23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Since XX/XX/XXXX I'm disputing this account, asking for proof because I do not recognize the account as mine. On XX/XX/XXXX I dispute the account asking for validation. Portfolio just sent a letter saying the account is verified. On XX/XX/XXXX I sent a letter asking for information about the account and just sent my the same letter stating the account is verified. They never sent my any proof of the account is mine.
Product: Credit card or prepaid card

I applied for a chase business credit card on the chase mobile app. Because it was an offer on my portal. We currently have a chase checking account for our business and wanted to get the credit card to avoid being charged monthly maintenance fees. We applied for the card and got a generic processing response. 

We got a phone call from a rep stating we needed to verify the business. ( The business should already be verified since we are a customer of chase already. ) on top of that, when we applied through the app, all of my information was already on the app. All I did was really hit submit. 


The rep stated I need to show proof of address and my EIN. I faxed those documents in which was a previous credit card statement and my EIN from the IRS. 

The fraud department reviewed that information then stated they couldnt accept my EIN from the IRS. But yet this is CHASE fraud department? They cant identify my business with a letter from the Irs? Insane. 

The rep said she would put the docs back through and have the re-look because apparently someone wasnt doing their job. 

The reviewed the docs and Im still getting letters they needed my EIN. At this point, chase is being annoying and I wish I never applied because it was a terrible experience. 

I then called again, they stated lets review your application. I waited on hold for 20 minutes while the rep reviewed my app just for him to say unfortunately youve been denied. After going back and forth about submitting documents to verify my business address and EIN, for weeks. To just be deny was a WASTE of time. When I sent in everything that was needed. I was given the run around. Chase is wrong for this. 

The way the processing went for application was just all wrong. So now I will be moving my money to a new account because chase doesnt care about me or my business.
Product: Checking or savings account

On XX/XX/XXXX, I called Chase Bank to dispute a transaction from my checking account. The transaction was a XXXX payment to an alleged small business for the amount of {$790.00} in exchange for a custom good that I never received. The transaction was posted to my Chase checking account on XX/XX/XXXX. 

The first Chase representative I spoke with apologized for my problem and said there was nothing to worry about and that Chase would immediately start a claim to recover my money. To do so, the representative stated that he would have to transfer me to another department. 

Once my call was transferred, the second representative was incompetent, rude, and confusing. She initially stated what the first representative had stated, that she was sorry for my problem and that there was " nothing to worry about - Chase would immediately start a claim to recover [ my money ]. '' Then, I sat on the phone waiting for her next response for about XXXX minutes without information about what she was doing/that I was on hold. Suddenly, she started to speak very fast and I could not understand her. I asked her multiple times to repeat the information. Finally, the representative stated that a claim had been started but that it was unlikely that I would recover my funds since I " should have known who [ I was ] sending the money to. '' I tried to explain the situation again and she talked over me repeatedly, not allowing me to finish my sentence or respond to her statement. Finally, after I asked her to please allow me to speak, she became very short in her responses to me, and essentially ignored my question/concern about the contradictory information she had just given me. Frustrated, I asked to speak to someone else. She ignored my request, told me to have a nice day, and hung up the phone. 

I am filing this complaint because Chase refuses to recover my {$790.00}. Further, in XX/XX/XXXX, the Consumer Financial Protection Bureau issued guidance to clarify that fraudulent person-to-person transactions are in fact considered unauthorized because they were initiated by someone other than the consumer and the consumer received no benefit. 

The CFPB also stated that banks can not consider consumer negligence as a factor or claim that consumers waived their protections in their bank account agreement. 

Thus, I urge Chase Bank to review my claim along with this complaint and to credit my funds back to my checking account immediately.
Product: Money transfer, virtual currency, or money service

Coinbase, a popular virtual currency wallet, is advertising that their wallets are insured by the FDIC. By my understanding, this is factually inaccurate and misleading to potential cryptocurrency investors. 

Link to the page where this is stated XXXX XXXX XXXX XXXXXXXX Quote in question : " If you are a United States resident , your Coinbase USD Wallet is covered by FDIC insurance, up to a maximum of {$250000.00}. ''
Product: Credit reporting or other personal consumer reports

THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED.

I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES. SOMEONE HAS USED MY IDENTITY TO ENGAGE IN THE FOLLOWING TYPES OF FRAUDULENT TRANSACTIONS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX I sent a credit card payment of {$200.00} from my XXXX XXXX XXXX XXXX account to my HSBC card. HSBC sold the card to XXXX XXXX XXXX XXXX and closed my HSBC credit card. On XX/XX/XXXX, after XXXX hours after I sent the payment in, I realized I sent the payment to the wrong company, so I called HSBC to see if they would transfer it to the new card. I was told it would bounce back into my bill pay account within XXXX hours. I waited & nothing was returned. I called XXXX and they told me the same thing should happen, but it may just take a little longer. I called XXXX XXXX XXXX and they had not received the payment from HSBC. I contacted XXXX again and filed a claim, but they said they could not help because my money had been successfully sent to HSBC in the past and HSBC accepted it, there was nothing else they could do. They did provide me with the proof of payment, transaction # & time/date of acceptance of my payment by HSBC. It was accepted by HSBC at XXXX XXXX on XX/XX/XXXX. I started a claim with HSBC and faxed in, approximately 5 times, the information XXXX gave me on the payment, so HSBC may properly research the claim. HSBC never asked for proof of purchase or other identifiers or pertinent information, but I've insisted on giving them what I had. HSBC claims every single time that they don't have my payment. I have continued to call them once a week for the last 6 months and they claim they never received the {$200.00}. I have called and gone into XXXX bank at least 5 times and they try to help, but say they have a new software system since XXXX & are unable to help. I'm at a stalemate with BOTH big banks and I'm missing {$200.00} in the digital world between the 2. I would appreciate your help. {$200.00} may not be a lot to them, but it is terribly important to me. Thank you!
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I recently disputed the inaccurate information on my credit report, but only a handful of items were even looked into and removed. The fact remains, there are still multiple false accounts listed that are severely damaging my credit and wreaking havoc on my financial well-being. This needs to be addressed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

DISPUTE WITH-Chase Auto-JPMORGAN CHASE BANK, N.A. 
*AUTO* I had a XXXX  XXXX XXXX and was financed through Chase Bank . 
I had my XXXX  for almost over two years with no missed payments and a few late payments. I was scammed and reported the scam to the police, to all three creditors and all accounts that i thought may have been affected. 

One morning i was leaving out for work and my vehicle was gone. I missed work and pay for a week behind this issue. The first thing i did was call the police thinking it may have been stolen, next i called Chase and indeed Chase came and took the vehicle with no notice or explanation they simply stated that the months payment was not recieved and they can take the vehicle because it is theirs. I disputed with them that all payments are up to date and if you see my credit report i have all green OK 's up to that month. They did not call me, no missed calls, no missed voice messages, no mail through USPS NOTHING just came and got my vehicle. So now they are trying to say i owe them {$9900.00} and you can tell they have done something incorrect because now they took the payment histories off of all of my credit reports. I called them and written them and asked them several times to send me a complete statement, and a break down of all payment histories from the first transaction until the last transaction and they were rude and have not sent anything. I want this {$9900.00} taken off of my credit reports and etc and they are refusing. Please help me with this issue.
Product: Debt collection

In XX/XX/XXXX-XX/XX/XXXX I had XXXX Cellular account. I had discrepancy with invoice. Account was closed ... XXXX sent to collections. The current collections company AFNI obtained this by purchasing the account from another debt collector. Afni did a re-aging of the account to continue to collect payment from me. Re-aging is illegal. I in good faith paid the small amount to resolve buy they are still casing problems with my credit report by reporting to all 3 bureaus. Due to the age of the account XXXX no longer holds any data. I want them to stop reporting to the 3 bureaus. They never had the authority to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

A purchase was made at the Macy 's store in XXXX, Washington were I signed up for an account at the time of purchase. I currently lived in XXXX, Washington. All account statements from Macy 's were sent to the wrong address in XXXX, Washington. Over the next several months, I did not know about the charge on my account of {$33.00}. The account accumulated over {$60.00} in late fees and penalties. Macy 's made no attempt to contact me about the account balance. Macy 's had my correct email address and could have emailed me about the account statement being passed due but I received no emails in regards to my account. When I filed my taxes, I received a credit report where I saw I had an overdue Macy 's account and my credit score had been reduced by about 100 points. This was the only way I found out about the past due account with Macy 's.
Product: Debt collection

Called third party left threatening voicemail on there phone saying I need to pay them by next month or they will take me to court
Product: Vehicle loan or lease

I have tried to resolve this matter with Chrysler Capital directly on multiple occasions and have gotten a run around. Account # XXXX I called to extend my lease and put the account on autopay, I noticed no payment was withdrawn so I made the payments. I then see a late has come on XX/XX/2022. Yet I also received two refunds from Chrysler Capital so I am unsure how this was ever late or what issue is. I also requested payment history and retail installment sales contract which they just sent a letter back informing me that they can't help me either they don't have enough information to help me or they addressed this issue which they didn't.
Product: Debt collection

Ive been having issues with this since XX/XX/2023 I disputed this before and investigators sought that this was invalid and removed it from my credit, they sold it to another debt collector and now Im being harassed and this is placed on my credit as debt I owe when I know I dont
Product: Credit reporting or other personal consumer reports

On XX/XX/, I sent a notice of dispute to XXXX XXXX XXXX regarding an account that was on my consumer report. On XX/XX/, XXXX XXXX XXXX  provided me with information. The information is, incomplete, inaccurate and is harming my credit worthiness. I would like this investigated to ensure completeness and accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and ive been trying to have these fraudulent accounts removed for quite sometime now. On XX/XX/2018 I sent in my dispute letter and supporting documentation for 3 fradulent accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  These items are not mine and are having a negative effect on my credit file and I would like them removed.
Product: Checking or savings account

I was previously a customer of US Bank. Time and time and time again, my actual dollar amounts were not accurately reflected in my checkings account. Ive actually closed my account as of the end of XX/XX/2023 due to the negligence of their bank. Due to my amounts being improperly shown, there were numerous times where my account was overdrawn. I would them be charged again for a cash advance just to avoid the overdraft charges. I do not have photos or documents, but the proof is there in my past transactions. Ig needed I can provide my account number. I still have an open, active credit card with the bank. The last straw was when I needed to make a large purchase for vandalism done to my car. When making the transaction with my card, my checkings account was bot overdrawn. The very next day, My account was - {$200.00}. When I call the bank, there is never a resolution. I was once instead told by a woman from US Customer service to keep a separate note pad of all transactions. If I wanted to do that, I would not bank online. After this, I wired my remaining checkings and savings amount to a new institution. I had been banking with US Bank for XXXX years. Ive lost thousands of dollars due to the inaccuracies of their mobile app which I relied heavily on. There were also many instances, at least a few times a week, where my transactions would post as pending, then would disappear for days, then would re appear. I was convinced that is how all banking was until I switched to my current institution. ALL of my transactions show up immediately. Every cent is accounted for and transactions dont randomly disappear. Yet, this was a regular practice of US Bank.
Product: Credit reporting or other personal consumer reports

Good morning. After reviewing my credit report, there are discrepancies showing that I owe collections on an account across all XXXX credit bureaus, which is just not correct. Upon attempting to go to the website given, my account details are nowhere to be found. The phone number given also does not work. That makes this collection inaccurate and must be fixed! This information must be reported with the utmost accuracy. The Collection agency is [ XXXX XXXX XXXXXXXX ] [ XXXX ]. Having an open collection for an individual while not having ways to settle the account is illegal. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements. I demand that this collection be removed from my credit report without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX  days and I have not received any investigation results. I want an answer immediately.
Product: Debt collection

This debt reporting inaccurate misinformation, and validation forwhich I do not recognize it stated it's been sold charged off, and the third party isn't listed neither is the a complete history of payments or any such items date of last activity isn't being reported which makes this account INACCURATE REPORTING the date account was closed isn't being reported
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$7500.00} XXXX XX/XX/2022
Product: Credit card

Barclaycard has had my timely payment for a number of years, and rewarded me with a number of increases in my creditline. However, they decided to replace my credit card with a chip-protected card, out of cycle -- meaning, before the current card expired. The card never arrived, I found myself heading into an XX/XX/XXXX wedding, and the holidays without a card. They promised an overnight replacement twice, which never came. I got angry and closed the account, asking for a refund of a {$750.00} overpayment. Naturally, the refund has never arrived. They are now telling me that they need to " open a case '' and it will take another 10 days to investigate. I have to pay them interest if I mess up & pay late. This company is irresponsible and incompetent at best -- and fraudulently witholding money owed, at worst.
Product: Vehicle loan or lease

I received a statement from M & T Bank early XXXX for the first payment in XX/XX/XXXX. XXXX XXXX dollars was paid on XX/XX/XXXX for a simple interest loan ( 7.74 % ) for a required payment of {$510.00} -- breakdown of {$350.00} principal ; {$150.00} interest. The delta from the overpayment should be applied to the principal per our signed contract ; instead they applied it to their interest. I called on XX/XX/XXXX at XXXX and spoke to XXXX XXXX who submitted a form " to the back office '' to correct the error. He also informed me that " M & T Bank doesn't take principal payments '' despite what our contract says about overpayments applying to principal and no prepayment penalties. He advised me to download the M & T Banking app and make payments that way. He said to make two payments : the first should be the {$510.00} and then pay the {$100.00} as a second payment so they would be forced to apply the delta to principal. I did as he instructed. 

On XX/XX/XXXX I received another statement from M & T Bank. They had NOT corrected last months error and applied the XXXX payment of {$610.00} erroneously AGAIN. They took the entire {$100.00} plus XXXX from the monthly payment and applied it to interest versus taking their interest amount of {$150.00} and applying all else to principal. I called at XXXX on XX/XX/XXXX and spoke with XXXX XXXX of the XXXX XXXX. We spent an hour on the phone with multiple extended holds for both of us. 
She filed a complaint on my behalf and also put in ANOTHER request to the " back office '' to correct the error. 

My goal is to pay down the principal therefore reducing the annual interest rate applied and paid, just like I've done for every other loan I've ever had. M & T Bank is determined to take their interest ( aka profit ) out of each payment received instead of following the correct application of overpayment to principal per our signed contract. I have scheduled another payment to go out tomorrow ( XX/XX/XXXX ) per XXXXXXXX XXXX XXXXnstructions. 

I'm filing this complaint early on in this loan process because it appears M & T Bank has no intention of applying the payments correctly per contract, and both phone calls, requests for corrections, and complaints have gone no where.
Product: Credit reporting or other personal consumer reports

Informative research XXXX XXXX. I didnt give this company consent to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between, XXXX, Transunion and XXXX  is a violation act of the XXXX Reporting inaccurate date last active or last payment are not the same in each credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with Sears. I have had it for 3 or 4 years. I was checking my credit and found that the card had been or the account had been closed 30 days ago. 
I called Sears and spoke with them. They said I closed the account, and I told them that I had not. That I bought my tires from them, my garage door opener from them and appliances from them, why would I suddenly close my account. 
It made a major hit on my credit report. I went from XXXX and XXXX to XXXX and XXXX. 
They only thing they offered to me was for me to open up a new account with them. I did that today. But the stigma and the loss of a good credit rating is laid on my door step. I need your help.
Product: Checking or savings account

The Institution in question took my ( XX/XX/2023 XXXX XXXX XXXXXXXX payment from the VA. They also took existing funds that were in my account at the time. They did this in order to replace funds that were fraudulently taken from my account. Those actions occurred without my knowledge. The amount they penalized me for was roughly about {$1800.00} +/- Prior to the aforementioned happening. I advised the institution that my debit card had been lost/ stolen during the time my checking account was compromised. There were transactions that had been debited to my account. Which actually took place in another state. I disputed all of those charges and transactions. However, they still took away my funds .... There actions caused a personal hardship for me and my family!
Product: Credit reporting

I have not been able to find a means to dispute the incorrect information Equifax has on their credit report on me. Equifax telephone numbers do not allow for dispute of their incorrect information. only to put a 90 day fraud alert- but the incorrect info remains. To mail a request to one of Equifax address is a waste as they can just trash it. The Equifax credit report viewed on my XXXX acct shows an incorrect address for my residence and in a State I have not even been in. And someone tried to open an account in my name and XXXX did closed that account. The incorrect address can cause a fraudulent situation which had just occurred.
Product: Credit reporting or other personal consumer reports

Account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) been reporting inaccurate information on my credit report for a long time and TransUnion failed to conduct a thorough investigation on the information being report. I do not recognize this account nor do I recall opening an account with the furnisher/credit. The following are missing/inaccurate informations being report as follow... 

" Account type, Account credit type, Incorrect date opened, loan/credit amount, payment status, past due amount, date of last activity, and date of last payment, incorrect and incomplete reporting 2-years payment history '' I demand these informations be investigated for accuracy and corrected as immediately.