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

I deposited a check at a chase ATM on XX/XX/13 for more than XXXX. It was deposited and seemed fine, the next morning Chase debited the money back from my account, and I have not seen that $ since. The check was from my insurance company for IDA damage and the hole in my roof, I have no idea where this check is and how Chase has the authority to take such a large amount from someone with no apparent tracking system. That was 4 days ago and I am still waiting on XXXX, which is what they claim will deliver it, why they took it from my account has not been explained other then " there was a problem ''. I needed this check last week and Chase is acting like I committed a crime or something just by asking, I was on the phone with them for 4+ hours straight, was hung up on, put on hold for hours, and basically treated like garbage when I literally need to know where my XXXX is. I can't be the only one they are doing this to. I had to cancel the roofers and now have further damage to my home, all bc Chase decided to take my check back, for no other apparent reason than it was a large amount and they wanted it.
Product: Vehicle loan or lease

I have had this ongoing issue for over a year now they have a tracking device on the vehicle and they keep shooting the battery to disable the car when I 'm driving it when I leave the house I do n't know if I 'm gon na get home. They even did this to me one time when I was at a red light, also on XXXX/XXXX/XXXX they were attempting to do it while I was on the highway. I have asked to be put on monthly payments instead of every 2 weeks because I only get my sons social security check but they wo n't do it they know my situation yet they continue to call me XXXX to 4 times a day even after I attempt to make payments I was called today and a message was left your running out of time but I just paid 2 payments a week ago I 'm behind because they keep giving me extensions that they already know I ca n't do. This company is affiliated with XXXX which is my previous employer that I have a year long hair-raising workers comp case through which should be over soon and they know this they just want to further ruin my credit and my daughter who is my cosigner she also just went back to work from being out and have her own bills and ca n't pay mine. We are doing the best we can it is at the end and I do n't understand why they ca n't work with me. It 's bad enough I have other issues to deal with not having an income, health issues and XXXX and then I have to worry about them toying with the car calling me all day everyday and attempting to stall the car while I 'm driving they just do n't care they have no value for humanity If your office could assist in just trying to bring some justice to this situation I would greatly appreciate I know it all sounds dramatic and made up but trust with all that I 've been through I wish it was. They are going say we 'll we have been working with her yes to their advantage not mine the battery is so bad from them XXXX it everyday that acid builds up around it and we have to clean it or it wo n't start I have n't invested in a new one because they are just gon na ruin it anyway. This company is bridgecrest and my account number is XXXX and the vehicle is XXXX jeep liberty. They are also probably gon na deny XXXX the vehicle but I was told this when we purchased it and it is also in the contract that they could do this if payments are not received yet to the customer they say we are here to help but they did n't say they would harass or even try to kill by attempting to disable a vehicle while I 'm driving it and not allow you to pay monthly when they know your situation what does it look like to you? I have never had an experience with an auto loan like this I have 2 more months and my case should be ending hopefully I get enough money so that I can pay off the car and be done with them for good if they do n't try to take it first! Thank for your attention to this matter XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 
( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX XXXX XXXX XXXX personal XX/XX/2022 TransUnion TXXXX XXXX XXXX XXXX personal XX/XX/2022 TransUnion XXXX XXXX XXXX, personal XX/XX/2022 TransUnion XXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XXXX Finance, personal XX/XX/2022 TransUnion XXXX XXXX XXXX  Finance, personal XX/XX/2022 TransUnion under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission )
Product: Debt collection

I went to the FTC to file this complaint since the cfpb has not been able to assist a resolution. The FTC website directed me back to the cfpb. So here I am again. My issue has not been resolved. 

I have contacted Portfolio and all three credit reporting agencies on multiple occasions regarding the incorrect information on my credit reports. I have contacted them directly in writing and via the Consumer Financial Protection Bureau ( CFPB ) complaint portal. 

It should not be this difficult or time consuming for me to assert my rights under federal law. 

