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

Chase bank : Claim XXXXI noticed my funds were low on Chase app and is when I seen a large withdrawal on XXXX/XXXX/XXXX for {$200.00} and {$100.00} on XXXX/XXXX/XXXX which is not mine. I called Chase bank on XXXX/XXXX/XXXX, submitted claim for those first two and hung up. Then I started backtracking and seen other smaller amounts and called Chase again and added those to the claim and is when the bank rep and I counted a total of 11 transactions between dates XXXX/XXXX/XXXX through XXXX/XXXX/XXXX for a total of {$1000.00} at the same exact ATM machine, and most took place between XXXX XXXX XXXX. At first it was small amounts so it was n't noticeable, so the last two larger withdrawals is when I took notice. I do n't withdraw cash from a Non ATM because of the steep bank fees. I was given credit for the full {$1000.00} on XXXX/XXXX/XXXX, but they reversed the credit on XXXX/XXXX/XXXX, the reason : because it was done at an ATM machine and my pin was used. I had no idea how this took place being that the my debit check chip card was on me at all times and I do n't give out my pin or write it on my card. I called Chase and was told I would have to prove where I was when transactions were taken out. I can not prove where I was at XXXX XXXX I filed a police report on XXXX/XXXX/XXXX, report # XXXX with Officer XXXX XXXX with the XXXX XXXX CA police dept. I also filled out an Identity Theft Victims Complaint and Affidavit and got it notarized and faxed to Chase on XXXX/XXXX/XXXX. I might also add that the Police Dept. is who explained to me what skimming was since I was unaware this was possible. Chase claims department kept giving me run around and would give me different dates to follow up on my claim since according to their claims rep, they were backed up. As of today, XXXX/XXXX/XXXX, they sent me an email denying my claim again, even after submitting all necessary documents for full investigation. I 've had the same bank account for over 20 years and I have never had anything like this happen. I am saddened and in shock that a bank that I pay fees to every month, does n't care about their clients even when its clear that these withdrawals were fraudulent.
Product: Credit reporting or other personal consumer reports

I wrote to the 3 credit reporting agencies Experian, XXXX XXXX XXXX XXXXXXXX  explaining the section 15 USC 1681a. Means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. which was not fulfilled on my end, I have multiple inquiries that have not gave consent for, Credit Card Utilization, XXXX car installment loan. XXXX wrote me a response XXXX, XXXX XXXX, & Experian all are saying the information is accurate
Product: Mortgage

BMO Harris has in the past and again is not posting extra principal payments to 3 of my loans. 
Loan 1. Payment made {$1200.00}. Normal payment is {$650.00}. Extra principal XXXX never applied and payment for {$1200.00}. never even shown on statement. Only shows what was due as a payment. Stopped making auto payments as they say their computer system does not recognize the extra payment. Now write a check for each loan and hand deliver it to the bank with the extra principal amount shown on the payment coupon. Still they continue to not post these payments correctly. 

This has happen with 3 loans I have with BMO. 

Earlier this year they started the same practice of not applying extra principal payments and it took 3 months to straighten out.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act, XXXX  accounts : XXXX, XXXX, XXXX, and fortiva  have violated my rights. I have made repeated phone calls and sent out letters concerning any and all late payments. 

15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX BK XXXX XXXX XXXXXXXX, BK XXXX XXXX XXXXXXXX
Product: Student loan

I made a payment of amount due on my student loans on XX/XX/2023, in the amount of {$240.00} via my account portal. I received an email confirmation of my payment and a confirmation number. 
On XX/XX/2023, I then get an email stating that my account was past due and that I needed to make a payment. I log on to my portal to find that my payment was 'reversed ' and that I was past due. My payment was reversed XX/XX/2023, per portal. 
I did not receive any communication regarding this reversal nor a reason for the reversal. There is no record of them attempting to pull funds or return funds with my bank, and I know my routing/account number were correct since I pulled them from a bank slip. I have never been able to reach an agent, either by phone or by chat.
Product: Debt collection

