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

Background I am writing to file a complaint regarding a recent issue I have with Chase Bank and XXXX XXXX XXXX XXXX. I am a business school student, and I organized a school trip to XXXX in XXXX. During the trek, I paid some expenses on behalf of XXXX, a travel agency. I received a check from XXXX. to settle the expenses after the trip. However, since XXXX. changed their address after issuing the check, they manually corrected the check. When I brought the check to Chase Bank, they told me it might not be processed because it had been manually altered. However, XXXX told me that it could be deposited since they could approve it. So, I deposited the check. However, the check was suspected of being fraudulent, and my account was suspended and is now closed. 

Actions On XX/XX/XXXX, I realized that my bank account was suspended. Since then, I have spoken with a couple of branches, back office, and fraud department of Chase Bank multiple times, but they told me that the only way to verify the check is to provide Chase Bank 's back office with XXXXXXXX XXXX phone number that matches their database and have them call XXXX to confirm if the check is correct. I provided all of XXXXXXXX XXXX phone numbers, but none of them match the database. XXXX  does not have any transactions with Chase Bank, so we don't know which phone number is in the database. When I asked which phone number it is, they told me they didn't know and could not tell me. I also tried to let XXXX  and their main bank, XXXX  XXXX XXXX, call but Chase Bank said they can not pick up the call because this is about my personal information. The branch agreed that the check was obviously correct, so they filed an official complaint with the back office, but the response was still the same. 

Amounts My bank was closed, so I can not see the exact amount now. However, the amount of money in the closed account was around $ XXXX. 

Thank you for your support and attention to this matter.
Product: Credit card or prepaid card

I WAS CHARGED FOR SEVERAL CHARGES ON MY CAPITAL ONE MASTER CARD. I CALLED INTO CREDIT CARD TO FILE FRAUD COMPLAINTS AND THE CREDIT CARD COMPANY SAID THAT IT WAS TOO OLD AND THEY COULDNT HELP ME, WHICH I DONT UNDERSTAND BECAUSE CHARGES WERE SUPPOSE TO BE FILED IN FRAUD BACK IN XX/XX/XXXX AND XX/XX/XXXX WHEN I FIRST SEEN THESE CHARGES ON MY STATEMENT AND I REPORTED THEM RIGHT AWAY, BUT NOTHING WAS DONE. PLEASE HELP ME TO GET MY MONEY BACK FOR THESE FRAUD CHARGES ON MY ACCOUNT. I AM A XXXX XXXX AND I LIVE ON A FIXED INCOME AND I HAVE BEEN NEEDING THIS MONEY BACK FOR A VERY LONG TIME NOW. I WILL LIST ALL THE CHARGES ; XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX THIS IS A TOTAL OF XXXX THIS IS ALOT OF MONEY THAT WAS TAKEN FROM ME. PLEASE TAKE INTO CONSIDERATION MY REQUEST FOR RECOVERY OF MY FUNDS. THANK YOU
Product: Bank account or service

Today I had an appointment at the Santander bank on XXXX XXXX NJ to transfer over my XXXX XXXX account. We had an appointment for XXXX so XXXX XXXX told us the guy that handles this told her that he was still in the XXXX office and will be late. We waited over an hour for him to come. When he came he decided to help another customer instead that had an appointment at XXXX. I knew he had an appointment for XXXX because I heard XXXX talking about it. When he finally came to talk to us, he said that XXXX told me why we were here and all he his to do is open a new account. I then told him that I noticed what he did and he took that other appointment before us and he said " And your point is '' I asked him if this is how he does business and he ignored me and said " so do you want to open this account ''. He was very unprofessional and did n't bother to discuss the details of our transcation. I then processed to tell him, that you just came in here and did n't discuss anything with us and now your telling me all I have to do is open a new account. I believe this was horrible customer service and for this reason, I walked out of the bank without anything resolved. I am now considering going to another bank because this was horrible.
Product: Checking or savings account

Compass bank is closed my irs check went into acct number XXXX XX/XX/2022 but they cant help because Pnc bank bought them out and they cant give information about the bank acct. Im trying to recover my {$3900.00} income tax refund
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to incorrect items on my consumer report. It has been well over 30 days and I havent received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX on XXXX XXXX I noticed on my credit report some inquiries that I did not authorized the first one I see is XXXX XXXX  on XX/XX/XXXX. The second one is XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. The third one is XXXX XXXX XXXX XXXX on XX/XX/XXXX. The third one is XXXX on XX/XX/XXXX. the fourth inquiry was XXXX XXXX on XXXX on XX/XX/XXXX, XX/XX/XXXX. I would just like for the inquiries to be removed thanks.
Product: Debt collection

XXXX online college scammed me out of student loans and Pell grants I never received and now being charged {$300.00}. The account was removed from my credit report and then put back on my credit report all within a couple months time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Follow-up to XXXX. Experian is stating " The company '' they use to verify the data verified a disconnected phone number and refuse to provide the source of the verification. This is dishonest as i've opted out of XXXX so not disclosing how they received this information is illegal. Public record needs to be removed if they can't verify the information. Actual phone for court is XXXX XXXX XXXX as opposed to the incorrect and disconnected number of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, AM A VICTIM OF FRAUDULENT ACCOUNTS REPORTING ON MY CREDIT PROFILE, THAT NEED TO BE REMOVED IMMEDIATELY. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being presented to my personal credit file. The XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, a debt validation letter was sent to XXXX XXXX via certfied return receipt mail pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. An account appears on my credit report that they allege I owe their company. XXXX XXXX never provided PROOF that they are legally able to collect any monies from me even after I sent a second debt validation request on XX/XX/2022. I have NEVER conducted business with XXXX XXXX ; therefore, they are in violation of the FCRA and FDCPA as long as this account remains on my credit report. 

