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

0n XX/XX/XXXX I try to use my debt card and the charge was declined {$21.00} My balance in my Chase Checking Account {$3900.00}. My balance in my savings account is {$54000.00}. I went to the bank location on XXXX XXXX XXXX I went to deposit a check I received from services rendered I am self employed. The teller stamp back of the check with FOR Deposit Chase Bank Bank and then teller received an error message on my account. My account was restricted. A Manager ( XXXX XXXX XXXXXXXX ) said it had to be some type of error since I have been a great customer for many years Never had low balance or NSF Checks. The Manager and I called customer service after being on the telephone and hold for 20 minutes all they would tell us the account was on Restriction Still did not know at that time Chase was closing my accounts. Manager told me to call them back when I had more time and not at the bank.So I called Chase Customer Service XXXX I was told Chase had closed my account. I called back customer service and wanted a specific when and how could I get my money since the the money to my name and Mortgage is due, Car Payment and Insurance. I escalated to a supervisor in Fraud Department XXXX and after him reading scripts for 15 minutes I requested to be escalated again to higher manager I spoke with XXXX. I was told a notice would go out in next 10 days and account had been closed or restricted since XX/XX/XXXX. They were closing my accounts and after the 10 days then they would mail me my funds in my account. Remember my balance is over $ XXXX all the money I have and no money to run my business or pay bills. I can withdraw no monies. All my bill set up on automatic payment for 1st of month would not go out and none of my bills would be paid even though they are still holding all my monies. Another bank is going to hold my check for another 10 days due to size of checks and they have to clear So I can not run my business for 20 days without funds. They transferred to XXXX in Executive Office which I never heard back from XXXX XXXX # XXXX. I was given no notice or reason why this is happening I have been an excellent customer for year with high balances Never had a NSF or Overdraft. XXXX explained to be they would never give me a reason for closing the account and they are not required
Product: Vehicle loan or lease

I was approved for an auto loan through BBVA/Compass bank on XXXX XXXX of XXXX. Shortly afterward, I set up an online account so I could make my payments. However, when I attempted to make a payment, it did not process correctly, therefore my payment would not go through. 

I called BBVA/Compass Bank 's customer service center on XXXX XXXX of XXXX in an effort to get this corrected. I spoke to a customer service representative named XXXX who asked me to send screenshots of my attempts to make payments. I was on this phone call for over 60 minutes. The customer service representative assured me I would get a phone call within 48 business hours and my issue should be resolved by then. 

However, over one week went by and I received no phone call, and I still had the same problems with my online account and could not make my car loan payment. I called BBVA/Compass Bank 's customer service department again on XXXX XXXX of this year and spoke with a representative named XXXX. I advised XXXX my problems with making payments online were still not resolved. XXXX again tried to help and requested I send screenshots of my attempts to make online payments. I was again on this call for about 60 minutes. XXXX then transferred me to another department of their customer service department who said they would take my payment for me over the phone free of charge because of the trouble I was having. A customer service representative named XXXX took my checking account information, gave me a confirmation number and said my loan payment would be processed. 

I called BBVA/Compass Bank 's customer service department on Wednesday, XXXX XXXX and told them there is no record of the payment I made on Monday, XXXX XXXX. XXXX from their customer service department told me if my payment did not show up by Friday, XXXX XXXX to call them back. 

It is now Sunday, XXXX XXXX. The car payment I supposedly made on Monday, XXXX XXXX never got processed. Also, my online account has been having problems since I set it up on XXXX XXXX. Compass Bank is not making any efforts to help me with issues I am having with my online account. Also, I am curious as to why one of their banking representatives took my payment information over the phone on XXXX XXXX and now there is no record of it. I am very frustrated by Compass Bank 's poor customer service, and failure to help me resolve my issues.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 
XXXX XXXX XXXX  {$760.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$150.00} XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry
Product: Credit card or prepaid card

