23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On Complaint # XXXX Express Recovery Stated that they would remove this item on XX/XX/23. They did not provide any information validating this debt, nor did they remove it from my credit report as they stated they would. This is a willful violation of the law and a outright lie by the company. They need to be held accountable. I have attached the original complaint.
Product: Credit reporting or other personal consumer reports

XXXX After reviewing my credit report access all XXXX credit bureaus, I noticed inaccuracies regarding this account. 
XXXX and XXXX are reporting late for the months of XXXX and XXXX of XXXX while XXXX is reporting late for the months of XXXX and XXXX of XXXX. These inaccuracies are impacting my scores and is a violation of XXXX XXXX. 

15 usc 1681 code ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

These late payments being reported are also on violation of 15 U.S. Code 1666b 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 XXXX  days before the payment due date. 
15 U.S. Code 1666b - Timing of payments The timing of required information is received past 21 day time frame.

Per Experian credit bureau By definition an open end consumer credit plan is XX/XX/XXXX Open-end credit is revolving credit that allows you to continually access money as you make payments and only pay interest on what you use.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I noticed some fraudulent inquiries on my credit report per following Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

DATES XXXX XXXX XXXX XXXX XXXX XXXX XXXX SPOKE TO XXXX XXXX IN REGRAD TO DISCHARGING THE ACCOUNT FOR BEING OPEN FRAUDUALENTLY WITHOUT OUT MY CONSENT ON XX/XX/XXXX I PROVIDED THEM WITH ALL MY DOCUMENTS AND POLICE REPORT AND SIGNATURE SAMPLE SHOWING THAT THE ACCOUNT WAS NEVER OPEN BY ME AND THAT I NEVER ATTENDED THE SCHOOL THAT IS ASSOCIATED TO THE PROMISSORY NOTE. THIS ACCOUNT WAS CREATED FRAUDULENT BY THE SCHOOL XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> me, XXXX XXXX, and my boyfriend XXXX XXXX went to his bank which is Chase Bank located on XXXX XXXX XXXX XXXX XXXX, SC, XXXX to see if I could deposit MY settlement check of XXXX into his bank. The lady told us yes. So I signed it first then he signed it. The bank teller asked for my ID and I gave it to her. She confirmed and deposited the check in his account and the receipt said it will be released on XX/XX/year>. So we fast forward to XX/XX/XXXX and he tries to send me my money to my account, it's not letting him. So we went to the Chase Bank again and when he tried to take the money out using the ATM it told him he had to call a number to verify it was me AGAIN. So he calls the number and they try to verify me using an old number from XXXX plus years ago that they found using a third party system. So we give them my updated number which is XXXX. They said they can't verify using that number because when they look that number up it's not showing my name it's showing someone else 's name. They told us to call my phone company which is XXXX and fix it in their system. After the fourth time calling XXXX  someone finally knew what I was asking of them and fixed it. They said it will take 72 hours to update. So we call XXXX on Monday XX/XX/XXXX and they tell me the number is still popping up as someone else 's name. So now we fast forward to XX/XX/XXXX at XXXXXXXX XXXX I decided to look up my number to see if it was updated in the public database and it was. I even got a screenshot to prove it did. Then all of a sudden 15 seconds later my browser refreshed itself and it went back to the previous persons name. So now we fast forward to XX/XX/XXXX we called Chase Bank back and a supervisor was able to fix it and he put in a request to open the account and told us to call back on Monday the XXXX. So we called back on Monday the XXXX and the lady said the request wasn't approved or denied and they had to contact the supervisor and said they will send him an email to see what he did and they will call back once they get a reply from him. So here we are on Tuesday XX/XX/XXXX and the lady ended up seeing my name on the number so she was able to verify it was me that gave permission to deposit the check and she told us that the cashier check would take 1-2 business days so by Thursday I should have it. Well I never received it so we call back and they said that it's actually 1-10 business days once it gets approved. So I said ok. Then they call back today to say the check was declined because when they look up the number it now doesn't show any name under my number. This has been going on for almost a month now and I have no money for ANYTHING. I have XXXX little kids under XXXX and no money to pay for my bills. This is an urgent matter as I am close to losing apartment. Now this is his account so if they need to call him, his number is XXXX.
Product: Mortgage

I contacted my mortgage servicer to inquire about the CARES act Covid-19 National Emergency Partial Claim second mortgage as I have read about on ConsumerServices.gov and HUD.gov. My servicer would not even acknowledge the existence of such a program and only wanted to force me into options that would require immediate repayment. The customer service told me he has the final say on this matter when I asked who else I could speak to since he apparently didnt know of this.
Product: Bank account or service

