23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that XXXX XXXX XXXX XXXX. remove XXXX x 30 day late dated XX/XX/2020 from TransUnion, XXXX, XXXX. This payment " late '' due to XXXX extenuating circumstances beyond my control & directly attributable to XXXX & XXXX & XXXX actions. As usual, I attempted to hand deliver my mtg.payt.to the XXXX XXXX XXXX XXXX branch on - however, XXXX & XXXX would not allow clients to enter the branch & would not accept my payment thru the locked door. I tried another branch the next day & had the same result. XXXX XXXX XXXX XXXX XXXX XXXX refused payment slide under door. 
I then attempted several times to send mtg. payt. via electronic funds transfer. XXXX, the bank that I write checks from, ( formerly XXXX ) was in the process of being taken over by XXXX XXXX. Unknown to myself ( or any customers of XXXX ), XXXX had started to transition/change routing # 's. My electronic funds transfer attempted mtg.payt. was rejected several times due to XXXX not accepting the existing XXXX routing # which I had for XXXX years. I went to the XXXX branch, explained the issue & was provided with an incorrect new routing #. The eft failed again. ( XXXX employees were unaware that XXXX had started the change over ). I finally obtained a correct XXXX routing # & the payt. was processed. 
These circumstances are beyond my control. I should not be held responsible for XXXX & XXXX refusing an on time mtg. payt. XXXX bank acquisition changing of routing #. ( Note : XXXX said they would have honored the mtg.payt.check with the old routing # if XXXX & XXXX had accepted my check with the XXXX routing #. ) I have provided attached evidence of my contact with XXXX & XXXX ( no response ), letter from XXXX admitting XXXX did not recognize their own routing #, and I that I had sufficient funds. There is an error ( of course ) in the XXXX letter. The routing # change began in XXXX 2020, it was completed in XX/XX/2020 as stated in the XXXX letter ( they are a mess ). I have provided documentation of XXXX takeover of XXXX, proof of multiple attempted mtg. payt.s prior to the due date. 
Please feel free to contact me re : questions, comments or additional documentation. 
Thank you for your assistance with this matter.
Product: Credit card or prepaid card

This complaint is against Chase Credit Cards, a part of J.P. Morgan Chase Bank, N.A., doing business as Chase Bank. 

As a Chase Sapphire Preferred credit card customer, I was subjected to a fraudulent charge of {$290.00} from merchant XXXX XXXX XXXX XXXX based in XXXX XXXX, XXXX, XXXX. Listed transaction date was XX/XX/2019 and transaction posted date was XX/XX/2019. Transaction reference number is XXXX. 

I filed a dispute for the full amount of {$290.00} on XX/XX/2019. Case number is XXXX. Somehow and without any sound reasoning, Chase opened a duplicate dispute for the same transaction and assigned in case number XXXX dated XX/XX/2019. 

The original dispute stems from the fact that the merchant charged me twice for the same car rental, or they forged a second car rental contract and charged it to my Chase credit card, which was provided to them for incidentals only. 

The original car rental reservation was prepaid by a different ( non-Chase ) credit card. Chase was provided documented evidence ( receipt and reservation confirmation ) of that rental from the very first dispute filing. 

I had only authorized my Chase credit card to the rental desk clerk for incidentals/damages on my prepaid rental. I never authorized any other charge on it. That evidence was completely ignored by Chase. 

Furthermore, I believe Chase gave the merchant more than the 30 days they said they provide to merchants for replying to disputes. I called Chase customer service close to the 30-day mark and was told by an agent that the dispute was ruled in my favor because the merchant never replied.

Then around the 35-day mark Chase forwarded documents from the merchant showing fraudulent signatures that bore zero resemblance to my authentic signature. I contested the fraudulent signatures within the allotted time via paper mail, as well as via Chase 's internal online messaging system. I reiterated the fact that I had already provided proof of payment to merchant via another credit card. I asked why that was ignored. 

Both, my letter, as well as my secure email message to Chase were completely ignored ( I have proof ). They re-billed the {$290.00} to my credit card account and back-dated it to XX/XX/2019. 

