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

I had opened a Chase small business account on XXXX A XXXX XXXX XXXX XXXX check of {$19000.00} was deposited in my account on XXXX. The amount was deducted from XXXX account of the maker of the check and a credit was shown in my account. 

Chase removed the deposit from my business account on XXXX and closed the account without giving me any reason. 

Chase have not returned the {$19000.00} that was deposited in my account to me, nor have returned the money to the XXXX bank. 

I have made multiple visits ( more than 5 times ) to Chase branch and called them on phone several ( more than 30 times ) times. Throughout the month of XXXX Chase representatives have repeatedly assured me on the phone that I shall be getting the {$19000.00} check in mail in the coming two or three business days but nothing was sent to me. 

On XXXX Chase representative told me on the phone that Chase has never received any money from XXXX and that they can not give me anything. Chase is also not willing to give me anything in writing or share any details as to what happened to the funds that were deposited in my account.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 60 days 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 84
Product: Credit reporting, credit repair services, or other personal consumer reports

I I can't access my XXXX XXXX because it has an old phone number and I can't and I can't fix it for my new number XXXX XXXX
Product: Vehicle loan or lease

Back in XXXX XXXX, I went in to XXXX to get an oil change. While doing so, I asked a sales representative, out of curiosity, what my buyout would be. He called Ally and after getting the numbers, I wasnt satisfied with them so I stayed in my lease and drove off in my car. In XXXX, I went back in to XXXX for an inspection. The gentleman wasnt able to do so due to a cancelled Registration my Registration was automatically reinstated after reaching out to the RMV, personally. Fast forward to XX/XX/XXXX, I left to get into my vehicle which was no where to be found around my apartment complex. After calling the local police department, they informed me that my car had been repossessed by Ally Financial. My payments were on autopay prior to the cancellation, but it came to my attention that any payment after that incident, wasnt accepted by Ally because they had my Lease as cancelled. I have been in the vehicle for almost two years, which will be the ending of my lease term, and never once has this happened to me. I still to this day, have not been given any reason, notice, etc regarding what may have happened. I have also not been given any proof of me ending my lease back in XXXX because I never did so. My vehicle is currently in possession of the repossession company and Ally is making me wait 7 days and pay {$3000.00} to get it out, on top of me having to pay {$500.00} for a rental car, and missing a week of work to handle the situation and find a way to transport to and from work, and/or anywhere else I need to go on a daily basis. Today, XX/XX/XXXX, the RMV has sent me proof that the cancellation was done by the Lessor/Lienholder . They are not taking action nor fessing up to their mistake. Between them and XXXX XXXX XXXX XXXX XXXX, MA, I have gotten no where.
Product: Debt collection

I had a secured credit card with Citicards for {$200.00}. The secured balance was used to pay off the {$200.00} credit balance. They took the secured balance, but are sending me a fraudulent bill of {$250.00}. Citi is charging {$250.00} for a balance I do not owe. I asked for itemized proof of this debt showing dates of how this balance was incurred. Citi can not provide proof of this debt. Please wipe this debt and remove from all of my credit reports. It is harming my credit profile and factoring into credit decisions that are influencing my finances.
Product: Mortgage

I have been waiting nearly 10 months for a decision on my short sale ( The process was started XX/XX/2021 and I'm still waiting for a resolution ). The mortgage company PHH continues to give me the run around by asking for additional information or more documentation. 

I've complied with their request each time, only for them to tell me that something else is missing from the file. Meanwhile, I continue to get requests to update bank statements and pay stubs because they have allowed it to expire during the review of my file. I have months of emails back and forth with them providing the information as requested, yet I still have no answer. 

I continue to call and get a new person to answer the call, only for them to give me incomplete or inaccurate information. 

The inefficiency and lack of customer service to facilitate the short sale of my home make PHH Mortgage Service the absolute worst company to work with in this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I retrieved a copy of my credit report and immediately noted that Diversified Adjustment had inserted a derogatory entry on my credit reports and had not sent me any correspondence ( dunning letter ) prior to doing which would have granted me 30 days as required by law to dispute the validity of the alleged debt. To that end, I communicated in writing ( see attached ), to the credit bureaus regarding this inaccurate, erroneous, unverifiable entry being placed on my credit reports. The credit bureaus responded, see attached. The bureaus responded that the company verified the information as correct. How so? A third party collection company can only validate a debt. The original creditor is the only one able to verify a debt. Nonetheless, Diversified did not advise the bureaus to update the account status to disputed. This is a violation. The dispute with the bureaus was the first notification Diversified received and should have advised the bureaus at the time they allegedly validated the information that they should update the entry to disputed. Diversified did not and as you can see in the attached document, it does not denote it was in dispute. This violation in and of itself warrants Diversified Adjustment to delete this entry. 

