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

Dear Sir/Madam, On XX/XX/2018, I deposited a check number XXXX drawn on XXXX XXXX XXXX XXXX valuing {$4000.00} in my Chase checking account number ending in XXXX. I used Chase Bank ATM located at XXXX XXXX XXXX, XXXX NY. The check was accepted and I was informed that the funds will be available in my account on XX/XX/2018. I reside in XXXX, XXXX and had a scheduled flight from NY to XXXX. I returned to XXXX on XX/XX/2018. Later, I found that the check was not accepted due to ATM/deposit Error. In an effort to resolve the issue, I contacted Chase Bank via phone multiple times. The call center representatives came up with contradictory information every time. The details of my telephonic correspondence with chase is presented in an attached table. 

Finally, I traveled to New York on XX/XX/2018 to resolve this problem. I visited Chase Bank branch in the XXXX and personally met a banker on XX/XX/2018 to get a clearer picture. Even the banker in the branch was unable to help me and was astonished that they are unable to trace the original check. They suggested sending a copy of the check to the address of the party who wrote the check ( address was printed on the check ). I was informed that I shall have to wait 8-days for the check to be delivered to that address in NY. According to the banker, I must have received the copy of the check and updates about the problem much earlier. But even after the passage of around 3-weeks, the fate of this transaction in unknown. 

This ATM error and further mismanagement due to false and contradictory information presented by Chase Bank call centers has caused me a lot of mental and financial distress. I had to put my payments on hold resulting in accrued late payment fines from the creditors as well as loss of trust. It will also negatively impact my credit score. I had to travel to NY at the recommendation of the Chase Call Center representatives and the banker in the Chase Branch. And I am adding to my costs by staying in NY and waiting to receive updates from Chase. I request that either the check be returned to me promptly, or the amount be deposited in my account immediately. Further, I demand Chase Bank to compensate me for the financial and mental distress caused by their mishandling of the transaction as well as reimburse me for my stay in NY and travel between New York and XXXX. 

Thank you for your kind considerations.
Product: Credit reporting

I am a victim of identity theft and have been a victim of identity theft for over 15 years. The following account and credit inquiries are unauthorized, fraudulent and is the result of identity theft : XXXXXXXX, 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. I filed a police report with the XXXX XXXX Police Department in regards to the above accounts. The police report case number is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this resolved for some time now. I did file a previous compliant and what XXXX sent back contradicts information I have and have attached. 

They indicated the account was sent to an outside collection agency which supposedly was paid and then they received the money. Their correspondence stated the account was charged off XX/XX/XXXX and was sent to an outside collection agency for {$2800.00} which brought the account to XXXX. It indicates the account was paid in full on XX/XX/XXXX after they received the payment from the collection agency for {$2800.00} which brought the account to XXXX. 

1st I paid it directly to XXXX please see the attached email from XXXX XXXX. It was paid to them XX/XX/XXXX 2nd If the had charged off the account in XX/XX/XXXX and sent it to a collection agency then it would have been the collection agency 's account and they would have been reporting the account 3rd I  asked for a payment history not a typed letter from the company that they can put whatever dates they feel are accurate without proof. 

4th They put a link to get a copy of a generic agreement that does n't have my signature on it. There were 2 types of contacts and without providing the copy that I signed this would indicate they do n't have record of it.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction and disappointment with how your bureau has handled my identity theft complaints. The issue involves not only the theft of my personal information but also the indifferent attitude your bureau has shown in addressing my case. 

I submitted all required documentation, including the FTC report from the Federal Trade Commission, to demonstrate my innocence and the criminal nature of the actions taken against me. Despite the seriousness of the situation and the significant impact it has had on my life, your bureau 's response has been alarmingly insufficient. I have received very little communication about the status of my disputes, and the responses I have gotten have been generic and unhelpful. This lack of attention and urgency has left me feeling neglected and abandoned by the institution I trusted to safeguard my credit and financial well-being. 

