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

On XXXXXXXX XXXX XXXX I received a text that there was fraudulent activity happening with my chase account. I have received this text many many times before. I was told to confirm that I received the text and that I would be called by a chase representative within 5 minutes. I confirmed it. The chase employee told me they were making sure that I authorized a {$2000.00} transfer through XXXX. I told them no, I didnt. They explained to me that I needed to open my banking app and access the XXXX tab and that in order to get my money back I had to resend it back to myself to stop the payment going through. Through about 15 minutes of me questioning what I thought was a scam, I was reassured it wasnt with employee numbers and the whole nine yards. Long story short, I was scammed to send {$2000.00} through XXXX to a stranger. When I realized what had happened I IMMEDIATELY called the chase number on the back of my debit card to which they told me they could do nothing. I called XXXX after that to be told the same thing. I then called chase back again to have my account locked and shut down, to have a new login username as well as password, stop my debit card and have a new one sent. I actually had them completely close the current account. I was hysterical. As a mother of 5, I could not understand what had happened and why chase could not help me. I dont understand why chase promotes, supports and honors XXXX on their website if they have no access to even speak to the company. They told me they dont even contact XXXX XXXX help with scams. Essentially, I was told I lost {$2000.00} and to be smarter. The only reason I kept questioning my sanity through the entire process of being scammed was BECAUSE this XXXX scam was happening through the chase app. I dont understand how I can be scammed on my chase app through XXXX and yet chase has XXXX jurisdictions to help their customers. I wouldnt have trusted XXXX had it not been on their app. I dont use money transferring apps, never had and never will again. I had the name of the person that scammed me ( XXXX XXXX ) aka the chase employee as well As his phone number ( ( XXXX ) XXXX ) that I have tried calling and requesting my money back through bc that was the advice from chase. If they have to ability to see the name and phone number of this individual why doesnt chase have the ability to find out where my money was transferred, contact THAT bank and get my money back. Why have XXXX on their website if they cant do anything for their customers through this company they are supporting and promoting. I was told they wouldnt stop trying to get my money back but that they can not just give it back to me. I have been waiting 4 months to receive my money back and have not even gotten the courtesy of an update and I want my money back. If chase can not have any authority over XXXX or help with XXXX in any way, they need to remove XXXX off their website or find a way to better be able to support their customers through the company and communicate.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company did not even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. 

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above-mentioned section, I could not understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors and unfair credit card practices.

From your end, I have not benefited from this transaction which is again a violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), the term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the cardholder receives no benefit. 

I hereby request you to do the below-mentioned thing. 
DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( XXXX ) XXXX XXXX CAPITAL ONE  XXXX XXXX XXXX XXXX If you accept my request , I will not escalate this matter to Federal Court, in case, you do not accept the above request a legal action may be taken against your company for compensatory damages.

Thank you for your attention to this matter. 

Sincerely, XXXX : XXXX. 

All Rights reserved without prejudiced
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  DEPTEDXXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  DEPTEDXXXX
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 confidentially under 15 USC 1681. 

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, has violated my rights. 

15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( CLOSED ) XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX  XXXX Also address and my name is wrong!
Product: Mortgage

At the end of XXXX XXXX, Carrington Mortgage Services LLC offered to refinance my home and asked for a loan estimate from another company to see if they could offer me a better deal. Carrington offered me a conventional loan with much better numbers than the FHA loan I was considering from another lender. A payment for an appraisal was requested at that time. Because I had previously had a bad experience with an appraisal service, I told Carrington not to use that particular appraisal service. Two days later I received a call from the appraisal service I had the bad experience with, so I called the loan officer and told her again NOT to use this appraisal service. Another appraisal was ordered through another company and a refund for the first appraisal was issued within a week. I then paid for another appraisal from another company. I was told the appraisal would be approximately {$40.00} more, but in fact it was {$65.00} more. The day after the appraisal was ordered, the terms of the loan changed and the conventional loan had morphed into an FHA loan with numbers comparable to the first company I had received a loan estimate from. During the next week, the loan estimate changed two more times, so I contacted the loan officer and her manager to inform them I was no longer interested in pursuing a loan with Carrington and would they please return the appraisal fee. This was on or about the XX/XX/XXXX. A couple days later I received a notice from Carrington stating that my loan had been denied because, " We do not grant credit to any applicant on the terms and conditions you have requested. '' This adverse action caused my credit score to decrease when I was the one who canceled the loan process because of a lack of communication and an abundance of misinformation ( lies ). As of today, XX/XX/21, I have received no communication regarding an appraisal refund and no refund has been issued to my credit card.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I see inaccuracies on my account. These hard inquiries listed below need to be removed within XXXX or XXXX  days. These accounts being reported on my credit report cost for action of the deletion because these accounts show many inaccuracies or fraudulent charges, not made by me across all bureaus show that these accounts are in clear violation of my fair credit reporting act
Product: Debt collection

XXXX  is still showing an unpaid collection on my report. I paid this collection on XX/XX/2019 with my XXXX XXXX. 

The collection was {$550.00} with XXXX, and the original collection agency was Jefferson Capital. When I called them in XXXX, they had turned the collection over to XXXX XXXX. 

I am attaching both my recent copy of my XXXX report, and a copy of my XXXX statement that showed I paid it.
Product: Debt collection

XX/XX/XXXX HunterWarfeild is alleging that I owe {$770.00} or so the amount keeps changing on my credit report the amount keeps going up. I reached out to this company and asked for a signed contract they sent me back a contract with forged signatures that are not mine. I wrote them a letter to explain that this information is incorrect. Im not satisfied with this being on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX 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: Debt collection

I moved into an apartment in XXXX XXXX and when my lease was up I moved out. The apartment manager or owner is attempting to collect a debt for what I assume is repairs or something to the apartment but when I moved in I paid a security deposit that should have covered it but they are claiming I owe them over {$800.00} which is impossible. I filed a dispute twice with XXXX  and my disputes went nowhere. I was never given documentation proving I owed them this insane amount of money and never returned my security deposit so this needs to be taken off of my credit and XXXX isnt giving me good results.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, XXXX and Experian for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. 

On XX/XX/2023, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. 

Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Product: Checking or savings account

UNABLE TO OPEN ACCOUNT. 
THE COMPANY DOES NOT TELL ME WHY. 
I NEED TO KNOW SO I CAN FIX THE PROBLEM.
Product: Vehicle loan or lease

Regarding XXXX country of XXXX and Exeter Finance llc, purchaser and buyer. This matter consists of fraudulent and incorrect information on parties auto loan agreement. Written copy of loan agreement was not provided to buyer or cosigner during purchase. Was given XXXX XXXX that required payment to view which soon after expired. XXXX is extremely higher than agreement. Contract is predatoryly unfair and should be considered as Usury. Would of never agreed on paying almost XXXXXXXX XXXX for an used XXXXXXXX XXXX vehicle. Complained to XXXX  which caused lender to email purchaser that company wanted to help but when contacted was only concerned with when and how much would be paid. Lenders employees gave false information of amount of payment for 30 day grace period due to repairs needed on vehicle that dealership refused to repair under active kunes no fear warranty. Correct payment would have been made if employee would have given Correct information which IS documented on phone conversation with lender. This is another fraud concern since lender immediately charged fees for breaking agreement and never worked with buyer in this situation. This caused buyer to be behind two payments ever since. Lender calls multiple times daily just to be told the documented conversation on biweekly payments being made in attempt to update payments. Were I believe fraud came into play was with dealership. They either mistakenly switched cosigner and buyer ( my belief is because cosigner had auto insurance but buyer did not at the time ). This was done without consent and would be financially impossible because buyer ( who is switched to cosigner ) at that period has a subpar below XXXX credit score. Cosigner ( which is now buyer had sole auto AND mortgage loan ) would've never been approved financially for that loan and it makes no sense for sn XXXX credit score to cosign. Would not have needed subprime lender or cosigner with XXXX credit score would have been done through bank not dealership. This has put grave financial burden on our family and impacted both of our credit scores and the ability to lend. Have no knowledge if dealership lied about finance for approval and its very concerning. Lender has many worrisome lawsuits and settlements for this reason plus many others.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX had a fraudulent account opened in my name, and it was only reporting to Experian. I contacted Experian and filed a dispute that the XXXX XXXX account was not mine. They returned with a confirmation that it was my account. So I submitted a second dispute on the same fraudulent reporting against XXXX and they again, claimed that it was mine. 

The difference in this second submission of disputing with Experian is that I contacted XXXX XXXX and resolved their problem. XXXX confirmed that it was not mine and sent me a confirmation that they would expunge the record from my name internally and on all the bureaus. A day later, Experian reports to me saying that they've verified that the negative XXXX account is mine. 

