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

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Subject : Treated in a discriminatory and disrespected manner at CHASE at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX regarding my accounts CHASE BRANCH : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Today, XXXX, XX/XX/year>, I requested a call from the CHASE Bank XXXX XXXX. I tried calling that branch at XXXX but was transferred to the call center. I spoke to a XXXX by the name of XXXX. He took my complaint and sent an email to her, XXXX XXXX regarding the grievances I experienced at her branch regarding being called inappropriate names and treated like a suspect, He gave me the reference number : XXXX XXXX XXXX I came into the CHASE branch today as XXXX, XX/XX/XXXX around XXXX on XXXX XXXX to update my appointment for tomorrow and hopefully speak with the Bank XXXX XXXX XXXX 

But she wasnt in. So, I went up to the front counter. XXXX assisted me, but she was down right accusatory towards. XXXX accused me of lying about having an appointment tomorrow. 








See attached email confirmation I received regarding my appointment and screenshots as well. But XXXX still implied I was being dishonest about that and demanded that she see my ID to update it. She wanted to take a picture of my ID. 

Why would she need to do that? Is that a part of CHASE policy? 

In addition, XXXX and another banker were badmouthing me behind the counter. They were also making fun of the way I was talking I have a speech impairment and its part of my XXXX. 

I was treated as a suspect today. The female staff in the lobby refused to address my concerns. She has always been rude and dismissive towards me. 

I was beyond disrespected today. They said that I had no right to complain. XXXX XXXX and came by the bus and I was denied services and accused of being dishonest. Plus, the staff was making fun of me behind the counter regarding my XXXX and badmouthing me overall. 

In addition, on XX/XX/year> around XXXX pm, XXXX, the female CHASE rep at the branch called me XXXX and XXXX never addressed it. Every time I asked to speak with XXXX, staff refused to pass on my concerns to her. 

I also feel that the staff is frustrated by the way I speak to due to my speech impairment. But today I was treated like a suspect. I'm XXXX and came by the bus. I left in tears. I also was bullied and intimidated by XXXX as well. 

See attached email I sent that XXXX XXXX XXXX XXXX XXXX XXXX See attached bank receipt dated XX/XX/year>. Thats the day that XXXX called me XXXX and XXXX refused to address it. 

I was denied services regarding my XXXX  and XXXX Account.
Product: Debt collection

In XX/XX/2019 I called check n go and asked to set up payment arrangements. I had gotten behind and want to get this paid off. He told me that he could not do that I would have to contact a collection agency but did not give me information. He then charged my account {$140.00}. I have had a guy call different work locations I do not work at and keep asking employees information about me even though he was told by the store manager to not call again and that we do not answer questions about employees all verification have A strict policy. He called from XXXX he then proceeds to call another location and same thing is advised to stop calling that I am not in these store no information would be given per policy. I then call his number to figure out what this is and it sends me straight to voice mail and says hang up do not leave message this is an investigation department. I tried texting number to stop contacting my references and work and that I do not know what this is about but to stop contacting them. He has called my employer and family saying if I do not call back immediately and provide a claim number he is on his way to my employer to serve me documents. Today is the first day I was given a valid number and even the name of the company Check N Go. It's  never been provided and I thought he was a scammer because I can not call him back but he keeps calling my work and family. Today I called a number that was left and I asked the lady to stop having people call my work and family that I can set up payments and she informed me I can only stop the calls to my job at locations, that I'm not even working at and my family is by paying over XXXX in full and that I am committing fraud by defaulting contract even though I've made plenty of payments and also tried to set up arrangements was told I can not then charged anyway. She said that it was my intent not to pay off balance and that she will not stop the harrassment unless I pay in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed accounts on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the accounts being reported on my Credit Report. But in my case, Experian has kept reporting the disputed accounts saying that the information they gave is precise, in which I seriously disagree. I am submitting this complaint to you today to request that Experian run me copies of documents bearing my signature to prove the status of the disputed accounts. If they unsuccessful to comply with the condition and continue the reporting of the disputed accounts, please realize I will pursue legal action. I need the accounts corrected XXXX : XXXX, XXXX. XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX, XXXX & XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX
Product: Credit card or prepaid card

I have an unused prepaid {$100.00} gift card from American Express, embossed with my name. Because of covid concerns, I did not eat out for 2 years. Then in 2022 when I tried to use my card, the merchant rejected it. I contacted American Express using the phone number on the back of the card, as well as the number that original number directed me to ( gift card division ). Both told me they have no record of the card. I WAS HOLDING IT IN MY HANDS!!. I went to addresses listed in XXXX to find a local branch in XXXX XXXX AND ALL WERE NON EXISTENT, despite being listed online. Wasted hours trying to find a live person. 

I wrote to corporate headquarters copies of the same detailed complaint to various members of their executive committee. Letters dated XX/XX/2022. One assistant - XXXX XXXX contacted me by email again saying the firm had no record of my card. XXXX  never returned a phone call. 
So I contacted his identified boss, XXXX XXXX, in a second letteer and again restated my case in writing that I had a pre paid card ( expired on its face ) but according to CA and NY law they can't expire. And told him his assistant blew me off by not returning a call to his boilerplate email of we are doing anything. 

American Express never identifies my complaint with an internal code number. So another self serving email by them ( after my second mailed letter ) is sent saying they don't have enough information. Yet with each correspondence sent by me I sent photos of the card, front and back and a photo of my holding it. 
AMERICAN EXPRESS IS STEALING FROM ME. THEY HAVE THE FUNDS FOR PURCHASE OF THE CARD, XXXX WON'T REFUND IT OR PROVIDE A WORKING CARD. Their boilerplate emails say they can't help me because they don't have information. They do. They have the card number ; they have photos. No one ever returns a call, despite offering their number on their emails. 
I BELIEVE THEY ARE VIOLATING FEDERAL LAW AS WELL AS CA AND NY LAW. 

I want the {$100.00} refunded to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$600.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
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. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Reporting of Medical Debt by XXXX XXXX Dear CFPB I hope this letter finds you well. I am writing to bring to your attention an issue I have encountered with my credit report concerning a medical debt reported by XXXX XXXX ( Account Number : XXXX ). 
All 3 Bureaus are reporting this account its my understanding that a law was passed and medical debt should not be reporting on a credit report.
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the prompt removal of fraudulent accounts from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission and also filed a Police Report on my local police department. 
The bank has accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent accounts, which have been mistakenly existing on my report for over XXXX years. 
But somehow, this fraudulent accounts are still existing in my report under your bureau and I'm curious what kind of confirmation process have you done. XXXX and XXXX credit bureaus no longer reporting these fraudulent accounts since the submission of the required documents. Additionally, I have reached out to the bank associated with the fraudulent accounts. 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate This is the ONLY personal information that should be reported on my credit report Please update my name to : XXXX XXXX XXXX update my address to : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX of Birth : XXXX SS # : XXXX Also, the only name and address that should be reported on my consumer profile are the ones listed above and in the documents attached to this letter. Again, anything else should be deleted ASAP from my credit file I know that you want proof of my personal information that is listed above so I decided to include this information in the letter to make it easy for you to delete the inaccurate information I also noticed the following accounts reporting inaccurately, there are quite a few of them, which left me a bit shocked and confused! I've listed the ones I saw below but there may be more as I continue to review my report. Mistakes such as these can cost me thousands of dollars in interest a year! 

Here are the items that I need to have fully verified as being 100 % accurate :
Product: Credit reporting or other personal consumer reports

The reporting company is using outdated information on XXXX XXXX  XXXX account XXXX. 
I am providing updated paperwork if the account where I am not a co-signer/co-buyer/guarantor. 
I signed paperwork as the authorizer of a company only.
Product: Bank account or service

I am a current XXXX and also in the Military and work XXXX jobs and go to school XXXX I have had several issues pertaining to USAA Bank and paying my creditors accurately, they process the payment and then the creditor can find the payment. For example onwed eve XXXX XXXX a payment was made to XXXX with a confirmation number and they see the payment attempt and yet the money is still not posted to the XXXX account. Now my XXXX services are delinquent and suspended. 
USAA Bank also has for the past 3 months paid the XXXX and taken the money back as well as XXXX water for the past 3 months when their is Sufficient Monies in my bank account forcing me to accrue banking fees each time with USAA Bank and the creditors. 
When I call USAA Bank they cant find the money and accused me of using an old card that was cut up months ago moreover I can not speak to a Supervisor until XXXX hours later. 
This is very frustrating and would deeply appreciate your help in resolving this matter.
Product: Mortgage

Wells Fargo Bank branch # XXXX XXXX located in XXXX, FL. took our check made out to Wells Fargo Home Mortage, and showing our correct loan number for our mortgage payment due XX/XX/19 on XX/XX/19 at their Drive-up window teller. They then sent out a receipt for transaction # XXXX XXXX, XXXX XXXX., XX/XX/19 Credited XX/XX/19 showing the correct amount paid. 
My husband looked at the very faintly printed receipt and checked to see if the amount paid was correct. It was the correct amt. so he pulled away out of the bank drive-up. 
On XX/XX/19 and again on XX/XX/19 we received a total of three Robo-calls listed on our caller I.D . as being from " Wells Fargo Ban '' and showing three different toll-free numbers. We thought these calls were from scammers spoofing a bank. We called Wells Fargo Bank and we were informed that we owed two mortgage payments and that the calls were from them. 
The receipt we had said our mortgage payment was credited as a " credit card '' pmt. to an acct. ending in XXXX and not to our loan number. We have NO credit card accts. with Wells Fargo so we believe that our mortgage pmt. was credited to a bogus acct. even though my bank statement shows our check ( drawn on a different bank ) was cashed by them on XX/XX/19. We are concerned that they have opened a bogus credit card account ( s ) to which they credited our payment. 
We have spoken to them about this but we are still concerned that we may have bogus accounts opened by them and that we were targeted for a mortgage foreclosure action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account with XXXX and Equifax twice due to concerns that I never had account with XXXX XXXX and they failed to verify this information with a signed contract. I have never received a bill or a contract that says that I need to pay this debt nor have I signed anything for agreed to anything regarding this account. 

To date XXXX has not been able to validate that this account is even mine. I have tried to dispute this account multiple times in hopes that they would comply with the Fair Credit Reporting Act and I have been unsuccessful in my requests for them to validate this account. 

I have also tried to dispute this account with Equifax and have been shoved to the side and not attended to. Equifax has not even replied to my dispute and request to validate this erroneous account.
Product: Credit card

Back in XXXX of XXXX  i made severall purchases with XXXX and home depot the home depot charge of {$180.00} is a duplicate charge i placed an order from.home depot and homecdepot cancalled it and statrd they would give me my money back which they never did i checked my statements and nothing was ever refunded. I have explianed this to applevcard severall times only to be told that the charge is vaild they are not listening to me. 2nd charge is from XXXX for {$240.00} i upload and submitted documents severall times showing i returned the merchandise to XXXX i dont know what the problem is with this order i uploaded the tracking number showiing this returned to amazon XXXX {$170.00} XXXX XXXX apple card states the merchant gave a refund but when i look at my statements it says merchant denied refund and it does not show up added to my statemt. I dont know what the isdue is i have explained this severall times to apple card but yet they dont listen.
Product: Mortgage

US Bank did not notify us that they were the new loan service for our mortgage note within the required 15 days prior to the effective date ( XXXX/XXXX/16 when payment is due ). Failure to notify us in in that time frame is non-compliance under RESPA as the following items were not disclosed to the consumer : 1. The effective date of the transfer, the date your current servicer will stop accepting payments and the date the new servicer will begin accepting them. 2. A statement that the transfer of servicing does not affect any term or condition of your mortgage documents other than the terms directly related to the servicing of the loan.
Product: Debt collection

Convergent company started calling my home regarding an energy debt, I explained to them that I do not pay energy bills where I reside, I have been a resident here for over 25 years, and our complex has its own power plant whereby energy bills are included in our monthly maintenance bills. On XX/XX/2023, I received a letter regarding the energy debt in the amount of {$200.00}, after receiving the bill I called and spoke with XXXX XXXX, she promised that she would take care of the issue and that I did not have to do anything, On XX/XX/2023, I called again to plead my case. I decided to apply for my credit report, and it's a good thing that I did, because Convergent is on my XXXX report. I decided to give Convergent one more chance to clear this up. On XX/XX/2023, I called Convergent again and spoke with XXXX XXXX, XXXX XXXX asked me if I received a fraud package in the mail from Convergent, I told her that I had not, XXXX XXXX said that is the only way they would remove me from the collection list. I ended the conversation. I am a XXXX XXXX, worked over 35 years in the city of XXXX XXXX, I pay bills that I incur, I do not borrow or owe anyone or company anything. I would appreciate it if this Convergent company would go away and leave me alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Citizen account was. erroneously reported to my credit report over {$6.00} past due. I called when the payment was due to get the past due amount so I can make a payment to avoid a 30 day report on my credit report. I was told I had to pay {$160.00} which I did. I woke up today to find that citizen pay reported my account XXXX  line of credit as past due by {$6.00}. This is not my mistake but it is a mistake by the customer service agent. I have been a sick and out of work and I have been doing whatever I can to avoid situations like this. As a result of this mistake my credit dropped by XXXX points. I put in several disputes to all three reporting agencies and citizen bank refuses To remove this erroneous and unjust information. Every month they report a different month that was past due they have ruined my credit over {$6.00}. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  sent my debt to a collection agency called Rushmore. I had an agreement of pay to delete and was sending all my money there. Rushmore eventually contacted me in 2021 to tell me that XXXX XXXX bought back the debt. They did not inform me of this and even though the account is paid in full they are reporting a charge off actively on my account. XXXX XXXX has not contacted me nor has validated the debt I requested within 30 days. They also removed my access to their banking system and made it hard for me to pay off this debt. Luckily I finally got in touch with someone after trying for a month to make the final payment, even though the debt was satisfied with Rushmore Service Center.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 outgoing wire transfer reference number XXXX XXXX XXXX in the amount of {$20000.00} I have put a stop on the transfer and said that it was a fraud so the money in the account was put on freeze and I was told it would go to the fraud department I tried contacting the fraud department numerous times and was told that the money was still being investigated I am still yet to receive the money back in my account I talked with the bank manager and was told that the money would be returned to my account
Product: Credit card

I 've been calling them for over a week to get information on my application status. They 're customer service department is rude and unprofessional. I had to have my issues taken all the way to the top level of customer service and no real effort to try to keep a dissatisfied customer happy was made. I was highly referred to Citibank by a longtime customer. I have n't asked for any type of monetary compensation for the hours I 've spent on the phone with them, nor am I looking for any. I 've asked for my account to be closed in a timely manner and my deposit to be refunded in a timely manner or my card to be overnighted. They were unwilling to fill either request.
Product: Money transfer, virtual currency, or money service

Complaint to Wise Payments Limited and XXXX XX/XX/23 I purchased a debit card from Wise and paid a fee of {$9.00} using my XXXX  credit card. XXXX charged additional transaction fee of {$10.00} for cash advancement and demanding interest payment for the amount. The product was not money order. It was a card that contains absolutely XXXX value. There was no indication extra fee at any process of the transaction. Both companies are refusing to refund or do anything about it. From a consumer stand point, this is confusing and not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not update my address. My address is XXXX XXXX XXXX XXXX, TX XXXX please update this. On second note equifax has not corrected the identity theft on my report. There is XXXX XXXX bank line of credits that are fraudulent XXXX limit {$XXXX} and XXXX limit {$XXXX} and additionally a fraudulent XXXX line of credit with a {$XXXX} limit I have not opened any accounts at XXXX, nor XXXX a thief has opened these as a result of identity theft. Lastly there is two inquiries I did not authorize XX/XX/2019 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Texas please block these fraudulent inquiries and accounts opened by a thief.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX granted me a deferment/ forbearance on my student loan for XX/XX/2020 but they also placed the late on my credit report.