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

I have a rental property located on XXXX XXXX in XXXX. Chase holds the mortgage on that property. Each month, the management company deposits funds for the mortgage payment into my personal account and then Chase automatically debits my account for the monthly payment. 

Yesterday ( XX/XX/XXXX ), Chase notified me that this personal account was overdrawn. This was because there were insufficient funds to cover the mortgage payment. 

However, the cause of the overdrawn account was because CHASE FAILED TO CREDIT THE PAYMENT MY MANAGEMENT COMPANY MADE to my account before the automatic withdrawal occurred. 

On XX/XX/XXXX, my management payment issued check number XXXX into my personal account. Chase had XXXX days to post the payment to my account before the automatic payment occurred, but they failed to do so. That check has STILL not cleared the bank as of today. The management company then went to the time and expense to reissue the check via wire transfer on the same day we became aware of the overdrawn account. 

Coincidentally, I recently made a different complaint to the COFB about the same problem- ie Chase regularly not posting payments made by a different management company of ours in relation to a different property. THIS PROBLEM APPEARS TO BE A SYSTEMATIC ISSUE WITHIN CHASE BANK AND NEEDS INVESTIGATION.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed an account that appears to be misreported or inaccurate.
Product: Credit reporting or other personal consumer reports

All of these hard inquiries were made fraudulently. I did not make any of them! None resulted in accounts opened. 

XXXX Hard Inquiry XXXXXXXX XXXX XXXXXX/XX/XXXX. Tried to dispute with XXXX and was denied. Tried to call XXXX and they put in a credit report for me. 

XXXX XXXX XXXX - They would not let me dispute anything until I filed this report. 
US BANK XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Hard Inquiry XXXX XX/XX/XXXX- I completed a dispute but this was the only inquiry that was not removed as a result of the dispute. They said it was because I have an XXXX account currently, but I did not have one in XXXX.
Product: Debt collection

i dont owe a debt to a debt collection agency. but they keep calling. i tried calling to tell them this but i get told to hold ... then they hang up
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On, XXXX add a hard inquiry on my credit reports. 
On, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On, XXXX XXXX XXXX add a hard inquiry on my credit reports.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that o.re not mine. I noticed it because I recently applied for o. credit card and I wasn't approved so it prompted me to check my credit report these items listed are not mine and need to be deleted from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX There are also several inquiries as well that need to be deleted. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX.
Product: Debt collection

Southern Management System ( the XXXX apartments ) XXXX XXXX XXXX XXXX, XXXX fl XXXX XXXX. Mailing address XXXX XXXX XXXX fl XXXX stating that i owned {$3000.00} i try to revolve the issue in different ways and what they do every month the updated on my credit report as new .. this acct is more than 3 almost 4vyrs old. And they keep updating it on my 3 credit report every month .and for my understanding this action its a violation of law for reporting old past due as a new.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS REPORTING 11 FRAUDULENT INQUIRIES RANGING FROM XX/XX/2021 TO XX/XX/2021. XXXX  IS REPORTING 30 FRAUDULENT INQUIRIES RANGING FROM XX/XX/2021 TO XX/XX/2021. XXXX IS REPORTING 19 FRAUDULENT INQUIRIES RANGING FROM XX/XX/2021 TO XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

recently received a copy of my credit report and found that XXXX XXXX are illegally reporting inaccurate information about me The following alleged account is listed as a collection with a PAST DUE balance of XXXX after notifying this creditor of this alleged debt this creditor has reply that this debt has been verified as accurate Ive responded buy asking has what MOV ( method of validation ) was use for verification with no response This is a violation of the FCRA and is also in violation of reporting standards. 
According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report therefore any information that is not true, accurate and verifiable is required to be removed.
Product: Credit card or prepaid card

I have the XXXX Credit Card with Chase Bank. OnXX/XX/19, I was charged my {$75.00} annual fee for my card. On XX/XX/19, I called to request an upgrade to the XXXX XXXX  XXXX XXXX which has a {$95.00} annual fee. I was told that they would be crediting my {$75.00} fee and charging the {$95.00} fee. Fast forward, the {$95.00} fee hit my account on XX/XX/19. This is deceptive. 

I budget my expenses on a monthly basis. I planned to pay the {$95.00} annual fee when i performed the upgrade back in XX/XX/XXXX. It is unfair for Chase to secretly place a {$95.00} fee on my account 5 months after performing a transaction. To me, it feels as if they were hoping I wouldn't notice, not pay my bill, and get charged interest on the fee since it wasn't a planned expense for the month of XX/XX/XXXX. 

Chase did not tell me that the fee would take 5 months before it hit my account. Chase did not email me or call me to let me know that it the fee was posted on XX/XX/XXXX. There was no attempt made to inform me. 

It concerns me that Chase feels that it is appropriate to delay the charging of fees until their customer may not notice it, in hopes of tricking them when they aren't expecting it. 

When I spoke with an agent and then their supervisor, they told me that it could take up to 6 months before an annual fee hits the account when performing a product upgrade. This is not in the terms and conditions or visible on a product page or in any of the communications. 

This should not be allowed.
Product: Debt collection

I was made aware XX/XX/XXXX that my ex wife had obtained a credit card in my name with out my consent or knowledge and had been using the card sinceXX/XX/XXXX and had been making payments on the card wit the XXXX XXXX account and in XX/XX/XXXX she made a XXXX dollar payment on it with a joint checking account with mine and her name on the checking account and now the company says that i am responsible of the total debt. Even Though i have never had any knowledge of the card and all the info i have received from citi bank in the last 11 months. I have continuously asked them for there securities services to send me all info on the account. In writing and over the phone they have told me numerous times that they could not because i was a victim of fraud and identity theft. every time i've called them and explain they instantly close the account. But i have been talking with an agent named XXXX in security services he has said that there has been a lot of bad behaviour on this account i've asked for the signatures on the account and he tells me that he can not provide them to me. This account was opened nine months before i moved to the state of oregon. At the time my address was in XXXX  Id. I did not move to the state of oregon so in the last 11 months of talking to citi bank i have found that my ex wife was responsible for using my personal info to obtain and use a card in my name with out my consent or knowledge. Citi bank has told me that she has used XXXX XXXXy and XXXX XXXX  accounts to pay for things on XXXX. Then she did a XXXX dollar transfer that they wont tell me what its for they say they cant tell me anything because i'm the victim of theft but they call continuously and threating that i need to make a payment or they will start legal proceedings. I have told them that i refuse to pay on or for an account that i never opened or used. But because of one payment she made on it with a checking account we shared so they say i'm responsible. What i would like is to have the calls stop and for them to go after the responsible party. The reason i found out about the account was that my ex wife had changed all her contact info for this card from her info to mine. When they called i told them i knew nothing about it and we have going back and forth over this i've given them her info and they still call and threating me
Product: Checking or savings account

I am writing to express my deep concern and dissatisfaction regarding the recent handling of an unauthorized transaction on my Chime account. On XX/XX/, a transaction in the amount of {$1700.00} appeared on my account, which I promptly reported to your customer service representative during a phone call on the same day. 

During the conversation, your representative informed me that I needed to wait for the transaction to post or clear before initiating a dispute. Despite my insistence on immediate action, I complied with the instructions provided. Additionally, I was informed that an email would be sent to me, allowing me to submit a police report as supporting evidence. However, to this day, I have not received such an email. 

To my dismay, the transaction eventually posted, and the dispute process commenced. Astonishingly, within a mere three days from the transaction date, Chime reached a conclusion that the charge was not fraudulent. I must firmly assert that this determination is entirely erroneous, as I did not authorize nor recognize this transaction. 

I am committed to seeing this matter resolved properly and justly. I understand that resolving such issues can be time-consuming, and I am willing to actively participate and cooperate in any way necessary to bring about a fair resolution. However, I must emphasize that I will not cease my efforts until this matter is resolved in the appropriate manner. 

Please be aware that I fully intend to file complaints with all relevant United States government agencies, engage both local and federal law enforcement agencies, and raise public awareness through various media platforms. As a young social media influencer, I understand the immense power of social media to bring attention to such matters. Furthermore, I have already sought the assistance of a competent lawyer who is prepared to pursue legal action against Chime Bank, as I firmly believe that your institution has a fundamental obligation to safeguard consumers from fraud and illegitimate transactions. 

It is my sincere hope that we can resolve this matter swiftly and amicably. I kindly request that you initiate a thorough reevaluation of the disputed transaction and reconsider your previous decision. I implore you to conduct a meticulous investigation, taking into account all available evidence, including my steadfast denial of authorization for the transaction. 

I look forward to a prompt and satisfactory resolution to this issue. Should you require any additional information or documentation from my end, please do not hesitate to contact me via the provided email address or phone number. 

Thank you for your attention to this serious matter. I trust that, as a reputable financial institution, Chime Bank will handle this situation with the utmost professionalism and rectify the issue accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX we established a repayment plan with Ocwen, which included adding an additional $ XXXX/mo to our regular monthly mortgage. We paid the repayment plan ON TIMXXXX each month and they are still showing us as being delinquent since XXXX XXXX. We paid the past due amount and our regular monthly pay of {$3100.00} on XXXX XXXX, XXXX to end the repayment plan and we were told that they would report to the credit bureau on XXXX XXXX, XXXX and still as of XXXX/XXXX/XXXX there has not been any credit reporting. We have called in twice and filed a complaint on their website and they keep telling us it will be the first week of XXXX and then the 2nd week of XXXX We just got another notice saying it will be an additional 7-10 business days again before they will report our mortgage in good standing. Since we paid on time since XXXX it should reflect on our credit report. The very least they need to report our most recent payment correctly as it is really hurting our credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, the Equifax credit bureau received a certified letter from me disputing items and requesting validation of multiple accounts. On XX/XX/2020, I received a letter from Equifax stating that they needed more information to confirm my identity and my current address. I was able to gather that information replied to that letter via certified mail on XX/XX/2020, and that letter was then returned to me on XX/XX/2020. 

When I did not hear back from Equifax by XX/XX/XXXX with return receipt, I sent off a second letter which was received by Equifax on XX/XX/2020, of which I DID receive the return receipt for on XX/XX/2020. 

I feel that Equifax Should be held accountable for rejecting my letter with the information that they requested. The actions set forth by Equifax has displayed an inability to accurately follow federal guidelines set by the FCRA Section 623 ( a ) ( 3 ). They have not afforded me a proper dispute within the given timeline set by the FCRA.

All documents have been attached as proof Page 1. Return receipt for initial dispute singed for by Equifax on XX/XX/2020 Page 2. Equifax 's request for additional identification dated XX/XX/2020 Page 3. Return receipt for dispute follow-up signed for by Equifax XX/XX/2020 Page 4-6. Returned Mail Slip from USPS Along with USPS tracking printout I have also attached the same documentation to verify my identity to avoid any further mail rejections or delays
Product: Checking or savings account

Good morning, I was recently a victim of fraud/theft ; this fraud included three separate amounts in my checking account that have been denied after I submitted a claim. I will provide you with further details regarding this unfortunate situation below : I was purchasing a brand new, sealed in box, XXXX XXXX, Unlocked, XXXX gb, in the color purple from XXXX XXXX. The person whom I was purchasing the phone from requested that I use XXXX as a form of payment and agreed to ship the product to me. This scammer first requested a payment of {$500.00} from me. However, she indicated that because this was our first transaction, that I would have to be the one to send the payment ( as opposed to her requesting the payment from me ) ; hence, a second amount of {$490.00} was sent ( the scammer said that the amount sent for first-time transactions could not be more than {$500.00} ). This person sent fake transcripts from a chat with XXXX saying that my first payment of {$500.00} would be refunded by the next business day ; the scammer also sent fake receipts from UPS showing the product as shipped. Additionally, I was scammed {$180.00} for another product from XXXX XXXX, which was for accessories for my new phone ; I was also sent proof of delivery for these products as well, which unfortunately were never received ( this payment was submitted through XXXX ). 

This is an extremely large amount of money withdrawn from my account as a young, working woman, totaling {$1100.00}. It is your duty as the Consumer Financial Protection Bureau ( CFPB ) to protect me from situations such as the ones mentioned. I am not ignorant of the fact that this transaction was authorized. However, there has been {$250.00} XXXX dollars in fraud from XXXX since XXXX ; since PNC has partnered with XXXX, I would hope that more protective measures would be in place, considering this great loss. 

When disputing these transactions with my financial institution, PNC bank, they were denied on XX/XX/XXXX - the dispute with the amount of {$180.00} needed additional information for review. However, there were measures that did not seem to be taken into consideration during my investigation which include : 1. Comparing the purchasing pattern for the claim, such as types, amounts, and purchases, with the consumer 's previous purchases ; you can see that I have never used XXXX nor XXXX XXXX prior to this incident. 

