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

On XX/XX/22 several checks from a JP Morgan Chase Bank were mailed from a USPS collection box outside the main branch of the XXXX, XXXX  post office. 

On XXXX I discovered taht the check was fraudulently altered and deposited into another account. I filed a police report, notified the US Postal Inspection Service, and Chase.

I placed a stop payment order on all missing checks from that mailing. 

Despite being alerted to fraud, and a stop payment order, A second fraudulently altered check was presented and honored by Chase. 

After the fact, Chase advised that they did not stop payment because the check number and check amount of the original check did not match the check presented. 

Since this time, Chase has refused to say if they will return the funds, and have said it is the responsibility of the depositing bank XXXX XXXX XXXX XXXXXXXX ) to return the funds. After two months I still have no idea if I will ever get any of my funds back. 

Chase 's use of " stop payment '' is deceptive and offers no protection, as I placed a stop payment and they honored a fraudulent check with an altered payee and amount. I find this outrageous.
Product: Checking or savings account

On XX/XX/2023, Chase Bank placed a hold on several joint accounts. Chase received a warrant from the Michigan Department of Treasury to garnish funds from accounts associated with XXXX XXXX. The accounts that are at Chase Bank are Joint Accounts. The joint account holders are not liable for the alleged debt. The joint account holders are an innocent party in this matter and Chase Bank needs to release the hold. 

Account Number last four digits : XXXX {$440.00} XXXX {$150.00} XXXX {$25.00} XXXX {$490.00} XXXX {$140.00}
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX, Missouri Laws Dear KIA FIN AM, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and the Missouri Revised Statutes under Sections 407.020 and 570.223. 

It has unequivocally come to my attention that KIA FIN AM has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law, specifically Section 407.020 of the Missouri Revised Statutes, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 570.223 of the Missouri Revised Statutes establishes clear guidelines for the protection against identity theft and the misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for KIA FIN AM to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that KIA FIN AM immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 407.020 and 570.223 of the Missouri Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Missouri state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that KIA FIN AM will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

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

in accordance with the fair credit reporting act XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. violated my rights 15 U.S.C 1681 section 602 A.states I have right to privacy. 15 U.S.C 1681 section 604 A sectin 2 It also states a consumer reporting agency can not finish a ccount without my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  submitted an inquiry to XXXX  for my credit report for a loan. I never applied for a loan through them nor did I authorize anyone to do so on my behalf. The inquiry needs to be deleted from my credit report by request of this lender who fraudulently requested a copy of my report without consent.
Product: Credit reporting

Experian is ignoring my numerous requests to investigate and remove accounts from my credit report that were opened fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, my wife called Rushmore Loan Management Services and made our XXXX Payment of {$3300.00} ( Acct # XXXX ) and received confirmation of the payment via Authorization # XXXX from the Rushmore payment system. While monitoring our Bank account to ensure the funds were debited via ACH, we noticed the funds remained in our account for a period longer than normal. On XX/XX/2023, my wife inquired with our bank to see why and learned that the ACH debit was not allowed due to an error with the input of the bank account number that was entered by voice on the call. My wife called Rushmore to see what kept the ACH from happening and was told she gave the wrong Account number when arranging the transaction. She then processed the payment again on XX/XX/XXXX. Our complaint is that if Rushmore uses an automated system to take payments, they should give us credit for making our attempt to pay on XX/XX/XXXX because we received a confirmation accepting the payment with the authorization number. The funds were available but we believe there may have been a glitch in their automated system that created the error. Nevertheless, we have never had a 30-day late for our mortgage, ever, and both of our credit reports took sizeable hits not reflecting our effort to make the payment on time.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my 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 its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : XXXX. Conducting inadequate investigations that fail to address consumer disputes properly. 
XXXX. Reinserting previously disputed and inaccurate information without explanation. 
XXXX. Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetrate the inclusion of inaccurate information on credit reports. I am deeply concerned that my PAST disputes have been mishandled in a similar manner.

Please review the Inaccurate Information being reported.
Product: Money transfer, virtual currency, or money service

When I logged in to my Citi account I wanted to send money to my wife via XXXX. I send money to her monthly in the amount of {$1800.00}. the web page asked me to verify my email, but in fact I was registering my XXXX account as if it was brand new. Once I got to the sending page there was a limit of {$500.00}. 
It was a long convoluted process to get out of the automated attendant and get to the proper person, In the wire department. 
In summary they said that even though they tried to change my identification back to my phone number there was no way they could increase my daily limit and it had to be done " over time ''. 
This is not helpful as I have been sending money via XXXX for years and my last payment was in XX/XX/2023 in the amount of {$1800.00}. 

This is causing me added costs, time and consternation as my account was working fine. 

Not at all helpful. Now I have to withdraw the funds manually and put the funds in the receiving account. 
Horrible experience and really no help from Citibank.
Product: Credit reporting or other personal consumer reports

Information still showing on consumer report after XXXX send paper showing it was deleted on XXXX
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX XXXX account information is inconsistent across the credit bureaus. This inconsistency and inaccuracy are harmful to my family and my livelihood as we are trying to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts no longer mine. According to 15 USC 1605 ( 5 ) it states that the insurance protecting the creditor against the obligor 's default or other credit loss, this is clearly violation of the law to to report with profit loss write off. I am formally requesting a copy of any documents, bearing my signature, showing that I have a legal binding contractual obligation to pay you, I am requesting you to sent the wet ink contract bearing my signature to be sent to me upon receiving this letter. 
ORIGINAL CONTRACT PAYOFF DISCLOSURE INTEREST RATE DISCLOSURE BALANCE HISTORY PAYMENT HISTORY CREDIT INSURANCE
Product: Credit reporting or other personal consumer reports

TRANSUNION HAS RECEIEVED AN FTC WITH INSTRUCTIONS TO DELETE THE ACCOUNTS REQUESTED AS FOR THE ACCOUNTS VIOLATE PROVISIONS PER 15 USC 6801 15 USC 6802 16 CFR 313.7 AND 15 USC 1681a ( 2 ) ( i ). TRANSUNION HAS NOT PROPERLY INVESTIGATED THESE ACCOUNTS PRIOR TO ALLOWING THEM ON MY CONSUMER REPORT BECAUSE TRANSUNION EXERCISE THEIR GRAVE DUTY MEETINGS REQUIREMENTS UNDER METRO2 TRANSUNION WOULD REALIZE THAT THESE ACCOUNTS ARE ADVERSE ACCOUNTS AND ARE COLLECTION ACCOUNTS SO NOW TRANSUNION IS NOT ONLY VIOLATING CONGRESS LAW 15 USC 1681a ( 2 ) ( i ) BUT 15 USC 1681e ( b ) FOR NOT HAVING ASSURED MAXIMUM ACCURACY AND NOT HAVING A SYSTEM IN PLACE THAT ASSURES MAXIMUM ACCURACY IN ACCORDANCE WITH METRO2 AND THE UNITED STATES CONGRESS LAW 15 USC 1681C ( 4 ) ( 5 ) WHERE CONGRESS SAYS NOT ADVERSE ACCOUNTS OR COLLECTION ACCOUNTS SHALL BE FURNISHED ON A CONSUMER REPORTS. TRANSUNION HAS COMMITTED VIOLATIONS AGAINAST THE UNITED STATES CONGRESS AND UNDER 15 USC 1681n IS LIABLE FOR STATUTORY DAMAGES FOR WILLFUL NEGLECT OF {$1000.00} PER VIOLATION AND I WILL PURSUE REMEDY AND USE THE FTC REPORT AND MY LAST COMPLAINT AND A COPY OF MY CONSUMER REPORT AS EXHIBIT PROOF OF VIOLATION FOR STATUTORY DAMAGES VIOLATIONS. NOTICE IT IS FACT PER INTERNAL REVENUE SERVICE POINT 431 CHARGED OFF DEBT IS INCOME AND INCOME DOES NOT BELONG ON A CONSUMER REPORT WHICH IS AN ERROR AND NOW A VIOLATION UNDER 15 USC 1681s-2 AND WILL BE FORCED TO FILE IRS FORM 3949a AGAINST TRANSUNION FOR AN IRS AUDIT .
Product: Credit card or prepaid card

During peak Covid in XX/XX/2020I was trapped out of the country ( XX/XX/2020 to XX/XX/2020 ) in the XXXX XXXX and received a phone call about a payment. I explained my situation being out of country and not able to return and I needed assistance with very minimum income coming in. They replied saying that i could have 90 days to make a payment in which they asked if i would accept this but would still be charged interest. I accepted. Once i made my way back to the USA, i received a notice from my credit reporting company that i had been flagged for a late payment for XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM 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 XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I sent {$170.00} to a seller on XXXX for a pair of sneakers through XXXX XX/XX/XXXX. The following day XX/XX/XXXX the seller kept making excuses that his XXXX account was acting up and requested for me to send it again. I sent 3 additional payments of {$170.00} totaling to {$520.00} XX/XX/XXXX. He made another excuse that I shouldve left a note on the payment and in order for me to get my money back Id need to send another {$520.00}. It was at this point I had a hunch that I was scammed. Ive reached out to Chase and and XXXX and they are unable to get my {$700.00} back. The seller has refused to send my money back and has blocked me.
Product: Payday loan, title loan, personal loan, or advance loan

I have fallen a little behind on my monthly loan payment. I am only XXXX  days past due on my account and I have never been late. I was XXXX  for a month and was not able to work and I do not get sick pay from my employer. Wilshire Consumer Credit has been calling me from different numbers 7 times per day to collect on a loan that is not even XXXX month late. 

On XX/XX/2024 at XXXX I received a call from the company ( Wilshire Consumer Credit XXXX and let the representative know about my situation. They were not sympathetic to my situation and proceeded to make rude comments to me about my outstanding balance. I asked to speak to their supervisor, I waited on hold for XXXX and the call disconnected on me. 

On XX/XX/2024 at XXXX am, I called the company back and got a different representative and I explained the previous situation to her. She put me on hold XXXX  times and then eventually said she was able to submit a request for a deferment for my past due XXXX balance and that I would have to check the website within XXXX hours to see if it was accepted and posted to my account. She also said she placed me on the XXXXDo not call list ' and would be sure I wouldn't get any more calls. 

On XX/XX/2024 at XXXX XXXX, I was called again by Wilshire Consumer Credit. I didn't answer. 

On XX/XX/2024 at XXXX XXXX, I received another call from Wilshire Consumer Credit and it was another different representative. So far this was the third person of the day from the same company. I explained that I had already taken care of the situation and he was not very nice to me. He spoke to me aggressively. I again asked to be placed on the do not call list. He seemed upset about that and hung up.
Product: Credit reporting or other personal consumer reports

I am formally contesting any inaccuracies on my credit report, aligning with the FCRA and Metro 2 data field reporting standards. Unsupported claims of delinquency and derogatory remarks can not be accepted without documented proof. Accurate and complete reporting, as mandated by federal and state law, is essential. I urge you to ensure factual, lawful claims and provide verifiable evidence for account existence and usage. If not, kindly remove it and send physical documentation of your actions and my updated credit report. Your prompt attention to this matter is appreciated.Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

American Express advertised on the internet if I applied for their gold credit card and was approved, I would receive XXXX points if I spent {$2000.00} within three months. I adhered to this program. but was told that I had a gold card 3 years ago and therefore was not eligible. There was nothing on the original advertisement that would exclude me on this offer, except if you read the fine print it does say " you may not be eligible if you had another card. I can understand that they would exclude me, but why did they wait until I spent over {$2400.00} to let me know of this procedure. I believe they should have disclosed to me this information at the time of approval, or at least when I received the card. I have sent many letters to other agencies, as well as the better business bureau, and have not received any additional guidance. I recently received a letter from AMEX that stated that their " research has confirmed that these terms were presented to and accepted by me during my online process '' This statement is ludicrous, why would I write so many letters to correct the situation. I certainly would not have pursued this if I had known upfront. I firmly believe they should honor their initial offering and I will pursue via letters and correspondence to other agencies if necessary. Thank You XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX account # XXXX, has violated my right XXXX XXXX XXXX XXXX XXXX account # XXXX, has violate my right XXXX XXXX XXXX XXXX XXXX account # XXXX has violated my right XXXX XXXX co XXXX XXXX account # XXXX, has violated my right XXXX XXXX XXXX XXXX account # XXXX, has violated my right XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my right XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my right XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my right XXXX account # XXXX, has violated my right. 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 state a consumer reporting agency can not fumish a account without my written instructions
Product: Student loan

I attended several for profit schools. Navient currently handles my private student loans in the tune of XXXX dollars. My private student loans should have been covered under the class action lawsuit brought against Navient for their illegal practices. 

The original loan balance was XXXX dollars and now it XXXX XXXX. Navient has proven to be a criminal enterprise that prays on peoples with these predatory loans. 

I was told that my loans did not qualify for forgiveness because I was in bankruptcy at the time of the lawsuit was in place making my loans current. Had I not filed for bankruptcy my loans would have been part of the discharge. 

Im hoping you can help resolve this issue and do the right thing and stop this criminal enterprise from further ruining my life as well as everyone elses life who are in the same situation. 

Please look into this and help with a resolution. 

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

WHILE I WAS AWAY XXXX MY TIME IN THE XXXX XXXX XXXX SOMEONE STOLE MY IDENITY. I HAVE NEVER FILED XXXX  BEFORE! I REALLY DON'T HAVE A REASON TO BECAUSE THE XXXX PAYS ME WELL. TRANSUNION WILL NOT REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT FILE. I AM TRYING TO REFINANCE MY {$300000.00} HOME BUT THE LENDER ID GIVING ME A HARD TIME BECAUSE OF THIS. PLEASE HELP ME GET THIS ISSUE RESOLVED.
Product: Credit card

On XX/XX/year>, I booked vacation house rental though XXXX to stay on XX/XX/XXXX to XXXX at the 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 for {$1300.00} free cancellation up to XX/XX/year>. Upon checking at XXXX, on XX/XX/year>, the property was XXXX miles away, XXXX XXXX XXXX XXXX, no swimming pool access. And the house provided only for XXXX people to sleep with XXXX bedrooms with XXXX XXXX XXXX ( sleep XXXX people ). I tried to call and text the host on that day, but they never return a call or a text. I also tried to talk to XXXX through chat to ask for the partial refund the amounts of the payment ( {$600.00} ). They claimed the property was nonrefundable at the time of booking. There is nothing they can help. I also called the Credit Card BMO they refused to help. They did not want to open dispute for this case due to the information they clamed that I received services I need to pay for it. Since the service I paid for XXXX people and receive only for XXXX people to sleep they provided. I can provided all information if needed. and I would like to get help.
Product: Vehicle loan or lease

I have made my payments to GM Financial for 36 months. My lease was up on XX/XX/XXXX I want to buy my car and have been approved for a loan to buy it at a credit union. On XX/XX/XXXX, I paid my XX/XX/XXXX payment through XXXX on my XXXX Account. I have paid my loan this way several times. The money was taken out of my account and applied to the wrong account at GM. It was determined at XXXX   that the loan number was off by one number. The payment had always had the wrong loan number on it so it must have manually been applied. I have talked to GM at least 15 times and XXXX 6 times regarding this issue. I have been told numerous times that someone was working on it and would call me back. No one has ever called me back. I have never been given a phone number and name of someone who was handling this complaint. I have not had anyone work on my behalf at GM. I have spent HOURS of my own time trying to chase down this payment. I paid my XX/XX/XXXX payment in XX/XX/XXXX so it wouldn't be reported to the credit bureau. GM has been provided proof from XXXX more than once that the payment was made and it is still not rectified. I receive 3-4 phone calls a day from GM telling me that I'm late and asking if I want to make a payment. I owe them nothing else but the car is still in my possession b/c I want to buy the car. I need help getting this resolved and ALL fees associated with it refunded!!
Product: Credit reporting, credit repair services, 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. XXXX 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 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.

These inaccuracies are keeping me from obtaining new credit
Product: Checking or savings account

Synchrony Bank refused to open a 5 year C/D for me even though I am a long time customer who recently sold their home and moved. I wanted to invest the proceeds of my home sale. They said I have to wait 60 days. I do have a freeze on my credit report. Why should a credit report be required to INVEST money from a long time customer?