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

On XX/XX/XXXX I deposit a check endorse on my name for the value of XXXX. The person that endorse the check on my name was my best friend the owner of the check. Chase put on hold the money and said that the funds will be available on XX/XX/XXXX. On XX/XX/XXXX they send me an email letting me know that my account was restricted because of potential fraud that I should call them to answer some question. I call them that same day, the problem was that they can not verify my best friend identity and ask me for her phone number I provide them with the phone number, they said that the phone number didnt match with what they have on file that they need it to updated. I call my friend and explain all the situation, she talk to XXXX XXXX XXXX thats the owner of the line they said the number is already on her name and they didnt understand what else they can do, because in all their systems she is the owner of the line and their systems are updated. She also call her bank to put everything in order and check her phone number her bank told her everything was in order too and there was nothing they could do against chase. I call chase again to explain that the line was already on her name in all the systems, I also gave them more options to verify it was her, I offer to go with her to the chase bank and she could show them her passport, driver license and SSN. i also ask them if they can try to just call that number and theyll see is her, I also let them know that we could send them to their email all this documentation, I also ask them if they could call her bank and verify it was her. they denied all of this and said that the only way was to wait for the system to be updated. I keep calling them during that week we talk in the phone around 3 more times that same week. With any other solution. I spoke with two supervisors none of them gave me any solution. They also mention that I should wait for the system to update, we waited more than 2 week. Between all this I call the county to see if they can do something about it they said maybe getting a bill or a letter that shows that my friend is the owner of the line and that might work, we did that. I call them again on XX/XX/XXXX, offer them the bill that has her name and her number verifying that is her. They said it wouldnt work either and the only solution left was to fill a federal complain against them. I try every solution even go to the bank but chase denied all of this. They also made clear that my account is gon na be closed.
Product: Checking or savings account

I received the attached letter from Chase that says " to protect against potential fraud, we restricted your account and XXXX close it soon. '' I don't understand why Chase can not verify that I am me, and why their staff either don't follow SOPs, their SOPs are flawed, and/or both. 

Spoke with XXXX, a customer service agent, on XX/XX/2023. 

XXXX was nonresponsive when I asked what date the account was closed. 


She said the account was closed. 

XXXX put me on with XXXX, an Account Supervisor, who could also not help me.
Product: Debt collection

On XX/XX/XXXX I received my monthly credit score from XXXX XXXX but didn't check it until XX/XX/XXXX. It said my credit score had gone down over XXXX points. There was an indication that I had a new negative mark from a company named XXXX XXXX. I called XXXX XXXX, which was a company I never heard of and hadn't done business with. They informed me they bought the debt from a lender called Affirm, which is not a company I've ever done business with or received any communication from. XXXX XXXX said I had two choices to either dispute the debt or inquire about Affirm, but I couldn't do both, so I disputed the debt and called Affirm myself. I also learned that Affirm issued the loan under my account without ever having my full name. They awarded the loan under XXXX XXXX by in XXXX. 

When I called Affirm, the rep couldn't find me in her system, because they never had my full name, only my first initial and last name. She told me she could easily tell that someone fraudulently created the account, and she submitted a report on the account. Following that, I also submitted a dispute with XXXX, XXXX, and XXXX. XXXX made no effort and responded back within XXXXwo days that the debt was mine, when it isn't. XXXX and XXXX are still processing my dispute. To reiterate, all of my debts are paid on time, and more than the minimum balance is paid. I never applied for a loan or any other financial request through Affirm. I didn't even know that they existed, and I've never been contacted by them regarding any debt or money.
Product: Credit reporting or other personal consumer reports

Im unable to file a dispute with Transunion either online or by telephone. When I have tried to file a dispute online, the system will not allow it. I get a message that I have to wait until a previous dispute is resolved ; however, I have no open disputes.

When i call, the system hangs up on me instead of sending me to a customer service rep. The system states that I can file online and " Thank you for calling Transunion. Have a nice day '' and hangs up.

I have tried the option to continue the call by text message. I select the type of phone that I have per instruction. The system states, " it seems you are having a problem. I'll connect you to someone who can help. '' The system then hangs up. 

Im entitled to dispute incorrect i formation on my report and transunion will not allow it.
Product: Mortgage

I changed my insurance on XXXX XXXX. They failed to recompute the escrow in a timely fashion. They also paid both insurance companies. I sent both the principle and interest and the money they told me I needed to replenish escrow. They made several other errors/slow calculations/mishandling of escrow funds that took over month to straighten out. Even though I had sent them more than enough money to cover my principle/interest and escrow, the reported me to the credit reporting agencies as having a late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and saw 1 hard inquiry by XXXX XXXX that was not mine. please have this removed immediately
Product: Debt collection

On XX/XX/2020, [ ATG CREDIT LLC add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold to a third party collection agency Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA MERCHANTS CREDIT GUIDE has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, 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. 
XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account account # XXXX, has violated my rights.

