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

1 ) On XX/XX/2021 around XXXX XXXX, I called Chase Visa customer Service at XXXX. 
Chase Rep. said there is no records on the card I provided. Then transferred my call to fraud Dep. and this Chase Rep. ( her name is XXXX ) couldn't find any record either. then she instructed me to any Chase branch for further help/identification. 
2 ) the same day at XXXX XXXX, I went to a Chase Branch at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. A Banker ( XXXX XXXX ) helped me with identifying my Visa Card and my Driver 's License. I also show her the the latest Card statement. Then she made a phone call and find out this Visa Card was closed recently and said Chase will not close it unless card holder made a request. I said I didn't do it since I still have XXXX points on this account. Then, she helped me to file a complaint to Chase Complaint Dep. 
3 ) On XX/XX/2021 Chase Complaint Dep. called me and said the same thing as the 1st time ( no records on this card ). I told her your branch found it, she respond that she need to further to investigate and will call me again. 
4 ) On XX/XX/2021 XXXX XXXX ( she told me her name ) called me ( with this # XXXX ) and she said this Visa Card was closed by Chase for no/little activities on this card. I said " why didn't I receive any notice '', she said Chase did send notice. I said I didn't receive it and can you prove it. She had no answer, and I said what about my XXXX ( equivalent of {$260.00} cash ) Reward points. She said they will be no longer available since the Card was closed. I said that means Chase forfeited my reward points/money, she agreed. 
I felt Chase had very evil intention to steal client 's money by using this dirty trick.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.. I contact the credit bureau Transunion, but they did not help me, the accounts are still on my credit report and it is hurting my credit score. CFPB do something to remove XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Checking or savings account

On XX/XX/year>, I was notified that my Merrill XXXX accounts were successfully opened. By XX/XX/year>, I deposited more than {$400000.00} into each of the two accounts. According to the terms of a bonus offer, maintaining {$200000.00} in each account for 90 days would qualify me for a {$1000.00} bonus per account. 

Due to a home purchase in XX/XX/scrub>XXXX XXXX I adjusted the balances in each account but ensured that both remained above {$100000.00}. Based on the offers terms, I should have qualified for at least XXXX XXXXXXXX {$500.00} in rewards per account. 

However, Merrill only credited {$200.00} in one account and claimed my balances dropped below {$100000.00}, which is incorrect. My account records clearly show the balances never fell below {$100000.00} during the period. 

I repeatedly contacted Merrill via email, phone, and online chat to resolve this issue but received unsatisfactory responses. Despite providing proof of account balances and escalations to managers, the issue remains unresolved. The time and effort I have spent dealing with this situation have caused significant frustration. 

I am requesting immediate clarification of the bonus terms and full compensation of {$500.00} per account. Additionally, I seek compensation for the poor customer service experience caused by Merrills inaction and misinformation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sold my loan XX/XX/2020 and still reporting to my credit as an open loan and it is making my debt to income ratio at 69 % because of the open status I called twice XX/XX/XXXX and XX/XX/XXXX they told me they cant remove the info for sixty days so for that I can refinance my loan.
Product: Checking or savings account

I closed an investment account on XX/XX/2021. There was {$3100.00} in the account at the time of closure. As of today, XX/XX/2021, this money has still not been transferred to my bank account. I have asked the bank about it twice, and both times they have said they are working on an ACH transfer, but there is no reason I can think of why that would take more than a few days.
Product: Student loan

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX   and XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX-XX/XX/2016.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

On XX/XX/2022, I received a letter in the mail from BMO Harris Bank regarding a new savings account that was opened in my name. I did not open this account. I contacted BMO Harris immediately and informed them that this was fraudulent. I then filed a report on XXXX. A report pulled from XXXX showed that a fake California driver 's license was used to open this account. I provided this information to the BMO Harris fraud department. I never received a follow-up from them and was unable to speak with anyone at the fraud department despite trying to contact them several times. On XX/XX/2022, I saw on my credit report that a credit card had been opened in my name at BMO Harris bank. I did not open this credit card. I filed a police report and again contacted the BMO Harris fraud department and provided them with the police report number. The person I spoke with at the fraud department recognized these accounts as fraudulent. They also informed me that is was there policy to not contact consumer who filed identity theft claims and that I must contact them for updates. However, there is no direct line to the fraud department. I've called the main customer service line multiple times and even they were not able to speak with someone from the fraud department on multiple occasions. I also filed a dispute with the three major credit bureaus regarding the fraudulent credit card account and fake address used on my credit report. However, the all three denied my identity theft claim and stated that the credit report was accurate, despite all the evidence to the contrary.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by XXXX Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' i have already disputed these items, but the bureaus did not remove them, nor prove validation. 

XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

submitted to Equifax Credit Services, because you are reporting incorrect, incomplete information within my credit file. This item is the result of fraudulent activity. Therefore, it must be clearly noted that I am the victim of identity theft. These accounts must be ... PERMANENTLY BLOCKED and/or DELETED! 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I 'm always paying my balances with Chase freedom in full, and never had intention to pay late or not to pay. I 'm monitoring my credit report constantly, and recently found out that Chase Freedom Credit Card placed negative information on my credit report, stating that I was over 30 days late with my payment of {$78.00}. I recently moved, and did n't receive billing statements from Chase to my new address, and was n't aware of the payment due. 
I notified the post office about my move, but never received anything from Chase. 
I know that before placing my account in past due status, and reporting to Credit Bureaus, creditors usually try to contact clients by phone and or email. Chase Freedom has both : my phone number, and email, but never tried to contact me. When I found out about negative info on my credit report, I immediately contacted Chase, and paid full balance to them. I asked them to remove negative information from my credit report, but they said that they will credit me the late fee, considering my excellent paying record, but refused to remove negative information from my credit report. I feel that Chase made an error by not contacting me using other means available to them, and need to fix it by retrieving the negative entry from my credit report. 
I 'm in the process of applying for loan, and this negative entry reduced my credit score by XXXX points.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to address a persistent and troubling issue regarding the incorrect reporting of late payments on my credit report. Despite my numerous attempts to resolve this matter, I have yet to receive a satisfactory response, prompting me to formally dispute and request the prompt removal of these inaccuracies. 
I have been diligently working to rectify this issue, and it is disheartening to see that my previous efforts to communicate and correct the inaccuracies on my credit report have been unsuccessful. I am perplexed as to why my requests have seemingly been disregarded, particularly given my status as a victim of erroneous reporting. XXXXXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was a victim of identity theft and I had someone open up a fraudulent credit card in my name and it cause my credit score to drop down to XXXX from XXXX  and I contacted TD bank about this and they told me to take it up with XXXX  and I explain to TD bank that I was a victim of identify theft and they wont assist me much further and decrease my credit limit to XXXX from XXXX Ive been making my payments on time with TD bank and never been late and I dont deserve to be punish for theft mistakes I currently have a open dispute with XXXX because someone open up a XXXX credit card in my name and they are taking too long with the dispute
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to report inaccurate and fraudulent information appearing on my credit report as a result of being a victim of identity theft and XXXX XXXX. Despite my attempts to rectify these inaccuracies, the reporting agency has failed to address and remove the fraudulent accounts and unauthorized inquiries. 

On XX/XX/XXXX, I submitted a formal dispute letter to XXXX, outlining the fraudulent accounts that were opened in my name without my consent. These include : XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX XXXX- {$950.00} XXXX XXXX {$15000.00} ( Repossession ) XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX {$7700.00} XXXX XXXX XXXX XXXX XXXX {$62.00} XXXX XXXX XXXX XXXX {$280.00} In addition to these accounts, there were several unauthorized credit inquiries made without my consent, which I requested to be removed. These inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite providing evidence and documentation to support my claims, XXXX has not taken the appropriate action to block or remove these accounts from my credit report as required under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). This law mandates that adverse information resulting from identity theft and XXXX XXXX must be blocked once it has been documented. 

I am seeking immediate assistance from the CFPB to ensure that my rights under the FCRA and other consumer protection laws are upheld. I request that these fraudulent accounts and unauthorized inquiries be permanently removed from my credit report, and I be provided with a corrected credit report reflecting these changes. Furthermore, I would like XXXX to provide a written response detailing the steps they have taken to investigate and resolve this matter. 

Thank you for your attention to this complaint. I look forward to your assistance in resolving this issue.
Product: Bank account or service

My Citibank checking account was closed after a bit more than 2 months without any explanation. Sequence of events : 1. XXXX XXXX - Account opened online. 
2. XXXX XXXX - While on vacation overseas, a letter was sent to me requesting a XXXX form. I did not reply to the letter until XXXX XXXX, when I returned from vacation. 
3. XXXX XXXX - Account was closed. A check for the balance was sent to my address. 
4. XXXX XXXX - Received a message from Citibank that a new checkbook has been sent to me. 
5. XXXX XXXX - Received a message that my account is now open. 
6. XXXX XXXX - Received a checkbook. 

I made two phone calls to Citibank support and have visited a branch once. 

On the first phone call I have been told that my account was closed and that I will receive an explanation for the closure via mail. To this date I have not received mail with an explanation or even a confirmation that my account was closed. 

On the second call I was told that the message telling me I will be receiving a checkbook is related to the check that was sent out for my closing balance. That was on obvious lie, as a week later I have received an actual checkbook for an account that was already closed at that point. 

During my visit to the branch, the CSR explained that my account was closed due to some document they were missing. He could not tell me which document exactly was missing. 

To this date : - I have not received any explanation as to why my account was closed. 
- I have not even received written confirmation that my account is in fact closed. 
- I have in my possession a checkbook that was sent to me after the account was supposedly closed.
Product: Debt collection

I am writing to formally dispute the collection account listed on my credit report. I am not liable for this Debt of {$290.00} with HUNTER WARFIELD INC I did not sign a contract with HUNTER WARFIELD INC and I didnt receive Verification of the debt via the original Contract Account number : XXXX I notice discrepancies in the personal information section, which I believe is inaccurate. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to accurate and verifiable information on my credit report. I am requesting that this collection account be investigated and removed if it is found to be inaccurate or unverifiable. Disputed Account Details : Collection Agency Name : HUNTER WARFIELD INC Date of entryXXXX Reason for Dispute : 1. I have not been afforded the opportunity to dispute the account in accordance with 12CFR 1006.34 ( c ) ( 4 ) ( ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt. 2. HUNTER WARFIELD INC has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 3. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfil their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). HUNTER WARFIELD INC is flagrantly disregarding consumer protection statutes. I demand that XXXX XXXX investigate these egregious Legal Basis for Dispute : 1. Fair Credit Reporting Act ( FCRA ) : Under Section 611 of the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report. The credit bureau is required to investigate the disputed information and ensure that it is accurate and verifiable. If the information can not be verified, it must be removed from my credit report. 2. Fair Debt Collection Practices Act ( FDCPA ) : Under Section 809 of the FDCPA, I am entitled to verification of the debt from the collection agency. If the collection agency can not provide proper verification or validation of the debt, it must cease collection efforts and remove the account from my credit report. Request for Action : I request that you investigate this matter and provide me with the results of your investigation. If the collection account is found to be inaccurate or unverifiable, I ask that it be removed from my credit report. Please provide me with written confirmation once the correction has been made. Thank you for your prompt attention to this matter. I look forward to your response within the timeframe required by law.
Product: Payday loan, title loan, personal loan, or advance loan

I filed bankruptcy in XXXX and Oportun was one of the creditors who's debt was discharged in my bankruptcy. They did not contest the bankruptcy when given the opportunity After I filed my XXXX tax return, I received a 1099-C in the mail from Oportun at the end of XXXX of XXXX. The 1099-C stated that my debt was " forgiven '' when it was not, it wa

s discharged in bankruptcy. The IRS and State of NJ informed me that I had to include the 1099-C and amend my tax return. I filed all the necessary forms to show that the debt on the 1099-C was discharged in bankruptcy and therefore not taxable. Due to the way the 1099-C was issued, I've been forced to pay the IRS {$1000.00} as taxes on the money that was " forgiven '' by Oportun.

Due to Oportun 's inaccurate 1099-C, I'm being forced to pay taxes on debt that was discharged in bankruptcy. This is illegal and unconstitutional. I've tried to reach out to Oportun to have the 1099-C corrected but they refuse to do so.
Product: Debt collection

They have posted a old medical debt to my credit report. They are using a method of showing an open date of 4 months ago when this debt is over 6 years old. This should reflect on my credit report either within within charge off date or a date of service of service. They they are in violation of the fair credit reporting act and was advised of this
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 confidentially under 15 USC 1681. 

Account Name : XXXX XXXX Account # XXXX Account Name : XXXX// Account XXXX XXXX Account Name : XXXX Account # user social XXXX Account Name : XXXX// Account # user social XXXX Account Name : XXXX & XXXX XXXX user social XXXX All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins inaccurate.
Product: Credit card

On XXXX/XXXX/2016, due to a XXXX banking error, my account was temporarily frozen, causing two ACH payments to Discover to be returned. I contacted Discover before my payments were returned and resubmitted those payments via ACH ; also letting Discover know about the incident. Discover recognized the error was through no fault of my own and issued credits for the returned payment fees. However, since that incident, my account has been blocked from further making ACH payments. We are now going on 2-months without resolution. I 've talked to literally dozens of managers and supervisors within numerous departments, including Customer Service & Web Support ; and although EVERYONE recognizes that this incident is not my fault, nobody has the ability to successfully restore my ACH payment ability. I 've even sent in, via email and US Mail, an Apology Letter from XXXX, acknowledging their error. Because those at Discover can not figure out the appropriate process to restore my ACH payment ability, they continue pushing me off instead of taking the necessary time to find the appropriate channel, department or person with the authority and/or ability to correct this problem. At this point, Discover has ceased responding to my inquiries and complaints via all channels.
Product: Credit reporting or other personal consumer reports

The following accounts are fraudulent this information does not belong to me I demand immediate removal and blocking from all future reporting.

1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately.

I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt is the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original document and wet signature if you can't provide these items Delete them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is knowingly reporting false/inaccurate information due to identity theft on my credit report. I have been disputing with them for 4 years now and this is my last attempt before legal action. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate and Transunion is breaking the law.