23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XXXX XXXX I deposited {$630.00} into an ATM XXXX. The machine malfunction and it spit out a receipt with a number to call. I called the number reported the incident. Chase put a provisional credit of {$630.00} on my account. I went to another ATM at he bank and was able to deposit funds with no issue. On XXXX XXXX Chase reversed the provisonal credit. So they withdrew {$630.00} from my account which put it in the negative. When I called the claims department they told me that the ATM technician did not find the money in the machine. I asked the representive to play the video tapes at the ATM, I put money in the machine, and I knew the exact amount because I deposit my money like this every month, also I went to another ATM and was able to deposit the rest of my funds. I went to the bank with {$1000.00} between XXXX ATM deposits, XXXX receipt shows my {$400.00} deposit and the other receipt has a customer service number to call. When asked to play video footage at the ATM the representive said the ATM video is only facial recognition. I want to know what chase bank did with my {$630.00}. Further more chase has had my account in the red and I have not had access to my funds for over 24 hours. I believe this is untimely way to fix the situation. Chase made the error yet I suffer and my funds are gone. I feel robbed and I feel like I ca n't call the police about. Chase needs to give a direct answer to where my money went. They stole {$630.00} from me twice now, and I want answers.
Product: Credit reporting or other personal consumer reports

I am filing this complaint in regard to EXPERIAN. I did not receive any written documents within 5 days after the reinvestigation was complete regarding the accounts that were recently in dispute. This is a violation of 15 USC 1681i ( 6 ) ( b ) ( 3 ). I want the accounts removed. The accounts in question are still inaccurate. I want these accounts removed.
Product: Credit card

On XXXX XXXX I submitted a credit card application to Citizens bank ( bank ). 
The denial letter dated XX/XX/year> ( same as application date ) states UNABLE TO VERIFY INFORMATION ON CREDIT APPLICATION I called the bank and a customer service representative ( rep ) verified and confirmed the following information : First and Last names Social Security Number Date of birth Home address Mothers maiden name. 
He transferred me directly to a supervisor ( sup ) who identified him/her self as XXXX XXXX XXXX spelling might be incorrect ). The sup stated that the bank is not able to identify myself. She refused to state any particular details stipulating that I can use that information to correct my personal data in order to obtain credit. This is a violation of the Equal Credit Opportunity Act ( ECOA ). Answering my question, she confirmed that the bank may use applicants origin and ethnicity data based upon how applicants name sound and their addresses in credit decisions. Please note that it is a direct violation of ECOA. She stated that that the refusal is based on the information from my XXXX credit report. Please note that the personal information I provided on the credit application and verified by the bank rep matches exactly XXXX data. In addition, I have an excellent credit rating based upon all three credit agencies data. 
Furthermore, the banks credit application contains XXXX ( legally troubled company known to provide incorrect information ) style questions such as asking about the make of the car I driven XXXX years ago, the street of an address I was affiliated with XXXX years ago and people I do not know. 
In conclusion, the bank obtained my credit report with no intent to consider my credit application in violation of Section 604 the FCRA.
Product: Checking or savings account

My name is XXXX XXXX. I recently opened a bank account with BMO Harris bank. The following day I deposited my check into my account. That next day my funds were available but I couldnt withdraw due to my account being frozen. I cant access my funds from a check that I deposited
Product: Credit card or prepaid card

On XX/XX/2019, I purchased a large refrigerator from XXXX XXXX for {$5800.00}. XXXX contracted with a company called XXXX to deliver the refrigerator and haul away the old one. On XX/XX/XXXX, delivery company was extremely careless and caused significant damage to the new fridge and my limestone floor. After a week of trying to work things out with XXXX/XXXX, they continued to give me the run around refusing to replace the refrigerator and repair the property damage. For more than a month I have been bounced between XXXX, XXXX, their insurance companies and insurance of their contractors. No one wants to accept responsibility. 

On XX/XX/XXXX, I contacted Chase to stop payment to XXXX XXXX. On XX/XX/XXXX I submitted all the supporting documentation, pictures and evidence of the damage in the fridge and my property. 

