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

I have contacted the XXXX company numerous times asking for a list of the devices that are signed into my account. I have an online banking account with XXXXXXXX XXXX and it shows me the devices. I have an online account with XXXX XXXX and it shows me the devices, although I have to keep removing an XXXX that wasnt put on there and then it says XXXX Now it doesnt say it just says XXXX I have attached a copy of the XXXX XXXX one also apparently my bank is undergoing maintenance so I cant attach the copy of it. Chime does not have XXXX when calling and asking a representative back like youre stupid. I also do not know why XXXX XXXX keeps continuously having a second device attached when I didnt attach it before it said XXXX XXXX now it says XXXX XXXX Pennsylvania XXXX
Product: Credit card

I have had this card for a awhile the XXXX card with Celtic Bank since XX/XX/XXXX. I was on a payment/re-age plan with the bank on XX/XX/XXXX yet they kept reporting me as past due and have reported my past due 90 days twice. This is not accurate. I was reported 90 days past due twice on top of the other past dues. When I called, the rep told me that they do not have access to the reporting information, it is out of their scope. 
XXXX XXXXXXXX XXXX Last reported XX/XX/XXXX Open balance {$500.00} Credit limit Credit limit {$500.00} Confirm card for your account Tell us which card this is so we can show you additional card details. 
Please confirm : do you carry a balance on this card every month? 
We'll tailor the advice below based on your answer. 

Yes, I carry a balance No, I pay it off OVERVIEW Credit limit {$500.00} Minimum monthly payment {$35.00} Opened XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) PAYMENT HISTORY You've made 69 % of payments on time XXXX Last payment XX/XX/XXXX Payment status Current Amount past due {$0.00} Worst payment status XXXX days late ACCOUNT DETAILS Account status Open Type Credit card Responsibility Individual Remarks -- Times XX/XX/XXXX days late XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX ( XXXX ) XXXX See a mistake? 
She repeated on time payments back to me. I spoke with XXXX. I was told that the program would bring me current status. My fees are very high. XXXX month fee. XXXX annual fee. Interest charge 33.65 % percent interest. I want this taken off my account and investigated.
Product: Credit card

Please accept this request for CFPB assistance resolving a complaint that I have with Chase, both Chase Bank and Chase XXXX. 



I paid for a car rental with XXXX using Chase XXXX points through the Chase XXXX XXXX ( see confirmation attached ) on XX/XX/XXXX. 

On XX/XX/XXXX, {$790.00} was charged to my Chase Sapphire Reserve credit card. 

I filed a dispute between XXXX XXXX XX/XX/XXXX via phone call. I received a letter from Chase on XX/XX/XXXX via the Notice and Letters section on my Chase online banking system requesting for further documentation and a form to be completed. I provided the completed form and provided documentation from Chase XXXX that the reservation was paid for using points. 

My claim was denied by Chase bank citing that the email confirmation from Chase XXXX was insufficient evidence. Chase XXXX has advised that the email is sufficient evidence. 



I have been communicating with XXXX, she is from the Chase XXXX XXXX Department. She currently has an open case to assist me with this issue, identified as XXXX. She has confirmed that this trip was paid for in points. She has been trying to reach out to XXXX, however they have been impossible to reach per her report. She even has her own supervisor assisting with this issue. Multiple emails have been sent and they are still waiting to hear back from XXXX, as they have not been responsive. The Chase XXXX department has been working on this issue since XX/XX/XXXX. There has been minimal to no response from XXXX as of XX/XX/XXXX per XXXX 's report and she repeatedly states that both she and I are " getting the runaround '' from XXXX. 



I am frustrated and confused. I chose the Chase card for the travel benefits and yet when I used them, as per their instructions and their disclosures, I am not only charged a fee that I did not expect but am left with a fairly abusive process attempting to have this charge removed from my bill. It is unfair that I pay an annual fee for a stated benefit and then do not get that benefit. I respectfully ask the Bureau to assist in the resolution of this dispute. 

This complaint is for Chase Disputes, Chase XXXX, Chase Bank, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion refused to explain or tell me how they verified the XXXX   XXXX account. It also says i last paid in 2017
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is a letter I received from XXXX XXXX in regards to a data breach and my personal information being compromised by the data breach. The following hard inquiries currently listed and showing on my Experian and XXXX credit report is fraudulent, unauthorized, not my hard inquiries and is the result of the XXXX XXXX XXXX breach that was discovered on 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
Product: Mortgage

I worked with a couple of loan officers at Guaranteed Rate in late XX/XX/XXXX/early XXXX, to secure a mortgage on a single family home that also allocated funds for its renovation. I closed on XX/XX/XXXX. The purchase price of the home was {$410000.00}, but the mortgage was valued at {$500000.00}, based on the estimated appraised property value once the work was to be completed. The General Contractor I chose for this project, was solely based on a referral from the loan officers because they said he was familiar with the process, so I felt using him would minimize my risk and keep me from sharing an all-too-common homeowner experience of working with a bad contractor and losing money. I was told by the GC the process would take about 4 months to complete - so Early Summer XXXX. 

This GC took advantage of the process and myself, but the biggest issue is that he was not made by XXXX to submit architectural drawings for the underwriting process. What I have learned since XXXX ( from individuals both inside and outside of the company ) is that those drawings were supposed to have been submitted as due diligence in the process. 

Because these drawings were not done, the GC wasnt ready or able to complete my project. After over a year of inaction and an attempt to extort me for money that wasnt due, I eventually fired him in XX/XX/XXXX. I have placed countless calls to my loan officers, Guaranteed Rate customer service specialists, the originator of the bank, and have gotten nowhere. After keeping me stagnant, requesting that I negotiate with the contractor who was obviously giving false invoices, and not trying to negotiate, Guaranteed Rate has finally given approval for me to replace him. However, this is after I have now been paying over 2 years of PMI fees ( because this was supposed to have been refinanced shortly after the work was completed in Summer XXXX ) and also have missed out on being able to do so but now I have an even bigger issue. 

I have recently been interviewing architects, many of which expressed the lack of convention of the project and how there could be zoning issue that impacts the feasibility of the project. The projected estimate for the project is much higher than what I have remaining in my loan, and I dont know if Ill be able to finish. I dont believe its my responsibility to carry the burden of getting an additional loan to finish it, after already experiencing significant financial loss due to Guaranteed Rates improper management. 

Had Guaranteed Rate demanded drawings from my GC before approving the loan, this project either would have potentially been 1 ) rejected from the outset due to lack of feasibility 2 ) accurately funded based on what was actually required to complete it or 3 ) would have been completed by now and would be a non-issue. 

The lack of support Ive received over the past 2 years when they have acknowledged wrongdoing along the way has led me to file this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving my consumer report from the credit bureaus, I notice a fraudulent inquiry from Exeter Finance on XX/XX/21. I notified the credit bureaus through CFPB and the inquiry was deleted. Exeter Finance violated federal law. see 15 USC 1681b A2. I did not give Exeter Finance Written instruction to furnish anything on my report. They are civilly liable for this issue. I recently tried to apply for housing and was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the federally protected consumer. I am not being coerced by any third party agency. I have more evidence in regards to this company 's willful negligence. I am aware they are attempting to collect on behalf of someone else, however, this company is furnishing inaccurate information furthermore violating my federally protected rights as I never gave permission to them directly to furnish anything to my consumer report. They are also furnishing transactions and history between a creditor and I, which, according to law should be excluded from consumer reports. This company is a VIOLATOR!
Product: Credit reporting or other personal consumer reports

XXXX and Bridgecrest shared my personal information with multiple companies without my consent or giving me the opportunity to opt out. 
I also requested a cancellation of debt from the Trustee XXXX XXXX. 
I have sent the US code, CFR and IRS documentation to update the debt payments on my credit report.

They are abusing their power and sharing information without permission, taking advantage of their resources instead of properly using it's resources for just resolutions.
Product: Credit reporting or other personal consumer reports

I filed a dispute for incorrect information on my credit report, and I received an email from the credit bureau stating that they assumed the disputes were coming from a third party. However, the disputes were submitted by me directly, not a third party. I even called them to verify my identity, but they still refused to process my disputes. I ended up wasting money on mailing the disputes and sent personal information to verify my identity through mail, only for them to not thoroughly investigate the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Money transfer, virtual currency, or money service

On XX/XX/year> at approximately XXXX XXXX, I received a text message from phone number ( XXXX ) XXXX from XXXX  fraud alert asking if I had authorized a Zelle payment of {$2000.00}. I replied no. This generated a phone call to me from this same number. They told me I had to take certain steps to reverse the Zelle payment. I was skeptical, but followed instructions on how to get my money back. Within an hour, I called XXXX and reported that I had been scammed. I filed a claim with the fraud department the same day and was told I would get my money back. They asked me if I sent it to myself at another account to which I replied that I have no other bank account with XXXX  or another bank, other than an XXXX account through XXXX. ( On my bank statement, it also shows that it went to XXXX XXXX ) I followed up the following week and was told that the claim was closed and I had received a letter electronically, see attached referring to claim number # XXXX saying that no action would be taken and the inquiry is now resolved. I tried to reopen a claim today through XXXX, and was told it was not possible. I have tried for XXXX months to contact Zelle and have never been able to file a claim through Zelle, but have requested that someone contact me about me filing a claim. I am aware of the CFPB lawsuit with Zelle and am familiar with XXXX XXXX I just want my money back
Product: Checking or savings account

Ive always suspected that navy federal was doing shady bussiness because there were several times when I called about unexplained over draft fees when I knew I had money available and they would say I didnt and thats why the overdraft fees were charged. This has been happening to me over the years Ive been with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, The following inquiries known as Credco is reported on my XXXX  and XXXX  credit report and they are not mine. I contact both the company and credit bureaus to remove this and they have yet to comply. This inquiry has the date of XX/XX/2019.
Product: Mortgage

I purchased a condo and opened a loan with CrossCountry Mortgage. They have been harassing me from day one about insurance. I have sent them my insurance informational several times They ask for me to purchase more ( They even purchased {$5.00} worth of insurance and charged me {$.00} because this is how inept they are ). Today they are asking for flood insurance which was not required to purchase the condo. I do have a policy in place for myself and the condo has a master policy. I have forwarded this to them. Today they are asking for more flood insurance. This company does not seem to know what they are doing. Their harassment needs to stop or I ask that they sell my mortgage to somebody else.
Product: Money transfer, virtual currency, or money service

XX/XX/2018 - I was informed that non-account holders can no longer deposit cash into Wells Fargo accounts per Wells Fargo 's policy
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX and XXXX XXXX XXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting or other personal consumer reports

**Reason for Request** In 2019, I encountered significant financial challenges due to the XXXX pandemic, which impacted millions of individuals in New York and across the country. The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, which amended the Fair Credit Reporting Act ( FCRA ), mandates that accounts affected by the pandemic and related payment deferrals should not be reported negatively on credit reports. 

1. **Protections under the CARES Act** : This legislation requires that payment deferrals due to the pandemic should not adversely impact credit reports. However, my credit report inaccurately reflects late payments and a vehicle repossession, failing to account for these legal protections. 

2. **Vehicle Repossession** : My vehicle was repossessed in 2019 without proper notification or authorization. According to New York Uniform Commercial Code 9-609, strict procedures govern vehicle repossession. If these procedures were not properly followed, the repossession may be deemed unlawful. Additionally, the New York Consumer Protection Law mandates specific standards for vehicle repossession to protect consumer rights. 

3. **Additional Details** : The original balance was {$17000.00}, and I owed {$5600.00}. Despite having paid {$11000.00}, my vehicle was repossessed and sold by the creditor, who retained all proceeds from the sale. I did not receive any portion of the sale proceeds. My credit report still reflects late payments and repossession, which does not accurately reflect the payments made or the circumstances surrounding the sale of the vehicle. 

**Request for Action** Given that the account and related events occurred in XXXX, a year heavily impacted by the pandemic, I request a thorough review of the information on my credit report. The negative information related to late payments and repossession should be removed in accordance with the protections established by the CARES Act and the New York Consumer Protection Law. 

I trust that this matter will be resolved fairly and promptly, considering the exceptional circumstances of 2019 and the relevant legislation. Thank you for your attention to this issue. I look forward to a favorable resolution. 

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

Signed up for free trial with XXXX ( experian ). I cancelled the account within a week yet they continue to bill my credit card. I am not sure who runs this organization ... but they are scam artists. I have confirmations that my membership is cancelled. Everytime I call they say I have a free membership but they continue to bill. I can get through to an operator because they say I have a free membership. I even get emails three times a week to update my credit info. I am not sure how they get the charges processed with my bank. I think they must have used my information from my file without my authorization. Please help ... ..I can't afford {$360.00} a year.
Product: Credit reporting or other personal consumer reports

Upon recently checking my credit reports I found that there were fraudulent inquiries from companies that I dont recognize. These Inquiries are listed below. And companies that was wrongfully opened are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Penn credit corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 4 request for Equifax to verify in accurate accounts on my consumer report I asked for them to send me documentation they have in their files that they used to verify these accounts ( FAIR CREDIT REPORTING ACT, 15 U.S.C - 1681g ) I have not received any response from Equifax regarding these accounts. I have asked for them to send me the documents and not to just send that they have been verified I would like documentation that show this and if not documentation is not there to immediately delete them under section 611 ( a ) ( 5 ) ( A ) ( I )
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and TXXXX are reporting incorrectly ( 60 ) days late on the XXXX/XXXX partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX TransUnion XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX XXXX
Product: Debt collection

I have requested this company to delete this account for continuously violating the FDCPA by calling both of my phones multiple times per day, harassing me about a debt that they " validated '' by sending me a made-up invoice that they must have thought I would accept. You have bought this debt for pennies and now you choose to harass me and violate my consumer rights. This is not the way you conduct business. Please stop all forms of contact and delete this account from all NCRAs database and erase my information from your database as well. This is my last attempt to remove this item from my credit report.