23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year>, I applied for a credit card with Chase Bank because I wanted to do a balance transfer from another card. During the application process, they ask if there are any balances you would like to transfer, I indicated an amount of {$3500.00} or {$3600.00}. I received information that I was approved and a card would be sent to me in the mail. I never received any notification that I had also been approved for a balance transfer. 

A couple of weeks later, I received the card in the mail and was expecting to receive checks that would allow me to do a balance transfer. There were no checks, but there were a customer service number to call to initiate a balance transfer. 

On XX/XX/year>, I called to initiate a balance transfer. The customer service rep. told me I could only do a balance transfer of a little over {$1800.00} because my credit limit was, I think, around {$2500.00}. ( I'm pretty sure it was less than {$3000.00}. ) While in the process of doing the transfer and speaking to the customer service representative, she suddenly stated she was unable to do the transfer and that someone would call me in 24 hours. She did not give a reason for not being able to do the balance transfer. I never received a call. 

After getting off the phone with the customer service rep., also on XX/XX/XXXX, I logged into my Chase account and tried to do a balance transfer that way. At the time, my Chase account stated my account balance was {$0.00}, and my balance transfer limited was a little over {$1800.00} as the customer service rep. had stated. When I tried to complete the transaction, I got a message stating to the effect that the balance transfer could be not be completed at the time. 

Since I had been unable to do the balance transfer through Chase, on XX/XX/year> I then initiated a balance transfer with one of my existing credit cards which processed successfully. 

On XX/XX/year>, I signed onto my Chase account with the intent to close it out. There was a balance of over {$3600.00} and a notation indicating a balance transfer had been done. I called Chase Bank and got varying responses. They said the balance transfer was applied for on XX/XX/XXXX but not processed until XX/XX/XXXX. However, if that was the case, when I spoke to the customer service XXXX on XX/XX/XXXX, why didn't she tell me a balance transfer had been processed, and when I logged into my account, why was it at {$0.00}? I never received any notification from Chase at any time that they were processing a balance transfer, and in fact, was told by the customer service rep. and the web site that they were not. 

In the end, Chase did a balance transfer
Product: Credit reporting or other personal consumer reports

I'm filing this complaint to report identity theft and request help resolving the issue. My personal and financial information was compromised, resulting in unauthorized transactions and credit inquiries. 

I've already reported the theft to authorities and disputed the fraudulent transactions with my financial institutions. However, I'm still experiencing issues with my credit reports and scores. I'm seeking the CFPB 's assistance to remove fraudulent accounts and transactions from my credit reports immediately.
Product: Credit card or prepaid card

XXXX XXXX  reported me late on XX/XX/2018 when I should not have been. I had changed my address on file and they should never had reported me late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX. I filed for a late payment verification over the phone and thru certified mail. Both times came back as verified accurate. When I made on time payments and never missed but XXXX XXXX XXXX continues to report inaccurately, I 've asked them to show me proof and validate there late payment claim, when I paid on time and there 's no records. When I have asked to see - they have never shown me. I 'm so upset that I know no other remedy but to file a complaint about this situation, apparently they had a system glitch around that time or human error was made on there part and they will not remove the late payment
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on Credit File Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file. These late payments are erroneous and misrepresent my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for account XXXX are inaccurate. I have been enrolled in autopay and have consistently made payments on time. 
Violations of Consumer Rights : Fair Credit Reporting Act ( FCRA ) : The reporting of false late payments violates 15 USC 1666 ( b ), 15 USC 1681i, and 15 USC 1681s-2, which mandate accurate reporting of credit information and ensure the maximum accuracy of consumer files.

Fair Debt Collection Practices Act ( FDCPA ) : Reporting these inaccuracies may constitute a violation of the FDCPA, which prohibits misrepresentation of consumer account information.

Truth in Lending Act ( TILA ) : These inaccuracies violate the TILA, which ensures the accurate disclosure of credit terms and conditions.

