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

On XXXX XXXX Chase bank allowed a debit of XXXX to internal revenue services in which a payment arrangement was going to be for XXXX XXXX and not XX/XX/2019. 
US Senator XXXX XXXX sent me a letter that l am going to share with Chase bank Rep on XXXX XXXX as a affordable payment should be implemented. 
Also, my Dad passed away recently and financially put a strain on me with funeral costs.
Product: Credit card

On XX/XX/XXXX, I received a fraudulent transaction for {$22000.00} on my credit card, which I later learned from Chase was a watch from the vendor XXXX ( XXXX ). I reported this transaction immediately, and my card number, ending in XXXX, was canceled- also, my XXXX account was bombarded by newsletters from all over the world. Scammers do this to prevent the user from noticing alert emails. I received a text message from Chase, where they stated the transaction was declined. 

According to XXXX, a replacement card ( ending in XXXX ) was issued and sent to my home address in XXXX XXXX, NY, on XX/XX/XXXX. On XX/XX/XXXX, I noticed a suspicious transaction in my credit card activity. I called Chase immediately to report this again, and as I was talking to their team over the phone, a fraudulent transaction was being executed in XXXX for {$250.00}. That card was canceled again, and a third card was sent to my home ( XXXX ), which I received. 

The Chase team told me that the XXXX card was delivered, according to a XXXX proof of delivery, to my XXXX home on XX/XX/XXXX at XXXX XXXX, and it was being used in XXXX, GA, the next day. I have cameras at home, and that card was never delivered- it was stolen and not from my mail. In the end, XXXX transactions for {$360.00} were done with that credit card - all of them reported to Chase in a timely manner and removed. When you check the delivery details, it says it was delivered to XXXX, NY- not my house in XXXX XXXX, NY. 

On XX/XX/XXXX, all the transactions, a total of {$23000.00}, were re-billed to my Chase credit card. Chase is saying that I received the benefit for all of these transactions. The merchant, XXXX, is showing proof of delivery to my house, which never happened. My signature is not a match to any occupant of my home. It is important to mention that the proof of delivery of both packages is dated on the same day with a two-minute difference. As for the credit card XXXX  delivery, when you check the details of the delivery, it says it was delivered to XXXX, NY- not my house, which is in XXXX XXXX, NY. 


As a consumer, I did everything in my hand to stop this fraud, reporting everything in a timely manner and still being charged {$23000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the validity of a Bankruptcy reported LexisNexis on multiple occasions. They have continuously advised that the bankruptcy has been verified and has yet to confirm, in writing, HOW they have verified this information.They have stated that this information has been verified by the bankruptcy court, however, I have been notified by the court that they do not verify any information with any credit bureau.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXXXXXX XXXX I went to a sellers home to purchase an item, because they wanted to sell the item that night I didn't have cash. The seller stated she had paypal so I created an account typed in her email clicked on her name and sent the XXXX. Asked the seller did she receive it she said no, then went to try and cancel it the transaction was already completed. The person it went to has the exact first and last name as the seller.I called the next day and was told because of the way it was sent ( friends and family ) even though that's what the seller requested was not covered under buyer protection and that I should contact my bank for a chargeback and reach out to the person who received the money to which I did and my bank said they couldn't because it was sent to a person and the email comes back everytime as not valid. I was told to file a complaint with ic3.gov and I haven't heard anything about that either. I continued to call customer service and it's like they were reading off a script telling me the same thing every time i called, that they would file an appeal and I would receive an email which was a lie because I never received any emails.so I asked them what happens to my money if its not claimed and the person doesn't use paypal anymore mind you its been over 40 days and no response. Then I was told they would reach out to her through email and call, still no response. Their customer service is a joke they don't try to help you at all they just keep giving me the run around. This is a large sum of money and I'm a XXXX veteran trying to help my daughter with this item. If this was XXXX I would just take it as a loss but this is alot of money to me.Any help you can give is much appreciated.
Product: Bank account or service

