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

ATTN : XXXX XXXX My name is ( ) and Im writing to you to express my grief and anger over the past few months of trying to resolve an online fraud claim. I have been the best part of Chase since XX/XX/XXXX, placing thousands of my hard earned money into your bank. However, when I needed help, no one was there for me. In fact, I feel Chase fought against me and caused me unnecessary stress and anxiety  as they allegedly investigated my claim. In XX/XX/XXXX, I noticed two unauthorized transactions : {$2000.00} to XXXX XXXX and {$2000.00} to XXXX XXXX XXXX. I immediately notified Chase 24 hour help line and discovered that {$2000.00} had cleared on XX/XX/XXXX. I submitted a claim ( XXXX ) because I did not authorize these transactions using XXXX payment and I wanted to recoup my {$2000.00} which had already cleared to the perpetrator. I completed the affidavit and included additional proof to quickly resolve the matter. My proof included : XXXX County Sheriff Office report ( case number XXXX ), a receipt and phone number from XXXX XXXX, who discovered hack attack, XXXX XXXX, infection, and an official letter from XXXX explaining that my personal information was compromised when XXXX  experienced its breach, and resolution of another account ( XXXX XXXX ) that was also compromised at the same time. Next, I included the steps taken to secure my credit and personal information : a copy of extended fraud alert for seven years from XXXX, XXXX, and XXXX, closed the compromised accounts, deactivated online account, and requested that claims department evaluate how Ive used that accounts over the past decade. To my stunning surprise, my claim was ruled not in my favor. I called the claims department for an explanation and was told that IP address was same as all of my other business ( to paraphrase ). I refuted that these transactions were performed remotely and I didnt have control of my own desktop. The hackers placed a password lock virus on it preventing access to anything on my computer. I had the claim reasserted ( XXXX ). After I called claims online, escalations, supervisors daily, to my dismay I learned that none of the proof that I afore mentioned was attached to my case. This is unacceptable. Whenever I asked for someone in the investigation department, my call was dropped, transferred, or dismissed, being told they dont speak over the phone. Needless to say, I was livid. I had faxed all those documents four times since XX/XX/XXXX, believing that Chase online claims department was doing the one job : to get my {$2000.00}. I invite you listen to my phone interactions with your staff. On XX/XX/XXXX, I called again to hear that my claim was denied, quoting the exact same scripted reason as before. Well, I argued with your staff one final time and closed my accounts because I can guard my money better from my house than Chase can with all the technology they have available. By the way, XXXX, resolved the issue in ten days.
Product: Credit reporting or other personal consumer reports

I previously just filed a police report # XXXX with the XXXX police stay about these fraudulent accounts please investigate and delete these unknown inaccuracies XXXX XXXX  # XXXX {$4700.00} XXXX XXXX # XXXX {$5000.00} XXXX XXXX # XXXX {$19000.00}
Product: Credit reporting or other personal consumer reports

This is my twelfth attempt to address the faulty credit reporting affecting my credit records. Under Section 605B ( a ) of the Fair Credit Reporting Act, you are mandated to remove any items opened without my knowledge, consent, or authorization within four business days upon receiving : ( 1 ) proof of my identity, ( 2 ) a copy of my identity theft report, ( 3 ) identification of the disputed information by me, and ( 4 ) a statement from me declaring that the information does not pertain to any transaction I have conducted. The following accounts are inaccurate and need to be removed : Experian : 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 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  If you assert that these accounts are entirely accurate and verifiable, I request copies of any documentation bearing my signature, as I believe none exists. If no signed agreement with my signature is found, these accounts must be removed from my file. You have four business days to correct the inaccuracies in my credit file. I do not consent to the use of E-OSCAR or any automated verification processes.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I attempted to transfer funds from an account at XXXX XXXX to an account at my credit union just as I had done repeatedly in the past. Instead of completing the transaction PayPal held the funds and then their customer service staff insisted that I was the person who created an electronic check. Earlier today I learned that, as I suspected, PayPal created the electronic check and printed the screen showing that they automatically converted the transaction to an electronic check AND provided me with no ability to stop or cancel the transaction. Accordingly I contacted XXXX XXXX after seeing that, in fact, PayPal had received the funds and was holding them for undisclosed reasons. I initiated a dispute per Regulation E with XXXX XXXX and should receive conditional credit in the next day even though PayPal shows it will hold the funds until XX/XX/XXXX. After dealing with PayPal 's utterly useless offshore " customer service '' staff I decided to manually move the funds in the form of cash by withdrawing most of the amount at a XXXX ATM and then driving to my credit union. Since XXXX defaults now to paying overdraft amounts I discovered this morning that my account had a negative balance due to the PayPal originated eCheck debiting my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX MN XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Regarding Civil Liability for Negligence and Non-Compliance with FCRA- Civil Liability under 15 U.S. Code ( 1681 ). O Dear Sir or Madam : I am writing to formally dispute inaccuracies found in my credit report, which I believe stem from your companys negligence and non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o Background and Basis of the Dispute On XX/XX/year>, I learned of inaccurate information and accounts on my credit report. After reviewing the details, it is evident that your company failed to fulfill its obligations as mandated under the FCRA. The negligence includes, but is not limited to : XXXX. The only name that should be on my report is XXXX XXXX XXXX. The only address on my account should be XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, MN XXXX, and the only phone number on my report is XXXX ; anything else reporting is inaccurate. 
XXXX. I also see accounts that have been charged off, repossessions, late payments, and inquiries unfamiliar to me. Consumer Credit Laws forbid such actions of late payments 15 us code 1666.b, Charge offs 15 us code 6802, collections 15 us code 1692.g, inquiries 15 us code 1681.b. I will Include a copy of my credit report so the necessary corrections can be made. 
This failure has affected me in terms of denial of credit, emotional distress, financial loss, etc., which could have been avoided had your company adhered to the FCRAs requirements.

