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

On XX/XX/2020 I was unable to login to my online banking account through Chase bank. I called the number listed and they said I needed to go to my branch in person and show them 2 forms of ID in order to get access to my account after proving my identity. I did so the same day, and when I tried to login again I got the same message. I called again, they said that the teller I showed my ID to didnt send in the notification that he had verified it and that I had to go back again. So, on XX/XX/2020 I went back again with my Debit card, drivers license and passport to try to get this resolved and was able to talk to a banker this time. She called the main office and they told her and myself that my account was suspended while they looked into some deposits made to my account, and that my account would be closed in 7-10 business days and that I would receive a certified cashiers check for any money left in my account. I never received any written letter from my bank stating any issues or how to fix them. All contact was done via phone calls mainly done from my end and emails stating that my eBills had been canceled, and then that my account had a XXXX  balance. While this all was happening, I had {$610.00} starting balance in my account and there were 2 deposits made on XX/XX/2020. One for {$1500.00} and one for {$140000.00}. Both of those deposits cleared on XX/XX/2020 for a total of {$150000.00} in my account. When I saw that my account was at XXXX, I called the bank and was told that yes, my account had been closed and that I could expect my certified cashiers check in 7-10 business days, but probably sooner because of the amount, they would send it out priority mail. This call was made on a Tuesday and I waited until the following Monday night to call to see where my check was. On the phone call, I was told once again that yes the check had been issued and sent to me. She asked to verify my address and when I did so, she claimed that it had been sent to a different address. I have only ever used one address and that is the same one that showed up on all of my statements. When I told her this, she assured me that the check couldnt be cashed by anyone else and then placed me on hold where I ended up back in queue and left waiting for another 30 minutes before finally hanging up. It had taken me 45 minutes to get through to her in the first place. I called back again, getting another person after another 30 minutes of waiting and was told that no, no check had been issued and now I needed to talk to their fraud department which was now closed. After numerous phone calls to Chase, I still dont have my money back, nobody will give me the same answers, and Ive been told that I have to wait 2 years now for the money to be turned over to the state at which time I can claim it. They left me with {$20.00} in cash to survive until my next payday which was on the XX/XX/XXXX and didnt even care. They were rude to me on the phone and lied to me over and over again. This is unacceptable when I did nothing wrong.
Product: Credit card

XXXX XXXX wrote on XXXX/XXXX/2015 XXXX -- -- -I 'm disputing transaction on XXXX/XXXX/2015 for XXXX to XXXX. I believe there is fraud involved in this transaction. XXXX claim they have never received funds and First Tennessee bank claims that funds were cashed. Please replace my card ASAP. If this issue is not resolved asap I will forward the manner to t Consumer Financial Protection Bureau ( CFPB ) the government agency that handles credit card complaints. I have spent several hours try to handle this issue at both banks locally located in spring hill tn and each other blames the other. I have also tried calling customer service and they have been unable to assist. Frist Tennessee Platnium Premier Visa account number XXXX XXXX/XXXX/2015 for XXXX to XXXX. 
This is the email I sent First Tennessee Bank. My spouse went once again to XXXX XXXX XXXX and spoke with XXXX XXXX as instructed by First Tennessee Bank letter is attached below. XXXX XXXX XXXX provide us with a copy of the balance transfer check that was sent by First Tennessee Bank and the reason it could n't be cashed because the micro number was missing from the bottom of the check. 
This was the response from first Tennessee Bank on XX/XX/2015This letter is in response to your recent correspondence regarding your balance transfer request with XXXX XXXX. I attempted to contact you via telephone on XXXX/XXXX/15 and was unsuccessful. 

Our records indicate that a Cashier 's Check was mailed to XXXX XXXX and cashed by them on or around XXXX/XXXX/15. A Financial Center Representative spoke with XXXX XXXX at XXXX XXXX and was advised that the Cashier 's Check was received and cashed. He indicated that a Cashier 's Check was mailed to you due to an inaccurate account number being provided. Unfortunately, you would need to contact XXXX XXXX for assistance in obtaining these funds. You may reach XXXX XXXX at XXXX or by email at XXXXXXXXXXXX. We apologize for any inconvenience this has caused. 

We have requested a copy of the cashier 's check for your records and this will be mailed to the address on file within 7-10 business days. 

First Tennessee values our customers and our reputation. We work hard to answer any question or correct any problem brought to our attention. If you need additional assistance with your request, you may contact Customer Solutions at XXXX, Monday through Friday from XXXX to XXXX, EST. Please reference the tracking ID XXXX when contacting us regarding this issue. 

Sincerely, XXXX XXXX. 
Customer Solutions RepresentativeFirst Tennessee BankTo notify us of an error or request information about your account, please use the following address. Please include your name, your account number or other information that will help us identify your account, the error that you believe occurred, or the information requested. Send to : First Tennessee Bank, Attn : Customer Solutions, XXXX. XXXX XXXX, XXXX TN XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of an unauthorized account on my consumer report, specifically the account STATE OF MI OFFICE CHI XXXX. I request its immediate removal from your records as well. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, consumer reporting agencies are only permitted to furnish consumer reports under specific circumstances, such as upon the written instructions of the consumer to whom the report relates. In this case, I have not provided such authorization for the inclusion of this child support account on my credit report.

Furthermore, the unauthorized reporting of this account constitutes a violation of my rights under federal law. By reporting this account without my consent, you may be in breach of consumer protection laws and possibly committing an offense akin to Aggravated Identity Theft, as outlined in 18 U.S.C. 1028A. This offense carries significant penalties, including imprisonment and civil liability.

Additionally, your actions are in direct contravention of 15 USC 1692g, which mandates the correct handling of disputes related to debts. This letter serves as an official dispute of the aforementioned account, and I demand its immediate removal from my consumer report.

In light of the aforementioned violations, I demand the immediate removal of the STATE OF MI OFFICE CHI XXXX account from my consumer report. 

A copy of my identification and a utility bill as proof of my address is attached. I trust you will address this matter promptly and ensure that this unauthorized account is permanently removed from my credit report. 
I trust that you will handle this matter with the seriousness it deserves and rectify this issue promptly. 

Thank you for your immediate attention to this matter.
Product: Consumer Loan

I started a contract with Westlake Financial Services on XXXX/XXXX/2013. Since then they have made my life so hard. I decided to buy a car to build credit but little did I know I was making the worst decision to finance with them. They have not reported or even tried to pull my credit report since then. I 'm constantly on the phone with them sending them whatever they need, copies of my ID my social security card everything but they do n't seem to care about it. Everytime I call them I speak to a supervisor to see what 's really wrong but all they tell me is We ca n't disclose information to you. That 's ridiculous, I pay XXXX dollars a month for what? For them to tell me I 'm not the account holder. I 'm so frustrated with this company all they do is lie and hang up on me because they do n't want to help me. I have contacted the credit bureaus to see if anything is wrong on my credit report but they tell me everything is fine. XXXX even contacted them and tried to get them to report but they also got hung up on. I 'm running out of options. I honestly just want to stop paying the car. I have no use for it if I 'm not getting credit. I just received XXXX letters from Westlake Financial Services and there is XXXX different names on them. How is that? They are the worst company I have ever been in contact with. They even told me themselves to give up, that there 's nothing I can do about it. Please help me I have payed more than half for the car already. I really think I deserve to get some type of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, XXXX  all display record of " delayed payment '' related to an old car lease through XXXX XXXX XXXX. in 2018 when the car was submitted at to the dealer to end the lease, another vehicle was leased with the agreement that the dealer will pay off the remaining balance of the first lease to the leasing company. However either this payment from the dealer was not done in a timely fashion thus caused a delay in payment, or the leasing company did not report the payment balance appropriately causing negative impact on my credit report. My credit has been negatively affected as a result. Dealer information XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone. XXXX Fax. XXXX XXXX XXXX XXXX XXXX Account # : XXXX
Product: Credit reporting or other personal consumer reports

You may have never heard of XXXX XXXX XXXX, yet your personal information may have been compromised in the companys recent massive data breach. 

The background check company, which is owned by XXXX XXXX XXXX, recently released details of the breach after a proposed class action lawsuit alleged XXXX XXXX  personal records may have been exposed. Other reports suggest the amount of records leaked may have been more than XXXX XXXX. 

In an official data breach notice filed in Maine, XXXX XXXX XXXX indicated XXXX million records may have been breached, said XXXX XXXX XXXX, chief operating officer at XXXX XXXX XXXX XXXX, a non-profit organization focused on mitigating risks of identity breaches and theft. 

