23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Cash App is the company that I was and costumer with. On XX/XX/XXXX, I went to open my account because a friend of mine wanted to send me some money as and XXXX XXXX XXXX. However they couldnt because Cash App had abruptly without notice closed my account. When I called the customer hotline they stated that it was some suspicious activity on the account and that it was under investigation. Being as though Im a victim of identity theft, I was pleased to hear that. Also I informed them of what my last transaction was and the cost, that my account is used very often add if they could please provide me with proof of the suspicious activity they were referring too. Nonetheless they stated that it was under investigation and they would contact me through email when it was resolved. However still to date XX/XX/XXXX, I have not received any response in an email regarding the claim of investigation to this unethical account closure.
Product: Checking or savings account

JP Morgan Chase closed all of my accounts, checking, savings, and brokerage, including my wife 's checking and savings account, and my XXXX child 's XXXX XXXX account. This took place in the past year. 

They did not provide me any reason for closure
Product: Debt collection

I have received a collection letter from a collection company demanding payment of {$39000.00} in conjunction with an alleged student loan that is not and was not mine. The date of origination of this alleged loan is XX/XX/XXXX, and the alleged date of default is XX/XX/XXXX. This is perhaps the tenth collections company over the past six or more years that has contacted me about this and each time I have advised that this is not my debt. Each company goes on to sell the alleged debt to another company. I'm tired of this. This most recent company threatens to report me to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to notify CFPB and Credit bureaus my rights as a private woman and consumer is being violated. Upon reviewing credit reports I see Account name : XXXX XXXX ACCOUNT # XXXX under 15 us 1681a ( d ) ( 2 ) ( A ) ( ill ) The Credit Bureaus and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX is breaking the law furnishing to my credit reports without my consent the law clearly states - I the consumer must be granted the opportunity to deny any information being communicated on my consumer report '' AND any and all claims MUST be verified with proof before placed on my credit profile- There exist no verified proof nor consent by me, authorizing XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXA on my credit reports ; they must be deleted. **** I HAVE a RIGHT TO PRIVACY AND 100 % ACCURACY on my credit reports. Additionally, All mentioned parties do not have correct information furnished on my credit report pertaining to my legal name and resident address. I really believe this may be a case of mistaken identity and or identity theft.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX Balance Owed : {$18.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

In response to my previous complaint the credit bureau advised that the disputed item is updated. However, they did not delete the disputed item which is over 7 years old. Therefore, please re-investigate and delete the following account as the last payment on this account was made more than 7 years ago : XXXX XXXX XXXX account XXXX Also, Transunion is showing a 30 late payment on XXXX XXXX  account XXXX which is incorrect- I have never missed any payment on this account.
Product: Credit card

My mother passed away and, as her estate executor, I immediately closed her account and paid the outstanding balance in full. She had award points that were converted to dollars and thereby resulted in a credit balance ( {$630.00} ). I have repeatedly asked Chase ( the card issuer ) for this balance to be sent via check, but they have refused to do so. The account is closed, and no further action can be taken on the account, but they claim their policy is to hold those funds for 3 months before returning them to the estate. Today, I received a card statement for the account and that statement says, " If after 6 months the credit balance is {$1.00} or more, then we will refund the credit within 30 days. '' As a XXXX XXXX I know that Chase does not have the right simply to hold other people 's money without interest and they can not simply make up a policy that allows them to hold and use client funds like they are doing in this case. I have spoken to Chase multiple time over the last two months, and they just keep pushing me off. They tell me a manager will call me, but nobody ever has done so. This is absurd, and its bordering on criminal. Imagine if the bank is doing this systemically across all of its issued cards ; this is likely a meaningful source of XXXX cost funding for the bank at customer expense. Its not right ....
Product: Bank account or service

Chase Bank refuses to stop flooding our business mail box with unwanted, non-recyclable paper junk mail. This is despite several written request to stop for the past 2 years, and even filing a complaint with the XXXX in New York XXXX. The mail is addressed generically to " Our Neighbor ''. 

Chase Bank claims on their web site how " green '' and environmentally friendly they are. What a joke! Just another hypocritical big bank that floods the XXXX with unwanted junk mail while their management makes off with millions. " Green '' - Yeah Right!
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$130.00} XXXX XXXX XXXX  Balance Owed : {$1100.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/
Product: Credit reporting or other personal consumer reports

Fraud alert on file Collection accounts XXXX XXXX XXXX XXXX Late accounts XXXX XXXX XXXX ( paid in full not late ) XXXX ( paid in full / total loss vehicle ) XXXX ( late payment and account ) prior account was paid in full Charge off account XXXX XXXX  XXXX XXXX XXXX  Hard credit inquiries XXXX  XXXX XX/XX/XXXX - come off XX/XX/XXXX XXXX XXXX XX/XX/XXXX - unauthorized XXXX  XXXX XX/XX/XXXX - unauthorized XXXX  XXXX XX/XX/XXXX - unauthorized
Product: Credit reporting, credit repair services, or other personal consumer reports

The only collection on my credit report is a medical debt placed with all three credit bureaus in XX/XX/2022, dropping my score by over 60 points. To my knowledge the debt was not verified. Further the debt is less than {$500.00} and should be deleted. I've disputed the collection twice with Equifax in the month with the same result : the debt remains.
Product: Credit card or prepaid card

The Bank of America Premium Rewards credit card advertises a {$100.00} per year airline incidental credit. They do not make clear, even in the fine print ( " terms & conditions '' ) that the credit does not apply to all domestic airlines. I spent {$110.00} on incidental ( seat assignment ) fees on XXXX XXXX XXXX on XX/XX/19 using my Bank of America Premium Rewards card in the expectation that the incidental credit would apply. Bank of America now says it does not, and that the credit only covers certain airlines that do not include XXXX XXXX, so Bank of America will not credit me the {$100.00}. But their terms & conditions and program rules nowhere name the airlines that are covered, and imply that all domestic airlines are.
Product: Credit reporting or other personal consumer reports

These are not mine. Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I PAID {$15000.00} TOWARD MY USAA CREDIT CARD ON XX/XX/2022 AND {$3000.00} MORE ON XX/XX/2022 TO PAY MY CREDIT CARD BALANCE IN FULL. MY USAA CREDIT CARD BALANCE WAS COMPLETELY PAID OFF. $ XXXX BALANCE. {$0.00} BALANCE. 
i HAVE FILED A DISPUTE WITH XXXX XXXX CREDIT BUREAUS XXXX SIX TIMES SINCE XX/XX/2022 PAYMENT. USAA REPORTS BACK EACH TIME THAT MY BALANCE IS STILL {$18000.00} AND NO PAYMENTS WERE MADE. NOW USAA IS REPORTING BALANCE IS UNAVABLE. IN ADDITION, EACH OF MY PAYMENTS WERE HELD FOR FIVE ( 5 ) DAYS WITHOUT TELLING ME.!! I SPOKE TO USAA MANAGEMENT RESULATION TEAM AND THEY TOLD ME THEY " CAN NOT FIX THEIR CREDIT REPORTING SYSTEM ''. VERY UNPROFESSIONAL CREDIT CARD WHICH MUST BE REPORTED AND FIXED ASAP PLEASE.
Product: Money transfer, virtual currency, or money service

I invested money and bought stocks as well as bitcoin through XXXX, on XX/XX/XXXX I woke up to several emails saying my stocks had been sold and the money had been deposited into an account I did not recognize. When I tried to open the app my password and pin had been changed and I no longer had access to it. It took over two hours on hold before getting someone on the phone. I was then told the cashapp " investigating team '' would send an email to follow up. After waiting 3 weeks I called back and waited another 3 hours to speak to someone. When I did finally receive an email from them it took another 2 weeks of them " investigating '' before they proposed a solution. I was told they would credit the money back to my account - an account they were told repeatedly had been hacked. They asked I make a new account and send the username to them so they money can be credited back to me. I have now been waiting since XX/XX/XXXX for this credit. I have emailed the " support '' team about 5 times now and have not gotten any response from anyone. I have tried calling them numerous times and the automated voicemail either hangs up itself or tells you no one is available to take your call then hangs up. I tried contacting them to get the matter resolved through their chat option but apparently the " advocate '' is now crying in a corner because I called him useless- his solution was to email their " support '' team... given I have already emailed them 5 times and have gotten no response I think my description was pretty accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had multiple credit lines open through Affirm to build my credit and pay off things over the last year. I've been working with a mortgage loan processor with my credit, and she is stating that my on time, paid off, and current payments are not being reported to the credit bureau by Affirm, except one of them which was for my XXXX My other 4 were not reported. 

When I called Affirm today on XX/XX/XXXX to try to resolve this and get an explanation, all they told me was Affirm is not obligated to report everything to the credit bureau. I asked for reasoning behind not reporting my on-time payments since XX/XX/XXXX, and she stated, " because we are not obligated to ''. I've worked very hard on making my payments on time in an attempt to build my credit, all for her to tell me they're not obligated to report my good status. 

I want my on-time payments for all of my accounts on Affirm to be reported to the credit bureau XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair credit Reporting Act. This list if accounts have violated my federally protected consumer rights. 
Inquiries below have violated my rights XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Accounts below have violated my rights XXXX XXXX account number XXXX XXXX amount XXXX XXXX XXXX XXXX account number XXXX XX/XX/XXXX amount XXXX XXXX XXXX account number XXXX XX/XX/XXXX amount XXXX XXXX XXXX account XXXX XX/XX/XXXX amount XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX AMOUNT XXXX 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 SECTION 602 A Section 2 it also states a consumer reporting agency can not furnish an account without written consent.
Product: Credit reporting or other personal consumer reports

I've sent Mutiple letters asking Experian to verify account that they say I suppose to own, which I have no knowledge of this account. They have not responded to recent letter and now falls under a host of violations that I would demand payment for.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit unions TransUnion, XXXX XXXX XXXX are all reporting inaccuracies onto my credit reports regarding my personal information. According to 15 USC 6802 my personal information is not to be provided to the public without my consent. I HAVE NOT given consent for any of my personal information to be released let aline for inaccurate personal information to be released. The incorrect Information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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
Product: Credit reporting or other personal consumer reports

There were many applications I completed and was denied jobs and housing due to these reports. I did dispute many of them but it did not fix anything ... ..I don't have the dates because there were so many times I tried. That's why now I'm afraid to look for a house and anything else because I'm sure I'll be denied from this happening.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX MS XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXXXXXX 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1861 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 hem of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 16816-2 ( A ) ( a ) A person shail not furnish any information rolating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to information is inaccurate. 

Delete these hard inquiries accounts below XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : Formal Dispute of Experians Failure to Properly Investigate Disputed Information To Whom It May Concern, I am filing a formal dispute regarding Experians mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Experians handling of consumer disputes, which are directly relevant to my experience.

I previously disputed the following information on my Experian credit. 
Disputed Issue : incorrect late payment, inaccurate balance, unverifiable account Despite submitting evidence to support my dispute, Experian failed to conduct a proper investigation. Specifically : Sham Investigations : Experian failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided. 
Failure to Provide Investigation Results : The response I received from Experian was vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision. 
Potential Improper Reinsertion of Inaccurate Information : I am concerned that Experian may have improperly reinserted information I previously disputed and believed to be corrected.

Experians actions appear to violate the following : FCRA 1681i ( a ) : Failure to conduct reasonable investigations of disputed information.

FCRA 1681i ( 5 ) ( B ) : Improper reinsertion of previously deleted information without proper notice.

CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers.

Reinvestigate the Disputed Information : Conduct a proper and thorough investigation of the disputed account and provide detailed results of your findings. 
Remove Inaccurate or Unverifiable Information : If Experian or the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately. 
Provide Investigation Details : Share all documentation you used to verify the disputed account, including records from the data furnisher.

Ensure Compliance with the Law : Prevent improper reinsertion of any previously disputed or deleted information.

If Experian can not provide adequate documentation or results of a legitimate investigation, I will escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the FCRA and CFPA. 
I look forward to receiving a response within 30 days, as required under the FCRA.
Product: Checking or savings account

I have just closed a Certificate of Deposit that I opened in XXXX ; which matured XX/XX/XXXX. The issue is that I did not select to have any withholding of the earned interest, yet there was a fourth of the expected earnings held. Though I told the company that I am certain that I did not choose to have any withholding, they are saying that I checked the box. The opening of the account was entirely online and I have no hard copy to prove that I did not ask for any withholding. ( I asked them to release to me all of earnings on the CD Immediately. I need these funds for specific purpose of helping grand child pay university fees! ) I believe that this should be investigated to see how many others have disputes with the company declaring that the withholding of any earnings was not requested. Now, they get to use my earned funds to sit in an account for a year before they " supposedly '' turn it over to IRS for XXXX! Which to me this is fraud! I asked them to send me the remainder of my earnings and they say they can not because they sent it to IRS. That is a total lie as it is not due to be reported until the end of XXXX!
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT HAS BEEN PAID IN FULL ITS SHOWING ON MY CREDIT REPORT AS DEROGATORY I HAVE THE TITLE AS WELL AS THE LEVY REMOVED DOCUMENTS SWORN OATH NOTRIZED
Product: Credit reporting, credit repair services, or other personal consumer reports

It is very upsetting that wells fargo took a credit card application from me and then claimed they could not verify my identification number. 
This is a lie! 
I put in my social security number and have plenty of credit. 
They need to approve this application and stop this inaccurate reason to bait and switch on me to see my credit and have a reason to SELL my information. 
None of my information will be sold ~ I started receiving solicitor calls and emails after this application. This is very shady.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, XXXX I was wired XXXX from my Chase account to XXXX XXXX XXXX for a new investment account. Our email correspondence was hacked. I sent my money to XXXX to a XXXX XXXX account in XXXX XXXX. It ended up being wired to a XXXX XXXX Bank in XXXX. On XXXX XXXX, I learned that XXXX never got the money. I learned that XXXX had never sent me that email a hacker had interrupted the email stream. XXXX XXXX called XXXX XXXX because they hold NO accounts at XXXX XXXX. XXXX XXXX confirmed there is no XXXX XXXX XXXX account nor do any of the officers of XXXX XXXX. The wire went to an individual not associated with XXXX. XXXX said that is a violation of anti money laundering laws put in place after XXXX. XXXX XXXX should have kicked the money back from the wire. XXXX XXXX has refused to return the money. I called Chase, FTC, credit companies, XXXX, OCC, and the Texas Banking Commission to help get my money back. Chase initially closed the investigation but recently re-opened a global investigation due to a local branch manager. However, Chase will not give me a case number or a number to call to follow up. I have a police case open as well but again have not heard back. XXXX XXXX XXXX is willing to share its findings with any investigator. XXXX also had the FBI look at the hack from their end. I would like XXXX XXXX and Chase to be held responsible for returning my money as they did not do due diligence when the wire was sent. 
Wire To Wire From Wire Amount Wire Date Transaction Number XXXX XXXX XXXX ( ... ) PREMIER PLUS CKG ( ... ) {$50000.00} ( USD ) XXXX/XXXX/XXXX XXXX