23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I initiated a dispute on XX/XX/2020 in the amount of {$500.00} from the merchant XXXX. Its been over 2 billing cycles since the dispute has been acknowledged and I havent gotten any update.
Product: Credit card

Company closed my credit card accounts without my knowledge. I have been a customer for 20 years with great credit history. They retaliated after I submitted a complaint to CFPB because of interest fees that were charged without my knowledge. I questioned these charges and they have provided no call back or resolution. These charges were unscrupulous and can't believe they have been getting away with charging customers. I was told by numerous friends that Chase charged them fees without their knowledge too and didn't provide an explanation and just ignoring them. I can't believe they can get away with this especially since banks are regulated.
Product: Credit reporting

Apparemtly I have XXXX Tax liens on my credit report that should not be there. The Tax lien 's do not specify what they are for. I did own and sell a property located at XXXX XXXX XXXX, Idaho XXXX under a short sale contract. This would be the only thing I could think these tax lien 's are for. However I sold that property and all late house payments and taxes due were caught up and paid from the final sale of the above said property.
Product: Mortgage

In XX/XX/XXXX my husband, a veteran, passed away. We shared a home together in which he was the only person on the Note for the home, I was just on the deed. This is a VA home loan. Last XX/XX/XXXX the home foreclosed and went to auction. Since I had never opened his estate and was never on the note I allowed the property to foreclose because without opening his estate I could n't do a deed in lieu of foreclosure. XXXX the lender would never speak with me concerning the loan because I was not authorized on the account. XX/XX/XXXX I got a notification on my credit check monitor that a foreclosure had hit my credit report when the loan itself was never even on my credit. After contacting XXXX XXXX, the debt collection agency, they had deemed this an error and told me that they would expedite the process of removing it from my credit. After two weeks I followed up and XXXX XXXX told me that another company had reported it to my credit, Dovenmeuhle. XXXX XXXX explained to me that their research team had sent information to this company 's research department. After contacting Dovenmeuhle and them refusing to give me any information on how or WHY it is on my credit I felt at a loss. I finally reached out to XXXX who said they would look into the issue, but because I was not authorized on the account that they could only give me limited information, but would look into the issue and get back with me by Friday XX/XX/XXXX. Why is it reporting to my credit? I feel this is an error, however I can not get anyone to explain anything to me. If I had " assumed '' the loan how could I have not been contacted in this process? And if in fact I assumed the loan, how am I still not authorized to speak to anyone regarding the account? This has been an ongoing issue for the past year and a half and not only is truly affecting my life, it has taken a huge emotional toll on me. I can not get anything accomplished without proper communication.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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: Vehicle loan or lease

I have tried and tried and tried to pay my lease but JPM Chase 's system is either malfunctioning, flawed or deliberately preventing me from making a payment. Listen to my recent calls. Also This account was reported 30 days late in error & dropped my credit score 40pts.  causing me to be denied for a very needed SBA loan. As a result I had to close my XXXX XXXX and XXXX XXXX XXXX XXXX. My payments of {$240.00} are due on the XXXX of each month. On XX/XX/XXXX My payment of {$240.00} was declined because my bank placed a hoild on a large deposit without notifying me of any hold, therefore I closed that checking account. On XX/XX/XXXX I replaced the XX/XX/XXXX payment with a payment of {$240.00} ( notice I paid {$1.00} more to identify the payment ) This payment was successful payment of {$240.00}. Incredibly JPM Chase 's system used that payment towards the amount that was deferred due to the COVID epidemic and did NOT give me credit for my XXXX payment, which was due XX/XX/XXXX. I spoke to a representative about this and they said it was corrected. But clearly it was not. Now when I try to make a payment online JOM Chase programmed their system in a way that will not allow me to add a different checking account. I used JPM 's secure message platform to complain. The rep. advised to add a couple XXXX but that was wrong and did not work, So them I tried to pay by phone, but now their system wrongly says I owe over {$960.00} and will not ALLOW me to adjust that amount. Incredibly it only gives me 2 options. OPTION # 1. Pay that amount of {$960.00} or OPTION # 2, I do not wish to pay " THAT AMOUNT '' When I press option # 2 it hangs up on me, when I press Option # 1 it initiates a payment of {$960.00}. Now I am late and JPM Chase has ruined my credit, which I was notified because my SBA loan was denied & I was getting ready to lease another XXXX this weekend, which is desperately needed but now will be unable. 
AS a result, I have made at least 4 phone calls, spent countless hours over the phone with JPM Reps., lost my SBA loan, let go 3 employees, closed my XXXX XXXX and been incredibly stressed, At XXXX yrs of age stress is very harmful causing other negative health issues. I am sure JPM will NOT take accountability, will not in anyway compensate me for my losses.They will give a standard apology and that is it. The largest bank in the world and this is the best they can do. I am sending a copy of this complaint to XXXX XXXX through XXXX his email XXXX. I want him to know how his business is run.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX a third-party collection agency attempting to collect on a {$2600.00} account ( XXXX XXXX account number XXXX ). I have identified numerous inaccuracies in the information they are reporting to the three major credit bureaus, including balances and details about services allegedly provided. 



