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

While in the hospital from XX/XX/XXXX till XX/XX/XXXX JPMorgan Chase Bank, N.A. charged my business account Fees and Overdraft Fee in the amount totaling {$300.00} Once the account was funded again ( upon my release from hospital - while in quarantine after contracting XXXX ) I was told that the account was closed and then the bank would keep the amount due and refund me the difference. 
One and one half month later the difference was received only to notice that over the period mentioned above Chase Bank kept charging Fees and Overdraft Fees in violation of the NYS executive order XXXX. 
I made several attempt to be refunded either at the branch or over the phone but got systematically denied. 
Today I tried one more time by calling customer service and speaking with Tay ( ID XXXX ) which after asking for my FULL S/S # ( never happened before ) she denied the refund one more time. Upon my insistence, I spoke with an Account Supervisor, XXXX XXXX ID XXXX XXXX which one more time said that the bank would not refund any money, and denied to be aware of any executive order or laws to waive fees during the state of emergency due to XXXX. 
I gave them ample opportunity to make it right but they categorically deny that they should comply with any laws or executive orders. 
I told them that I will follow up with a formal complaint that might impose them additional fines but the guy could not care less. 
I have been severely and negatively impacted by the XXXX global pandemic and I am asking for reliefs for my ( one person ) interior design business. 
Attached are my bank statements for the above mentioned period, circled are the fees charged totaling {$300.00} Kindly do whatever possible to recoup the much needed {$300.00} Many thanks, XXXX XXXX
Product: Debt collection

I received a letter that shows it is from American Coradius International LLC dated XX/XX/2021. It has my name ( with my maiden name, not my legal married name ) and my address. It has an account number listed and an amount due to XXXX, XXXX. I do not own the account listed and I do not owe XXXX any money. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my second notice asking the following credit bureaus XXXX, XXXX and Equifax that the following XXXX XXXX XXXX  account payments to be removed and change the payment status to current because of the Care Act. Under 15USC 1666B this is a billing error always paid on time, this is an error, and this account is in violation of the Care Act. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate. from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Product: Mortgage

I began working with Navy Federal Credit Union on refinancing my mortgage loan in early XX/XX/2019. They delayed processing and acceptance through most of XXXX, XXXX, and XXXX. After working with them to collect needed documentation in early XXXX, documentation which they demanded be provided within 1-2 business days or they would close my loan which presumably would mean they'd make me wait 3 more months. In XXXX they provided loan estimates of 3.6 %, and then raised that estimate later in XXXX and XXXX without proper notice. The bank would regularly send paperwork and then let it expire over and over ; due to their massive backlog processing delays, so paperwork updates were routine and gave me no reason to suspect a change that was adverse to my loan or finances. 

After no notice through most of XXXX following assignment of title company, I called on XX/XX/XXXX asking for an update on my loan schedule as well as requesting an understanding of the current rates and received no updates until XXXX  XXXX when I was issued a closing date by email. When I received my paperwork for that loan, the rate had been increased to XXXX above what I had received in prior estimates. 

Navy federal delayed for 4-5 months, changed processor contacts, demanded immediate action during sporadic moments of time in order to keep my loan application from further delays and then raised my rates at the last minute without proper notification. 

I am attaching PDFs of our email conversation threads highlighting weeks of delays and rushed demands from the bank. I am also including a screenshot of the document delivery notifications that were sent almost daily to my email inbox and that I was instructed to ignore since they were a result of the bank working around their own rules to deal with their backlog. This document delivery noise further confused and interrupted any reasonable expectation of notification they may provide, especially when the bank told me I am to ignore them.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 USC 1618 section 602 states I have the right to privacy.

15 USC 1618 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 1666 B : a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose
Product: Vehicle loan or lease

On XXXX XXXX it shows that my balance on my Auto Loan increased {$270.00} between XX/XX/18 and XX/XX/18. It went from {$17000.00} to {$18000.00}. I pay at least 14 days early every month and my interest rate has dropped due to good payment history. I was not offered a reason for the increase. This caused my credit score to drop XXXX points.
Product: Checking or savings account

Checking and savings account opened with Unionbank. Company stated they closed the accounts.
Product: Credit reporting or other personal consumer reports

To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via mail dated While checking the above report, it came to my notice that your Company has furnished an account on my report. 

