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

On XXXX XXXX I contacted my Bank CHASE & notified them of unauthorized reversal charges on my account there had been several to make them aware is wasn't me but to also ask them why I haven't I been notified by them & or the fraud department, By this time I had changed my username to try to stop whoever it was and started receiving fake text and phone calls messages asking me why. I then realized just a few weeks before thgis I noticed some weird activity with my debit card & request it to be deactivated change immediately and a new card be sent out possibly were the ones doing the reversals on my account & I followed by also reporting this to my local Police department obtain a police report case number for fraud. 
Chase Bank started the claim process & told me they would take extra security measure on my account and it would take 6 days as I request to close the account as it still was accruing a increase negative amount they ask me is I wanted to dispute all charges I stated yes & I requested that my creditors all be paid back for the reverse charges, and then proceed to close the account. Chase informed me the account must remain open during the investigation, its been over 6 days also after reporting this on XX/XX/23 there was another reversal made after me warning them its not me and this reversal was made with my old debit card that I ask to be deactivated specifically told Chase from this point on if I have to conduct any business with I would call and use the security measures put in place to avoid any more charges it went thru as well. I received several letter saying the reversal was completed but still the account remains in a negative status, I proceeded to make an appointment to speak with someone on XX/XX/23 about this manner and get an update only for the representative to tell me I have to call claims again, now Im receiving emails stating I need to make a deposit in order for this account to remain active because its - {$2400.00} and havent heard or received anymore correspondence from them.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint after noticing an unauthorized inquiries and inaccurate personal information on my credit report : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXX/XX/24
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute was filed with XXXX, Equifax and XXXX regarding a Fraudulent Account that was opened in my name. The account and credit card was opened by XXXX XXXX XXXX and listed on my report as delinquent. The account was opened in XX/XX/XXXX and I discovered I had a delinquent account on all 3 credit bureaus in XX/XX/XXXX. I immediately filed disputes and put fraud alerts on my reports. XXXX immediately removed this information from my report. XXXX and Equifax have not removed the fraudulent information. XXXX XXXX XXXX sent me documents with the phone number and email address that the account was opened with. Neither of them are mine. I have filed an identity theft report with the FTC and have filed a Police report with the local department where this was done.
Product: Debt collection

I was contacted by Midlands Credit Management and they continue to claim I owe them a debt. I checked my records and I do not recognize the debt. They say it is from a credit card with XXXX but I never had a credit card with them. I told them over the phone I disputed the charge and then sent me a letter stating they disagree with my dispute. Now they demand I pay over {$4000.00} to them immediately, which of course I do not have. After looking into this company it is difficult to determine if they are a legitimate debt collector. I also receive a number of calls stating they are a company collecting a debt however the messages never state a name of the person they are looking to collect a debt from.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX, Account XXXX XXXX XXXXXXXX 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 XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS AN UNVERIFIED, FRAUDULENT ACCOUNT. TRANSUNION IS IN DIRECT VIOLATION OF MY CONSUMER RIGHTS UNDER THE FCRA. FURTHERMORE, TRANSUNION IS VIOLATING DOLA PRACTICES by UPDATING THE " CO '' MONTHLY ON MY REPORT. PLEASE REVIEW ATTACHED DOCUMENTATION AND IMMEDIATELY DELETE FROM MY CREDIT FILE. 

I WOULD ALSO LIKE INFORMATION ABOUT MY LEGAL RIGHTS AND ACTIONS THAT I CAN TAKE AGAINST TRANSUNION FOR SUCH PRACTICES.
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXX Lettin you know Im disputin that debt under the Fair Debt Collection Practices Act This aint me askin for more proof or docs just tellin you Im not agreein with it Only way to contact me is through email Monday to Friday XXXX to XXXX east coast time Dont send no USPS XXXX XXXX  or courier mail and skip the phone calls Its just a hassle Appreciate you keepin it cool
Product: Credit card or prepaid card

Chase has decided to reduce my credit limit on two of my credit cards with them. This has now caused my available balance to show 95 % whereas prior I still had $ XXXX in available credit. This will cause my credit to tank while I am trying to refinance my house in order to take advantage of the lower rates and pay off the higher interest rate credit cards ( specifically Chase ). I dont see how they can ethically do something like this, especially during times like these. 

I pay at least the minimum due on the due date.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute Under 15 U.S.C. 1681i Ally Financial Auto Loan Account Inaccuracy To Ally Financial, I am submitting this formal complaint against Ally Financial and the credit reporting agencies ( CRAs ) for their failure to comply with their obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding the inaccurate reporting of my Ally Financial auto loan account. 

Account Details : Account Name : Ally Financial Account Number : Account Type : Auto Loan Date Opened : XX/XX/XXXXXXXX  Status : Charged-off as of XX/XX/XXXXXXXX XXXX with a reported balance of {$41000.00}. 
Original Balance : {$60000.00} Scheduled On Record Until : XX/XX/XXXXXXXX XXXX  Background : I initially disputed this accounts accuracy with the credit reporting agencies and requested a reinvestigation under 15 U.S.C. 1681i. Despite my evidence and insistence on an accurate review, the dispute was marked as " verified '' without providing sufficient information about how the verification was conducted. I also requested supporting documentation from Ally Financial, which was not provided. 

The continued reporting of this account with inaccurate and unverified details is causing significant harm to my credit profile, including the charge-off amount and past due balance. 

Issues : Failure to Conduct a Reasonable Reinvestigation : Under 15 U.S.C. 1681i, credit reporting agencies are obligated to conduct a reasonable reinvestigation into disputed information. However, the CRAs have not explained the steps taken to verify Ally Financial 's reporting, and I believe the reinvestigation was insufficient.

Lack of Verification Evidence from Ally Financial : Ally Financial has failed to provide any supporting documentation ( e.g., original signed agreements or payment histories ) substantiating the reported charge-off balance of {$41000.00}. This failure directly violates their responsibilities under 15 U.S.C. 1681s-2 ( b ). 

Continued Inaccurate Reporting : The credit bureaus continue to report inaccurate payment and balance details for this account. The reporting includes incorrect past-due amounts and charge-off details that do not reflect my account 's actual history or terms.
Product: Credit reporting or other personal consumer reports

I am filing a complaint for incorrect late payments reported on my credit report during the XXXX national emergency period. These late payments were recorded for account XXXX XXXX XXXXXXXX. Under the protections provided by the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ), my account should not have been reported as delinquent.

The CARES Act was enacted to protect consumers facing financial hardship due to the pandemic by allowing forbearance and preventing negative credit reporting during this period. Despite this, creditor XXXX XXXX reported my account as delinquent, which unfairly impacted my credit score and contradicted the protections provided by the CARES Act. 
I previously contacted XXXX XXXX  and requested that my account status be corrected to reflect a " PAID/ACCEPTED '' or " OK '' status for the specified dates, as required by the CARES Act. However, I have not received a satisfactory resolution and my report remains inaccurate. This situation is now negatively impacting my credit score and my ability to access financial services. 
I request that the CFPB investigate this matter to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are respected and that my credit report is accurately updated.
Product: Debt collection

Originally I requested a written verification, which GLA Collections out of XXXX XXXX Indiana. They failed to provide such verification. So I contacted the billing agency of the hospital ( XXXX XXXX XXXX hospital, they said there was no such charge issued for XXXX $ Let alone sent for collection. So I called the collections agency and while trying to tell me the charge do exist they said they sent the original written notice to an address I have not lived in and I XXXX XXXX I havent had since a year prior. Meaning they have a false charge and refused to provide a written notice. I am able to retrieve the call from my carrier, and the company recorded it too.
Product: Debt collection

A company by the XXXX XXXX XXXX continously contacts me and my family members. The number they left is XXXX. They contacted my cousin and they continuously contact her even though I asked that they not contact me or my family regarding a debt that doesn't exit. The last time I spoke with them, I told them the alleged debt doesn't exist and that I would be happy to go to court to prove same. As a result, I asked them to stop contacting me and my family. I also contacted the company they're alleging I owe, Capital One, and this debt does not exist. It's important to know that I have the audio file of the message they left on my cousin 's voicemail.
Product: Debt collection

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME '' COMENITY CAPITAL # XXXX OPENED : XX/XX/19 XXXX. XXXX XXXX # XXXX OPENED:XXXX XXXX. XXXX
Product: Checking or savings account

First there was a dispute filed against charges by XXXX, Bank of America has provided a specific date that the funds will be availbile. Keep in consideration that they provided 2 dates after the date they promised when I never received. This lead to a complaint which is the following XXXX ( CFPB ) So, I was lied to by a Federally ran company by mnultupole employees. So, Bank of America has not provided the refund according to the dates they stated. 

Issue : I put fuel in my vehicle for the amount of {$10.00}, I usually put between {$10.00} and {$30.00}. Well, I was charged by the gas station over {$100.00}. I immediately contacted the bank and informed them ; keep in consideration that they have not resolved the other dispute. 

1. I have never put more than {$30.00} of fuel in my car for at least a year or so, 2. The vehicle is only under XXXX gallons of fuel 3. Fuel price per gallon was not the price it is today 4. The gas station did not have any employee 's working, the door was locked and closed. 

The bank has stated that they will contact me if, again if there is anything that they need or that can potentially cause this to be denied. Well, first of all I was not concerned considering that I did don't put that much fuel i my car but most of all when my vehicle currently at the price per gallon cost {$74.00} to fill up again this is today 's price I did not thing that there will be an issue. 

I am confident, commutable to put my life on the fact that they have manipulated the entire dispute or actually manipulating me by applying the credit for the XXXX transactions than in conjunction taking out the funds that was already credited for the dispute for the fuel. This occurred the same day, 1., Did the bank provide me a single opportunity, 2. Did the bank ask me if I have a receipt 3. Did the bank consider small facts that can show that they made a decision that if this was a situation that was held i court that they would immediately lose credibility Bank of America favors merchants, or better yet merchants that actually bank with them. 
Why would a bank want to potentially loose a business account versus a personal account, so the way to prevent that is by making sure that they provide service to the other person and in return treat me life XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report ( XXXX  ) shows hard inquiries on me made by Chase Bank every couple months for the past two years. I have never applied for credit with Chase. I have tried contacting Chase directly to figure out why this happening and have not been able to receive any help and it continues happening. I am afraid that someone else is trying to apply for credit using my information. I've also had the same thing happen with XXXX a couple times.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax Data Breach. I want these items Deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

Accounts : XXXX. ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked to remove an acct that was included in bankruptcy that was filed in XX/XX/XXXX and discharged in XX/XX/XXXX. The creditors had a heloc of {$80000.00} at time of filing. Equifax has XXXX XXXX XXXX reporting a closed account ( closed XX/XX/XXXX ) which was included in bankruptcy in XX/XX/XXXX discharged in XX/XX/XXXX. It shows a balance of XXXX. Should be XXXX. Shows it as charged off and should say included in bankruptcy. Ultimately it should not be reporting. Over 10years since filed.
Product: Checking or savings account

My name is XXXX XXXX. This is my second complaint being filed for not receiving funds from a closed Chime account. My complaint is to receive the remaining balance, {$7200.00} via check. On XXXX XXXX my Chime account was closed because Chime 's partner XXXX XXXX said it wasn't in compliance with Chime 's policy. In Chime 's agreement it states that all funds will be returned via check. My first complaint was responded by the company said I did not qualify for the {$7200.00} that remains in the account and that the originator of the funds would get the funds. I am the originator of the funds. The {$7200.00} was not sent to account at one time. The {$7200.00} was saved over time. The {$7200.00} was saved by me therefore belongs to me. I would like the funds that I sacrificed for and saved.
Product: Debt collection

I brokered a deal with United Recovery systems XXXX, extension XXXX to settle a debt I had with XXXX, paying XXXX on XXXX/XXXX/XXXX. on XXXX/XXXX/XXXX I paid {$2000.00} and made payment arrangements for XXXX/XXXX/XXXX of {$200.00}, XXXX/XXXX/XXXX of {$200.00} and the last payment of {$200.00} on XXXX/XXXX/XXXX. I called on the date of the last payment of {$200.00} to arrange a payment a couple of days late. I was told by XXXX XXXX that the transaction was in process and that there was nothing I could do about it. I said the transaction had not showed up in my checking account she said there was nothing she could do or I could do. It came back insufficient funds and a few days later XXXX XXXX called and made an arrangement for the last payment of {$200.00} which was taken from my account on XXXX which cleared on XXXX. On XXXX XXXX XXXX called and told me that since I paid the last payment late that the agreement was null and void. I told her that I had made the last payment as agreed. I asked to talk to her supervisor she patched me through to XXXX XXXX got a voicemail. I finally reached him XXXX/XXXX/XXXX where he proceeded to tell me my deal was voided by my making the last payment late. XXXX XXXX called and tried to get me to make a commitment of paying the rest of the debt of {$4700.00} when I got my tax refund I told her my dad does my taxes and he usually waits until the last minute to do them. United Recovery Systems employed the same tactics they did before XXXX/XXXX/XXXX. They called my parents, my work, and me. They called my home and cell phone daily. My account was transfered to another person whom which I told I would not be receiving my income tax until XXXX and that I was not sure that I could pay them because of other obligations. It eventually ended up on XXXX XXXX 's XXXX, ex XXXX desk and I told her my history. She said she could see where my check came back insufficient funds thus voiding the settletment. She said that I could settle for {$1900.00} in Febuary and I told her that I did not have the money. She called me weekly to see If I got my refund yet and on XXXX/XXXX/XXXX she informed me that the offer was of the table and that she could settle for {$2600.00} which I did not have and that she did not want to see my debt go into litigation. I made payment arrangements for {$130.00} to be debited from my checking every month for the next 35 months which I 've been making. I just heard of you guys by reading an online article. I feel I do not owe the {$4500.00} as of XXXX, XXXX statement form United recovery Systems. I thought my debt was settled when I made the arrangement for the missed last payment to be made on XXXX. I got some bad advice from XXXX from XXXX in XXXX who I thought was a part of the XXXX XXXX She advised me not to pay them another dime because my debt was settled.
Product: Credit reporting or other personal consumer reports

My information was leaking out about XXXX XXXX people information was leaking out
Product: Checking or savings account

After going into the bank to withdrawal money from my checking account, my funds were frozen. The funds that were frozen were from a wire transfer from a real estate title company ( see attached ). 

Prior to going into the branch, there was no hold placed. When I went into the branch, the teller told me that I could not withdraw any funds because the wire was in pending status. She began to interrogate me as to what the money was for. 

I called the branch after learning that my funds were no longer available and was told that the wire was under investigation. 

I believe that this is discrimination. It wasn't until after I went to the branch that my funds were placed on hold. I am going to seek legal remedy in this matter as it had prevented me from moving forward with a major transaction and caused late fees for other financial obligations
Product: Mortgage

On XX/XX/XXXX I was provided a modification from Ditech with arrears deferred and first payment of {$460.00} was due on XX/XX/XXXX. Ditech did not uphold their agreement of the modification and placed my account in foreclosures before payment was even due. My house was about to sell so I had to filed bankruptcy with Attorney XXXX XXXX on XX/XX/XXXX only to save my home. Ditech said I owed insurance fees back dated from XX/XX/XXXXand the Bankruptcy trustee said that they had to dismiss my case due to I will not be able to afford it. My attorney advised me to come into the office so that we could get the bankruptcy straightened out. In between me getting to his office I had an medical emergency that caused me to be hospitalized for about 10 days and My car also was repossessed due to the mishandling and misleading information. A escrow account ending in XXXX is on my account that I never received any information about or payments that was due to me. The last analysis was did on XX/XX/XXXX. A total amount of XXXX was paid out of the account to insurance on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. After looking through my payment history I see several large amounts being distributed to insurance over the years of my account starting XX/XX/XXXX. 
I filed a claim to have house fixed but claim was denied by XXXX XXXX insurance company provided by Ditech replacement insurance. They also have had my divorce decree on file since XX/XX/XXXXto update my name on file but have not did so as of yet.
Product: Money transfer, virtual currency, or money service

Using the cash app money transaction app I encountered many problems such as unauthorized transaction and incomplete or inaddiquate investigations. When I became of victume of fraudulent merchants, I contacted customer service to conduct an investigation and the company complied and informed me that the investigation was being done about my complaint. Upon the completion of the investigation the company Cash App never refunded me monies or block the merchant from continued transfers to my account.
Product: Debt collection

I received a notice of a debt collection dated XX/XX/21. On XX/XX/21 I sent a letter acknowledging the debt with a check for {$51.00} for the first payment. I advised them that I would pay no less than {$25.00} per month which I have the records to prove that I have each month since. They continue to call me every few days and I have told them to stop calling me. I tried blocking the phone numbers from calling me but they have multiple lines, so the calls continue.
Product: Checking or savings account

This complaint is the follow-up of the previous complaints ID XXXX and XXXX. For this particular complaint, I am complaining about the employee " XXXX '' of Capital One. She is a thief. She stole my money for Capital One. In my previous complaints to Capital One, the XXXX XXXX XXXX  and to the Consumer Financial Protection Bureau, I repeatedly said that Capital One made a mistake that XXXX did not credit {$7.00} back to my account. I checked it over and over again a few times. XXXX never credited credit anything back to my account. Think about it. If XXXX credited {$7.00} back to my account, why did they not credit the whole thing of {$54.00}? This employee " XXXX  '' of Capital One is a thief. I repeatedly request Capital One to double check but this employee " XXXX  '' never double checked and kept sending the same information back.