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

I have been dealing with Chase Bank Credit Card for Several months for items that were not delivered by Amazon. The credit card company requested the date of purchase, description and the date it was to be sent to me. When I advised them that Amazon blocked access for this information I provided it to them. The items include the following charges. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. The items were not delivered and all the requested documents to provide the dispute were provided to Chase. Chase sent me a letter stating that I didn't respond which they found the letter and advised that I needed to send them a note to reopen. In less than 4 days the company came back with a decision that they were going to charge me for all items that I had reported the contested items. Amazon has been having the problem for some time now and now that I wanted either a replacement or credit they will not assist. This was placed on a Visa card that has protections for me and Chase is not assisting me. I am asking for your assistance as the letter sent XX/XX/2020 was just one of many communications with them and they didn't follow the rules of Fair Credit Reporting.
Product: Credit card or prepaid card

Fraudulent activity need it removed from my personal credit report
Product: Debt collection

I had went to the XXXX  XXXX  hospital  on XX/XX/2016 and I was fully insured with XXXX XXXX XXXX XXXX. Due to faultiness on Hospital end they did not bill my insurance correctly and thought I owed them money. Once I brought it to their attention that I did not owe them any money and that I was fully covered they then fixed their error and gave me a statement along with Phoenix Financial Services showing that I have a XXXX balance because I never owed anything. The director has also reached out to them with no luck to get them to stop trying to collect a debt that is not owed. The origninal Creditor name is XXXX XXXX XXXX  and the reference number is XXXX. They have been calling me non stop making very threatening calls and will not understand that both me and the director of the hospital has spoke with them and told them this bill is not owed and they need to cease and desist billing me.
Product: Credit card or prepaid card

Hello. I received a Visa Prepaid Rewards card serviced by Bank of America in the amount of {$1000.00}. This was provided through a company called XXXX. The card expired XX/XX/XXXX, however i still had {$150.00} in value on the card. I called Bank of America to have the funds transferred to a new card or check and was told by several representatives including supervisors that the funds were forfeited to Bank of America and that there was no way to request the funds back. My understanding is that there has been a law in place since XX/XX/XXXX via FTC that funds can not expire and there must be a way for the consumer to retain the funds on a gift/rewards card. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

We're in the process of refinancing our primary residence, but it's on hold because we're unable to get my credit score w/ Experian. I have my credit rating w/ XXXX XXXX XXXX XXXX But Experian is stating I have too little credit history to rate me therefore not scorable, but why XXXX XXXX XXXX are able to? We are updated w/ our XXXX mortgages under joint account w/ my wife with XXXX XXXX  XXXX XXXX XXXX. ( just FYI ). I'd attempted several times to talk to a live person but no specialist was available according to their automated answering service. I attempted to file my complaint w/ them online but it's marking unable to take it, so I left it on their website anyway. I've been trying to contact them for several days hoping I could talk to anyone there or at least file my complaints to no avail, hence, I resorted to this. Earlier today they're responding to me by urging me to enhance (? ) /boost my credit by putting an order w/ my credit card. I can't even request for my credit report w/o my credit card. I thought it's free w/o string attached. I need them to unfreeze my credit score ASAP, pls. Any further delay will cost us much if we miss out the low interest rate offered now.
Product: Credit reporting

Transunion has been delaying disputes investigation. I initially have submitted a dispute to Transunion in XX/XX/XXXX. I have attempted to gather my score and report it is denying me. This is dealing with delay funding for my new business. Transunion is holding goals that can help myself and my family. I still have disputes on Transunion without proper notification or results of each investigation. The investigations started since XX/XX/XXXX.
Product: Credit card or prepaid card

I had tried to withdraw about XXXX over a few transactions and I never received the money i requested and my card provider refuses to give me a provisional credit while they investigate
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to XXXX XXXX XXXX Account # XXXX on XX/XX/2022, " demanding the company provide me with a CERTIFIED copy of an authenticated original contract with my signature, Specifically Naming XXXX XXXX XXXX as an entity entitled to enforce a commercial claim You do not conduct commerce against me. '' ( I have attached a copy of the letter ). Use of name, birthdate and social security is not validity. XXXX XXXX XXXX did not provide the requested information and did not remove this account off my report.
Product: Mortgage

My mortgage company issued 2 checks to my insurance company in XX/XX/XXXX. They were sent to me and I was advised not to cash them. My agent contacted the mortgage Co and was told they stopped payment on both. In XX/XX/XXXXI rcvd an escrow notice of shortage {$5500.00}. I contacted the mortgage Co and they brought up the two checks. Neither were cashed so why am I responsible? FF to XX/XX/XXXX. Another check was issued and I was advised to cash it and send it back to the mortgage Co. I was also told upon receipt my mortgage would adjust back to my mortgage payment. I mailed the escrow check refund and my current mortgage payment {$1200.00} ( {$1300.00} ). Now I am fighting with them because the escrow payment did not reset my payment and they have been holding my {$1300.00} in suspense. They also charged me a {$60.00} late fee. They have refused to adjust. They have refused to apply the {$1300.00}. I would not have sent in the refund check! I would have kept it and applied the difference monthly to make up for the payments all year. I call once a week and get a different explanation each time. Escrow Payment wasnt enough ( both checks were stop pay ). Mortgage payment not new amount ( shouldnt have gone up ) I was told the insurance co raised annual amount ( my agent disputes that ). I need a very clear letter with the CORRECT amount listed. Why there is a shortage. Why my escrow payment was not applied to adjust my mortgage and late fees and credit bureau negativity removed. My agent and I followed the instructions yet nothing has been fixed in my favor.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency allowed the same company to be listed as a charge off on my report and a collection under two different names but they are the same XXXX XXXX also known as XXXX XXXX XXXX XXXX put a charge off on my report in XXXX but did not issuse a 1099 from the IRS. On XX/XX/XXXX nearly eight years later the same company reissues a collection account brand new on my report. Spring Oaks Capital opened and old charged off account nearly eight years old as a new collection. The collection agency claims this fraud is allowed for the same company to continue open old accounts as new causing great economic harm to my family. Spring Oaks Collecton knowingly and fraudulently opened an eight year charged off account as new, this is not legal. I have filed numerous disputes with the agencies biut to na avail. Spring Oaks Capital are fraudulently opening up new collection accounts under a different name. XXXX XXXX XXXX XXXX XXXX are the same compnay. This company is trying to apply double jepoardy by destroying my report and using criminal fraudulent tactics.
Product: Checking or savings account

Company close my account without reason left me stranded without access to my funds I cant even buy diapers for my son I cant take money out or stop my direct deposit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX and I have paid the resting amount and it still shows up on my credit and its saying they charged a 2 dollar fee and they said it was a mistake and it still shows up on my credit and my credit score went down And I want that fixed.
Product: Checking or savings account

On  XXXX  approximately  XXXX  I call  one of the  local branches in my ar ea (   XXXX   XXXX   XXXX   XXXX   ,  NC  XXXX   XXXX  and asked about how to open a checking account. The CSR advised me of the documents I will need and if I knew anyone associated family member/friend with this company. I advised my father has an account with them and she stated that was good enough. I then ask if I needed any documents stating that he was my father or verify that he has an account and does it matter if we have different last names. She stated all I needed was his name but if I had his account info that would help as well but the name would be fine. I then went to the branch around  XXXX  the same day and request to open an account. The rep ask what qualifies me to open this account. I advised my father and boyfriend has an account and after she viewed my ID she noticed my father and I do not have the same last name and that I would need to provide a birth certificate to prove he is my father and my boyfriend and I will have to have the same address on out ID 's. Now I do understand there are security measures to be taken but I do n't like the idea that I was misinformed and wasted time from work running up to the branch to open an account that I could not.
Product: Credit reporting or other personal consumer reports

Please see attached, my document of ongoing Dispute with XXXX XXXX XXXX XXXX XXXX XXXX Regarding Billing and Credit Reporting Errors In Case of Credit Card Receivables Account No. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent all 3 major credit bureaus XXXX, Equifax, and XXXX a certified letter with a copy of my credit report disputing the information in my credit file including my inquiries and they did not investigate 99 % of my credit file including the inquiries not one. I know for a fact I didn't give consent for some of the inquiries but they still remain on there. The credit bureaus received and signed for the letters in the middle of XXXX around the XXXX thru the XXXX of 2020.
Product: Credit card or prepaid card

My checking account with Suntrust closed, causing my online banking profile to become invalid despite me having a Suntrust Credit card. I have contacted Suntrust multiple times to rectify to no avail. I need access to online banking to be able to use this CC effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 XX/XX/22 XX/XX/22 I contacted XXXX about a account investigation even called Numerous times, the account never been updated or investigated. Account XXXX 15 U.S.C 1681 section 602 A. Section 2 states I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 its also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor May Not treat a payment on a credit card account under an open and consumer credit plan as late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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
Product: Debt collection

Capital One Auto Finan XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Late Payment Request for Correction Dear Capital One Auto Finan, I am writing to formally dispute a late payment reported on my account XXXX due to improper application of my payment, in accordance with 15 U.S. Code 1666b of the Fair Credit Billing Act ( FCBA ).

According to this federal law, a creditor must credit a payment on the date it is received, unless there are specific delays due to improper submission by the consumer. I made a payment of {$680.00} on XX/XX/year>, which was processed under the guidelines set forth. However, despite timely submission, I was unfairly assessed a late fee and/or reported to credit bureaus for late payment. 
To resolve this matter, I respectfully request the following actions : 1. Immediate reversal of the late fee applied to my account.

2. Correction of any negative credit reporting related to this disputed late payment.

3. Written confirmation that my account is in good standing.

I expect your prompt investigation and response to this matter within the required 30-day period under the Fair Credit Billing Act. If this issue is not resolved appropriately, I may escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) or other regulatory authorities.

Please provide written confirmation of the resolution at your earliest convenience. You may contact me at ( XXXX ) XXXX or XXXX for any further information. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report once again, I discovered that some of the information was still erroneous. The 3 credit bureaus must validate these accounts, It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report Here are the aforementioned accounts : XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$18000.00} XXXX XXXXXXXX Balance : {$22000.00} XXXX XXXX Balance : {$870.00} XXXX  XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXXXXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$870.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery Associates LLC keeps sending me, and has called me several times in the past, for a debt I allegedly owe XXXX XXXX with a Current Balance Due of {$580.00}. It lists it as a current debt on XXXX XXXX, XXXX and that is impossible. I have not used any credit since XXXX when my business in the Florida XXXX was destroyed by hurricanes and I lost all my assets. On the advice of any attorney who I asked for advice on filing bankruptcy to erase the outstanding debts of the destroyed business, he advised me that they were small, unsecured debts and it would be best just to contact the creditors and advise them I was unable to pay them, which I did. I am sorry, but I no longer have copies of the correspondence to the few debtors I had at that time, but it could have been no latter than XXXX, which would make any debt to XXXX XXXX over 8 years old. My assumption was that these small debts would simply be written off. I do not remember what the amount of any debt I might have owed XXXX XXXX at that time might have been but I do n't recall anything over {$300.00}, so the amount of this alleged debt has been written up and the debt has been redated to keep it current. When called by people representing Portfolio Recovery Associates, and they are very good at trying to disguish their identity and the identity of whom they represent, I have never offered any information concerning any debt. Therefore I believe this is a debt that has been sold and redated to keep it current, which I believe is unlawful. It should have been written off several years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent all bureaus a dispute letter regarding my credit report. I believe it was a misuse of my credit report. this is very urgent, and I need them to look at it
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letters XXXX XXXX XXXX XXXX  requesting correct name and current address be reported. I have requested old addresses and incorrect names be removed. As of XX/XX/XXXX they have still not removed them. Also there are some accounts that are not being reported accurately. There are several discrepancies in dates and amount and open dates. I had student loans that were taken care of when I was deemed permenantly XXXX and they were cleared of any amounts owed. They are still showing up as negatives and hurting my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I wrote to Equifax and disputed multiple accounts that were not mine as a result of identify theft. I requested the information blocked. I included a copy of my identity theft police report made with the XXXX CO police department and a copy of my CO drivers license and XXXX XXXX statement proving my identity. 

On XX/XX/XXXX I received a responce denying my request On XX/XX/XXXX I wrote to equifax and disputed the same accounts that were not mine. I included the same documentation stated above and additionally provided a copy of my identity theft report with the FTC from identifytheft.gov On XX/XX/XXXX I received a responce denying my request. 


A family member opened multiple accounts under my name without my knowledge while living at the same address. XXXX and XXXX have both agreed to block this information. I provided all the documentation as required for idenity theft but Equifax failed to remove the fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I inquired to purchase a car with Carvana, the run my credit and say I was pre approval pending to some verification, they requested proof of income in the form of 3 months of bank statements, after they got the bank statements they mention they could no approved those documents and they will need evidence of me owning a business what i did, after it I receive an email saying they couldnt move forward with the approval because I havent provide a Registration and Insurance Card in order to move forward with the review to either approve or declined the loan, since I am not willing to insurance a vehicle I do no know if I could get approved for I asked the company to deleted the application and since the way they advertise the service is absolutely different than my experience I call then to request of the removal of their inquire to my credit but found myself in a circle calling they do no have an specific department that handle this inquires so I am trying to get Carvana to deleted any related account and also their credit inquire from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I completed a CFPB complaint on Equifax, XXXX, XXXX XXXX, XXXX, and XXXX regarding a bankruptcy report that is showing on my credit report. This is inaccurate information. None of the credit bureaus responded to a letter that I previously sent them in XXXX of 2022. So, I had to do a CFPB complaint to get some actual results and that still wasn't to my satisfaction as there was no method of true verification. The following are the laws that were violated : 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction 3. 15 usc 1681a- ( e ) I did not give a Permissible purpose nor did they have my written instruction. I also contacted the US Bankruptcy Courts and they mailed me back a letter dated XX/XX/XXXX stating that they do not send information to the credit bureaus. So, the claim that it was verified by the US Bankruptcy XXXX XXXX XXXX, MD is not accurate. PACER also states on its website that they do not provide information to third parties either. I will be attaching both of those to this complaint. I will be attaching my driver 's license and a copy of a power bill.
Product: Credit reporting or other personal consumer reports

Please be advised that this letter serves as my good faith effort to resolve discrepancies regarding this matter in accordance with my rights under 15 USC 1666 ( b ) and 15 USC 1692g of the Fair Credit Billing Act ( FCBA ) and the Fair Debt Collection Practices Act ( FDCPA ), respectively.

Nature of the Dispute Billing Error and Negligence ( 15 USC 1666b ) : Upon review of the account and billing details, I have identified significant inaccuracies that constitute billing errors with Experian, XXXX, XXXX. These discrepancies indicate negligence in handling my account, which has caused undue hardship and damage to my financial standing.

Per the FCBA ( 15 USC 1666b ), I am exercising my right to dispute these errors. I request that you investigate this matter promptly, as I was NOT provided a written clarification on the specific charges, along with evidence validating their accuracy.