According to 15 USC 1692a ( XXXX ), the term Communication means the conveying of informa- tion regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the al- leged debt ) by the Company will amount to Communication as per Fair Debt Collection Prac- tices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your ac- knowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against XXXX this account from my consumer report asap.
Product: Checking or savings account

Good evening I XXXX XXXX has taken out a Complaint against Td bank. I am notifying the CFPB again to let them know that I went back to Td bank on XX/XX/XXXX and spoke with a rep. by the name of XXXX XXXX to see if Td bank came to a resolution on the disputes? She informed me that the manager of Td XXXX XXXX XXXX had put in a claim for {$5100.00}? Which was Denied And XXXX XXXX and XXXX XXXX XXXX put in a 2nd dispute for {$2500.00}? Which was also denied. They told me that I would be notified from the bank when the disputes were finished being investigated. I was never notified, I came in the bank to be told that the 1st dispute was denied because a PIN number was used, when I specifically told XXXX XXXX XXXX anything with a PIN number was me, she specifically told me that she put that in the notes, but she didnt, XXXX was very dishonest with me, she and XXXX was very dishonest leading me on to believe that both dispute claims was put in for {$23000.00} and they was very dishonest because the claims was only put in again for {$5100.00} and {$2500.00}? No where even near {$23000.00} and both of those claims was denied and Ive been to that bank at least 3 times a week since I found out and I was never ever notified from Td bank that the 2 claims was denied until I came to the bank to get the outcome to find out on XX/XX/XXXX the second claim was denied also for another inaccurate amount. XXXX XXXX told me that they were waiting on a response from Visa and XXXXXXXX XXXX and that if it was he he would hire a lawyer to scare XXXX XXXX because 9 out of 10 the company wasnt cooperating. I ask how if Td allowed some one to go in my account and steal XXXX out. XXXX had me to go back to the police station to file for forfeiture? Those two managers was very unprofessional, dishonest, and did not do the proper protocol of their job description. They have been perpetrating to give me back my full amount it has now been over a month I have been trying to get this very unprofessional matter resolved. I have made a formal complaint against XXXX XXXX XXXX and XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX because both of these managers assured me that those claims was put in dispute for {$23000.00} and they was very dishonest because it was nottt!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter out XX/XX/2022 in XXXX to Experian, XXXX, and XXXX. However it been more than 30 days and the credit bureaus failed to send my investigation back. this is not making any sense. 


Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of disputed information. 
( 1 ) Reinvestigation required.

( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Checking or savings account

Money would not take partial payment, withdrew complete amount of XXXX. Need reversal immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am a victim of identity theft. I noticed the following problems on the date of XX/XX/XXXX, Transunion, XXXX, and XXXX have furnished my consumer report without my consent in any way/form. My nonpublic personal information has now been shared through companies. Congress says, the consumer has the right to privacy and as a consumer the burials have gone against my rights and the laws rights! These credit bureaus are failing in protecting my information and are going against the LAW! The Fair Credit Reporting Act was made to ensure fairness and THE CONSUMERS RIGHTS TO PRIVACY THIS IS A DIRECT VIOLATION OF THE GRAMM LEACH BLILIEY ACT OF XXXX! I am sending out this letter to have the following information deleted from my credit report instantly. Unfortunately I am a victim of my identity being taken, and I also have not made the following change. I demand the following items listed in this report be deleted from my credit report as soon as possible. I have reported the theft of my identity to the federal trade commission, I have also sent out a report through the CFPB and the XXXX XXXX XXXX and below are the copied attachments for your keeping. Please delete the following information as asked asap THANK YOU! 




ACCOUNT NAME : 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ). Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been told by wells fargo that they have no responsibility to report my credit activity to the credit company 's, this is a business credit card that is my ONLY credit card I have for 27 years, now im told I have no credit. Its the same SSN number. Please help me.
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 XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXXXXXX  Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX  - DATE OPENED XX/XX/XXXX
Product: Mortgage

Bank of America sold my mortgage XX/XX/2013. At that time I was in a program were my payment was taking out every 2 weeks. In order to get into that program I had to be paid 1 month in advance. When they sold my loan to XXXX XXXX XXXX they did not offer such a program so I was told not to pay the last month with Bank of America. A few months later I noticed a late payment on my credit report. I argued this with Bank of America and they removed it from my credit report. A year went by and this reappeared on my credit report. I 've yet again argued with Bank of America but this time they wo n't remove this. It is negatively effecting my credit and I just want it removed.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding Equifax 's failure to remove fraudulent and inaccurate information from my credit report, specifically a XXXX XXXX XXXXXXXX XXXX account with reference number XXXX. This account is entirely fraudulent and has caused significant harm to my credit file. 

I have previously notified Equifax of this issue and demanded removal of the account under the Fair Credit Reporting Act ( FCRA ), specifically citing my rights under 15 U.S.C. 1681c-2 ( a ), which requires credit bureaus to block fraudulent information upon receiving valid proof such as an FTC Identity Theft Report.

Despite providing all the necessary documentation, including my FTC Identity Theft Report, Equifax has failed to remove the fraudulent account, which is a violation of the FCRA and my consumer rights.
Product: Checking or savings account

I am sorry to report that I am again writing you about unauthorized funds taken from my Chase checking account. ( I previously wrote about incidents in late XXXX which you have advised Chase has yet to investigate and respond to - complaint # XXXX XXXX. 

This most recent problem occurred on XX/XX/XXXX, when I noticed three unauthorized debit card withdrawals from my checking account, each for {$200.00}, made from the Chase branch at XXXX XXXX XXXX in XXXX. A total of {$600.00}. I called Chase and they temporarily restored the funds while they investigated. Today, XX/XX/XXXX, they sent a letter to say that the withdrawals were authorized and entailed using my chip card. However, I have never lost my card or had it out of my possession. I live alone with a child and no one can even visit our home during this pandemic. I have a clean banking record and manage my money carefully. And my card was replaced after the XXXX incident. I asked if they were up to speed with sophisticated cyber crime that might enable a thief to replicate a chip card. They say that they are. This has to stop and clearly my money is not safe at Chase. I will keep this account open ( with minimal funds ) for the purposes of an investigation, but I believe I need a new bank, one that can manage accounts safely and has a longstanding customer 's needs and protection in mind.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX NEVER GAVE ( XXXX, EXPERIAN OR XXXX ) ANY VERBEAL OR WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. NO CONSENT IS IDENTITY THEFT A COPY OF THE LAW IS ATTACHED WITH THE DISPUTE I HAVE NOT GIVEN YOU PERMISSION TO ACCESS MY CREDIT PROFILE AND YOU HAVE NO PERMSISSIBLE PURPOSE BY THE LAW TO CONTACT THIRD PARTIES WITH MY PRIVATE OR PERSONAL INFORMATION. YOUR OFFENSES AMOUNT TO AGGRAVATED IDENTITY THEFT PURSUANT TO 18 U.S.C. 1028 A. YOU HAVE KNOWINGLY TRANSFERRED POSSESSED OR USED WITHOUT LAWFUL AUTHORITY A MEANS OF IDENTIFICATION OF ME WHICH IS A FELONY PUNISHABLE WITH UP TO 2 YEARS OF IMPRISMONMENT IN ADDITION TO CICIL LIABILITY THE FOLLOWING ACCOUNTS ARENT MINE
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX XXXX cant enroll in XXXX with email XXXX or XXXX when I try those emails I get a error message saying please try enroll again later and for XXXX I need that to be unblocked or unrestricted it was blocked or restricted for no reason and same for XXXX I need that to be unblocked or unrestricted it was blocked or restricted for no reason and when I called in they say my XXXX feature account was restricted I dont know what for and I need it to be unrestricted or unblocked or both I didnt do nothing wrong to get it restricted or blocked and when I try to use a email to enroll in XXXX at Wells Fargo it say we apologize for inconvenience please try again later etc and this We couldn't enroll XXXX. Please try again later. at Wells Fargo please fix my issue etc I have contacted my bank about the issue but they say nothing on their end but they say you can contact their corporate person who is working on my issue at XXXX their time hour they work is Friday between XXXXXXXX XXXX to XXXX XXXX XXXXXXXX XXXX and name is XXXX Office of the Customer try to contact them to work with them to get the issue resolved and also contact XXXX support and fraudulent department at yall side and deposit and contact XXXX and XXXX XXXX to get it resolved and work with them to get it resolved it was working fine in XXXX until I updated my email in XXXX please reset my XXXX token and XXXX account token and generate me a new XXXX token and XXXX account token and unblock it and unrestricted it please look at my attachment below for the issue etc. account number is XXXX
Product: Debt collection

After XXXX XXXX from the XXXX in XXXX, I was unemployed and attending XXXX University. Once I got a job, I was unable to make payments to several debts to include XXXX  XXXX. Since then, I have obtained a very good job, payed off several debts, am completely caught up on XXXX  XXXX, and am trying to take care of this debt in particular. The debt in question is a XXXX XXXX XXXX credit card debt from XXXX XXXX XXXX XXXX XXXX XXXX that was purchased by Transworld Systems Inc. with an original debt of {$1800.00}, collection costs in the amount of {$360.00} and interest in the amount of {$89.00}. On XX/XX/XXXX, I made a " good faith '' payment of {$750.00} in order for me to make a settlement offer ( as " policy '' from Transworld Systems ). After the settlement offer was made ( settlement in the amount of {$1900.00} ) I  declined to pay because I had already made a {$750.00} which didn't seem to reflect in the total amount owed. 
Throughout their entire attempt to collect this debt, not once have they given me the information I need to make payments online in order for me to lower the debt. Every time I have asked for my " Registration number '' to setup my account online they decline to give it to me saying my account is in a garnishment status, yet they have never garnished my wages in 4 years. 
XX/XX/XXXX I called to setup payments arrangements and to notify them that I will be paying the full amount either at the end of the month or next month and to setup payment arrangements in the mean time. They told me my debt has risen to {$2300.00}. This is about {$400.00} more than what they have been submitting to all 3 of my credit bureaus, and where is the {$750.00} that I paid in XXXX? So I offered payment arrangements in the amount of {$100.00} a month, the representative said it would be better to make a {$200.00} payment. I settled for the middle and offered to pay them {$150.00} a month to start paying down the debt. The representative told me that they needed a monthly financial statement in order to start a payment arrangement " so low. '' Are you kidding me? I hung up and later called for an itemized statement of my account for the last 12 months. I want to know where they included my {$750.00} payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Did not work for XXXX XXXX XXXX