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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general 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. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 
XXXX  | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX  | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. 
I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX CA XXXX : Account number : Address, The following personal informaon is incorrect. This address is not correct. Delete it immediately from my report. 


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

I sent a letter last XX/XX/XXXX to remove all listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/delete all items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$4100.00} ; 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 Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

CITI XXXX XXXX XXXX CARD ( CITI BANK ) On XX/XX/XXXX I called CITI Bank for a {$120.00} XXXX XXXX Rewards Voucher In was supposed to receive. The female representative assured me not to worry that they had mailed it out in XXXX of XXXX and sense I did not receive it they said they would re issue me a new one and it could take 14 days to arrive. Total time spent on phone was 14minutes. 

On XX/XX/XXXX I messaged someone named XXXX via the CITI customer service app and was assured again that I would receive my {$120.00} XXXX XXXX XXXX but in 1-2 billing cycles. Total time spent chatting via the app 35 minutes. 

On XX/XX/XXXX I messaged someone named XXXX via the CITI customer service app and was assured again that I would receive my {$120.00} XXXX XXXX XXXX but in 5-7 days and to rest assured. Total time spent chatting via the app 30 minutes. 

On XX/XX/XXXX I called CITI Bank and spoke to someone named XXXX. She informed me I was not receiving my {$120.00} XXXX XXXX XXXX and there was nothing she could do except share my feedback about the poor customer service. Total time spent on phone was 1 hour and 3 minutes. No compensation, no formal apology, nothing was offered.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to see that this was being reported as a charge-off/foreclosure. This is wholly inaccurate reporting. I became deadly ill and was hospitalized and while I was fighting for my life, I had to fight to try to keep my home. Instead of letting my home go into foreclosure, I continued to push for a short sale and that finally closed in XX/XX/2021. The status is wrong. 

This has been hurting me significantly as I am in the process of buying a home for my family. Please remove this account due to it being inaccurate from my credit report as soon as possible.
Product: Consumer Loan

I made a payment of $ XXXX over the phone for my XXXX payment. However as of XXXX XXXX, the payment has not been posted. Chrysler Capital claims that the payment was made on XXXX XXXX and because of the holiday, the payment is delayed in posting. I am now 31 days late and now do for XXXX. I have reason to believe that because I called and was upset, Chrysler Capital is being vindictive and delaying payment processing. I believe that this is a form of harassment, that is a violation of the FDCPA. The payment has cleared my bank, and Chrysler Capital admits that the payment is there. They just refuse to post it.
Product: Checking or savings account

I requested multiple refunds and they were never given. I requested companies to be blocked that were never blocked from requesting money from me.
Product: Debt collection

In XX/XX/XXXX to XX/XX/XXXX, I was contacted by Hunter Warfield Collection  agency regarding payment to XXXX XXXX XXXX for apartment that I did not live in. They keep calling and sending notifications to my personal home for a balance of {$9300.00}. 

I told them that this is not my debt and this debt belongs to XXXX XXXX who lived there. I did co-signed for her to get an apartment in XXXX ; however, due to safety and security so she told me that she provided the rental office a letter of her leaving the apartment three months before it was up. 

I asked them just on this past Tuesday, XX/XX/XXXX to not to call me and if this is amount that you say I owe, please provide the documents that XXXX XXXX XXXX has sent you for it does not amount to what you are saying. 

I have documentation from the person that was living there and she stated that this is not my debt and that she sent a check of in the amount of {$1400.00} on XX/XX/XXXX for which it was notarized to a debt amount of {$9000.00} with a settlement amount of {$4400.00}. 

What can I do to get this off my credit report for All 3 bureaus? Plus for the state of Maryland statue limitation is 3 years. It is more than 3 years since XXXX.
Product: Checking or savings account

I received a call for a lady named XXXX who said she was from the fraud department about an account. She was asking very personal questions about where our money comes from and our spending habits and how we use our money. I thought these questions were non of her business. 

