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

THIS INVOLVES JP MORGAN CHASE BRANCH IN XXXX, XXXX. OUR BUSINESS ACCOUNT IN THE NAME OF XXXXXXXX XXXX XXXXXXXX, XXXX. WHICH HAS BEEN OPEN FOR XXXX  YEARS WAS SUDDENLY FROZEN WHICH CAUSED PAYROLL CHECKS AND SUPPLIER CHECKS TO BE RETURNED. 
THE EXPLANATION WE WERE GIVEN WAS THAT CHASE NEEDED THE DRIVERS LICENSE AND SOCIAL SECURITY CARD OF XXXX ON OUR INACTIVE OWNERS. WE TOLD THEM THAT HE COULD PROVIDE THE DRIVERS LICENSE BUT THE OWNER WHO IS XXXX YEARS OLD NO LONGER HAD A SOCIAL SECURITY CARD BECAUSE IT WAS IN HIS WALLET WHICH WAS STOLEN SEVERAL YEARS AGO. WE ASKED IF ANOTHER FORM OF ID COULD BE USED INSTEAD AND WE WERE TOLD THAT THEY WOULD LOOK INTO IT. WE NEVER HEARD BACK AND OUR ACCOUNT WAS FROZEN ON XX/XX/XXXX CAUSING HARDSHIP TO OUR EMPLOYEES AND AS WELL AS OUR REPUTATION WITH SUPPLIERS WHOSE CHECKS WERE RETURNED. WHEN WE TRIED TO WORK WITH THE BRANCH MANAGER EXPLAINING THAT OUR BUSINESS WAS AT RISK, SHE SIMPLY STATED THEY NEED THE SOCIAL SECURITY CARD AND NO OTHER DOCUMENT WOULD WORK AND THAT A NEW CARD COULD BE APPLIED AND WOULD BE AVAILABLE WITHIN A COUPLE OF WEEKS. WE EVEN HAD OUR ATTORNEY GET ON THE PHONE AND STATE THAT A NOTARIZED AFFIDAVIT COULD BE PROVIDED THAT WOULD ATTEST TO THIS OWNERS SOCIAL SECURITY NUMBER OR ANY OTHER DOCUMENT ( IE TAX RETURN ). THE BRANCH MANAGER SAID NO THAT YOUR ACCOUNT REMAINS FROZEN. AT GREAT EXPENSE AND EMBARRASSMENT WE HAD TO FIND A NEW BANK AND NOW START TO ESTABLISH A NEW RELATIONSHIP AFTER XXXX  YEARS WITH CHASE. 
THANK YOU
Product: Credit card

I have a Capital One credit card for 2 years and I was told that I will be eligible for a unsecured credit card and credit line increase after 6 months of on time payment history. I have done that for 2 years and I haven't received anything. I feel like I am being XXXXXXXX XXXX against because there isn't any other factors that could make Capital One deny me credit. Then they send me offers just to deny me and say please apply at a later date. My credit score was XXXX and I was still denied a increase. This is my oldest account so I feel stuck and I think they know this. So could you please investigate this matter for me. Thanks.
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. 

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  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On the afternoon of XX/XX/19, I attempted to transfer {$300.00} through the XXXX XXXX XXXX XXXX. The funds were to be sent were to be withdrawn from First Midwest Bank. When attempting to submit the transfer to a third party recipient, I received an error message from XXXX that transaction failed and that I could try again to submit the transaction. In the past, I had received this same error message and was able to complete the transfer. Due to my past experience with this type of failed transaction, I attempted 3 additional times within a span of 2 hours. 

I never received a notification from XXXX that any of the transaction ( s ) were successful. The next morning when I went into my online bank account application there were 4 transaction of {$300.00} each that had been deducted from my bank account. I then checked with the 3rd party intended recipient and they had not received any of the funds or had received a notification from XXXX that there was a pending deposit ready for them. 

