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

Over the past several years since opening my Chase sapphire card in 2016, I have been subject to identity theft/fraud on this account on multiple occasions. Each time a fraudulent charge ( s ) have been found on my account, I opened a claim with the Chase XXXX Department, which many were ongoing and under still investigation with no updates. 

I recently was enrolled in paperless statements without my knowledge I guess sometime last year by unknowingly clicking to enroll in it on my online access. As a result, I never received a mail copy of the Notice of Claim ( s ) resolution in which they conveyed action through issuing a credit in the amount of {$21000.00} to my account balance, which put me around a zero balance with my {$21000.00} credit limit. 

Because I never was notified by mail or phone call of the claim resolution, I was terrified of this payment viewing my statement and thought it was criminal activity on my account. When I called Chase to ascertain the origin of this {$21000.00} payment, they never gave a clear answer and did not convey the identity/origin of the payment, which showed as a " phone payment '' on the statement, when it really was a credit from the XXXX XXXX  at Chase. As a result, I told the to reverse the payment, which of course, they promptly did. 

Whenever I would call and speak to multiple people, no one would acknowledge that it was a credit issued from the XXXXXXXX XXXX  as a result of the multiple fraud claims being open and I had no idea about the notice letter which explicitly conveys it was the XXXX XXXX resolving the claim in my favor. They exploited my ignorance, busyness, and age in having difficulty accessing online access to my chase account which show the statements and notice letters, ( which I never received in mail because of my unknowing enrollment in paperless notifications ) which clearly show where the origin of the credit/ '' payment '' came from. 

Being a physician on call 24/7, I am very busy and do not have time to call chase for 2 hours on hold without any progress and such ambiguity of answers, which I have had to do on multiple occasions with no progress. So, I just dealt with the balance and made payments on it since with 26 % interest ( paying about XXXX a month in interest with the large balance ). 

Recently with the help of my son who acknowledged it was probably the XXXX XXXX that issued that payment, we went to a branch to get this resolved. No one would acknowledge where the " phone payment '' came from, or the " reversal of such payment '', as shown on the statement. Payments clearly are not shown are payment reversal unless it is because of insufficient funds. This shows the unethical and dishonest practice they do with wording at their convenience, with the customer suffering at their greed. It was clearly chase that issued the credit, and they were exploiting my ignorance and incompetency for their gain. This is highly unethical.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of my account ( # XXXX ) with your organization. This account allegedly originated with XXXX XXXX XXXX and is being reported inaccurately and inconsistently across the three major credit bureaus ( XXXX, XXXX, and XXXX ). Your actions violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I demand immediate correction of these errors. 

Account Information Creditor Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Balance : {$5900.00} Status : Derogatory ( Collection/Chargeoff ) Last Reported : XX/XX/XXXX Violations of the FCRA Inaccurate Reporting 15 U.S.C. 1681s-2 ( a ) : The account is being reported inconsistently across the credit bureaus. For example : XXXX : Reports the account as opened on XX/XX/XXXX. 

XXXX : Reports the account as opened on XX/XX/XXXX. 

These inconsistencies violate 15 U.S.C. 1681s-2 ( a ), which requires creditors to provide accurate and complete information to credit bureaus.

Failure to Investigate Disputes 15 U.S.C. 1681s-2 ( b ) : I have attempted to dispute these inaccuracies directly with your organization and the credit bureaus, but the errors have not been corrected. This is a violation of 15 U.S.C. 1681s-2 ( b ), which requires creditors to promptly investigate disputes and correct inaccuracies.

Failure to Provide Proper Notice 15 U.S.C. 1681c ( f ) : I was not given proper notice of this debt being reported to the credit bureaus, as required by 15 U.S.C. 1681c ( f ). This law mandates that creditors notify consumers of negative information being reported.

Failure to Update Information 15 U.S.C. 1681c ( a ) : The account is being reported as a collection/charge-off, but there is no evidence that the debt is valid or that I was notified correctly. This violates 15 U.S.C. 1681c ( a ), which requires creditors to update information to reflect the account 's current status. 

Legal Precedent In the case of XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court held that creditors are responsible under the FCRA to investigate consumer disputes and correct inaccuracies in credit reporting. The court ruled that the creditors failure to conduct a reasonable investigation was a violation of the FCRA. 

Additionally, in XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court emphasized that creditors must ensure the accuracy of information reported to credit bureaus and correct errors upon notification. The court found that the creditors failure to do so constituted a violation of the FCRA.
Product: Credit card or prepaid card

Recently on XX/XX/2018, I spoke with a representative from XXXX XXXX XXXX, I'm coming close to 2 years with them and their financial department is very unhelpful. My payments were roughly $ 31 monthly, I have been late 2 or 3 times due to financial hardships and I do understand that payments go up for late payments, now up to date my payments with XXXX are now roughly {$80.00}. I spoke with the representative and asked if they can assist me to help me keep my payments at least in the $ XXXX- {$50.00}, but the rep was very unprofessional and explained the process if payments are late and the APR goes up, she basically told me " I don't know what you want me to do '' even when I asked if I can keep my payments at a payment that I can afford. Long story short I told her I can't afford these payments and if you are willing not to help me to keep my payments at an affordable rate to send my balance to a collections agency, all she said was " okay that's fine, best of luck to you ''. Not only am I receiving a high payment, but very horrible and unprofessional customer service from XXXX. Please be aware for anyone who is considering getting XXXX XXXX XXXX.
Product: Mortgage

For the past 8 years I have been submitting NUMEROUS complaints on behalf of a delinquent mortgage that has changed hands REPEATEDLY since then containing multiple errors including a FALSE IDENTITY then finally discovered that XXXX XXXX was behind the fraud scheme the entire time as you know. I have been reporting the loan ORIGINATORS the WHOLE ENTIRE TIME ONLY TO BE LAUGHED AT AND CLOSED MY COMPLAINTS>>>>>>>>>>>>>>>justice will be served.
Product: Credit reporting or other personal consumer reports

I ask agency to do a investigation on my information which they never did a full investigation so that would make what they are reporting inaccurate I ask for written signature proving I was the alledge buyer for XXXX XXXX account thats just started reporting but said account was closed so it shouldnt still be reporting a delinquent specially if its in bankruptcys means it been paid plus the bankruptcy not in my name do yall still reporting it to the wrong report usc code 15 everything must be accurate / correct on any consumer report this the law
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$2600.00} Closed 13 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$2600.00} {$3800.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$690.00} Highest balance - Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 120 120 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - - XXXX XXXX XXXX XXXX XXXX - On Time XXXX  Charge off 120+ Days Late 30 Days Late 60 Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments Account closed at credit grantors request Your statements- Contact XXXX XXXX XXXXXXXX XXXX XXXX XXXX SD XXXX By Mail Only Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX ) 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 ( MONTHS REPORTING LATE ) 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. 

XXXX XXXX ) 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: Credit reporting or other personal consumer reports

My credit report is still showing late payments on ACCOUNT/S.Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or a customer service representative. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit file I have come across information reported from XXXX XXXX XXXX/XXXX  that is incorrect. On XX/XX/XXXX I spoke with XXXX at XXXX XXXX XXXX XXXX and was informed that all my accounts were current in the amount however an account in the amount XXXX and XXXX has never been late because it does mot exist.XXXX also stated that XXXX has not reported anything to either credit agency yet I have negative incorrect possible fraud accounts from there company listed.XXXX also informed me that it would be updated within 24 hours. On XX/XX/XXXX I spoke with XXXX and XXXX and they both informed me that these 2 account never existed however the ones that I do have are current and never been late. Yet all 3 credit reporting agencies are still reporting this inaccurate and based on XXXX and XXXX fraud info. I myself have never known about an account in the of XXXX and neither have I known of one in the amount {$6500.00} and I also know I HAVE NEVER EVER BEEN LATE ON ANY ACCOUNT THAT I MAY HAD. Please remove these accounts from my credit file immediately. As I have never ever been late on a student loan the loans I have are being paid on time and these loans do not exist or could be a result of identity theft as I have been a victim of.
Product: Money transfer, virtual currency, or money service

With my PNC Virtual Wallet account, for some reason my Reoccurring monthly payment on the XXXX of the month to my car loan with PNC did not happen. I had no idea why. I talked on the phone to PNC today after my husband notified me that there was something that popped up on XXXX XXXX. PNC Virtual Wallet costumer service said they did n't know the problem but would transfer me to the car loan department. I paid what was owed with the money that was in the account waiting to be transferred. However, that does n't fix the problem that I never manually decided to not do an XX/XX/XXXXpayment, and then I fell behind. While PNC Virtual Wallet has my correct number, and the car loan from PNC had my number, they were calling an old invalid number to the account to make us aware. Which is also something that I told the car loan department through PNC before to only call my number, when in fact they did n't call my number.
You will see in the documents that my XX/XX/XXXXcalendar from virtual wallet was missing the XXXX reoccurring payment. However, XX/XX/XXXX was n't missing. You will also see where I went ahead and paid current when noticing the problem today over the phone.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX DEPT OF ED/XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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. XXXX XXXX XXXX AND DEPT OF EDXXXX  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: Credit reporting or other personal consumer reports

XXXX refuses to fix credit report of false claims. XXXX was charged XXXX while in the XXXX  for 3 years. I can prove. They claim I gave permission to user who used my card even though the it is non transferable. I've been fighting more than 4 years. They ruined my credit and sold the sum to collection agency.
Product: Credit card

Dear Sir/Madam, JPMorgan Chase credit card is holding me responsible for the for the fraudulent charges. 
I really do not understand that why bank 's fraud department is holding me responsible for these charges and how come do they expect me to pay {$39000.00} which I never used and I should not be responsible for these charges. 


