23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

In a recent transaction involving Chases business digital payment service, my experience as a XXXX XXXX XXXX was significantly undermined due to a series of administrative failures and negligent handling of funds by Chase. Last year, I utilized ChasePay to receive a critical business payment from a client. The payment was for hospitality services which the after reception of the payment, I as a XXXX XXXX  took on the cost due to the fact that initially, I was assured by Chase representatives that the payment would be processed and made available in my account within a two-week period. 

After the promised timeframe elapsed without the payment being processed, I requested an escalation of my case. Subsequently, I was informed that the funds had been sent back to my client. Contrary to this claim, my client has confirmed that they never received the returned funds. To date, neither I nor my client have received the funds in question. 

The direct consequence of this failure includes not only the non-receipt of a substantial sum but also the accrual of upwards of {$10000.00} in related fees and operational disruptions. 

Adding to the grievance, my account associated with ChasePay was abruptly closed without a satisfactory resolution or explanation, leaving my business to bear the financial brunt of this oversight. 

This incident highlights a disturbing lack of accountability and an inadequate response to customer needs by Chase, which has not only impacted my business operations but has also eroded my trust in their digital payment solutions. 

Such experiences raise significant concerns about the reliability of Chase 's systems and their approach to handling sensitive business transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I have sent letters to the credit bureaus in regards to inaccurate and false accounts and inquiries that was and is being reported to my credit report. I am being taken advantage of and ignored. The consumer laws says that failure to investigate these items within 30 days, gives a reason to immediately remove those items from my credit report. It has been over 60 days. The accounts being disputed should be deleted now. I demand the accounts be deleted immediately or i will file for litigation due to the stress these fraudulant items have caused me with no help from the credit bureaus. My personal information was impacted by the XXXX and XXXX XXXX XXXX data breach as well as my personal information stolen from my personal possession in XXXX. 

These accounts are adversly affecting my credit report and hindering me from maintaining an accurate report and from obtaining credit. I have filed complaints with the Federal Trade commission and XXXX XXXX XXXX due to these fraudulent accounts becaus I have no knowledge of the accounts. I refuse to keep sending in letter to be told that I am not my self even though I am sending in my License, social security card and a utility bill providing sufficient identity verification AND I have called numerous times in regards to not receiving update to the letters sent! I will not wait another XXXX days to hope a response/update will come.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts that are incorrect are reporting on my credit reports XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on our previous communication via CFPB, concerning discrepancies within my credit report. Once again, I find myself deeply troubled by the presence of unfamiliar entries on my report, and I believe it is crucial to underscore the seriousness of this issue.
Product: Mortgage

My home owners insurance lowered my right they sent a refund to my mortgage company and they held it for eight months they did nothing with it and I called and told him I wanted the money sent back to me with the interest theres no reason in the world that they should have held my money for eight months Ive done nothing with it they charge me interest if Im a day late and theres no reason they shouldve kept my XXXX and something dollars for eight months and done nothing with it I want interest added with my refund
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a company on my credit report named XXXX XXXX XXXX XXXX XXXX. XXXX on 2022 i sent a ftc report also a police report to have this item removed because i do not have a XXXX  and im not on XXXX XXXX. I also asked for proof to be sent yo me with my signature saying im responsible and i agreed to this term of XXXX XXXX I have no proof, the credit bureaus wont send me anything saying this court ordered debt is my obligation.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently a request was sent to Equifax to provide a purchase order, debt validation letter as well as Please provide the following : Agreement that grants the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor where I agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency.

Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful.

I am also requesting Copy of original contract with my signature Copy of payment history Name and address of original creditor Proof of collection authorization The means of which this information was VERIFIED and VALIDATED.

When this was requested a punishment mark was added to credit that tanked score by XXXX points. Debt was already invalidated by Experian and removed and company continues to report incorrect data
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted trom an alleded identiv then. not ater than & ousiness davs ater the date on receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Product: Debt collection

Nelnet Does Not Have My Permission To Call Me For ANY Reason.I 'm Pretty Sure It 's A Robo Call
Product: Mortgage

My mortgage is with Sierra Pacific since XXXX XXXX. They have lost payments, misapplied payments and charged me late fees when they were n't due. I have called them and emailed them numerous times with NO response from anyone there and finally contacted the mortgage broker that handled my mortgage origination to see if he could help. He was assured by the company in his communication with them that the problems had been resolved but as of XXXX XXXX XXXX it has not.
Product: Credit reporting or other personal consumer reports

