23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I contacted XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX, Fl ) regarding a problem I was having. They sent a gentleman by the name of XXXX XXXX who showed up with his cousin XXXX XXXX. After they left, i realized that the problem was never resolved and in addition I received XXXX separate bills one from XXXX XXXX in the amount of {$570.00} ( for changing thermostat and running fluid through the AC ) and the other from a company called XXXX XXXX XXXX XXXX in the amount of {$2900.00} for charges to my credit card : I contacted Macy's/America Express about stopping charges which his boss, XXXX who came to my house from XXXX XXXX  to evaluate XXXXXXXX XXXX work and told me I was ripped off by XXXX and that it had nothing to do with his company I did not hire XXXX from XXXX  XXXX, I hired XXXX XXXX and will not be responsible for a secondary company coming to my residence when I did not hired him in the first place.. HIs boss XXXX whom I contacted from XXXX XXXX  told me that XXXX was just fired and that he did not perform any of the work listed on his bill. Subsequently I had to hire XXXX XXXX XXXX to do the work that XXXX, from XXXX XXXX never did. which cost me over {$7.00}, XXXX  for that to be redon. Between XXXX XXXX XXXX I contacted my credit card company : Macy's/American Express to refute the charges for {$2900.00}. They told me they would put a freeze on the charge while they investigate. Approximately 3 months later sometime in XXXX, I received a letter from the credit card company stating a credit to my account in the above amount. About one month after, I received another letter from the credit card company stating the following : " Based on the results of our investigation we determined that you are responsible for the disputed charge. '' I am disputing this charge with the credit card company since I did not hire XXXX XXXX  XXXX. In essence, XXXX XXXX, was the respondant superior that is responsisble for me being ripped off from the secondary company XXXX XXXX, that I did not hire.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST remove this collection account immediately. 

AFFIRM INC XXXX XXXX : {$1200.00} ;
Product: Checking or savings account

I and my husband have a checking account with Chase Bank. The checking account is for my husbands salary direct deposit from XXXX XXXX University. He and I are both professors at XXXX XXXX University. We went to the bank branch ( Chase Bank, XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ) on Thursday XX/XX/2021 to get a cashier 's check for the amount of {$110000.00}. Earlier that day, we opened a new account with XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ). Our purpose was to transfer the funds to XXXX XXXX XXXX to work with them to get a mortgage. XXXX clerk asked us all sorts of security questions, requested ID and we provided all and answered all. They asked my husband what is my SSN? They then asked why we need the money.The clerk was snickering and teasing us and I was so upset that i left my husband and sat in the car for a few minutes. After all sorts of questions, they said we can not provide you the cashiers check, because we don't know what you want to do with the money. They said we need to stay in the lobby in a very offensive tone and very disrespectfully. All other customers were looking at us like we were criminals. The bankers were saying how do we know you are not fake. We insisted that we need to deposit the money in another account. It took more than an hour until we asked to meet with the president of the branch. We eventually met with MrXXXX XXXX XXXX who kept saying we dont know whether you are real owners of the account. I finally showed him documentation that we had opened an account in XXXX XXXX XXXX and he said he could wire transfer the money. He said we can not give you the cashiers check, but we can do wire transfer. I asked if I am a fraud, how do you trust this piece of paper that i present to you as my account in other bank, but you do not trust myself as an individual and owner of the account. He said we can not give you the check. My impression was that it was all racial profiling and my ethnicity. I am an American Citizen and have entered and lived in this country legally for more many many years. I do not deserve to be treated like a criminal. I am an educator and a professor and have contributed to the community all my life. The fact that they withheld my money from me, is absurd and unacceptable. I cried after i left the bank in the car because I was embarrassed in front of other people and I felt terrible to be treated differently and like a criminal. I have spoken with my attorney and he has suggested that I first file a complaint with you.
Product: Debt or credit management

I have a XXXX XXXX XXXX bill that went on my credit report. I reached out to XXXX XXXX XXXX to inquire about the last bill and they werent able to pull up my account. I received a bill in XXXX XXXX XXXX and requested services to be discontinued due to a move for XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  I had no change of address at the time so I didnt transfer services. 

XXXX XXXX XXXX  an alert on my credit report hit for a collection amount of {$4900.00}. I have proof what my last bill was and when I requested services to stop. I do not owe any of this money and it is reflecting negatively on my credit report.
Product: Credit reporting or other personal consumer reports

As a vigilant guardian of my own privacy, I invoke the power vested in me by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to address the violations concerning my personal information. The FCRA, under 15 U.S.C. 1681 section 602 ( a ), mandates consumer reporting agencies to handle their significant responsibilities with fairness, impartiality, and respect for my right to privacy. XXXX and XXXX, as consumer reporting agencies, must heed this directive. 
I assert my right to ensure that my private information remains confidential, a right that is fortified by 15 U.S.C. 6801, which clearly states that financial institutions have an ongoing obligation to honor the privacy of their customers. The entity that furnishes information to credit agencies falls under this definition and thus, is bound by these laws. 
Furthermore, 15 U.S.C. 1681 section 604 ( a ) ( 2 ) specifies that a consumer reporting agency may furnish a report only with my written consent, which neither XXXX, XXXX, nor the furnisher of information has obtained from me. I hereby revoke any form of consent previously granted, whether verbal, non-verbal, written, implied, or otherwise. 
The law is clear in 15 U.S.C. 6802 ( b ) that a financial institution can not disclose my nonpublic personal information to a nonaffiliated third party without informing me of my right to nondisclosure, a right that was never presented to me. 
Moreover, 15 U.S.C. 1681C ( a ) ( 5 ) prohibits the reporting of any adverse information older than seven years, which includes the account in question. This is a violation of my legal rights, as there is no permission granted on my part for such reporting. 
The accuracy of information is paramount, as stated in 15 U.S.C. 1681s2 ( A ) ( 1 ) ( A ), which forbids the furnishing of information to consumer reporting agencies if it is known or suspected to be inaccurate. XXXX and XXXX failure to maintain reasonable procedures, as required by 15 U.S.C. 1681e, to prevent such violations further compounds the issue.

Lastly, in accordance with 12 CFR 1016.7, I exercise my right to opt out of your reporting services at this time. My privacy is not a commodity for trade, and I demand the respect and confidentiality that is rightfully mine. 
Please be advised that this notice of my rights has been issued to you multiple times and has been met with disregard. This persistent neglect is not only disrespectful but also a clear breach of the legal obligations outlined above. I insist on immediate compliance with these regulations, and any further inaction will be met with the necessary legal recourse to protect my rights.
Product: Credit reporting

I agreed to a monthly home phone payment of {$19.00} per month and XXXX tablets at {$10.00} per month. They were supposed to waive all of the fees up front. The amount I should owe from XX/XX/XXXX through XX/XX/XXXX is {$120.00} plus about {$300.00}. to break my contract due to their negligence. That would be a total of about {$420.00}, not {$830.00}
Product: Money transfer, virtual currency, or money service

Using an app called '  XXXX   XXXX   ' of whom has been trying to contact my bank, US Bank , for my account information. US Bank apparently has not done as requested via   XXXX   XXXX  .
Product: Debt collection

In XX/XX/2018 I received a Bill from XXXX XXXX XXXX XXXX in the amount of XXXX. I then contacted them to prove that this was not me who used their service. After an investigation done by XXXX XXXX I then received another letter on XX/XX/XXXX stating that the results were that they could not identify who received their service. A couple of months later, I was contacted by Grant Mercantile collection agency. They were trying to receive the same debt from the afore mentioned dispute with XXXX XXXX XXXX. Grant Mercantile Requested that I send them a letter with a police report ( submitted case # XXXX ) and file a dispute with the federal trade commission ( report # XXXX ) and the letter from XXXX XXXX ambulance claiming this was not me as well. I have recently now received a notification on my credit report that Grant mercantile is still pursuing this debt. This is an example of predatory debt collection when there is no proof this was my debt and I have gone through the necessary steps to work with the agency. I am currently in contact with a local law firm to pursue legal action.
Product: Mortgage

I received a letter dated XXXX XXXX, XXXX from Ocwen Loan Services , LLC ( Unique ID No. XXXX ) asking to provide proof of homeowners insurance on a property I purchased in XX/XX/XXXX. Ocwen owns my mortgage since XX/XX/XXXX or XX/XX/XXXX. The property located in Florida is a townhome in a condominium. We 've always had condo insurance which is responsible for any damage up to " unfinished walls '' meaning that kitchen and bathroom cabinets, wall finishing, flooring, stairs, etc. are not covered. Since XX/XX/XXXX the certificate of insurance issued by the condo association insurance company was enough for the different owners of my mortgage including Ocwen in the last XXXX years. I called the condo insurance company asking to submit to Ocwen the XX/XX/XXXX-XX/XX/XXXX certificate. When I called Ocwen last week to check if they had received the certificate, Ocwen confirmed that they had but that they were asking for additional insurance to cover any additional cost finishing the walls, etc. I asked them to explain why Ocwen had decided to start requesting for additional insurance when for many years the certificate of insurance from the condo association was enough. I was left waiting for a supervisor for more than XXXX minutes until the representative got back to the phone to tell me that someone will call me later. This new requirement is an additional financial burden placed upon me despite the fact that I have never being late with my mortgage payment even when my property was under water. 
My questions to you are the following : 1 ) Can Ocwen decide to up the insurance requirement from what has been sufficient for many years without a new law backing their decision? 
2 ) Can Ocwen purchase this additional insurance without given me enough time to inquiry about the validity of their request? 
I thank you in advance your kind attention to this complaint and prompt response. 
XXXX
Product: Credit reporting or other personal consumer reports