When the new debit cards with the chip embedded on them are read on a pin machine with the chip reader, it automatically turns it into a credit card transaction, requiring a signature instead of the pin number, regardless if debit option was chosen. As a customer with Bank of America, my debit card was replaced prematurely from it 's expiration date with this new feature. As an agent for a merchant using the chip reader, I know this means the bank will charge us more for the transaction as a credit card than as the debit. I have discussed this with both my bank, who states the chip is a new requirement and with XXXX XXXX, who handles our merchant services, who states it is the card issuing banks fault. This is another case of banks taking advantage of the client.
Product: Student loan

I am writing to address a persistent issue related to my student loan account, which has yet to be satisfactorily resolved despite multiple attempts to seek clarification through your customer service channels. I have received conflicting information on a series of phone calls and require immediate resolution. 

MOHELA made a billing error that occurred in XXXX and XXXX of XXXX, where a promised refund was not credited to my account. This was exacerbated by the inconsistent and contradictory information provided by customer service representatives during various phone conversations, in which some told me a refund had been mailed ( it never was ) and others told me it would be applied to my account ( it never was ). I am requesting the two months ' credit be applied to my student loans account immediately. 

For clarity, I would like to note that the administrative forbearance applied to my account for XXXX and XX/XX/XXXX is unrelated to the billing error in question. That forbearance was applied due to my application for the XXXXncome Drive Repayment Program, which is unrelated to the refund that was to be issued to me due to MOHELA 's error. 

In phone calls with customer service representatives in XXXX and XXXX of XXXX, I was provided with conflicting information regarding my XXXX payment status, a purported refund issuance, and the feasibility of applying a credit to my account. This lack of coherence in the information provided only adds to the frustration and confusion surrounding this matter. 

As per my understanding, I am entitled to a refund for the payments made in XXXX and XXXX of XXXX due to MOHELA 's billing error. I kindly request that this refund be promptly credited to my account and applied towards upcoming payments. Additionally, I request that these credited payments be considered as part of my Public Service Loan Forgiveness ( PSLF ) loan count, consistent with the two months of forbearance in XXXX and XXXX, as is required by the Department of Education. 

I kindly ask that MOHELA rectify the errors in my account promptly and provide me with a clear and accurate statement reflecting the corrected information. I appreciate your immediate attention to this matter and expect that these concerns will be addressed in a timely and efficient manner. 

Thank you for your cooperation in resolving this issue.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against experian, alleging systemic issues such as failing to forward provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of disputes outcomes. These failures align with my experience whereas Experian has neither corrected or removed disputed items despite of the evidence provided. I'm requesting all the negative item to please be removed from my credit report immediately. Experians inaccuracy violates federal law and my rights as a consumer.
Product: Debt collection

I signed a lease with an apartment complex without having a guarantor ( need XXXX according to the contract ) and the day after, I had to cancel it because my roommate was no longer able to move up as a result of a background check. I tried to cancel the lease in writing the following day and they told me I was stuck in it. I told them I would not be living there and to rent it out to someone else. They in turn rented it out. Over a year later, they contacted me telling me I owed over {$8000.00} for the lease. Upon receiving this bill, I called, told them the problem, and now they are trying to charge me {$350.00} for a cancellation fee. They rented out the room without telling me anything about it and were originally trying to charge me the full amount until I called. This is criminal. I did not live there and cancelled within 24 hours.
Product: Credit card or prepaid card

JMPCB Card was opened without my knowledge in the amount of {$17000.00}. 
XXXX XXXX also opened a credit card without my knowledge in the amount of {$1600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

JP Morgan/Chase bank is reporting THREE charged off credit accounts on my credit report and I have NEVER applied for nor had an account with them.
Product: Mortgage

I called mortgage company in XX/XX/XXXX to ask for Temporary Hardship application due to COVID-19. At the time I was told that mortgage payment for XX/XX/XXXX was already in process, but to put a cancellation on electric payments on payment for the month of XX/XX/XXXX. I was asked to fill out application and that someone was going to give me a call and not to worry because this information wasnt going to be report to my credit. However, until this day I havent receive a call from anyone representing this company. And the company already reported the information to My husbands and my credit report affecting my credit report. When I called today XX/XX/XXXX asking why this was reported? I was told again to wait for someone to call me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention XXXX XXXX Company, This letter shall sever as my formal and last notice of my intention to file suit against your organization. You are currently reporting account to my credit file that are legally incorrect and fraudulent, This account is a direct result of the 2017 XXXX Data breach, this breach leaked the personal data of over 143 million Americans, the information leaked included my name, birth date, address, phone number, social and driver 's license number were compromised and used to open several accounts without my permission. Ive requested a full debt validation, I have yet to receive any contact back. Legally companies have 30 days to send the following information listed below ; and they have not done so. Please remove this information from my credit file as soon as possible. My lawyer has also contacted the XXXX XXXX XXXX on my behalf, and filed a complaint against your company. 



Remove the fraudulent account for {$970.00}
Product: Credit card or prepaid card

Citibank has consistently removed funds from my associated checking account to pay down my credit card balance without my authorization. They have closed their phone lines making it impossible to speak with a representative on the phone and have advised clients to use the chat feature on their app. I've used the feature and the representatives are unable to resolve the issue, advising to call a managers line which is also closed indefinitely. Citibank representatives refuse to schedule a call or provide a manager via the chat meaning there is no way to resolve this issue. This issue has occurred twice, once on XX/XX/XXXX through XX/XX/XXXX and now on XX/XX/XXXX.
Product: Checking or savings account

I keep getting charges fees for having too low of an account but my funds are sufficiently high.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the handling of my account by Synchrony Bank, as well as the inaccurate information being reported to the credit bureaus. Despite my repeated efforts to address this issue, Synchrony Bank has failed to resolve the matter and continues to report fraudulent and inaccurate information that violates the Fair Credit Reporting Act ( FCRA ). 

Details of the Issue : Failure to Address My Appeal : I contacted Synchrony Bank to understand why my appeal to correct the fraudulent account was denied. I was informed that the appeal was denied due to a lack of information. However, I provided all requested documentation via fax, including supporting evidence proving the account does not belong to me. 

Inaccurate Reporting : The information reported under the aforementioned account ( s ) is fraudulent and does not reflect any authorized or legitimate activity on my part. Reporting such inaccurate information violates the FCRA, which mandates that all information reported by consumer reporting agencies be accurate, complete, and verifiable.

Lack of Action by Synchrony Bank : Despite my providing documentation and multiple follow-ups, Synchrony Bank has failed to take appropriate action to investigate and correct the inaccuracies. This lack of response and accountability has caused harm to my credit profile and financial well-being.
Product: Money transfer, virtual currency, or money service

I recently opened an account with PayPal. After having it open for 3 days they flagged the account and had me turn in proof of my business. After sending in proof they alluded to my business being something totally different then what it is and with out verifying that info was factual they closed my account and now are with holding {$4800.00} of my money for the next 180 days. They say its for charge back protection purposes but wont let me refund the customer their money so I can process it through my previous merchant nor will they release it to me. I see no purpose in them holding my funds. If they dont want to do business with me for whatever reason they have that right but they dont have a right to with hold my or my customers funds.
Product: Mortgage

After XXXX applied for modification with Flagstar Bank. Process dragged out I was told they had all of the documents that they needed, continued to follow up, Reapplied several times, found a buyer for my home to prevent foreclosure. Bank declined stating pending refinance, house foreclosed, I did not want to sell. I even went to work outside of the area to offset the economic downturn and make up for the drastic increase in insurance. 
When loan was obtained payment changed due to some oversight.
Product: Credit reporting or other personal consumer reports

I currently have some accounts and inquiries on my credit report I have listed supporting documents below.
Product: Checking or savings account

