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

This is not a duplicate complaint. This is about a new issue of discourteous, dismissive and discriminatory treatment by Regions Bank related to written and verbal communication. On XX/XX/XXXX, XXXX XXXX XXXX of Regions Bank addressed a letter to me regarding complaint ID XXXX. I responded to contents of the letter on XX/XX/XXXX. The delayed response was due to treatment for crisis level XXXX XXXX XXXX and adhering to medical advice of avoiding XXXX inducing situations. I waited for a response until XX/XX/XXXX, and decided to call the number offered in the Regions Bank letter. My letter and call were in response to the statement - Regions works hard to exceed expectations and provide the best customer service experience possible. Your feedback is very important, and our goal is to address your concerns and provide the best solutions. When I called the number, a female answered and after stating that she did not recognize the name of the person I asked to speak with, she stated she would transfer me to a department that could possibly help me. I waited for fifteen minutes while repetitive automated messages bombarded my eardrum before I decided to disconnect. To date I have received no response by telephone or written.
Product: Debt collection

I sent two certified letter to XXXX asking for information regarding the alleged debt since I KNOW I never paid anything to them. They have two accounts listed on my credit report as collection accounts paid, when I never paid them anything. They have failed to provide me any information at all regarding these alleged accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is Equifax. I found out about the problem on XX/XX/2019 when sitting in the office of Credit Union ( CU ) CampusUSA in XXXX, FL trying to open an account. The CU was not able to pull a report on me, stating Equifax had nothing on me. I called Equifax and at 3 different times I was told they could not pull my account up and try later. I finally got a person who told me, that if I believed that I had a credit history, I needed to dispute that because they show I don't. I explained XXXX  and XXXX  had reports - 37 pages long. Equifax has had reports on me, as I pull my free report every year. Equifax had me fax and US mail a dispute with my Drivers License and Social Security card and note of my dispute. I did this on XX/XX/2019. I called Equifax today and they could not find my file. With all the info I gave they told me that my middle name had become my last name. Equifax stated that I did not send legible documents ( they were professionally copied at XXXX XXXX and were legible ). Equifax told me a creditor had made my middle name my last name and I would have to send another dispute for my name correction and legible documents. Equifax refused to tell me what creditor changed my name and refused to contact that creditor. Equifax would not tell me what company had changed my name. Equifax told me that a Social Security card and Drivers license with the correct name was not enough.
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 1681 XXXX # XXXX, XXXX XXXX XXXX # XXXX and XXXX 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 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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.
Product: Money transfer, virtual currency, or money service

I had about {$1200.00} in a coinbase account. {$1100.00} invested and about {$150.00} in profit as of this morning. I checked the account this afternoon to see my portfolio at XXXX  and no records of any transactions in regards to the missing money. They don't have anyone that you can speak to. i did file a complaint and locked my account. then to unlock my account it was a long process and will take up to 72 hours. there is no response in regards to my missing money and i want an answer now. this is wrong and that is a lot of money to me.
Product: Checking or savings account