XXXX/XXXX/15 : I attempted to withdraw {$100.00} from a PNC bank ATM and only received {$60.00}. I reported the discrepancy and was issued a provisional credit pending the outcome of the investigation into the dispute. 
letter dated XXXX/XXXX/15 : I received a letter indicating that the transaction was processed correctly and the money would be withdrawn from my account. Upon receiving this letter, I called PNC to request the documentation of the investigation and was told that I would need to call to speak with the disputes department. 
XXXX/XXXX/15 : I called to request documentation of the investigation and was told that there was no documentation to be sent and that I could not speak directly with the disputes department. When speaking to a manager, he informed me that PNC saw no error reported by the ATM in question. He said that I could reopen the dispute and it should be resolved within 45-90 days. I informed him that they only had a maximum of 45 days to resolve this to which he disagreed. The manager stated that PNC was doing me a favor by reopening the investigation. He then dismissed my inquiries into why and how the initial dispute was never fully investigated and pushed to have me end the call.
Product: Checking or savings account

XXXX had a long-standing deposit relationship with Chase Bank , even to the point of having a favorite teller with whom she dealt on a regular basis. She also felt close to the XXXX XXXX whose name was also " XXXX ''. Her banking history shows a frugal person whose only large transactions involved charitable contributions prior to these incidents. These incidents should have alerted anyone that they were unusual and deviations from the norm. Knowing our mother as we do, she would have also been very secretive about these transactions.

1. In person purchase of large cashiers checks purchased to send money to strangers whom she had never met ( Seven ( 7 ) separate occurrences from XX/XX/XXXX to XX/XX/XXXX ). 
2. Large personal checks against her accounts to individuals ( NOT charities ) from XX/XX/XXXX through XX/XX/XXXX. In one case, three of these large checks cleared her bank on the same day. 

We filed a lawsuit in LA XXXX XXXX due to the XXXX nature of our conservatorship. The bank was able to get the matter moved to the XXXX XXXX and the case is on its way to being " dismissed '' because we Do not have a private right of action. Our only recourse is to contact CFPB and the media to highlight this issue in the hopes that something will happen to incentivize these banks to take better care of their senior customers. 

We even sent them this information from the CFPB website and their response what essentially, " Not our responsibility ''. 

Elder financial abuse prevention can be viewed to fall within a financial institutions general obligation to limit unauthorized use of customer accounts as well as its general privacy and data security responsibilities. As a result, a financial institution that fails to implement a robust elder financial abuse prevention program risks becoming the target of a CFPB enforcement action for engaging in unfair, deceptive, or abusive acts or practices. In addition, given that the CFPBs new leadership has identified XXXX as a priority area, it would not be surprising if CFPB examiners, when examining banks and credit unions subject to CFPB supervision, look at such institutions programs for preventing XXXX and use the XXXX recommendations in evaluating the programs. 

We have attached all the evidence we filed with the court along with copies of our Letters of Conservatorship and Order of Conservatorship.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX ( Original Creditor : XXXX XXXX  XXXX  ) Account Number : XXXX Reason : Account is fraudulent I am a victim of identity theft and as a result, I have multiple fraudulent accounts on my credit report. These accounts were created without my knowledge and I have no access to them. This account is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the account, in full, to Nothwest Financial for {$300.00}, on XX/XX/21. It still shows on my Credit Report as an open collection account. I have disputed this issue with XXXX XXXX and they say it is verified as accurate. I have the confirmation number, XXXX, showing that this was paid in full.
Product: Debt collection

