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

I am writing to file a complaint against Chase bank. On XX/XX/XXXX, Chase closed my account without providing a reason and informed me that I would receive my funds on XX/XX/XXXX, after a XXXX day waiting period. However, when I visited the bank, I was told that a check would be mailed to me instead. 
Chase split my funds into three parts : {$4200.00} ( which was mailed to me ), {$3800.00}, and {$1700.00}. Chase is currently holding the latter two amounts, despite me providing all necessary information and contacts for verification. This includes checks payable to my business, and checks related to XXXX XXXX ( which is me ). Chase is refusing to contact the numbers I have provided and has not given me an estimated timeline for resolution. 
I have tried to resolve this issue with Chase, but their agents have been unhelpful and uncooperative. This situation is causing me significant financial hardship and distress. 
I would greatly appreciate your assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you a
re required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My husband and I have owned our home for close to 20 years. We were doing fine until CXXXX XXXX XXXX XXXX. I was hospitalized for 4 months and near death and it was very traumatic. Due to the income loss from Covid our family was not able to keep up with our monthly mortgage payment to Select Portfolio Servicing. I called them to ask if they had any programs to help homeowners who were financially impacted by Covid and they told me no, they did not have any programs to help. The agent told me that if we were struggling we should just pay the principal and interest and not the escrow for the time being. We took that advice because we did not know about the CARES program or any other options that should have been offered to us and as a result we are now behind about $ XXXX and they have told us we are going to have to reinstate that full amount or they will be starting foreclosure down the road. I am healthy and back to work and my husband recently received a raise and we have the ability to make our regular payment but need help dealing with these late payments -- -we do not have the resources to pay back the full amount and need help. I still dont understand why they obstructed access to the government programs set up for homeowners struggling due to Covid and did not even consider a forbearance or modification or anything. 

XXXX has worked as an XXXX XXXX for 30 years and I have worked in accounts payable for 20 years. We have raised our family in this home and have always done everything we could to meet our financial obligations. In spring XXXX our county was declared a disaster area. I suffer from XXXX and XXXX and these underlying health conditions severely affected me when I got XXXX and I nearly passed away and spent 4 months in the hospital and was out of work for 6 months. When we called to talk to SPS about our situation and that our financial problems were Covid related I dont understand why their agent denied access to government programs related to Covid hardship that we qualified for, such as the CARES forbearance. Instead we find ourselves behind $ XXXX and in a difficult position without the ability to get caught up. I tried to submit a loan modification application several weeks ago but have not heard any response and based on my past dealings with this company I dont hold out much hope for any type of help from SPS.
Product: Credit card or prepaid card

In XX/XX/XXXX I purchased XXXX XXXX XXXX from XXXX ( I did not use my BoA card for this purchase ). 

XXXX XXXX is advertised to have a free federal AND one free state e-file. I did my taxes on XX/XX/XXXX and e-filed my federal return and one state return, which was supposed to be free. XXXX charged my BoA card on XX/XX/XXXX for {$44.00} for a state e-file. 

On XX/XX/XXXX I disputed the charge in its entirety. BoA requested supporting documentation later that same day, so I sent BoA a screenshot of the XXXX XXXX software on my computer as well as a screenshot of XXXX XXXX own website showing the XXXX software is supposed to include a free state e-file. 

On XX/XX/XXXX BoA sent me an electronic communication stating my claim was denied. I called BoA that same day and spoke to a rep in the Claims department who notified me what BoA wanted in order to move ahead with the claim was my receipt from when I purchased XXXX XXXX. BoA told me the only ways to send the supporting documentation was either via fax or mail, for some reason they no longer accepted electronic submissions of documentation, even though BoA was fine with electronic documentation on XX/XX/XXXX. 

I was provided a fax number of XXXX-XXXX-XXXX, and was told once received it would be processed within 24 hours at the maximum, and I was told by the rep I only needed to include my case # on the fax cover letter. I faxed the sales receipt and the cover letter with my case number on it to BoA twice on XX/XX/XXXX early in the day. 

