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

In the last few months I was in and out of the hospital and unfortunately had to rely on friends and family members to take care of my personal finances. I was made aware by Ally Financial ( Auto ) that since XXXX I had XXXX  return checks from my bank account. I also submitted a few payments through XXXX a ( third party vendor ) Ally uses through their portal with a debit card that did not return because it is automatically deducted. I was told my online services is disabled for 6 months. I can't access any documents or statements pertaining to my account. I was told that a stop payment was on my account and I had to now make cash payments through XXXX XXXX, XXXX XXXX ( third party vendors ) I can also pay them with a debit card. So if this is the case what is the difference in me paying through XXXX which charges XXXX versus XXXX who wants to charge {$29.00} for the same payment? I could not get a clear answer from neither representative I spoke with. I was told the payment would possible return from XXXX XXXX a third party vendor but it wouldn't return from XXXX or XXXX XXXX all third party vendors. This is a direct violation of my rights as a consumer under 1026.10 ( b ) ( 2 ) ). Although the XXXX returned payments was not my direct error it is still my auto loan and I take full responsibility for the mishap. I totally understand if I couldn't make a payment directly from bank account. But to try to force me to use these third party vendors that are more expensive and I am able to use the same debit card I would use for XXXX is a form of punishment for the XXXX  check returns. It's an unfair practice. Not to mention I am still a consumer and have a right to see my statements and access them. When I asked repeatedly why I can not use XXXX I never got a clear answer. They attempted to delete todays conversation but I printed it out and attached it. I also attached the fee for XXXX and XXXX. I made the payment through XXXX successfully for {$3.00}.
Product: Consumer Loan

A more extensive description is in the attached Word document. In short Chase Bank discriminated against me, a XXXX individual, by refusing to consider the cost and added value of the conversion needed to make a regular minivan XXXX since they claimed they could not verify the value of the vehicle because it was not listed XXXX, although there are numerous other sources on the internet to determine the fair value of these vehicles. They offered me significantly less than the amount I asked for at nearly twice the interest rate even though my credit score is over XXXX and I have many accounts with them. 

I spoke to many individuals at the bank who refused to budge on this policy that would only recognize the value of the vehicle as a regular, versus XXXX vehicle. I spoke to both the underwriter and personnel at their corporate office ( see attachments XXXX. It should be noted that after a very brief discussion with XXXX XXXX XXXX XXXX, I was given a loan for the full amount requested at a lower rate than Chase 's best rate.
Product: Debt collection

I received a notice about an alleged " debt '' I owed to XXXX XXXX in XXXX  XXXX. The statement did not include the provider, itemized services and charges, or the specific date or dates of service for this. I requested all of this in writing several weeks ago, via email to XXXX. No response from them whatsoever.
Product: Debt collection

I sent several dispute letters with no response. Also reported them and they told the agency that they have provided information. They haven't. Since Portfoliio Recovery purchased this account I need to see purchase agreement, breakdown of charges that meets what they are requesting. So I can verify its mine with the original company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

I needed to pay property taxes on time to avoid fees and tax increase. I had funds in Chase Bank and contacted Chase to assist me with this payment : on XX/XX/18 spoke for 16 minutes, on XX/XX/18 at XXXX XXXX I made a tax payment, then spoke with Chase to double check that payment would go through 5 times : at XXXX XXXX, at XXXX XXXX, at XXXX XXXX XXXX XXXX, at XXXX XXXX, at XXXX XXXX. 
On XX/XX/18 they called me at XXXX XXXX to inform me that I can not make property tax payment with them since they do not allow to make tax payments and will contact the XXXX County to cancel the payment, then I transferred money to another bank to pay my tax on time. However later I learned that payment still went through and there were no funds as I transferred the funds. 
As the result I was hit with over {$6000.00} NSF fines. Then I contacted Chase executive office asking them to either pay that fine or provide me a letter with detailed explanation of their error which I still did not receive. I spoke with XXXX at executive office at length, I only asked her to send me a letter with the response, she talked a lot I could not even understand what she was explaining. I never sent me her explanations on paper.. 
{$6000.00} is a lots of money, I made payment in good faith, I had money but Chase misinformed me as the result I am subject to a huge fine where I am at no fault. I have to work for 3 months all days long to make that payment and Chase has created hardship for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent by certified mail on XX/XX/XXXX and XX/XX/XXXX a dispute request to both XXXX and Transunion regarding some information that is being erroneously reported on my credit report. I have requested several times that I be supplied with specific Method of Verification information as it relates to public records in my file as it states reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I supplied both XXXX and Transunion with a letter from the XXXX XXXX XXXX for this district stating " The Clerk 's Office does not provide information to credit reporting agencies. On XX/XX/XXXX XXXX sent a new credit report with my dispute results stating the company that reported the information has certified to XXXX that the information is accurate. With their investigation, they did not supply me with specific information as I requested. Name of person spoken with, telephone number of said person, address, date of conversation. Transunion simply replied with Verified as Accurate. That does not conform to the FCRA guidelines. I also have a security freeze on XXXX XXXX, XXXX and XXXX. Their failure to furnish me the verification method and the fact that they continue to " verify '' this record in my file is a blatant violation of my consumer rights under the Fair Credit Reporting Act. As you will also see from the page from my XX/XX/XXXX three bureau report both Transunion and XXXX continue to show a bankruptcy yet XXXX has no record of a bankruptcy.
Product: Credit reporting 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 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I tried saying and contacting BBVA. Here it is. This account was a suggestion request by a XXXX XXXX XXXX profile on XXXX XXXX XXXX. He initiated contact with me. This profile is going to have his contacts who he claims to be Hackers and will try to use this account. I tried calling BBVA hurry close that account before it's too late but nothing. It was not my intention. It was a XXXX XXXX XXXX with his contacts who requested that I open the BBVA account. Please close that account. This XXXX XXXX XXXX has my social security number ID address, where I work everything.
Product: Money transfer, virtual currency, or money service

