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

Chase has been forcing me to make double payments on my mortgage. If I dont make the double payments they ding my credit report. I have spent months working with their executive team members and through XXXX without resolution. 

Mortgage initiated XXXX  2022 Monthly payment due {$2400.00} Total owed from XXXX - XXXX is {$14000.00} Payments that have been made : XX/XX/XXXX {$5200.00} XX/XX/XXXX {$5200.00} XX/XX/XXXX {$5200.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} TOTAL PAID : {$34000.00} On XX/XX/XXXX the issue was supposed to be resolved and they credited me {$10000.00}. 

However, this issue was not resolved. 

Chase is stating they refunded me three of the XX/XX/XXXX payments. Those refunds have never been received. 

I have been fined twice for late payments for XXXX and XXXX and have a 60 day late payment ding on my credit report for XXXX. 

Lastly, my mortgage principal is not going down even with the extra payments. 

What needs to happen to resolve the situation is : 1. They need to discover what is going on in their system to prevent this from reoccurring. 
XXXX. I need the negative ding on my credit report for XXXX removed. 
XXXX. I need to be refunded the two {$81.00} late fees 4. I need a refund of {$9200.00} {$34000.00} ( total paid ) - {$10000.00} ( XX/XX/XXXX credit received ) - XXXX ( XXXX payments due ) = {$9200.00} XXXX. My mortgage principal needs to be adjusted accordingly
Product: Debt collection

I had two credit cards with Bank of America. 

I fell behind on payments after being sick. I joined a group called XXXX XXXX XXXX, who I paid to take over my accounts and get the debt reduced and paid off. I paid XXXX  a monthly fee. 

I then get served a summons after paying XXXX every month for over 2 years by these very mean and rude people at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX I called XXXX XXXX XXXX. I gave them close to my entire life story. The asked for my Employers information and the previous two employers information. 

XXXX XXXX XXXX faxed over 200 times, called over 150 times and sent over 300 letters to my then employer. The messages advised the company the I was a fraud, a loser and should not be trusted. 

This is me versus a law firm. I was let go. After 5 months of being unemployed, I now have a job. 

What they ( XXXX XXXX XXXX ) did to me has to be unlawful.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and I notice that there is a fraudulent account, please remove this fraudulent account because is affecting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or repair the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you in good health and high spirits. I am writing to seek your valuable assistance in resolving an issue that is hindering my entrepreneurial aspirations. As a dedicated and driven entrepreneur, I am eager to expand my business and contribute to the economic growth of my community. However, repairing my credit has become an essential step in achieving these goals. 

I have recently encountered challenges in securing favorable financing options and business partnerships due to negative account XXXX  XXXX account XXXX that appears on my credit report. This account has a significant negative impact on my credit score, impairing my ability to access the financial resources necessary for business growth and development. 

Understanding the crucial role the Consumer Financial Protection Bureau plays in safeguarding consumer rights and promoting fair lending practices, I kindly request your intervention and assistance in addressing this matter. I believe that the presence of this account is inaccurate and unjust. 

I have made diligent efforts to rectify this situation on my own by disputing this account with the credit reporting agencies. However, the response received thus far has been insufficient, leaving me with limited options to effectively resolve this issue. I humbly request your intervention to ensure a fair and accurate representation of my creditworthiness, thereby enabling me to pursue my entrepreneurial endeavors without undue obstacles. 

Enclosed with this letter, please find copies of my credit reports where the disputed account is clearly visible. I trust that this evidence will aid in your assessment of the situation and assist you in facilitating a resolution. 

I kindly ask that you undertake a thorough investigation into this matter, ensuring that my credit report accurately reflects my creditworthiness as I strive to expand my business. Your assistance in removing this account from my credit report will significantly enhance my chances of accessing the necessary financial resources to propel my entrepreneurial journey. 

I am truly grateful for your attention and support in this endeavor. I eagerly anticipate a favorable resolution that will positively impact my ability to grow and contribute to the economic prosperity of my community. If there are any further details or information required from my end, please do not hesitate to contact me at your earliest convenience. 

Thank you for your time, consideration, and dedication to consumer protection. I greatly appreciate your commitment to ensuring fairness and accuracy in credit reporting. 

