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

On XX/XX/22 my checking account at Chase Bank was charged {$610.00} for a transaction that was done by XXXX XXXX, in XXXX, XXXX, for XXXX flights from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and then from XXXX XXXX XXXX XXXX back to XXXX XXXX for 2 women named XXXX and XXXX XXXX XXXX This info I received by e-mail from XXXX XXXX confirming flight information. As soon as I saw the charges on my account, which was XX/XX/22, I notified my bank, and that debit card was replaced with a new one with a different #. I filed a dispute with their Consumer Claims Dept., and at first they took the charges off of my account, and then put them back on. I called to find out why and was told that after investigating the transaction, they decided that I either made or authorized the transaction. I have been banking with Chase for about 20 years, and have never made a transaction like this, and I have never authorized or let anybody use my debit card. I contacted Chases Consumer Retail Dept. and they responded saying that the merchant had proof that I benefited from this transaction and that the case was closed. I wrote them back saying I never made or authorized this transaction, and was told the case was closed and I would receive something in the mail. One other thing the bank did send me an " unusual or suspicious transaction notice '', but had already allowed the transaction to go through. When I asked them if they knew the transaction was " unusual or suspicious '' why did they allow it, instead of putting a stop or freeze on it, they wouldn't answer me. The claim # I filed with my bank is # XXXX. Please help me, I don't know where to go or who to talk to. Personally, I think XXXX XXXX or an employee of theirs committed this fraud, but I don't know. My bank knows what my transaction history is and they should have never allowed this to even happen.
Product: Debt collection

Attention dispute department CREDIT MANAGEMENT LP XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT MANAGEMENT LP XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit card

On XXXX XXXX I found out that someone add their name to my account, and I did not know this person. So, I talk to bank.
Product: Mortgage

I got a loan for XXXX on 18 acres with mobile home in 1997. Then loan was sold to XXXX XXXX XXXX, then they sold loan to SN Servicing LLC, then back to XXXX XXXX XXXX, then back to SN Servicing. My loan amount went up to XXXX plus. Then at one point they said I owed XXXX on loan. After 23 years they say I owe XXXX plus yet. I am XXXX I have paid over XXXX over 23 years why am I still paying on this??
Product: Money transfer, virtual currency, or money service

I have disputed unauthorized transaction on my chime account with chime on two occasions and both times the results of the dispute came back denied. They refuse to investigate properly to help me get my money back. They also informed me via email that they would send documentation used to investigate this matter within 10 days but they never did. Money was stolen from my card. 

The first occasion was on Tuesday, XX/XX/XXXX in the amounts of XXXX. XXXX XXXX XXXX {$140.00} XXXX. XXXX XXXX XXXX {$200.00} XXXX. XXXX XXXX XXXX {$140.00} XXXX. XXXX XXXX XXXX XXXX {$75.00} The second occasion was Tuesday XX/XX/XXXX XXXX. XXXX XXXX XXXX for {$100.00} XXXX. XXXX XXXX XXXX for {$200.00} XXXX. XXXX XXXX XXXX for {$100.00} XXXX. XXXX XXXX XXXX for {$150.00} The first occasion email they sent on XX/XX/XXXX said " Hi XXXX, We would be happy to send you the documents used in our investigation that helped us determine the outcome of your claim. This will include information that we had available to us at the time as well as additional information/evidence that the merchant provided to us, if any. Please know that we will send the requested documents as quickly as possible but it may take up to 10 business days. Thank you for your patience in this matter. 

Thanks, XXXX | The Disputes XXXX XXXX refuse provide to credit my funds back after I informed them that my card was stolen.
Product: Debt collection

XXXX IS TRYING TO COLLECT A DEPT FOR XXXX XXXX  THAT IS NOT OWED. I HAVE N'T HAD SERVICE WITH XXXX FOR TWO YEARS AND ACCOUNT WAS PAID IN FULL AT TIME OF DISCONNECT. THEY HAVE REFUSED OR ARE UNABLE TO PRODUCE ANYTHING SHOWING WHY DEBT IS OWED, BUT THEY ARE STILL TRYING TO COLLECT. 

I KNOW THIS DEBT IS NOT OWED AND HAVE MADE SIX PHONE CALLS TO XXXX TRYING TO RESOLVE IT, IT APPEARS IT 'S AN ERROR IN THEIR SYSTEM AND WHEN I TALKED TO THE PEOPLE AT XXXX AS THEIR CUSTOMER SERVICE REPS WOULD SEE THE ERROR THEY WOULD PASS ME OFF ( THEY DID N'T KNOW HOW, COULDN't OR WOULD N'T FIX THE PROBLEM ) NOW IT 'S IN COLLECTIONS AND IT 'S BEING PERSUED AND IT 'S UNACCEPTABLE. 

REF XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX FAX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repprting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights 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 1681 c. ( 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 or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Checking or savings account

This is a complaint about Citibank. 

