23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I'm a Chase Bank customer and I have been doing global wire transfer with them without any issue, however, I wired {$50000.00} to my brother on XX/XX/2020 which is the date Chase claimed the wire was completed but the recipient never receive the money. I contacted Chase three weeks ago and as of now there is no solution for my problem. They said a week ago that they initiated a wire recall but I did not believe them as such process will not take that long. The case number for this issue is XXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Discover Card made claims that I was indebted to their company. I disagree with this claim. Discover Card misrepresented material facts that would have lead me to make other decisions based on our business relationship. My endorsements on the contract gives it value and Discover Card then sold the instrument for cash value and then assigned their liability to me for repayment. This is fraudulent misrepresentation because Discover had a duty to disclose this would happen when I endorsed this contract. They did not and will not take responsibility for their actions. I have filed arbitration against Discover and hereby give notice.
Product: Credit card or prepaid card

On XXXX after checking my XXXX XXXX report I discovered a credit card account that was not opened by me with a balance of {$4100.00} on it. After realizing this, I proceeded to call the number of the creditors listed on the XXXX XXXX XXXX. After explaining my situation they proceeded to freeze and start an investigation and that it could take from XXXX to 90 days. On XXXX I received a letter from TD Bank informing me that due to a lack of evidence to substantiate my fraud claim, it had been denied. The letter also included merchant sales and delivery confirmations copies. After receiving that letter, I proceeded to call the number at the bottom of the TD Bank letter in order to ask more questions about the issue. However, every single one of my calls got directly sent to voice mail. After many failed attempts on making contact, on XXXX, I was instructed to visit the legal office on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After speaking with the Legal Officer, I was given a package with instructions on the necessary steps to take to move forward with my claim.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to request validation of the debt you claim I owe. According to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX statements alone do not constitute sufficient evidence of a debt. I require a proper validation of this debt. In accordance with 15 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter. Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports. Failure to comply with these requests may result in further action on my part. I expect an immediate response. Please address all future correspondence to my address above. Thank you for your immediate attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported something on experian about a company that has a record of preying on me reporting false information. Experian is not conducting an investigation and instead allowing the company to perform their own when they are already being crooked. I called experian and asked what information they could possibly be receiving from this company and they told me that they do not receive any documentation from the company who conducts their own investigation which is absolutely absurd!
Product: Checking or savings account

My account in CitiBank was blocked in XXXX XXXX, I noticed until XX/XX/XXXX, Citi said XXXX can unblock my account once I receive a physical letter to do a verification, nothing arrived after XXXX times, XX/XX/XXXX I decide open a complaint with cfpb, complain number # XXXX. Citi Bank answered to this complaint on XX/XX/XXXX saying my account it is going to be close in XXXX days, they can reserve the reasons to close the account. 
I have been called Citi since that notice like 4 times, every time I have receive a different answer, between XXXX, XXXX and XXXX I receive different information like : - I need to wait 30 days to see if the account it is closed. 
- I need to wait 60 days to see if the account it is closed, even in this time the person told me I will send you physically your statement because you can not access, I receive in home my statement from XX/XX/XXXX - XX/XX/year>. 
- I need to wait after 60 days period, XXXX business days to get a notification that my account it is closed and a check with my money. 
Today, I receive the message ( again since XXXX ) that I need to wait a physical letter, I called twice and both times they said I need to wait a letter. 
I do not understand how that physical letter never arrives, but I have received promotions from Citi saying I can get a card associated with XXXX.
Product: Credit reporting or other personal consumer reports

Please find attached, my Notice of Dispute and Request for Investigation of Billing ErrorValidation and Verification of Alleged Debt with XXXX. XXXX XXXX XXXX XXXX XXXX dated XX/XX/2024, regarding the Alleged XXXX XXXX XXXX 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 TransUnion to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any 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 Balance : {$20000.00}
Product: Student loan

Companies was banned from doing business with consumers and should Cease-and-desist all contact
Product: Credit reporting, credit repair services, or other personal consumer reports

