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

This morning I went to Chase on XXXX XXXX XXXX, XXXX, Texas, XXXX, to make a credit card payment. The amount of my payment was {$30.00}. I gave the teller the credit card payment slip and {$30.00} cash. The teller refused to process my credit card payment because I did not present an ID. I told her that I presented my ID when I opened the account ; it is on file with the bank. I also stated that I am not withdrawing money, I am only making a credit card payment. 

The notion that you have to present ID to make a {$30.00} credit card payment with cash is preposterous. Chase is making up rules and that are beyond the scope of any banking regulations. 

This Chase rule is an overreaction to money laundering fears. They even require an ID to process a payment of XXXX cent! By making a blanket rule like this with no proportion, Chase is placing an undue burden on their customers by forcing them to always show an ID even when they are not withdrawing any money! Please force Chase to amend this rule so an ID is not required when making small cash payments. Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

A portion of My student loans were were discharged. I have submitted documentation on several occasions to the credit reporting agency Experian and XXXX and they have failed to properly investigate and remove inaccurate reporting on my credit file.
Product: Credit card or prepaid card

I have a Bank of America credit card that was reported lost/ stolen sometime in XXXX. The original account was closed and replace with a new one at time which the representative assured me no further charges would go through the old card. To my surprise, on XX/XX/XXXX, a charge of {$540.00} was put through my old card by XXXX XXXX XXXX. I tried to contact the merchant multiple times but their system doesn't show any record of the purchase nor anyway to cancel the purchase. I contacted Bank of America the next day trying to close my account completely, but the representative, XXXX from Maine, reassured me multiple times that this " pending charge '' from XXXX would not go through. As a result, I believed her and did not close my account. A week later, on XXXX, a discovered that the charge has gone through and I have been lied to. So my question for Bank of America is : how did a purchase gone through a closed account? Why this wasn't flagged as potential fraud. I think this is a potential violation of Electronic Fund Transfer Act and Regulation E. CFPB took action against another bank in XXXX for similar reasons that closed accounts were reopened without explicit authorization from the client, allowing recurring charges to go through ( regardless whether they were fraudulent ). I ask the CFPB to investigate BofA 's practices and take similar action.
Product: Checking or savings account

I attempted to link my XXXX  account to my bank account and they blocked the access to the account preventing me from getting funding from XXXX  ap
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692e - False or misleading representations XXXX Account Number : XXXX Update to Open/Never late 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting XXXX Account XXXX : XXXX Delete from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS IDEAL CARS Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS RESIDENT VERIFY Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS RESIDENT VERIFY Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8.15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS DT CREDIT Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Checking or savings account

Please accept this correspondence as a complaint against online bank, Comenity XXXX XXXX  located in Missouri. The only phone number I have for them is XXXX. 
On XX/XX/2020, Comenity XXXX XXXX  was offering a one-year CD at a rate of 1.70 % the rate for a one-year CD. I contacted Comenity Direct Bank and spoke to XXXX and advised him I wanted to open four, one-year CD accounts. Three in the amount of {$25000.00} and one CD in the amount of {$10000.00} all at the advertised rate of 1.70 %. 
However, after numerous failed attempts to complete set-up for all four CD accounts on the XXXX, he put me on hold to get assistance in completing the additional accounts. When he returned to complete the transactions, he stated his supervisor advised him my application had to be approved before proceeding to complete the accounts. 
Every time I have contacted this bank, I have waited anywhere from 30-45 minutes to over an hour before I get to speak to anyone nor has any supervisors call me back the next day to follow up to discuss with me what the ops team or upper management decided on how to resolve this issue. 
Below is a log for every day I contacted the bank along with who I spoke to as well as the conversation I had with each one of the Banks employees. I also requested on two separate occasions to speak to the President or VP of the bank but was told they did not have that information or the online bank did not have a President or VP. I finally located and contacted someone at Comenity Capital Bank and the lady I spoke to said they were not associated with anyone at Comenity XXXX XXXX. I explained to her that at the end of their website it states that Comenity XXXX was a brand of Comenity Capital Bank. She apologized but she just sets up credit card accounts and knew nothing about Comenity XXXX XXXX  nor where they associated with Comenity XXXX XXXX. 
Any assistance you could provide would be greatly appreciated. 
Thank you,
Product: Credit reporting or other personal consumer reports

As reported in the attached FTC complaint the below accounts don't belong to me. 

Reporting inaccurate information across credit reporting companies 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  ( Reporting Via XXXX )
Product: Debt collection

Company reporting that what the consumer lay no claim to Consumer dispute the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received some information from Congress about my disclosures, that I noticed that we did not discuss, nor was it written in my documents at the time of the loan agreement. 


