23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Credit bureau : XXXX XXXX XXXX I noticed some inaccuracies.I previously sent a letter regarding this dispute on XX/XX/2023. 
The Mistakes have not been removed fromy credit report. 
. The below accounts are in fact remain inaccurate and fraudulent should be removed Immediately. 
ThIs account is fraudulently Reported under the following : CALIFORNIA CIVIL CODE SECTION 1950.5 ( B ) CALIFORNIA CIVIL CODE SECTION 1950.5 ( F ) CALIFORNIA HUD 4350.3 REV-1 ( 7-18 ) US FCRA 1681s ACCOUNT XXXX XXXX XXXX. 
XXXX BALANCE : {$7100.00}
Product: Credit card or prepaid card

I would like to file a complaint against Chase Cardmember Services regarding the mishandling of a valid dispute. I had an issue with an auto repair shop ( XXXX XXXX ) that did not properly repair my vehicle, caused further damage, and returned the vehicle four times over the course of one month, each time unrepaired. I finally took it to another repair shop that fixed it correctly and stated in writing that the prior shop had installed parts incorrectly, causing damage. The disputed charge was made on my Chase XXXX card on XX/XX/2020 ( posted XX/XX/2020 ) in the amount of {$2900.00}. I initiated my original dispute with Chase on XX/XX/2020. Chase never contacted me to discuss the dispute, but sent a letter dated XX/XX/2020 stating that they considered the charges valid. I had sent detailed documentation by fax on XX/XX/2020 that they claimed to have not received. I had also contacted them by phone in early XXXX but only got the response that it was " under review ''. I requested to re-open the dispute on XX/XX/2020, and again sent detailed documentation by fax. Chase responded by letter dated XX/XX/2020 that they still considered the charges valid because there was no billing error. I never claimed that there was a " billing error. '' My claim was that the merchant did not complete a service that I paid for, and the quality of workmanship was completely unacceptable. In fact, they caused further damage in addition to a great deal of inconvenience and extra expense when I was without my vehicle for over a month. In good faith, I expected Chase to be my advocate, and they did not do their job.
Product: Credit card or prepaid card

XX/XX/2019 XXXX  XXXX XXXX XXXX was closed due to the COVID 19 pandemic flu virus I was not able to pay may bills I dispute it but no action is being done
Product: Credit reporting or other personal consumer reports

Sentry recovery I move out the Apartments XX/XX/XXXX .I didn't not pay rent for XXXX and half of XXXX but XXXX XXXX paid the recovery balance for me and this company saying I owe a debt to this apartments and I don't I have proof to show
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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
Product: Credit card or prepaid card

My statement ending XXXX had a due date of XX/XX/XXXX Then I receive a new statement with a due date of XX/XX/XXXX, with an interest charge added of XXXX with a date of XX/XX/27, before the previous statement was due This new statement cycle was only 16 days, below the minimum in the card member agreement. 

This {$60.00} interest charge is an error, I should not have been charged interest before the payment was due
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

Over the span of a week, I was sent payments from a user with last name, XXXX, from XX/XX/XXXX to XX/XX/XXXX, four in total, three for {$1000.00} and one for {$500.00} for a total of {$3500.00}. These were completely normal, legitimate transactions, with somebody I had previously sent and received money from on Venmo. However, a couple days later, they disputed the transactions, pulling my account to a - {$3500.00} balance and suspending my account. But just a couple days later, the investigation had already been completed and I received four emails from Venmo/Paypal stating that the investigation is complete and Our investigation team has determined your dispute has been resolved in your favor. No further action is required and we consider this claim closed. If there was a hold on this transaction, it has been removed. In those exact words, they told me that the claims are in my favor and that my account would be returned to {$0.00} instead of negative and the hold removed from my account. 

