23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notfy consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a comsumer.
Product: Mortgage

My wife lost her job about 5 years ago now. We currently find ourselves trying to re-negotiate our loan, but because New York Community Bank issued this mortgage through XXXX which has very strict guidelines which prohibit us from reducing our loan payments via modification.
Product: Payday loan, title loan, or personal loan

I was a client at Bank of the West. I relocated from XXXX to XXXX XXXX in XXXX, XXXX. On XX/XX/XXXX, I was levied a {$10.00} service charge for no deposit to my account. When I sold my house, I had the proceeds wired into my account. On XX/XX/XXXX, I was charged a {$15.00} fee for the wire transfer. I closed all accounts in mid-XXXX, XXXX and asked a check be mailed to me of all remaining funds in my accounts ( {$1100.00} ). On XXXX, the bank made a charge of {$62.00} to the closed line of credit account AFTER I had paid it off! The cashier 's check I received was for {$1100.00} and had been mailed on XXXX. On my XXXX, XXXX statement, it showed my accounts being overdrawn in the amount of {$0.00}! With this I was threatened with being turned into collections. The issue was finally cleared up by the bank branch manager by the XXXX, XXXX statement. On XX/XX/XXXX, I received a bank statement that shows on XX/XX/XXXX, I was charged an annual fee of {$25.00} for from XXXX, XXXX on the line of credit that was paid off and closed in XXXX, XXXX! This bank is charge crazy and will find any reason to demand money that is NOT deserved from the clients.
Product: Credit card

From : XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX . 
XXXX, XXXX XXXX Email : XXXXXXXXXXXX Telephone # XXXX To : Chase Credit Card member Services XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : Chase Credit Card # XXXX On XXXX XXXX, 2016, I used convenient check # XXXX, issued by XXXX credit card, payable through XXXX XXXX to transfer a balance from Chase credit card # XXXX. I send check # XXXX, in the amount of {$6400.00} on XXXX XXXX, 2016 to Chase Card Services. Chase credit card tried to cash check # XXXX twice on XXXX XXXX, 2016 and XXXX XXXX, 2016. Check # XXXX, was returned to Chase Credit card uncashed for insufficient funds ( NSF ) reason. 

On XXXX XXXX, 2016, I had a conference call with XXXX credit card account manager and Chase credit card account manager, during the conference call, Chase credit card account manager confirmed to XXXX credit card account manager that check # XXXX was returned twice uncashed due to NSF. XXXX credit card account manager told me that he will open a special internal case about this check. 

On XXXX XXXX, 2016, I called Chase, spoke with an account manager from the payment department, she stated that they tried to cash check # XXXX once, it was returned on XXXX/XXXX/2016 for NSF. 

On XXXX XXXX, 2016, I received a letter from Chase stating that check # XXXX was never cashed. See attached. 

On XXXX XXXX, 2016, I received a letter from XXXX credit card stating that check # XXXX was cashed by Chase card services on XXXX XXXX, 2016. I called Chase credit card around 11 times and they assured me that the check was never cashed. See attached cleared check and confirmation from the FEDERAL RESERVE SYSTEM. 

I am writing to you to investigate the matter, since I have been going back and forth between XXXX and Chase credits cards since XXXX XXXX, 2016, without any positive results. All I am asking for is to get a credit from Chase for {$6400.00}, since check # XXXX was cashed by Chase on XXXX XXXX, 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/ and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Product: Debt collection

XX/XX/XXXX-XX/XX/XXXX I was a victim of identity theft. The person at the time worked for me in my house. They passed away XX/XX/XXXX and I started receiving calls for accounts that I had never opened. I filed an ID theft affidavit with the FTC and a police report. Most of the collectors ceased collection attempts after notification. Professional Credit Service ( PCS ) has continually harassed me about this debt since XX/XX/XXXX even after they have been provided the ID theft affidavit and the police report. Now they have sent me a letter stating they are going to sue me because I have not responded. I am attaching XXXX XXXX showing that I responded XX/XX/XXXX and XX/XX/XXXX. I also filed the reports with the credit bureaus XX/XX/XXXX and had to have security freezes put on my reports. I do n't understand why they are still harassing me on a debt that is not mine.
Product: Credit card

Dear CFPB, I am writing to provide further information regarding my ongoing dispute with Wells Fargo Bank. I recently contacted them again, engaging in a 50-minute conversation. During this call, they indicated that they have initiated the processing of four disputed transactions, for which they provided claim IDs : XXXX XXXX XXXX XXXX XXXX XXXX While this might seem like progress, a significant concern remains. Upon inquiring about whether I would be required to make payments for these pending claims next month, Wells Fargo 's response was far from satisfactory. Instead of providing a clear answer, they transferred me to multiple departments, leaving me without a resolution. Eventually, I was informed that these claims are still pending due to missing documentation. 

It's important to emphasize that I have diligently followed Wells Fargo 's process, reporting each claim over the phone and furnishing all the requested information based on their inquiries. Despite my cooperation, they continue to delay and avoid processing the claims. Their assertion that I haven't provided the necessary information is baffling, given that I possess the claim IDs as evidence. This situation is indicative of the bank 's intention to procrastinate, allowing these claims to linger indefinitely. 

It is evident that Wells Fargo 's actions are not aligned with their commitment to resolving disputes promptly and transparently. The bank 's inability to address these claims raises concerns about their practices and their dedication to customer service. The potential for them to profit from unresolved claims, especially considering that they possess the necessary information, is both disheartening and unjust. 

In light of this situation, I implore the relevant authorities to intervene and oversee the activities of Wells Fargo. Their behavior calls for a thorough investigation and appropriate measures to ensure that the bank adheres to ethical practices and treats its customers with the respect they deserve. 

I appreciate your attention to this matter and your role in safeguarding the rights of consumers. 

Sincerely, XXXX
Product: Credit card

I opened a Capital One Credit Card Account in XXXX of XXXX. I have a letter indicating that my 0 % APR was effective on purchases and balance transfers until XXXX of XXXX. This isn't the first time I've accepted an offer of this type and I'm typically very careful to insure that I pay the balance in full prior to the end of the promotional period. I believe I even called Capital One to verify when I needed to pay my balance to avoid any interest charges and was told to pay by my XXXX due date ( which was XX/XX/XXXX ). I scheduled a payment through Capital One 's online payment portal for the full balance to be paid on XX/XX/XXXX, and then just yesterday found {$370.00} of interest charges appearing on my XXXX statement. I called Capital One today XXXX, and asked for an explanation of those charges and for them to be waived. The customer service representative indicated the system wouldn't allow her to do it, so I asked to speak with a supervisor. The supervisor advised me that the promotional period expired on XXXX and that the balance was to be paid by then versus the XX/XX/XXXX due date on my statement. There is no documentation of XXXX being the end date of my promotional agreement anywhere that I have been able to find. I feel these excessive charges are unwarranted and that this shows an extreme lack of transparency from the credit card company on promotional deals of this type. The supervisor indicated she was unable to waive the charge as well, and that all she could do would be to issue a complaint on my behalf, which didn't sound to me like it would go anywhere and is not an adequate response to this issue. I feel that I was misled by the company on the end date of the promotional period, and should be refunded these charges in full. I don't wish to continue to do business with companies like this who intentionally mislead their customers in order to collect interest charges on enticing interest rate promotions to new customers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is the company I went to the company back in XXXX of XXXX took my police report sent in my driver 's license and social security card signed papers with my signature got documents notarized and took all the proper documents back to the company its been 3 months and no action has been taken from this company about this fraudulent account the amount {$3300.00} this account has been opened on my credit report since XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my local credit union on XX/XX/XXXX to inquire about getting an auto loan. I was told that Im limited to a certain credit limit because Im considered a first time auto buyer. I responded that such information is not correct as I already paid off my first car loan with Santander Consumer USA. She claimed that such information isnt reflected on my credit report. I contacted Santander that very same day and was told that the report should be sent and updated in 3 business days. I also contacted XXXX the same day alerting them of the mistake and was told to allow Santander 3 days as claimed to submit the report. On XXXX XXXX XXXX I followed up again with XXXX and was told by XXXX that they havent received anything. She also advised that I should contact CFPB for assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a Chase Amazon credit card a while back through an advertised promotion on XXXX 's ordering page to get the store/statement credit. When I did this, XXXX ( unknowingly to me at the time ) took it upon themselves to automatically update the new Chase Amazon card as my primary payment method. When I later made another XXXX order with the automatic slide to order, I did not see the payment method and expected it to default to my previous payment method, which should have been my primary payment method with XXXX all along. Because of this, there was an additional charge posted to the Chase account after the balance had been paid. In my mind, the Chase card was zero balance and not currently being used by me. What is even more unfortunate is that Chase never contacted me when my account went late due to a payment not being made or being on auto-pay. Thus, an additional 30 days went by, and this was unnoticed by me until I was hit with a sub-sequential 30-day late payment on the account on my credit report. I called Chase a while back to explain this and it was very hard to get through to anybody who actually genuinely understood the situation. I was never given a thorough method of resolving this issue.
Product: Debt collection

On the XXXX of XXXX, I became aware of a modification in my legal name as reflected on my credit report across all three significant credit bureaus, namely XXXX, XXXX XXXX, and XXXX. I possess no prior familiarity with these collections that have surfaced. The outstanding amount was recorded as {$520.00}. Consequently, I promptly called and composed a letter addressed to both XXXX and the collection agency, seeking clarification and resolution.
Product: Mortgage

On XXXX XXXX, XXXX, I mailed a qualified written request to Nationstar requesting certain information and documents. Specifically, I requested : the identity of the owner of my loan ; any language in the applicable servicing agreement or investor guidelines that would restrict a loan modification ; an itemization of costs, fees and expenses charged to my account since I defaulted ; a description of Nationstar 's efforts to establish live contact with me within 36 days of my delinquency to inform me about loss mitigation options ; a copy of the notice Nationstar sent me as required by XXXX CFR XXXX ( b ) ; and a copy of the loss mitigation application I submitted to Nationstar on or about XXXX XXXX, XXXX, as well as Nationstar 's written responses to that application. That qualified written request was delivered to Nationstar on XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, Nationstar mailed a purported response to my qualified written request. In this letter, Nationstar claimed that it would enclose the following documents : the note and security instrument ; the payment history ; the most recent billing statement ; the notice of servicing transfer ; the most recent escrow analysis statement ; and the payoff quote. I never requested these documents. Nor did Nationstar provide any of the documents or information I requested in my qualified written request.
Product: Debt collection

I have balances with XXXX XXXX XXXX and it was turned over to ameri collect collection agency. The agency has listed each account individually on my and my husbands credit report. We have total Balance of {$15000.00} from dates XX/XX/XXXX to XX/XX/XXXX. That is owed to both XXXX hospital and XXXX XXXX. I Have disputed the amount of accounts listed on my credit report as many companies have advised me that this does not seem ethical to have 132 medical accounts listed individually. These accounts range from {$11.00} to {$240.00}. I can understand putting the collection balances on my credit report but not listing it 132 times each individually. I have contacted Americollect multiple times to ask them to combine the balances into 1 or 2 balances they have responded that they will not remove the multiple listed accounts, they also advised that if I paid the balance to {$0.00} they will still be listed individually. My credit report is 30 pages long due to 132 medical accounts listed individually. This should not be legal, it is legal to add collections to someone credit report but not list it individually like that. I have had so many people tell me that this is not legal or ethical.
Product: Mortgage

I reached out to NewDay USA Mortgage company after seeing advertisements on TV stating that they can help Veterans, even if they have late payments in which the veteran would have a stronger probability of getting approved. 

Upon contact, I started working with a XXXX XXXX, a mortgage loan officer. His contact information is below. XXXX stated that he has helped many people in my situation and felt confident that he can get my loan done. After an application was taken, I had troubles reaching out to XXXX. I then got a call within 4 days stating that the underwriter needed a bit more information. I was able to provide that information, and XXXX and behold, XXXX no longer communicates with me. I felt that I was mislead starting from start to finish ; from commercial to the application process. I would like to work with another loan officer instead of XXXX and I feel that he has done a disservice to me as a veteran of this country. 


XXXX XXXXXXXX Company XXXX XXXX Tel : XXXX Fax : XXXX Cell : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2022, I was offered a credit card by the credit company called XXXX XXXX XXXX XXXX.Address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX IL XXXX. 
for credit limit of $ XXXX i took the offer and they said they were going to send me the card within a week or two, so i was waiting for the card to arrive but it never came to my address, So i called them and said that the card did not arrive, they told me to give it another week so i waited for the next week, but the card never came along, so i called them again, now they said they will send me another card so i waited for another card to arrive, but same thing happened again that the card never came to me, so i called them again, and they told me to wait, and to my surprise i got an email saying that my card was activated and have been used for the amount around {$1400.00}. 
So i called them and said i never got the card and i got an email saying that the card was used, then they started transferring from one call to another, I spoke with 2 different agent at the same time, one with the XXXX XXXX and another with XXXX, So finally they said we will investigate the matter, month past nothing came from them, i called them again and again but they keeps on transferring from call to call but no one is helping me. 
they reported me to the 3 credit bureaus and from there my credit score started falling badly. Now instead of investigating the matter they charge interest and started to send me monthly statement via email, I spoke with many customer support but they never helped me, they keep on pushing me in between two departments which is XXXX and XXXX. i am being treated like a soccer ball. 
i have also made complaint to XXXX XXXX XXXX  on XX/XX/2022 with the complaint # XXXX and got respond from the XXXX  informing me that the card company never responded. 
Yesterday XX/XX/2022 i called the company and asked for all the documents about the investigation made by them so that i could go to the new york police department to file a report but they did not accepted my request and never send anything to me. 
Due to this reason, i am having XXXX and XXXX XXXX and i lost a lots of points in my credit score.

i am requesting Federal trade commission to look into this matter. 
Thank you Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

Instructions 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 more than seven years.

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 person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681s-2 ( A1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the
Product: Checking or savings account

I've a Chime account for several years. In XX/XX/XXXX  Chime closed my account without warning. I've called several times for an explanation, no one can tell me why. Been hung up on multiple times. Its been 6 weeks and I still have not received a check for the balance of my account, about {$1600.00}. Everytime i call I'm told to wait 30 days. It's been well over 30 days. I was told, again, yesterday, XX/XX/, to wait another 30 days. My then wife set this account up just for my personal use. When we divorced, Chime would not let me change to my email address and would not let me change to my cell number, even though it was in my name and they COULD verify my identity. Bottom line, Chime closed account without warning AND they still have my money some 6 weeks later. Chime is terrible and from what I've read online, they have done this over and over to MANY people, keeping their money. If you call Cime, you get no explanation and hung up on with no resolution
Product: Credit card

I tried to use my rewards points on Chase 's website to book travel. The website did not work -- it continued to say that there was an error on the page, even though no error existed. I called Chase XXXX separate times. Each time, I was placed on a long wait and transferred to a " supervisor '' who never answered the phone. The Chase employee with whom I did speak said that the website bug is a known issue and " happens. '' I am unable to redeem my points because the website is broken, and no one assists me on the phone. I speak with one Chase employee who then ostensibly transfers me to someone else, but that person never answers the phone, and I remain on hold.