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

On XXXX I sent the letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignore of my dispute. Section 611 ( a ). It is plainly stated that A failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

Allied Collection Services has me owing {$210.00} to XXXX XXXX XXXX from a XXXX/XXXX/14 medical office visit date of service. I 've been employed with my job for 11yrs with great insurance. I called XXXX and spoke with XXXX in the claims department for my medical insurance. She states they never filed a claim with my insurance company. There is a Nevada XXXX Rule. If the office does not timely file the medical claim with the insurance carrier THEY ARE RESPONSIBLE FOR THE BALANCE AND ARE TO WRITE IT OFF NOT BILL THE PATIENT FOR THEIR FAILURE TO BILL. THE DOCTOR 'S OFFICE HAD 24 MONTHS TO FILE WITH MY INSURANCE COMPANY AND THEY FAILED TO DO SO. I 'M REQUESTING THEM TO PROVIDE PROOF OF BILLING MY INSURANCE AND THEM NOT PAYING. IF THIS IS NOT PROVIDED THEY NEED TO CONTACT ALL CREDIT BUREAUS AND DELETE THIS INFORMATION FROM MY CREDIT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times to have the account removed from my report it is paid and past the 7 years yet edfinancial is still reporting twice on my report.
Product: Credit reporting or other personal consumer reports

I recently submitted to all three credit bureaus to have these recent inquiries removed from my credit report due to not recognizing them or authorizing them. I have not received a response in regards to these inquiries, nor have I seen them removed.
Product: Debt collection

i checked my credit recently and This collection account list the following company as the creditor ( PORTFOLIO RECOVERY. ). This company is NOT the creditor, I never contracted with them, and I sent certified letters to them to immediately correct my report and remove this fraudulent account. they are abusing my rights and i never received a letter from them as i just found out looking at my credit online. this is stressing me out to see that companies easily can report false info without any need of verification! I sent Notice & Demand for validation of debt, Dispute letters, see attached. 

This account is to be removed immediately! it is affecting hardly my credit worthiness i work so hard for. 

PORTFOLIO RECOVERY- Last reported XXXX 2024- Reported balance {$3400.00} Thank you for your help getting me proper remedy.
Product: Checking or savings account

Navy Federal Credit Union refused to refund my money accidentally sent to the wrong receiver in XXXX. With a total of XXXX recipients in the amount totaling over {$500.00}
Product: Credit reporting or other personal consumer reports

These inquiries have no permissible purpose to be on my report : XXXX XXXX> XX/XX/XXXX >XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX Ma XXXX XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX >. Delete these inquiries due to violation of the 15 USC 1681 B.
Product: Debt collection

In reviewing case number XXXX Cottonwood Financial XXXX XXXX Vs. XXXX XXXX did not disclose payoff or close out of Civil Judgement. I do not have a Judgement status or date. I did file a chapter XXXX Bankruptcy, United States Bankruptcy XXXX XXXX XXXX XXXX Wisconsin, http : XXXX Case number : XXXX. I request paperwork on this older judgment, for satisfaction in the courts.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX FIN on XX/XX/XXXX under the account number XXXX, and a collections account opened XXXX XXXX on XX/XX/XXXX with a balance of {$760.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have asked the credit bureaus to produce original documentation with signatures validating that these account belongs to me. They have ignored that request and sent back messages stating " the account has been verified '' and did not provide proof over the verification nor the process of how they obtained the verification. They have also stated " the information sent in does not appear to have came from you or from someone that was authorized by you '' ; a stalling tactic and I sent in proper documentation to verify my identity. 

I am distressed and this is affecting my livelihood. I have missed out on financial deals and acquiring assets because of inaccurate and fraudulent reporting on my consumer reports and at this point I have sought legal counsel and will continue with that process if this issues isn't remedied. 

There is personal information that is not accurate and there are accounts that I have no knowledge of. 

accounts : XXXX XXXX XXXX Date : XX/XX/XXXX, XX/XX/XXXX ; {$9800.00} XXXX Financial Date : XX/XX/XXXX, XX/XX/XXXX ; {$6600.00} XXXX XXXX. Date XX/XX/XXXX, XX/XX/XXXX ; {$10000.00}, {$10000.00} XXXX XXXX XXXX Date : XX/XX/XXXX ; {$9800.00} XXXX XXXX XXXX XXXX : XX/XX/XXXX ; {$800.00} XXXX Date : XX/XX/XXXX ; {$930.00} Personal Information : XXXX XXXX XXXX XXXX XXXX SC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( I've never lived at any of these addresses ) Employment : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  I do not work here inquiries : XXXX  Date : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX Please delete all of this inaccurate information
Product: Credit reporting or other personal consumer reports

Bureau reporting incorrect amount to my credit report, XXXX reporting {$100.00} to my credit report, Im seeing were Transunion {$97.00} .experian {$97.00} and Equifax {$100.00} all incorrect of the amount and my credit report and that is bad because it hurting my ability to buy a house get credit cards an even buy a car .this is so wrong under the fair credit Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian allowed an inaccurate account to be furnished on my credit report. Experian did not investigate this account prior to it being placed on the account. Consumer has proof that the account should no longer be on account. This made the consumer 's credit score go down significantly, with no valid proof. 

Also, it appears that XXXX XXXX XXXX XXXX XXXX shared or furnished my personal information to another creditor without my CONSENT, which was with the XXXX XXXX XXXX. XXXX XXXX XXXX provided notice that this account was closed and that it would no longer be reflected on any credit report. This made my XXXX XXXX decrease significantly and has had an adverse impact on my credit.
Product: Credit reporting or other personal consumer reports

Where is my missing FHA mortgage payment history for XXXX, XXXX, XXXX, and XXXX. I paid thousands of dollars of on-time FHA mortgage payments for those years, and my money ( XXXX XXXX XXXX XXXX XXXX ) IS NOT recorded. The history of thousands of dollars is missing. Where is my money? I paid my FHA mortgage on time for years with no missed payments. I expect for all of my thousands of dollars of payments to be recorded on time accurately. This is my XXXX credit report which takes my monthly payments and calculates it into my credit score. Stop illegally cheating me out of my excellent mortgage payment history on my credit reports and credit scores. This is the last time that I will ask. I can only take this higher. 
This is my right under the federal legislation, The FAIR CREDIT REPORTING ACT, 15 U.S.C. s. 1681 et seq.. This is also my right as an on-time mortgage, paying homeowner.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of the following accounts on my credit report, which I believe are not mine : XXXX XXXX XXXX XXXXXXXX OFFICE OF THE ATTY GEN : XXXX XXXX XXXX XXXX XXXX OAG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, Section 602 ( a ), I am entitled to privacy regarding my credit information. These accounts have been reported to credit bureaus without my consent or authorization. Specifically : Right to Privacy : 15 U.S.C. 1681, Section 602 ( a ) states that I have the right to privacy concerning my credit and personal information. The presence of these accounts on my credit report is a clear violation of my rights under this section, as they are not mine and should not have been included. 

Furnishing of Information Without Consent : Under 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ), a consumer reporting agency is prohibited from furnishing an account or credit information without my explicit written instructions. I did not provide any such written consent or instructions for the reporting of the above-listed accounts. 

I request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that these erroneous accounts are removed from my credit report. I have attached copies of my credit report and any relevant documentation to support this dispute. 

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please feel free to contact me.
Product: Debt collection

On XX/XX/2020 I received a call from XXXX XXXX XXXX ( XXXX  ). The representative informed me that an account with a past due balance of {$520.00} was placed in their office and demanded payment. During the call, the representative informed me of the mailing address listed on the account. I advised that the address he provided is no longer my place of residence and gave my current address. The representative continued his attempts to collect the alleged debt. He acknowledged that I have the ability to pay a lower amount than what is allegedly owed and advised after placing me hold, that his manager would allow him to settle the account for {$420.00}. 

After communicating with the representative, I wanted to research my rights as a consumer as it relates to what debt collection practices are legal. I do not recall the representative stating the " Mini-Miranda '' ( This is an attempt to collect a debt and any information obtained will be used for that purpose. Furthermore, I have not received an initial notice letter, but I have received multiple calls from this company.
Product: Mortgage

I recently obtained a mortgage on a parcel of land and an existing house thru Quicken Loans. The land is part of a subdivision and tax information wo n't be available until the next tax roll assessment. Until that assessment is complete, I pay out of pocket to the original owner of all of the parcels, my share of the taxes. What Quicken is doing however is forcing me to make Escrow payments equal to the tax of all of the parcels knowing that the amount is incorrect and significantly overstated. What I am told is that absent having the specific amount for my parcel, they can collect the amount of all of the parcels. And yes they know this is in error and acknowledge that it is in error. That defies all logic.