23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2018 I submitted a request for validation and verification of dismissed bankruptcy reporting on my credit report from XXXX XXXX. It came back as verified by the court and reporting that the court is the furnisher of the information. This investigation was completed on XX/XX/2018.  On XX/XX/2018 I contacted XXXX asking who or what entity verified this information, I was advised that the information was verified by a 2nd and or 3rd party. I notified them that with my original request I had included a letter from the court in question that states they do not verify, validate or report any information to CRAs or any other furnishers. When I asked for the source to whom performed this verification / validation, I was told they do not disclose that information and that they are not obligated to do so. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I  further bring notice of the request for verification and or validation requested not only the verification and validation, but also the process and or systems used, any furnishers, persons and or entities used in collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region
Product: Checking or savings account

Hello, my name is XXXX and I would like some help in getting my money back from Chime. First of all back on XX/XX/XXXX of this year my debit card and my cell phone were stolen. Well they took over {$1000.00} out of my account. I contacted Chime and I sent it every piece of documentation they ask for, police report and everything. they seem to find nothing wrong with the fact that over {$1000.00} was taken out of my account in less than an hour and a half from 8 different locations. After appealing and appealing they still come to the conclusion that I am due no money back because they don't see anything wrong with the transactions. And they never gave me my money back, like are you kidding me?!?!?!? Then about a week or so ago I had some questionable charges on my chime account so while in the process of disputing them chime closes my account. So what now? I'm just excuse my language " XXXX outta luck '' because they decided to close my account and with no reason?!?!? I AM FURIOUS!! THEY CAN NOT DO THIS!! PLEASE HELP ME GET MY MONEY BACK. 

Sent from XXXX Mail on XXXX Sent from XXXX Mail on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute about item on my credit report with experian. They came back after short time and said company certified debt. Problem is they don't show what was used to certify it. The company who has me in collections has no signed agreement from me or creditor say I owed nothing but piece paper with name and amount. Hasn't shown experian any proof of debt and experian fails to remove item after multiple disputes. The company in question is XXXX XXXX.
Product: Checking or savings account

There is a business checking account of chase is locked in XX/XX/2021 at that moment when i ask them reason why they said in investigation after once they answer there are no response
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent this dispute to XXXX to get this erroneous information disputed and taken off my credit profile for numerous of reasons, they are reporting incorrect and inaccurate information. This company hasn't showed any kind of deficient validation to this fraudulent account. Someone stole all my personal belongings. Also this company has took 40 something odd days to respond and I haven't had any type of correspondence from them at all.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX, # XXXX Account name : XXXX, # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX XXXXXXXX # XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a bankruptcy in XXXX. I included a mortgage with XXXX XXXX Bank in that Chapter XXXX bankruptcy. The debt was discharged in XX/XX/2010. 

XXXX XXXX has left this item on my file for 8 years simply as a " charge off ''. I filed a dispute with the three bureaus to have this item updated as " included in bankruptcy '' and the status changed to " unrated '' as provided by federal law. 

XXXX  properly updated the record. But Experian simply changed the narrative to " reaffirmed '' ... ( the debt was NOT reaffirmed ) and left the status as a " charge off ''. Now it is possible an inexperienced clerk simply made an error making this " negligent non-compliance '' with federal law.
Product: Debt collection

I am writing to file a formal complaint against your bureau for inaccurate and incomplete credit information. I am extremely distressed that the information included in my credit report profile has failed to maintain reasonable procedures and operations to assure maximum possible accuracy in the credit reports that are published. As per the credit reporting laws, bureaus are required to report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I request you to immediately re-investigate the following information as it is entirely inaccurate and incomplete, and as such, represents a very serious error in reporting : XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$28000.00}. I respectfully request you to provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit card

This dispute is against Chase Bank. It reports a charge off to my personal account for a business credit card opened by me on behalf of a business called Be   XXXX   XXXX   XXXX   approximately  XXXX  years ago.     This business credit card was opened as a business account by a business banker. He opened a savings and checking account for the business first, then asked if I wanted to open a business credit card. I consented. At NO time did he ever state to me that while this was a business account, that I would be personally responsible for payment of this account. Further he never showed me an application stating such. In fact, he did the entire application process on line, on his computer, facing him. I never saw any information, I was never given any information and I c ertainly NEVER signed anything stating that I would assume personal responsibility for this business account. I would NEVER have opened the Visa Card account had I known that I would be personally responsible for the debt of the business.      This banker clearly made a mistake by not having me sign anything. It is not for me to prove that I did not receive any information, it is for Chase Bank to prove that I did receive information and that I did sign an application stating that I would assume personal responsibility. They can NOT prove that I did because I did not sign anything. Interestingly, just yesterday I received a letter from  Chase Executive Office stating that their position remains the same, that I am  personally responsible and it attached a  16  page copy of the application I should have received, but did NOT receive. Not at the time with this banker, and not ever. This is clearly   Chase 's error, one for which I should not and can not be made personally responsible just because Chase says it 's their policy.
I find it very difficult to believe that the process is : I filed a complaint with    TransUnion about the  Chase post,   XXXX  goes back to the wrongdoer,  Chase, and asks them to reconsider, Chase says no, a nd that 's it. So  XXXX  reports harmful, damaging and costly information without recourse or responsibility? You ca n't possibly hide behind the shield of " Chase told us NO so it 's a NO '' and " We are only the reporting service ''.     I   want this post removed from my credit report immediately. It does not belong there. This was a business account, not a personal one. Chase ca n't force this on me just because they want to or their policy says so. They have to prove that I assumed responsibility and I did NOT.
Thank you very much.
Product: Payday loan, title loan, or personal loan

Hey I was calling checking in with the company I even started a new seasonal job to help cover my payments but they where extremely high. I dont even understand where high interest fees come from I feel they do it just so they have your automobile aint noway one day you owe one amount then the next day its an extra XXXX on the payment thats ridiculous. I feel its wrong & its really just too easy for them to get your property I got behind XXXX payment & after that I was grass I woke up to start my job one morning the vehicle was gone I been down every since because I dont get tax money at all that just crazy I feel like some should be done about title max places or they should at least give you money back if they take your car from you its sad.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, XXXX XXXX notified me that they would no longer service my loan as of XX/XX/2023. Please see attached document. The new servicer of my loan became New Rez as of XX/XX/2023. I sold the property on XX/XX/2023. I no longer own the property, but both XXXX XXXX and New Rez have failed to properly update the credit agencies that a mortgage no longer exists on the property. My credit reports are all showing mortgages for a property that I no longer own. I have filed disputes with the credit agencies, but my credit reports are still not being updated.
Product: Credit reporting or other personal consumer reports

Synchrony denied my application for a credit line. They were given inaccurate information from a credit agency XXXX ) who violated my consumer rights 15 USC1681 ( a ) ( 1 ), in addition 15 USC 1681 ( b ). If reasonable efforts were made to VERIFY the Date of issuance of my social security number which was the identifying number that was used to link data to my credit report starting 1986 in NJ, it would have show I was only XXXX yes old at the time. Therfore making it illegal for me to have entered into ANY credit agencies report. I expect CIVIL FINANCIAL LIABILTY, for each VIOLATION, that occurred as decided by XXXX not limited to 15 US 1681 ( n ) ( a ) ( 1 ) ( A ), or the amended sections created by CFPB, to hold credit agencies responsible for such HEINOUS, RECKLESS, WILFUL, non compliant behavior, that has caused me GREAT FINANCIAL DISSPEAR, due to the fact, I have to deal with high interest rates on my current lines of credit
Product: Mortgage

