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

I received a solicitation to open checking and savings accounts at Chase in order to qualify for a {$900.00} bonus. In order to receive that bonus I need to deposit $ XXXX into the savings account. I added my external account and verified that account for use via micro deposits and scheduled a transfer on XX/XX/XXXX to meet the requirements of the advertised bonus. I got a confirmation screen with a green check and thought I had completed the terms required to receive the bonus. 

I realized that something was wrong with the transfer after a few days when the money wasn't in the account. I didn't receive any notification that my transfer was rejected. I had to go through my transfer history and click for more details to find the message that " We rejected this transfer. Please contact us if you need more info. '' I tried on several subsequent occasions to make the transfer but each time my transfer was rejected. I called the chase phone number on XX/XX/XXXX and confirmed via a one time pin to my phone number on file at which point the agent told me that if I tried to schedule a transfer after I had completed that verification it would go through. Unfortunately my transfers continued to fail. After several additional attempts I called Chase again on XX/XX/XXXX. I talked to the fraud department who couldn't identify any issues with the account and was transferred to the external account team where I again went through verification via one time pin. I stated that I had done this before and asked if that it did not actually work to enable me to make my transfer. Still, I completed the verification and asked if there was any additional level of support or verification I could do in order to actually get transfers completed. The agent advised that there was nothing else that could be done. I asked if I could speak to the next level of support and she transferred me to a supervisor. 

When taking to the supervisor I asked if there was any way to actually ensure that my transfer would go through and was told that I could not initiate a transfer from an external account within the chase app and that this capability was being shut down. XXXX presented were sending a wire or depositing a check. I stated that I did not want to pay to send a wire and that I should be able to use ACH to move money into the account and the Chase representative told me again that it was impossible because Chase ( and numerous other banks ) were completely shutting down the capability to initiate XXXX transactions from external accounts. I asked if I could file a complaint and was asked repeatedly what I wanted to complain about because making a transfer from an external account was simply an unsupported activity and so I couldn't file a complaint about it. Eventually the Chase representative said they had filed a complaint and disconnected.
Product: Vehicle loan or lease

On XX/XX/2023, XXXX bought out my remaining lease from Hyundai Motor Finance using a payoff quote provided by XXXX  on XX/XX/XXXX which was valid through XX/XX/2023. Hyundai claims that the payoff quote was erroneous and {$400.00} short. I was not made aware of this issue until XXXX when a lien was put on me and my credit score ( which had been perfect ) immediately plummeted. 

I have spoken with Hyundai many times in XXXX and XXXX. XXXX finally agreed to pay the remaining balance of {$400.00} to close the account but Hyundai has still not closed the account and released the title to XXXX. 

Attached are all the relevant pieces of information you need to make this right and to help repair my credit. I can not access any financing as a result of a " serious delinquency '' that Hynundai put on my credit report, the result of an error by someone on at Hyundai. The alleged extra payment has been made but Hyundai is still being unresponsive. 

Thank you in advance for your help. 

XXXX XXXX Attachments 1. the payoff quote from XXXX XXXX Hyundai of XXXX from XX/XX/2023 showing a remaining balance of {$24000.00}, good through XX/XX/2023. 

2. the lease agreement with XXXX dated XX/XX/2023 showing the payoff amount of XXXX based on the quote. 

3. the payment history from Hyundai Motor Finance showing that the check XXXX paid to Hyundai was posted to the Hyundai account on XX/XX/2023 ( well within the " good through '' time period ) 4. a copy of the cleared check from XXXX paying the alleged remaining balance of {$400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from Experian. They said everything is 100 % completed and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

Account Name : XXXX XXXX XXXX XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).
Product: Credit card

I am a victim of multiple counts of identity theft by an individual I filed police reports and an IC3 report against. In XX/XX/XXXX, a business credit card was opened fraudulently in my name. The perpetrator racked up {$24000.00} of charges in my name and in XX/XX/XXXX, I discovered the account and reported it as identity fraud to Chase. 

In XX/XX/XXXX, Chase denied my claim and I filed another one. I provided additional documentation, such as two police report numbers that I filed against the individual for an ongoing investigation of identity theft. I also submitted an FTC Identity Theft Report and IC3 FBI report, and proof of address to show that the business card was mailed to an address that was not mine. Chase denied my claim again and stated that I was responsible for the debt. 

Evidence that the card was not opened in my name includes charges on the statements that show the perpetrator 's name. Also, all the purchases were made in a state that I did not reside in. Furthermore, the address on the statement is that of the perpetrator ( and not my address ), further showing that the perpetrator had the business card mailed to his address. 

I would like Chase to resolve this by accepting my identity theft claim, removing the charges, and removing the report from all of the credit reporting agencies. This has negatively impacted my credit score by XXXX points and Chase has yet to do anything about the claim/provide further information about the investigation despite two months of me consistently calling and following up. It has been an incredibly frustrating process and I do not believe Chase is incentivized to look into my report as identity fraud despite all of the evidence I have provided.
Product: Credit card

I am writing to request the immediate removal of an inaccurate late payment entry that still appears on my credit report across all three major credit bureaus XXXX XXXX XXXX XXXX 

I initiated a dispute through XXXX XXXX regarding this entry, and the investigation confirmed that the negative information had been reported in error by the creditor. The dispute was resolved in my favor, yet the late payment record remains listed in my credit history. 

This ongoing error is negatively impacting my credit standing, despite the official correction. Therefore, I am requesting that your bureau remove the inaccurate late payment entry without further delay, in full compliance with the Fair Credit Reporting Act ( FCRA ).
Product: Credit card

I am a client of American Express. I just found I got a negative membership rewards balance. And I was told that it is because I cancelled my personal platinum card, which ends with XXXX, on XXXX XXXX 2016. 
Here is my case. I cancelled my personal platinum card because I got another Platinum card from XXXX XXXX. Basically, I called the number at the back of my personal platinum card and talked to XXXX of your representative. After a conversation, he said that I could cancel my account. I particularly asked him questions " Is it okay I cancel my personal platinum card in such a short time? '' " Will Amex think me misuse my card and claw back my points earned with that platinum card? '' He told me that it is okay for me to cancel my first personal platinum card since I got the platinum card from XXXX XXXX, which has the exactly same benefits. What 's more, he told me that American Express would not claw back my points earned by that card since the points have been posted to my accounts and I met the spending requirements. 

I told him that the only reason I would like to cancel my personal platinum card is because I have the platinum card from XXXX XXXX recommended by a staff in XXXX XXXX when I opened my brokerage account there. If at that time the representative told me that cancelling the personal platinum card might make American Express think me misuse the card, I would never do that. I really do n't mean to misuse the card, or just to win the sign-up bonus intentionally. I love the products and services provided by American Express ; I use the different Amex cards in my Everyday Spending ; I never missed a payment in the past. Honestly, I would like to develop a nice relationship with American Express. 

I tried many times to explain my situation to Amex. However, I just found that American Express are really rude. They told me that it is not their responsibility that I were given the wrong information by the customer representative. And it 's all my fault to cancel the account. This is unbelievable. I was mislead by Amex, now they are taking advantage of that. I know, I am just an individual customer of American Express, and American Express is big financial company. But I will defend my own right and will not let Amex bully me.
Product: Student loan

I submitted an XXXX Plan Request to MOHELA on XXXX asking to have my payments recalculated in light of my XXXX  federal tax return. On the form, I authorized MOHELA to access my financial information from the IRS. 

I received a letter from MOHELA dated XXXX. The letter did not acknowledge my XXXX  Plan Request and directed payment. 

I received a letter from MOHELA dated XXXX. The letter did not acknowledge my XXXX  Plan Request and directed p [ ayment. 

I received a letter from XXXX that was postmarked XXXX. The letter identified XXXX as the guarantor of the loans. I assume this is the start of some sort of collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below listed accounts with XXXX were deleted and are not on my credit report. These accounts should NOT be reporting with Transunion or XXXX either and need to be DELETED IMMEDIATELY. They are as follows : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX A phone conversation on XX/XX/2022 with XXXX disputing accounts confirmed that these accounts were no longer reporting and were deleted XXXX That phone conversation 's confirmation # is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Delete the fraudulent account reporting from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX And I except payment within 10 days of this notice. 
See followed attachments NOTICE TO PRINCIPAL IS NOTICE TO AGENT, NOTICE TO AGENT IS NOTICE TO PRINCIPAL XXXX : XXXX as Beneficiary of the XXXX XXXX XXXX XXXXUCC ALL RIGHTS RESERVED Without recourse
Product: Mortgage

In XX/XX/XXXX I submitted a HAMP modification application. While XXXXmy application was pending, in XX/XX/XXXX, I contacted my SLS Point of Contact to inform SLS that my wife 's income source had changed. The SLS Point of Contact suggested that I re-send the income portion of the RMA to reflect the updated information. I followed his suggestion and re-submitted the RMA in XX/XX/XXXX. When I subsequently called to follow up, I was told by a different SLS representative that they did not accept the updated information, and that I needed to re-submit an entire new application. I then submitted a complete new application on XX/XX/XXXX. Yet another SLS representative confirmed receipt of my application, but told me that there was an outstanding issue regarding my ex-wife. I explained that I had been divorced for over five years, that the property was awarded to me in the divorce settlement, that my ex-wife had returned to XXXX permanently, and that I had already provided SLS with, on numerous occasions, the divorce decree and quitclaim deed executed by my ex-wife. When informed of this, the SLS representative told me that he would accelerate the case with my supervisors. When I called back to follow up two weeks later, I was told that the issue had not been resolved, and that I would need to re-submit an entirely new modification application, despite the fact that it had been less than a month from my previous complete submission. I sent yet another complete modification submission on XX/XX/XXXX, but my Point of Contact did not return repeated messages to confirm receipt. In XXXX I received a letter from SLS denying me for all programs because " you did not provide us with the documents requested '' and reference an alleged prior missing document letter that I never received. It seems as though SLS based their denial on the XX/XX/XXXX submission and never even reviewed the three XXXX 3 XXXX more recent modification applications that they themselves requested and they did so despite numerous telephone conversations discussing the new information that was provided, and confirmation from their representatives that the requested documents were received. I again spoke with an SLS rep ( " XXXX '' ) on XX/XX/XXXX, who told me that it was my fault that I submitted the wrong documents to SLS, and that my updated documents could not replace the original RMA submitted in XXXX. She told me that once again I needed to submit an entirely new application for modification. I submitted an updated, complete, new package once again on XX/XX/XXXX via XXXX. Three days later, I received a letter from SLS ( attached ) confirming documents received, but incredibly, the letter references the documents I submitted back in XXXX instead of the updated documents! 
I have complied with four separate requests for complete new packages since XX/XX/XXXX and yet, apparently, SLS has not updated their system to reflect all the new information provided. Instead, they cause needless delay while the foreclosure moves forward. Please help.
Product: Mortgage

We were told by Bank of America ( BoA ) that we were required to pay Flood Insurance. They added the cost to our mortgage payment as escrow. We disputed it, telling BoA that the home was not in a flood zone and were informed that based on the FEMA map it was in a flood zone. My wife called to find out what we needed to do to get this Flood Insurance requirement removed. She was told by the BoA representative that we need proof from FEMA that the home was not in a flood zone and that we would have to pay the Flood Insurance premium until we provided such proof, but that if we were correct and the home was n't in a flood zone the Flood Insurance premiums would be returned to us if we requested a return of paid premiums. 
We provided the FEMA determination and a request for a return of the paid premiums and called to follow up. We were directed to contact the insurance branch of BoA who informed me that what we provided only removed the home from the map as of the date of the letter. I contested that this means the home was and is not in a flood zone and the letter also says that any XXXX will refund the premiums paid for the current policy year. At which time the representative informed me that we did n't have XXXX, even if our escrow account says Flood Insurance. And they would not be refunding our paid premiums. 
I told her that " they misinformed my wife and that they just want to keep our money. We never needed the insurance and do n't need it now and this money should be refunded. '' to no resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a 30 days late payment in XX/XX/XXXX and XX/XX/XXXX regions bank acoount # XXXX.I was never late.The information is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX , XXXX Inquiry Date : XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  am very concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this ... XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was exposed in a data breach and as a result I am now realizing that I have been a victim of identity theft numerous times. I saw that there was a XXXX XXXX account fraudulently opened in my name in XX/XX/XXXX. I submitted the first identity theft disputes to the credit bureaus with my FTC identity theft report in XXXX of XXXX. The bureau disputes came back " Verified '' from XXXX XXXX. I assumed this was just a technical mix up so I continued to submit multiple re-disputes but still got the same responses. I then decided to file a CFPB complaint against the bureaus and XXXX  XXXX directly ( CFPB Case : XXXX ) on XX/XX/XXXX. I received a response from XXXX XXXX XX/XX/XXXX stating that they had no signed copy of an application to provide but that because the perpetrator ( s ) used my exposed social security number and date of birth and an address they claim is linked to me by public record that I would be responsible for the fraudulent debt. I have been dealing with this for 2 years now and I am tired and broken. I have lost numerous employment opportunities due to my credit and this ordeal has put immense stress on me and my family. I was victimized when my personal and private information was exposed in the breach. I was victimized when I realized I was a victim of identity theft and I'm being victimized again by XXXX XXXX 's refusal to release me from the fraudulent debt.
Product: Debt collection

Credit Report Agencies are saying that this account was open back in XXXX of XXXX in the amnt of {$520.00}, however, I never opened this acct with this company back in XXXX. This amnt needs true verification or needs to be removed from my credit report. I submitted an online dispute with the Credit Agencies online and stating that this amnt has been verified and true.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX  -- IDENTITY THEFT XXXX XXXX XXXX XXXXXXXX -- IDENTITY THEFT XXXX XXXX XXXXXXXX -- IDENTITY THEFT XXXX XXXXXXXX XXXX XXXX XXXXXXXX -- IDENTITY THEFT XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX -- IDENTITY THEFT XXXX XXXX XXXX XXXX -- IDENTITY THEFT UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XX/XX/2022 XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing a complaint with Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds stating the account is accurate while providing zero evidence of any investigation or proof. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 


These are the accounts that I have marked as inaccurate : Portfolio Recovery, {$530.00} XXXX XXXX XXXX, {$320.00} XXXXXXXX XXXX XXXXXXXX, {$160.00}