On or about Mr. XXXX XXXX XXXX Colorado department of XXXX XXXX  # XXXX. XXXX XXXX admitted to damaging the direct express debit card by running it over with a XXXX XXXX XXXX however the damages are inconsistent with tire damage. Received XXXX XXXX debit card. The balance was approximately {$6400.00}. I had XXXX and he threw my personal property to the street and I was XXXX  and still do not have a permanent residence. Mr. XXXX is under investigation in the following domestic violence cases : Fwd : Case XXXX XXXX XXXX XXXX XXXX Case # XXXX XX/XX/XXXX XXXX county Colorado XXXX XXXX XX/XX/XXXX XXXX XXXXe investigation and keep the peace order officer XXXX responded to XXXX XXXX XXXX. XXXX XXXX Colorado XXXX XXXX XXXXase XXXX XXXX XXXX  court XXXX XXXX XXXX Courtroom XXXX ( on going high conflict XXXX XXXX ) Case Report # XXXX XXXX XXXX XXXX XXXX Colorado # XXXX and # XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following credit inquiries listed on my Experian credit report are fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/2018, XXXX, XX/XX/2018
Product: Credit card or prepaid card

My partner and I went on the XXXX XXXX cruise ship out of XXXX XXXX on XX/XX/XXXX to XX/XX/XXXX. We stopped in XXXX XXXX, the first port on the itinerary. 

According to XXXX 's Shopping Guide, she highly recommended XXXX 's XXXX for their quality jewelry and discounted prices. We took her advice and stopped in XXXX 's XXXX in XXXX XXXX to purchase two ( 2 ) XXXX XXXX watches. 

After selecting the watches we wanted to purchase, we were ready to check out. However, the salesmen brought us to a jewelry counter and provided us with seats and proceeded to open champagne, and showed us jewelry we had no interest in. We told them we could not afford anything they were showing us. After several glasses of champagne, we were not thinking clearly ( XXXX ). And we were not in any frame of mind to make any major purchases. 

We told the various salesmen who were at our disposal, that we are Senior Citizens with low fixed incomes, and we did not want to purchase anything, except the two ( 2 ) XXXX XXXX watches. 

We were extended credit that we never should have qualified for. However, we left this store with {$150000.00} of unwanted jewelry which is a perfect example of their predatory business practices. 

While at XXXXXXXX XXXX XXXX XXXX in XXXX XXXX, we were not told of their return and refund policy. We tried to return the jewelry the next day in XXXX, and we were informed there were no refunds, only a store credit could be issued. 

We have been deceived by XXXXXXXX XXXX XXXX XXXX salesmen. They took advantage of two ( 2 ) Senior Citizens, and never told us of the no refund store policy, only a store credit would be issued. 

When we returned home from the cruise we had contacted Kerryclare, Customer Service Rep in the Corporate Offices of XXXXXXXX XXXX XXXX in XXXX XXXX XXXXXXXX. To return all the jewelry we couldn't afford, she offered us a store credit of {$150000.00}. 

We had all the jewelry independently appraised which cost {$2600.00} and sent copies to XXXX. Apparently, I needed to have the jewelry appraised by an approved appraiser on XXXX XXXXXXXX XXXX list. XXXX gave us an appraiser on her list. 

We brought all the jewelry to XXXX  XXXX ( XXXX XXXX approved appraiser ) and she said she would get back to us in a couple of weeks. XXXX  called us saying she could not do the appraisal because of XXXX XXXXXXXX XXXX failure to send her a price guide, even after repeated requests on her part with XXXXXXXX XXXX XXXXXXXX. 

We have done everything we possibly could to remedy the situation. We have lost complete faith and trust In XXXXXXXX XXXX XXXXXXXX. By the way, XXXX left XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX. Now, XXXX is the new Customer Service Rep in XXXX XXXX XXXXXXXX. 

This ongoing saga has left us both physically and emotionally ill. The only recourse left is for XXXXXXXX XXXX XXXXXXXX to take back all their jewelry and issue us a full credit to our accounts. This has been a grueling and unpleasant situation for us. 

Thanking you in advance for the attention you give to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Dear CFPB I was notified on XX/XX/25 via an alert on my XXXX that a new collection was added to my credit bureaus. I have no knowledge of this account and possibly is a part of my identity theft. My name and credit information has been used with opening of accounts that I have no idea of. 

I am asking that you please step in to assist with the removal of this erroneous information and they delete this negative tradeline immediately. It is listed on XXXX, XXXX  and XXXX. My credit is important to me. I have attached a letter. 

