23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Around the first week of XX/XX/XXXX I initiated contact in person with Chase, branch located on XXXX XXXX in XXXX. It is very close to my house. I have several accounts with them. 
I explored my choices on getting a loan and the types of product. 
At the end I was given a contact person and the possibility of two products. Refinance or HELOC. After a lengthy conversation over the phone with the bank representative I chose to apply for the HELOC. 
In the next few days I collected all the documentation they requested from me and took it in person to the branch, and in person gave it to the branch manager who was as always very proper, receptive and polite. 

A few days later I received by mail Chase disclosures on the loan and my rights under federal regulations. Also, someone from Chase left me a message. Her name, XXXX and I called back before XXXX, but she was not available. I left my number. The voice mail did not allow for a message, just a number. 

A couple of days passed, now it is XX/XX/XXXX, morning, I answered since I was in my free period between classes. I work as a XXXX. XXXX explained that she was the person I had to deal with for the loan. And needed me to do the application with over the phone and if I had 10 minutes at least. I explained to her I had already done the phone application over a week ago. She said it needed to be done with her. 
I was mortified that I had to do the application again. To add insult to injury, she recorded some of my responses I guess on the documents she needed. I explained all of those documents were delivered in person at the branch. She claimed she never received them either by fax or email. The minutes were running. As far as I knew the only thing missing was the appraisal which they had to schedule. 
She continue with questions, in a very discourteous manner. She wanted details on why I needed the money, exactly what I planned to do in the house and if I had already a contractor for the work. We hit several uncomfortable topics during this uncalled for interrogatory. Finally she told me that there was already an offer from Chase, at a lower amount. With the need to go back to work I told her all this had been a waste of time. Why not start where she ended and why all the inappropriate type of questions if they had already decided on what to offer me and according to her own words without seeing my documentation and an appraisal of my property. 
I am a long term Chase customer, have a mortgage with them, a checking and saving account as well as 3 credit cards. A Fico of XXXX and 21 years of employment with the same employer, XXXX. At the end this felt as pure and simple discrimination on the part of this division of Chase, or its employee.
Product: Credit reporting or other personal consumer reports

Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to dispute inaccurate information on my credit report formally. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires less I am writing to dispute inaccurate information on my credit report formally. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to reinvestigate disputed items reasonably. 



Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 

Specifically, in a lawsuit against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 



As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 



I hereby request that XXXX : Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ]. 
Provide me with all documentation used to verify the accuracy of the disputed information. 
Correct or delete any information that can not be verified or is inaccurate, as law mandates. 


Given the recent CFPB findings, l expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. 


Suppose XXXX fails to comply with its obligations under the FCRA. In that case, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Checking or savings account

As of XXXX XXXX, Capital One has been experiencing some sort of technical issue that is preventing the bank from releasing scheduled direct deposits. I have been a member of this bank over 5 years and have never had issue of this nature. There have been no uniform updates to customers as to when this will be resolved and this is a 3 day weekend with a bank holiday on Monday. I have no additional income to pull from. The customer service line has over a 2 hour wait and the chat feature on the website is a bot. Consumers deserve better
Product: Credit reporting or other personal consumer reports

I've observed numerous deviations from mandatory reporting standards, leading me to question the accuracy and completeness of the data in my credit report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information on my credit report. 

Pursuant to 15 U.S.C 1681e, consumer reporting agencies are obligated to employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, as outlined in 12 CFR Part 1022 ( Regulation V ), furnishers are required to provide information that is both integral and accurate, conduct reasonable investigations of consumer disputes, and adhere to Metro 2 compliance standards, according to the CRRG.

Deviation from these standards, as emphasized in the CRRG, jeopardizes the integrity of the data, thereby compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Disregarding my demand would signify a lack of concern for my consumer rights. 

It is unjust for you to report information that hasn't been verified for ethical standards and certified reporting compliance. I reiterate my challenge to these claims and request evidence of adherence to proper reporting standards. 

Your actions infringe upon my rights, and I've outlined these concerns in this document. The incomplete and non-compliant nature of your reporting fails to meet my standards in accordance with the law. I insist that you certify all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. 

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

There is a FRAUDULENT item ( XXXX XXXX XXXX XXXX ) and an UNAUTHORIZED/FRAUDULENT inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ) on my credit report. I do not have any idea regarding this fraudulent account on my credit report. I am not the one who initiated these inquiries. I am submitting a complaint regarding this inquiries and for assistance to REMOVE it from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX Account Number : XXXX If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - Promptly, delete that item of information from the file of the consumer, or modify that item of information as appropriate, based of the reinvestigation.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to notify you of your legal obligation to adhere to the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. I am disputing the accuracy of the following account that has been reported on my credit report : Account Information : Account Name : SELF FINANCIAL/LEAD BA Account # : XXXX Account Status : Closed Balance : {$4600.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX I believe this account is fraudulent and was opened as part of an identity theft incident, following my personal data exposure in the XXXX XXXX data breach. I have never opened or authorized this account. Under the FCRA, you are required to ensure the maximum possible accuracy of the information you report. Furthermore, the Metro 2 standard, developed by the Consumer Data Industry Association ( CDIA ), mandates consistent and accurate reporting of all credit information. The reporting of this account is not compliant with these requirements as it was neither validated nor verified. 
Request for Action : I am formally requesting : 1. Immediate removal of this account from my credit report across all major credit bureaus, including XXXX, XXXX, XXXX, and XXXX. 
According to the FCRA ( 15 U.S. Code 1681i ), you are required to verify the accuracy of disputed information within 30 days of receiving a dispute. Failure to verify or correct the information requires that the account be deleted from my credit report. 
If this matter is not resolved promptly and the fraudulent account is not removed as required, I reserve the right to take legal action under the FCRA to protect my rights. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received notification during XX/XX/ from the credit bureaus that a company called Transworld Systems was listed on my credit report for a collection debt in the amount of {$930.00}. The original creditor is XXXX XXXX. 

Someone has created a fradulent utility account under my name. This account does not belong to me. I have been a victim of identity theft. 

This utility debt is associated with an account in XXXX, TX. I have lived in the state of Louisiana for over 20 years. 

I have filed a police report and will provide supporting documentation to show my proof of residence over the last year. 

Also, I have filed a dispute with XXXX XXXX. 

Please remove this collection debt from my credit report.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these itemsin line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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
Product: Credit card or prepaid card

in XXXX I was looking for a moving company to move my sister 's storages our of XXXX, Colorado to XXXX NC. I found XXXX XXXX and after speaking to XXXX who was their contact, he convinced me they would give us the best rates If we signed agreements ealy -move was not until XX/XX/XXXX. ) So I paid him deposits upfront and then just waited till few days before move when XXXX contacted me and asked for {$1500.00} more money and said it would be added toward total moving costs of {$5000.00}. So I paid then on day of move when my sister was at storage a truck shows up and says they are XXXXXXXX XXXX from New Jersey. And they demanded {$3200.00} or they would not load truck. Said they were not a part of XXXX and that they were just brokers. We were neve told this. I looked and saw dozens of complaints on their fraud on XXXX website and sent them to Citi dispute center. They just seemed to ignore what frauds this company is. I paid them thousands more yet only asked for part back. I am writing Attorney General of Florida- they should be shut down. The new moving company then demanded another {$3000.00} to deliver it so I spend {$10000.00} instead of {$5000.00}. Ask XXXX why we were not told who would be moving us. I could have gone to them directly and not paid XXXX {$3000.00} for nothing. They hold you XXXX because they have your money and its too late to cancel the day of move when you realize they are cons. The charge date was beginning of XXXX XXXX XXXX  for last {$1500.00}.
Product: Payday loan, title loan, or personal loan

I signed up for PayPal Credit and was approved for a {$3500.00} line of credit. I attempted to use this line of credit and was denied on every attempt. I called and submitted additional identity verification and was told everything would now work fine, it again did not work.
Product: Checking or savings account

I am writing to file a formal complaint against Chase Bank regarding the handling of my business account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the process they have implemented for resolving an issue related to a refund check of {$170000.00} USD. 

In XX/XX/XXXX, I opened a business account with Chase for XXXX XXXX XXXX A few months later, Chase unilaterally closed this account, leaving a balance of {$170000.00} USD. On XX/XX/XXXX, Chase issued a check for the remaining balance and sent it to my previous address at XXXXXXXX XXXX XXXX XXXX XXXX XXXX. As I had moved and no longer lived at that address, the check was returned to Chase and was subsequently destroyed by them. 

In XX/XX/XXXX, I contacted Chase to request that the check be reissued and mailed to my new address at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Chase agreed to this request and stated they would issue a new check. However, in XX/XX/XXXX, upon following up, Chase informed me that in order to have the check reissued, I must provide a written statement declaring I had not received the original check and personally visit a branch to process this request. 

I find this requirement to be unreasonable and a significant inconvenience. It is clear that the mistake of sending the check to an incorrect address was on Chase 's part, yet I am the one being inconvenienced by having to take additional steps to rectify Chase 's error. This situation has not only caused unnecessary stress and frustration but has also delayed my access to funds that are rightfully mine. 

I am seeking the assistance of the Consumer Financial Protection Bureau to intervene in this matter. I request that Chase be directed to expedite the reissuance of my check to the correct address without imposing further unreasonable demands on me. The requirement to physically visit a branch and submit a declaration of non-receipt adds needless complexity and delay to the resolution of this issue. 

Your attention to this matter and assistance in reaching a satisfactory resolution would be greatly appreciated. I look forward to your prompt response and support in resolving this issue with Chase Bank.
Product: Debt collection

I have been XXXX most of my life and never went to college. At some point, my identity was stolen and used for several different accounts. I recently received a copy of my credit reports, and I have open debt with Navient for {$19000.00}. I have mo knowledge of the debt since I have never taken out any student loans. I have attached a copy of Police report and included my Identity Theft Report # from the FTC : XXXX
Product: Checking or savings account

Ok I got my tax refund sent to chime which was like {$45000.00} before taxes ok chime received it and it was put into my account but a couple days after tht chime closed my account I had been with chime for like 9yrs but they closed my account for some apparent reason, well like I said I had my refund check in my chime account like {$28000.00} so they informed me tht they wud be sending me a account closure check for my remaining money left in the account tut was like maybe $ XXXX XXXX dollars ok tht was way in XXXX they informed me tht my check wud reach me in XXXX days and I haven't received not nothin but they telling me tht they mailed the check already well they told me tht they wud be sending me another check then they emailed me again and telling me tht they cud not send me a check but wait I thought they had already sent me a check and I'm not understand why they are trying yo keep my money It was a refund check I emailed them all myrefund information and everything came back with no problems irs clean everything clean and everything was verified this has been a not so good 2mths I'm about to loose e verything I ever owned because of this thts my hard earn money tht I deserve why is chime trying to steal it from me I haven't received not a XXXX from them I have bills and kids send other things igotts take care of why are they doing this to me can someone please help me out please I don't know wat yo do because thts my hard earn money and they are stealing it from me I'm in tears because I trusted them for 9yrs and now all of a sudden they stealing my money please help..XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  thank you and have a blessed day please help
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, Moneygram discriminated against me when I attempted to send {$200.00} USD to my uncle in the XXXX XXXX, XXXX XXXX. My uncle is a XXXX XXXX in XXXX and since the pandemic he has not been able to work. I was sending funds to help my relative. I sent the funds online and I received a XXXX XXXX. XXXX. I reached out to my uncle to collect the money. However, I received notice that my account was closed down. I called Money Gram for an explanation and they could not provide a valid reason for closing my account. The agent on the phone insinuated that I did not know the receiver. I told her multiple times that I knew the receiver. The agent was unhelpful and I am not satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquiries from capital one bank and capitol one auto that I didnt authorize.When I called the caller XXXX was very rude and wouldnt help me at all.
Product: Credit reporting or other personal consumer reports

I had an inquiry on my credit report that showed in the fall approx XXXX from XXXX XXXX and XXXX XXXX. I called them and they said since i did not live in Texas or any state they do business in that it was obviously an error and I should not be concerned. XXXX I received an alert from XXXX of a delinquent account and I contacted the XXXX XXXX XXXX XXXX to XXXX XXXX. She asked me to submit in writing or email the dispute. I did but have not heard anything else. At this time I put in Dispute with Experian and froze my three credit bureaus and ( XXXX I filed a dispute the following week ) Today I was alerted that Experian verified the account as correct and it is absolutely not! 
According to my report it was originally for {XXXXXXXX and now is up to XXXX 
I have had outstanding credit for many years and I would not risk my credit for this tiny amount of monies. I have worked hard for my credit! Experian needs to fix this. XXXX  XXXX needs to fix this. If Sun loan is doing people 's loans and taxes they should be more diligent in who they give money to and verify the persons identity!!! 
I also contacted XXXX XXXX  again today.
Product: Credit reporting or other personal consumer reports

It's been unauthored information reported on my credit report I reach out to the companies and credit bureaus that failed to verify the information by providing documents requested of my signed name on the documentation that authored my social security number to be used they also failed to remove the information. Please see the attached documentation that was also sent to the creditor and credit bureau that they failed to response. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. Please See Attached Documentation 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 ) 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
1. Names : The names 1, Incorrect Name XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 2, My correct name is as mentioned above 2. Addresses : The addresses 1, Incorrect Address XXXX XXXX XXXXXXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX, SC XXXX My correct address is as mentioned above. 
3. Phone Numbers : 1, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX 2, My correct phone number is ( XXXX ) XXXX 4. Employers : The employers 1, Incorrect Employer XXXX XXXX XXXXXXXX listed in my report are incorrect. 
5. Incorrect Account : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, AL XXXX Account # XXXX XXXXXXXX
Product: Credit reporting

I have filed disputes with all XXXX credit bureaus. The last time I disputed the results were sold to XXXX. 
XXXX accounts with XXXX with the acct. number XXXX XXXX account with OK STUDENT LOAN AUTHORITY w/account number XXXX as a paid collection which is also reporting incorrectly.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX I AM SUBMMTING THIS COMPLAINT ON THE BEHALF OF MYSELF THERE IS NO OTHER COMAPNY DISUPUTING ON MY BEHALF PLEASE DO NOT SEND ME AN AUTOMATED MESSAGE! ALL DOCUMENTS WILL BE INCLUDED I did not give expressed written consent to or authorize any third-party consumer reporting agency to furnish data on the following accounts I have the right to privacy, please be reminded, no consent is identity theft : XXXX XXXX Please promptly remove this data within 4 business days pursuant to 15 USC 1681-C-2 to avoid any further legal proceedings. Thank you for your timely compliance