In XX/XX/2020, I opened and funded a Citibank Savings Account with {$76000.00}. Two months later, I tried to transfer {$95.00} out of that account and was informed that my account was " locked ''.

Six months later, my account is still " locked '' and I do not have access to my funds. I have talked to over 25 people at this bank ; customer service reps, managers, tech support, fraud department, etc. and no one can tell me why my account is locked or how to get it unlocked.

Two different representatives told me to visit my Citibank branch to get an answer. I live in XXXX and the closest branch is in XXXX XXXX ; 830 miles away. When I called that XXXX XXXX branch manager, she just laughed and had no suggestions.

I've sent multiple emails. I've even sent two registered letters requesting that my account be closed. I've been promised three times, by bank representatives, that they will investigate and get to the bottom of the problem. 

So far ... crickets. 

No communication from the bank, my account is locked and I still can't get to my money.
Product: Mortgage

The mortgage account was reached with XXXX and was updated by modifying the mortgage loan. For this reason, arrears that appeared in previous years can be eliminated. If so desired, the " allonge '' agreements can be sent to update the mortgage. Attached documentation of the XXXX mortgage. In the credit factor I understand that it can be reported as up to date and not with 28 late or missed payments.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$6400.00} XXXXXXXX - XXXX - XX/XX/XXXX - {$720.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1000.00} INQUIRIES XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

I paid off the remainder of my student loans on XX/XX/year>. I actually overpaid, and Mohela now owes me {$4.00}, as indicated by my Current Balance of XXXX XXXXXXXX. I have tried to call Mohela and sat on hold. I sent them a message on XXXX asking why they have not returned my overpayment to me as well as inquiring where my Paid in Full letter to indicate that the account has been closed due to my paying of the entire debt is. I have not received any correspondence from them via phone, email, messages on the portal, or physical mail. I am at my wits end and want my money and proof that my student loan has been paid in full and that I do not owe them any more money. It has been incredibly infuriating dealing with this company over the entire course of me having loans with them.
Product: Checking or savings account

I overnighted a check to Capital One per their instructions. They could not verify receipt for several days even though I provided tracking. They continued to give me excuses like it must be processing. The check posted on XX/XX/XXXX with an available date of XX/XX/XXXX. I called customer service to inquire and the customer service department out of the country is asking for too much information. They asked why I have the check. I explained the check earlier. Its not every customer service reps business Why I have a check! They should verify funds and release my money. Enough is enough. They are holding my funds unnecessarily. I have business to take care of. At this point they are giving me the run around. This is unacceptable! Please have someone contact me to resolve this matter. This is a settlement check from a car accident in XXXX.
Product: Credit card

I got a XXXX  inquiry on my XXXX XXXX notification. When I logged in to my account it was for Bank of America. Its was for an XXXX  XXXX XXXX. The application did get denied and I file a complaint and there mis ongoing investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX -XX/XX/XXXX time frame I had contacted Capital One in order to be proactive advising them that my husband had been admitted to XXXX for a XXXX XXXX and I was having financial hardship from only having 1 income and wanted to avoid my credit from being ruin was there anything I could do I couldnt afford the amount of payments on both my accounts. I was entered into a financial hardship program for both cards. They told me once I was approved I had to make 3 payments on time and the past due amount would go away. That never happend on 1 of the cards and it is reporting against me as past due affecting my credit report. I had called in the beginning in XX/XX/XXXX and XX/XX/XXXX and was told by I think XXXX once I made 3 payments that past due amount go way. Still never did. I called today XX/XX/XXXX XXXX told me its a computer glinch and Capital One trying to fix it I told her NO that is not true because if it were then how is my XXXX card fine but the XXXX XXXX is reporting past due and I am in the program on both. Once I refuse to accept that answer she comes back to tell me I have to pay {$72.00} in order to bring it current and this was never told to me before and how was I approved for this program and never told this until today she claims there are no notes from the 3 previous conversations THAT STRANGE I asked her isnt that weird there are no notes of our conversation but yet they see I called she agreed. I wanted to speak with supervisor was told I had to wait to get a call back she wasnt sure when or who it would be REALLY and this is wrong I want my credit fixed and Capital One to beheld responsible I worked hard to repair my credit which is ruin because of them.
Product: Debt collection

We had no hot water in the kitchen to properly clean our dishes. This went on for 1 1/2 months. And we had no heat in our apartment which caused us to live in our bedroom with XXXX portable heaters that we purchased. Per Kentucky tenant Code KRS 383.545, landlords are required to supply these to all tenants which they did not. So we initiated our right per KY law 383.625 to terminate our lease. We paid XX/XX/2015 and moved out XXXX XXXX, 2015. We only had 1 month left on our lease which was XX/XX/2015. Our rent was {$1000.00}. We lawfully terminated our lease and they 're trying to collect a debt we do not owe.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Inaccurate Charge-Off Information on My Credit Report Dear Sir, Madam, I am writing to dispute inaccurate information on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( 15 U.S.C. 1681 ) and 611 ( 15 U.S.C. 1681i ). The information in question is a charge-off reported by XXXX XXXX XXXX XXXX 

This charge-off is inaccurately reported because the status update and the status of the charge-off do not correspond and are contradictory. Specifically, the charge-off status was recorded in XX/XX/XXXX, while the status was updated in XX/XX/XXXX. This inconsistency violates the FCRAs requirement for accurate and non-misleading reporting ( 15 U.S.C. 1681s-2 ). It is essential that the status of the account is reported accurately and consistently. 

