23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This complaint is a follow-up to Case number : XXXX. 
I just received a collection letter again from Chase bank XXXX XXXX, 2015. Apparently, nothing has been resolved. Again, I state the entity responsible for the {$1200.00} in question is the merchant whereby, the merchant lied on their rebuttal to XXXX committing bank fraud, allowing them to retain {$1200.00}. They do not deserve. I request that the CFPB reopen this case and take stronger action at this point Chase bank is ignoring you, and me. ( See attached. Supporting documentation ).
Product: Mortgage

In XX/XX/XXXX, we requested the the automatic bi-weekly payments be stopped on our mortgage. We were assured this happened. Then every two weeks, we would get a notification that NewRez was processing our payment. I have called MULTIPLE times and was assured that the {$35.00} stop payment fee that I had to pay my bank would be refunded. This has yet to be resolved. I am attaching the bank form showing the stop payment and the {$35.00} fee. Furthermore, my loan was paid in full on XX/XX/XXXX. NewRez neglected to timely post the payment, resulting in an additonal per diem interest of {$53.00}. I am attaching the wire confirmation showing the XX/XX/XXXX date. I have spent HOURS on the phone with NewRez and they refuse to rectify the situation. They are also holding my payoff overage ( {$320.00} ) for an additional XXXX days.
Product: Credit card

I believe the accounts are invalid. STATE EMPLOYEES CREDIT UNION ACCOUNTS needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the accounts to be removed from my credit & their records.STATECU XXXX and STATECU XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! I sent out mails and letters to the credit bureaus about some inaccurate data on my credit report. It's been over 60 days and I never received a response from them. Section 611 ( a ), stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted already. This situation has caused me a lot of XXXX  and I wish to have it resolved as soon as possible.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

chase has yet to get back to me on my complaint : XXXX chg XXXX hello fresh, again on XXXX XXXX and nsf fee to be cr XXXX resulting this fee because of hellofresh unatuh purchase both times they were informed not to deliver. 


XXXX cr on tax act as my tax return was not complete to be process. 

If they can process these crs.
Product: Checking or savings account

On XX/XX/XXXX, I received a notification from Chase Bank stating that my account had been limited and that our banking relationship would be terminated with the account 's impending closure. Upon contacting Chase, they were unable to offer a concrete reason for the closure. They assured me that any funds in my account would be issued via check within 3-5 business days following the account 's closure, which was anticipated around XX/XX/XXXX. Yet, as of now, they have informed me that the funds are still under review and have not been returned, nor have they provided a definite timeline for this process.
Product: Debt collection

I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX claiming that I owe XXXX {$25.00} and an additional fee of {$25.00}. When I attempted to submit a dispute on their website with several different browsers, a " submission error '' was received. 

I dispute this charge because I did not make any purchase from XXXX or one of its merchants on the date in question ( XX/XX/XXXX ), I have not used handwritten cheques since XX/XX/XXXX ( and have not ordered any for my current account ) and have never had one numbered XXXX or anywhere near XXXX ( my chequebook was numbered from XXXX up ), I closed my original checking account on XX/XX/XXXX because I accidentally sent my financial information to a stranger online ( perhaps that is what this stems from ) and none of the accounts I use for online purchases show ANY attempted debit from XXXX on the XXXXXX/XX/XXXX, so please, correct your information.

Thank you and may the XXXX be with you.
Product: Credit reporting

I have disputed these charges for XXXX XXXX XXXX on my credit report to all XXXX credit bureau 's. 
Just been informed as I was trying to buy a house that just recently this judgment was on my report. Judgment is from XXXX and I have a judgment that stands on my credit report that was not from me. the evidence given by ascend shows checks signed by me. The check signature on back is not my signature or known facility of business on check. the check is made out of XXXX XXXX XXXX, I do not use my middle name ever!. also documents state that I was sent many letters that I never received or seen a sheriff come to my house and serve any papers. At that time I worked 16 hours a day. Working an going to school. From the attorney she stated I will be getting recurring interest since I called about the issue XXXX/XXXX/XXXX. She says the total is now XXXX so I am very confused how this judgment has changed so drastically in a matter of months. I need help figuring this out cause XXXX XXXX is not assisting besides pay the debt and I have numerous time said this debt is not mine. Even if it the judgment came off i was told that ascend will not remove it, so i am XXXX no matter what.
Product: Credit reporting or other personal consumer reports

Experian has twice emailed to say my soc sec XXXX  has been breached. They give a customer service XXXX to call about this, where a recorded message immediately demands I type in my soc sec number. So I hung up. I do not have any way of knowing if this is real.
Product: Credit reporting or other personal consumer reports

I don't remember dates, but I have tried to dispute, and update some items on each XXXX of my credit reports in 2024, and they return them to me within XXXX week, stating that the information was correct, and I know that it wasn't.
Product: Mortgage