However, after receiving those emails on XX/XX/XXXX stating that its been resolved in my favor and it is officially closed, just a few days later on XX/XX/XXXX, I received more emails stating that because the user filed a dispute with their bank ( since Venmo/Paypal ruled in my favor and against them ), that Venmo is staking the blame on me and charging me for it, even though their own investigation team even said that it should be resolved in my favor and that there was no error or unauthorized transaction. Now, they went back on their own word and claim that my account would be returned to its normal status, and my account is now back to being - {$3500.00}, unusable until I pay this amount which I should not owe as they ruled the resolution in my favor and even said it was closed, and my account is now suspended with this negative amount until I pay it. I have already reached out to the user but no reply from them, filed a police report, and contacted Venmo about them going back on their own investigation ruling. However, their response was completely unsatisfactory and just said that users shouldnt participate in activity that might result in disputes or claims and similar sentiments, but that makes no sense as I have dealt with this person multiple times with no issue, I had no idea these transactions would result in disputes and claims, its not my fault. And even with the claims being ruled in my favor, Venmo still went back on their word and changed the ruling, solely because the other user filed a claim with their bank instead, yet the customer support agent did not address this at all in their email.
Product: Checking or savings account

MY CLIENT, XXXX XXXX XXXX HAD A CHECKING ACCOUNT AT CHASE BANK, XXXX XXXX BRANCH, FLORIDA. 
ON OR BAOUT BETWEEN XX/XX/XXXX SHE DEPOSITED A XXXX CHECKS TOTALLING {$21000.00}. ALL THE CHECKS WERE SIGNED BY THE MAKER, A XXXX XXXX. THE CHECKS WERE DRAWN ON HIS ACCOUNT AT XXXX XXXX XXXX XXXX XX/XX/XXXX. 
THE CHECKS WERE DULY DEPOSITED. ALL THE CHECKS WERE PRESENTED TO XXXX XXXX XXXX, WERE VERIFED AND ***PAID. CHASE RECEIVED THE SAID {$21000.00} FUNDS AND INITIALLY CREDITED XXXX XXXX 'S ACCOUNT. 
CHASE THEN FROZE HER ENTIRE ACCOUNT, INCLUDING, APPROXIMATELY {$9000.00} OF HER OWN FUNDS THAT WERE UNRELATED TO THE 4 CHECKS DEPOSITED. 
CHASE REFERRED THE CHECKS TO THEIR FRAUD DEPARTMENT. AT FIRST THEY FALSELY CLAIMED THAT THE 4 CHECKS WERE " THIRD PARTY " CHECKS. THEY WEREN'T!. 
THEN, NOT WITHSTANDING THATXXXX PAID ON ALL CHECKS, CHASE STILL REFUSED TO RELEASE SAID FUNDS, NOW CLAIMING THE SAID CHECKS LOOKS " SUSPICIOUS '' OF FRAUD AND INSISTED THAT THE MAKER, VERIFY THE AUTHENTIICITY OF SADI CHECKS. AGAIN, THE DRAWER BANK, XXXX DID NOT ASSERT ANY FRAUD OR ALTERATION AND PAID SAID CHECKS, THE MAKER, XXXX XXXX IS UNAVAILABLE, IN HOSPICE WITH A TERMINAL CONDITION IN A HOSPITAL IN XXXX AND IS UNABLE TO CONTACT CHASE BANK. 
HOWEVER, XXXX XXXX ***DID*** VERIFY, PERSOANLLY, THE AUTHENTICITY OF SAID CHECKS TO XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ; WHO, I AM INFORMED, PERSONALLY CALLED THE FRAUD DEPARTMENT AT CHASE AND VERIFIED TO THEM, THAT HE PERSONALLY SPOKE TO XXXX XXXX WHO CONFIRMED THE CHECKS WERE AUTHENTIC AND VALID. 
CHEASE STILL REFUSED TO RELEASE SAID FUNDS. 
CHASE CLOSED XXXX XXXX 'S ACCOUNT ; CHASE HAS STEADFASTLY REFUSED TO FURNISH ANYONE IN THEIR LEGAL DEPARTMENT TO DISCUSS THE ISSUE ; DEMAND HAS BEEN MADE FOR CHASE TO DO ONE OF THE FOLLOWING : A ) IMMEDIATELY RELEASE SAID FUNDS TO XXXX XXXX, BECAUSE SAID FUNDS BELONG TO HER, NOT CHASE ; B ) RETURN SAID FUNDS TO XXXX ; XXXX  ) INTERPLEAD THE FUNDS INTO COURT, BECAUSE CHASE DOES NOT HAVE THE LEGAL RIGHT TO HOLD THESE FUNDS. 
FINALLY, XXXX XXXX HAS, THROUGH COUNSEL, FORMALLY OFFERED TO INDEMNIFY CHASE FROM ANY FUTURE CLAIMS AGAINST THESE CHECKS, IN THE UNLIKELY EVENT, XXXX XXXX OR XXXX WOULD LATER MAKE A CLAIM OF ALTERATION. HOWEVER, XXXX HAS ALREADY DETERMINED THAT, PURSUANT TO THE UCC, THESE CHACKS WERE " PROPERLY PAYABLE '', AND THEREFORE XXXX PAID THEM. 
CHASE 'S BEAURACRATIC NIGHTMARE MAKE IT IMPOSSIBLE FOR A CONSUMER TO DO ANYTHING, PARTICULALRLY, WHERE THEY ARE INSTRUCTED NEVER TO FURNISH THE NAME OF A LEGAL COUNSEL FOR A CONSUMER 'S COUNSEL TO COMMUNICATE WITH. 
CHASE 'S CONDUCT VIOLATES THE FLORIDA UNFAIR AND DECEPTIVE TRADE PRACTICES ( FDUTPA ) ; CONSTITUTES CONVERSION AND MOST LIKELY VIOLATES NUMEROUS BANKING REGULATIONS. 
ON INFORMATION AND BELIEF, THIS IS AN ON GOING PRACTICE WHERE CHASE FREEZES ACCOUNTS, AND THEN GETS TO USE FUNDS THAT DO NOT BELONG TO THEM. 
WE SUSPECT THAT AN INVESTIGATION WILL REVEAL THAT THIS IS A WIDE SPREAD PRACTICE. WE WOULD NOT BE SUPRPRISED IF CHASE IS THE NEXT XXXX XXXX XXXX. 
WE BELIEVE THE WALL STREET JOURNAL WOULD BE INTERESTED IN THIS FRAUDULENT PRACTICE.
Product: Credit card