The details of the inaccurate charge-off are as follows : Creditor : XXXX XXXX XXXX Date of Charge-Off : XX/XX/XXXX Status Update : XX/XX/XXXX Dispute Reason : Account Information Incorrect Attached, please find copies of relevant documentation supporting my claim. According to the FCRA, you have 30 days to complete this investigation and provide me with the results ( 15 U.S.C. 1681i ). If the account can not be verified within this period, the account must be completely removed from my credit report as required by the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ). 

Thank you for your prompt attention to this matter. I expect to receive a response within 30 days of receipt of this letter as required by the FCRA. 

Sincerely, [ Your Name ]
Product: Debt collection

I called to get documation on the listed debt, There is no phone number listed on my XXXX credit report with the company, I sent a letter to the address to the address and have not received a response. I disputed through XXXX and the debt remains.
Product: Debt collection

I received a letter from Bridgecrest Credit Company Dated XX/XX/2022 Stating " We have reviewed your account and have verified that you still owe the amount due under the contract. '' As you can see in exhibit A I uploaded, they violated me per 15 U.S. Code 1692d - Harassment or abuse : ( A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ) : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 

They then state " we have determined that you are still in possession of our vehicle. '' As you can see in exhibit B I uploaded, they are violating me per 15 U.S. Code 1692e - False or misleading representations ( A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ) : ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

The ( apparent ) lien holder ( according to the DMV and my car registration ) is XXXX XXXX, yet Bridgecrest Credit Company is falsely claiming to be the lien holder & claiming that my car is " their vehicle. '' If you notice in Exhibit A they also say " our vehicle, '' and then say " your vehicle. '' This is a clear attempt at threatening and intimidating me via malicious heresay- without PROOF OF CLAIM to back their allegations. I am demanding that BRIDGECREST stop contacting me, never threaten me again- and cease all alleged claims against me- unless they want a Default Judgement filed against them in Federal District Court . I will additionally be forwarding this matter to the Attorney General of CA and the XXXX  so they can investigate BRIDGECREST 'S fraudulent business practices against Federally Protected Consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of responsibilities and I noticed a few accounts that I wanted a little more explanation on. Im not saying that they are reporting right or wrong Im saying that I am not 100 % sure if they are. I also read something called a Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C Sec. 1681i ( a )? I heard if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 % right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30days to complete this investigation. Please investigate the following accounts and remove them if anything is missing and correct them, XXXX XXXX account # XXXX Cancel Contract. Please provide the original contract or delete XXXX XXXX XXXX XXXX  account # XXXX Cancel Contract. Please provide the original contract or delete XXXX XXXX account # XXXX Cancel Contract. Please provide the original contract or delete. 

XXXX XXXX XXXX XXXXS account # XXXX Cancel Contract. Please provide the original contract or delete. 

XXXX  XXXX account # XXXX Cancel Contract. Please provide the original contract or delete. 

-Date of birth on all three credit bureaus 1989 with no month or date. Please Delete XXXX & XXXX account # XXXX Cancel Contract. Please provide the original contract or delete. 

XXXX XXXX account # XXXX Cancel Contract. Please provide the original contract or delete. 

-XXXX  account # ( no account number available ) Cancel Contract. Please provide the original contract or delete. 

XXXXXXXX XXXX account # ( no account number available ) Cancel Contract. Please provide the original contract or delete. 

-XXXX XXXX account # XXXX ( Has NO LATE PAYMENTS ) Please Correct I demand the following accounts be verified or removed immediately. I also read where I can get the updated report after you investigate this form, the free Lawyer guy said. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX, we set up an account in Paypal for our company. After receiving the first payment, Paypal limited the account. We called to try to collect the money. The company said in 6 months they will lift the limitation. It is XX/XX/XXXX. The message is still there and it is impossible to receive help from Paypal. 
This is the message : Because of potential risk exposure, we've permanently limited your account. You'll no longer be able to use the account for any transactions. 
We send our IDs and the EIN number of our company. I have taken screenshots of the situation. Apparently, many people are in the same situation. Paypal doesn't help and is keeping our money. Paypal deletes old messages so I am sending the ones from XX/XX/XXXX.
Product: Credit card or prepaid card

XXXX XXXX this is a XXXX  balance and account has been closed
Product: Money transfer, virtual currency, or money service

My Venmo account was closed because it said I violated a policy because I guess I sent to much money to my mom for rent and so now the money is froze in a account for 180 days and we are about to get evicted