23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I FILED A COMPLAIN ON XX/XX/XXXX REGARDING THE ISSUE WE HAD WITH CHASE BANK SINCE LAST YEAR. 
ON XX/XX/XXXX CHASE BANK SENT US A LETTER STATING WE WILL BE RECEIVING THE MONEY BACK WITHIN 30 DAYS. Today, XX/XX/XXXX WE HAVE NOT RECEIVED THE FUND YET. 
SOMEONE NEEDS TO LOOK INTO THIS ISSUE, CHASE BANK IS TAKING ADVANTAGE OF PEOPLE WHO DONT SPEAK WELL ENGLISH. 
ITS A FRAUD! 

BELOW IS MY FIRST COMPLAINT REGARDING THIS MATTER. 
On XX/XX/XXXX I sent {$1000.00} to a friend who resides in XXXX, FL. I used XXXX through my XXXX bank, as usual to make payments or send money for necessary things around USA. Apparently, I made a mistake I put XXXX on the part where XXXX requests what is the money for. I put XXXX because XXXX is a friend from XXXX. I requested a dispute with XXXX XXXX, and they found out JP Morgan Chase Bank blocked the transaction due to the XXXX word written on memo. XXXX bank recommended me to apply for a license with the Department of the Treasury XXXX to unblock and release the funds. The application for a license was submitted back in XXXX of XXXX and on XX/XX/XXXX, of XXXX I received the letter from the Department of the Treasury informing me that OFAC has issued a license to JPMorgan Chase Bank to release the funds. XXXX bank and myself have been trying to get a hold of the department who handle these cases inside Chase bank but no-one knows what to do or what to say. The persona the money was sent also contacted Chase bank in several occasion and they keep telling her the money will be returned to me. Today, again XXXX bank and myself tried to talk to Chase Bank and they don't know what to do or where the money is. I need an investigation because I believe this is not the first time Chase has not returned the funds. This chase bank in XXXX is taking advantage of people who don't know English or don't know what to do to get their money back.. Today, my bank XXXX asked me to file a complaint with you to get to the bottom of this problem.
Product: Checking or savings account

I have a chase banking account ending in XXXX, at the time of opening, no one advised that they will be charging a monthly account fee of {$12.00} if the daily account balance is below {$1500.00}. JP Morgan Chase bank has been STEALING my hard earned money even though I have payroll direct deposit set up and the requisite account balance is maintained and they REFUSE to refund my money that they have STOLEN without my consent. I want this agency to investigate this and take immediate action against these FRAUDS at JP Morgan Chase
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting this complaint to address ongoing issues with the credit bureaus ( XXXX, XXXX, and TransUnion ) regarding fraudulent accounts that remain on my credit report despite multiple disputes and communications. I have repeatedly informed the credit bureaus that these accounts were opened without my knowledge or consent as part of identity theft, which began in XX/XX/XXXX. The accounts in question include : XXXX. XXXX XXXX - {$16000.00} ( Reported XX/XX/XXXX, XXXX : Closed ) XXXX. XXXX XXXX - {$31000.00} ( Reported XX/XX/XXXX, XXXX : Closed XXXX XXXX XXXX XXXX  - {$430.00} ( Reported XX/XX/XXXX, Status : Closed ) To support my disputes, I have attached my FTC Identity Theft Report, which documents the fraudulent nature of these accounts. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to investigate disputes, remove fraudulent accounts, and ensure my credit report reflects accurate information. Despite providing the FTC report and other supporting documents, the credit bureaus have failed to take appropriate action to remove these accounts. 

The presence of these fraudulent accounts is severely impacting my financial stability, creditworthiness, and ability to secure financial resources. I am bearing the burden of unjustly damaged credit due to these inaccuracies, and the inaction of the credit bureaus exacerbates the harm caused by the identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has a charge off for a XXXX account that I've never had. I've disputed it many times now. And have never received any documentation that shows or proves I owe the fraudulent dept. 