Over 24 hours have passed and I have not received any communication from BoA, so I called their customer service department and explained I was trying to verify receipt of my fax regarding my claim. BoA then transferred me to five different departments, those being customer service for personal credit cards, small business credit card customer service, small business credit card disputes, debit card/ACH disputes, and back to customer service for personal credit cards. Not a single BoA representative was able to provide any kind of assistance regarding where my fax was, what the status of the dispute was, nothing. All told I was on the phone for over 45 minutes, most of that time spent waiting on hold. 

I do not believe BoA has any interest in following up regarding the dispute I submitted. I also find it suspicious that BoA initially requested information be submitted electronically, then stated information could only be submitted via mail or fax, likely because BoA realizes most people will give up if the avenues of communication become limited and the dispute process becomes increasingly difficult. 

I have the information BoA requested for my dispute to proceed, but BoA is making the information impossible for me to submit, and when I do submit said information BoA can not locate it. When I try to contact BoA I get transferred between different departments endlessly, and none of their reps are able to assist me.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TD Bank regarding my Target credit card account ( Account No. XXXX ) for {$580.00}. I was the victim of credit card theft, and my card was used for unauthorized transactions. Despite submitting multiple disputes to TD Bank, the bank failed to take any meaningful action to resolve the matter or remove the fraudulent charges. 

After I made several efforts to rectify the situation and get the unauthorized transactions handled, I requested that my account remain open once the disputes were resolved. However, TD Bank proceeded to close my account without warning or any attempt to solve the issue, which has negatively impacted my credit. 

I am respectfully requesting the Consumer Financial Protection Bureau 's assistance to ensure the following : 1. Immediate removal of the disputed charges from my account and correction of any negative information reported to the credit bureaus.

2. Investigation into TD Bank 's handling of my disputes, as I feel the process was inadequate and did not comply with consumer protection standards.

3. Restoration of my Target credit card account, as I had requested that it remain open once the disputes were resolved.

The mishandling of my dispute and the abrupt closure of my account have caused unnecessary stress and damage to my credit standing. I urge the Consumer Financial Protection Bureau to address this matter promptly and ensure fair treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$590.00} Collection agency has no contract ; no valid claim ... settled this with original creditor ( XXXX XXXX ) unlawful to attempt to collect a debt twice ... original creditor stated that your records may be outdated ... please remove erroneous account or litigation will follow ... I was told that no one verified this account ... and that XXXX verification that you utilize is faulty ...
Product: Credit reporting or other personal consumer reports

Thank you for removing some of the inaccurate items from my credit report. However, there are still inaccuracies that need to be addressed. I am writing to inform you that I have been a victim of incorrect credit reporting. According to the Fair Credit Reporting Act Section 605B ( a ), you are obligated to remove any items that were opened without my knowledge, consent, or authority within four business days if provided with the following : ( 1 ) Proof of my identity ; ( 2 ) A copy of an identity theft report ; ( 3 ) Identification of the disputed information ; and ( 4 ) A statement asserting that the disputed information is not related to any transaction by me. The following items need to be removed as they are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax 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 XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX Balance Owed : {$1300.00} XXXXXXXX XXXX XX/XX/XXXX. You have four business days to remove these inaccuracies from my credit file. I do not authorize the use of E-OSCAR or any automated verification systems.
Product: Debt collection

In or about XXXX, as assumptive debt creditor, Collections Service of Nevada obtained a judgment against my wife and me together for a single claim arising out of a claim made for our joint tenancy of a pre-XXXX XXXX NV corporate-managed rental. 

Subsequently they engaged the Sheriff of XXXX County, Nevada to garnish all relevant amounts, which said Sheriff regularly did, to absolute completion months ago. 

Nonetheless, XXXX/XXXX XXXX/XXXX  continue to report re same CSN issue that A ) not XXXX cent of judgment has been paid ; and B ) per CSN, we have been suppressing our whereabouts from public discovery since at least XX/XX/XXXX to date of any new inquiry. 

