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

I was issued a refund check from my XXXX for the money that I was paying them to get my XXXX XXXX The XXXX  asked me to see a different dr. ( Long story ), So the company issued me a refund check. I deposited the check into my personal checking account. The money was then taken back out of my account by chase 2 days later. I called chase and asked them what happened, and they said they could not verify the check. So they closed my personal account down as well. I also have 3 other business accounts with chase, so that messed up all of my accounting as well. Anyways, I went into the chase branch and the Manger tried to help me and contacted the manager. The manger was abke to verify the check. However, chase said there was a certain phone number that needs to called to verify it. I called XXXX XXXX  and they said they had no problem with anyone cashing their checks and that it is verifiable and they don't know the phone number that chase is calling to verify it. I called chase back and they said the number they are calling ends in XXXX, but that it has to be the owner that they have to speak to. So like the owner of a large corporation is going to give their personal phone number out. So I called XXXX XXXXs back and they said that was their old corporate #. They said that the money was taken out of their bank and cashed and so it is out of their hands. They said that I must already have the money and be lying to them. Chase said that It is their policy to not give the money back and that they can keep the money until the check can be verified. However chase is lying because it can be verified if they call the XXXX XXXX customer service phone number or any other number listed on XXXX for that business. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs because it's been about 6 months and chase Still has my money. This is theft. This is morally wrong. They verifying department at chase sounds like they are from XXXX and they sound like they are the ones that are scammers. Then they told me that XXXX XXXX can ask to recall the check back but XXXX XXXX told me they will not do that because they think I already cashed the check. They don't believe me. So I'm stuck.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter explaining there are incorrect information on my credit report and would like it removed. I looked at my credit report and noticed the wrong addresses are still showing up. its addresses on m credit that I have never lived at. I am hoping all 3 credit Bureau XXXX, XXXX, EQUIFAX fix the problem and remove inaccurate information of my credit report immediately.
Product: Checking or savings account

My company responded to a mailing from Bank of America offering {$750.00} if a new account was opened, minimum {$50000.00} held on deposit, and 5 electronic transactions. Our company entered the invitation code and opened a checking account on XX/XX/XXXX and deposited $ XXXX into account and made 5 required transactions. I just called to check the status of the {$750.00} on XX/XX/XXXX and the agent stated that Bank of America had no bonus was attached to our account and further stated that Bank of America had no such offer published at that time. Clearly I opened the account based upon the inducement since I deposited and performed the specifically spelled out actions. I XXXX  the offer and can see web pages where it clearly was offered at that time.
Product: Debt collection

They called and gave information about the debt without properly verifying they were speaking with the correct person. I told them I knew they were supposed to verify they were speaking with the correct correct person. She said that is not their policies and procedures. I told her it is a law and she hung up on me. The call was made on XX/XX/23 at XXXX
Product: Credit card

To whom it may concern, I believe I am unfairly treated by the unjustified reduction of my credit limit from {$9000.00} to {$4000.00} without reason and notice. This is effect reduced my credit rating from a Good standing of XXXX, to XXXX. This happened on XXXX XXXX. 

I have a total of {$9000.00} credit limit on my Chase Sapphire credit card with card number XXXX under my name : XXXX XXXX I carry a credit card balance, but I have never missed even a single month of payment due since its existence. The credit card was opened only this year XX/XX/year>. 

I am complaining about an unjustified credit limit decrease. For more info you can reach me in my email or this number. 

XXXX XXXX XXXX owner Please remove personal informations and sensitive information on this desciption.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  is reporting an account I never opened. I told them to close the account immediately and provided identification information requested but yet they constantly choose to do otherwise.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me.

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX. Validate Account XXXXXXXX Account XXXX : XXXX Please ensure that all information is accurate XXXX. Validate Account XXXXXXXX  Account Number : XXXX Please ensure that all information is accurate Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate late payments are reporting to my credit report. Please remove from my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late paymen t reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make 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. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I do not owe any debt, and the collection company does not allege that I owe a debt. This debt collection company contacted me looking for someone else, and in doing so, disclosed that the other person owes a debt.
Product: Checking or savings account

Unable to connect external services such as XXXX, XXXX, etc.
Product: Debt collection

security credit services placed a collection account on all three of my reports and at first had the date and amounts wrong, I disputed this and it was changed but the original creditor had been deleted a couple years prior, then just this year this collection co. appeared, I have demanded that they be deleted but havent been as of today. This account would be 6 years old today by the original creditor, I cant see what the collection agency has listed.
Product: Credit card or prepaid card