Thanks
Product: Debt collection

This law firm has filed a Limited Civil Liability case in XXXX XXXX Superior court on XX/XX/XXXX for a time barred debt. They filed for {$1700.00} plus legal fees. The last date of payment on this debt was XX/XX/XXXX ( evidence provided in their own filing ). I filed an Affirmative Defense in Pro Per and am prepared to go to trial but their filing of the case is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted All ( CREDITOR BELOW ), who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than XXXX business days ago, they have failed to respond and honor my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are not mine. They are not factual.
Product: Credit reporting or other personal consumer reports

I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus and I received a letter stating They do not report any bankruptcies to any of the bureaus. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may know any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my rights under 15 USC 1681.

According to 15 U.S.C 1681 section 602 A. states, I have the right to privacy.

According to 15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions.

According to 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 or other personal consumer reports

My credit report contains inaccurate billing information showing late payments, which is not representative of my usual timely payments. Please update my credit report accordingly.
Product: Credit card

Goldman Sachs Apple Card received a payment for {$15000.00} from me when I contacted them saying that the money was sent by mistake and needed to be refunded to my bank account on file. However, they have repeatedly refused to refund that money saying I can use it for purchases from apple but I do not wish to.
Product: Debt collection

This company is engaging in the illegal practice of DEBT PARKING. I was never notified of this debt and I have not lived in Texas for over 7 years. This is a junk debt buyer and they have not provided validation of the debt to me. They also continue to illegally validate the debt to the credit bureaus and this has detrimentally affected my credit scores. They are violating the Fair Debt Collection Practices as I was never notified of this fraudulent debt in writing before placing on my credit file. I could not dispute the validity of the debt within 30 days. I had no medical debt when XXXX Texas XXXXXXXX XXXX XXXX  years ago and I was not notified of any purported debt during my residency there. I called and the customer service representative threatened me over the phone if I did not pay them the {$140.00}, which I do not owe. They refused to send me evidence of this fraudulent debt. I have disputed this with the credit bureau and this company continues to validate the debt with them. No one will send any paperwork to me about this debt.
Product: Credit reporting or other personal consumer reports

This letter serves as a final notice regarding the unverified negative accounts that remain on my credit report, despite multiple disputes and your obligations under the Fair Credit Reporting Act ( FCRA ).
Product: Mortgage

Hi my name is XXXX XXXX. I own a duplex in XXXX CA that is currently rented out .I have owned the property since XXXX. Due to extreme covid hardship for myself and tenants I have been unable to maintain my mortgage. I have continually contacted my new ( AQUIRED LOAN XX/XX/XXXX, PREVIOUSLY HAD XXXX XXXX XXXX SINCE ORIGINATION ) mortgage company Rushmore Loan Mngt services, llc for assistance. Which they have denied me since XX/XX/XXXX. Rushmore loan services have routinely denied me help and have tricked me into thinking they were working with me but rather they were aggressively starting foreclosure. I strongly feel They are discriminating against me because I am XXXX single woman and not educated about my rights. 
Recently on XX/XX/XXXX I again contacted Rushmore for loan assistance where I spoke with XXXX. I advised of my covid hardship and asked for assistance, she denied me any immediate assistance. I told her that due to the state moratorium my tenants were not paying rent and that their was nothing I could do to enforce them to pay at this time but that it should be expiring and my tenants said they will start paying in XXXX and I would follow up, she said ok. She never mentioned that my account was going to be immediately referred into foreclosure pending our conversation. She tricked me into thinking that the bank would work with me but all along they were planing to foreclose. They say things like complete a package but when I explain my hardship and my finances they say oh you don't qualify. For almost a year they denied me options. I also advised Rushmore numerous times on the phone it was my intent to keep my home. As soon as i got off the phone withRushmore I contacted HUD for help. I spoke with XXXX XXXX at XXXX who was assisting me with options. ON XX/XX/XXXX Rushmore Filled a NOD. On my conversation on XX/XX/XXXX i was never advised that a foreclosure was immenit. I was tricked into thinking they were working with me but 3 weeks later a Nod was filed. I never received a call or letter from Rushmore after my call with XXXX on XX/XX/XXXX advising me their going foreclose and i would have additional fees. On XX/XX/XXXX I actually found out about the foreclosure from a solicitation call that my home had a NOD. When I called Rushmore for explanation I spoke with XXXX XXXX who told me go online for a deferment. Again I was tricked into thinking help was available but when I went online request deferment I was unable to apply. I feel like I have no options to save my home even though I have had an extreme covid hardship. This company does not want to help me and want to destroy me because I don't have the resources to protect myself. My tenants are struggling and if I loose this house they will have no where to go. Also when I asked why was I not notified about their intent to foreclose they said they sent it XX/XX/XXXX. Almost a year prior however no one ever mentioned that to me on any of my calls over a year. Also they continue to humiliate me by mailing nod to my family members address even though I don't reside their or ever provided their addresses.
Product: Debt collection