Yours faithfully, XXXX XXXX
Product: Credit card or prepaid card

I tried to order XXXX tickets through Amex 17 months ago. They told me I had to open an account and would then be given early access to the tickets, but that there was no annual fee. I called and called, waited through the cue, but wasn't able to get the tickets. No card, no statements for a year. Then, in XX/XX/XXXX or XX/XX/XXXX, I received a statement with the only charge being the {$190.00} annual fee. I mailed the payment stub back with " please close account '' written on it. The next month I received the same statement with no mention of closure. My wife called and asked them to close the account, but they told her they wouldn't talk to her because her name wasn't on the account. The third month, I again wrote " Cancel Account '' on the stub and mailed it back. A few weeks later, I received a letter from American Express saying the account was closed, but that I would have to pay any charges that came through. When the next statement came, again with only the {$190.00} annual fee, I returned it with a copy of the letter I had received saying the account had been closed. Yesterday I received a different, shorter letter saying only that because I failed to close the account within 30 days of the first annual fee being charged, I was still required to pay the annual fee of {$190.00} on a card I've never used and can't use now because they closed it without telling me I'd be paying the fee without receiving any services. To date, I have not paid the fee and would like to avoid having it go to collections. 

Please note : because I never received a card ( or if we did, we've never used it ) and because Amex doesn't provide more than the last 5 digits on their billing statement or correspondence, I can't provide you the full account number. I can only say it ends in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This relates to on going complaints/investigations currently underway. As of recent, XXXX reports one of two student loans I had co-signed for was a " charge off ''. This was not even a factor before I began my complaint against them. This loan was never in " Charge Off ''. In fact I have recently ( see attached ) recieved a letter from XXXX XXXX ( affiliated with XXXX ) congratulating me on paying off my loans with them. This orginal complaint concerned purported " missed payments '' alleged by XXXX concerning me and my Daughter, XXXX XXXX XXXX. We steadfastly deny such " missed payments ''. More than this, if indeed such payments were " missed '' XXXX reports this three times concerning a single loan. Originally three three checks had been issued by XXXX for a single school years and concerning the same time period. This does not constitute three loans let alone three loans late all at the same time. And at no time had any of these loans been in " Charge off Status ''. To date, XXXX, has exceeded sisty days to provide copies of original documentation as demanded. Additionally, XXXX has failed to provide documentation to support claims that " missed payments '' had been made by mhy daughter or myself.
Product: Mortgage

I believe this company is discriminating against my family because we are a XXXX couple.
Product: Credit card

During my travels abroad, I encountered an overbilling issue at a hotel, which was duly acknowledged by the hotel staff. Subsequently, I received correspondence from the hotel extending apologies for the error, alongside a request from their banking institution for Citi Bank to intervene and rectify the situation. Regrettably, my initial claim with Citi was rejected, followed by a subsequent rejection of the second claim. I've been informed verbally that the third claim was approved ; however, as of yet, I haven't received any written confirmation from Citi. 

The frustration arises from the apparent reluctance of Citi to address a customer 's legitimate concern, despite clear communication from the hotel owner acknowledging the overbilling and their bank 's explicit request for Citi 's involvement. Despite possessing undeniable documentation supporting the validity of my claim for a credit, Citi continues to dismiss my credit requests, which is deeply concerning. Furthermore, the bank has informed me of their action in crediting Citi with the amount owed to me following Citi 's belated outreach to them. Yet, I find myself unable to obtain a transparent and honest response from Citi regarding the resolution status. 

Throughout approximately XXXX to XXXX communications, the consensus among Citi 's lower-level staff unequivocally supported the legitimacy of my claim. However, there seems to be a discrepancy between their acknowledgment and the decisions made at higher echelons, resulting in continued rejection of my claims. 

This persistent discrepancy is not only disconcerting but also indicative of a systemic issue within Citi, reflecting a lack of commitment to fulfilling customer promises and an apparent deficiency in oversight mechanisms.
Product: Money transfer, virtual currency, or money service

I am writing your office because the OCC referred me to your office for assistance. 
I initially wrote the OCC in XXXX XXXX  XXXX. 
Our late mother XXXX XXXX XXXX received a response correspondence from Wells Fargo Bank N.A. subsidiary XXXX XXXX XXXX XXXX XXXX, in which the said bank 's general counsel informed our mother the bank did not own her railroad property and only had a lien on said property.

Upon independent investigation it has been verified said bank has unlawfully collecting revenues generated from the unlawful use of our family 's property and treating said revenues as ordinary income from time immemorial and refuses to give an accounting of the revenue stream nor provide quarterly statement to me in my position as trustee and pursuant to 11 United States Code Section 543 Turnover of Property by a custodian. 

