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

On XX/XX/XXXX, I paid {$3800.00} to my Chase Business Ink credit card to satisfy my statement balance, in addition to the outstanding charges to my account. The transaction was posted to my bank account on XX/XX/2022. Despite this, Chase refuses to apply the payment to my account until XX/XX/2022, almost a week after my payment was made and posted. 

I called Chase 's customer service number on XX/XX/2022 at XXXX PM EST and was informed by a customer service rep that I would be able to speak with the Payment department when it opened at 7 AM EST to get this issue resolved and have my payment applied promptly. When I called on the morning of XX/XX/2022, I encountered several rude customer service agents who gave me conflicting information. At one point, I was told that I have done nothing wrong but it is just an internal Chase policy to hold on to the funds for several days when an account is new. While I completely understand the need to verify the source of funds, Chase has been unreasonable in trying to resolve this issue. 

My Chase business account has been opened for the past three months and I have two bank accounts and a personal credit card with Chase, that have all been in good standing. I have never paid late and I have excellent credit. I have have spoken to my bank where the payment was posted and they offered to provide verification to Chase. However, Chase refuses to accept any form of verification from my bank that would expedite this process. 

I have been on hold for the past 40 minutes trying to speak to a supervisor and it appears no one will answer. 

As it stands, I have pending transactions that are about to be posted to my account and potentially declined because I do not have full access to my credit line. Chase has removed the money from my account for days at this point and refuses to give me access to it. 

Additionally, since this is a new account, there was an opening bonus offer. Chase has repeatedly done everything in its power to limit my use of this card, which I believe is directly related to preventing me from earning my new account bonus. In effect, if I can not charge anything to the card, then I can not meet the minimum spend in order to get this bonus. This is deceptive and fraudulent on Chase 's part.
Product: Checking or savings account

I recently lost my job and attempted to place a hold or cancel any monthly subscription services which auto debit from my account. Unfortunately I missed some and my account dipped onto the low side. 
XX/XX/XXXX Account was negative XXXX AFT attempt from XXXX for {$1.00}. USAA declined the transaction and assessed {$29.00} NSF fee XX/XX/XXXX XXXX attempted the AFT again, declined {$29.00} NSF assessed. 
XX/XX/XXXX XXXX attempts AFT, declined NSF fee assessed. 
XX/XX/XXXX XXXX  attempts again, declined {$29.00} fee assessed. 
XX/XX/XXXX XXXX makes another attempt, declined {$29.00} fee assessed. ' Balance XX/XX/XXXX is - {$80.00} XX/XX/XXXX XXXX  finance attempts AFT, declined {$29.00} fee assessed. 
XXXX XXXX is only company that attempts to withdraw. XXXX makes 7 attempts between that time frame and all 7 are declined with {$29.00} NSF fee totaling {$200.00} in fees. 

XX/XX/XXXX XXXX  makes another attempt, declined NSF fee assessed. 
XX/XX/XXXX XXXX attempts AFT, declined, NSF assessed XXXX XXXX makes an additional 4 attempts all declined and additional {$110.00} in NSF fees against the account. 
XX/XX/XXXX XXXX attempts again, declined, NSF fee assessed. 
XX/XX/XXXX XXXX attempts AFT, declined, NSF assessed. 

This continues through present and my account is now - {$790.00} all in NSF fees. Not one bill was paid, and these fees are resulting from each company making multiple attempts to clear payments. 

Until I am working again, hopefully soon, I have no funds to get this account even close to a XXXX   balance. By the time I am able to fix this, I may owe close to {$2000.00} in NSF fees for a total of 7 individual transactions that made repeated attempts on my account. 

I can't understand how this could be on the up and up. As a matter of fact, I have been involved in at least two class-action lawsuits in the past involving XXXX and XXXX for similar issues being shady with overdraft fees and how they chose to apply those fees. 

If this seems off to you as well and you believe you can assist me in getting this under control, I want to thank you in advance. 

If all the fees from USAA appear legit and I'm just in an unfortunate situation, please let me know and I'll stand down and accept that I singed up with a bad bank.
Product: Credit reporting or other personal consumer reports

There are multiple discrepancies on all 3 of my credit reports. I had my identity stolen in XXXX and there have been bank accounts opened in my name, fraudulent checks ordered, and likely more.
Product: Credit reporting or other personal consumer reports

I was shocked to see unauthorized inquiries appear on my credit report today for no apparent reason. While reviewing my credit report as I normally do, I discovered discrepancies that I could not explain. Hoping it was a browser glitch, I refreshed the page, but the inquiries were still there. This has caused me immense frustration, and I am urgently asking for the documents I provided to be reviewed carefully to resolve this once and for all.
Product: Vehicle loan or lease

Balance has been charged off FCRA 604 Permissible Purpose FCRA 609 Disclosures to consumers
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information. 
Please delete the following accounts. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX 4 hard inquiries were made without my authorization by XXXX of XXXX in XXXX, TX. When speaking with the business, sales manager XXXX told me the only thing he could do is apologize. I tried calling each of those companies listed above and there is no option to speak to a representative to dispute these hard inquiries and the option to do it over the phone through an automated system does not work. I have reported the business with XXXX. I want these hard inquiries removed from all of my credit reports since they were made without my authorization. I plan on taking legal action against the business.
Product: Debt collection

I never received any collection notice for these two supposed collections from LVNV funding. I paid off my debt with XXXX so I'm not sure how this collection came to be.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt collection account : Account Name : Ability Recovery Services Account Number : XXXX Original Merchant Balance Amount : unknown Collection Balance : {$8800.00} Original Merchant Name : XXXX XXXX  Being reported to XXXX and XXXX XXXX has been disputed due to inaccuracy in XXXX, XXXX, and XXXX of 2022, via certified mail with return signature receipt ; and the most recent letter sent out around XX/XX/2022. Each letter included specific instructions and request for the account to be accurately verified and validated as pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ) by providing copies of original contracts and payment agreements with my signature, and a description of their investigation process to include the name and contact information of the person who was spoken to verify the information and the date of which that person was spoken to. My requests also included instructions for the disputed item to be removed from my credit report if such proof of validation could not be provided. Each of my requests were responded to with computer generated response that stated only that the negatively reporting accounted had be 'verified as accurate ', but no proof or validation of the debt has ever been provided per my instructions. 
Validation requests were also sent to the reporting collection agency, Ability Recovery Services and have been ignored with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

these claims are not mind someone used my information i never lived in ohio these are fraud claims there reporting to lexus nexus and needs to be removed CLAIM 2 Claim Date/Age : XXXX / XXXX / XXXX ( XXXX - XXXX ) CLUE File # : XXXX Company : XXXX XXXX I Claim # : XXXX Policy # : XXXX Policy Type : PERSONAL AUTO Policy Holder : XXXX, XXXX Vehicle Operator : XXXX, XXXX Date of Birth : XXXX / XXXX / XXXX SSN : XXXX Sex : XXXX  Address : XXXX XXXX XXXX, OHXXXX Drivers License # : XXXX Vehicle : XXXX XXXX XXXX VIN : XXXX Disposition : N/A PAYMENTS BY CLAIM TYPE Amount Type Status {$1200.00} BODILY INJURY CLOSED {$2900.00} COLLISION CLOSED NaN COMPREHENSIVE CLOSED {$970.00} PHYSICAL/PROPERTY DAMAGE CLOSED Additional Info : N/A CLAIM XXXX Claim Date/Age : XXXX / XXXX / XXXX ( XXXX - XXXX ) CLUE File # : XXXX Company : XXXX XXXX XXXX  Claim # : XXXX Policy # : XXXX Policy Type : PERSONAL AUTO Policy Holder : XXXX, XXXX Vehicle Operator : XXXX, XXXX Date of Birth : XXXX / XXXX / XXXX SSN : XXXX Sex : XXXX  Address : XXXX XXXX XXXX, OHXXXX Drivers License # : XXXX Vehicle : XXXX XXXX VIN : XXXX Disposition : N/A PAYMENTS BY CLAIM TYPE Amount Type Status NaN BODILY INJURY CLOSED {$13000.00} COLLISION CLOSED NaN PHYSICAL/PROPERTY DAMAGE CLOSED Additional Info : N/A CLAIM 4 Claim Date/Age : XXXX / XXXX / XXXX ( XXXX - XXXX ) CLUE File # : XXXX Company : XXXX XXXX XXXX Claim # : XXXX Policy # : XXXX Policy Type : PERSONAL AUTO Policy Holder : XXXX, XXXX Vehicle Operator : XXXX, XXXX Date of Birth : XXXX / XXXX / XXXX SSN : XXXX Sex : XXXX Address : XXXX XXXX XXXX, OHXXXX Drivers License # : XXXX Vehicle : XXXX XXXX VIN : XXXX Disposition : N/A PAYMENTS BY CLAIM TYPE Amount Type Status {$3800.00} COLLISION CLOSED Additional Info : N/A
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! 

