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

( Related to FTC # XXXX where Chase blocked COMPLAINTANTs access to XXXX XXXX  and XXXX XXXX & FTC # XXXX where Chase employees kept going further and changing the way in which COMPLAINANTs account is unlocked & XXXX-XXXX-XXXX  # XXXX # XXXX on XXXX, XXXX on XX/XX/XXXX & FTC # XXXX on XXXX ). On XXXX around XXXX XXXX  at " XXXX - XXXX  '' gas pump # 1 failed to process Chase Credit Card until COMPLAINTANT started recording the footage as he went to gas pump # 3. There seems to no wrongdoing perpetrated by the employees at the premise. COMPLAINTANT has let the employee know that XXXX XXXX backend system and Chase could be at fault for causing this issue. Only second attempt was met with notification from Chase out of 2 attempts. At a different merchant, Chase has failed to successfully process payment from " XXXX XXXX  - XXXX XXXX, CA. '' Chase denies any wrongdoing and directs fault at XXXX XXXX  for sending wrong billing zipcode/address to Chase to be processed, despite successfully having been added beforehand with correct information. COMPLAINTANT notes that a different merchant has processed payment from XXXX XXXX  XXXX around XXXX XXXX. Chase was struggling to " activate '' the mobile feature of the card before having XXXX XXXX  add it to its system. On a different note, In/About XXXX, COMPLAINTANT has changed his billing and mailing address with Chase as well as email address. On XXXX, COMPLAINTANT has initiated and completed several XXXX transfers. Around XXXX XXXX   PST, Chase has tried to contact the COMPLAINTANT for possible fraud attempt on his account. Due to more than average or normal transfers initiated, COMPLAINTANT acknowledges the security measures taken by Chase. However, the employees over the phone insisted that COMPLAINTANT contact local branch banker and have her/him contact the call center. Another sudden shift of procedures made by Chase employees. Around XXXX XXXX PST, a different manager has answered the call and insisted that COMPLAINTANT visit his local branch/banker for authentication. When asked whether receiving and verifiying the call promptly from earlier representative, who flagged the account, would have prevented the lock, the manager was unable to give a concrete answer. Chase manager is unable to comment on whether different employees can make subjective conclusions in requiring extra arbitrary measures to authenticate user accounts. Over a course of a year, Chase has been arbitrary in applying measures to unlock COMPLAINTANT 's account, ranging from ( 1 )  using debit card as SMS/Text authentication was unavailable due to COMPLAINTANT 's mobile carrier information not matching the information on " mobile public records '' Chase queries from, ( 2 ) Visiting a local branch with ID, ( 3 ) call back its supervisory customer service line, and to ( 4 ) Calling a local branch banker to have him/her call Chase 's main customer service line.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Transunion Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX Please remove it from my credit report. 


Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Good Morning to all parties involved, According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with [ XXXX XXXX XXXX for the month of XX/XX/2023 ] to be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Product: Checking or savings account

BBVA compass bank closed the account. I have an account with compass bank and they closed with no explanation. I went to the branch and the branch manager as well as I never got an answer from the back office why the account was blocked. We spoke with the security department. Every one keeps passing it over to the next person. XXXX XXXX the manager would never take the call. XXXX XXXX kept lying and passing the ball off and XXXX XXXX put the block on but would never give a reason why there was a block. I spent 2 hours at the branch. The branch was real nice. They couldn't get any answers as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, This account was charged off XX/XX/XXXX. It is to my understanding that a charged off account should not include an active payment history. This manipulates the date of last activity. 

The credit bureaus allow XXXX XXXX to update every month with changes the Date of Last Activity. This account shows 47 late payments which is incorrect. I have reached out serval times for reinvestigation and each time I was failed. 

Please delete this account. 

Best regards,
Product: Checking or savings account

I opened an online savings account with HSBC. They advertised a promotional rate. I did not receive this rate. After many calls -- and hours on the phone -- to call centers answering in XXXX and the XXXX -- nobody returning my calls when messages were left -- and many excuses by HSBC including blaming the customer ( i.e. the terms and conditions weren't met ) ... HSBC finally corrected the interest after I filed a complaint with the CFPB. It turned out it was an internal error at HSBC that the account was keyed wrong when it opened. Nobody at HSBC ever apologized for the run-around. Then, after withdrawing all of my funds leaving a zero balance, on XX/XX/2018, I attempted to close the account for my own safety. HSBC refused to close the account because of an address change, that would take many days to process. An address change should not take days to process and should not be an obstacle to closing an account.
Product: Mortgage

My property is being foreclosed on XX/XX/2016 without appropriate notification. Th representative does not know at nation star mortgage what happens at a foreclosure sale date was not able to provide sufficient answer the only I found out was by a foreclosure preventive attorney who sent me the notice of sale date attached. I have ill mother at home they sent XXXX field office officer who banged at the door so hard my mother was scared did not open the door they left a notice at the door stating mortgage holder will have the property winterized. This is harassment not a process. I declined the modification because the monthly payment was too much. The resolution I require is appropriate notification of sales date, if possible why cant the mortgage company work with current housing market value instead of a loan balance of XXXX the house is only worth XXXX please take this complaint to a escalated level I am harassed by nation star Mortgage
Product: Mortgage

During a kitchen remodel of my home which I purchased in 2000 a slow leak was discovered. The insurance adjuster came and saw the damage and submitted a check for XXXX. The mortgage company said they would apply that to my monthly payment and I was to use my regular monthly payment for materials and to pay the contractor. They did not uphold their end and my mortgage was delinquent. Later m they tried placing me in a loan modification program. It was back and forth with a document missing or lost in a fax stack, so the process had to start again. This continued for XXXX more times, until my home was auctioned without me having ant prior notice.
Product: Bank account or service

I sold an item on eBay for {$1600.00} and the buyer paid with PayPal and the funds were deposited into my PayPal account. The buyer personally picked the item up and took it home. On XXXX XXXX, the buyer then filed a claim with eBay and the {$1600.00} was taken out of my PayPal deposit account without my consent. I contacted eBay and they ruled in my favor and advised me the PayPal funds were returned. The funds were returned because the buyer made complaint about the item when picking it up and he made no effort to return the item. On XXXX XXXX the buyer filed a dispute with PayPal ( even though eBay had already ruled on this matter ) and PayPal again took the funds out of my account. PayPal did not notify me this was being done via email, phone or letter. I was not aware of this issue until XXXX/XXXX/15 when I logged into my PayPal account and saw the transaction and my account in the negative. There was a note from PayPal on my account demanded I fund the negative with my other bank account or credit card. I contacted PayPal and they claimed they tried to email me XXXX times before ruling in the buyer 's favor. I show no record of any contact attempt, although I had received other email from PayPal. They told me it was my fault for not logging into the PayPal system and checking on my account. I appealed the decision and they rejected my appeal. The buyer has now received a refund and has the {$1700.00} item and my account is running a negative balance even though I was told the dispute was settled in my favor and all funds were returned to my account on XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$500.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial is reporting an account against me that they fail to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The account has late payments being recored against me in Metro 2 in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification of missed payments. Ally Financial wont send any documents, bearing my signature, showing that I have had late payments that follow the rules of Metro 2 and compliance of reporting late payments.. XXXX  and XXXX  have already removed this account from my credit for Violations against the Fair Credit Reporting Act. Ally Financial also didnt furnish the credit bureaus with the required disclosure, within the period required by law. They are required by law to place a notice of dispute on my account within 30 days of my dispute, which you signed for XX/XX/XXXX. I have retained a copy of their signature and date of receipt, as well as time stamps of my credit reports showing that you violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act 807 ( 8 ) by not placing the disclosure within the required 30 day period. Im requesting Ally Financial delete this account off of my credit reports for good for violations against the Fair Set Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan from XXXX XXXX XXXX and was approved. Spoke to representative to help me get through the process, but something unfamiliar was brought up. I was told that I have a Mortgage with Citi Mortgage that was opened in XXXX. This was brought up because they pulled my XXXX Credit Report. I am confused as to how this happened. I have never opened up a mortgage. At the time I was only XXXX XXXX years old. I have lived at my address since the year of XXXX and at that time I just recently graduated from XXXX XXXX. Please help me dispute this.
Product: Credit reporting or other personal consumer reports

Credit score was lowered XXXX points from Trans Union despite having consistent on time payments, and no negative remarks. This is the 3rd complaint seeing how CFPB closed the complaint with no resolution. All my documents are attached to resolve the situation for proof. There is absolutely no excuse to close this complaint with no resolution only to reply stating " we need clarification of the dispute. '' I attached documents, that's all the clarification they need! If my credit score is not restored after this attempt, I will be hiring a consumer protection attorney.
Product: Mortgage

I'm again having some issues with Citizens. In XX/XX/XXXX, my account was charged with the amount of XXXX that was deducted for XXXX XXXX, and my escrow went negative. I just received a letter that I owe money for the escrow, and that the premium will go up starting from XX/XX/XXXX, which is completely wrong as I already paid for the full year of insurance. How is that possible? What was the XXXX charge for?
Product: Checking or savings account

Received a " welcome '' package from  Wells Fargo - here 's your information on your new account, complete with account number, debit card, application with personal data. The info states that by taking any action, including an inquiry, the account is deemed active. Tried calling Wells Fargo about this but they would not speak with us without an account number. We did not give ac count number and they hung up on us. Today, we received the PIN for the debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company did not inform me in a timely manner, approximately 1 month after discovery, that my personal information within their databases had been comprised. Thus giving me less time to take measures to protect myself from identity theft. My credit report data should have been stored and encrypted properly so no one outside of Equifax 's organization could read the data and this was not done. Now because of this breach my information can be used now or even many years into the future to facilitate identity theft.
Product: Checking or savings account

On XX/XX/22, I called the telephone number on the back of my debit card. It was brought to my attention I have auto pay setup from my checking account to pay my Wells Fargo credit card, however, a supervisor indicated there is an exception to my autopay. In the event my credit card balance is less than XXXX, autopay will not work and I would have to manually make payment. This defeats the purpose of autopay. I want auto pay setup to cover any and all minimum payments to my credit card regardless of the credit card balance. This is an unfair business practice. I am considering filing a legal action against Wells Fargo. I am maintaining a careful record of my communications with you for the purposes of filing a complaint with my Attorney Generals office, Office of the Comptroller and FTC and FDIC, should you not resolve this issue.
Product: Payday loan, title loan, personal loan, or advance loan

I am filing a comp with Acima, they have deceived their consumers by misrepresenting the the Truth and Lending Act. They have failed to provide me with a return policy, and they are forcing a pay off for 90 days when the original Contract was set up for XXXX year. The amout of interest and fees that's accumulating is insane. I did the transaction online and they never gave me a hard copy of the written contract either.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequete customer service and unfair practices, which violate the Consumer Financial Protection Act. ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and 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 Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations.
Product: Credit card or prepaid card

Chase Sapphire Reserve Credit card fraud detected on card in XX/XX/XXXX for various charges, including one for 'XXXX ' of {$19.00}. Credit card was closed and new card was issued. Fraud charges in XXXX were confirmed fraudulent, no issues. A few months later fraud charges start again on the new card for 'XXXX ' and XXXXXXXXXXXX  ', and appear to be a reoccurring charge by those websites. I have never had an account or purchased any goods or services from either site, however, those charges at the end of XXXX, and into early XXXX continued without my knowledge or consent. I have now learned that Chase will allow charges to a closed account if it falls within a certain timeframe for reoccurring charges, and is communicating the new card info to the service making the charge ( perpetuating charges from a fraudulent service ). This is marketed as a feature to help ease transition to a new card, but in fact it enables fraudsters to take advantage of this 'feature ', now at my expense. Several charges from XXXX hit in the month of XX/XX/XXXX, which then caught my eye when reviewing the account, and I reported the fraud, including the backdated fraud charges. Card was cancelled, new card was issued in XX/XX/XXXX, and fraud charges were removed from my account. The chase fraud department sent a letter in XX/XX/XXXX that I received a benefit from all of these transactions, that I was liable for them because of that, and all charges were readded to my account. Several attempts to contact Chase Fraud dept. have failed, no response, and customer service reps are unable to action anything as the Fraud dept owns this. Chase is falsely advertising the CSR card benefit of 'Zero Liability Protection '.
Product: Credit card or prepaid card

I accidentally made an online bill payment to my GM Card ( Goldman Sachs Bank USA ) for {$6300.00}. This payment should have been to another credit card I use frequently. When I recognized the error I call on XX/XX/XXXX and spoke to a rep who said they would send a refund check. I should receive it in 14 days. I never received the check to my knowledge OR I accidentally threw it away. In either case I never cashed it. I have called MULTIPLE times. No one can help. I am on hold one hour at a time. Many incident reports are opend. No one ever calls. I received a letter dated XX/XX/XXXX that the case has been resolved correctly. I immediately called spoke to a rep in disputes who said another check would be cut and sent and received in 5 business days. When it didn't come I called again and was told they don't know what to do. It was suggested they create another incident report. When I said please no they said they would create a L2 report (? ) and someone would contact me. Please help. I just need someone to see the check wasn't cashed stop payment on the old and issue a new one. No one at GM can help. I don't know what to do.