23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

1 ) Amazon gave me a Credit Chase Amazon Card and I used around XXXX {$2.00} ) less than 3 weeks, Chase closed my credit without any reason 3 ) Chase in a very odd action closed all my accounts. They called me a criminal person and in one word, the story of discrimination and racism started. 
4 ) I was paying that XXXX $ monthly and adked them to put it on auto pay 5 ) I didnt have/ still dont have access to any statement including this XXXX {$6.00} ) Chase called me why havent you paid? I said I dont even know where how how much and it was on auto-pay. That said it us not on auto-pay. Again, I gave them i formation and requested the auto-payment. 
7 ) This story of auto-payment is not on auto-payment got repeated many times.

8 ) One day I asked them you don't give me any statement, and I am assuming during closing my accounts some money disappeared. And, told them, why my auto-payment gets frequently cancelled, and you after a few months tell me 9 ) now, it has been 3 months, they have sent me a paper as some kind of statement, it is too interesting that for XXXX or XXXX $ left they charged me more than XXXX XXXX 
10 ) once one of them told me cone to this program and pay, that was a new trick I started paying XXXX $ monthly, but later I realized every single month, they not only charge me, but also this amount of mo ey doesn't exist on their papers. 
11 ) Anyways, I see after 1 year and half, and paying more than that XXXX XXXX they still demand XXXX XXXX 
12 ) I called them, threatened them to see them in the court as during closing my accounts, they harassed me, humiliated me, called me a dirty criminal person without saying which crime and after that they have always been trying to mess with me, charging me, etc. 
13 ) I told them I am not going to pay you and get charged and you have used the dirtiest tricks to rob me.

14 ) They are even ashamed of saying how many times, they charged me whereas I had no idea what was going on.

15 ) Now, I have cone to this conclusion that closing all the accounts of a customer after 11 years of being with them, and this kind of playing around in order to hurt my credit score, etc., not only needs to be reported to a governmental financial organization, but also I have to report and file a lawsuit against Chase Bank, particularly the branch in XXXX, California, XXXX, where they committed those kinds of atrocities against me. The fact being that I have been suffering from an idiopathic harsh complication, and Chase despite knowing that to be exact around the time, I was going to leave the cou try for my treatment in a cheaper country ', on purpose, just hurt me, is extremely weird, I really don't understand the situation.
Product: Student loan

I am trying desperately to get more information about the status of my XXXX Loan Forgiveness application, but XXXX continues to delay the process for an unexplained reason. They received my application on XX/XX/XXXX, and still have not made a decision.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally address the inadequate response from Bank of America, XXXX, and XXXX regarding my dispute of a late payment allegedly reported in XX/XX/2024. While the institutions claim the information is " accurate and verified, '' they have failed to provide the necessary documentation and steps taken during the investigation to ensure compliance with federal consumer protection laws.

Key Issues 1. Failure to Provide Investigation Procedures As required under 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to : - A detailed explanation of the investigation process.

- Documentation supporting how the late payment was verified.

To date, none of this information has been provided. Without it, their claim of accuracy is unsupported and can not be substantiated.

2. Violation of Billing and Reporting Requirements Bank of America has not demonstrated compliance with : - 15 U.S.C. 1666b ( TILA ) : Requiring billing statements to be sent at least 21 days before a payment due date.

- 15 U.S. Code 1681s-2 ( a ) : Requiring furnishers to ensure the accuracy and integrity of the information reported to credit bureaus.

3. Dismissal of Provided Evidence I submitted substantial evidence, including a no-fault letter from a third party and bank statements, showing this late payment was inaccurately reported. Despite this, my dispute was summarily dismissed without any acknowledgment or consideration of the evidence provided. 

XXXX. Inconsistent Reporting The late payment alternates between XXXX and XX/XX/2024 across credit bureaus. This inconsistency further demonstrates a lack of accuracy and compliance with the requirement to ensure maximum accuracy in reporting. 

My Formal Requests 1. Provide Investigation Details - A complete summary of the investigation process, including the steps taken to verify the disputed information.

- All supporting documentation used to substantiate the claim that the late payment is accurate.

2. Immediate Removal of Late Payment If the investigation details and supporting evidence can not be provided, I request the immediate removal of the late payment from my credit reports.

3. **Resolution Confirmation** Notify me in writing once the inaccurate late payment has been removed or fully corrected, including updated and accurate copies of my credit reports.

Final Note I have already followed the appropriate procedures and provided the necessary evidence to demonstrate that this late payment was reported in error. If the requested documentation can not be provided, Bank of America, XXXX, and XXXX must comply with federal law and remove the inaccurate information from my credit reports immediately. 

This matter has caused significant financial hardship, stress, and damage to my credit standing. I expect this situation to be resolved promptly and with full compliance with all applicable laws. 

Thank you for your attention to this matter.
Product: Checking or savings account

On XXXX/XXXX/XXXX I noticed a charge on my account of almost {$2600.00}. 

I called Chase bank to report that I had n't made the purchase. Chase advised they would put the money back in my account while they investigate. 

One Friday XXXX/XXXX/XXXX I received an email from Chase. I called the bank and was told that my fraud claim was denied, because everything " matched '' and they will charge the amount back to my account on XXXX XXXX. 

I did not make this purchase. 

I have spent many hours researching what happened. ( Something I wish Chase had done ). 

Someone ordered ( 2 ) projectors from XXXX online on my card, using my name and address. 

Then they had XXXX XXXX redirect the shipment to be held at the XXXX XXXX office for pick up. 

Then they picked it up at the XXXX XXXX office. The signature is NOT my name or signature. 

I have called the bank MANY times to resolve the issue, Chase is not being helpful. 

I tried to send them the signature I got from XXXX XXXX. They wo n't accept an email from me so I had to go to the local branch to fax it to them. I brought it on XXXX. 

Yesterday, XXXX, they said they could n't read the fax so I had to bring it in again today. 
My local branch submitted it today along with a copy of my signature to prove it does n't match. 

On Monday XXXX, I filed a police report. 

At the time the purchase was made, I did not have enough money in my account to cover the purchase. I do not have overdraft protection on this account, yet Chase chose to honor the purchase instead of declining it. 

I have had my accounts with Chase for many years. I honor my purchases. I have held up my end and done all I can to prove this is n't my purchase. Chase needs to hold up their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX {$710.00} XXXX  XXXX {$860.00} XXXX {$21000.00} XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already placed a fraud alert on my credit report due to someone stealing my identity. After reviewing my credit report i see that i still have issues with identity theft. there are several things reporting under my credit that was not opened by me nor authorized by me. I have listed those accounts here in this report and i will list the additional accounts that are fraudulent along with addresses that are not mine. I also filed a police report and i will list the incident number below. Addresses : XXXX XXXX XXXX XXXX, NY XXXX Additional accounts : XXXX XXXX Bank Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Please remove these accounts from my credit report it is stopping me from buying a house and other things. This information does not belong to me. The police report incident XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account for an auto loan with XXXX XXXX XXXX XXXX is reporting as a negative account with Innovis, but reporting current and never late with XXXX, XXXX and with the bank itself. Why is Innovis continuing to cause me to suffer by not properly verifying data as requested to insure that it is correct? This has had a major effect on my ability to obtain the credit that I need, due to Innovis lack of conducting proper investigations. Under 15 U.S. Code 1681i- it states that If after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency must promptly delete that item of information from the file of the consumer, or modify that item of information to reflect the results of the reinvestigation. This is the only reporting agency that continues to report this account as negative. Why?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is truly a misrepresentation of the law. Im just confused and feel abused by unethical procedures that are taken place. My kids can be homless because of the fraud. I have studied the regulations committed to protect the consumers from fraud and any inaccurate information on there credit report.

You are validating information that cant be validated unless if all parties in the matter are interviewed and giving a statement. The person who in fact stole my identity cant be interviewed because we do not know who it is. You are reasonably justifying these accounts but thats impossible because these accounts arent mine. According to FCRA 15 U.S. Code 1681c-2 Block of information resulting from identity theft within 4 days. I have submitted all the documents required according to the FCRA to have all accounts removed. This is completely wrong. I am a victim of identity theft. The data funishers can not say that these are my accounts. The information was stolen so you are validating accounts that shouldnt be on my report. You have 4 days in receipt to remove these accounts. Protect me from this fraud I am a victim. I am uploading all factual documents again. Thank you in Advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My FICO scored dropped from XXXX to XXXX ( XXXX  ) and from XXXX to XXXX ( Equifax ) in 1 month. I recently refinanced my home mortgage and both credit reporting agencies are showing duplicate hard inquires and an incorrect average age of accounts. I have had credit accounts since XXXX. XXXX  shows my FICO score at XXXX as of XX/XX/XXXX. 

If this information is not corrected with 30 days lawsuits will be filed against both companies seeking all remedies allowed by law.
Product: Credit reporting or other personal consumer reports

Account : Super.com XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX My XXXX credit card ( XXXX ) is listed twice on my report ( see pages XXXX ). I only had one XXXX credit card and it was closed on XXXX. 

Also, the XXXX card lists a {$360.00} balance in XX/XX/2023 but I never borrowed any money on this card. The balance was money I deposited onto the card and then immediately used. The XXXX card says it's a secured credit card but you can not borrow against it. You can only use the money you deposit and the money is not held in a security account. You do not borrow against the card or receive any credit to spend. You just add money when you want to use the card and then you can spend that much. The balance I carried was never borrowed from XXXX card. I deposited those funds and spent them the same day. 

I have attached XX/XX/2023 transactions to show that I would deposit money on the card and then immediately spend only the money I just deposited. I did not carry a balance as if I needed to pay XXXX back. There are no payments or statements or bills.
Product: Money transfer, virtual currency, or money service

I live between XXXX and the United States, I withdraw my pension from an ATM in XXXX that several times does not work well. On XX/XX/XXXX and XXXX, I tried to withdraw money from the ATM that is not from my bank, it was not dispensed. The value of {$130.00} ( on the XXXX ) and {$130.00} ( on the XXXX ) for a total of {$260.00}. On XX/XX/XXXX, before making the withdrawal as I had had the experience the previous day, I only withdrew {$5.00}. The cashier dispensed them. So I decided to withdraw {$130.00} and he didn't give it to me. I don't know if that's where the bank 's confusion lies, although everything is computerized, but I can't find any other reason for them to say that the teller dispensed the money.I made the claim to the Wellsfargo bank in the USA and after investigating they said that I did receive the money on the XXXXThey gave back the money only for XX/XX/XXXX. They decided to cancel my account because they considered it a high-risk account. I had to travel to the USA in an emergency to buy a ticket for {$1100.00} dollars to open a new bank account and organize the new direct deposit of my pensions. I had the account for XXXX years, never paid late, excellent credit report. I am asking the bank to prove to me that I did receive the money with a video, a statement from the company that manages the ATM in XXXX. This has brought me a lot of stress and economic imbalance. I have received treatment that has not been fair. In the past, when for some reason the ATM did not work immediately, Wellsfargo would give me a reversal. They don't do it anymore. They immediately deduct the money from the account and you have to go in to make the claim. The bank in XXXX where I used the ATM says that this claim is not with them. The card that I used is from Wellsfargo and they should respond to me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my r

ights 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 an account without my written instructions. 20 USC 1232g and 34 CFR 99 - Family Educational and Privacy Act of 1974 5 USC 552a - says you are not supposed to give your ssn Violation of the Family Educational and Privacy Act of 1974 When signed you stated you would not provide my information to anyone. You are violating my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX i informed Capital one XXXX XXXX also the credit bureaus that my identity was stolen and my information have been compromised into several data breaches and also someone fraudulent accounts have been opened without my knowledge they said they will investigate and they claim they did but i dont have a resolution into this matter under the fcra it states 15 U.S Code 1681s-2 a person or company shall not furnish any information relating to a consumer to any consumer reporting agency if the information is inaccurate i would like these fraudulent accounts removed please because its hurting my credit profile and effecting my ability to take care of my family i filed a police report the police report number XXXX i even sent them copies of the report and have supporting documents and they claim after the investigation everything true and accurate also i have cleared up the matters with XXXX  but XXXX  is still reporting it on my credit reports XXXX  and XXXX  removed it already also i informed the credit bureaus about an unauthorized inquiry i found on my report told them to remove it but its still on my credit report
Product: Checking or savings account