Chase refuse to perform their obligation under federal credit law of protecting my purchase and stop payment to XXXX XXXX. It is taking them more than three weeks to process my claim, not stop payment, just make the decision to stop payment. I called them numerous times and get faced with rude dispute representatives and supervisors who don't want to even put me in touch with the person who is looking into my claim.
Product: Credit reporting, credit repair services, 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 confidentially under 15 use 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has Violated my rights. 

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 convictions of crimes which antedates the report by more than seven years.

15 U.C.S 1681s-2 ( A ) ( 1 ) A person should 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 accurate.
Product: Credit reporting

I received my credit report from Equifax on XXXX XXXX, 2016 ( # XXXX ). I pulled my credit report form Equifax # XXXX on XXXX XXXX, 2016 and still have negative account info listed for # XXXX and XXXX. If you view the attached Equifax report it clearly states the history was deleted on report number XXXX ; however, this stilled displayed on my credit report. Also, all old address should have been removed from my profile as requested.
Product: Credit card or prepaid card

I went to a website XXXX to buy 2 pair of running shoes and paid via paypal credit. Something didn't feel right during the checkout process but I continued given it was via paypal and they claim I have buyer protection. The purchase was made on XX/XX/2023 for XXXX. 

2 days later after not hearing anything from the company or being able to speak with them I reached out to paypal to dispute the transaction telling them I believe this to be a fraudulent merchant. PayPal immediately closed and denied my claim twice telling me this is not their issue and I need to pay them the XXXX
Product: Payday loan, title loan, or personal loan

Throughout the month of XXXX, I attempted to purchase concert tickets with my Klarna credit. My statement says I have a {$3000.00} credit limit. I go through their app and attempt to make a purchase and I'm denied. The denial says it's due to payments are behind. This is not true. I chat beginning XX/XX/XXXX with their online rep and the first rep says that they need to escalate. I get to an " escalation agent '' she proceeds to tell me that my account is frozen due to fraud. I ask what type of fraud, who is reporting this, who initiated a fraud claim, and why wasn't I notified if my account was breached? She proceeded to say that she wasn't a liberty to give me this information and that another " escalation agent '' would be contacting me in 24 hrs to give me more details. I never received the call. I placed a 2nd call on XX/XX/XXXX to their customer service team and was now told that there wasn't any fraud on my account and that the previous agent was incorrect. I now needed to possibly make an additional payment on my account ( which I already had done based on a bot chat ) but he did say that within 24hrs another escalation agent would reach out. No one ever did. I placed a third call on XX/XX/XXXX to inquire on why I hadn't received a call. This agent now repeated that there is a fraud flag but I could have this resolved by connecting a bank account to my profile and this would clear the error. I did this and still my credit is being denied even though my statement shows I have credit. I attempted again on XX/XX/XXXX and I'm being denied. I spoke with on online agent and he referred me to call the customer service team again. I've literally spent hours trying to resolve this issue and can not get anyone to explain A ) the fraud in question B ) is this the true reason I'm being denied the credit that was extended C ) which of the agents are correct D ) can not get a call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrectly my balance on my XXXX XXXX XXXX XXXX Vehicle loan. I have provided a snap shot of what is currently being reported. Current loan amount of {$9200.00} is incorrect and needs to be {$9000.00} as the other two bureaus are accurately reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I initiated an investigation with this company to dispute unknown and inaccurate items on my credit report. Until this day, XX/XX/2020, which is over 60 days later, I still have not received a response. This company feels that they can get away with ignoring me since they  think I have no recourse but I am writing to you ( CFPB ) to help me with this situation and ensure they are adhering to the law. Section 611 ( a ) of the FCRA, clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been MORE than 60 days these items should be deleted right away. I require these accounts be deleted immediately or I will file a lawsuit due to the damage this situation has caused. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

ISSUE WITH EXPERIAN REPORT # XXXX THERE IS A HOME ON MY REPORT THAT I HAVE NO KNOWLEDGE OF : XXXX XXXX XXXX XXXX, XXXX MN XXXX THIS COMPANY BELOW HAS SOMETHING TO DO WITH THIS PROPERTY!! XXXX Phone XXXX Mail XXXX, XXXX XXXX XXXX XXXX XXXX, WA, XXXX MY NAME IS XXXX XXXX ( XXXX ) I DIVORCED : XXXX XXXX IN XXXX - HE ALSO GOES BY : XXXX, MY CURRENT ADDRESS : XXXX XXXX XXXX XXXX , XXXX XXXX MN XXXX MY SOCIAL SECURITY # XXXX DATE OF BIRTH XX/XX/XXXX my email is my only contact : XXXX MINNESOTA STATE ID # XXXX MINNESOTA DRIVER LICENSE # XXXX and XXXX this home is on my credit report, can u tell me who sold this property and who bought it. 

no knowledge of these inquiries XXXX XXXX via XXXX XXXX IN XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, PA XXXX Phone ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, IA XXXX Phone ( XXXX ) XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021. The following day I submitted the forms to have my student loans discharged. The student loans were discharged, but none of my credit reports were accurate. I filed disputes for all of the student loans shown on XXXX, Transunion and XXXX 's reports. XXXX shows completed, however the past due dates are still present on the credit report. Transunion and XXXX have more than 24 student loans listed for me, but most of them appear to be the same loans that were at some point transferred to another servicer. We are about to purchase a new home and accurate credit reports are vital to our family. Thank you.
Product: Credit card or prepaid card

Approximately 6 months ago a pop up came up to apply for the new Paypal cash back card when I signed into paypal. The card is supposed to pay 2 % cash back on all purchases. All the paper work, my monthly statements and the card itself state this. But evidently internally to the company it does not pay 2 % cash back.I have been promised a call from a supervisor numerous times and have never gotten one. I would like the company to be honest about what is going on.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquires on my credit report and wish to have them removed. references include. 
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 15 U.S. Code 1681 section 604 A SECTION 2 15 U.S. Code 1681 section 602 A - Congressional findings and statement of purpose ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
Product: Money transfer, virtual currency, or money service

I hold a Bank of America bank account in the United state with with an account number : XXXX. Several days ago it sent XXXX fraud transactions through XXXX to an unknown XXXX account in XXXX without any notifications. 



Below are the transaction information I got from XXXX  Bank Name : - XXXX XXXX - XXXX XXXX Account Number - XXXX XXXX - XXXX Country : - XXXX transaction reference number provided by remitly : XX/XX/XXXX ( XXXX dollars ) : XXXX XX/XX/XXXX ( XXXX dollars ) : XXXX After I reported the incident to XXXX bank and XXXX cybersecurity department and blocked the hacker 's bank account and froze the XXXX transactions in XXXX, I received several blackmailing emails which threatened me to expose my school credential information and bank account. The hacker also held an illegal website which conducting illegal hacking activities : XXXX XXXX XXXX Hire A Hacker Rent/Hire Verified Hackers At Affordable Price For Email Hack XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Hack 100 % Safe And Secure Payment Method Genuine Result XXXX  The IP address found for the website is : XXXX The IP address found for the email is : XXXX I disputed the XXXX transactions several days ago while the investigation team said they don't have enough information to prove these are involuntary transactions and since the money has reached the hacker 's bank account, bofa can't compensate me my loss. While right now since I've reported to all the relevant US police departments and have enough evidence to prove that those are not voluntary transactions, and I also have the money frozen from XXXX XXXX side, I'm wondering if it is still possible to get my money back? 



the relevant documents are attached to the email, thank you so much in advance for your help.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

I experienced a XXXX point drop in credit score with experian with no changes to credit report at all. Utilization, payment and accounts were basically identical for past 6 month then suddenly a XXXX point decrease. No new credit or inquiries. Even when I click on see whats changed option, the only thing it states is 3 accounts aged a month which could have good impact on score. I spoke with 2 people at experian for hours that combed report and couldnt explain drop bc they didnt see anything that could cause the drop. I was told to contact FICO. They said it was unexplainable too and also noticed Experian was counting my XXXX balances against utilization and informed me this wasnt correct reporting practice either. Including XXXX I still kept Utilization between 3 to 5 %. FICO stated a supervisor would contact me after looking into the situation. That was a week ago. Still waiting.
Product: Student loan

I just completed loan rehabilitation and my account is back with the normal servicer. When I logged into my account, it stated that my loan was immediately due. On XXXX, I called the loan servicer to ask about a payment plan. I was told that I had to submit a financial hardship payment agreement form. I submitted that form on XXXX and called to follow up. When I spoke to the representative, I was told that my account was under review and to not worry about it. On XX/XX/XXXX I received an email stating that my account is under review. On XX/XX/XXXX, I sent another email to follow up about payments as I do not want to default again. On XX/XX/XXXX I received an email stating that my account has been past due since XXXX. I have not received a statement since XXXX. I went on my account and paid the past due amount since I do not want to default. I had been calling to figure out payments but I was just being told that my account was under review.
Product: Credit reporting or other personal consumer reports

Credit Karma is reporting my home property value by others inquiry without my consent. 

It is violation on the part of the agency to list price of my property market value by annuity by others without verifying the inquirer is the owner of the property. 

This is in inappropriate business practice
Product: Debt collection

To Whom It May Concern : I paid my final bill directly to XXXX in XX/XX/2017. I checked my credit report recently and was surprised to see XXXX XXXX reporting a " Paid/Closed '' collections account citing XXXX as the original creditor. I was never contacted by XXXX XXXX regarding this debt. By law, they had to notify me that they were collecting the debt before they could take any action, including reporting the account to the credit bureaus. I have never received any communication from Convergent, neither by mail, nor by phone. The account was paid in full to the original creditor. Moreover, I was never contacted by XXXX XXXX informing me they were collecting the debt. Therefore, XXXX XXXX must stop all collection activity on this account. This includes, but is not limited to, negative reporting to the credit bureaus.
Product: Debt collection

At the start of this loan I had a call to my place of employment. My job has two telephone numbers. They are XXXX and XXXX. Not sure which one they are calling. However I requested that GM Financial only contact me on my cell phone. That request was honored until I was late paying. So far I have told GM Financial three times to stop calling me at my job but yet they keep calling. They call on my cell phone I answer and tell them that I cant talk because Im at work. We disconnect and then they call my work telephone number. 

The collection practices they are utilizing is very time consuming and distracting for me at my place of employment. Its causing anxiety/panic attacks. If they continue I won't be able to maintain my employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue I am having is that there are late payments showing on all 3 credit reports which are holding back my credit score. I had received retro forbearance that covered the late payments AND paid the fees to do so. I have a statement showing those fees being paid. After numerous requests to correct those issues, correct the spelling of my name, or to just remove the account. I have received no resolution to my problems. The response comes back as verified accurate even though they will not provide me with any proof from the investigation. I have filled disputes online with all 3 bureaus. The account is paid in full and closed yet I can't get any help with corrections. The student loan is with Navient who are impossible to deal with and I have had the worst experience dealing with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several investment properties which I've been paying on auto pay for years. In XX/XX/2022 my mortgage provider, XXXX XXXX, transferred my loan to XXXX XXXX. I did not receive notice of this. Months later, in XXXX, by chance I noticed my credit report took a major hit due to a late payment to XXXX XXXX. 

I called them to figure out what happened, and it turned out they were now the servicer of my mortgage, and so I was late paying them because I had not realized that my mortgage had been transferred. They had an old address of mine on file, an incorrect home phone number listed that was not mine or any of my past phone numbers, the correct mobile phone number, and the correct email address. In addition, I had been receiving advertisements by email from them for months, but received no emails relating to billing or late payments. 

I immediately paid off the bill and requested XXXX XXXX remove the late strike on my credit report, and they refused. I filed disputes with XXXX, Transunion, and XXXX, and they refused to rectify the situation. Finally, I contacted an attorney, and they suggested I reach out to the CFPB. I've had a stellar credit report my entire life, and never miss any payments, and now my credit score is down over XXXX points due to this issue. I feel this is not my fault, the mortgage provider had my cell phone number and email address, which they were using to advertise to me for months, but never sent any notice of bills due or late payments.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for violation of it's terms but have no example and will not reinstate my account or give me any reason why they will not. I have not purchased it sold any goods that would have violated the ToS.