Civil Liability : Articles 616 and 617 ( 15 USC 1681n and 1681o ) outline damages for willful and negligent noncompliance with FCRA requirements. 
Account Details : Account Number : XXXX High Balance : {$15000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$14000.00} Account Status : Open Payment Status : Current Creditor Type : Miscellaneous Finance Payment Amount : {$320.00} Last Payment : XX/XX/XXXX Term Length : 80 Months Two-Year Payment History : XXXX late payment noted for XX/XX/XXXX ; XXXX late payment noted for XX/XX/XXXX. 
Discrepancies Identified : Inaccurate payment history : The reported XXXX and XXXX late payments are erroneous. 
Inconsistent " XXXX XXXX '' and " Date of Last Activity '' compared to prior records. 
Requested Resolution : I request that TransUnion conduct a thorough investigation, remove the inaccurate late payments, and update my account to reflect my accurate payment history of 100 % on-time payments. I expect to receive written documentation confirming the correction within 30 days. 
Thank you for your attention to this matter. Please let me know if you require additional information. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my growing frustration and concern regarding the continued presence of inaccurate personal information on my credit report. This is now the sixth time I am disputing the same inaccuracies, and despite my repeated requests, these errors have yet to be corrected. This information is incorrect and does not belong to me. I have disputed this several times, providing all the necessary documentation and identification to support my claims. Despite my efforts and your agencys obligation under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of consumer credit information, these errors persist on my credit file. 

The ongoing inclusion of inaccurate personal information on my credit report is not only misleading but has the potential to negatively impact my financial standing and creditworthiness. It is unacceptable that after five previous disputes, no resolution has been made. 

I am formally requesting once again that your agency immediately investigate and correct these inaccuracies. Please ensure that all incorrect personal information is permanently removed from my credit file and that my report is updated to reflect accurate, current details. 

In accordance with the FCRA, I am entitled to an accurate credit report, and I expect that this matter will be handled swiftly and effectively. Please confirm in writing once the corrections have been made, and provide me with an updated copy of my credit report reflecting these changes. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX had opened four credit cards since XXXX for XXXX XXXX XXXX and my company had financial problems since XX/XX/XXXX and then came in the tornado flooding my rental property. 
THEN cAME IN COVID -19 epidemic and we had a stay at home order by the city and asked to shut down our operations. 
I have a payment on XX/XX/XXXX and in XXXX they put it on my personal credit where as these were my business accounts- XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX
Product: Debt collection

I have tried to contact this company on multiple occasions and was not able to speak with someone that can give me an Acceptable answer of why I am being charged this amount. I have been sent an incorrect bill that I do not agree with.The amount of {$1500.00} is outlandish and is definitely NOT something I owe. I am being charged for things that are not correct and simply NOT TRUE. I have contacted this company on multiple Occasions and have gotten nowhere. Please help!!!!
Product: Credit card

Hi. I was putting it off for a long time, but finally decided to sumbit this claim. I've applied for the BankAmericard Secured Credit Card on XX/XX/2024, but was denied for the BankAmericard Platinum Plus Mastercard ( a business unsecured credit card ) and eventually have gotten a hard inquiry in vain since I haven't gotten my secured credit card that I should've gotten. I've contacted Bank of America several times as well as mailed three letters to all the three major credit bureaus asking them to remove this hard inquiry from my credit reports. Everything was in vain. Bank of America didn't care at all and didn't want to resolve this. All the three bureaus responded that I authorized Bank of America to access my credit report ( in general ) and they didn't care that I haven't authorized BoA to access my credit report regarding the BankAmericard Platinum Plus Mastercard because I didn't apply for that card, but BankAmericard Secured Credit Card. They suggested me to resolve this issue with the bank itself, but the bank didn't care, so eventually I gave up trying. 
I'm having the html file of the page from the Bank of America website with application ID 's and dates that states that I applied and got denied for a secured credit card as well as two denial letters that state a denial for that Platinum Plus Mastercard. The reference numbers from the html file and denial letters match. Yes, I applied twice since I couldn't believe they rejected my application for a secured credit card since I was ready to put my money there and I had no credit history at that point. 

So, it's clear that they just confused the cards while reviewing my application and it's resulted in a denial + a hard inquiry on my reports and they didn't want to resolve this as well as the bureaus didn't take any actions to at least clarify something. 


I'd like you to take measures regarding this incompetent service that left me with a hard inquiry and no secured credit card in return. 

I'm happy to provide any additional information or evidence I have once you reach back. 

