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

I have been a Chase Private Client customer for approximately 6yrs. I have taken great pride in my relationship with Chase. Approximately 6 most ago when I opened my business account, based on anticipated revenues, I was escalated to Chase Private Banking. During the account opening process I was screened no less than 3 times as to the anticipated use of this account and the source from which funds would be received. This is where the apparent issue germinated. I associated this account with my Attorney 's Chase Bank XXXX XXXX account - in that it was expected that 90+ % of all my inbound funds to this account would come from that trust account. 

My attorney notified me on XX/XX/XXXX that his bank office had called him to inform him that Chase would be closing his trust account. No reason given. The next day I was contacted by my Private bank officer and notified that due to no fault on my part, but rather " guilt by association '' my accounts, BOTH personal and business would be closed and Chase 's relationship with me terminated permanently. 

I have 5 family members with joint chase accounts with me ( at the recommendation of chase private client bank officers ) to allow them to take advantage of that product. Now for no reason given, ALL personal accounts with my name on them are to be closed by XX/XX/XXXX and the business account by XX/XX/XXXX. A side note of insult is that I've emptied all those accounts, but Chase is now posting service fee monthly of {$95.00} to the business account ... which I will NOT pay. 

This behavior is unconscionable. There is no customer more willing to be compliant or transparent. Yet without warning, and in fact, WITHOUT CAUSE of any kind - I am being summarily dismissed with ZERO recourse or accountability by the bank because their " fine print '' states that they may close any account at any time for any reason. I have a saying I've used in business with executives often about to take an action that will ultimately hurt them - " just because you CAN do something, doesn't mean that you should ''.
Product: Credit card or prepaid card

My problem is with a Frontier Airlines MasterCard. On XX/XX/XXXX I noticed charges for {$850.00} from XXXX XXXX and a charge for {$53.00} from XXXX XXXX XXXX. on my card statement online I check my account everyday. I immediately contacted the credit card company to report these as fraudulent charges. They said they would investigate. Today, XX/XX/XXXX the charges were again posted to my account. I again immediately contacted my credit card company. They said the charges were correct. They had proof that I had made the purchases. I explained that this was simply not true. I wanted to know what proof they had They said these were tickets purchased that were send to me with my name and mailing address, This is a complete lie. I never received any tickets, as I did not make the purchase. When I ask them to verify the name and address they were sent to, they would not do this. I have filed a police report and again disputed this charge. I contacted XXXX and put a fraud alert on all of my credit accounts. This issue needs to be resolved I did not make these charges. I was told to contact the merchant, but this is impossible, because when I call them they want an order number, which I do not have Or then they want my email address, which they say does not match anything on their records. Then they want my zip code, which again they say does not match So what I want to know is what proof does my credit card company have, I do not plan on paying for these fraudulent charges.
Product: Credit reporting or other personal consumer reports

There are two accounts which are adversely impacting my credit worthiness. They are over 7 years old and Ive requested that the accounts be removed, because thats the norm with credit and Experian will not remove these accounts : 1. XXXX  2. XXXX XXXX XXXX XXXX.

If 7 years doesnt apply anymore Id like to know why and how does someone get old items off their report?
Product: Debt collection

Please be advised that this is my THIRD WRITTEN REQUEST asking you to remove the unverified accounts listed below that remains with your company as owed, in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed owed to your company. 

Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. Before account was handed over from asset acceptance Ive requested for account XXXX to provide accurate documentation of validation of debt that Ive failed to receive, as well as this information was requested with your collection representative XXXX XXXX along with account XXXX. I was informed that this information doesnt need to be provided because a judgement was already in place. As a consumer it is my right to receive validation of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$3300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

On XX/XX/2023, I learned my account has been frozen for several days, I was not notified prior to this. 

I was told it was frozen for some kind of fraud, but it was just me trying to transfer my money into another account I own with XXXX. 