my XXXX XXXX went down XXXX points because my report is still showing a large balance owed to US Bank... why do charges almost immediately appear on my credit report, when my balance goes up... but payoffs take weeks to report?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX 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 XXXXXXXX Companies is unsure of it's own process of consumer rights as debtors. They Do Not follow Uniform Commercial Coding or Rules. This company has committed Corruption, Asset Misappropriation, Financial Statement fraud, Corporate Fraud, embezzlement, Forgery, wrongful abstraction, wrongful Conversion, Tax fraud. 

15 U.S. Code 1605 - Determination of finance charge 12 U.S. Code 1431 - Powers and duties of banks 12 U.S. Code 1432 - Incorporation of banks ; corporate powers ; housing project loans 15 U.S. Code 1 - Trusts, etc., 42 U.S. Code 408 - Penalties 15 U.S.C. 1691 ( a ) 15 U.S.C. 1691a ( e ) 15 U.S.C. 1691 ( e ) 12 C.F.R. 202.2 ( l ) 15 USC 1605 ( a ) 15USC 1605 ( b ) 15 USC 1681a ( k ) ( 1 ) XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Back in XX/XX/2023, I made a purchase for a XXXX, TX hotel through XXXX XXXX  and decided to pay via Affirm. However, I ended up cancelling the trip, to which XXXX agreed to cancel. I received numerous emails about missing a payment, to which I called Affirm to have this resolved so that this does not impact my credit score or borrowing power. Attached is an email I received from the representative I spoke with on the phone where she indicated that I provide evidence of the cancellation. I provided the receipt of that transaction in response to her email, to which I continue to receive messages about the missing payments. Their emails indicate that you can reply back ( seen at the bottom of the second email ), though this is not the case ; emails are not read when replying to automatically generated emails. The most recent email about a missing payment is also included in the attachment, with a blank page separating the two email messages. Thank you.
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681. 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, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX is a collection agency who refused to remove negative information from my credit report. The original creditor withdrew the account and dispite disputes they are still trying to collect a debt now owed and one that has been wiped out by the original creditor.
Product: Debt collection

Good afternoon as attachments below will have details of being removed several times i do not know why they continue to harass me and i will take legal action. 
dates and actions are below this description. 

