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

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Credit Bureau : Name : XXXX  Credit Bureau : Address : XXXX XXXX XXXX XXXX, PA XXXX Credit Bureau : XXXX Credit Bureau : XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX XXXX : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/2017, and I noticed an unauthorized inquiry had been made. 

I contacted XXXX  & XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX & XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act -XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX - XXXX XXXX XXXX Account Number : XXXX XXXX - XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX - US DEPT. OF EDUCATIONXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Has Violated my rights. 

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: Credit card or prepaid card

Chase XXXX XXXX card at a XXXX balance for a year. Paid off in XX/XX/XXXX. In XX/XX/XXXX they charged a my account a {$49.00} annual fee when I thought that would not happen on a paid off account. Did not send me a bill, did not attempt to make live contact even though had phone numbers, have never been late before. Customer Service said they sent me an email notifying me of the charge but I never opted out of paper statements. I dont use my email address much at all and chase sends multiple spam emails a week so I would probably never have known. I would have expected a bill, notice of past due account, or even a call or text. Nothing. Charged me a total of {$110.00} from that {$49.00} plus fees and interest. Found out while loading applications on to a new phone and signed into the app. Otherwise would have never known. I tried to pay the bill completely off immediately upon discovery but the only over the phone option is to give Chase your full bank account number and routing number giving them full access to your personal accounts. Asked them to close the card and notified I would send them an electronic payoff from my bill pay service today which I did. Most upset that they potentially will report this account past due and could continue to affect my credit for many years if they report closed in past due status never turning back to an XXXX. I feel this was an error and lack of effort on their behalf. Error by claiming I opted out of paper statements. And lack of effort to make live contact with in a reasonable time period. Seems predatory and they were able to charge me {$110.00} for a card not used, tack on fees and interest because I was not adequately notified, and then try and convince me to give them access to my back account rather than providing additional payment over the phone or online options. They have caused a dropped our credit score which means other creditors will now charge more. Credit score was XXXX prior to this. Always make sure our bills are paid on time and they have hurt our perfect record. Customer service supervisor did not help in any way or agree to discuss credit reporting corrections. I paid the money, though deceptive practices were in place that caused the charges, but Im not okay taking a credit score hit with no accountability on their behalf.
Product: Credit card or prepaid card

Essentially, my payment history with all my creditors was 100 % up until the start of the Covid-19 Pandemic. There was a global disaster that prevented me from making payments, but they have a random payment established for me in XXXX, 2020 that is not made by me. I believe the payment history can be proven to be 100 % prior to covid, and as such, a goodwill deletion of the account is only right. I've contacted the company to no avail. If covid-19 isn't good enough, id like to request the company provide document proving that the payment history theyre reporting is accurate, considering i do not believe i made 2 of the payments on there.
Product: Money transfer, virtual currency, or money service

PayPal Transaction ID : XXXX On XX/XX/2018, an associate attempted to send me {$500.00} through PayPal, from her personal PayPal account to my personal PayPal account. PayPal offers a method of sending money using a recipient 's telephone number, which is the method used by my associate.

The {$500.00} went to another PayPal account holder instead of me.

The issue here -- besides still not receiving that money, is that PayPal seems to think it's okay to have one phone number for multiple accounts. If the phone number is the only account-identifying recipient information needed, the security of that money transfer is questionable.

Which account holder will receive the money?

Since this incident, I have spent several hours on the phone with them, and actually won a reversal of the {$500.00}, only to have that reversal rejected by their fraud team. Attempts to speak with their fraud team have resulted in being placed on hold for hours at a time.

The sender has had less success trying to mitigate this than I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered the Smart Money Alliance XX/XX/XXXX. A week later I was assigned a mentor a week later charged XXXX  dollars on a free program. Then hit with a non compliance law suit for XXXX Called the company with zero response When the document stated call within 24 hrs ... .called and called. They replied via email stating they were going to proceed with a small claims court.
Product: Vehicle loan or lease

I was unaware the main owner of the car was late on his payments until I looked at my credit report. I was not told about any payment arrangement with the finance company, or given offer resolution until the car was five months late. I called the finance company they never called me, but they reported that lateness on my credit history. I was told that I would not be held accountable on the loan after the owner pays the car for 12 months late free. I also asked them not to reflect my credit because i am not the owner of the vehicle. And if I was going to be on the vehicle then they should have used my credit score to have a lower interest instead of his. I want them to correct my credit history because I am never late, and I would have made arrangements to pay the payment if i was made aware
Product: Mortgage

My mortgage has switched companies over the years from XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX to XXXX XXXX and now Fay Servicing. My mortgage has not been reported to credit bureaus in several years and explained to be because I deferred some payments in a modification with XXXX. There is a deferred balance on my current mortgage statement that exceeds the amount of payments I was behind and I'm told I can not make payments towards the deferred amount unless my principle is paid off which basically doesn't allow me to refinance. I pay an average of XXXX $ payments for decade that only XXXX $ s goes towards principle monthly. My interest rate is 4.25 %. I have sent multiple emails to ask for assistance on getting mortgage to have one balance and I keep getting a reply I will get a call within 48 hours. I attempted to contact on XX/XX/XXXX and XX/XX/XXXX. As of today 's date XX/XX/XXXX I have not received a call back. I do get occasional emails that I am part of a class action suit involving one of the parties that once handled mortgage ( XXXX ) but the notification does not come from Fay. I can't get Fay to speak with me on how to get my mortgage under feasible control. When I bought my home in XXXX they split loan into mortgage with XXXX home loan and an equity loan. Against my wishes my XXXX bankruptcy attorney included that equity loan in XXXX XXXX stating not responsible for payments but XXXX XXXX who has that debt does have lien on my home despite what my attorney stated and has since apologized for misleading me. In short, I have paid so much toward my home with nothing to show for it but owing more on it than original purchase price and whenever I've asked for explanation from previous mortgage handlers, I get notified my mortgage is switching hands and to take up with them. I can't get current mortgage holder ( Fay ) to respond at this time.
Product: Credit reporting or other personal consumer reports

After obtaining my consumer report off of annualcreditreport.com. I noticed some information that was inaccurate. I will attach a dispute letter that includes the information that needs to be corrected.
Product: Credit card or prepaid card

My credit card was used to make a purchase, before Chase Card lowered my credit limit from {$1500.00} to {$500.00} in XXXX. On XX/XX/XXXX I was refunded {$1400.00} for a product that was returned. At that time, my credit card had a {$0.00} balance. With the refund and my card balance, I should have {$1900.00} available to spend. On XX/XX/XXXX, I made a purchase for {$850.00} using my Chase Card and on XX/XX/XXXX, I received notification that the purchase had been declined, due to insufficient funds on the card. On XX/XX/XXXX, I contacted Chase Card and was informed that there was only {$470.00} available to spend, even though they had received my credit of {$1400.00} for the product which was returned. I had made several small purchases using the Chase Card, totaling {$21.00}. With my credit line of {$500.00} and the refunded amount of {$1400.00}, I should have had a total available balance of {$1900.00}. There was no balance on the card when the {$1400.00} refund was issued, however, Chase Card stated to me that the available balance on the card was only {$470.00}. When asked why I was not able to use the card balance as well as the credit balance on the card, the customer service representative stated there was only {$470.00} available. I inquired why I could not use my card balance as well as a portion of the credit on the card to make a purchase and was told again my balance was only {$470.00}. I asked if I was not able to utilize the card amount along with the credited amount, why I had not received a check for the refunded amount. The customer service representative indicated that at the end of the card cycle they would issue a check for the refunded amount. There should be no reason if there is a credit balance on the card, along with a beginning balance of {$0.00} when the refund was issued, I should not be allowed to utilize the card amount and any portion or all of the credit. If Chase Card would not allow me to utilize the credited amount on my card, they should have immediately sent me a refund check, not keep the {$1400.00} for the remaining cycle period. The customer service representative could not adequately answer my question as to why I was not allowed to use the credit and why a refund would not have been immediately issued if they do not allow the credit balance to be used. I believe had I not contacted Chase Card they would have let the refund sit there and not send a refund check. This entire process is unfair to the consumer. There should be no reason if a consumer 's credit card has a credit balance, plus a credit limit of {$500.00}, that I would not be allowed to make a purchase over the regular card limit. Subsequently, if that is Chase Card 's policy, then they should have issued a refund check immediately after receiving the credit to my account. I would like this issue investigated and an answer provided as to why Chase Card is allowed to hold someone's credit, but not allow them to use the credit or be issued a refund check immediately.
Product: Credit card

On XXXX, XXXX, I mistakenly sent a payment in the amount of {$580.00} to American Express ; I hit the wrong vendor on my online banking bill pay at my Bank. I immediately attempted to stop payment, but payment was via XXXX and could not be reversed, even though the system sends physical checks to all other vendors. I reached out to AmEx customer service and explained, and they said I would be issued a refund check in 10 days. I then received a letter from American Express errantly describing the transaction as a fraudulent charge and request for a charge reversal of {$580.00}. It was neither a fraudulent charge reversal nor {$580.00}. It was an errant payment in the amount of {$580.00}. American Express allocated my payment internally as a credit on an account. There is no account, as it was closed in XXXX and I can not get them to refund my payment they are wrongfully converted to their own use.
Product: Debt collection

The Debt Collection company reported inaccurate dates and admitted this in an initial complaint filed. The debt the collection company is attempting to collect was initially fees for a checking account with XXXX XXXX XXXX XXXX and as such is a credit union that no longer exists. The servicing credit union appears to have sent the bank fees to this agency for collection efforts, but no contract for repayment exists. In researching the debt and the company they do not have a federal bank charter and yet are attempting to recover banking fees. The company never provided a debt collection letter or provided proof that the debt collection agency has proper notices on the letter they claim to have sent. The dates initially reported by the company show a debt that was incurred ~2 years ago which is incorrect and violates accurate reporting laws. The credit union is not located within the state I reside and the address they claim to have sent a notice to is not a residence that I currently reside at.
Product: Debt collection

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). 

This debt is over the statute of limitations in the state of Texas, which is 4 years. This company is violating the laws in the state of Tecas by attempting to collect this debt. 

Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {XXXX} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {XXXX} XXXX XXXX XXXX XX/XX/XXXX {XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is a deceptive company. There are lots of incorrect phone numbers, address and consumer things on my account that don't belong to me. When I tried to call, I was hung up on 3 times and online gave me a error message that said my report was unavailable. It was a mess. I have a XXXX score, a XXXX bankruptcy with 1 new credit opened from my credit union and thats it. No wonder I cant get credit, they have so much junk on my file its a shame. Also they have offshore Customer service people who you can barley understand handling American consumer reports. That is too important of a task to put in the hands of people from another country. TransUnion needs to be fined and abolished,
Product: Checking or savings account

I deposited a check into my checking account on XX/XX/2021 a check received as a death benefit claim for my mother XXXX XXXX. 
Chase froze my account stating that they could not verify my check after multiple phone calls with chase representatives informing me that they were returning the check because they couldnt verify the information I called XXXX XXXX XXXX company the insurer of the check and they immediately informed me that chase had cashed the check on XX/XX/2021 I then called chase again and they stated that I needed to fill a claim and dispute the check in order to receive the funds. I called and they said I could not do that. I called chase deposit review team again they stated that I needed to have XXXX XXXX XXXX  recall the check. I called XXXX XXXX XXXX and they said they could not do that because chase cashed the check and have the funds. I called again to clarify whats the real problem because I have no problem calling XXXX XXXX XXXX but chase indicated that they cant get a hold of anyone to verify the check. 
I called chase again today and spoke with a manager named XXXX from XXXX Ohio and he stated the same thing they cant verify the check I told him that they verify my brothers check within two days and we have the same check same amount insured by the same company and he was like they keep getting a voicemail this is absolutely ridiculous and unfair practices! I have been on the phone hours and days to resolve this problem! 
I have all the documentation that proves this check belongs to me as submitted below.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX XXXX reported debt owed by me to creditors. I have asked them to send me copies, stop calling my work place, and remove it as there was no judgment awarded by a Judge. I have court papers to proof that the Judge ruled in my favor and dismissed the false allegations. I would like the calls to stop from Transworld at ( XXXX ) XXXX. I also, have initiated a dispute with my XXXX XXXX account. 

Thanks kindly! 
XXXX XXXX
Product: Checking or savings account

Attempts to get credit union to send opening documents for new account opened.Account was opened via the web and never received the opening documents.Request paper statements of my account since I opened account in 2017.Supposedly they were using e-statements but I never received statements via the web till I requested them this summer.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX  credit betrays Equifax, XXXX, and XXXX XXXX report XXXX ( XXXX XXXX ) unauthorized credit report hard inquiries that have cussed my report utilization scores to drop substantially. In addition reporting g frivolous past due and delinquent accounts that do not exist as a violation of FTC law and Federal Truth In Credit Reporting and Disclosure Act violation. If not remove today will go to court to file a complaint and request punitive damages due to their wrong act of reporting as they were not authorize. Their actions were deceptive marketing practices. They never said they were doing any hard inquiries. Misrepresentation of facts.
Product: Checking or savings account

I tried to cancel my Albert account and was tricked into signing up for an {$88.00} " XXXX  '' subscription. I reached out to the company as instructed through its help function and have received no assistance despite calling, texting and emailing them. I do not want to pay for a subscription, want the {$20.00} I had transferred into the account returned to me and want the account closed immediately. This company is completely deceptive and perpetrating fraud on consumers.
Product: Credit card

I rented a car in XXXX, through XXXX XXXX XXXX, XXXX XXXX XXXX, for XXXX days. The vehicle was in terrible condition that it stranded my family in the middle of a XXXX with XXXX persons in the car. I returned the car to the agency after XXXX days of use and they stamped my receipt as XXXX days of use. Wells Fargo bank listened to the merchant and betrayed me, by paying the merchant all XXXX days, although I only used the car XXXX days. They listened to the merchant unjustly and sided with them. My life and my family 's life was placed in danger with this irresponsible merchant and now Wells Fargo 's lack of training of its Customer Service reps, did not look at the facts and lazily did not take into consideration the pictures, letters and docs that I sent them.
Product: Vehicle loan or lease

I bought a car nearly three years ago through CNAC. I switched jobs in XXXX and called them to request that they push my payment date back by one week which they agreed to do. They still received both payments for the month of XXXX but have been calling me at work since then insisting that I owe them another payment. My payment was made. I pay every two weeks. I have tried to resolve the matter and have asked them to not call me at work which they continue to do daily.