I contacted Wells Fargo to discuss the increase in our mortgage payment from {$600.00} to {$830.00}. I spoke with XXXX XXXX, who advised me we can apply for a loan modification. He emailed me the forms which I have completed & returned. My husband had to retire in XX/XX/XXXX due to XXXX XXXX XXXX XXXX is on XXXX, he receives his XXXX check on the XXXX Wednesday of every month ( since XX/XX/XXXX ) I requested that they change the due date so we are late every month & getting hit with late fees of {$25.00} and was told they couldn't change the date. I was never notified in writing of the increase. I checked our loan account & found they have done an advancement of {$2600.00} to cover escrow which at this time shows a balance of XXXX for our taxes and home owners insurance. We were not aware of that advancement until now. Up until XX/XX/XXXX our monthly payment was {$600.00} then starting in XXXX the payment went up to {$830.00}. In XX/XX/XXXX I advised Wells Fargo that we had a decrease in income and explained our situation with my husbands health.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX CREDIT CADRD NO.XXXX IS REPORTING AS CHARGE-OFF ACCOUNT WHEN IN FACT IS DISCHARGED TRU CHAPTER XXXX BANKRUPTCY.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, Texas XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : MAJOR FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XX/XX/XXXX, XXXX XXXX, XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX  XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.

Thank you for your full consideration in this matter. 


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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have to make sure I have the rights to privacy of my information, also that my private info is not given/shared with anyone or any private corporation, ( " 15 USC 6801 '' ) Which states that, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. ( 15 USC 1681 ) section 604 a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions of the consumer to whom it relates. the financial institution and the Consumer reporting agencies ( XXXX and XXXX ) do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked .15 USC 6802 ( b ) ( c ) states that '' A financial institution may not disclose non public personal information to an on affiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that non disclosure option. Never informed me of my right to exercise my non disclosure option. Not only that 15 USC 1681 C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 dates report by more than seven years. " This account is an adverse item they are reporting without my permission at all, and against the law knowing it is. 15 U.S.Code 1681s 2 ( A ) ( 1 ) A states '' A persons hall 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 not correct. 15 U.S. Code 1681 estates '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title..XXXX and XXXX Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at anytime. " I am opting out of your reporting services.
Product: Credit card

JC PENNEY has completely failed to established the information you are reporting for the following account is accurate : Instead, JC PENNEY have provided is merely a computer screen print out that establishes nothing. I suggest JC PENNEY familiarize themselves with the Fair Credit Billing Act ( FCBA, Title 15 U.S.C. XX/XX/XXXX et. seq. ) before proceeding any further. I suggest JC PENNEY review the applicable regulations which can be found at www.ftc.gov, the website for the Federal Trade Commission ( FTC ), the oversight and regulating agency for your industry. 

There JC PENNEY will find that, in accordance with the FCBA ( see specifically 15 U.S.C. XXXX XXXX, it is your responsibility to establish the following : No unauthorized charges occurred. 
charges do not list the wrong date or amount ; there were no charges for goods and services that I did n't accept or were n't delivered as agreed ; you did not make any math errors ; you did not fail to post payments and other credits, such as returns ; you did not fail to send bills to my current address ; and charges for which I asked for an explanation of written proof of purchase along with a claimed error or request for clarification Your next letter must fully establish that the information you are reporting to the credit reporting agencies is accurate.
Product: Credit card or prepaid card

Called on XX/XX/XXXX to request replacement card. Today is XX/XX/XXXX. I have not received card or an email saying when it will be replaced. I emailed their complaints line... still no response. They made me send in copy of license ending in XXXX through I'd me which matches my account phone of XXXX. They need to decide this week this week if the card is going to be sent to my address here in XXXX XXXX iowa. If not they need to close the card and no I am not calling them again
Product: Checking or savings account

On XXXX XXXX XXXX I redeemed {$10000.00} ( face value ) in U.S. EE savings bonds. After scanning the bonds, the teller informed me that I'd be receiving {$39000.00} in total for interest and principal. She also told me this money had to be deposited in my U.S. bank account for the transaction to be completed and I agreed. I thought the total was a little high but who was I to question the computer system and a trained teller. Well later that day, I received a call from the same teller informing me that a mistake had been made ( by the scanner ) and that she'd get back to me to let me know by how much. I didn't hear anything so on Thursday, XX/XX/ I went back to the branch in XXXX and spoke to the manager. He said he was aware of the problem and that my guesstimate of the overpayment was probably correct. Again, I asked for a phone call and written confirmation of what went wrong and how much I should have received for the bonds. The next day I found out when looking at my U.S. Bank App that {$18000.00} had been taken out of my account. Other than the initial phone call and the in-branch discussion, I never received a verbal or written explanation of what went wrong. To make matters worse, on XXXX XXXX XXXX, U.S. Bank withdrew an additional {$18000.00} from my account without notifying me! I didn't realize the money was missing until Thursday, XX/XX/ but called the XXXX branch as soon as I found out. Again I spoke with the XXXX and he said he'd look into it and call me back the same day. Well he didn't call me back but to his credit he managed to correct the error immediately. I called U.S. Bank customer service on XX/XX/ and filed a complaint. Soon after I received a survey for that call and I attached an email similar to the one you are reading now dated XXXX XXXX XXXX I followed up with another call to customer service on XX/XX/ and the gentleman said my complaint had been forwarded to the XXXX branch manager and he was in the process of mailing me a letter that day. Well it's XX/XX/ and I have yet to hear from anyone at U.S. Bank!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a certified letter to Equifax requesting an dispute investigation pertaining to : 1. Customer statement : Delete second phone number XXXX XXXX XXXX XXXX, and maintain XXXX XXXX XXXX XXXX. 

