23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On or about XX/XX/XXXX I was notified by my credit union that my checking account had been overdrawn in the amount of {$1100.00}. When I went to the credit union to get an explanation I found that XXXX had erroneously charged me for prematurely terminating the terms of my phone lease for 3 phones. This was an error on their part. I had enabled auto-payments for my bill, so they withdrew the funds and left me with the overdraft. When I called XXXX Customer Care to dispute the erroneous charge the representative told me that he wasn't sure why the charge was made ( because I certainly didn't terminate my lease! ). I asked how soon the charge could be returned to my account and he told me it would be 7-10 days. I explained their action resulted in the overdraft of my account, and I need that money to pay my rent and other bills. I told him the 7-10 day period was not acceptable, and asked if some type of exception could be made due to it being their error. I told him I was concerned about the erroneous charge refund policy, but more concerned about the situation I was left in due to the error. He told me there was nothing he could do. I again asked if there was some type of exception for me as a 15-year customer, or if there was someone else I could speak with ( escalate the call ), he said no and ended the call. I have been in Customer Service my entire professional career ( over 35 years ) and this interaction was a perfect " learning opportunity '' for that young man, but apparently that call was not monitored or reported because I was never contacted by anyone in XXXX XXXX Customer Care leadership. I can not describe the feeling of helplessness. My first action was to terminate the auto-pay to XXXX ( I was also required to submit a stop-payment order for them because they subsequently tried on two occasions to again withdraw those same funds! Is that legal? ). I then had to request a loan to pay my rent which they quickly approved because the representative heard my conversation with XXXX. Not once did they acknowledge their error, or offer me an apology for the XXXX service I received as a 15-year customer. Some days later I changed my service provider. I was sent communications from two different collection agencies on behalf of XXXX that were disputed through XXXX and invalidated. The results from the dispute with XXXX. XXXX were posted 0n XX/XX/XXXX, and with XXXX XXXX on XX/XX/XXXX. Today I received communication from Diversified Adjustment Service , Inc., XXXX XXXX XXXX, XXXX, MN XXXX, also on XXXX 's behalf. I am aware that many companies sell debts to collection agencies. In my opinion this company has purchased a " bad '' debt that has been twice invalidated. I feel XXXX is harassing me with these collection attempts that are a result of their error and terrible treatment of their ( former ) 15-year customer. Can XXXX be compelled to stop these collection attempts?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed an FTC report for identity theft for inaccurate accounts I found on my report and no one is helping me.
Product: Checking or savings account

Two transactions from a merchant was made from my debit card that I did not make, I reported it to chime and they claim to have ran an investigation and did not find any error in these transactions. Chime said they would share the information used to find their results with me, and when I ask, they've only returned my origional report without any extra information. I am asking Chime to give me the merchants contact information and location so that I may run an investigation myself but they refuse. All I ask for is the merchants contact information or return {$89.00} back to my account for the transactions with the merchant.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This letter is a formal Complaint under FEDERAL FAIR CREDIT REPORTING ACT ( FCRA ), 15 USC Sec.

1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. Sec 1681s-2, that the Credit Reporting Agency could be reporting Unauthorized and Fraudulent Credit Inquiries by these Original Creditors on my credit report and is a violation of the Fair Credit Reporting Act Section 604 ( a ) ,604 ( b ), 604 ( c ), 609, and 623 ( a ) ( 6 ) ( 8 ) and Fair Credit Billing Act, and Title 15 U.S.C. section 1681b ( a ), 1681b ( b ), 1681b ( c ), All data on My Credit Report must be 100 % ACCURATE, 100 % VERIFIABLE, and 100 % TIMELY, or By Law can not be on My Credit Report. PERIOD, per Sec 623 ( b ) ( 1 ) ( E ).

I recently reviewed my credit report and found unauthorized inquiries.

I contacted the below creditors, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal, I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

Inquiries are not a matter of record when I never gave these companies access to My credit file!!

According to Section 604 of Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

( F ) otherwise has a legitimate business need for the information i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting shall- ( i ) promptly delete.

