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

On XXXX XXXX 2017, I went to BB & T at XXXX XXXX XXXX XXXX drive thru. My intent was to simply cash a check and to make a cash deposit into my checking account. The original teller asked what did I need help with and she was given the above request. She walked off and another teller named XXXX came to the Window. She took the  check and cash and make a deposit. When she gave me a receipt, I reiterated that I wanted to cash the check and only deposit the cash. She apologized and stayed she would void the transaction and re-do it. After this was done, she finally have me the cash from the check and she said other the money had been deposited as it originally should have. I drive off and continue on with my day. I check my account a few hours later to find out my account was overdrawn the actual amount I made the deposit for. I called the bank manager XXXX who stated she would call the operations manager and have my money reinstated to my account by end of business day. End of business day comes and I did not hear from XXXX nor any one from BB & T. As the consumer I was extremely upset because I had employees to pay which did not get paid and also accumulated late fees on bills that 's were due that day. BbandT finally refunded the money but was short {$100.00} of the original cash that was given to the teller and it also did not include the overdraft fees. I had to call XXXX back once again who said she would fix the problem. The overdraft fees finally were refunded but still missing the full amount originally deposited. I went into the branch and spoke with XXXX branch manager who could not clearly explain what happened to the rest of my refunded money. She referred me to operations manager who also did not refund the money. I also asked that the cameras be pulled and and interview with the teller that created this disaster. Still nothing and they refuse to refund the missing money. I will never recommend or bank with the financial institute ever again and I will not stop making complaints until my money is refunded!
Product: Money transfer, virtual currency, or money service

XXXX XXXX, Chief Executive Officer JP Morgan Chase Cooperate Offices XXXX XXXX XXXXXXXX XXXX XXXX New York XXXX XX/XX/2021 Mr. XXXX, I am writing to you in hopes that you will be able to assist me in a fraud matter that took place on XX/XX/2021 with JP Morgan Chase Bank. On XX/XX/2021 at approximately XXXX, I received a call on my cellular phone from Chase Bank Fraud Protection Services . The person calling identified himself as XXXX XXXX, an employee of Chase Bank Fraud Protection. He informed me that Chase Bank had recognized someone in California by the name of XXXX XXXX was trying to remove/transfer {$5000.00} from my business account. He asked if this was an authorized transfer. The Chase employee was able to verify all my personal banking information. I responded to him that I was not trying to transfer this money. He went on the explain that in order to stop the transaction in progress I would need to XXXX the {$5000.00} from my business account into my personal checking account. During the process, the identified Chase employee sent me text messages with verification code. He told me the codes were used to verify my identity and help expedite the fraud prevention process. 
After I had completed all the steps he asked me to do and the phone call ended, I noticed the money was not deposited in my personal checking account. 
Once I realized that this had been a scam, I immediately called Chase Bank claims department on XX/XX/2021 at approximately XXXX. EST. I explained exactly what had occurred and told the Chase employee I could send them all the necessary text messages. I was told an investigation would be opened to further look into the matter and the {$500000.00} was temporarily placed back into my business account. 
After 6 days or so, Chase Bank informed me that my claim was denied because the money was sent to myself using XXXX. They further explain the justification of the denial was that I had used XXXX prior to this to send money to myself.

I requested at that time for the investigation not to be closed and to look further into this situation. Chase Bank declined by request and said the money was gone. I have been with Chase Bank for several years and the poor customer service and lack of an investigation is very discouraging. I have 2 accounts and any money transferred was always between those 2 accounts.

I have several supporting documents including, call logs, text messages and a police report. I am asking that this matter be re-investigated so that I can receive my funds back and whoever is responsible for this scam will be caught.
Product: Credit card or prepaid card

In XX/XX/XXXX I applied for an American Express for the promotion of XXXX points if you spent {$1000.00} in the first 3 months. When I got the card XX/XX/XXXX there was no paperwork to show my promotion, so I called and they confirmed it was not on my account. They Then opened a case and said 6-8 weeks they would have an answer to what happened. 

I have reached out the them once a week since XX/XX/XXXX to today. It has been escalated 4 times to management and told me it would be another week for an answer. I have been lied to when I signed up for the card and never have gotten any answers on where my points are. I have also asked them to give me the registered name with XXXX to report them and the refused to give me any information. 

