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

My son, XXXX XXXX, XXXX, and I are joint account holders of a Chase College Checking account. On XX/XX/2023, I noticed two unauthorized transactions to XXXX XXXX in New Jersey. The first charge was for {$65.00} on XX/XX/2023 and the second was pending on XX/XX/2023 for {$280.00}. I questioned my son, who is a XXXX XXXX in XXXX, NY, about these transactions and he was adamant that he did not make either of these two purchases. Promptly on XX/XX/XXXX, we contacted the Chase claims department to file a dispute for the two transactions. They quickly deactivated the debit card associated with the checking account, issued a replacement debit card and provisionally credited the account for both unauthorized charges totaling {$340.00}. Chase Claim XXXX XXXXXXXX. The replacement debit card was promptly received and activated. We thought that the issue had been settled. Thereafter, on XX/XX/2023, I noticed that the provisional credits for {$65.00} and {$280.00} were reversed. When I contacted the Chase claims department, they explained that their investigation indicated that the charges were not considered to be fraud, as no new devices were used for these transactions and that there was XXXX XXXX recognition. This is completely untrue! My son and I are 100 % adamant that neither of us made these transactions. I asked the customer service representative to re-open the claim, but they refused without me providing them with new information or documentation. When I asked what I can provide to them to show that this was fraud, they could not provide me with an example. When I asked if they can provide me their " proof '' that these were supposedly legitimate transactions, the customer service representative indicated that I would have to take their word that the investigation findings were correct. By the way, we have yet to receive their investigation conclusions in writing. Why can't they provide me with the investigation documentation? Show me the supposed XXXX recognition, show me what device was used. This " investigation '' was conducted by some " back office '' department that can not be reached by phone or by email..This is completely unacceptable! I would like to see the documentation uncovered during their investigation. Ultimately, I would like our {$340.00} credited back to our account since these are fraudulent transactions. It is very known that these fraudsters and hackers are very sophisticated in how they manage to obtain a customer 's information and run rampant on that individual 's accounts. The banking institutions are falling short in protecting the consumer of these cyber crimes, so we have to pay for it? No, unacceptable! Please have them return our {$340.00} as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XXXX EXPERIAN BUSINESS CRED XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I started a personal loan with Avant on  XXXX / XXXX / XXXX  with Monthly payments of {$500.00}. On  XXXX / XXXX / XXXX  I contact avant and let them know I have had a loss in income and large amounts of medical bills and I was given a payment plan to reduce my monthly payment to {$370.00}. I was informed that there was a grace period of 10 days with meant my payments are due on the  XXXX  of each month. On  XXXX / XXXX / XXXX  I made an online ACH payment but since it was the weekend I was told they are considering my payment late and removed me from the agreed payment plan. I was never instructed that weekends do not count as payment dates and now I am told that I do not qualify for any payment agreements and its my fault that I defaulted on the payment plan. They now are showing that my payment is past due that will potentially jeopardize my credit rating. They are also saying I have to come up with {$500.00} in 7 days and then {$500.00} for the remainder of the loan terms.
Product: Credit card

Ensuring timely payments on this account has always been a priority, avoiding any overdue status. I'm unsure why there are late payment notations on my accounts. 15 USC 1666b mandates correction of billing errors.
Product: Credit card or prepaid card