Portfolio has never contacted me directly. I have never received information from them. They failed to validate/ verify within the timelines provided by the FDCPA yet continue to assert a claim over me via the credit reporting agencies. This is illegal. By law, Portfolio must stop all collection attempts, including reporting to agencies. 

So far, the credit agencies have changed information regarding this account - supposedly due to Portfolio contacting them. Portfolio went from being an active original creditor ( with no account number ), to being an active collection account, to being a closed collection account. 

Which is it? And where is the proof? And why hasn't Portfolio ever actually contacted me with said proof? All of this is illegal. 

I am and have been disputing this incorrect information since I first saw it in XX/XX/year>.
Product: Credit card or prepaid card

On XXXX XXXX, 2021, I purchase on Amex Travel using my Amex credit card an airline ticket for {$98.00}. Due to reasons associated with the pandemic, I was unable to travel so I decided to call Amex Travel and cancel this flight. Amex Travel said that they will give me a credit of {$98.00} to use for another ticket with XXXX XXXX. However, yesterday when calling Amex Travel to use this credit, they are telling me they can only find a divided credit, XXXX for {$51.00} and another for {$46.00} and that I can only use XXXX at a time to book a new ticket. Therefore, if I want to use the full {$98.00} that I paid for on my credit card, now I have to buy with Amex Travel XXXX airline tickets, which is a total scam that I never agreed to. 

I never paid for XXXX tickets, I was only charged {$98.00} on my Amex credit card, in this sense, I am requesting the use of the full {$98.00} credit to buy a new ticket, however, this has been denied repeatedly by Amex Travel even after speaking with a supervisor. 
I tried contacting Amex credit card to initiate a dispute since the service is not been provided as described and not what was agreed upon, that I will have a future credit of {$98.00} to use to buy a new ticket, however Amex credit card refused to open a dispute on the basis that since it was the same company I can't open a dispute with them but I could only speak with Amex Travel agents, I told them I already talk with their agents which keep on refusing to honor the full {$98.00} credit. 

This has left me with a charge of {$98.00} for a flight I never took, and which I will never be able to use as a credit unless I am pressured to accept Amex Travel policy scam, of using partial credit, or buying XXXX tickets, which I never agreed to since I was charged a full {$98.00}. On the other hand, I can't dispute the charge with my credit card just because they are the same company, so I am being forced to accept what was never agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lifted a freeze on my EXPERIAN report. I was denied credit because experian said I am deceased. 
I CAN'T get anywhere with them. They won't talk to me and just want more money to answer questions. Which they never answer. They list my credit score at XXXX. It's over 750.. 
By the way I AM NOT DEAD YET.
Product: Credit card

I closed my Apple card two months ago. A return was made on to my card for {$150.00}. They have not returned it. I can not talk to anyone. I've been left on hold and transferred over and over again. I have no email to contact Apple at Goldman Sachs. All options for complaints are for banks and conglomerates. The hold times and transfers are used as a shield against returning client money.
Product: Vehicle loan or lease

Hello to whom it may concern. I XXXX XXXX received a car loan from WestLake Financial. I did the payoff and then I tried to receive a new car loan or bank loan to see what I was offered. The problem is that nobody is seeing at my credit history the loan I received from WestLake Financial. Not even the companies XXXX XXXX and XXXX. I did a claim on this but I guess it was on the wrong department! 
The account number was XXXX.
Product: Checking or savings account

On XXXX, 2023, I received a check for {$2500.00} which I deposited that day into my Total Checking account at Chase Bank. I received a confirmation email from Chase Bank that the check was accepted at XXXX cst on XXXX, 2023 and that {$2400.00} was available for use. SOLELY because of this confirmation email from Chase, I spent {$1000.00} of the available {$2400.00} funds. The {$2500.00} check was definitely cleared by Chase as it went from " Pending '' to " Available '' status on my account plus I received the confirmation email so I was sure I had the green light to spend it. XXXX days later, Chase said the check was fictitious. It is clearly wrong that Chase would clear this check and send confirmation email saying that the deposit was accepted and funds were available for use. This was unscrupulously misleading. I am out {$1000.00} because of this. I requested Chase to provide me the {$1000.00} back since it was due to Chase 's XXXX incorrect deposit confirmations ( 1 - deposit status changed from " Pending '' to " Available '' and 2 - Chase 's confirmation email ) that I spent the {$1000.00}. Chase has not rectified this situation at all with me.
Product: Credit reporting or other personal consumer reports

Dear Transunion/Experian, I am writing in response to your correspondence regarding my dispute of the account XXXX XXXX XXXX XXXX XXXX XXXX. While I appreciate your response, I am deeply concerned that your investigation has failed to meet the legal obligations set forth under the Fair Credit Reporting Act ( FCRA ), specifically regarding the 30-day dispute resolution requirement.

As you are aware, under 15 U.S.C. 1681i ( a ), you are required to investigate any disputes filed by a consumer and complete this investigation within 30 calendar days from the date of receipt of the dispute. This investigation must include reviewing all relevant information and ensuring that the disputed information is accurate and complete. The law mandates that you make your determination and provide the consumer with the results of this investigation within this XXXX period. 
Your failure to resolve this dispute within the XXXX timeframe has resulted in a direct violation of my rights under the Fair Credit Reporting Act. As such, I am holding you accountable to the following : 1. Immediate Deletion of Inaccurate Information : As required by 15 U.S.C.

1681i ( a ) ( 5 ), if you can not verify the accuracy of the disputed information within 30 days, you must immediately delete the information from my credit report. The information regarding [ Account Name and Number ] is clearly inaccurate, and I request that you remove it from my credit report immediately.

2. Enforcement of the 30-Day Rule : The law clearly stipulates that disputes must be handled promptly within the 30-day period. As you have failed to comply, I expect you to take immediate corrective action, including removing this erroneous account from my credit file and notifying me of the deletion as required by law.

3. Failure to Investigate and Report : If this dispute is not resolved promptly, I will take legal action for willful noncompliance under 15 U.S.C. 1681n, including seeking damages for violations of the FCRA and potential claims under the Fair Debt Collection Practices Act ( FDCPA ). I will also pursue claims for defamation and harm to my creditworthiness.

Please note that under 15 U.S.C. 1681i ( a ) ( 1 ), you are also required to notify me of the results of your investigation in writing within 30 days. If I do not receive a resolution within that time, I will interpret this as a failure to comply, and I will escalate the matter to the appropriate authorities.

Deadline for Compliance : You now have 0 days remaining from the receipt of this letter to resolve the dispute and remove the inaccurate information from my credit report. I expect to receive written confirmation of the deletion by XX/XX/year>. 
I trust you will act promptly to rectify this situation. If this matter is not resolved by the deadline, I will pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state attorney general offices, as well as seeking damages in court. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I would like to express my concerns regarding these disputes with Zelle. I have seen multiple transactions that seemed to not be me as well as accidental payments. This CFPB lawsuit has brought these experiences back to the surface as i would like to recover my losses. With Zelle it can become hard to keep track of payments because information about the transactions are not easily accessible. Also recent scams have been making it more worrisome when using this service to send and receive payments.
Product: Student loan

My XXXX XXXX loan has been transferred to Navient. No where on my account summary, on my monthly statements, nor on the website itself does it give me my payoff date and total number of payments remaining. If not already required, student loan companies should be required to disclose all information, similar to the disclosure requirements of credit card companies. My Dept of Ed loans display this information - why not private loan companies?
Product: Debt collection

XXXX account on XX/XX/year> a Debt collector named " Portfolio Recovery '' at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX acting on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' placed a debt collection on my account for {$460.00}. 

this account is not mine and is inaccurate, not mine, not reporting correctly and is violating multiple FCRA laws including FCRA 's [ 15 U.S.C. 1681s-2 ] section 623 ( a ).