I want what I was promised. I have already spent thousands on the card and it has been 6 months of waiting.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, Vision Coverage was initiated through XXXX with XXXX XXXX XXXXXXXX XXXX XXXXXXXX by electronically signing the application and paying the annual premium on my Discover Card. No auto-pay feature was selected of even indicated. On XX/XX/XXXX an auto-pay charge was processed by XXXX for {$430.00} on the same Discover Card. All attempts between XX/XX/XXXX and XX/XX/XXXX confirm coverage was unnecessary for XXXX failed due to failure to speak with XXXX Customer Service Representatives resulting from an automated phone system and excessively long-hold times. On XX/XX/XXXX, an e-mal was sent to the customer service representative listed for the account without any response ever occurring. A dispute case was opened with Discover Card on XX/XX/XXXX and a temporary credit was issued for {$430.00}. On XX/XX/XXXX, Discover Card completed their investigation and found in my favor, reversing the temporary credit and issuing a permanent credit for {$430.00}. Sometime subsequent to XX/XX/XXXX and XX/XX/XXXX, XXXX responded to Discover Card, resulting in reinstating the charge for {$430.00}. Upon learning of this intervention assistance from XXXX XXXX XXXX was obtained resulting in the XX/XX/XXXX e-mail from XXXX stating the insurance coverage was or will be cancelled effective XX/XX/XXXX with the respective credit issued. This e-mail was provided to Discover Card on XX/XX/XXXX, yet Discover Card has willfully and negligently failed to reinstate the credit. A second e-mail was received from XXXXXXXX XXXX XXXX  written from the perspective that the Discover Card was a Debit Card when in fact it is a Credit Card. As late as today, XX/XX/XXXX, Discover Card is refusing to reinstate the credit for {$430.00} unless they hear from XXXX. Having no way to contact XXXX due to cancellation of the insurance an no account, contacted XXXX XXXXXXXX XXXX whom doesn't understand why this is occurring. Obviously, Discover Card is attempting to unlawfully extort {$430.00} as an inside job in order for an insider to embezzle {$430.00}. After having this Discover Card Account for thirty-one ( 31 ) years, this behavior is uncharacteristic, deceptive and has never occurred when previous disputed charged have occurred. Obviously they waited until i was a XXXX and XXXX of a Protected Class to perpetrate such a scheme.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 USC 6802 A. may not disclose personal information.15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information
Product: Debt collection

The debt was in the amount of {$870.00} from an incident that occurred in XXXX. I thought I had paid it then, but the company is stating it was not. However, I have not received any phone calls, letters, or messages that this debt was owed until it hit collections on XX/XX/XXXX and negatively impacted my credit score. Five years later is a huge gap in time and they should have reached out to me before it affected my credit report and score.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$11000.00} ; XXXX XXXX Balance : {$6700.00} ; XXXX  XXXX XXXX Balance : {$2400.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$19000.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$58000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXX XXXXXXXX Balance : {$5600.00} ; XXXXXXXX XXXX XXXX Balance : {$5900.00} ; XXXX  XXXX Balance : {$2200.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and i am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal.XX/XX/1995 ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

A few years ago someone filed federal taxes in my name which now requires me to use an IRS issued identification number to file my taxes. Now, someone has taken out an ample amount of credit in my name, which is beyond frustrating. I noticed this issue when I pulled my credit reports XX/XX/2023. I pulled my credit because Im looking to refinance on my home. I figured to check before applying for a new mortgage loan. I have filed a dispute with XXXX XXXX and XXXX. All of the information ( credit reports, identify Theft Victims Complaint Affidavit, my state identification, and a list of items that are fraudulent ), is attached to this report. These accounts were opened fraudulently by utilizing my personal data. Im highly upset with the level of inaccurate thats being displayed on my good credit. All I do is work and take care of my home, so there was never a need to add any of these credit accounts listed. I wish to have this matter resolved and removed immediately. Ive filed a criminal case with the police department regarding this matter. Documents are attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by XXXX OR ANY OTHER COMPANY, and including the two agencies copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts yesterday again, and placed a security freeze to my credit file. XXXX  is the only out of 3 agencies that have not put the freeze as requested, that both Transunion and XXXX  did, and this in addition to several other inquiries started after the XXXX  data breach publicly known.
Product: Vehicle loan or lease

I got an auto loan with Santander Consumer USA in XX/XX/XXXX. I set up auto payments before I left off to XXXX XXXX that XX/XX/XXXX. There was a mishap and I missed some payments and they charged my account off but never had possession of the vehicle , I finally figured out what was going on and caught my payment sup to date. Fast forward to XX/XX/XXXX when I'm still making monthly payments on a CHARGED off account. I decided to go XXXX XXXX and sent in my contract to Santander Consumer USA.  I was told about SCRA benefits and called and the benefits took affect almost immediately dropping my interest rate to 6% and they stopped reporting to the credit bureaus, which they did. I was monitoring my credit and seen that they removed the reporting so I called and double checked and made sure everything was okay. The representative then told me to sign a waiver so they could start reporting back , at this time in in XXXX so they were to take our phones and I will not have any access to keep communications with them. They waiver was sent to my home back in XXXX XXXX while I was in XXXX XXXX, XXXX. So there is no way I could have signed the waiver they sent out and I clearly have military orders stating I would be in XXXX  at that time and had no access to that waiver. I called and constantly begged for them to do the right thing and delete the account from the credit reporting but they will not. Its getting to the point where I would want to take this legal but I do not have the funds or time , that being I am constantly training and away from home due to being XXXX XXXX military. My father whom has XXXX , thought it was his mail he received. can clearly see the dates I was not at that location and I tried an call to explain the case but they ere not listening . any human being with common sense could see those dates are not matching up. I even tired once I got XXXX for operation faithful patriot and they still did nothing about it , by obeying their policies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following listed inquiries are in violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX 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. 

I have provided Experian, XXXX, and XXXX with a copy of my identity theft report.
Product: Vehicle loan or lease

I, XXXX XXXX, entered into a lease with Honda of XXXX XXXX on XX/XX/XXXX for a XXXX Honda Accord Sedan. My down payment was a trade in, a XXXX XXXX XXXX, excellent condition with low mileage, valued at {$11000.00}. I also paid {$220.00} in cash so that I could keep my monthly payments right around {$200.00}. Total payments plus down payment would equal {$19000.00}. 

The agreed upon value of the new car was {$34000.00}. The residual value of the vehicle at the end of the lease was {$17000.00} The total of base scheduled payments was {$7900.00}. 

I had no problems with the vehicle. But, I am facing earlier than anticipated retirement due to health issues. I am XXXX y/o. I admit I am ignorant when it comes to leasing vehicles. I'd never done it before. I turned the car in sometime in XX/XX/XXXX. I had made XXXX payments since XX/XX/XXXX. I was so unsure of what to expect at my meeting. I thought maybe they'd want me to pay a fee for early turn in. 
But, they said they would call everything even and release me from the lease. 
I was thrilled to say the least. I left my car there, that very evening, in somewhat of shock, not realizing I should NOT have done so. 

Several days later, when I realized why a XXXX deal I had agreed to, under duress and ignorance, I wrote a letter to the dealership and asked for a follow up meeting to discuss if we could renegotiate the end of the lease. I feel somewhat foolish at my naivety, but I didn't think my local dealership would take me for over {$16000.00} just for leasing their vehicle for 21 months. I would like some help getting a meeting with them, so that I can possible get some of my equity back. I will need it for retirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a dispute with Transunion about an account that has been paid in full and it is no longer a debt under my account. I sent Transunion a creditor letter with all phone numbers and contact information of the account in dispute, showing that the account has been satisfied and paid. 
A week later, XX/XX/2022, Transunion sent me an email saying that the " Dispute '' was resolved. and Verified as Accurate. Transunion left the account showing a debt as I have never paid it. They said that they Verified it as Accurate, and that is a lie, due to the fact that the creditor offered a Paid Off Letter and still did not update my account and TRANSUNION lied about it saying that they verified it as accurate. 

I want this information to be deleted from my account, per FCRA, and Transunion furnishing False information affecting my consumer report showing inaccurate information on it. I am attaching letters of creditors and also the letter from Transunion lying about verifying the account as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple Accounts reporting that are not mine I do not recognize any of them
Product: Checking or savings account

on XX/XX/2021 I initiated 2 transfers using XXXX through Ally bank for a total of {$400.00}, this money was supposed to be transfer to a XXXX  XXXX XXXX account that I myself own. On the ally bank side it shows the transfers were completed. it is XX/XX/2021 and the money hasn't reached XXXX  XXXX XXXX. I spoke to XXXX on XX/XX/2021 and they said there is nothing they can do on their end they advised me to get in touch with ally bank so they can perform a trace on the funds. I have been on the phone with ally several times since then and nobody can tell me what's really going with my missing money. I decided to look up ally bank on the XXXX XXXX XXXX and they have one of the worst ratings with over XXXX complaints. ally bank is getting away with peoples money they need to be hold accountable. I have transferred money from ally bank to XXXX before using XXXX and never had an issue I know the email addresses im using are good and registered to receive XXXX payments. looking online there are thousands of people complaining about similar issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing this dispute in reference to the attempts of an unlicensed collection agency, Collection Associates LTD, to collect a debt from me. This agency has been harassing me with frequent phone calls and letters, and I believe that their actions are in violation of both state and federal laws.

Firstly, according to the laws of Florida collection agencies must be licensed in the state in which they are conducting business. I have reason to believe that Collection Associates LTD is not licensed to operate in Florida. 


Additionally, I have reason to believe that XXXX XXXXXXXX XXXX has violated the Health Insurance Portability and Accountability Act ( HIPAA ) by accessing and using my personal health information to collect the debt. I did not give Collection Associates LTD permission to access this information, and their unauthorized use of it is a clear violation of HIPAA. 


I am demanding that the CFPB take immediate action to investigate Collection Associates LTD for their illegal collection practices. I believe that Collection Associates LTD has engaged in unfair and deceptive acts in violation of the Fair Debt Collection Practices Act ( FDCPA ) and HIPAA.

I request that the CFPB take all necessary steps to halt Collection Associates LTDs illegal collection activities and to ensure that they are held accountable for their violations of both state and federal laws.

I hope that you will take swift action to address this matter and to protect my rights as a consumer. 

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

I went to XXXX XXXX and was invited to a timeshare venue. I was enticed to buy in on a timeshare but was told my credit had to be ran first since I didn't want to put any money down. I asked how long would this be on my credit report and was told if I didn't qualify they'd remove it instantly or it would fall off in a few months and to give them a call if it was not removed. I didn't qualify to buy in with no money down so I left with no timeshare and again was told that the inquiry should fall off in a few days if not a few months. To date it's been over a year ( 15 months ) and the inquiry still shows on all three credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have sent dispute letters letting Experian Know these are not my inquires on my account on XX/XX/2021 2021