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

My taxes were filed with my tax preparer and were planning to be directly deposited into my checking account. once the day came the money was supposed to be deposited and it was not, my tax preparer and myself realized the wrong account number was put on my tax paperwork knowing this we called Chase and  also called XXXX XXXX XXXX, my tax preparer bank, and had every one on a conference call to let every one know that my income tax check has been deposited into the wrong account and it needed to be fixed and doing so Chase requested that XXXX XXXX XXXX send them a recall for the money. XXXX XXXX XXXX did so XX/XX/XXXX and multiple times afterwards also sent a recall for the funds on XX/XX/XXXX and a few other times afterwards. Chase refused to acknowledge the recalls for the funds and whoever 's account the money was in has spent my money even though Chase had everything they needed to recall the money and send it back. also I am a little confused on why Chase allowed my income tax check with mine and my husband 's name on it to be deposited into an account that had a completely different name birthday social security number and everything I have spoke with a lot of different departments at Chase and they all tell me the same thing there is nothing they can do the money has been spent but I honestly feel like they should pay that money back or the person who spent it should be notified it was not their money. Because XXXX they stole my money. Many their account should be closed or have to pay my money back. when I get to the higher up department at Chase they are very very rude and act like they are annoyed with me. very unprofessional so my money has been missing since XX/XX/XXXXand Chase has done nothing to help me get my money back it was over {$6000.00}. They had what they needed intone to refund my money. They did n't do what they were supposed to do.
Product: Credit reporting or other personal consumer reports

XXXX, Tranunions and XXXX didnt remove late payments need to remove Late payments from XXXX account XX/XX/23 XX/XX/23 XX/XX/23 ( XXXX XXXX XXXX ) Im showing proof each payments was made on time
Product: Credit reporting or other personal consumer reports

Account name XXXX XXXXXXXX XXXX Account number XXXX Delete this account for violation and inaccuracy because late payments do NOT match what Experian, XXXX and XXXX have XXXX XXXX XXXX  XX/XX/2018, XX/XX/2018, XX/XX/2018 XX/XX/2018. Please provide new credit report once account has been deleted.
Product: Checking or savings account

On XX/XX/2023 @ XXXX inside XXXX ( XXXX XXXX XXXX XXXX, CA ) I attempted to use a XXXX ATM to withdraw {$40.00}. After entering my pin and all other options the ATM was taking an exceptionally long time to process. As if it was frozen or something. So I asked the XXXX employee ( XXXX ) if the machine has had any problems. He came over and stood their with me and stated he wasnt aware of any issues, but was witnessing it not processing. After about another minute or so it finally said " dispensing cash ''. It dispensed my receipt and sounded as if it was counting the cash for an extended length of time, but the door never came open to dispense and then the screen just flashed back to the main screen you get to begin a new transaction. By this time there was also another XXXX employee ( XXXX ) standing with us as we are all standing there confused scratching our heads. I grabbed the receipt that it dispensed and it showed that the {$40.00} was withdrawn from my account but the three of us saw that it did not dispense and funds at all. As I am asking them who I would call the machine on its own went to a reboot screen or something like it was being restarted or something. At this point XXXX wrote an " out of order '' sign and placed it on the machine. Calling the number on the machine only leads to a recording telling you to contact your financial institution. Well when I reported it to Chime on XX/XX/2023 they initiated a dispute, i submitted my receipt and a statement and within 2 days got a claim denied resolution from them. I opened a rebuttal with them, submitted a selfie pic holding my ID and photo of my ID as per their request and within 12 hours they denied that rebuttal. I never received anything from them showing what their investigation involved. I do know they never tried to contact the witnesses. But if they only go by documents I sent then, yes, it would look as if i received the funds seeing as how that is what the receipt shows. But how can i have a document that shows the machine did not in fact dispense the funds? Since their denial of the rebuttal Chime doesnt reapond to my emails at all. When i call you cant get transferred to the investigation department and the customer service rep you talk to claims they can not see anything in the investigation and if i dont have any new documents then they will not do anything else involving this claim. ( Claim # XXXX ).
Product: Debt collection

American Express has failed to prove I owe the alleged debt and has been harassing me with repeated calls, which have caused me emotional and financial distress, violating the Fair Debt Collection Practices Act ( FDCPA ) and Wash. Rev. Code 19.16.
Product: Debt collection

Debt collection was placed on my credit report. The debt is not mine. They called and when I asked to confirm the medical insurance account associated with the debt, the number dis not match my own. This is not surprising due to the fact that the time the original supposed debt was occurred I was still on my parent 's medical insurance and the only XXXX I had near the time was paid for by them, not me. If this is somehow a debt my father owed, he is dead, also I combed his records and no such debt existed. 

