23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for the Chase - United Airlines XXXX  card on XX/XX/2924 during our trip. When we returned home, the welcome packet and our card was there waiting for us. As we were looking through the information included, I noticed that there was a misspelling of my XXXX  instead of XXXX honest enough mistake. I called in to have the correct spelling put in my profile. I was informed by the representative that it couldnt be corrected by him, and in turn, he would send me forms to fill out along with corresponding copies of Driver License, documents from a court showing the legal name change ( which there isnt XXXX because I didnt change my name ), and a copy of my Social Security XXXX. Called in today when I got the letter from Chase to explain that I shouldnt have to go through all the paperwork and documents and sending them back. All I asked for was the energy needed for XXXX keystrokes. XXXX to remove the XXXX and replace it with an XXXX  No help - cant be done - the representative I spoke with ( XXXX ) read by from her script my steps need before I could exist. So I asked for her supervisor. I was transferred to XXXX. I explained my request and again was told that I needed to go through the process. I explained that I SHOULD NOT be doing this. She apologized, but just cant happen. I then asked for retention. Got transferred to XXXX in the checking department oops. She sent me to XXXX in retention. Again I asked him to please correct the problem. Nope. Gave me the address in XXXX, Ohio when I asked who I could contact next. I asked if I was liable for any charges on my statement since the name on the account isnt mine. He said XXXX would be able to call back to dispute all charges on my statement.. REALLY???? A loophole????? I can buy but not pay???? Again I was told I was correct. 
We hung up frustrated. 
I explained to my wife what happened and what I was informed of. She had me call back to retention this time I chatted with XXXX. I asked her to PLEASE change the XXXX letters she tried, but it couldnt.. And AGAIN was told how to fill the form for the name change- so I asked her the same question I asked XXXX XXXX She also said that I wouldnt be liable for the charges. Doesnt make sense.. I would never go down that road, but I could- the crazy part is that they know of the issue- see and acknowledge the loophole,, but refuse to just change the 2 letters. Doesnt make business sense.
Product: Student loan

The PSLF application was completed and certified by my employer. I received a letter from Mohela indicating my form was incomplete because it wasnt certified by my employer. I called and the representative reviewed my form and agreed that it was completed and certified by my employer. She said she would escalate so that the mistake could be corrected. Today, I received a message indicating that they couldnt certify my application because it was signed in XX/XX/2023 and I would need to submit a new application. Thats crazy. I replied to their email that they should approve for the timeframe indicated on the form! Ill resubmit for the next time period of my employment-XXXX XXXX onward. Please help me.
Product: Checking or savings account

I have tried multiple times to close my Citi checking account. They refuse to do it by phone because they want me to provide my debit card and ATM pin, but I never set up or received a debit card. Then they ask for a security word, which I have no recollection of. They directed me to send in a written request to their bank by mail address, which I did several weeks ago, and I still have not received an acknowledgement and the account is still open.
Product: Checking or savings account

I RECEIVED A DEBIT CARD IN THE MAIL FROM CHASE AND I DO NOT BANK WITH CHASE THEY SAID THEY WERE GOING TO CLOSE IT BECAUSE THEY THOUGHT IT WAS FRAUD AND I DID GIVE THEM THE DEBIT CARD NUMBER BUT THEY SAID TO MAKE SURE I FILL OUT THE FRAUD INFORMATION
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX reported inaccurate account balance for account number XXXX on my Experian, XXXX, and XXXX credit report. I filed a dispute with this bank and the three above credit beaus on XX/XX/19 because I paid this balance in full. Nothing was done and they are still report a balance of {$400.00}.
Product: Checking or savings account

I tried to open BMO Relationship Checking account online. Provided all the information and applied the promotion code but still the application was rejected for no specific reason. I am a US Citizen and living in this country since XXXX  with credit score of around XXXX
Product: Credit reporting or other personal consumer reports

I have been sending out letters and XXXX affidavits and receiving responses that Automated Verification is showing the account accurate and being told the disputes will no longer take place after asking for evidence of the original signed contract because I made affidavits in opposition because I deny the account below is my debt, I acknowledge I have no contractual agreement with XXXX XXXX XXXX XXXX. XXXX, Transunion, and XXXX are telling me they don't have send me this proof of original contract when I had no contract or debt with XXXX XXXX XXXX XXXX and this account was created without my consent or knowledge and the account is fraudulent. 

I admit that I am victim of identity theft, thus filed an incident report with XXXX Police Department XX/XX/year> case number XXXX, Federal Trade Commission Identity Theft Report, and XXXX ( b ) identity theft report ( enclosed ). 

I admit that this has caused me mental distress because of humiliation and embarrassment and good standing credit accounts closed, and lowered XXXX XXXX which caused future denial of credit, AND emotional, financial ( injury to credit report and attorney fees, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  during these correspondents with XXXX XXXX XXXX XXXX and all three credit reporting agencies. 

I am a victim of identity theft ( SEE ENCLOSED IDENTITY THEFT REPORTS ).
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I mailed, contacted the credit bureaus challenging their violation of the Fair Credit Reporting Act on my personal credit report, until today the named credit bureau has failed to correct any deficiency and correct per compliance of the Fair Credit Reporting Act.
Product: Checking or savings account

Good evening my name is XXXX XXXX. 
I see i was given a credit of XXXX $ to receive my {$600.00} stimulus check in XX/XX/2020. I was not told said credit would be removed when i checked my acct today. My checking account is negative {$1000.00}. If i was advised or told by NFCU that this credit to access stimulus payment was temporary I WOULD HAVE NEVER WANTED IT. I DIDNT ASK FOR THIS CREDIT AND NOW ITS BEING TAKEN AWAY! I REPEAT I WASNT TOLD THIS WAS A CREDIT THAT NFCU WOULD TAKE BACK. This is the most unfair thing thats ever happened to me ... I was fine with how my acct was. With my stimulus payment my acct wouldve been negative {$100.00}. I was getting paid following week as well. I looked at my acct and thought the government was helping me out. BUT NOPE THIS WAS JUST TEMPORARY AND I WASNT TOLD IN ANY NOTIFICATION OR AT ALL. IM FURIOUS. I HAVE BILLS TO PAY and NFCU DOES THIS. SOMETHING I DIDNT ASK FOR. I DIDNT WANT THE CREDIT. SHOULDVE LEFT MY ACCOUNT!!!! THE REP I SPOKE WITH DIDNT SEEM TO UNDERSTAND WHAT I WAS SAYING! SHE TOLD ME I WAS RESPONSIBLE. FOR SOMETHING I DIDNT ASK FOR!!! IF YOUR GIVING A CREDIT TO ACCESS A GOV PAYMENT THEN BE TRANSPARENT AND SAY IT HAS TO BE PAID BACK ....!!! I WASNT TOLD THIS. THIS IS THE WORST EXPERIENCE IVE EVER HAD WITH A BANK BY FAR. I didnt ask for a credit to access my stimulus knowing they would take it back. MAKES NO SENSE ... please help me
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Subject : Dispute of Unauthorized Collection Account on My Credit Report Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Amount : XXXX Date of Account : XX/XX/XXXX I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 

In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me. 

I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, SYNCB add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit card or prepaid card

I am trying to request some statements and credit card agreement from XXXX XXXX ( Comenity Bank ). However, I am told that they are unable to mail me my credit card agreement because they are no longer my lender. I've tried requesting twice via phone on XX/XX/2021. I made a call at XXXX and I tried again at XXXX. 

According to CFPB, " By law, the issuer must make your agreement available to you upon request. If you are having trouble getting your agreement, let us know by submitting a complaint. '' For this reason, I am submitting a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( EQUIFAX, XXXX XXXX XXXX XXXX do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Checking or savings account

On or about XX/XX/XXXX I went into a local Chase Bank branch to open up a business checking account, for my newly formed XXXX. The XXXX was formed in the state of Connecticut named XXXX, XXXX. The XXXX uses a DBA of XXXX XXXXXXXX XXXX. 

The IRS registration forms showed the XXXX had a DBA of XXXX XXXX XXXX Shortly after opening the account, Chase contacted me saying they needed a trade certificate name for the DBA. I reviewed Connecticut statutes and followed instructions, showing the DBA had to be filed in the town of which the business resided in. Chase gave me until the end of XXXX to supply this document and on XX/XX/XXXX I submitted the Certified, notarized and filed trade certificate name document to them.

I did not hear anything from Chase Bank until I went to use my account on XX/XX/XXXX and found my account frozen. I contacted Chase and they told me my account was frozen because they thought the trade certificate name was filled out incorrectly. I contacted my town in which I certified, notarized and filed the document, and they confirmed the document was completed correctly. I contacted Chase Bank again and they now informed me that I needed to do an assumed name certificate with the state of Connecticut. I then contacted the state of Connecticut to find out the normal procedure in the state of Connecticut is to file a trade certificate name with the town in which the business is located in. Which is exactly what was done. There are no assumed name certificates filed on the state level.