Previously I disputed a fraudulent account listed as XXXX XXXX XXXX Equifax and the account was deleted. I called Equifax and the representative stated that the account had already been removed from my report. Confirmation number : XXXX Equifax Report Request on XX/XX/XXXX Today the account mysteriously appears again. I know it is against the consumer reporting law to re-list an account that has been removed for over 30 days. The account was initially deleted in XXXX. I have a recent report where the account was not listed. Which Equifax should be able to review as well. This account is fraudulent. The address reported does not belong to me.
Product: Debt collection

Dear MRS ASSOCIATES : I am responding to your business reporting a debt you are trying to collect. You reported on all three credit bureaus XXXX, XXXX as well as XXXX by postal mail, on XX/XX/2023, and identified the debt as verified debt owed. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 

State the amount of the debt when you obtained it, and when that was. 

If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 

If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 

If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 

Tell me when the creditor claims this debt became due and when it became delinquent. 

Identify the date of the last payment made on this account. 

Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : ) as XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I bought this car at the dealer and next day I was going to used the car didnt run because had a electric problem, I send to the XXXX dealer and they say the car was completely damage the motor and the electric was the biggest problem, I took the car back to the dealer and they never fixed or did anything to the car because they know is a lot of money to fix it, i started a lot of complains and they never did Kik me out of the dealer, the car had a bad problem and even if I bought a new battery the car was not starting, so I had to leave the car on when a i was used he car or if I turned off I had to jump it whit other car, so because of this reason I left the car on in a gas station and some one stoked the car, and I never found it, I have the police report and everything, so I did never made any payment because of all of this reason and situation I passed whit that damage car, now is affecting me really bad my credit and I cant pay for something that was a fraud sale plus I dont have it because some one stole because the damage of the car and is not fair this
Product: Credit reporting, credit repair services, or other personal consumer reports

The dates and loan amount default need to be checked.
Product: Checking or savings account

On XX/XX/2019 I deposited a check into my chase bank acct via atm, in the ammount of XXXX and it printed out my receipt saying funds would be available by XX/XX/XXXX. The check was cleared by the bank on XX/XX/XXXX and on the morning of the XXXX I checked my banking app to see if the money was in my acct, it was. But when I went to use my debt card to pay bills n make purchases my card was declined, I called cutover service and was today that my acct had become restricted due to the the check not being verified and that my acct would be closed by the XXXX of XXXX if the check was not verified. I was told that I had 10 days from the date the check cleared, which was the XXXX to have the check verified. I was never contacted in any way to have been aware of any of this and was not given enough time to figure out what was meant to be done and to stop my acct from being closed. Long story short my acct was closed and I was sent a check on XX/XX/XXXX in the amount of XXXX, the remaining balance in my checking acct not including the XXXX check that was deposited in my acct, I was told that in order for them to release the check amount to me I would have to go into a branch bank with the executor of the check and both bring in documents verifying that we are who we are. The executor of the check was out of state at the time and wouldnt be back til the end of XXXX and I was told that the money will be held until we come into the bank to be verified. So Ive been waiting over a month for this money, had my bank acct closed and have had no help in getting my money back. Why would chase bank clear the check on the XXXX and still ask for it to be verified in order for me to get my money?
Product: Checking or savings account

On XX/XX/XXXX XXXX XXXX there was check written from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX in the amout of {$68.00} from my checking account from XXXX  XXXX XXXX XXXX on Wells Fargo check without my authorization. I been working with Wells Fargo because of the check was used from Wells Fargo, and I mail all the information to Wells Fargo. Wells Fargo informed me that I do not need to contact XXXX XXXXXXXX XXXX. We will take care of it. 

I send in Information to Claim representative was XXXX claim representative in executive office. : '' 1. Copy of the check. XXXX. XXXX  XXXX XXXX statement. XXXX. Copy of the statement that there were account created from Wells Fargo and printed from my Checking account from Wells Fargo. Names on the account were XXXX XXXX and XXXX XXXX. The account number was XXXX Wells Fargo paid to my x husband court case in the amount {$4700.00}. I informed the Wells Fargo that my X husband has account with Wells Fargo. They ignored the information that I provided and paid his court case in full from my account. I divorced my x husband in XX/XX/XXXX and I didn't know about the case. 

I just found out that they stoped investigation on Wells Fargo case ID XXXX was provided by XXXX XXXX. her email was XXXX XXXX
Product: Checking or savings account

Subject : : - - Dear PayPal Executive Escalations, : -,. 

