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

I signed into my chase account where I had both personal banking ( checking ) and a credit account. I consistently had overdrawn the checking account over an extended period of time but other than fines no other repercussions were communicated to me ( not via email, secure message center, alerts center, or statements ). 

Right before the account was closed I was receiving alerts from chase around fraudulent or suspicious activity - specifically that my personal info was being shared on the dark web, specifically my social security number. Around that time I received a notice from a financial institution that they had a system failure and thousands of peoples info was leaked including mine. I worked with the institution to understand steps they were taking to resolve and also signed up with experian and chase to more closely monitor all activity related to my accounts and personal info being used. I believe my account was closed due to suspicious activity but I still have no confirmation. I have reached out to chase customer services multiple times and was told by representatives it was not something they were able to help me with. I have not been to a chase branch in person. 


Also to note - I also have a chase sapphire credit card with outstanding debt of {$4100.00} I am currently in the process of finalizing the final payment to pay off that outstanding debt. The payment is scheduled to go through XX/XX/XXXX. I am not sure whether that could be another reason for the closed checking account. 


I am currently able to log into my chase online account but all that is there is the credit account, all information and any trace of info around my now closed checking account is not on the site and not available when I requested statements from customer help center. 


I even tried to open a new checking account with chase just to make the credit payments easier and to be able to continue monitoring the suspicious activity but was declined because of my outstanding credit balance. 

I am not sure whether Ill be able to reopen or open a new checking account once I pay the full balance tomorrow ( XX/XX/XXXX ) but regardless I would like to understand why my account was closed with no communication or notice given. 

Ive had a very hard time scrambling to open other accounts to stabilize my money in one place and this is all very stressful. I currently am using discover checking and XXXX checking accounts to hold my money and I struggle with both to get approvals for wire transfers, etc given a lot of institutions dont recognize or allow activity with XXXX XXXX discover. 

I have checked paper mail paperless mail my email my inbox on chase.com and reviewed for any calls or voicemails from chase - nothing. I am only referred to the same link to statements and documents which is not at all what I am trying to get help with. Ive asked via documented communication chats with chase for escalation or to speak to someone else and was either met with auto responses directing me to FAQs or once I was given a toll free number to call to open a checking account ( also not what Im looking to do ).
Product: Checking or savings account

I recently ordered a new card ending in XXXX. However, XXXX was able to charge my old card ending in XXXX and the funds were taken out my account. I have not added my new card to XXXX yet and XXXX transactions shows that the XXXX card was charged. No issue there because I know where the charges came from but my main concern is what if the reason I ordered a new card was because of unauthorized transactions. Does this mean that those people can still use my previous card number to access my funds? I went through their chat and tried speaking with an agent but there was no luck there. This seriously has me wanting to close my account because that is so unsafe and makes me feel like the security is jeopardized. There should not be a way for my previous card to still be linked to my account. This is a serious security issue.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX XXXXXXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
XXXX {$5500.00} ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 


Accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Dear Sirs at Chase Bank only - XXXX ONLY - NO XXXX Allowed. I speak with XXXX ONLY in XXXX, TX, I am not allowed speak with XXXX, period. 

I do not happy with Chase Bank - checking account opening new account. with my Coupon Code : XXXX, it was declined account. I felt Chase Bank discriminated against me cause of declined account. 

I am not like both of XXXX XXXX XXXX and Chase Bank turned me down that called discriminated addresses notified to U.S. Senators in serious matters.
Product: Debt collection

Back in XX/XX/XXXX, I contacted XXXX cellphone insurance plan through XXXX XXXX XXXX for a replacement. I ordered an XXXX XXXX XXXX XXXX for a deductible of {$290.00} on XX/XX/XXXX and that phone never reached my door as the insurance adjuster intercepted that phone and it was sent back to warehouse. I called XXXX XXXX XXXX and XXXX together to get this issued resolved and so another XXXX was sent to me on XX/XX/XXXX and I received that one. 

On my billing for XX/XX/XXXX I see 2 charges on my XXXX XXXX XXXX bill and I called XXXX XXXX XXXX and they said that I had to call XXXX to resolve this. I called XXXX  and nothing was done to correct the issue. I called again in XX/XX/XXXX and wrote the name of the representative and said it would take 2 to 3 billiing cycles for a refund. But that never happened either. 

My XXXX XXXX XXXX bill was very wrong for 4 months because the overcharge was not refunded in a timely manner and XXXX XXXX XXXX closed my account and now I owe XXXX XXXX XXXX {$3900.00} in XX/XX/XXXX. I tried to make payment arrangements with XXXX XXXX XXXX but still with no refund I could not keep up being charge late fees for owing XXXX XXXX XXXX so I said I could not pay it and I let it go and went to a government paid subscription with XXXX as I owned my phone XXXX XXXX Active. 

I had my BCM ( Blended Case Manager ) XXXX help contact XXXX and she was taking notes from the call as I was speaking to them and I received an email from XXXX on XX/XX/XXXX that they have just refunded my XXXX XXXX XXXX account {$290.00} and I did not agree with that decision when they are guilty under law to refund the overcharge of an XXXX which I never received and now the account is in collections. I did contact XXXX  representative immediately after I received my bill. 

I have disputed the collection with Credence Resource Management , LLC and nothing is being done because now I am contacting CFPB for reporting XXXX   negligent to refund in a timely matter when it was their mistake when their insurance adjuster intercepted the first XXXX XXXX XXXX XXXX and I never received it. But yet XXXX billed XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 

I had signed up with XXXX XXXX XXXX BOGO in XX/XX/XXXX before my ending of my billing cycle. I was told by XXXX XXXX XXXX representative that I would start seeing credits for the BOGO in 2 to 3 billing cycles but never did. Once XXXX billed me for an XXXX XXXX XXXX XXXX on XX/XX/XXXX my bill was too high and wrong and XXXX XXXX XXXX never gave me the credits because XXXX  billed me wrongly and should be held responsible for my XXXX XXXX XXXX account collection. 

XXXX  XXXX XXXX XXXX XXXX, TN XXXX No Phone number All transactions done online through XXXX and XXXX I did receive an email from a representative and it is in the documents that I have provided.
Product: Credit reporting or other personal consumer reports

Student loans were supposed to be in forebarance as of XXXX, when I spoke with the loan department.
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. 

Account Name : XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 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: Credit card or prepaid card

I called Citi about a credit card statement that I inadvertently forgot to pay. The balance was {$97.00} on that statement. I paid for a {$5600.00} insurance policy the next month and when the statement came due, it had a {$100.00} interest charge. There's supposed to be a grace period on my XXXX insurance policy, but for some reason the interest from the {$97.00} statement is being applied to the entire balance. This is predatory and totally unfair. This is a backdoor way to have 1200 % yearly APR. Second issue is that the rep that I was transfered to just closed my account as I was asking questions. I wanted to know how my points would be accessible and if and how refunds would be posted. I did not intend to close that day as I had a large balance of points incoming and a few refunds and wanted to make sure my payment would post and I would still have access before closing but the rep didnt listen to me and went ahead and closed it. XXXX is the last rep I spoke to and he informed me that someone could listen to the recording and reopen the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights.
Product: Vehicle loan or lease

Refuse to help make some kind of arrangement to help with payments, refuse to allow to deferr even a payment. Now they are calling my employment office. I work in the field all day. My boss calls me and tells me he just received a call from ally financial asking to speak to me and began to elaborate on my financial situation to my BOSS!
Product: Debt collection

The correct high balance that was sent to the collection agency has not been reported. The collection agency reported a different amount than what the documentation says. The collection agency did not report the amount that the original creditor provided them with. The collection agency reported XXXX different amounts of {$950.00} and {$1.00}, XXXX. The company is named reliant capital solutions llc.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account on my credit that is not mine I need this off my credit report since it does not belong to me in any shape or form I have not applied signed or used an account like this. 

