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

I have a Chase Sapphire Reserve card which comes with a membership to a program called Priority Pass which allows access to airline lounges. I traveled out of the country on XX/XX/XXXX and realized when I was at the XXXX International airport that I left the priority Pass card at home. I made 4 phone calls to Chase to ask for my membership number for Priority Pass ( so that I could be allowed to enter lounges while traveling ) but eventually I was told that the department that could give me my number was closed on the weekends but that if I paid for a lounge at each of the airports I would be traveling through on my trip, using my Chase card and that when I returned I would get a refund of my money. I clarified that this was truly the case and was told that I would get refunded the money. On XX/XX/XXXX I used a lounge in XXXX for which I was charged {$110.00}. I did not use any other lounge on my trip. When I returned I called Chase Sapphire Reserve twice about this matter and received a letter in the mail each time stating that they would not refund the charge since in XX/XX/XXXX they had reimbursed {$40.00} for another lounge I used ( this was because I had not received my Priority Pass by mail in time for my trip ). I was told on the phone very clearly that Chase would refund the cost of the lounge but now I am not getting the refund. I don't think this is fair especially since there Priority Pass department is closed on the weeekends and since I pay a {$450.00} annual fee for the card to get benefits like Priority Pass.
Product: Checking or savings account

Back on XX/XX/XXXX citi bank allowed my account to be hacked and the email information as changed. When this was done the individual that hacked my account then enrolled my account in the wire transfer service and proceeded to transfer {$800.00} out of my checking 's and then another {$900.00} from my savings. I called Citi bank immediately and they advised that i had to do an affidavit in the branch and have it sent over to the investigative team. I did an affidavit for both account with a branch manager at their location near XXXX XXXX  off XXXX  and XXXX XXXX. She sent in the information and convinced me that opening a new account with them while the account was being investigated was my best bet in getting my money back sooner. I was told that the investigation would take 60 days. I got s letter then stating that the investigation was closed because I had never sent in the required affidavit which i watched her fax. So I went into another branch on XX/XX/XXXX and re opened and submitted the documents for both events. On XX/XX/XXXX I received a credit for the {$800.00} that was stolen from the checking 's but the {$900.00} from the saving 's is still in limbo. So i called the bank again and spoke to another rep and they stated that they saw that the information was identical to the one i was awarded and that he would re open it to have the funds reversed. And now today XX/XX/XXXX I a still waiting on a response from citi bank for an incident they told me should take no more than 60 days. I tried to get detailed notes from the rep that was helping me and she advised me she can only give me a first name. I asked for an employee ID and she stated she didnt have one. It wasn't until i stated that i needed detailed information for an attorney she found an employee ID. Its crazy that i took someone less than 10 minutes to steal from me but it has taken citi 17 months and counting to get the funds replaced
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Student loan

They call my wife XXXX to 5 times a day and will not stop. 

I did not know it was them calling her. U asked repeatedly last year for WRITTEN bill and explanation of the account, and all they ever said was " pay in full or else '' and " check your email? '' I have Direct Subsidized loans and unsubsidized.they claim they are not subject to the current pause on payments but will not consider letting me restart and just pay monthly. 

I asked again today about the phone calls and a paper bill and they said they will NOT stop calling EVER and the supervisor even said " maybe we should call you more often '' I can't get any explanation as to sh ythey won't forbear or defer up to last month even and let me make payments going forward. 
They are just rude and yell on the phone. When they call they have cursed at us and yelled at us and called names .... no wonder they lost their main contract! 

All I want is to be able to pay say XXXX a month for the rest if this year and have it paid off. 
I sent XXXX today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act XXXX  account # XXXX Has 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 also, states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I left XXXX for XXXX XXXX XXXX program I have my phones to XXXX and they laid XXXX to buy out my contact transition and XXXX  took it off my credit but XXXX  every other year trys to collect and XXXX keeps accepting this fraudulent debt
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns about Zelles handling of disputes, particularly in light of recent CFPD lawsuit, highlighting significant issues with the platform.Despite using Zelle, numerous times and reporting the discrepancies, my financial institution and Zelle failed to investigate my claims abequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible.The CFPDs Findings indicate has not only neglected to protect customers but has also allowed repeat offenders to exploit, the system leaving users vulnerable to scams. this lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Hi. I was given a treatment by MD without taking a consent from me and explaining that it could result charges insurance may not pay. Now collection agency Americollect , Inc is reporting this dispute to credit bureaus. I asked collection agency to provide me the proof of consent given to MD for this medical treatment but they couldnt. 
Thanks.
Product: Credit reporting or other personal consumer reports

XXXX Equifax XXXX XXXX : Factual Dispute Regarding Credit Reporting** Dear Credit Bureau Representatives , I hope this letter finds you well. I am reaching out with a heavy heart, as I must formally dispute information on my credit profile that I believe is inaccurate. 

The account in question pertains to XXXX. Under the Fair Credit Reporting Act ( FCRA ), I understand that I have the right to dispute any information I feel is incorrect or incomplete. It is deeply concerning to me that the information reported by XXXX does not seem to meet the standards of maximum possible accuracy as mandated by the FCRA. 

The FCRA includes several key provisions that support my dispute : 1. **Right to Dispute : ** Consumers have the right to dispute any information on their credit report that they believe is inaccurate or incomplete.

2. **Investigation Requirement : ** Upon receiving a dispute, credit reporting agencies must conduct a reasonable investigation of the claim and typically have 30 days to complete this investigation.

3. **Verification of Information : ** If the agency can not verify the accuracy of the disputed information, it must remove or correct it from the credit report.

4. **Notification : ** Consumers must be notified of the results of the investigation. If the dispute is resolved in the consumer 's favor, the agency must provide a free copy of the updated report.

5. **Right to Add a Statement : ** If the dispute is not resolved to the consumer 's satisfaction, they can request that a statement explaining their dispute be added to their credit report.

These provisions are crucial in ensuring that consumers like myself have the ability to correct inaccuracies that could negatively impact our creditworthiness.

I kindly request that you investigate this matter and take the necessary steps to remove or correct any inaccuracies associated with my account. I have enclosed relevant documents to support my claim, and I sincerely hope they will aid you in your investigation.

Thank you for your attention to this matter. I would greatly appreciate a prompt response, as the accuracy of my credit report is vital to my financial future.
Product: Debt collection

Collection Agency is attempting to collect a debt on a camera issued speeding violation that occurred on Interstate XXXX in XXXX XXXX, IA in XXXX of 2014, which the details of the violation are inconsistant with Chapters XXXX and Chapters XXXX code of Iowa XXXX the type of penalty ( criminal or civil ) for scheduled moving violations and who they are levied against ( owner or driver ) and the fine amount itself is not compliant with the scheduled fine structure outlined in Chapter XXXX Code of Iowa, contradicting state law and therefore is legally uncollectable. Iowa law states the driver of a motor vehicle commits a simple misdemeanor which is punishible by a scheduled fine including a surcharge, and sentenced by a sitting judge in a criminal court setting. The collection agency is treating this as a civil debt against me as the owner of the vehicle. Iowa state law does not provide any penalty whatsoever to the owner of a vehicle that is involved in a speeding violation, making this debt not legally collectable. Further more I have never been ordered to pay the amount due in any type of court ordered judgement, nor have I signed any contract nor agreed to be bound by any terms of the collection agency or the original creditor. The collection agency is illegally reporting this debt on my credit report in violation of the Fair credit reporting act ( permissible purpose ) and even attempting to collect the debt in the XXXX place is violation of the Fair Debt collection practices act by misrepresenting the legal status of a debt.
Product: Checking or savings account

On XX/XX/2023 XXXX XXXX  sent me a check for a refund that was due to me before I requested the account closure. The check was written to me ( First Name on check ) and my husband 's ( Second Name on check ). Please see attachment. I received this check around the XXXX or XXXX of XXXX and install tried to Deposit ( as I should ) into my Current Bank account. Cred.Ai and they denied the deposit for the very reason, " Payee do not match account holder '' when it actually does. Please see attachment. I called the right away after finding out the denial email and asked them for an explanation. First lady was very apologetic and set me off after she continues to say, " There is nothing we can do ''. On my second call, I found out, that there were actually something she could've done, and is, the opening of a ticket for someone higher up to take a second look. Today XX/XX/2023 I received a response from XXXX. She said the same thing everyone else is saying. 

I had made my research and there is no mention on their agreement about depositing a check from a joint account that had been closed at my request. Also, I went ahead an research the web about this same topic and I found that a joint account functions like a standard account, such as a checking or savings account, and allows anyone named on the account to access its funds. All owners can withdraw cash, write checks and make online payments. Also I found that If you have a joint account with your spouse or partner, the bank can require that both of you sign the check if it's made out to two people. If the check is written out to just one person, either person can cash or deposit the check into the account. 

All in all, If the check is issued to two people, such as XXXX and XXXX XXXX, the bank or credit union generally can require that the check be signed by both of them before it can be cashed or deposited. 

So, if XXXX XXXX  ( A National prestigious Institution ) was able to write down, both of us names knowing this is a forbidden or punishable WHY did they do so then? 

With all being said. I would like to find out what is the issue with my check being deposited into my current Bank account and if this an error I would like them to amend their Deposit agreement showing this new information. 

Check 's counting and account numbers had been blurred out for their protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since in the previous response ( XXXX ) the company did not provide me with the documents that I requested, please draw your attention to my complaint again. In the previous letter I was not provided with any of the documents that I requested. There is an unknown charge-off on my credit reports. Im requested the verification of the charge-off and the method of verification. DISCOVER BANK. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.
Product: Credit reporting or other personal consumer reports

Filed bankruptcy 2009 over 17 years ago and it still shows on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to explain during that period I was both mentally and physically XXXX XXXX XXXX XXXXXXXX to where the United States government felt that I was not capable of handling my own affairs and ordered XXXX representative. During that time the car dealership was given all of the financial information including the the awards letter, and the bank statements that 100 % said I was not in charge of my financial and still through dealership magic got me into a car XXXX just wondering that if XXXX XXXXXXXX is enough to have us acquitted of a crime or committed to a hospital against XXXX why isnt it enough to assist against the dealership that took advantage of that XXXX 

I have tried to fight and have spent countless hours on the phone getting absolutely nowhere ignored mysteriously disconnected and straight out told were hanging up on XXXX 
I can send documentation, but would like to do it through better secured email because it is information from Social Security
Product: Checking or savings account

XX/XX/23. I went to a XXXX XXXX made a purchase. store was very busy. After I purchased the items I was driving home and got an alert from chase that someone was trying to take {$1000.00} from an ATM in XXXX XXXX on XXXX XXXX. 
I immediately informed them it was not me using the card because I had just left the store with my purchase. 
I called Chase and they were going to investigate it. They said the money would be put back in 12 hours. The following day the money was in my account. Then it was removed the same day. 20 days later my account was in the red! They deducted the withdrawal on XXXXXXXX XXXX. They removed my money I called the fraud department, and they denied my claim and said their wasn't anything they could do since my pin number was used! They suggested that I wrote the pin # on the card somewhere. I would have never known if thos transition was done if they wouldn't have notified me. The ATM thst the person used has camera 's or video. Also the XXXX XXXX has camera 's on when I was in line and left the store with the people around me. Social security is my only income and they are letting this thief take my money. This is fraud. My card was stolen at some point and I have never given my pin to anyone or family member. I know I'm just an old XXXX but this bank is doing the wrong thing to me. They notified me! They knew it was fraud and have pictures who took my money out of the Atm in XXXX XXXX. Please help me collect my money back.
Product: Checking or savings account

Late XXXX I experienced theft from various areas that were a result of stolen cards and Identity Theft XXXX ( which has been reported on here ) that resulted in the theft of {$290.00} from my Dave Spending Account through XXXX ; however that is not my Account - there have been fraudulent XXXX Accounts currently struggling with as a method of theft this year. I have not given authorization, not myself for these transactions on my Dave Spending Account : XX/XX/year> {$200.00} XX/XX/year> {$91.00} Which occurred the same timeframe as other proven cases of Identity Fraud have before, most notably someone renting a car under my name and successfully picking it up with my stolen Id and a XXXX Credit Card. 


I have disputed the two fraudulent XXXX charges through Dave but my claims have been denied as no error occurring. I have little information to share back with them other than this was not my authorization, nor did anyone else have them ; but especially there have been more unauthorized charges and occurrences in other institutions and areas- that have been investigated and noted as fraudulent. All within this week of XX/XX/year>XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN CLOSED ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Mortgage

XXXX XXXX sold my mortgage to Selene finance. When I got my first statement from Selene finance, {$4000.00} was added to the balance.
Product: Credit reporting or other personal consumer reports

My account with these company 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 MONTHS REPORTING LATE 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.

This company 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: Credit reporting or other personal consumer reports

PLEASE SEE RECENT ADDITIONAL RELEASED OFFICIAL DOCUMENT FROM THE LAW ENFORCEMENT AGENCIES SINCE I WAS A VICTIM OF GROSS FRAUD. FRAUD COMES IN DIFFERENT SHAPES AND FORMS, NOT ONLY IDENTITY THEFT. The fraud that I had been a victim of was not under the category of Identity Theft. It was much bigger crime which I had been a victim of that the FBI has now taken my case very seriously which was not very common for this law enforcement agency to take the case from an individual victim.

The detective 's name that handling my case on XXXX XXXX, XXXX from the XXXX XXXX XXXX XXXX Fraud Department in California : XXXX XXXX XXXX. Direct telephone number : ( XXXX ) XXXX. The Police Report Number : XXXX. Also, please see attached copy of an actual Police Report that they released to me which was approved by XXXX  XXXX when I picked it up from the XXXX XXXX XXXX XXXX last month. 

Then, the FBI XXXX XXXX named XXXX XXXX XXXX XXXX is taking the lead of my case as of XX/XX/XXXX up to the present time. He called me on the phone and interviewed me for about XXXX XXXX XXXX XXXX XXXX