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

This complaint follows complaint XXXX. As previously detailed, I attempted to withdraw {$200.00} from my checking account at Chase Bank on XXXX XXXX in XXXX XXXX XXXX. Chase 's response to my former complaint is problematic, because it entirely leaves out that Chase has a policy of allowing customers to withdraw up to {$100.00} without identification. After declining my transaction, none of the tellers or the manager offered to allow me to take out {$100.00} without identification, if, in fact, they say my identification was expired, and they can't process it due to federal law. Apparently, federal law allows them to make up their own policy to withdraw up to {$100.00} without identification. Chase 's response is entirely insufficient and withholds information about this policy to CFPB. There is zero reason to not allow me to withdraw at least {$100.00} according to their own policy. Chase withheld my money without any reason, declined my transaction, and the employees, including the manager, exhibited outlandish unprofessionalism. I want to know why I was not allowed to withdraw {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Bankruptcy : Bankruptcy Account # XXXX has violated my rights. 15 usc 1681 section 602 A states I have a right to privacy. 15 usc 1681, section 602 A, section 2, also states a consumer reorting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number : XXXX  has violated my rights. Or a 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 an 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 or 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: Checking or savings account

In 2019 their was a system error with a Bank of America atm at one of there branches, the problem being that the atm took my money with out completing the deposit so as i contacted the bank they filed a dispute in which the Bank of America associate filed for the savings instead of the checking causing the bank to charge me a fee in which they eventually charged off and now is preventing me from getting a debit card
Product: Credit card or prepaid card

Follow up to complaint number XXXX Was not refunded the {$5.00} fee for the card paid to Incomm financial XXXX Full refund amount is {$500.00} not {$500.00}.
Product: Checking or savings account

On XX/XX/2024, I had to pay a routine XXXX XXXX bill. My phone was stolen, and I needed to file a claim under the XXXX XXXX XXXX service plan I purchased. XXXX would not allow the claim to be submitted until my account was in good standing. I paid about {$410.00} on XX/XX/2024, to file the insurance claim for the stolen device. Unfortunately, XXXX XXXX has remained stagnant and neglects to handle the submission of the theft claim properly. Instead, XXXX XXXX claims that a third party, XXXX XXXX XXXX, is responsible for the XXXX XXXX XXXX service plan. I made several attempts to file the claim and report my phone stolen with XXXXXXXX XXXX third party, XXXX, but have been unsuccessful due to their bad faith, deceptive acts, or practices. 
Nonetheless, XXXX XXXX is the party that sold the service plan on the date I purchased my phone. After failed attempts to reach XXXX and XXXX to resolve this issue, I contacted Chime ( The XXXXXXXX XXXX XXXXXXXX XXXX.  I requested the card issuer charge back XXXX XXXX XXXXactions since I had not received the service I paid for. Chime made an unreasonable and biased decision to determine my claim was ineligible for temporary credit. I provided copies of my complaints from ; XXXX XXXX XXXX, Federal Trade Commission, and the FCC for supporting documents.
Product: Mortgage

XX/XX/XXXX I spoke with XXXX XXXX, about my mortgage being late XXXX stated we can do a modification but we need your XX/XX/XXXX tax return and paystubs from your job 6 Months. I never submitted the documentation because I felt I did n't need the modification. 
XX/XX/XXXX receive a letter advising me required documentation was not received and Wells Fargo unable to offer assistance. 
XX/XX/XXXX received another letter advising me of my FICO score is less than since I closed on my Mortgage/ Payment history must have no 30 day late payment XX/XX/XXXX I received another letter stating my mortgage was going from {$880.00} to {$1000.00} I called Wels Fargo spoke to XXXX I question what is going on with my mortgage he advise a modification was complete and we now have added your homeowners insurance into your mortgage, I question how is that when I never submitted any paper work for the to be done. I ask to speak to an Supervisior. 
XX/XX/XXXX spoke to XXXX XXXX XXXX ex XXXX he advise me they sent a check to XXXX XXXX in the amount of {$600.00} my question to XXXX how can a modification be completed with out my consent and no documentation to make a decision of what my mortgage would be I also state I thought a modification was to help you not hurt you still I do n't understand how this process was complete but XXXX insure me this would be corrected. 
XX/XX/XXXX called back to WellsFargo spoke to XXXX was put through to talk to XXXX he state the correction will be corrected XX/XX/XXXX because he has work to do to make the correction. on XX/XX/XXXX called XXXX to make my mortgage because he said it would be better if he took my payment over the phone since he knows whats going on with my account. XXXX advise me that I need to call state farm so they can send the check back to Wells Fargo in the amount {$600.00}. I called but I think this should be handle by them since they made the mess so I called XXXX XXXX and they reissue the check back to Wells Fargo XX/XX/XXXX received another letter advising me my mortgage is {$1000.00} problem still not corrected this is becoming a hassel and stressing me out. Can you please look into this matter I can be reach @ XXXX r XXXX I did questin if they know what they are doing because one letter stats amount {$1000.00} another one {$1000.00} but my mortgage is {$880.00}. Thanks for you time.
Product: Money transfer, virtual currency, or money service

On or about XX/XX/2022 I tried to send {$250.00} via Venmo to a friend who was having financial problems. She didn't know how to set up her bank to receive so she rejected it, with the help of a Venmo customer service agent. Because of that they froze my Venmo account and they have not transferred the {$250.00} back into my bank account. I have worked with a customer service agent probably 10 times, twice today, and nothing. Change passwords. I have done that about 6 times. Send in my ID to verify myself. I have done that 3 times and they keep asking me to do the same thing over and over. I have corresponded with them over 20 times via email since then and nothing. They keep asking over and over for the same thing. Change my password and verify my ID. I want my money back and they don't seem to want to give it to me so I came here for help. I can not get into my venmo account to get anything like the inability to transfer to payee. If you want copies of all the emails, XXXX correspondence or anything else let me know.
Product: Debt collection

I was shopping at old navy when the cashier asked me if I wanted a " rewards card '' I asked her if it was like a credit card and she said " No '' so I said ok, then I swiped my credit card and signed ( which I later found out that she had me sign for an old navy credit card '' I NEVER received a card, never activated any card but yet they are telling me I have owed money on a credit card. I have been telling the company and every debit collector this story and I have paid money on it to have them to stop building interest on this card. The cashier lied and tricked me so that she could be rewared for getting people to take out credit cards but no one is trying to fix this problem, and last I spoke to the collectors, they said they would send me a dispute form and I have not heard from them since.
Product: Debt collection

Every morning just after XXXX XXXX. I get a call from XXXX. Answered the call today and someone asked for a person I have never heard of. Because of their corrupt practices it may be someone in my neighborhood that they are trying to shame into paying a debt. A check of that number comes back to XXXX XXXX XXXX XXXX with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am on the do not call list and would like to see these people pay for what they are doing. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX. When I got to the end of this form it makes no sense, I am only harassed because they call my phone number. I owe no debt and so the questions on you form make not sense.
Product: Debt or credit management

Pursuant to the XXXX Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication.In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under XXXX law. 
If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the XXXX XXXX XXXX XXXX XXXXXXXX and the Federal Trade Commission.
Product: Credit card

On XXXX XXXX XXXX someone fraudulently used my personal information to fraudulently open a Capital One credit card account. I contacted Capital One both by phone and in writing. I provided proof I was a victim of identity fraud. Capital One refused to accept my claim of a fraudulently opened account by identity fraud. Later Capital One paid me {$650.00} to settle a class action based on the release of my personal information by Capital One.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account name : XXXX  Account number : XXXX Date opened : XX/XX/XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account name : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$500.00} Reason : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Account name : XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account name : XXXX  XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$250.00} Reason : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account XXXX INQUIRIES : XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX  XX/XX/XXXX XXXX INQUIRIES : XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.
Product: Payday loan, title loan, or personal loan

I applied for a loan on XX/XX/2023. After applying online, I was receiving calls back to back from this company. Finally answered and spoke with them. We went through the whole process of the loan application and once we got to the part of the installments, I informed I would think about it and didn't want to do it right now since the interest rate was so high. In fact it was 777 %. They said I was prequalified for {$870.00} but with interest, the pay back would be over {$5000.00}. Installment plan was for 24 months of a payment of {$240.00} every XXXX weeks. After going over that, I informed I would think about it and didn't want to follow through yet. He informed he would follow up with me in a week. Next morning I got an email saying my application was approved. I called them immediately and informed I wanted this application cancelled as I did inform the last person prior, I didn't want to go through with it and I would think about it. I verbally stated I did not want anything debited from my account. When I called them to cancel the loan application I was transferred to XXXX different people. I was talked over the entire time about different payment options. I kept insisting I DID NOT want the loan and to cancel the application. Once I was transferred to the " higher '' department I was then disconnected. I didn't have time to call them back as I already wasted my lunch time and had to get back to work. An hour later, the funds were in my account. Called them back and was informed there was nothing they can do since the funds were released to my account. I was then disconnected again!!!! This loan was a forced loan after VERBALLY informing them over and over and over I did not want it and to cancel it.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$60.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXXXXXX : {$29.00}
Product: Checking or savings account

On XXXX XX/XX/XXXX, my husband and I visited a local Chase Bank in XXXX XXXX TX. We opened a checking account in our trust name. The banker said that we could put it under " military account '' so that you do not have to keep a balance in the account or pay fees. On XXXX XX/XX/XXXX, we had some funds wired to this account. When we checked that day to confirm the funds reached the account they were showing up in the account online. The next day on XXXX XX/XX/XXXX, I could no longer see the account online. We called Chase bank and a representative said the account had been closed. After not getting good info from her, we asked to be transferred to a manager. The manager we spoke with stated the account was never coded as military and due to inactivity the account was closed. The funds that had been wired were sent back to the bank who sent them. Since that day we have called Chase bank numerous times and each time someone tells us something different. This is not a small amount of money and we are not getting any answers other than it could take XXXX hours, or as of XXXX XX/XX/XXXX it could take XXXX days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint serves as my FINAL opportunity to cure and request for XXXX relief. In my previous complaints, I informed you of the laws and rights that you have violated. I informed you that failure to DELETE these accounts would be construed as willful non-compliance. 
To date some accounts have been closed but are still on my credit report, I am requesting that you DELETE ALL closed accounts immediately. 
None of the inquires have been deleted, PLEASE DELETE IMMEDIATELY As I am always willing to learn, if I am wrong and do not have the authority to make these requests, please provide the law that states so. Id also like for you to provide the contract you have between us authorizing you to have authority over me as it pertains to the information that is furnished on MY consumer report. As stated in the FCRA ; Congress makes it clear that Credit Reporting Agencies are to act in the best interests of the Consumer.

You are defaming my character and Violating my God-given right to privacy You have violated 15 USC 1681n Civil Liability for Willful non-compliance.

Because you failed to delete the accounts and inquiries as instructed, I am entitled to {$1000.00} per closed account that remains on my consumer report and {$1000.00} for failure to delete inquiries. Please be advised that your failure to remove the accounts/inquiries and pay the attached invoice will leave me no choice but to take legal action and sue for personal damages, punitive damages, plus attorney and filing fees. I am giving you the opportunity to avoid legal action by correcting your errors.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 
Please see attached. 

Equifax : PREVIOUS ADDRESS : 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 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. Thi is item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my grave concern regarding Equifax 's handling of a dispute concerning a XXXX XXXX hard inquiry on my credit report. Despite providing clear evidence from XXXX XXXX stating that the inquiry in question was designated for deletion, Equifax has inexplicably refused to remove it from my credit report. This blatant disregard for accurate reporting and the misrepresentation of conducting an investigation demands immediate attention and action from the CFPB. 

In my initial dispute with Equifax, I included a letter from XXXX XXXX that explicitly stated the hard inquiry would be scheduled for deletion. Despite this, Equifax chose to retain the inquiry on my credit report, citing it as a " factual record '' that would persist for two years. This action raises serious doubts about the thoroughness of their investigation and calls into question the integrity of their reporting practices. 

It is evident that Equifax has failed to conduct a proper and diligent investigation into the matter, as their decision contradicts the express agreement from XXXX XXXX to remove the inquiry ( Letter attached ). This lack of attention to crucial evidence and the inclusion of standard language in their response letter points to a deliberate attempt to avoid acknowledging the facts. 

I implore the CFPB to take immediate action against Equifax for misrepresenting that an investigation was conducted when it is abundantly clear that no such investigation took place. Credit bureaus should be held accountable for their actions and must be obligated to conduct thorough and unbiased investigations when disputes are raised by consumers. 

Furthermore, I kindly request the Equifax to provide me with a detailed description of the procedure it used to determine the accuracy and completeness of the information in question. I seek the business name, address, and telephone number of the furnisher of information that Equifax allegedly contacted during their so-called investigation. 

It is essential that the CFPB takes a firm stance on this matter to ensure that credit bureaus uphold their duty to handle disputes accurately and responsibly. Equifax 's refusal to remove the hard inquiry despite concrete evidence from XXXX XXXX warrants immediate attention and intervention. 

I urge the CFPB to place Equifax on notice for their questionable practices and insist on a proper and unbiased investigation into the dispute. It is imperative that the credit bureaus adhere to the highest standards of accuracy and transparency to protect consumers ' rights and creditworthiness. 

I am hopeful that the CFPB will take swift and decisive action in this matter, and I sincerely appreciate your attention to this important issue. Please find enclosed copies of relevant documentation for your reference. 

Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX gave my Mortgage account to XXXX to service XX/XX/XXXX. I filed XXXX Bankruptcy, XXXX in XXXX. I did NOT reaffirm this debt yet every time XXXX XXXX XXXX gives to XXXX ( XXXX now since XXXX ). XXXX puts on my credit report, Currently only showing on Equifax. This is against the Bankruptcy law as Im not responsible for this debt. XXXX blames XXXX  XXXX XXXX for not giving them the info and telling me I need to request it to be removed which can take 30 days. and XXXX  XXXX XXXX says they gave them the information. Again this is the 2nd time happening and in the meantime my credit is affected by XXXX points. Not only that but the info given to the Credit report is incorrect. The Credit agency should also be responsible for allowing this to happen a 2nd time.