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

On XX/XX/XXXX a check was paid on our account. Received the statement on XX/XX/XXXX and called the bank the following day, to inform them that the check was fraud and never authorized. I was told XXXX was now pnc bank and a dispute was initiated. I was told I would receive a written letter within XXXX business days. I never received any correspondence. On XX/XX/XXXX I received a letter asking to call them with more details. I called and An escalation specialist pulled up the information and said the claim had been resolved. However my account was not credited and no explanation given. She refilled the complainant and gave me a reference number. Two more weeks went by and I called her four more times but she was not sure what happened to my case and told me to call the fraud department directly for answers as she could not see the screen to help me. I called the fraud department and was told they also could not see that screen and said they would call me back. They never did. On XX/XX/XXXX I finally went into the bank and spoke with a branch personnel. She called the fraud department but still got no where. After numerous calls from her I was told they ordered a copy of said check and to come in on Monday to figure this out. I went in on XX/XX/XXXX and spoke with the branch XXXX who filled an elder abuse claim and sent it to the escalation dept to get this resolved. I received a call from the escalation dept on XX/XX/XXXX. She told me the dept she needed to talk to closed at XXXX pm but would call me the following day. I am still waiting for that call. It is XX/XX/XXXX today. She informed me that disputes can take up to 6 months to resolve. Honestly this is ridiculous. The check was never authorized and was clearly someone taking advantage of the elderly. To compound matters the bank is now taking advantage and abusing their elderly customers.
Product: Credit reporting or other personal consumer reports

My account with the creditors was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end 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 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

I have filed a complaint about this issue before, and it is still unresolved. ( See CFPB Complaint XXXX ). I have been attempting to deal with this issue for 7 months. XX/XX/2020 we submitted a request for PMI removal. Eventually, NewRez responded and sent a local Broker to perform a Broker Price Opinion to establish current market value for our property. The Broker did not provide an accurate valuation of our property, as he compared our 5 bedroom +Office, 5,262 square foot home on nearly 2 acres of land with homes which were 3-4 bedrooms, 4,000 square feet on lots in most cases less than an acre in size. He listed our home as having 4 bedrooms, 2.1 bathrooms, 3080 square feet. Clearly, this was inaccurate. Despite NewRez requesting him to update information when presented with this, the Broker did very little. I am currently involved in a formal complaint against him with the Tennessee XXXX XXXX XXXX. However, despite hundreds of pages of documentation supporting our claim that the BPO was inaccurate, NewRez will not refund us the BPO fee, nor have they responded to any request we have made to pay for a full appraisal of the property. I emailed them again XX/XX/XXXX requesting this be performed. I received no response. I emailed them again today demanding someone contact me about this matter, or else I will be taking legal action against them. I have hundreds of pages of documentation about this issue, which detail how the Broker undervalued our home. I disputed the issue as requested by NewRez and provided them 6 additional comparable properties. They sat on it and never did a thing. At this point, I am at the end of my rope, and am out of patience. I feel them to be negligent in their duties as servicer of my loan. I am attaching copies of all documentation relating to this issue. This is the 7th CFPB complaint I have been forced to file against this company. They do not respond to phone calls or email communication apparently, unless it is about a CFPB compplaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. ) XXXX, XXXX and Transunion refuse to remove fraudulent accounts from my credit profile in which is a result of identity theft. 2. ) Their claims are without facts and they make statements such as the creditor certified the information. 3. ) Upon my request to to review the certification documents that the creditor certified all credit reporting agencies denied my access to review the file. 4. ) a creditor must not certify its claims ; it must verify its claims and alleged debts in which XXXX has not verified its alleged debt, there is no original contract between I and XXXX and I have never lived at XXXX XXXX XXXX XXXX XXXX ; XXXX Florida XXXX. XXXX. ) therefore no debt can be verified and must be removed and I am no longer to be harassed by XXXX over debt that is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXXXXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be removed from my credit. 


1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

3. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

4. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

5. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

Re : CFPB enforcement action filed XX/XX/XXXX against Equifax for failing to conduct adequate investigations of disputed and reinserted information in credit reports due to Identity theft. 

Due to the recent CFPB enforcement action filed against EQUIFAX on XX/XX/XXXX. I insist you conduct an investigation as you are required By the FCRA Law I will explicitly say do not accept the findings of the furnishers Who do not provide thorough results of their investigation, I am requesting that you provide to me in exact detail via XXXX mail and Not through your online portal. 
I am the victim of the XXXX EQUIFAX data breach, which compromised my personal information, This CFPB complaint has Been filed to request pursuant to FCRA $ 605B ( 15 U.S.C. $ 1681c-2 ) that you, the EQUIFAX Credit reporting agency , block information appearing on my consumer credit report within 4 business days of you receiving this complaint. This inaccurate unauthorized fraudulent account XXXX was previously disputed, blocked & deleted, then reinserted and is the Result of fraud and identity theft.

1. ) Identity Theft. 
XXXX Account Number : no account # was reported. 
Please perminately block, remove this inaccurate acct from my credit report. 
Failure to respond satisfactorily will result in legal action against your Agency.
Product: Bank account or service

My niece made a check out to me for a service my husband did for my sister at her home. I went to chase bank in XXXX, CA and they wanted to charge me {$8.00} to cash the check ... it is from their bank. What 's up with these people? I do n't understand, but I will be letting all my friends to be careful about doing business with them.
Product: Credit reporting or other personal consumer reports

I submitted a previous complaint in which the company responded as to what they found in comparison as to what is being reported on my CRAs. From the company, XXXX XXXX clearly the company has made some mistakes and inaccurate reporting to the credit agencies. In the response letter submitted it clearly states that the account found was opened in XXXX of XXXX and the opening date reported to the credit agencies states that the acct was opened XX/XX/XXXX, which is it? The company also states that a balance is still owed, if the opening date is inaccurate, then the amount is inaccurate as well. I have not received any documents requested from the company showing accurate records of any account. Please remove inaccurate and/or fraudulent information from my credit reports IMMEDIATELY as this is in clear contradiction of what is being stated and represented on my CRAs. It is also in violation of my FCRA rights and is adversely affecting my life and credit worthiness.
Product: Debt collection

So I had this debt removed off my XXXX and XXXX report they couldnt verify the debit but they will not remove it from my XXXX account and its charged off they keep calling threatening to take me to court if I dont pay
Product: Debt collection

This company was sent various certified letter 's requesting for my name to be disassociate from there company. I've never had any contractual agreement with Wakefield and Associates, nor have I signed any paperwork or documents stating that I agree to pay this company. The company sent me a letter stating that they will cease all credit reporting. This company continues to provide fraudulent reports.
Product: Payday loan, title loan, or personal loan

The XXXX XXXX trying to redeem the funds and I've been receiving payment Via email but the funds aren't in my XXXX account
Product: Payday loan, title loan, personal loan, or advance loan

I have a loan for my solar from Mosaic. My solar company has since gone out of business and my solar panels were up for less than a year before they stopped working. I contacted the owner of the company and he said Mosaic takes a portion of the cut for a safety net if this happens to pay for repairs if the company were to go out of business. I have a warranty from XXXX years on my contract and mosaic is doing nothing to help. If my contract is voided I shouldnt be having to continue to pay
Product: Consumer Loan

This account was opened by my ex-wife and it 's showing up on my credit file and ruining my credit.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

Multiple of these accounts where opened by identity theft due to my personal being leaked in the data breach did not open these accounts or give permission to anyone to open!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 90 days I have sent Information furnisher Portfolio Recovery Associates Inc two separate invoices, requesting payment for multiple consumer rights violations and fraud according to 15 US code 1692. The company has failed to respond to both my affidavit of truth as well as any response denying any claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Dispute of Alleged Deficiency Claim and Violation of FDCPA and FCRA Dear Sir/Madam, I am writing to formally dispute the claim of deficiency listed on my credit reports in relation to the repossession of a vehicle by XXXX XXXX XXXXXXXX XXXX as well as to report a potential violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2023XXXX XXXX XXXX XXXX repossessed the vehicle in question in the State of Florida and subsequently sent it to auction for resale. According to the laws of the State of Florida, as well as the relevant statutes such as the RISA and MVISA, a deficiency claim can only be valid if all necessary notices were provided in a proper and timely manner, and if the allowable redemption and cure time limits were strictly adhered to. 

To ensure the validity of the deficiency claim and the legality of the resale process, I requested XXXX XXXX XXXX to provide copies of the legal notices as well as proof of the commercially reasonable manner of the resale of the subject vehicle. However, despite the aforementioned request, XXXX XXXX XXXX has failed to furnish any such evidence within the designated time frame of 14 days from the receipt of my notice. 

Based on the lack of response and supporting documentation, I hereby assert that the alleged claim of deficiency is null and void. Any continued collection activities or reporting of this invalid claim on my credit reports would constitute a violation of both the FDCPA and the FCRA. 

I want to emphasize that I am committed to exercising my rights under the FCRA and seek appropriate recourse for any violations. Therefore, if XXXX XXXX XXXX singularly or severely fails to comply with the aforementioned requests, and if they persist in listing the disputed item on my credit report, I reserve the right to pursue legal action to seek damages against all parties involved. I am prepared to sue for actual damages and declaratory relief under the FCRA, utilizing all available State and Federal statutes and UCC-9 remedies. 

I prefer to resolve this matter amicably and avoid litigation if possible. However, I will not hesitate to use the courts as necessary to enforce my rights under the FCRA and seek the appropriate remedies. 