I received a bill from Chase with multiple charges for XXXX purchases. All charges were close but below {$100.00} some more than one per day. I called Chase and gave them info on XX/XX/2017 the same day i received the bill. On XXXX Chase called back and denied my fraud claim. After arguing with Chase they agreed to peruse the claim at the next level. That same day i filed a complaint with the XXXX XXXX Police Department complaint # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent certified letters to credit reporting companies XXXX XXXX, equifax, and XXXX. I have been patient and even tried to call multiple times but still no answers or emails. I have seen on y credit that I have items hat are not mines and wanted to get them removed. I understand covid is taking longer process but it has been over 60 days and I would like the negative false items deleted so I can move forward with my life thank you.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX 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 XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX :
Product: Mortgage

On XX/XX/XXXX I barrowed {$150000.00} from XXXX XXXX XXXX. All payments were made on time. On XX/XX/XXXX XXXX XXXX XXXX was taken over by XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX XXXX extended the balloon payment on the balance of the loan {$130000.00}. On XX/XX/XXXX XXXX XXXXXXXX XXXX renew the note of {$110000.00} for a three year term. On XX/XX/XXXX XXXX XXXX XXXX merged with Valley National Bank. On XX/XX/XXXX Valley National Bank extended the {$61000.00} loan. Starting around XX/XX/XXXX I started having financial problems and the loan payments were been late. The loan went into default. Instead of filling foreclosure on the properties the bank and their attorney Mr. XXXX XXXX file for judgement against me. MrXXXX XXXX in his fillings on XX/XX/XXXX said that I owe the bank {$20000.00} while the bank 's statement on XX/XX/XXXX have the balance of {$18000.00}. I got some money and tried to settle this matter but Attorney XXXX wanted over {$12000.00} in Attorney fees. I complained to Mr. XXXX and he said that he had to research all the properties. I complained to the bank and was told that they could not intervene. My then Attorney Mr. XXXX ( since resigned ) advised me to send the {$18000.00} plus reasonable attorney fees for a total of {$20000.00}. The check was sent to Attorney XXXX, which he returned. 
My complain is that Valley National Bank and their Attorney Mr. XXXX are charging me for research on properties which they should have done at the time when the loan was extended. Research on properties are done via computers and should not cost over {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

After filing for Bankruptcy XX/XX/XXXX, XXXX and CHASE BANK, where on my credit report as a history and showing that I have a mortgage account. It is now XX/XX/XXXX.  According to XXXX XXXX XXXX XXXX, XXXX requested that they be taken completely off my Credit Report a couple months ago. Also, stating that they no longer use XXXX services to report credit history. So, why now? Why me? Why did they have to take it off? I'm in a chapter XXXX. Its not required that they report! But, it is their to show history and that I have a mortgage for anyone that I maybe trying to rebuild credit with. So, how can a Credit Bureau show " Full Disclosure '', " Fair Credit Reporting '' when a company decides to just take them selves completely off the Credit Report? This is deliberate. Its no accident. XXXX the money. XXXX needs to do whats right. If they don't want to spend money, then get out of the business. Saving money on morality is not the right thing to do. Especially when they know how the economy works and not reporting it, is the same as me not reporting damage to my house and then selling it. If I apply for credit and their not on my report, that is not full disclosure. This company needs to stop being so greed, stupid, evil and heartless and times. They need to put them selves back on my credit to show history and anyone else 's report they decide to take them selves off of.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax Information Services XXXX, Experian, and TransUnion for their continuous failure to comply with federal consumer protection laws. I have submitted multiple dispute letters regarding fraudulent accounts and inquiries appearing on my credit report as a result of identity theft. Despite my repeated attempts to rectify these inaccuracies, Equifax has failed to respond or take appropriate corrective action, violating the Fair Credit Reporting Act ( FCRA ). 

Fraudulent Accounts and Inquiries : XXXX XXXX SERVICES ( Acct # XXXX ) Fraudulent amount : {$520.00} XXXX XXXX BANK XXXX XXXX ( Acct # XXXX ) Fraudulent amount : {$670.00} XXXX BANK ( Acct # XXXX ) Fraudulent amount : {$2200.00} Failure to investigate and remove fraudulent accounts violates the following provisions of the Fair Credit Reporting Act ( XXXX  ) and other relevant federal laws : XXXX XXXX Code XXXX Requires credit bureaus to block fraudulent information due to identity theft. 
XXXX XXXX XXXX XXXX Mandates a reasonable investigation upon a consumer dispute. 
XXXX XXXX XXXX XXXX ( b ) Requires the maintenance of accurate credit report information. 
XXXX XXXX XXXX XXXX ( a ) Holds furnishers responsible for reporting accurate data. 
XXXX XXXX XXXX XXXX Prohibits unlawful communication regarding fraudulent debts. 
XXXX XXXX XXXX XXXX ( a ) Requires proper validation of debt claims. 
XXXX XXXX XXXX XXXX ( f ) Prohibits obtaining or using consumer reports without a permissible purpose. 
XXXX XXXX XXXX XXXX Prohibits obtaining credit information under false pretenses. 
XXXX XXXX XXXX XXXX & XXXX Establish civil liability for willful or negligent noncompliance with the FCRA. 
Additionally, Equifax, Experian, and TransUnion 's continued reporting of charged-off debts without verifying legal liability contradicts IRS Publication 2021, which states that charged-off debts should be treated as income rather than collectible liabilities. If a debt has been charged off and reported to the IRS, creditors must provide an original contract with XXXX wet-ink signatures proving liability, which has not been provided in my case.
Product: Credit reporting or other personal consumer reports

I did not give them permission to run anything I would like to see it be removed from my inquiries due to me not approving, said inquiry
Product: Credit card or prepaid card

I took Wells Fargo to small claims court on XX/XX/XXXX for violating the rules about a claim I made using my Wells Fargo VISA debit card and won. The judge entered his ruling on XX/XX/XXXX saying that Wells Fargo had 30 days to pay me but has not done so. I am owed {$9300.00}. 

I took Wells Fargo to small claims court in XX/XX/XXXX and also won and had this exact same issue where they did not pay me within the 30 days I I had to write to the Consumer Financial Protection Bureau in order for them to finally pay me what I was owed, so this seems to be a pattern with Wells Fargo and I wonder if other consumers are complaining about this.
Product: Vehicle loan or lease

I have filed a complaint against the dealer, XXXX XXXX , with the Florida Attorney General 's Office and received a call back from the Consumer Protection Division . The lady that called me said she was going to send me an e-mail so I could further explain the issue. I never received it. I have also filed a complaint with the Federal Trade Commission. 

I contacted the finance company after an unsatisfactory attempt to resolve the issue with the dealer. The dealer was supposed to call me back and never did. I was advised only the dealership owner could agree to take the car back. Once the paperwork is signed and the finance company has purchased the car via the loan, it is out of their hands. 

I attempted to contact the finance company to advise them of the fraud against them due to breach of contract. They told me there was nothing they could do. They need to provide me a copy of the credit application that was originally supplied by the dealer. I suspect there was information changed or added without my knowledge after-the-fact in order to get the loan approved.
Product: Debt collection

Transworld Systems ( XXXX XXXX ) added an incorrect debt to my credit reports ( XXXX, XXXX XXXX XXXX XXXX ), dated XX/XX/22, in the amount of {$190.00}. This is an incorrect entry on my credit report history, as I do not owe any balances or have a debt with this debt collector. I have already filed disputes with all XXXX credit reporting agencies, and I am needing your assistance to help me remove and resolve this matter.
Product: Checking or savings account

I opened a checking account with Community Bank N. A. ( {$50.00} deposit ) about 1 year ago. A month or so after opening I tried to close it because they charge a monthly service fee. They said I could not close the account because I had a balance. So I just let it sit. I decided a month ago to withdraw the {$50.00} I had in the account and went online and had the bank send me a {$50.00} check, which I received and cashed. That is when things send bad. They bounced the check and charges a XXXX $ fee then they began charging XXXX $ a day for my account being behind. This is not fair and I want it stopped and the charges dropped. I an attaching the statements I copied from the bank..
Product: Mortgage

I authorized a Post -dated check to run on XXXX/XXXX/15 for {$940.00} using my savings account. I noticed that this payment never was processed thru my bank account. I was told by my bank that if the account is coded checking account and not saving account that the payment will not process. So the payment of {$940.00} was not coded savings. So since I did n't see the payment go thru, I transferred the money from my savings account to my checking account and did a payment via your website for {$920.00} on XXXX/XXXX/15 confirmation # XXXX that is the amount your website was showing was due. I just received a letter dated XXXX/XXXX/15 stating that the payment I originally gave for {$940.00} dated XXXX was returned. That is incorrect. That payment was made on XXXX/XXXX/15. This was clearly a coding issue not me not being able to make the payment. You have now reported my being 30 days past due. The payment was scheduled on the XXXX day which my credit report should n't have been hit with a 30 day late. I filed a dispute with the mortgage company who said that they will not remove the 30 day because I would have to replace the payment in the same month. This was a coding issue, and the payment was made on the XXXX. I had no knowledge that this was going to happen. How could I have replaced it. I have also attached a letter from my Bank stating the fact. Also Carrington has n't updated my credit report since XXXX and this is affecting my credit rating. I have attached my credit report as well. Also they have stated in there letter that " If a payment is reversed for non sufficient funds ( NFS ) and the replacement is not made in the month that the payment was due, the payment may be reported negativity. I do n't show that anywhere or have I ever in my years in banking known that the payment has to be made in the same month.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX  Account XXXX : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, and so on.