I believe it began in XXXX or XXXX, I received a XXXX  text from the scammer, posing as XXXX, it seemed as if it was directed to a different person, she asked if it was XXXX I said XXXX We started chatting about business. She said she was a crypto currency expert, she instructed me to trade on XXXX and led me through it completely. I did an initial payment of XXXX which on paper turned out to be XXXX dollars. It seemed very sophisticated to me. I then XXXX XXXX XXXX, it turned out to be a XXXX XXXX. After I tried to withdraw the funds they told I he had to pay a certain fee, I payed it, more funds were then transferred through multiple banks. Wells Fargo throughout all of this never once wared me against submitting sending the funds, even though they had the resources to view and see that the account i was sending funds to was clearly red flagged.
Product: Checking or savings account

The Claimant Terminated A USAA Federal Bank Checking Account {$350.00} by Final Disbursement by XXXX Mail and is Currently Investigating Fraud with XXXX XXXX XXXX  XXXX Fraud Department XXXX NC A Fraud Department Investigation is Currently Under FBI Investigation with An Unresolved {$12.00}. 50 Illegal STOP PAYMENT FEE that USAA Bank Fraud Agent is Investigating illegal Third Party Anti Trust ViolationXXXX XXXX XXXX XXXX XXXX New York NY The Claimant has Not Resolved this Character Assignation Malicious Financial Attack for THREE Years and Requires USAA Federal Savings Bank Investigate Fraud Waste and XXXX with Texas Attorney General XXXX XXXX Immediately! 
Investigate With Impunity XXXX XXXX XXXX XXXX DUE PROCESS of LAW
Product: Credit card or prepaid card

ON XXXX last year I realize my Macys credit card was higher than usual I was charged A CREDIT PRO FEE which was XXXX when I took a look at my statements I was been charge this same fee every month. 
I call Macys and they told me they don't deal with it and its a 3rd party company who serves as insurance of the card I tried to explain I never sign up for it but they wouldn't hear me so I call XXXX XXXX  at XXXX XXXX XXXX. 
when I called I spoke to a lady and she told yes " I been part of the program since I opened the card back in 2012 and I being paying a percentage of my balance, I tried to explain to her I never sign up for this and at the moment I opened my Macys credit card the sales person at the store helped me with the transaction, I close the membership at the time and I requested my money back because it was something I never signed up for and maybe the person who helped me open the card ( a macys employee ) did it for me ". 
A few weeks after macys contacted me saying they will not do it even tho I never used the insurance but if macys doesn't want to hear the complaint why are they answering on their behalf?
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Experian, On my Experian credit report dated XX/XX/XXXX it says I have a 60 day late payment on XX/XX/XXXX from : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have an attached letter from XXXX  XXXX dated XX/XX/XXXX that states you are to remove this late payment. 

Enclosed in this complaint is : - my drivers license - my social security card - my current address- my complaint letter - the letter from XXXX XXXX to remove the late payment- a screen shot of where it shows on my Experian credit report as of XX/XX/XXXX XXXX  XXXX in the letter has stated they have already requested you remove this - as I have- and am doing now again. 

Please have this removed asap as XXXX XXXX has directed you to - this is damaging my credit and interfering with my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. See attach
Product: Checking or savings account

On XX/XX/XXXX there were 3 fraudulent charges tha were made on my card, 2 XXXX XXXX transfers and one transaction at an online clothes retailer. I never lost possession of my card. I froze my card immediately and informed them of the fraudulent charges in the only way that you can file a dispute a charge is by clicking on the transaction through the app. I then received a text a couple of days later stating that the charges would not be refunded because they were not fraudulent in nature which is false.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of the charge-off account associated with PORTFOLIORECOVERYAwithaccount # XXXX on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ) and 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ), I am entitled to request and receive complete and accurate documentation to verify the accuracy and legality of this accounts reporting. Additionally, under Massachusetts law, I am requesting proper validation of this debt. 

To properly validate this account, I am requesting the following : 1. Authenticated Double-Entry Accounting Records : I am requesting full double-entry accounting records for the account mentioned. This should include a detailed breakdown that shows how all transactions were debited and credited, ensuring compliance with standard accounting principles. Please note that I do not wish to receive a simple list of charges or statements. I expect authenticated evidence of the debt.

2. Authenticated Evidence Based on Massachusetts Law : In addition to the accounting records, I require authenticated evidence, in compliance with [ Your State ] debt collection laws, that you have the legal right to report and collect this debt. This includes original signed contracts or agreements that show my obligation to pay the debt and your legal right to enforce collection and report it to credit bureaus.

Without this evidence, the continued reporting of this debt may constitute a violation of both federal and state consumer protection laws.

3. 1099-C Form : If this debt has been forgiven, canceled, or settled for less than the full balance, I am requesting a copy of the 1099-C form filed with the IRS, which is required if the amount of canceled debt exceeds {$600.00}. If you have not provided this documentation, the debt may be considered discharged, and it should no longer be reported as owed on my credit report.

In the absence of the requested documentation and verifiable evidence, I request that you immediately delete this account from my credit report in compliance with the FCRA and Massachusetts state law. Failure to do so will result in further action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), pursuing legal remedies to enforce my rights, and submitting a Suspicious Activity Report ( SAR ) to the IRS for suspicion of fraud.

The SAR ( FinCEN Form 111 ) will be filed if you continue reporting inaccurate and unverified information without providing the required documentation. Please respond within 30 days of receipt of this letter. I look forward to receiving the required documentation or confirmation that the account has been deleted. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXXXXXX Balance : {$390.00}
Product: Mortgage

Bank of America ran the clock out. I had a Scheduled XXXX Sale XXXX/XXXX/16 On Tuesday XXXX XXXX Bank of America told my realtor they were going to have a new appraisal ; done because of new contract submitted. Bank of America also told my realtor XXXX XXXX they would request a postponement of the XXXX Sale to allow the Short-sale to complete. On Friday XXXX XXXX, 2016 I contacted Bank of America and spoke to XXXX XXXX Customer Care Specialist who informed me no request for postponement of the Sale was submitted. He then requested it and BOA denied. I also received a call on Monday XXXX XXXX, 2016 XXXX pm, I received a Voicemail from XXXX Compliance Dept BOA. I returned his call and left a detailed message stressing the urgency in needing a response. I also called 9 times on XXXX XXXX, 2016 trying to get help. I got no response. Finally after the XXXX XXXX Sale happened I received a call from XXXX on Friday XXXX XXXX,. 2016. I did all I could to prevent the sale from happening. BOA drug their feet. They accused the realtor of not submitting docs when they were. Basically BOA gave my realtor and I the run around At this point I am seeking legal help. Someone has to hold BOA responsible for unfairly treating homeowners in stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items listed below continue to report on my credit report in violation of federal law. The sent letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I called the lender and requested that they remove the late payment due to XXXX from my credit report. My state had at the time shelter in place, at the time of the missed payments. I was quarantining yourself due to XXXX symptoms. This situation was incurred due to the coronavirus outbreak and I was able to make the past payments and had the account back on track. I want the late payment removed from my credit score.
Product: Mortgage

Crux of issue : XXXX calliber did not receive my proof of insurance. Somehow XXXX years later they assessed {$4000.00} to my escrow and evoked a payment though my insurance company. Escrow ballooned and so did payment..not to my knowledge. Additionally Caliber did an inaccurate tax forecast that ultimately needed to be corrected that contributed additionally to the inflated monthly payment. When I was able to connect with Caliber Customer service ( they had called several times but left NO messages ) It took XXXX calls and XXXX days for customer service to clearly state what the issue was. Reps who said they would call back never did. Their esrow department could not explain why there was huge spike in escrow, each representative had a different story. Ultimately Caliber held my on-time payments, did not post them to my account and did not return my checks to me ... and most importantly they did not apply my payments to my account. For the two months ( XX/XX/XXXX ) that this was being resolved they reported me late 30 days. I called and wrote them to review, I also disputed through XXXX. They denied my requests to remove the XXXX 30 day lates from my credit report. 


XXXX I contI was told by customer service that XXXX said that because it was reported late in the system she can not change it. Seems unreasonable Other - Payment was made on time ... caliber help my $ $ 's and did not return them
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS LOSS/STOLEN 2019 AND I REPORTED. I WAS LATER NOTIFIED THAT MY INFORMATIN WAS INVOLVED IN THE XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS/CREDIT INQUIRIES THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX, I met with a vendor, as soon as I unlocked my card, money. The previous day b4, XXXX was taken and not returned. Plus XXXX. I called numerous times. I've done previous business with the gentleman before, on XX/XX/XXXX we had a appointment. As soon as I unlocked my card, there was a notification. Stating XXXX payment, I kept trying to cancel payments. My phone started buffing, when it came back on, my money XXXX was, being transferred to a unknown name, I explained this all to chime. Who told me she was a supervisor, and that my money would be temporarily placed back to my account. I explained to supervisor, that I had problems the day b4, and was assured the card 's would be canceled. Not even 2 hours went by b4 receiving email stating. My claim was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX XXXX, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}