Enclosed with this letter are copies of the relevant documentation supporting my dispute, including the notice sent to XXXX XXXX XXXX requesting the legal notices and proof of the resale process. 

I kindly request that the Consumer Financial Protection Bureau undertake a thorough investigation into this matter to ensure compliance with the applicable laws and regulations, and to protect the rights of consumers like myself. 

Thank you for your attention to this dispute. I look forward to a prompt and favorable resolution.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of the following fraudulent account and inquiry from my credit report. I am a victim of identity theft resulting from a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items blocked and deleted from my credit report. 
Fraudulent Account XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$30000.00} XXXX XXXX XXXX. XXXX  - Date : XX/XX/XXXX
Product: Checking or savings account

The chain of events detailed below shows a series of errors and misinformation, resulting in unnecessary delays and inconvenience. I expect immediate resolution and compensation for this unacceptable treatment. 

On XX/XX/XXXX, I contacted U.S. Bank customer service to close my money market account due to insufficient interest returns. I explicitly instructed the agent to transfer the funds amounting {$220000.00} to my checking account. The agent confirmed that the transfer would take three business days. 

By XX/XX/XXXX, the funds had not reached my account. When I called to inquire, I was informed that, contrary to my explicit instructions, a cashiers check had been issued and mailed to my address. I clarified that this was not what I had requested, nor was it what the agent had communicated to me. Moreover, I informed them that I am out of the country until XXXX and unable to deposit the check. I was assured that a stop payment would be placed on the check and that the funds would be deposited into my checking account within three business days. 

On or about XX/XX/XXXX, after still not seeing the funds, I called again. The representative I spoke with could not locate any notes from my previous call. Nevertheless, I was once again promised that a stop payment would be placed and the funds would be deposited into my checking account within three business days. 

By XX/XX/XXXX, the funds were still not in my account. I contacted customer service yet again and spoke to a manager, who acknowledged that a mistake had been made when the cashiers check was initially issued. She assured me that she would try very hard to resolve the issue promptly and promised to update me via phone or email. I have since received no communication, and as of today, XX/XX/XXXX, the funds remain missing from my account. 

This has now gone beyond a simple inconvenience ; it is a clear case of mismanagement. Despite my repeated attempts to resolve this issue, U.S. Bank has failed to deliver on its promises multiple times, and I have been given conflicting and inaccurate information at every turn.
Product: Debt collection

XX/XX/2019 Sequium Asset Solutions Original Creditor 11 XXXX XXXX  Amount XXXX $ I have reported to Each credit company I do not know own this bill I was living with relative since I had a XXXX this is not my bill and I will not pay. I was victim of the breach and want this removed immeditaly. A person who is XXXX can not have cable tv.
Product: Checking or savings account

I spoke with JP Morgan Chase Bank on Tuesday XX/XX/2023, from XXXX to XXXX about three separate fees marked as Non-Chase ATM Fee-Withdrawal. I asked if this could be waived as I had to use the ATM outside of the country. I was denied this request. 

The three separate fees were charged on : XX/XX/2023 XX/XX/2023 XX/XX/2023 The representative let me know that these fees were charged due to me using a Non-Chase ATM machine and I am encouraged to use an ATM machine from Chase. I asked if JP Morgan Chase had international partners for when I had to take out cash as not all countries have a cashless society like one in the United States. They responded that they do not. I asked if there was an account that I could upgrade to where I can avoid these fees. They answered they do not. I asked then if I am already being charged separately for using the ATM by the ATM holder in the beginning and being hit with a {$5.00} charge every time from Chase, I'm out at least ~ {$10.00} per transaction ( in this case, the fee for using the ATM was 300 DOP per transaction which equals to {$5.00} ). 

This seemed unfair and a junk fee as JP Morgan Chase does not offer any international ATM partnerships or an option for me to avoid these fees outside of just not using an ATM when abroad which can be hard to avoid in some countries. They offer no resolution outside of just plan to use a Chase ATM at all times at all costs ( even inside the US if there are no branches within a 50 mile radius or if this is inconvenient ).
Product: Credit card

On XXXX We purchased 2 separate upgrades to international flights on XXXX XXXX. Issue at the airline and documentation provided showed the flight was no actually upgraded as the issues with the services at the time prevent the seats from working and not being upgraded. 

We attempted to resolve with XXXX while in XXXX and then again upon our return. The only thing we received was a {$25.00} voucher as an apology. We spent {$1900.00} times 2 for these upgrades and that is not acceptable. 

We disputed the 2 charges and provided numerous amounts of documents and signatures within he 60 days of the initial charge. They closed out the dispute because CItiBank is too big to research and resolve anything. 

Break up Citibank!!!! 

I want my dispute resolved ASAP.