I want to bring to your attention that on,, XXXX XXXX from Executive Escalations partnered with PayPal Risk after my ( " '' ) for the Consumer Financial Protection Bureau ; Complaint No : -. As I informed them that my identity has been stolen and is now being used to circumvent PayPal, I stated that I have only one valid PayPal account under my valid emailXXXX XXXX I also advised that any other accounts are not mine and should be reported as unauthorized accounts. 

XXXX assured me in his response that PayPal Risk will complete their review within 7-10 business days and let me know the outcome of the case. He quoted the following in his response, ",,. '' I am pleased to inform you that on //, PayPal Risks completed their review and the case was found in my favor. I have enclosed a to support my claim result. However, ( : - ),. 

Furthermore, I have advised in my complaints several times that I have not submitted any invalid or altered documents. In fact, any documents based on invalidity and alteration must be discarded as I have not submitted those. The documents were due to additional unauthorized PayPal accounts being created without my authorization. 

I want to bring to your attention that I have enclosed my valid Photo ID several times during the complaints, but it appears that it has not been taken into consideration. As a sign of good faith and cooperation, I have enclosed my within this complaint response. I hope that PayPal will now closely consider my request and make a professional decision that will help me. 

I must also mention that I sent an to follow up with XXXX XXXX regarding the claim update on XXXX, but I am yet to receive a response. With this being said, I again respectfully request your assistance in restoring my account balance, as I have been proven innocent, and restoring my account access, as PayPal Risks have already closed the case in my favor. 

In conclusion, I appreciate your time and understanding in this matter. I remain hopeful that PayPal will rectify the situation promptly, and I can access my account and funds as soon as possible. 

Thank you for your attention. 

Respectfully, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX called me XXXX  times in XXXX  days on the dates of XXXX XXXX XXXX 2024
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union Regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credit. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

I have sent XXXX letters dated XX/XX/XXXX and XX/XX/XXXX XXXX to this company requesting verification and the right of this debit but they never responded as requested by the law to provide me the written evidence. On XX/XX/XXXX they responded to me with a negative to give the required proof.
Product: Credit card

My JCPenney card has a deferred interest balance for window coverings I purchased a few months ago and requires {$25.00} minimum monthly payments. In the previous billing cycle I charged {$9.00} on my JCPenney card and by the due date I paid {$34.00} ( {$9.00} in charges plus $ XXXX monthly payment ) by the due date. My current bill shows a {$2.00} interest charge! It took a XXXX minute phone call to JCPenney to possibly correct this. XXXX representatives, XXXX & XXXX, said I was the problem, that I had not paid enough! Finally, I discerned that all payments go towards the deferred interest charge ( except for XXXX pennies in my case ) and almost nothing was credited to the current charges. This appears to be a scam, a way to charge interest on current charges even when they are paid in full. I was told by XXXX that the only way to be able to pay current charges and not be charged interest is to call every month when I make my payment. Now, considering that it took XXXX minutes to digest all of this, I believe many are being overcharged interest by this devious scheme.
Product: Checking or savings account

On XX/XX/year>, I deposited a check for {$7500.00} into my checking account from my mother. I was told part of the check would be held until XX/XX/year> and the rest would be available on XX/XX/year>. On XX/XX/year>, after the fraud department closed at XXXX XXXX, I received an email stating my checking and saving accounts would be closed because I presented a check that couldn't be verified. Then, I was told the check would be available on XX/XX/year>. Either the check could be verified or it couldn't be verified. Wells Fargo is participating in illegal activity, yet again, by claiming they couldn't verify information to justify holding funds for longer than 5 business days plus attempting to capture my funds.

They need to closed and banned from doing any business at all.
Product: Checking or savings account

i keep getting denial letter from banks due to this company trying to put me in a bad light to potential banking opportunities.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on My Credit Report Urgent Correction Request I am writing to formally dispute inaccurate information reported on my credit file regarding the XXXX account XXXX. My credit report incorrectly reflects late payments, which is factually inaccurate and violates the Fair Credit Reporting Act ( FCRA ). 
Errors Identified : 1. My payment history incorrectly reports late payments for XXXX and XXXX l, despite the fact that all payments have been made on time. 
2. The reported information contradicts records from the creditor, who has confirmed that there have been no late payments. 
Legal Basis for Dispute : 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibits the inclusion of obsolete or inaccurate information in credit reports. 
15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to maintain maximum possible accuracy when reporting consumer credit information.

Given these inconsistencies and the attached evidence proving my payments have always been timely, I demand that TransUnion immediately correct these errors and update my payment history to reflect all months as " On Time '' where incorrect late payments have been reported.