A Dispute and Deletion letter request was subsequently sent to TransUnion after XXXX XXXX failed to validate per law that I am legally obligated to pay their company ( Tracking number XXXX ). The letter was received more than 30 days ago. I never received a response from TransUnion and the account is still showing on my credit report. TransUnion is hereby legally obligated to remove the XXXX XXXX account per law as a result of failure to respond within the allotted time frame ; therefore, I want the account deleted immediately from all credit reports in order to comply with the FCRA and FDCPA laws.
Product: Checking or savings account

I have XXXX savings accounts with USAA. In XXXX and XXXX of XXXX, they debited my accounts in error. It took several phone calls & several hours on hold, but on XXXX XXXX, XXXX, a USAA rep told me that my accounts would be credited back for the unauthorized debits with effective dates retroactive to the dates the errors occurred & that the interest earned on both accounts would be corrected to reflect the correct balances for XXXX and XXXX without their errors. I was told the corrections would take 3-5 business days. Finally, the errors were reversed ... but using the date XXXX XXXX, XXXX, not the dates the errors occurred. The interest was not recalculated. 
I have, again, spent hours on the phone trying to get my accounts corrected to show the proper interest I was due. ( XXXX XXXX, XXXX, was my last phone call concerning this. ) My accounts have not been adjusted for the correct interest earned as of today, XXXX XXXX, XXXX. 
The amounts involved are minimal, but it is my money, not theirs! I wonder how may other accounts have had errors with USAA cumulatively earning many dollars in ill-gotten profits from this practice. 
I do not have the capability of attaching documents to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are fraudulent and unverifiable. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Listed below are the inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX MO XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, CF XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

In  XXXX   XXXX  an agreed rate was established for nightly hotel rate with  XXXX   XXXX   XXXX ,  XXXX  Texas. The rate was {$88.00} per night plus taxes through the end of the year. The charges were all made correctly until the last week in   XXXX   XXXX  , checkout on   XXXX  . I checked in and immediately noted the rate was wrong and indicated as such on the checkin document signed. I was told by the hotel during my stay and upon checkout that the rate would be corrected. The rate was never corrected and the accounting/front desk manager  XXXX  never responded to me during the stay or subsequently. I filed a dispute with Chase and  XXXX   XXXX  sent the document showing that I clearly noted the correct rate and a document showing the incorrect charges. I am attaching numerous weeks prior showing the correct rate and the documents that were sent to Chase by  XXXX   XXXX .  Chase  merely ignored the documents sent to them by  XXXX   XXXX  showing that the rate was clearly wrong and that  XXXX  would resolve. At the end of the day, Chase did nothing about the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Experian and XXXX on XX/XX/2022, XX/XX/2022, XX/XX/2022 about inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me.
Product: Credit card or prepaid card

I am being charged an XXXX amount every month for {$10.00}, I do not have an XXXX  nor do I have an XXXX account. I addressed this with customer service, they denied my refund on XX/XX/2023, I have accrued 4 new charges since this date, for a current total of {$42.00}.
Product: Credit card or prepaid card

date XX/XX/2021 I was the victim of identity theft. Someone opened up a credit account at Kickoff lending llc in my name. The reason Kikoff lending llc should be punished and looked at is due to the fact that I have and have had for some time a fraud alert on my credit report with all 3 credit bureaus currently. I also have a security freeze on all 3 credit reports at XXXX, XXXX  and XXXX XXXX. Kikoff lending llc NEVER attempted to verify my identity before they let someone open an account in my name. My fraud alert clearly states that a lender must verify my identity at the phone number listed before any accounts can be opened. Also, if you look on their website at Kikoff.com under support center then credit score then article on does a security freeze affect Kikoffs ability to report payments or open new accounts? No, a security freeze does not impact our ability to report payments or open new accounts. If a customer has a security freeze on their credit, we will still report their kikoff payments. this is inuriating that they let someone open up an account in my name without verifying my identity even with a fraud alert and security freeze on all 3 of my credit reports.
Product: Debt collection

I've received a call from number ( XXXX ) XXXX on Friday XX/XX/2020 by a woman who did not want to name her company but told me my full name and the last four digits of my social security number. I hung up the phone and the next day XX/XX/2020 I get a credit score notification that I owe {$1900.00} by a collection agency XXXX XXXX by a synchrony bank opened XX/XX/2020. No knowledge of any of this and I do not believe this is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit scores on a regular basis as I am trying to increase my credit scores. On XX/XX/2020 XXXX and XXXX increased my scores but Equifax took 29 points off for a credit card increase of {$3.00} dollars. I pay my bills on time reflected on XXXX XXXX 100 % and most cards have decreased due to Covid and not going out of the home. Attached is the report. Who makes these decisions? This is a bogus and gauging of points during a Covid crisis when people are without jobs and desperate. I have been diligent and paid my bills but 29 POINTS is obsurd!! It will take me a year to get these points back. The only change new on my account is one card had a {$3.00} dollar increase. Who makes these decisions, has the power to crush people. I'd like to know!!!!
Product: Credit reporting

I have filed for Bankruptcy Chapter XXXX back on XXXX XXXX, 2013. Discharged on XXXX XXXX, 2013. All accounts should be showing Chapter XXXX bankruptcy on my credit report, however last month I discovered that my XXXX XXXX XXXX account was reporting as 'Opened ' and 'Late '. When I filed a dispute with Experian, the results came back as a 'Collection ' item. Item was NEVER placed into collection. It should be part of bankruptcy. Please help.
Product: Credit reporting or other personal consumer reports

Account name : XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX {$1300.00} is not my account. I have never open this account and it was not authorized. Account name : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2100.00} is not my account. Also says this account had been bought so it shouldnt be on my credit report plus it was not authorized. Account name : XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance {$1100.00} is not my account. Account name : XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance {$240.00} is not my account and was not authorized. Account name : XXXX XXXX XXXX  XXXX has been paid and should be off my account. Account name : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$240.00} is not my account and was unauthorized. Account name : XXXX XXXX XXXX is not my account.
Product: Credit card or prepaid card

In XX/XX/XXXX I began disputing charges using Barclays Arrival mobile application as I was unable to reach a company representative by phone and put a HOLD on the card. 

XX/XX/XXXX contacted Barclays using their secure message system, disputing new charges from XXXX XXXX XXXX. Received a reply at XXXX ( attached ) requesting that I call them and that they had placed a " hold '' on the account until they hear from me. 

XX/XX/XXXX mailed a letter to Barclaycard Arrival XXXX XXXX XXXX XXXX DE XXXX disputing all charges from XXXX XXXX XXXX  and requesting the account closed. 

I was able to talk to a representative after receiving the XXXX statement which included charges from XXXX XXXX XXXX  posted to the account after it had been placed on hold. The representative did close the account as I requested but failed to follow up on the fraudulent transactions posted on XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Experian to correct my name. They refuse to. I asked them to verify XXXX XXXX XXXX and/or remove them. They refused to. I tried to verify it myself and USPS sent it back unable to deliver, unable to foraward. I asked them to remove bankruptcies that were filed but never finished due to bad legal advice and they refuse. I asked XXXX to and they researched it and removed it.
Product: Debt collection

I have a XXXX balance with XXXX XXXX hospital that I have been making payments on. I am unemployed due to covid and have been making payments when I can. XXXX XXXX is still allowing me to pay the bill with them on their bill paying service via XXXX XXXX and they also send my account to a collection agency LJ Ross association. So both companies are trying to collect on the same debt. I have repeatedly told LJ Ross that I make and have current payments with XXXX XXXX but they continue to call me 3 - 4 times a month 3-4 times a day. I have told them numerous times to stop calling me. I also spoke to XXXX XXXX as well and they were very rude to me and told me they could not stop LJ Ross from calling
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 transaction ( XXXX ) that I have made. It is the result of identity theft XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 an account without my written instructions. ''
Product: Debt collection

XXXX XXXX XXXX took over my loan from XXXX and reported late payments when the payments was sent to XXXX. they then charged off my accout as bad debt which has negatively impacted my score. i need the accout deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this claim as I have disputed this account with Transunion. 

dispute # XXXX on XX/XX/2022 I was disputed the validity of the debt. I dispute first and for most the validity of the account. This was for XXXX treatment and I had {$2000.00} XXXX benefit with with my dental insurance. I was responsible for the remaining balance. In the end after insurance payments and all of the monies I owed. I think I may have owed 1 or 2 payments of {$120.00}. The second part of my issue is the legality of the interest rate according to my " Patient ledger ''. According to the ledger they show me as being behind {$530.00} and then shows a collection fee of {$530.00} is according to Florida statute XXXX a collector medical or otherwise can not charge more than 18 percent. So how they can legally double the charge is beyond as a collection fee is beyond me. I have disputed this with Transunion and it comes back as verified accurate, however when I reach out to the medical collectors office they tell me they can not discuss with me because they have requested and yet to receive documents from the XXXX office. I called the XXXX office and spoke with lady at who picked up the phone ( 2 times ) for about 20 minutes each time and she can not manage to understand how the balance is what it is either. Either way the account is causing extreme adverse on my credit profile and I would like this account deleted immediately. There is also a medical provider complaint being lodged against XXXX 's office.