TransUnion File Number XXXX Date Issued : XX/XX/year> Investigation : VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 

I have disputed XXXX XXXX XXXX collection agency on my TransUnion credit report. I do not have an account with this company and TransUnion continue to verify the information to be accurate without proper verification of this account. I have requested a verification letter from XXXX XXXX XXXX with my name, address, account number, payment history, signed agreement and I have yet to receive this information while the credit bureau failed to follow federal laws of FCRA and 15 USC 1681.
Product: Money transfer, virtual currency, or money service

Company : wells Fargo bank and XXXX XXXX money transfer. 
Amount : {$2500.00} XXXX or XXXX of XXXX  This is a situation that I sent money from my Wells Fargo Bank by XXXX to this person as she claim to be a paralegal. She took the money and never follow through to complete the task so I reported to wells Fargo Bank and they responded no fault. I could not contact XXXX. 
In addition, I reported to her Bank which was XXXX XXXX  to local manager and she said there is not much she can do. 
This situation let me to another Fraud which I can explain in different case. 
This is happing to many people and I recently learned to report to you. Please help.
Product: Credit card

Chase has an " Offers '' program, where they partner with merchants to give additional rewards to customers who shop at these merchants after opting-in through a portal. At the end of last year, Chase ran a promotional offer with XXXX XXXX XXXX  ), where my offer was : Spend {$400.00} or more at XXXX on or before XX/XX/XXXX and receive a {$200.00} statement credit. From what I understand, all Chase Sapphire credit card customers were eligible for this offer ( with XXXX and XXXX customers having varying " spend and get '' amounts ). 

I made my purchase on the morning ( eastern time ) of XX/XX/XXXX - my final cart total was {$440.00}. 

I waited XXXX weeks and saw no indication of a credit being posted - I called Chase XXXX XX/XX/XXXX to inquire. A customer service rep told me that they were being flooded with complaints about this specific Backcountry offer and told me resolutions would occur in XXXX. Based on the details of my transaction, he also assured me I'd be eligible for the credit. I was given an escalation ticket number that I could reference in the future ( ticket number : XXXX ). 

I didn't received any electronic form of communication regarding the matter, and called again on XX/XX/XXXX. It took multiple calls to be able to speak with a representative. I was told my claim was denied, but given no reasoning behind it. I was told that only a physical letter was sent as a response. 

The documents I've attached are my email confirmation from XXXX on when I made the purchase, as well as a screenshot of the deal terms from the Chase Offers program. 

Credit card companies are all in a race to scale " bank marketing '' offers as an alternative form of revenue to interchange, interest, and fees. As banks scale these affiliate marketing offers to their credit card customers, it's imperative that they be held to strict standards of ensuring that the promised rewards are delivered to the end customer.
Product: Credit reporting or other personal consumer reports

These credit card companies reported me as " inquiring '' which I did not. This was fraudulent activity.
Product: Debt collection

Charge Off Letter Requesting a 1099-C Form XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Ca XXXX XXXX XXXX XX/XX/year> Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX UTAH XXXX Dear CAPITAL ONE Subject : Request for 1099-C Form Regarding Charge-Off Account I hope this letter finds you well. I am writing to formally request a copy of the IRS Form 1099-C for my account that has been charged off. The details of the account are as follows : Account Number : XXXX Charge-Off Date : XX/XX/year> Amount Charged Off : {$2300.00} As you are aware, a charge-off occurs when a creditor deems an account uncollectible and writes it off as a loss. However, according to IRS regulations, when a debt is canceled or forgiven, the creditor is required to issue a 1099-C form to the debtor and report this cancellation of debt to the IRS. 

I believe that receiving this form is crucial for my records and tax purposes. It will allow me to accurately report any potential income from canceled debt on my tax return. Additionally, I would like to dispute the charge-off status of this account due to [ briefly explain your reason for disputing the charge-off, e.g., the validity of the debt, payment history discrepancies, etc. ]. 

In light of this situation, I kindly ask that you provide me with the following : A copy of the 1099-C form associated with my account. 
Any documentation supporting the charge-off decision. 
Please send these documents to my address listed above or via email at [ Your Email Address ]. I appreciate your prompt attention to this matter and look forward to resolving it amicably. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I received alert messages from my bank for unauthorized transactions and I replied to them no I did not make the purchase and they are fraudulent. One transaction did go through so I called Chime customer service to report it, my debit card got blocked and a new one is on the way. Once the transaction posted I called back to dispute it, and in less than 24 hours Chime denied the claim and now im responsible for a transaction I did NOT authorized, I did NOT know who did it and I did NOT recognize the website.

