23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Chase ( XXXX ) Auto Finance reported a payment to both my credit report and my wife 's as 30 days past due ( 33 days to be exact ). The account was under SCRA protection, as I was on XXXX XXXX with the XXXX during the month of XXXX. During the month of XXXX two payments were made on the account by my wife. However after making the payments she wasn't sure they both would count for monthly payments. She called Chase and was informed one was a mistake and would not count for a monthly payment. She was then sent a refund check for one of the payments. I now know that after spending 2 -3 hours calling Chase today that had the second payment been left, it would have counted and we would not have been 30 days past due. I'm also upset that I notified Chase I'd be on XXXX XXXX and in the past they've always made the effort to call me if a problem with my account. This time they just let it go past due and reported it to our credit. In addition, my wife did try to make a payment on XX/XX/XXXX to alleviate this but it did not go through on the application and unfortunately due to my absence and later return, along with the holidays she did fail to check. Regardless I feel that to some degree this late payment is on Chase as we were given a refund which made our account past due also I was never notified about a delinquency. Finally in talking to Chase today I was told by one Credit Bureau Reporting Specialist " XXXX '' that this information was wrong and it was not reported to the credit agencies only to find out that it was in fact reported. I feel like I was deceived and told this only to get me off the phone. Please investigate.
Product: Credit card

I purchased XXXX items ( XXXX XXXX ) from XXXX, later returned XXXX of them in compliance with their return policy, and requested a refund for the XXXX returned items. 
On XX/XX/2024, the merchant credited my account XXXX for XXXX item only ( item 's original price minus prepaid shipping cost I believe, which I don't dispute ). My email inquiry to the merchant remained unanswered, and on XX/XX/2024 I opened a dispute with the credit card company for the remaining XXXX. 
On XX/XX/2024 the credit card company closed the dispute in favor of the merchant and notified me : " A letter detailing your dispute resolution will typically be available in your Notices & Letters within XXXX hours ''. 
As of XXXX, there is no letter addressing my inquiry. My additional request for clarification sent by email to XXXX on XX/XX/2024 remains unanswered.
Product: Checking or savings account

I " rent '' a XXXX XXXX XXXX from Chase. It does not work. I have gone through the tech support process with Chase and they are unable to fix it, but are also refusing to remove it from my account. They are forcing me to pay XXXX XXXXXXXX for a XXXX XXXX  that I can not use. I had an appointment with their " tier 2 '' support team on XX/XX/XXXX XXXX XXXXXXXX, and they failed to call. They are charging me for a product I can not use and they refuse to support. This is FRAUD.
Product: Money transfer, virtual currency, or money service

I signed up to XXXX to use there payroll services in early XX/XX/2021. I did everything they asked to verify the account. I even sent extra verification via email. I was able to approve payroll for XXXX employees and XXXX  independent contractors. The company debited my account for payroll on XX/XX/XXXX, but froze the account the next day and asked for additional verification for the XXXX contractors. I sent that verification to them via email. Then on XX/XX/XXXX the company decided that my company was not able to use there services and the money would be refunded with in 65 days. Once a week I contacted them through the chat service to check the status of the refund. No movement was made as to giving me my refund. I continued to ask questions about my refund, but received not assistance. I was refused a supervisor and finally blocked from contacting live chat. Now I am limited to email which has a 10 day waiting period and then they have no calling number. Their website is completely fraud, by saying they would prefer to have a live chat instead of a phone number. I am looking for answers to this issue of getting my money back into my account. If they were not going to process my payroll then they should have never took the funds out of my account. 

attached are FTC filing about the company and most resent attempt to contact a live support representative.
Product: Checking or savings account

I paid for two services that were misadvertised to me and when I contacted the bank they gave me provisional credit. Now they are taking it back and claiming I was incorrect to file the chargeback since I can not provide enough evidence. I am not a detective, my money is going to be stolen from me by the bank for a service XXXX wont be using which is ridiculous. So Im paying {$800.00} for yearly services I wont be using.
Product: Credit reporting or other personal consumer reports

Fraudulent Inquiries 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 TransUnion XXXX  cc : FTC ID Theft Report XXXX
Product: Debt collection

A XXXX bill was reported to my credit file XXXX for an amount of {$110.00} pm XXXX. I asked for the company to send me VALIDATION that this account belongs to me. The company sent me VERITY and not VALIDATION. I would like for this account to be DELETED from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to call the credit agencies about the incorrect information on my report each one requested a ftc report. They said once they receive a ftc report they will cooperate and take the inquiries off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and remove : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in Identity IQ and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XXXX, Experian XXXX XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXXXXXX I believe it was reporting in error. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$12000.00}
Product: Vehicle loan or lease

I've contacted this company several times over the last year because the balance that's being reported isn't correct.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete all accounts and inquiries listed below from my credit file, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) due to my victimization in a recent data breach. These accounts and inquiries were opened or reported without my consent or knowledge and are the result of fraudulent activity.

Please ensure that all of the following accounts are blocked, deleted, and marked as " fraudulent '' on my credit report : Accounts to be blocked and deleted : 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention XXXX and if possible XXXX and TransUnion Delinquent Account ; XXXX   XXXX XXXX for {$120.00} Date Assigned XX/XX/XXXX This delinquency is not mine. If this is regarding a XXXX XXXX Account that had been billed in XX/XX/XXXX this issue should have been resolved in XX/XX/XXXX. I contacted XXXX XXXX XXXX about the error in my account. After providing information requested they said they closed their inquiry. They said they informed the credit bureaus which they do business with and requested to delete their listing about this account. " However, because your social security was not provided to us, we will be uncertain as to whether our request will be accurately processed by the agencies notified. '' Now it appears this is being handled by XXXX   XXXX XXXX This bill was never mine. The address on the bill was to Same address but XXXX That person happened to have my same name I guess. It was a cable bill so it was specific to the address where it was routed to. In addition a believe my SSN and ID # did not match. Please Correct
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$240.00} XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX Balance : {$940.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I begin caring out the conditions of my loan agreement with Inbox Loan. I was set to pay XXXX each pay period until the XXXX I borrowed was payed. My interest rate was 780 %. I was offered three payment options. 1. to pay the loan in full 2. make an additonal of atleast XXXX dollars along with my regular payment of XXXX or 3. just make my regular XXXX until the loan is paid off. So today XXXX, three months later and XXXX XXXX payments later, I ask the rep what my pay off amount was. I was told three months later my pay off was XXXX. I only borrowed XXXX. Then I was told that included XXXX dollars for interest that is computer daily. So my confusion comes because I have a similar tribal loan with another company with an APR of 675 % and I borrowed XXXX dollars with this lender. and I received both loans with Inbox and the other company at the same time. My payoff with the other company the same amount of time later ( 3 months ) is XXXX. So basically what Inbox Loan is telling me is that of the XXXX dollars I have paid only XXXX dollars or so have gone toward the XXXX I initially borrowed. I do not dispute that this is an expensive form of borrowing but when I have a similar company that does the same thing and the same type of computing of APR 's as you and the amounts are that drastically different something illegal and underhanded is definitely being done. You are taking advantage of people 's situations and somehow some way you are breaking the law and it will be revealed. As the person who took the loan out there's is nowhere on your website where I can go pull any information about my loan for myself. Just my loan agreement. But there's no break down where the consumer can see. Since I am paying these high amounts I should be able to see what was computed and what amount went to my principal and to interest. I am told several different things each time I call and we are dealing with thousands of dollars so now I don't believe this is a fair company and you shouldn't be in business and you can still be sued. Your own contract is null and void once you start lying and deceiving the consumer. What I want is to revoke the wage assignment that was included in my loan agreement and I need a break down of these APR charges so that I can compare with the other tribal loan lenders I have dealt with. One of which that I still have and am on my last installment and again I got that loan in XXXX as well and it was for XXXX dollars not XXXX. Companies like you give the whole industry and bad name and make it so hard for consumers to find companies who are fair about their practices. 

the rates chart online is for if you borrow XXXX dollars and I borrowed XXXX, but my payments were still as if I borrowed XXXX. Whether or not it was a few dollars less I have been overpaying this entire time. After three months, 12 payments of XXXX later I still owed XXXX and I only borrowed XXXX. The company hurried and closed the account as paid in full but I am sure they did due to the fact that they have robbed me blind already and they were more than likely hoping I wouldn't figure it out.
Product: Mortgage

My mortgage originated without an impound account and I have made several attempts to get my mortgage servicer to remove my impound account for property taxes. Their customer service representatives are telling me my only option is to refinance my mortgage in order to remove the lender placed impound account and lose my low rate. Refinancing my mortgage into a higher rate makes no financial sense as my mortgage payment will increase significantly.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX the amount of {$23000.00} was wired to our account from the sale of our house. We were informed that we would have our money Monday XXXX  XX/XX/XXXX. Was not there. Call them Monday and was told that we would have it Tuesday. Tuesday  called again was told Wednesday. Wednesday  called again and was told Friday. After spending several hours on the phone with several XXXX XXXX people of the wire transfer dept. We are just getting the run around. This is not right!!!!!!! 

We are in a hardship. WE NEED OUR MONEY! My family is sick, there are some things that I needed to order as soon as our money became available on Monday morning, but that did not happen. Plus we need our money in order to move. 

It is not right that Fifth Third bank is holding on to our money so that they can collect free interest on it for however long they decide to keep it from us. It is our money they have no right to hold onto it. This XXXX that they do must be stopped. We had been informed that when money is wired it is usually available in about 2 hours. Well it has been a full three business days and they are still enjoying keeping our money.
Product: Checking or savings account

On XX/XX/2021, I called XXXX XXXX XXXX XXXX, company to stop the recurring payments with the payment arrangement I set up for the debt amount. The payment arrangement was XXXX per month and the debt amount was XXXX. I spoke with agent XXXX XXXX and he sent an email confirmation to confirm the cancellation of the payments. After this agreement my account was not debited for XXXX but was debited XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX of 2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me and has been on my credit report for some time. Equifax continues to report this account even though it is not mine. I am asking that this account be deleted because it is not mine. I have attached an identity theft report to the previous complaint XXXX. Please delete the account for US DEPT ED. I am sending this as myself no third party company or no other person that I gave permission to send on my behalf. I am sending this personally & the complaint is coming directly from me, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

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 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- -ACCOUNT # XXXX -- -- -- {$19000.00} All accounts listed above not mines
Product: Debt collection

Upon receiving a phone call from XXXX XXXX XXXX  and them saying I owed an estimated {$3500.00} for a credit card I told the person I never had a credit card with them with that limit. 
I do have a current credit card in good standing with XXXX XXXX but with a different account number and credit limit. I asked that they mail me verification that this account was mine. I then went to XXXX XXXX and saw that this was reporting as negative on my credit so I disputed through XXXX XXXX. XXXX XXXX had an address that was not mine and other false information on file. I received another call to collect the debt and discussed with this representative that this was not my account, in fact the address that they had on file was a non-existent address- a quick XXXX XXXX showed that the street name they had did not even exist in my city. The representative asked for my mailing address so they could send the information I was requesting so I gave it to her. After a couple of months this account was turned over to Portfolio Recovery Assoc. with an updated address that was actually mine so that when I disputed the account again it came back as " all accurate information '' when in fact the only reason they had my accurate information was because they had recently updated it.
Product: Mortgage

At the beginning of the year, I inquired with US Bank about refinancing and combining my mortgage with the equity line of credit both owned by US Bank. After supplying all the relevant documents and being approved, I closed on the refinance XX/XX/2020. My first mortgage account was not closed but evidently, it was paid and closed. I received the payoff letter XX/XX/2020. However my equity line of credit was not paid and is still open. I have been receiving phone calls from debt collectors since XXXX and explained the situation to the customer service representatives. After getting transferred to so many departments, I sent an email on XX/XX/2020 informing the Mortgage Loan Processor, that a check for my equity line of credit was not dispersed. The amount from the refinance {$99000.00} was dispersed on XX/XX/2020 to the equity line of credit account. I thought this payment would have resolved the issue however I still owe {$450.00}. After receiving collection calls again to pay {$140.00} to the equity line of credit, I emailed the Mortgage Loan Processor on XX/XX/2020 to resolve the issue. When I discussed the issue with customer service, It was suggested that I dispute the claim but I have since been denied. The customer representative said she would reach out to Mortgage Loan Processr for assistance. I do not owe money to the US Bank, in fact, they owe me. So it wouldnt affect my credit, I paid {$140.00} that I do not owe. After going through my documents, US Bank owes me {$700.00} plus {$140.00}. I should not have been charged interest or late fees on a loan that should have been closed XX/XX/2020. Could you please assist so I can get this resolved once and for all? 

Equity Line of credit bill on XX/XX/2020 states the end balance was {$99000.00}. The closeout from US Bank was {$99000.00} which should have been dispersed on XX/XX/2020 but was later dispersed on XX/XX/2020.
Product: Credit reporting or other personal consumer reports

On XXXX of 2025 Equifax verified and an validated this XXXX XXXX XXXX account XXXX after reinvestigation. Equifax failed to provide me with documentation of investigation and whom they investigated it with so I can follow up. Which violates usc 1681 c-1 c-2, and 1681 I. Furthermore This account after reinvestigation is still reporting inaccuracies which I provided proof of these fraudulent inaccuracies. There willfully non compliance to the codes warrants removal of this account. It is manipulated the credit score process which is denying me access to credit Equifax had more than enough time to correct this which they failed to do so violating my consumer rights