Thank you and have a good one!
Product: Checking or savings account

The Chase ATM machine at XXXX XXXX XXXX. XXXX, CA XXXX ( AID # : XXXX, Term ID : XXXX ) is almost non functional and ate my money multiple times. 
What Chase does is that they ll issue a temporary credit and they ll deduct that amount few weeks later. 
Today I deposited {$1500.00} at XXXX XXXX when the ATM machine ate my money and gave me an error message and provided me with a phone number to call to solve this error. I will attach the scan of the ATM receipt. 

The amount is not added to my balance and I don't know what to do anymore. 

The last time that this happened a month ago, Chase at first gave me a temporary credit for {$600.00} and deducted it a couple of nights ago. 

They now owe me {$2100.00} that they stole from my via their faulty ATM. This is STEALING, THEFT. I am losing my mind how they could do this and get away with it. 

I am out of a job and my county is THE hotspot of COVID-19 in the country right now, Chase is stealing from me at worst possible time in mine and my family 's life. 

Please fix it and have these criminals return my money.
Product: Checking or savings account

Originally  Bank of America stated they closed my accounts due to a business decision a few months ago, i do n't check my accounts that often and did n't know the reason until recently. I see that it was the fact that all of these claims were filed on my account. These claims were not filed on my behalf, and i found out these were actually filed by my EX GF. Whom was portraying to be me.Therefore when i spoke to the risk customer service department they advised me to call claims and tell them this info . Imagine me fi nding this out not knowing this for months. The claims department cancelled and removed all these claims from my account when i told them this info, they said to call risk back. I did and risk said they ca n't change the decision even though the claims are n't there and that i need to speak to corporate.  <P/> I do not want the account to be opened again, i just would like to bank with bank of america again, as i did n't submit these claims in the first place my ex gf stole my identity and i was shocked when i found out too. Please help.
Product: Credit reporting or other personal consumer reports

I am wanting these inquiry to be deleted, Because I did not authorize these companies to run my credit thats fraudulent.
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX this Loan or Mortgage has been assumed by my ex-wife. I am no longer responsible for this loan and or mortgage. I have since requested that shellpoint mortgage service update and reflect on all credit bureau 's and remove this account from my credit reports. as of XX/XX/XXXX they have not removed this information from my credit reports. this is holding me up from purchasing a new property. My ex-wife has also stated they have not reported this information to reflect on her credit report to show her as the new owner. they have modified all of the new information for the Loan but not removed the old information I have requested several times. its been 2 months and they are still reporting to my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently filed disputes with all the credit reporting agencies and it hasa been well over 30 days with no response.
Product: Debt collection

Southwest Collections is attempting to collect a debt that is not valid, the contract was violated by the vendor for services that were not rendered in full outlined in the contract. I discussed this with my Attorney and credit card company and showed them proof of what exact services were and were not rendered. I was advised to dispute the amount of what was not completed with the vendor and with no luck ended up disputing a portion of the entire amount paid with my cc company and won. This is when Southwest Collections decided to get involved and since then, they have violated numerous provisions of both the Fair Debt Collection Practices Act and the Texas Debt Collection Act in which my attorney has already notified them of. On XX/XX/2019 XXXX XXXX sent myself and my fiance ( who has nothing to do with this debt ) an email threatening that XXXXXXXX XXXXXXXX not fulfilling their contract and myself being awarded back fees paid for a service not rendered " could be construed as theft of services '' and said the client can look at other avenues which can " be done in a civil or criminal proceeding ''. On XX/XX/2019 I was emailed by XXXX XXXX then threatening further pursit against my D-U-N-S Number : XXXX, he then proceeded to send me copies of the not-signed agreements with XXXX XXXX which also show Southwest recovery everything XXXX XXXX was supposed to provide as a marketing service, in which they only rendered 1/3rd of the services. This was also a business contract with no personal guarantee stated anywhere within the contract, and yet this is on my personal credit report. I am attaching copies of the contracts and email communications with southwest recovery and my attorney as documentation.
Product: Debt collection

this company has for giving this debt and sent me a 1099-c form for my tax documents and this account needs to be removed and deleted and updated this account is no longer bad debt as expland in the companys repley to me. down below thank you. 


FeedBack XXXX XX/XX/XXXX, XXXX to me, FeedBack Dear XXXX XXXX XXXX XXXX, on behalf of XXXX XXXX XXXX Member FDIC XXXX has received your complaint on XX/XX/XXXX, through the Consumer Financial Protection Bureau XXXX CFPB ). We take all complaints very seriously and would like to take this opportunity to address your concerns. 
We have reviewed our records and confirm that you applied and were approved for a Line of Credit account # XXXX on XX/XX/XXXX. We can confirm that there were multiple missed Minimum Scheduled Payments on your account, that subsequently resulted in your account defaulting. As no payment arrangement on the defaulted account was reached, the debt associated with account # XXXX was sold to an unaffiliated third-party debt collector, XXXX XXXX XXXX XXXX XX/XX/XXXX. Please note, any collection activity after XX/XX/XXXX, was not conducted by XXXX. 
there was a XXXX form issued to you sent to your address on file.This Form 1099-C is a tax form required by the IRS in certain situations where your debts have been forgiven or canceled. The IRS requires a 1099-C form for certain acts of debt forgiveness because it considers that forgiven debt as a form of income. Your debt was cancelled or forgiven, we are sorry for the inconvenience we have cause you also i im revoking all rights of them communicating with me through email/text/calls. cease and desist
Product: Credit card or prepaid card

XX/XX/XXXX. Had XXXX points in my Amex account. I called to see if the miles were there to reserve 2 air tix to XXXX ( bid class ). They told me yes go ahead and reserve. I did. Transferred XXXX to my wifes XXXX acctbthen when I went to transfer mine, it was denied and said it was being reviewed. Now mybreservation will be cancelled and my wifes points are not able to be returned. I have XXXX miles in the account but they have frozen those
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective steps towards preventing fraud and addressing fraudulent activities on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution service was not fair and deceptive, as they did not comply with error and resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I bought TWO XXXX  from the XXXX XXXX XXXX, MN XXXX XXXX. I was charged for TWO XXXX  and received the purchase receipt in the email right away. The transaction date, as shown in my XXXX  XXXX XXXX credit card bill and attached here, is XX/XX/XXXX. 
A few days later, I bought another TWO XXXX from the XXXX, MN XXXX XXXX. I was charged for F OUR XXXX. That is, TWO XXXX  for {$2000.00} and another TWO XXXX  for {$2000.00} I have NEVER received a receipt for this purchase. 

Later on, I was charged another {$2000.00} without my knowledge. 

On the XX/XX/2022 Apple Card record, attached also, there is a charge of {$2100.00} without my knowledge. 

Several unsuccessful attempts have been made to contact both Apple Card and XXXX XXXX for explanation. I had no other choice but to report this matter to the CFPB. 

After reporting to the CFPB, the XXXX  double charges of {$2000.00} and the illegal charges of {$2000.00} were returned to my checking account ( My bank has record of this too ) Even after the return/refund, my Apple card  account still shows balances, and someone from Apple card service emailed me the wrong purchase receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Account Deletion or Update on Credit Report ACCOUNTING Dear I am writing to address an urgent matter concerning my credit report. According to the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be 100 % accurate and truthful. 15 U.S. Code 1681e ( b ) : This section requires consumer reporting agencies to maintain reasonable procedures to ensure the accuracy and completeness of the information in consumer reports. It stipulates that these agencies must have procedures in place to verify the accuracy of the information they report. Under the Fair Credit Reporting Act ( FCRA ), the requirement for accuracy and completeness in credit reporting is outlined primarily in 15 U.S. Code 1681e ( b ). This section mandates that consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy '' in the information they include in consumer reports. It has come to my attention that my account with XXXX XXXX XXXX, which has been sold to XXXX XXXX XXXX XXXX, is not accurately represented on my credit report. Specifically, the account should be updated to reflect that it was sold for less, paid for less, than the full amount owed. I kindly request that you take the necessary steps to either : Delete the account from my credit report, as it is no longer under XXXX XXXX XXXX purview, or Update the account status to reflect that it was sold for less paid for less than the full amount, ensuring that all information reported is accurate. In addition, the Fair Credit Reporting Act states that during the investigation, you must indicate to the bureau that the account is under dispute and cease reporting this information to the Credit Reporting Agency until full validation has been completed. A copy of this request for validation has been sent to the FTC CFPB AND three national Credit Reporting Agencies to begin their 30-day ingestion. Please provide me with written confirmation once these changes have been made. If you need any additional information or documentation to process this request, do not hesitate to contact me at the phone number or email address provided above. Thank you for your prompt attention to this matter. I look forward to your response and the resolution of this issue. Sincerely,