23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

J.P. Morgan Chase Bank 's XXXX XXXX wrote on XXXX XXXX, XXXX that Chase refused to provide a {$290.00} credit of the subject {$1800.00} charge that was posted on my Chase Credit Card on XXXX XXXX, XXXX with the reference XXXX SIENNAENTER. My attorney left a voice-mail message for XXXX XXXX ( XXXX Ext. XXXX ) on XXXX XXXX, XXXX and then spoke with her on XXXX XXXX, XXXX. XXXX XXXX advised that she would consult with a Manager and that my attorney would hear back in XXXX hours. After not hearing from XXXX XXXX, my attorney left a second voice-mail message on XXXX XXXX, XXXX requesting that she at least provide my attorney with a facsimile number so that he could provide written notification of the matter. As my attorney has still heard nothing from XXXX XXXX nor anyone else during this entire time, I am submitting this Complaint to the BCFP : XXXX XXXX had indicated in her XXXX XXXX, XXXX denial that the merchant was under no obligation to issue the credit because a " significant amount of time has passed since the date of the charge. '' But XXXX XXXX did not explain the basis for this reasoning. The merchant promised a partial credit THE DAY AFTER the transaction occurred and had been continually indicating that the credit would be issued upon my regular bi-weekly demands. The merchant had merely acted as a broker in purchasing services from a third party and, significantly, was not billed for, nor did the merchant pay, the amount that the third party would have charged it for the cancelled portion of the service, i.e., {$290.00}. It was only after it became evident that the merchant would not issue the credit -- despite his repeated fraudulent assurances over many months that he was issuing the credit -- that I found it necessary to inform Chase that the merchant failed to issue it. This matter of course does NOT concern a dispute regarding the quality of a good or service, but simply the merchant 's ongoing failure to submit a refund through Chase 's Processing System while falsely informing me for many months that the credit was in fact being issued. If the merchant claims to have never agreed to the credit and/or that it was billed for the cancelled portion by the third party, I will provide the detailed documentation that evidences the merchant 's false statements to Chase and the fact that the merchant never was billed therefor.
Product: Credit reporting or other personal consumer reports

This XXXX XXXXXXXX XXXX account was opened under another date of birth different from mine, the information provided by XXXX XXXXXXXX is completely different, they sent me a report where they told me that they could not confirm my identity and they are charging me from a card that was closed. My credit report is affecting me since a closed card appears in my credit but the company can not verify my information. 


I have tried to communicate with them but since the information they have does not match my information, they can not give me any help in this regard so I request that all the information can be verified and in this way it be removed from my credit report
Product: Credit card or prepaid card

For second month in a row - I have paid my balance in full and Wells Fargo Propel will not credit payment to my available credit.

The company says that I authorized payment from a business account ( where I am an authorized signer and owner of business ) and that they have elected to put a 30 day hold on my payment. Before making payment via ACH - I explicitly verified I am certifying I am authorized to make payments from this account in their app.

Last month I also paid balance in full - and they put an 8 business day hold on crediting to my available credit. Now, I have a 30 day hold on my full balance payment made exactly the same way.

I asked them to simply return the payment to my bank account if they didnt like where it came from - but they have refused. If they did so, I would simply receive the money back and pay from a non-business account. They have refused to resolve this so I have no option but to open an complaint with the authorities on Wells Fargo Propel.

I dont wish to open a checking account at Wells Fargo at this time. I am already a mortgage loan holder with Wells Fargo for 12 years - so my credit relationship with the bank is not a new one.
Product: Money transfer, virtual currency, or money service

All emails from this company contain tracking pixels. Also known as web beacons, these secretive codes are embedded in all service emails and are designed to collect IP address, device and browser details, time, emails forwarded to, their private info, etc. Victims are all customers, and unlike cookies, there is no request for customers ' consent. Reference to existing privacy disclosure is considered ineffective as per all privacy laws. After years of reports to the customer service, domain registrant, admin, tech and abuse departments, no one bothered to even respond with consistent reasons of such mass surveillance and failure to provide any optout option. After complaints via emails, only things I heard are standard PR statements and ultimatum about unwillingness to remove secretive trackers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 a account without my written instructions. 