Before I file a lawsuit against XXXX my lawyer advice me to try to resolve this amicable via the Bereau of consumer Financial protection. XXXX XXXX XXXX XXXX has been harassing me since late last year on my credit reports on XXXX & XXXX. ( 15 United States Code section 1692d ( 2 ) ). I have been in contact with them multiple times sent certified letters to them as well on XX/XX/XXXX. Last letter I received said " Based on the information you provided we have instructed the credit bureaus to delete the above reference XXXX account from your credit file. '' But no action was taken my credit report from XXXX XXXX XXXX currently still shows XXXX XXXXAccount NumberXXXXAccount Type XXXX Installment XXXX Terms XXXX 1 Month XXXX ; Date OpenedXX/XX/XXXXAccount Status XXXX Closed XXXX Payment Status XXXX Paid XXXX Payment Status s Updated XX/XX/XXXX Balance {$0.00} #. XXXX violated 15 USC 1692e ( 2 ) ( A ) by falsely reporting the legal status of the account as " Installment. " #. XXXX violated XXXX XXXX XXXX ( XXXX XXXX by communicating credit information which is known or which should be known to be false, by reporting the account as " Installment. " #. XXXX violated 15 USC 1692e ( 10 ) by using any false representation or deceptive means to collect or attempt to collect any debt by reporting the account as " Installment. '' or " terms '' I never entered into terms with them. All I ask if for them to delete this account of my XXXX and XXXX credit report.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 USC Code 1681eb. 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 to be removed.

They are not in compliance with the following law. 15 USC 1666b 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!

15 USC 1666b ( a ) Time to make payments 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 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( 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 1002 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, XXXX  has allowed XXXX XXXX to report open account on my credit profile although I notified the credit card company that the initial account was opened fraudulently. Ive also notified all three bureaus of this. The company is now violating my rights under The FCRA and has re-opened an account that should have never been there in the first place. The account is showing re-opened in my credit file as ofXX/XX/XXXX and has also cost me -45 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications regarding the investigation results. It has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and have yet to receive any response.
Product: Credit card or prepaid card

This company was asked to remove a specific service several months ago from my account, and they acknowledged. They have continued to charge for it and have not removed it, and are now challenging me on this very subject. As you can see from the complaints this is not the only problem I have with them.
Product: Credit reporting or other personal consumer reports

It has come to light that you are not removing the records, despite my submission of the FTC report. As required by Regulation 605b of the FCRA, I am sending this complaint to help establish a formal response. If you choose not to remove the items listed below, which are inaccurately reported due to fraud, I will turn over my documentation to my attorney to initiate legal action. My intent is to avoid any legal proceedings, so I urge you to comply with the law promptly. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXXXXXX Balance : {$2800.00}
Product: Consumer Loan

My vehicle was totaled by my insurance company due to extensive hail damaged. When I contacted my lender, Regional Acceptance Corp, I was told that the GAP policy would cover the remaining balance after my insurance company paid a settlement to the lender. The GAP did not cover the full balance because, as I was told, it did n't compensate for extension processed on the account. I did not receive any disclosures indicating such, and this could 've altered my decision to accept an extension on monthly payments that I fell behind on. Therefore, I 'm requesting that the deficiency balance be waived by the lender, and all negative credit impacts be removed from my credit report to reflect that the loan is paid in full. I feel taken advantage of because of this and the outrageous interest rate given to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint # XXXX previously and received a reply through your agency from Experian. They stated in that reply that they would send a FORM for me to fill out and mail in to permanently opt out of my information being shared with their " partner '' companies or whatever. I received a notice from them ( with my credit report which I did not request ) in the mail that stated that I needed to write a letter to a certain address in order to remove my name from their " mailing lists. '' No form. And I received a postcard from them stating the same thing. Neither the envelope for the notice and credit report nor anywhere on the postcard was there any identification that this was coming from Experian. I could easily have thrown the envelope out assuming it was junk mail -- with all my information on it (! ) -- and I could easily have dismissed the postcard ( with its tiny print ) as nothing important. This is not the way to take care of someone's important information or important instructions for how I can maintain my privacy. Again I am outraged at Experian 's flagrant disregard for my privacy.
Product: Mortgage

The loan on my home was being serviced by Litton Loan Servicing. I got behind on the loan because of health issues. My friend and associate loaned me money to bring the loan current and she was given an ownership interest in the property. She was given full Power of Attorney to get any information on the loan and to act on my behalf. The insurance policy on the property was changed. The premium for both the old policy and the new policy was taken out of the escrow account. An insurance premium of {$1600.00} was refunded to me. I was told to send the endorsed check back to Litton Loans and my escrow account would get the credit. The credit was never given. It was discovered that we had not received credit for several other payments. While we were in discussion with Litton Loan Servicing about the missing funds, we got notice the loan servicing was being transferred to Ocwen Loan Servicing. We were told by Litton Loans to take up the missing funds issue with Ocwen Loans. When Ocwen got the loan, the name on the loan changed as well as the payment and other charges. We still made every payment but four payments got lost in the servicing transfer. Ocwen Loans would not talk to us as the name on all the loan documents was now different and we could not provide identification in that name. It did not help that we were having very serious problems and the call center was overseas. They could not address the missing funds issue.Ocwen Loan Servicing started a foreclosure. The missing funds were never located or accounted for. The loan documents were in one name and the foreclosure was started in my proper name. The issue could not be resolved. We had to hire an attorney to represent us. The judge listened to all the issues in the foreclosure hearing and denied the Motion For Order Authorizing Sale. He agreed the accounting was problematic. The issue still has not be resolved. Ocwen Loans still wo n't talk to us and there is cloud on the title created by the name change on the loan documents. We can not afford another attorney. Massive fees are accumulating and a new foreclosure has been started. We desperately need someone to look into this situation and help us get an accurate loan balance and a clear title if the loan is paid off.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting, credit repair services, or other personal consumer reports

account : XXXX XXXX - XXXX I didn't give the credit reporting agencies permission to report some of the accounts I'm trying to get removed. This is a violation of 15 U.S. Code 1681b ( a ) ( 2 ). This law states that a consumer reporting agency can only provide a consumer report with the written instructions of the consumer. This violation can lead to identity theft, which is concerning. 

According to 15 U.S. Code 1602 ( l ), a credit card can be any device used to obtain money, property, labor, or services on credit. Therefore, if I didn't give a company permission to share my credit card information ( like my ID or SSN ) with a credit reporting agency, this is a violation of 15 U.S. Code 1681s-2 ( a ). 

This law requires that a consumer reporting agency must block the reporting of any information in my file that results from alleged identity theft. The agency has to do this not later than four business days after receiving appropriate proof of my identity, a copy of an identity theft report, identification of the information by me, and a statement from me that the information is not related to any transaction by me.
Product: Vehicle loan or lease

The car dealership charged me for a insurance that was supposed to be peyed back from Wells Fargo at the end of final payment never got any thing at all except a big run a round I'd like to get the money owed to me back
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 a hard inquiry appeared on my credit report labeled " XXXX '' it happened without my knowledge or permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX Account Number : 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.
Product: Checking or savings account

I received a settlement in XXXX XXXX the deposit was placed in my checking Account. I was told there will be a hold for 7 business days. that was fine. when the check cleared, I paid cars and credit cards, never withdrawing small amount. I did not open a money market account. I have been requesting since XX/XX/XXXX for my copies of Statements from XX/XX/XXXX to XX/XX/XXXX. This is what I have been trying to get. I have submitted Certified letters to all the XXXX from XXXX until XXXX in getting the copies I have been doing my best to get. XXXX XXXX, whom I have written to in XXXX, XXXX XXXX XXXX and so many other XXXX in the company. no reply from Bank of America at all. I went to the Branch on XXXX in XXXX in XX/XX/XXXX to get help in getting the copies of the deposit and the bank statements from XX/XX/XXXX to XX/XX/XXXX. I was told that the copies have to be special order because it has been a very long time, I was told since I have been coming to the bank often, as a courtesy the fee will be waive due to the circumstances. XXXX XXXX XXXX had also promise she would get the copies and send them. she stated she needs some time to send them.3 years should have been long enough. Don't You Think? If Bank of America could please submit the copies as promise from my XX/XX/XXXX large deposits and all the statements from XXXX XXXX to XX/XX/XXXX. The operation of older transactions can be retrieved from the special order. I worked foXXXX XXXX XXXX XXXX XXXX  and my late husband worked for XXXXXXXX XXXX XXXX XXXX as well as XXXX XXXX XXXX which his experiences is 35 years. microfiche should not take long considering how in orderly everything stays in the vaults Thank you.
Product: Debt collection

The company is one main financial I do have a loan I am making payments on they call me 2 to 5 times a day every day except Sunday I submit payments monthly of the amount owed and they still continue to call