This particular credit agency is known ( googled ) for aggressive and imitating tactics. And I do not want to talk with them and start the collection clock over again
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a late payment on my account that is inaccurate. It also has incorrect information reporting. In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account info Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$5.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$5300.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$30000.00} Highest balance {$0.00} Terms 60 Months On record until XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 6801 - Protection of nonpublic personal information states it is the policy of the XXXX  that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
I only have one name which is XXXX XXXX, all others are false. I would like any other variations removed. 
My address is XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX I want all personal identifying information removed from my report EXCEPT my name and address. 
15 U.S. Code 1681a states that I have a right to ACCURATE and FAIR credit reporting. 
The XXXX XXXX XXXX Account XXXX shows {$950.00}, open status, and past due on Experian, while it reports a {$960.00} balance and is charged off on XXXX and XXXX. I want this account removed due to inaccurate reporting. 
According to the IRS ( XXXX XXXX. XXXX Canceled Debt Is It Taxable or Not? ), a charge-off is considered a certificate of indebtedness, which is considered income, and income can not be reported on any credit report. I Would like the following accounts removed : Account # XXXX with AD XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXXXXXX ) Account # XXXX with XXXX XXXX  ( Original Creditor XXXX XXXX  ) Account # XXXX with XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX  ) Account # XXXX with XXXX XXXX XXXX It is illegal to report transaction history. Also, 15 USC 1666B states A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Account Number XXXX with XXXX OF XXXX shows a delinquent account when it should report as current. I would like this updated. 
According to 15 USC 1681b ( c ) ( 3 ), Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Also, 15 USC 1681a ( 4 ) States I have the right to privacy. Therefore, I need all inquiries, SOFT and Hard, removed because of a violation of privacy.
Product: Credit reporting or other personal consumer reports

I am a victim of a Data Breach and Identity Theft. Please block and delete the following accounts with 4 business days under the Fair Credit Reporting Act Section 605B, 15 USC 1681c-2. Please block and delete the following accounts : 1. XXXX  XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX, XXXX DBA XXXX XXXX 5. XXXX XXXX XXXX XXXX  XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX XXXX 10. XXXX Inquiry Date : XX/XX/year> 11. XXXX Inquiry Date : XX/XX/year> 12. XXXX Inquiry Date : XX/XX/year> 13. XXXX DBA XXXX XXXX Inquiry Date : XX/XX/year> 14. XXXX XXXX Inquiry Date : XX/XX/year> 15. XXXX XXXX Via Dealer Inquiry Date : XX/XX/year> 16. XXXX XXXX Inquiry Date : XX/XX/year> 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX See attatched Credit Reported by XXXX OPENED XX/XX/XXXX Account XXXX IS A FRAUDLENT ACCOUNT # This see attatched 1099- C Bankrupcy Debt Discharged XX/XX/XXXX WAS ACCOUNT OPENED XX/XX/XXXX XXXX DEBTOR NOT LIABLE. XXXX CHANGED THE ACCOUNT NUMBER AND SOLD AS DELIQUENT ACCOUNT. XXXX OPENED ACCOUNTS I DID NOT AUTHORIZE OR APPLY FOR 1 ) MC end XXXX now deliquent 2 ) Visa XXXX ID THEFT case XXXX 3 ) card end XXXX?? I DID NOT APPLY FOR ANY OF THESE ACCOUNTS ON LINE ONLY BANKING ACCOUNTS THAT I HAVE NO ACCESS TO. THEY ARE NOT ADA ACCESSIBILITY.
Product: Payday loan, title loan, personal loan, or advance loan

As of XX/XX/XXXX my XXXX XXXX card was charged {$95.00} interest fee for past purchases. What I found interesting is that I began to go into debt with the credit card during covid. I had lost my job during covid XXXX and couldn't make payments. I called to see if there was a financial hardship program that they had that I could take part of. I was told no by one of their representatives. I have been a Navy Federal member since XXXX and up until this past couple of months I have seen that they do not care about their XXXX American members. I was even denied a car loan through them when I was working, and I was told that I didn't make enough and that my credit score was too low ( which I later found out wasn't the case ). I know that I have a previous complaint with them that they have yet to respond to, but I am also making this complaint to show how predatory their practices are when it comes to their XXXX American customers. When I started off with the credit card, I was told that after a year the APR would be 17.99 % and the current APR is at 19.99 %. I would like to settle this in a civil manner without being gaslit about what they aren't able to do.
Product: Credit reporting or other personal consumer reports

TU continuously claims they can not verify my identity and locks my account so I can not pull scores or dispute. This has been resolved several times after CFPB complaints and then happens again, despite being given copies of my license and social security card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, section 602 ( a ) of 15 USC 1681 emphasizes the importance of consumer reporting agencies conducting their responsibilities fairly, impartially, and with respect for individuals ' privacy rights. Equifax and XXXX are recognized as consumer reporting agencies, while I, as a consumer, hold the right to safeguard my private information. This right is supported by section 6801 of 15 USC, which specifies that financial institutions have an ongoing obligation to uphold customer privacy and protect the security of their nonpublic personal information. The entity referred to as the XXXX XXXX XXXX ' falls under the definition of a financial institution as per the mentioned title. 

Section 604 ( a ) ( 2 ) of 15 USC 1681 outlines that a consumer reporting agency can furnish a consumer report solely based on explicit written instructions from the relevant consumer. Neither XXXX XXXX XXXX ' nor the consumer reporting agencies ( Equifax and XXXX ) possess my consent to share this information, and certainly not my written consent. Consequently, any consent previously given to Equifax, XXXX, or the XXXX XXXX XXXX ' whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Section 6802 ( b ) ( c ) of 15 USC asserts that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed about their right to exercise the option of nondisclosure. XXXX XXXX XXXX ' failed to inform me of this right. Furthermore, as stated in 15 USC 1681C ( a ) ( 5 ), a consumer reporting agency is prohibited from including certain adverse items of information in a consumer report, unless authorized under subsection ( b ) or if the information pertains to convictions of crimes that occurred more than seven years prior. The account being reported is an adverse item without my consent, which is a violation of the law.

According to 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful to furnish inaccurate information about a consumer to any consumer reporting agency when there is knowledge or reasonable cause to believe inaccuracy exists. Also, 15 U.S. Code 1681e mandates consumer reporting agencies to maintain reasonable procedures to prevent violations of section 1681c and restrict the provision of consumer reports solely for the purposes listed under section 1681XXXX. Equifax and XXXX are failing to uphold these reasonable procedures. 

Additionally, as per 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any time. As of XX/XX/2023 I am exercising my right to opt out of your reporting services. 

Attached below are images from my consumer report containing evidence of Equifax, XXXX, and XXXX XXXX willful noncompliance. 

Thank you for your attention concerning this matter!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of a fraudulent account on my credit report, which I recently discovered while reviewing my credit history. The account in question does not belong to me, and I request that it be thoroughly investigated and removed from my credit report as soon as possible. The details of the fraudulent account are as follows : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you investigate this matter promptly and initiate the necessary steps to verify the fraudulent nature of this account. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or fraudulent information on my credit report, and I expect that the credit bureau will adhere to the law 's requirements for a timely resolution. If you find that the account is indeed fraudulent, I expect it to be removed from my credit report, and I request that you provide me with an updated copy of my credit report reflecting this change.
Product: Debt collection

Dispute Letter to XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY ASSOCIATES , LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Dispute of Account # XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing to formally dispute the validity and accuracy of the above-referenced account being reported by Profile Recovery Associates LLC ( PRA LLC ). The account in question, associated with XXXX XXXX  and XXXX XXXX, is listed with a balance of {$XXXX}. 

This account has already been paid in full, and therefore, PRA LLCs attempt to collect on this paid debt is erroneous and in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I am requesting immediate investigation into this matter and demand that this account be removed from my credit reports and any further collection activity cease.

I also request : Full validation of this debt, including a complete itemized history of all charges, payments, and adjustments.

A copy of any contract or agreement bearing my signature that authorizes Profile Recovery Associates LLC to collect on this account. 
Immediate correction of my credit file to reflect the accurate status of this account as Paid in Full. 
Please consider this letter formal notification under both the FDCPA and the FCRA. Failure to respond within 30 days will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General 's office. 

I expect your prompt attention and resolution to this matter. Please confirm in writing that you have corrected this error and that no further collection activity will take place. 

Sincerely, Enclosures : [ List any documents youre including, if applicable proof of payment, previous correspondence, etc. ]
Product: Credit card

Chase Travel refuses to offer a difference in a price of a flight that was booked 4 days ago. 

All airlines will credit back vouchers for the difference and they state they can not. Even other travel agencies give refunds if prices drop. They stated to do a voucher I would then have XXXX $ taken from voucher when used. 

Flight is through XXXX  who said they would credit the money but couldn't since being through chase travel difference is XXXX $ in ticket price ( original fair purchased for XXXX $ new price XXXX $ ) ticket purchased on XX/XX/XXXX called for change on XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to update/correct my personal information on file with your company. Please update my address : XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to XXXX XXXX XXXX My only social security number is My only correct date of birth is My only employer is N/A I do not wish to have any telephone numbers on my report. 

Please remove all the other addresses from my report as they are not deliverable to me by the XXXXXXXX XXXX XXXX and they are not reportable as per the FCRA, since they are inaccurate. Sincerely, Enclosed is my Drivers License and Proof of Resident.
Product: Credit reporting, credit repair services, or other personal consumer reports

After my initial complaint against XXXX  the result was still still not verified they keep saying the account Sentry Recovery & Collection has been verified the company has failed to respond to me under the FDCPA and XXXX  has failed under section 609 ( a ) ( 1 ) ( A ) so this has gone far enough class action lawsuit will begin on XX/XX/2019 if not resolved
Product: Debt collection

HI, I pulled out federal student loans and owed some money back to that school when I transferred out of that school. I paid most of the amount back and I was in constant email exchange with the school about how much money is left for me to paid. This was last year in XX/XX/2020. Then when I tried to ask them that is not the correct amount that I owe and tried to figure out how much is actually owed, they never responded to my email. Then later, I got a collections agency notification saying that I owed ~ {$1000.00} more than what they initially said, which was already over-estimated student debt. I tried to email the school one more time, which they were closed for the holidays. I also tried contacting the collections agency and left two voicemails to no returned calls. 

Please help me as much as possible, this has been significantly impacting my credit and not sure what to do. Thank you.
Product: Debt collection

THIS IS A COMPLAINT AGAINST EXPERIAN, TODAY XX/XX/2020, I RECEIVED THE RESULTS OF MY COMPLAINT MADE ON XX/XX/2020 THROUGH THE CFPB PORTAL, AND I HAVE REALIZED THAT THIS COMPLAINT WAS NOT WELL READ BY EXPERIAN, BECAUSE IN THAT COMPLAINT, IT SAYS THAT I AM REQUESTING THAT ACCOUNT BE VERIFIED, THAT ALL THE INFORMATION IN THIS ACCOUNT IS SUPPLIED TO ME : XXXX / XXXX  # XXXX, THEY HAVE ONLY READ THE LETTER I SENT, WHERE THE DISCOVERY ACCOUNT WAS, BUT THOSE FROM XXXX / XXXX CONTINUES IN MY CREDIT WITH YOU. AND THIS IS THE ACCOUNT THAT I REQUEST THE TRUTH, ACCORDING TO THE LAWS OF JUST CREDIT, BUT WHERE DO THE RESULTS OF THIS PARTICULAR COMPLAINT COME IN? BECAUSE THIS ACCOUNT IS STILL REPORTED ON MY CREDIT, I GO TO THE CONSUMER FINANCIAL PROTECTION BURO, SO YOU CAN GIVE ME A COPY OF THE EVIDENCE THAT THEY SAY THEY HAVE TO DENY MY DISPUTE? I REQUEST THAT YOU SEND ME ANY DOCUMENT THAT ACCREDITES THAT BELONGS TO ME. I AM IN ALL MY RIGHTS TO REQUEST THIS EVIDENCE ACCORDING TO Practices Act, Section 1692g. 
1 ) THE ORIGINAL APPLICATION OR CONTRACT 2 ) ANY AND ALL STATEMENT ALLEGEDLY RELATED TO THIS DEBET. 

3 ) ANY AND ALL CANCELED CHECKS IN THIS COMPLAINT I AM SENDING A COPY OF THE LETTER THAT I HAVE SENT 60 DYAS AGO AND I HAVE NOT RECEIVED A REPLY, YOU AN EXPERT ABOUT MY REQUEST FOR VERIFICATION OF THIS ACCOUNT AND WHERE I REQUEST THE PROOFS THAT THEY SAY THEY HAVE. PLEASE READ MY COMPLAINT WELL I REQUEST THE PROOFS YOU HAVE, ANY COPY OF ANY DOCUMENT UNDER THIS ACCOUNT.
Product: Credit card

I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : American Express Customer Service XXXX XXXX XXXX XXXX XXXX, TX XXXX This was a request to open a dispute for a transaction with XXXX made XXXX XX/XX/2023 in the amount of {$560.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.
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. 


Account Name : XXXX Account Name : XXXX has violated my rights. Or list of inquiries 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.