Legal Rights under U.S. Code 1681o Under U.S. Code 1681o, a company found negligent in complying with FCRA requirements is liable for : 1. Actual damages sustained as a result of the failure.

2. Legal costs and reasonable attorneys fees incurred in pursuing this matter. 
Requested Actions To resolve this issue promptly, I request that you : 1. Conduct a thorough investigation into the matter and provide a detailed response explaining your findings and corrective actions within 7 days of receipt of this letter.

2. Correct the identified issues and ensure compliance with FCRA standards.

3. Compensate me for the damage caused by your negligence 4. Cover any reasonable attorneys fees or other costs in addressing this matter.

Enclosed with this letter are copies of the following documents to support my claims : Credit reports, previous dispute letters, denial letters, etc. 
Suppose I do not receive an adequate response within 7 days. In that case, I will have no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action to recover damages as allowed under the FCRA. 
I hope this matter can be resolved amicably and promptly. Please direct your response to the contact information listed above. 
Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

credit report. 
XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XX/XX/year> Onemain Financial Number XXXX Account Number XXXX reporting inaccurate. U.S.C. 1681i ( Reinvestigation of Disputed Information ) Reporting Act ( FCRA ), specifically15 Additionally, under GA law, I am requesting proper validation of this debt.

Authenticated Evidence Based on GA Law with GA debt collection laws, that you have the legal right to report and collect Dear Onemain Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In the absence of the requested documentation and verifiable evidence, I request that you with the Consumer Financial Protection Bureau ( CFPB ) , pursuing legal remedies to enforce my rights, and submitting a Suspicious Activity Report ( SAR ) to the IRS for suspicion of fraud. The SAR ( FinCEN Form 111 ) will be filed if you continue reporting inaccurate and unverified information without providing the required documentation. 
Please respond within 30 days of receipt of this letter. I look forward to receiving the required documentation or confirmation that the account has been deleted. 
Sincerely, XXXX XXXX immediately delete this account from my credit report in compliance with the FCRA and GA
Product: Mortgage

On XX/XX/2024 I received a notice from my loan service provider ( Mr. Cooper ) that my monthly mortgage payment would be increasing by roughly {$400.00} per month because of an escrow shortage. No alternate options for payments ( such as paying off a shortage as a lump sum ) were even proposed. Instead it was presented as " look at this huge mistake we made - here 's the new amount you will be paying ''. 

My loan was initially managed by XXXX who had to adjust my monthly payment occasionally. It was decreased by {$10.00} per month at one point. It was also increased by {$40.00} per month at one point. When these things happened, I received phone calls. My loan was then transferred to Mr. Cooper, and since then the quality of my experience has decreased significantly. Their portals are inferior, their customer service ( when I take the time to reach out ) is beyond lousy, and now their management services has made a significant miscalculation resulting in a large payment increase. 

I will be calling Mr. Cooper ( Nationstar Mortgage LLC d/b/a Mr. Cooper ) later on for an explanation in their own words, but I know enough to be aware there are multiple ways to handle this mistake and quite frankly they should be laying them all out as opposed to sending a poorly formatted notice.
Product: Credit reporting or other personal consumer reports

It has been incredibly distressing to find out that I've fallen victim to identity theft. My personal information was misused, leading to unauthorized accounts and activities showing up on my credit reportaccounts that I had absolutely no connection to or knowledge of. Understanding the gravity of the situation, I took immediate action. TransUnion advised me to file a report with the Federal Trade Commission ( FTC ), which I promptly completed. I then sent this report, hoping to resolve the issues swiftly and remove the false items. Yet, despite these efforts, the fraudulent entries remain on my report, causing continued frustration and concern over the impact this could have on my credit and financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX SUNRISE CREDIT SOURCEXXXX XXXX XXXX XXXX ARE ACCOUNTS ON MY REPORT WITH FRAUDELANT INFO/ PLEASE REMOVE AND REMITT ALL FUNDS DUE TO ME. PER 12 USC 1813
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 The list above is 3 fraudulent inquiries that are listed on my credit report that equifax will not remove XXXX have tried calling and mailing them and as part of the fair credit reporting act i demand that these fraudulent inquiries be removed from my credit report
Product: Payday loan

I was recently in a financial crunch and needed to meet a child support obligation etc .... I applied online for a payday loan and was lied to about the way the actual payday loans work. As a result I have had to close my bank account and send a Cease and Desist Letter. I still continue to receive threatening phone calls and harassment of my family members.I have paid over {$600.00} in fees without touching the original principle amount of {$500.00}. I am having to retain an attorney to stop the harassment.
Product: Credit card or prepaid card

I closed my XXXX " XXXX '' account due to being charged a late fee at XXXX XXXX as their closing date is at XXXX XXXX. I disagree with this and closed my account. ( They did refund the late fee ). 
I cut up my card and sent a letter to XXXX closing my account. 
Due to not having the account number I am now unable to call to make payment as the XXXX phone number requires the input of an account number. I selected any option and did find someone to accept my payment but the customer service rep could not tell me my balance nor minimum payment due as I have paid ahead on my account. 
I then requested a paper bill. 
I am unable to pay online because I do not have an account number and XXXX will not reinstate my online ability. 
I again put in writing and wrote XXXX and requested a paper bill 30 days ago but have not received a paper bill. 
I am unable to go to a store due to the location being over an hour away. The nearest store has closed that was 1 hour away as well. 
I am unable to get through by calling customer service because I do not have an account number. 
I am unable to pay my bill online because I am locked out and do not have my account number. 
I can mail my bill but do not get paid until the XXXX and do not trust the processing time to avoid a late fee based on XXXX XXXX policies and ability to contact customer service. 
How can one pay their bill? 
I want to pay online or have a direct phone number to pay my bill since I do not have an account with XXXX anymore. I find this process very difficult and not consumer friendly. But yet XXXX will immediately charge late fees at any opportunity. 
I do not want nor accept automatic payments on my accounts due to past experiences when an account is paid in full but experienced continued deductions.
Product: Mortgage

I have asked for a loan modification or loss mitigation due to me losing my job and not being able to make payments for 3 months. But the day that I sent in my payment for the XXXX month being behind, was 2 days late! 
So they put me in foreclosure! 
When they knew my situation. Then when they come back with a loan modification, they are supposed to cut my interest in half do I can make my mortgage if need be, instead they up my monthly mortgage by XXXX a month! 
And my month payments would be XXXX going to my principal while XXXX going to interest and XXXX going to escrow XXXX going to insurance. I was dumbfounded! 
They didn't do nothing to help me stay in my house which I've owned for 16 years, ( my loan was transferred to M & T Bank back in XXXX  right before COVID hit and I'm a XXXX XXXX XXXX XXXX so I was outta work for almost 2 years ). I'm starting to get really frustrated with them. And then going through all of my statements, they can't seem to tell me where {$5600.00} of my payments went!!! Through out the years. I didn't not sign the recent loan modification due to them saying in the loan modification " this agreement should not be understood or construed ''???? 
And due to the fact that I was going through hard times and they upped my mortgage payments with my interest rate going from 2.25 % to 7 %...
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received an update alert on my XXXX report showing XXXX XXXX XXXX reported me 30 days past due for XX/XX/2021, which my payment was due XXXX XXXX, however I notified XXXX  on XXXX XXXX regarding I would be making a payment on XX/XX/2021. I contacted them today and inquire how I can be late 30 days its still XX/XX/2021. On XXXX XXXX, XXXX  placed me on a covid relief skip payment plan for a couple of months. I attached my payment confirmation.
Product: Credit card or prepaid card

This is an extension of my prior complaint. I receive a call from a pushy inconsiderate staff member from Chase Card Services Executive Office today XXXX XXXX 2018, regarding my complaint XXXX

The gentleman miss represented the amount of money I had been refunded said it was over {$1200.00} on {$1900.00} of interest. Then told me to cash the check for {$600.00} chase sent me, it was an inducement to trick me into closing the claim, saying it was my money " go ahead and cash it. '' I asked If I had a credit balance of {$600.00} still in my account and he said " umh, no! so he is basically not telling the truth about the refund the amount I actually received was XXXX XXXX   my account so I only received {$600.00}. A blatant lie.

He promised an itemized response detailing in excess of {$1200.00} of interest charges which I have not received from him. I am in possession, but will not cash the check because Chase took advantage of me by not sending statements and charging excessive fees on revolving interest.

The call was recorded and he can furnish the recording. He also suggested that when cards get issued they automatically withdraw the minimum about due not the total amount due which I always pay. I thought I was set up for full payments not sure how this didn't take.

I hope you will further investigate this matter. It seemed that the person who called from the Chase executive offices wanted me to say I was done with the matter by pressuring me to suggest this at the end of the conversation.

I am not done until I get fair treatment by Chase. I am still awaiting proof that I did indeed get in excess of {$1200.00} of interest returned on the {$1900.00} of interest I paid due to their deceptive billing practices ( they sent the statements to my attorney I am not represented and didn't send me paper statements for months.

I found the call inconsiderate as I was having lunch with a client and high pressure to close the man never respected the appropriateness of his call timing and could not confirm that {$1200.00} of the interest was in fact returned. with the annual fee that occurred when I had this matter roll over for months.
Product: Student loan

Unfortunately, I do not know the company. It is from a blocked number. Someone leaves a voicemail message that says XXXX XXXX wants me to call her at XXXX with student reference number XXXX to talk about repaying my Federal Loans ( which I pay monthly WITHOUT FAIL ). I receive this call at least two times a day. It interrupts me at work and it comes in the evening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent a letter addressed to the Credit Bureaus dated XX/XX/2022 requesting that the Credit Bureaus investigate and correct the statuses of the disputed accounts from my Credit report. I have also been sending letters before the said date and have also been expecting for the Credit Bureaus to respond but the Credit Bureaus never ceased to disappoint me. Under the FCRA section 609 and 611, the Credit Bureaus are required to validate the status of the disputed accounts. I am now submitting this complaint as a means to communicate with the Credit Bureaus and to inform them that if the Credit Bureaus are not able to correct the Accounts, I would highly appreciate it if the Credit Bureaus opted to remove the disputed accounts from my Credit report : XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6700.00} DEPT OF EDUCXXXX XXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against LexisNexis regarding the handling of a dispute I initiated regarding a public record on my credit file. 

On XX/XX/2023, I submitted a dispute to LexisNexis concerning a public record ( reference number : XXXX ) currently listed on my credit file. The record appears to be inaccurate and has adversely impacted my credit report. Subsequently, on XX/XX/2023, I filed another dispute regarding the same public record as it had not been resolved or adequately addressed by LexisNexis. 

Despite my repeated attempts to rectify this matter, I have not received a satisfactory resolution from LexisNexis. Their response, dated XX/XX/2023, acknowledges the filing of a dispute with XXXX, XXXX, and XXXX on XX/XX/2023. However, as of XX/XX/2023, LexisNexis claims they have not received a response from these bureaus regarding the dispute.
Product: Debt collection

I set up a payment plan. I paid every payment until the last two, struggling with a house fire, and a horrible car accident, I explained I need a week for my new debit card to come, to pay for it. 

The representative was SCREAMING at me through the phone, disrespectful, asking for information that isnt his business, and claiming it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided transunion with my correct name and account information 5 times since XX/XX/XXXX. 

Mail XX/XX/XXXX, Certified Mail XX/XX/XXXX, Phone call XX/XX/XXXX Priority mail XXXX/XXXX, Online dispute XX/XX/XXXX, Call XX/XX/XXXX to XXXX, Call XX/XX/XXXX XXXX My name and addresses are NOT correct I have provided my ID and my divorce decree by mail. I have accounts on there that are not reporting correctly, and they have my student loans as negative accounts. I have never missed a payment, if they are deferred or in forbearance they are not late or delinquent. 

I did my online dispute the company said you would be able to upload documents on XX/XX/XXXX it did NOT let me upload but said could fax if issues or Transunion needed me to provide information. I called on XX/XX/XXXX & XXXX-The agents last one XXXX did not even take my information refused just asked what I needed. Both refused to give me a fax to provide ID and divorce decree to although the website confirms they have a fax number. 

Transunion is being allowed to report information that negatively impacts both my credit score and my ability to purchase things or gain credit I need for myself and my children ; especially during COVID-19. They are doing so by not acknowledging items such as government issued IDs and divorce decrees to fix these issues.