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

I was XXXX  due to XXXX  from XX/XX/XXXX to XXXX XXXX. 
on XX/XX/XXXX my wife called XXXX XXXX to notify them of my XXXX  and ask for an extension or forbearance for the upcoming payment which was due between She was told that they would process the forbearance and email me confirmation. I received no emails or confirmation. following release from the hospital realizing they had not responded or confirmed the forbearance i made the payment over the phone. 
they still reported a thirty day late on my credit report and it has caused a substantial drop on my XXXX XXXX. 
I would like the XXXX  day late deleted from my credit report
Product: Checking or savings account

On multiple times I was charged for having the account when I wasnt supposed to be because of how much I deposited into account. Then came overdrafts I didnt approve nor had money in account to cover. Lastly I was over charged by a rental company and even tho I showed fraud they still have my account negative for such charges
Product: Credit card

My XXXX is XXXX years old and has been XXXX. Her income is used to pay for XXXX services and she can no longer pay the credit card payments on her Chase account. I forwarded Chase documentation to verify that I have power of attorney over my aunt. I have asked them to contact me regarding the payments and they refuse. I tried to work out a payment plan and they refuse to discuss it with me. My aunt lives on a XXXX and most of her income pays for XXXX services. 
Chase representatives harass my aunt on a daily basis via constant phone calls and XXXX mail. I live in XXXX and oversee my aunt 's bills, etc. 
Please advise if there is anything the consumer financial protection can do to alleviate constant harassment by Chase. I am afraid for my aunts well being. 
Chase is trying to force her to pay and she does not have the income to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : 1 XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX  Date of inquiry XX/XX/XXXX
Product: Checking or savings account

Illegal use of debit card. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX my Capital One Debit Card was charged {$9.00} by XXXX  XXXX XXXX XXXX XXXX  XXXX TX. 
Capital One advised me XXXX  XXXX XXXX XXXX XXXX  XXXX TX is a parking garage. 

I did not make or authorize these charges. My card never left my possession and I never shared my PIN. 
The charges continued even after the Debit Card was replaced.

I observed each fraudulent charge after using the Debit Card at XXXX XXXX. 

Capital One initially ruled in my favor and reimbursed the funds. 

The XX/XX/XXXX and XX/XX/XXXX claims were denied because a CHIP and PIN were used. 

XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX my XXXX XXXX  XXXX XXXX XXXX ( XXXX ) Debit Card was charged {$9.00} by XXXX  XXXX XXXX XXXX XXXX  XXXX TX. These are the exact fraudulent charges that appeared on my Capital One Debit Card Statement.

I did not make or authorize these charges. My Debit Card never left my possession and I never shared my PIN. 

I observed the fraudulent XX/XX/XXXX charge after using my Debit Card at XXXX XXXX. 

The XX/XX/XXXX fraudulent charge appeared on my XXXX Statement after a purchase made with my XXXX Credit Card ( not XXXX  Debit Card ) at XXXX XXXX 

The XX/XX/XXXX fraudulent charge appeared after shopping at the XXXX XXXX XXXX. 

XXXX would not accept claims for the XX/XX/XXXX and XX/XX/XXXX fraudulent charges because the claims were not initiated within 90 days of the charges. 

XXXX denied the XX/XX/XXXX claim because a CHIP and PIN were used. 

Summary : 1. All charges appear as XXXX  XXXX XXXX XXXX XXXX  XXXX TX 2. Each fraudulent charge is exactly {$9.00} 3. The charges appear after shopping at XXXX XXXX ( multiple locations ) and the XXXX XXXX  XXXX  4.one charge appeared on my Debit Card Statement after using a XXXX Credit Card 5. A PIN was used 6. I did not make or authorize these charges I reported this forgery to the XXXX Police Department XX/XX/XXXX, Incident Number XXXX.
Product: Credit card or prepaid card