I attempted to Contact XXXX on XX/XX/19 and was only given computer automated responses. However, after many attempts over several days I was informed that the XXXX company was only a transfer service and that the transaction is actually bank to bank transfers. On one of the calls to XXXX, XXXX verified that all 4 transactions failed. XXXX said that if money was not accepted it would be returned to the sending bank after 14 calendar days. 

During the same timeframe I had been attempting to contact XXXX, I was in contact with an associate, XXXX from XXXX XXXX XXXX XXXX XXXX to see what could be done from their side. Assuming the worst and worrying that there was some sort of fraudulent activity being done through XXXX, the bank destroyed the debit card and provided me with a new debit card. I was instructed to fill out a formal dispute to determine the error and the disputed POS transactions. It was determined that there was no error on their part and since I admittedly authorized the transaction with XXXX. However, when authorizing the transactions with XXXX, I was under the assumption that no money was being removed from my account when the transactions had failed each time. 

It seems that neither party wants to assume any responsibility for this issue as they are both pointing fingers at each other. In the meantime I am wondering where this {$1200.00} is and why it has not been returned to me.
Product: Debt collection

Dear Collector : My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to request and receive validation of the debt. Therefore, provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 

3 ) Documentation that shows I agreed to pay this debt. 

4 ) The Agreement that grants you authority to collect on this alleged debt. 

5 ) A copy of your state license, including license number. 

As stated above, send me all five items, which are my right to receive. Contact me through the United States Postal Service only. 

Sincerely,
Product: Credit card or prepaid card

Original complaint XXXX They did not answer my demand. Simply stated that they respectfully decline to adhere to federal laws. 
I, XXXX XXXX, a federally protected consumer am giving written notice to obligor ( LOWE 'S SYNCHRONY BANK ) 15 USC 1692A ( 3 ) consumer-any natural person obligated OR allegedly obligated to pay any debt 18 USC 8 All debt public and private ( including alleged debt from creditor LOWE 'S SYNCHRONY BANK ) are the obligation of the United States XXXX Stating that the card agreement trumps federal law is a violation-you are not above the law. 

15 USC 1692j-Creditor furnishing deceptive forms It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief to collect a debt 15 USC 1666-It is my belief that this statement contains a billing error. I have attached a statement that contains an alleged debt. 
15 USC 1666d- Treatment of credit balances As a federally protected consumer, Lowe 's is in violation of my rights. My current balance is over {$1.00}, and I demand the amount be refund any part of the amount of the remaining credit balance, upon request of the consumer ( XXXX XXXX ) ; To be more specific : 15 USC 1666d Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( XXXX ) transmittal of funds to a creditor in excess of the total balance due on an account, ( XXXX ) rebates of unearned finance charges or insurance premiums, or ( XXXX ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than XXXX months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. 

Demanding a refund of {$8100.00} to my account ending in XXXX 15 USC 1666 ( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( XXXX ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}. 

Attached is my identification, this stands during any and all correspondence. 

XXXX XXXX was the contact that was provided in the previous complaint. 
XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX. XXXX XX/XX/2006 ) The employees of a debt collector who are engaged in allegedly unlawful misconduct and the collection agency itself are jointly and severely liable for the federal law violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a account on my credit files this account is fraudulent never opened with this company someone obtained my complete identity stole mail out of my old mailing address mailbox changed questions on my credit file and more
Product: Money transfer, virtual currency, or money service

XXXX never knew i had this until i see this on my email someone stole my id dont have the card
Product: Mortgage

It started when we had a new roof put on the in the spring after a storm and summer of XXXX.When done in the fall I went to XXXX, we got the info before they did. Theysent us a letter they cancelled us because of the roof, we have until XXXX of 2018. We were hoping to go with travellers since our vehicles were with them.They sent a person nto inspect, we, we made the necessary adjustments and were turned down. I kept calling until until I couldfind one, we did, we let Bank of America know.  We found out they were double chargingus for homeowners insurance and still are. We kept making our payments every month. We even filled out a form about our income since we are retired. They saidthey never received it. In XXXX I called XXXX XXXX homeowners insurance and we were approved. I call themortage company letting them know the change. The person said are you with travellers and I said no and apparently they thought we were. A month later a letter came from from Bank of America saying you are doing a modification with XXXX XXXX and XXXX no choice. We told them no and the reason why. Then in XX/XX/XXXX.we were sold to this debt collector was taking over we said no. We are making all payments to Bank of America to their payment centers. We told this agencey do not call. They have been making robo calls. We have a lawyer working on this situation for us. We signed a letter for Bank of America, no signed contract with the other agency. We owe less than what our house is worth.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter concerning my personal information and its exposure during the Equifax data breach. My data was compromised as a result of this incident, and I have since experienced identity theft that has adversely affected my credit report. 

Although Equifax has acknowledged their mistakes and provided a settlement in court, I am still facing issues with XXXX accounts that remain on my credit report. These accounts are a direct result of the identity theft linked to the breach, and I believe they should be removed in accordance with the settlement agreement and the protections afforded to consumers under the Fair Credit Reporting Act. 

I am attaching my identification, proof of address, ftc complaint. My engagement number proving my information was leaked and I was settled with in court is : XXXX
Product: Debt collection

I got a letter from afni collections wanting XXXX dollars from me for an accident that happened last year and are threatening to suspend my drivers license if I dont pay them said amount they said they could do an installment plan for XXXX this was at the end of XXXX and said it had to be paid by the XXXX or they will suspend my license they have threatened me on the phone and are very rude I have written them a certified letter asking them to validate the claim and what I owe by 30 days and how I owe that debt I had a letter from them but it got destroyed in a house fire that happen recently where they stated that they would suspend my drivers license
Product: Credit reporting, credit repair services, or other personal consumer reports

Confirmation No. XXXX I am filing this complaint because Equifax has ignored my request to be provided with the documents that their company has on file that was used to verify the accounts I disputed. Being that it has been 60+ days, far beyond the 30 days permissible by law and they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have made a request of them to investigate. Please resolve this matter as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU CONTINUE TO ALLOW XXXX XXXX TO REPORT INACCURATE INFORMATION XXXX AND XXXX DELETE XXXX XXXX FOR VERIFYING INACCURATE INFORMATION YET YOU STILL ALLOW THEM TO DO IT IN MY LAST DISPUTE YOU WERE SENT A LETTER WITH THE DATE THIS ACCOUNT WAS SOLD COPY ENCLOSED YET YOU DON'T CARE XXXX XXXX SOLD THIS ACCOUNT ON XX/XX/2017 WHY ARE YOU LETTING THEM REPORT ME FAIL TO PAY IN XX/XX/2017 1 MONTH AFTER THEY SOLD THE ACCOUNT THEY CLAIM THAT I FAIL TO PAY THEM THAT MONTH IN XX/XX/XXXX HOW MANY MORE TIMES DO THEY HAVE TO REPORT INACCURATE BEFORE YOU DELETE THIS TRADE LINE?
Product: Checking or savings account

I sold some furniture to an unknown person. I received a check for XXXX by mail from this person and deposited at my Bank of America account on XX/XX/year>, by app. The person told me to take the cost of the furniture and send the rest via a postal check to someone else. I waited 3 business day to see if the check was credited. I called BofA on XX/XX/XXXX at XXXX XXXX  and after waiting more than 20 min a lady answered. I asked her if there were a possibility that that check would be returned, she assured me that there was no way that could happen taking into account the time after the deposit. 
I followed the buyers ' instructions and sent {$1600.00} in postal checks on XX/XX/XXXX to a person. 
Yesterday, to mi surprise, the deposited check was returned and I lost {$1600.00} due to the Bank of America representative assurance
Product: Debt collection

XXXX 's was my employer from XX/XX/XXXX until XX/XX/XXXX and during that time I used bereavement time that was given to me and approved by my supervisor. I had called to talk with payroll about my bonus that I was awarded and the woman I spoke with had decided that I had used too much time for her liking and sent me a bill for {$1300.00} which I have no idea how she came to that number. As I said my time off was approved by my supervisor therefore this debt is not valid. Can you please contact me with details on how to move forward. 

It is now at collections Commercial Services Group XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX ( XXXX ) XXXX Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company failed  to make a proper investigation under the FCRA even when I provided a factual error directly from my credit report they just send me a computer generated reply , I demand under section 611 of the FCRA for them to provide me with the method of verification or delete this account .
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXXDate of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX Date of Inquiry XXXX/XXXX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXDate of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX,
Product: Money transfer, virtual currency, or money service

Keep getting emails that I have sent large payments to ( in this case : XXXX XXXX ) companies via PayPal. I do not even have a PayPal account!!?? 

This email was sent on XX/XX/22 and says to contact PayPal Help-line at XXXX. 

I usually delete these but it is getting very annoying!! Please help!! 

Thank-you!! 

The transaction ID is given as : XXXX and the amount is given as {$500.00} quantity XXXX and Company listed is XXXX XXXX XXXX I have no idea who that is and most certainly did NOT order anything from them!!!!
Product: Bank account or service

I opened a CitiGold account to take advantage of a XXXX AAdvantage XXXX promotion that was offered for having a Citi AAdvantage card. I registered using the code provided to me, completed all steps ( Make {$1000.00} in debit purchases and make two months of consecutive bill pay ), and waited the 90 days for the points to post ( Paying {$90.00} worth of monthly fees in the process ). I called in and was told that I satisfied all requirements necessary, that my account was eligible, and that I was targeted and perfectly qualified to get the points. I had n't heard anything after 150 days and called in. The CSR agreed that again that I was eligible and that they 'd file a note for their supervisor to check on it. I received the note and was promptly told that Citi would not be honoring the promotion as " there was not an AAdvantage Miles promotion offered in conjunction with the opening of your account. '' This directly contradicts everything that their own Customer Service Reps told me both over the phone and through Citi 's online chat service. I would like them to honor this promotion after I signed up through the offer that was through my AAdvantage Citi card and after their reps told me time and time again that I was qualified and would be receiving the miles soon.
Product: Mortgage

CMC Funding, lnc c/o Specialized Loan Servicing LLC took over the servicing of my mortgage effective XX/XX/2020. I followed the instructions provided and mailed my XX/XX/XXXX payment to CMC Funding. The check cleared my bank on XX/XX/2020. Because of several mistakes made by CMC Funding detailed in my attached letter mailed to CMC Funding on XX/XX/2020, they autodrafted a second payment on XX/XX/2020. Contrary to my repeated requests for a return of the second payment they mistakenly autodrafted, they applied the second payment to the principle on XX/XX/2020. Only after further requests did CMC Funding finally return the second XXXX payment, which I received on XX/XX/2020, almost 40 days after they took the second payment. I asked for restitution for the loss of use of the wrongly autodrafted second XXXX payment, and the company 's response is attached. Basically, they have told me they are within their legal rights to wrongly take a second payment and they owe me nothing other than the return of the money, not even an apology for their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three bureaus Equifax XXXX  and XXXX  has been abusing their power of being a reporting agency.The unathorized inaccurate reporting without my consent in noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus '' are not operating with in the boundaries of FCRA and FDCPA
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 have been sending countless letters appealing to Experian to verify the disputed account and remove them if unable to prove that the account is mine. Experian is failing to block or remove the account from my report. I filed a report on the FTC website, I specified how the identity theft took place, and that I did not benefit or receive goods or services from the alleged accounts. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! PLEASE DO NOT IGNORE my request and DELETE the account which I do not own. 

XXXX XXXX  XXXX XXXX