XXXX/XXXX  - XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

The following is a letter I sent to Chase, regarding my issue attempting to lawfully obtain a signature guarantee on private securities : I am requesting a copy of your banks written policy regarding signature guarantees by your banks certifying individuals. On XX/XX/XXXX I, XXXX XXXX XXXX attempted to have a medallion stamp for my private placement security issued from XXXX and was refused service. In addition I was treated and talked to in an uncomfortable manner. From my understanding of the law as a member of your bank in good standing such request are not subject to challenge on account of personal preference. If your institution is exempt from the application of 17 CFR 240.17Ad-15 and 31 CFR {$300.00} an affirmative statement is required to rule out the presumption of racial disparity and denial of services based on the race of this member customer. 
Chase Bank has had a longstanding history of discriminatory conduct with customer with a brown skin complexion. According to your company website, In XXXX JPMorgan Chase announced its {$30.00} XXXX XXXX XXXX XXXX to help close the XXXX wealth gap and advance economic inclusion among XXXX, XXXX and XXXX customers and communities that are XXXX in the XXXX. 
SourcXXXX XXXX XXXX XXXX XXXX 
Therefore, a demand for full disclosure on your policy to deny my earnest request for a signature guarantee stamp for my security instruments. If no response is provided within 72 hours of receiving this communication it will be concluded that your institution denied my request for a signature guarantee stamp by your banks certifying officers based solely on racial discrimination and will be escalated accordingly. 


On XX/XX/XXXX, I received a phone call from Chase on which they said they would not be providing me with this service and they would be denying my request to have their policies regarding signature guarantee in writing, which per the Federal Code of Regulations, they are supposed to provide. I even read out the statute to the representative, and they still refused my request, despite them saying they are subject to the Federal Code of Regulations. I believe these decisions are racially motivated as there is no lawful reason why my request for service, or my request for their signature guarantee policy is being denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making a request to have All Closed accounts on ALL 3 credit reporting agencies : XXXX, Equifax, and XXXX, DELETED from their databases. 

All three credit reporting agencies have not deleted items off my report since I have requested multiple times for them to do so as they have not provided me the Original Signed Documents for any of the accounts that are listed and would allow them to report any of the accounts on all 3 reporting agencies.

items are past or near statute of limitations and bare no such right to be on my reports at all as accounts are Old, Closed, and have not been deleted and resolved upon my previous requests. 

I have attached the disputes I have sent to them showing details of dates, names of accounts etc.. that need to be deleted immediately.
Product: Debt collection

On XXXX XXXX, one of the representatives of Credence Resource Management , LLC called me regarding my delinquent account with XXXX XXXX XXXX. I made a payment plan to pay my account in 3 payments. The representative suggested that I make an earlier payment. I told him I lost my job and that this is the best I can do right now. He agreed to my payment plan and noted it in my account. 

I did not give my bank account details or approved an auto debit from my bank account. I specifically told the rep that if I am able to pay ahead I will call Credence. I did not make any call after the first time I spoke with Credence. 

I found out today that my account was debited an amount higher than what I said I will pay. I did not authorize Credence to auto debit my account for that amount. I did not even provide my bank account details, which makes me wonder how they got it in the first place. 

I called Credence again and the rep said they will refund the full amount debited but that it will take them 15 days to do so. I still think it was wrong practice for them to just go ahead and debit my account for an amount that I did not agree to. 

I emailed a dispute to the company and informed them that I am sending a complaint to CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a medical bill from XXXX reporting a collection on XXXX of my credit reports. The bill is from the birth of my XXXX in XX/XX/2018. At the time I was admitted into the hospital I was covered under XXXX insurance for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also added my daughter to my employer 's XXXX plan and it was back-dated to her date of birth. Additionally, I was in bankruptcy at the time of her birth. The collections is under XXXX and XXXX and says the original debt was incurred this year, which it wasn't. This debt should have been disclosed XXXX years ago, but I am just being billed for it this year. All of the previous claims that XXXX has sent me were handled by the VA. I have documentation to prove my claims and somehow the XXXX and Equifax are claiming that the debt is valid and correctly reported.
Product: Credit reporting

Equifax provided my credit file to XXXX XXXX XXXX Fraud and Prevention services without my consent or expressed authorization. I did not initiate business with XXXX XXXX XXXX on the date in which my file was submitted. I am requesting a security freeze on my Equifax credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed, well before the due date. 
Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX