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

On XX/XX/2024, a total of {$130000.00} was wired out of my bank accounts with Chase Bank in New York without my authorization. I never send wires for more than a few XXXX dollars. I was not notified or warned by Chase. Usually they send an email advising when a wire transfer is made. This did not happen. I was the victim of a scam. However, I did not disclose any information as the scammers were already inside my account. All I did was provide a verification code. Chase subsequently closed the online access to my account and I had to set up a new username and password. To my immense horror, Chase had no interest in pursuing a serious investigation. Apparently the other banks who received the funds were also not interested in following up. Chase has insurance, they could reimburse me but they won't. I have no recourse. Their only response were some messages uploaded to my bank account online. The indifference and callousness is glaring. Their flimsy security systems allowed this fraud to occur and now they have no liability? Whatever is in the fine print which, let 's face it, you have to sign if you want to open a bank account, should not PROTECT them from liability. They must refund stolen funds to innocent clients and must devise better protection. They failed to alert me. At the age of XXXX, I have lost a huge amount of money. Further, XXXX, with whom I have had an account for years, is not responding to my CLAIM. I HAVE SPENT HOURS TRYING TO GET THROUGH TO SOMEONE HOW CAN HELP ME TO NO AVAIL.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, TransUnion credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists of, charter communications/I.C systems, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 
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 XXXXXXXX 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 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.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of inaccurate information from my credit report. Upon reviewing my credit report, I have discovered several accounts that do not belong to me and appear to have been merged with another individual 's file. I have contacted the banks associated with these erroneous accounts, and they have acknowledged the error. They have agreed to remove these accounts from their records to avoid legal action. I have also submitted the required FTC report to the Federal Trade Commission and have enclosed a copy for your reference. 
It is imperative that you conduct a thorough investigation into these discrepancies and rectify them immediately. 
Failure to do so may result in legal action being taken against your bureau for non-compliance with the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

When looking at my credit report I noticed a collections account that needed to be resolved. There was no name to the company on either 3 of the credit bureaus websites. Just a phone number and a balanced that was owed. I had to look up the company 's information by phone number. I have reached out on XX/XX/2022, at XXXX and spoke with XXXX XXXX requesting more information on this charge off account. Nothing was provided. I also Spoke with a representative named XXXX on XX/XX/2022, at XXXX XXXX and requested more information, at that point nothing was still provided to me regarding the account. This would be the second time I have requested information and have yet to receive any documentation. I also have sent in a Verification Letter on XX/XX/XXXX at XXXX XXXX Tracking number ( XXXX ) The company received the letter XX/XX/2022 at XXXX XXXX On this day XX/XX/2022, I have yet to receive any validation and proof of this debt this company has stated that is owed.
Product: Credit card or prepaid card

I have a My Best Buy Visa Credit Card through Citi who partnered with Best Buy for this promotional credit card offer. I had recently set up an automated payment for the minimum payment due, which on XX/XX/XXXX and and XX/XX/XXXX I was quoted as owing a minimum of {$110.00}. One feature to this credit card is the deferred interest that was unknowingly applied to my automated minimum payment amount due, so I was charged {$630.00}. I was not made aware of this amount due other than a statement notification quoting this amount, received onXX/XX/XXXX, however had received 2 notifications later that month, shortly before my bill due date, quoting the {$110.00}. This issue has caused me a lot of strain, overdrafting my account, delaying other separate payment obligations, and time out of my entire day to resolve this issue to no avail. I spoke to their associates of this discrepancy and they are unwilling to provide a refund of the excess amount. I feel like there is nothing else I can do. I feel bullied around by a financial company that seemingly can do whatever they want, up and change my payment, and don't even have to duly notify me. I please ask if you can in any way offer assistance and insight in this matter, as there is no agreement I can come to with my financial institution in this matter. I thank you so much for your time and understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am at wits end. I am trying to start internet service with XXXX XXXX XXXX because I am moving XX/XX/20 and my new apartments use only XXXX XXXX XXXX as their provider. XXXX XXXX XXXX for some reason can not pull my credit. They keep saying there is a fraud alert ( Equifax ). I had the fraud alert removed XX/XX/20. I have tried starting service online probably about 30+ times, I have tried starting service via a sales rep on the phone, etc. I have spoken with Equifax at least 3 times and they have confirmed the fraud alert has been removed. I log into my equifax account only and can see it has been removed. I do not know what to do. I have no other provider I can use, I work from home so I must have internet service. I need some serious help here. I have filed a complaint against XXXX XXXX XXXX as well. I did go online to various websites and saw similar complaints regarding Equifax. There is a glitch and it needs to be fixed ASAP. HELP!
Product: Debt collection

On XX/XX/XXXX I contacted XXXX XXXX about a debt on my credit report. I didn't think the debt was accurate or even mine but I needed the collection removed from my credit report. During the conversation I was told if I just paid it they would delete it from my credit report in 45 days. I was told this multiple times. I decided to pay the debt for this reason. I have since called XXXX XXXX multiple times and now I am told that they will not remove the paid collection from my credit report. I feel like I have been lied to so many times by this company to have me pay a debt. The last time I spoke with this company was XX/XX/XXXX. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

( 1 ). In accordance with the Fair Credit Reporting Act 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.

( 2 ). In accordance with the Fair Credit Reporting Act 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. 


( 3 ). In accordance with the Fair Credit Reporting Act 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.

( 4 ). In accordance with the Fair Credit Reporting Act 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. 

( 5 ). In accordance with the Fair Credit Reporting Act 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.

( 6 ). In accordance with the Fair Credit Reporting Act 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.

( 7 ). In accordance with the Fair Credit Reporting Act 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 instruction.
Product: Checking or savings account

I had money tooken out of my credit karma money account on XXXX XXXX a total of XXXX transactions XXXX XXXX XXXX XXXX XXXX XXXX XXXX suppose to had refunded my money to my account but credit karma is stating it never was sent then credit karma it stating that the money never came from XXXX account on their end but paperwork clearly shows the money being tooken out also they refused to help me by showing me anything after these transactions were removed I also have enclosed proof and highlighted the information I am referring too as well
Product: Credit reporting or other personal consumer reports

I HAVE FILED A DISPUIT TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVENT RECIEVED ANY INVESTIGATION REPORTS. 15 u.s. code 1681b- permissible purposes of consumer reports. This is a violation of 15 U.S code 1681i ( 5 ( removal of inaccurate/invalidated credit information. please remove immediately. XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account NumberXXXX XXXX Account NumberXXXX XXXX XXXX  Account NumberXXXX XXXX XXXX  Account Number:XXXX XXXX Account number:XXXX XXXX XXXX Account number:XXXX
Product: Checking or savings account

Account was closed on XX/XX/XXXX, and received a check for the remaining funds on XX/XX/XXXX. The amount ( {$14000.00} ) on the check did not match the remaining balance ( {$25000.00} ) prior to closing the check. Called Citi and they claimed that was the balance on my account. Prior to my account being closed, I deposited a {$6500.00} check on XX/XX/XXXX showing my account balance as ( {$25000.00} ). I then received a text message confirmation from Citi that the amount was deposited into my account on XX/XX/XXXX. I then was having issues logging into my account later that afternoon. Had the same issued on XX/XX/XXXX, so I called Citi and was notified that my account is being closed and I no longer have access to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE ACCOUNTS ON MY CREDIT THAT ARE NOT MINE, I HAVE SENT XXXX+ LETTERS TO THE BUREAUS TRYING TO GET THEM REMOVED WITH VERY LITTLE LUCK. THESE ARE THE ACCOUNTS THAT NEED TO BE BLOCKED UNDER 605B OF FCRA. 


XXXX XXXX XXXX., XXXX XXXX XXXX XXXX., DEPT OF ED/XXXX XXXX., DEPT OF ED/XXXX XXXX., DEPT OF ED/XXXX XXXX., DEPT OF ED/XXXX XXXX., XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX., XXXX XXXX XXXX!!!
Product: Mortgage

I have inclosed a copy of a HELOC statement from Bank of America showing a {$14000.00} escrow balance for flood insurance. I have tried to refer them to the fact that a blanket policy is all I need like I have on the first mortgage which coincidently covers all mortgages. This has caused me a great deal of stress and I have a stressh triggered illiness. At this point I want the escrow cancelled and the HELOC forgiven. I have had a lending probblem with Bank of America before and at that time I believed it was race related and I still believe that. I was unable to get my loans refinanced due to this egregious and completely incorrect loan. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and I need a compensation per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Product: Credit card or prepaid card

During the last week of XXXX maybe before American Express claimed I was pre-approved for a business credit card. My business name is XXXX XXXX XXXX i applied feeling as if i was going to get it. I was denied. It took my credit score down about 70 points or more and I was trying to build my credit so I could purchase a home. That's a real setback and I want to sue them let them buy me a house. My social is XXXX. XXXX XXXX XXXX XXXX MS XXXX. They gave ma an RSVP number and everything. I am disappointed because ain't no telling how long it's gon na take to get it back up. XXXX is my phone number in case you would like to reach out to me.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
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Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 CORELOGIC CREDCO RECEIVED AND SIGNED FOR MY LETTER VIA US ( CERTIFIED MAIL # XXXX ) THAT WAS DATED XX/XX/2021, THE LETTER SPECIFICALLY REQUESTED THAT A SECURITY FREEZE BE PLACED ON MY CORELOGIC CREDCO CONSUMER CREDIT FILE. CREDCO FAILED TO ADHERE THE THE FCRA AND FACTA ACT BY NOT HONORING MY REQUEST FOR A FREEZE ON MY CONSUMER FILE. CREDCO ALSO RECEIVED COPY OF MY STATE OF NJ DRIVERS LICENCE AND WEEL AS A COPY OF MY SOCIAL SECURITY CARD THAT CLEARLY IDENTIFIES MY IDENTITY. CREDCO RESPONDED BY SENDING ME A REPLY LETTER ABOUT IRRELEVANT INFORMATION ABOUT OTHER CREDIT BUREAU AGENCIES PROCEDURES EVEN THOUGH I SPECIFICALLY STATED IN MY REQUEST TO FREEZE MY CREDCO CONSUMER CREDIT REPORT. 
ATTACHED TO THIS COMPLAINT IS MY REQUEST LETTER ( WITH REDACTIONS ) FOR THE FREEZE AND CREDCO ERRONEOUS REPLY TO MY REQUEST. 

IF MY REQUEST IS NOT HONORED I WILL SEED DAMAGES IN A COURT OF LAW.
Product: Consumer Loan

I had a BMW 640i on a 36 month lease term with BMW Financial Services as the first payment on XXXX/XXXX/XXXX following by 35 payments due on the XXXX day of each month. 
On XXXX/XXXX/XXXX, I traded in the car and leased a new car from the XXXX BMW XXXX ( a BMW dealer ). The BMW dealer told me that they will take care of all the paper work with the BMW Financial Services and pay off the remaining balance for the car. 
A few days later, I notice that another {$860.00} monthly lease payment was deducted from my bank account on the car I already traded in. I discussed with the BMW dealer and was informed that either the BMW dealer or the BMW Financial Services will refund me the payment in 6 weeks. 
After XXXX months, this has n't been resolved. I wrote a letter to the BMW Financial Services to state the situation of the transaction and I should not pay for XX/XX/XXXX since I did n't own or have no possession or usage. The BMW Financial Services informed me that the {$860.00} monthly payment was withdrawn through electronic auto pay on XXXX/XXXX/XXXX, and dealer payoff statement already included this payment. They indicated that there was no refund since there was no overage in the account which was already paid off and closed. They told me to discuss with the dealer as this was between me and the dealership. 
It is now XXXX XXXX, after numerous email and phone communications with the BMW dealer and the BMW Financial Services, both of them denied to refund my payment. 
It is very clear that the BMW Financial Services withdrew the {$860.00} monthly payment on XXXX/XXXX/XXXX while I traded in the car on the same day and the BMW dealer was the new owner from XXXX/XXXX/XXXX and after. Since I have informed the BMW Financial Services these facts, the BMW Financial Services should correct the payoff to reflect the proper ownership of the car and refund me the payment.
Product: Credit card

Discover Credit Card closed my account on XXXX because I did not update my data, and when I contacted them, they informed me that they had sent me an email on XXXX. 
I informed them that I thought the email was a scam and that is why I did not contact them, knowing that no one from the company contacted me by phone or by letter, and they closed my account. I asked them to file a complaint, but they refused at first. After that, they informed me that the complaint had been filed on XX/XX/2024, number XXXX. But no one contacted me
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been contesting items on my credit report that appear to be fraudulent. The things are not in question, and they have not been removed from my report. The credit bureaus appear to be ignoring the pattern and allowing these false items to have an impact on my credit score. I have demanded that an investigation be launched, as well as verifiable proof be provided if the things claim to be mine. ENOUGH is ENOUGH! HOW MUCH DOCUMENTATION IS REQUIRED TO GET SOMETHING DONE? CHECK THE ATTACHMENTS! NOT IN ROCKET SCIENCE! You requested documentation, which I have provided. AGAIN, AGAIN, AGAIN! This is my last choice before I consult with my lawyers and file a lawsuit for full compensation and damages. Please remove this. 
XXXX XXXX Balance : {$3100.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX XXXX : {$800.00} ; XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX XXXX : {$190.00} ; XXXX  XXXX XXXX Balance : {$910.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX : {$160.00} ; XXXX XXXX XXXX Balance : {$140.00} ; XXXX XXXX XXXX Balance XXXX {$3900.00} ; XXXX XXXX Bankruptcy : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$750.00} ; XXXX XXXX XXXX Balance : {$900.00} ; XXXX XXXX Balance : {$890.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX, XXXX, L ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/year> Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/year>