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

15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1.00} 000 per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
Delete this account immediately, unless you want to be held {$1.00} 000 per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX Auto Loan Past due : {$24000.00} Late 120 Days XXXX XXXX Other Loan Past due : {$490.00} XXXX Chargeoff XXXX XXXX Other Loan Past due : {$3100.00} XXXX Chargeoff XXXX XXXX  Other Loan Past due : {$760.00} XXXX Chargeoff XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} ChargeOff
Product: Credit card

I 'm writing because I have an issue with Chase credit card. I recently transferred a balance from one of my high interest credit card to Chase for a low introductory 0 % rate. My goal is to set-up monthly payments so that I can pay-off the balance before the introductory period ends. However, Chase only gives the option to pay the minimum balance or payoff the balance. They do not give the option of inputting a set amount that I would like to pay on a monthly basis. The problem is the minimum balance is always " XXXX '' and I 'm clearly not in a position to totally pay off the balance ; which Chase is aware off because I would not have transferred the balance. 
I believe this is fraud, and clear intentions to not have the credit pay-off before the introductory rate being offer expires. 
Just to note, I have the option of a set amount for all of my other credit cards. This seems to be only a practice of Chase. 
Please advise.. 
Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this XXXX XXXX XXXX  XXXX XXXX for months.XXXX  and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Debt collection

This afternoon, I received a phone call from XXXX. They left the following message : " This is XXXX XXXX [ possibly XXXX  or XXXX ] calling from the XXXX XXXX. I need to verify a current address as well as a place of business address to proceed against you. At this time, you are forfeiting your right to take care of this matter outside of court. We will contact your Human Resources Department to follow proper protocol and procedure to serve you on the property. Again, the client is willing to rectify this matter if they hear from you today. Their number is XXXX and reference your case number. This is my final attempt. You've been officially notified. '' When I returned the call and asked for the name of their business, I was told it was " XXXX XXXX XXXX ''. The woman I spoke with told me her name was " XXXX '' but refused to give me her last name. She also initially refused to give me information unless I verified my Social Security number. I declined. Then she told me they were attempting to collect a debt on behalf of XXXX XXXX. When I told her that debt was paid successfully years ago, she grew irate and began pushing me to tell her how much I paid, and that I hadn't " paid in full '' according to her records.

While on the phone, I pulled up my credit report and told her I had XXXX   delinquent accounts, and the XXXX XXXX  account currently showed " Paid Successfully '', she accused me of being " one of those professional debtor XXXX   '' and hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX   XXXX , credit unlimited requested on my behalf that Bank of America remove a closed mortgage account that was dated last activity in  XXXX  on all  XXXX  credit bureaus. The last payment that I made on this account preceded  XXXX  which makes the account past the 7 year mark. I could never get proper documentation and the account can never be found by Bank of America when I was trying to short sale the property that the lien was attached to. Bank of America could never find the account.      XXXX  removed the account.  XXXX  updated the account as closed in  XXXX .  XXXX  added a second account with a different account number in  XXXX   XXXX  saying it is currently active and reporting late and a foreclosure has been initiated.     1. The title to the property was transferred  XXXX   XXXX  that the original lien was attached to.     2. I do not own any property for Bank of America to foreclose on.
3  . This loan was sold 3 times since opening in  XXXX  ; me and my realtor requested a copy of the promissory note. The original promissory note and the account could never be found.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against Comenity CapitalXXXX XXXX due to incorrect reporting on my credit report. I opened an account in store with this creditor in XX/XX/XXXX. I made my first payment on XX/XX/XXXX with my checking acct but due to previous fraud issues with my bank, XXXX returned the payment. During the dispute process with the credit bureau agencies, I provided a copy of the bank statement showing where the payment was made and I also called the creditor and explained what happened but my concerns were disregarded and I was told that there was nothing that they could do. However, the late fee of {$29.00} was waived on XX/XX/XXXX, XXXX.I disputed the account as incorrect reporting information a total of 2 times, first time the result came back as {$3.00} past due as of XX/XX/XXXX ; second time the results came back as being updated as another 30 days past due ( XX/XX/XXXX ) which is incorrect. How am I past due for XX/XX/XXXX when my bill is not due until XX/XX/XXXX? Upon finding out these results, I contacted the creditor on XX/XX/XXXX only for my concerns to be disregarded a second time and was told they are not showing that the acct is past due for XXXX and that my account would be notated. I am in the process of purchasing my first home and this is hindering me from being able to do so. I am asking that the creditor would update and furnish the credit reporting agencies with the correct reporting information.
Product: Checking or savings account

