23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/XXXX, I submitted a payment to Chase Bank of {$1100.00}. The payment covered the past due amounts from my XXXX and XXXX loan payments, as well as additional feea which I had accrued. I noticed on XX/XX/XXXX that the transaction had not been posted on to my auto loan account, even though Chase Bank had listed the payment as complete online. I sent my first inquiry about the payment on XX/XX/XXXX and my second inquiry on XX/XX/XXXX asking Chase Bank to post the transaction to my account. I received a generic response on XX/XX/XXXX, but the XX/XX/XXXX response confirmed in writing that my payment was received by Chase Bank. Customer service then sent my inquiry to the Auto Finance department who sent me a generic response. I had scheduled a payment of {$500.00} to pay off the remainder of My past due amount on XX/XX/XXXX. My car was repossessed on XX/XX/XXXX. When I called regarding the repossession, I was informed that I had not submitted a payment since XXXX, which was not true. I called again on XX/XX/XXXX when the XX/XX/XXXX payment was pulled from my account to receive the fax number that I could send my proof of the payments. I faxed that documented proof to Chase on XX/XX/XXXX, asking them to call me to confirm receipt of the fax. I included in the fax the written confirmation that Chase Bank sent me on XX/XX/XXXX that the first payment had been completed. I called on XX/XX/XXXX to confirm that the fax had been recieved and they informed me that the research department had started looking into the past transactions. When I asked what the process was going forward Chase then had me open a dispute into my repossession. On XX/XX/XXXX, Chase Bank refunded my payment of {$1100.00} thirty days after I submitted it. I called the collections department and was told that an account supervisor would call me since it was an open dispute. I have yet to receive that phone call. I also opened another inquiry into this issue to Chase Bank, who referred my case to a Senior Service Specialist on XX/XX/XXXX and said they would be in contact within 72 hours. I responded to that inquiry on XX/XX/XXXX asking for someone to contact me and I received a response that they would be in contact within 72 hours. The deadline of my repossession was XX/XX/XXXX and I have not received an update on the status of my dispute or if the deadline was extended while they review my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICE FRAUD ACCOUNT Balance XXXX % -paid off Balance- {$0.00} Balance updated-XXXX XXXX XXXX Original balance- {$120.00} Account XXXX XXXX XXXX Account number-XXXX Open/closed-Closed Date opened-XXXX XXXX XXXX Account type-Installment Status-not more than four payments past due Status updatedXXXX XXXX Past due amount -- - Original balance- XXXX XXXX Monthly payment -- Contact info Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX Phone XXXX ) XXXX INCOMPLETE ACCOUNT # IS GROUND FOR REMOVAL AND DELETION OF THIS ACCOUNT 15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX - XXXX - Debtor- Portfolio Recovery Associates took me to court I believe in XX/XX/XXXX. The Judge reset the next hearing for them to provide the necessary documents to substantiate their claim. On the next hearing XX/XX/XXXX they did not provide any documentation that the judge requested. The Judge then filed an order to dismiss their case against me. I have filed multiple disputes with the credit bureaus ( XXXX XXXX XXXX, & XXXX ) providing them with the court order from the Judge dismissing my case. The have elected not to remove the claim by Portfolio Recovery Associates I also contacted Portfolio Recovery Associates to stop reporting debt due to the dismissal from the Judge. They have refused to remove the claim and has changed the date to keep this going on and on which has negatively impacted me for the last XXXX XXXX years. They refused to stop their harrassment to me and affecting my credit. 

I do not know what else to do to get protection from this Company that has lost in court and received a judgment. The Credit Bureaus won't assist me with this issue. I need your help Please let me know what's my next step?
Product: Credit reporting

