23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received an email from Chase Visa, alerting me that my new credit card statement was ready. The email was sent out to me by Chase on XX/XX/XXXX shortly before XXXX XXXX, but my statement was supposedly made available to me on XX/XX/XXXX, I download my statements and examine them to make sure that they are accurate and complete - and I have found errors in statements in the past, despite what Chase would have you believe. 

I tried to do just that, download my statement, and I wasn't able to get onto the bank 's website because the bespoke, 2-factor authentication system they have built for themselves did not work properly. So, I called the only number made available to me by the website, which is not the number I am told to call about my credit card. 

I pay Chase money every year, which supposedly qualifies me for additional benefits ( none of which I seem to ever actually qualify for, and most of which have been taken away over time ). I have one of Chase 's Sapphire Preferred cards. 

I ended up spending over 15 minutes on the phone, talking to two women who work for, Chase, who were completely unable to tell me what had happened. The woman who is supposedly the " tech '' support person working for the company, who was obviously an XXXXXXXX XXXX, was horrendous to work with. She was dismissive and rude, and refused to enter a trouble ticket, despite my telling her that I want to know what happened in the system validation process that caused me to not be able to get to my account quickly, and to have to interact with her in the first place. 

As I noted above, I pay Chase for the use of this card, and Chase also takes the highest fees allowed by VISA to process transactions I make using the card. I think Chase owes me some explanation other than " it's a system, and glitches happen. '' We live in an era of ever mounting ways to be stolen from online, and I want to know what Chase has operating behind the scenes when I log onto their website to complete my banking with the company. I am fed up with banks and shopping sites losing my personally identifiable information, and their employees acting as if it's just not a problem. 

IT IS A HUGE PROBLEM!!!!!!!!!!!!!!! 

I want my government to start to hold banks like Chase to account for these kinds of issues. I want to know what happened today when I tried to get into my account online- an account I use for Chase 's benefit, not mine in reality - and I want a better explanation than " it's a system, sometimes glitches happen. '' Glitches only happen when some system doesn't perform properly, and I should know what the problem was today, at least sufficient for me to understand what system failed to share what information that was needed. 

I want good security on my bank accounts, but I do not want that security to impair my ability to get into those accounts when I want to get into them ; and when such impairment occurs, I expect Chase 's people with whom I have to interact to understand that their airy-fairy explanations do not meet appropriate standards for this customer.
Product: Checking or savings account

For more than a month now I haven't been able to access my online account. Which means I'm not able to see my account balance or my credit account balance, and it also means I can not make a payment to my credit card. Witch will obviously affect my account. 

I tried to reach HSBC on the phone, they transfer me to various departments, and nobody knows how to help me. 

I was asked to send a proof of address, which I was told I would get an answer in 5 business days. Nobody answered me.
Product: Credit reporting or other personal consumer reports

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

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or repair the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021
Product: Checking or savings account

Company and employer XXXX issued a paycheck for {$4900.00} to me and a mobile banking transaction was completed on XX/XX/2023 w/ Fifth Third Bank. Availability of funds were never made available as Fifth Third returned check marked as fraudulent. XXXX was to reissue check but never did. I have not heard from XXXX since the incident, no contact w/ employee, no wages paid for work, and no check reissue. I was a proven loyal, and honest customer to Fifth Third Bank.
Product: Debt collection

I mailed XXXX certified letters requesting validation and never received anything. The collection is still appearing on my credit reports. I even contacted the XXXX office in Minnesota & Washington state. They have ignored my requests and I am asking that this be removed from my all XXXX credit files because of failing to respond since the first of last year.
Product: Mortgage

Back in XXXX I had applied for mortgage assistance and was approved to have the payments that we were behind deferred. The first payment was due in XXXX. I had previously done the payment deferral during covid because it was a hard time. When it was previously done, I could pay it during the month ( of course before the XXXX or it would be considered late ). I was planning on paying the payment on the XXXX. In the beginning of XXXX, I received a notice of default letter. I tried to go online and make the payment for XXXX. It let me but then weeks later ( with no notification ), I received a refund check back in the mail. I don't understand how I could of been approved for the payment deferral and then receive a notice of default. And after that, it was saying I needed to make the payments from XXXX to current and not just XXXX to current. That is not right and should not be allowed to happen. I have since applied for assistance again and am being told my only option is to short sale the home. We've had a tough time and are finally getting back on track, we have plenty of equity on the home and have a large MI monthly payment that could possibly be removed if US Bank was really looking to help homeowners.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Incorrect 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

On XXXX XXXX 2016 my checking account with Santander Bank had a XXXX cent deposit from XXXX. A few days later, XXXX withdrew {$38.00} from my account using a fraudulent draft check. I went to the bank and filed a complaint and signed an affadavit. After repeated calls to customer service I was told to go back to the bank and file an adjustment claim, which I did. Now it is XXXX and I still have not had the money put back in my account.
Product: Mortgage

on my loan with broker solutions, a valid escrow analysis was performed on XX/XX/XXXX refunding over {$4000.00} including over {$130.00} in interest and a new payment of {$2200.00} this was more than sufficient and met any requirements under law. Then on XX/XX/XXXX with no warning or external they decided to perform another escrow analysis which increased my required holdback for property insurance and property taxes of over {$5000.00} mostly on the basis that the statement claimed my property taxes would go up over {$5000.00} next year even though that would violate California state law as property taxes are only allowed to go up a maximum of 2 % annually. 
if this analysis is allowed to remain in effect they would be collecting an excess of {$7000.00} dollars annually for NO good reason and with NO rational basis in simple terms despite their statement my property taxes will be close to XXXX dollars NOT XXXX and my insurance will beXXXX  not XXXX. They have no basis to claim otherwise. this seems very personal and onerous and i can not allow it to stand unchallenged as i am a veteran on social security living on a fixed in come with a now unexpected {$600.00} hole in my budget for NO VALID REASON.
Product: Credit reporting or other personal consumer reports

My background check results were submitted to my employer with a consideration alert for a false criminal allegation of larceny that was dismissed without charge because it never happened. Why is this information being used against me and why was it flagged for consideration. My employment is on the line.
Product: Debt collection

Portfolio Recovery Associates is reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of the attached correspondence. Sending me billing statements DOES NOT constitute validation ; it merely establishes the existence of a debt you bought. Read the attached and govern yourselves accordingly. This is the SECOND ATTEMPT to get Portfolio Recovery Associates to follow procedures. ***Reminder : sending copies of a statement with a name on it does NOT constitute ownership. *** CFPB recently fined this company AGAIN for illicit collection practices, so it is evident my complaint is well-founded and based on established facts.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXX Balance : {$270.00} ; XXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXXXXXX Balance : {$240.00}.
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 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, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Equifax is failing to comply with FCRA laws for wilfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted multiple complaints informing Equifax that I was a victim of identity theft. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account. I submitted the identity theft reports, provided a report circle the fraudulent account. Equifax has claimed the account listed below has been verified and is accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the account blocked/removed : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, XXXX XXXX is reporting on their website a {$12000.00} collection from my Transunion Report but I do not have a collection account of any kind. The student loan and credit card amounts are correct, but XXXX XXXX is publishing inaccurate information about a {$12000.00} collection. Please fix these issue quickly. 

I have attached a PDF copy and highlighted the error. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit card account showed up on equifax, XXXX, and XXXX  at the XXXX XXXX XXXX. Their report showed it was opened on XX/XX/2022 with an address of XXXX XXXX XXXX, XXXX. I told them I do not live there and I don't live there and I didn't open up an acct with XXXX XXXX XXXX. They, the credit report agencies said I had to take it up with the bank to correct. I called the XXXX XXXX XXXX and they haven't done anything. So some one out there has a cc in my name at a fraudulent address and no one wants to do anything.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$150.00} XXXX XXXX XXXX XX/XX/XXXX {$620.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXXXXXX ] [ XXXX ] [ XXXX ] [ XXXX XX/XX/XXXX ] [ EXPERIAN ] [ XXXX ] [ EXPERIAN ] XXXX XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXXXXXX XXXX Dear [ EXPERIAN ] XXXX I am writing to dispute the accuracy of the information related to my personal data that was compromised in the past two data breaches at your company which occurred in XXXX and XXXX. I reached out in XXXX when I initially added a security freeze on my credit report. I noticed inaccurate information and it was removed and now it is back. When your company informed me my information was compromised, you all merged my credit file with my Grandmothers which we lived at the same address and carry the same name and offered free credit monitoring, all inaccurate information was removed. Upon pulling my credit report I found the following inaccuracies we reported back on my credit report and I am disputing the following information : Inaccurate address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TO THE ACTIVE CEASE AND DESIST THIS COMPANY MAY NOT CONTACT ME THROUGH AN MEDIUM WHICH INCLUDES MY CREDIT REPORT. SEEING AS THE COMPANY FAILED TO PROVIDE THE ACCURACY AND VALIDITY OF THIS DEBT WHICH INCLUDES BUT NOT LIMITED TO ALL ORIGINAL DOCUMENMTATION CONTAINING MY SIGNATURE, AMOUT OF DEBT OWED AND SINCE THIS DEBT WAS SOLD TO THEM. I ALSO INQURIED ABOUT THE PRICE AT WHICH THE DEBT WAS SOLD. 

XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PHONE NUMBER ( XXXX ) XXXX I was notified of the data breach on [ XXXX ] and have since taken steps to protect my personal information. However, I am concerned that the breach may have resulted in inaccurate information being reported about me. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information and request that it be corrected. I request that you investigate this matter and correct any inaccurate information related to my personal data. Please provide me with the following : A description of the procedures used to verify the accuracy of the information A copy of the information that was compromised A statement indicating whether any inaccurate information was reported I would appreciate it if you could expedite this matter and correct any inaccurate information as soon as possible. Thank you for your attention to this matter. 
Sincerely, [ XXXX XXXX ]
Product: Checking or savings account

First tech bank has reverse a dispute leaving me in negative - {$650.00} I have sent them proof of the valid dispute and they just dismissed it I tried fixing this problem for months I have pending deposits they already rejected a deposit. I trusted this bank and its causing me so many inconvenience. They have done nothing to help me resolve that issue even if I sent proof to them over and over again. They charged off my account even if there was a dispute investigation going on.
Product: Credit card

Capital One, keeps raising its interest rate. I am going through a dept relief agency to pay off the dept which isx more than {$1600.00}
Product: Debt collection

Alliance collection agency continuously contacts you multiple times per day from unavailable numbers. They also go so far as harassing you while at work even when a company does not allow for personal calls. I attempted to make a payment plan originally for medical expenses that I owed and they refused stating i had to at least pay half of what I owed ( approx {$1800.00} ) and even suggested that I take money out of my XXXX. I explained that I was a single parent with a child under XXXX years old and let them know what I could do for monthly payments. However, this was not good enough and they still tried to take me to court. This company harrasses people until they literally have nothing left financially and will do anything they can to ensure your family is left second to their demands.
Product: Credit card

XX/XX/year> I applied for a credit card and checking account with Truist Bank. I was approved with a {$2500.00} credit card limit and approved for a checking account. After receiving the credit card via U.S. mail I activated it and attempted to use it for gas. It was declined at the gas pump. I called customer service to explain what had occurred at the gas pump and was advised to go in person to the branch for assistance. The next day I went to the location on XXXX XXXX XXXX in XXXXXXXX XXXX  for assistance. I again explained the card issue and that customer service advised me to go inside location branch. She verified my identity and advised she fixed the issue. I again attempted to use card for fuel at the pump and it was declined. I called customer service and spoke with a supervisor. She asked me for verification and advised me she would remove the restriction from card, but I needed to go into branch near me in XXXX XXXXXXXX XXXX. I arrived to location to have card unblocked and close my checking account. After closing my account I went to the teller to withdraw the funds. The teller called the manager to assist him and both continued viewing notes on computer. The branch manager asked me to come in her office to again verify my identity and contact customer service supervisor I previously spoken with. I again was told she would unblock the credit card, but did not comply. Truist Bank failed to perform and breach of contract. They have been soft pulling my credit to obtain and monitor my consumer reports and not honoring the contract agreement.
Product: Debt collection

This was done at the time when I was on XXXX from XXXX XXXX only making XXXX an hour with no insurance and XXXX kids and a husband who could not find work the hospital put me on a " sliding scale '' so it was cheaper supposedly and I qualified for XXXX but they did not help me get on XXXX I applied 3 times for XXXX but it was always on a " pending '' status and then the time ran out and then it came back as declined!!! I was on food stamps for dying out loud but could not get approved for XXXX! I had an XXXX that required me to take care of it other wise I would XXXX the doctor gave me no option she said it was life threatening!! I applied and applied for XXXX but still got denied on low income and single income my family only had me to provide!!! This is not fair to me that I was doing the required steps to get this taken care of and this was at the time XXXX was just rolling out and it ended up messing with my credit and showing as a delinquency! I want this removed from my credit! This was not my fault!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquires Listed Below -XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to send documents to Transunion to a fax number they gave me : XXXX for three days. I have used the resend button on my office fax machine so that it continues trying to send, to no avail. I even walked to XXXX 's to try their fax equipment, as well as my IT department, who said a credit agency 's fax should be set up to accommodate consumers. 
To get through to Transunion, there is usually a wait time of about 45 minutes before you get an agent on the line, who, by the way, is in a call center outside the US. The first time I spoke to one, he said he had a lot of static on the line and could n't hear me. I had to try again and wait yet another 30 minutes. They are very brusque, quite rude in fact, and told me that I must keep trying that fax number because there 's nothing they can do about it. Meanwhile, I have a very time sensitive and expensive situation on my hands. 
I legally changed my name, a very simple change, such as, ( and this is an example, not my real name ) from XXXX to XXXX. The middle initial and surname remain the same. Since I am in the process of purchasing another property, a credit report will be generated but it will have my " old '' name and not the one on my bank accounts, ID or credit cards. Hence the urgency with which I need this handled. 
For XXXX and XXXX it was a breeze ; for XXXX, you simply go to their website and upload the documents and for XXXX you send the paperwork to an email address. Transunion remains in the stone ages -- who uses a fax machine anymore? 
This is shameful and an egregious example of how credit agencies impact our lives -- we are at their mercy, yet when we try to consult with them to rectify things, they fail miserably.