2. Personal Information : Delete " former name '' XXXX. That was not my former name. 
3. Employers should be reported as XXXX XXXX XXXX XXXX 4. Accounts- a. XXXX XXXX ( XXXX ) Comment " High balance is the credit limit '' when the credit limit is XXXX and the high balance is {$0.00}. Please remove comment. 
b. XXXX XXXX XXXX XXXX XXXX ( XXXX ) Please delete because the date of last activity, date opened are reporting differently to every credit bureau. Does not meet FCRA. The creditor can not provide debt validation. 
c. DP of EDU ( 2554 ) - The date opened & date of last activity is reported differently to all credit bureaus, does not meet fcra. Please delete for inaccurate reporting. 

EQUIFAX HAS NOT INVESTIGATED WITHIN 30 DAYS, OR HAVE THEY COMPLETED A REASONABLE INVESTIGATION, THEY NEVER NOTIFIED OF AN INVESTIGATION STATUS OR RESULTS, THE DISPUTED ERRORS WERE NOT FIXED ON MY REPORT. 

I RESENT MY REQUEST FOR INVESTIGATION ON XX/XX/2021. I HAVE NO NOTICE OF INVESTIGATION STATUS OR RESULTS, THE INVESTIGATION TOOK MORE THAN 30 DAYS, THE DISPUTED ERRORS WERE NOT FIXED ON MY REPORT.
Product: Money transfer, virtual currency, or money service

I had to file a report with law enforcement on Friday, XX/XX/year> due to the buyer attempting to commit fraud. The device was delivered in PERFECT condition, exactly as described. The video that the buyer uploaded shows XXXX scratches and XXXX problems. There is a tiny bit of dirt on the corner, which can safely be wiped off with a wet cloth. 
The buyer demanded a proof of purchase, I provided it. The buyer accused me of lying about the warranty, then found out I was correct and apologized to me. The buyer accused me of the phone having wear and tear, you can see in the photos and video that it is flawless. The staff at the XXXX XXXX never said to be " cautious '' with it, that is a complete lie. If they did say that, please upload documentation proving that. There is nothing wrong with the charging port, and the buyer is trying to lie about a problem that doesn't exist. The XXXX staff have informed the buyer multiple times the transaction is binding. The buyer also used a fake address for this order and has a past history of scamming multiple people by filing fake disputes. There is nothing wrong with the device and this is a classic case of buyer 's remorse. The website, XXXX, has taken my side and suspended the buyers account. The buyer admitted, in the screenshot attached, that it was just dirt on the phone and NOT dents. The marks are gone after cleaning, which is exactly what I said would happen! The buyer still refuses to provide any sort of documentation from the XXXX XXXX that the charging port is worn, damaged, or broken. Its a complete lie. The device is in excellent condition. He committed fraud and will pay the return postage. I am not paying. Hes a criminal, has been reported to the police, and a restraining order is being filed. The buyer is paying the return postage or will not be getting a refund.
Product: Vehicle loan or lease

XXXX Issue- I previously had an issue with Bridgecrest calling and thought I had the issue resolved. I spoke with upper management whom informed me of my rights. At the conclusion of our call I informed her that she could leave my call preferences as is and assured me Id be contacted XXXX per day and that I could call back at any moment to update my call preferences. 

On XX/XX/22 I received a call while at work that I did not answer. When I checked the message it was from Bridgecrest. I called the number back and stated I wanted to update my call preferences. I explained I had spoken to corporate and was informed of my call preference rights and would like to invoke my rights. The male rep asked how would I like my call preferences updated and I said do not call I will call you. He proceeded to rattle off that if I did what they call a cease and desist that this would alter Bridgecrest repossession policies and the vehicle would be up for repossession at any day. ( This is a form of retaliation- I cant call you so since I cant call you we will repossess the vehicle sooner than we said we would ) I explained him that this is all new information since there was no mention of this during my previous call with corporate and this is basically a threat for invoking my rights.