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 5 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 or other personal consumer reports

On XX/XX/year> I submitted a complaint through the CFPB ( case # XXXX ) to investigate what I opine to be multiple errors and incorrect reporting by Experian with my credit file. I provided the required information to conduct the investigation. 

Given the recent lawsuit brought about by the CFPB against Experian claiming they do not properly investigate disputes and fails to remove or reinserts errors on reports I am requesting a reinvestigation into my original complaint. Given these recent events, I have little to no confidence that Experian followed the letter of the law afforded consumers under the provisions of the FCRA. I demand that Experian provide me with evidence gathered in respect to my complaint listed above or immediately make the appropriate changes on my credit profile.
Product: Checking or savings account

I disputed a claim against an online company for an apparent fraudulent practice that totaled an approximate amount of {$54.00} that was debited from my account. I reported the action on XX/XX/year>. 

The bank credited my account but reversed the charge this month. I tried several times to locate this online company without success. I notified the bank yet still I have not been successful in getting the debit reversed. Can you please assist?
Product: Vehicle loan or lease

I contacted GM Financial back in XX/XX/2021 about the extension of my lease. Due to the pandemic, finding a vehicle was near impossible and waiting periods were anywhere from 6 months to a year, if not longer, to obtain a new vehicle. As this was the first lease I have ever taken I asked for all the details on how it works. I was ONLY told that I had to sign this agreement and it would allow me to extend my lease an additional 6 months. I signed and sent over the agreement on XX/XX/2021. I continued to make my payments over the next few months. I contacted them again a few months later as I was now considering buying out my lease and was informed of the residual balance. After I received the quote I asked why the balance had not gone down with the payments I had been making. They stated that the payments I was making were only to extened the lease and that the residual would remain the same. I read though all the documents and no where on them or on their website or in my lease agreement does it outline this detail. ( I have attached a copy of the lease extension for your reference ). 

I also did some seaching on my GM Financial online profile to see if I had somehow overlooked any lease extension documents. The only extension document I was able to find did not outline anywhere that the residual would remain the same. I have attached the list of documents on their website as well as a copy of the Payment Extensions Fact Sheet. 

Today, I called to obtain the payoff and for the process to buy out my lease. I was transferred multiple times and when I finally reached the correct department, I expressed my concern over the lack of detail regarding the residual and if there was any recourse. She informed me that there were 5 notices sent to me that outlined that the residual would remain the same and agreed to send me these notices via email. I advised that all my communciations from them were electronic and at no time did I receive the letter the representative was referencing. She then insisted that the documents were sent via regular mail and would not have been sent electronically as I had elected on my online profile. Once I was done speaking with her I asked to speak with someone to address my concerns. I waited nearly 20 minutes to be transferred and finally reached an individual to submit a formal complaint. My request was for GM to apply the funds I had paid over the past 6 months ( around {$2800.00} ) to my remaining balance ( residual balance ) as a way to rectify the issue. I had also advised her of the information the previous representative had told me, saying GM sent me 5 letters explaining the residual would remain the same. I was then informed that no such letters were ever sent. She advised that due to the XXXX XXXX and bookkeeping there was no way they could perform such a task but assured me she would escalate my complaint. I was on this call for over an hour ....
Product: Debt collection

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1989 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX XXXX/CAPIO XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1989 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with SHELL/CBNA. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called Citibank and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and SHELL/CBNA with no successful resolution. XXXX, XXXX, and XXXX  only reporting me 30 days late payments. There was an error on their part. I was never 30 days late.
Product: Mortgage

1.My mortgage company refuses to reimburse me for bank charges they caused by attempting to withdraw funds 3 days early. 
2. In the last 5 months I have received foreclosure notices because this mortgage company claims I was late or did n't pay, which is incorrect, I have always paid on time and have copies of there records and my bank records to prove I was always on time and they reported me to the credit bureaus as being 30 days delinquent for XXXX, XXXX, XXXX XXXX of XXXX and this company refuses to retract this error. 
3. I have bee billed for late charges in the past 5 months to the tune of XXXX. All of which are not valid. 
4. Between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX they failed to post my monthly mortgage payment. 
5. I have written to this company with these complaints and theey refuse to change there position. 
6. They have increased my monthly mortgage payment by XXXX per year without an explanation. 
7. I sent them additional funds to cover an escrow shortage that were not posted.
Product: Credit reporting or other personal consumer reports

For years now am having problems with identity theft. I have summit disputes to the credit bureaus but got no help.with TRANSUNION I HAVE : 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 ) ALSO ON TRANSUNION I HAVE : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  ( XXXX ) XXXX XXXX : XXXX : XXXX : XXXX  XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  : XXXX XXXX  : XXXX XXXX XXXX ( XXXX ) XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX IS REPORTING ME LATE BUT UNDER THE FTCA NO LATE PAYMENTS SHOULD BE REPORTED undr sections 15USC 1666B
Product: Credit card

I opened a credit card with Bank of America that advertised a 0 % introductory APR. I was prompted to transfer a balance from other credit cards, so I transferred {$14000.00} from a XXXX credit card. However, I was not informed that there was a 3 % balance transfer fee associated with the balance transfer and was charged an additional {$420.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 b of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. This companies are in violation of this code 15 U.S. Code 1666b. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA.

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 
I have not supplied proof under the doctoring of the estoppel by silence.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt in fact exists Please delete this account immediately from all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the recent COVID 19, I applied for a payment deferral for the month of XXXX and XXXX due to my work hours being cut in half. The deferral will not granted until XX/XX/XXXX. I was advised by the Honda Financial personnel from American Honda Finance Corporation to file a complaint to remove the negative mark from my credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of the following unauthorized accounts and inquiries from my credit report. I have been a victim of a data breach, which resulted in fraudulent activities linked to my personal information. Under the provisions of 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ), I request that you block and delete the accounts and inquiries detailed below. 
Fraudulent Accounts to Block and Delete : XXXX XXXX XXXX XXXX Account No. : XXXX Opened : XXXX XXXX XXXX  Amount : {$14000.00} XXXX XXXX XXXX XXXX XXXX Account No. : XXXX Opened : XXXX XXXX XXXX Amount : {$11000.00} XXXX XXXX XXXX XXXX Account No. : XXXX Opened : XXXX XXXX XXXX Amount : {$500.00} Fraudulent Inquiries to Block and Delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They have not resolved the inaccuracy in the accounts. they keep giving me the run around when they know they are violating my rights as a consumer and a citizen of the united states of america.
Product: Credit reporting or other personal consumer reports

Called up Experian to correct my first and last name which have changed when I got XXXX. They were unable to provide a process by which I am able to submit documents online to correct the name on my report. XXXX was able to update my personal information after getting a scan of my passport ( for id proof ) and updated ssn card. Experian requires me to send sensitive documents over mail which I am unwilling to do. 

I did not provide experian any documents for them to open a file/account for me. They should have a mechanism to get updated information from the lenders who already have my updated information. 

I intend to start opening complaints on this issue with the cfpb more frequently until this issue is resolved.
Product: Mortgage

We are still waiting for the reimbursement of the two ( 2 ) {$30.00} fees and an {$18.00} fee which Freedom Mortgage charged on our loan, enriching themselves by charging us both on the statement account AND they also charged our escrow account when we recently refinanced our home at XXXX XXXX   XXXX XXXX XXXX, CA XXXX on XX/XX/2018. 

In other words, they charged three ( 3 ) SEPARATE {$30.00} FEES, TWO ON THE STATEMENT ACCOUNT AND A THIRD ON THE ESCROW ACCOUNT. They also charged two ( 2 ) separate Recording fees, once thru our escrow and another directly on our Freedom Mortgage statement. We will no longer be doing business with Freedom Mortgage and their double and triple billing only reinforced our decision to leave that company..

IN ADDITION, Freedom Mortgage charged a late fee of {$100.00}, WHY??? We were never late, how dare they take a {$100.00} fee for a non-existent late payment? AND they failed to notify our escrow company, XXXX that there was no late payment, therefore, no late fee of {$100.00} applied. They have billed the {$100.00} thru our escrow account and directly thru our Freedom statement also.

And finally, Freedom Mortgage charged us {$170.00} in ESCROW, WHY? We do not have an escrow account with them. And if they did take close to {$180.00} in ESCROW, where did they apply it exactly? They did not apply it to our XXXX County Property Tax Bill, so what did they with the {$170.00}, and why did they take it in the first place when we do not have an escrow account for us. We pay the taxes directly to the XXXX County Tax Collector on our own. 

In short, Freedom Mortgage charged three ( 3 ) separate {$30.00} fees thru escrow and directly thru their statement. Freedom Mortgage also charged two ( 2 ) {$18.00} fees, one thru escrow and another directly thru their statement. They also charged two ( 2 ) {$100.00} late fees, one thru our escrow company and a second late fee thru the statement. WE WERE NEVER LATE, and yet, they charged two ( 2 ) separate late fees of {$100.00} each. In addition, a {$17000.00} payment to ESCROW BALANCE was taken, they it is not owed.

Freedom Mortgage enriched themselves with {$510.00} of our money and we want it reimbursed.

This is unethical, bordering on criminal behavior on part of Freedom Mortgage.

Thank you. 

XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Citizens bank is reporting my loan XXXX days past due but my next payment due on their website is XXXX/XXXX/XXXX. My payments are current.