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

First, after a month of back and forth communications betwee me and Chase and XXXX, XXXX credited the charges, not because they acknowledged their mishandling of my credit information, but stated, in writing that they would refund my money because I was too annoying. That may have solved their issue, but it did not excuse Chase 's lack of protection of my financial information or making me go through his whole process - and let other customers go through similar improper treatment in the future. I have written letters to their chief legal counsel and she has not provided the " proof '' they relay upon nor explained what their logic is. If every vendor who has a customer 's debit card and email information on file is breached by a " scammer '', many people can suffer large financial damage.
Product: Vehicle loan or lease

Santander. via Chrysler Capitol. I bought a XXXX for XXXX. I put a cash down payment of XXXX. I was told by XXXX who found me the loan, that the minimum loan amount was XXXX. The XXXX dollar loan cost XXXX plus an additional early pay off fee.Santander charged me 14.73 % without me having employment. Chrysler Capitol would not disclose the extra fee I incurred by paying the loan off early. Chrylsler Capitol customer service told me to go re read all payments and add it up. That I had to pay the full amount of interest no matter how quick I paid back my loan. I was not informed of these terms.I did not get any compensation from the Santander lawsuit for sub prime lending practices or preditory lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX XXXX XXXX. They have reported to credit bureaus that I do not pay my balance and give incorrect statements. They have done this the last two months. I was able to dispute it and have it resolved in about a week with XXXX XXXX. This month the added a derogatory remark to my credit report which made it drop a significant 85 points. I called them the next day. They said they would fix it the following day. It has not been repaired. I am now being declined access to finance which is not my fault. I would like to take legal action against them if it is not repaired soon. They have ruined my credit. I have never made a minimum payments. I pay my balance in full.
Product: Credit reporting or other personal consumer reports

This letter is an official complaint that the credit information you are reporting is wrong and is incomplete.
Product: Credit card

purchased item on XXXX, paid with XXXX XXXX, then thru Chase XXXX. Disputed charged to all due to did not work. seller sent me return labelXXXX XXXXXXXX and I sent back, and he sent me email he received. XXXX XXXX XXXX return, Pay Pal, put in sellers favor, due to I had dispute with Chase, Chase reversed there credit due to Pay Pay response. Then XXXX XXXX put dispute in my favor and resent monies to Chase. Chase won't release my {$860.00}, I have had a 3 way phone call and Pay pay says it is In hands of bank, bank says they have no record of the money transfer. This has gone for
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state.

Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA.

I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Debt collection

I contacted property 's CEO about the debt they said is owed. I asked them by priority mail on XXXX separate occasions to provided me with original agreement with my name signed to this debt promissory note. They have not provided any proof that I owe this debt. I have no knowledge of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

10 POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$58000.00} Balance updated XXXX XXXX, XXXX Original balance {$47000.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Auto Loan Payment summary 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 PAYMENT HISTORY LEGEND Status Repossession. {$57000.00} written off. {$10000.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Past due amount {$10000.00} Original balance {$47000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 72 Months
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, all the companies listed on the FTC report and Experian has violated my my rights. 15 USC 1681 section 602 A. States I have the right to privacy I NEVER gave You, ( EXPERIAN ) OR ( ANY OF THESE COMPANIES ) any written instruction with my signature to furnish any information on my consumer report which is a violation of 15 USC 1681 Section 604 A Section 2. EXPERIAN And all companies listed on the FTC report has caused me a lot of stress and anxiety due to the abusive and unfair practices. 

No third party person is involved in this matter. 

Please delete ALL unauthorized inquiries from my credit profile. 

Thank you for your prompt response
Product: Credit card

I received email offer for a credit card with great cash-back benefits from Capital One Banking. I have a money market account with XXXX XXXX balance with this bank. After applying, I was denied the credit card for the reason that my income was too low. I want to know how and why Capital One banking can solicit and extend credit card deals to prequalified people and then deny that unsolicited offer.
Product: Checking or savings account

