23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX JP Chase Morgan gave many of their customers something they called a Govt Stimulus 30 Day Overdraft assistance. My exact amount on that day was XXXX. This is not something that was requested. when my stimulus check was deposited of XXXX my balance was brought to XXXX. Chase stated they wanted customers to be able to fully access their stimulus check for whatever they need it for. Not thinking that when they came back 30 days later to withdraw the assistance that they so called offered their customers would put them back where they started if not in a worst predicament. Now my account is XXXX overdrawn due to Chase so called assistance. The remaining of my money from my pay check was taken causing further overdraft fees on my account. Chase did refund some of the overdraft fees for the new overdraft on XX/XX/XXXX and XXXX of XXXX which wouldn't had to be done if they never took it upon their selves to come up with their own stimulus assistance. The government gave Americans the stimulus payment for assistance not for our banks to use it to make money off of our time of being in need. I like most live paycheck to paycheck. On XX/XX/XXXX I got a letter in the mail letting me know that the money would be withdrawn from my account which was dated for XX/XX/XXXX. I filed a corporate complaint. There was a voicemail left by a XXXX from the executive office. I returned her call and never heard anything back from her. XXXX left a phone number of XXXX ext XXXX
Product: Credit card

I received a bill from Chase in XXXX, XXXX, with a credit card obviously opened in my name. I called their fraud report line and reported the card was opened without my knowledge. The charges were in excess of {$14000.00}. I was informed the card was closed and an investigation was underway. I have filed an FTC report ( XX/XX/XXXX FTC : REF # XXXX ) as well as a local police report ( XX/XX/XXXX ) via XXXX XXXX VA. I have continued to receive bills from Chase and continue to call the company to let inform them that I was not involved in opening up the credit card. 

I received a follow-up from Chase dated XX/XX/XXXX stating that they have cofirmed the account is valid and was not opened based on a fraudulent application. 

I have forwarded the FTC report as well as the police report to the XXXX contact email that I was provided via my last phone call on XX/XX/XXXX. I have attached a copy of the police report.
Product: Credit card

I was in XXXX XXXX and had some problems. As a resault I had a couple disputes. Discover did not handle these desputes properly and as a result they failed to honor their warranties and my disputed requests. I still feel these charges are false and requested of Discover several times, that these items go to arbitration. They have not responded, it has been over a month. I have also requested a copy of the Cardmembers agreement. They have not provided that and it has been over 2 months..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$1000.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00} XXXX F XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Checking or savings account

I have a bill pay to my landlord of XXXX for my rent on XX/XX/XXXX. From capital one that was taking from my account but my landlord never received it. He semt me proof. His bank statement. So I call the bank and they say they will send me info on where the XXXX went. Still haven't received it and I have requested this 6 times as well as a mail documents to my home address. This has been going on long enough I am getting XXXX  in 10 days if this isn't resolved. Capital one can't and will not send me proof that this XXXX was deposited into his account. Which I know it was not he sent me his bank statement. Something funny going on here. I need answers now. I am going to call my legal advisor next. Thanks
Product: Credit card

Last month, my husband opened a new credit card account with Chase. Because it has a cash back reward feature, we have been using the card for all of our daily purchases and paying it off immediately as we go. Somehow, something in our use flagged as fraud with Chase, and triggered a call from the fraud department ( which is fine ). However, we found out about this not because Chase called *us, * but because they called my husband 's mother. We have no idea how her phone number came to be associated with this or any other Chase account we have ; we have been married for 4 years, she 's never been an authorized user on any account with them, and he did not give them her phone number as contact info when setting up the account. Nonetheless, when they reached her, they gave her ( a third party ) detailed information including the fact that we have an account with them, the type of card, and what the situation was. 

My husband is in his late XXXX, and we never authorized any information to be given in this manner to a third party.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant ty 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawf authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 


By obtaining my CREDIT BUREAU consumer report on DATES without my permission without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( " FCRA '' ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I have not initiated any transaction with The following companies please remove thes items IMMEDIATELY : LIST INQUIRIES FROM THIS SPECIFIC CREDIT BUREAU } XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pursuant to 15 U.S.C. 1681n ( a ), " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. '' By willfully violating the FCRA, I am willing to settle your civil liability damages have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter before tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days. receipt of this notice and demand, I will seek actual damages which are ( reater than {$1000.00}. 



Thank You
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Unauthorized accounts & inquires on my Credit report. According to the FCRA Any Unauthorized items on my report must be removed if not 100 % Accurate & Verifiable. Please Remove this From my report.
Product: Debt collection

I XXXX XXXX have hired a local attorney to help me restructure my personal and corporate debts without filing for bankruptcy. I am attaching a copy of the first cease and desist letter mailed out XX/XX/2018. A second cease and desist letter was mailed out two weeks later. However, my phone is still being flooded with text messages and calls from several creditors. Therefore, I want to end these calls and have the proper procedures followed in the process followed where my attorney will fulfill the final negotiations process. Some of these creditors are either assigning the collection process through a third party, and the cease and desist still follows to the third party in all exceptions based upon the Fair Debt Collection Practices Act. Accordingly, I am filing these complaints with the Consumer Financial Protection Bureau as a means of stopping all collection practices directly to me immediately. My only objective with these complaints is to cease all collection calls and text messages to me at my cell phone of place of business.
Product: Credit card or prepaid card

I was at XXXX XXXX XXXX XXXX and the address is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. I was in there for 2 months between XX/XX/XXXX in till XX/XX/XXXX for XXXX  XXXX. All my stuff got lost at hospital so I had to have a new debit card sent to me and I bank with XXXX  XXXX Account by XXXX. I opened this account in XXXX at Ace Cash Checking ( XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ). So the day I was discharged from hospital I called from the hospital to activate my new card and they red flagged me because I didn't call from my cell phone that was associated with my account because my cell phone was broke. So I had nothing on me and had to get my mother in law to buy me a train ticket and friend to buy me a new phone. Even when I called from my number associated they blocked my account. I answered all security questions correctly and they still wouldn't unblock my account. The train ticket was so I could get home to XXXX NC. I arrived home on XX/XX/XXXX and went to Ace Cash Checking to withdraw my money on XX/XX/XXXX. I was told they couldn't because of the block and I decided to close that account and open a new one and the manager XXXX at Ace told me to just close my account and they would send me a check. However I was told they could only send me a check through the mail even though I have a verified new account with them. Then after 3 weeks of waiting for my check I was informed they needed my birth certificate, social security card, and State ID. So I ordered a new birth certificate and all DMVS in NC are by appointment only. But I already had a photocopy of previous ID and social security card. So once I got my birth certificate on XX/XX/XXXX I sent them an email with these XXXX things and they said they need an ID that is active but I have everything else and even a new account with them but they refuse to release my money which is in the amount of {$2600.00}. So I am asking for help in getting my money.
Product: Credit card

I had a credit card with Banco Santander XXXX XXXX which I did n't use for many years, so the balance was XXXX. They collect an annual charge of {$45.00} and maybe that 's ok. but suddenly they started to charge late fees and other fees up to {$90.00} I tried to negotiate with them opening a claim but they declined turn down and charge off the account for just {$90.00}. Practices like that are really abusive.
Product: Mortgage

I have asked the company to apply the restricted escrow amount to the loan principal amount and recast my loan in XX/XX/2023. The company has sent me an agreement and I paid {$300.00} that they asked and the process went into a black hole since then with a different response from agents whenever I called. I talked to 10s of agents and supervisors to get the amount applied to the principal. Eventually, I learnt that this process is simple and the company has to do an exception process which will take a week from XXXX XXXXXXXX around XX/XX/XXXX and the amount was applied on XX/XX/XXXX. But it took many months and calls to get this accomplished. 

In the meantime I paid more than {$8000.00} in interest ( $ XXXX every month ) and I expect the company to refund this as the interest accumulation is completely due to the process delays and incompetencies. 

While my interest payments and refund was included in my previous complaint, the company conveniently closed the case by applying the escrow amount to pricipal and no mention of the interest payments that I have been making due to process breakdown on their end
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to tal timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I added my daughter number to my account because I work overseas and the bank wont accept my XXXX #. The bank accepted my daughter number now they saying they cant get into my account because they cant complete verification of the phone number if its not in my name. Then they said the only other option to verify my account is a letter. I explained to them I work overseas and I am home on vacation. Plus the account I was trying to transfer my money into I never received the card to that account. So I dont believe the letter verification is an accurate policy. Mail is easy to steal and mix up. They did not try and help me. No im on my vacation completely broke.
Product: Debt collection

In XXXX of XXXX someone used my name to apply for an apartment in XXXX. The application was denied based on the debit/credit card information the applicant used when applying for the apartment being declined. On XX/XX/XXXX I was informed that I now have derogatory marks with all credit bureau for this matter. Although, I never applied for the apartment. I have never lived in XXXX. I currently live in XXXX  and was living in Nevada when the individual applied for this apartment. My credit has been impacted by something I am not responsible for. I have been informed I have to file a police report and have to submit several documents to Columbia Debt Recovery before they can remove the collections off of my credit. I will be going to the police department today to file the police report and submit all documents they have requested from me to have this cleared and removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well I called transunion and I called XXXX could not speak with anyone at XXXX for some odd reason but I submitted disputes and everything and the information is still on my credit report that is not correct and that is being double reported that is not correct to begin with
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, XXXX XXXX has a paid collection that appears on my credit report. I have tried to get this account removed several times and I can't understand why the company has all this power to damange my credit and I have no power to correct it? Why is their word superior to mine? I paid this account before it was a collection ... yet it still shows on my report as a paid collection and that is not right! Why can't I get this fixed?
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX credit card loan and balance on my credit report that is not me. I filed a report With XXXX and equifax for fraud and identity theft. I contacted XXXX on XX/XX/2022. I contacted equifax a few days later and they froze my credit report and social security number. I contacted XXXX XXXX on XX/XX/2022 and they deactivated my credit card. The credit card loan balance is {$14000.00} and it is not from me. There is an address on file for my credit report that is not me. The address is from XXXX XXXX and it is not one of my addresses.
Product: Debt collection

The company is reporting fraudulent inaccurate information on my credit report. I requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts appearing on my credit report, and I have no idea how they got there. I routinely check my report, but this time, I noticed unexpected discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Given this situation, I request a thorough review of the documents I have submitted so that I no longer have to worry about this issue.
Product: Credit reporting

I sent several dispute letters regarding several accounts that are being reported inaccurately with late payments even though I pay everything on time. I sent letters to the bureaus XXXX, Equifax , and XXXX. They have written back to me several times promising that they have done research and have fixed the reporting. However, there are no actual changes in the report. This has been going on for several months and they seem to be ignoring the mistakes. They have not provided me with any documents proving these late payments are accurate. Please make sure they delete the status immediately on the following accounts : XXXX XXXX XXXX account- # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX and account # XXXX, XXXX XXXX account XXXX XXXX and account # XXXXThere is also XXXX account which all three bureaus must have realized the late payments were incorrect and deleted it. However, XXXX suddenly started reporting the late payments again. This account is : XXXX- account # XXXX
Product: Mortgage

My Mortgage was transferred to Seterus fromXXXX Mortgage in XX/XX/XXXX in XX/XX/XXXX we applied with Seterus for a loan modification because we could not afford our mortgage payments I was unemployed for XXXX years from XX/XX/XXXX-XX/XX/XXXX When we applied for our fist modification with Seterus. We submitted documents that were required every 30 days. We needed to update our documentations because our documents had expired. We made 3 months of trial payments and we thought that the modification would be permanent we did not receive any documentation for the new modification and after 9 months Seterus told me that I need to reapply and start the process all over again They did not know what happened to our paperwork. During this time, our mortgage was in a past due status and foreclosure proceeding continue. We receive court documents that our house was in foreclosure and we were served with papers from New York state courts. Principal and interest continued to be added to the account. This was going on when we thought we had been accepted for a modification.
Product: Mortgage

You never reported my account to the credit bureaus? Why? Also it is showing on my account that I was late 60 to 90+ days which is not supposed to be the case. On XX/XX/2020 you did approved my account for a forbearance from XX/XX/2020 to XX/XX/2020, then in XXXX you agreed to a deferral of half of my balance to the back of the loan. So per our agreement, you were never supposed to report my account late or mark it as late. I'm asking you to report my account correctly to the credit bureaus as well as in your system. Otherwise I will file a complaint with the consumer finance bureau regarding reporting me late when according to our forbearance agreement, I followed all the rules to avoid being reported as late. I need an answer asap. 

Thank you
Product: Checking or savings account

On XX/XX/2022 I called the SYNOVUS BANK and told them they needed to transfer the money in my account to another account, both accounts are the same bank, but the bank told me that there was no money in my account, but actually I have {$8600.00} in my account and this call took 1 hour and 20 minutes, 3 transfers, 3 different agents, each of whom asked for my information, it was unbelievable, I put my money in this bank for 5 years and they actually told me that my money is gone, although my English is not good, one of the service staff is not willing to slow down her speech, what should I do.
Product: Money transfer, virtual currency, or money service

Due to Crypto.coms incompetence and inefficiency and ability to run their platform to the public as promised, my access to my own money is not available and I was not able to do business because of this and they cost me {$3000.00} in addition to the {$4100.00} which is mine to begin with for a total of {$7100.00} .I keep contacting them, and they keep giving me excuses as to why I cant have access to my own money and prevented me from doing business. Now I am at a loss because they can not do their jobs and make their platform work as promised to the public.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following fraudulent accounts are on my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX A {$240.00} XXXX XXXX XXXX XXXX {$380.00} Account number XXXX ( no name provided ) {$120.00} I have been trying to get this resolved since last year with no luck. please help
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XXXX XXXX, and noticed some things are incomplete and not accurate. According to the FAIR CREDIT REPORTING ACT, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates. These accounts [ XXXX XXXX - Account # XXXX ], [ XXXX XXXX - Account # XXXX ], [ XXXX - Account # XXXX ], [ XXXX - Account # XXXX ], [ XXXX XXXX- Account # XXXX ], [ XXXX - Account # XXXX ] [ XXXX  XXXX - Account # XXXX ], [ XXXX- Account # XXXX ], are not complete and accurate, and also showing up on my report as negative items and I would like for them to be deleted and removed from my credit report immediately. According to 15 USC 1681s - 2, 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. According to 15 USC 1681e ( b ), the open date, /date last active is not accurate. - DELETE ACCOUNT IMMEDIATELY FOR VIOLATION OF 15 USC 1681s - 15 USC 1681e ( b )
Product: Checking or savings account

I have sent in a written request to close my XXXX account XXXX. The signed letter went USPS tracking # XXXX. They refuse to close without a visit to the branch.
Product: Credit reporting

fcra clearly s says 7 years in general negative items must be remove to clear up my report thanx XXXX has not been clear off my report thank you