I am exhausted from the amount of crime that comes from that organization called Experian. They are responsible for the largest data breach in history, but they also didn't verify anything and lazily reported back to me that it was my account.
Product: Credit reporting or other personal consumer reports

Experience has failed to fulfill its legal obligation under the fair credit reporting act FCRA to conduct a reasonable reinvestigation of disputed information on my credit report leaving an accurate or unverifiable accounts unresolved the consumer financial protection bureau has recently found a lawsuit against experiencing systematic issues such as failing to forward consumer provide evidence to furniture 's accepting unreliable response and failing to adequately notify consumers of disputes outcome this failure aligned with my experience word experience has either corrected nor removed Disputed items despite the events I provided causing ongoing harm to my credit standing I am requesting immediate correction actor to remove or amend the dispute account as experience in action body 's federal law and my rights as a consumer
Product: Mortgage

I had an original loan with XXXX bank.it then became XXXX XXXX bank. the loan was then old to Specialized Loan Servicing ( SLS ) in XXXX XXXX that is when the problem started. I had asked for a repayment plan for the {$1400.00} I was behind. XXXX bank told me all the paperwork for the repayment plan would be forwarded to XXXX. I have been waiting close to two years now for the re-payment plan. I missed another payment but they kept telling me to submit a packet of forms that were for re-finance. after at least XXXX packets, they still did nothing. they keep saying " we are reviewing the forms '' or we need more information. I never asked for a re-fnance. after waiting all this time, about a month or so ago they added on some type of " escrow fee '' for over {$5000.00}. then on my most recent bill they added even more.they gave no explanation for either of these fees. now the bill is over {$13000.00}. I have no explanation as to why. then a few days ago I received a letter saying I had thirty days to dispute the claim, they are trying to do a foreclosure. the back fees due according to them are about {$4000.00}. where they are coming up with over {$13000.00}, I have no idea. there was no prior letter sent. I only received XXXX letters saying I was being assigned a new case manager. 
no mention of foreclosure or why all these other fees were added to loan. I have equity in the house, so I am not understanding why they did not just add the overdue to the loan and refigure the payment amount. it was just that simple. 
I am not the only person having this problem with this loan company. I have the lawyers at XXXX XXXX XXXX, XXXX working on a class Action Lawsuit. there are many comp many complaints against this company. I hope someone stops them from doing this to people.
Product: Money transfer, virtual currency, or money service

I Am Filing A Complaint Against Cash App ( Block, Inc. ), Due To Inadequate Customer Service And Unfair Practices, Which Violate The Consumer Financial Protection Act ( CFPA ). Specifically, Cash App Failed To Take Timely And Effective Measures To Prevent And Address Fraud On Their Platform, Leaving My Account Vulnerable And Unprotected. Furthermore, Their Dispute Resolution Process Was Unfair And Deceptive As They Did Not Comply With Error Resolution Requirements Under The Electronic Fund Transfer Act ( EFTA ), And Regulation E. These Actions Have Caused Significant Inconvenience And Financial Loss, And I Seek Appropriate Redress For These Violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX all ftc violations fcra inaccurate information showing on credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX  via telephone XX/XX/2020, after XXXX XXXX notified me of a negative collection on my account. I also received a statement from RPM aka Receivables Performance Management Company late XXXX in which I responded by US mail stating I did not owe this debt and show me your proof. I still have not received a response from RPM When I spoke with customer service at XXXX, I was told it this negative collection by RPM was removed and put back on my credit file at at the request of RPM Company. At that point, I asked to speak with a supervisor. A supervisor named XXXX took my call. Told me it was not up to them to verify information. I told him that was incorrect. There job is to verify consumer information. Told him I mailed XXXX  a package with all my receipts and pertinent information that validates my claim. I gave him the USPS tracking number and he said they never received it and continued to tell me to work it out with RPM Company. This supervisor with XXXX  had a strong foreign accent as did the first XXXX  employee who assisted me and it appeared to me this people were from another country handling the calls and had no experience and gave me wrong information. They are supposed to verify all information from me and the collector which they did not do. 

XXXX/ supervisor with XXXX told me I must have sent my package to wrong address. It was mailed with tracking to their XXXX. XXXX XXXX - XXXX, PA, which I verified with him. Still he said they never received it. I am at wits end for this has affected my credit file. XXXX  will not place this collection on my credit file because they could not verify RPM Company 's collection on me. My credit score with XXXX  is excellent but XXXX  continues to defy my requests to get documentation from RPM company concerning this so called debt they claim I owe.