About 2 years ago had an cell phone account with XXXX XXXX XXXX and ended account because store personnel at the XXXX XXXX Store, XXXX, GA., made changes to account without my approval. Only ( myself ) person opening account could make any and all changes, which I did not approve or make. Notified XXXX XXXX store management and XXXX Headquarters of issue which they did not resolve. Account was closed, equipment returned and agreed amount from original contract was paid in full. XXXX submitted debt collection to credit reporting agency at which time I submitted a dispute to debt indicating XXXX made change to account without my approval. In XX/XX/2019 requested credit from XXXX XXXX XXXX, who requested a credit report from Experian. Upon receiving the report from Experian, they informed me of the dispute but was unable to see signed/verbal documentation submitted by collection agency, date dispute submitted or my information in support of my dispute.
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 USC 1681. Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Act Name : Affirm, XXXX Act Name : XXXX, XXXX XXXX Name : XXXX, XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

I Applied For A Loan With One Main Financial Through XXXX XXXX. I Was Dealing With XXXX In The XXXX XXXX , She Said I Was Approved For A Loan Of {$8000.00}. I Submitted All Verification Documents, Bank Information, Lease Agreement, Drivers License. After Speaking With XXXX Briefly On XX/XX/2024 Around XXXX She Was Walking Me Through Some Identity Verification Through The One Main Financial Website, She Stated That She Got An Alert And Had To Call Me Back. 

After A Few Minutes I Got A Call Back From A XXXX Around XXXX In The XXXX XXXX One Main Financial XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX Stating That They Were Not Moving Forward With The Loan Due To " Suspicious Activity. '' XXXX Then Became Argumentative And Rude When I Challenged Her On The " Suspicious Activity '' Claim. 

So I Submitted Everything The Company Was Asking For And They Denied My Loan, This Is Discrimination. There Is Nothing Suspicious Going On, I Submitted Every Piece Of Documentation The Company Asked For And Something Needs To Be Done About This Because This Is Not Right.
Product: Mortgage

I have had a mortgage with XXXX XXXX XXXX  and due to illness & loss of employment income, I have gotten behind in mortgage payments and have applied for a Loan Modification. I submitted the package via fax on XX/XX/XXXX.  After some back & forth with phone calls, Capital One said they needed updated bank statements. These were then sent via fax within a couple days of the request on XX/XX/XXXX. I keep getting " Point of Contact '' calls & I remind them that I have submitted a full Loan Mod package and the documents they have requested. They then check their computer and agree that the docs were received and they would again send a message to the underwriter. The left hand does n't seem to know what the right hand is doing. <P/>I keep reminding them that there is still an active sale date listed by their Trustee and they keep saying, " oh, we know and we 're taking care of it ''. But when I check it still shows as active on XX/XX/XXXX which is definitely Dual Tracking. How can we be negotiating " in good faith '' if they still have an open sale date? <P/>I appreciate your attention to this matter. Sincerely, XXXX XXXX
Product: Mortgage

I have 2 Home Equity Loans with PNC. The payments are due on the XXXX of each month : {$660.00} on the primary and {$39.00} on the second. 

On XX/XX/18, I realized the auto-payments through PNC 's online payment transfer system did not occur on XX/XX/18 or XX/XX/18 as I had expected. I did not get a call and, since I use a separate checking account for loan payments only, I did not notice I had missed 2 payments. Once I did, I called customer service, went to the bank, etc., etc. I was told they would investigate the problem. 

I made 4 separate payments on XX/XX/18 ; two of XXXX and two of XXXX. I then made both payments on XX/XX/18, bringing my loans up-to-date. Eventually, I was informed that the investigation found that there was nothing wrong on the bank 's end and it was determined that I must have canceled the auto-transfers in XX/XX/2018. I was told it would not be reported to credit bureau. Since I didn't have any proof to argue that I did not cancel my auto-transfer, I moved on and continued to monitor my accounts online. 

Once I was up-to-date after the payments on XX/XX/18, I set up the auto-transfer online again except I changed the amount and frequency in hopes to get ahead on my loan. I set up bi-weekly payments of approximately half the amounts due XXXX {$330.00} and {$20.00} ). I ensured the payments would be paid so that the total amount due was paid before the XXXX. 

Therefore, on XX/XX/18, payments for XXXX and XXXX were paid to the loans. Then, on XX/XX/18, two more payments of XXXX and XXXX were paid to the loan ; total paid was XXXX and XXXX - made before the actual due date of XX/XX/18. Then on XX/XX/18, I got a call from PNC 's debt collection, informing me that I was behind on my payments by half. I went through each payment with the representative. She told me she could see that payments had been made and the accounts should not be showing as behind. She told me she would " put in a ticket '' to have it resolved and I should just keep making my payments as I had them set up. 

Also on XX/XX/18, payments of XXXX and XXXX were automatically transferred from my PNC checking account to the loans. And again, on XX/XX/18, two more payments of XXXX and XXXX were made - again totaling XXXX and XXXX, paid to the accounts before the due date of XX/XX/18. Then, on XX/XX/18, I got ANOTHER call from PNC 's debt collection department, telling me my accounts were both past-due. I attempted to go through each payment with the representative but this time she told me there were no payments made in XX/XX/2018. 

I have no idea what the problem is but I need it to be resolved, I'm sick and tired of having to deal with this every month!
Product: Credit reporting or other personal consumer reports

The following Account for XXXX is reporting on my credit report as a credit card for amount of {$100.00} that was closed. This has been on my report for 11 years 6 months this should be off my report after 7 years. Also I never open this account as well this is not my account. There is no activity, payments, transaction anything that was done with this account at all. Please remove there some many inaccuracies wrong with this account.
Product: Credit card

I booked a hotel  through American Express Travels for the  amount of {$1100.00}. When I looked at the charge through my card it was well over {$1100.00} and charged in the amount of {$6600.00}. Upon further investigation, I found out that these charges were for services I did not obtain or acquire. Also I was not at the hotel at the time of check out, so I did not know what got charged. Also found out someone used a fraudulent signature to authorize these charges.     These charges should and would require receipts and or signatures, this was authorized without my consent or knowledge. I informed the front desk of not authorizing any extra services, room services, amenities, or charges to the room ...   These charges are fraudulent ... Check-out signature was fraudulent and there 's no proof of charges to the room ...     I would gladly pay for the room but not the over charges that occurred without my consent and services/products I did not receive ...
Product: Credit card or prepaid card

In XXXX, XXXX, I received an offer from Discover about " {$45.00} back when you join XXXXXXXX XXXX XXXX ''. In the offer, it says " Get a {$45.00} statement credit when you activate this offer and sign up for a new {$45.00} XXXX XXXX XXXX membership online or in club with your Discover Card by XX/XX/XXXX. '' I did exactly what the offer asked for. However, I still haven't get the statement credit back after 6 months. Then I contacted discover card on XX/XX/XXXX, I was told that I wasn't qualified for the offer because I was an existing XXXX XXXX member and my XX/XX/XXXX transaction was for a renewal of my XXXX membership. However, the CSR stated that without any evidence and lied to Consumer Financial Protection Bureau ( CFPB ). I have contact XXXXXXXX XXXX XXXX  and confirmed that my membership purchase in XXXX XXXX was for a new membership.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XX/XX/XXXX Dear Sir/Madam, I am writing to formally dispute the inaccurate and incomplete information listed on my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request that you thoroughly investigate and remove any erroneous entries. 

Upon reviewing my credit report, I noticed that certain items are either inaccurate or incomplete. Specifically, [ mention the items in question, including account numbers, dates, or other relevant details ]. These entries do not accurately reflect my credit history due to [ mention why these items are inaccurate, incomplete, or how they are linked to a data breach ]. 

Additionally, I was affected by the [ mention the name of the breach ] data breach, which exposed my personal information to unauthorized parties. The breach involved sensitive data, including [ list the types of exposed data ]. I request that any records linked to this breach be thoroughly reviewed, corrected, or removed from my report as the entries may have been compromised. 

