23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I am writing to file a formal complaint regarding an issue with Chase XXXX and XXXX following the sale of my leased XXXX XXXX XXXX XXXX XXXX XXXX. Below are the relevant details : Background I sold my XXXX XXXX XXXX XXXX XXXX XXXX to XXXX in XXXX XXXX, IN, on XX/XX/XXXX. This vehicle was under a lease agreement with Chase XXXX, with the lease term ending on XX/XX/XXXX. The next scheduled payment date for the lease was XX/XX/XXXX. On XX/XX/XXXX, a Chase XXXX representative confirmed over the phone that I would not need to make the XXXX payment, as the vehicle would be sold before the payment date. They also assured me that I could sell the vehicle to XXXX to terminate the lease. 

Transaction with XXXX The sale process at XXXX went smoothly. The XXXX representative assured me that they would handle the lease buyout payment with Chase XXXX and that my only remaining responsibility was to manage the license plate with the Ohio XXXX. I left the vehicle and the keys with XXXX on XX/XX/XXXX, believing the matter was resolved. 

XXXX XXXX XXXX few weeks later, on XX/XX/XXXX, I noticed a short selloff payment reflected in the Chase XXXX app. Concerned, I called Chase XXXX on XX/XX/XXXX, and was again reassured that the matter was being handled between Chase XXXX and XXXX. 

Despite these assurances, I received a letter on XX/XX/XXXX, dated XX/XX/XXXX, stating that I owed {$34000.00}, which included the final monthly payment and the vehicles payoff amount. The letter also indicated that I was past due on my payments. Since Chase XXXX was unavailable on the Saturday I received the letter, I contacted XXXX, who informed me that the corporate office was still working on the deal. 

On XX/XX/XXXX, I received a notification through my XXXX subscription that Chase XXXX had reported a late payment to XXXX and other credit bureaus, marking my account as delinquent. 

Unfair Practices by Chase XXXX Chase XXXX appears to be acting unfairly. Despite assurances to the contrary, they have repeatedly increased the payoff amount provided to XXXX, causing the buyout attempts to fall short. This has resulted in Chase XXXX placing the responsibility for the outstanding amount on me, even though I no longer possess the vehicle, and handed over the keys and title to XXXX on XX/XX/XXXX. 

Thank you for your attention to this matter. Please do not hesitate to contact me if additional information or documentation is required.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX **Subject : ** Dispute of Inaccurate Information and Unauthorized Inquiries Dear CFPB, Im writing to dispute inaccurate information and unauthorized credit inquiries on my credit report. 

XXXX. **Inaccurate Information** : There are some entries on my report that I do not recognize or that are incorrect. I believe these should be removed or corrected. 

XXXX. **Unauthorized Inquiries** : There are credit inquiries listed that I did not authorize. According to the Fair Credit Reporting Act ( FCRA ), inquiries should only appear with my permission, and these should be removed. 

Please investigate these issues and help ensure my credit report is accurate. If you need any more information from me, please let me know. 

Thank you, XXXX XXXX XXXX XXXX
Product: Checking or savings account

On or around XX/XX/XXXX, someone hacked my Chase checking account information and deposited a number of checks made out from XXXX XXXX to me. These were fraudulent checks not endorsed by me. In fact several of them were endorsed by a completely different name. 

Then on or around XX/XX/XXXX someone disputed a number of payments to vendors and merchants that I had previously sent. Chase approved these payments and then reversed the payments and returned the money to my account. Then the hacker withdrew these funds and all the bogus checks bounced and my account was severely overdrawn and now the bank refused to pay the reversals back, sending me a letter stating that I had initiated the reversals. This is not true. I asked them to go listed the recorded line and they refused. It was not me at all. They also stated that they don't review the endorsements on the back of the checks. I am out over {$3500.00} because their fraud organization refused to help me. They stated that they had cleared the complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX **** Balance : {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX  XXXX Bankruptcy XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2020, I received a phone call from a 1800 number that appeared to be from Discover card. The person on the phone identified themselves as Fraud services at Discover. They proceeded to tell me that there were multiple fraudulent purchases on my account the needs to be verified. I told them that those weren't from me and she said she'll initiate cancellation. I got another call hours later from a number definitely a discover card number telling me that the card is sent out. I got a call today, from the same number, but the phone call sounds much more legit. I was told that there are still charges to my account. The new person was definitely more professional than the first people. It is likely that the first calls were not even from Discover and were fraudsters spoofing.
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.

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

15 U.S.C 1681 Section 604 A Section XXXX : 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 ) ( XXXX ) 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 contacted the company on XX/XX/XXXX when the court served me with court documentation. Explained to them that transaction were not mine and I had no knowledge of them. On XX/XX/XXXX I provided them with documentation showing where my mortgage company paid the credit card company off. I called again on XX/XX/XXXX, the company hung up on me. Called XX/XX/XXXX provided them with the same documents and they fail to provide me with an investigation to follow up on the information that was provided.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I noticed an unapproved inquiry on my credit report. XXXX has run my credit without my permission. I called the company to try to get this resolved. The company then asked for personal information I did not feel comfortable giving because of the issue I am going through now. My FTC report number is XXXX.
Product: Debt collection

XXXX XXXX, XXXX I purchased a washer and dryer set and a king mattress set from Conn 's. The XXXX pymt was XXXX. For the first 11 months I made the pymts before the due date between the XXXX-XXXX of the month. XXXX XXXX, XXXX. I called to asked what is the pymt amount. This was a 12mos no finance deal so I was meticulous with my timely pymts. The agent told me and I gave them a check card number. The agent must of gotten a few numbers mixed because the monies was not taken from my acct. So I called back on the XXXX to find out why pymt was not taken and I had discovered the mistake on Conn 's end. So I gave the agent that day my card number again this time I had them to repeat the numbers back to me. I asked for a letter to be sent out that the matter was settle and I was told that I would receive this letter. XXXX an amount of {$2200.00} was withdrawn from my acct. However, I have never received a letter. My thoughts were ( I have my bank statements, confirmation numbers, and the original contract ) About XX/XX/XXXX I started getting calls from an unknown number. This number would call me every single day, holidays and weekends up to XXXX a day! XXXX XXXX I started keeping track of conversations with conn 's when I found out this is who was calling. I was shocked. I told them all that I said above the agent agreed that my acct should be closed and not sure why it is still open. I have these recording of my conversations with them. Which is about XXXX all recorded. The XXXX time I spoke with an agent they said that my acct was open for a {$25.00} late fee. I told them the above stated and not to call and harass me anymore. I have never received any correspondence from Conn 's until XX/XX/XXXX and if there is a spot to upload these letters I will. Last this company has reported me to the bureaus XXXX times and each time and the letters are MAJOR discrepancies. In less than 3 months and after I asked conn 's to stop harassing me they have called me a total of XXXX times! I have screenshots and recordings and all my records to support my claims. My thoughts besides that this company has shady business practices and behaves horribly is that they thought that they can extort monies out of me because this debt is over a year old and most people do n't have records. Newsflash and I am so proud to say that I have EVERY SINGLE DOCUMENT. LOL another thing Conn 's call from more than XXXX numbers also I 'm glad that my bank statements were too large to upload and the page froze. However you can see my log book where I keep acct of my bills note next to conn 's is the confirmation numbers.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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 XXXX  days before the payment due date. 

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  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: Checking or savings account

I use XXXX to trade stocks, yesterday I deposited {$400.00} and the broker said its available, but it in fact was not so I deposited another {$400.00} to see if it will fix the issue but it didnt. Today i tried again with a smaller amount ( {$200.00} ) hoping that it will go through, but of course it didnt. I filed a dispute with my bank and im going through standard procedure as of now, but they have previously denied claims that were less than {$100.00} for lack of evidence on my end which makes zero sense. Im worried I'm going to lose this {$1000.00} and Wells fargo will deny my claim. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I tried to unfreeze my credit report at Equifax. I could not log into my myEquifax account. They displayed a number to call. I called the number and gave the automated system my ssn, birthdate, and current address and phone number. They required further information from my Equifax credit report. I can not get to my credit report for that information without logging in! This is a catch-22 that has me seething with anger. I am trying to refinance my home and can't continue until the report is unfrozen. This is MY INFORMATION and I want it available to my lender. Equifax 's process is unconscionable. 

XXXX XXXX
Product: Mortgage

XXXX   XXXX   XXXX  provided me with a good faith extimate that did was grossly different from the final closing  XXXX / XXXX / 17 . The rate was increased mor e than .1 o f a percent and there was a fee of  XXXX   XXXX  dollars that was added in the last week when I could no longer extend the contract with the seller.
Product: Credit reporting or other personal consumer reports

I found out that I have an extended fraud alert on all three credit bureaus And Experian will not respond back to me. 

I urgently need all three credit bureaus available with no fraud alert, especially Experian As nobody seems to be able to get in touch.
Product: Credit reporting or other personal consumer reports

I obtained my XXXXExperian credit report online XXXX There was a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

The Bankruptcy Courts have given me a letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the U. S. Bankruptcy Courts confirmed XXXX XXXX XXXX has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Product: Credit reporting or other personal consumer reports

My Experian credit report contains inaccuracies that should have never been reported, and I find this completely unacceptable. These errors raise serious concerns about the reliability of your reporting process. The presence of such incorrect information is negatively impacting my financial stability, and I will not stand by while these mistakes go unaddressed. 

As a consumer, I have a legal right to a credit report free from false or unverifiable data. The FCRA mandates that all reported information be accurate, and any errors must be corrected immediately. I demand a full investigation and immediate corrective action. Any delay in resolving these issues will not be tolerated. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified inaccurate information on my TransUnion report that is a result of identity theft. These items are not related to any transactions completed by me : XXXXXXXX XXXX XXXX # XXXX {$20000.00} ; XXXX XXXX  # XXXX {$10000.00} ; XXXX XXXXXXXX XXXX # XXXX {$7400.00} ; and US DEPT OF ED/XXXX  # XXXX {$160000.00} I am requesting these items be permanently blocked and deleted. My request to block and delete these items are not made in error ; nor being made on the basis of a material misrepresentation of fact. TransUnion is required by law ( 15 U.S.C. 1681c-2 Block of information resulting from identity theft ) shall block the reporting of any information in the report and file of a consumer that the consumer identifies as information that resulted from and alleged identity theft, not later than 4 business days after receipt of such agency of -- 1-appropriate proof of the identity of consumer ; 2- a copy of the identity theft report ; 3- the identification of such information by the consumer ; and 4- a statement by the consumer that the information is not relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was found in my reports which I believe has been taken care of due to the written appeals I sent. The 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 account listed below is still reporting on my Credit Reports and need to delete immediately : WELLS FARGO XXXX Date Opened : XX/XX/18 Balance : : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new and updated information regarding previous disputes. Equifax has been and are continuing to be negligent with information on my consumer report and are not in compliance with the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, XXXX and Experian operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance {$8600.00} XXXX XXXX  Original Creditor Name : XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX  XXXX XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : 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 OF XXXX XXXX XXXX XXXX XXXX, XXXX OF XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX OF XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XX/XX/XXXX, XXXX XXXX  XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX PLUS XXXX XXXX : XXXX XXXX, XXXX OF XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX i deposited money. I requested to send a payment to friend for XXXX XXXX but an error occurred and said could not be completed at this time. Fine i would try later. However the XXXX $ wentkissing from my balance even though on my account history of activity no transaction exists to show that my money went anywhere, its just no longer included in my balance the XXXX XXXX I filed requests to chat they claim their recordshows the original payment i attenpted as confirmed and sent. I went to friend saw her history have images showing she has no account activity that added any money from any payment by me to her balance. She does not have my money, her balance proves that it then is missing XXXX $ they claim qas sent to her. But chat support refuses to admit even with proof.. that she diesnt have my XXXX XXXX Fine then i try dealing with them, i tell them no transaction exidys in my re ord. The fact they provide this record to me proves their system is having errors. I demand my money. A policy they have at end of all monthly statements statesthey will credit me my claim of missing amount so i can have access to my money while they investogate. They keep closing email cases opened with specialists, they trick tbeirsystem into allowing them to close out my cases by saying i havent responded in 3 dayys even though i did promptly reply to emails only sent to me that very day. Proof of that as well as prpof of history on both accounts involved and balances that prpve XXXX $ of mine is missing and nowhere to be accounyed for. Chats end abruptly they refuse to help called support hung up on like 3 times and emails get falsely closed by them reporting i didnt reply for 3 days when they just sent emailed that very day. I want my money.