23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I received an email from Equifax on Sunday XX/XX/XXXX stating that I'm trying to apply for credit card through XXXX XXXX  which totally not true. That same day i filled a dispute with Equifax and on Monday I contact Equifax to complain Equifax refuse to take my complain. I contacted XXXX who is credit monitor through my company to filled a complain. On Tuesday my online dispute through Equifax came back stating the information is accurate Immediately i contacted Equifax the same thing happen again refuse to help in this matter and it's affecting my credit score. Please help me.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 60 days 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 XXXX XXXXXXXX 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 XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute The charge of account reported on my credit file upon reviewing my credit report. I noticed that this creditor has reported a charge of under this account, which I believe to be an inaccurate, incomplete or unverifiable Under the fair credit reporting act ( FCRA ) 611 ( 15 U.S.C ) request a re-investigation into this account and that you verify its accuracy. if you can not provide a sufficient proof that this is charge of account is accurate in full validated I request its immediate removal from my credit report. Please provide a verification of charge accurately including the original contract with my signature proof that the debt is valid, including a full itemized accounting of how the balance was calculated documentation that the charge was reported correctly and in compliance with credit reporting loss lastly, confirmation that the creditor followed the proper reporting process, including notice sent to me before the charge was reported
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Credit Bureaus/Agencies ( Experian and XXXX ) and the Creditors ( XXXX XXXX ( 2 ) and XXXX  ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Credit reporting or other personal consumer reports

Ive had enough of the errors that keep appearing on my report. These inaccuracies are damaging my score, affecting my financial stability, and cutting off opportunities Ive worked hard to earn. Its infuriating and draining to be held back by someone elses mistakes.
Product: Debt collection

I have XXXX home internet .... one modem one line one bill ... XXXX has submitted another account in my name to a collection agency and to a lawfirm trying desperately to get me to pay {$350.00} on a account that doesn't belong to me. They also have the absolute worst customer service department on the face of the planet. They have refused to resolve this issue. When I first got the home internet I had to send one modem back because they sent me one and I got one from the XXXX store. I spent one hour on the phone with XXXX customer service in the ups store trying to get a return label for the extra modem. They couldn't get into my account because the pin on the account wasn't set up .... and they couldn't set it up. So I drove over to the XXXX XXXX and asked them to send it back. They said they usually don't do that but since I had an issue with customer service they gladly sent it back for me. Then a few months later I had problems with my modem. I diagnosed the problem myself to be a faulty power cord. I spent over an hour trying to explain that to XXXX customer service and they said they would send me another cord. That was the most successful call this whole time I've had XXXX ... .. so I thought. When the box came in and I opened it, it was a XXXX phone battery. I had to contact customer service yet again and to resolve the issue they just sent me a new updated modem and had me send back the old modem and XXXX battery. Then I received a letter saying I owed money on a bill when all my bills were paid. I noticed the letter had a different account number but had my name. I went to the tmobile store so they could assist me in figuring out what has happened. They found that there were 5 different accounts in my name and were unaware of how this could happen. We spent a good amount of time on the phone with customer service, again. The customer service rep stated she was gon na delete all accounts except my actual account and credit my account $ XXXX thought everything was fixed and internet was great and bills were paid and everyone was happy. Then, I received a letter in the mail from a collections agency stating that the account that I thought was deleted was turned into them and I needed to pay {$350.00}. I disputed the claim and XXXX said their information was correct. Then I received a phone call and a letter from a law office attempting to collect the dept.To this day. The issue is still not resolved
Product: Checking or savings account

After strongly encouraging customers to use online banking services rather than banking at physical branches, JPMorgan Chase has more recently begun trying to entice customers to go paperless ( i.e., to receive all of their communications, such as monthly statements, online only ). I have always tried to decline that option, but Chase makes it very difficult to do so. Recently, Chase has taken its attempts to force paperless on its customers to a new level. Specifically, when I signed on to my account several days ago, I was greeted by a screen that required me to accept Chases Online Electronic Disclosure and Consent and its Digital Services Agreement BEFORE I could access my bank accounts- checking and savings - or my credit accounts. Moreover, one of those documents was 10 pages long ; the other was 125 PAGES! Which I was apparently expected to review in a 5-inch phone screen. 
Its unfair, deceptive and abusive to advertise the ease and safety of electronic accounts while enticing people to sign away important rights they would have in a non-electronic environment, especially since Chase has knowingly fashioned the signup process such that not one in a hundred reasonable consumers will read - or understand - whats happening. And, if a customer chooses not to agree to this surprising, one-sided and completely non-negotiable agreement, what then? Does the customer have any recourse other than to periodically appear at a brick and mortar branch - which Chase has been actively discouraging its customers to do for years - and request a transcript of their accounts? Indeed, a customer who previously consented to paperless delivery can not even access their account to rescind that consent in order to receive the agreement by mail, at least not without first agreeing to the terms of Chases 125 page agreement. How is this fair? Or ethical? Or even legal? 
This is especially frustrating because, after being hacked many years ago, the banks fraud prevention officer advised me to check my account - every day- to help identify and prevent fraudulent activities. And, for the most part, I have done so. Until now. 
These types of sharp business practices, which inure entirely to the benefit of the bank, should not be tolerated.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX for unauthorized and inaccurate reporting on my credit report. Specifically, a charge-off amount of {$4900.00} was reported by XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, which is not only erroneous but also violates several federal laws designed to protect consumer rights. Violations of the Fair Credit Reporting Act and Related Regulations 1. Violation of 15 U.S. Code 1681c-2 : As a victim of identity theft, I have informed the credit bureaus of this issue and requested the removal of the fraudulent information. According to this statute, a consumer reporting agency is required to block the reporting of any information resulting from identity theft no later than 4 business days after receiving such notification. It has now been 30 days since my notification, and this information remains on my report. This delay is a direct violation of my rights under this provision. I demand that these items be deleted from my credit report IMMEDIATELY. 2. Violation of 15 U.S.C. 1681a ( 2 ) ( A ) ( 1 ) : This statute specifies that no income, transactions, or experiences should be reported on consumer credit reports. The entry by XXXX XXXX includes information related to income and transactions that are unauthorized and not permissible under the FCRA. 3. Violation of 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : Under this section, a consumer report may only be furnished under certain specific circumstances, such as in accordance with the written instructions of the consumer. I have never provided written consent to any consumer reporting agency to report the information in question. Reporting without my consent constitutes identity theft and a violation of my rights as a federally protected consumer. 4. Violation of 15 U.S. Code 1602 ( p ) : This provision defines the terms related to credit and associated transactions. The reporting of a charge-off amount does not meet the criteria for reportable information under this statute, and therefore, it should not be included in my consumer credit report.
Product: Credit card or prepaid card

XXXX   XXXX  2017  Someone hacked into my account both email and debit card with Chase bank. I told Chase and they cancelled my card gave me a provisional credit I thought would be end of it. I told them it was not made nor authorized by me. Recently Chase reclaimed the $ XXXX  saying something was delivered to my address. I never got anything.
This is their file on my bank account 

  XXXX   XXXX   , 2017  	   XXXX     XXXX  FL  XX/30 
  XXXX   XXXX  2017 	Reversal:  XXXX   XXXX  FL
  XXXX   XXXX   , 2017	Cl aim reversal:  XXXX   XXXX  FL

From  XX/XX/XXXX  to  XX/XX/XXXX  today I emailed on secure server. I give up with Chase.

Last

This I recently discovered.


Regarding the $  XXXX   fraudulent purchase not made by me in  XX/XX/XXXX , I have new info to share with you.

I can't give you any other proof, except today I discovered I was still infected from  XX/XX/XXXX .

Today I downloaded a program called   XXXX   XXXX  , but I was afraid to give my credit card info because of still being infected.

Instead I used the program to show me what registry keys were infected as well as two browsers. And I manually took out a total

of  XXXX  objects   XXXX   XXXX    detected. It took me over 5 hrs to do.

The things I was infected with all along are as follows 1]  XXXX  it says it disrupts pc operations, gathers sensitive info

2]   XXXX   it says it exploits vulnerability and security flaws malicious website and email downloading attachments to steal

your private info.  3]   XXXX   similar to # 2. 4] Malware.  XXXX   hijack browser and search results These 4 are severe category.

Next list are moderate severe 5]  XXXX  6]  XXXX .it search hijacks browsers. 

Now less severe category 7] Adware Helpers 411 infections.  More Adware programs 8] Adware.  XXXX   46 infections.

9]Adware.  XXXX   XXXX   XXXX  ,  10] Adware.  XXXX   11]Adware . XXXX  12] Adware. XXXX   XXXX  infections .

Please look up these things on google to verify they are what I say I removed.

At this point because of what I found today if you don't reverse the reversal charge I will be filing a complaint

against Chase with the cfpb.


And if you force me to do that I will also be looking for another bank sometime later this year.

I can not do business with anyone who insults my integrity and honesty.

This email was sent to 

To: " XXXX "  
Sent: Saturday,   XXXX   XXXX   , 2017   XXXX   XXXX 

Chase isn't listening to me. So I'm filing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact us bank credit department 9 times trying to get them to provide accurate information to my credit report and as of today XX/XX/XXXX they have refused. below are the dates and times I have contacted them. trying to resolve this issue XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( supervisor ) XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX
Product: Checking or savings account

Some 1 paid me with a closed account on their company check and it froze my account for XXXX dollars. When I tried to repay it they sent it to a creditor and they are unreachable to resolve the issue, this happened in XXXX. And now I can't open my business account im on my wife 's account but unable to open my own.
Product: Credit card

Ive did an application for a credit card XXXX XXXX XXXXXXXX and was rejected. Isnt my failed application a promissory note? So that means you can take my securities and sell them to a third party, therefor I shouldnt have been rejected. Then that means its securities fraud. Especially under an open-ended consumer credit plan.
Product: Mortgage

In XX/XX/XXXXXXXX  when we completed a mortgage with XXXX, now Newrez, they assured us that the mortgage insurance payments would be removed from our monthly bill when we reached the minimum percentage of home cost. That event occurred six months after the mortgage was initiated but XXXXNewrez did not make the adjustment. When I discovered the problem in XXXX, Newrez said they would fix it and look into the possibility of reimbursement. After numerous attempts on my part to contact them, Newrez hasnt resolved the problem. Moreover, their mortgage statements do not identify mortgage insurance amounts so it is difficult for a consumer to know.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX 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 XXXX, XXXX, XXXX, AND XXXX 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: Checking or savings account

Capital one closed my account due to ( too many bank transfers to myself ) and said they don't have a time line on when my funds would be released could take a couple months is what i was told.
Product: Debt collection

I was told this collection account can and would be removed and it was not -- -delete it. 
Violations -- -XXXX XXXX -Does not show XXXX balance. Does not show paid. XXXX 2015 and XXXX 2015 monthly reporting indicators state " failed to pay '' -- -delete it. 
XXXX -- -States date assigned XXXX 2015. -- -delete it. States open -- -delete it. Payment status states late 120 days -- -delete it. Type of loan states XXXX XXXX -- -delete it. States delinquency XXXX reported XXXX 2015. -- -DELETE it. 
XXXX -- -States XXXX failed to pay /late '' in XXXX 2015. 
Please advise the above XXXX + violations.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction regarding the handling of disputes I have submitted to XXXX, XXXX, and Experian regarding inaccurate information on my credit report. Despite my efforts to rectify the inaccuracies by detailing the accounts and violations in my consumer report, I have yet to receive any response from your organization within the stipulated 60-day period.

Enclosed with this letter are copies of all correspondence sent to your respective bureaus for your reference and review.

It is imperative to note that your failure to respond within the designated timeframe is not only a breach of the Fair Credit Reporting Act ( FCRA ) but also a violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, your failure to validate the collection account in question is in direct contravention of FDCPA 809b, as confirmed by the Federal Trade Commission ( FTC ) opinion.

Additionally, it has come to my attention that the reporting of the account 's last activity violates 605 ( c ) of the FCRA. The reported date does not accurately reflect the last date a payment was made, thus further exacerbating the inaccuracies present in my credit report.

I hereby demand immediate action to rectify these violations and update my credit report accordingly. Failure to do so will leave me with no choice but to pursue legal recourse to ensure compliance with federal regulations. 

I anticipate your prompt attention to this matter and expect a timely resolution. Please acknowledge receipt of this letter at your earliest convenience. 

Thank you for your attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in 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 XXXX XXXX XXXX
Product: Credit card

A fraudulent application for a credit card was submitted by someone else under my name. It was for Capital One and I did not apply for the card. I also do not have any current accounts with the institution. 

I received official letters to complete the application process online but I never applied in the first place.
Product: Checking or savings account

1- I opened robinhood spending account, brokerage account, and roth IRA in XXXX of XXXX 2 - On XX/XX/XXXX at XXXX I received an email from Robinhood with subject line " We received your message '' - ( I did not send any message to prompt this ) 3 - Shortly after email received noted above, I received another email also at XXXX stating that my accounts have been suspended, and I am not allowed to make any withdrawals to any of my linked accounts. 

4 - I had set up my employer to direct deposit a portion of my earned paycheck into my Robinhood account and was not allowed to access the money I counted on for day to day spending. This money was not accessible to me during the " investigation '' process. 

XXXX - I assert that Robinhood 's resolution process put me through undue burden and duress. I was forced to provide a bank statement for an account that was closed in XXXX of XXXX, copy of driver 's licence, and multiple calls made without adequate explanation or resolution. ( I was told they couldn't tell me the reason that prompted the whole ordeal in the first place ) 6 - Above issues were MOSTLY resolved after an incredibly frustrating process, however Robinhood still will not release/make available the funds that still remain in my roth ira account XXXX They have asked for a bank statement which was provided over a week ago. Then they asked for a copy of my driver 's license. It has been over a week since both were sent in, and no follow up from Robinhood. 

7 - I submitted 4 requests for customer support today through the Robinhood app. The first two requests got cancelled from their system and I wasn't called back. My third request for a call back resulted in a message on the app saying that the team I need is only accessible via email, and that I had to reply to an email he was going to send. 4th attempt at a call back resulted in someone calling back from the options trading team, who again said the team that could help me is only accessible via email, then became annoyed with me when I was asking how long it would take to hear back from them, and then he threatened to lock my account for being an irate customer. 

Not only have they effectively taken my money hostage, but they are making me jump through hoop after hoop without even telling me when they'll get back to me, or not even replying at all. How can a financial institution actually dodge a customer 's phone calls?