23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/year> I woke up to a message stating my checking bank account was - {$120.00} overdrawn a day after me getting paid at work. 

I called Chase to report the 4 transactions that were not authorized coming from a USPS and they told me it would take 10 days for them to come to a conclusion. 

I then called USPS to verify how this could happen, and through dual investigation we confirmed it was a scam done through text message I received where the scammers pretend to be USPS requesting additional info about a package I was waiting on since it was during XXXX time, and that it cost {$0.00} cents to resend the package, so I put in my info and then it requested a pin which I just happened to use the same one I use for the bank, and on XX/XX/XXXX, is when they took my money out. 

I called Chase bank again on day 9 since I hadnt received an update from claims, and Chase bank told me the claim was denied due to insufficient evidence that I didnt authorize the transactions, so I requested they track where the transactions were done from and with a lot of hesitancy, the told me it was done in the state of California . 

The claims representative then told me they would re open the claim if I provided proof that it wasnt me making the transactions in California, so I gathered XXXX XXXX  receipts, a police report, camera footage with time stamps from my job, and many other detailed forms of evidence, and told me it would take 2-3 business days until they have another conclusion. 

I called Chase bank back once again to check on the status a few days after and they said that the claim was denied again due to now saying the transactions were actually done within 100 miles from my home zip code, so I asked them to tell me how they came to that conclusion if they initially told me the transactions were done in California, and from which specific location in XXXX were they made so I can get police to gather camera footage, but they stated they didnt know how and couldnt give me the information on that l and theres nothing else we can do and hung up on me. 

I went again to two different physical chase bank branches where agents helped me make further arguments towards the case and again with a lot of hesitancy, have agreed to review the case again since I involved police. 

Its been almost a month and I still have not been able to pay some of my bills since to add insult to injury, theyve lost my replacement debit card twice and I cant change my bank pin without it putting me in further exposure to another fraudulent transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2023 to update my personal information and delete old addresses and phone numbers.
Product: Credit reporting or other personal consumer reports

In accordance with 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 Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX  XXXX XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX  # XXXX 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 1681c. ( 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.
Product: Debt collection

A company named " LJ Ross Associates Inc '' contacted me via phone regarding a debt of {$250.00} stemming from " XXXX XXXX XXXX '' in which I owe none of. I responded to the company and requested the original contracts in which they are claiming I am attached to. " LJ Ross Associates '' has yet to yield those requested documents as they do not even exist. I am not responsible for any debt regarding " XXXX XXXX XXXX '' nor have I knowingly established any contracts with " LJ Ross Associates ''
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
Name XXXX XXXX XXXX XXXX. 
. Account Number XXXX Name XXXX XXXX XXXX XXXX Account Number 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 or other personal consumer reports

I have disputed inaccuracies on my credit report to XXXX equifax and XXXX and they all failed to move forward with my dispute.
Product: Credit card

THIS COMPLAINT SHOWN BELOW FILED ON XX/XX/23 ( CFPB # XXXX ) WAS INCACCURATELY LISTED AS A DUPLICATE COMPLAINT. AS A RESULT I AM REQUESTING THE ARBITRATION AGREEMENT AND THE CONTACT FOR THE LEGAL DEPARTMENT AS THE SPECIFIC INFORMATION REQUESTED WAS NOT SUPPLIED.

I never received a true/certified copy of the original application for credit showing the wet ink signatures authorizing and binding myself and Chase for account ending in XXXX. I have no records of signing with my wet signature to authorize the account ending in XXXX. I never received the true invoices signed under penalty of perjury confirming Chase provided their own assets and that the alleged debts are valid. According to 12 USC 83 banks are prohibited from loaning their own assets i.e. shares of stock. Finally, I never received the accounting statements from Chase for the account i.e. 1099 0ID, 1096, INC, PRC and 1099. On top of that various laws have been violated. For example, as per 15 USC 1681 Section 604 A Section 2 a consumer reporting agency can not furnish an account without my written consent. I never provided my written consent/ instructions. According to 15 USC 1681 c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following pieces of information any other adverse items of information other than records of convictions of crime which antedates the report by more than seven years. According to 15 USC 1681 s-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. 

THIS IS THE PRIOR COMPLAINT FILED ON XX/XX/23 ( CFPB XXXX ) AND AS YOU CAN SEE THE COMPLAINT IS NOT THE SAME Chase continues to make inaccurate entries on my credit report for an alleged debt however they have failed to provide the contract binding both parties. 

AS I DID NOT GIVE WRITTEN CONSENT ON ANY CONTRACT, I AM DEMANDING YOU PRODUCE THE EXACT DOCUMENTS REQUESTED IN THE XX/XX/23 COMPLAINT IN THE EXACT MANNER PRESCRIBED OR YOU HAVE NO OTHER OPTION BUT TO DELETE THE ENTRIES FROM ALL THE CREDIT BUREAUS.
Product: Credit reporting or other personal consumer reports

I was unemployed for a period of time. During that time, I went through the process and secured deferment from the mortgage servicer XXXX. We eventually were approved to have the missed payments moved to the back of the loan, and were never delinquent at any time. Despite the fact that there was {$0.00} due, XXXX reported me to Credit Reporting Agencies as Delinquent. I only found out when credit limits were reduced on some of my accounts. What is the point of following the rules only to be shafted at the back end? I didn't choose to lose my job.
Product: Credit reporting or other personal consumer reports

Account showing as late was never late XX/XX/2024 XXXX
Product: Mortgage

We were in forbearance during the XXXX pandemic from XX/XX/XXXX to XX/XX/XXXX for our primary home. We lost our jobs after XXXX of us became sick. Our rental property had to go into forbearance because the renters had the same problem. The renters left without notice and left us trying to pay the mortgage. We had to sell our property under value because that mortgage company was trying to foreclose on that house. We voluntarily stopped the forbearance and agreed to go on a modification plan to put the owed amount on the back of the loan and make regular payments. We paid the three months trial to show that we could make payments. From XX/XX/XXXX up to XX/XX/XXXX for our primary residence, but for our rental property they stopped accepting our payments and just told us they are just going to proceed and expedite with foreclosure even though we were making the payments. We have been making our payments on time waiting for the company to send the modification packages to establish a firm payment history. Instead, the mortgage company kept sending expired forms to fill out and notarize and several of their reps said not to fill them out because they were expired. The mortgage company then changed the verbally agreed modification that would not benefit us and was supposed to send corrected forms. Instead, they put it on our credit report that we were late on our payments and not making payments at all. when they said they would not, and now they are trying to foreclose on our home after they ruined our credit it is so low we can not do a refinance anywhere and missed the deadline for the government modification plans. Our score went from XXXX to XXXX because of their report to the credit bureaus. We believe that they put the payments that we are making to the forbearance owed money and that is why they keep saying we are late when we are not. We have sent a complaint to the credit bureaus and to the mortgage companies to fix their mistake. For the primary, we are in back pay for {$28000.00}, and for the rental XXXX. We are XXXX veterans and can not afford to pay these in full, that is why we wanted to do the modifications. We have sent documents to both companies for review and they still claim it is still under review but at the same time are trying to process foreclosure paperwork. To reiterate, we did not miss payments other than during the forbearance, otherwise, our payments have been on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CALLED AND LET THE CREDITORS KNOW I WAS SICK AND COULD NOT MAKE PAYMENTS, HOWEVER THE ACCOUNT IS CLOSED BUT THE LATE PAYMENTS IS AFFECTING MY PYMENT HISTORY PLEASE TELL CREITOR TO REMOVE LATE PAYMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I placed a dispute with XXXX I have requested several times for a letter showing proof. It's been 30 days still no evidence of proof. It will be 60 days by the end of XXXX. It is now XX/XX/XXXX, According to the consumer law I should be treated with fairness and have my credit report showing accuracy. I have requested several times for proof, with my signature with regional XXXX. A copy of the original lease or agreement showing my name and signature listed. You have wrong names listed on my profile and inaccuracy listed under my name. Next step will be to go to State Attorney General.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report as an instance of non-compliance with the Fair Credit Reporting Act ( FCRA ) and to request your assistance in resolving this matter. 

Under the FCRA, credit reporting agencies, furnishers, and other related entities have a duty to ensure the accuracy of consumer credit information and to comply with all provisions of the Act. Negligent non-compliance, as defined under 15 U.S.C. 1681o, imposes liability on those who fail to adhere to these obligations.

Specifically, my concern involves the following : Entity Responsible : Experian credit reporting agency Description of Issue : Failure to adequately investigate my dispute claim outside of a generic reply Relevant Details : collections account is listed as XXXX XXXX and the account is stated to have opened on XX/XX/XXXX and closed on XX/XX/XXXX for an amount of {$1700.00}. Additional account was from XXXX stated to have opened XX/XX/XXXX and closed XX/XX/XXXX with an alleged balance of {$110.00} Impact on Me : My credit report has been adversely impacted by negative collections claim which have directly affected my access to financial products which would change my livelihood for the better and improve my financial success. 
Despite my prior attempts to address this matter directly with the responsible party, they have failed to resolve it adequately. I have attached copies of my correspondence with [ responsible entity ] and any supporting documentation for your review. 

Pursuant to 15 U.S.C. 1681o, I am seeking resolution of this matter and wish to highlight the negligent non-compliance that has caused me harm. I request that you : Investigate the issue thoroughly. 
Take appropriate enforcement action against the responsible entity. 
Ensure that the inaccurate information is corrected or that the issue is otherwise resolved. 

Thank you for your attention to this matter. I look forward to your response and assistance in resolving this dispute. 

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

I have reviewed my credit information and I noticed this company I was opened with my name, and personal information, it belongs to some else however its affecting my credit score badly. 
XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX UNPAID BALANCE {$1500.00} The Fair Credit Reporting Act Law XXXX U.S.C. XXXX The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.
Product: Credit card

I am writing to express my concern regarding the interest charges applied to my account following a loan I took in XX/XX/2022 with a 24-month repayment term at 0 % APR. 

The loan statements I received included two lines : 1 ) Minimum Payment 2 ) Save on Interest Payment To ensure timely repayment within the stipulated term, I set up automated payments based on the " Save on Interest Payment '' amount, believing this would fully cover my balance within the 24 months. Additionally, I made a partial payment during the term to expedite repayment, further demonstrating my intention to settle the balance as quickly as possible. 

Despite these efforts, I was unaware of an outstanding balance of {$3000.00}, which I inadvertently missed due to the confusing wording of the statement. As a result, a significant interest charge of $ XXXX has been applied to my account, shocking both me and my family. 

Please note that my credit history of 7+ years in the U.S. reflects 100 % on-time payments, and I missed this payment by only one week. I believe this was an honest misunderstanding, and I kindly request that you review my payment track record and consider waiving the accrued interest charges. 

I deeply value my relationship with COMENITY - XXXX XXXXXXXX bank and hope this situation can be resolved amicably. Thank you for your attention to this matter, and I look forward to your favorable response. 

Sincerely
Product: Credit card

XXXX  XXXX dismissed volutarily, US BANK employee told me " we have no accounts here that begin with XXXX '' [ the motor home loan ] at US Bank . So wbo is my lender on that line XXXX credit? XXXX are they not sending me Credit Card Bills?
Product: Mortgage

My mortgage is through Loancare, specifically XXXX. The company they are owned by, XXXX XXXX XXXX, took their systems offline in XXXX of XXXX. Many people were unable to pay their mortgages. The company did not notify us that this was happening, but just took their website offline. 
The company finally came back online on XXXX and my mortgage was paid. I woke up on XXXX to find it has been taken out twice, and my checking account is in the negative by almost {$2000.00}. I am unable to contact anyone via Customer Service and I am unable to log into their website, as it is down yet again. 
I have read online that some people had their payments come out XXXX and 4 times. This company is horrible and is messing up people 's banking and budgeting, and likely holidays, and should have repercussions.
Product: Vehicle loan or lease

From : XXXX XXXX, REALTOR ( XXXX ) XXXX Attn : Ally Financial - Legal Dept Hello Ally Financial XX/XX/2019 : {$8600.00} > Ally Financial > paid off our > LOAN # : XXXX. We did not consent or not informed except we received a letter telling us balance paid in full. As ofXX/XX/XXXX. 
We actually have no loan. We have received no statements since XX/XX/2019 or contacted in any way. 

We had a " XXXX BALANCE ''. LOAN : In reality we financed {$12000.00} - XXXX Paid {$7200.00} up toXX/XX/XXXX. 
This leaves a balance due {$5100.00}. 
Ally now tells us the payoff is {$9000.00}. 
" Ally Financial '' has three distinct sets of violations unlawful auto loan servicing, illegal debt collection, and violations of Fair Credit Reporting Acts. 
Ally Financial - Loan Servicers are not free to charge unauthorized fees or change loan terms on their own, which is what Ally Financial has done in our case. 
Misrepresented how much we ( XXXX ) owed, assessed higher fees than allowed by contract or state law, changed key payment provisions, and flat-out overcharged us. 
Ally Financial increased XXXX balances through a combination of human error, poor quality control, Philippine errors, and faulty computer programming. 

We have been attempting for over 180 days to call Ally Financial trying to correct their mistakes with no result. 

Please help us with this gross violation with Ally Financial. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

For 12 months TransUnion kept me from accessing my report and also my disputes section of the website. I have uploaded an attachment screenshot of the page I have been unable to get past for 12 months. I have contacted there IT department and the website continues to deny my account access to the disputes section and report section. They made it impossible for me to file a dispute on my report by denying me access to this section. This hints at internal fraud and errors on my report. I noticed they had an XXXX mans name under my report. His last name was XXXX. They kept asking me about him when proofing my account by phone. They made it so I can not do anything on my account online unless I call them only on the phone. They kept me out of my account using tech support. I logged in from XXXX XXXX, the library, school, and work and got the same technical issues. This let me know they intentionally kept me out of my account so I could not fix the errors they made in my report.
Product: Credit card

I am filing a formal complaint against Citi Bank Credit card regarding their refusal to fairly resolve a dispute concerning unauthorized charges made on my account. Despite multiple attempts to reach a resolution, my case has been unfairly denied, and the company has failed to address my concerns adequately. 
Complaint Details : Disputed Transaction Amount : {$510.00} Total Transaction Amount : {$840.00} Transaction Date : XX/XX/XXXX Merchant : XXXX XXXX XXXX XXXXXXXX XXXX Issue Summary : Unauthorized Charge : During my visit to a dental clinic in XXXX, the merchant took my credit card without my consent and processed charges I did not authorize. 
No Signed Agreement : I did not sign any receipt or consent form for the additional services that were billed to me. 
Merchant Misconduct : The merchant 's payment machine was malfunctioning, and I was unaware of the exact amount being charged at the time of the transaction.

Failure to Provide Receipts : The merchant initially refused to provide a receipt, and when they eventually did, the details were incorrect.

Credit Card Companys Unfair Handling : I filed a dispute with Citi Bank Credit card on XX/XX/XXXX, providing all relevant details and requesting a chargeback for the unauthorized amount. Despite the clear evidence, my dispute was denied. 
Lack of Response : I followed up on XX/XX/XXXX and again recently, but the company has failed to respond or reconsider my case. 
Requested Resolution : I request that CFPB investigate this matter and ensure that Citi Bank credit card properly re-evaluates my dispute and refunds the unauthorized amount of {$510.00}. I believe their handling of my case has been unfair, and I seek a just resolution under consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute was entered with Equifax XXXX on XX/XX/2022. The account still hasn't been updated. It has been more than 30 days. I demand a removal of the account for being unable to be validated.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for reasons unknown and won't assist me with getting it back up and going. I don't know whether this is some slip-up as I accept it must be. I have not had the option to find support from them for quite a long time however I just recollected that I could document a report on here as I feel they are not tackling their work appropriately and it is affecting me an incredible arrangement as I utilized PayPal habitually. My email connected to my PayPal is " XXXX ''