There is a clear evidence that these charges are fraudulent 1. Signature does not match on the sales draft from merchant. 
2. Why bank did approve large transaction for XXXX USD without any authorization from customer when transaction occurred outside USA? 
3. Bank 's fraud department must notify me either by email/phone/text for such a large transaction. I have not received any indication for these charges. I come to know when I checked my statement online after arriving to the USA. 
4. Do you think merchant should do their due diligence? they should check address on the driving license ( see attached ) when they are selling product. 
5. This is not my normal spending habit since I opened the card since 2011 6. Why chase credit card did not send any text alerts/email for such a large transaction? 
7. Why bank is not holding merchant responsible for these fraudulent charges? Merchant should check when he is selling {$220000.00} goods to the consumer. 
8. Fraud department had enough evidence which does confirm that I did not make these transactions. However, Chase bank is still holding me responsible for these fraudulent charges? Why?
Product: Credit reporting

I am filing a complaint against Chexsystems cause they have been reporting an ID theft charge off 's on my report and they have hindered me from being able to open a bank account. My report is showing charge off 's account with XXXX, XXXX, and several inquiries. The only inquiry that should be showing on my chexsystems is a XXXX XXXX inquiry which is how i found out of the fraud on my report. I need this removed from my credit report immediately. I am providing the police report that i filed with the XXXX county sheriff 's office,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX acct # XXXX Is reporting an account on my credit file that is not mine. I requested to be removed off this account a long time ago. I never signed any documents to be added on this card and it was in error. I am requesting for this account to be removed off my credit.
Product: Credit reporting or other personal consumer reports

Experian has failed to meet its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates Federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Cease and Desist from Contact Regarding account number : XXXX Dear XXXX XXXX XXXX XXXX  I am writing to formally request that you cease and desist all communication with me regarding the above-referenced debt, including but not limited to phone calls, letters, emails, or any other form of contact. This request is made in accordance with the Fair Debt Collection Practices Act ( FDCPA ). 

Please be advised that I am requesting you to stop all further attempts to collect this debt, and I ask that you refrain from contacting me again. If you continue to attempt to collect this debt after receiving this notice, I may file a complaint with the Consumer Financial Protection Bureau ( CFPB ) or my states Attorney Generals office.

Please confirm in writing that you have received this request and that you will comply with it. Per Section 623 ( A ) ( 1 ) ( A ) ( B ) you have been notified and you are not allowed to report moving forward. Also per section 15 USC 1681i ( a ) ( 6 ) ( b ) ( iii ) Im also requesting the procedure used to determine the accuracy and completeness of the information that is reporting. If you continue to report this debt you will be in complete violation of the law. I am also requesting that you provide me with written verification of the debt, as required by law, if you have not done so already. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting

I was on the site of another merchant when they had a tab for " free credit reporting ''. When I clicked on the tab I was told this was not free credit reporting and my credit card was charged at least {$1.00} with transunion with my debit card from XXXX ending in XXXX associated with checking account XXXX.and possibly will be charged again in the future. I already have similar services with other companies. I want this cancelled and my {$1.00} refunded and not to be charged in the future.
Product: Checking or savings account

I went into the XXXX, Minnesota branch of Wells Fargo Bank to close my business checking account. I had funds in the amount of XXXX XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents in the account. The teller counted out an amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and gave that to me. The withdrawal slip correctly stated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. At the end of the transaction, the teller printed out a receipt that I did not request, and therefore did not look at, but typed in XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  instead of the correct XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXs. This reciept is in error. 

Upon arriving home when I called the phone number the teller gave me to formally close the account, and I was told it could not close it because the account was overdrawn by XXXX XXXX dollars. Upon further investigation, I found that after I had left the bank, the teller, on her own, put in a Teller 's Check of XXXX XXXX dollars on the account to make it XXXX XXXX dollars overdraw. I did not at any time ever receive this extra XXXX XXXX dollars. I immediately contacted Wells Fargo, Corporate to open up an investigation and escalation. An escalation number was orovided but no further action has taken place. It has been over two weeks and I have subsequently gone back to the branch, who admitted their mistake, but has yet done nothing to correct it. Today, I contacted the branch manager of the bank who refuses to do anything about it and is leaving my account XXXX XXXX dollars overdrawn, even though I never received the XXXX XXXX dollars. I requested an audit, and nothing was done. I also asked, why the cash box that the teller used, the videotape of the transact, and the records of the machine that counted the money were never looked at. The manager stated that he hadn't got around to it yet. It has now been over two weeks, and the bank is not doing anything about this. It is my contention that XXXX XXXX dollars was embezzed, and the blame is being attempted to be put on me. I want this account XXXX  out and the account closed.
Product: Money transfer, virtual currency, or money service

Hello, Monetary Authority, my PayPal account is permanently XXXX. 
I received cash withdrawal email notification after 180 days of account balance, but I still can not complete the linked bank and cash withdrawal. I have contacted the customer service representative many times and the problem has not been resolved. Please help me, thank you