The following inquiries are unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by this breach when someone used my information in 2018. Experian created this problem and now they will not help resolve this problem. They are hiding behind the notion they are too big to fail. I wrote Experian about the following fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have proved this account information is fraudulent with them, and they have failed to respond. I have filed a complaint through the Federal Trade Commission. Under the laws of the FDCPA, I have contacted these companies and told them they are fraudulent accounts. These debts are not mine. These egregious stains on my credit file prevent me from obtaining future XXXX loans. I urge them to remove these items immediately before I am forced to take legal action. They do not care that I can sue them for actual damages and declaratory relief under the FCRA. According to this regulation, I can sue them at any qualified state or federal court, including a small claims court in my area. However, they are not concerned about lawsuits. They are getting paid more money by these companies when they report incorrect information on consumers ' credit files. It is why I am filing a complaint through the C.FP.B. While I prefer not to litigate, I will use the courts to enforce my rights under the FCRA. However, I need the CFPB and Federal Trade Commission to step up and force Experian to do the right thing. I look forward to an uneventful resolution of this matter.
Product: Vehicle loan or lease

Complaint Details : Loan Number Ending In : XXXX Date of Issue : XX/XX/XXXX Product/Service Involved : Auto Loan Summary of Complaint : I am filing this complaint against Digital Federal Credit Union ( DCU ) for their handling of my auto loan account. After reviewing my account records and documentation, I have identified several issues : 1. Violation of the Fair Credit Reporting Act ( FCRA ) : o The original loan agreement indicated an interest rate of 5.24 %, which was unilaterally increased to 18.00 % on XX/XX/XXXX, allegedly due to a missing vehicle title.

o This significant adjustment was applied without adequate notice or justification, leading to inaccuracies in credit reporting and financial harm.

2. Improper Adjustment of Interest Rate : o The unilateral interest rate increase to 18.00 % was unjustified, especially as it stemmed from an administrative issue ( missing title ) for which I was not at fault. The responsibility for ensuring lien compliance lies with DCU as the lienholder.

o This increase caused inflated interest charges and significant financial strain.

3. Impact on Credit Standing : o The increased interest rate led to financial difficulties, resulting in late payments.

o These late payments adversely affected my credit score, leading to canceled credit card accounts and further financial distress.

o The late payment annotations and associated debt have caused significant harm to my credit profile and financial stability.

4. Lack of Transparency and Documentation : o DCU has failed to provide adequate validation of the alleged debt.

o The unsigned loan agreement and transaction history provided do not justify the accrued balance of {$45000.00} as of the charge-off date.

o Payments have been inconsistently applied, with a disproportionate amount allocated to fees and interest.
Product: Vehicle loan or lease

Bethpage FCU of XXXX XXXX has refused to return our lease overpayment. I call it overpayment, because technically and literally it is. This legal greedy money grab situation repeats itself daily, monthly, and yearly hurting the pockets of millions of consumers all over the country. As regulators you should be as peeved as I am that the loop hole I am about to describe exist. You should be even more peeved to know that it has been in existence for as long as it has. Any system that is designed to XXXX consumers " at all costs '' is a broken system. If previous regulators created this loophole, then it is my wish for you to close it. 

XX/XX/year> Leased a XXXX XXXXXXXXXXXX XXXX XXXX from XXXX XXXX XXXX XXXX NY, payments to Bethpage FCU every XXXX day of each month of XXXX XXXX monthly with interest accruing daily. Lease Downpayment and closing cost approx. $ XXXX 

XX/XX/year> payment {$410.00} to Bethpage for the 31 days of XXXX XX/XX/year> We had an auto accident, and the car was 100 % totaled, with the other party 00 % at fault. 

XX/XX/year> New lease, new car, another $ XXXX to XXXX XXXX. Monthly payment {$360.00} interest to accrue daily. We have by this date paid {$410.00} ( old lease XXXX payment to Bethpage FCU ) + {$360.00} ( new lease payment to Bethpage starting XX/XX/year> ). 

XX/XX/year> XXXX issues check to XXXX for {$37.00}, XXXX. The check was broken down {$36000.00} Bethpage CULA lease payoff and {$1400.00} in lease equity or positive gap. 
XX/XX/year> Bethpage customer service confirms the old lease termination backdated to XX/XX/year>. After roughly an hour on the phone I was eventually transferred to someone named XXXX ( supervisor ). I asked XXXX for a refund of the excess or prorated lease payment for XX/XX/year>, since we paid {$410.00} for the full 31 days of XXXX. 

