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

CHASE BANK BILLING AND TRANSACTIONAL CONTRADICTIONS : AS NOTED BY CONSENT ORDERS WITH CFPB UNFAIR DECEPTIVE ACTS OR PRACTICES POLICY FILE NO XXXX AND FILE NO XXXX A XXXX BALANCE ACCOUNT : XX/XX/XXXX CHASE BANK STATEMENT XX/XX/XXXX THRU XX/XX/XXXX, BALANCE {$0.00} TRANSACTION ON XX/XX/XXXX XXXX XXXX XXXX CHARGE OFF XX/XX/XXXX CHASE BANK BRANCH BALANCE INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX, BRANCH XXXX CHASE BALANCE INQUIRY AT CHASE BANK BRANCH ACCOUNT NUMBER ENDING XXXX  BALANCE {$0.00} WITH RECEIPT A {$39.00} BALANCE ACCOUNT : XX/XX/XXXX LETTER FROM CHASE BANK THERE IS A BALANCE DUE PAID CERTIFIED MAIL XX/XX/XXXX, BALANCE WAS XXXX. WE STILL HAVENT RECEIVED PAYMENT FOR YOUR PAST DUE BALANCE OF {$39.00} PLEASE SEND US YOUR PAYMENT AS SOON AS POSSIBLE. FIRST AND ONLY LETTER RECEIVED CONCERNING A BALANCE?

45 DAYS LATER YOU RECEIVE A BILL FOR THE CHARGE OFF AS IT IS NOW A BALANCE ON A CLOSED ACCOUNT. THE ACCOUNT IS CLOSED. CHASE REOPENS THE ACCOUNT TO ADD OR CREATE A BALANCE AND THEN BILL IT AS DELINQUENT OR NEGATIVE CREDIT REPORTING?

HOW OR WHY WOULD, THAT HAPPEN?

CREDIT REPORTING CONTRADICTIONS : 4 CHASE LETTERS REGARDING XXXX XXXX XXXX REPORTING AND IT STILL IS NOT REMOVED, HOW LONG DOES IT TAKE FOR CHASE WHO HAS A BUSINESS RELATIONSHIP WITH XXXX   TO SEND A DIGITAL TRANSMISSION TO REMOVE THE REPORTING THAT YOU FURNISHED?

IT DOES NOT TAKE 30 DAYS AND IT DEFINITELY DOES NOT TAKE 7 MONTHS PLUS.

CHASE TAKES ADVERSE ACTION WITHOUT INFORMING THE INDIVIDUAL THAT YOU DID REPORT IT TO XXXX AND YOU REPORT INFORMATION THAT YOU CAN NOT VALIDATE? XXXX  IS SPECIFICALLY FOR FRAUDULENTLY CLOSED ACCOUNTS OR ACCOUNTS CLOSED WITH A BALANCE IN COLLECTIONS ONLY.

CHASE STATES IN YOUR LETTERS WE ASKED XXXX TO REMOVE YOUR NEGATIVE ACCOUNT STATUS YOU MAY CONTACT XXXX XXXX XXXX TO DISCUSS THE REMOVAL OF THE NEGATIVE REPORTING CHASE STATES IN YOUR LETTERS THERE IS AN ACCOUNT CLOSURE CLOSED REPORTED TO THE XXXX XXXX XXXX ( XXXX ) WE HAVE SENT A REQUEST TO REMOVE THIS STATUS AS WE ARE UNABLE TO VALIDATE THE ACCURACY OF THE REPORTING YOU REPORTED, YOU ASSUME RESPONSIBILITY TO REMOVE IT, YOU ASSUME RESPONSIBILITY TO CONFIRM IT HAS BEEN REMOVED IN WRITING TO THE INDIVIDUAL.

XX/XX/XXXX CHASE LETTER XX/XX/XXXX CHASE LETTER XX/XX/XXXX CHASE LETTER XX/XX/XXXX CHASE LETTER
Product: Debt collection

2017 debt owed to XXXX XXXX XXXX XXXX ( acct # XXXX ) of {$1000.00}. Went to collection with XXXX ( acct # XXXX, ref # XXXX ). They offered a settlement of {$810.00} which I paid XX/XX/2017 ( confirmation of payment # XXXX ). I have been getting periodic letters of collection for {$200.00}, the amount that was forgiven with the settlement ( XXXX ). I have received periodic letters of collection for {$200.00} over the last 3 yrs. On XXXX I spoke with XXXX XXXX. After 90 min on the telephone they confirmed that I did not have an open account with them and that they received the payment from XXXX on XX/XX/2017. XXXX XXXX XXXX also told me that they could do nothing to resolve the acct because it is closed and that I would have to call XXXX to resolve. I have called XXXX numerous times only to get a recorded message. ( Good luck to me its is a pandemic ) My latest collection is from ERC for {$20000.00} ( XXXX XXXX XXXX XXXX acct # XXXX, ref # XXXX ) Frustrated and angry!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Mitchell Rubenstein & Associates , P.C . has had oversight of my debt to XXXX XXXX XXXX XXXX XXXX since XX/XX/2007. An agreement was made to pay {$200.00} every month until the debt is paid in full. Every month, I receive a letter informing me that the pre-authorized collection of {$200.00} for this debt will be drafted from my bank on the first of the month. I've made several calls to this firm over more than a year, to ask for my balance of this debt. As part of their communication, as a minimum, at the end of the year, I feel the Firm should send me the outstanding balance of my debt. At this point, I don't have any idea as to how much I owe XXXX. I would like for you to contact this Firm to have them send them the balance of my debt to dateI called the XXXX number and was given XXXX. I have yet to get the person assigned to this number, and the individual has never returned my call. My information for this firm is : XXXX XXXX, File No : XXXX, Acct no : XXXX. This is the only identification info that they send with my letter of notification for pre-authorized draft of {$200.00}.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co XXXX XXXX XXXX DOB XX/XX/XXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 
In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has a total of 6 medical debts under {$500.00} still reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$55.00} ( This has been paid in full ). 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$120.00}. 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$120.00}. 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$65.00}. 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$87.00}. 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$34.00}.
Product: Debt collection

Niagra Restitution Services called and left a message with my sister in law to call them at XXXX. I called them and asked them to remove her number from their contact list, and was hung up on. Then I called back and the rep refused to send me proof of debt in writing. His supervisor also refused, and could not give me the name of the original debtor. She asked me if I was still driving a certain make and model car, and said they could take a lien on my vehicle. She also threatened garnishment. Every time I would ask for proof of debt, she would report that I refuse to pay. She offered to send me a confirmation email if I gave her a card number today to pay the debt. I told her that I would do so after I have proof of debt in writing. She again refused to do so.
Product: Debt collection

Today at approximately XXXX XXXX I called back a number that has been calling me many times but never disclosed who they were. I was told they were calling from a debt collector, identified as XXXX XXXX. He explained that I had a debt of over {$5000.00} from a hospital from 2021. Swing as I was not aware of this debt and it has been so long, I requested validation of the debt, as I have no recollection of it. I asked for specific details in writing, including the original creditor 's name, purchase agreement, debt incurrence date, and complete account history. Instead of cooperating, XXXX interrupted me, accusing me of being overly informed about consumer rights and watching too much laws. Despite my insistence on receiving documentation, he refused, suggesting I contact the hospital directly to get that information as his company wouldnt be providing me with what I am asking. 

I asked him if he was not capable of providing me with the information, When I pressed him for what information he could provide he said the invoice with the amount, I said I need that mailed. I'm concerned about the legality of his behavior and unsure of how to proceed. was not expecting to be made fun of for simply wanting clarity on the situation, and I find it concerning that he brought up the legal system in a mocking manner.
Product: Checking or savings account

I called Capital One on Fri XX/XX/20 to redeem my matured CD. Since my branch is closed due to Covid and the next closest branch is 1hr15min away I asked if they could send it electronically to my bank. They said no we have to mail you the check. It's about {$90000.00} so I asked if they could send it certified and they said they would. It is now almost 5 weeks later and there is no sign of the check. I have called 6 times and every time I've had to wait a grueling 45 min-1 hour with a horrendous music loop that is like water torture. I don't say this to be dramatic I am serious. It is bad, really bad. Each time I call I have to explain the whole scenario and they invariably send me to a supervisor only for me to explain the whole thing again. On one occasion I spoke to a supervisor named XXXX and on another occasion I spoke to a supervisor named XXXX. Today I talked on the phone with an associate and she elevated it to XXXX, then he elevated it to XXXX and then she elevated it to XXXX. Each time in between I had to explain it again and then hold with the horrid music. They said they had stopped payment on the check and they would mail ( they said they can't email it ) out a lost check claim form for me to fill out and then review it. I've been waiting on this form for over two weeks and no sign of that either. Why am I having to wait for a form that I am required to fill out and have notarized and and then send back for them to review and then start a long process of waiting all over when I wasn't the one who lost the check. They sent it out without any kind of tracking or signature required by the recipient. They're sending out massively large checks by first class mail with no idea if the checks will ever get there or any way to trace it. The supervisor XXXX admitted that they are supposed to XXXX   all checks over {$50000.00}. I keep waiting and hoping someone will acknowledge how outlandish this is and cut the red tape and get me my money. By holding on to my money they are defrauding me out of {$4.00} interest a day which is what my CD was making and thus far I have lost well over {$100.00} in interest waiting plus an opportunity to deposit the money in XXXX and get a {$300.00} bonus on an offer that has ended. I am at my wits end. I desperately need this money to live on. I am a senior and it is most of my life savings. PLEASE, PLEASE HELP ME RESOLVE THIS HEARTWRENCHING PAINFUL SITUATION.
Product: Credit reporting or other personal consumer reports

Incorrect reporting to credit reporting agencies.Have attempted to resolve issue with newrez dba shellpoint mortgage servicing with no success. I have sent them proof of payment as they requested so that they can fix issue, and after emailing proof, they are not confirming whether they have fixes the issue. They have drastically affected my credit score from a XXXX plus to a XXXX due to incorrect reporting. I have tried and tried over and over to get this resolved, but have met mostly unprofessional support from personnel. They are now sending me letters of non payment and possible reporting to credit bureaus even though my payments are made ontime every month with even extra payment towards principal. I am honestly at a point of feeling helpless as i am doing everything right and they are ruining my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern. I am writing this matter on my own without any assistance of any third party. I shall now continue with my dispute. According to the Fair Credit Reporting Act, the following creditors are infringing on my federally protected consumer rights to secrecy and privacy under 15 usc 1681. XXXX are violating my rights, XXXXE are violating my rights, XXXX are violating my rights,. My fourth amendment rights are being violated by the creditors and the credit reporting company Equifax. My personal information should be safe and private within my paperwork, but it isn't because it's being shared with consumer reporting companies without my prior approval. My personal information is being disclosed to consumer reporting organizations without my express agreement, therefore neither my papers nor I are secure. My documents are not safe, which violates my fourth constitutional right. I also have a right to privacy, it 15 U.S Code 1681 section 602 A of the Fair Credit Reporting Act says. I feel like I'm being taken advantage of and that the mentioned creditors and credit reporting agencies are working together to harm me because my right to privacy has already been violated. I'm being treated unfairly and had my rights violated. A consumer reporting agency can not provide an account without my written instructions, and the mentioned creditors lacked the legal authorization to send my social security number to Equifax, one of the credit reporting agencies. 15 U, S Code 1681 Section 604 A section 2 states that. Because I never authorized nor granted permission for what the aforementioned credit reporting companies are doing to me, they are guilty of aggravated identity theft and may go to jail. 15 US Code 1681c ( a ) ( 5 ) states very clear that no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. By law, none of the accounts I've specified above may appear in my consumer report. 15 US Code 1681s-2 ( A ) ( 1 ) states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Prior to filing this complaint, I informed each of the mentioned creditors that their information was in fact unreliable, erroneous, non verifiableand incomplete. Thank you for your attention to this matter ; I assure you will not discriminate. I demand that these accounts be deleted immediately, or I will file a lawsuit for the questions and emotional distress this matter is causing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Walmart has not been reporting an account that I'm listed on as an " Authorized User '' to the CRA 's. The primary account holder has on several occasions notified Walmart to start reporting the account yet they have not to date and I have been added to that account at least for 6months.
Product: Checking or savings account

I had a checking account in this bank for over 30 years I set up a automatic payment for a life insurance policy that I decided to cancel the insurance company refused to cancel it before I even made the initial first payment which really was the second payment being the first payment was only a XXXX the bank refused to cancel the automatic payment before the payment was due they stole {$64.00} and change after I took {$400.00} out of the account to reduce it below the cost of the first insurance payment which was {$110.00} instead of them going for insufficient funds they stole the {$64.00} and change out of my checking account put on a XXXX and change thinking that they were going to XXXX it out of my social security check I canceled the social security then they canceled my account I wanted the account reinstated they sent me a {$210.00} check because I turned them into the XXXX XXXX XXXX apparently they told him they were wrong they canceled my account refuses to let me have my account back I didn't make the mistake they did I want to account reinstated I have no ID I don't want an ID and I'm not paying for any government IDs that I do not need! 
Sincerely, XXXX XXXX XXXX if you need any other information please contact me at XXXX XXXX XXXX and please do not let this number get out and do not give it to this Bank I'll just get more harassment thank you.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX XXXX XXXX ( XXXX ) for unlawfully sharing my nonpublic personal information with multiple non-affiliated third party, despite my explicit written notice opting out of such disclosures. 

On XX/XX/year>, I provided XXXX with a written opt-out notice to prevent the sharing of my nonpublic personal information, as permitted under the Gramm-Leach-Bliley Act ( GLBA ), Regulation P and 15 USC 6802. 

However, I recently discovered that XXXX shared my nonpublic personal information with XXXX, and EQUIFAX, both of which are non-affiliated third party, in direct violation of my opt-out request. EQUIFAX has been reporting information on my XXXX  account ending in XXXX, from XXXX. This unauthorized disclosure constitutes : 1. A violation of the Gramm-Leach-Bliley Act ( GLBA ) Specifically, XXXX failed to honor my opt-out request for sharing nonpublic personal information. 
2. A violation of CFPB Regulation P Governing the treatment of consumers private information and requiring financial institutions to respect opt-out elections. 
3. A breach of XXXX  Privacy Policy XXXX explicitly provides opt-out rights to customers. 
4. A violation of 15 USC 6802. 

This unlawful disclosure has caused me tremendous financial harm, emotional distress and inconvenience. I have not been able to secure me and my family with the needs necessary to pursuing our happiness. I have been denied for necessities like loans and bank accounts. I have been humiliated by my peers for lack of providing adequately and shamed by my family. This has inconvenienced me to the point in which I can only hope to recover.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus o 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. 
XXXXXXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$4300.00} ; XXXX XXXXXXXX XXXX Balance : {$700.00} ; XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX Balance : {$2500.00}.
Product: Credit reporting or other personal consumer reports

My credit was used on XX/XX/XXXX and I did not authorize anyone to pull my credit and to leave a hard inquiry the company name that shows on my report is XXXX its only showing on my XXXX report. I would like for this inquiry to be removed I also filed a report with identity theft gov
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries are not linked to a live account and I did not authorize the inquiries need them removed immediately. 
Consumer XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Ar XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX ( Duplicated twice ) XXXX and XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX  Mortage Service XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/XXXX to XXXX and XXXX and XXXX and XXXX ( did not authorize any inquiries ). Just abusing reporting without authorization
Product: Money transfer, virtual currency, or money service

I had transferred from my personal checkings {$200.00} then XXXX XXXXnow I was told that the {$200.00} would be available in five days..While waiting for that transfer I transferred {$300.00}. They made {$200.00} available amount I believed was the original {$200.00}. And on the XX/XX/XXXX I should have had {$300.00} additional. instead they debited the {$200.00} then the remaining {$170.00}. I was told someone withdrew the {$200.00}. I did not withdrew any money. I am in XXXX I was told this took place in XXXX XXXXXXXX XXXX I told them I am at address associated with my account and I have not been in XXXX XXXX since XX/XX/XXXX. I was told they would investigate..and now I looked at my account and they sold the remaining of my stocks.without my authorization as to close my investment account at Robinhood.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. The XXXX credit cards was opened XXXX XXXX receiver of account was XXXX XXXX XXXX collections agency on XXXX XXXX  was the date they received my credit card account. A settlement arrangement of XXXX was made with XXXX XXXX XXXX to settle my account for the payment I made on XXXX XXXX in the amount of XXXX and they did not hold up there end of agreement to get the account deleted. 


15.U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions. 

On Tuesday XX/XX/ I called in and I asked the company to do a thorough verification and investigation on my credit report because the payment I made was to settle the account and they stated that they completed verification and that everything deemed to be accurate and had been reported to all 3 credit bureaus. Even after speaking with them I did a thorough research for myself and I found improper inaccuracies on the credit report even after they did the thorough research and investigation on this account it's still listed on my credit report after being resolved. I reached out to the company and they tried to make me do a payment arrangement and I stated that I was not going to pay for a account that is supposed to be settled.
Product: Mortgage

My mortgage has been sold 3 times in a 9 month period.the first one called XXXX  allowed my information to be breached then sold it to mr cooper but consumer told me to hold payment for mr cooper, a program helped me pay my payments and catch them all up to mr cooper, while this payment had been received and paid mr cooper requested money again and claimed the payment was not received but was proven to be. All this time mr cooper had already sold my loan to another company but was requesting more money from me .now I have a new lender but mr cooper has my home balance incorrectly with the new loan that is basically saying my loan went up and a d they did not receive payment but I have receipts with XXXX  XXXX that they did get payments .my loan shod be XXXX left but it is stating XXXX