Now, even my wife has contacted the said CRAs to inform them our unbroken tenancy since XX/XX/XXXX to date ( used for IRS, XXXX, voting, et al ) has been at the same property as where originally served with Court complaint ; in fact, the premises at all times has been owned/managed by a member of a prominent NV family ... his grandfather was a Governor, his step-brother is the current XXXX XXXX Attorney, and even the woman attorney for CSN ( plaintiff ) was then President of the XXXX County Bar Association and 10-year top assistant to the said City Attorney when he was a XXXX XXXX ; surely repeatedly directed to our lessor, CSN would have no trouble correcting its CRA position that we are suppressing our whereabouts since some point in XXXX ; surely by now also, CSN is in receipt of all funds et al collected in totality by the XXXX County Nevada Sheriff. 

Since nothing my wife and I have yet done is able to militate CRAs or CSN to correct such amount still due/have never been found errors most harmful to our attempts to get verification of residency via CRAs only, and harmful in casting us as people who still owe them money, I am submitting this complaint to CFPB for assistance.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX 2024 I have been trying to get into my account with all three credit report companies XXXX, XXXX and TransUnion I have inquiries on my credit report from an unknown source and Im unable to get it off my credit report
Product: Credit reporting or other personal consumer reports

That on XX/XX/2023 I sent a written notice to the Department of Commerce opting out of credit reporting. The Department of Commerce has yet to respond to my demand.
Product: Debt collection

Received a call XX/XX/XXXX on a debt from Allied? ( Related to check go ). # XXXX XXXX XXXX Case # XXXX. Said loan was from XXXX. Could not give any details. Acct # amount #. Woman was rude XXXX XXXX XXXX person I talked said to be PI Wants to deliver summons! I did have a loan with check go on XXXX but I have a letter from them paid/settled. I was having similar problems years back but now its back. I had been communicating with govt office in XXXX XXXX  years back. I have a file First off why is someone calling on 13 year debt which was resolved? Threatening me with check fraud ..Breach of contract. I have moved from XXXX  3 years ago to XXXX. They still have my old address Can someone please look into this. It was a very threatening call Thank you XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last few YEARS I have told all three credit bureaus and the credit agency that the information for these accounts is false. They keep saying do a dispute and then I do and they never correct it. In XX/XX/2016 I was the XXXX XXXX manager for apartments in XXXX XXXX Wow ( cable and internet provider ) wanted our business. My property managers all decided to give them a try. Because I was the regional I had to give it the okay. They put it as a personal account instead of a corporate. They have me under XXXX XXXX. And they are charging me several different bills for this corporate account I have tried repeatedly to have this fixed but to no avail. And they have the wrong dates on my credit report as well.
Product: Checking or savings account

On XX/XX/2022 I deposited a check from my employer for {$870.00}. Which deposited into my account that night but on XX/XX/2022 it was listed as Exceptions/Administrative Hold for the check amount of {$870.00}. On XX/XX/2022 I called the bank and was advised this would take ten days to clear and they would give no specific reason as to why it was on hold and that its just the way the system works with these kind of checks even though I had submitted multiple paychecks from this employer before this incident.
Product: Debt collection

On XX/XX/2021. I mailed a letter to Transunion, XXXX, and XXXX  and XXXX XXXX about the Bankruptcy that's reporting on my Consumer Report about the inaccurate and inconsistencies that's on my Consumer Report. I sent a Demand to Comply and that was my 2nd notice to the bureaus. Today is XX/XX/2021 so that's over 70 days. I don't understand why I haven't received any letters in reference to my Letter. This is unacceptable and against my consumer rights. Since this has been over 30 days and outside of the allowed time for a response and they never put a notice of Dispute on my Consumer Report this Bankruptcy must be removed because of 4 of the Bureaus are in Violation of my Consumer Rights. Please remove/delete this Bankruptcy from my Consumer Profile. It's time to hold these Bureaus responsible for their errors and violations to Consumer Profiles.
Product: Credit card or prepaid card

XX/XX/XXXX ( 1 Day ) car rental from XXXX for {$110.00} but I was billed for a week @ {$1300.00}. I put the keys to the vehicle in the after hours drop box, documented on my business card the stall/car location, mileage, gas tank full, and time on the card for myself and attached one to the keys. 

I filed a complaint with XXXX the week after on XX/XX/2019 when I received the bill, called XXXX to inform them of the fraudulent and false billing practices but they would not resolve. I provided them a witness statement of the person traveling in the car with me, receipts for fuel at airport, and my parking receipt when I left with my personal car after returning their rental car. 

Information sent to XXXX : The flight was canceled hence renting the car from XXXX to XXXX airport @ XXXX, I have attached a PDF showing what flight I should have been on for reference and XXXX can confirm the cancellation with XXXX XXXX . Please inform XXXX that your system has no return slips if the keys are placed in the drop box after hours ; As previously stated to your colleague and provided I wrote down the return stall location, noted mileage, and full tank of gas information on the XXXX airport business card and made two copies, one for XXXX and one for myself and attached it and my business card to the keys and placed them in the drop box. I informed that last XXXX representative that there was no one around @ XXXX other than the airport janitor, I also had two people traveling with me that were on the canceled flight in the car. I have attached additional documentation of my fuel receipt filling up the car with gas at XXXX in XXXX at the XXXX XXXX next to the airport and my parking receipt when I left the airport @ XXXX. 

I have alerted my credit card company of XXXX 's poor processing practices and false billing. 

I filed a case with my credit card Wells Fargo Visa but they have done nothing other than request invoice from XXXX. The are stating now after months I am responsible for a fraudulent charge that I did not approve or agree to. Wells fargo keeps passing me onto other people and I can not get anywhere with them as their tactic is to keep delaying and moving me to other individuals. I have emailed and called about every week and they will NOT return my calls or do anything to resolve the correct way.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 Subject : Dispute of Inaccurate Information per 15 USC 6802 & 15 USC 1681-c-2 Dear XXXX XXXX XXXX I hope this letter finds you well. I am writing to formally dispute certain information contained in my consumer report as provided by your company. According to the provisions of 15 USC 6802 and 15 USC 1681-c-2, I have the right to request the accuracy and validity of the information being reported about me. 
I recently obtained a copy of my consumer report from your agency and found some inaccuracies that require your immediate attention. The discrepancies pertain to the following items : XXXX  : Account # {$530.00} This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b I must emphasize the significance of having accurate consumer reports, as they play a vital role in determining various aspects of my financial life, such as loan approvals, interest rates, and job applications. These inaccuracies have the potential to adversely impact my creditworthiness and financial standing, which is why I request your immediate attention to rectify these errors.

Per the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), it is the legal obligation of consumer reporting agencies to conduct a reasonable investigation upon receiving a dispute regarding the accuracy of information in a consumer report. I hereby request that you initiate a thorough investigation into the disputed items mentioned above.

During your investigation, I kindly request that you verify the accuracy of the disputed information with the original creditor or data furnisher.

Promptly update my consumer report with the correct and accurate information. 
Provide me with a written statement of the investigation results and any changes made to my consumer report. 
Please be aware that as of the date of this letter, it has been 65 days since my last letter, and I have not received any response from your agency regarding the investigation. This lack of response is in violation of the FCRA, which requires consumer reporting agencies to respond to disputes within 30 days.

As such, I urge you to expedite the investigation and provide me with the results as soon as possible. Failure to comply with the FCRA 's timeline for investigating disputes may result in legal action. 
I have enclosed copies of relevant documents that support my claim. Additionally, I request that you inform all parties that have received my consumer report within the past [ number of months ] about the corrections made as a result of this investigation. 
I expect your prompt attention to this matter to ensure the accuracy of my consumer report. Your cooperation in this dispute is greatly appreciated, and I trust that you will handle this matter with the utmost professionalism and expediency.