23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The dispute for the account with XXXX XXXX XXXX  that starts with XXXX has been updated. 

Source : Experian Date Submitted : XX/XX/2023 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX The dispute for the account with XXXX XXXX XXXX that starts with XXXX has been updated. 

Source : Experian Date Submitted : XX/XX/2023 Report Number : XXXX Account Number : XXXX Company : XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX You have opened an Account Dispute on your Experian credit report. 
XX/XX/2023 The dispute for the account with XXXX XXXX that starts with XXXX has been received and should be completed by XX/XX/2023. 

Source : Experian Date Submitted : XX/XX/2023 Estimated Resolution Date : XX/XX/2023 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

One of my credit monitoring services reported a new inquiry on XXXX from : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX This was not requested by me or approved by me and did not appear on any other other bureaus ( XXXX, XXXX ). A few weeks prior I had another alert about an inquiry from : XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX Which was similarly not me. I was able to contact the latter and they called XXXX and removed the query and reported fraud. I have been unable to contact the former one, as the phone number provided appears to be mine, not theirs. 

I called XXXX and they said that I needed to mail them a letter requesting removal of this query, along with a copy of my ID and a FTC report. I am filling this out to get an FTC report and I sure hope it is the right form. 

I put credit freezes and fraud alerts across all three credit bureaus.
Product: Debt collection

Called my place of work and said they would serve me papers. That a civil complaint was against me and I owed money from a check and go debt that was never paid. The company was called XXXX and only had a an hour to sign documents and send over payment to handle matter or a lien would be put on my house. Company does not exist when looked up. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Listed below are a few of the different laws the credit furnishing companies have broken, I wont list them all here, just the 1 's that were blatantly broken. 

15 U .S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U. S. Code 1681 b- Permissible purposes of consumer reports ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Vehicle loan or lease

This is in regards to my last two lease accounts with Ally. I was a finance manager at a car dealership so I am very in tune with the leasing process including clear communication and confirmations. Everyone of course likes and appreciates that on both ends. 

At the end of the first lease I called Ally to confirm the intended turn-in date and location. It was " noted '' by the representative, and also that I would be leasing my next vehicle with Ally again. I turned it in with no issues, and leased my next one right after. I was sent a bill for {$430.00} a short time later, and I of course called about it. I was told there was no record of me calling in prior to turn-in, and that I turned it on on the wrong date. I tried another couple times, hoping a different person would know different, with the same result. 
Acct # XXXX. 

I was now already into the second lease with them, so I made sure to communicate even MORE clearly once the lease end was nearing. I called a few months early even. I confirmed the lease end date, expected turn-in date, and location. I had just received a company car so I suggested to the Ally rep that I could even turn it in early. He laughed and said " You already paid for a full month on XX/XX/23, you XXXX as well ride the month out in case you XXXX need it! ". I of course agreed, and advised I would turn it in on XX/XX/23, just to be sure in case of an unexpected delay. 

I was then billed AGAIN, this time for {$1100.00}. Again I called, extremely frustrated, but prepared to get help to fix an obvious error. I was told that I had " agreed '' to turn it in on the XXXX, and that since I hadn't, I was penalized. I explained ad nauseum that I had done EXACTLY what I needed to do, to prevent this. They again had no record of any calls or notes regarding anything. And that I just need to pay. 
Acct # XXXX. 

I have exhausted all options of communication attempts with Ally that have fallen on deaf ears with the left hand not communicating to the right hand, frustratingly having only foreign call centers reading scripts, that have empathy but no decision making power. Also along with contradictions of actions that updated to the bureaus that does not sync with what I was advised during my phone conversations ( which should have been recorded ). 

The part that makes this even more of an anomaly is I paid ALL payments on time, never been late. Ever. 

I have a small, fast growing family and we are working so hard to finally get our first home. This is having a detrimental effect on my entire family and I desperately need help with this.
Product: Debt collection

I have 3 collections that were opened Fraudulently. 

XXXX. PROCOLLECT , INC for {$680.00} Original creditor is XXXX XXXX, account was opened XX/XX/XXXX Contact Info : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX : XXXX XXXX. PROCOLLECT , INC for {$440.00} Original Creditor is XXXX XXXX, account was opened XX/XX/XXXX Contact Info : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX : XXXX XXXX. XXXX XXXX for {$500.00}, account was opened on XX/XX/XXXX Account number : XXXX Contact Info : ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Product: Debt collection

On XX/XX/21 at XXXX calls received from UNIFIN XXXX XXXX after repeated requests to stop calling. 
Would not state reason for call or who was calling.
Product: Checking or savings account

A {$740.00} refund was sent to my Regions bank business account on XX/XX/2022 from XXXX business. The owner of XXXX, XXXX, has documented the cash out of her account and should be refunded to me. Our communication is attached showing she agreed to refund, money is out of her account and the routing number confirming the refund was sent to Regions bank. 
Regions bank claims that they have DENIED the {$740.00}, It is not in my account and they have not credited it back. Regions has been denied to credit it back. 
XXXX has not got the {$740.00} back either. 
Where is the money?
Product: Checking or savings account

I have been a customer at BMO Harris Bank, XXXX XXXX XXXX XXXX XXXX, Wisconsin since XXXX. I have never encountered any problems until last year XX/XX/XXXX, when a frauder erased a check I made and mailed to XXXX XXXX XXXX for {$100.00}. The frauder erased, revised and made the check out to a XXXX XXXX for {$6700.00}. They had no problems cashing an erased check. The bank seem to have big problems replacing my money. My money was insured. I have talk to someone in customer service, someone in the fraud department and the bank managers at BMO Harris. The bank manager, XXXX XXXX, extremely hard to contact, has not been very helpful. I completed and submitted the paperwork requested of me, notorized with a picture of the carbon of the original check. The only check attached to my online banking statement was the erased check. When I did eventually talk to XXXX, she would always tell me she would call me back ; however, she called back one time out of the many times she agreed to call back. XXXX did tell me that I would receive my money in 180 days. It has been a year and I still have not received my money. I have never received any correspondence from the bank, no phone call, letter, text, nor email. 
I called BMO Harris corporate and was given an email address to inquire about the status and resolution of my claim, no response from my email. I talk to XXXX the first time I call cooperate, who was very helpful. She did tell me it usually takes 45 days to resolve these type of claims. No one was able to give me any information on my case. Its been a year and I still dont know the status. I called corporate a second time, talk to XXXX who had a hard time locating my case. She told me my case was going to take longer b/c of the amount of money that was taken from me, but she couldnt tell me how long. I told her the bank manager was still of no assistance. She gave me the name XXXX XXXX, the other bank XXXX at the same branch. He has not been helpful either. He does the same thing, tells me he will call me back and never does. I feel like someone who work for the bank erased and rewrote my check XXXX XXXX XXXX XXXX was not paid with the check. They paid XXXXXXXX XXXX XXXX from my debit card without my permission. I have been more than patient and tolerant. This situation is now affecting my XXXX. I just want my money. I pray you can be of some assistance before I have to go further. 

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

Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to exercise my right to pursue litigation in accordance with the FCRA to enforce my rights and seek any and all relief I am entitled to and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligence and noncompliance.

Despite two prior written requests, the unverified items listed below STILL remain on my credit report in violation of Federal Law. You are required, according to the FCRA, to have a copy of the original creditors documentation on file to verify that this information is correct and does belong to me. In the results of your first investigation and the following reinvestigation, you stated in writing, that you VERIFIED that these items are being REPORTED CORRECTLY
Product: Credit card or prepaid card

My credit card, which I only use for Credit purchases, wiped out my entire checking account by stealing the mony in my checking account fraudulently. I never gave anyone permission to take funds from my checking account - ever. It has cost me over {$1000.00} in bank overdrawn fees, {$400.00} in late fees from my other vendors that the money belonged too. My credit is ruined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report in search of trying to improve my credit. After reviewing my report I notice a few inaccurate information and accounts I have never heard of that is being reported. According to the FCR15 USC 1681 ia, I read I have the right to a fair credit report and if they can not provide proof these accounts must be deleted. I also read I have a right to privacy as well as the following hospital bills that was sent to collections violated my HIPPA rights. The follow accounts has violated my rights by not reporting information accurate and/or I do not have knowledge of the creditor on my report. 
ACCOUNT NAME ACCOUNT # XXXX XXXXXXXX -XXXX XXXXXXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXXXXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I recently got a notificaiton from XXXX that they have verified that this collection belongs to me. 

This collection does not belong to me and I don't know where it came from. 

Account # : XXXX Under the New Rule REGULATION F which took effect XX/XX/year>, CAINE & WEINER COMPANY INC have unlawfully reported an alleged debt to my consumer report. 

They also did not have my written permission to report on my file pursuant 15 USC 1681 B2, Permissible Purpose.

Please help me get this collection deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 issues here. The first in the incorrect reporting to the credit bureau and the 2nd is the unlawful charging of simple interest on the loan. 

I Paid on account on XX/XX/2020. I have a receipt showing that the payment was made XX/XX/2020 and the company states that the payment was made on XX/XX/2020. My payments are due on the XXXX of each month and should not roll 30 days late until after the XXXX of the month. I have tried reaching out to the company regarding this issue and has spoken to management ( XXXX ) who stated that there were some errors in reporting on my loan. 

If the company is posting payments the days after the payment is made, they are collecting interest that is not due to them. 

I would like a full review of my account and corrections made to my credit report and all unlawful interest credited back to the loan.
Product: Credit card

I Filed dispute claim # XXXX in the amount {$720.00} directly with Chime 's customer service on XX/XX/year> & was provided a resolution date of XX/XX/year>. Chime denied dispute on XX/XX/year> with explanation of " No Error Occurred '' and did not provide any documentation from Merchant " Universal '' which is a Phanton Debt Collector who committed merchant fraud. Chime did not file my dispute properly OR adequately investigate my dispute. 
I filed a rebuttal with Chime ( Claim # XXXX on XX/XX/year> which extended my dispute resolution date to XX/XX/year>. My resolution date should not have been extended as Chime did not adequality investigate my dispute properly. 
I have made many attempts to communicate with Chime which include phone conversations with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I've also sent chime written letter & documentation outlining my dispute. When I call customer service I am told conflicting information every time. I've attempted to reach corporate through XXXX XXXX several times without any resolution. 
When I call customer service for documentation on my dispute, I am given the run around & told I must wait 10 days to receive an email. When the email arrives it states " Unfortunately, your message is unable to be delivered '' Chime is violating regulation E & will not provide provisional credit.
Product: Checking or savings account

I have never requested to have my Chase College Checking account switched to a Premier Plus Checking account, nor was I notified of the $ XXXX monthly service fee that penalized users when their checking account holds less than a {$15000.00} balance. Yet JPMorgan Chase Bank & Co took it upon themselves to do just that and then charged me a $ XXXX monthly service fee from XX/XX/XXXX XX/XX/XXXX. When I finally caught on to what was happening I demanded to be refunded but was told their system only permits a refund for 5 months of service fees, despite this dating all the way back to XXXX of XXXX. Customers should not have to monitor their bank statements in fear of their accounts changing in ways that allow the bank to charge their accounts. I also should not have been blamed for not having caught onto Chase Banks shady behavior until recently. 

This is unacceptable, and I will see about my college, The XXXX   XXXX University issuing out a mass warning to all 45,000+ students to which Chase is currently advertising their services to. College students should be warned that when they create a new Chase College Checking account, they are in danger of their account being switched so that Chase bank can accrue monthly service fees, as is the case with Premier Plus Checking account. But most importantly warned that JPMorgan Chase Bank & Co  happily does so without the consumer 's consent.
Product: Money transfer, virtual currency, or money service

Transaction Amount : {$250.00} Date of Occurrence : XX/XX/2021 Description of Incident : I was looking to buy tickets to the Minnesota XXXX XXXX XXXX off of XXXX  using the below link. The link is still active now. I called the man, who went by XXXX. We talked for a while as I used to live in the XXXX area and he was telling me he was there at the time of our conversation. He could speak very well to the details of the area so I knew he had to be there or be from there. He also had a XXXX telephone number. Given the XXXX were playing the XXXX XXXX in Minnesota I didn't think anything of it. He said he would transfer the tickets to me as soon as he received the money. I used Well 's Fargo 's XXXX service to send him the money as we were on the phone together. He then said he needed to receive a code from ticket master, the ticket broker, to send me the tickets. He said they were calling him to give him the code, then hung up and never called back. I called him back numerous times to no avail. I also text him numerous times and he still didn't respond. I have the call and text logs as well. I contacted Wells Fargo and took the complaint process as far as it would go. They told me that since I voluntarily sent him the money that there is nothing they could do. My point is, there is a man using their services to commit crimes by defrauding their customers. And I can provide hard evidence. They have all of his account information and transaction history to take appropriate action to investigate the man and put a stop to him using his Wells Fargo account to defraud people and yet they refuse. This man will continue to defraud people using their services if nothing is done. 

This is the link to the XXXX ad and XXXX 's contact information. 

https : XXXX I have also provided some screen shots showing that i paid for the tickets via XXXX and never received them. Text conversations and phone records can be provided on request.
Product: Checking or savings account

I deposited a check for {$1500.00} to my Huntington checking account on XX/XX/2024. Shortly after, they closed my account, and now I have no access to my account or funds. The check cleared and is legitimate. I have no access to my money, and now my funds are being held hostage, even the funds that existed in the account before the deposit. The month is about to end and I have bills to pay. I tried to have them move my funds to a different bank, but they have refused.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft. Fraudulent accounts and unauthorized information remain on my credit reports despite multiple disputes filed with the credit bureaus. These accounts were opened and reported under my name and Social Security number without my knowledge or consent. I have submitted an FTC Identity Theft Report and supporting documentation to confirm this fraud. 

The accounts that remain unresolved are 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 XXXX XXXX XXXX XXXX XXXX XXXX - Account ending in XXXX XXXX XXXX Account ending in XXXX Despite my numerous disputes and repeated submissions under the Fair Credit Reporting Act ( FCRA ) Section XXXX, the credit bureaus have failed to block and remove these accounts within the required timeline. Additionally, incorrect addresses, name variations, and other personal data associated with these accounts continue to appear on my reports, further compounding the damage caused. 

This continued reporting of fraudulent information violates my consumer rights and has caused severe harm to my financial standing, mental health, and overall trust in the credit reporting system.
Product: Debt collection

I cancelled services with XXXX in XXXX. And paid my remaining balance. I made arrangements for them to retrieve equipment but their representatives never came to pick it up. 

They have been reporting a balance owed since that time but has never provided an explanation. As a consumer unhappy with their services I had the right to cancel. My agreement date has passsed.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681, Section 602 which states I have a right to privacy. 

15 USC 1681, Section 604A Section 2, also states a consumer reporting agency can not furnish any account without my written instructions. 

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

On XXXX/XXXX/XXXX, payment was received by XXXX XXXX XXXX in the amount of {$69.00}. Of which {$34.00} was disbursed to XXXX XXXX same day. 

Also, AMERICAN Express had just received its disbursal for {$250.00} on XXXX/XXXX/XXXX, which is around the usual date for that payment. But fours days later, on XXXX/XXXX/XXXX there was a new civil action by American Express on my credit alert for the Last {$34.00} owed to them. On XXXX/XXXX/XXXX I made my final payment ever to XXXX XXXX Counseling which they disbursed to American Express on the same day. However I received XXXX more credit alerts. Another XXXX XXXX by American Express on XXXX/XXXX/XXXX and a charge off account notice on XXXX/XXXX/XXXX by American Express. These are all showing as derogatory remarks on my credit report and I would like them deleted please. Thanks.
Product: Mortgage

My mother owned a house and had a mortgage with Chase. She passed away in XXXX. 

Even though she passed away, I still have to file income tax for her estate for XXXX. Her estate still owned the house in XXXX. 

Chase did not provide me with a XXXX for XXXX. Apparently Chase 's policy is to stop providing XXXX 's for customers that are deceased ( despite the fact that the mortgage is getting paid and is still outstanding ). They have no problem sending notice to the IRS though. 

The XXXX should continue to be sent. Instead I had to call and escalate to a manager. I think this is an attempt by Chase to force the consumer to ( i ) refinance the mortgage to a higher rate or ( ii ) assume the loan. There is a third option for consumers, which is to simply keep it as is and take care of the mortgage. 

Chase 's policy is a way to get the best of the consumer who doesn't know their rights. Its very shady.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$11000.00} : XXXX XXXX XXXX XXXX Balance Owed : {$31000.00}.