23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

This morning, XX/XX/19 at approx XXXX EST, I called my bank, Chase Bank, to ask questions about XXXX, a monetary transfer service that the bank uses. I was planning to purchase concert tickets from XXXX XXXX, and I was advised by a representative that if there were any problems, that I could file a claim with the Chase Fraud department. I had never used XXXX before but that was the service preferred by Mr. XXXX. So I sent money though their service, XXXX, under the impression that I could rely on my bank to help me in the event of foul play. 


Minutes later when I did not receive my tickets and could not reach Mr. XXXX, I called Chase to cancel the transaction, and was put on an extended hold. I was transferred four times, to be told that it was too late to cancel the transaction  and that they would not dispute the charge. They said that it was the equivalent of giving away cash, as opposed to a credit or debit transaction. I was told that I should have called the Fraud department regarding my questions about XXXX, and not their telephone banking department. I have been a loyal Chase customer for ten years and I am surprised by the lack of empathy and customer service. I will be closing my account immediately. 

Do not use XXXX, do not bank with Chase, and be careful with ticket sales.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off an account with AFFIRM on XX/XX/2023. After not seeing it reported correctly in late XXXX, I submitted a dispute with XXXX. I even provided documentation. Affirm certified to XXXX that the info that they reported was correct which showed a balance. I disputed this 5 times with XXXX and all 5 times Affirm certified that their info was correct and not mine. Even with documentation.
Product: Debt collection

A place called Ginny 's is claiming I owe them about {$300.00}. I contacted the XXXX and the paperwork that they got back it was n't my signature they do n't have my social security number it 's just totally bogus and they 're threatening to put it on Collections and mess my credit up. There has to be someone who can do something about this issue.
Product: Debt collection

I have disputed this account with the agency. They keep sending me collection accounts, I requested proof I signed this they only sent me statements,. I requested more and more information but seem like they do n't care only to collect. I request for them remove this off my credit report.
Product: Credit reporting or other personal consumer reports

i have disputed the items on my file to be deleted since they are a result of identity theft and a result of data breach they admitted that my information was exposed they have been sending verified information without giving explanation on how they verified information.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I strongly disagree with the response to your investigation. Despite your investigation, the incorrect items listed below still remain on my credit report. I request that these items be immediately re-investigated due to valid reasons. These inaccuracies have a significant negative impact on my credit rating. 

Additionally, in compliance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I insist on receiving actual evidence of the information being verified, rather than a computer-generated confirmation. 

Please provide the following : The names and business addresses of each individual you verified the information with, so that I can follow up. 
The date on which you contacted the individual information furnishers. 
The method of communication used to verify the information. 
I also want to know if the furnisher provided you with my SSN, address, or DOB. 

Once you have completed your investigation and made the necessary corrections, please send me an updated credit report. 

Your cooperation and prompt attention are legally required.
Product: Credit reporting or other personal consumer reports

Im writing today because I sent a cfpb complaint to equifax about a XXXX  XXXX account that is not reporting accurately. They are claiming my account was late but the information is wrong on my report and according to law credit reporting agencies are suppose to be reporting with 100 Percent maximum possible accuracy. this is not the case with equifax. I sent cfpb complaint number : XXXX. The dispute i sent to equifax does not match the response they gave me at all. Its like they are letting a computer do the work for them. I wrote them in regards to the late payments on my account being fraudulently reported not about my account being a fraudulent account so the response to my dispute is irrelevant to what they investigated. I believe equifax is not thoroughly reading and conducting a proper investigation. This is a violation to my rights and a waste of my time to be waiting over month for them to send me results that do not pertain to my dispute this is unacceptable and CFPB needs to take action against this company. The account i am refering to is XXXX XXXX account number XXXX. this is my second cfpb complaint about this account and about this company. Something needs to be done. Next thing Im doing is taking equifax to court. Best believe i am stacking my evidence.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I mailed a Identity theft report from the Federal Trade Commission to Experian regarding fraudulent accounts showing on my credit report. Which are XXXX XXXX Account XXXX Balance {$990.00} XXXX XXXX Account XXXX Balance {$320.00}. 

On XXXX Experian sent me an email regarding the outcome of the dispute. 

Stating that the Identity theft was not filed with a law enforcement agency which subjects the person filing the report to criminal penalties relating to the filing of false information. 

But Experian failed to understand that Indeed ( The Federal Trade Commission ( FTC ) functions primarily as a law enforcement agency. ) Experian Also stated that the accounts were VERIFIED AS ACCURATE. 

I have provided Email Experian sent and also the dispute results!!
Product: Credit card or prepaid card

In XX/XX/2022, I opened a Secured Card Savings Account with Truist Bank in XXXX XXXX, TX. Account # XXXX. I deposited {$400.00} to the card. Subsequently, I decided to close the account and in XXXX went in person to the local bank to do so. The teller advised there was no balance found and closed my account. 
On XX/XX/XXXX, I received a statement that there was still a {$400.00} balance on the card. I went back to the bank. The teller advised that there was now a balance, but because she had previously closed the account, it now needed approval to cash out the funds. 
I have visited the bank twice since then, called many times, and can not find anyone who will let me have my {$400.00}. The last time I went to the bank office, the teller would not speak with me until I paid an account fee of {$20.00}. Today I spoke with XXXX different bank employees, and just kept being transferred. 
I received a statement on XX/XX/XXXX still showing the {$400.00} balance, and a new statement dated XX/XX/XXXX showing XXXX balance. 
I am afraid that the bank is planning on keeping my money.
Product: Credit card or prepaid card

Someone opened a fraudulent bank account with the Bank of Hawaii and then used that bank account to open a XXXX XXXX XXXX. I've contacted both companies and started a fraud and police report. I've also started to review credit reports and see if I can detect any additional issues. I also reported Fraud alert with XXXX.
Product: Checking or savings account

I am writing to file a formal complaint against JP Morgan Chase Bank for their violation of US law and their own policy. Recently, I opened an account with Chase Bank and deposited a check which was made out to another individual and not myself. However, I personally cashed the check and the payee endorsed the check and instructed the payment to be made to me. Chase Bank accepted my mobile deposit of the check and deposited the funds into my account.To my surprise, shortly thereafter, Chase Bank withdrew the funds and closed my account without any notification of the issue. When I contacted Chase Bank to discuss the matter, they stated that both the third party and I have to go to a Chase branch with 2 different forms of government ID to clear up the issue. However, this is not an option for us due to various reasons. I would like to bring to your attention that according to US law and JP Morgan Chase Bank policy, they are obligated to notify the account holder immediately in case of any issue with the account. Additionally, Chase Bank is required to follow the guidelines set forth by Regulation CC of the Federal Reserve, which specifies the amount of time that a bank can hold onto funds from a check. It is unacceptable for Chase Bank to hold onto the funds and not return them to the issuing bank if they are unwilling to release them to me. If Chase Bank is unable to accept the check, they need to have the check recalled and sent back to the issuing bank. However, the issuing bank is showing the check as being cashed and therefore, the check issuer is unable to have the issuing bank reissue the check. 
Furthermore, I would like to mention that I called Chase Bank before depositing the check and followed their instructions for depositing a third-party check. Hence, it is evident that Chase Bank did not follow their own policies and procedures, which led to an inconvenience and financial loss to me. Therefore, I request that you take immediate action against JP Morgan Chase Bank for their violation of US law and their own policy. I also request that the funds be returned to the issuing bank or be released to me at the earliest. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the XXXX XXXX XXXX auto loan account that is being reported as late onXX/XX/2018 several times. XXXX nor Experian will look into the account at all. I was on an Auto Loan XXXX during the time in questions and NOT late. I went into a branch and had them print out my XXXX letters and payment history as proof. However, neither have updated my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple requests for investigations into the two following accounts currently reporting on my credit report. I sent letters on XX/XX/2020, XX/XX/2020/ and XX/XX/2020. All with no response or no resolution to my request. These items are affecting my ability to obtain new credit and affecting my credit status negatively. 

XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 


XXXX XXXX IXXXX Account Number : XXXX Please supply information on how you have verified this item.
Product: Credit reporting or other personal consumer reports

This is another credit card I never signed up for I have no knowledge of this account it is Fraud.
Product: Prepaid card

I received a prepaid American express serve that I did not purchase or apply for. whomever did had all of my personal information. when I contacted amex serve they seemed to be protecting the criminal and were not helpful at all. I requested account closed immediately.
Product: Debt collection

Company XXXXXXXX XXXX XXXX XXXX XXXX I had credit with them over 4 years ago. It was written off and never attempted to collect the debt. It got removed from credit profile. 
Collector contacted via email that I owe them. As per California law, collector had 4 years to collect any debt. They did not try to reach out to me before.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit report immediately. I have attached proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX  XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX
Product: Mortgage

Rocket Mortgage is discriminating against me based on my race XXXX and ethnicity. 

I gave them my social security number and Im requesting for a line of credit to fairly finance and purchase a home. 

I want Rocket Mortgage to stop being XXXX to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

XX/XX/2018 Central Portfolio Control calls from XXXX asking for XXXX XXXX, I tell them this is not her number, they change the number they are calling from and call again. this has been going on for 4 years that i owned this number. I am not affiliated with this person and I have no idea who she is.
Product: Mortgage

I have attempted to reach out Shellpoint regarding the final payoff again on XXXX XXXX, 2022, I have received the responses on XXXX XXXX through their email notification. This is the first time I have received the Shellpont 's response. 

I have followed on XX/XX/XXXX to XXXX, however no XXXX response my calls. 

Based on their letter on XXXX XXXX, XXXX, they claimed that they sent me the final payoff on XX/XX/XXXX, XXXX XXXX and XXXX XXXX. However, based on the letters ( XX/XX/XXXX, XXXX & XXXX XXXX ), they were addressed to the prior owner 's mailing address, and my email address was incorrect XXXX. My email should be XXXX ( which they sent me the correct email on XXXX XXXX, XXXX  ). 

According to their response letters, Here are their response letter details : XX/XX/2022 Payoff total {$120000.00} XXXX XXXX, XXXX  Payoff total {$120000.00} XXXX XXXX, XXXX  Payoff total {$120000.00} I would request Shellpoint to explain why the payoff is the difference between a few days of time, and I request and appeal the items of unreasonable fee 1 ) Fee {$2700.00} and 2 ) Funds owned by the borrower {$3200.00} immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting with Capitol One for some time now. There was account open under my name that wasnt me. I have even filed a police report and sent them the copy and they wont remove it.What do I have to do to have this remove? Im attaching a copy of my police so hopefully you can help me in this matter.
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. 
Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX VIA DEALER XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXXXXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX, violated my rights. 
I looked at my transition credit report on XX/XX/year> and noticed somethings are incomplete and not accurate, and according to the fair credit act whenever a consumer reporting agency prepares a consumer report it shall reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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

I attempted to add money to cashapp from my checking account this evening, as my cousin was stranded and needed funds utgently. I didn't do anything unusual. Cashapp locked my account because they said " we detected unusual activity ''. There was nothing unusual about anything I did. When I contacted them, the representative, probably a bot, said it would be 48 hours before my account would be unlocked. That is outrageous and unacceptable!
Product: Debt collection

Dynamic Recovery Solutions has called me from a XXXX, AR number XXXX approximately 4 times today on XX/XX/2017 last phone call being XXXX XXXX. I 've owned this number XXXX for roughly 3 years and have received MANY phone calls over the course of those years from them asking for a man in which I have repeatedly told them to take my number off, this number is not associated with them. They have continued to harass me calling at all hours after being told to remove my number I am not associated with him. Today I received multiple phone calls with no one saying anything on the other line. I called back and an XXXX XXXX man answered ( call should be recorded ). I told him they have called me 4 times today ( that call being the 4th ) and I have told them over the last several years to remove my number and stop calling me that I do no know or have any associations with the man they are looking for. I told him that they are harassing me and the man became irate and said " do not use the word harass, I 've never called you this is the first time I 've called you. '' I proceeded to tell him multiple agents have called me and I 've repeatedly told them not to call and remove my number. I have a witness to the conversation and could hear him raising his voice and talking so much over me I had to ask him to stop talking over me. I finally had to hang up on him he was being loud and disrespectful. I 've been harassed by this company so many times and yet they will not understand the fact that this man is no longer associated with my number and will not stop calling me at all hours of the day when I have work and a family to be with.
PLEASE NOTE : I do not have an account or any affiliation with this company. They are seeking payment from the individual they are trying to which which also has no affiliation with me or my family. We do not know this person.
Product: Debt collection

I am writing regarding several bills that have been incorrectly and falsely sent to collections by the billing office of XXXX XXXX XXXX in XXXX 2015. This matter impacts both myself and my husband, XXXX XXXX, as we both visited XXXX XXXX 's office on five ( 5 ) total occasions between XXXX - XXXX 2015. 

At the time of each of our visits, I paid a {$20.00} co-pay per visit per the requirements of my insurer, XXXX XXXX XXXX, and the requests of XXXX XXXX 's office. The insurer stated on their website and confirmed via phone that {$20.00} was the correct co-pay amount. XXXX XXXX is a Tier XXXX Preferred provider under XXXX XXXX 's policy, clearly documented by a screenshot of XXXX XXXX 's website and my phone conversations with their representatives. 

However, XXXX XXXX 's office inaccurately charged both my husband and I an additional {$40.00} per visit and submitted the difference to collections. 

I have contacted XXXX XXXX repeatedly regarding this matter, who confirmed that the correct co-pay amount is {$20.00}. I spoke with a representative there as recently as this month, who confirmed this again and stated that XXXX XXXX has contacted XXXX XXXX 's office with the same information. 

I have also contacted XXXX XXXX 's office repeatedly regarding this issue and stated in writing in XXXX 2015 that there was no basis on which to submit this matter to collections, and repeated that assertion this week. However, XXXX XXXX 's office still submitted the bills to collections, where they remain. 

The dates of the visits in question are as follows : XXXX XXXX XXXX/XXXX/15 XXXX/XXXX/15 XXXX/XXXX/15 XXXX XXXX XXXX/XXXX/15 XXXX/XXXX/15 Per this documentation, we have asked XXXX XXXX 's office to remove these bills from collections immediately, however they have refused to do so. We have also asked that the office immediately contact the credit reporting agencies - XXXX, XXXX, and XXXX - to have these items removed from both of our credit reports. 

It is troubling that XXXX XXXX 's office failed to exercise any due diligence to obtain accurate information before submitting these claims to collections, and has still failed to resolve this matter nearly a year later.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 high yield interest savings accounts. Capital one misrepresented the 360 savings account as having one of the nations highest interest rates, yet failed to notify account holders about the superior rates offered by the 360 performance savings account. This deliberate obscurity and lack of transparency violated consumers trust and resulted in significant financial losses for many, breaching the consumer financial protection act and the truth in savings act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that XXXX Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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
Product: Credit card or prepaid card

I got a Brinks Money pre-paid card in the mail, assuming it was for my unemployment benefits. I tried activating and its requiring additional documents to be sent in. 
I attempted to call back and the number on the card seems to be disconnected.