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

This is a complaint with Jp Morgan Chase. I am seeking to open a XXXX & and checking account for a XXXX XXXX. 

Attempted to go into bank to get a XXXX XXXX on a XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX along with notary witness. I was advised by XXXX XXXX  customer service team that I need to go into branch for branch XXXX to assist. 

Bank manager checked with the XXXX XXXX. Manager refused to provide XXXX XXXX Stating i need to have a checking account open for a trust fund open before they can medallion stamp the form. When I attempted to open a XXXX checking account XXXX stated that the bank has refused to open trust checking account from a previous issue i reported to CFPB back in XXXX of XXXX 

Fast forward i was allowed to open a XXXX XXXX XXXXXXXX for my XXXX After I went into bank to try to get XXXX XXXX and was refused. The back office made decision to close the account with no clear reason or explaination as to why the account was being closed. When I log into XXXX XXXX. I am able to see an account XXXX is there but when calling into customer service they are telling me account is no longer active and go into branch to have them assist.
Product: Debt collection

On or about XX/XX/18 I make a cease and decease letter to Cascade Capital , LLC XXXX XXXX XXXX XXXX XXXX , XXXX and to XXXX XXXX XXXX, XXXX in the amount of XXXX. on XX/XX/18 a letter was drafted by XXXX XXXX XXXX XXXX XXXX. This letter was drafted after I mailed them both a cease and deceased letter explaining to them not to contact me. I do not owe Cascade Capital , LLC anything they brought this debt and my account with XXXX is closed. 

Can you please assist me further with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : 1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX 2. Identity Theft XXXX   XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 3.  Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 6. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit 7. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit Identity Theft 8. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
Identity Theft 10. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I always pay my account online with this particular company but this one time they notified me that the payment was received but then 30 days later i was notified that they never received the payment and that there was a 30 day late payment that was going to be put on my credit report. I have tried to fix the problem with the company because it was not my fault but they have not removed it for me.
Product: Credit card

I implore you to take swift measures to eliminate the unauthorized accounts from my credit report, as they were not approved by me and are causing substantial distress.
Product: Credit reporting or other personal consumer reports

I don't know what happened in my credit account they gave me a lot of inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

XX/XX/2019 Friday, XXXX XXXX, Michigan ( Chase : XXXX XXXX XXXX ). Amounts of - {$23.00} & - {$80.00} ( XXXX XXXX ) and $ XXXX ( XXXX ). I went to this branch to dispute this amount from my checking account ; it was deducted but not reflected. It shows paid to collector, days later the charge is removed but it has been taken from my account balance. EX : Deposit {$2000.00} XX/XX/XXXX then - {$80.00} removed from the balance the same day, leaving me with {$2000.00}. Not able to get online to see or access account ; no statement mailed.
Product: Credit reporting, credit repair services, or other personal consumer reports

They got the wrong spelling of my name and wrong address and also wrong phone number the correct information that should apppear on my credit report is my name is  XXXX   XXXX   XXXX  and my address is  XXXX    XXXX    XXXX   XXXX   XXXX  maryland  XXXX and my phone number is  XXXX
Product: Credit card or prepaid card

I paid my total balance due on my credit card for XX/XX/XXXX ( the very day the bill arrived ) by phone payment ..by check. the message said your payment has been accepted amount XXXX. On the next bill arriving XX/XX/XXXX I was charge a XXXX fee for the balance not paid and non payment fee. so the XXXX. XXXX was added to the new charges for XX/XX/XXXX. I promptly paid the old and new amount complete by check. it is now accepted. I filed a complaint with NJ banking and insurance ( they are referring case to you via S. Case, XXXX XXXX XXXX XXXX ) and was contacted by XXXX Visa by several letters that say nothing. paragraphs about how they are reviewing it and we are not promising any refund of the XXXX. Point is I had no idea visa didnt get payment or if it is even true. they had 17 days to inform me the payment did not go through before the XX/XX/XXXX due date. I could have sent the payment again. I found out of the fee on the next bill 28 days later. I am saying that they found with the big stock market crash late XXXX the best way to charge up lots of revenue for the end of year impose fraudulent fees on customers to balance out. I am sure it is that and I will not pay the fee, but many will. This need investigation.
Product: Debt collection