By my calculation refunding us the prorated amount from XX/XX/XXXX XX/XX/year> was the just and consumer fair thing to do. I explained to XXXX that since interest accrued daily, they should have stopped accrual as of XX/XX/XXXX and refund us roughly {$250.00}. XXXX responds that the lease says any payments paid up to the termination date is not refunded. I tried to tell him that that clause he read did not state that he should not refund excess payment after lease termination date. In addition, I asked XXXX if Bethpage wrote the lease clause he read to me, and his response was no. XXXX promised to look into the matter and call me back by Thursday XX/XX/year>. He did not promise a refund, only to look into it and call me back XX/XX/year> XX/XX/year> No call back from XXXX or anyone from Bethpage FCU. Matter unresolved.
Product: Credit card

Complaint against : Citicorp Credit Services, Inc-XXXX 

I submitted a billing dispute request against a retailer which Citicorp responded on XX/XX/2016 requesting additional information/documentation/evidence of my dispute ; which I followed up on XX/XX/2016 with all requested documentation. 

Apparently it seems they made a decision ( in favor of the XXXX ) not to honor my dispute request without viewing the requested evidence. Nor did they bother to inform me of this decision. 

When I phoned the XXXX Department to follow up I was informed at that time of their decision which I requested to speak with a Supervisor due to the lack of respect and Customer Service provided.
Product: Credit card or prepaid card

So I had a credit card I applied for with XXXX XXXX XXXX, I was making my payments each month and then my wallet was stolen and I reported the card lost or stolen. It was some unauthorized charges on my card and the representative told me that it was nothing she can do about it. I told her I would like to close my account then and not have a card with them anymore since they were not willing to take care of the fraudulent charges on my account. The representative told me she would close it out and I owed an balance of about {$65.00} on the card. I told her I would pay it to send me a final bill. I did not get a statement and around 2 months later I started getting calls from them everyday harassing me 6 times a day every single day saying that I owe them hundreds of dollars. Owe them for the fraudulent charges and also for the interest and fees they were adding each month on my statement as well as the monthly charge and then late fees. I told them I did not owe them that as my account was supposed to be closed and that I should not have to pay hundreds worth of dollars for nothing. I did not even make any charges but the amount was steady going up and up and they continued harassing me. I disputed with the company and they told me that nothing was false and that I owed the debt but I did not, I was not even using the card did not even have a card so how could my balance go from {$65.00} to over {$70.00} with them adding fees to my account every month and not closing it out. They have ruined my credit score as well as my payment history that I worked so hard to establish all for greed and the willingness to not help me. I am quite disgusted with this company and I am absolutely fed up with them ruining my credit and also my reputation for something they should have resolved and did not want to take responsibility for.
Product: Mortgage

I called in to my mortgage servicing company, Rushmore Loan Management, to complain that I have not received any monthly statements for several months. The servicing company advised me that since I have gone through a chapter XXXX  bankruptcy, that I would have to send a letter stating that I re-affirm the loan before they will send me statements, that it was a new company rule that went into effectXX/XX/XXXXXX/XX/XXXX. The problem is, the bankruptcy debt was discharged XX/XX/XXXX and I have been getting monthly statements from them with no issues since them. They have just begun to hold my statements hostage as of XX/XX/XXXX. I advised the customer support agent that at the time of the bankruptcy I was working on a loan modification and that I had signed a loan modification agreement, in effect taking on a new loan outside of the bankruptcy and that I have been on time with payments since the new agreement went into effect. The CSR advised that I would still need to send a letter stating I re-affirm the debt or that they will not send me monthly statements. I believe this behavior violates the periodic statement rule outlined in 12 CFR.
Product: Credit card or prepaid card

Hello We recently had a dispute with Chase credit card services. Below are the dates and amounts of the transactions. 

XX/XX/XXXX XX/XX/XXXX Adjustment XXXX XXXX Work RelatedCategory for XXXX XXXX : {$5800.00} Show details XXXX XXXX XX/XX/XXXX XX/XX/XXXX Adjustment XXXX XXXX Work RelatedCategory for XXXX XXXX : {$540.00} The transaction was disputed because we never received the services from the vendor. Chase had asked us for more details which had been provided to them. They told us the information was never received and that they only accept it via fax. We tried faxing it multiple times and they told us it takes 1 day to verify receipt of a fax so they could not tell us right away. 

After all of this occurred they closed the case and told us it has been too long and that they never received anything. 

Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022, I submitted letters to the credit bureaus in regards to some inaccuracies and unknown information being reported on my credit reports and as of today, XX/XX/2022 I have not received any correspondence from the credit bureaus about these accounts that are affecting my credit reports and scores. It is my understanding according to Section 611 ( a ), it is plainly stated that failure to do an investigation within 30 days this gives a reason to have the accounts immediately removed from my credit reports. 

I am demanding that these accounts be deleted immediately or I will file litigation due to the stress this has caused me. It also appears that my information has been impacted by the XXXX XXXX XXXX and may have gotten into the wrong person 's access.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I received a letter from chase stating that they are reporting my Home Equity Line of Credit ( HELOC ) as charged off on XX/XX/XXXX with unpaid balance of {$24000.00}.

They stated they canceled the balance owed on XX/XX/XXXX and issued a XXXX. and as a result updated charge off balance to {$0.00} on XX/XX/XXXX and reported to credit bureaus on XX/XX/XXXX.

Further they state they carefully reviewed the account and did not find any misrepresentations, unfair tactics or tried to be deceiving.

And that they are required to report accurately.

The problem with these statements are my credit report shows a charge off in the payment history on XX/XX/XXXX. Then the next data entry shows a charge off on XX/XX/XXXX.

The status shows a balance update and status of charge off update to be XX/XX/XXXX when they clearly said in the letter the balance was canceled on XX/XX/XXXX. If the balance is {$0.00} on XX/XX/XXXX it should state XX/XX/XXXX not XX/XX/XXXX.

The next problem is the XXXX they furnished in the letter and sent to the irs shows an identifiable event code of ( F ) By Agreement. This would have to mean that I made an agreement with them to cancel the debt owed for less than the full balance. This would be false.

The date of the Identifiable event is XX/XX/XXXX. Considering the Irs regulations prior to XX/XX/XXXX. If a debt has not been paid for 36 months and active collection is not pursued then a XXXX is to be issued even if the debt is not discharged. The account was delinquent prior to XX/XX/XXXX and closed and charged off XX/XX/XXXX. A XXXX should have been issued prior to XX/XX/XXXX. So in this case the XXXX was issued in the wrong year with incorrect event coding Finally according to XXXX  county land records there was a mortgage assignment filed for this account. The Assignment of mortgage was not to Chase Home Finance nor Chase Home Lending. Which gives reason to believe the incorrect creditor is reporting the debt and that they do not have a valid claim. Whether the Assignment of mortgage is valid is speculative considering the notary had been suspended and the agent on behalf of Chase may or may not have worked for Chase.

My actions have been contacting Chase about the misrepresentations and they have stated the account has been charged off since XX/XX/XXXXbut it is still open and they are reporting correctly.

I disputed with Credit Reporting Agencies to validate the information which is clearly incorrect. The came back that they only report what they are told to and that it was validated.

I have submitted a prior complaint to CFPB which contacted Chase which responded with the letter that I have explained.

I have continually ran into problems getting credit due to this account reporting the charge off as XX/XX/XXXX since Derogatory Credit waiting periods require 4 years though the Charge Off had occurred XX/XX/XXXX. The cancellation of debt was XX/XX/XXXX which is not a charge off especially if the account was already charged off.
Product: Credit reporting

XXXX is still on my credit report as debts I do n't have no debt with them I disputed 2 years ago it is still on my credit reports Thanks XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected yo protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
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 XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Unauthorized Inquiries : XXXX  XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/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 card or prepaid card

Capital One at XXXX XXXX XXXX, XXXX, NC XXXX-XXXX  issued me a Spark Business card. Capital One emailed copies of several months of my credit card statements to a woman in Minnesota that I don't know. She contacted me to tell me that she had all of my credit card statement, my vendors information and my personal information. I contacted Capital One and cancelled the card. This breach of my account and my personal information was no big deal for them. They were apathetic about it. My business had to change all of our automatic payments with all of our vendors. I have no idea where else Capital One may have sent my information. They should be accountable for exposing me and my business to identity theft. 

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, VA XXXX XXXX XXXX XXXX