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two collection accounts just showed up on my credit report within the last 2 months I submitted and dispute and they did not get back to me
Product: Debt collection

I've tried settling the account with the amount I know I owe which was XXXX months rent. I paid {$1400.00} a month and collections is charging me twice the amount. I reached out XX/XX/2023 to do a pay to delete and receive everything in writing. The response I received was, the only settlement they can offer is for {$2900.00} and they do not offer anything in writing. My offer was what I owed which is {$1400.00} and {$100.00} for late fees but collections ( Hunter ) were not budging with me, if anything I was told to hire a lawyer and have them reach out to them. I am responsible for {$1400.00} because I moved out XXXX month prior to the third year living at the property but I had not signed a lease that binded me to stay at the rental property. The lease was to be signed annually for a years time. 

Please assist with changing the amount owed or deleting altogether because the amount listed on credit reports by the collection agency is requesting is not the amount owed. Also, when I tried to settle, the collection agency do not provide any documentation to record the agreement only a receipt once payment has been made XXXX hours after payment has been collected. 

If I make a payment how do I protect myself without documentation. The debt is holding me back from obtaining another rental for my family and I. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted both Experian and XXXX and I have asked both companies to remove the fraud alert from my credit file. I have sent letters to XXXX and Experian along with the written request to remove the fraud alerts totally from my credit report, and in those letters I have included my driver 's license, a bill and a copy of my social security card, with the request and neither of them have removed the fraud alert from my credit report and it has been more than 30 days and neither of them have even responded to my request, and I have sent certified correspondence to both XXXX and Experian so that I could prove they received and signed for the package including my request and they have not contacted me back after 30 days in anyway. 

The problem that I am having is that I am not being allowed to open bank accounts, credit cards that I do want because the companies state to me they will not establish these accounts until the fraud alert is removed in its entirety so this is preventing me from being able to conduct any personal financial business.
Product: Credit reporting 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 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 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.

Chapters
Product: Debt collection

I have contacted Source Receivable Management informing them that I know nothing about this alleged account yet they lie and insist that they have sent notices yet I have never received them. I have never dealt with this company or any company that they represent. Even after I informed them that I knew nothing about this account they have failed to supply any proof bearing my signature of this alleged debt. So Source Management you have failed to supply the proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. A billing statement is not proof. 
In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument BEARING my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine AND REMOVE FROM MY CREDIT FILE AND SEND BACK TO THE CREDITOR. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for you collection of this alleged debt?

4. Please send evidence your authorization to do business or operate in the state of Texas? 


5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument BEARING MY SIGNAATURE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all moneta

ry damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the F CRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigiou
s consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX {$9100.00} XX/XX/2016
Product: Checking or savings account

XXXX  XX/XX/2020 I called my bank asking them to make arrangements to cash a check for {$20000.00}. They told me they could only do a check for {$5000.00} at their branch, and I could get additional funds at a different branch. I talked with that branch and made arrangements to get {$5000.00} through their drive through. I then went to my local branch, and they refused to cash my check for {$5000.00}. They said they did not have that much cash in bills {$50.00}. or under ( which is specifically what I requested ). I have more than {$32000.00} in the account and the account has had that amount for a very long time. That is not a recent deposit. The branch manager at my local branch had gotten on the phone and tried to talk me out of taking my money out. This complaint is that my local branch 1 ) told me I could take out {$5000.00} from their branch and additional funds from the main branch, and then 2 ) refused to cash my check when I drove into town to cash the check. I feel I have been discriminated against because of my age ( I am a senior citizen ) and because the branch manager did not want me to take my money out. If they really don't have {$5000.00} in cash, they should not be a bank and I feel I should alert the world via XXXX   and XXXX  that they have run out of money.
Product: Mortgage

My mortgage company never disclosed to me how much equity was in home. I refinanced for a lower interest rate to XXXX in XX/XX/XXXX. I was never told the amount that I could receive for refinancing no paper. So now I went to refinance for a cash out in XX/XX/XXXX to consolidate all my debt into XXXX and was told that have gaps in my employment. Not to mention I called to verify if all of my documents was received and then I got the bad news. 
I am currently with the same mortgage company presently and they sent me a letter stating that I withdrew my application which was false. My current mortgage balance is XXXX and my current market value is XXXX plus. My mortgage company valued my house at XXXX in XX/XX/XXXX. Now it is valued at XXXX my loan application with them in XX/XX/XXXX. So I never was disclosed that amount I could have got when I refinance in XX/XX/XXXX. 
I purchased my house in XX/XX/XXXX and refinance for a lower interest rate with my current company. I feel that they have done some practices that was not fair disclosing the amount I could have received at refinancing and if possible what was the amount I could have received then and I could have paid down college loans, car payment or put the money back in my home. As a consumer I feel that I was taken advantage of by this and given false information so deceiving. 
Please help where did the money go because I was n't told about the amount XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I filed complaint against Experian due inaccurate information. On XX/XX/XXXX we'll over the 30 days the Fair Credit Reporting Act gives for them to investigate, and if not verified must be removed. Which it wasn't removed. On XX/XX/year> I filled a XXXX complaint because Experian was now saying it was verified which it was well over the 30 days and should of been removed. The CFPB did not hold them responsible and closed the complaint.
Product: Bank account or service