I disputed on XXXX 2016 the accuracy of a XXXX XXXX XXXX XXXX XXXX account that appears in my credit file with Experian. I requested that Experian provided to me the XXXX of XXXX used on their investigation pursuant to XXXX XXXX XXXX a ) ( XXXX ) of the FCRA. Experian has not responded to my request. See letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX XXXX XXXX XXXX numerous times from XX/XX/XXXX - XX/XX/XXXX over an amount of {$170.00}. I was setup on auto-pay for the duration of the lease, and I was not notified my last payment would not be auto-paid. I did not receive any notice of owing a final payment until I started receiving collection calls at work. This was resolved in XXXX of XXXX after I made the final payment. I was assured by XXXX XXXX XXXX XXXX this would not appear on my credit report after the dispute was settled. I am confused why my report shows I was delinquent on this account from XX/XX/XXXX - XX/XX/XXXX, because the timeline doesn't match up. They also agreed to contact the appropriate credit bureaus to remove this delinquency from my report after admitting there was some clear miscommunication on their end. XXXX XXXX XXXX sent a letter XX/XX/XXXX agreeing to correct my report to show paid with {$0.00} balance and no derogatory credit marks ( attached ). As of XX/XX/XXXX, my credit score dropped 70 points after filing this complaint. I also reached out to XXXX  on XX/XX/XXXX to have the delinquent mark on my account removed as promised by XXXX, and this appears to still be an issue. My credit report shows no data ( ND ) from XXXX of XXXX through XX/XX/XXXX, when the account was paid in full XX/XX/XXXX. This account is closed as of XX/XX/XXXX, and marked as delinquent causing undue stress and bringing rise to other financial issues within my household.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX XXXX checked my credit report and found many discrepancy with the account listed under Portfolio Recovery associates and proof and validation was requested of the alleged debt i don't recognize. On XX/XX/2021 they send a letter claiming to validate the debt, which they never sent proof!! This account has negatively impacted my credit report with all 3 credit bureaus, This account is listed as past due and in collections. how us this possible. I asked for the representative who verified this debt and or to send me documents on how they varied alleged debt. They never sent documentation.
Product: Payday loan, title loan, or personal loan

I got this loan a while back and i just couldnt afford the payments with my job cutting my hours and a few months later me losing my job Ive been struggling financially
Product: Mortgage

I called my finance company to ask about my due date and to ask about refinancing. They are literally holding me hostage and denying me access to information by asking me WAY too many questions, claiming they want to verify. I am outraged at this finance company because I can not get information on my loan unless I let them XXXX me with personal questions that have nothing to do with determining my identity.
Product: Credit reporting or other personal consumer reports

As reported in the attached FTC complaint the below accounts don't belong to me. 

Reporting inaccurate information across credit reporting companies XXXX XXXX XXXX Account # XXXX ( Closed ) Account Number XXXX XXXX  Account # XXXX ( Closed ) Account Number XXXX XXXX  Account # XXXX ( Reporting Via XXXX )
Product: Credit reporting or other personal consumer reports

I believe someone has tried opening these accounts in my name and I was advised to file a complaint to get these removed.
Product: Debt collection

XXXX credit card company says I still owe them XXXX XXXX. I paid XXXX XXXX XXXX XXXX I paid another XXXX. The step was paid last year in 2024. This company keeps reporting it on the credit bureaus that it has not been paid. I have been in contact with the company for over a week now and its not getting resolved. They also have provided documentation that this debt has been settled, but they wont fix the problem and keep making me wait. This is affecting my livelihood because theyre not reporting this, and Im unable to buy a house due to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a  XXXX   XXXX  percent  XXXX   XXXX  an having trouble with Equifax. I submitted the  XXXX  to them to have a collection removed. When I called they told me to fax it to them as I did and was told it would be removed in   XXXX   XXXX   hours. I wait  XXXX  days and it was still there. I called back and then they are refusing to remove it and saying they will just keep it in my file.
Product: Checking or savings account

The bank I've had for so many years close my account due to a fake check which I was unaware of from a employer who said it to me through email when I tried to bubble deposit it but also try to deposit it from a other account which may have caused it to bounce I've tried talking to the bank before to see if I could reopen it but they said no. I still have the conversation with me at the person who sent me the check about my account being closed.
Product: Checking or savings account

My account was placed under review and it has been almost 2 weeks since then. Ive been told that it would be resolved within 24 hours, within 1 week, and Ive been told that Im unable to access my money or close my account. Nobody has given me a reason or any information. I want my money returned to me and my account closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Erroneous Direct Violation Of The FCRA Professional Debt For two years now Ive been disputing these items I'm getting so angry please please remove these XXXX from my credit report these are fraudulent i file a police report and FTC REPORT XXXX WILL BE SUED and lawyer will be contacting XXXX if these items are not removed in the next two weeks!!!!! 



XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report.
Product: Debt collection

I first reported illegal use of my identity a little over seven years ago and a consumer fraud alert was placed on my account, the accounts in reference dissappear and show up again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/X/17 I sent a certified letter to Equifax disputing the reporting of a bankruptcy on my credit report. FairCredit Reporting Act 623 ( a ) ( 3 )  provides that the credit bureau must verify all information reported with the ORIGINAL creditor. US Federal Bankruptcy court does not report to any credit bureau nor will they verify that information is accurate. The credit bureaus Use of a 3rd party, and claiming verification is not only false it violates Fair Credit Reporting Act 623 ( a ) ( 3 ).