Wells Fargo held unlawful lien on said property for over 35-years long after the bank was paid through a bankruptcy trustee in the XXXX XXXX XXXX  Florida. 
The bank is continuing to use the property and collect revenues unlawfully without our consent nor authorization and is a " Trustee In invitum. '' On XX/XX/XXXX I filed a complaint with the Federal Reserve Board in Washington D.CXXXX, against Wells Fargo Bank N.AXXXX, also on XX/XX/XXXX the Federal Reserve Board froze the bank 's balance sheet. Subsequently, Wells Fargo Bank instructed its personnel to file a release of mortgage. 
To date the bank has yet to account for the revenue stream. 

The revenue exceeds $ XXXX dollars and pursuant to 12 CFR section 9.10 ( b ) the bank is required to set aside collateral to secure revenue which exceed FDIC insurance. 
Thanks in advance for any help. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and I am submitting this CFPB complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$35000.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX Balance : {$7100.00} XXXXXXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance : {$600.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$100.00} XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XXXX I sent documents but I haven't received any response yet. It's almost 30 days now.. I feel like I'm being taken advantage of and being ignored for my disputes. 
I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused report me.
Product: Credit card

I have inquiries on my credit report that are a hard hit, that I have not requested or authorized. The hard hit is affecting my credit negatively. I have requested for the company to remove them, and was told that there was nothing that could be done on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information I sending is about the fraud I found on my credit report I attach the list of the fraud information I found on my credit.
Product: Debt collection

As per FCRA 605B it's illegal to report anything on my credit without my permission. Any debt Disputed should be reflected as so or deleted. Please remove this inaccurate information within four days of this notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00}
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX however, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Student loan

In accordance with the Fair Credit Reporting act XXXX Account that is on my credit report has violated my rights. The date of this accounts are XX/XX/XXXX, {$10000.00}. There is a balance of {$21000.00} XX/XX/XXXX in the amount of {$7600.00} XX/XX/XXXX in the amount of {$8900.00} XX/XX/XXXX in the amount of {$4900.00} XX/XX/XXXX in the amount of {$4200.00} XX/XX/XXXX in the amount of {$4100.00} XX/XX/XXXX in the amount of {$1900.00} XX/XX/XXXX in the amount of {$3200.00} XX/XX/XXXX in the amount of {$1600.00} XX/XX/XXXX in the amount of {$1400.00} XX/XX/XXXX in the amount of {$1100.00} XX/XX/XXXX in the amount of {$1000.00}
Product: Debt collection

Yet another call from Alliance One, this time it was XXXX XXXX in XXXX ... se said they would remove me from the data base ... same thing they said last time i complained. 
PLEASE REMOVE my number from your data base, i have had this number for over 3 years ... I am not your debtor Previous complaint # XXXX
Product: Checking or savings account

The Issue : On XX/XX/2022, I just made a purchase in XXXX XXXX XXXX XXXX at XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX at which a notification from Chime alerted me on XX/XX/2022, at XXXX, asking me if I was trying to use my card at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I responded No ( see attached photo ) because I clearly just used my card for a purchase in XXXX XXXX XXXX prior to this fraudulent attempt. Then on XX/XX/2022, at XXXX pm, I received a notification from Chime that a successful ATM withdrawal was made for {$400.00} at XXXX XXXX XXXX XXXX, XXXX XXXX California which I did not make. Immediately after, there were two more fraudulent withdrawal attempts for {$400.00} and another for {$100.00} that was successfully blocked. I would also like to note that this fraudulent withdrawal was made when I had full possession of my debit card with me at my home in XXXX XXXX. I have also been a loyal Chime member for over XXXX years and have never used an ATM on XXXX XXXX XXXX once. 

I called Chime to immediately report the fraudulent {$400.00} withdrawal on XX/XX/2022, and they disputed the claim and stated that they have " concluded that there is no error ''. I called Chime immediately after this determination and appealed the claim. I provided them with screen shots, time stamps, etc. and they once again " concluded that there is no error '', and this was " investigation '' was determined in a matter of hours. 
I called again this morning XX/XX/2022 at XXXX and spoke with the Chime manager XXXX XXXX and requested the documentations that states how these decisions were made and he was of no help to further settle this issue. When asking XXXX if he can please read the e-mail statement that included proof about my claim, he lied and said that he did not have access at the moment, until I threatened him that I was going to contact legal authorities, he then was able to access and read my statement to me.
Product: Money transfer, virtual currency, or money service

Tried to talk with PNC Bank too allow me to link my checking account to my XXXX account. I got disconnected three times and the issue has not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed items which I believe were reported in error. 


XXXX XXXXXXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; GXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX