload and the person who I spoke to said that they can not see if the file was uploaded or not because that is taken care of by another department. I explained my difficulty in uploading the file and I wanted to be sure that the pdf file I uploaded on Saturday was successful and I asked to speak to that department which takes care of the file upload process. I was informed that I can not speak to them with no reason given. I was also told that the dispute " may '' be expedited but there is no way of knowing. I told him that the person who I spoke to previously, on Friday, was pretty definitive that if I scanned this document and uploaded it, my dispute would be expedited. I then asked to speak to a supervisor and was placed on hold. After the hold, I was told that the supervisor would not speak to me but if I provide a phone number, she may call me back. At this time, I ended the call. After looking at my bank statement I noticed I had been charged {$39.00} for Experian.com services. I remember that I clicked on a button which stated, click here if you want your credit score from other credit bureaus and I did. At no time was there an indication that I would be charged for this.
Product: Credit card

XXXX XXXX XXXX Account : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Subject : Dispute of Inaccurate Information Dear, XXXX XXXX XXXX XXXX XXXX  I am writing to formally dispute certain information in my credit report. I have reviewed my report and found that there are accounts listed for which I do not have any information or knowledge. This is a request for you to investigate these accounts further, as I believe they may be inaccurate. 

According to the Fair Credit Reporting Act, I understand that I am entitled to request an investigation into any information that I believe is incorrect. I would appreciate it if you could conduct this investigation within 15 days of receiving this letter. 

If you are unable to verify the accuracy of the disputed information, I request that you remove it from my credit report immediately. 

Please find enclosed copies of any relevant documents that support my dispute. I look forward to your prompt response to this matter. 

Thank you for your attention to this issue. 

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

In accordance with fair credit reporting act XXXX  15 USC 1681 section 602 A states I have the right to privacy.15 USC 1681 604 A section 2 It also states a reporting agency can not furnish a account without my written instructions. 

Accounts 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nj XXXX XXXX : XX/XX/1998 SSN:XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 


* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX XXXX
Product: Prepaid card

I contacted Bank of America several times about a fraudulent bank transfer. The first time they marked my claim as user error, but I called about a fraudulent transaction. They should have been able to suspend the transaction as it was before business hours on a Monday morning. After they sent the first letter denying my claim stating I input the information wrong I had to call back because the claim should have been filed as Fraud. Ive had to go back and forth with them several times and I have repeatedly requested back up documentation showing that the money was transferred to my account, which they have yet to provide. They are not completing any type of real investigation and none of the supervisors have access to phones for me to discuss this with. I find that incredibly hard to believe that a manager/supervisor works with no communication to the team. Each time they " respond and resolve '' it is the same thing. A SINGLE page that says " You authorized this '' They are doing absolutely no investigating. I am trying to look into who I can contact to investigate Bank of America for their fraudulent practices. They are nothing but a bunch of Crooked people who steal from people who relied on their XXXX payments while they were off work. It is apparent as to why EDD switched to another Vendor. I wonder how many other people have had their XXXX benefits stolen from them by Bank of America. They sent the same thing they have been sending for the last year. They refuse to take responsibility for mishandling the claim. I did not authorize, approve, ask, send, talk with anyone at all about doing a transfer of {$1100.00}. The MINUTE I saw the email that my routing information changed I got on the phone with Bank of America. Now they messed up how they handled my initial complaint. They said it was user Error, but it was FRAUD. I never gave anyone authorization, I did not and DO NOT approve the transfer. Someone whom I have NO idea who they are transferred my XXXX money and Bank of America aided them in the transfer. I really need to know next steps of who I need to contact to have Bank of America held responsible for this cyber theft. I will be re-issuing this complaint and will continue to do so until Bank of America returns my stolen money. I need to know who I contact to press charges against Bank of America. They need to be held accountable for their cyber theft and aiding criminals. 

Apparently this is a repeat of what happened during Covid with the Federal Funds that were being sent to people who were laid off due to Shelter in Place. Sounds like this is common practice for Bank of America. I am glad EDD finally switched Banking institutions, they must have had several complaints like mine where B of A stole their money by allowing people to access the funds without gaining confirmation that they were the actual benificiary.
Product: Credit card

I made a {$350.00} purchase online XX/XX/23 at XXXX advertised as 12 mos. no interest. I was confused about the contract language and wound up contacting Synchrony about how the payments would be applied. I was not satisfied with that arrangement and received instructions from them via chat about how to make additional payment and have that additional payment reallocated to pay off that deferred interest contract. I followed their instructions on XX/XX/23. 10 days later, I received a letter denying the request. I chatted with them again XX/XX/23, and they promised again to reallocate the payment. They've failed to reallocate the payment by the promised time, yesterday, XX/XX/23.
Product: Credit card

Purchased an item on Amazon Order Was Placed on XX/XX/2024 Amazon Order Number ; XXXX Price ; {$930.00} Item Was not as Described, when it Arrived, Package already opened Item Returned to Amazon Via XXXX Pick-Ups tracking Code ; XXXX Return was Delivered to Amazon on XX/XX/XXXX from XXXX  Amazon Has received the return, and refuses to Refund the purchase Contacted Chase to dispute the Purchase, as Amazon was refusing to Provide the refund. 
Chase contacted Amazon, but then refuses to continue further with the dispute removing the credit for the product that was given during the dispute process. 
Chase states that the merchant, Amazon should be liable for the Product, but refuses to Assist me further and closes the dispute process.
Product: Credit card or prepaid card

Synchrony for Sams Club master card ending in XXXX. 

I been getting statements sent to my email ( XXXX ) about an account I never opened or utilized. 

This is a Walmart credit card. I dont even shop in Walmart . 

XXXX/XXXX/XXXX XXXX ending in XXXX statement balance {$340.00}. 

XXXX/XXXX/XXXX XXXX ending in XXXX statement balance {$0.00}. 

XXXX/XXXX/XXXX XXXX ending in XXXX statement balance {$50.00}. 

XXXX/XXXX/XXXX XXXX ending in XXXX statement balance {$0.00}. 

I never opened this card. Ive called Synchrony Bank about having my email removed from their database because I do not own a Sams Club or Walmart credit card. 

Customer service told me that theyll remove my email address but they never did. 

Sams Club Mastercard account is a fraudulent account. It should be investigated immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries that were done without my consent
Product: Credit reporting or other personal consumer reports

I am submitting this letter to formally dispute inaccuracies reported on my credit file by theses institutions. Below is a summary of the accounts and discrepancies identified, including the date and credit bureau to which the information was reported I was a victim of identity theft and have also made a report on XXXX also. 

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

I have over 20+ hard inquiries on my report. There is only one or two that are valid. 
I would like all the fraudulent ones closed and permanently removed from my credit reports and reflecting NO negative inquiries. Many show up as duplicates. XXXXXXXX XXXX XXXX should be removed, several for Synchrony Bank ( PayPal, Amazon ) I think are the ones also on there. Neither of which I applied for. XXXX XXXX XXXX XXXX was applied for ONE time. It shows as I want to say three times. According to XXXX XXXX I only have 8 hard inquiries, but even that is inaccurate. Other places say 20+ which is definitely not right. The 8 on XXXX XXXX that I see : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that one is fine, there is one for SYNCB/Paypal  ( XX/XX/XXXX ) Synchrony Financial  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ) that one is fine, SYNCB ( Amazon ) XXXX XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) and finally XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ) all of those minus the few I mentioned are fraudulent and not made by me.
Product: Credit card or prepaid card

I was sent a Chase ( Sapphire ) credit card without applying for it or requesting it. When I opened my Chase App on my phone ( I have a Chase Amazon credit card ) I saw a second account for The Sapphire credit card and a {$95.00} annual fee. 

I messaged them immediately to remove the fee and close the account as I did not authorize it. They closed the account but the fee still shows on the card. They said it would be 1 to 2 billing cycles before it dropped off. 

I wanted to report this unauthorized practice and request that the company be penalized for it. It caused me anxiety and cost me time I dont have to deal with this nonsense.
Product: Student loan

In XX/XX/XXXX I called Edfinancial who is my federal studnet loan servicer to request a refund for my payments made durng XX/XX/XXXX. I knew that because of the CARES ACT that i was entitled to a refund. They intially denied my request since I had recenlty paid down the loan. Then a few days later I called again telling the supervisor about the CARES ACT and they still denied me even though that was against the law. On XX/XX/XXXX and XX/XX/XXXX I called my student loan servicer Edinancial to request a refund for my student loan for the third and fourth time and they approved my request but they said it would take up to120 or150 business days to maybe receive my refund. My complaint is that they refused to refund my money back in XXXX of XXXX and they said it would take over 150 busiess days to receive my refund instead of 6 weeks like they did in the past. I found out that I qualify of the XXXX loan forgivness and if they keep me waiting for the 150 buisness days that would put me into XXXX making me miss the opportunity to have some of my student debt forgiven. The amounts I paid in XXXX are {$6000.00} on XX/XX/XXXX, {$1400.00} on XX/XX/XXXX, {$1400.00} on XX/XX/XXXX, and {$6400.00} XX/XX/XXXX. They refused to refund me these amounts in XX/XX/XXXX and now they say it will take over 150 business days forcing me to miss the student loan forigiveness deadline.
Product: Mortgage

We are in the process of completing a Short Sale applicationon our home as a necessity as my employer is relocating. Having followed all stages of the Short sale process and securing an offer with terms dictated by our OCWEN relationship manager, who assured us they would be approved, we now have an offer. Once the offer was submitted to OCWEN, our realtor was informed that the property would have to be listed on XXXX as a condition of approval. 
At no time were we informed verbally or in writing that this would be a condition of the approval. Due to the relocation aspect of this case, any involvement of a third party ( XXXX ) in the transaction would be in conflict with contracts we have outstanding with my employer and relocation company. It would also result in the existing, complete offer being retracted and leave us with no offer. We are in the process of contacting the ombudsman, to request support in our case to have the files returned to OCWEN but they are currently with a Third party without authorization from ourselves. Proceeding in the require process, of which we have never been informed, would result in jeopardizing both the offer sitting and the terms of my employment status.
Product: Debt collection

This phone bill was not mine and the company Jefferson Capital that took over can not provide proof its mine
Product: Vehicle loan or lease

On XX/XX/XXXX at XXXX XXXX I contacted westlake financial about my late payment on my car loan. I had circumstances that made it impossible for me to make this payment on time. I explained what this was and Told them I could make the payment on the XXXX, which would be 24 days late as it was due on the XXXX. They agreed to this and set up a payment for the XXXX the XXXX I was contacted by the dealership I bought the car from saying that the bank defaulted on my loan and they were repoing my car. My car was returned that day. on the XXXX XXXX XXXX processed the Payment!!!. So I got ahold of them and they did nothing to resolve this. 
It is evil what they did to me. That XXXX XXXX was all the money I had in the world. And the truck I bought with my livelihood and they took them both. After professing that they understood my circumstances and set a date for me to make it right so that I didn ; t lose either. Isn't a verbal agreement binding in a case like this? I lost my job because I couldn't make it to work after this happened.This was wrong. So unethical. And terrible business.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 ) ; and XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2019 and XX/XX/2019. 

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 an account without my written instructions.

15 U.S.C 1681 c, ( 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

My identity was stolen by a close relative who I believe was my XXXX XXXX Any of these companies has yet to provide some valid proof of my opening them. I have received statements from the fraudulent accounts claiming to be the validation which proves nothing. Thanks for any help in resolving this.
Product: Credit reporting or other personal consumer reports

I am writing to lodge a complaint against my student loan servicer, Navient, as well as the three major credit bureaus : XXXX, XXXX, and XXXX. In XX/XX/2023, my credit report reflected a 90-day late payment on my student loan account. However, I certify this reporting to be in error, as I should have been in federal deferment under the provisions of the CARES Act. I seek your assistance in rectifying this issue and ensuring that such discrepancies are addressed promptly to protect consumers like myself. 

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

I filed a dispute on XX/XX/2022 with XXXX XXXX and XXXX, Transunion, and XXXX. However, the credit bureaus said the completed investigation and everything was 100 % accurate. 

According to the law 15 USC 1681a-Definitions : rules of construction The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they talke to? 

How did they complete this investigation? 

How and who they verified this information with? 

I also had this bankruptcy removed from my XXXX XXXX file and have attached the letter stating so. I also submitted this with my previous complaint and XXXX is stating " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' This tells me that they did not investigate and the fact that I sent them a letter stating that it was removed and you are still reporting as accurate tells me they are blatantly breaking the law and violating my rights. My report is not 100 % accurate and they are reporting inaccurate information on my report. I have tried to have this corrected with them multiple times and I don't feel they have any integrity and the other agencies have not even sent me a response and it has been well over 30 days for all three. 


I have also received a letter from
Product: Consumer Loan

On XXXX XXXX of XXXX, my business partner and I purchased a XXXX XXXX XXXX XXXX from a person representing himself as the rightful owner. The vehicle was accompanied with a Clear, Lien Free title which we were able to verify with the state of XXXX in which the vehicle was title. We sent the title off to our agent in XXXX where we operate a business. A week later, our agent in XXXX notified us that the vehicle had been reported as stolen. How can this be if we have possession of the vehicle with a lien free title? After investigating this matter further, we discovered the previous owner, now referred to as Gentlemen 1, had a loan balance with CHASE BANK exceeding {$37000.00}. Gentlemen 2 offers to purchase the XXXX XXXX XXXX from Gentlemen 1 and submits payment to Gentlemen 1 in the form of a check, what type of check we do not know. Gentlemen 1 then sends check to CHASE BANK to pay off his auto loan. 

CHASE BANK chooses to release the lien from the title, without placing a hold on the check. They did not allow it time to clear, as they 're company policy requires. The premature lien release from CHASE BANK allowed the second gentlemen to gain possession of the vehicle along with a clear title after apparently writing a bad check for the XXXX XXXX XXXX. The premature lien release from CHASE BANK allows the second gentlemen to resell the vehicle to my business partner and I without reason for suspicion. CHASE BANK is claiming no responsibility for the matter, in fact the customer service person in their fraud department I spoke to stated, " it is our policy to release a lien on a vehicle immediately once we receive a check for the loan amount. '' Regulation CC of the Electronic Code of Federal Regulations allows banks to place holds on checks to prevent this fraudulent activity from happening. Under subpart C of the E-CFR, section 229.38, CHASE BANK is liable for any losses incurred.