REPORT NUMBER : XXXX DATE GENERATED XXXX XXXX DEBT COLLECTORS XXXX  XXXX & XXXX XXXX Debt Colletors ENHANCED RECOVERY CO L They have embarrassed me and toyed with my personal credit by selling these accounts multiple time as it has been removed
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian for a XXXX XXXX credit card account that appears on my credit report twice. I've only had one credit card with XXXX XXXX but two are being reported. I filed several disputes, and talked to the appropriate department but this issues stll hasnt been resolved. My latest dispute was in early XXXX of XXXX XXXX XXXX verfied the inaccurate information on my account.
Product: Debt collection

ARS IS REPORTING THIS MEDICAL BILL ON MY CREDIT.
Product: Checking or savings account

I have an account with USAA and they have decided to end my banking relationship with them because of another non-bank related product issue. They were to close my account within 30 days of XX/XX/2020. As of today, XX/XX/2020 and being physically here at the branch in XXXX XXXX to withdraw my funds I am being told I still have to wait. My bills and other obligations have now gone seriously delinquent and may cause me to get evicted and Utlilities terminates because I can not access my funds.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPS 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leavings users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX has failed to fulfill it's legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against XXXX and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX and XXXX has neither corrected nor removed disputed accounts, as XXXX and XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I DID NOT CONSENT TO, AUTHORIZE NOR XXXX FROM LISTED ACCOUNTS
Product: Debt collection

According to the directions given on this letter that I received, they accept disputes electronically at XXXX. However, there is no way to submit a dispute. In addition, this debt is for my ex-wife, and that debt should be discharged from my account per the recent legislation passed in regards to XXXXt loan debt
Product: Credit card

BARCLAYS WENT ON MY CREDIT 6 TIMES W/O APPROVAL IN VIOLATION OD FCRA
Product: Credit reporting or other personal consumer reports

I opened a XXXX XXXX card in store. I paid the balance in full. I never activated the card. I received a bill and was told the balance was from purchases. I said I never even activated the card and I paid for the XXXX purchase I did make. They then said my payment was late and charged {$100.00} in fees. I asked for proof it was late and proof of how the amount jumped to {$100.00}. I received no proof. I asked them to close the account. They refused and called multiple times a day. I filed a complaint with your agency and although they said they closed the account, they still call me and my credit score dropped from high XXXX to low XXXX over this XXXX derogatory lie! I cant believe this credit card company is allowed to extort money through fraud and I as the consumer am suffering dearly! This is not right. They are literally extorting money from consumers by fraud!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

I am putting a second complaint on Citibank because they sent a response in the last complaint stating they updated the social on my account and re reported the account with my new social to wait 30-45 days for the credit bureau to update the information and I have waited close to 60 days and nothing has been updated this is a perfect example of what I have been going through with them for the last 5 months. I need this account to be re reported with the accurate social I spoke to the credit bureaus and they told me there has not been a reporting from them since 2010
Product: Credit reporting or other personal consumer reports

I was alerted of a decrease in my credit score with TRANSUNION decreased by 31 after inquiring the reason for the decrease I noticed incorrect information my balance for XXXX XXXX  is INCORRECT, this needs to be corrected IMMEDIATELY. I have attached statements from my account for XXXX, showing the correct information. XXXX XXXX XXXX XXXX
Product: Mortgage

We discovered that our Mortgage lender Fifth Third Bank have been for many years, treating us unfairly with our monthly mortgage amounts and payment of Principle and interest and our escrow amounts and balances.This resulted in a prolong legal battle between us and fifth third bank.After our lawyer won our case not once but twice, fifth third agreed to another modification in 2018 and agree to a new principle and interest amount {$260000.00} cents, we have accepted this new modification and have been paying on time, but fifth third mortgage department have been treating us unfairly and have since increase escrow payments on us, which they were not suppose to charge us, and have also increase the monthly agreed mortgage payments to more than $ XXXX addition to these complains, they have ignored the legal settlement amount that " no other amount but the said amount of {>= $1,000,000} cents is owed to fifth third bank from the XXXX, XXXX defiance to the law, and legal council Fifth third Bank has added a deferred balance of {>= $1,000,000} cents to our mortgage balance of under {$220.00} at present.In repeated contact to the bank, ourselves and our Lawyer they have not removed that deferred payment clause and, now it is causing us great difficulty, in starting a new project with the equity we have built up in our property.We need your help in resolving this problem as soon as possible.