On XX/XX/19 a check for {$410.00} cleared my Wells Fargo Checking account leaving an available balance of {$19.00}. A deposit of {$20.00} was made into the account on XX/XX/19. Over the weekend automatic debits and purchases with a debit card came in for XXXX {$7.00}, {$9.00}, {$12.00}, {$3.00}, clearing the bank on XX/XX/19. None of the payments were declined, and despite showing a positive balance when the check cleared, Wells Fargo assessed a {$35.00} Overdraft Charge applied on XXXX-19. I had previously disabled overdraft protection on debit card purchases when the CPFB came into existence. Wells Fargo was supposed to decline to pay the transactions at the terminal at the time of purchase. 

When I called to complain the WF Employee tried to explain to me that the debit transactions happened in such a way that they caused the overdraft fee. I insisted that I had opted out of overdraft protection on Debit Charges and the statement clearly showed there was a positive balance after the check cleared. The agent continued to argue and interrupt me. He denied that Debit Card transactions on opt out accounts were legally exempt from Overdraft Fees. I reminded them of all the fraudulent activity WF was in the news for again, and that now they were stealing from me. He agreed to waive half of the fee and stated that was all the system would allow him to do. I told him that was unacceptable for them to steal any money from me under the guise of Overdraft Charges for a check that did not bounce. He told me I would have to talk to someone higher up and I insisted he transfer me immediately. 

The next person came on the phone and the situation repeated itself, only this time he offered me an additional 15 % discount on the charges and that was all the system would allow him to do. I told him I do not care about any of your systems, this is not a negotiation I will report this to CFPB. I am not negotiating the amount of money I will allow Wells Fargo to steal from my account. He then refunded the entire {$35.00} fee immediately and I ended the call promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This formal complaint is against XXXX, XXXX and TransUnion for unlawfully reporting fraudulent accounts that were established using personal identification without my authorization or written consent. XXXX has willfully and negligently ignored multiple dispute requests to properly address fraudulent information being furnished on my consumer report. You have failed and neglected to provide written proof and validation that these alleged accounts belong truly to me. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX I presume that no proof of the alleged accounts, nor therefore any such debt, in fact therefore exists.
Product: Credit card or prepaid card

Written notification for verification of who and how this alleged debt was verified to this debt collector has been sent on the following dates : XX/XX/2022 & XX/XX/2022, with no response each time. On both occasions, a 30 day investigation period was given. This company has not been in compliance of the FCRA laws during this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with FCRA, the creditors listed below have violated my rights under 15USC 1681, SEC 602, which states I have the right to privacy, 15 USC 1681, SEC 604 9a ), Section 2, which states a Consumer Reporting Agency can not furnish an account without my written instructions. 

Creditors : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXXXXXX XXXX I have Identified information on my consumer report that are a result of Identity Theft this items are not related to any Transaction completed by me 15 U.S Code 1681 c-2 - Block Of Information Resulting From Identity Theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not begin made in error ; nor is my request to block begin made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. without my explicit permission, thereby breaching the confidentiality and trust that should be upheld in our business relationship. Under the provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, I demand that you cease and desist from further disclosing my personal information without my consent. Furthermore, I hold your institution liable for any damages that may have resulted from this violation, including but not limited to harm to my credit report. As such, I hereby demand compensation of { {$1000.00} } for each violation and adverse effects on my creditworthiness and financial standing. Failure to rectify this matter promptly may result in further legal action to protect my rights and seek appropriate remedies. 

You are required to do what I am asking and block these transactions from begin reported to my consumer report with 4 days from the date of the receipt of this notice. I look forward to your response. Thank you
Product: Debt collection

On XX/XX/XXXX XXXX notes to XXXX that my account was in collections. On XX/XX/XXXX XXXX XXXX XXXX but my account in collection to XXXX. I have both companies listing the same debt I owe on my XXXX credit file. I believe that it should only be listed once. I called XXXX XXXX on XX/XX/XXXX at XXXX and they said when I pay the debt then both companies will remove it from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number XXXX Capital One n accordance with the Fair Credit Reporting act XXXXXXXX Account # 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 Also the amount reported IN XXXX AND XXXX are inconsistent meaning wrong information is being reported and without my permission.