Hi, XXXX XXXX obtained a default judgment against me in the State of Texas after the statute of limitations had expired. The statute of limitations for a creditor to sue you in Texas is 4 years from the time you defaulted on the debt. I 've asked XXXX XXXX to provide me with the date and amount of the last two payments on the original Citibank account and they refuse to. I have contacted Citibank the original creditor and they refuse to provide me with this information even though I know they have it. In addition, the original amount listed on the judgment paperwork is different from the amount listed on a credit report from 2013. Please help!!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit card or prepaid card

I have been a loyal customer of chase for the last few years, and without a blemish on my account. Unbeknownst to me, due to lack of focus and judgement, I inadvertently scheduled automatic payment to an inactive account that caused me to missed two payments I wasn't aware of this matter until I checked my account and found out about the missing payments, which I immediately scheduled for payment at the end of this week. 


I am a XXXX making over 300k a year, and certainly can make this payment without a problem. It was a mistake and I ask that you exercise good will and erasing this delinquency from my credit record. My credit score is vital in securing a loan at a lower rate. 

I thank you in advance for your consideration. 

Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX, 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 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 in those accounts to be removed.

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. 


XXXX XXXX XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have been trying to wrap up a HAFA short sale for well over a year and Wells Fargo does not want me to do a short sale. Everytime I get to the finish line, they change short sale negotiators and I have to start the process over. I have been through XXXX Negotiators. I am at my wits end. Now we have a Liquidation department disregarding us. We need HAFA funds to relocate. We have a viable buyer. In fact we have had XXXX viable buyers who increased the sales price when the value increased due to different negotiators changing. We have children in school and I wanted to try to relocate this summer so that I would n't disrupt their school. I have missed out on decent housing because the short sale negotiators keep changing. Just recently, the negotiator made us resign a contract in front of a notary and had the buyer make other concessions. We adhered. We could n't do it right away when our Realtor contacted us because we had to take our oldest son off to college. He has a full scholarship and we accepted into a special summer program. It 's not easy selling our home because we do have major water damage and we have n't been able to remodel it. At least with a short sale in a year or 2, we can buy again. If we have a foreclosure or a deed in lieu, we will be prejudiced for 7 years. I am losing my mind from this. While we were waiting for a final approval, the negotiator sent their attorney notice to reset a foreclosure sale date. We just received it in the mail today. This has been a God awful experience. Now, they are forcing us back into bankruptcy. My neighbor works for the banks and told me when they start doing this, its because they want to collect the mortgage insurance claim instead of working with the homeowner. We really need help. We had a bad pickapay loan from the beginning. We want the same opportunities extended to all the other homeowners. We did everything required of us and the buyer has funds to buy this property. We really need to relocate to get back on our feet. We want to be able to get our family situated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is enabling identity fraud. I am a victim of Identity Theft and somehow equifax keeps verifying fraudulent items on my credit report. Equifax is not adhering to section 605 and blocking the information from my credit report. This is defamation of character and the enablement of identity fraud. I have sent all the required documentation to Equifax : FTC affidavit, ID, and the accounts that are frauduluent. The fraudulent items on my credit report are XXXX XXXX and US Dept of Treasury XXXX
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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX 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 Account Number : XXXX and 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.
Product: Credit reporting or other personal consumer reports

ALL CURRENT ADDRESSES AND PHONE NUMBERS ARE INCORRECT IN ALL CREDIT BUARUS - remove them and replace them with the XXXX XXXX XXXX correct phone number below. 
I have never lived at reported addresses. The ones I have listed below are accurate and real time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  correct phone number : XXXX
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX is the investor on my mortgage note and they are unwilling to provide the assistance that other investors do for their customers. This institution received bailout money from Washington to work with customers on the terms and conditions and helping with different programs. They never once did one thing and when contacting them they take no responsibility for their requirements and point you back to the Servicer whose hands are tied tightly. Ive been dealing with this XXXX since 2008.
Product: Money transfer, virtual currency, or money service

I made a Coinbase purchase on XX/XX/XXXX for {$200.00} in BTC. My bank account was debited that value ( plus an unexpected {$2.00} ATM charge by Coinbase ) on XX/XX/XXXX. My bank account has been charged AGAIN for that amount ( {$200.00} ) on XX/XX/XXXX without my consent. 
I additionally purchased XXXX on XX/XX/XXXX ( {$110.00} ) & XX/XX/XXXX ( {$150.00} ). Those have not double charged but I expect them to due to the negligence on Coinbase 's part. 