4 times I called Bank of America to gain access to my money. No one would help me or there would be no answer, or I would a message saying " your call can not be completed at this time ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Student loan

In XXXX of 2012 I was unable to make full payments on a group of student loans with Wells Fargo XXXX XXXX. The problem arose when in making a partial payment through the Wells Fargo online portal, instead of paying the loan that could have been paid with the partial payment Well Fargo divided up the payment among the XXXX loans and in essences allowed them to be all delinquent. This lead to them assessing late fees on all loans in the group and reporting them to the various credit bureaus. Furthermore, at the time the option to assign payments to different loans in a group had not established ( until very recently ). My problem lies with the way Wells Fargo chose to assign payments to maximize their profits at my expense as well as their convenient use of group loan policy. Previously, on their website they treat loans as a group establishing XXXX payment amount for the entire group but when reporting to credit bureaus and for assessing fees it is every loan for itself. Currently, Wells Fargo has corrected the payment process online, now when you attempt to make a partial or extra payment amount you are given the option to chose which loans to pay. In my mind this is tacit acknowledgment that their previous policy was wrong and detrimental to their customers. For me the damage is done, however the remedy I seek from Wells Fargo and I have reach out to them in this regard is the removal of at least 1 of those late payments from my credit report. This would provide some relief from the flawed methodology that Wells Fargo used that I personally had no control over. I have prepared a letter to send to Wells Fargo to express my concerns but I have launched this complaint because I suspect that I am not the only one who has suffered this faith.
Product: Credit reporting or other personal consumer reports

DISCLOSURE STATEMENT REQUEST Re : Fraudulent XXXX XXXX XXXX XXXX Account ( XXXX ) Notice to agent is notice to principle. Notice to principle is notice to agent Name the original creditor? 

Name the address of the creditor or assignee? 

What are the terms of assignment contract? 

What are the full account numbers for this account? 

Please list the particular products or services sold by the collector to the debtor and the dollar amount of each item. 

Have any insurance claims been made by any creditor or assignee regarding this account? 

Has the reported balance of this account been used in any tax deduction claims? 

Upon failure or refusal of collector to validate this collection action. Collector agrees to waive all claims against the debtor made herein and agrees to pay debtor all cost and attorney fees involved in defending this action. 

Please return this completed form and attach all assignment or other transfer agreements that will establish your right to collect this debt. 

Your claim can not be considered for any portion of this form is not completed and returned with the required documents. 

This is a request for validation made pursuant to the fair credit debt collections practices act. If you do not respond as required by law, your claim will not be considered. And, you may be liable for damages for continued collection efforts. 
Please allow XXXX  days for processing after receipt of your request.
Product: Checking or savings account

Back in 2021 i sent a payment for over {$4000.00} from my Chase checking account. I was not provided any warning message or note to inform me that if this payment incurred any issue in any way such as the company never fulfilling my order which is what happened i was defrauded by the company requesting the payment and in result lost over {$4000.00} Chase informed me there was nothing i could do. I am just becomming aware that i could possibly fight this with other measures.
Product: Credit reporting or other personal consumer reports

My social security, name, address, old addresses, and other information has been placed on XXXX XXXX  using different addresses and telephone numbers. I have placed a freeze on my credit but someone is constantly using my information per my credit reports. I asked for a freeze and fraud alert on my credit. Also someone got an EIN number using my information with a company name XXXX XXXX XXXX. Ive already reported it as well and have not received any response. I need help. Please see these numbers listed on my credit report now ; XXXX, XXXX, XXXX. Also this name and address appeared on my credit XXXX XXXX XXXX with the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX, XXXXXXXX XXXX. Please assist me with protecting my credit that has been compromised.
Product: Debt collection

I am filing a complaint for requesting unnecessary documentation to validate a debt. Requesting : Original Creditor : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Debt Collector : Date Opened : [ XXXX  ] Date Closed : [ XXXX XXXX XXXX ] Date Account Sold : [ XXXX XXXX XXXX ] Date Charged-Off : [ XXXX ] Date of First Delinquency : [ XXXX  ] Date of Last Payment : [ XXXX  ] Balance : [ XXXX XXXX ] Also requesting payment ledger ( statements, etc. ) and records of communication with XXXX if applicable
Product: Money transfer, virtual currency, or money service

I have used WellsFargo for business and personal banking since XXXX. XXXX offered the XXXX financial transfer service for my business and personal money transfer needs. I use the service but have had problems with the transfers in terms of timeliness. On XX/XX/XXXX, at XXXX XXXX EST, I was notified by XXXX of a money transfer from a new customer who had an urgent need for my services. However, WellsFargo did not show receipt of those funds. I communicated with XXXX to determine if there was a problem. XXXX referred me to WellsFargo. The next morning I contacted WellsFargo and explained the situation and the urgency of the issue. The WF representative checked, said WF had not received the funds and that theybwere not responsible for any aspect of the transfer until the funds were received. The WF rep directed me to contact my customer and have them chase down the transfer. I asked for a supervisor and another WF rep was put on the call. After explaining about the issue again, I was told again to go back to my customer as it was not their responsibility until the funds were received. I then called XXXX and spoke to a representative who explained that WellsFargo had received the funds. My complaint is that WF gave me false information with the representation that they were an uninvolved party in this transfer.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a complaint about multiple inaccuracies on my credit report. Equifax responded on XX/XX/XXXX that the information /accounts were verified as accurate see complaint # XXXX I pulled a new report to and found the same inaccuracies that still exist. If Equifax did a thorough investigation everything should be reported 100 % accurate. Please see the accounts listed in my dispute letter attached along with the new credit report with all the inaccuracies marked up.
Product: Debt collection

Collection Professionals Inc has failed to show, after multiple requests, proper chain of title/ownership of debt. Theyve also failed to provide a wet signature of obligation to their collection agency. Citing 15 USC 1692G. 
XXXX continues to report falsely to the credit bureaus. Having a negative impact on this consumers score violating the consumers rights and Section 609A1A.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it concerns, In accordance to the Fair Credit Reporting Act, my right to fair consumer reporting is being violated. A chapter XXXX Bankruptcy is being reported on my Equifax and XXXX credit report. All information is not accurate and should thus be removed. According to 15 U.S.C. 1681 its states that I have a right to privacy as well as a right to dispute inaccurate information on my credit report. I have tried to correct this with the bureaus who state they did an investigation and verified this account. However, the report from these two bureaus are still reporting inaccurate information and is causing damage to my credit score. 

I request that this erroneous information reported by Equifax and XXXX be removed from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DONT HAVE ANY KNOWLEDGE OF THESE ACCTS ON MY CREDIT- PLEASE REMOVE OR DELETE ... ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not properly investigate my XXXX. I never had a XXXX account. 

Experian did not properly investigate my XXXX account. It is saying I was late. I was never late. 

Experian did not properly investigate me XXXX. It is closed and still showing on my credit report. 

Experian did not properly investigate my XXXX XXXX XXXX XXXX. It is closed and still showing on my credit report. 

Experian did not properly investigate my XXXX XXXX XXXX account. It is closed and still showing on my credit report. 

Experian did not properly investigate my XXXX XXXX account. It is closed and still showing on my credit report. 

Experian did not properly investigate my Dept ed/XXXX  account. It is closed and still showing on my credit report duplicate accounts. 

Experian did not properly investigate my XXXX XXXX account. It is closed and still showing on my credit report. 

Experian did not properly investigate my XXXX XXXX. It is closed and still showing on my credit report. 

Experian did not properly investigate my XXXX XXXX  account. It is closed and still showing on my credit report. 

Experian did not properly investigate my XXXX account. It is closed and still showing on my credit report. 

Experian did not properly investigate my XXXX account. It is closed and still showing on my credit report. 

Experian did not properly investigate my XXXX XXXX account It is closed and still showing on my credit report. 

Experian did not properly investigate my XXXX XXXX Account. I never had a account with them. 

Experian did not properly investigate my XXXX XXXX account. I never had a account with them. 

Experian did not properly investigate my XXXX account. I never had a account with them. 

Experian did not properly investigate my Chapter XXXX account. I never had a account with them.
Product: Debt collection

This account is reporting two debts : XXXX and XXXX. I have requested debt validation for both accounts and have not received anything back. I have been disputing the XXXX  for a while and just received notice they have transferred the account Ive disputed. I have not received a debt validation for this account before it was handed off.
Product: Mortgage

BANK OF AMERICA THE Alleged Investor /Owner of the Note on my property located in XXXX XXXX XXXX XXXX Ca XXXX violated XXXX of the codes of the Fair debt Collection Practices Act XXXX XXXX XXXX sec XXXX ( b ). 
BANK OF AMERICA refusal or ignore to respond a certified letter sent on XXXX/XXXX/2015. 
BANK OF AMERICA Failed to respond my Debt Validation letter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX The following items are inaccurate and/or an error. I am demanding these items be deleted as independently the following credit bureaus say the debt has been verified, but that is not possible since there are still inaccurate/omitted/conflicting items. 
XXXX : o The account is charged off which requires the company to send me a 1099C which they have not. 
o Experian reports the last payment as XX/XX/year>, but XXXX XX/XX/year> and XXXX reports XX/XX/year> o XXXX reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX reports no lates. Experian reports XXXX x XXXX, XXXX 60 days, XXXX x 90 days late. 
o XXXX reports the close date of XX/XX/year> but XXXX reports it as XX/XX/year> Experian : o The account is charged off which requires the company to send me a XXXX which they have not. 
o Experian reports the last payment as XX/XX/year>, but XXXX XX/XX/year> and XXXX reports XX/XX/year> o XXXX reports XXXX x 30 days, XXXX x 60 days and XXXX 90 days late, but XXXX reports no lates. Experian reports XXXX x XXXX, XXXX 60 days, XXXX x 90 days late. 
XXXX o The account is charged off which requires the company to send me a XXXX which they have not. 
o Experian reports the last payment as XX/XX/year>, but XXXX XX/XX/year> and XXXX reports XX/XX/year> o XXXX reports XXXX x 30 days, XXXX x 60 days and XXXX 90 days late, but XXXX reports no lates. Experian reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late. 
o XXXX reports no credit limit information o XXXX reports the close date of XX/XX/year> but XXXX reports it as XX/XX/year>
Product: Debt collection

I am attaching in the form of an attachment a Motion to Set Aside Judgment and Request for Sanctions for violation of the Fair Debt Collection Act that will be forwarded under separate cover unless there is a way to attached a filed hereto.
Product: Credit reporting or other personal consumer reports

I got my identity stolen in XXXX of XXXX I first realized when my wells fargo account password was changed and they XXXX themselves two transactions totaling {$700.00}. I filed a claim with wells fargo at that time and got the money back. a couple months later credit cards began arriving in the mail which i did not apply for. This has resulted in 5 total hard inquiries ( via experian ) on my credit report all of which are not from me and have negatively affected my credit. I would like these hard inquiries to be wiped and investigated for fraud/identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. The following companies have violated my rights by performing a hard inquiry on my credit report without my permission : 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 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 an 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: Credit reporting, credit repair services, or other personal consumer reports

This items is included in my chapter XXXX bankruptcy filing
Product: Credit card

Unsatisfactory explanation for declining credit line increase. Letter for decline dated XX/XX/year>XXXX XXXX
Product: Credit reporting

I have numerous inquiries on my credit report with XXXX that I have continuously disputed. I did not apply for credit with these companies and would like the inquiries removed. XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not give your company permission to share, sell, release or report information derived from my consumer profile and that was derived from your data files within your systems. Reporting to affiliates or any third-party affiliates ( XXXX, XXXX, Experian ) violates my privacy. The information you have furnished is inaccurate and incomplete. I am a consumer who has been the victim of fraud. I have a fraud alert on my credit profile that was ignored by your company to issue credit. CRAs have a responsibility to protect the privacy of the personal financial information of their customers and consumers.
Product: Credit reporting or other personal consumer reports

My following company access my credit file without my authorization.