23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1605 Section A. Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

XX/XX/XXXX {$650.00} Commonwealth Financial XX/XX/XXXX {$320.00} XXXX XXXX XX/XX/XXXX XXXX XXXX {$160.00} These are medical bills an are on my credit report. It is violating the Hippa law. 
Please remove them.
Product: Checking or savings account

I opened a checking account with HSBC and deposited {$1500.00} on XX/XX/2018. I was taking part in a promotion that gave a bonus of {$200.00} if I kept a balance of at least {$1500.00} for 90 days. The bonus was to be deposited into my account 4-8 weeks after the 90 days. 

It has been more than 8 weeks, and I was told today via phone and chat that it would be another 4 weeks due to a technical glitch. This is not acceptable to me, but I was told nothing could be done about it. I would like the bonus to be deposited to my account immediately.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX. 
I had for many years used my XXXX XXXX XXXX  Out of the blue XXXX  issues me an XXXX XXXX card. I had Not. requested that card and called XXXX Cardmember Services. 

Per them, the said they notified me in advance that they were changing. I DID NOT RECEIVE ANY ADVANCE NOTIFICATION. Was told my XXXX account was being closed and replaced by the XXXX. I told them I don't need the hassle of changing account numbers when I do online purchases and have automatic payments. I requested my XXXX remain open and was told that it wasn't possible. I found this highly disturbing, yet, as I understand, is legal. 

This has totally disrupted my credit history and peace of mind. 
I have applied to XXXX XXXX and been accepted for a credit card. 
I'm writing out of frustration that XXXX can close my XXXX account and switch over to a XXXX  account.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Payday loan, title loan, or personal loan

Prior to XX/XX/2019, XXXX put an unauthorized transaction thru my account. My bank reversed it. On XX/XX/2019 I went and gave them a letter of revocation of ACH/Debits/Checks..and they refused to accept it. They said they don't have to revoke authorization. 

Today another XXXX transaction hit my bank account. My bank will return the item but they need an understanding of revocation of ACH. They don't feel they have to honor it.
Product: Credit reporting or other personal consumer reports

Greetings, tried to find out why my credit score drop more than XXXX points I have no late reports no collection and my utilization is excellent and my payment is excellent. The credit bureau. Cant give me a reason at all this is not fair.
Product: Mortgage

My name is XXXX XXXX, I was affected by XXXX in XXXX XXXX XXXXs and XXXX after, Im appreciative and was approved for HAF program I currently have freedom mortgage as my servicer and I let them know my HAF was pending when doing a loan modification I was approved for HAF they were paying the entire amount that was on my partial claim and extra to pay a few months and actually allow me to catch up with other bills like my XXXX electric now at risk for disconnect, freedom mortgage actually sent the HAF payment back I was dumbfounded Ive called and messaged both HAF and freedom mortgage but it seems Im in a limbo and now have no idea what is going on.! they approved me for XXXX they returned XXXX please help as this is insane and Im just getting the run around thank u XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Also I has an overage in money on mortgage they wind up keeping that as well please help
Product: Credit reporting or other personal consumer reports

I am filing to formally request the validation and verification of the above-referenced account under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). According to my credit report, this collection account has been reported by XXXX XXXX XXXX and I am disputing its validity. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this dispute because Equifax Credit Information Services , Inc., credit bureau has violated FCRA law 609 ( a ) ( 1 ) ( A ) ; " you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. '' Equifax Credit Information Services , Inc. has also violated FCRA laws 611 ( a ) ( 6 ) and ( 7 ) ; " As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher ; '' This organization has received my letters requesting that they validate debts that are in question on my credit report. They responded and stated that those debts are accurate information. I disagree completely. None of the debts listed are accurate. I have also exercised my right to request their methods of verification just as the law states and they have continued to violate the law by not providing their methods of verification information within the allowed time frame. 

Copies of correspondence between myself and Equifax, and certified mail time stamps are attached to this complaint.
Product: Checking or savings account

I cashed third party checks of my co workers the bank is asking me to verify 2 payees that are the third party. When I called chase customer service I gave the phone number to them and they check through there public record system they say they cant trace the number to that names. Those same phone numbers are registered with chase with the same names as the third party payees. XXXX XXXX account number XXXX. XXXX XXXX XXXX account number XXXX. The bank customer service also is telling me since they cant find those phone number through the public record that the payees have to register the phone numbers with the social security department which doesnt sound right. What other prove do they need they dont want to release the money to the third party directly to their own bank account. It been over a year and no progress just getting worst. No one at chase cares and are accusing me of fraud
Product: Checking or savings account

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint Against JPMorgan Chase Bank , N.A . 

Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Defendant : JPMorgan Chase Bank , N.A . 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of Incident : XX/XX/year> I. INTRODUCTION I am filing this formal complaint against JPMorgan Chase Bank , N.A . due to serious violations of consumer protection laws that occurred at their XXXX XXXX XXXX  in XXXXXXXX XXXX, on XX/XX/year>. The bank engaged in unfair, deceptive, and discriminatory conduct, violating federal banking laws and consumer rights. 
This incident involved : Wrongful detention by bank employees who refused to return my Virginia state-issued drivers license after I legally withdrew funds. 
Unfair and deceptive banking practices when the teller falsely claimed an approval issue after my withdrawal was processed. 
Discriminatory treatment, where I was subjected to excessive scrutiny due to my XXXX XXXX descent and the amount of my withdrawal. 
Violation of financial privacy laws, as Chase employees discussed my financial transaction in front of other customers. 
Emotional distress and reputational harm caused by Chase Banks misconduct. 
II. VIOLATIONS COMMITTED BY CHASE BANK The following federal regulations and consumer protection laws were violated : Unfair, Deceptive, or Abusive Acts ( UDAAP ) 12 U.S.C. 5531 Equal Credit Opportunity Act ( ECOA ) 15 U.S.C. 1691 ( Discriminatory banking practices ) Truth in Savings Act 12 U.S.C. 4301 ( Failure to provide accurate financial disclosures ) Privacy Act Violations 15 U.S.C. 6801 ( Public disclosure of my financial details ) Negligence & Breach of Duty of Care ( Failure to train employees and prevent consumer harm ) III. REQUESTED ACTION FROM CFPB I respectfully request that the CFPB : 1. Conduct a formal investigation into Chase Banks handling of this incident to determine whether their practices violate consumer protection laws. 
2. Require Chase Bank to submit an official response, outlining corrective actions and internal investigations into employee misconduct.

3. Impose regulatory penalties to prevent future unlawful banking practices.

4. Ensure compliance oversight to guarantee that Chase Bank adheres to consumer protection laws moving forward. 
IV. CONCLUSION This incident raises serious concerns about Chase Banks treatment of customers, discriminatory banking practices, and regulatory compliance failures. I urge the CFPB to take immediate action. 


Dated : XX/XX/year> Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

CFPB CASE # XXXX AVANT CASE # XXXX I applied for this Avant Credit card earlier this year. I believe around XXXX of 2022. I received the credit card in XXXX of 2022. I ordered the credit card for a trip that I was taking in XXXX of 2022. I did not know that I lost my credit card till I saw over 2k of credit card charges on my credit card in XXXX XXXX of 2022. The first and only time I used the card was at a sabarros in XXXX XXXX in DE to just make sure that the card worked. I believe that is when I lost my card. I called and emailed this company left several messages tried reaching out to them on social media and no one will help me. I also tried getting assistance from you and your company will not assist me. Now I am paying a XXXX bill that I did not make because neither your company and Avant will assist me.
Product: Debt collection

This debt collection agency never notified me of the negative information that they reported. I contacted them via phone regarding the best and they refused to have it removed being that I was never notified of any negative information that they reported.. This Debt was paid on XXXX/XXXX/2015, Experience XXXX claim they investigated and as of XXXX/XXXX/2015 the debt was still unpaid which is totally inaccurate. I paid this debt with a Mastercard and there is no way that this should still be reported as unpaid. The agency continues to report inaccurate negative information.
Product: Prepaid card

Paypal has limited my account such that I can not withdraw anything and is withholding the balance of my account for 6 months.
Product: Payday loan, title loan, personal loan, or advance loan