I expect to be paid back my {$200.00} PLUS any additional costs that may be incurred against the XXXX  purchases. Additionally, I expect to be compensated for the error. 

Coinbase is unresponsive in email and phone.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding these fraudulent accounts, and following this submission, XXXX and XXXX have removed these accounts from their records.I have also directly contacted the companies associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I sent a wire transfer from Ally Bank on XX/XX/XXXX and as of XX/XX/XXXX it is still not delivered, and the money is stuck in limbo with no explanation of when the money will arrive. I've made numerous phone calls every day to the bank who simply say it's in processing. All of their materials indicate there is a same-day weekday transfer of wires. They have only said that they are very short staffed and have too many wires to process. 

The bank is holding $ XXXX of my money with no explanation of when it will be delivered. I am currently in the middle of a car purchase transaction and I've never seen a wire take this long. Ally Bank has completely failed in their fiduciary responsibilities to me. They are still holding the money and won't provide any more information.
Product: Debt collection

I called XXXX XXXX XXXX, my dentist office, on XX/XX/year> because I got a message in the mail saying I owed more money. I called my insurance, XXXX who said I didn't owe any money and it was a mistake. XXXX said they would get it fixed with the dentist office. It says I owe {$500.00}, but I was told I didn't owe anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Experian and XXXX to provide me the Date of First Delinquency with the original creditor because it was not provided and for Experian and XXXX to please provide this requested information and In the event that they can not verify the details and/ or provide the requested information, kindly remove these damaging accounts from my credit report. If you can verify the information you have listed as accurate, please provide the name of the person supplying this date as well as the manner in which it was provided in order that I may pursue additional remedies. Experian and XXXX  just updated or modified the information and did not provide me with the requested information. Experian and XXXX  are in violation of the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) and for knowing violations of the Act. 
Experian and XXXX failed to provide me the requested documents and in violation of the Fair Credit Reporting Act Section 621 ( a ) ( 2 )  and for knowing violations of the Act.
Product: Debt collection

Creditor supposedly owns debt in consumers name. Consumer debt XXXX XXXX a debt Verification letter via USPS certified mail with return receipt which was received by XXXX on XX/XX/XXXX at XXXX at address : XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX See attachment, company has not yet verified debt per FDCPA per consumer request. 

Consumer received email from supposed representative of XXXX XXXX by the name of XXXX XXXX XXXX XXXX on XX/XX/XXXX also see attached email. 

Velocity Recovery is in violation of FDCPA by still attempting to collect on a dispute debt that has yet to be validated.
Product: Credit card or prepaid card

I check my credit score a few times a week. Only have XXXX credit cards ( XXXX and XXXX ). And make my payments every month. Then I saw comenity capital bank/bed ; I googled it and it was for bed bath and beyond which is not even in our town. I closed the account through credit karma. However there is still a balance and damage to my credit score. Im going to try and call them and see if I can pay it, and find out how this happened. But i want this to not happen again.
Product: Debt collection

This company isn't following the FCRA laws and regulations, I've sent all the proper documents in to get this account taken off my profile and it hasn't been taken care of as of yet. I'm reaching out to you guys to help me with this matter at hand. Ive reached out to the XXXX and it wasn't resolved. The information being reported is very inaccurate, I let them know that I've been a victim and I have been taken advantage of, with all the proper paperwork. They never had any type of communication with me at all. So many violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted EQuifax trying to remove hard inquiries off my credit report from XX/XX/XXXX to XX/XX/XXXX and they said they could not help me with it .I contacted the companies by letter because they have no numbers and they said they could not find my information in the system and for me to contact XXXX  to remove the inquiries and they said they is no way they could they just will have to stay on my report so I didn't get help on either end ... 

.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$150.00} XXXX XXXX Balance Owed : {$710.00}