23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Chase Bank Dispute number XXXX : XXXX -- -- Defective Product & Unable to Contact XXXX Inc. 
1 ) Hard drive was purchased online from XXXX Inc. 
2 ) Drive arrived by mail but was defective. 
3 ) No contact information or invoice was included in package. 
4 ) No contact info ( email, or phone or form ) on company website ( XXXX ). 
5 ) Found XXXX inc phone number with a google search, but one has to know an exact extension number to get though. It is not possible to leave a message. 
6 ) XXXX Inc is in violation of its merchant agreement by not providing contact information to customers. 

-- -- Chase Bank Fails its Professional Duty of Care Contacting XXXX Inc. 
1 ) Without being able to contact XXXX to address the defective product, a dispute was filed with Chase Bank. Chase representative also did not have correct contact information for XXXX XXXX. 
2 ) The above 6 XXXX Inc details were provided to Chase during the dispute process, but Chase failed its professional duty of care by not communicating the drive was defective to XXXX Inc. responded to the dispute not knowing the drive was defective and not knowing the customer was unable to contact XXXX Inc. 

-- -- Chase Bank Fails its Professional Duty of Care Contacting XXXX Credit card Customer XXXX. 
1 ) Letter dated XX/XX/XXXX from XX/XX/XXXX of Chase Bank was received by XXXX via paper mail but after the response deadline ( XX/XX/XXXX ) due date stated on that letter ; therefore, Chase Bank sent a letter with a response due date requirement that was later than the date the customer would receive the letter in the mail, making a response by the due date completely impossible. 

2 ) This lack of a professional duty of care by Chase Bank with respect to the handling of its XXXX credit card disputes is not an isolated incident, but is instead habitual negligence by Chase Bank not only negatively affecting XXXX, but negatively affecting all Chase XXXX customers filing a dispute.
Product: Credit reporting or other personal consumer reports

Improper use of credit report 15 usc 1681a - Definitions : Rules of construction : 15 usc 1681- Section 602A : I have the right to privacy 15 usc 6802b : Opt out never told me to opt out or give me the opportunity to opt out.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account ( XXXX XXXX ) that was not reporting accurately on XXXX, XXXX, and Experian, XXXX XXXX and Experian are all reporting ( XXXX XXXX ) inaccurate listed twice with XXXX different accounts when I only have XXXX account with ( XXXX XXXX ) and are reporting I had 3-7 late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments i've attached a copy of my report to this complaint with the dates included and I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. XXXX, XXXX, and Experian are showing inaccuracies on this account ( XXXX XXXX ) and isn't following the law according to 15 U.S. Code 1681e - Compliance procedures. And section ( b ) Accuracy of report.
Product: Debt collection

I purchased a car XXXX XXXXXXXX XXXX finance through Capital one Auto Finance XXXX and i also purchased the gap insurance thinking if i get into a car accident the car would be paid off. XXXX month later i got into a bad car accident the car was totaled. My insurance told me that they could pay the car off but i would still owe a balance of XXXX found out that Capital One over charged me for the car and now i still owe them a balance {$1000.00}. When i was out do to the car accident i got behide on my bills. The account went into Collection now it's on my credit report and i need it removed. Due to Section 602 and Section 604 A Capital One Auto XXXX Account ending XXXX
Product: Credit reporting 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 confidentiality under 15 USC 1681. XXXX XXXX  XXXX acct XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX  # XXXX. 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 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 has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. I XXXX XXXX has verified the accounts below has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX, XXXX. Account Number : XXXX Account name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account name : 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 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 has reasonable cause to believe that the information is inaccurate.

I would like to also add that these inaccuracies and incorrect information is preventing me from accessing credit and a mortgage for me and my family.
Product: Checking or savings account

My checking account with bank of America was closed on XX/XX/2020. However, I received a refund from XXXX XXXX  for the canceled trip on XX/XX/2020. The funds were refunded by the merchant using my original form of payment- the debit card attached to my Bank of America checking account. 
I contacted Bank of America multiple times to obtain my refund in a form of a check, since the account and the debit card is closed, but was unable to get any resolution. The bank representatives stated that they can not locate my money since the account is closed. My last phone call with Bank of America was on XX/XX/2020, and I was again told that Bank of America can not locate my {$500.00} refund. 
I requested the letter from the merchant- XXXX XXXX showing the tracking transaction number for the refund processed and will attach it as a proof that Bank of America holds my funds and does not want to release it to me
Product: Vehicle loan or lease

On XX/XX/XXXX, I was denied a loan opportunity. This denial that is adverse to me as the consumer and business owner. Im inquiring on what exactly is delinquent and what account has a high utilization.
Product: Checking or savings account

On XX/XX/2023 a check in the amount of {$39000.00} that was fraudulently obtain and negotiated cleared my account. I discovered the issue on XX/XX/2023 and contacted Wells Fargo to submit a fraud claim. I was told the process would take XXXX business days. XXXX calendar days have passed and not only do they not have a resolution, they can't even give me a straight answer. Needless to say I have not recieved my money back into my account. 

I never write checks this large and the bank simply cleared the check and didn't even issue a call or text to confirm if I had written such a large check. 

One of the investigators I have spoken to is named XXXX XXXX and my XXXX XXXX XXXX is XXXX.
Product: Mortgage

Good Day.

My name is XXXX XXXX XXXX Late last year my loan with Loancare ( # XXXX  ) was overcharged for taxes but I was able to contact my county auditor 's office to have the payment sent back to loancare. Around XX/XX/XXXX I received an email from loancare that an escrow review had been done and my mortgage was going to go from {$550.00} to {$820.00} because they had to pay out extra for taxes. I called loancare on XX/XX/XXXXand was informed that all I had to do was to go to the auditors office and get the paperwork stating that I had a XXXX balance for my taxes and once they received it they would send a message to have a subsequent analysis done. I got the paperwork submitted to them on theXX/XX/XXXX and called back to make sure they received it, they did receive it and told me to call back in 5 days and it would be corrected.

After 7 days I called back and it still hadn't been corrected and was told to give them another 5 days, which I didn't agree with but there wasn't anything I could do so I agreed. I then called back on the XX/XX/XXXX because it still wasn't done and my mortgage is due on the XXXX of each month. I was told it still wasn't complete and I had to wait, I didn't accept it this time and asked to speak to a supervisor. I was able to speak to a XXXX XXXX  ( XXXX   ) XXXX who informed me that she was going to personally send an email to the escrow department and not to pay my mortgage and she would make sure that it would be complete by the XX/XX/XXXXand as such she take any late charges that occur off. She also told me that it would be finished by the XXXX. I called back on the XXXX to her direct number and left a message, I didn't get a response. I have been calling everyday since then and still haven't received a response.

I just called again this morning, XX/XX/XXXX and now I am being told that they are waiting to update a tax line. I keep getting the run around and I am so frustrated. They also have a direct number, which is ( XXXX   ) XXXX and my loan # is XXXX, again, my name is XXXX XXXX
Product: Mortgage

I missed an increase in my escrow payment because I changed my mailing address and failed to pay the required monthly payments for a few months. As a result I was behind on my payments, but I was still paying at least 80 % of my obligation every 30 days. My serviced held all my payments until there were full payments and then applied them to my balance. When I learned of the shortage, I immediately paid my late payments in full and brought the account current. Later, I discovered PennyMac reported to the credit agencies that I was more than 60 days past due -this was never the case as I had paid every 30 days. I challenged this negative mark with PennyMac directly, and they actually amended all my reports to remove the delinquency. However, several months later, I requested an appraisal from them to qualify for PMI removal and they declined my request to move forward with this process because they said I was 60 days past due -which they already admitted to the credit agencies was an error, but I guess never updated their own internal records to reflect this. I called to discuss the error and resubmitted my request -Ive done this 3 times now, and I keep getting passed around from agent to agent, with letters sent declining me for the same reasons, with no explanation or proof that they have reviewed or researched my case. Ive paid {$1200.00} in PMI in the last 6 months that Im eligible for removal with a simple appraisal and that they refuse to move forward with due to an error on their part. I believe their customer service has been abysmal and that their operations are grossly mismanaged such that more complex cases, such as my own, are never scrutinized or reviewed or managed appropriately. They are more concerned with protecting their investors than with actually servicing their clients.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued concern and disappointment with the unsuccessful outcome of my second attempt to correct late open accounts on my credit file. Despite providing comprehensive documentation and following the prescribed dispute procedures, the inaccuracies persist on my credit report, negatively impacting my creditworthiness and financial standing. 

I am deeply concerned that, despite my sincere efforts and adherence to the required procedures, the late open accounts persist on my credit report. This situation has immediate and adverse consequences for my financial standing, making it imperative to rectify this matter urgently. 

I kindly request the following actions : An immediate and thorough reevaluation of the documentation provided in support of the dispute. 
Expedited correction of the inaccuracies related to the late open accounts on my credit file. 
Transparent communication outlining the resolution process and the steps taken to address this matter promptly. 
Attached, please find copies of the supporting documentation for your reference during the investigation. I am asking for your assistance to correct these late open accounts in my credit file : OAG CHILD SU XXXX Balance : {$25000.00} ; OAG CHILD SU XXXX Balance : {$72000.00} ; ATTYGENERL XXXX Balance : {$72000.00}.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX XXXX XXXX XXXXXXXX - Company has been made aware of the issue and has agreed to update the status to open/never late. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Hello, My issue is best described by XXXX out of the XXXX above, XXXX XXXX from Alliant Capital Management ( doc id XXXX ). XXXX XXXX called my sister who stated that she was not me- He then proceeded to disclose the debt, plus threaten legal action if I did not return the call. He then located me at work- When he id him self I said I can not have calls at work do not call here. I called him on the phone and explained that I was having medical problems to which he replied that he understood and did n't want to cause anymore problems take the weekend and think about the options. Still no VOD has been sent to my mailing address. Today, I checked my work voicemail and there was a very lengthy message from XXXX XXXX, said he was going to sue me and send someone up to my job to give me papers. He then said all of the calls have been recorded and that he would move forward by end of business if I refused to call him back. I was not even at work Monday.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX credit card was paid in full XX/XX/XXXX and account closed XX/XX/XXXX ( see attached ). However Transunion is reporting status the account 30 days past due and showing delinquent on XX/XX/XXXX. XXXX and XXXX show account paid and account closed and NOT delinquent ( see attached ). However XXXX is showing reporting on until XX/XX/XXXX when account was closed XX/XX/XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX, Citibank alerted me to over {$1500.00} in suspicious charges. I responded immediately that this was fraud, that I did not make those purchases. The charges disappeared from my account. In the brief time they were posted to my account online, I saw that they were charges to XXXX, a merchant I haven't shopped at in years. 
Citibank closed my account immediately and sent me a new card with a new account number. I received an online notification that a disputed charge of {$310.00} had been removed from my account at this time. 
Over a month later, on XX/XX/XXXX, XXXX mysterious charges amounting to {$1000.00} in all appeared on my new, clean account. They are labeled as XXXX XXXX and all are dated a month or so earlier, from XX/XX/29 to XXXX. In XXXX I also received a notification that a $ XXXX charge was posted to my account due to a billing delay. 
When I reported this to Citibank, they immediately closed the account and issued me a new card with another new account number. 
What they failed to do was remove the twice-disputed charges from my account. I can not dispute the charge online ( that command is not an option, but only for the 3 charges I refer to ). I have called the company and their dispute center at least five times to resolve this. But the charges remain, 6 months later.

Every time I call, it seems like I start from scratch. I am asked if I'm sure the charges are fraud each time and I say so. I am told that a dispute has been opened about them, but I am not given a dispute number or case number. I am told that they will get on it and I will hear back in 90 days. There is no information on my online account about this. No one will call me or send me an email or a letter in reply to this problem. 
I can only conclude that there is unbelievable incompetence at Citibank, or that it is willful and deliberate. Perhaps Citibank hopes that eventually I will just give up and pay the $ XXXX in charges from their errors. 
I should call again, as it has been over 90 days since the second official report of these bad charges. But it is unpleasant, frustrating and ineffective to call them. Since I will not pay these charges, I am not paying my balance in full each month as was my habit. I have been charged interest monthly on these amounts. I received an alert that my credit score has changed, and I doubt that's because my credit score has been improved by this mess. The impact of Citibank 's lack of action is costly and seems never-ending. Can I get help with this please?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Equifax are both showing two Bankruptcies on my credit file. I have disputed several times because I know that is not correct. Each time they both indicated it was valid. I disputed the information with XXXX XXXX directly and they indicated they did remove it. The two bureaus have yet to do so
Product: Credit reporting or other personal consumer reports