Your company is in clear violation of the law. Under 15 USC 6802- Obligations with respect to disclosures of the personal information. THE LAW CLEARLY STATES : ( b ) OPT OUT ( 1 ) In General- A financial institution may not disclose nonpublic information to a nonaffiliated third party unless- ( a ) Such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic or the other form permitted by the regulations prescribed under section 6804 of the title, that such information may be disclosed to such third party. 
( b ) the consumer is given the opportunity, before the time that such information is initially disclosed to such a third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 


Your company is in clear violation of the law Under 15 USC 6802, because they did not give me an option to opt of having my loan to report to the Credit Reporting Agencies. 


Furthermore, the Installment loan was an approval of a specific extension of line of credit used by my Social Security Card and Identification card. 
15 USC 1602 Definition of rules and construction States : ( I ) the term Credit Card means ANY CARD plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or Services on Credit. 

( Any Card- Has NO Discrepancies ) Your Company is in clear violation of : FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( b ) Any Authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.
Product: Credit card

Hello, on XX/XX/year> a purchase was made on my Chase credit card that I did not make. The fraudulent charge was made on the website " XXXX ''. I notified Chase of this Fraudulent charge when I went to pay my bill in XXXX and they temporarily took it off and mailed me another card. Last week, I went to pay my bill again and noticed that it was back on my bill. I contacted them again and this time spoke with their fraud department. They basically told me that they wouldn't take the fraudulent charge off because evidently someone not only hacked my credit card but also hacked my email address as well. Whoever stole my information set up an account on XXXX where they purchased tickets. They bought tickets to an event in New Jersey I believe and the location was set up to XXXX. I have never been to either of these places and I live in Tennessee. I have had credit cards for 20 years and I have XXXX late payments. I always pay for what I purchase but I did not make this purchase and I thought it was obvious but I guess not. Please help. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get the credit reporting agency to add a statement to my credit report. I am getting the run around they act like this is something they do not do. I was told by this agency I could do that, but I am getting the runaround. I would like them to add my statement to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this prestige financial to pull my credit report. I have never heard of this company yet my report shows inquiries on XX/XX/XXXX and again on XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2021 I received an email from Affirm, the bank that I have deposited $ XXXX in. They apparently use XXXX XXXX Bank for this. 
The email stated that my new Savings account is locked and will be closed. It requested a copy of bank statement that has both the routing number and account number on it or submit them separately. I did this. My credit union does not have both these numbers on it. They waited 10 days and sent another email asking for another statement from a different bank. What if I dont have another bank? I do, but I did not feel comfortable giving this shady company info on another bank that also has $ XXXX in it. I sent them the statement anyway, then contacted that bank ( XXXX ) to prevent any withdrawals being made. I was told by XXXX that they have a $ XXXX limit on XXXX deposits. My Affirm account has {$250000.00} in it now, with interest. In 10 days I can expect another email from Affirms customer service department in XXXX XXXX explaining why they still cant close the account. 
MANY phone calls to the XXXX call center and XXXX XXXX bank have shown that they refuse to connect me with anyone with the authority to resolve this. I have spoken with XXXX XXXX at XXXX, and emailed XXXX, on XXXX XXXX and XXXX at XXXX - XXXX with no reply or action taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below are fraudulent accounts and inquiries reported to my Transunion credit report. Accounts : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  balance {$5000.00}. Inquiries XXXX XXXX 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

The XXXX XXXX XXXX has added TWO older collection accounts to my credit profile as a " new '' collection from XXXX, it was recently sold to them this year, not opened this year from the first date of delinquency. This has severely damaged my credit score. The original creditor has the date from XXXX or earlier and not the open date that XXXX XXXX XXXX has reported to the credit reporting agencies. I believe this account has been re-aged or has been reported the wrong open date from what the original creditor provided. I am not familiar with this debt, and to see how this debt is damaging my credit score and future, is deeply concerning. Simply put, This is reaged debt and needs to be immediately removed. 

The Same actions have been taken by PARAMOUNT RECOVERY SYSTEMS in reaging debt they purchased in XXXX that belongs to XXXX or earlier I have previously complained to the CRA 's but they are parroting the reporters language and not performing a maximum possible accuracy.
Product: Mortgage

Ocwen changed the status of my loan without my knowledge or permission. They started charging me an escrow account and reporting my account late even though I never paid late. Their customer service department can not answer any questions when I call. I ca n't have this impacting my credit score as I am trying to purchase a new home. This company gives no written communication about anything and can not offer help when called.
Product: Debt collection

I sent the company a proof of validation claim and asked them to validate the debt ask for the original contract with my wet signature act could they collect the debt in Ohio, asked for the chain of the debt and the original company that the debt came from and for payment history. Under the fair deck collection practice act specially 15 USC Section 1692G they are required to answer these questions and verified validate the debt. They refused to respond so the debt should be terminated and all contact shall cease.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be removed in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not block these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible 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
Product: Debt collection

XX/XX/2020 received a " balance verification '' notice from TekCollect regarding an old internet provider, XXXX XXXX, suggesting I owe a balance of {$110.00}. My account with the internet provider actually has a credit due of $ XXXX. Attempts to contact TekCollect were unsucessful, no answer, XXXX. Long wait/hold time to speak with XXXX XXXX.
Product: Debt collection

I co-signed a one year apartment lease for my son for an apartment in XXXX XXXX, OK. The lease was from XXXX XXXX to XXXX XXXX. He renewed and signed a new lease that was not co-signed by me. He changed his mind about the renewal but was told it was too late. This resulted in him still moving out at the end of his XXXX lease which caused him to break the new lease. He is being charged {$860.00} for breaking the lease, clean up, etc. 

The account was turned over to collections and also named me as a responsible party. I spoke to the collection agency informing them that I did not sign a new lease and I was not responsible. They have continued to pursue collection activity and most recently reported this on my credit reports. I have contacted XXXX XXXX XXXX law firm who reviewed the documentation and sent the collection agency a letter on my behalf. The collection agency continues to insist that I owe the debt, which I do not and they have not produced a copy of a renewal lease signed by me.
Product: Checking or savings account

We opened a basic package saving account in citi and were told a minimum XXXX balance should avoid the monthly charge. After two months we found every month we were charged XXXX, then bank said you opened an golf XXXX minimum balance package. If our experience is true, the error is intentional and systematic like XXXX XXXX, try those clients who would not notice their day to day fraudulent behavior.
Product: Mortgage

Hello, I been dealing with Wells Fargo Home Mortgage since XX/XX/XXXX. I had a hardship around XX/XX/XXXX-XX/XX/XXXX with my company because of the slowing economy. Before that period I was never late because this is a rental property that pays for itself with positive income. During my hardship a 3rd party started collecting the rents to pay down another debt as well as pay the mortgage on time. They fell behind by a few weeks. I went to court so this company could no longer collect my rents. I spoke with Well Fargo about making a few extra payments to caught up with my mortgage payment, or a modification. I ask about a payment plan, forbearance, or reinstatement. I sent them paperwork from the courts, but they would not work with me. I had XXXX % of the balance, but they wanted XXXX %. I asked could I triple up on my payment, they said no. A representative said that Wells Fargo will not work with me because I have equity in the house and they want the house. I was denied 3 times without a clear explanation. I call them, wrote them, and was refused to speak with a supervisor. I was delayed because I had to send the same paperwork to them over & over. I was forced to file bankruptcy to save my house. They can foreclose on my house at anytime. I just want to be able to sleep at night knowing I will be able to continue paying toward the balance without the threat of losing my house. I can have this house paid off in 6 years if Wells Fargo just communicate with me. They are determined to take my house that I purchased in XX/XX/XXXX. What can I do to make this situation favorable to me and a lender. My escrow account is mixed up because I been paying taxes & insurance and they have been paying also. Need advised ASAP.
Product: Money transfer, virtual currency, or money service

I made a transfer of {$1200.00} from my PayPal account to my checking account on XX/XX/18. On XX/XX/18 I was notified that the transfer never went through because my bank account ( that I use every day ) was closed. Since there is no reasoning with idiots in XXXX, I reset two bank accounts with PayPal and made the transfer again on XX/XX/XXXX. Again the transfer never went through. Their answer was, wait 24 hours. After 24 hours, when the transfer did not go through again, their answer was, wait 24 more hours. On the third day when the transfer did not go through, I demanded to speak with a supervisor, who in broken English told me to " wait 24 hours ''. After that, I scoured the internet for telephone numbers of PayPal offices in the USA and found a list. Most numbers were  disconnected but some were still executives of PayPal, who never returned any of my messages. Since then, I have tried & tried & tried to contact someone with Paypal who has a brain, but unfortunatly, there is no one there. On XX/XX/XXXX and XX/XX/XXXX I received a few emails telling me to wait 24 hours and another saying my bank account is closed. At this point I have cancelled further listings with XXXX, for fear that additional monies may go into my PayPal account. I simply don't know where to go from here!
Product: Credit card or prepaid card

This past summer ( 2022 ) I received a message from XXXX XXXX XXXX stating that they were going to cancel my card and another card would be issued in it's place. 
I didn't want another credit card, so I paid off my balance of the card that was being shut off. However, I did receive a card with a different account number from Comenity Bank. 
I did not want it so I destroyed it. 
I eventually received a statement from XXXX billing me for an automatic payment that was on my BOA card that was shut down. 
I had no intention of using that new card from the start. 
I strongly feel that I never approved any transactions for that account. 

Important note : Admittedly, I am an older senior and my memory is not as good as it was - however, I still strongly feel that I never approved any transactions. 
I have contacted them a while back and I thought that the issue was resolved. 
However, I just received another bill with a previous balance of {$110.00} listed and a {$25.00} late fee. Every time I try to contact them by phone, they want my CC number which I no longer have ( but I can see it ends in XXXX from my statement ) or they want my SS number which I refuse to give. It's an automated system, so I can't get through to a live representative. I do not want this to negatively affect my XXXX XXXX.