23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I am a XXXX woman XXXX XXXX on XXXX XXXX doing business as a XXXX XXXX in NY state. On XX/XX/2020 It was requested from XXXX XXXX a price quote from XXXX XXXX for XXXXXXXX per case quantity. I received a quote # XXXX with pricing and availability. On the price quote paperwork the product was to be shipped to the XXXX  DEP in XXXX, NY. On XX/XX/XXXX I received a invoice from XXXX and immediately saw a charge of 3 times the amount of the order placed. Upon calling XXXX company I was told I could only speak with the owner who was on vacation. During this entire week the only communication was an emailed me to saying invoice and product delivered was accurate. On XX/XX/XXXX on behalf of the XXXX-DEP I returned the cases of XXXX via XXXX. Since that time I have been trying to recover my refund on the credit card thru Chase Bank. They have been unhelpful stating XXXX company states they no not accept returns and also stated XXXX is also a chase merchant and it is a conflict. I was also told too much time has passed and they can not force XXXX to refund my money. I have been in constant back and forth since this has happened on XX/XX/XXXX. At no time did XXXX state a no return policy to me in writing or verbally. I have documents to support my claim. XXXX received the return of lubricators and want to keep the money I paid as well. This is unfair and unreasonable. They received their product back and the money that was originally paid. I was overcharged for a product by over sending the amount ordered. The XXXX-DEP would not accept this error. The buyer at the DEP-XXXX  water treatment plant asked me to pick up and return. The order was refused and the DEP omitted the payment on purchase order to XXXX XXXX XXXX. 
I did not get paid on this order but paid to have this order sent and returned and now told chase can not help with this dispute. 

Please help me resolve this issue. I have attached the dispute paperwork for your review. 
I do appreciate you attention on this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am writing to contest and to dispute the inaccurate reporting of an account on my credit report. Upon contacting the respective company, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the account would be promptly updated. 
Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. 

XXXX and XXXX have already corrected the inaccuracy of the account from my report and so I request that you take immediate action to update this erroneous account. A written confirmation of its correction would be greatly appreciated. 

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

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX XXXX XXXX Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED NINE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES.
Product: Debt collection

I received a collection account notification on my credit reports for Credence Rm 11 XXXX XXXX for {$270.00} in which I do not awe. I have never done business with them and am currently doing business with XXXX and they have advised that I do not have an outstanding balance with them.
Product: Credit reporting or other personal consumer reports

XX/XX/year> an AUD # XXXX was submitted to this credit reporting agecy to correct an error on payment history for my XXXX XXXX Acct and was not properly resolved. 

Additionally, I filed a dispute directly with the agency and referenced the AUD they recieved and still did not correct the error. 

The lack of responsiveness, attention to detail, and failiure to process a required XXXX  is troubling to say the least. 

I expect the XXXX to rectify the issue without any further requirements on my end.
Product: Money transfer, virtual currency, or money service

Ria money transfer has closed my account and are arrogantly responding to my XXXX  complaint and telling me to go to court and other stuffs. The issue is without any acceptable reasoning they have closed the account and are not extending the services and to make it worse they also are denying to remove my financial information from their systems. They are unnecessary making such harassments for no reason. If not sorted via this complaint surely will challenge them in court and compel them to provide a reason for causing such extreme inconvenience that too without any misconduct from the customer 's end still.
Product: Checking or savings account

TransferWise blocked the XXXX CONSULTING AND SERIVICES account after a received transfer of about XXXX XXXX without any reason or explanation. There is NO ACCESS to the account nor the balances and they did not responded back yet. The money received is for a PREPAID service we need to deliver in part to some vendors and the operation has been unable to be paid
Product: Checking or savings account

Bank of America has really become the all time worst bank in history! More returned funds have been done foolishly - and haphazardly - causing so many financial problems.and ironically, deposits- as in this case- were made within 48 hours to bring the account current! 
Bank of America lies ALL the time and pretends like they honor customer longevity but THEY DO NOT. 
They dont even allow debit card transactions to approve if the transaction is only one cent over an account balance! Ironically, they have a section that alludes to bank discretion- but it NEVER occurs. 
Not to mention, if Bank of America had any type of sophisticated financial computer system they would calculate the logistics of an individuals account management and would do much better -toward reversal on their horrible customer service reputation! 
AGAIN they have sent back my insurance premium to XXXX XXXX ( {$99.00} / XX/XX/2024 ) - causing me to lapse my insurance coverage - which Bank of America doesnt care.and a deposit was made ON THE SAME DAY to offset my balance! 
This has to stop or the CFPB, FDIC, FTC, SEC. and all other financial services must lodge a class action lawsuit against Bank of America!
Product: Credit card