had multiple unauthorized charges on my account in which I was promised that I would not be responsible for unauthorized charges. I spoke with American Express today as they called me and was told that they were shutting down my accounts due to 3 returned payments in which were handled and situation explained to American Express and I was promised that my account would not be subject to closure. The returned payments ( 1 & 2 ) as recorded was because of a stop payment put in due to the unauthorized, fraudulent charges on my account as instructed to do so until their investigation was complete which never happened. ( 3 ). The third returned payment was due to a simple mis-keying of a 6 while typing in my new account number. I immediately called in and informed American Express and was assured that my accounts were NOT and WILL NOT be subject to cancellation nor closure. I received a call from XXXX ( XXXX ) XXXX at XXXX XXXX ( American Express account review ) in which I was informed that all of my accounts were immediately canceled and that Im responsible for unauthorized charges. I have been misrepresented, injured and business now will suffer damages due to American Expresss misrepresentations and false promises which led me to believe that I was secure even after being a victim of identity theft. I am a single mother with a business and due to the current climate the world at large is in, I am subject to injury by American Express who without cause nor explanation closed all accounts ( personal and business ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX reporting under account # XXXX is a up to date current closed account that was paid in full that wasn't a charge-off. It has come to my attention that in 2017 for the months of XXXX, XXXX, XXXX and XXXX they have marked across all 3 bureaus Experian, XXXX and XXXX 30 day, 60 day, 90 day and 30 day late payments respectively when this is inaccurate and incorrect. I have made all payments on these accounts on time and have never been late once. I am in the process of going for an apartment and due to these late payments they have severely impacted my credit where I can not qualify for an apartment because my credit is shot due to this. I need this account updated with the right correct payment history as current and up to date on payments.
Product: Money transfer, virtual currency, or money service

On XXXX, a XXXX form from XXXX, XXXX XXXX XXXX  , XXXX  was received at my previous address. The amount on the form was for {$XXXX} and it included my correct name and last XXXX digits of my social. However, I never opened an account with this company. That same day, I contacted the company by phone at XXXX and explained to them that I suspected someone else opened an account with my name and my social security number. She asked me for my email address and sent me a message to which I replied with a picture of the form I received. After confirming that she received the picture, she stated she would forward it to their fraud department and I should hear back from them within XXXX business days. She provided me with ticket number XXXX XXXX, I got an email from XXXX XXXX XXXX XXXX XXXX XXXX my local law enforcement and provide the following information to them : XXXX, Block , Inc . 
Attn : Counsel Investigations XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX : XXXX On XXXX, I received another email from XXXX XXXX XXXX XXXX to contact Cash App at XXXX. On XXXX, I contacted Cash App and spoke to XXXX and explained the situation to her ; however, she stated she couldnt really help me because I didnt have the correct email address to the account I was calling about. The only thing she could do was to email me a questionnaire, so that an investigation could be started on their end. On XXXX, I contacted both companies again, but wasnt given any updates or information on my case. Up to this date XXXX, I havent heard anything back from XXXX XXXX XXXX Cash App.
Product: Vehicle loan or lease

I am a victim of identity theft due to an XXXX  Credit breech.On XX/XX/2020 I have submitted all required identity theft documention to XXXX  credit services and the following companies, SETOTYOTA FIN DBA OF WORLD OMNI account # XXXX. They continue to report these fraudulent accounts that are identity theft. Pursuant to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.and send the required notifications to all furnishers of this information.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

My husband and I designated our TD joint savings account XXXX to receive direct deposit for our refund claim which was indicated on our XXXX XXXX and XXXX XXXX signature page. 
To date we have not received our XXXX refund of {$1800.00} plus interest and IRS refund of {$5000.00} plus interest. It has now been over six months since our return was received on XX/XX/XXXX. We have been checking regularly online and by direct inquiry to TD bank personnel to know if our refunds were deposited? As far as we know we have not been provided an obvious reason by the IRS or XXXX to with hold issuing our claim amount. Since we had not received the deposit my husband and I filed a IRS Form 3911 Taxpayer Statement Regarding Refund by certified mail to the XXXX  XXXX facility which was signed and received. We want to know if TD Bank misdirected our deposits from the IRS and XXXX? Is TD using their own policy to with hold our refunds? 