I'm confident that the facts and supporting evidence of this dispute will clearly demonstrate that Chase has committed unprofessional and unethical conduct. They are bullying a consumer who has been defrauded. I have excellent credit, and I take pride in fulfilling my financial obligations. However, I refuse to be defrauded and pushed around. I will hold steadfast to my principles by never paying a dime of that {$290.00}, and I kindly request a thorough investigation of Chase 's business practices pertaining their dispute process.
Product: Money transfer, virtual currency, or money service

I have already filed a complaint against Wells Fargo. Their claim number is XXXX. I got a letter from Well Fargo dated XX/XX/XXXX denying my fraud claim. So they lied to me and you about taking 10 days to investigate the claim. Since I filed my intial claim with you on XX/XX/XXXX. I have been in contact with them after the XXXX and they just kept saying they had 10 business days to make their decision when they actually already had. The scammers were able to access my mobile app account and sign me up for XXXX and steal {$8200.00}. The scammers knew my number, what bank i used and my debit card info which the card was a new debit card and i hadn't even set up all my auto pay accounts yet. I was never enrolled in XXXX and told my bank to restrict all access to XXXX. The very next day the scammers were able to enroll me again in XXXX. I caught it, not Wells Fargo. I had to frantically call Wells Fargo to close the XXXX account before they could steal anymore money. I have a paper trail of all this since the emails came directly from Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have sent multiple rounds of disputes to the creditor XXXX  XXXX and also to the 3 bureaus Equifax, XXXX, and XXXX  with little resolution about my identity theft situation. 

The bureaus keep sending me letters saying they are showing XXXX XXXX account as accurate and arent removing the fraudulent inquiries
Product: Credit reporting

There is an account on my credit report : XXXX Account Number XXXX Amount XXXX This account is not mine nor am I a responsible party. NEVER opened an account or sought credit/services with them. There is NO Documentation they can provide that says otherwise. IF they do have a copy send it to me per credit law. Otherwise please have it removed upon receipt of this official notice.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : I.C. SYSTEM, INC Address : XXXX XXXX XXXX XXXX, MN XXXX Account number : Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX Tx XXXX Dear I.C. SYSTEM, INC I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Checking or savings account

I have had BMO since XXXX. I DO NOT have overdraft protection on my account but yet if I am low in my account and a payment is coming out they still let it go through and I am always going negative in my account when this happens. Why is BMO allowing this? this is not fair to anybody who is struggling right now during hard times, The most recent payment was for {$350.00} which is for my XXXX XXXX payment. I only had {$300.00} and some change in the account and they allowed it to go through and now I am - {$50.00} in my account. I want an audit done on this by BMO since I have had them and I want to see how much money they caused me to go negative since XXXX. Now I have no money till XX/XX/XXXX when I get paid next and now I will be {$50.00} less once my direct deposit goes in. This is down out right and dirty for a bank to keep doing this and not doing the right thing by saying " Sorry, you don't have enough funds in your account to cover this '' Then I can call the creditor and make arrangements with them. I had two people on the phone today, one this morning saying that the money won't be taking out as I see you don't have enough in your account and it should just fall off. I get an email stating that the payment did go through from the email I got from my Trustee 's office stating it on the way. I call back this afternoon XXXX and a gentleman from BMO even stated the transaction should have never gone through as I DON'T have overdraft protection on my account and he apologized for the inconvience. I want a full audit done as I want to see how much this bank cost me over the years with their unethical practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau : Transunion Account Type : Credit Card Dear Sir/Madam In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am formally disputing inaccurate and unverifiable information related to my account with [ creditor name, e.g., XXXX XXXX  XXXX ], which has been marked as " charge-off. '' After reviewing my credit report, I have found the following significant discrepancies between the credit bureaus TransUnion, XXXX, and XXXX : TransUnion : Highest reported balance : {$2500.00} Current balance owed : {$2300.00} Payment status : Closed, reported as " Charged off. '' XXXX : Highest reported balance : {$0.00} Current balance owed : {$2300.00} Payment status : Closed, reported as " Charged off. '' The account was closed due to inactivity. 

XXXX : Highest reported balance : {$2300.00} Current balance owed : {$2300.00} Payment status : Closed, reported as " Charged off, '' with the balance reported as a " loss by the creditor. '' These discrepancies show serious inconsistencies, particularly regarding the reported balances and the reasons for the account closure. XXXX states that the account was closed due to inactivity, while XXXX indicates that the balance was reported as a loss. TransUnion reports a higher balance than the other bureaus. These inconsistencies violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit agencies to maintain maximum possible accuracy in their reports.

Additionally, under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history. The discrepancies noted affect the truthfulness and clarity of the information regarding my account. 

I request that, in compliance with FCRA and TILA, you investigate this dispute and immediately remove the inaccurate information, including the " charge-off, '' from my credit report. The differences between the credit bureaus clearly show the inaccuracy of the reported information. Please send me the results of your investigation and a corrected report as soon as possible. 

I have attached copies of my credit reports highlighting the mentioned discrepancies for your reference. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Student loan

At the end of XXXX, my XXXX XXXX XXXX, a loan I had since XX/XX/XXXX, with a fixed rate of 4.25 %, was bought by XXXX XXXX to administer. 

I did n't notice it at first but several months ago I realized my interest rate was changed to variable and now sits at 5 %. 

Furthermore, I could no longer access my XXXX account, which, having signed up for paperless accounts, meant I could no longer access my monthly statements. I have auto-debit, so I often would n't check statements, hence why I did not notice my rate change and the following. 

Shortly after I signed onto the XXXX XXXX website I say my amount due and thought, that my account balanced seemed higher than what it had been in the last year at XXXX. I requested all the information XXXX had on my old XXXX XXXX XXXX data and I finally got it. After painstakingly transferring the data into XXXX and performing all the necessary calculations ( which I can only thank my XXXX in XXXX, to be able to even go this far ) I have discovered my hunch was right. 

I have, in essence, have had one full year of payments removed from my balance ( as if, I 'm paying from the start of XXXX again ). While my loan is not large compared to others the amount is still enough to make me angry at the banking institution for their clear negligence and makes me all the more concerned for my fellow borrower who nationally carries a larger debt than I. The amount difference in question here is {$1200.00}. That is still the equivalence of one full year of payments. The current balance is {$12000.00} while the real value, using the ending balance at XXXX and what I paid to XXXX, actually is {$11000.00}. 

To be clear, in my calculations, I added the unpaid, accrued interest before my first payment six months after XX/XX/XXXX, which includes the first disbursement at XX/XX/XXXX and the second at XX/XX/XXXX. 

I have paid a total of {$11000.00} of which {$5100.00} went towards principle and {$6200.00} went towards interest. Of the total paid, {$1100.00} was above the minimum due and was selected to pay off principle ( mostly done during the first couple of years - to help reduce the loan quicker ).
Product: Debt collection

I have reached out several times to AmeriCollect regarding the accounts that have listed as delinquent on my credit report. They have not responded to any of my attempts.
Product: Mortgage

On Wednesday, XXXX XXXX we informed Dovenmuele Mortgage that we wished to pay off our mortgage, and was told by the representative we were talking to that we had to have a closing statement ordered before we could pay our loan off, which she told us she would order to be completed by Friday XXXX XXXX. When we called on XXXX XXXX though no closing statement had been prepared, and they could find no record of one having been ordered leaving us to attempt to our mortgage off online. But it would only allow us pay {$6600.00} toward the principal, and another {$760.00}, which we put in the other category, since it would not allow us to apply anymore toward the principal. As we had still not received a closing statement on Tuesday, XXXX XXXX, we called Dovenmuehle again at XXXX, and talked to a supervisor, who told us she would request that an expedited closing document to be prepared and faxed to us, that was supposed to only take from 2 to 4 hours, and that she would request that the additional {$760.00} that we paid on XXXX XXXX, which should have been applied toward the principal, but was n't, be applied toward our principal balance. On Wednesday afternoon, XXXX XXXX, a day after we were supposed to have received a closing statement, we finally received a closing statement from Dovenmuehle, although the payoff amount was incorrect, as they had still not applied the extra {$760.00} we paid toward our principal, as they were still holding it in a suspense account, and charging us interest on that amount. While talking to a supervisor later in the day on Wednesday XXXX XXXX she suggested that we wait until they apply the extra {$760.00} toward our principal, which she told us could take up to 5 days, and then request another closing statement to keep from confusing their accounting dept. Although we have called and talked to a supervisor every single day since XXXX XXXX, and even filed a complaint with the XXXX, they have still not applied the extra {$760.00} we paid on our loan toward our principal, and have still not provided us with an accurate closing statement. We simply wish for them to credit the {$760.00} we paid them toward our principal, provide us with an accurate closing statement so that we can pay our loan off, and take off any interest that they have charged us on the {$760.00} they have been holding in their suspense account.
Product: Credit reporting or other personal consumer reports

I noticed a collection on my credit report. When looking into it, it was unpaid medical expenses that should have been covered when I obtained healthcare from the state. It was sold to a third party debt collector. I reached out to the company who is holding the collection and asked how to show proof I have medical coverage, I provided the information needed to have it taken off the report. Six months later, it is still there. I have disputed it numerous times and it still stays on my report, preventing me from buying a home, a car, and getting credit cards to build my credit.
Product: Credit reporting or other personal consumer reports

Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX  and XXXX etc reporting as a collection items. I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection accounts. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them. Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in XXXX  to be updated and/or removed. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters on XX/XX/2021 andXX/XX/XXXXand havent gotten a response or anything in writing from none of the three credit bureaus. 15 usc 1681 there is a little doubt that XXXX, XXXX and XXXX  has eveidence that this clearly does not belong to me. within timely definsition per federal standard.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit
reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to request an update to my personal information on my credit report below are addresses that do not belong to me. Please find the details below : XXXX XXXX XXXX XXXX : XX/XX/year> SS # XXXX Current Address : XXXX Park XXXX XXXX, XXXX XXXX GA XXXX Addresses to be Removed : XXXX. XXXX XXXX XXXX, XXXX, AL XXXX XXXX. XXXX XXXX XXXX, XXXX, AL XXXX XXXX. XXXX XXXX XXXX, XXXX, AL Address to be Updated to : XXXX Park XXXX XXXX XXXX, GA XXXX Current Employer Information : Employer Name : The XXXX Group Please update the information in my credit file as requested above. 

I appreciate your prompt attention to this matter and look forward to receiving confirmation that these changes have been made. 

Thank you for your assistance.
Product: Vehicle loan or lease

Kia Motor Finance took two payments this month from my bank account. I called customer service because of the error by Kia. At first they were fine in reversing the payment ; however they said they would mail me a check in 10 days. I asked if their was some way to expedite it and if they could include the cost for the NSF fee my bank may charge. The initial person basically ignored my request and just restated i would get a check in 10 days. So i asked to speak to a supervisor. This is where the problem began. The supervisor. I believe her name was XXXX said she would not do anything because they were not responsible for bank fees and seemed to insinuate she would not refund the payment to me. She then tried to blame me saying the reason it came out twice was because I made a payment then set up auto pay which came out on the XXXX. However their own website said my auto pay was set to begin on XXXX/XXXX/XXXX. When I asked her why she just continued to blame me. Not only do I know I did not set up auto pay to start on XXXX Kia Fiances own website confirmed it was not set up that way. Not only did she threaten to not refund the payment but when I asked her for her full name she refused. I asked for the name of the previous person and her answer was imply " no '', and when I asked to speak to her supervisor her answer was again " no ''. Then I asked to be transferred to the complaint department and she transferred me to a totally unrelated department that when they answered told me they were the wrong department. This is a major Reg E violation. Not only did they not help but the manipulated the facts to shift responsibility the customer service supervisor should be reprimanded.