I am a victim of identity theft and someone stole my personal information and identity to open up a credit card account with Synovus First Digital. The Synovus First Digital credit card account is a fraudulent account, not my account and is the result of identity theft. I have never applied for an account with with Synovus First Digital. Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Have contacted the companys with the following account numbers and have failed to provide singntures of both mine and theirs which proves I dont have a contract with them they can not provide a contract so the following accounts must be removed and deleted from my credit report. Acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX.
Product: Checking or savings account

I opened my chase checking and savings account on XX/XX/XXXX. I submitted a XXXX in cash ( XXXX in checking and XXXX in savings ) along with a Tax Refund check from the department of Treasury for late XXXX XXXX refunds issued to me and my husband ( totaling to the amount of {$13.00}, XXXX XXXX. Chase then withheld these funds to verify the check and was completed two weeks later. I verifeid from the treasury website that the federal goverenment has paid Chase bank for the funds. Two weeks later Chase closes my account and returns all of my cash deposits but not my treasury check amount. It is still suspended on their end because they want to verify the fund. My husband and I went to the chase branch 3 times to clear up any misunderstandings and uploaded all the required documents that were requested from the deposit review team and were always told that the documents did not match the check. We explained to them multiple times ( including in branch ) that the refund was for XXXX over payment of taxes and the check included interest ( the letter we got from the IRS was for XXXX XXXX XXXX and the check had ~ {$1800.00} in accrued interest. I uploaded my letter and my husbands and requested to please release the funds at least so we can use them. It has been almost a month and Chase bank has not done anything to help us move closer to our funds, we have gone back and forth, called multiple times to try to resolve this, but all we hear is that the Funds can not be verified.
Product: Debt collection

After reviewing my credit report on all 3 of the main bureaus I noticed there was a negative collections account listed under the name Midwest Recovery. I have never received any communication from this company and they are reporting negative and false information on my credit. It has also come to my attention that Midwest Recovery does not have an active license in the state of Florida and therefore can not attempt to collect this debt i have no information on.
Product: Debt collection

I XXXX XXXX, The real XXXX XXXX validate that i am the original creditor. I attached my social security card # XXXX for identification verification purposes.I have the sole power and control over anything that involves MY CREDITOR because no credit can be created with me. I was entered into credit inquiry transactions that I did not authorize or consent to.I am a victim of identity theft. I understand that under 15 U.S. Code 1681c2 you must complete this reinvestigation AND BLOCK ALL information RESULTING FROM identity theft within 4 days of receipt of this letter. Please understand that i attached my FTC REPORT # XXXX and I also attached an invoice for all the damages i received due to the violations that your company is guilty of. 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, which is technically Identity Theft, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter. Furthermore, This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. Also I have not supplied proof under doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW715, 719, I presume that no proof of The alleged debt, Nor therefore any such debt, in fact exist. 
I demand that the following accounts be removed immediately.
Product: Checking or savings account

Check from business was deposited by me to my checking acct via ATM and for the first time ever, a10 day hold was imposed ; both banking institutions are major banks, business and myself are local or within the same city area. I have been to my bank, businesses bank, and corresponded with business personell who provided check to me. My bank is not releasing funds and said the hold is from the issuer 's bank, the person from the business has said the check cleared their bank and the hold is from my bank. The issuers bank will not discuss any part of this with me. I just need either the funds released or be provided the documentation that the check is no good, possibly?
Product: Credit reporting or other personal consumer reports

Ask to show me the original documents saying I gave them permission to post on my credit, which is illegal unconstitutional and defamation of character.and its not mine
Product: Debt collection

As we previously advised you, you have failed to make payments required under your loan agreement or to contact us to take corrective action. As a result, your account number XXXX was sold to XXXX XXXX XXXX on XXXX/XXXX/2013. The outstanding balance was {$770.00}. 

This third-party debt buyer retains all legal rights to the amount owed. If you would like to make a payment, please contact XXXX XXXX XXXX at XXXX or XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit report act XXXX  account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish an account without my written consent
Product: Credit card

Attn : Chase Lending Services I requested a credit line increase for my account ending in XXXX and in a letter dated XX/XX/2023, I got notified that I was denied this request. Regardless of the reason for being denied, I have the right to credit, and denying me access to my credit is discrimination. Withholding my access to my securities is security fraud. You are violating the Federal Equal Credit Opportunity Act and Consumer Protection Credit Act. 


From your website address - XXXX XXXX XXXX Fair Lending Overview Introduction Fair Lending is the unbiased treatment of all customers when making credit-related decisions. Fair Lending laws ensure that financial institutions provide fair and uniform services and credit decisions. The fair treatment of our current and potential customers is an integral part of our overall commitment to maintaining the highest standards of corporate responsibility. This extends to every aspect of a credit transaction, including not only how we review credit requests, but also our advertising, handling of pre-application inquiries, loan disbursements, and ongoing servicing of the loan. 
JPMorgan Chase & Co. Fair Lending Statement JPMorgan Chase & Co. ( JPMorgan Chase ) is committed to treating all individuals fairly and equitably in the conduct of its lending businesses in all jurisdictions where it conducts business. This commitment is part of our fundamental mission of providing quality financial services to existing and prospective customers in accordance with all applicable laws. In the United States, this principle is embodied in fair lending laws such as the Equal Credit Opportunity Act, the Fair Housing Act as well as other factors included in state and local laws. These laws require the equitable treatment of all credit applicants without regard to race, sex ( including sexual orientation and gender identity ), color, national origin, religion, age, marital status, disability, familial status, the fact that all or part of the applicants income derives from public assistance programs or to the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act. Denying any person equal access to basic economic opportunities, such as home ownership or credit, is morally repugnant, has no place in our company, and will not be tolerated. Only through the efforts of all of us at JPMorgan Chase can we ensure that every applicant for credit receives fair and equitable treatment and that we have helped each member of the communities JPMorgan Chase serves reach their fullest potential. 
Fair Lending Laws/Regulations Equal Credit Opportunity Act ( ECOA ) This law affects every phase of the lending process and prohibits discrimination on the basis of : Age Race or color Sex ( including gender, gender identity and sexual orientation ) Marital status National origin Race Religion Exercising rights under the Consumer Credit Protection Act Receipt of public assistance ECOA prohibits making credit decisions or discouraging applicants, based on any of the factors listed above.
Product: Credit reporting or other personal consumer reports

I sent letters off on XX/XX/2023 through USPS. To remove personal information that I don't want on my credit report. According to the fair credit act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$280.00}
Product: Checking or savings account

I filed a complaint for fraud because someone had given me a fraudulent check which I cashed. It seemed fishy so I sent the money back and I didn't spend any of it. The bank looked into it and said I would be liable for the money no matter what. I made a claim and was denied even though I didn't do anything with the money and didn't know the check was stolen or fake.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, i initiated a transaction via XXXX of {XXXX to a recipient through my Citibank checking account. The {XXXX} was debited on the date of the transaction and on XX/XX/XXXX ; the {XXXX} was credited to my account due to my failure to complete the transaction on XX/XX/XXXX ( I forgot to put in the verification code the bank sent me ). 
On that same date XX/XX/XXXX ; once in receipt of the {XXXX}. XXXX in my account ; I initiated a new transaction in the amount of {XXXX} to the same recipient. Immediately following my transaction, the bank activated the previous aborted transaction of {XXXX} and sent it to the same recipient even though it was my request nor authorized by me. Since I didnt have {XXXX}. XXXX in my checking account, the bank withdrew the {XXXX} from my line of credit. 
When I contacted the bank, I was told that they already sent two transactions totaling {XXXX} to the recipient and it was my responsibility to call the recipient to get my {XXXX} refunded. It explained to the bank or rep of the bank that first the error wasnt mine to fix and secondly, I couldnt get hold of the recipient. Still the bank refused to credit my account and I refused to pay for the {XXXX}. XXXX which eventually went on my credit report. 
I have a 100 % payment history with Citibank prior to this incident and a credit score of above 750 ; this negative report is damaging to my XXXX XXXX nevertheless I refused to pay for any money that I didnt authorized. 
More forward to XX/XX/XXXX I received a letter from Citibank that the recipient didnt received the {XXXX}. XXXX and I was to get a check which I received a week after. I contacted Citibank to have the negative report removed from my credit history and was informed in writing that date if the transaction / claim was outside their scope of the time to investigate therefore they cant honored my request. 
I am kindly asking for assistance to have the negative report remove from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis sent me a letter saying I need to log onto their website. The website does not work and it's consistent with the conspiracy of fraudulent reporting a bankruptcy that does not exist. I have reported this several times and they are still lying about the bankruptcy that they can not verify with the XXXX XXXX XXXX XXXX XXXX. If you guys can not provide proper oversight I will be force to sue the three bureaus and Lexis Nexis in court. This is not a tolerable action in which a citizen should be subjected to. 

The three credit bureaus are conspiring with LexisNexis due to the fact they are a paid subscriber and we are now understanding that there is a monetary gain for consumers to have bad credit. Their sponsors make more money and this process will be presented to a federal court.
Product: Debt collection

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., has violated my rights. Account name : Midland credit management 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. I requested debt validation from agency and received a partial copy of a statement or just a confirmation that it was validated through a third party. I have sent multiple letters. Im requesting that these accounts be removed.