Upon opening my Chase business account in XXXX, I was set to receive a business debit card and a XXXX XXXX  credit card, I asked for the cards to be sent to my XXXX XXXX, XXXX XXXXXXXX XXXX address where I spend the majority of my time, the XXXX credit card arrived at my XXXX XXXX address as requested, the Chase banker made an error and had the debit card was sent to my XXXX apartment where I also have a residence. 

Though it never arrived in XXXX. I asked again for it to be sent, but it still never arrived, though this time on XX/XX/XXXX it was taken to a Chase in the XXXX where {$1.00} was deposited to activate the card. From there the card was taken to a XXXX in the XXXX and made a purchase for {$190000.00}. 

Then on XX/XX/XXXX it was used to make a deposit of {$40.00} in a Chase Branch where they incorrectly wrote my business name on the slip, yet were still granted access to the account. From there they withdrew {$43.00} and accrued multiple penalty fees from using a non-chase ATM. 

My personal Chase statements on my personal debit card contradict me being anywhere near the XXXX at these dates of incidence. I was over 3 hours away during those time frames, I have bank statements, photos with geo tagging, and pay stubs to prove my location during these occurrences. Chase is insisting that these charges were authorized.
Product: Checking or savings account

Victim of ientity theft.Bank account was opened with my name and information without prior Knowlege
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled a copy of my credit report and seen some account that are not mines and I need them removed and I have several accounts that are inaccurate information I have provided a Federal Trade Commission report in the documents for identity theft. These companies i have never done business with. They need to be removed please. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My husband passed away on XX/XX/2020. His Social Security check of {$1300.00} was deposited on XX/XX/2020. On or about XX/XX/2020 - XX/XX/2020, Chase bank withdrew these funds, deposited them back, withdrew them again, and then deposited them back again, and then put a hold on the money. I called the bank to see if there was fraud on the account as this activity was unusual. I was told that there was a hold on the money because Social Security may take the money back. They informed me they can and will hold the funds for up to 180 days!!

Over the course of the last 6 weeks, I have spent over 5 hours on the phone on hold  and talking to Social Security and Chase Bank. Social Security consistently tells me the money paid for Social Security is always paid arrears. They explained they will not be taking back his XXXX check because it is for XXXX, and he was very much alive in XXXX. Chase is asking for a letter on Social Security letterhead with personal information specific to my husband. Social Security has told me on 5 different occasions that they do not send banking institutions personal information by mail or email, and that Chase Bank should know the fundamental laws of how Social Security is paid. They told me it is stated in " The XXXX XXXX '' with every bank has a copy of. Furthermore, Chase Bank is the only bank doing this in an effort to hold people 's money to collect interest. I even provided Chase with a PDF copy of a booklet published from Social Security that that stated how Social Security is paid out, and when a payment needs to be returned. ( I have attached this booklet and the exact pages here ) Yesterday, XX/XX/XXXX after the complaint being escalated to the " Executive Complaint '' department, I was told I needed Social Security to fill out form SSA 1724 and it needed to be emailed to their department. I was told if Social Security did that, Chase back office would take to hold off the check. After another hour on hold with Social Security, again I was told Social Security does not email anyone, and furthermore that form SSA 1724 is essentially a blank form for them. They were not going to send this to Chase for any reason. 
Today, XX/XX/XXXX, XXXX at Chase Executive office called me and again told me that their decision was to not release the check. I asked why this decision, she had no answer. I asked for the check to be sent back to Social Security. If they were so afraid of Social Security taking the check back why not just send it back to them, rather than sitting in limbo. XXXX told me to have a nice day and hung upon me. 
So here I am, no help from Social Security except to say the money is mine and Chase Bank is playing games, and they can't help me. Plus I gotten absolutely no help from Chase and a bunch of lies. At this point I am not even sure they will ever release the {$1300.00} that is owed to me. 
I am asking for your help in getting Chase Bank to immediately release the hold on the {$1300.00} social security check due my husband that was paid XX/XX/2020 for the money that was owed for XX/XX/2020. 

Thank you
Product: Credit reporting or other personal consumer reports

Re : Account # XXXXXXXX XXXX XXXX Account Number XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state.

Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Checking or savings account

I have a checking and several savings accounts with Capital One Bank. In XX/XX/XXXX, I provided Certificate of Trust ( a form from Capital One ) to retitle all my accounts in the name of my living trust. 

I received a letter dated XX/XX/XXXX, stating they need information about my trust. This information was already provided on the Certificate of Trust when the account was set up. The letter threatens that Capital One will put my funds on hold on XX/XX/XXXX and close my account by XX/XX/XXXX. 

I called the number and nobody at Capital One can explain why they are asking for information I've already provided. I asked to speak to a supervisor and was disconnected rather than being put in contact with one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit on XX/XX/XXXX, I see an account reported to XXXX This account is not mines. I reached out to the original creditor XXXX fraud department on XX/XX/XXXX and they told me that they have no knowledge of this account being reported to my credit to equifax or any other collection agency. They have no records of it The information was not furnished by them. 

Collection Agency CONVERGENT OUTSOURCING , INC . 
XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1300.00} Amount {$1300.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account XXXX XXXX XXXXACCOUNT Account Number # # # # # # XXXX XXXX XXXX XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact CONVERGENT OUTSOURCING , INC . 
XXXX XXXX XXXX XXXX XXXX WA XXXX I reported identity theft to the FTC on XX/XX/XXXX the reference # XXXX
Product: Checking or savings account

On XXXX XXXX I tried to access my Flexible Spending account with Optum Bank and had my account frozen due to improperly inputting my password. I called their technical support line and went through their procedures with their tech to unfreeze my account. Due to some IT issue, they were unable to restore my account and I was told a 'Tier 2 ' technician would be either emailing or calling me. I waited two days, didn't hear from them and called them again yesterday, XXXX XXXX. Their tech insisted I go through the same process again, even though I told them that it wouldn't work. She was unyielding even after seeing that a ticket had been submitted to Tier 2 so I wasted another 1/2 hour until the new tech came to the inevitable conclusion that I needed Tier 2 help. I asked to be transferred to their Tier 2 department and was told that she couldn't transfer me but would attempt to get them on the line. I was placed on hold for 15 - 20 minutes until she came back on the line and told me that no one at Tier 2 was available. I then asked, and had to ask multiple times to speak to a supervisor. She finally relented and placed me on hold to get a supervisor on the phone. After another 15 - 20 minutes she comes back on the line and tells me no supervisors are available but one would contact me by phone shortly. It's now a day later, no emails from Tier 2, no phone calls from a supervisor. Frustrated, I called their corporate phone number to request assistance and was bounced around from department to department with no one able or willing to help me. I'm undergoing a procedure on XXXX XXXX to XXXX  a potential malignant XXXX and I need my FSA account unfrozen to pay for the procedure.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Product: Debt collection

Mars INC. Representiave contacted my Aunt XXXX XXXX on XXXX XXXX 2015 and by voice mail informed her that XXXX would be meeting me to discuss my debt with them. On XXXX XXXX 2015 My Aunt was contacted by the same person again, again another voice mail was left asking if she had gotten in contact with me and for her to call me to call her. I contacted MARS INC at my earliest convience which was three hours later due to the fact that i currently am an active duty soldier XXXX. When i Finally got through to the company i was verbally assualted and told i was breaking the law by not paying my bill. i told XXXX that i have done some research on the consumer protection act and it states that you XXXX can not call the same family members more than XXXX and XXXX you can not leave voicemails telling family members to get in touch with debt collectors and she had such broken XXXX rules. She told me this was not true and she could " call anyone she wanted '' to try and get a hold of me.
Product: Checking or savings account

Purchased an item through XXXX on XX/XX/year> and paid via debit card through PayPal. I had to cancel the order immediately due to incorrect shipping and then re-order. My bank ( since the item was purchased via debit card via third party ) didnt reflect the charge as the item hadnt been processed yet ( it was cancelled ) but the second order had gone through, item was shipped and was received promptly. 

Fast forward to XXXX XXXX I was charged by PayPal again for the item I had already paid for ( debited transaction proof in statements ) and received the item. I understand that due to the cancellation, their payment systems go wonky so I figured this would be an easy fix. 

I open a support ticket for PayPal, XXXX, and my bank providing all necessary proof with statements and a detailed description describing what had happened. My bank investigated and obliged my request. XXXX looked through the transactions and explained it was nearly a hold and the funds will be returned ( which they were ). 

PayPal responded by locking my account, claiming I reversed a charge. They closed my support ticket and found their records to be correct. They left me XXXX option for rebuttal or even a means to contact a customer service rep so I can explain the situation. I have a strong feeling that my case wasnt even heard/reviewed and I was penalized in spite of being a long-time customer. With that, I was charged a dispute fee which they do not mention until you read their fine print. It was not even shown in my recent activity/balance as a deducted charge, money was just missing. 

Becoming increasingly fed up, I decided that I was going to close my PayPal account. Doing so has been a near impossibility. Their instructions detail that you can do this easily through their app, but when you click close account it takes you to their support page FAQ and when you type in close account on the search bar, they provide instructions that take you right back to step one. Their close account button isnt even a real action on their app, its just there for show.
Product: Credit card

I was scammed on the internet by a skin care company, intending to order " free samples '' with a shipping fee. They sent XXXX products and charged my credit card nealy {$200.00}. When I realized that, I immediately returned the products unopened and unused with tracking numbers, etc as directed with all the appropriate numbers that the company required.. I disputed the charge with ATT Visa and they issued temporary credit to my account. Then they removed about half of the credit, believing the response from the disreputable company in spite of my furnishing them with documents proving that I had returned everything that I had received. I ended up paying ove {$100.00} for nothing due to the scamming by the disreputable beauty care company and ATT Visa 's poor handling of my dispute, I had been with ATT Visa for 23 years and had never filed any disputes. I have subsequently closed my account.
Product: Credit reporting or other personal consumer reports

Equifax has to responded to my dispute letter that I sent certified mail
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had EIGHT late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  : [ # XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Debt collection

Hi i am trying to get some help in reaching out to Midland Funding. I discover they had placed an account on my credit and i really do n't know what the account is for. I have tried to contact them for the past several months by mail, so i could have a record of the communication- its no use no one has got back to me.
Product: Credit reporting or other personal consumer reports

I am writing to seek assistance from you regarding the removal of fraudulent items from my credit report. Despite making this attempts to resolve these issues directly with the credit bureaus and creditors, I have been unsuccessful in removing the following fraudulent items : I have disputed these items multiple times with the credit bureaus ( XXXX, Equifax, and XXXX ) and have contacted the respective creditors directly. Despite providing supporting documentation and evidence that these entries are fraudulent, my disputes have not resulted in the correction or removal of these items from my credit report. The continued presence of these fraudulent items on my credit report is causing significant financial harm and affecting my ability to secure credit and improve my financial situation. I believe my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, and I am seeking for your assistance in resolving this matter. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XXXX XXXX, I was returning home from XXXX in XXXX ohio when I recieved a phone call claiming to be chase fraud department. The person on the phone claimed someone tried to wire transfer {$5000.00} from my account and to stop it they were walking me through how to dispute those funds when in reality they were setting up a wire transfer. The person was very convincing having my information including card info, my pin and ssn. They were able to trick me in to wiring {$5000.00}. Please help