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

Like many Americans I started to experience financial issues in the last quarter of XXXX. I noticed Chase had a banner for Covid Relief Assistance. 

Being a XXXX XXXX  XXXX vet and XXXX  citizen with a high balance credit card account number XXXX XXXX XXXX XXXX with them I thought they would work with me. I put the phone on speaker and my wife heard the entire conversation as she does with all business calls. 

They directed me away from Covid Relief which now seems like blatant ageism and insisted my only option was their Balance Liquidation Program. I was told the amount I needed to pay was {$200.00} a month. This amount seemed quite high for someone struggling financially on a fixed income but I was given no other choice. 

For 9 months I was able to pay that amount, sometimes even paying them before EATING. In the tenth month, I called to say I could not do it anymore and could only pay {$50.00} per month. This was in XX/XX/XXXX or XX/XX/XXXX. I was told to pay what I could. 

Fast forward 3 months of paying the {$50.00} per month and I am now told by Chase I am in arrears and will default on this credit card if I cant catch up what I didnt pay and continue to pay {$200.00} a month. 

I am told there is no way to lower a payment on this program which I was never told as my wife listens to all my calls with Chase and can attest. The agents were rude and deceptive. 

This is how Chase treats struggling seniors during a pandemic? They trick me into a program where I can never ever lower my payment? 

Shame on Chase. I was deceived on every level. And now I paid them and starved for nothing it seems. This is a warning for others, Chase does not have your back.
Product: Student loan

At the end of XX/XX/XXXX I requested that my payments made during the pandemic be refunded to me. I was told that my request was being processed. On the phone I requested the full amount of {$2000.00} and was told that they would submit the request and the department of the treasury would send a check. In XX/XX/XXXX, I received a check for {$370.00}. I am still missing {$1600.00}. In XXXX my loan servicer was changed to Mohela due to my eligibility for the public service loan agreement. After not seeing my missing money for months I contacted XXXX last week and they told me that a request was not made and that I have to go through with this process all over again with Mohela. When I contacted Mohela, they told me they couldnt look at my loan requests and that I had to contact XXXX.In XXXX, XXXX I recieved a second check. This time it waw from Mohela for {$370.00}. After calling them for months, I was finally told that I couldnt receive the remaining funds because I paid off a loan. In XX/XX/XXXX, I contacted XXXX and in XXXX they told me that Mohela gave me wrong info and that I in fact would receive the remainder of that balance as a check. Unfortunately I was also told they couldnt give me an estimate of when so I am very much in the dark on this process and need help. It has been a year and a half since my request.
Product: Checking or savings account

On XX/XX/XXXX, I went to Chase Bank ( XXXX CA ) and requested that {$25000.00} be deducted from my Traditional IRA Account and that {$10000.00} be deposited in my saving account, {$10000.00} be forwarded to the IRS ( to prepay XXXX tax ) and {$5000.00} be forwarded to the Franchise Tax Board ( CA ) to prepay XXXX state Tax ). 

The IRS received the {$10000.00} and credited by account and my savings account was also credited with a {$10000.00} deposit. I assumed the XXXX had also received the {$5000.00} and would credit my account. 

In XXXX, XXXX, I filed my California Form # XXXX ( personal Income ) and submitted the IRS Form 1099-R which I received from Chase Bank indicating that {$5000.00} of State Tax was withheld. 

In midXXXX, XXXX, I received an Income Tax Due Notice from XXXX that I owed {$5000.00}. My total tax for XXXX was {$8000.00} and I paid {$3000.00} at the time of filing, believing that the {$5000.00} which was deducted from my IRA account made-up the total of {$8000.00} FTI acknowledge receipt of the Form 1099-R but said that the cash was never received and that the Form 1099-R was just a piece of paper and that I still owed the {$5000.00}. 

When the Final Notice Before Levy and Lien was received ( XXXX ) I pay the XXXX {$5600.00} ( which included a penalty of {$580.00} and Interest of {$100.00}. 

Chase says it sent the money ; IRS says it didn't receive it. 

My XXXX account # is XXXX My SS # is XXXX How do I get my {$5000.00} back?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. Below is the account that need to be removed : XXXX XXXX XXXX
Product: Debt collection

It is absurd this law firm is permitted to function. They do and say whatever they want and the court just rubber stamps whatever they file. For one, they made publicly available every single credit card purchase I ever made. My case is not the only case this has occurred in. I know, because I went to the county court house and obtained credit card statements for these individuals and only the account number of a charged off credit card was redacted. This seems like a much larger violation of my privacy than the XXXX XXXX scandal. If this isnt illegal, then Congress seriously dropped the ball because the banking industry is regulated! Secondly, the fees on multiple writs they filed dont add up. The first writ filedXX/XX/XXXX costs are {$80.00} more than the affidavit of costs. Why when the fee for filing a writ is {$45.00}? The second writ lists costs are {$10.00} more than the first. Again, why when the filing fee for a writ is {$45.00}. On the third writ costs are {$150.00} more than the first writ. Again, why? It baffles me the court approves these writs when they do not have documentation to support the amounts listed. Finally, or at least the final complaint I am putting here, is they garnished {$280.00} from me and I have not been able to get confirmation this has been applied to my debt. Quite the opposite, I received a letter from XXXX XXXX claiming the balance is {$3200.00} only {$80.00} less than the writ served on my employer. I sent a letter to Machol and Johannes on XX/XX/XXXXrequesting verification of the balance and they have not responded.
Product: Credit card

I have received notice from 2 credit card companies- Total and XXXX XXXX that my credit limit has been frozen due to making multiple payments in the same month. They wanted to see my bank statement showing I am the owner of the account and to highlight the payments coming out. As of this date, they have not unfrozen my accounts and the letter states that my account could be closed. This is ridiculous as I have 2 checking accounts t that I use to pay my bills. They could care less and it sounded like the customer service rep was reading from que cards to respond to me.
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

The company is reporting that I owe a debt on m y credit report, once I called the organization I was told that they no longer own the debt but would not remove the item from my credit report. In addition, I was lied to by the first representative who told me that I could not get the company to remove the debt. I asked for a manager who told me that I did not have debt with them any longer and I told him I wanted the item corrected on credit report and I was told that it would be up to 45 days before that could occur. They also refused to let me speak to the in house attorney or a member of the administration team who handles credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A states I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card or prepaid card

On XX/XX/2020 my SSI was deposited onto my Directr Express Card at XXXX XXXX  at XXXX XXXX  all the cash was withdrawn at a bank ATM in XXXX XXXX Illinois for a total of {$780.00}. Problem is I had the card in my possession in XXXX XXXX   Missouri at my residence at the date and time. I discovewred the theft at XXXX. on XX/XX/2020 and reported the theft immediately to Direct Express. I then faxed a statement to them to help expedite the claim and to get my money back which is federally insured, I was told it would take 10 business days to recieve a free replacement card or I would have to pay {$13.00} for an expedited card which I would recieve in 2 business days which I reluctantkly opted for, since I need my money immediately. Then they told me that the money could take up to 90 days to be reinstated on the new card. I filed a police report with the XXXX  XXXX Police for identity theft and also contacted the XXXX XXXX Ill Police to report the incident. I try calling Direct Express and never get anyone on the phone to find out when my claim will be processed and to give them the police report number. I need my money ASAP and I cant figure out why if this happened at my bank the money would be replaced in a day and I would not be charged for an expedited card either. I am the victim yet they are victyimizing me a second time please help. My direct express claim number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$560.00}
Product: Debt collection

On Tuesday, XX/XX/2020, I received a phone call from XXXX at XXXX. Caller identified herself as being from a Collections Agency and that the call would be recorded. She asked for my husband or myself by name. I stated my name and asked where she was calling from. She said she was calling from IC Systems regarding a debt from XXXX XXXX. She told me that I had a past due balance from a previous address from 4.5 years ago. I was skeptical, as all services were paid and terminated when we moved to our current address. She was willing to send a letter in the mail if I updated my mailing address. I gave her current address and then asked for more detail about the past due bill. She gave me an amount due and an account number to reference. I told her I would need to contact the utility company at a later time. At XXXX on the same day, I called XXXX XXXX to speak with someone about the past due amount. The agent searched for my name, my husband 's name, the previous address, both of our phone numbers, and by Social Security number and was unable to find any amount that was sent to collections. She suggested that the call was a possible scam.
Product: Credit reporting or other personal consumer reports

DISCOVER BANK XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above. It reports late 90 days!!!! REMOVE NOW!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On Sunday XX/XX/2023 I awoke to notifications from my credit monitoring service that there were new late payments being shown on my credit report on all three bureaus (XXXX XXXX XXXX) from Nelnet servicer.  I quickly checked my account and found that it was in good order on line.  This has caused my credit score to drop XX/XX/XXXX points and is making approvals difficult.  

I am not late.  Even though I have been making payments, at the moment, all payments are paused by the Cares Act, specifically addressing how credit reporting will be done:

d) REPORTING TO CONSUMER REPORTING AGENCIES.During 
the period in which the Secretary suspends payments on a loan 
under subsection (a), the Secretary shall ensure that, for the purpose of reporting information about the loan to a consumer reporting 
agency, any payment that has been suspended is treated as if 
it were a regularly scheduled payment made by a borrower. 

I hope that his is taken care of by Nelnet, but retain my right to litigate if necessary.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Equifax Inability to Dispute and Incorrect Credit Reporting To Whom It May Concern, I am filing a formal complaint against Equifax due to its failure to accurately update and report my credit information, as well as its systems inability to allow me to dispute inaccuracies on my credit report.

I have attempted multiple times to dispute incorrect information on my Equifax credit report through their online dispute system, but I hav
e been unable to do so. The issues I am experiencing include : 1. Inability to File Disputes When attempting to dispute items, I am unable to select or submit disputes for any accounts on my credit report. The system does not allow me to initiate a dispute for any of the inaccurate data.

2. Incorrect Balances The reported balances for all my credit accounts are incorrect and do not reflect my actual account balances.

3. Incorrect Last Payment Amounts The last payment amounts displayed on my Equifax credit report are incorrect.

4. Incorrect Credit Limits The sum of my credit limits is inaccurately reported.

5. Lack of Updates Since 2024 None of my accounts have been updated on Equifax since 2024, despite the fact that my creditors continue to report accurate information to XXXX and XXXX. 
6. Discrepancy with Other Credit Bureaus My credit information is correctly reflected on both XXXX and XXXX, which suggests that my creditors are properly reporting my account data, but Equifax is failing to update my records accordingly. 

I am deeply concerned about the impact of these reporting errors on my credit profile and my inability to correct these inaccuracies through Equifaxs dispute process. I request that Equifax be required to : Immediately investigate and update my credit report with the correct balances, credit limits, and payment history as reported by my creditors.

Provide a resolution as to why my credit data has not been updated since 2024 and ensure that my report reflects the most up-to-date information.

Correct any technical issues preventing me from filing disputes through the Equifax dispute portal.

I kindly ask for the CFPBs intervention in this matter, as Equifaxs failure to report accurate information and provide a functioning dispute process is severely affecting my ability to maintain an accurate credit record. 

I appreciate your prompt attention to this matter and look forward to a resolution. 

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

This is my follow-up request to tell you to remove the disputed items from my credit report. I believe they are fraudulent and do not belong on my credit report. 

Kindly remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am one of the possibly affected 143 Million people in the recent Equifax Security Breach. Their conduct and handling of this situation is unacceptable, especially the sale of stock by their executives days before the breach went public.
Product: Credit reporting

I was a victim of Identity theft in XXXX. I was not made aware of this until XXXX of XXXX. In XXXX I filed bankruptcy due to excess bills left from XXXX divorces. I purchased a vehicle last year and at that time I found out there were a few items on my credit reports that I know nothing about. I was also made aware that I could not write checks at certain establishments because of XXXX reports. I recently received my XXXX report and there are a lot of items that do not belong to me. Almost everything after XXXX of XXXX til XXXX of XXXX, besides my bankruptcy is not accurate. I do have a copy of my police report and FTC XXXX # XXXX and my ID theft # XXXX. How do I get this resolved? It 's a nightmare!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was done by fraud and it still on my credit report and it needs to be removed it says its closed but it is still all there also i got a letter today from XXXX XXXX that the hard inquiries to open credit cards is fraud so those inquires need to be take off XXXX  and XXXX  need to be removed also
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Unauthorized Credit Inquiries Dear Equifax, I am writing to dispute several recent inquiries on my credit report that I believe were made without my consent. The inquiries in question are as follows : XXXX. *XXXX XXXX XXXX  Inquiry Date : XX/XX/year> Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/year> Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/year> Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/year> Phone : ( XXXX ) XXXX I do not recall giving any of these companies authorization to pull my credit report, and I believe these inquiries may have been made in error. According to the Fair Credit Reporting Act, a consumers credit report can only be accessed with the consumers consent, and I do not have any record of such consent. 

I request that you conduct a thorough investigation into these inquiries and provide me with proof of the permissible purpose for which my credit report was accessed. If these inquiries can not be verified as authorized, I ask that they be removed from my credit report promptly. 

Please send me a written confirmation of your findings and any actions taken regarding this dispute. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX SSN : XXXX DOB : XXXX
Product: Debt collection

I am writing to formally dispute the accuracy of several entries on my credit report. The accounts I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Status : Open The information being reported for these accounts is incomplete and inaccurate, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ). Specifically : Inaccurate Information : Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain accurate information. Any inaccuracies represent a failure to comply with this statute.

Consumer Rights : According to 15 U.S.C. 1681i, if the information can not be verified, it must be deleted. As such, I request that these accounts be investigated promptly. 
Fraudulent Reporting : The FCRA demands the correction or removal of any misleading or fraudulent information from a consumers credit report. 
Additionally, I will be sending copies of this letter to the Consumer Financial Protection Bureau ( CFPB ) and the Attorney Generals office for their records regarding the inaccuracies in my report. 
The landmark case XXXXXXXX XXXX Experian Information Solutions , Inc. demonstrates how courts have ruled in favor of consumers whose credit files contained inaccuracies. Furthermore, the XXXXXXXX XXXX XXXX XXXXXXXX case highlighted the obligation of credit reporting agencies to ensure that information like mine is accurately reported and can be effectively challenged. 
Given the critical nature of credit reporting accuracy, I respectfully request a thorough investigation into these discrepancies and a prompt written response indicating the findings of your investigation. If the information is found to be incorrect or unverifiable, I ask that these accounts be immediately removed from my credit report. 
Thank you for your urgent attention to this matter. I look forward to your swift response. 
Sincerely, XXXX XXXX