XXXX XXXX XXXX Director of Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Dear Director XXXX, As director of the Consumer Financial Protection Bureau and as a member of the board of directors for the XXXX XXXX XXXX XXXX, I and tens of thousands of individuals who had mortgages with Washington Mutual N.A. plea, that the CFPB give clarification to the following issue : When the FDIC and JP Morgan Chase signed the Purchase and Assignment Agreement dated XXXX XXXX XXXX that gave receivership to JP Morgan Chase, did the FDIC sell the mortgages that were held by Washington Mutual individually and in securitized trust to Chase or did this simply transfer the mortgage servicing rights to Chase? 
This question is being litigated across the county and JP Morgan Chase has argued both sides of this argument across the country depending upon which argument benefits their interest in a particular situation. 
JP Morgan Chase has argued that they only acquired the servicing rights and not the mortgages as stated in the Purchase and Assignment Agreement dated XXXX XXXX XXXX. The argument is that the mortgages and the mortgage servicing rights are divisible items. This argument was made in " XXXX XXXX XXXX XXXX XXXX vs. FDIC, WASHINGTON MUTUAL BANK, JP MORGAN CHASE BANK and WASHINGTON MUTUAL SECURITIES CORPORATION in a summery motion to dismiss and motion for partial summary judgment page XXXX of motion. Filed in the United States District Court for the XXXX on XXXX XXXX XXXX. Case No. XXXX ( XXXX ). 
Yet, JP Morgan Chase both forecloses on Washington Mutual mortgages and also sells Washington Mutual mortgage notes to Investors, claiming authority being vested to them by the same Purchase and Assignment Agreement dated XXXX XXXX XXXX. Do they need to disclose to note buyers that the mortgage notes being sold are currently either in default or in foreclosure? 
JP Morgan Chase and its note buyers, use the differentiating state statutes to apply their version of the PAA to their advantage. Results have been overwhelming in favor of the note holder.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
XXXX XXXX XXXX XXXX -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- XXXX EXPERIAN XXXX XXXX XXXX -- -- -- -- - XXXX
Product: Credit card or prepaid card

Someone opened an account under my name through comenity bank with a charge of XXXX something dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I requested my free annual credit report online from Equifax through the website annualcreditreport.com. The site said that they are unable to provide it. As this error with Equifax has repeated each of the last seven years, I submitted a complaint on the above date with the CFPB requesting that my report be made available to me online each year. Please see Complaint XXXX for details. 

Equifax responded with a canned reply that seems to address a different complaint, but not mine, and then essentially the same error message I see every year on their web site. I responded with feedback, but when I submitted it I saw that the status of the complaint is " Closed ''. Apparently the complaint is closed once the offending company responds. 

Here 's a copy of the feedback I submitted : " Thank you for responding to my complaint. Unfortunately you seem to have misunderstood the problem. I did not report that there were " inaccurate or incorrect items reporting '' on my credit file, as your response states. I complained because you have not made my report available to me online for years. 

In your response you say, " the identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. Please provide a legible photocopy of a valid document that shows your name, current address and complete social security number. '' I stated clearly in my complaint that I have provided this information to you by mail, as you requested, in XXXX and again in XXXX. You were able to finally verify it and send me my report each of those years, there is no reason you can't verify exactly the same information now. 

In my complaint I requested that Equifax fix the glitch that keeps me from receiving my free annual credit report online every year. Your response is simply a repeat of the error I see when I request it year after year. Sending you hard copies of my sensitive information was not enough to resolve this issue ; it must be something else in your system that needs to be fixed. ''
Product: Debt collection

The company first financial resources calls me multiple times a day from multiple numbers. They had stopped for a few months after I disputed the debts but they just started again. Every debt theyve listed claim I owe, they claim I owe twice. On my account with them everything is duplicated so it says I owe them a ton of money. They also reported the duplicate debts to my credit bureau impacting my credit score.
Product: Credit reporting

Out of all of the XXXX major credit reporting agencies only Equifax makes it impossible to obtain a free credit report. Equifax also makes it impossible to use the dispute system listed on it 's main website. I feel as though this reporting agency is being deceptive in it 's dealings with the public and only wants to be of assistance to paying customers.
Product: Credit card

XXXX I contacted Chase Slate card services twice to get a pay off for XXXX credit cards. I was told they could not give me an amount. I paid the balance on both cards and closed the accounts as of XXXX XXXX 2016. I the received a bill for {$170.00} XXXX XXXX XXXX I went into Chase and spoke to a loan officer about getting pay off. She spoke to Chase services and told me to pay {$170.00} that day. I did pay the amount. I contacted the WA Attorney General because I felt they should have given me a pay off. Today a representative of Chase called me I was told I had to pay an additional {$11.00}. I went back into a Chase bank a loan officer called services and spent over an hour trying to get this fee waived. He was told no. We offered to pay the amount if we could have an email or something to say it was paid off. The card rep said no. The local loan officer was told it was the principal. I then found out the {$11.00} was for XXXX of the cards that had a XXXX balance when I checked XXXX XXXX. The {$11.00} posted XXXX XXXX. How can I get them to stop charging me and why cant they calculate a pay off when someone calls even their loan officers. I am told all is legal. Sounds very wrong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been XXXX  days since I've sent in a letter to each credit bureau requesting that that they tell me how they verified some inaccuracies on my credit report. They sent me a vague response with no explanation and now I feel like I am being taken advantage of. My credit is a serious matter to me and I feel like they are not taking the issue at hand as important as they suppose to. I am prepared to file for litigation if necessary. I need assistance with this issue.
Product: Vehicle loan or lease

PAC Auto Finance XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, Re : Complaint Regarding Vehicle Repossession and Communication Practices I am writing to formally lodge a complaint concerning the repossession of my vehicle and the subsequent communication practices employed by PAC Auto Finance XXXX 

Due to unforeseen circumstances, I fell behind on my car loan payments. As of [ Date ], the total amount owed was {$13000.00}. I have maintained possession of the vehicle since XX/XX/year>. Unfortunately, I lost my job and my apartment, leaving me without a stable residence. The vehicle became my primary means of transportation. 

I reached out to PAC Auto Finance to discuss my situation and explore possible solutions. Despite my efforts, I was informed that I was still behind on payments. On XX/XX/year>, I contacted the company and spoke with a XXXX who was uncooperative and rude. She stated that the company had contacted the post office to verify my previous address and accused me of providing false information. Additionally, she mentioned that all calls are recorded and that my references were being contacted, causing me embarrassment and distress. 

I explained that I do not have a phone and that I am currently staying at my fathers residence, information I had previously provided. The XXXX insisted on knowing my exact location and accused me of hanging up on her, which I did not do. I am now in the process of starting a new job and securing housing. However, without my vehicle, I will be unable to attend therapy appointments, commute to work, or meet my financial obligations, including rent and bills. This situation places me at risk of homelessness. 

Complaint : I am dissatisfied with the following actions : 1. Repossession Without Adequate Notice : I was not provided with sufficient notice or an opportunity to cure the default before the repossession occurred.

2. Harassment and Invasion of Privacy : The company contacted my references without my consent, causing undue embarrassment and distress.

3. Unprofessional Conduct : The managers behavior was unprofessional, accusatory, and lacked empathy for my circumstances.

Requested Resolution : I respectfully request the following actions : 1. Reinstatement of Loan : Allow me to reinstate my loan by paying the overdue amount and any associated fees, enabling me to regain possession of my vehicle.

2. Review of Communication Practices : Ensure that all communications are conducted professionally and respectfully, adhering to privacy laws and regulations.

3. Consideration of Financial Hardship : Take into account my current financial situation and work with me to establish a manageable payment plan. 

I trust that PAC Auto Finance will address these concerns promptly and work with me to find a fair and reasonable resolution.
Product: Vehicle loan or lease

they are reporting 30-59 days late from XXXX which is incorrect all payments was on time an up to date
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I opened a account with Cenntinial Bank and I did a intial deposit of {$100.00}, and the same day I did a check deposit for {$100.00}. The bank put a XXXX business day hold on my cashiers check, so I stopped payment on my XXXX deposit, because of the long hold period with my cashiers check. I was advised that my account had a hold until my cashiers check cleared. My check has cleared and my account is still blocked from any use.