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

I am filing a complaint to Chase Bank in regards to the response that I received from the bank for initiating a refund process for unauthorized transactions of amount {$790.00} from my checking account. I appreciate their response to my complaint, but the response didn't address my issue as well as it didn't help me finding a solution. 

As their response ( attached document ), the Chase Bank sent me a 30-page booklet of " Deposit Account Agreement Privacy Notice How to Contact Us '' and a general explanation of 60 days time frame of claiming a refund. 

The amount of {$790.00} of unauthorized transactions happened between XX/XX/XXXX and XX/XX/XXXX. I immediately contacted the bank and filed a claim according when I first noticed those transactions on my bank statement on XX/XX/XXXX. So, all those unauthorized transactions happened within the past 60 days since I filed the claim. 

The bank in their response didn't address those transactions. However, they mentioned a transaction happened in XX/XX/XXXX. Unfortunately, they didn't explain enough how the XXXX transaction got linked with the unauthorized transactions. 

Again, Chase Bank 's response by sending some printed legal terms and general information didn't help me to find a solution. I would sincerely appeal to the bank to initiate a refund process so that the party/company who got the {$790.00} of unauthorized transactions can refund the amount. 

I've been with this bank for more than 20 years- I opened the account with the then XXXX XXXX/XXXX  XXXX. I hope that the bank would consider the suffering of a small account holder like me where {$790.00} is a big deal. 

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

Well they never helped. Me fix my credit, and they took money from my taxes and they will always say my score was fair and I will fo somewhere else they will tell me my score was super low  . I was actually happy thinking my score was getting fix but no I was played ...
Product: Money transfer, virtual currency, or money service

I purchased two cashier checks ( {$5000.00} each ) from XXXX bank in California, in XXXX and XXXX. XXXX was subsequently bought by Citibank. Four months ago I found the checks and deposited them into my Citibank account but they were returned ( and fees charged ). I visited the branch manager, XXXX XXXX, who promised to take care of it. After months of non-returned calls and emails, the bank told me that the funds had been escheated to the State of California. 

I wrote to the State who sent a letter informing me that they never received any funds, and to get the date of the transaction from the bank. The bank said they did n't know the date of the transaction. 

They then decided that the funds had been escheated to XXXX ( where I currently reside ), or XXXX XXXX. Both states ( and a search of ALL states ) did not have the funds. XXXX. suggested I ask the bank for the date of the transaction. 

They are refusing to return my funds ( even though they concede in writing that the checks do not expire ), based on the their emailed assertion that they do not keep records for accounts older than 10 years ( consequently I will be closing all my Citi accounts ). 

They accepted my money and issued me cashier checks. They lost their records and now refuse to cash their own checks. 

After XXXX months, I do n't know how to proceed. I have copies of the checks and all the correspondence between Citi and the states.
Product: Debt collection

XX/XX/XXXX contacted the company to explain that debt was not mine im victium of identy theft i have also had on report fraud alert that nothing shouldn't be authorize unless creditor contact me the company advise me this has nothing to do with them i still owe the balance i advise i was living at address XXXX XXXX XXXX XXXX XXXX fl XXXX since XXXX XX/XX/XXXX ... ... ... ... ... ... ... also dispute this multiple times with credit breau XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX XXXX ...... 

XXXX credit report show CAPSTONE CREDIT & COLL Original creditor : XXXX XXXX XXXX  XXXX XXXX {$4300.00} Balance updated XX/XX/XXXX ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' XXXX credit report show Collection Agency CAPSTONE CREDIT SERVICES Original Creditor Name XXXX XXXX XXXX XXXXXXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$4300.00} Amount {$4300.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification RENTAL_OR_LEASING Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact CAPSTONE CREDIT SERVICES  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' XXXX credit report show Account name CAPSTONE XXXX  Account number XXXX Original creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX Company sold - Account type Open account Date opened XX/XX/XXXX Account status - Payment status - Status updated XX/XX/XXXX Balance {$4300.00} Balance updated XX/XX/XXXX Paid off <1 % Monthly payment - Past due amount - Terms - Responsibility Individual account Your statement
Product: Credit card