Equifax received my letter on X/X/17. 
On XX/X/17 I reviewed my Equifax credit report and the Bankruptcy Remains. 
On XXXX I received a letter from U.S. Bankruptcy Court, Eastern District of XXXX stating that the court does not report any  information to any credit agency. 
On XX/XX/17 I sent a certified letter to Equifax again showing proof in the form of the letter from the bankruptcy court, and therefore they must remove this bankruptcy from my credit report. 
Equifax received my letter on XX/X/17 On XX/X/17 I again reviewed my credit report verifying that Equifax has not removed the bankruptcy from my credit report in violation of the Fair Credit Reporting Act.
Product: Mortgage

I started the call on XX/XX/XXXX that they have not payed my property taxes out of my escrow for XXXX. They show they sent out the taxes on XX/XX/XXXX and as of today XXXX XXXX has not received them. I have asked numerous times to give me a cancelled check, check number or something to prove to me that these did go out and I can not get this information from them. Called XXXX XXXX and they said these are posted the day they receive them. 

Spoke to XXXX XXXX as they said this was the XXXX party vendor they send the information out to so they can send the checks and they do not have any information on this. 

They called me on XX/XX/XXXX and stated that they spoke to a XXXX at XXXX XXXX and she received the payment and will post in XXXX or 4 days so I asked them if we could get them on the phone with us and XXXX XXXX said they do not have a XXXX that works there and they still have not received my tax payment, so again I get answers from the mortgage company just to get me off the phone with them. 

They always tell me what I want to hear just to get me off the phone. I can not understand why this cant be fixed. 

They also said they would take care of the penalties.
Product: Credit reporting or other personal consumer reports

It is with deep concern that I bring to your attention a violation of my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Policy, 15 USC 1681a ( 2 ) ( 1 ). This violation is in accordance with the Fair Credit Reporting Act, as evidenced by the list of accounts below. Consumer ( individual ), person ( company ) transaction ( payment history ), and experiences ( utilization ) should NOT appear on a consumer 's credit report. 
As a consumer, I request that the below accounts be changed to OK or PAID AS AGREED. I also request that the history of the account with late payment statements be removed from my report, NOT the account itself. 

The account names are as follows : ALL ACCOUNTS WITH LATE PAYMENTS!! 
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, etc. 

I looked at my Experian credit report on XXXX XXXX XXXX, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681i 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) Generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. The consumer reporting agency shall ( B ) Promptly change the status of the item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( C ) Promptly notify the furnisher that information has been modified or deleted from the consumer 's file.

According to 15 USC 1681s-2, they are supposed not to furnish any information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Credit card or prepaid card

i went to zales store to purchase a ring, the store didnt have the specific ring in the store, but i was told the could get it but i will take couple of months, i didnt have to pay the entire cost of the ring untill i pick it up, so i paid half, then the store cleck convinced me to open a store card with a 18months interest free promotional. which i did only because she told me the promotion and the final charges will not begin until i pick the ring up from the store. i pick the ring up 3 months later. to my supprise 15months from the date of pick up i was charged full interest for not completely paying of the balance. now they want me to pay over XXXX dollars in interest extra when the original balance on the card was XXXX dollars. this store clerks are missleading customers. and now i have late payments on my credit accounts and this affecting my credit history. the specific zales store no longer exist other stores are not able to give me information pertaining to my purchases. i have tried to contack the bank to file dispute, but they are declining my dispute. i contacted the XXXX legal service for military, tthey recomended i file a complaint with the consumer finance before they can move futher if need to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America closed account number XXXX is reporting to XXXX, XXXX   and XXXX credit bureaus.I would like the account removed because it contains 3 yr old lates that come from the time when I experienced ACTS OF GOD that prevented me from properly handling my loan obligation.I have an understanding and knowledge of the fact that the bureaus and creditors have not held their customers accountable in time of '' natural disaster '' from'ACTS OF GOD '' that affected the consumers ability to meet their loan commitments.I HAVE EXPERIENCED AN ACT OF GOD AND OCCURRENCE SO SEVERE AS TO MAKE ANY NATURAL DISASTER LIKE A FORREST FIRE SEEM MINOR. 
My recently deceased, divorced father had terminal XXXX. 
There was no one but me to care for him, pay his rent, make all medical decisions, and feed, clothe and bathe him until the end. 
At the time of my lates it was a time period of surgeries, some elective and experimental to save his life.I was younger and overwhelmed with the constant hospital environment and the life or death gambles I was making on my father 's behalf. 
I was late on my loan commitment but caught up quickly. 
Please be a real human being and remove my account as the lates are devastating to my young credit and the fact that I truly did have solid mitigating circumstance, ACTS OF GOD to cause those lates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask the credit reports to remove the nigtive items, they 'll response is no, after I paid them in full, I and the credit collection agreement is if I paid them in full they will removed them in XXXX  days. 
Out my credit files. 
XXXX XXXX credit card confirmation number XXXX was paid XX/XX/XXXX Amount {$450.00} I spoke to ms XXXX XXXX ext XXXX I filed in errors numerous times with all XXXX credit reports asking them why is steal showing this account in my credit reports there 's response is colctoin.
Product: Checking or savings account

Given my cash receipts of $ XXXX and the bank is at risk on any negative balance is XXXX to {$50.00} maybe? That return on my account for the bank is extortion, usury and virtually a thuggish shakedown. 
I need to have the {$240.00} returned in full and the bank needs to stop nickel and diming me on bounces that take the balance to a negative balance of less than {$5.00}. I will download all my account statements from day one to add up all your fees. If they are larger than a small claim, I will forward to an attorney. 
I do not want overdraft protection on my Debit Card, if the money is not there DECLINE the purchase, full stop the NSF charges. Confirm that our debit cards DO NOT HAVE Overdraft Protection and that purchases will be declined if there are no funds. 
Your bank can't get my ATM limit correct it is set at $ XXXX/USD for a 24-hour period. When I am in XXXX Wells Fargo limits my ATM withdraws to {$350.00} XXXX? Just to get additional transaction fees. 
When {$350.00} AUD is only {$240.00} USD. I should be able to withdraw {$500.00} AUD= {$350.00} USD! Please correct. 
I am lodging a complaint with the CFPB in this regard as well as the local state agency and I will post my issues about Wells Fargo on your XXXX page as well as XXXX. 
Lastly Wells Fargo closed without notification to me and for no reason my brokerage account, which I had gone through the laborious task of opening and setting up for options trading etc. When I found out Wells Fargo closed the account it was at a time when I had a lump sum to invest thus denying me the opportunity to make the investment in the greatest bull market in history thus causing me opportunity cost damage, I want the account reopened asap. 
The word will get out that You have new and old-line competition out there and social media makes it a very small world. Ive had this account for years, show some respect to a good customer on a retirement income.
Product: Credit card

TO Synchrony Bank Reference : Roll back for paid off credit on Sam 's Club Master XXXX Recovering from XXXX  XXXX, I want to get back to the workforce by posting my resume on XXXX. 
As usually, I was approached by email with a job offer by XXXX XXXX XXXX, a presumed hiring Manager of the XXXX XXXX XXXX XXXX. He put me through a job interview and hired me as a Customer Service Representative in a meeting on XXXX XXXX platform. 

After I have accepted and signed the Offer of Employment, the next day of our meeting, he offered to pay off all my credit cards balance as stated on the Offer of Employment, as the way to let me use my cards to purchase for my work equipment. 

He gave me routing and bank account number and the bank name to use to pay off all my credit cards. I did and reported to him with all the payment confirmations numbers. After that he directed me to use my cards to purchase XXXX and XXXX to send to their software manager for software installation. As the available balances can not be enough for the equipment, he wanted me instead to purchase XXXX gift cards to allow him to make arrangement with the company software manager and vendor. I did purchase those gift cards with my XXXX XXXX XXXX card and XXXX XXXX, and also {$2000.00} borrowed from my wife. All the conversations and details are on the pdf attached to the letter. 
In summary, all the clear details are on the pdf from the bank account to some scammers names. 
Now my concern is how you facilitate the system for him to roll back the money without any warning to me. Without any investigation. 
I am the one who call to paid off the card with a bank account information. Before any cancellation you need to contact me first to know what about. If it was any criminal act, you got the right to pursuit me. This is not fair to help somebody to steal from me with your help. 

Kindly, I recommend Synchrony Bank to open a criminal investigation on this bank account, given to me to paid of my credit cards, and afterwards let me refuel the cards to deepen my debit. You need to let the FBI be involved to get to the bottom of this. You can not easily put this financial burden on me. 

Secondly, I recommend you stop any collection action again me, and late fees, until we get the whole fact ; and restore my credit card back to paid off, as it was, before you roll back the credit. 

Looking forward to hearing from you, P.S.-Offer of Employment, XXXX of all the conversations of the presumed hiring manager of XXXX XXXX XXXX XXXX XXXX.