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

In XXXX, XXXX Chase issued me a check in conjunction with a refund on my credit card. That check was bad, recalled by Chase, when I tried to deposit it. I called in XXXX when I realized the check was recalled and they said they would issue another check. I waited until XXXX/XXXX/XXXX and still had not seen the 2nd check, when I called this time they said the check had not been " finalized '' by Chase. I told them that day that I was not going to wait for several more weeks for a check because they had failed to submit or finalize my request from XXXX, I requested to have my funds made available to me via back onto my credit card or into one of my deposit accounts at their financial institution. After speaking to a supervisor 's supervisor, unbeknownst to me one of their associates put in for another check to be mailed to me, without my consent ( further delaying the process ). They said they would cancel the request for a check to be mailed to me that was not authorized by me and they would attempt to put the funds back to my credit card and that they would call me back in 24-48 hours. 
XXXX I have yet to hear from Chase, so I called again. They said several things from that they were working on getting the funds back to my card, to they were mailing me out another check. I told them again that I would not wait for another check in the mail and that I wanted my funds back to my credit card. The supervisor XXXX was unable to help me, so I was transferred to his supervisor, who was unable to help me and said that it would be another 7 days. 
I still have yet to have my funds ( in the amount of {$170.00} ) made available to me since XXXX, XXXX. 
I am requesting that Chase put the funds back to my credit card, so that I may have my funds available to me. 
I am also requesting this case against Chase be made to proper authorities as I believe that Chase has at this point been negligent on several counts of making a consumer funds available to them. 
Thank you, XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item listed below to be an error. 

XXXX OPEN DATE : XX/XX/year> - ACCT # XXXX Pursuant to XXXX XXXX XXXX A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21days before the payment due date. I NEVER gave EXPERIAN Reporting Agency OR XXXX  any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). EXPERIAN Credit Reporting Agency has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ 1k per violation, for unauthorized credit reporting listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can't provide exact dates because I have been trying to get this matter settled with Chase Bank USA, N.A. ; XXXX XXXX ( C.E.O. ), XXXX XXXX ( C.E.O. ) and XXXX XXXX ( C.F.O. ), for many years. As they refuse to verify and/or validate the debt properly and in accordance to federal law, therefore I am submitting this complaint. I have a problem with their legal characteristic by nature, as they have not given equitable relief. 

I am also a XXXX Veteran. I am submitting one Administration Judgment ( documentation ) for proof and the account should be discharged. This firm has been unlawfully and illegally trying to collect on monies already prepaid pursuant to HJR-192 of XX/XX/1933. Additionally pursuant to 31 U.S.C. 3123 the interest and public debt is the obligation of the United States. I must also report that it has been past 7 years and this firm is still continuing to report false information on the report. 

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( which they keep reporting illegally ). As a result of these blatantly reckless, wanton and intentional acts, I have suffered and continue to suffer general and specific damages.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXXXXXX XXXX  XXXX Balance : {$8600.00} ; XXXX  XXXX Balance : {$370000.00}.
Product: Debt collection

AMCA Collection agency have listed this debt for several years representing XXXX XXXX XXXX XXXX. It was settled with one of their many collections agencies XXXX XXXX XXXX. I am sure this debt has been paid more than once, most recently XX/XX/2018. Either they of XXXX XXXX have not corrected their records.
Product: Credit card or prepaid card

We have a credit card that we don't normally use so we don't normally check it once my wife checked in with noticed a charge from a company in XXXX XXXX XXXX XXXX  XXXX SHE FOR {$110.00} contacted card member services they returned the credit but then reversed the credit saying that it had been too long after the charge occurred for reporting it gave us a case agent XXXX XXXX we tried to contact XXXX XXXX his voicemail was always full he would never return a message and then he denied our claim simply saying it has been too long since the original charge we had our lawyer write a letter and explain the circumstances to XXXX XXXX and asking him what the parameters were and the rules and he would not give any explanation other than it had been too long to file a claim so we took the advice of our lawyer and contacted this service The credit card is issued by US Bank Representative XXXX XXXX U.s. Bank cardmember services XXXX XXXX XXXX Case number # XXXX The charges occurred on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX  Provisional credit was issued XXXX XXXX XXXX XXXX XXXX has to have someone above him
Product: Credit reporting or other personal consumer reports

I've pulled my credit report and contacted Best Buy/CBNA the following creditor to settle and pay off the charge from a credit card that was opened in 2013. When I called the numbers listed under the XXXX credit bureaus the creditor advised the account is not active, I was unable to locate the account and provide additional phone numbers and I received the same information, but I was unable to locate the account with the name, social security, original lender, address given. 

I've done my due diligence in multiple attempts getting contacting the creditor over the past months and they are unable to locate the debt. 

I am requesting this creditor be removed off my credit report. 