I would like to know that the difference is between difference between the Signature and Platinum XXXX Extra Points Credit Cards? Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

i respectfully ask that all loans that are outside the SOL for Texas be removed from my credit reports ASAP.Please remove all loans that are outside the statue of limitation of 4-7 years ASAP. Thank you. This should be done on all CRAs. I have emailed several times and it has been more than 30 days since my original request. Under the FCRA, you are legally obligated to respond. Please remove the student loans from my CRA reports immediately. They have been removed from XXXX, and should be removed from all others as well.
Product: Credit reporting or other personal consumer reports

I need proof that XXXX is the rightful owner to collect on this account. I've asked for XXXX, chain assignments etc that proves thier are the holder in due course
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX To XXXX, TransUnion and XXXX, DELETE XXXX XXXX   XXXX because of multiple inaccuracies. 1. In the account number sections of this listing their are 3 different account numbers reporting. TransUnion is reporting XXXX as the account number. XXXX is reporting XXXX as the account number. However XXXX is reporting XXXX. These account numbers are inconsistent. 2. In the Last Payment section of this listing. TransUnion and XXXX is reporting XX/XX/2018 for last payment made. However, XXXX   is reporting XX/XX/2018 as the last payment date made. These dates are inconsistent. 3. In the Date Opened section of this listing. XXXX and XXXX is reporting XX/XX/2018 for date the account was opened. However TransUnion is reporting XX/XX/2018. 4. This is a closed account that still is reporting current activity on it. How could this be. Dont you get your reporting from the same company? Please Delete
Product: Debt collection

Formal Complaint Against Best Service Company and XXXX XXXX  Regarding Reporting of Paid Debt Dear CFPB, I am filing this complaint against Best Service Company and XXXX XXXX  for their failure to update my credit report to accurately reflect the payment of a debt I settled months ago. Despite fulfilling my obligations, this account continues to be reported as unpaid, causing harm to my credit profile and financial well-being. 

The facts of the case are as follows : Account Details : Original Creditor : XXXX XXXX XXXX XXXXXXXX : Best Service Company Payment Made : I paid the debt in full directly to Best Service Company several months ago. However, my credit report still reflects the debt as unpaid, which violates the accuracy and timeliness requirements under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Failure to Update : According to the FCRA, credit information must be accurate and updated promptly. The continued reporting of this debt as unpaid violates 15 U.S.C. 1681s-2 ( b ), which requires furnishers of information to conduct a timely investigation and correct inaccurate information.

Communication Attempts : I have made multiple attempts to contact Best Service Company to resolve this issue, but their listed phone number leads only to voicemail, and my messages have gone unanswered. This lack of responsiveness further exacerbates the issue and demonstrates non-compliance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which requires debt collectors to communicate in a timely and transparent manner. 

Impact on Me : The inaccurate reporting of this paid debt has caused undue stress, financial harm, and potential loss of opportunities due to its negative impact on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS

XXXX XXXX XXXX 


MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

MY PHONE NUMBER IS

XXXX XXXX XXXX

MY EMAIL ADDRESS IS

XXXX  

MY SECOND HOME ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Product: Mortgage

Back in XXXX 2016 we had signed a contract to sell our home. Before the closing my attorney noticed there were XXXX defects in the title the assignment and the satisfaction. He faxed to Ditech servicing the loan for Greentree Servicing LLC all the information needed to correct this issue. The closing was on XXXX XXXX 2016, and the correction has not been done and there is {$10000.00} in escrow which belongs to me. My attorney and I have made numerous calls with no results.
Product: Credit reporting or other personal consumer reports

This complaint is directed at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX for their persistent reporting of inaccurate and harmful information to credit reporting agencies, which has caused significant damage to my financial standing. These actions constitute violations of federal consumer financial protection laws, including the Fair Credit Reporting Act ( FCRA ). 