On XX/XX/XXXX I Had Seen An Ad while Playing a Game on My XXXX. I Clicked on Ad For XXXX  XXXX XXXXath XXXX I Ordered One XXXX XXXX. Their Sight Was Difficult To Get Through to End Page. I Got To The Total Page I Needed To See How Much I Was Charged with Shipping & Handling. It Came To {$96.00}! So I Didn't Hit Submit Button, I Backtracked to First Page & Tried Again. This Time I Was Charged {$11.00}. I Hit Submit. It Was XXXX XXXX. I Fixed TV Dinner & After I Ate I Checked My Online First Horizon Tennessee Bank Account. XXXX XXXX XXXX Me {$53.00}, {$29.00} Plus The {$11.00}. I Tried to Call XXXX  XXXX Line Was Busy. So I Emailed Them. I Then Went To My XXXX Bank XXXX Filled Out a Fraudulent Charges Transactions. XXXX  Morning XX/XX/XXXX I Hadn't Received a Automated Response From My Bank, So I Called & Found That My Bank Hadn't Received My Form, That I Should Refile. I Did That Monday. A Week Went By And I Still Hadn't Received My Money Back From XXXX  XXXX. I Called Bank They Stated They Had Dumped It ...? That They Waiting On Me? I Never Received A Message From Bank! So I Asked Should I Refile Form Again? Yes. I Refiled 3rd Form. And Checking Everyday For The Remaining Days of XXXX. On XX/XX/XXXX I Hadn't Received Any of My Money Back. 
I Called Bank Again Asked Why My Fraudulent Charges Are Still Not Back into My Account? Bank Associate Stated They Were Still Investigating Fraud. XX/XX/XXXX I Checked My Account Again. XXXX XXXX Had Charged Me Again! {$23.00}? I Filed Yet Another Fraudulent Charge. XX/XX/XXXX I Was Asked To Give My Bank More Information. I was Very Upset I Told Them To Forget About The Whole Situation I Was Tired Of Waiting & Being Made Out To Be A Liar. & I Gave Them What They Wanted. XX/XX/XXXX, I Ordered Fast Food & My XXXX XXXX Card Wouldn't Take? I Called My Bank & Found Out Bank Had BLOCKED My Card? They Didn't Ask or Tell Me. I Asked Male Associate If He Could Over Night Me a New XXXX XXXX Card? He Said No I Could Come To Bank & Pick Up New XXXX XXXX XXXX. I Explained I Do n't Drive & I Was Getting Over An ILLness. That Because of My Health I Was & Still Am Afraid of Catching The XXXX. He Said I Would Get My New XXXX XXXX Card in XXXX to XXXX Business Days. On XX/XX/XXXX I Still Hadn't Received My XXXX XXXX Card, I Called Bank Female Associate Stated Because of Pandemic It Could Take 2 To 3 Weeks To Get My XXXX XXXX Card. But I Could Come To Bank & Pick Up a New XXXX XXXX Card, Your XXXX XXXX  Card Is In The Mail XXXX XXXX. 
It's XX/XX/XXXX And I Hadn't Received My XXXX XXXX Card. Even If I Had Someone To Take Me To My Bank I Would Be Fearful, Because I Have NEVER Been Treated Like This From Any Bank I Have Had Accounts With Over The Past Thirty Years. 
I Have Tried To Email CEO of First Horizon Bank But I Never Received An Answer From XXXX XXXX XXXX.
Product: Credit card or prepaid card

The company did not address showing this as consumer closed. They can keep their apologies. One loan I had for 7 years. They failed to send me disclosures and terms of agreement before they closed out the accounts. The company failed to give me proper notice of the closings until they actually closed the accounts.
Product: Credit card or prepaid card

In XX/XX/2019, I applied for the XXXX XXXX XXXX credit card directly from the booking site for XXXX hotels, as I was paying for a reservation I was making. The offer specifically offered a XXXX XXXX point award after charging {$3000.00}. And this offer had been presented to me several times before I took it. The offer never varied during this XX/XX/2019 period that I booked on the site, which I done for several hotel stays during XXXX. 
The card is a Chase Bank card. The application was approved and I received the card in late XXXX and started using it. ... ..Since then, in the last week, I come to find out that they bait and switched me on the offer, with some extremely inferior offer, and one I had never even seen or heard of, that amounts to a mere 2 night stays. 

Because the offer was presented on the XXXX booking site ( XXXX ), my complaint is against both XXXX and Chase for fraudulently offering one promotion and then giving me an inferior promotion. When I complain to Chase to their email portal, they do nothing in response more than send a form letter response ( sorry for your inconvenience, etc.. ) It is obvious they don't even look into it. XXXX does not even bother to respond. 

There is much documentation out there that this was the going offer at the time of my application. I have already charged the {$3000.00} and lost the opportunities of other hotel reward programs. On a separate but related matter, I have struggled mightily to try to get my points for each and every stay at XXXX properties this year ( I have accrued 80+ stays in 2019 ). They make you jump through hoops when it is supposed to happen automatically. 

What I experience from these 2 companies is seemingly a combination of hubris, incompetence, gross negligence and ultimately fraud since they refuse to address the problems and don't seem to care at all about honoring their commitments. I also see that there are now blog sites devoted to XXXX 's grossly negligent handling of their rewards program.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX ( XXXX ) XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dear XXXX, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for it's failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. Theses practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reomserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine cosumer protectionsand perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 

Please review the Inaccurate Information being report : 1.
Product: Debt collection

I sent a certified letter requesting debt validation and was send a letter stating " no further investigation is required under section 12 c.f.r. 1022.43 ( f ) of the FCRA '' I have been told that I am not able to receive the validation I requested.