My continued efforts to remove this entry from my reports was through with a direct dispute to the company. Diversified responded to my dispute in their letter dated XXXX ( see attached ). They explicitly acknowledged that they were in receipt of my letter of dispute and request for verification. If they were previously aware of the dispute from the bureaus and advised the bureaus that the entry was correct, they were negligent in not advising the bureaus to update the account to disputed. As such, being in receipt and providing the requested documentation was to no avail. Diversified did not provide any documentation that bore my original signature nor did they provide or furnish an agreement reflecting their authority to collect on this alleged debt in the state of Georgia. Diversified did not provide a copy of all terms and conditions of the account from its alleged inception. They did not provide a complete accounting ledger of the alleged debt nor did they provide the name and address of the bonding agent in case legal action becomes necessary. Diversified blatantly violated my consumer rights and continues to do so. This alleged debt lacks veracity and verification ; further since they are violating FDCPA mandates to provide me notification prior to inserting it on my credit report and ( 2 ) failing to cease collection efforts and reporting when they received the letter of dispute. This entry should be deleted from my credit report immediately and Diversified Adjustment should remunerate me for the violations.
Product: Checking or savings account

JPMorgan Chase Bank ( " Chase '' ) transferred the funds out of a checking account and a savings account that I had maintained with them since XXXX into new checking and savings accounts after I was a victim of identity theft on or about XX/XX/XXXX. The identity theft involved someone setting up a fake joint account and transferring {$57000.00} out of the original checking account into the fake joint account on XX/XX/XXXX before Chase realized what happened and transferred it back into the original checking account before freezing both the original checking account and original savings account for suspicious activity although nothing had ever been withdrawn from the original savings account. The full amount that had been in the original checking and savings account were moved into the new checking and savings account on or about XX/XX/XXXX and I continued checking those new accounts almost daily and everything was fine with the correct amounts in the new checking and savings accounts through XX/XX/XXXX when the new savings account and the XXXX figure amount in the new savings account disappeared without a trace as if it never existing. When I went to a local Chase branch the next day the branch manager spent almost an hour on the phone with someone before figuring out that the new savings account had been pulled by a computer program which he described as a computer glitch which tagged the new savings account as suspicious even though nothing had ever been done with it other than transferring the amount that had been in the original savings account into the new savings account. I was promised I would get my money back into a brand new savings account after waiting XXXX business days and I am still waiting. What upsets me is that the new savings account with the XXXX figure amount disappeared from my online account without any notice to me whatsoever. No phone call, no text, no email even though I have every possible notification tagged on my online profile. I have still received no notification from Chase even by mail what happened to that savings account or acknowledging it was closed or that it ever existed. This has been very mentally and physically stressful to me. Plus, because I was keeping a low amount in my checking account thinking I would transfer funds from savings when necessary I was unable to make financial payments that were expected to be made this week.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, I discussed the potential that phony accounts may have been reported on my consumer file with representatives from Experian, XXXX, and XXXX. I begged them to delete the accounts because I didn't know how they got there or anything about them. All three businesses gave me the go-ahead to submit paperwork and complete an FTC report XXXX On XX/XX/22, submitted my letters via certified mail. The accounts were somehow " confirmed, '' despite the fact that they are not mine and had been on my report for more than 30 days after I sent my letters. This problem has me baffled and irritated since it prevents my family and I from being able to purchase. On XX/XX/22, I called all three companies once more and asked how they could establish that these accounts belonged to me. They only stated that they were unable to assist any further and advised me to contact the creditors directly. It didn't surprise me when I made an effort to get in touch with each creditor who had been erroneously asserting on the consumer file that they were unaware of me or the accounts. I had run out of options, so I went online and found the CFPB website, which some of my friends had advised would be helpful in my circumstance. I sincerely hope that this is helpful since my family and I are trying to apply for a house.
Product: Credit reporting

Experian is not only stating that they will not investigate specific accounts anymore ( which Congress states is a violation of section 1681 as I am providing specific details in regards to the accounts that I am disputing ), but they are also required to have the docs associated with the accounts in their files PRIOR to even reporting them pursuant to section 609 and those docs are to be made available to me. I requested those docs last month and only received " results '' stating that # 1 these accounts are verified and accurate and # 2 that they will not investigate certain accounts anymore. 

If you see XXXX V XXXX 1997, you will see that Congress states that once I notify the bureaus that I believe their information to be inaccurate, they must not only reinvestigate but must also go beyond the original source of information. They did not even conduct an investigation, as I contacted each company and was told that they were not even reached for verification and that the information in my credit report is IN FACT INCORRECT. So where are they getting their information from? 

