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

In XXXXXXXX XXXX, I contacted my private banking banker at my local branch of Chase in XXXX XXXX XXXX to explore the possibility of opening a convenience account, as authorized under New York Banking Law 678 ( copy attached ). I have sent many other communications to Chase, including reaching out to the chief legal officer/ general counsel, XXXX XXXX . ( Copy attached ). 

For weeks, my calls and emails were ignored by Chase. I finally reached out to the NY Department of Financial Services who contacted Chase. In response to the DFSs investigation, I finally received a reply from Chase. Chase 's reply ( copy attached ) completely misses the point of my complaint. NY Banking Law 678 provides for convenience bank accounts, and that is what I wrote about and what I am seeking. Chase reply suggests that it does not need to consider compliance with NY Banking Law because it offers another product a POA Account. A POA Account fails to comply with NY Banking Law 678 and does not address my needs or request. 

I request that your office investigate why ( 1 ) Chase refuses to comply with NY refuses to Banking Law 678 ( convenience accounts ) and ( 2 ) why Chase should be permitted to ignore and violate NY Banking Law 678. I do not want a joint bank account or a power-of-attorney account as they are not convenience accounts. 

The law clearly provides for convenience accounts. I request that your office direct Chase to immediately arrange for the opening of a convenience account. 

Thanks.
Product: Debt collection

I received a letter from a debt collector Source Receivables Management XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX and I never had an account with them and dont know who they are. They are trying to collect an amount of {$550.00} from me and I do not know who they are. I think this information is wrong and would like to dispute this from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX and Transunion still has information of collection that was to be removed as requested by XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$59.00}. This derogatory info was not removed by both XXXX and Transunion as shown in my XXXX credit report, as it still exists in both XXXX and Transunion report as of XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX yXXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a certified dispute letter to Equifax Credit Bureau, XXXX  and XXXX. The letters were confirmed received on the following dates to XXXX  on XX/XX/2021, XXXX  on XX/XX/2021 and Equifax on XX/XX/2021. I received an email as well as a letter that my dispute has been resolved in regards to bankruptcy on my report and has been verified as accurate via XXXX XXXX. I contacted the bankruptcy court via certified letter that they received on XX/XX/2021 and they stated via a response letter that they do not verify any information with XXXX parties. With that being the case there is no way that this could have been verified and I would like to have it removed.
Product: Credit reporting or other personal consumer reports

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. Whos studying XXXX XXXX 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 it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act. The list of accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

inquiries XXXX 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 an 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 XXXX years. 
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows the reasonable cause to believe that the information is inaccurate.

15 U.S.C 1666b creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently for an apartment and I got denied. I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit card

I have purchasd program online from XXXX for trading the stock market automaticlly, base on XXXX advertisment for {$2400.00} on XXXX XXXX XXXX, using wellsfargo credit card, the following day i have learned that I have to go through XXXX that will take about XXXX months and have to put the XXXX  study parameters in the raw program. 
After several days chatting with the company " XXXX XXXX '' And emailed the owner to cancel the transaction, I decided to dispute the charge with the credit card, case XXXX XXXXXXXX. All email converstion wit the merchant was emailed to the bank based on advvice from bank representative i have received temporary money back on XX/XX/year> on XX/XX/year> the bank charge my card again based on the merchnant respond The merchnant replied with translation of XXXX of the law why i'm not entited to refund wich was misleading the law. 
i have searched the law and interpreted it with XXXX proving that the nerchant translation was wrong. 
On XX/XX/year> the bank sent me a letter that came to my door XXXX days after to reply to nechant respond i have emailed and faxed on XX/XX/year> and faxed later on from the bank my respond XXXX pages to the bank, Today XX/XX/year> i have called the bank and they told me that the dispute was closed XX/XX/year> and the bank have not consider my interpreptaion of the law XXXX was right
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX ( Original Creditor : 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
Product: Credit card or prepaid card

i have a checking and savings account with CITI bank. they kept advertising what great credit cards they have. i already have a mastercard and a XXXX  card, both with limits over {$10000.00}. i was told as soon as i got my card i could call and ask them to raise my limit, if wanted. i did so, and was denied. they gave me a {$1000.00} limit. and then i found out that was my limit until i paid off whatever i owed on my account. i was understanding that my limit would be from closing date to closing date. not true, probably because i've never had such a low limit. when i called i got a supervisor, off shore, who could not care less when i told her i would not be using my card after i reached my limit. i asked why they gave me such a low limit, but no explanation was given. my credit score is XXXX, so i really don't understand. i am ready to close all my accounts with CITI because of this treatment. i really feel i was totally deceived into applying for this card, as i didn't really need it, but promises were made that are not being kept.
Product: Mortgage

In my previous complaint ( XXXX ) I complained about the mortage being put into forbearance without my knowledge. Wells Fargo responded and acknowledged that only one person is required to make the request. They also acknowledged that I wanted to be removed from the mortgage. In the resolution of my complaint, they stated " The agreement documents were sent to you ( co-borrower ) and only require the signature of ( co-borrower ) since the agreement terms will remove XXXX from the mortgage account when the documents are returned to us, and the terms of the agreement are applied to the account. The agreement will remove XXXX from the mortgage account as a result of the Quit Claim deed we received. '' I also spoke with XXXX XXXX from the XXXX XXXX Executive office. In speaking with her she stated that she spoke with FHA and that removing me from the mortgage was approved by them based upon the circumstances ( I have never paid this mortgage, I haven't lived in the home for 10 years and we both desired for the home to only belong to XXXX XXXX XXXX ). She also stated the process would take 45-60 days from the time they received the loan modification documents from ( the co-borrower ). 

On XX/XX/2022, I called Wells Fargo to determine the status as I had not yet been removed from the mortgage. At that time, I was told that XXXX XXXX was on long term leave. I spoke with XXXX at the Executive Office, who opened a case to review the status. He called me on XX/XX/2022 and advised me that I was given erroneous information and that XXXX XXXX would have to initiate a refinance or an assumption of the mortgage to remove me from liability. He also stated that he did not have any notes from XXXX XXXX regarding her conversation with FHA. I asked for an estimated return date for XXXX XXXX and was told that information could not be provided. 

I relied on the information. I am unable to move forward with a purchase of my own home with a VA Loan because the forbearance is too recent. Wells Fargo should be held liable for the information they provided to me and the co-borrower. No one offered to reach out to FHA to determine if what XXXX XXXX stated could be acted upon. At the very least they need to make whatever efforts are necessary to remove me from the mortgage as they, in writing, made that promise on which I relied.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Debt collection

I am not sure however, I believe that this company ( Convergent-XXXX ) is working in conjunction with another company ( XXXX XXXX XXXX ) to run a scam. This debt is not mine, no proof is given that this debt is mine and I have been receiving threatening and harassing phone calls at work and home. They refuse to identify the debt and what it concerns and are using tactics that are illegal. I am filing complaints with the Federal Trade Commission and the State Attorney General 's offices in California and Georgia
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, Pa XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] [ EXPERIAN CREDIT REPORT ] [ Dispute Department ] [ EXPERIAN CREDIT REPORT ] [ XXXX XXXX XXXX, XXXX, TX XXXX ] Subject : Dispute of [ Error with disputed ] Under FCRA Section 1681o - Civil Liability for Negligence and Non-Compliance Dear [ CFPB ], I hope this letter finds you well. I am writing to formally dispute [ describe the specific issue or the information that is being disputed, e.g., inaccurate credit reporting, failure to investigate a dispute, etc. ] under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o, which holds parties accountable for negligence and non-compliance in the handling of consumer information.

I believe that [ EXPERIAN ] has failed to fulfill its responsibilities under the FCRA by [ briefly describe the non-compliance or negligent actions you are disputing ]. As a result, I am requesting immediate action on your part to rectify this matter and resolve the dispute in accordance with applicable law.

In accordance with FCRA Section 1681o, I hereby notify you that : Negligence : [ The company has failed to removed disputed accounts off of my account. Accounts that were added without my knowledge according to the FCRA. ] Non-Compliance : [ I have taking many measure to dispute all of the above accounts through EXPERIAN. I have contacted them and they have failed to take these accounts off without investigating properly according to the FCRA. ] Request for Resolution : I request that [ EXPERIAN ] take prompt corrective action, including but not limited to [ specific actions you seek, such as correcting inaccurate information, conducting a proper investigation, etc. ].

Please note that under FCRA Section 1681o, I am entitled to seek civil damages for any harm caused by your negligence and failure to comply with the FCRA. Therefore, I expect a written response within [ insert a reasonable time frame, such as 30 days ] confirming your corrective actions or detailing the status of this dispute. 
If this matter is not resolved satisfactorily, I reserve the right to take further legal action, including pursuing claims for civil liability as allowed under Section 1681o of the FCRA.

I trust that this matter will be addressed with the urgency and seriousness it requires. 
Thank you for your prompt attention to this issue. Please contact me at [ phone number ] or via email at [ email address ] to confirm receipt of this dispute. 
Sincerely, [ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I opened a credit card with the XXXX  XXXX XXXX and since that, I set an auto payment with the total amount every month and had no single missing monthly payment with them or with other creditors in my whole life. 

My Statement balance on XX/XX/XXXX was {$7.00} and for some reason, the bank removed my auto payment so that amount was not paid as usual and I never know that. 

The following month ( XX/XX/XXXX ) the bank charged my account {$0.00} as interest for the {$7.00} that was not paid due to the removing the auto payment by the bank, and in XXXX they charged my account {$0.00} for the same reason without noticing me that my account has a problem that needs attention. When I realized that I paid the full amount immediately. 

The problem is that was reported to the three credit bureaus as a late payment for more than 30 days and that affected my credit score and has decreased by XXXX points for the late payment of just {$7.00} after dealing with that bank for 5 years with no even single problem or delinquency. 

I contacted the bank to explain that was a mistake by them to remove my auto payment and I would never make a delinquent and destroy my credit history for just {$7.00}, they refused to solve the problem by sending any notice to the credit bureaus removing that and showing that was their mistake and not mine. 

I disputed that with the credit bureaus but they said the information that was reported to them by the bank is accurate and correct and they are not able to do something until the bank is sending them a notice saying that was their mistake. 

The bank made that mistake and I pay for it, they destroyed my credit score and my credit history for just {$7.00} while my credit line with them is {$5600.00} with a good standing and clean history, That is odd and ridiculous! 

I am asking you to investigate that and let the XXXX XXXX XXXX send a notice to the three credit bureaus to remove the late payment from my credit history and fix my credit score that was affected by that. 

Thank you!
Product: Debt collection

About XXXX calls per day with a computer on the other end. I will make the payment when I have the income, they have been told I 'm not currently working and still I get around XXXX calls per day.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and would like all of these incorrect items removed from my report and all of my personal information corrected.
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 this account ( A ). It is not permissible to fail to validate this 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 XXXXXXXX XXXX Balance : {$780.00}
Product: Credit card or prepaid card

I have had {$2300.00} worth of fraudulent charges made on my credit card over XXXX charges across the period of XX/XX/2021 - XX/XX/2021. This was on the credit card number XXXX XXXX XXXX XXXX. 

I have attached a document with a table that outlines every fraudulent charge, and evidence as to why this was not my charge. 

I have been on an incredibly frustrating journey with Bank of America ( starting XX/XX/XXXX ). I have provided as much evidence as I can muster - calling vendors, documenting each charge with evidence showing I did not make the charge, filing a police report, and calling the Bank of America to confirm at each step that the bank has been receiving my evidence to support the claim ( bi-weekly now for 4 months ). 

The claim has been denied now 5 times with no information provided to me as to why. I have confirmed every charge was fraud, and provided line-by-line documentation with evidence ( for example, one charge was {$300.00} to a XXXX site never visited by me ; another was a {$700.00} XXXX charge that was not sent to my address and was not listed on my XXXX account ). 

I have filed a police report, faxed a 17-page document of evidence, and called weekly for to check status and ask if there is further clarification I can provide. I have called vendors myself to receive evidence that these charges were not me. And, have spent hours defending my case. 

Amongst all of this, the bank took away the credit from the charge in the first 2 weeks of the claim being open ( as they quickly, and wrongly, denied and closed the case ). They then asked that I pay the chargers otherwise would be charged overdraft fees and a receive a hit to my credit score. Ultimately, I was threatened to pay these charges ( that were not authorized by me ) or would have repercussions. I paid the charges, and now I am without the money, and the bank has theirs, so no one is helping me. 

I have missed hours of work, missed out on investment opportunities to spend my rightfully earned money, all because the bank has continued this investigation and wrongly denied it now for 4 months. 

I have had XXXX XXXX XXXX of dollars of interactions with this bank, have never missed a payment, yet am being treated as a fraud criminal. 

I have no other avenue within the bank to escalate and process this fraud to see the money that was stolen from me rightly returned.
Product: Debt collection

I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to request the following information and determine my next actions.