Relevant Case Law : Spokeo, Inc. v. Robins ( 2016 ) : The U.S. Supreme Court held that consumers have the right to accurate and complete information in their credit reports, and if the information is inaccurate or incomplete, the credit reporting agency must correct or remove it. 

Davis v. Credit Bureau of the South ( 1986 ) : The court ruled that under the FCRA, credit reporting agencies are obligated to ensure the accuracy and completeness of the data they report, and that failure to do so could lead to the removal of inaccurate entries. 

FCRA Section 1681e ( b ) : This section mandates that credit reporting agencies maintain reasonable procedures to ensure the accuracy and completeness of the information they report. Any items that can not be verified or are proven to be inaccurate must be removed. 

I request that you provide me with written confirmation once this dispute has been resolved. Please inform me of any actions taken and provide an updated copy of my credit report reflecting the changes. 

Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with the FCRA and remove the inaccuracies accordingly. 

Sincerely, XXXX XXXX
Product: Debt collection

The XXXX communication equipment was returned back in XXXX. I moved from XXXX XXXX, XXXX, Tx to XXXX XXXX XXXX. I have over the years sent credit letter challenging to no avail. This account /collection has re-aged this account for years costing me multiple denials including a refi. According to FCRA Section 623 ( 5 ) ( a ) they are in violation of re-aging this debt. it the original account was from XXXX then by XXXX a charge-off/collection process in say XXXX why in XXXX are they still reporting and attempting to collect a debt I do not own. Unfortunately from moves the box with important document is lost however this debt is still a re-aged debt that I want deleted from all reporting agencies including XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Elan Financial fraudulently, willfully and repeatedly reporting my credit card ( ending XXXX ) balance much before the closing date ( See attached Exhibit 1 & Exhibit 2 ) in violation of FCRA, Electronic Fund Transfer & Electronic Wire Transfer. 

This has caused XXXX score to drop XXXX points. ( Exhibit 1 ) Elan and XXXX have given plenty of opportunity to do things under federal laws. Elan and XXXX refused. This would be the second lawsuit against XXXX since XX/XX/2021. 

Thus the current lawsuit against Elan shall include XXXX XXXX, General Manager, XXXX XXXX Senior Vice President, XXXX XXXX and XXXX XXXX of Elan Credit Card in personally capacity.

Because of the lawsuit, Elan must NOT contact me personally. 

cc. Law offices of XXXX XXXX, XXXX XXXX, CA
Product: Debt collection

Requested proof 3 x 's to verify this debt belongs to me with no reply
Product: Credit reporting, credit repair services, or other personal consumer reports

I REPEAT THAT THIS IS NOT A DUPLICATE COMPLAINT. On XX/XX/2022, I the consumer notified Experian through the CFPB portal of an account ( XXXX XXXX ) that was furnished fraudulently on my consumer report without the consent of the consumer or the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury pursuant to XXXX XXXX XXXX ( a ) ( XXXX ) under permissible purposes of consumer reports. The account read ( XXXX XXXX  ). Experian failed to Investigate the first time and now during their re-investigation witch is a violation of the FCRA, pursuant to XXXX XXXX XXXX ( XXXX ) the term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. However, such information shall not include specific ( XXXX XXXX ) on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Experian failed to Investigate both times according to federal law ( FCRA ), Experian haven't conducted personal interviews with my neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. Experian and XXXX XXXX  are committing XXXX and XXXX theft. I the consumer never got an update nor anything in writing from Experian stating HOW this INVESTIGATION WAS HANDLED ACCORDING TO FEDERAL LAW. The company ( XXXX XXXX  ) that Experian furnished to my consumer report fraudulently. I demand the account be deleted Immediately or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I XXXX be entitled to under title ( 15 USC 1681n and title 15 USC 1681o ) regarding the continued willful and negligent noncompliance. EXPERIAN WILL BE LIEABLE TO ME {$1000.00} EACH ACCURANCE. Respectfully, XXXX XXXX XXXX