Applicable Federal Regulations : XXXX ( XXXX ) Claims for a Direct Deposit " A financial institution is required to take corrective action when it caused the misdirection of the deposit. See XXXX XXXX, Non-Receipt of Direct Deposited Refunds - Refund Inquiry Employees. '' As required by section XXXX of the Taxpayer First Act, the IRS and Treasury amended Treas. Reg. XXXX on XX/XX/XXXX. The amended regulations require coordination between the IRS, XXXX, and the financial institution that holds the direct deposit account to which the refund was made to identify and recover a misdirected direct deposit refund. The amended regulations also authorize the IRS to issue a replacement refund when it is determined that a misdirected direct deposit refund has occurred.
Product: Vehicle loan or lease

I leased a new vehicle which Chase Auto Loan financed. After the lease period ended, I purchased the vehicle by converting the loan from a lease to a purchase. Chase remained the finance company. I have been unable to register my car for 2 years because chase has not sent me the title of the car. I have called a dozen times over the last two years. Each time I am told that the title would be sent directly to me. The DMV faxed them a letter specific to my issue that stated that Chase needed to send me the title before I could register my car. Over the course of these 2 years, they have asked for proof of insurance, saying they needed that before sending me the title. Each time ( most recently a week ago ) it was provided, each time the title was not sent. Payments continue to be made on a car that is not legal to drive.
Product: Credit reporting or other personal consumer reports

I had a property in XXXX which I can no longer afford to pay the mortgage. The tenants did not pay rent and was allowed to continue to stay in the property for extended months. I got a Realtor who placed the property for short sale and there was an offer for the said property. The realtor contacted the mortgage company PHH Mortgage several times and was not given a response neither was the offer accepted. Some time past and the property was placed in foreclosure by XXXX XXXX. XXXX was submitted to the XXXX XXXX and it was denied. I have attached copy of the denial letter.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX has placed a derogatory remark on all 3 of major credit report companies. It is a medical bill reported from XXXX  Hospital XXXX XXXX for services dated XX/XX/XXXX. The patient 's name is my adult daughter who listed me as an emergency contact, not a guarantor of her charges. I do not recall ever having signed to pay any of her bills since she reached 18 years of age. 

I have attempted to contacted the collection company, XXXX  Hospital XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. None will provide me with evidence that I signed to guarantee her bills. XX/XX/2018 I spoke with XXXX XXXX 's office. Employee stated the computer listed my name as guarantor but was not able to provide me with any documents proving this. She was unwilling to remove me as guarantor. She stated that my daughter would have to have me removed. Daughter who had not been speaking to me since XX/XX/XXXX answered my text and denied she was ever aware of money owed to XXXX XXXX. After making several phone calls, daughter stated that several people told her there was no money owed. Daughter had my name removed from computer as Guarantor but no one provided her with a signature that I had ever agreed to cover her medical bills. In XX/XX/XXXX and XX/XX/XXXX I filed disputes with all 3 Credit Report Agencies. The derogatory remarks were removed only to return in XX/XX/XXXX under a different reference number. XX/XX/XXXX I received an email that XXXX  determined it was my debt. To date, no one has ever provided me with a document showing my agreement to pay my daughter 's debts. The derogatory remark remains on my credit reports. 

After several attempts to contact daughter and her husband, my husband received a text that she had already done all she could do to rectify the problem, including paying a small amount toward the debt. As they are no longer having any contact with us, we have hit a dead end.
Product: Credit card or prepaid card

I am XXXX XXXX the natural person and Consumer. I'm making this complaint in my behalf and there is no third party involved. On XX/XX/2021 Synchrony Bank ran my credit without my authorization. Resulting in XXXX XXXX decreasing my credit limit from {$7000.00} down to {$4400.00}. Making my utilization very high. Synchrony Bank is in violation Pursuant to 15 usc 1681 ( c ) ( 1 ) ( A ) - credit transaction that is not initiated by the consumer.
Product: Checking or savings account

On XX/XX/2023, I initiated a transfer of my HSA from UMB Bank to XXXX through the XXXX portal. I was then directed that UMB Bank refuses to acknowledge these transfers unlike other HSA providers and instead requires me to liquidate and initiate the transfer on their side. I immediately put in that request to liquidate at the end of XXXX ; however, UMB continued to drag their feed not selling the assets until XX/XX/XXXX. They then XXXX the account on XX/XX/XXXX, debited the account on XX/XX/XXXX. They then held the funds for 3 additional weeks claiming they have now sent the check on XX/XX/XXXX. 

During this time, UMB never reached out to me with each action needed to be initiated by either XXXX or me. I was then lied to by the UMB rep that paper checks are required for HSA transfers per IRS regulations, on top of their inability to do an in kind transfer.
Product: Consumer Loan

I VISITED TITLEMAX IN XXXX GA IN XXXX 2015. I SPOKE WITH THE AGENT ON DUTY IN REF TO PAWNING MY CAR TITLE. HE PROVIDED ME THE DETAILS OF HAVING A TITLE LOAN AND SO I PROCEEDED WITH THE LOAN. I WAS TOLD THAT MY PAYMENTS WOULD BE {$300.00} PER MONTH AND THAT IT WOULD TAKE 12 MONTHS TO PAY OFF THE LOAN. THE AGENT SECURED ME FOR A {$2000.00} LOAN. A WEEK LATER I WENT IN AND ASKED FOR THE REMAINING BALANCE I COULD GET AND WAS PROVIDED THE FUNDS, TOTALING {$2500.00}. I WAS TOLD THE PAYMENTS WOULD BE THE SAME, THE PAYOUT TIME FRAME WOULD BE THE SAME, AND ALL WAS WELL. THREE MONTHS LATER I SPOKE TO THE AGENT AGAIN ABOUT THE LOAN AND HE ADVISED THAT AFTER I HAD PAID {$1200.00} I HAD NOT TAPPED INTO THE PRINCIPLE BALANCE. ANOTHER AGENT HAD OPENED MY ACCOUNT AND ACCIDENTLY ADVISED ME OF THE ACTUALITIES OF MY LOAN. I HAD ANOTHER PAYMENT OF {$300.00} AND AFTER THAT ONLY ABOUT {$27.00} WOULD BE APPLIED TO THE ACTUAL LOAN. THIS IS NOT WHAT I WAS TOLD IN THE BEGINNING. THE FIRST AGENT STATED THAT I WOULD PAY A TOTAL OF {$2500.00} PLUS AN ADDITIONAL {$700.00} FOR THE INTEREST, WHICH WOULD EQUAL {$3200.00}. THE FIRST AGENT ADVISED THAT I NEEDED TO PAY MORE TO GET INTO THE PRINCIPLE OF THE LOAN AND ONLY THEN WOULD I BE ABLE TO ACTUALLY START TO SEE SOME RELIEF. BUT MY PAYMENTS WERE GOING TO BE HIGHER ONCE I TAPPED INTO THE PRINCIPLE WHICH MEANT MY TIME TO PAY OFF WOULD BE LONGER AND THEN THERE WOULD BE MORE INTEREST ADDED. I ENDED UP FILING THE TITLE PAWN UNDER MY BANKRUPTCY AND FROM WHAT I WAS TOLD THE DEBT HAS BEEN SATISFIED. I HAVE NOT RECEIEVED MY CAR TITLE AND IT HAS BEEN OVER A YEAR.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

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

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I wish to dispute the presence of unauthorized accounts on my credit report, as indicated by your bureau. Upon meticulous scrutiny of my credit report, I have determined that these accounts are the results of identity theft. I initiated to contact with the company associated with these accounts, and they assured me that it would be removed from their records. I am aware that other credit bureaus have already removed these fraudulent accounts from their records. This discrepancy raises significant concerns regarding the accuracy and timeliness of your bureau 's reporting practices. Despite my proactive measures to address this issue, the accounts continue to be reported on my credit report by your bureau. In support of my claim, I have lodged a formal complaint with the Federal Trade Commission ( FTC ) and have provided the bank with documentation demonstrating the fraudulent nature of these accounts. I respectfully request that you conduct a thorough investigation into this matter and remove the fraudulent accounts from my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX