23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous attempts to reach out to Chase Bank on multiple occasions : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  For the past 12 months, I have been in the process of constructing my home, for which I obtained financing through a different lender. Unfortunately, Chase Bank has erroneously reported two business credit cards, ending in XXXX and XXXX, on my personal credit profile. This has caused significant financial harm, as I am now unable to secure my mortgage, with the closing scheduled in just 45 days. 

Here is some background information regarding the situation : I maintain multiple accounts with Chase, both personal and business. Throughout the past year, I have noticed excessive service fees being charged to my business checking account by Chase. I solely use this account to make credit card payments for my Chase business credit card. 

Initially, I set up autopay for my accounts to ensure timely credit card payments. However, due to Chase 's persistent excessive service fees, the money I deposited into my account was being deducted to cover these fees. Despite reaching out to Chase multiple times to rectify the issue, no one seemed to comprehend why I was consistently overcharged. This cycle persisted for months, with Chase continuing to levy excessive fees. 

Eventually, I managed to secure an in-person appointment, during which a bank representative promptly recognized the excessive charges as the root cause of the reported " late '' payments on my personal credit report. The representative refunded the excessive bank charges and acknowledged the error. However, they were unable to rectify the credit reporting issue as it fell outside their department 's purview. 

Subsequently, I contacted Chase Credit Reporting multiple times, only to be informed that they do not consider this a banking error. Instead, they advised me to dispute the matter with the credit bureau. According to them, the investigation would reveal the excessive charges and the removal of my account from autopay, leading the credit bureau to remove the negative reporting. This conversation was recorded on XXXX XXXX XXXX XXXX XXXX and I encourage Chase to review the call if necessary. Given that Chase acknowledges this as their mistake, it is perplexing why they are unwilling to rectify the negative reporting directly, without requiring my involvement with the credit bureau. 

I am currently scheduled to close on the house that I have diligently saved for over the years. However, due to Chase 's error, their subsequent acknowledgement, and their reluctance to correct the situation, my mortgage application has been declined, jeopardizing my dream of building this home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity.

Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency.

I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above.

Enclosures : a. Identity Theft Report b. List of Fraudulent Accounts on my Report c. FCRA Sections 605,609,6011 d. Proof of Identity To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate information on my credit report. I am writing to dispute fraudulent accounts opened without my consent.

I did not open these accounts, nor did I give anyone authorization to do so. I am requesting that the accounts are removed and blocked.

I am distressed that you have included the information attached in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The attached information therefore needs to be investigated.

I respectfully request to be provided with proof of these alleged items, specifically the contract, note or other instrument bearing my wet signature.
Product: Checking or savings account

I am trying to withdraw $ over XXXX from my Chime account, Due to transfer and check limits ( {$10000.00} daily/ {$25000.00} monthly ) there is no way for me to access my funds without multiple transactions and a XXXX wait. 

This is egregious, Chime is restricting access to my funds in a timely manner.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 XXXX XXXX XXXX. 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 MONTHS REPORTING LATE to be removed They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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.
Product: Debt collection

I got a voicemail from a debt collector on Wednesday XX/XX/XXXX stating that they have been trying to reach out to me and at this point they are going to process court paperwork against me for misdemeanor criminal charges and told me to call back the attorneys office or they would send someone out to my work to serve me. I called them back immediately, worried and confused about what was going on and they pushed me to sign paperwork on the spot stating that I would pay {$150.00} on Friday XX/XX/XXXX, {$450.00} on Friday XXXX and another {$600.00} on Friday XX/XX/XXXX. They said that would be a {$1200.00} settlement to get me out of the charges against me. I discovered it was a scam the same day and the next day on Thursday XX/XX/XXXX I went to my bank and closed my account so they wouldnt garnish my wages. Since then, I have received 8 very threatening voicemails from them stating all sorts of things like I have a bench warrant out for my arrest, that I used a stolen card to purchase my new vehicle, they even called my mother and tried to get her to tell them where I work, then threatened to send them out to her house tomorrow and called me the embarrassment of the neighborhood. The last voicemail I received was today, XXXX at XXXX talking about them sending people to my mother home tomorrow and demanded I must be present with 2 forms of ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX XXXX I have been making monthly payments thru Central Credit Services LLC to XXXX but they have yet to report my monthly payments to the Credit Bureau. The payment is electrically taken out of my account each month. My checks are made payable to XXXX but Central Credit Services LLC collects the deposit. I 've tried calling several times but I get the voicemail and no one has called me back.
Product: Checking or savings account

XX/XX/2022. {$100.00} unauthorized charge. I immediately called Ally and the hold times were very long. They finally allowed me to cancel and get a new debit card and file a dispute for the charge. It is now XX/XX/XXXX and I have heard nothing and am still missing my {$100.00}. And it looks like many other Ally customers are being charged as well. Where is the statement that they are aware of the issue and doing something?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/20XXXX XXXX RE . We have disputed the account.
Product: Debt collection

Several " collections '' companies have tried multiple times to collect a XXXX debt from me that is not mine. I successfully disputed it several times over the past 2 years, but now new, multiple companies are successfully posting this fraudulent collection account to my credit file. 

Collections companies perpetrating this fraudulent activity include : I C Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Account type Collection Status Collection account. {$850.00} past due as of XX/XX/XXXXXXXX XXXX 
Status updated XX/XX/XXXX I was never a XXXX customer or subscriber until I was hired by them in XXXX XXXX The supposed collections debt to XXXX was started several years before I first subscribed to XXXX  as an employee with free service. 

This is fraud, crime, and repeated whack-a-mole tactic to scam people out of money for fear of having a collections account on their credit history.
Product: Mortgage

Good morning O received a statement from my lender stating that my mortgage will increase next XXXX  for {$200.00} because the taxes went up. My parcel was qualified for taxes relief and. I don't understand why my taxes can increase by 300 %
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT WAS CHARGE OFF ON TH FOLLOWING DATE XX/XX/year> SINCE THEN THE ACCOUNT HAS REPEATEDLY BEEN UPDATED AS CHARGE OFF EVERY MONTH. THIS IS AN UPDATE IN THE PAYMENT HISTORY. A CHARGE OFF ACOUNT SHOULD NOT INCLUDE AN ACTIVE PAYMENT HISTORY. THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS. YOU FAILED TO INVESTIGATE THIS ACCOUNT PROPERLY AND YOUR NEGLET HAS VIOLATED MY RIGTHS. I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Family Member ob tained loans fraudulently, has subsequently been  XXXX  and is   XXXX   a   XXXX   term for the crime. Despite numerous submissions of documentation to support this, creditors and credit reporting agencies continue to report inaccurate information causing severe damage and undue hardship with expenses related to higher rates and premiums. Unable to afford further legal fees - desperately seeking resolution.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX : Account XXXX Account Name : XXXX : Account Number XXXX XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX  : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I applied for a promotional card through XXXX XXXX XXXX  XXXX Genesis Finance - I already have a credit card with them and after the application, they requested information to be mailed to the company for verification purposes. The requested info was license and social security card and it appears to be to the address for Genesis. However, I just received a decline letter indicating they are unable to verify my social security number. This information was mailed and per the representative, she indicated they received the info and made a decision based on this info. She indicated the people in the application division were unable to speak directly to consumers. This process seems suspicious because I am an existing customer and provided the same info on the other application. I have never had a card service request ID and social evidence and when it is provided the decline was because they couldn't verify. I check my credit profile regularly and there is only one number listed.
Product: Checking or savings account

Wells Fargo removed funds from my account to pay my credit card. XXXX XXXX the credit card, received payment, and I received proof and confirmation. Then Im told they did not receive the payment and no money was in my Wells Fargo account and I dont know what happened. I just know that I did not have the money after. Then, two days including day payment was made was missing on my Wells Fargo statement. As you will see in attachment below.
Product: Checking or savings account

Last year, on XX/XX/2021 I received an early morning notification from XXXX Bank that a transaction occurred of over XXXX to XXXX. They asked me if I had done the transaction and I replied back " No ''. The card was frozen and I was issued a different card. The representative on the phone explained I would have to call the bank on Monday morning which I did to discover over XXXX unauthorized transactions occurred from the information on my bank account information. I called the police and they issued me a case number XXXX XX/XX/2021 number is XXXX. A XXXX report was issued XXXX XX/XX/2021 at XXXX PM XXXX because of the high number of transactions. This is the case number they issued to me. 
XXXX. The person involved in the theft is XXXX XXXX who did over XXXX transactions and spent almost XXXX at the XXXX XXXX XXXX and the purchase of some XXXX programs. Even though I told XXXX I did not authorize these transactions they paid them anyway out of my bank account. Despite all of this information given to the XXXX Bank , they sent me a letter proclaiming they found no fraud. I did notify them within the 60 days yet they refused to credit my bank account with the fraudulent transactions. Now, I got a notification from them yesterday somebody used my credit card information to send XXXX money through XXXX. I told them " no '' I didn't authorize this information so here I am again with the Huntington Bank allowing fraudulent transactions to happen when I told them " NO '' I didn't authorize the payments. I'm so frustrated and disgusted with this Banking XXXX that blames the customer rather than the criminal. and wondering if Huntington National Bank is going to pay for this theft again out of my account.
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 XXXXXX/XX/XXXX
Product: Checking or savings account

I am a XXXXXXXX retiree and lived XXXX to XXXX in XXXX 
I opened accounts with Marcus by Goldman Sachs XXXX XXXX and I dropped everything to dash back to the XXXX. 
I closed down almost everything in XXXX including my rented apartment but couldnt close down my Marcus by Goldman Sachs account.

I returned to XXXX  to close my Marcus accounts. 
They asked for a US address. 
I checked with my hotel and, as they know me, they agreed for me to use their address. 
Marcus accepted and registered the hotel as my US address. 
I then started to call Marcus to close my accounts. 
I phoned DAILY for TEN days and was on the phone for anything from 45 minutes to 1 hour 52 minutes!!! 
The hotel received 4 letters marked for my attention from Marcus which proved they accepted the hotel as my address. 
Marcus are now saying they can not send checks to the hotel. 
I can not give them another address. 
They are now saying my accounts will go into the UNCLAIMED ACCOUNTS.

Im telling them they cant as Im claiming MY MONEY!!!

Because of the above, Im claiming that Marcus by Goldman Sachs is stealing my money.
Product: Checking or savings account

I was charged a $ 10 monthly fee by wells fargo for not having direct deposits in the amount of {$500.00} or more. 

I had a payout of XXXX from XXXX clearly scheduled for XX/XX/22 which would have brought my monthly direct deposits over the {$500.00} requirement. 

Instead, Wells Fargo decided to hold the XXXX deposit for an additional day until the XXXX of XXXX so that I would not meet the {$500.00} minimum so they could charge a fee. 

Then when I tried to get a customer service representative on the phone, the system did not take my touch tones and hung up. 

As long as you keep up with these shady business practices, I'm going to keep complaining to the CFPB.
Product: Debt collection

I submitted a complaint against XXXX XXXX  on XX/XX/2022, via the CFPB in regards to XXXX XXXX  misusing my identifying information ( known as fraud/identity theft ), how I originated the funds, and how their debt collection practices are unfair, misleading, and are falsely represented. I informed them of various consumer violations as well. I received a response from them, however, the response they made did not address the full complaint. They skipped over the majority of the complaint and only made a response to the last few sentences of the complaint where I stated " I received notification from my credit report that XXXX XXXX  closed both collection accounts. Then as of XX/XX/2022, one of the collection accounts showed that is was open again and on XX/XX/2022, one of the collection accounts showed that is was removed from my report. '' They say their records indicate that the records were reported to the credit bureaus consistently, but based on the evidence I have from my credit report, that is false. XXXX XXXX ignored this evidence. Accounts can only show closed/removed if someone from XXXX XXXX furnishes that information to the credit bureaus. Them also ignoring the majority of my complaint is very unprofessional and likely that they do not have a legal rebuttal to respond with. XXXX XXXX  then proceeded to respond to a claim from XX/XX/2022, though that claim was not mentioned in the XX/XX/2022 claim I would like to respond to XXXX XXXX  and say that when I asked for more information about the alleged debt, the representative informed me that the cease and desist has to be lifted in order for her to speak about the details of the debt, the cease and desist was not lifted at any time before, during, or after the call, therefore she should not have stated any details of the debt, this is a violation of the FDCPA. This call was recorded so the conversation can fully be heard on what happened at that time as well. The representative also stated herself that she should not have told me what she did. If XXXX XXXX  is truly in compliance with the FDCPA and other consumer laws I have cited, I would like XXXX XXXX  to rebut my complaint with the law as it is intended to be used. Law can only be rebutted with law, fact and evidence. All of which can not be done because XXXX XXXX does not have any legal right to collect on this alleged debt. Statements of accounts are not legal contracts and do not give debt collectors the legal right to collect to on that alleged debt. I have no legal signed contracts with XXXX XXXX, they purchased this alleged debt in hopes of obtaining as much money back as possible from their purchase. The alleged debt is already paid for. The collection of this alleged debt is a violation of 15 USC 1692e ( 1 ), 15 USC 1692e ( 2 ) ( A ), 15 USC 1692f ( 1 ). Additionally, pursuant 15 USC 1692a ( 6 ), any officer or employee of a creditor while, in the name of the creditor, collecting debts for such creditor ; any officer or employee of the United States or any State to the extent that collecting or attempting to collect any debt, can not be a debt collector.