Original loan amount was {$12000.00} which originated XX/XX/XXXX. Beginning XX/XX/XXXXXXXX  payments started off {$440.00} and continued until XXXX XXXX  without interruption nor late payments. In XX/XX/XXXX, I became XXXX and the insurance covered 5 payments due to my XXXX. Therefore ; One Main Financial has received more than {$12000.00} in payments from me or on my behalf and as of today I still owe more than {$8000.00}. The payoff amount is being stated at over {$9000.00}. Im still XXXX and struggling to make payments and still unsure how the payoff is so high. I didnt begin to have trouble paying until XX/XX/XXXXXXXX  and according to XXXX at One Main Financial thats when things got bad on the account. Every payment I have made since XXXX I havent received any credit for and the balance continues to increase.
Product: Credit card or prepaid card

I already tried contacting Square Cash To request a Cash Card and they refused to Send me a Replacement. 
I waited a week for a response, and they ended up telling me theyre unable to verify my Identity while they actually verifed my identity. 
I am a victim of Identity theft but When I ask for a replacement card They refused to even provide that to me in my new york address. 

Over and over I get a run around and now they refuse to even respond to my email. 
I am ready to file a Lawsuit due to Non compliant Issuance of a Cash Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

After doing my taxes last year I discovered there was a credit card opened in my name. I have never had a credit card until recently. The credit card in question was opened in 2011.. ( I was in high school at the time ) with XXXX XXXX. 
After a year of reporting and dealing with credit agencies ( successfully put a 1 year fraud alert through Experian ), I filed a police report this past XXXX. I decided to file a police report because through my credit score I discovered that the credit card is still open and active. 
I have now been dealing with XXXX XXXX Fraud Department. They said there is no account with the info I provided, yet still the account is affecting my credit score ...
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I contacted Experian via Certified mail, please see attached receipt, in order to correct 2 incorrect addresses being reported on my credit profile. Today, XX/XX/XXXX, I contacted Experian via telephone because i was declined by a creditor due to address discrepancy. I thought it be more expedient to speak with a live person to assist me regarding this matter. Well I was wrong! I spoke to a representative who told me they COULD NOT remove the INCORRECT address they're associating with my name because a creditor of mine was reporting it. Unfortunately for Experian I know this to be a blatant fallacy because I contacted ALL of my creditors PRIOR to contacting Experian and NONE of them have any such addresses in my profile. Experian attempted a " boiler plate '' response to circumvent the legal responsibility before them.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX  Account Number : XXXX Inquires : XXXXXXXX XXXX  XXXX - XX/XX/year> : XXXX XXXX  XXXX - XX/XX/year> : XXXX  - XX/XX/year> :
Product: Debt collection

On XX/XX/XXXX I wrote a letter to Hunt & Henriques who is apparently working for XXXX ( XXXX credit card ). They had previously sent a letter to me stating I owe {$5500.00}. In my letter to them I requested validity of this alleged debt as well as I stated all documentation sent to my current home address was not valid in XXXX/XXXX because I was not in this home due to a court order. Any information they suggested they sent to me during this time, I never received. Plus due to much desolation, I was prescribed a few XXXX medications and was not myself. So ... I want all the information validated. Well, I received a letter back from Hunt & Henriques stating a bunch of mumbo jumbo legal stuff trying to confuse me stating " XXXX is not a debt collector under federal law. '' And XXXX need not validate the debt. '' And " XXXX is a debt collector under Ca law. '' Then XXXX is expressly exempts original creditors such as XXXX from any validation of requirement. '' At the end of the letter They state " Notwihstanding that XXXX is not required to validate under either federal or state law and that a debtor in NOT AUTHORIZED to request any particular documents as verification or validation of the debt. '' WHAT?? They said I have no authority to ask for validation. I thought it was part of their job. I am disgusted with Hunt & Henriques. They claim to be a law firm ... but I dont know.
Product: Debt collection

In XX/XX/XXXX, I signed up for a {$20.00} per month membership with XXXX XXXX. In XX/XX/2018, I told XXXX XXXX I wanted to change to a $ XXXX month membership. I tried changing the membership a couple weeks before my year was up, and they told me I needed to wait until late XX/XX/2018. Right after the year of {$20.00} per month ended in XX/XX/2018, I went in and changed my membership to a {$10.00} per month membership. I was told there was no charge for the change.

My {$39.00} annual membership fee was charged to my account on XX/XX/18. I just looked at my account and noticed I was charged an annual membership fee again on XX/XX/18. I contacted XXXX XXXX XXXX ( who recently purchased XXXX XXXX ) and was told that when I switched to the $ XXXX month membership, I was charged another annual fee because it is a new contract. XXXX, the Manager, said that my new annual fee would be in XX/XX/XXXX now instead of XX/XX/XXXX, and there is nothing he can do. If I was informed there would be another annual fee charged, which I was told would not happen, I would not have agreed to it. XXXX says he can not return the money. When I told XXXX I was going to file a complaint, he said, " Go ahead. '' Another issue is that my debit card was compromised. I had to get a new card issued. XXXX XXXX called to let me know I needed to update my account information. When they told me that there was going to be a late charge, I told them to cancel my account, I didnt want the membership if it was going to cost me extra money. This conversation happened, I believe, on XX/XX/18. I was told that the only charge to my account would be for {$10.00} and all other fees would be dropped. However, I looked at my bank account today and I have a charge for {$10.00} Club Fee and a {$20.00} charge for Club Charge - which was not authorized. So, now a couple of days after I said I did not want the membership if I was going to be charged extra money, and they promised it would only be {$10.00}, I end up with an extra {$20.00} charge and have to cancel my membership anyway! If I had cancelled it when I said I wanted to, I would not have the extra {$30.00} taken out of my account! THEY FLAT OUT LIED TO ME!

The total amount that was charged against my account, which was not authorized, and I was told would not be charged is {$59.00} ( {$39.00} extra annual fee, {$20.00} Club Charge ). However, since I had to cancel my account due to their false information, I believe I should also get the $ XXXX monthly fee that was just paid yesterday. My total amount in dispute is {$69.00}.

The XXXX XXXX XXXX  Manager, XXXX, told me that there is nothing he can do, and the charges are not going to be reversed. Very, very poor service!
Product: Checking or savings account

On XX/XX/XXXX  I received an email from Regions bank offering a {$200.00} bonus for new accounts opened by XX/XX/. The terms for earning the bonus were to deposit at least {$2000.00} within 15 days of opening the account and maintain that balance for 60 days. 

On XX/XX/2023 I opened a savings account with regions bank. On XX/XX/XXXX  I made a deposit of {$2000.00} into the account. I maintained that balance until XX/XX/. According to the terms of email I received, the bonus should have been paid out into the account no later than XX/XX/. 

On XX/XX/XXXX  I called the customer service number for Regions bank. They stated they could not find my account information and said I would have to visit a branch in person. 

On XX/XX/XXXX  I again called the customer service number for Regions bank. This time they were able to locate my account information. They stated the deposit I made into the account did not count toward earning the bonus since it was made from a Regions checking account. The email I received on XX/XX/XXXX  did not mention that internal transfers wouldn't count towards earning the {$200.00} bonus. I pointed this out to the customer service rep. They did not budge. A copy of this email is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX I WOULD LIKE THIS ACCOUNT INVESTIGATED IM NOT SAYING ITS REPORTING RIGHT OR WRONG IM JUST NOT 100 % SURE. I HEARD BY LAW YOU HAVE 30 DAYS TO COMLETE THE INVESTIGATION OR THE ITEM MUST BE DELETED. I WANT THIS ACCOUNT REMOVED IF THERES ANYTHING MISSING PLEASE INVESTIGATE FOR ACCURRACY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tryed correction this numerous times with XXXX and Clark county collection service with no luck, well this proof that im sending should clear things up. The account which was originally from XXXX XXXX has reached its statute of limitations and should show the account as closed, and it still shows as an open account. Im aware that it will still show up on my credit file, but it should show as closed now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has a old account settled in XXXX that keeps reappearing on my experian credit report and it now states its a debt from XXXX settled and XXXX balance. Its a total lie and incorrect. It was from XXXX settled way back then. It needs to be removed. Please make them remove it. Its effecting my score.
Product: Payday loan, title loan, or personal loan

I owe them {$200.00} dollars and been having financial hardship for the last 6 months, they continually harass me calling my place of employment everyday 2 and three times a day, i have already contacted the corporate previously and ask them not to call my place if employment but they still call it is stressing and depressing