I 'm including my current dispute letter as well as the XXXX previous dispute letters which clearly state my disputes. I have also forwarded these letters to my attorney.
Product: Mortgage

XXXX   XXXX ,  XXXX   XXXX  Conducted VA appraisal for company. They are refusing to pay for this service and are not responding to communication attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, has violated my rights. 
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, credit repair services, or other personal consumer reports

both XXXX XXXX and Equifax block me from their web sites to file complaints and will not allow me to login to check results of disputes and refuse to correct info and balances
Product: Checking or savings account

On or around XX/XX/XXXX, I discovered a series of fraudulent transactions that occurred with my Chase accounts while I was on vacation overseas. This was directly tied to a series of mail theft that was happening in my building and surrounding area during this time. Two of my accounts, a personal checking account and a business checking account were both affected. Chase unilaterally decided to close my business checking account while keeping my personal checking account active. They suspended the funds in the personal account while issuing a refund for the business checking account in the form of a mailed check. This was explicitly against my instructions and intentions as I had no way of retrieving any form of payment, and due to ongoing mail theft, it was unlikely that this would be a safe method that would not be intercepted. Upon my return back to XXXX XXXX in XXXX, the check had not arrived. Chase did not take the necessary precautions to safeguard and disburse my account funds in instances of mail and identity theft. I attest that, to this day, I have not received or redeemed my business checking funds from the account that Chase decided to unilaterally close. 

I escalated this with their team repeatedly over the course of XXXX and XXXX to no avail. The Chase branch where this happened could not help me resolve it either. On three separate visits to the Chase branch previously located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( where some of this identity theft and fraud happened ), their customer service team called the Chase fraud department in an attempt to resolve this. On or about XXXX and XX/XX/XXXX, during a branch visit, XXXXhase confirmed that they would be sending a new check for the balance on my business checking account, for a total of {$6400.00} and some change to a different address that is considered safe and secure. This was confirmed by the representative at Chase ( XXXX XXXX ). To date, no such check was sent, and attempts to reach them since have gone unanswered. With the branch at XXXX XXXX XXXX closed, I have limited recourse as my primary contact there is nowhere to be found.
Product: Credit reporting or other personal consumer reports

XXXX have removed the negative items & fraudulent accounts & blocked the information from appearing on my credit file. My credit report does not align between XXXX & trans Union the inconsistencys violates the accuracy requirements of 15 usc sec 1681e ( b ) which obligates credit reporting agencies to maintain accurate & up to date records In pursuant to 15 USC 1692.K It is $ XXXX violation in pursuant to the fdcpa
Product: Mortgage

My name is XXXX. I am a veteran and the lawyer from VA recommended this website to me to file complaint. Currently I am facing a foreclosure issue with my mortgage company. I used to have my mortgage with XXXX XXXX XXXX, and I never had any problem with them at all. However, since they sold my loan to Nationstar Mortgage LLC, the nightmare began. My due date is XXXX of each month, they kept calling for payments in the beginning of every month. When I told them that I have made my payment already, they would just hung up on me. I have always paid my mortgage before due date, but they just posted the transition after my due date to charged late fee. For that reason, I needed to make my payment a week before due date to avoid late charge. Started last year, they added a liability insurance to my mortgage. I own a condo, and the insurance is included in my HOA payment. So I called and sent them copy of my insurance with all the details few times, and they said they will look into my account. In the meantime, I kept paying my original payments on time. Three months ago, I tried to make my regular payment online as usual, but their website wo n't let me to pay. Then I called them again and tried to solve the problem, they told me I have to pay the insurance that they added plus late charge and interest with money order. I have been called and discussed with them this few months. However, they just sent me a letter this week, and tried to push my home into foreclosure. 
If you check their customer review on XXXX, you will see they have been doing this to a lot of their customers. Unfortunately, I am one of them now. Can you please look into this issue and let me know how could I solve this problem.Thank you.
Product: Consumer Loan

I got a vehicle loan in  XXXX    XXXX   and recently I contact them to let them know that I was in the process of filing bankruptcy, that I am attorney represented and I provided my attorney contact information to my lender on Monday  XXXX   XXXX . Today is  XXXX   XXXX  and my lender has continued to call me despite me telling them I am represented and they need to direct all questions to my attorney. They have contacted me on the following dates and times ( usually leaving a voicemail every time ) Tuesday  XXXX   XXXX   XXXX    XXXX   XXXX   ( we spoke  for 8  minutes, where I again advised them I am attorney represented, and they told me that until my case is filed they will continue calling )  XXXX   XXXX  They called at  XXXX    XXXX   XXXX  , left a message.    XXXX   XXXX  they called at  XXXX    XXXX   XXXX  , left another message- I called them back and again advised them I am attorney represented.     I called my attorney and let them know about the calls- they advised me to log every call I get and we can potentially sue them. They are committing unfair debt collection practices and violating the Fair debt collection practices act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Keybank NA XXXX This account is NOT MINE. I am a victim of Identity Theft. I have disputed this account with the credit bureaus and Keybank and the account has not been removed.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed some unauthorized inquiries and account on my credit report, According to the ( FCRA ) these are unverified and unauthorized items and I would like them to be removed from my credit report.
Product: Debt collection

As of XX/XX/25 this was paid there was a payment plan and payments were automatically taken out. There company set up the arrangements and even after making payments never missed a payment still applied to my credit report after receiving their payments paid in full. This debt is not owed and has been paid last payment taken was XX/XX/25 in the amount of $ XXXX.This should show as paid and closed! False information reported!!! I want it removed from my credit and to reflect good standing as it was never in collections as there was an arrangement made and completed! Please see history of payments and completed transaction as proof its paid.