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

Following up with previous CFPB case no. XXXX. 

The reply from Chase Bank Executive Office to case XXXX stated that " Maker issuance of the checks were verified on XX/XX/XXXX, and a request was placed to release the remaining funds of {$6500.00} from suspense. There is a 10 day processing timeframe for the funds to be released and for a cashier 's check to be issued to your address on file. ". 

However, as of the time I submitted this complaint, the check is still not yet seen. So I made a call to Chase bank on XX/XX/XXXX, they transferred me on the line a couple times and eventually the agent said he will call me back but it did not happen at all. 

XX/XX/XXXX, I made a call to Chase again, the agent told me the concerned check is still in hold. I explained him my situation that my employer 's business phone number is no longer valid, that's why Chase bank is stuck in this verification process. And then he said he can make an exception for this one as long as he can verify my employer 's phone number is of the same person as the business owner of the check. He then made a phone call to my employer right away, and he said the check is now verified, and will be issued by 4-5 days. 

But I don't trust what Chase Bank told me anymore. Actually I have already heard from Chase bank that my check is verified a couple times. On XX/XX/XXXX, I brought my employer to visit the Chase Branch at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX trying to go thru the verification process. The banker told me it was done and Chase will issue the check to me. IT DID NOT HAPPEN. 

On XX/XX/XXXX, Chase Executive Office replied my complaint on CFPB saying the check will be done processing by 10 days and mailed to my address. IT DID NOT HAPPEN. 

Today ( XX/XX/XXXX ), an agent on the hotline claimed that the check is verified and will be issued by 4-5 days. Will it happen? Should I trust Chase Bank? That are some questions I want Chase Bank Executive Office to answer.
Product: Checking or savings account

On or around XX/XX/XXXX - XX/XX/2023 i recently opened up a Chime checking account in order to receive my Tax refund 5 days earlier like Chime advertised but to my avail it didnt go as planned. I received my card in the mail within 7-10 business days, thats when the problem occurred. I tried to log into my Chime account and activate my card but unfortunately it wouldnt let me activate it it kept making me sign up for chime all over again and i thought that was strange. So i called Chime and they told me some of my information didnt match but i knew that it did and didnt understand why Chime would close my account. So for 2-3 Months now ive been sending Support @ Chime & Review @ Chime constant emails about my account and un suspend my account. My taxes did go to the account unfortunately and now its over {$20000.00} frozen and Chime wont help me. Ive sent Documentation over and over at least 30 times because ive been trying for 2+ Months to get my account unlocked. ive sent over Drivers License, Proof of address, A selfie holding my drivers license with a piece of paper with my information on it, ive sent Tax refund acceptance letters, utility bills! Nothing ive done works! No one in real life replies to me when i email Chime support or Chime review i get the same automated email messages and its very stressful. Please help me as i told Chime at the time i was facing eviction and now is currently homeless with a wife and XXXX XXXX XXXX daughter living shelter to shelter or family couch to couch because chime frozen my account and wont release my funds. please help me and my family i have no other options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get my free credit report from equifax and created an account on the website - XXXX XXXX XXXX - I created a password, and the system would not allow me to log in, and I got an message that the account was locked due to an incorrect password. I called the number on the screen ( XXXX ) XXXX and the representative - XXXX, employee number XXXX stated that he had to ask me some questions to verify my identity. He asked for my name, social security number, date of birth, address, and then proceeded to ask for some very personal information about my debt, who my creditors were and what specific amounts I owe to each creditor. I believe that was very suspicious, and I refused to disclose all that information. I asked to speak to a supervisor and was put on hold for over 20 minutes. I am very nervous because as he was asking for my information, he refused to provide his full name or any further proof that that was in fact equifax. I don't want my identity to be stolen.
Product: Credit card

my credit limit was {$250.00}, as of today my balance is {$1400.00}, of which {$1100.00} is late fees. i have been trying for over a year to get some kind of explanation why the account does NOT show delinquent but is clearly over the limit. for over a year i have been calling and every rep. has told me that it is not behind, even the supervisor has told me there is a mistake but she could not help. my credit has been affected because of this fraud and incorrect billing.
Product: Debt collection

XX/XX/XXXX is the date on the letter I got from LVNV Funding LLC. Asking me to pay the collection of {$1200.00} the account was listed under XXXX  XXXX bank. Upon originally receiving this letter which was actually mailed to my moms house not mine. I thought it was someone trying to scam me to get me to send them money. I wake up this morning XX/XX/21 to a hit on my credit report and immediately call XXXX, and credit one to open a dispute. XXXX then advised me to report it here where Ill get some sort of document to upload to them so they can proceed with the dispute. I have never been late on any payments my credit has always been great. This my 2nd time dealing with identity theft luckily the 1st time I got to it before any charges accumulated I believe last time was with XXXX  XXXX bank as well. Please someone help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became incapacitated from an illness in XX/XX/XXXX and had to obtain several in-home caregivers for 14 months. My caregivers and my sister was tending to my financial affairs until XX/XX/XXXX and at that time I took back control of my finances. I discovered at that time that my credit had been fraudulently exploited and my identity had been used to obtain several unauthorized accounts. I have reported the illegal use of my credit and my stolen identity to local law enforcements as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly on my personal credit report the Chapter XXXX corporate re-structuring Bankruptcy. This credit report should only include a personal credit history and nothing associated with the Chapter XXXX re-structuring Bankruptcy. ( Please see page 17 of the attached credit report. ) This incorrect reporting is harming my credit score. Please delete these line items from my credit report.
Product: Credit card or prepaid card

Capital One solicited me to apply for a credit card. They offered an inducement that I would receive 3 % cash back for entertainment purchases. The advertisement specifically cited " theater tickets '' as the kind of purchase that would receive the reward. I liked that offer, so I applied. I used the card at least four times to purchase theater tickets. However, I did not receive the promised reward. On XXXX spoke to XXXX ( And later XXXX, a supervisor ). She did not dispute the advertisement specified theater tickets, and she did not dispute that my purchases were for theater tickets. However, she insisted Capital One would not honor the promise. She described data processing problems that somehow caused Capital One 's system to categorize my purchases in some other way. I can accept that errors can occur in data processing, but I asked her to correct the errors. She asserted that there was nothing she could do, but that is not credible. Capital One can correct a mistake when the mistake is brought to their attention. Also, if Capital One has data processing problems so bad that four transactions in a row are mishandled, and they are unwilling to correct such mistakes when they are discovered, then it is irresponsible for them to advertise that they can identify theater ticket purchases and grant rewards. It appears to me that the truth is that Capital One advertised this offer knowing that they could not, or would not, honor it. It was just a cheap way to mislead me into applying for a credit card that was otherwise worthless to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts have been disputed on these dates for these reasons : XXXX Incorrect balance, the date reported, and the account type is inaccurate. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX/XXXX # XXXX XXXX XXXX XXXX XXXX - XXXX XXXX # XXXX XXXX XXXX XXXX XXXX - XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have filed five complaints with government agencies regarding my issue with capital one, and the company harrasses me daily. Has still offered no resolution. No complaint has provided any support or action.
Product: Debt collection

I am writing to express my profound frustration and dissatisfaction with the unresolved fraudulent accounts that continue to plague my credit report. Despite repeated attempts to address this matter, it has come to my attention that your bureau has failed to take the necessary actions to rectify this situation promptly. 
XXXX XXXX XXXX PLEASE DELETE!!! 
Under the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to conduct a thorough investigation and ensure the accuracy of the information reported on my credit file. 
My patience has worn thin due to the ongoing presence of these fraudulent accounts, which continue to undermine my ability to access credit and financial services. The time for resolution is long overdue, and I insist that your bureau takes immediate action.
Product: Credit reporting or other personal consumer reports

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. ) My Full Legal Name : XXXX XXXX XXXX | XXXX XXXX XXXX XXXX. ) My Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these inaccuracies and update the address with my above mentioned true accurate undeniably valid current correct address. 

My only phone number is ( XXXX ) XXXX - Delete any and all other phone numbers. 

I demand that my social security number and date of birth be removed from being displayed on my credit file for privacy reasons and data breaches. 

Please remove all alleged employers that are listed on my consumer 's credit report. 

Pursuant to the FCRA 15 USC 168 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy and FCRA 15 USC 1681 ( e ) ( b ), my credit report should display the maximum possible accuracy.. Not granting me my rights is a direct VIOLATION of 15 USC 1681 and all its subsections.

I am seriously concerned that the information that you are incorrectly reporting may send personal mail to the wrong address and jeopardize my identity or possibly lead to fraud if it has not already. 

Please send a letter verifying your absolute and total compliance to the above address, along with my updated credit report. 

Attached are my latest XXXX driver 's licenses which proves that I have been living at my current address " XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX '' for over 8 years.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, at my direction, the IRA custodian, XXXX XXXX XXXX, initiated a wire to to Chase Bank to make an investment. I provided the correct routing number, but the account number was copied from a Chase cashiers ' check, so was incorrect. The funds were sent and received by Chase and held in an account they own. 

When the error was discovered a few days later, XXXX, the sending bank, asked Chase to reject or recall the wire. XXXX reached out again and made this request. Chase has not responded XXXX it's been over a month. I contacted Chase directly and they said as an individual, I did not have standing to make the request, it had to come from the sending institution. 

The amount sent was {$19000.00}.
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. 

XXXXXXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

The XXXX  Credit Bureau is reporting public information that is inaccurate. I asked them to verify method of investigation and they have refused to do so. I also asked them to remove derogatory information, address is incorrect. remove accounts that are not mine
Product: Credit reporting or other personal consumer reports

This serves as a subsequent complaint regarding the outstanding accounts requiring appropriate action to ensure the utmost accuracy on my credit report. Once again, I am requesting another investigation into the following items : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$4200.00} XXXX  XXXX Balance Owed : {$16000.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Dealer Services ( Wells Fargo Auto Finance ) is in violation of the following sections of 15 U.S.C. 1681 : 1 ) 1681a 2 ) 1681b 3 ) 1681c 4 ) 1681e 5 ) 1681i On XX/XX/2018, Wells Fargo made an unauthorized hard inquiry on my credit for the purpose of auto financing. During this time, I was XXXX overseas  and did not authorize anyone to make inquiries on my credit. I attempted to dispute this inquiry with Wells Fargo as well as with XXXX  and they never removed the inquiries. Additionally, this inquiry, along with others by other corporations during this time, significantly and negatively impacted my credit score.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( 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, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Conserve Account # XXXX, and XXXX XXXX Account XXXX XXXX has violated my rights. This is my second attempt to correct this issue. Please attach proof of documents. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 2 : States a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.
Product: Debt collection

Credit Control Corporation purchased my debt from XXXX XXXX XXXX for {$2700.00}. Credit Control corporation additionally placed a collection on my consumer report without permissible purpose or consent. Credit Control Corporation also obtained my medical records and social security number without my consent or permission. Credit Control Corporation continues to harass my self, friends, and family members weekly via phone calls. 

Credit Control Corporation is in violation of the following Federal Laws : 15 USC 1681 - Right to Privacy 15 USC 1681d - Disclosure of Investigative Consumer Report 15 USC 1692 - Any Debt collector Shall not state that an Consumer owes any debt EACH VIOLATION IS {$1000.00}
Product: Credit card

I have recently received mail at my new address for this indigo credit card that I never applied for nor did I give permission to open a credit line. I contacted the company and explained that to them and they assured me that they would investigate the matter.. i continue to monitor my credit report via the XXXX website and indigo MasterCard allegedly closed the account. 
however I keep receiving statements from said credit card company stating that the card has been used and there's an outstanding bill. 
Today I receive another letter from the company dated XX/XX/year> stating that they were informing me that the transaction listed below will be reposted to your account and it's from a cash app charge any amount of {$200.00}. I do not own an indigo MasterCard nor did I apply for that indigo MasterCard. 
This was all done and opened without my knowledge or permission. I am a victim of several data breaches recently and I believe that someone has obtained my personal information and used my identity fraudulently. 
I never applied for a credit card nor did i give anyone permission to use my name I can provide documentation showing that my personal information such as my social security number address phone number physical address have all been compromised in recent data breaches.
Product: Credit reporting or other personal consumer reports

XXXX and Transunion have violated my right to privacy and I'm a victim of identity theft pursuant to USC 1028A. I NEVER AUTHORIZED these companies to report any negative accounts on my credit report..