Details of the Harm : XXXX XXXX XXXX : XXXX XXXX XXXX is reporting a charged-off account with a balance of {$5100.00}, even though public records confirm that the company is not authorized to conduct business in Texas. 
Records from the Texas Secretary of State and Comptroller show that XXXX XXXX XXXX franchise tax status is Ended and its registration is Inactive. 
By reporting accounts for Texas residents, XXXX XXXX XXXX is engaging in unlawful conduct. 
XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX is reporting a charged-off account with a balance of {$43000.00}, accompanied by numerous inaccuracies : Payment terms are listed as {$0.00} per month for 75 months, which is inaccurate. 
The Last Payment Made is recorded as XX/XX/year>, but the payment history shows {$0.00} received. 
Conflicting statuses ( e.g., charge-off and account closure dates ) render the reporting misleading and harmful. 
XXXX XXXX : XXXX XXXX is reporting adverse information on my credit report that is not mine and is potentially connected to trafficking-related circumstances. 
This reporting has negatively impacted my creditworthiness, despite multiple disputes and supporting documentation submitted to clarify the inaccuracies. 
Actions Taken by Me : I filed formal disputes with the relevant credit reporting agencies ( Experian and XXXX ) to correct the inaccuracies caused by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX. 
I provided documentation of XXXX XXXX XXXX inactive business status in Texas, payment records for XXXX XXXX XXXX XXXX, and evidence of my status as a trafficking victim. 
Despite my efforts, the companies have failed to address the inaccuracies, and the adverse information remains on my credit reports.
Product: Debt collection

collector : castle credit corp holding, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL, XXXX,,,, phone # XXXX i sent this company letters that were certified by US Postal return received. The last was received by the company on XXXX XXXX. I told this company that this is not my account and why they are insisting that it is but they want provide me with legal documents verifying that it is mine. Today is XX/XX/XXXX and i have yet to get a reply from this company. The account was open, according to the my credit report XX/XX/XXXX. I notice that the payment history doesn't show a payment received on that date.I also notice that XXXX is not noting that the account is being disputed by the customer.Also notice the last payment reporting different with all three credit bureaus.XXXX  report : XX/XX/XXXX, XXXX report:XXXX, XXXX report : XX/XX/XXXX ( all three Inaccurate ) ( Note ) XXXX has a payment being received XXXX, but the payment history show it being 60days late on that day.XXXX, XXXX and XXXX report monthly payment as XXXX. theirs more Inaccuracies than i have letter space for.
Product: Credit card or prepaid card

I opened a capital one secure credit card in XXXX of last year. Ive maintained the card perfectly and since increased my credit score significantly. Capital one and other credit card companies are now sending me offers daily to open new cards. My issue is that capital one has not upgraded my secure card to unsecured ( thereby releasing my {$1000.00} ) but they are sending me offers for new credit lines. If Im able to open a traditional unsecured card through their company I should be able to unsecured my card without having to close the account and hurt my credit score. I asked the company the process on in securing the card and there are no set review periods or metrics or ways to request a review. I find this to be a deliberate attempt to hold onto peoples funds for longer than is needed. This should be criminal.
Product: Mortgage

On XX/XX/18, my husband and I purchased our home using {$360000.00} of mortgage proceeds from XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The purchase price of the home, supported by the appraisal, was {$400000.00}. At some point in the next several weeks our mortgage was sold to Home Point Financial Corporation. On XX/XX/18, after selling our condo, we sent certified funds of {$39000.00} to Home Point to pay down the principal of our loan. This payment, along with the regular monthly payments to date, brought our XXXX ratio down to 80 % based on the original value of the home. We also provided a check for {$150.00} for a new Broker 's Price Opinion to verify the value of our home and requested the removal of the private mortgage insurance of $ XXXX. However, the XXXX provided by the company engaged by Home Point showed a new home value of {$350000.00}, a drop of {$49000.00} in less than 6 months. Upon closer review, it became apparent that the XXXX used inappropriate comps. Our home is a rowhouse with no association fees, but the XXXX only used townhouses with association fees as comps. The presence of association fees has a significant impact on the value of the homes. I brought this to the attention of Home Point via email on XX/XX/18. After repeatedly following up, I finally received a response from Home Point on XX/XX/18 stating that the XXXX is accurate and we would need to pay another $ XXXX in order for the PMI to be removed on our mortgage. I've asked for further information regarding the XXXX but received no response. I've also asked for the contact info. of an individual at Home Point, but only receive unsigned communication from a general Home Point email address. We have made all required monthly payments before they were due. We can not help but wonder if Home Point is getting a kickback from the private mortgage insurance provider by ordering erroneous XXXX 's and refusing to remove PMI requirements.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  illegally and continues to break all fair crediting acts they were served with the season desist to where they couldn't sell my credit to anyone they couldn't sell the debt to anyone this car was not mine to begin with I was authorized user and I never use the card and they know it it was from my deceased Aunt the account was opened up XX/XX/XXXX of 2024 that's the first time that it showed up on my credit report with XXXX we are now in XXXX of 2024 by the Fair crediting act they can not have this on my credit history and 2024 this is over XXXX years old this is illegal and they know it they've been contacting more than a hundred times in the last 10 years to remove this from my credit report and I want all negative remarks from this company removed from my credit report now
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 list of accounts XXXX account XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX XXXXXXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXXXXXX 15u.s.c. 1681 section 602 a states i have the right to privacy 15 u.s.c. 1681 section 204a section 2 also state a consumer reporting agency can not furnish an account with my written instructions 15 u.s.c. 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumers report containing any of the following items of information any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 

15 u.s.c. 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information related to a consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5 dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor , 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. 16815-2 ( 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

Fraud charge of over {$600.00}. Dispute was resolved but in the process another card was opened without my authorization. Im told it has a balance and was closed because the balance was unpaid. I can not get any information from Synchrony about the matter. Their customer service is the worst I have ever experienced. They never leave voicemails when they call, so I dont ever know what they are calling about. They have no clear records of prior interactions, so I talk to someone new each time who has no info or incorrect info and continue to be transferred without getting to anyone who can answer my questions. A supervisor said they couldnt talk to me because I needed to talk to the recovery department. I had just spoken to the recovery department and was transferred back to them. Im an honest customer trying to make sure I have my balance correctly paid and have excellent credit. I should not have to go to such lengths to resolve a fraud dispute or ensure my balance is paid off or to get a straight answer about how many accounts are open to ensure there isnt identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a freeze on all three major credit reporting agencies. Checked reports on XXXX to apply for a loan all XXXX reports states there was an account opened on XX/XX/XXXX, but just one agency states the account was first delinquent in XX/XX/XXXX, there is different addresses for the account holder, discrepancies in the dates the account was opened and the addresses of the account holder. Disputed the account on all XXXX credit reports on XXXX my disputes was canceled so that it did not show that I had disputed the account. All XXXX credit reporting agencies states they have investigated and verified this account in one day on XX/XX/XXXX the day following a 3 day XXXX XXXX XXXX weekend holiday, which the account holder is closed. No inquiries are reported on either report. Asked for verification in writing that this account was opened on XX/XX/XXXX or must Delete this from my credit report, this violates my rights. I have not had a response from either credit reporting agency. XXXX checked the report on XXXX the account has not been deleted. Thank you.
Product: Debt collection

Account Details Last Reported XX/XX/XXXX Collection Agency DIVERSIFIED CONSULTANTS INC Original Creditor XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$3500.00} High Balance {$3500.00}
Product: Credit reporting or other personal consumer reports

Hard inquiries are illegally being shared on my Consumer Report without my consent. This is causing harm to credit worthiness by violating my rights under 15 USC 1681 ( b ) 2 Permissible Purpose- any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ). in accordance with written instruction of the consumer to whom it relates, and also under 15 USC 6802 - Obligations with respect to disclosures ; a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ( b ) Opt Out - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party ( B ) the consumer is give the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such third party. I did not give XXXX XXXX, XXXX or XXXX ) permission to share my information, nor was I give the opportunity to OPT OUT of having my information shared with consumer reporting agencies. This is a clear violation of the rights and I have a right to my privacy.