After this call I was locked out of all my accounts with not internet access also. I called them back to ask about this and they said my accounts were under investigation for fraud. I monitor my accounts closely and have not seen anything to indicate fraud. I am also the POA for my mothers accounts as we have had to put her in a XXXX XXXX because of XXXX/XXXX. I have been taking care of my mothers finances for over a year with out any problems, but now I can't access her accounts to continue paying her bills. 

I want to file a formal complaint against this XXXX person as she has meddled in my accounts and has caused a lot of hardships for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act, 15 U.S.C. 1681a ( d ) ( 2 ) ( b ) Exclusions, to request you remove this item immediately. XXXX XXXX account number : XXXX. This account is being reported illegally.
Product: Credit card or prepaid card

On XX/XX/18 I received an email from Chase about a suspicious charge on my XXXX XXXX VISA card in the amount of {$490.00}. I immediately contacted Chase to confirm that the charge was fraudulent and they removed the charge, cancelled my old card number and issued me a new card. 

AT THIS POINT, I THOUGHT THE MATTER WAS COMPLETELY SETTLED. 

However, the charge of {$490.00} reappeared on my XXXX statement. When I contacted Chase again, they said they put the charge back on my account because a package linked to this charge was shipped to my address. 

Again, I informed them that I did not make this charge and never received any packages. I also informed them that someone set up a fraudulent XXXX My Choice account linked to my address and this time, mostly likely, to intercept the package. I have a police report to document this. 

In spite of this information and repeated calls made in an attempt to settle this matter, Chase refuses to remove this fraudulent charge.
Product: Credit card

JPay is extorting families, friends and associates " Sending Money '' to XXXX individuals!! CFPB hit JPay with {$6.00} XXXX in fines and restitution over FEE-HEAVY charges on " Debit Release Cards ( 2021 ). Hopefully, you can hit JPay with fines and restitution for FEE-HEAVY extortion " Sending Money '' to XXXX individuals!! 

Issues. First, the fee percentage charged is substantially different for a credit card ( 3.57 % ) and debit card ( 13.4 % ). Second, Colorado law says the maximum fee rate is 2 %. Third, JPay has failed to publish their fees and CSR failed to provide them upon request. 
Fourth, JPay offers no FREE option " Sending Money '' such as an electronic transfer from a checking account. An option provided by almost all companies billing customers. 

Additionally, I've yet to fact check XXXX individuals are charged a TWENTY Percent FEE ( 20 % ) by JPay or XXXX XXXX XXXX XXXX. This would be OBSCENE EXTORTION of the Person " Sending Money '' and the XXXX XXXX. 

Conclusions. First, XXXX  individuals are XXXX their XXXX  This is sufficient punishment. XXXX XXXXXXXX XXXX XXXX charging ANY FEE is OBSCENE EXTORTION and MUST be STOPPED. Second, JPay MUST be FORCED to Publish Fees and LIMIT FEES to 2 % in Colorado. 

Details for two deposits to date below. Can you help? Thank you JPay Deposits Personal details have been omitted and will be provided upon request. Personal details will be for CFPB and JPay internal investigation only. Personal details never to be published. 

XXXX - Deposit {$300.00} XXXX Credit Card - Cash advance fee {$15.00} - Cash interest charge {$0.00} - Total {$16.00} XXXX. JPay - Fee {$10.00} - Fee Rate 3.57 % XXXX, Totals - Fee & Interest - {$26.00} - Charge - {$310.00} XXXX - Deposit {$50.00} XXXX. Debit Card - No fee per bank, but not verified. 
2. JPay - Fee {$6.00} - Fee Rate 13.4 % 3, Totals- Charge {$6.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX, XXXX 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 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 those accounts 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 XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( 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 1002 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 reporting

XXXX and Experian refuses to remove XXXX Chapter XXXX dismissed bankruptcy from credit report Desired Resolution : Delete Chapter XXXX Public Record from my Equifax XXXX and Experiancredit report
Product: Credit reporting

I have written documentation from XXXX University that account with them should not be reported as charge off and bad debt.. I sent that information to CFPB on XXXX/XXXX/2015 by mail to you, however I did n't put complaint number or mailing. If necessary I can resend information. Transunion can contact XXXX University directly or CFPB can contact XXXX University Financial Department. XXXX XXXX XXXX - Business Office/Financial Aid XXXX University XXXX XXXX XXXX. XXXX XXXX, MO XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX. Thank You
Product: Credit reporting or other personal consumer reports

Account ending in XXXX Due dates on or around XXXX of each month. I'd made a payment on the XXXX of XXXX but, I'm reported as XXXX  days late on my consumer report. 

This needs to be corrected. Immediately as it is causing damages to my consumer file with Concera Credit Milestone Credit Card.
Product: Debt collection

I notifi ed American Express that i  have been a victim of Identity theft as soon as I found out. It was on  XXXX / XXXX /   2016  when I notified all  XXXX  credit bureaus with affidavits from my lawyer and a police report. They did n't remove it from my report which I requested. As of a month ago I sent another affidavit asking for the original contract signed stated by the Fair Credit Reporting Act  section 609 ( a ) ( 1 ) ( A ) that they are required by federal law to verify through the PHYSICAL verification of the ORIGINAL SIGNED Consumer contracts. I currently live in TX which by law in order to collect they must be bonded with the Secretary of State in which American Express is  not. I am demanding that the credit card of a balance of {$1500.00} be removed immediately. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to PARAMOUNT RECOVERY SYSTEMS, there is a debt under account # : XXXX XXXX for {$350.00} & account : XXXX XXXX for {$2000.00}. These accounts were previously disputed with all 3 credit bureaus, the accounts could not be validated and were removed and deleted from my credit reports. In addition, the original creditor, XXXX XXXX released my medical records to this third-party collection agency ( PARAMOUNT RECOVERY SYSTEMS ) without my knowledge or a signed XXXX release authorization. I am aware that the XXXX does allow for limited information about me but anything more is to ONLY be revealed with the patients authorization. 

According to XXXX, there is a debt under account # : XXXX XXXX for {$1600.00} & account : XXXX XXXX for {$88.00} These accounts were last disputed on XX/XX/20 with all 3 credit bureaus. XXXX responded with a letter ( see attachment ) showing only a balance and service date. XXXX failed to validate the debt by providing me with a breakdown of charges, Diagnosis, and or procedure codes for services rendered in addition to my signed XXXX release per my dispute request letter. In addition, the original creditorXXXX XXXX XXXX released my medical records to this third-party collection agency ( XXXX ) without my knowledge or a signed XXXX release authorization. I am aware that the XXXX does allow for limited information about me but anything more is to ONLY be revealed with the patients authorization.
Product: Credit card or prepaid card

I have 4credit cards issued by CITI. In the months of XXXX through XXXX they dropped all credit limits on three of the cards and I expect the 4th one to drop next. Although my credit card useage is high, prior to the decreases about 38 %. It is now over 50. I have dramatically cut card useage down since XXXX when I no longer had to pay medical expenses accrued during XXXX XXXX  I was being treated for with no insurance. I had one card with them which was a balance transfer option and I paid down some of my cards with it. I have impeccable payment history and have not gone into collections for medical  bills. I have never missed a payment nor been late and even during COVID made my payments while on job attached unemployment. I have not missed work even through XXXX  although I cut down on hours when feeling XXXX  from side effects. I went back to work quickly against doctors wishes when I had XXXX. I feel that destroying my credit rating by one bank that holds a monopoly of different credit cards is not correct. This bank has brought my credit score down by 42 points in three months and has put my credit with my other cards at risk. I am not a risk and have worked to ensure all payments are made on time and in full. I am a XXXX  and I pay more when I can but always minimum due. Last month I paid over 500 of balances down which does not seem like a lot but it was an accomplishment. I more than qualify for chapter XXXX bankruptcy, but it is not an option as I am a responsible consumer. I have reached out and was told they reviewed my credit report and decided this was my punishment for using credit cards. I was told that with my permission prior to XX/XX/XXXX they woul re~review my credit report, which is now down 42 points and because of their direct interference my credit useage has jumped up. Their decision will not change and will then add an inquiry. I was notified via letter that the decision was not based on credit company information when in fact it was. I did not know a review of my credit file was used. I am nervous about the effect this is going to have on my purchase of a mobile home with my daughter. This is a lot of power that one entity has over one person. I feel that the freedom of these types of actions should be monitored. This a very common occurrence with this bank especially as I have been studying complaints with XXXX. I understand the need to make changes but not on that many accounts in such a short period of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a collection on my credit file and the first report I pulled from my monitoring site shows NO company or contact information. It only shows an account number of XXXX I have yet to hear from Equifax about anything I disputed and it's been 4 or 5 months. I started to settle some of the things I know belong to me but this unnamed account had no information to call to even validate the debt. I requested a report directly from Equifax hoping it would give the needed information since my monitoring site did not. When I received the report they show the name of the collection company as XXXX XXXX XXXX XXXX with a contact number of XXXX when I called that number they said they had no record of my SS # and the report I received indicated it was a medical bill and the representative at this company said they do not collect medical debt!
Product: Debt collection

This account had no record that ever belonged to me with these authorities/leasers. I tried to contact them several times and ask for proof of ownership that I really own this account.
Product: Checking or savings account

On XX/XX/XXXX, I purchased via XXXX with a Chase Debit card airline tickets with XXXX XXXX for a flight from XXXX XXXX to XXXX XXXX with a departure date of XX/XX/XXXX and return date of XX/XX/XXXX ( Confirmation # XXXX ). I had purchased these tickets for {$830.00}. I had canceled these tickets at around late XXXX and asked for a refund. My refund request was granted and I began waiting for a refund. 

On XX/XX/XXXX, XXXX XXXX contacted me asking for my banking information for a wire transfer as the card I used was canceled ( which was true ). I sent over my wire transfer information and was told it should arrive within 10 business days. Those days passed and I did not receive that refund in my bank account ( I had asked for the money to be wired to my savings account with XXXX XXXX  and they use Chase as an intermediary ). I called XXXX & Chase to ask if they had received the refund and if it was on its way and both said no money was incoming or did not have enough information to know. I called XXXX about the situation and they told me it would be 'high priority ' I called back 1 week later and was told that the 'high priority ' status meant nothing and that their refunds department made an error and that they would rectify it. It did not get rectified and I called back 3 more times over the month of XXXX, with the last time I called telling me to go take it up with XXXX. 

On XX/XX/XXXX, I opened a claim with Chase and asked them to get the refund on my behalf as XXXX XXXX XXXX seemed unable to do that with my calling. I sent documentation about the steps I took to get my money back with XXXX XXXX, including a refund invoice they sent me as proof that they sent the refund. The refund invoice has the wrong bank account listed on it and is not the one I had sent them. I also sent copies of the emails I had with XXXX XXXX regarding my refund and a copy of my bank statements from XXXX XXXX  to prove I had not received the money. 

On XX/XX/XXXX, Chase Bank denied my claim, saying that as the initial purchase of the tickets was authorized there was no fixing they needed to do.
Product: Credit reporting

ORIGINALLY I FILED WITH THE CFPB CASE # XXXX. MY RESPONSE WAS PARTIALLY ANSWERED! I appreciate that XXXX RESPONDED BUT THEY ALSO CONFIRMED TO THE CFPB THAT THE LATE PAY WAS ERONEOUS AND NOT SHOWING ON THEIR BUREAU, AND NEITHER IS XXXX!!! I am asking for TRANSUNION to Please remove the negative late pay mark against me. I HAVE ATTACHED THE DOCUMENTS TO THE ACCOUNT REFERENCING THIS LATE PAY. This is merely a stall tactic to not address my concern. Pursuant to the FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Do n't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency?