23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions
Product: Checking or savings account

I lost my debit card prior to the fraudulent transaction taking place in my account. I told Chase this and they continued to falsely accuse me of a fraudulent transaction charge that I did not make. They continuously told me that I DID DO IT because it took place in XXXX, IL ( which is where I live ). And because it was made online. They told me because of these reasons it was me because based off of that it looked like I did it. I told them I wouldnt be arguing with them for 2 months now had I believed that I did commit the transaction, but I did not. This is the third time starting today ( XX/XX/2024 ) that the claim reversal was sent back. They told me they couldnt help me and to send them documentation stating otherwise. Whomever committed fraud on my account, there is very little information about the scammers whereabouts. I did have one Chase representative, a supervisor, tell me that my XXXX XXXX wallet and XXXX XXXX had been compromised, which my Chase Bank was connected to. She proceeded to read off an XXXX XXXX debit card that was on my apple way account that I did not put in there myself- mind you my card was missing. Afterwards, she disconnected my cash app and XXXX XXXX, sent me another brand new visa debit card and given me a credit to my account. She told me by policy they still had to investigate but that my credit was back into my account. Today. I have another claim reversal. Ive made numerous report including to the XXXX XXXX XXXX XXXX. I will go to court to resolve this if I have to. Chase in the past has missed fraudulent charges taking away from my account, so this isnt any different other than this case is more complex considering the advanced scamming technologies that are put today. After I my money back. I will no longer want to be apart of Chase. Shame on them. Ive been with them over & years and why now would I go through all of this trouble to get my money back. This is ridiculous and this whole process has made me very weary and exhausted. I will never recommend Chase to anyone. I made a police report, an FBI report, I have reported this to XXXX XXXX XXXX, XXXX  and the Consumer Financial Protection Bureau. I also have witnesses that I have shared this matter with over the course of which this has carried over. If I have to I will go to court. What scammer is willing to go through all this now, Chase? Im innocent.
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 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 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. 

XXXX XXXX - XXXX XXXX This inquiry should not be on my report. I did not apply for any credit with XXXX XXXX- This inquiry appears on my report twice. XX/XX/XXXX and XX/XX/XXXX. There should only be one inquiry. 

XXXX XXXX - This inquiry appears on my report twice. XX/XX/XXXX and XX/XX/XXXX. There should only be one inquiry, which is XX/XX/XXXX.
Product: Credit card

This is in regards to an open dispute with XXXX XXXX in the amount of {$310.00} affirm has yet to resolve the dispute after their 90 day timeframe has lapsed, placing my account in CHARGED OFF STATUS which is a breach of agreement. I have attempted to resolve this dispute with customer service by telephone and email, support has repeatedly stated they have escalated the dispute to the appropriate team for review in resolving but have not received any response. I have email records from affirm stating the dispute was ruled in my favor and a refund will be issued, but yet the account has been placed into collections with XXXX XXXX XXXXollection agency
Product: Checking or savings account

My partner and I own a small primary care practice named XXXX XXXX In XX/XX/2022, XXXX of our business checks ( sent for a business office lease payment ) was stolen from the mail. The check was altered, with the payee and amount fraudulently changed, and then electronically deposited into the fraudulent payees account. The original check was made out to XXXX XXXX XXXX in the amount of {$2800.00}. The cashed check was made out to an individual ( unknown to us ) in the amount of {$9200.00}. After the check was deposited, I noticed this large debit of {$9200.00} from our business account and went right away to the local Chase Bank branch. The manager was very helpful and assisted me in filing a claim. The claim documents were faxed directly from the branch, including the claim report and a copy of the original check as well as the altered fraudulent check. I was told that since I reported the incident within 24 hours of the check being deposited, that the amount might be restored to our business account within 24 to 48 hours. Unfortunately, this was wrong information and I was later told that it could take 60 to 90 days. This caused us great distress, as we had to take out a small business loan just to make payroll one week. Our employees received their paychecks 2 days later than expected, causing them distress as well. The fraudulent check had wiped out our reserve funds which we sometimes need to make payroll. After filing the claim with Chase, I also attempted to enlist the help of XXXX XXXX. Since I am not a customer there, however, they would not speak with me regarding the fraudulent check, ( even though it was partially their error in not verifying the check information prior to deducting the funds from our account ). I also filed a report with the XXXX XXXX XXXX. The XXXX was extremely helpful in tracking down the details of the fraudulent check and even found the person responsible. I submitted the officers very detailed report to Chase Bank in XX/XX/2022. I have made repeated follow up phone calls to Chase asking when the funds will be restored to our account. Each time, I am told that they are waiting for information from XXXX XXXX and that stolen check cases tend to take a long time to resolve because the bank has to conduct our own investigation. I can not believe that it has been almost 8 months and the {$9200.00} stolen from our account has not been returned. No one from Chase or XXXX XXXX has reached out to us to update us on the matter. Any time I want information, I have to call them, and each time I call, I am told the same thing that they are waiting on more information. I dont understand how this can happen as they have a copy of the police report clearly showing that this was a fraudulent check and indicating exactly who did it and where and how. Can you please help resolve this?
Product: Credit card or prepaid card

I bought an international ticket where united airlines offers free checked in baggage already. United explorer card from Chase offers free first checked baggage listed in their terms of agreement. However this is false advertising as this no longer is a benefit claimed on the card when the cost of the ticket should cover the baggage checked already. This is a clear case deceptive advertising to the consumer and now I  would have to pay them {$100.00} for added baggage when I thought they would offer up an added luggage.
Product: Credit reporting or other personal consumer reports

This account is not mine and are fraudulent. I have submitted a complaint to the FTC, CFPB & my State Attorney General to have this account removed from my credit report ( identity theft report attached here ). The address they have on file is not my address and I never lived there. This account needs to be removed IMMEDIATELY. XXXX and LVNV funding are in VIOLATION of 15 U.S. Code S 1681c-2. " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, no later than 4 business days after the date of receipt. '' It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identify theft. Please delete these items IMMEDIATELY.
Product: Vehicle loan or lease

Wells Fargo has been ordered to pay {$3.00} XXXX for the widespread mismanagement of auto loans, mortgages, and deposit accounts. Wells Fargo repeatedly misapplied loan payments Wells Fargo has not properly compensated me for their mistakes on my auto loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made past requests to bring clarity and validation on 9 creditor disputes that I believe was related to identity theft. I have since then submitted a police report about my identity theft, dating back to  XX/XX/XXXX of when the police report was filed. 
Since then Equifax, XXXX, and XXXX, have addressed some of the issues with some these disputed creditors according results like CFPB report # XXXX. 

Yet I am still getting targeted and bullied by creditors and collection agencies that have not been able to produce an original wet signature from my own hand to validate these accounts ( this would be my right and protection according to Federal Law, section 609 ). Can you cause them to stop with their bullying since they have failed to comply with my request of validation of these accounts? The issue is still  unaddressed concerning this and it has been since XXXX XXXX, XXXX that there has been no wet signature of my writing to validate the source of these documents. According to our federal governing laws of section 609, I ask that you verify that these accounts have already been deleted from my Equifax, XXXX, and XXXX  Credit Report.. 
Accounts that have not been properly addressed are : Original creditor : XXXX XXXX. with account number : XXXX Current creditor : XXXX XXXX XXXX : XXXX Original creditor : XXXX XXXX XXXX with account number : XXXX XXXX account Number : XXXX Current Owner : XXXX XXXX XXXX If any of these are reported on Equifax, XXXX, and/or XXXX  can you please verify them with a matching original wet signature by my own hand ( this request is backed by Federal Law, of Section 609 )? And since it has been since XX/XX/XXXX, with already no matching wet signature by my own hand, can you according to Federal Law, section 609 have these creditors deleted from all three of these credit bureaus Even If any of these are not reported or are reported on the these three Bureaus, can you have them stop with the bullying and forward this complaint to the Attorney General of the United States Government according to my rights stipulated the Fair Debt Collection Practices Act ( FDCPA ).
Product: Debt collection

NOTICE OF INTENT TO FILE A LAWSUIT CEASE AND DESIST NOTICE OF DISPUTE AND DEMAND FOR IMMEDIATE CORRECTION Transunion should totally removed the XXXX XXXX XXXX XXXX derogatory reports instead of closing them and leave them till certain dates. Although, you have done your investigation and they should be deleted because the medical billing were not mine. XXXX XXXX, XXXX and XXXX XXXX XXXX are fraudulent companies and needs to be investigated further and their companies shut down. 

XXXXXXXX XXXX XXXX is a billing company and not Medical Center as mentioned by the XXXX XXXX XXXX XXXX XXXX 

I do not attend XXXXXXXX XXXX XXXX and owe no bills to them or anyone. 

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

I was online at the XXXX XXXX website. The site prompt me to put my personal information in so that it can get quotes from potential lenders who would be interested in funding me. The site also stated that there would only be XXXX soft inquiry on my credit report. On the Contrary, I ended up having all of these hard inquiries on my credit report from these various companies, Which I had no idea about. Plus, there where other accounts on my credit report that I didnt even knew where there! Unbelievable! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

After AAA switched credit card vendors to Comenity Bank, this new vendor seemed unable to process my payments properly. After several months of on-time complete payments of full balance not showing up on my statements, I stopped using the card. Twice they even sent my payment check back to me saying they did not know what account to credit this payment to, even though the final digits of the account number were printed right on the check. Of course the checks were sent back to them by me, but then they proceeded to charge me late fees and interest ( for payments I had made on time and in full ) and now, they are ruining my credit with the credit agencies, claiming I have not paid my bill ( s ). My bank ( XXXX XXXXXXXX XXXX ) does use a third-party bill payment vendor, but I have proof that all payments were sent on time ( to the correct [ listed/bill payment ] address ) and this has been confirmed by my bank. 
Before the switch to Comenity bank, I have NEVER had ANY problems sending credit card payments to ANY OTHER credit card company. EVER. 
BTW : In their correspondence, their letterhead address has typos so it makes corresponding with them an unsure gamble.
Product: Checking or savings account

Ally is making is very difficult to dispute debit card charges. On the phone they push you to dispute transactions online but the dispute website is non functional and does not let you submit the form. They have not responded to my message about this and ignore the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is embarrassing to be an American with companies like XXXX XXXX XXXX XXXX ( XXXX ). I have complained for five years with Experian and XXXX because they both accessed my credit report without my permissible permission. The last two complaints, ( COMPLAINT ID XXXX & XXXX ) XXXX states the form message This complaint appears to be about the same issues as a complaint weve already processed for you. The complaint number for the complaint weve already processed for you is XXXX. This repeat complaint is now closed. There will be no further action on this complaint. Keep track of the original complaint XXXXso you can track its status and receive the company response on your Consumer Portal or by calling us. XXXX and Experian have yet to supply the permissible permission used to access my credit report and play the people like stupid children. And calling XXXX is a joke like calling Experian where you either hold for 45 minutes and then are disconnected or where you talk with someone who reads a programmed screen. I have Russian friends who are also embarrassed for their country. XXXX treats their people like stupid sheep just like big companies do here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XX/XX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XX/XX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2.XX/XX/XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX XXXXXX/XX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) I therefore legally request the DELETION of INACCURATE items from the PERSONAL INFORMATION section of my credit report with your agency. I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : XXXX XXXX XXXX XXXX. 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX XXXX, AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : XXXX XXXX XXXX as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Product: Student loan

I have been trying to resolve this issue with Diversified recovery Bureau. They have been calling me, my family members, and friends informing them that I have an outstanding student loan balance for {$2500.00}. I have been speaking to them since XX/XX/XXXX trying to get information about such loan that they are speaking of. On XX/XX/XXXX I finally received an email a 1st notice which was just an attachment letter with the Diversified Recovery Bureau letter head, the amount due and some account numbers didnt specify how or when I received this loan. So I called them back and them that I needed them to send me the actual legal Loan agreement, they werent to happy about that and proceeded to yell and insist that it was going to be a 3 month wait for me to receive such papers that I am asking for. I informed them that I was not just going to pay something that I never received any kind of statement in the mail about or even heard about until now from a collection agency. With that said they kept insisting that my credit score will continue to get hurt by this until it was resolved so if I wanted to wait 3 months that was up to me I told them that was fine I needed the legal documentation before I can proceed with this. The very next day XX/XX/XXXX I received an email from XXXX XXXX from Diversified Recovery Bureau with my enrollment agreement to XXXX XXXX ( that closed down in XX/XX/XXXX ) and a Ledger Card Thats suppose to state such loan. Looking over the ledger card that states I have a {$0.00} balance so I was left confused. I proceeded to investigate and called the department of education, student loan support, and my loan servicer and was informed that no such loan is under my social security. So I spoke to XXXX XXXX XX/XX/XXXX and informed him that I spoke to these and department and they dont see such loan, he then proceeded to tell me that it is not a loan that they are trying to collect but a remaining balance from my tuition that my federal loans did not cover at that point I was convinced there was something wrong. So I called back the department of education and they informed me if it was a tuition fee they are trying to collect they would definitely be able to see it on there end because they have there own collection agencies that handle such manner. They advice me this may be scam and to ask them to stop calling because as far as they can see there is not outstanding balance on my name. They also find it strange that a school that closes down in XX/XX/XXXX is collecting tuition fees. I never opened any personal loans and all my federal loans are in good standing
Product: Mortgage

I bought my home in XXXX of XXXX and financed with XXXX XXXX XXXX who subsequently sold the loan to NEWREZ.In XXXX of XXXX I began the process of refinancing my 4.375 % loan to a 2.875 loan with XXXX XXXX XXXX when the problem began with NEWREZ.My loan was set to close and NEWREZ wanted {$2500.00} more monies than they were due for forced placed insurance that i didnt need and escrow shortage that didnt exist.I have a condominium with a master policy and they had the policy and we resent it again and again. 

They refused to adjust the pay off and sent an escrow analysis increasing my monthly payment by {$540.00} to cover insurance that doesnt exist and an inflated tax escrow, so i couldnt refinance and I cant afford the higher payments. 
Either I or my XXXX XXXX XXXX or the closing attorney called, emailed, faxed numerous times in XXXX, XXXX and XXXX to rectify this to no avail. 
Conversations were had with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX # XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : This letter is to dispute a billing error on my XXXX XXXX Credit Card. The amount is inaccurate because I have paid the balance in XX/XX/XXXXbut it hasn't been updated since XX/XX/XXXX. 

I have enclosed copies of to support my claim. Please correct this billing error as soon as possible. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have a loan with USAA SAVINGS BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX  and USAA SAVINGS BANK with no successful resolution. XXXX  and XXXX  are reporting me late. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$340.00} XXXX XXXX Balance Owed : {$850.00} XXXXXXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$850.00}
Product: Debt collection

None of the above described my issue. I am filing a complaint on a company, XXXX, for a debt I owe from XX/XX/2011 I was evicted, therefore causing me problems in getting a place to live. I want to pay the debt and have this removed from my credit so I can finally get a home/apartment. I already filed a complaint with the Attorney General and my issue was not resolved. The company will not send me a letter via mail regarding settlement amount etc, also they had stated in the letter via email, which I am not sure is even legal, I had to pay the same day by XXXX XXXX via credit card only. I would like to pay my settlement amount via Cashier 's Check or Certified Money Order. This option was not given to me, nor were they able to meet my request for a letter stating specific terms. Every other company I have paid recent debts to has sent me every letter I have requested and has been very kind. Below you will see what I am asking for.