XXXX BEST BUY/CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BEST BUY/CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number XXXX XXXX XXXX XXXX XXXX BEST BUY/CBNA Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX XXXX XXXX
Product: Debt collection

They called me and said they were out looking for me and I had an old debt to settle and I had to pay upfront. Tried to go on the website and I tried calling them but they won't answer the phone
Product: Payday loan, title loan, or personal loan

The payment history is not accurately reflected on the online account. There are no paper statements. 

I've made a payment of XXXX via an ACH transfer originating from my bank account on XX/XX/XXXX. It was received on or about XX/XX/XXXX. It is not showing as received in my online account with Upstart. Upstart is stating that another payment of {$27.00} is due and they don't have to show payment until the full XXXX payment is received. Due date was XX/XX/XXXX. 

However, I paid what was showing as due.Upstart is now claiming that the {$27.00} is a late payment that accrued since the payment was received after XX/XX/XXXX. However that late payment was not due and owing as of XX/XX/XXXX. 

SInce there are no statements, I can't demonstrate that what I paid was what was due at the time. They are inaccurately adding a late payment and making it due retroactively. 

Furthermore, they are stating they will report my account as 30 days late despite my having paid the amount due PRIOR to the expiry of 30 days. 

The amount paid is inaccurately stated AND the late fee is being inappropriately allocated. The late fee would be due and owing on the next statement. There are no statements for me to demonstrate this error to the credit reporting agencies.
Product: Checking or savings account

Hi, I opened an account with Truist Bank, they did not mention I would need to go in a branch. 

After taking XXXX dollars in deposit, they now blacked out my account, so I can not log in. They said I need to go to a branch to unlock it. So I asked them to close it and mail me a check. They said ok. They did not close it. I called a week later and now they are saying they cant close it. 

I want my money returned and the account closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL RISE and Stand! This is a sovereignliving articleiii XXXX  [ XXXX XXXX ] XXXX XXXX XXXX am the sovereingeliving justice Diplomat ; XXXX  XXXX XXXX and the owner os all property XXXX ; XXXX XXXX XXXX XXXX in XXXX. 
The claimants herein I only have pecuniarywages and have been illegally taxed, harassed, for her wages are not that of commodities or excised but sweat equity only. 

Cease and Desist thereto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX NV XXXX XXXX CA XXXX XXXX XXXX RA XXXX. 

You have breached the peace and trespass on a private Temple Domain Domicile worship center located at XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX ]. 

Notice of trespassupon private gated community property XXXX NV XXXX near [ XXXX ]. All contracts are and have been canceled with XXXX XXXX XXXX Bank ] Assessors and Assigns and XXXX XXXX Investigations due to fraud. 

On this day approximately XXXX our security cameras noticed a caucasianmale black hat grey long sleeve shirt black pants snooping around the private domicile. 

Lead XXXX XXXX XXXX contacted the card left in the door window area by phone and stated that the entity named in all capital letters does not dwell at this domicile temple location and as such is not a real woman or man. 

The appearance of the name left in comments appears to be a trust and such is private with a $ XXXX lien for anyone trespassingon the name title and appellation. 

As such the woman on the phone continued asking for said personref # XXXX XXXX XXXX XXXX once again this title name is a trust not a real woman. 

It appears that XXXX XXXX  XXXX XXXX XXXX has mislead the person named XXXX of XXXX XXXX alleging falselythat the property is not paid in full. 

We are providing proof of said paid in full documents whereas the name on the card does not match the woman owner of said property. The owner of the private property is XXXX XXXX a real woman not a corporationnor an entityand such woman in living flesh and blood is a XXXX  XXXX American not a US Citizen.Please cease and desist any attempts to make theft of private property and trespassingupon all private property be it land automobile car etc, ... as well as the Trust named XXXX XXXX XXXX XXXX where all property are held within. As such we have filed a lien againstXXXX  in NV and MI and shall provide such informationas needed. 

Any attempt to make theft of this private property domain domicile automobile or car shall result in a claim filed against XXXX Investigations and or added to the liens filed againstXXXX XXXX XXXX Bank XXXX .This debt has been discharged tendered in full and a 1099 c filed with the US Treasury IRS agency thirdparty filed XX/XX/XXXX, XXXX.Respondentshave made illegal approaches to make theft of private property by calling familyand friendsalerting others of a private matter by cell phone please see FDCPA. 

They have also contacted others in different states please see the FDCPA. You are being provided copies of the Tender of Payment Act of XXXX and XXXX, the laws concerning the Tender of Payment.
Product: Checking or savings account

I was issued a {$100.00} refund from XXXX app on XX/XX/24 that was supposed to post to my debit card attached to my Sofi checking account on XX/XX/24, which did not happen. When I called the SoFi bank on XX/XX/24, I was told it would take up to XXXX business days to receive a refund. I then received an email acknowledging the dispute but it would now take 90 days to resolve. I called SoFi bank on XX/XX/24 and was told by consumer service at SoFi bank that the investigation was still in progress and there was nothing they could do. 

I called again on XX/XX/24 and once again was told that the investigation was ongoing and there was nothing that could be done but wait. 

I feel that I'm getting the runaround from SoFi since they are an online bank.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX XXXX  CA XXXX XXXX XXXX Bankruptcy Reference # XXXX Federal XXXX  XXXX Bankruptcy Reference # XXXX U.S. Bankruptcy Court XXXX  XXXX Bankruptcy Reference # XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I contact Equifax in XX/XX/XXXX about two inquires on my report. They sent me a letter indicating that the two inquires will be deleted, but my report as of XX/XX/XXXX still shows these inquires from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.., I found that under section XXXX ( a ) XXXX, Equifax, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business XXXX after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required XXXX  Report for you ( which complies with FCRA XXXX XXXX ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the XXXX, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate XXXX XXXX XXXX XXXX law enforcement agency, including the XXXX XXXX XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business XXXX after the date of receipt.
Product: Consumer Loan

I had a loan with XXXX XXXX, that originated XX/XX/XXXX for {$35000.00}. By XX/XX/XXXX I was unable to continue to make payments on the balance of {$7700.00}, as I was in danger of losing my home and had to use any available cash to make my mortgage payments. 
According to all three of my credit reports this debt was charged off XX/XX/XXXX. 
XX/XX/XXXX I received a notice from the SBA, dated XXXX/XXXX/XXXX, that I had a debt due to them for {$5800.00}. On XXXX XXXX, XXXX I asked for records in regards to this debt, which were sent and received XX/XX/XXXX. 
I researched my records and SBA records. When I called the SBA, on XX/XX/XXXX, to discuss the amount that was truly owed, I was told that the debt was forwarded to the Department of Treasury for collection. 
After talking to the Department of the Treasury on XX/XX/XXXX I filed a Cross Servicing Dispute. I had been told that I could not enter into any payment plan until issue were resolved with the SBA. 
During the time I have been trying to resolve the issue of whether or not or I had been given due process by the SBA, the Department of Treasury has intercepted {$2100.00} of money due to me from the Department of Health and Human Services. They have also sent this debt to a collection agency and added fees and interest of {$1600.00} and {$62.00} respectively. 
I do not dispute that I may indeed owe the SBA some money. 
The contract with the SBA, XX/XX/XXXX was to guarantee 50 % of the loan with XXXX XXXX. The amount that is truly owed has not been made clear to me. 
Why did it take five years for the SBA to contact me? I communicated with them about this debt within the 60 day time frame on the notice yet, now I have been sent to collections as if I have paid no attention to the original notice from the SBA dated XXXX/XXXX/XXXX. 
I have documentation for all I have stated in this letter. 
Please help, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Midland Funding LLC has not sent me proof of my obligation of this alleged debt as requested, and continues to report this trade line to the  XXXX  major credit bureaus. This is creating major issues for me, as this is causing high interest rates, application rejections and a lowered   credit score.
I disputed these two accoun  ts on  XXXX   XXXX  of this year through  XXXX ,  XXXX  and  XXXX  to no avail. To date,  Midland Funding  has continued to ignore my requests for validation and ignore my consumer rights.     I believe that this account does not belong to me. I requested documents from their files used to verify this account. Under the Fair Credit Reporting A ct, 15 U.S.C. 1681g I   have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. All unverified accounts must be promptly deleted.     Who verified these accounts? What documents did they use to verify? Where are these documents used to verify these accounts?     I have not received any correspondence for these accounts. This company is in violation for continuing to verify the accounts with the credit bureaus without providing the evidence as requested. I believe that Midland Funding LLC can not tie me to this account, otherwise, it would have been provided with my initial request. Midland Funding LLC is blatantly disregarding the law and consumer rights.
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries XXXX XXXX XX/XX/2023 and XXXX XXXX  XXXX XXXX XX/XX/2023! I have asked for them to be removed by the credit bureau but they have not done as I have asked. I am providing an Identity theft report as an attachment. I am requesting the inquiries to be removed because it is inaccurate and not mine.
Product: Prepaid card

I have been trying to use XXXX American Express Gift cards, one for {$50.00}, and one for {$25.00} that were given to me online, on XXXX and XXXX, and to make a payment towards a trip, and it is constantly declined. On XXXX, because it was declined, my other credit card was charged, which I didn't want or expect. I called the company, and it was difficult trying to reach someone, but I finally did. His solution was to use it in a store. I don't often shop in stores, so that defeats the purpose of the card. He also said I have an " old card '', ( but it is not expired yet ), but did not offer to send me a new card. Apparently that won't make a difference because he said that when you make a purchase online, the merchant has to send for some kind of code from American Express, and I guess the online merchants can't do that. My card will be expiring soon so I asked for a new card, and again, he just said try to use it in a store and then if it expires, to ask for a new card. So then I will have to wait even longer. On their website it says " American Express Gift Cards and XXXX XXXX XXXX can be used virtually anywhere American Express is accepted in the US. ", which is very false.