I implore your bureau to take my identity theft case seriously and expedite the investigation process. I request that you thoroughly review the evidence I have provided and promptly remove the fraudulent account and transactions from my credit report. Additionally, I ask that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On a date in XXXX ( unknown because my online access was closed ) a XXXX XXXX XXXX XXXX was taken out on my account with out my permission or knowledge. Wells Fargo is threatening to " end the relationship '' by closing my account and sticking me with the amount. I have been unable to successfully avert the impending tragedy that is scheduled for XX/XX/2024 - the " Ending of the Relationship. '' I was told that there is a LESS THAN 1 % chance of having that decision overturned. 
Wells Fargo is slow to help and has multiple divisions to address multiple types of fraud - this is extremely confusing and frustrating to me as a consumer.
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 U.S.C 1681. 
Trans union, XXXX, XXXX XXXX XXXX XXXX : Acc # XXXXXXXX XXXX XXXX, XXXX : Acc # XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX  : XX/XX/XXXX XXXXXXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my writing instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer report containing any of the following items of information any other adverse item of information other then records of convictions of crimes which antedate the report by more then seven years.

15 U.S.C 1681 s-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 card or prepaid card

I FILED A DISPUTE WITH CAPITALONE ON OR AROUND XX/XX/XXXX FOR THE DOLLAR AMOUNT OF {$600.00}, A DISPUTE OVER A DANGEROUS USELESS ITEM PURCHASED ONLINE THAT CAN NOT BE USED AT ALL, NOT WHAT WAS ORDERED FROM THE COMPANY NOR WHAT WAS ADVERTISED BY THE AUTO COMPANY. IF THE ITEM IS USED IT WOULD CAUSE A SERIOUS DANGEROUS HAZARD ON THE ROAD, BECAUSE OF THE POSSIBLITY OF THE ITEM COMING OFF AT A SPEED OF 40 MPH OR FASTER, WHICH MAY CAUSE SERIOUS ACCIDENTS AND/OR DEATH TO OTHERS. THIS ITEM HAS NEVER BEEN INSTALLED ON THE VEHICLE AND CAN NOT BE INSTALLED BECAUSE OF THE DAMAGE. CAPITAL ONE REFUNDED THE CHARGE UNDER THE DISPUTE POLICY, HOWEVER ON XX/XX/XXXX PLACED THE CHARGE BACK ON MY CREDIT CARD, DESPITE THE FACT THAT IN ITS OWN CONTRACT WITH THE CREDIT COMPANY, I HAVE EVERY RIGHT NOT TO BE CHARGED FOR THE USELESS ITEM, WHICH WOULD CAUSE A ROAD HAZARD. I ATTEMPTED TO RESOLVE THE PROBLEM WITH THE AUTO COMPANY, HOWEVER TO NO AVAIL. ON OR AROUND XX/XX/XXXX, I PAID IN FULL, IN ADVANCE, AND WAS CHARGED {$600.00} FOR AN ITEM FOR A VEHICLE PART THAT WAS PURCHASED ONLINE FROM XXXX XXXX XXXX LOCATED AT XXXX XXXX XXXX XXXX, XXXX, IL. THE COMPANY CHARGED MY CREDIT CARD IN FULL {$600.00}, BUT REFUSED TO SEND THE ITEM. WHEN I CONTACTED THE AUTO COMPANY, THEY MADE ME WAIT WEEKS TO RECEIVE THE ITEM AND SHIPPED THE ITEM DAMAGED TO ME. I HAD TO REFUSE THE ITEM AND HAVE IT SENT BACK, HOWEVER THE COMPANY KEPT MY MONEY. I HAD TO REQUEST THAT AN ITEM THAT IS NOT DAMAGED BE SHIPPED TO ME. AGAIN WEEKS WENT BY AND THE COMPANY SHIPPED OUT ANOTHER ITEM THAT WAS DAMAGED AND HAD THE DAMAGED CONCEALED UNDER SHIPPING PAPER TO HIDE THE DAMAGE. UPON FURTHER EXAMINATION OF THE ITEM, I CONTACTED THE COMPANY ABOUT THE DAMAGED ITEM, THE COMPANY CALLED ME A RACIAL SLUR " XXXX  '', " XXXX  '' AND A " XXXX '', SAID " XXXX XXXX '' AND LAUGHED THEN REFUSED TO SPEAK TO ME, KEPT HANGING UP ON ME, REFUSED TO TAKE ANY OF MY CALLS AND REFUSED TO REFUND MY MONEY OR EVEN SHIP OUT AN ITEM THAT IS NOT DAMAGED AND PICK UP THE DAMAGED ITEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report. Thank you. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

For the past year, since XX/XX/XXXX, I've tried several attempts to call and get any information I can about this debt. I have talked to them twice. Once to let them know the vehicle was totaled, second time to call and resolve the debt. They said they would give information to my insurance company and my insurance company can let me know what is left to be owed. My insurance said that is not their job that they have no idea of the amount we owed left on the loan they could only tell us what the value of damage what and what the vehicle was worth. I've sent several emails, didn't get a response. I've made multiple phone calls which lead to being told, I didn't have an account with them, couldn't find my account, account was closed and due to being closed I couldn't make a payment. In XX/XX/XXXX I emailed and attempted to call to settle the debt in full and no luck. They have it on our credit report that it was settled in bankruptcy. We were discharged from bankruptcy in XXXX XXXX. We got our truck loan in XX/XX/XXXX so there is no way it could have been included in bankruptcy. Our credit lawyer brought this to their attention by disputing it and after 30 days we got no change or update in verification. We have never received any papers from them in the mail. Our insurance company has sent us all the paperwork and copies from them. Now they are taking us to court for refusal of payment, when they have refused our payment, refused our phone calls and emails to get information and the total debt owned to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for a credit monitoring with XXXX  on XX/XX/18 at XXXX XXXX  CST. Tried to call at XXXX XXXX  CST to cancel the phone ringed then it stated I was next in line at XXXX XXXX CST the phone hung up and I called back to cancel the free trial and I was told by the automated system that they were closed. Reaching out to you because I do not want to be charged {$39.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded in my XXXX XXXX XXXX on XX/XX/2020, Financed through Capital One to the XXXX dealer, XXXX XXXX in XXXX Florida financed through XXXX a XXXX XXXX XXXX. I immediately called Capital One and got the payoff amount and told them I traded in the Vehicle I was outsourced to the XXXX. I made several calls during this period of time so did the dealer. A check was cut by the dealer on XX/XX/2020, for {$33000.00} an overage of the payoff of {$150.00} which capital one is refunding me. Because of the CORONA Virus pandemic, all of the non-essential business in XXXX Florida was closed down on Friday, XX/XX/2020. The dealer had sent the check XXXX XXXX to Californa Payoff address for capital one it was received and signed for XX/XX/2020, at XXXX XXXX  by XXXX. I also sent a letter by regular mail to capital one to make sure they had copies of the check as well and phone calls from me and the dealer. Now Please be aware we are are all quarantined at this time, my mother is XXXX and in Wisconsin XXXX  with the XXXX  I am in Florida unable to travel. This horrific company is giving me the run around with people telling me I have to make payments on a vehicle that was traded in and paid off!. I WAS NEVER LATE ON A PAYMENT FOR 18 MONTHS at 16 % interest. OnXX/XX/2020 Capital one reported me to all 3 credit Bureaus as being late payment with 0 delinquency because I owe no money The assistant to the President called to tell me the payoff even if it was the over amount was 4 days late during a PANDEMIC I have her name and number. They are deliberately trying to ruin my credit. I have submitted documents I have a letter from the dealer and an official statement from the city of XXXX for the closure, They need to be held accountable! I am a good customer my credit is important based on this report my score dropped 22 points again I traded in my car on the XXXX it was paid off in total on the XXXX during a pandemic. This was unacceptable. I am sure I am not the only consumer they are ruining credit on honestly they have a terrible attitude toward the consumer. I am going to report them to the XXXX XXXX XXXX and Florida Attorney general as well I know this seems extreme But it is morally wrong I do not owe these people any money I was not late and they owe me money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need some help this is my 4th time reaching out, I did an investigation on my credit report which caused me to develop XXXX and XXXX upon finding out that unverified, invalid, and inaccurate information is on my report. I want my report to 100 % right. 

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX of XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXXXXXX. 


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 an account without my written instructions Thank you very much for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB THIS IS NOT A DUPLICATE : I, XXXX XXXX, federally protected consumer, dated on XX/XX/2022 am demanding XXXX XXXX XXXX XXXX to Cease And Desist Pursuant to 15 U.S. Code 1692c ( c ). 

NOTICE : If XXXX XXXX XXXX XXXX fails to comply with this Cease And Desist Order receipt of notice will be in violation of federal law for violating an Federally protected Consumer pursuant to 18 U.S. Code 894 ( a ) ( 1 ) ( 2 ) ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. All legal actions with all Federal Agencies will be taken immediately without further ado and XXXX XXXX XXXX XXXX will be held accountable for any violation ( s ) and penalties and fines will mandatory be applied and this Cease And Desist Order shall not be construed for any reason whatsoever! With prejudice! Best regards!
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 XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX : Acct # 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 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 XXXX 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

I am writing concerning my credit report, which contains inaccuracies requiring your attention. Specifically, I dispute this account : XXXX XXXX XXXX The company has been made aware of the issue and has agreed to update the status to closed/never late. The basis for my dispute is the lack of sufficient information provided by your agency to verify the debt in question. Both XXXX and XXXX, other credit bureaus, have already rectified the inaccuracies in this account from their records due to identified errors. I am perplexed as to how your agency has verified this account while the other bureaus have updated it. Therefore, I request that you correct this account in my credit file as they are inaccurate, erroneous, incomplete, or unverifiable.
Product: Debt collection

I visited XXXX Hospital as a result of a XXXX accident on XXXX/XXXX/16. I indicated on my admission papers that my visit was a result of a XXXX accident. I received a bill dated XXXX/XXXX/16 from XXXX Hospital indicating that I owed {$40.00}. I spoke with a manger XXXX on XXXX who assured that the claim would be processed through no-fault. I also corrected my address which had also been done at the time of my hospital visit. He denied my request to memorizlie our conversation in writing. 

I then received a collection notice from Computer Credit , Inc. dated XXXX/XXXX/16. I called and spoke to XXXX on XXXX/XXXX/16. She advised that there was a note indicating my XXXX/XXXX/16 call but it did not indicate the nature of the call. She assured that this time the payment from my private insurance would be reversed and put through no-fault, but she too advised she could not put anything in writing. However, at my request she advised a manager would call me back within the week. I never received a call. 

I then got another collection notice from Computer Credit , Inc. dated XXXX/XXXX/16 claiming I still owe this debt. 

I sent a formal letter memorializing this entire process dated XXXX XXXX, 2016 with attachments, which was copied to this office.
Product: Credit card

I made a fraud claim when my phone and debit card got stolen and I noticed that my account was losing money. When I reported this I told the person that there was transaction from XXXX eats and that I didnt make those transactions. When I reported Bank of America they sent me proof that I made the transaction and they sent over an automatic payments that were in my account way before my phone and card got stolen. I made the claim that it was XXXX  XXXX/ XXXX XXXX  transitions only and they sent over XXXX paper workers of my XXXX weeks auto groceries that get taken from my account automatically stating that that was the proof but those transactions were before my phone and debit card got stolen. Another thing to add that they did a false investigation is that the XXXX papers that the sent me do not add up to {$8800.00}. Bank of America is trying pin the blame on me when I have not fault in my money being stolen and they are lying to not give me back my money. I need them to give me my money back that got stolen if my next course of action will be to sue them for false investigation. Also bank XXXX XXXX policy is that is a card or phone/ information gets stolen the client is not held responsible and they get their money back. 
Again my debit card and my phone got stolen and they are still refusing to give me back my money. They are causing me a lot of XXXX  over this because its a lot of money. I going through a lot of XXXX  XXXX  for these couple of months because they are lying in order to not give me back my money.
Product: Student loan

I was made false promises by the XXXX  XXXX XXXX, was never able to advance my career with degree I received, and the university was found guilty of defrauding students like me. 

The university made all the arrangements for my loans to pay for school, and after I graduated I ended having to defer my loans for several years because I could not make the payments. 

My federal loans were arranged through Navient, and Navient sent me advertisements to consolidate my loans under the pretense that it would save me money and reduce my payments. 

Shortly after I agreed to the consolidation, I found out that the over $ XXXX in loans from XXXX  XXXX XXXX were eligible for forgiveness because the school had been found guilty of fraud. 

When I applied for the debt to be discharged, I was told that I was not eligible because the solicited consolidation from Navient had changed the status of my loan from federal to private. 

I do not believe that this was a coincidence. I feel it was a predatory lending practice done to disqualify me from debt forgiveness. 

I was never directly informed that my loans would no longer be federal loans and that I would no longer be eligible for the protections associated with them.