2. The place of delivery of the payment ( relative to my home ). 

3. Getting in touch with the other party that committed the fraud. 

According to Regulation E of the Electronic Fund Transfer Act of 1978, when someone is induced into giving money, even if it is agreed upon, it is the bank 's duty to replace the funds. 

I have filed a police report for this incident if you would like to use the following case number to assist with this dispute : XXXX. 

I am requesting that you further look into my disputes and provide me with a reimbursement. Thank you and I look forward to hearing from you. 

Thank you very much for your time,
Product: Credit reporting or other personal consumer reports

I have old information on my credit report with all the agencies. Equifax and XXXX sent me a copy of my credit report and it still has the same old information on it. Loans I paid off and they will not remove. I asked for this to be removed as well as old incorrect information like addresses, and employment info. This has not been done. XXXX just haven't sent me anything. Every time I go on the website it still has old and incorrect information after I sent certified letters to them to please remove. Now I have to dispute this again because these Bureaus will not remove this information. It's old and it's paid off years ago but they are claiming it still needs to be on my credit report. Why? This just doesn't make since. Now I am going to have to fight to get them to remove my XXXX  information because that was discharge and I have the discharge letter to prove it but they are not going to remove that either. I am trying to buy a house all of this unnecessary information that is on my credit report needs to be removed. I paid the old bills/loans off so why does old loans need to still be on my credit report from years ago when they are paid in full and closed due to then being paid off. On my Equifax report this what is reads ( THIS ACCOUNT IS CURRENTLY REPORTING PAID AS AGREED WITH NO LATE PAYMENTS. THIS CREDITOR IS CURRENTLY REPORTING XXXX BALANCE ) So why does this need to stay on my credit report. this should deleted. It's an old loan I got in 2019. I have a lot that says in the above quote on a lot of my old loans. They need to be deleted it paid in full. I have XXXX outstanding loans so they can be on my report not the old ones i am disputing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My checking account with XXXX XXXX XXXX ( now XXXX XXXX was hacked on XX/XX/XXXX & XXXX. On XX/XX/XXXX, we went to our branch and closed all old accounts ( checking, savings, XXXX, lines of credit and debit cards ) and RE-OPENED ALL NEW ACCOUNTS. As I do with all my credit cards, ( XXXX, XXXX, XXXX, etc ) I entered the new checking account information online so I could pay my bills including XXXX. I pay all my bills online. On XX/XX/XXXX I made a payment online to XXXX in the amount of {$85.00} and did the same again on XX/XX/XXXX for {$85.00}. On XX/XX/XXXX, I made another payment to XXXX for {$85.00}. On XX/XX/XXXX when I noticed none of these payments cleared my checking account, I wrote an email to XXXX Bank inquiring if there was a problem. XXXX/XXXX  is the only account I am having problems with. All my other payments to my bills have gone through without any issues. XXXX Bank answered me via email on XX/XX/XXXX telling me MY ACCOUNT WAS INVALIID due to INFORMATION they RECEIVED FROM GiACT SYSTEMS. This information is totally false and I definitely must dispute this. This has caused me more grief than the initial hacking into my former checking account did. I have an excellent credit rating. I'm honestly attempting to pay my bills and now I have to do it via telephone, which is going to accrue needless charges. I need this information rectified so I can re-enter my checking account number onto the XXXX XXXX  website. I want GiACT Systems to rectify my information since my NEW CHECKING ACCOUNT IS VALID, as is all my new accounts. Please inform XXXX XXXX that this is a proper, working checking account number. I have more than one credit card with XXXX XXXX. Therefore, this is truly a mess. Thank you, MsXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX 2024, I wired {$20000.00} to an account in XXXX, XXXX. There was some confusion with the account being international and the transfer was remitted in local XXXX dollars. The Bank of New York Mellon was the intermediary bank. The money was wired through my personal bank XXXX. The bank of New York Mellon took {$720.00} because the money had to be returned to me. As a military member I have never experienced such blatant robbery. There was any drastic change in the foreign exchange rate between USD and XXXX dollars. 
The Bank of New York Mellon took my money without any explanation.
Product: Debt collection

On XXXX 2017, Midland Funding LLC through their attorneys XXXX served small claims papers at my home regarding a 14 year old credit one credit card debt. The papers were not in an envelope and were given to a neighbor who was watching my new puppy as I was at a work function. The server was notified I was not home and he was not my spouse.The server than informed him that they just were legal papers to sue me in court for not paying my bills!