I have looked up the company the debt originated from and this collection agency and all signs point to this being a debt collection scam so I have no intention of contacting them as I feel they can not be trusted.
Product: Credit reporting or other personal consumer reports

I opened a secured " credit builder '' loan with XXXX XXXX for account XXXX reflected on my Experian file. 

The full amount of the {$1000.00} Original Balance was never received up front to me directly. A portion of this amount was available to me. {$400.00} or so. Then the rest, I made payments and at the end of the 12 month term, I would have access to the balance in it's entirety. I never received the other {$600.00} and XXXX XXXX has continued to report inaccurate information on my credit file. 

Status : Account charged off. {$960.00} written off. {$110.00} past due as of XX/XX/XXXX. 
How are you able to write off an amount of {$960.00} when the past due balance was {$110.00}? 
The original Balance for this secured loan was {$1000.00}. Again, those funds were never received in the full amount at the beginning of this loan as this was a " secured loan '', not a secured credit card, but a " secured loan ''. 

Experian reports in my 24-month payment history that the month of XX/XX/XXXX and XX/XX/XXXX the account remained in a " charged off '' status. How is it possible to remain in a charged off status when the last payment date is stated to be XX/XX/XXXX? 

This is inaccurate information reported. 

Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a " credit repair organization. '' Section 623 ( a ) ( 8 ).
Product: Debt collection

I sent a copy of XXXX credit report showing a birthday for the XXXX i born in the year of XXXX this is a violation of my rights but they would not send any proof this in fact was my debt with XXXX XXXX XXXX
Product: Credit reporting

I have been disputing this company for months and frankly very very tired. Now I am trying to get a rental home and pay $ XXXX/month instead of {$2000.00} / month to live in a hotel room. I request that you please immediately delete and/or update immediately the incorrect balances as Equifax is defaming my name.
Product: Credit card

When I logged into my online banking account with Bank of America on XX/XX/year>, I suddenly noticed that there has been an extra credit account listed under my name. The account is also showing past due and closed. Upon further investigation with Bank of America customer service representative, the account was open and closed within 1 month 7 years ago. Also, Bank of America was not able to provide any information as to the charges, and they are treating it as fraud charges. 

Personally, I don't believe that was a simple case of fraudulent charges.

1. I don't have any record of this account open and closed during the period they described to me.

2. They don't have any record of the charges.

3. How is this account all of a sudden showing up under my profile 7 years after it was closed.

4. The account was in delinquent, but no such information was reported to any credit agency. 

I think the government should scrutinized Bank of America on their computer record system. This incident makes me lose a lot of trust in Bank of America in how they reconcile account information and data. I feel like Bank of America found an uncollected debt and decide to just randomly sticking it their customer and hoping for a favorable outcome.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed collection accounts : # XXXX # XXXX directly with XXXX XXXX XXXX and they advised me that these false accounts " have been returned to XXXX ''. 
I have no knowledge of who XXXX is or why these disputed accounts " were returned '' to this XXXX  company, but in any case these accounts should not be reported by XXXX XXXX now so please delete these false accounts asap.
Product: Mortgage

I paid Bank of America home loans a fee for a property valuation and would like a copy of the report
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of Identity theft. I found numerous accounts of my report that were not open by me. This has been hurting me as I am in the process of purchasing a home for my family. Please remove from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This lettter is a formal written request for you to investigate the following unverified accounts listed bellow : Accoording to the fair credit reporting act, 15 U.S.C 1681 your company is required by federal law to verify through the physical verification of the original signed comsumer contract- any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email fraudulent account.

I demand to see a copy of the verifiable proof ( an original consumer contract with my signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed bellow then you must remove these accounts from my credit report and remove all none account holding inquiries in my credit report .Please provide me with a copy of an updated and corrected credit report showing these items removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize or sign for any of these inquires and by the provisions of the Fair Credit Reporting Act. I demand that these items be investigated and removed from my reports. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the address above. According to the act, there shall be no charge for this updated report. 

Thank you for your time and help in this matter.
Product: Checking or savings account

I used my debitcard to purchase a flight upgrade with XXXX XXXX they charged my account five times which took all the money I had on friday XX/XX/29 I called my bank and the merchant immediately as I had an important business trip on monday XXXX they informed me there was nothing that coulb be done as the charges were pending i would have to wait till monday leaving me no way pay for any services needed on my trip it is now wed XXXX and I still have no money in my account and i have bills due which are now late and am getting no answers other than just wait it will clearup on its own
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the persistent inaccuracies on my credit report and the numerous unsuccessful attempts to rectify this issue. I urgently request your immediate intervention to expedite the removal of these inaccurate items to prevent further damage to my credit history.

Despite submitting disputes, the inaccurate items on my credit report persist, causing significant stress and negatively impacting my creditworthiness.

I have attached supporting documentation, including dispute submissions, evidence of inaccuracies, and any other relevant information to substantiate my claim and facilitate a swift resolution.

Understanding the critical role of the Fair Credit Reporting Act ( FCRA ) in ensuring the accuracy of credit reports, I urgently request your intervention to expedite the removal of these inaccurate items.

Given the numerous unsuccessful attempts to address this issue, I urge you to conduct a thorough review of my case, identify any obstacles hindering the removal process, and take immediate action to resolve these matters. I expect regular updates on the progress of the removal process.

I insist that all relevant creditors and parties involved be promptly notified of the inaccuracies, and necessary steps are taken to ensure the swift removal of these inaccurate items from my credit report.

Timely resolution is crucial, as these inaccuracies directly affect my ability to make informed financial decisions. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX, XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$8100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/2023 XXXXXXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XX/XX/2023 XXXX XX/XX/2023.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the RECENT CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

aIn 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 168b permissible purposes of consumer reports. 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. 
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 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. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Money transfer, virtual currency, or money service

XXXX  cancelled my account after 7 years of doing business with them. Tried contacting with no way to speak with someone to try to reactivate my account. They did give a warning but ended up cancelling before I could read the alleged terms of service warning in my email. 

XXXX XXXX, We're sorry to inform you that we are deactivating your account. We reviewed your account and found transaction types prohibited by Section 35 of the Payment Terms. 
We regret that, starting today, you will no longer be able to process transactions using Square. 
Due to the unusual or high risk activity associated with your account, your outstanding Square balance will be reserved for up to 180 days XXXX but no less than 90 days XXXX, unless circumstances require that we extend this reserve period. If you do not want us to reserve your funds, you may refund the payment back to the cardholder account. 
We appreciate your having chosen Square and apologize for any inconvenience this may cause. 
Sincerely, Square Compliance Team This is a non-commercial message sent to you by Square , Inc. 
Email preferences : Please note that you may receive non-commercial email in accordance with your Square XXXX Agreement, whether or not you elect to receive promotional email. 
FAQ : If you have any questions about Square, please see our help center at : https : XXXX XXXX XXXX XXXX  : Keeping your personal information secure is one of our most important responsibilities. For an explanation of how Square protects your personal information, please visit the Square website to read our Privacy Policy.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case! 

XXXX : Account number : XXXX, My personal information was impacted by the XXXX XXXX XXXX . Please BLOCK, DELETE, and REMOVE this item immediately from my consumer report. The company is in violation of 18 U.S. Code 1028A. Thank you! 

XXXX XXXX XXXX : Account number : XXXX, My personal information was impacted by the XXXX XXXX XXXX. Please BLOCK, DELETE, and REMOVE this item immediately from my consumer report. The company is in violation of 18 U.S. Code 1028A. Thank you! 

XXXX XXXX XXXX : Account number : XXXX, My personal information was impacted by the XXXX XXXX XXXX. Please BLOCK, DELETE, and REMOVE this item immediately from my consumer report. The company is in violation of 18 U.S. Code 1028A. Thank you!