XXXX XXXX, the original creditor, has gone out of business, and there are no records available from their company. Despite this, XXXX XXXX continues to report this account as valid without providing any verification of the debt. 



I have made multiple requests to XXXX XXXX to validate the debt and provide supporting documentation as required under the Fair Debt Collection Practices Act ( FDCPA ). To date, they have failed to respond to my requests. Their failure to verify the accuracy of the information while continuing to report it has negatively impacted my credit across all three bureaus ( XXXX, XXXX, and TransUnion ). 



My specific concerns are as follows : 1. Inaccurate Information : XXXX XXXX is reporting inconsistent and inaccurate details regarding the balance and services allegedly associated with this account. 

2. Failure to Provide Verification : I have repeatedly asked for verification of this account, but XXXX XXXX has not complied, which is a violation of federal law. 

3. Unverifiable Debt : Since XXXX XXXX has gone out of business and there are no records available, XXXX XXXX can not reasonably verify the debt as required. 



I request the CFPBs immediate intervention to : 1. Compel XXXX XXXX to validate the debt with accurate documentation or cease collection activity entirely. 

2. Remove this account from my credit reports if they can not provide proper verification.

3. Notify all three credit bureaus of the inaccuracies and ensure the erroneous information is deleted from my credit history. 



The continued reporting of unverified and inaccurate information is a clear violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). I respectfully ask for your assistance in ensuring my rights are protected and this matter is resolved promptly. 



Thank you for your attention to this issue. Please let me know if additional information or documentation is needed.
Product: Credit reporting, credit repair services, 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. XXXX  XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX XXXX XXXX Account XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Checking or savings account

On XX/XX/22, I was contacted by XXXX Branch managers of the Chase Bank ( JPMorgan ), the first at XXXX XXXX XXXX, NY. NY XXXX, and the second located at XXXX XXXX XXXX, XXXX, NJ. The New Jersey XXXX XXXX informed me that a person presented my new debit card ( that I never received or had in my possession ), along with a " cloned '' /fake driver 's licesense. She then told me that they did not give any of my money from my savings or or checking account to this person due to his " cloned '' driver 's license, but she willfully failed to inform me that XXXX of her bank tellers provided this perpetrator with a new PIN number, without following Chase Bank 's Fraud procedures, including obtaining substantive, credible identification information prior to giving this person a new PIN number. This egregious failure on the part of this bank resulted in the perpetrator of this crime to go to several other Chase Banks in NJ, including one XXXX XXXX Bank, and withdraw {$9000.00} from my checking and savings accounts. ( {$3000.00} was credited to my account by XXXX XXXX Bank ), leaving {$6000.00} still outstanding ). 

The New Jersey Chase Bank did not retain/confisicate the perpetrator 's " cloned '' ( fake ) driver 's license at the time of this incident ( which is Chase Bank 's fraud procedure ), or contact the police to apprehend this individual. Neither did they place my account on restriction so that the perpetrator could not go to any other banks to withdraw my money, which he in fact did, and waited a prolonged period of time prior to notifying me of this crime and theft from my savings and checking accounts. 

Furthermore, the Chase Bank XXXX XXXX XXXX informed me that it was not their responsible to call the police at the time of this incident or to file a police report after the incident, but was my responsibility to file police reports ( which I did with the New Jersey and New york Police XXXX, as well as with the XXXX XXXX XXXX ). I was informed that an XXXX would be assigned to my case but it was my responsiblity to call the XXXX office to find out who my case would be assigned to. I was also told that a " decision '' would be made up to 60 days as to the outcome of their findings, with no mention of crediting money that was stolen due to their negligence and incompetence that would have prevented this theft from occurring had the Chase bank in question initiated timely and appropriate actions as noted above. In sum, Chase did not collaborate with me, a victim of a crime committed due to their negligence and incompetence, and in fact were adversarial, leaving an elderly retired person in a vulnerable and compromised state.
Product: Checking or savings account

The XXXX XXXX XXXXXXXX XXXX account has a withdrawal limit of XXXX per statement cycle. This account is advertised as a savings account with features of a checking account, such as a debit card for spending and checks. I believe that this withdrawal limit is misleading. On the account overview and personal deposit fees schedule PDFs they have on their website, it says it applies to withdrawals and transfers made from a branch, ATM, by mail or between any electronic means. I interpreted the electronic means to include online transfers between bank accounts, and withdrawals to mean withdrawing cash at the bank and ATM. I do not see debit card purchases specified anywhere in these documents. If this had been specified in these documents, I would not have made these debit card purchases. When I spoke with someone on the phone on XX/XX/XXXX, they said that debit card purchases using a POS counts as withdrawals from the account. I do not see this in writing anywhere. Also, it says they charge a {$15.00} fee per withdrawal over XXXX. I have been getting charged amounts such as {$30.00} on XX/XX/XXXX ( XXXX statement XXXX {$30.00} on XX/XX/XXXX and {$45.00} on XX/XX/XXXX ( XXXX statement ) at once. If I had been given the immediate {$15.00} fee after making a debit card purchase, this would have been less misleading. I believe these {$15.00} fees should have been separate transactions. On my account statement, withdrawals, debits and service charges are where I can review transactions in which money was taken out of my account. This language makes it seem like debits are different from account withdrawals. Debit card purchases are also distinguished from online transfers and atm withdrawals. On the apps posted transactions, when I click on transactions Truist app tells me that these are POS transactions and Debit. They are not classified as transfers or withdrawals. I feel like the language for their withdrawal limit fee is very vague and misleading. These fees total to an amount of {$100.00}. Truist only gave me a courtesy fee of {$75.00} on XX/XX/XXXX.
Product: Vehicle loan or lease

I called Credit Acceptance Co asking for Calculation of Deficiency or Surplus, which I never received in the mail.

Under UCC Article 9-616, a creditor who fails to provide the letter waives their rights to a deficiency.

Also looking over the documents gathered from the previous report my name was entered electronically without knowing. 
Also how can my trade name be used when my legal name status is XXXX XXXX XXXX. 
The installment that is listed on my credit report is nothing more than a credit sale which means it is usually sold at auction since it was voluntarily repossessed is usually sold at auction to pay off the unpaid balance. 
Credit acceptance has been reporting inaccurate information and would like it to be removed from my credit report.
Product: Checking or savings account

I have a checking account with key bank. They are supposed to update my direct deposit and bank balance with XXXX XXXX ( a third party that I have authorized access to that information ) Key bank is not sending timely updates as they are supposed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

his is my second time reaching out to you about this matter, but I am a Victim of Identity Theft from Equifaxs Data Breach. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. My claim number is XXXX for my XXXX XXXX XXXX. 

The accounts and addresses are not mine and were opened fraudulently. Please delete them from my credit report Permanently!! 

XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX- {$790.00} XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GAXXXX XXXX XXXX XXXX, GAXXXX AND PLEASE MAKE SURE THAT MY CREDIT REPORT IS NOT FROZEN OR LOCKED. I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT. THANKS
Product: Credit card or prepaid card

After I paid all i owed on the credit card ( American Express blue cash card ) they charged me $ XXXX in interest on a XXXX balance card
Product: Bank account or service

During XXXX weekend, while in XXXX, Louisiana my card was misused at a local XXXX. I reported to Chase bank that my card was charged {$900.00} fraudulently on XX/XX/2017. I immediately called my bank and reported my card lost/stolen. Upon submitting a dispute in order to receive my full amount of {$900.00} back into my account, chase also had me verify the transactions I made prior to this purchase of {$900.00}. I said yes to all of the charges except the one made on XX/XX/2017. I was also asked could I recall what my last transaction was the day before the fraudulent transaction took place. I responded " I believe it was XXXX for about XXXX dollars on XX/XX/2017. '' In actuality it was the XXXX for XXXX and the XXXX transaction was the second to last transaction I made on XX/XX/2017. Please be mindful that I was in a state of panic in the middle of the XXXX police department, explaining to them what was going on, while on the phone with chase. I did not have my account pulled up nor did I use my app on my phone to answer the question. I found it oddly peculiar that the customer service rep who was looking on my account did not ask me to verify if the XXXX transaction was valid or not. She led me to believe that I was correct in XXXX being my last transaction. As a result, my fraud dispute was denied. Chase refuses to credit my account in the amount of XXXX because they said that I listed the second to last transaction opposed to the first. They literally told me that had I not listed the second to last transaction from MEMORY opposed to looking at my account and stating the XXXX purchase as the last transaction on XX/XX/2017, then I would have been granted my money back. 

They are required under the electronic funds transfer act to refund me up to XXXX and myself being responsible for up to XXXX. I am a recent college graduate. I work hard for my money and XXXX is a lot of money when you already have very little. I did my part and reported my card lost immediately, chase needs to credit my account as soon as possible.
Product: Credit reporting

After clearing up any and all outstanding debts that I had, as well as, educating myself with my finances, I ran all XXXX credit reports and understood what I was looking at. I ran my credit report in XXXX and immediately sent all the companies on my report with incorrect debt information and my name listed on debts that are not mine. I requested a formal response to prove the account was mine. Capital One replied many discrepancies with XXXX separate letters dated on XXXX XXXX, XXXX. On the credit report it states " my account '', that I do not recall, was charged off with a balance of {$250.00} with CAPITAL ONE # XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXXXXXXBut then states in the letters ( Letter XXXX ) dated XXXX/XXXX/XXXX, account ending in XXXX, ( stalling tactic ) that they are asking me for the information that I had already given them in my original letter that was mailed by certified mail. I can include that letter to you that shows all the information was already stated on the original letter. the ID on this letter they sent me is XXXX and requesting me to mail them back AGAIN. 

The XXXX letter dated XXXX/XXXX/XXXX Ref # XXXX with Acct ending in XXXX states they are informing me that this account has been sold to XXXX XXXX with a balance of {$450.00} and for me to contact them. And the ID on that letter is XXXX have never made any payment to Capital One for any credit card in XXXX, XXXX or XXXX and I wanted proof that this account was indeed mine. The amount said due and the credit limit as well as what I am saying that I owe do not add up. I am stressing out over these letters which show me that they can not validate this account and that there is possible fraud due to a credit card that I do not own. I have spent a large amount of money trying to clear these debts that are not mine, and have been to the doctor repeatedly for the other conditions in which have been affected by these debt stresses. I can not sleep and hope this can be cleared. Please investigate this and inform me of what else can be done. I have sent the company my social, ID, copy of the credit reports and capital One is requesting it again and now says I need to contact other companies in which they are listed on my XXXX credit reports. 

Listed on all three credit reports by Capital One. 
Date Opened : XXXX/XXXX/XXXXResponsibility : Individual AccountAccount Type : Revolving AccountLoan Type : CREDIT CARDDate Updated : XXXX/XXXX/XXXXLast Payment Made : XXXX/XXXX/XXXXOriginal ChargeOff : $ XXXXPay Status : & gt ; Charged Off & lt ; Terms : Paid MonthlyDate Closed : XXXX/XXXX/XXXXHigh Balance : High balance of {$390.00} from XXXX to XXXX ; {$440.00} from XXXX to XXXX ; {$440.00} from XXXX to XXXX ; {$450.00} from XXXX to XXXX/XXXXCredit Limit : Credit limit of {$300.00} from XXXX to XXXX ; {$300.00} from XXXX to XXXX/XXXXEstimated month and year that this item will be removed : XXXX
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I need you to urgently remove the fraudulent inquiries from my credit report, as they were not authorized by me and are causing me considerable distress.
Product: Credit reporting

The U.S. Department of Education discharged my student loans as a result of my total and permanent XXXX on XX/XX/XXXX XXXX in turn discharged my student loans and reported this to all XXXX credit bureaus on XX/XX/XXXX. The XXXX Department of Education received notice from XXXX on XX/XX/XXXX that my loans were discharged. Nonetheless, and inexplicably, the XXXX Department of Education reported my loans not as discharged, paid in full, with XXXX balance, but rather reported them as in a balance status of {$100000.00} and {$95000.00} on XX/XX/XXXX. Now, each of the XXXX credit bureaus -- XXXX, XXXX, and Equifax -- is incorrectly reporting that my loans are in balance status when they have been discharged by the US Department of Education and XXXX for total and permanent XXXX and should show XXXX balance, paid in full, and closed. This represents deliberately false reporting to the credit bureaus and is discrimination against a XXXX person. These loans have been discharged for over XXXX days. Please immediately resolve this and ensure that all parties and all credit bureaus show these loans as discharged, paid in full, and closed, with XXXX balance.