BLOCKED AND REMOVED Please eliminate these deceptive accounts from my credit report, as I never authorized their creation. Kindly delete this incorrect entry.
Product: Checking or savings account

On XX/XX/2023 I tried to purchase XXXX subscription using my debit card. However, while my card was charged, I didnt receive the subscription. I tried to sort the issue with XXXX XXXX but they provided me with the invoice that stated that the charge was {$0.00} and furthermore told me that since the charge was unsuccessful on their end, they can not do anything about it. Since late XXXX until now I am trying to sort this issue with Chase, and it has been unsuccessful. They denied my initial claim and this second time have lost the supporting documents ( invoice and the email correspondence with XXXX suppprt ) after confirming that they received them. It has been going on for more than two months now.
Product: Student loan

All of my federal loans were 100 percent discharged from XXXX and I would like my private loan discharged also. The school was fraudulent and I shouldnt be held responsible for this. No one is helping me and my misconduct application was denied with no reason. 
My private loan from XXXX should be granted 100 % discharge like my federal loan due to fraud by the school.
Product: Mortgage

In XX/XX/XXXX I missed 8 payments with my mortgage company due the financial crisis and job loss. In XX/XX/XXXX I settled with the mortgage company for {$15000.00} plus dollars for the debt, which was added to my loan and my loan was then sold. As of XX/XX/XXXX it was sold twice. The loan resided with XXXX XXXX when the original issues occurred in XX/XX/XXXX and now resides with XXXX XXXX ( Shellpoint Mtg Servicing ). I put the house under contract for sale in XX/XX/XXXX. I requested that Shellpoint/XXXX provide me with the loan modification so as to be assured of payoff amounts. I also requested a payoff statement - never produced. The loan modification was produced 2 days before the closing XX/XX/XXXX ( after numerous more attempts to get the documents in the intervening 30 days ). I have now twice requested an accounting to find out why my equity status in XX/XX/XXXX was obliterated by the loan modification so that my equity of {$6000.00} was completely gone. In addition to failing to provide the modification information to me ( which they did produce to the title company ) they collected twice on my taxes for XX/XX/XXXX and provided me with the incorrect tax statement. I have now proven that they did not pay my taxes twice and have received a refund of my escrow. However I've never received an accounting of the modification although requested on numerous occasions. The attached shows only a 4 year history insufficient to figure out why the modification was applied to my full original loan amount and not to my loan amount when the settlement occurred. My request continues to go unanswered. What happened to my equity and how does a modification jump from {$15000.00} for ( 8 missed payments ) to over {$22000.00}? The loan has also been paid in full and is still reporting on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Victoria secret, and XXXX have been reporting late payment to the credit bureau. 
In accordance with fair credit reporting act, those creditor has violated my right under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USCS 1681 section 604 a section 2. It also states a consumer agency can not furnish an account without my writing instructions under 15 USCS 1666b a creditors ayen not treat a payment on a credit card account under an open end consumer credit plan or any late for any purpose
Product: Debt collection

Since XX/XX/XXXX, I had only received 2 letters in the mail at my address of XXXX XXXX XXXX. I had received a letter in the mail at my XXXX XXXX XXXX home a year ago in regards to applying for assistance in making the payment but did not send in the paperwork because I would not have been approved due to annual income. I feel that I was not given a reasonable amount of time or chances for someone to contact me in regards to payments and out of nowhere began receiving letters in XX/XX/XXXX that my account was now in collections. When contacting XXXX XXXX XXXX, they stated I did not return the paperwork for assistance and so they sent it to collections. I feel this is wrong and they should have contacted me even just asking how the paperwork was going or if I had any questions. Then could have told me to start setting up payments to avoid having the account go into collections. There was no heads up given nor any attempt from XXXX XXXX XXXX in getting my account paid for through them instead of dealing with a collection agency.