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

In late XX/XX/XXXX, Chase Bank sent a statement to my home indicating my savings account had an opening balance ( XX/XX/XXXX) of {$9.00} and a closing balance ( XX/XX/XXXX ) of {$0.00}. There was an withdrawal, not by me, of {$9.00} on XX/XX/XXXX. The transaction detail labeled the withdrawal as " Unclaimed Property State Remittance. '' I called the bank to ask for that the confiscated money be returned to me. I did not care if the account had been closed as I rarely used it anymore. ( It was set up for convenient money transfer to my son in college ). But I did n't think it fair for the bank to simply abscond with my {$9.00}. 

I made the first call within a few days after reading the statement. After a long telephone runaround, they told me the department to deal with this was closed and I should call back.

I called back on XX/XX/XXXX and again asked that my missing money be refunded. I sp

oke to four people on a call that took some 50 minutes of my time. The last representative said I must go to a branch. She said the nearest branch is in Arizona -- a six hour drive! That was how Chase refused to solve an issue of its own making. I now want my {$9.00} back. I also want to be reimbursed {$300.00} for the two hours of professional time wasted on this ( m
y freelance rate is $ XXXX/hr

). And I want an apology for how a ) I was never advised they wished to close my account, b ) I was routed all over their company with no resolution, c ) I was insulted by their suggestion I drive six hours to a distant branch, and d ) I had my money confiscated for no good reason. Thank You!
Product: Debt collection

This is illegal and should not be reporting on my credit XXXX Amerifinancial Solutions XXXX : XXXX Acct # XXXX Medical Payment Data
Product: Credit reporting or other personal consumer reports

. I am writing to formally dispute the accuracy of certain negative items on my credit report. It has come to my attention that these items are not only impacting my credit score significantly but are also reported in violation of federal law. Specifically, I am referring to the late payment reported on XXXX XXXX  account numbers XXXX, XXXX, and XXXX. Also XXXX XXXX accounts XXXX, XXXXXXXX XXXX XXXXXXXX account XXXX. I would like to dispute all negative items on my report every one of them if not listed above. According to 15 USC 1666B ( a ), under the law passed by Congress, " A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. '' The reported late payment is a result of an accidental oversight, and based on the aforementioned law, this item should not have been reported as late. I request that you investigate this matter and remove the inaccurate negative information from my credit report. Also, according to 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. If an open-end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. Article I, Section 10 of the United States Constitution**, which states : " No State shall make any Thing but gold and silver Coin a Tender in Payment of Debts. '' This means that states are prohibited from making anything other than gold and silver coin a legal tender for the payment of debts. Please conduct a thorough investigation and correct the inaccuracies promptly. I look forward to your swift response and resolution of this matter, as per the Fair Credit Reporting Act ( FCRA ). Thank you for your attention to this request. Sincerely,
Product: Credit reporting or other personal consumer reports

I am submitting this follow-up complaint to address fraudulent items that have appeared on my credit report. I appreciate that some of these items have been successfully removed, particularly those identified by XXXX and XXXX. However, I have noticed that certain fraudulent items remain on my report with TransUnion. I kindly request your assistance in promptly removing the remaining fraudulent items listed below from my credit report : XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts still reflects negatively in my credit report, even after many attempts to reach out to the credit bureau asking for validation nd the method of how they validated multiple inaccurate items on my credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. This credit bureau is disregarding the law and taking advantage of me and this has caused a big a stress in my life.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX  Account Number : XXXX  Update to Open/Never late.

2. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report.

3. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX  Delete this account.

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account.

5. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please remove it from my credit report.

6. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XXXX Please remove it from my credit report.

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry XXXX XXXX Please remove it from my credit report.

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XXXX Please remove it from my credit report.

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report.

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry XXXX XXXX Please remove it from my credit report.

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry XXXX XXXX Please remove it from my credit report.

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XXXX  Please remove it from my credit report.

