23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I just days ago got from XXXX a credit report dated XXXX see attached ) XXXX XXXX, 2015 and if you look at the loan for ChaseXXXX # XXXX account under XXXX report page XXXX, you will see that what Chase has wrongfully given them AGAIN bad information showing that I have not made a payment since XXXX and compare it with those idiots ( Chase XXXX OWN statement full of bad information it does n't match THEIR OWN STATEMENTS. Why is this being allowed to happen. Is there no one listening to me????? I am being not only financially XXXX!!!! but also slandered/deformation of character etc ... by this financial psychopath that calls itself JP Morgan Chase!!! All three of my credit reports are wrong not only do they not match this idiots own records but Chases records are wrong!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be investigated and updates as soon as possible. I have not nor have ever received and/ or authorized the release of any goofs or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my report be provided along with all pertinent information relating this matter.

The fraudulent accounts are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

This is a follow up on complaint # XXXX Ally Bank has returned my funds in the amount of XXXX However they held my money denied having it sending my back and forth to XXXX until my Personal Banker finally was able to gain a tracker number. After a very lengthy phone call and my receipt on my complaint from your office Ally Swiftly returned my Monies. 

Now they Held my Money from XX/XX/XXXX to XX/XX/XXXX. I opened this account specifically to collect interest. Now they returned my money but I am owed interest from the day I made the deposit until the day my money was returned.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

On XX/XX/2023, I applied for the Aspire credit card and was denied for the following reasons : Credit score provided : XXXX Review screenshot score provided directly from XXXX : XXXX Delinquent or derogatory status on accounts is too recent. 

Answer : There is not any recent or derogatory status on accounts besides the collection accounts, yet they are excessively old dated back to XXXX Not enough balance paid down over time on revolving accounts Answer : Revolving credit does not have any balances " please review screenshot Unpaid collections Answer : Unpaid collections are several years old and do not have significant impact any longer over XXXX years old. 
There are only XXXX collections withe XXXX of them being medical that should have been paid for by insurance. 


No open revolving accounts in your credit file Answer : There are open revolving on the account, review attached screenshot Number of inquiries adversely affected the score - impact was not significant. 
Answer : The score you provided was not accurate but you are a lender geared towards surprise lending and thr credit score has qualified for previous applicants except mine because I am XXXX.
Product: Checking or savings account

On XX/XX/2019 we initially send out 3 payments using PNC Banks Virtual Wallet online Billpay. There was a mix up where we submitted the payments from the incorrect account and so all 3 payments ( for {$3100.00}, {$200.00} and {$150.00} respectively ) were returned. I called their phone channel and spoke an agent who understood and help me out with the initial return fees. He however failed to disclose that the payment would be automatically resubmitted by PNC Bank after I asked if the returns were final. On XX/XX/XXXX I checked my accounts and they were debited a combined {$6600.00}. I resubmitted my mortgage payment separately because I was told that once the payments were returned, that would be the end of it. I called PNC Banks phone channel and was told that there was nothing that could be done until the charges posted even though the payments were resubmitted without my authorization. I contacted PNC Bank once again today and the agent I spoke to told me that there was nothing they could do about the fees and that I was at fault for not manually canceling the payments even though I was never told that I had to do at. Even after I explicitly asked about the returns being finalized. When I contacted PNC Bank the third time I was kept on hold until I had to go into work. I also tried to cancel the payments so that it would not be retried a third time and found that there way not option to do so. 

This is not my first issue with PNC Banks online billpay either, twice previously I submitted a payment for {$50.00} and instead a payment was submitted for {$500.00} exactly.
Product: Debt collection

I have a debt collection from Aargon Agency on my credit score. I have absolutely no idea who they are or what this is about.
Product: Debt collection

Informed Collection Company that since I am XXXX and on only Social Security XXXX that I am no longer collectable. 
Collection account is continuing to be " Sold '' to other companies after being informed of my collection status. XXXX XXXX, XXXX account information, same amount!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom IT MAY CONCERN, I recived a copy of my credit report with the intention of trying to improve my credit and take care of my reasonabilities and noticed some accounts that i wanted a little more explanation on. Im not saying they are reporting right or wrong .I am just saying that i am not 100 precent if they are.I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything i am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C sec 1681i { a }? I heard that if you can't provide prof these accounts must be deleted. Well I want just that for these listed accounts deleted. I want these accounts deleted if they are not 100 precent right and correct. So could you please check on these and get back with me asap. I saw on a credit site and board where this lawyer said you have XXXX days to complete this investagation. Please investagate the folling accounts and remove them if anything is missing or not correct on them. 

Account name 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 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 XXXXXXXX Please investagate every peice of infromation is correct. if not, please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Last year in XXXX I checked my credit report and noticed XXXX inquiries on my credit report On XX/XX/XXXX I checked my credit report and noticed XXXX inquiries on my credit report placed on XXXX by XXXX different companies that I never permissible purpose to do so. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and Capital One XXXX XXXX XXXX XXXX, XXXX  XXXX On that same day. I sent them all letters notifying them that I never initiated any transactions with theyre companies and they fraudulently accessed my credit report and placed negative items on my report. I asked them to remove these inquiries from my report because I never gave them permission to access my report according I made sure to let them know that they are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i ) and too this day they still have not removed it and as a result it is still causing me great stress, and still making an impact on my credit report causing a lower score on my credit report making it harder for me to obtain credit. I never got a response back and dont know what else to do \
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE FOLLOWING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO MY REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. 
Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. I am aware that some businesses might request that you also file a report with your local police. 
Form XXXX was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately. 
MY ONLY NAME IS XXXX XXXX MY ONLY ADDRESS IS XXXX XXXX XXXX XXXXXXXX XXXX XXXX REMOVE ALL OTHER ADDRESSES... THEY ARE NON MAILABLE XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Post office box XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 
Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Both of these companies have violated my rights USC 1681 section 602 A, Section 604 A ( 2 ) states a consumer reporting agency can not furnish an account without my written instructions USC 1681s2 ( 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
Product: Credit card or prepaid card

XX/XX/2023 XXXX : I called XXXX and spoke with a representative that misinformed me saying that there was no promotion for 3 free nights + {$250.00} gift card when I applied. She said that I applied for the card XX/XX/XXXX, and that the promotion I desired didn't start until XX/XX/XXXX ( confirming its real, just didn't do it in time ). She said I was instead provided {$250.00} + 50,000 points. This is not what I signed up for and there was no mention about this on their website at the time. If I knew I wouldn't be getting the 3 free night promotion, I would not have applied for this card. 

I asked to be transferred to a supervisor, when I was transferred I didn't get any response from the other side. I sat there waiting for 50 minutes. During that time I could hear shuffling in the background. Clearly the person was just away from their desk not doing their job. Around 50 minutes when I could hear them come back to their computer, they disconnected the line. 

Call 2 : Called right back and immediately asked for a supervisor, this time i spoke with someone who listened and said she would put in a request for review. She said I would get a letter in the mail and not a phone call. They did not ask for any documentation from me to help my case. 

After this call, I decided to keep looking for proof of this promotion. I was able to use an internet archive tool that shows that the 3 free nights promotion was active during the time I applied. There was no promotion about {$250.00} + 50,000 points when I applied on their website.

Call 3 : I called and spoke with another supervisor trying to see if there is an email I can submit my proof to showing why I should be honored the 3 free night rate. Supervisor told me that " the promotion was probably active at the time, but I didn't qualify, so instead I was automatically given this other promotion ''. If that is the case that is bait and switch, I never would have proceeded with the credit card application if I knew I would be getting 50,000 points instead of 3 free nights ( worth up to 150,000 ). 

After numerous holds by that supervisor, she disconnected the line on me. I am now filing this complaint after 2 disconnected calls. I have no faith that anyone at Chase is taking me seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with XXXX  XXXX  XXXX  ( company ) by fax XX/XX/2021. I have disputed this with all 3 credit credit bureaus and Experian is the only company that is not taking this mortgage off my credit report. That house no longer belongs to me. It belongs solely to my ex-husband per the divorce and states so in the decree. That account shows under my married name. Im not married to him and why is it showing up under my maiden name. I have disputed this issue 5 times with Experian and every time they dont do anything to help me. I even went as far as to transfer the title to my ex. My divorce decree is signed by a judge and is legally binding. Is this isnt taken off I will go look for legal counsel.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXXXXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX 's customer service representative XXXX
Product: Checking or savings account

CHIME BANK SENT ME AN EMAIL ON XXXX XXXX STATING THAT THEY WERE CLOSING MY ACCOUNT ON XXXX NO EXPLANATION- THEY STATED I SHOULD GET ALL OF MY MONEY OUT OF THE BANK BY XXXX OR I WOULDNT GET MY MONEY UNTIL 30 DAYS AFTER WHEN THIS WAS SENT I WAS ON VACATION- SO SINCE I HAD MONEY IN BOTH ONLINE ACCOUNTS CHECKING AND SAVINGS- I COULD WITHDRAW MONEY FROM CHECKING- BUT SAVINGS I COULD ONLY WITHDRAW XXXX A DAY- OF COURSE I HAD MORE THAN XXXX IN MY SAVINGS- SO MY NEXT DAYS ON VACATION WERE INTERRUPTED BY GOING TO AN ATM EVERYDAY TO WITHDRAW FUNDS TO DEPOSIT INTO ANOTHER BANK. 
I ALSO HAD A DIRECT DEPOSIT SET UP WITH THIS BANK WHICH WAS TO COME IN ON XXXX THIS IS A MONTHLY CHECK- THAT I DEPEND ON SINCE I AM XXXX I TRIED TO CHANGE MY DIRECT DEPOSIT SET UP QUICKLY BUT WITH LITTLE OR NO WARNING FROM CHIME BANK- I KNEW IT WAS GOING TO BE A PROBLEM I FOUND THAT THE DEPOSIT DID TRY AND GO INTO THIS CLOSED ACCOUNT ON XXXX AND CHIME SENT ME AN EMAIL STATING THEY RETURNED IT TO MY COMPANY ON XXXX NOW THE COMPANY I CALLED THEM AND THEY SAY MY DEPOSIT IS FLOATING AROUND SOMEWHERE- BUT THAT THE DIRECT DEPOSIT TO ANOTHER BANK WOULD BE AVAILALBE NEXT MONTH XXXX 
NOW I DONT HAVE MY DIRECT DEPOSIT STILL AS OF TODAY- AND MANY BILLS THAT I PAY ARE NOT BEING PAID AND I HAVE GOTTEN NOTICES FROM ALL OF MY CREDITORS LOOKING FOR PAYMENT. 
I CANT PAY BECAUSE I DONT HAVE ANY MONEY- THANKS TO CHIME BANK. I HAD BEEN BANKING WITH THEM FOR OVER 3 YEARS- THERE IS NO WAY TO REACH A LIVE PERSON ONCE THEY CLOSE YOUR ACCOUNT- THEY EMAIL YOU AND TELL YOU TO TAKE A PICTURE OF YOURSELF HOLDING YOUR DRIVERS LICENSE AND THEN TAKE A PICTURE OF A UTILITY BILL WITH YOUR NAME AND ADDRESS AND ONE OTHER FORM OF IDENTIFICATION- I DID ALL OF THIS AND THEY STILL HAVE NOT CONTACTED ME. 
I WANT THEM HELD RESPONSIBLE FOR THEIR UNPROFESSIONAL ACTIONS AND MY DAMAGES ARE WORTH OVER XXXX I AM BEING HARMED GREATLY- NO BANK THAT I HAVE EVER BANKED AT WOULD JUST CLOSE A PERSONS ACCOUNT FOR NO REASON AND THEN NOT GIVING THEM AMPLE WARNING- 4 DAYS THAT WAS IT- IM LUCKY I READ MY EMAILS- BECAUSE THAT IS THE ONLY WAY I FOUND THIS OUT.
Product: Mortgage

1 - On XX/XX/2020, my wife and I applied for a cash-out refinance with SoFi. The same day, an initial loan disclosure was provided. 

2- On or about XX/XX/XXXX, my wife and I elected to change from a cash-out refinance to a regular refinance. An updated loan disclosure was provided on this date. Closing was scheduled for XX/XX/2020. 

3- SoFi was unable to meet the XX/XX/XXXX closing as the loan was still in underwriting, and on XX/XX/XXXX, the final closing disclosure was sent to us for review. On this disclosure only 5 items were listed in section B of closing costs. The closing date was scheduled for XX/XX/XXXX. 

4- On XX/XX/2020 ( one day prior to scheduled closing ), SoFi sent a new final closing disclosure, but added 2 additional fees ( now added as fee line item 6 and 7 ) that were not on the last loan disclosure from XX/XX/XXXX. Upon review, these closing fees were not as a result due to a change in circumstance, and the company representative responded that the fees were added into the closing disclosure because they inadvertently omitted them from the last disclosure document. As a result, closing costs increased overall by approximately 15 %, and was provided only the day prior to closing, shortly before close of business. I have requested the SoFi rectify this prior to closing, but as of this writing, no action has been made.
Product: Prepaid card

Denied access to my account beginning in XXXX of 2023. I have sent several documents repeatedly, drivers license, ssi card, tax forms, vehicle registration, vehicle insurance, ect. All have been deemed insuficient to verified my identification. I have been ignored, hung up on, denied access to a supervisor, and left on hold for hours in my 50+ attempts to fix this problem with no success. I moved to XXXX from XXXX  in XXXX of 2023 NETSPEND ALLXXXX XXXX  XXXX Address unknown
Product: Debt collection

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to submit a formal complaint against TrueAccord Corp, a debt collector, for their violation of debt collection practices and my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/2023, I received communication from TrueAccord in response to my dispute and request for debt validation regarding an account with XXXX, XXXX. Despite their initial acknowledgment of my dispute and their commitment to pause all collection activities until they provide the requested validation documentation, TrueAccord has continued their collection efforts. 

This action is in direct violation of the FDCPA, which clearly states that a debt collector must cease all collection activities once a consumer disputes a debt or requests validation. TrueAccords disregard for this legal obligation is concerning and has caused significant distress and anxiety. 

I have diligently exercised my rights as a consumer by requesting debt validation to ensure the accuracy and legitimacy of the debt in question. However, TrueAccords failure to comply with the law has led to continued harassment through collection attempts, creating an undue burden on me. 

I am fully aware of my rights under the FDCPA and other relevant consumer protection laws, and I expect TrueAccord to adhere to these laws throughout the debt collection process.

In light of the above, I kindly request the CFPBs assistance in investigating this matter and taking appropriate actions against TrueAccord for their non-compliance with the FDCPA. I also request guidance on how to resolve this dispute lawfully and fairly. 

Enclosed with this complaint are copies of the relevant communication, including my initial debt validation request and TrueAccords response. 

I sincerely appreciate the CFPBs commitment to consumer protection and seek a prompt resolution to this complaint. 


Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
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. 

List of Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 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: Debt collection

I have sent Fair Collections & Outsourcing a Debt Validation letter three times asking them for proof that I owe them any money. I have ask them to provide me proof that I signed any letter or invoice stating that I would pay them for any service. They have failed to provide me with any proof. I have asked them to stop reporting this alleged debt to the three ( 3 ) major credit reporting bureau 's ( XXXX XXXX, XXXX and XXXX ) until they provide me with the proof I have requested, they have failed to stop reporting this alleged debt.