I purchased a dress from XXXX. I purchased a wedding dress for the amount of {$82.00}. The transaction was authorized on XX/XX/XXXX. 
On XX/XX/XXXX, I returned the dress. I shipped back to them and followed the instructions given by them. On, XXXX, I received a credit for the full amount. 
On XX/XX/XXXX, I was charged again for the same transaction. XXXX stated that the dress was not received despite their system saying that merchandise was Received. Now, I dont have the dress and Im out of my money.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to delete these inaccurate items in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXXXXXX {$56000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2700.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$2000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1400.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$800.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX {$790.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$770.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$530.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$460.00} XX/XX/XXXX XXXX XXXXXXXX {$460.00} XX/XX/XXXX XXXX XXXX XXXX  {$240.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$120.00} XX/XX/XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$24.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX my daughter name is XXXX XXXX we had the same name into i was married my daughter have accounts that are on my credit file I asked the credit bureau to block these account and a investigation to be done these bureau refuse to do a investigation. I am a victim of identity theft and new account are still inserted on my credit file I haven't applied for a new account in three years but i still have new inquiries as well as new accounts please STOP this and hold these credit reporting agencies accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4100.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX Balance XXXX {$6100.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$4000.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$250.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX/XXXX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I pulled my credit report for my self and my wife and noticed that incorrect information was being reported for the month of XX/XX/XXXX and no information was being reported for the month of XXXX. I faxed over a request to have this information investigated and was contacted by a Mr.Fisher in the customer care and recovery group. Who advised me that he would be handling the problem and had opened a ticket # XXXX. On XX/XX/XXXX I reached out to XXXX XXXX to get a status on the incorrect information being report on my report and my wife 's report. I also advised him that this inaccurate information being reported is impacting our family. I explained to him that I had pulled all three of our reports and the XXXX information was reporting incorrect and XXXX was reporting no information at all. I emailed him a copy of the report for him to pass on to the department that was conducting the investigation. On XX/XX/XXXX. I contacted my XXXX and spoke with him. I was advised that his team had finished the investigation and they had determined that they are reporting the correct information to all three reporting agency. I explained him that I was looking at my most current report live and the information had not changed. I asked what method was used to validate and verify the information with all three agency. I was advised that they did not contact the credit reporting or send a refresh/update they just used an internal process. They just looked at a screen internal and verified that I what they had in there system was correct. I asked to be speak with a supervisor and or manager and was told that it was not necessary. I was finally transferred to a XXXX XXXX XXXX in the customer care recovery group who told me that it's not XXXX XXXX 's responsibility to ensure accurete information is being reported to the credit report agency and that he was closing the ticket and did not care that I would filing a complaint with the CFPB and my local State Attorney Generals office. I asked to please speak with his direct manager to try and resolve this problem before I moved forward with my actions and I was told that he " did not care '' and " I am denying you from speaking to my direct report, I don't see the need '' I have customer since XXXX and I have never been spoken in such a unprofessional manner by these two individuals.
Product: Checking or savings account

I have opened checking and savings account with Chase bank in the XXXX XXXX  of XXXX, North Carolina located at XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX with promotion of {$600.00}. 

Here are the details - {$200.00} New checking - XXXX {$200.00} New savings - XXXX {$100.00} extra bonus - XXXX Chase Checking Account number - XXXX Chase Savings Account number - XXXX It has been 3 months since the account has opened and the total promotion of {$600.00} has still not been provided to me even after several messages and calls to Chase bank customer service. 

Messaging service keeps saying that account promotion has not been applied to the accounts and Chase XXXX XXXX in XXXX, NC shows no response even after several calls. 

The last call was made on XX/XX/2021 and there has been no heed paid to it. 

I am writing this as complaint in regards to the service that full terms and conditions have not been followed by the Chase branch executives at best due to incompetence and lack of sincerity and at worst following malpractice to deny account opening promotion bonus
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act. The List of accounts below has violated my federally protected rights of privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX. 
Account # XXXX XXXX XXXX XXXX XXXX 
Account/Reference # XXXX XXXX XXXX Account # : XXXX Nationwide Recovery Systems Account # XXXX All Following Accounts Listed Above 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 U.S.C 1681c. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information other than records of convictions of crimes which antedates the report by more than s

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

SWC continues to call me about an alleged debt to XXXX. XXXX never sent a final bill, and confirmed in person that my account was caught up once I returned their equipment. SWC has called an excessive amount of times, and has not submitted anything in writing, despite my request for them to do so. In fact, the last person I spoke to told me that they were not legally obligated to send anything in writing. I will not pay any alleged debt to SWC without written notice and verification of said debt.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

On XX/XX/22 Venmo froze my account. 
On XX/XX/22 I replied to their email and asked if there is anything I can do to unfreeze my account ( e.g., update password ). 
on XX/XX/22 they said my account is permanently restricted. 

I have had ~10 emails and 3 phone calls and they have not identified what violation of terms of service I did. I asked them for arbitration, as that is the only recourse listed in their terms of service. They declined.

Venmo is a peer to peer money transfer service - every transaction has two parties. They have not ( to my best knowledge ) restrict the accounts of any of my counterparties ( friends ). Therefore they are alleging that something is different about me than about others. The only reason I can think of is that I am from XXXX originally, as in my online research I found that paypal- the parent company - is facing a lawsuit for doing this exact thing ( suspending accounts without explanation ) of other people with linguistically XXXX  names.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed several inaccuracies regarding late payments that do not reflect my typical payment history. Kindly correct these mistakes and update my account. Thank you!
Product: Credit card or prepaid card

I am writing to complain of the practices of Elan Financial Services ( Elan ), issuer of credit cards for Fidelity Investments, among other sponsors, which are certainly anti-consumer and may be violative of the Fair Credit Billing Act, 15 U.S.C. 1666 et seq. 

When Elan detects what it believes to be a fraudulent charge it calls the cardholder and uses high pressure tactics to elicit a yes or no answer to whether or not a list of charges, given with few details, are authorized or fraudulent. I think it fair to say that it is unreasonable to expect an average consumer without contemporaneous access to paper or electronic records to recall every charge he or she may have made over several days, particularly given the paucity of details. 

If the cardholder says no they do not recognize the charge, the charge is declared fraudulent and the account is immediately blocked for days until a new card is received, denying the cardholder access to credit and creating an incentive for the cardholder to acknowledge small charges that he or she may not really recognize. 

I particularly request the Bureau to investigate what if any use Elan makes of a yes answer made by a pressured consumer, recognizing the charge in the recorded phone call but later wishing to dispute the charge under the Fair Credit Billing Act, when the monthly statement arrives. Elans tactics raise a fair question as to whether Elan is attempting to prejudice consumers Fair Credit Billing Act rights by having at its disposal a recorded telephone conversation during which the cardholder acknowledged the charge.

What is clear, in any event, is that these tactics contravene the scheme created by the Fair Credit Billing Act of allowing consumers to review their periodic statements within a period of their convenience and with access to their records, and to dispute charges they then find to be unauthorized. The effect and, I believe, purpose of these practices is not to prevent fraud, but to shift any possible loss onto the consumer and away from the card issuer in contravention of the Act.
Product: Debt collection

I CONTACTED RESURGENT ABOUT THIS ACCOUNT LVNV FUNDING ACC # XXXX THEY ARE REPORTING ON MY CREDIT REPORT. WHICH THE REP STATED THEY MANAGED. 
WHILE I RESARCHED AND COME TO FIND OUT RESURGENT DO NOT MANAGE OR OWNED THIS ACCOUNT THEY REPORTING .THE COMPANY THAT OWN S THE ACCOUNT STA TES THAT THERE NOT AFFLIFIATED WITH THEM.
Product: Credit card

My Citibank credit card includes a " benefit '' called Trip Cancellation and Interruption Protection. It advertises that " if certain unforeseen events get in the way of your trip, '' cardmembers may be reimbursed for change fees, lodging, and meal expenses related to trip cancellation and interruption. My flights were cancelled for 2 days, and 3 different " benefits advisors '' at Citi 's service said I would be covered for hotel and meals while I waited for my next flight. They said that I could not file a claim or document my issue until after I spent the money on the expenses. After I spent the money, Citi later said that I was not actually covered, because trip " cancellation '' means that you have to cease all travel, and " interruption '' means you had to begin travel and then cut your trip short. Citi would not take responsibility for 3 separate benefits advisors giving me the wrong information ( that I would be covered ). Further, the benefits documents and fine print contain no definition of " cancellation '' or " interruption. '' Rather, the text is incredibly misleading, because it says " change fees '' are covered, and that you are covered if " You ca n't travel because severe weather, a natural disaster, or a labor dispute causes all travel to or from your destination to stop for at least 24 hours. '' By advertising to customers that the card contains benefits that are not truly in place, Citi is misleading people into using their card and spending money that will not be covered.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX  account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX  account XXXX XXXX XXXX XXXX  account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX Has violated my rights .

15 U.S.C 1681 section 602 A : States that i have the right to privacy 15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Bank account or service

Commerce Bank withdrew funds from my account, caused me to overdraft, all because the check that was written had a similar account number. Similar in the means that it was n't my account and that the bank had an error when dispersing the funds. When I called the company they told me I would not be able to use any funds for XXXX to XXXX hours because they had to submit a formal complaint and go through the process. Even though you have bureaucratic ladders of things you have to go through the company could rectify this in a matter of seconds. It would be as easy as posting the image of the check and discussing why the funds were incorrectly withdrawn. Now I have no money and I am in a real big rut today as my bills are due and I have insufficient funds to pay them. I believe that a company of this size should not have this long of a process for XXXX of their own mistakes. I do n't even have check for XXXX sake and somehow they