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank XXXX XXXX account was hacked on Thursday for {$160.00}, and it was hacked last month for {$69.00} and a recurring account was debiting our bank account and sending the money to pay credit cards and a XXXX bill. Months ago we were hacked for {$1900.00}. I checked to learn if my name was among those hacked in the XXXX hacking and learned that my information was among the records hacked. I sent letters to the credit bureaus requesting each to remove inaccurate names and addresses because I believe the fraud is connected to inaccurate information available on my credit report. Please assist me in communicating to the credit reporting bureaus to remove all inaccurate personal information. My correct name is XXXX XXXX XXXX and I live at XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX. Any information contrary to my name and address is incorrect and should be removed.
Product: Credit card

I went to the Ashley furniture store to look at some furniture for my house. When I went to pay for the furniture I chose, I was offered an Ashley card by synchrony bank. I didn't want to open a new card but as I was told that I would have the advantage of having 1 year of no interest fee I thought it would be the best option. Several credit card companies give you this advantage of not paying an interest fee in the first year, I thought that would be the case with Ashley credit card too. It was not explained or clarified to me that after 1 year, if I still had a balance to pay, I would be charged all the interest fee that had not been charged in 1 year. I was not notified. The process of opening the card was very easy, too easy! 
So, every month I paid a little on the card and after a year I still had a balance to pay. I then thought that I would start paying the interest fee from XXXX but to my surprise I was charged the entire interest fee for 1 year. {$1800.00}, almost {$2000.00}. I was in shock! I've never seen such a misleading promotion. I contacted the bank but they said it was a promotion and that they sent me statements showing that I would be charged. I have not received any correspondence from them in my mail. Their website where I log in to make payments is very bad, it is not informative. I contacted them but they don't offer me any solution, they really want to receive this interest rate. I don't think it's fair since this should have been made clear when we were opening the card. They make it easy for you to open a card with them, it took less than 5 minutes to open and no information was given to me about it. I feel deceived. Why they didnt explain this before? This is a very important think I should had known before I opened a card with them.. thats sad a company as big as synchrony bank need to do this
Product: Debt collection

I recently reviewed my credit report. I am in shock that I may have been a victim of identity theft. I found many accounts on my credit report that were not opened by me, this has hurt me as a single mother of XXXX and I am trying to purchase a home for us. Please remove all fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

I provided victim determination documentation that has been unlawfully rejected.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I previously submitted a claim and a thorough investigation was not conducted. 
I am writing again to dispute the accuracy of the collection account listed on my credit report. The account in question is listed under the collection agency Jefferson Capital System with the account number XXXX. According to the credit report I received, this account is reporting as a collection account.According to the Fair Credit Reporting Act ( FCRA ) Section 605B, it is illegal to report information on my credit report with our permission. Please remove this item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is showing that i filed for bankruptcy and i contacted the court and their files doesn't show that i filed and this information should be deleted for violation of my FCRA rights 15 usc 1681c-2 i demand this information be deleted and blocked from my credit profile immediately. I also sent validating information to Experian proving my case with documentation and they responded back saying it was verified. also Experian and other 3rd party credit agencies are not handling consumer credit reports and disputes according to the standard of the FCRA law.
Product: Payday loan, title loan, personal loan, or advance loan

The interest rate for this loan is predatory. It is over 650 % and I am not able to log in to my online account
Product: Credit reporting or other personal consumer reports

Account In Dispute : XXXX XXXX XXXX Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax, block information appearing on my consumer report that is result of identity theft and fraud within 4 business days of you receiving this complaint. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

While client and husband were married, husband took out a mortgage loan in XXXX from National City Mortgage ( n/k/a PNC Bank ). The loan is evidenced by a Note signed by the husband and deed of trust signed by my client and her then husband on the home which they owned as tenants by the entirety. My client and her husband were divorced in XXXX XXXX. As part of the divorce decree, my client was awarded the home. But the divorce decree also requires her to assume the mortgage loan. My client has tried to find out the status of the loan but PNC will not talk with her even though she has sent them copies of the divorce decree and is now the sole owner of the property. She has been making mortgage payments since XXXX XXXX, XXXX but has no idea whether PNC has been applying her payments to the loan because PNC wo n't talk to her or send her bank statements. Recently, she heard from a third party that PNC has been returning all of her payments to her ex husband. She can not confirm whether this is true because PNC wo n't tell her anything about the loan and her ex husband wo n't tell her. She is reluctant to send in another monthly payment if PNC is simply going to send it to her ex husband. At the same time, she fears that if she does n't send the payment, PNC may declare a default. My client needs complete information about the application of her payments and a borrower response package so that she can apply for a contemporaneous loan assumption and modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I submitted a dispute with Trans-Union since XX/XX/2022 and they are still investigating the dispute as of today XX/XX/2022. 
I tried to access my credit report on their website but it tell my that I am unable to due to a dispute being proceed. 
I reached out to them by phone over a week ago to ask whats going on and I was told my issue has to be escalated to the proper department and they would call me back in three days but I still have not heard anything back from them. 
I tried contacting them again today XX/XX/2022 but was transferred several time back into to call que to wait for another customer service rep.
Product: Checking or savings account

I am submitting this formal complaint regarding Ally Banks handling of unauthorized electronic fund transfers from my personal checking account, which I believe may be in violation of Regulation E under the Electronic Fund Transfer Act ( EFTA ). 

On XXXX XXXX XXXX, I contacted Ally Bank to report several unauthorized XXXX transfers totaling {$2000.00} made to an individual with whom I have no personal or professional relationship. I also filed a police report documenting this fraud. 

Ally Bank informed me that they would initiate a fraud investigation and temporarily freeze access to my account during the review period. I was told by a customer service representative that the investigation could take up to 10 business days, and that I could expect communication from an investigator within that timeframe, as well as any applicable provisional credit.

However, once those 10 business days had passed, I received no communication, no provisional credit, and no resolution to my claim. I proactively contacted Ally Bank again, only to be told that there were no updates, and no timeline could be provided for either resolving the investigation or restoring access to my account. 

As a result of being locked out of my account, I have been unable to access my own funds. This has severely disrupted my ability to make bill payments, particularly for those set up through ACH autopay, and has resulted in multiple rejected transfer fees, delayed receipt of my paycheck, and significant financial hardship.

Under Regulation E, consumers are entitled to prompt investigation of unauthorized electronic transfers, as well as timely notification of the results andif applicableprovisional credit within 10 business days. Ally Banks failure to provide updates or access to funds beyond this window appears to be non-compliant with these regulatory requirements.

This situation has caused me significant distress, both financially and emotionally. I am therefore requesting that the CFPB investigate Ally Banks handling of my case and determine whether they are in violation of their obligations under 12 CFR 1005.11 of Regulation E.

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/2022 I sent a letter regarding misleading inaccurate and unknown things on my credit report to this day well over soon to be 45 days later I have not received a response yet. I feel like Im being taken advantage of, over looked and being ignored of my dispute. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to remove those items from my credit report immediately it has been over lawful time soon to be 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

I XXXX  money from my savings account to a recipient that turned out to be a scammer. XXXX minutes after XXXX  the money, I called my bank to cancel the transaction. They said they could not stop the transaction. They told me to file a dispute which I did. They said that they would let me know something in XXXX business days. I told them that I wanted to do everything I could do to get that money ( {$500.00} ) back as XXXX XXXX XXXX XXXX XXXX XXXX  with a small pension and {$500.00} is a BIG loss for me. They told me that I just had to wait XXXX business days. I also filed an IC3 complaint with the FBI.
Product: Student loan

I applied for general forbearance for the month of XX/XX/2024, and my request was approved on XX/XX/2024 ( see screenshot below ). However, my account is showing that I'm past due. I've messaged MOHELA twice, on XX/XX/2024 and XX/XX/2024. I also called MOHELA twice, on XX/XX/2024 and XX/XX/2024, but due to time constraints and long wait times, I could not connect to an " advanced agent '' to resolve this issue. I finally received a response to my initial message today, XX/XX/2024, but it appears to be a form reply and did nothing to resolve my issue. Again, I received approval for general forbearance for XX/XX/2024, yet my account remains past due. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX just sold my information after i complained about it on here. This is fraudulent in the first place.
Product: Vehicle loan or lease

Their website has been inaccessible since at least XXXX. I have paid off my loan balance and need documentation from the company confirming this so that I can obtain title for my vehicle. I paid off my balance on XX/XX/XXXX. Since then, I have attempted to log into my account today, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and to call on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to speak to a representative about my loan. I have been kept on hold for nearly an hour and no one picks up the phone. I repeat NO ONE picks up the phone. Additionally, when attempting to log on to their website, the attached message, " Something went wrong. XXXX will be reported, '' pops up on the screen. There is no way to log into my account. There is no way to speak to a customer service representative. There is no way to obtain the documentation I need to obtain title. Recent XXXX reviews from other XXXX XXXX of the same issues. It is as though this company disappeared into thin air and this wreaks of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Target to rectify my issue. Target closed my account and I paid them off. It still shows as a balance on my current credit report as if it still is an active account, but the same account also shows under my closed accounts as well. Target stated that they seen on their end that the account was closed and had a {$0.00} balance. But my credit report is reporting a balance.
Product: Credit card

I have two capital one credit cards. Both have been charged a significant amount of interest. Not only that. But they turned off my auto pay which means they give me a late fee. I call and explain to them I never turn my auto pay off. And they go against me. Not only did they take auto pay off. They changed the amount I pay every month which is on auto pay. Been with the company nearly 5 years. So lord only knows how much they really making me pay.