I contacted Chase Bank again and this time I was told that the trade certificate name was not signed or notarized correctly and they were closing my account and if I wanted to reapply for another account I would have to wait 10 to 14 days. 

It seems theyre compliance department is completely incompetent and unfamiliar with state laws in Connecticut XXXX They have caused hardship and aggravation and a lot of my time to apparently be coming up with excuses as to why they would not release my funds to be used in the account. 

It took me weeks to open the account, set up vendors, bill pay and establish all the normal business connections with this account, simply for them to freeze my account, and then close it on me for no good apparent reason.

Im looking to not only have this complaint go on record for their unprofessionalism, but would like to be compensated for my time, aggravation and effort that was not necessary due to their shortcomings and lack of professionalism.
Product: Credit card or prepaid card

Hello The business card that I was approved for was to have XXXX bonus points credited to me after spending a minimum amount within 3 months. I have received only XXXX points. I have tried to call customer service numerous times and no matter the day or time, the same message is played that the wait time is greater than 10 minutes. I have been on hold longer than 20 minutes with no one picking up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to XXXX XXXX  as requested by their agents. But the issue is that the website never completely lets me finish the account setup with usual errors ( ie " failed security check '' or " site error, try again '' ) on multiple occasions. Contacting IT department of XXXX XXXX lead to nothing as the agent would " open a ticket '' and no resolution was reached. When the site actually does let me make an account, I can't submit any disputes due to further glitches and contacting IT again leads to nowhere. Last option remains to call their representatives and proceed to dispute through that but when I do call, the reps are too lazy to even properly initiate any disputes. FTC and police report numbers are not taken over the phone and are asked to mail instead. Even after mailing the said documentations over and over again via certified mail and having proofs that XXXX XXXX received it, the agents keep denying the receipt and keep hindering my attempts to fix any and all attempts to resolve this drastic information leaks on XXXX XXXX  end.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act " XXXX XXXX '' has violated my rights. 15 U.S.C. 1681 section 602A states that I have a right to privacy. 15 U.S.C 1681 section 604A states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I lost my wallet years ago as a result of that I have had fraud committed in my name several times the 1st was from XXXX the second was XXXX XXXX  the third was my Checking account at XXXX. and now this a XXXX XXXX  credit card that I never heard of for the sum of XXXX Please Help Me Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the XXXX XXXX accounts on my report multiple times. XXXX XXXX have not sent me a contract showing my interest rate nor my signature. According to the 609 ( a ) Credit if something cant be verify it must come off my credit. They will send me a summary of a account but they dont have no original documentation. I will be reporting them to the the Arizona attorney general in 2 weeks if this is not of my Credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name/Number : XXXX XXXX Account Name/Number : XXXX XXXX XXXX XXXX XXXX, Account Name/Number 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 XXXXXXXX, has violated my rights. 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 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.
Product: Money transfer, virtual currency, or money service

Hello dear, I had XXXX XXXX XXXX in my trust wallet. I was a holder. After some time, I opened the wallet and saw that they took XXXX from my wallet without my permission and put XXXX XXXX copies of XXXX XXXX in the wallet. I wrote to Trust Wallet and warned them that they have caused me a huge loss and that this is complicity with the thief. I sent them my wallet address and asked them to give me XXXX XXXX XXXX version XXXX. The reason for removing or adding money does not matter. The important thing is that the Trust Wallet has given someone else access to my wallet. I know you are an independent company. If you can take my right from them, I will give you half of the money you can get from them. It is enough that you, as my lawyer, demand my rights. I am looking forward to hearing from you. Please email me. 
Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

.I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent this letter months ago to the credit bureaus and did not receive any notices or responses regarding my concerns on my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE SEE THE ATTACHED DOCUMENTS, EXPERIAN IS REPORTING FRAUDULENT INFORMATION WITHOUT CHECKING THE REPORTED ITEM.
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my credit report and discovered several inaccuracies. 

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in their reports.

According to 15 U.S. Code 1681i ( 5 ), if a reinvestigation reveals that disputed information is inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify the item and notify the furnisher of the changes.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX, are in violation of Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. Again they need prior written instruction of the individual to whom it relates. Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974
Product: Credit reporting, credit repair services, or other personal consumer reports

I BEEN A VICTIM OF IDENTITY THEFT. SOMEONE HAS USE MY PERSONAL INFORMATION WITHOUT MY CONSENT THIS IS VERY STRESSFUL THAT IM GOING THROUGH THIS SITUATION I WOULD LIKE THIS TO BE RESOLVED SO THAT I CAN MOVE ON WITH MY LIFE THANK YOU