This debt collection is for a XXXX XXXX. 

My wife XXXX XXXX XXXX was married to a XXXX XXXX - who died 17 years ago - they had NO children together! XXXX XXXX is a child of XXXX from a previous marriage that was divorced. XXXX former wife had custody of XXXX My wife and I have been married for 15 years. I have never met XXXX and my wife has never had a relationship with XXXX - even when she was married to XXXX! 

We get harassing phone calls from debt collectors for XXXX XXXX and her husband - Daily! on both of our phone lines! We have requested they remove our contact info - but this stops for a period and then restarts. the caller harass us and threaten us - the only info I have for the collection company is - Capital Accounts, XXXX XXXX, PA - phone XXXX
Product: Checking or savings account

Chase Bank failed to logically and properly respond to the Original Complaint ( CFPB Complaint Number : XXXX ; JP Morgan Chase Case Reference Number : XXXX ). Please see below. We are requesting that Chase redeem a legitimate Certificate of Deposit in accordance with its terms and conditions. The Chase response offers speculations, some without foundation, and does not resolve the simple action of redeeming a modest CD. 

1. Chase comment : We researched the information you gave us, and we are unable to locate any information on the account you provided.

1. Our response : Because Chase can not locate any information does not mean it doesnt exist. We provided the actual CD to bank representatives and a pdf of the CD with the original complaint. Because the CD is a certificate and NOT an account, the bank should not expect to find an account number.

2. Chase comment : The account may have been closed because of our seven-year retention policy.

2. Our response : Because the CD was perpetual and not redeemed, the bank should not have deleted any records. Deleting records of a legitimate obligation is not appropriate. Further, there is no account to close just an obligation to adhere to the CDs terms and conditions.

3. Chase comment : Please contact the state that the account was opened in or go to missingmoney.com to try to locate any further information.

3. Our response : The original complaint explained, in detail, that we contacted the State of Indiana, and was directed to the Attorney Generals Office. That office stated that the Bank had not transferred any funds to the missing money fund and thus the Bank had an obligation to honor the CD. It appears that the JP Morgan Chase action officer failed to read the details of the original complaint. 

4. Chase comment : If you have questions, please call us at XXXX and reference case number XXXX XXXX. Our response : Four phone calls were made to this number and we were directed to Mr. XXXX XXXX. We were told that he would return the calls. Messages were also left on his voice mail box. We never received a call back.
Product: Student loan

I had accrued loans ( federal and private ) from my XXXX studies ( XX/XX/XXXX-XX/XX/XXXX ). I had then worked for a year in which these were both regularly paid. Starting in XX/XX/XXXX, I then started XXXX school and was no longer working. As I was again a studying and in student status, generally loan payments should be on hold for the duration of the studies, where payments don't need to be made. This had worked with the federal loans ( I was not obligated to pay during this time ), but my private loan lender did not allow this option, citing that I was not attending a certified university that qualified for this break of loan payments, so despite not earning any kind of income, I was still obligated to make the normal payments, although being granted a period of forbearance for 8 months. I have now since finished my XXXX   studies ( XX/XX/XXXX ), and am still unemployed, with almost no income. This again is fine with my federal loans, as I am on an income-based repayment plan, so I am still not burdened with making payments if I am not earning any income. This is again not ok with the private loan agency, I explained this to them, and they offer no options for borrowers who are currently unemployed, no discounted system, or smaller payments.
Product: Debt collection

XXXX is using my credit report against me for a debt that was past due in 2006 and is now paid off it is to old to be on my credit Transunion verifies the debt sure the have my ss # and address that does not mean they can report an old debt