In order for a debt to be on a consumers credit report, that consumer must either have been the account holder or a joint account holder ( also referred to as a co-maker ) and not just a authorized user.
Product: Credit card or prepaid card

I am writing this letter in response to claim number XXXX associated with credit card # XXXX. 

Upon receiving the decision letter on XXXX XXXX, XXXX, along with the information, the merchant provided claim # XXXX. I am providing you with some information to prove that the total amount of {$7200.00} is unauthorized and associated with identity theft. 

My wallet was stolen on XX/XX/XXXX. I first noticed it when I returned to work from lunch in XXXX XXXX and received text messages from BOA indicating two transactions from XXXX ( {$3600.00} each ). And I wanted to call BOA 's number on the back of the credit card, but I then found out my wallet had been stolen. Both unauthorized transactions were made at the same time. I called BOA immediately to report the loss. There is one drivers license, one BOA credit card, {$50.00} cash, and a couple of business cards in the wallet. 

I've opened the claim with BOA twice. The second claim, I even provide solid evidences to prove the information merchant provided is associate to the identity theft activity by the thief, including 1. IP address is not mind, 2. the email address is associated to old account that was expose to ID theft and already been discontinued. 3. I do not recognize the foreign language the merchant provided. 4. The merchant proclaimed that the transactions is for a XXXX game. I have never been to XXXX, and all XXXX games need to be downloaded when a user physically in XXXX. Therefore, it is impossible for me to make the transactions. 5. The thief signed a handwriting form with my driver 's license and credit card in a photo. It is easy to do so with anyone who stole my wallet. However, the signature and handwriting are not match myself. BOA should had my signature on file, but lack of the responsibility to verify it but asking my to be responsible to the transactions the thief made. 6. Not to mention the thief signed as XXXX, which I never used this name. 

I have provided all documents ( including ID theft report, police report, statements against the merchant 's evident in details with image attached ) and faxed them over to XXXX, but BOA seems never looking into what customers provided rather than urging themselves to get the money. This is the third time I attempted to make the complaint peacefully, and I would choose let my attorney speaks for me next time if BOA continues neglecting to verify the true information but being inclined to the merchants even the evidences from the customers are soiled.
Product: Consumer Loan

Around XXXX 2005 My wife and I purchased a home in XXXX, az we put $ XXXX.down..The Mortgage Holder was XXXX shorty after that we received a letter from Chase that we qualify for an equity loan.. we wanted to remodel so we went in and talked a loan officer.. XXXX XXXX XXXX personal banker XXXX XXXX she told us that we qualify for {$17000.00} and it would be attached to our home with a interest only payment..we used the funds to remodel..we had the home for about 4 years.. then the economy went bad.. I had some medical problems could not work..the house went into foreclosure I was told by XXXX banks that the {$17000.00}. ( heloc ) would be included in the foreclosure..well it was not! I Went to chase to talk to them.. they told me that it was not legally collectable..however they have the right to refer it to the collection dept..and they have been harasing me for the last 5 years ... is this legal?
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, credit reporting agencies, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) account # XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.
Product: Mortgage

My bank XXXX, via web pay bill, paid my mortgage to Wells Fargo on XXXX XXXX 2015. For over a year Wells Fargo had received payments via this method and applied the funds to my mortgage. This time Wells Fargo did not apply the funds to my mortgage but instead somehow misplaced and lost the payment. It took nearly 5 weeks for Wells Fargo to locate and return the money. Meanwhile I had to pay my mortgage again as to not be late on my payments. Wells Fargo refused to pay any interest on the money they held and did not compensate me for the over drafts on my account due to having to pay my mortgage XXXX in one month.
Product: Debt collection

Someone has fraudulently opened an account using my details and all three credit bureau agency are still reporting this charge when its not mine. 
I have called all credit agency XXXX XXXX and XXXX but they arent assisting me at all. 

Name and address of the account in collections is XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Amount is {$300.00} When I called the credit agency they ask me if I have been to this place and state I clearly tell them I have never been out of New York and not have this account out of New York.