I then contacted Chime to appeal their decision because I cant afford to loose money I didnt allow anyone to take and in less than 2 hours they denied my claim for a second time. I asked for details about their decision but they cant provide me with any over the phone and asked me to wait 10 business days to receive a letter from them. Im a XXXX XXXX and that money they STOLE was for my rent.
Product: Money transfer, virtual currency, or money service

I attempted to do a mobile deposit into my XXXX account and the check cashing company Ingo Money sent me an email stating that the check was accepted and was pending deposit and then advised me to write void on the check and resubmit the voided check image. I did as they requested and then they denied the deposit and I can not get any other financial institution to honor the check because it has been voided out. I have been corresponding with Ingo Money for the past month trying to get this resolved and every time I am advised to resubmit the check deposit and they will cash the check but they have not. This check is for {$790.00} and has caused me to fall behind on my rent and utilities.
Product: Credit card or prepaid card

I disputed a charge XX/XX/XXXX and was told it would take 30 days. It was for XXXX dollars. Made in XX/XX/XXXX. 
I took a pair of frames to an eye care place. They didnt put the right lenses in the frames, refused to fix it when I told them when I picked up the glasses,, then lied to me and told me they put in a product that they didnt even put in the lenses. I need to have glasses for driving and have an extreme sun sensitivity which is why I wanted the dark dark transitions made for driving to start. This is not what I got and the prescription wasnt even done right. One lense was blurry the other side was magnified more than the prescription The merchant refuse to email me back or fix it when I told them when I picks the lenses up. The frames I owned prior. 
I emailed the merchant and called several times and kept getting the run around and they refused to refund my money I filed a dispute with sun trust XX/XX/XXXX and was told it would take 30 days. They did not even give me a credit as is usual policy. Its been past 30 days and I am asking for the bank to release the funds so I can go somewhere else and get new lenses. The right ones
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX is reporting a debt to my credit that should not be on there. I never received any kind of notice or 30 day right to dispute regarding this debt. I had no idea it existed until I saw it on credit and then I paid it as soon as I found out about it. This debt is now paid and they are in violation of my 30 day right to dispute.
Product: Checking or savings account

Im filling this report against Bank of America for not providing adequate security for my bank account. My personal information is not secure with this bank when it comes to other entities who seek my information. Yet for me, any transaction I try to do at any time, the bank always requested my ID, PIN # and Debit card to identify that it is me ; even if I write my own personal check. 
Also, at any time I deposit a check or receive a transfer from another entity the bank always delays the transaction for a few days or a week before credited my account. 
From time to time, the bank stops my debit card transactions without consulting with me or tell me if there were any suspicious activities. Yet on XX/XX/2019, someone or an entity stole my name and my partners information who happened to be on my Bank account with Bank of America, reopen a new account with Bank of America under my name or my partners name, and on XX/XX/2019, they transferred XXXX from my only account with Bank of America to the New account which they created with bank of America. Despite that the bank held both my personal account and the fraudulent account under my partners name ; yet after both my partner and I went to the bank complaining that it wasn't us who did the transaction, the bank still refuses to credit my account and left my balance to {$0.00}. while my car payment didn't go through. the bank fraud department told me it will take up to 90 days before I may be able to get an answer. While all my monthly bills and food need to be met. Thant practice of bank of America caused me and my family great grift.
Product: Money transfer, virtual currency, or money service

I have been locked out of my Robinhood account since last XXXX. Numerous attempts ( documented ) have been tried to resolve this matter to no avail. I am blocked from my online account as Robinhood requires they send an SMS ( text ) code to my phone. My phone does not receive text. After several attempts asking them to send the " code '' to my email address, they simply stop communicating with me. I want to close the account but that requires a signin which I can not do. They have asked for driver 's licence and passport images which : 1 ) Were not necessary when the account was opened and money transfered to it. 2 ) Is a violation of my personal information as they have nothing to compare that information to. As you will see several other account holders have the same issue as I according to the XXXX  documation ( I hope to attach ). This is fraud on a grand scale which the SEC ( remember XXXX XXXX? ) fails to address.
Product: Credit reporting or other personal consumer reports

Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance Reported : {$3600.00} Disputed Late Payments : XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX V Inconsistent Reporting : The late payment dates do not match across bureaus, violating FCRA 623.

Failure to Verify : Under FCRA 609, I request proof that I was actually late.

V Metro 2 Compliance Violation : If my account was brought current, the late payment must not be reported as delinquent.