I opened a Citigold checking account with Citibank on XXXX XXXX, XXXX. I entered the promo code " XXXX '', which was for a XXXX AAdvantage Miles bonus. I completed all the requirements of the offer : one bill pay in two consecutive months and spend at least {$1000.00} in debit card purchases with their respective debit card. I made the qualifying bill pays in XXXX and XXXX and completed the {$1000.00} spend in XXXX. I contacted Citi via online chat session on XXXX XXXX after I finished all the requirements needed and chatted with XXXX who checked my account and told me I correctly completed the requirements and should receive the bonus miles no later than XXXX XXXX, XXXX. I contacted Citi again in XXXX to see why I had n't received the promotion. They sent me an email a week later saying I was never targeted for this promotion and I wo n't be given the promotion. I 've looked through my files and emails, but have n't found the letter or email that had the original promo code on it. How can they take away the promotion after I 've met the qualifications? If I was never targeted for this bonus, why did they let me open the account, give me a promotional disclosure with the rules, tell me I would receive it over their online chat session, charge me a $ XXXX monthly fee for the account ( {$90.00} deducted total so far ), meet the rules and wait all this time before finally telling me, after I had to contact them numerous times, that they are n't giving it out?
Product: Credit reporting or other personal consumer reports

I have reached out to the following account below and talked to them about the issue with my account as reported by the bureaus. They have advised me that they will remove the late status on my account however, as I reviewed my recent report, the late status are still reported. I am not sure how the XXXXXXXXHARLEY DAVIDSON CR came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.
Product: Checking or savings account

On XX/XX/year> I had a student refund disbursement for {$3900.00} issues to me. I had it direct deposit to current bank however the account number was incorrect and the funds were deposited into another account. When current Bank was contacted about the funds they refused to return the money.
Product: Debt collection

In 2020 I did a voluntary surrender of my truck due to the covid pandemic and not being able to afford it. XXXX XXXX sold the truck and passed the remaining balance to a debt collector Radius Global Solutions. Ive had my bank send them checks every month for {$100.00} since we were made aware of the remaining balance that was owed. I have never missed a payment in the few years Ive had this collection. I noticed that this XXXX my payment wasnt collected, but XXXX had been. My husband had contacted Radius which his was then informed that XXXX took back the payments. He spoke with three different people within two companys and no one could tell him any information about our account, balance, anything. He asked for a letter that had their letterhead with an address, phone number, account number, balance and dated. The customer service person told him no that he could set up our payments with them. Which my husband said no I want a letter with all of the information I asked for. We want the extra proof from our bank that checks are sent and cashed. The customer service person refused. This was on XX/XX/XXXX. We have still yet to receive any kind of noticed of who actually has the debt on our truck.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items I have on my credit report, it has been well over 30 days and I haven't received any investigation results.
Product: Debt collection

I have been receiving multiple phone calls a day since XX/XX/XXXX of 2020 from different XXXX XXXX XXXX numbers. Upon looking up these numbers, they are all linked to Radius Global Solutions or XXXX XXXXXXXX XXXX TX. ( XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Every single time I have asked for them to identify their selves, explain the nature of and verify the debt they are trying to collect on, as well as to please send me written notice of the debt along with any verifying documentation. I have asked how the debt was calculated and how it will be reported to no avail. Every time they just keep repeating that they are on a recorded line and then hang up. I get up to 5 calls a day from different numbers and I ask the exact same questions every time. It is now XX/XX/XXXX and the 5 days since initial contact has passed for them to send me written notice. I am absolutely furious as I pay my bills, have good credit, and am a law abiding and tax paying citizen. I can not stop them from harassing me as they change the numbers frequently. This could be identity theft or an attempt to collect on something previously paid.