I'm writing this letter to file a formal complaint regarding on misleading information on my credit file. One mistake that is really noticeable is the CAPITAL ONE that was opened on XXXX XXXX and has a balance of {$920.00}. I did not open or apply for a credit card. THIS IS NOT BELONG TO ME, this should not be reported on my credit report. I believe that there is a fraudulent activity happen to my credit file. I'm done reaching the three national credit bureaus XXXX, XXXX and XXXX and also, I already filed an FTC affidavit. I am a victim of identity theft. Please see attachment.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally address the discovery of fraudulent activity on my consumer report. Upon reviewing a recent copy, I found that I have been a victim of identity theft. I also received a letter in the mail from XXXX XXXX stating my information was in a data breach. I found an account with XXXX XXXX that I did not do or authorize has stolen my identity and placed this account on my credit report I would like this account to be erased off my report This alarming situation violates federal laws, including 18 U.S.C. 1028A and 15 U.S.C. 1681q, which prohibit the unauthorized use of another individuals identifying information. These offenses constitute felonies punishable by up to two years of imprisonment, in addition to civil liability. Unauthorized Accounts and Legal Violations During my review, I identified this account on my consumer report that I did not open, authorize, or recognize. I have never provided written authorization for these accounts to appear on my report, as required under 15 U.S.C. 1681b. According to this statute, consumer reporting agencies may only furnish reports under specific circumstances, including when : 1. The consumer initiates the transaction. 2. The consumer provides written instructions. Since I have not authorized these accounts, their inclusion on my report is a violation of federal law. Violation of Privacy and Coercion The presence of these unauthorized accounts also infringes upon my right to privacy. These false debts have been publicized without my consent, exposing me to unwarranted scrutiny and harm. Further, 15 U.S.C. 1692d prohibits the advertisement of debts as a means to coerce payment. The continued reporting of these accounts not only violates this statute but also creates unnecessary financial and emotional distress. Impact on XXXX XXXX This situation has caused severe harm to my XXXX XXXX as I am currently in the process of purchasing a home for my family. The fraudulent accounts have disrupted this process, causing significant XXXX  and emotional strain. These inaccuracies have made it difficult for me to move forward with important life decisions and responsibilities. Requested Actions To resolve this matter, I request the following actions : XXXX. Immediate Removal : Delete all fraudulent account from my consumer report. 2. Notification of Third Parties : Notify all third parties that have accessed my report of the corrections made. 3. Written Confirmation : Provide written confirmation of the actions taken within 30 days, as required under 15 U.S.C. 1681i. Failure to address these issues promptly will leave me no choice but to file formal complaints with my state attorney generals office and congress. I also reserve the right to pursue legal action to protect my rights and seek compensation for the harm caused. Thank you for your immediate attention to this matter. I look forward to your confirmation of these actions.
Product: Credit reporting or other personal consumer reports

On XX/XX/, documents were submitted to and accepted by Experian to dispute inaccurate information on my public record. On XX/XX/, at approx. XXXX set, I called Experian to obtain a dispute report number which they had not been given me. I spoke to a representative of Experian named XXXX. I was asked by XXXX what my dispute was for and I informed him that the information on my credit report by Experian regarding a reported bankruptcy was incorrect and I wish for it to be deleted. I then asked for a dispute report number that was never given to me by Experian since XXXXXXXX XXXX. Before XXXX gave me this report number, he proceeded to tell me that Experian will gather the information for the actual court in question. I then informed XXXX that the courts do not furnish information to any credit bureau as stated in the court letter I submitted with my dispute. I then informed XXXX that I thought that XXXX is where Experian gathers their information from. XXXX then changed his answer to me and said that XXXX will go directly to the court to gather the information for this dispute. I again informed him that the courts do not furnish information to any of the credit bureaus as well XXXX as stated on the court letter submitted on my dispute. I then informed XXXX that the reason I am disputing this public record with Experian is because the court name 'XXXX '' that is reported on my credit report does not exist and is incorrect. I also informed XXXX that the information he was giving me on a recorded line by Experian was also incorrect because neither Experian nor XXXX goes directly to any court for public information which is even stated on the XXXX website as they get their info from XXXX. XXXX proceeded to tell me has never heard of XXXX and insisted someone from XXXX will go directly to the court to get information on me and then furnish it to Experian. I asked to speak with this supervisor " XXXX '' to which he told me has not available and would have to call me back in 72 hours. I am filing this complaint because a representative from Experian gave me incorrect and inaccurate information as to how Experian and XXXX gather court information for the public record on my credit report. I am requesting that this phone call be investigated and added as evidence to support my original request to delete this incorrect information reported my credit report as stated on my dispute. The case number for the phone call with Experian is XXXX. The dispute report number that request for a deletion of my public record due to incorrect reported information for Experian is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian with regards to the collection account XXXX XXXX XXXX I requested Experian provide me with the documentation ( Signed XXXX form ) that was sent to them ( Experian ) in order to verify the accuracy of this medical collection. Experian responded with a generic letter stating this account was verified as accurate. I advised Experian that I did NOT sign a XXXX Release Form so I am sure they did not verify this medical collection. Without verifying this collection they are reporting in accurate information. If they believe they did verify this collection as accurate then please send a copy of the signed XXXX release. 
As of today I have not received a copy of the signed XXXX release but Experian still continues to report this collection on my account.
Product: Debt collection

I noticed something on my credit report from XXXX XXXX XXXX. I contacted Experian and the company. I asked for the written agreement between myself and the. I disputed the account with Experian and the account had been verified. They verified it without providing the written agreement between the XXXX XXXX XXXX and myself with written documentation and identification card that was used.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX Cell : ( XXXX ) XXXX Regards, Loan Number : XXXX I am writing this letter to complain about New American Funding, their mailing address is XXXX XXXX XXXX, XXXX, TX XXXX. This company holds my mortgage and they have falsely reported me over 30 days late to my credit reporting agencies. The months in question are XXXX, XXXX, and XX/XX/XXXX. 

I am attaching my payment receipts for the following : XXXX ( paid XX/XX/XXXX by electronic Debit ), XXXX ( paid XX/XX/XXXX by electronic check ), XXXX ( paid XX/XX/XXXX by official check ), and XXXX ( paid XX/XX/XXXX by official check ). 

On XX/XX/XXXX at approximately XXXX XXXX I called New American Funding and spoke with representative XXXX and provided the information. After keeping me on hold for over 10 minute, she returned and told me that I did not pay for XXXX and every month thereafter were late and that is why they reported the lates to the credit reporting agencies, I repeated that I paid within the 30 days and she insisted that the system says I was late and there was nothing she could do. 

After reviewing the Loan Activity from the New American Funding I discovered that I in fact paid XXXX, XXXX, XXXX, and XXXX well within the 30 days of which New American Funding falsely reported over 30 days late to the credit reporting agencies. This false report has caused me to be denied for credit and loans.
Product: Credit card

XX/XX/XXXX  Chase notified me via text of suspicious activity on my account from a XXXX merchant. In the text, it requested I review my transactions and report any that were not valid. After checking and seeing multiple charges from the same/similar vendors, I called to report the other purchases. I was told this would be included and removed. 

I received my new card. I checked to make sure the other transaction ( s ) were removed. They were not. I called, and was told they have this submitted and it will be removed in about a week. A week came and went and it was not removed. The other transactions had been, however. There was still a XXXX charge from this vendor that had not been removed. 

XX/XX/XXXX  I called again asking about the credit. I was told this will be on the account the following day, XX/XX/. 

XX/XX/XXXX  the transaction was still on my account. I called 3 times this evening. I continually was told the transaction credit was there. I was lied to, hung up on, they muted themselves, would not transfer me to a supervisor, and continually insisted I was not looking at the transaction history correctly. On the last phone call I asked for a way to submit a screenshot of what the XXXX is showing, since clearly if a credit is there there is a problem with their customer portal not pulling in the backend transaction tables. I took a screenshot before the 3rd call so I could assist them in researching their problem, since although I asked for a payment history on the first call I was hung up on instead. 

The last individual transferred me to their web support team to report this XXXX issue. When I was transferred, magically the credit now appeared. I have a screenshot prior to that last phone call that clearly shows the credit was not there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX  hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Credit card or prepaid card

Bank of America auto debits monthly for my payment towards my credit card.. they reported the payments late on my credit report. When this was brought to my attention ; I called and they reimbursed me late fees and interest/penalty charges. They have changed the reporting on every month with exception of XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Experian has failed to comply with the Fair Credit Reporting Act ( FCRA ) by not promptly closing all current disputes on my credit report and removing associated dispute comments. Despite my request, Experian has not ensured that the information on my credit report is 100 % accurate, which is causing significant issues as I am in the process of purchasing a home. 
Under 15 U.S. Code 1681e ( b ), Experian is required to follow reasonable procedures to assure maximum possible accuracy in the preparation of my credit report. Additionally, per 15 U.S. Code 1681i ( 5 ), any information found to be inaccurate, incomplete, or unverifiable should be promptly deleted or modified.

I have already identified unverifiable, invalidated, inaccurate, and questionable items on my credit report that your agency has not corrected. This has led to unnecessary delays and complications in my home purchase process.

I am urgently requesting that Experian comply with the FCRA by immediately closing all previous investigations, removing all dispute comments, and ensuring that all information on my credit report is accurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I sent someone I met through XXXX XXXX $ for a XXXX through cashapp. They did not send the XXXX and ended up blocking on me on XXXX after I sent the money. I reported cashapp through the app, spoke to multiple people, and they said that there is nothing they can do.
Product: Payday loan, title loan, or personal loan

I secured a loan with Upstart.com for {$24000.00} on XX/XX/2019 ( Origination Date ). My issue with the lender resides with deceptive handling of prepayments. In short, rather than apply prepayments against outstanding principal, the lender is applying prepayments against the next period 's installment. 

This conflicts with the terms of the promissary note that I signed with the lender. The relevant section is as follows : " Prepayments ; Partial Payments ; Forbearance. I may prepay this Note in full or in part at any time without penalty. Any partial prepayment is to be applied against outstanding principal and does not postpone the due date of any subsequent monthly installments, unless you otherwise agree in writing. If I prepay this Note in part, I agree to continue to make regularly scheduled payments until all amounts due under this Note are paid. Further, I understand I may request forbearance in accordance with your reasonable procedures and requirements, and the decision to grant my request for forbearance shall be solely at your discretion. During any period of forbearance, my regularly scheduled payments of principal and interest on my loan may be deferred to the extent permitted by applicable law. Except as described above, I understand that I will remain responsible for all interest accruing during any period of forbearance. I understand that any periods of forbearance may increase my monthly payments during my loan term or, in limited cases, may extend my repayment period unless prohibited by applicable law. '' My monthly installment is {$500.00} with monthly payments due on the anniversary of the origination date ( the XXXX of each month ). I recently began making payments of {$750.00} with the intention of applying the extra of {$240.00} to the outstanding principal. 

Instead, I was told that my payment ( which was inititated on XX/XX/XXXX but would post on XX/XX/XXXX ) would be applied against my XX/XX/XXXX and XX/XX/XXXX installments. I spoke with a company representative and was told that by selecting XX/XX/XXXX as my payment date, my payment would be posted in the next billing period, thus leading to it being considered a standard installment and not a prepayment. I was further told that in order for extra amounts to be applied against principal, I would need to change the payment date to occur at least 1 day prior to the agreed upon installment date. 

I find the company 's explanation dubious. The automatic recurring payment feature on the Upstart portal is set to default to the origination anniversary date as the payment date. The default amount that is prepopulated is the standard installment amount. Users have the ability to change both the date and amount of payments. I changed the amount to {$750.00} thinking that the extra would be applied against principal. There is nothing on their website, in the promissory note or elsewhere that indicates I need change the installment date to be 1 day early in order to facilitate a prepayment.
Product: Credit card or prepaid card

I got an email from XXXX and XXXX ( for XXXX XXXX ) today XX/XX/2022 that a credit report was done on me today. I did not authorize this at all. I called BOA and told them I dod not do this, they filled a fraudulent claim. I also contacted XXXX and they told me to contact you and file this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE SEE ATTACHMENTS. XXXX is using abusive and fraudulent means to harass me into coercing a debt that pertaining information they are in possession of illegally. XXXX refuses to comply with HIPAA and GLB Act laws that protect my privacy.
Product: Checking or savings account

Again having issues on my account and Webster Bank not correcting the problem. Getting error trying to send a XXXX payment and they are unable to help me send a payment. Tells me to call customer service and then they refuse to help me and want to force me to go into a branch. Refuses to escalate the issue to management. I have never been told there was an issue with my account.
Product: Credit card

Last week I used my CITI card to pay for care for a cat at the XXXX XXXX XXXX XXXX ( XXXX ). On Monday, I received another bill from the hospital in a different ( and slightly higher ) amount. What confused me was that the second bill indicated that I had n't paid anything on my account. So, I went to the CITI website and found that, indeed, I had paid them. What shocked me was that, in addition to the amount they had said I owed, there was a pending charge of {$430.00}. I can only assume that this fraudulent charge was placed on my credit card to insure that I paid the second bill. I wish to lodge a complaint, not against the credit card company who responded quickly to my complaint, but against the XXXX XXXX XXXX XXXX for using my credit card without my permission.