The accounts I am talking about are : XXXX XXXX XXXX   XXXX XXXX  - XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX/XXXX XXXX Bankruptcy Chapter XXXX- discharged XXXX
Product: Debt collection

Repeatedly texted me and opted out when I never opted in. Told them Im disputing this debt and said not to contact me and received confirmation I was opted out. Then proceeded to have another agent text me and harass me. Even sent me a picture of private medical records without even verifying it was me. Even after again yelling at them via text and that I was reporting them to the CFPB thru continued to text me. 
I have not received any written communication so I can properly dispute this debt.
Product: Vehicle loan or lease

I reached out to FLAGSHIP CREDIT ACCEPTANCE LLC for a deferment due to financial hardship. I was laid off as of XX/XX/XXXX. I called in to customer service at XXXX XXXX  XXXX requesting a deferment for my XX/XX/XXXX payment on XX/XX/XXXX. I explained to FLAGSHIP I did not have a job yet and would like to have a deferment. The next day I had collections from Flagship calling me for payment. I explained to the gentleman that I applied for a deferment and check his notes. Flagship collections stated nothing in notes, so he took my information to submit my request for deferment. I was denied on XX/XX/XXXX ( supposedly ) and email was sent to email address listed on my account. Now, I tried opening document to see this denial letter. It takes me to unsecured website and ask me to login with year of vehicle/zip code. I enter the information and receive an error message : login failed please try again. I inputted my physical and mailing zip code, no copy of letter. I spoke with their customer service 3 other times between XX/XX/XXXX thru XXXX, XXXX. I was told my deferment was denied because I did not have a job. I advised them that I was offered/accepted a job and was due to start XX/XX/XXXX, sooner if my background check comes back quickly. I was denied again. I called back XX/XX/XXXX, just started my job early due to background coming quickly and would like to resubmit deferment. Flagship wouldn't let me saying it was already denied 3 other times. So, I stated I did not understand. I was first denied because I did not have a job and needed a job for approval. Then, when I called back to inform then of my job offer/ acceptance ; I was still denied. I told them that I will not be able to make a payment until XX/XX/XXXX. I'm really frustrated with them, I just wanted a month breather to give me time to catch up. I've made arrangements for my other bills. I record my conversations with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$3100.00} XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$4500.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX
Product: Debt collection

Lived in my house XXXX  years Once  the XXXX party servicing agencies got ahold of my inactive mortgage it has been a nightmare. Nationstar/Mr Copper sold me to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, I have never done business with none of these people but yet they want money. Who are they don't won't show any papers that I signed with them.I don't want papers that were from XXXX 2010. There is no outstanding loan showing anywhere that I owed money. I have a paper telling me the loan was paid in full with Nationstar name on it. I can not find anywhere that a loan was taken out from XXXX XXXX XXXX XXXX XXXX XXXX or XXXX. Put on XX/XX/XXXX Nationstar foreclosed on me and on XX/XX/XXXX they finalized my foreclosure and XXXX XXXX was involved in getting the money. This was all done illegall all these XXXX party lenders are crooks. I am still in my house and I will not move. When I know that this whole thing was a scam to collect money and to target the elderly. How many of these companies are legal to do business. 
I want my name back on my deed and land titles. And all these companies held respondable for there actions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Customer service would not help and take care of the fraudulent negative inquiries reporting to my credit report. 


XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : Hi, I am recent victim of identity theft. This item has already been removed before, according to the fcra, you are breaking the law by keep allow this account to report!. Please remove this fraudulent item for the final time because of identity theft. I have recently reviewed an extensive copy of my credit report included dark web alert ( XXXX ) with the intention of trying to improve my credit and take care of my responsibilities and noticed an account that I wanted a little more explanation on, XXXX XXXX XXXX XXXX XXXX, and it need 's to be deleted/removed from my credit report. PLEASE PERMANENTLY BLOCK & DELETE IMMEDIATELY! I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX XXXX XXXXXXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. FTC REPORT # : XXXX THE POLICE REPORT # : XXXX I DEMAND THIS ACCOUNT LISTED BELOW HAS TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. XXXX does not belong to me. Delete & BLock immediately! Collection Account : XXXX XXXX XXXX ( CREDIT CARD ACCOUNT ) Account Number : XXXX XXXX delete it from my credit report. Date Opened : XX/XX/XXXX Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Debt collection

This was already taken off my credit report because amount was inaccurate and they were calling me after XXXX XXXX. I just recently got an alert, saying that my credit score went down XXXX points because of this company.
Product: Debt collection

Convergent Outsourcing reporting on my credit report from an old  XXXX  cell phone bill. This collection was previously deleted from my credit report due to debt that could not be validated and disputed charges and fees.  XXXX  has put this previously deleted debt back on my credit report. I do not owe this balance. This is unfair reporting and requesting this collection to be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX  Account XXXX, XXXX XXXX XXXX Account XXXX 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 instruction
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXAccount Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all fraudulent accounts and inquiries associated with my credit report, as I am a victim of identity theft resulting from the XXXX data breach. Pursuant to 15 USC 1681c-2 ( a ), I am entitled to have any fraudulent information blocked from my credit report. 

XXXX XXXX Account # XXXX Balance - {$670000.00} XXXX Account # XXXX Balance - XXXX XXXX XXXX  Account # XXXX Balance - XXXX
Product: Mortgage

I have Lennar Mortgage as the company assisting me for the Loan. 

They have me close one of Credit card which I told them if I have to do that then I will be on the buy end of moving the date for closing. I have asked them how much is the charges and did not got a response. I assumed then that there are actually no charges for it. Unfortunately I learned the hard way. I saw the breakdown of the closing cost and the have charged me for the extension. I asked them why they are charging me when I am not even aware of it, and got no response why. 

Unfortunately, the process in closing itself was a struggle as they have stated in the morning of XXXX it was declined then in XXXX we are back on track. 

Even on the day of closing XXXX we still have the challenge. They informed us that we have to be in their office at XXXX XXXX and that is only option. We were informed before that closing will be done virtually, then all of sudden they have stated that, that is not possible due to our DTI being high. I asked why were not informed previously but just on that day. What I got as a response is " I thought i already informed you all '' Now, XXXX they have to move my lock date because apparently I did it wrong with the process of wire transfer. I've asked before I send the funds, Am I doing it right got the response great, I assumed I am on the right track and went ahead and paid the needful funds. Now they have stated I did it wrong, and due to this circumstance they have to move the date and charge me. Unfortunately I have a cosigner and the earliest she can be available is Thursday which cost me. They did not allow the virtual even we will be doing this closing the 2nd time. 


The journey for applying loan from them has been unreal and challenging. And its getting frustrating.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX