23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report, report number ending in XXXX as of today, XX/XX/year> and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( " FCRA '' ), whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The following accounts : XXXX XXXX ; Account XXXX, XXXXXXXX XXXX XXXX  ; Account XXXX, XXXX XXXX, Account XXXX, XXXX XXXX, Account XXXX, and XXXX XXXX XXXX, Account XXXX are not complete and are not accurate. I filed a previous complaint to reinvestigate these inaccuracies and incompleteness on XX/XX/year>, however upon receiving the reinvestigation results, nothing was correctly modified or updated. Per the Internal Revenue Service ( " IRS '' ), Charge-off accounts are not to be reported on any consumer reports, as they are tax credits to the furnisher once charged-off and are deemed taxable income. I demanded a thorough and transparent description of the reinvestigation and Experian did not provide it to me which is a violation of 15 USC 1681 ( i ) ( 7 ) and 15 USC 1681 ( i ) ( 5 ). I demand immediate corrective action regarding this grave matter of concern.
Product: Credit card

On Friday, XXXX XXXX, 2015, I submitted a credit application for XXXX credit cards, including the Chase XXXX Preferred card and the Chase XXXX card. I am a long standing customer of Chase Bank and have a previous lending relationship with the company. Upon submission of my applications, Chase Bank declined the Chase XXXX card, but approved the Chase XXXX XXXX XXXX Card. Subsequently, I called the Chase Lending Services phone line and was informed that Chase Bank employs a policy whereby Chase does not approve consumers who have opened XXXX or more credit cards within the past 24 months. However, please note that I was in fact approved for the Chase XXXX XXXX XXXX Card, which would violate the policy stated by the representative. I asked the representative where the policy was advertised during the application process and he advised that it is not disclosed. Furthermore, he said this policy decision is not a reflection of my credit worthiness or existing relationship with the bank. I expressed my concerns that this policy is not advertised during the application process. Chase is running a hard credit inquiry, which affects my credit score. Instead, they could just disclose during the application process that the XXXXcard policy exists and would eliminate a hard credit inquiry.
Product: Credit reporting or other personal consumer reports

My student loans from XXXX is paid off Through debt forgiveness program and I asked them to stop reporting this debt On my credit file please remove it
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed torequest pursuant to FCRA & 605B ( 15 U. S. C. & 1681c-2 ) that you, the Experian credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate, unverifiable, and false information consist of an insurance account, mobile phone account, and an apartment rental. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquires in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforesaid fraudulent items. i do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned accounts, collections, and hard inquires appear on my consumer credit report maintained by you were not open, made, or initiated by me. All of the aforesaid accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal complaint XXXX as proof from the US Federal Trade Commission that all the aforesaid consumer credit accounts, collections, and hard inquires are the result of identity theft and fraud.
Product: Debt collection

They enter a jugement against me and asking a marshal to garnish my pay.   Even thought the initial debt was {$3800.00} they put an interest of $  XXXX  which i s exorbitant and not fair.this is the only communication i receive from them.i also think the statue of the debt might be expire if its from   XXXX  .   I did ask them to send me the initial debt so i can see myself after i spoke with one of their people.   I would like to get help wiyb this matter.   I already check my credit report and can find anything from fleet bank.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against JP Morgan Chase for the unauthorized disclosure of my personal financial information from two separate accounts to XXXX XXXX XXXX XXXX XXXX. This disclosure included 13 specific transactions and the status of my accounts, shared without my explicit consent or prior notification. This action constitutes a breach of my privacy rights as protected under the Privacy Act of 1974 and the Gramm-Leach-Bliley Act ( 15 U.S. Code 6801 ) . I wish to formally opt out of all credit reporting activities conducted by JP Morgan Chase and seek immediate resolution to this matter. I also demand compensation for the damages incurred due to this breach. Enclosed are relevant documents supporting my claim. I expect JP Morgan Chase to conduct a comprehensive investigation into this incident and take necessary corrective actions to ensure such violations are not repeated.
Product: Checking or savings account

JPMorganChase Bank is in violation of Title 12, XXXX XXXX  Section 4001-4010 of the United States Banking Laws. On XX/XX/, I entered the Chase Branch # XXXX, located on XXXX XXXX, CA XXXX to open a checking account using a Social Security XXXX check payment of {$2600.00} which the bank opened. 2 days later, while checking the status of the account, I discovered that the account had been locked by the Security & Fraud department. After placing multiple calls to the " Help Center '', and getting hung up on several times by the center, I was told that security had closed my account but no one would say why. I ultimately contacted the Executive Offices in Texas to find out what is going on. I was told that they would assign a " Special Investigator " to find out what happened. In addition, I was informed that as the check had already cleared and the account had been closed that I could return to the branch the following day and retrieve my deposit. I entered the branch on XX/XX/ to make the withdrawal and was refused by the bank. The security department had refused to release the deposit back to me and refused to speak to me or clarify what the reason for the situation is. I called the Executive Offices again and was told that an investigator had been assigned and was transferred to her. The case # assigned is XXXX. The agents name is XXXX, no last name, at extension # XXXX. She told me that she hadn't had time to review the case yet but that she would look into the matter and call me on Monday. The agent has spent her time ducking my follow up calls and has been giving me the run around and basically doing nothing but stall for the security department. Her last excuse before not answering my calls anymore was that no one had returned her requests for information yet. The only communication from security was a message sent to the Chase app which I no longer had access to to read. Tomorrow, XX/XX/ now marks 15 banking and 18 actual days that they have been holding on to my very first XXXX payment in defiance of federal banking laws. They have continued to send me welcome information and the debit card even though the account has been closed. I am now pursuing a criminal complaint with the US Attorney 's office for XXXX California along with the District Attorney 's office for XXXX XXXX XXXX and the California Attorney General 's office. I have already and continue to pursue complaints with both State and Federal Agencies that have regulatory authority over commerce, businesses and securities and exchange services. I am also going to retain an attorney to sue for an amount no less than {>= $1,000,000} for damages, pain and suffering and punitive damages. I am also notifying the Social Security Administration and the ADA since I am XXXX and they are interfering with my life and health as well as the health and XXXX of a XXXX XXXX  All of which will look very good on the XXXX XXXX for them.
Product: Debt collection

I did not consent to authorize nor benefit from the listed account ( s ). Block and Remove.
Product: Credit card or prepaid card

On XX/XX/2018 I was charged a late fee despite having set up auto pay. The auto pay function is unfair, deceptive, and abusive. It requires a creation of an automated bill, and then it auto pays based off that bill. But the BOA interface never really makes it clear whether you are good to go on making your desired payment. It gives you boxes such as " you may need to make a payment '' instead of " you need to make a payment. '' This makes it difficult to commit to making a payment because you don't want the money taken out of your account twice, and BOA does not have the proper controls to stop that from happening.
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... .promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Checking or savings account

Well this is the second time Im complain with CFPB, I definitely I need help Bank of America closed my business account in XXXX XXXX, with out email me any notice, the its hold the funds from my account, me end my family its going true very touch time right now, I call more then XXXX times to Bank of America, I went to Bank of America branch more the XXXX times the never gave me my money back, this its not legal hold customer money for over 7 months, the should pay for all the medical condition my wife is going true, she lost her job not corrent work, end the just dont care, Im going need find attorney to help us if CFPB can not please help us
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Credit card or prepaid card

This complaint is in regards to US Bank and their XXXX XXXX XXXX   XXXX Card : Background : In XX/XX/XXXX and XX/XX/XXXX, I received multiple offers in the mail and via email. I received one advertisement/offer that stated I would get 0 % APR on purchases for 12 billing cycles. A few days later i saw another email that was offering XXXX reward points for signing up. I preferred the 0 % APR offer so I applied through that email. I was approved in XX/XX/XXXX, i started using the card immediately. In XX/XX/XXXX, I then noticed that i wasn't receiving 0 % APR i so i called and spoke with multiple customer services reps and they were completely awful, they sounded so inexperienced. I then faxed a letter and sent them an email stating my frustration about not receiving the 0 % APR. 

In XX/XX/XXXX, i received a response and letter from US Bank president or vice president.. She said that i actually was approved for the XXXX reward points and NOT the 0 % APR. I said " okay.. that's fine, I'll take the XXXX points then. The letter also stated that i would receive the points in the next cycle ( certificates are mailed out in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX rolled around and no certificates were mailed out, i haven't received anything. 

It's now end of XX/XX/XXXX-XX/XX/XXXX and I still haven't received ANY REWARDS certificates. I was told by a rep on XX/XX/XXXX rep that i would receive them and they were mailed out on XX/XX/XXXX. After waiting a few weeks i called again and I was told by a supervisor on XX/XX/XXXX that there was a system glitch that prevented me from getting the certificates.I just feel like I've been lied to. I was supposed to get XXXX reward points for signing up for the card and I didn't receive any certificates for that. I've now accumulated over 30,000 reward points and haven't gotten rewarded for my usage of the card. I also sent an email to US Bank on XX/XX/XXXX and haven't heard back from them This is completely misleading and if I had enough money i would attempt to file a lawsuit but i'm just an average middle class american trying to survive and I mainly use this card just for groceries at XXXX. I'm extremely disappointed.
Product: Debt collection

I received a bill from this company LVNV Funding regarding a debt, they are contacting and stating to file judgment against me in 30 days and I can not recall having this debt! How old is it? And who are they?? I reviewed my credit report and the debt does not appear on it!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXX XXXX - XXXX XXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXXXXXX XXXX  - XX/XX/scrub>/2023 XXXX XXXX - XX/XX/scrub>/2023 XXXX XXXXXXXX XXXX XXXX/2023XX/XX/year>
Product: Credit card

Here is the detailed list of exactly what grocery items I ordered for delivery on Saturday XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Of the above all the frozen items were thawed out. The ice creams were liquified ). The XXXX rep wanted to give me a full refund for the entire order. I told her I would make due with the thawed out items & hopefully they would be OK to consume. I asked her if she could call the driver to find out if he had an extra bag in his vehicle that was for me. She told me she did not have the ability to do. The third missing item ( XXXX XXXX XXXX XXXX  was purchased incorrectly or substituted for as I did not receive the correct ones below but like XXXX XXXX that I do not like ) .I am looking for a credit of {$16.00}. Discover Card MUST be in bed with XXXX because I have never heard of a merchant telling a customer to contact the cc company to dispute and then on top of that, the cc company ruling in favor of a merchant that provides XXXX proof of missing items. And if XXXX was concerned for customer, they would have asked for an image of the WRONG cookies sent. But, they could care less and have shown that in their responses to date. XXXX Missing from Order of XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX 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 XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX  XXXXXXXX XXXX XXXX  XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XX/XX/2022 XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XX/XX/2022 XXXX XXXX XXXX XXXX  XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX  XXXX ) - ( XXXX ) XXXXXXXX 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 ) XXXXXXXX XXXX XXXX XXXXXXXX ( 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
Product: Credit reporting, credit repair services, or other personal consumer reports

my school loans were paid and closed in XXXX because of my TPD. The loans from XXXX XXXX XXXX, XXXX and XXXX show the status of unknown - XXXX said i have to file a complaint with each servicer of these loans to have their status corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX account XXXX, XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A. States I have a right to privacy 15 U.S.C. 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I initiated a wire transfer from my Wells Fargo account to my bank account at XXXX in XXXX. My identity was confirmed via text message to the phone number associated with my account. The same day I received XXXX messages from Wells Fargo stating that my wire transfer was confirmed and initiated. Later I received a message stating that I no longer have online access to my account and must call a 1 800 number that can not be called from outside the XXXX. The loss of online access is the subject of a separate complaint pending with CFPB, and although I have communicated to Wells Fargo that I can not call the designated number, both through my account designated phone number, and by calling and emailing various other international numbers and emails. 

The new complaint concerns the belated cancellation of my wire transfer several days after it had been confirmed. ( The previous complaint concerns the loss of online access and refusal to provide any way for me to do as required to rectify that situation. ) On XX/XX/XXXX I received an email stating that my wire transfer was cancelled. I now have essentially no funds in my XXXX account and pending direct debits will not be paid. I will no doubt lose related phone, utility and other services, and probably my XXXX account itself. I was led to believe that although I lost online access my previously approved wire transfer had been made. 

This is my 4th complaint this year. One thing they all have in common is Wells Fargo making it impossible to communicate to them in the required manner and thus providing no recourse other than CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of Experian to retain disregard a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed accounts saying that the information they gave is precise, with which I seriously disagree. I am submitting this complaint to you today to request that Experian run me copies of documents bearing my signature to prove the status of the disputed account. If they are unsuccessful to comply with the condition and continue the reporting of the disputed account, please realize I will pursue legal action. I need the account corrected PRONTO : XXXX XXXX XXXX