Ok, Long Story short Navy Federal Credit Union was supposed to help me as I had an issue with XXXX XXXX  charging me for months after I had cancelled my membership with them. XXXX XXXX refused to help until I filed a complaint against them with the XXXX XXXX XXXX. I had to actually complain to them 3 times before they even acknowledged me and as prior mentioned refused to help me and I went to the XXXX. I mailed them a form that they sent me with the dates and billing information. To be safe I even mailed them a copy of the cancellation form showing my membership with XXXX XXXX was cancelled. I did innitially get credited the money while they investigated the issue. Since then they have taken a portion of the money back refusing to help saying that a membership agreement clearly dated 2 years before the date of membership cancellation is proof that the transactions were 'authorized ' since not only has XXXX XXXX refused to help me they have ignored my complaints about how one of their employees told me to " shut up and accept the results of the through investigation ''. Calling a membership agreement dated 2 years before the cancellation form I mailed to them to prove the transactions were Not authorized is a clear showing that they did not investigate throughly. Upon reminding them I sent them a copy of the cancellation form and that a look at the dates on the forms shows the membership agreement is dated well before they switched from saying that the reason they took the money back is now due to the transactions being older than 60 days and not that they were authorized. I had to even then fight to get a portion of that money back as they tried to take the full credit even though two of the transactions were within 60 days of the complaint they actually agreed to " investigate ''. I also know I am not the only member of this credit union to have this issue with the gym in question as a representative of Navy Federal had informed me that several members of XXXX  XXXX whom cancelled their memberships have encountered the same issue as me. I have now been forced to pay several bills late and incurred a returned check fee cause of lack of funds in my account for another bill because of XXXX XXXX choosing to side against me and call me a liar. I honestly believe they sided with XXXX XXXX out of spite because I reported them to the XXXX  for refusal to assist me in this regard. I have been put to the point where Navy Federal has me looking into legal action against them as well as XXXX XXXX.
Product: Debt collection

I applied for a job with a credit union in the security department. They informed me I had a bad debt with XXXX on my credit report and needed to resolve it in 30 days or I would lose the job offer. I contacted XXXX and was informed they had no record of me having an account currently or in their archives owing a debt of any kind. They refused to remove the negative credit account stating they were not reporting it. I called the number from the credit report and was told they were a debt collection agency. I believed this was an Identity theft issue however I did not have the time for an investigation. I paid the account with the collection agency, XXXX XXXX, in full due to time constraints. This was XX/XX/2016. I am now being billed by another credit collection agency, EOS CCA for the same XXXX account.
Product: Debt collection

On Tuesday XX/XX/XXXX @ XXXX I missed a called from PORTFOLIO RECOVERY. This is the second time they have called this number after I have told them verbally and writtenly that all communication must be written. I return to the call to request removal of my number and the represent XXXX refused to remove my number from their robot called. I called back to verify that this is a company policy and record the call as evident. When I called back the rep refused to spoke to me without my name or remove the number.
Product: Credit reporting or other personal consumer reports

I have been a client for XXXX XXXX for several years with excellent on time payment history. However, after reviewing my credit report I've noticed late payments reported XX/XX/2022, XX/XX/2022, and XX/XX/2022. I send all payments in a timely manner, not sure why the payments were not recorded on my account by the due date. I tried to resolve this issue with the company, but they refuse to help although as a consumer I feel my rights were violated.

15 U.S. Code 1666b - Timing of payments ( 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. In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 16811b. 

XXXX. XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 16811b. 

XXXX. XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 16811b. 

XXXX. XXXX XXXX XXXX XXXX  - XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 16811b. 

XXXX. XXXXXXXX XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 16811b.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding an inaccurate bankruptcy entry on my credit bureau report. Despite never having filed for bankruptcy, this entry is negatively impacting my creditworthiness and financial opportunities. 

Thank you for your attention to this issue. 

Account name : XXXX  XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX  XXXX BANKRUPTCY XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I feel very stressed out! because my credit reports are in accurate, please! I need these accounts to be removed to help me move forward with my life! 

XXXX XXXX XXXX : Account numberXXXX XXXXXXXX XXXX XXXX XXXX : Account XXXX  XXXXXXXX XXXX XXXX  : Account XXXX  XXXX XXXX : Account XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX 15 U.S.C 1681 Sectiqn 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud
Product: Credit card

Well for starters its not a credit card but it is a debit card. Now that that 's out of the way ; I was gone out of state for 2 months to attend basic military training ( XXXX XXXX XXXX XXXX XXXX 2016 to be exact ). There was a withdrawal from my account of {$900.00} on XXXX XXXX 2016 in XXXX, NC. Once I found out I immediately informed my bank about the situation. They put the temporary credit back on there and began the case. Since I was in basic I had no way to communicate with them again until I returned home. On XXXX XXXX 2016 I received a letter stating they denied my claim. They deducted the {$900.00} out of my account this morning and now I 'm in the negatives. I see why they do n't believe me but I do have proof of me being in the other state and not in the state where the money was taken out from. Honestly I feel like the company is horrible for letting something let this happen in the beginning. I have no clue to how they got the money without a problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remarks were added to all 10 accounts in response to my student loans being placed in an automatic forbearance due to the CaresAct. My credit score was drastically affected by this action. Credit scores were improperly damaged when their federal student loans were paused due to the CARES Act. Under the CARES Act, all federal student loan payments are paused as of XX/XX/2020 until XX/XX/2020. As a result, borrowers are not required to make federal student loan payments. Further, borrowers who do not make payments should have no impact to their credit score. Despite this law, my credit score was damaged anyway. 
I contacted the loan service company ( XXXX ) who stated that they did not make any changes to my loan account. I am not past due on any of the ( 10 ) student loan accounts listed. 
They are unable to explain the drastic credit drop at this time. Also contacted the credit bureau directly and they advided me to write a letter submitting a complaint. A letter was written and submitted to them as well.
Product: Debt collection

My credit report has a derogatory status per Ad Astra Recovery Service claiming I have a debt that is owed. I have reached out to Ad Astra to provide me verification of the amount claiming to be outstanding and have not received a reply within 30 days. I finally decided to contact Ad Astra once again. Spoke with XXXX. She told me that every time I send a dispute, it re-opens the file and the credit bureaus invalidates the update they send to them and reopens a new one. She said I have to give it full 30 days to be completely removed from all reporting agencies and has yet to be removed 6 months later.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against JPMorgan Chase Bank located in XXXX XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, JPMorgan Chase Bank has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been proven that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Im looking at my report and it says that there is some joint account in collections on my reports for XXXX. This is not my account or has any affiliation with my credit. I didnt and will not open any accounts for XXXX. It says its a joint acccount opened in XX/XX/year>. I did dnr not open any account. I also Im not married and would never open up a joint account with anyone.
Product: Mortgage

my mother in law got an reverse mortgage in XXXX XXXX for loan was for XXXX which is alot more than the property is worth. well she was in her XXXX when she got this. she is now XXXX.she now needs her son and my help with her finances. XXXX XXXX claims they have sent her XXXX thats on paper that they send her each month.my husband, her son tried to get an 3rd party but XXXX turned him down. they gave no reason. we have power of atty, what we want to know is when did they send this money, how much each time and where were these checks cashed. also she was paying XXXX a month for house insurance. we are completely shocked at that.that house isnt worth XXXX,. we were going to sell it, but nutter is giving us trouble. they want XXXX for an appraisal on the house.the realtor had a buyer. what we want is 3rd party and an itemized statement of when where and who cashed them. mom doesnt have any money at all in her account. there is no way she could have spent that much. the realtor can only find XXXX he cant find about XXXX of the loan. he suggested we get an lawyer. i hope you can help her. she work all her life for that house and now she has no money to take care of her. she should have more than enough for the rest of her life.thank you
Product: Student loan

Nelnet indicated that my payment was past due ( XX/XX/XXXX ), even though I have auto payments set up. Fearing that I missed a payment and then would retain my auto-payment discount they offered I proceeded to submit a manual payment ( XX/XX/XXXX ). I called them the next day ( XX/XX/XXXX ) ; they explained that they had an issue with auto-payment, but that it would backdate once the payment went through. 

I requested they then delete my manual payment. They confirmed they would. The payment still went through. I called again XX/XX/XXXX and they told me they could not do anything and when they transferred me they hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve the issue of late payment on this account for month ( XXXX XXXX  {$61000.00} Account number XXXX ). The report on XXXX shows us being late for 2 months ; the report on Transunion show us as being late for 2 months and XXXX show us as being late for 3 months ). I am have never been late on any mortgage payment. As you can see all 3 bureaus reporting are not accurate therefore the bureaus have violated my right under FCRA. I have for many months asked for a full validation or remove these inaccuracies. All I get back that it updated and factual with no explanation. I have attached a snapshot from all 3 credit bureau reports