23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX Chase Mortgage Payoff, to get payoff amount, to payoff the remaining balance of my homeowners mortgage. I recieved the amount via email, after talking to rep and reciveing a secured password from them. I was told that there was no need to include any paper work with my payoff check. Just a specific address to send the check to. 

XXXX out check for total of payoff amount as indicated, inculding intrest through XX/XX/2022 for {$45000.00}. Addressed it to the mortage payoff branch of Chase. 

XXXX check for the {$45000.00} was cashed and taken out of personal savings account. 

XXXXreceive an inperson contact from a Chase customer that out mortage payoff check was applied to his account by mistake. He ALERTED Chase of this on XX/XX/2022, and we knew nothing of it. 

XX/XX/2022 at XXXX Called Chase customer service to report our cashed check was applied to someone else 's mortgage, and our account will be in LATE status. 
I was told that someone would contact me in 2-3 business days. 

XX/XX/2022 at XXXX XXXX- Called Chase customer service to report that I had not heard back from a rep regarding the mistake and now my mortgage is showing LATE status in payment. After she reserached, I was assured that someone would call me back in 2-3 business days. 

XX/XX/2022 at XXXX XXXX- I went into a Chase branch and sat with a rep there who called the customer service. After recording my complaint and speaking to a rep, she was told that someone would research and call me back in 2-3 busniess days. 

Chase has given me the personal account information of the customer which check was applied and he has recieved a copy of my personal check, and also all the paperwork of payoff on his mortage. As of XX/XX/2022, XXXX, nothing has been done and no one from Chase has called me regarding this issue. I have also received a new payment for my monthly mortgage that states I have late fees and have not made payment on my account, even though they cashed my check on XX/XX/2022.
Product: Checking or savings account

Previous complaint XXXX This is the second complaint I have had to raise. I have received my check from the first complaint. Have travelled to chase and theyre refusing to accept it because you sent me a check with the number smudged at the bottom. 

This is now 2 months and not receding my funds. The people in the branch were useless and not willing to help in anyway. 

This has also cost me {$50.00} in XXXX trips there and back. 

I want a new check sent out as a matter of urgency and I want to be refunded my travel cost due to this being a fault of Chase bank and not me.
Product: Debt collection

There are too many dates to document however here are a few XX/XX/18,XX/XX/18, XX/XX/18, XX/XX/XXXX, on and on. In addition they have called my ex-husband, my daughter, one of my sons and a sister. I have repeatedly asked them to tell me who they are, who the collector is, and asked them not to call me and my family. They refuse to divulge any information until an address is verified and they get the last 4 numbers of my SS number. I am not comfortable with this due to having my identity " stolen '' through health insurance company, Target breach and IRS breach. 
I decided to finally give the info and attempt to work out an agreement. It was a male caller with a XXXX name that I unfortunately did not write down. I gave him a bit of push back regarding my SS # but then gave it. He spoke so fast I could barely follow his script. He was aggressive and harassing in his manner and statements. Repeatedly saying " this is a breach of contract '' I told him I fully understood what this was and he had made the statement 6x and to please stop because it was completely unnecessary and harassing. I asked him if I could just set up a payment arrangement or did he have to send me paperwork. He again spoke so fast I could not follow and again began with harassing statements. I told him I was about to hang up and I didn't want to speak to him. He told me to hold on and he would get a supervisor on the line. I held on for several minutes and he kept coming back saying hold on. I told him I was about to hang up. He again started with his script and I hung up. I called back to get the company name and address and was hung up and disconnected. It took two additional calls to get the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated that my XXXX account was properly investigated, but how is that possible if the High Balance is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Closed Date is inaccurate, the Creditor Type is inaccurate, the Creditor Remarks are inaccurate, the Last Payment Date is inaccurate, the Account Type is inaccurate, the Credit Limit is inaccurate, and the Date of Last activity is not accurate, each of these are a SEPARATE VIOLATION. They also unlawfully reported my payment history in these months and years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each of these dates is a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing for myself and my child! This is grounds for removal. They also violated my rights under 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not identify the following information appearing on my credit report : XXXX XXXX XXXX Type of Industry : Other Collection Agencies Account Number : XXXX Address:XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Phone Number : ( undefined ) undefined
Product: Debt collection

I am being contacted by your company concerning a debt owed to you. I am disputing owing any and all debts to your company. I am also revoking all rights of your company contacting me via email, text, and calls. 

I am requesting debt validation from your company. And requesting the purchase agreement between your company and the original creditor. Along with requesting that you furnish me proof that your company are licensed and bonded. 

I have not been given the chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Nor has your company provided me with validation information under 12 CFR 1006.34 ( b ) ( 5 ).

Your company is in the practice of violating my consumer rights by using false, misleading, misrepresentation and deceptive means.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

My husband and I have been leasing a Honda XXXX for over two years now with Honda. However, they have not been reporting our lease payments on our auto loan to credit bureaus. I have called Honda Financial 5 times since XX/XX/XXXX in which they advised me that they have fixed issue and will report all payments to credit bureaus for my husband and I as this has happened to multiple of there clients. They also advised that they were aware of issue but only report if customer requests. However the issue still has not been fixed. Due to this my husband and my credit report is inaccurate as it shows we never had an auto loan when in fact we do. I attempted 3 times to speak to or get a call back from manager. However I never received one. All the representatives state is that the issue has been fixed when its not. This is affecting my husband and I tremendously as our credit scores are inaccurate. I have only been late on XXXX payment out of XXXX so far. All our payments are on time. I find it ridiculous that they still have not fixed issue but expect payments to be on time. They call me if Im a day late with payment but cant seem to fix issue of making sure it reports to credit bureaus!
Product: Credit card or prepaid card

I have a account with Discover Card, over the months i notice their unprofessionally business. Now on the of XXXX i had an emergency and i happen to pay the bill on XX/XX/. The bill was due onXX/XX/XXXX. however i called and see that my payment was never late they happened to fix it and it was only one day and i was the one that caught it but because it was an emergency my mind was blanked on the that day it was due. They discover promised to send me a email after the conversation after waving the late fee but never did.. 
i happen to go in my account today XX/XX/ and saw late fee {$40.00} plus the next payment due on XX/XX/ of {$81.00} which should be {$59.00}. In other words the late fee was waved so the amount added should be taken off. I called and was told the fee stays and next month that's XXXX the money come back down, which makes no sense because i am still paying the waved late fee. i need you help to look into this before the bill is due on XX/XX/. i will not pay the {$81.00} it should be only {$59.00} because the fee was taken off. this is a fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I went to U S Bank XXXX at XXXX XXXX XXXX XXXX to acquire a checking Account for My XXXX XXXX XXXX ( XXXX XXXX XXXX ). The Customer Rep said the account could not be open because it was the policy not open accounts that owed the bank money. But the Rep didn't give me a decline statement. The recovery debt department later ask why I had not paid the charged-off items in questions. I answered XXXX XXXX XXXX and a deceased wife that gave all her money to her children. The recovery Rep then reduced the debt from {$600.00} to {$200.00} but bank did not allow the opening of a business account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not perform their due diligence and my information was improperly and illegally obtained from their systems. I am now highly subject to stolen identity and other frauds in my name.
Product: Credit reporting

I am addressing your agency because there is Public Record Information on my personal credit profile that I am challenging as inaccurate in its filing. The case was a voluntary dismissal. " Dismissed '' means that it is adjudicated by the law and therefore not recognized as a completed or satisfied filing. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization. By what right does the credit reporting agencies hold my identity and credit under " Consumer Lock '' for 10 years when it does n't exist? I approached the Bankruptcy Court and they confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Product: Debt collection

I received a voicemail message from " XXXX '' at " Legal Prevention Services '' looking for my boyfriends mother. My boyfriend received the same phone call about XXXX minutes later. I did not answer, so a voicemail message was left on my phone revealing the full name of my boyfriends mother and the fact that she owed a debt. Upon returning the phone call and immediately stating that I had received a message in reference to a debt owed by a person other than myself, she asked me for the number that she had reached me at and again stated the full name of my boyfriends mother and that her call was in reference to a debt. She continued to elaborate stating that when a debt reaches a certain stage, they use an internet search to locate any possible associates of the debtor and are authorized to contact them. Although this may be true ( I personally think its wrong ) she can not reveal to me that a debt is owed, and she did this XXXX to me and XXXX when she spoke to my boyfriend. From a quick XXXX search it would appear that this " agency '' violates the FDCPA with each and every phone call it makes.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was ran for a car it seems without my permission. Have fought with the company and credit bureaus with no luck. XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX all are being reported by all 3 credit bureau and have been paid in full no miss payments but the company is a bad company I had 3 cars not miss payments and they repo my car in error. Then a lawsuit was field and they were to remove charge yet they still did n't. I need help removing these off my credit. I have fought with them for so Long. I 'm need help.
Product: Credit reporting or other personal consumer reports

Never had a credit card with XXXX XXXX XXXX, I have summitted a police report that my identity was stolen provided information to the credit bureaus. There has been a fraud alert placed on my account due to that matter. According to the 15 U.S.C 1681 law there should not be any damages on my account. That is defamation to my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recieved an alert detail from XXXX XXXX on XXXX/XXXX/XXXX they found report through XXXX credit agency. 

Regarding : Suit or judgement notification submitted by Navient Solitions INC. 
date filled XXXX XXXX, XXXX date satisfied XXXX XXXX, XXXX court : Navient Solutions INC Status : Grid code XXXX Case number : Navient Solutions Inc of XXXX  IN I have called Navient to discuss this matter representative was not helpfull at all and seemed he had no idea what i was speaking of currrently my loans are not in default and on auto payment through my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent : XXXX XXXX XXXX XXXX {$880.00} XXXX  {$1000.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX  {$200.00} XXXX XXXX {$230.00} XXXX XXXX XXXX {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is stating false in information. They are reporting a XX/XX/21 late. As they are stating that I made XXXXXXXX XXXX  payment late. When the draft for XXXXXXXX XXXX payment did not go through. I called and they advised me that they are not accepting payment as the account closed and was sold to another company. At this time, they didn't give me any information, and they stated that the new company would contact me with the new information and how to make payment. Once received I called and made the payment with XXXX. However, I was not late and should not be marked as late. this XX/XX/21 late is erroneous!! It is complete violation that they are reporting this as a late, as for one, they longer had this account. Two, I did not request my account to be transferred and this was out of my hands. I was ADVISED to make PAYMENT to the NEW Company!!! As soon I received this information the payment was made.
Product: Credit card or prepaid card

On XX/XX/XXXX I tried to pay a bill online at XXXX with my Chase Sapphire credit card. Chase blocked the charge and sent me an email and a text message saying they alerted it as fraud, that no charge was made, and to try it again ( after confirming it was in fact me ). So I tried the charge again on the Sapphire card. They again blocked it and send me an email and text message saying that the charge was not made and to try again, after confirming it was me. I tried a third time, now using my Chase Amazon card, and it was blocked again and all the same things happened. By the fourth time, my card went through. Then, I received all of those charges on my amazon and sapphire cards. I have called Chase 4x asking for them to dispute those charges with XXXX and asking them to correct the charges made on the cards as a result of their " fraud protection. '' I still am being charged for 3 repeated charges. I have also tried calling XXXX after Chase told me they could not help me and that I have to contact XXXX. XXXX will not help me because I no longer have an account with them. It is now XX/XX/XXXX, I am still being charged for the exact same payment XXXX.
Product: Consumer Loan

In XXXX I received a letter in the mail from Ford. The letter contained my lease account number, make, model, year and balance of my current leased vehicle. The letter also had an offer from Ford - in large letters : Enjoy new. NowBuy or lease a new vehicle with Ford Credit and Ford will make up XXXX payments on your car lease. XXXX See letter from Ford attached ) Based on this letter, I went to Ford and turned in my car 3 months early, leased a new Ford and financed through Ford credit. The payments on my XX/XX/XXXX Escape were {$240.00} ; payment on my new lease vehicle, a XX/XX/XXXX Escape is {$570.00}. 
At time of purchase I asked about the {$740.00} due to me from Ford. I was told by finance at Ford XXXX that since I had already paid all my lease payments in advance Ford would issue a refund check ; that never happened. I have made over a dozen calls to Ford Credit, XXXX XXXX and the Ford dealership and all they do is point fingers that it was someone else 's responsibility, not their department. On XXXX separate occasions, and by XXXX different people I was told the check was in the mail, it never came! 
Last week the sales manager for the Ford dealership I purchased the car from told me he was equally as frustrated with Ford and even their dealership could not get to the correct person or get any consistent answers. I am about to make my third car payment, now I am told not to expect Ford to live up to their commitment to me. 
I purchased this vehicle solely based on the Marketing letter of early termination from Ford. I have been cheated and mislead by Fords false and misleading advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB For the las t three months , I have written to Equifax on several occasions disputing the fact that the items listed below are incorrect. The credit bureau continues to state that they have verified the debt. Let this be a formal complaint against Equifax. The following accounts are the items the credit bureau has refused to investigate correctly. Also, I would like to add that the other  XXXX  major credit bureau s (  XXXX  and  XXXX  ) are reporti ng accurate and correct information about this account.      1.    XXXX    XXXX  Credit Card. Available balance and Credit limit are reported incorrectly.   2.  XXXX   XXXX   XXXX   (    XXXX   XXXX   ) I re quested to Equifax and the creditor listed on the report, several times, for proof that this account belongs to me. As of today, neither party has provided me any contract or any documents that proof that I am the owner of this account. I also notice inconsistencies with their last payment date since it is noted as  XX/XX/2017    on my credit report. I do not recall having any account with this company (  XXXX   ) I a m attaching a copy of my credit report by Equifax as of  X/XX/17    and also I am attaching my credit card last  XXXX  statements.     I thank you in advance for your assistance on this matter.        XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. These names are not suppose to be on my credit report : XXXX XXXX XXXX  Law 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
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, around XXXX XXXX, I noticed emails that informed me I had sent a wire transfer of {$4500.00} to an unknown recipient and a XXXX transfer for {$990.00} to another unknown recipient. I rushed down to my bank to have them reverse the transfers, as I never authorized them, I'm guessing my computer was hacked and somehow the hackers got into my online banking. Instead of immediately freezing my account and calling the banks where the transfers went to, the banker told me it didn't work that way and proceeded to call the Wells Fargo fraud team who assured me they would look into the fraud. They were fairly indifferent about how serious this was to me and took 8 days to complete their investigation, and finally sent me letters indicating that the wire transfers were not fraud, that I myself or someone I authorized, made the transfers and there was no way I was getting my money back. Talk about a slap in the face, all this from a bank that has been accused of fraud itself the past few years for opening fraudulent accounts under their customers names! Please see the attachments I have uploaded to you for all the details. Thanks