XXXX AND XXXX ON BEHALF OF BANK OF AMERICA HAS SERVED ME WITH JUDGMENT FOR THE ACCOUNTS THAT I ALREADY HAVE A PAYMENT PLAN IN PLACE ... 
BACK IN XXXX DUE TO FINANCIAL HARDSHIP I HAVE REQUESTED BANK OF AMERICA TO REDUCE INTEREST RATE ON THE XXXX CREDIT CARDS THAT WAS AT 46 % APR AND MY PAYMENTS WERE CLOSE TO {$1300.00} EVERY MONTH. I WAS TRANSFERED ALL OVER THEIR PHONE SYSTEM WITH NO LUCK WITH MY ATTEMPTS TO REPAY THEM. THEN BANK OF AMERICA CLOSED MY ACCOUNT AND REPORTED IT AS CHARGED OFF TO MY CREDIT. ON XXXX OF XXXX XXXX COLLECTIONS HAVE CONTACTED ME ATTEMPTING TO COLLECT DEBT ON BEHALF OF BANK OF AMERICA ( SEE ATTACHED LETTER ) AND REPAYMENT PLAN WAS IN PLACE. THEN ON XXXX XXXX, XXXX I WAS SERVED WITH DEMAND TO REPAY ON SAME ACCOUNTS FROM ANOTHER COMPANY XXXX AND XXXX ( LETTERS ATTACHED ). NOW ON XXXX XXXX, XXXX I WAS SERVED WITH THE SUPPENAT FROM XXXX AND XXXX REPRESENTING BANK OF AMERICA FOR THESE ACCOUNTS THAT I ALREADY HAVE A REPAYMENT PLAN AND HAVE BEEN PAYING TO XXXX. 
WHEN I ATTEMPTED TO CONTACT BANK OF AMERICA TO FIGURE OUT WHO AM I PAYING ON THIS DEBT AND WHY ARE THEY SUING ME WHEN I HAVE BEEN PAYING THESE ACCOUNTS I WAS TRANSFERRED ALL OVER AND EVENTUALLY WAS TOLD THAT THIS IS A CHARGED OFF ACCOUNT AND THEY ARE NOT COLLECTING ON THIS ANYMORE ... I 'M TOTALLY CONFUSED NOW. XXXX AND XXXX IS AGGRESSIVELY PRESUING THE COLLECTION EFFORTS THREATENING TO PUT ME TO JAIL IF THESE BIG AMOUNTS ARE NOT PAID IMMEDIATELY. PLEASE HELP
Product: Checking or savings account

I tried to file a complaint with the Executive Office at Chase regarding their rejection of a Bill Pay I requested to pay my annual property taxes. I filed a separate complaint on that matter with the CFPB. 

Chase apparently doesn't have a formal complaints process for customers. I talked to a phone banker, who transferred me to a supervisor, supposedly in a complaints department, who looked up my information and then wanted to transfer me to another department. I requested he open a complaint with their Executive Office to do the research and notify me on the resolution, rather than me spending time getting transferred around to different departments. The phone bank supervisor apparently entered notes of my complaint in their system, however would not give me any kind of complaints reference number, or name of anyone that would follow-up with me. 

Chase 's " complaints '' process is unacceptable. Additionally, they apparently have no controls in place- no call monitoring that I was informed of, or anything, to monitor the customer experience in trying to file a complaint.
Product: Credit card

I paid the payment of {$60.00} in XXXX and attempted to make XXXX other payments in XXXX, the bank rejected it and I made another payment in XXXX. They closed my account for " not making the extra {$6.00} payment '' and instead of contacting me about the XXXX payment issue they closed the account. I have attempted to reach out to them for help. I only had the card from XXXX. I believe they offered me the credit card just to receive a monthly payment of {$130.00} Minimum Payment. I exhausted all of my options to communicate the issue and they are unprofessional. 

DEBIT CARD PAYMENT XX/XX/year> - {$30.00} WEB PAYMENT RECEIVED XX/XX/year> - {$100.00} WEB PYMT - REVERSAL XX/XX/year> {$100.00} WEB PAYMENT RECEIVED XX/XX/year> - {$60.00} WEB PYMT - REVERSAL XX/XX/year> {$60.00} AUTO PAYMENT DEDUCTION XX/XX/year> - {$39.00} AUTO DEBIT INCENTIVE PAYM XXXX XXXX, 2024 - {$5.00} AUTO PAYMENT DEDUCTION XXXX XXXX, 2024 - {$46.00} WEB PAYMENT RECEIVED XX/XX/year> -
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 CONFIDENTIALITY UNDER 15 U.S. CODE 1681, 15 U.S. CODE 1681B, 15 U.S. CODE 1681C-2, 15 U.S. CODE 1681 S-2. 

XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX 15 U.S. Code 1681b A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) The person who obtains such report from the agency certifies to the agency that ( i ) The person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) The consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.

15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 U.S. Code 1681 C-2 Notification to consumer If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.

15 U.S. Code 1681 S-2 ( A ) Reporting information with actual knowledge of errors 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 XXXX XXXX XXXX XXXX XXXX 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 XXXX, XXXX, XXXX, XXXX, AND XXXX 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 XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

As I was reviewing my consumer report I came across an account that does not belong to, me I contacted the following companies, XXXX XXXX, XXXX, EXPERIAN, XXXX, along with XXXX. I disputed the account asking for verification of the account. I then received a letter from XXXX XXXX, XXXX, Experian as well as XXXX, that said the account was verified by the creditor. I then contacted the creditor witch in this case is the UNITED STATES BANKRUPTCY COURT ... .I then received an answer stating that the UNITED STATES BANKRUPTCY court does not report or transmit bankruptcy court records or any other information directly to credit reporting agencies. This is un acceptable the credit bureaus are committing FRAUD ...... Placing inaccurate, incomplete erroneous information on my consumer report violating the FAIR CREDIT REPORTINGACT and the FAIR DEBT COLLECTIONS ACT. This information is inaccurate the creditor stated that they did not verify this information making it illegal and a violation of state and federal law to place this account on my consumer report, Please delete this account immediately
Product: Vehicle loan or lease

Security National Auto Acceptance the loan was taken out in XX/XX/XXXX my vehicle was totaled XX/XX/XXXX the insurance company pay the vehicle off and Security National still has on my credit a charge-off amount of {$12000.00} I have asked them several times to remove this balance when the insurance company has paid the vehicle off I need this off my credit they are refusing to remove it the said vehicle is on my credit and it's keeping me from rebuilding my credit as I need to and I do not owe this this company any money
Product: Money transfer, virtual currency, or money service

I had a XXXX charge on my bank statement. I looked up on XXXX for a customer support number. I found this one ( XXXX ) XXXX. They answered right away the guy used the name XXXX XXXX and he said XXXX support. May I help you? I told him I have a monthly charge of XXXX I dont recognize. They asked for my XXXX ID. I told them I dont know it. They advised me to go to the XXXX XXXX and download XXXX app. They said, Your phone has been hacked into and your financial data like credit cards and your banking are at extreme risk. They said we will walk you through and now can see each one of your accounts. They got full access of my phone screen they were directing me to download XXXX, and send a money transfer to XXXX and XXXX. I was questioning and they said no we are not the hackers we are XXXX support you called us remember? Scammers call you!! So I trusted these dummy transfers because they said once they are done with the identity clarification they will transfer the money right back to my accounts. They used XXXX XXXX app to get a total of {$950.00} USD {$510.00} from my XXXX XXXX credit card, and {$470.00} from one of my XXXX XXXX XXXXXXXX XXXX XXXX. Lastly, {$340.00} out of my Chase checking account using XXXX. Payment was transferred to a XXXX XXXX. The credit card transfer amounts went through XXXX XXXX to a XXXX XXXX XXXX, XXXX # XXXX. These transactions were still pending when I went to my chase bank branch and when I called XXXX XXXX and when I called XXXX XXXX XXXX. The XXXX  transaction went through within 4 seconds. This should not be. The scammers tried to submit the {$510.00} twice but XXXX declined the one but let the other one go before the declined the second. Please help. This is the email they used XXXX. XXXX ID XXXX id XXXX. I filed a complaint with XXXX, XXXX, Chase, XXXXXXXX XXXX XXXX XXXXXXXX, and XXXX. 
I also filed a XXXX police report in my XXXX where I live. File number is XXXX. 

Thank you for your help in this very disappointing vulnerable sad time.
Product: Debt collection

this company is trying to collect a debt from me an they are not even licensed or bonded in the state of Georgia to even do so, also where is the original contract with my liquid signature on it? I need this account removed & deleted you all are committing fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX You are direct violation of The Fair Credit Reporting Act ( Ally Financial Account number XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A, clearly states that I have the right to privacy.

15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, everything has to be 100 % accurate on my credit report. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
I have filed disputes in writing and electronically via XXXX XXXX XXXX XXXX amd 3 credit reporting agencies ' Credit Dispute Centers. 
To remove an old account. The account has been closed for 10 YEARS. Equifax, XXXX, and XXXX refuse to remove a XXXX  XXXX XXXX XXXX account. According to their websites, correspondence, ( EQUIFAX.COM, XXXX XXXX consumerfinance.gov ) and XXXX XXXX XXXX XXXX 's letters, closed accounts stay on credit reports for 7 years. The account for XXXX XXXX XXXX XXXX has been closed for 10 years. 
I have also contacted XXXX  XXXX XXXX XXXX directly. At XXXX regarding a letter I received. According to their letter : closed accounts stay on credit reports for 7 years. XXXX XXXX XXXX XXXX refuses to contact the credit bureaus to remove an old account. This is in violation of FCRA and their own policy. According o XXXX XXXX XXXX XXXX representative, they do not have a Credit Bureau Team although the letter I received is from their Credit Bureau Team. 

I have disputed the old account with all 4 entities. XXXX XXXX XXXX XXXX tells me to dispute it with the credit bureaus. The credit bureaus tell be to dispute it with XXXX XXXX XXXX XXXX. No one Is removing the old account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion is reporting inaccurate XXXX amount numbers and liability amount on my credit file it does not match my records. all companies have responded that the investigation has been completed. however i believe that no REASONABLE and PROPER investigation has occurred due to these violations. 

Furthermore, the companies failed to mark the account as disputed violating 623 ( a ) ( b ) these companies continuously has failed to validate this account further violating FDCPA 809b
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

When married, this account ( Lane Bryant - Comenity Bank ) was in my name and limited to {$300.00}. Over several years, without my permission, they continued to raise the limit as long as my ex-wife made the minimum payment. As the limit was raised, she kept charging up to the limit each time. 

We were divorced several years ago and the divorce decree/court order clearly specifies that she is solely responsible for paying this account. However, every time she misses a payment, my credit takes a big hit. Complaints/disputes to all three credit bureaus are ignored. They check with Comenity bank, the bank says it is valid, and the credit ratings remain trashed. Requests to Comenity bank, including copies of the divorce decree proving that it is now her account, go unansered.