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

I receive a loan for XXXX dollars and deposited into my business bank account ending in XXXX from JP Morgan Chase Bank. 
in the morning of XX/XX/2023 I went personally to the location of XXXX XXXX XXXXXXXX XXXX ( chase bank ) asking for XXXX in cash because I'm in the process of acquiring a restaurant and also buying used cars at the in auctions which only accept cash. 
they happily helped me but due low cash in branch only provided me with XXXX dollars and advised me to visit a SECOND Branch to withdraw the rest. 
As advised I directed myself to the second location ( XXXX XXXX XXXX, XXXX, NY XXXX ) CHASE BRANCH and I was attended by XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( not sure about the last name ) I explained her what I needed at the moment with all documents in hand but she denied to provide me service and the funds even when having me in front of her with my ID CARD, SOCIAL SECURITY AND MULTIPLE CHASE CARDS PERSONAL AND BUSINESS. 
SHE TOOK MY documents PLACED A restrictions in all multiple accounts which got into effect 3 hours later, leaving me without money or resources to exist. 
HER WORDS WERE I CAN HELP YOU BUT NOT TODAY ILL CALL YOU LATER TODAY TO HAVE IT READY. 

She denied me the service because how I was DRESSED, my SkiN COLOR AND MY NATIONALITY AS XXXX. 
I FELT TOTALLY DISCRIMINATED, OFFENDED AND MISTREATED. 
WHY do I say that I felt and still feel TOTALLY DISCRIMINATED, OFFENDED AND MISTREATED Because when I left that branch previously mentioned ( without knowing what she did with my documents ) I drove to the next location looking to complete the funds in order to start with the business which was the XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX. ( CHASE BRANCH ) once I arrived to the 3rd location they were more than happy to help me and provide me with the funds requested XXXX dollars. 

why do I write this letter because no one should be discriminated, mistreated, violated or offended for their skin color, race, education level or nationality. 

If the 1st branch was able to help me providing my funds and also the 3d one But the 2nd Branch decided to hold the funds deni the service and on top of that lock my account with no previous notice, without giving me the Opportunity to get money for gas, food or any other personal need. 
since all branches has the same bylaws and follows the same rules because they are the same company and one person because of how I looked at that moment refuses to provide service or help with my request instead blocked my accounts violated my rights ITS BECAUSE ( SHE SAW WITH PERSONAL PERSPECTIVE ) NOT AS A CLIENT SHE DISCRIMINATED ME. 
once I head back to the lawyer office, it was there when I noticed all my accounts were blocked leaving me in shock and without funds. 
not a single notice before. 
NOT ALL XXXX ARE DRUG DEALERS IM NOT ONE thank you NOT my first language but hopefully you will undertand.
Product: Payday loan, title loan, or personal loan

Issue : Autopay not working causing a delayed payment. 
1. I have made 6 calls throughout last XXXX until this XXXX with US bank. They could not identify what issue is with their autopay and simply informed me it shows it is active on their end. 
2. During call in XXXX, I cancelled the auto pay and setup again, their representative told me it will be auto-paying starting in XXXX. 
3. I took their words but got a phone call months after claiming I have a late payment. 
4. I called US Bank several times after confirming the situation. Was told they can do nothing besides waiving the late fee. 
5. My credit dropped by XXXX points due to their system error. 
6. Filed a dispute on XXXX, but nothing was changed. 
7. US Bank did not mail/email me about the missed payment in time either, until the call months after. They have my other checking account with them with enough funds to pay off the loan. Sounds like they just wanted to collect the late fee to start with, or just simply negligent.
Product: Debt collection

Capital on gave my information to a third party company which violated my privacy. 


15 U.S. Code 6802 Financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without first providing the consumer with a notice. The notice must be clear and conspicuous, and can be provided in writing, electronically, or in another form permitted by regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having trouble getting an account reported correctly. I disputed the account and each time the investigation says that the item is correct but the amounts owed are changing by {$1.00} every day for the past few days until finally, it has dropped my score by 8 pts. It was updated on XX/XX/XXXX, which dropped my score 8 pts, then updated twice on XX/XX/XXXX, which didn't change my score but dropped the balance owed by {$1.00} and then again today ( XX/XX/XXXX ) it was updated and dropped my score another 8 pts. All of these actions were taken on my Equifax report. This account I disputed was on a secured card. I paid {$3000.00} down on this card. My balance shows {$2800.00}, but they are stating they charged off {$120.00}, which they didn't. The account was closed because I lost my job and couldn't pay and the balance due was under my credit limit at the time. I closed the account myself and the credit card company is reporting that they closed it on me. Not true. Plus I do not owe money to these people. They have yet to send me proof that I have asked for to validate the debt. I have disputed it several times. I want this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX2017 I applied to become a business member with Transunion to report my companies tradeline product to consumers credit.

My Company met all credentials to become a business member in addition to getting the XXXX XXXX XXXX reporting software.

Because I am a small XXXX  Owned Business and don't have money for Transunion to have financial/corporate gain, Transunion decided not to extend a business agreem

ent to my company. XXXX XXXX XXXX XXXX is r
equesting a complete response detailing why the business agreement was not extended specifically to my company.

The answer of ( We have reviewed your complaint along with the information you provided regarding this issue. TransUnion has reviewed your request for membership. TransUnions review process is intended to ensure compliance with TransUnion business practices and policies as well as applicable laws, rules, regulations, and standards that apply to TransUnions businesses. Our process generally includes review and third party verifications of each applicants business credentials and on-site inspection. After careful review of your application and data gathered during our credentialing process, TransUnion has decided not to extend membership to your company. ) is not sufficient XXXX XXXX XXXX would like to know 1. What review and third party verifications were completed ( aside from the onsite inspection ).

2. What Data about XXXX XXXX XXXX XXXX  was collected?
Product: Debt collection

This was sent via email to me from my main office. I am a teacher in a classroom. I have asked this company not to call me and to stop calling my job and my family members and they call several times a day. They have threatened to arrest me at work. I have emails and telephone messages to verify these actions. I do n't believe this is even a valid debt. 

XXXX # XXXXCall before XXXX in order to NOT get served. 



Sorry, I 'm just the messenger XXXX XXXX XXXX XXXX XXXX ext XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed disputes online with Equifax on 4 different accounts on XX/XX/2019. I received repeated confirmation emails on each dispute from Equifax, each email included confirmation numbers. I called Equifax 2 weeks ago to inquire about the disputes and referenced the confirmation numbers. I was told the dispute wasn't resolved yet and could take up to 30 days. I called Equifax on XX/XX/2019 and was told that I never filed any disputes, I had only added a comment to each account showing on my Equifax report. There is not even a section on the Equifax website to just add a comment to your account. I know I filed a dispute on each account because I called Equifax and asked specifically for each account number they have listed on my credit report. When I filed the dispute online I entered each account number on each dispute. In total I filed 5 disputes that day. One dispute was removed from my report, but Equifax is telling me I only filed comments on the other 4 accounts, not disputes. They told me I would have to file a dispute with them over the phone as we were talking and I would have to wait ANOTHER 30 DAYS for the dispute to be resolved. The Equifax supervisor repeatedly told me they do not have any knowledge of what is on the Equifax website and that they can only help with online disputes. I found the phone number for Equifax on the Equifax website. Which is the number I called and this is the information I was told by Eqiufax supervisor. Out of frustration and anger I filed refiled 4 disputes over the phone with the Equifax supervisor named XXXX on XX/XX/2019.
Product: Checking or savings account

I open an account with Chase Bank on XX/XX/XXXX with a bank draft that was mailed to me from my insurance company with one of the banker inside the branch. Had another deposit in the amount of XXXX from XXXX XXXX ( Unemployment ) and another ACH on XX/XX/XXXX made another deposit in the amount of XXXX form the same insurance company but that check was return for it needed another signature from the bank -- so Chase XXXX XXXX that check back to me for the loan company to endorse. Afterwards I had other check from XXXX XXXX in the amount of XXXX, XXXX, and XXXX which were invalid ( non-sufficient funds ) in which I was charge an enormous fee of XXXX each totaling XXXX so I called that company in which they rectify the issue and sent me another check in the amount of XXXX for that error on their behalf. So on XX/XX/XXXX there was another ACH in the amount of {$310.00} form XXXX XXXX, On XX/XX/XXXX I had an ACH deposit made in the amount of {$1200.00} from the XXXX XXXX XXXX. So there were no more deposits made in XXXX. So beginning XX/XX/XXXX there were some activities in my account in the amount of {$240.00} and a claim filed with the bank for that amount from XXXX XXXX XXXX in which I did not filed any claims of any sort to have any refunded or credited back to my account. I have called the XXXX ( XXXX ) to complain about this and they informed me that someone did it and want me to paid it back, in which I had the same problem with XXXX XXXX XXXX that they were going to charge me XXXX for something that was done fraudulently to my account with XXXX XXXX XXXX . So I have try on numerous occasion to get this resolve and nothing has come from it. Again on the same day there was another transaction in the amount of XXXX, XXXX, XXXX XXXX all in one day. On XX/XX/XXXX there was another transaction in which a check was deposited to my account in the amount of XXXX bogusly in which I will send to show proofs. I made a deposit in the amount of XXXX on XX/XX/XXXX in which I went to the branch to open a new account for the account was compromise on the advisement of an agent from the headquarters for I could not open a new account over the phone. On XX/XX/XXXX there was another ACH that came from the XXXX XXXX in the amount of {$1200.00} in which I had to call in to have that money transfer from the old account to be place in the new account. Also when I called back to headquarters of Chase and was told that I had available funds in the amount of {$450.00} which was done on XX/XX/XXXX by the advisement of the representative from Chase, and now they are demanding that those funds did not belong to me, so I am so confused on this. I have called an pleaded my case and to no avail no one is hearing me, so I need some assistance here in assisting me in straightening this matter out. Now Chase want me to pay back to them {$2000.00} in which I explained that I do not owed them anything and that I will not have any more funds deposited into any accounts that I have with them. 

I will be submitting documents to substantiate the complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian regarding an accout with XXXX on or around XXXX XXXX XXXX  claiming the balance was incorrect and was XXXX ( XXXX ) times what it should be. The incorrect balance had been reported across all three ( 3 ) major CRAs Experian, XXXX, XXXX. Experian allegedly conducted an investigation and returned the following results under Experian credit report XXXX : " The dispute for the account with XXXX XXXX XXXX  that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. '' This is XXXX because XXXX 's accounting system does not show the balance as XXXX but XXXX. While Experian claims to review all relevant documentation included with a consumer dispute, it is clear they do not. Not even the balance history for this account/tradeline coencides with the amount Experian is reporting. I have observed this same poor behavior from Experian when disputing other inaccuracies within my Experian credit file. Experian 's practices neither meet the requirements for " reasonable investigation '' under 15 U.S. Code 1681i, nor meet the requirements of maximum possible accuracy under 15 U.S. Code 1681e. The behavior and practices of Experian constitute outright negligence and a willful abdication of a CRAs responsibility per the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX, XXXX, and Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Product: Credit card or prepaid card

XXXX , XXXX  Opened XX/XX/2013 {$390.00} Original creditor : XXXX XXXX XXXX XXXX XXXX  Overview You've paid off 0 % of your collection amount. Balance {$390.00} Highest Balance {$390.00} Opened XX/XX/2013 ( 4 yrs, 11 mos ) Account status Open Type -- Responsibility Individual Remarks Collection account Original Creditor Name XXXX XXXX XXXX XXXX XXXX   Company sold my account to XXXX XXXX. Prior to this happening I received a form that informed me I had to report the credit as income. I did. This happened prior to the account being sold to XXXX XXXX. It has been reported to XXXX and XXXX and it should have not. Primarily it should have not been sold. Why? Please have them explain what law allows them to do so. I am not a lawyer or aware of any laws. Furthermore they have not provided any information that includes why I received a form that indicates I have to report the form as income and what law allows them to do so. It came from HSBC. I believe. Please assist me the company has not responded and has not provided confirmation on how they are allowed to sell the account to XXXX XXXX at the moment I reported the balance as income. This is double dipping. Are there any accounting laws that prevent such infraction. I believe there is. Please enforce law. Please advise me of all possible routes to gather compensation for emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert that a credit card was opened with XXXX/XXXX  and this does not belong to me. I did not open an account/card with this company. I disputed it through XXXX but the update came back " verified as accurate. '' This leads me to make this appeal to you. This is very concerning and confusing. Please help!
Product: Checking or savings account

I received a flyer in the mail in XX/XX/2024 that if I get {$10000.00} in salary in BMO account, I will receive {$600.00}, I have only received {$500.00}. 

Please see the flyer attached. 

Plus you guys have deducted {$25.00} as a service fee from my account for no reason on XX/XX/2024. 

Plus there is a charge of {$7.00} on XX/XX/2024. 

Please resolve all these issues otherwise I will take you to the court for {$1000.00}
Product: Money transfer, virtual currency, or money service

Warning or confirmation notifications missing when sending money. Money lost due to missing notification. Could not retrieve money
Product: Debt collection

I dont know who this company is, and if i did its over 20 years old want it off my credit report
Product: Mortgage

your company failed to provide the required notice of additional required documents within  XXXX   (   XXXX  ) business days in violation of Regulation X,  XXXX  C.F.R.  XXXX  ( b ) (  XXXX  ) ( B ). Therefore, this client 's application is entitled to be treated as facially complete pursuant to Regulation X,  XXXX  C.F.R.  XXXX  ( c )  XXXX  iv ).
Product: Debt collection

To Whom It May Concern : This complaint concerns my XXXX credit card account with XXXX XXXX, which became delinquent in XX/XX/XXXX. Portfolio Recovery Associates, LLC alleges that they bought the account from XXXX XXXX, but the have refused to provide written documentation of alleged sale, a blatant violation of the Fair Debt Collection Practices Act, which explicitly requires documentation be provided within 30 days of the first written request. XXXX XXXX  has provided no proof of this alleged sale. 

I wish to make the following points : I received a letter from Portfolio Recovery Associates, which is attached, dated XX/XX/XXXX, claiming without proof that they had purchased my XXXX Card from XXXX XXXX  ; On XX/XX/XXXX, I sent Portfolio Recovery Associates a letter requesting a copy of the sales contract, as proof of the alleged sale. This letter is attached. 
3. My XX/XX/XXXX letter to Portfolio Recovery Associates was sent by Certified Mail, and it was signed for/delivered on XX/XX/XXXX. Documentation is attached. 

Since XX/XX/XXXX, Portfolio Recovery Associates has been totally and completely silent. They have provided no actual documentation of their alleged sale, as is required within 30 days under the Federal Fair Debt Collection Practices Act. Nevada Revised Statutes 649.332 etc. also requires written notice. In addition, Portfolio Recovery Associates has reported this account to the credit bureaus without proving their right of ownership.

Because of their silence, Portfolio Recovery Associates refuses to answer the following questions : What is their proof of ownership? Why did they disregard the 30-day Fair Debt Collection Practices Act requirement? 
Do they honor and respect the 6-year statute of limitations under Nevada law? 
Do they recognize my judgement proof income exemptions under both 42 U.S. Code 407 AND Nevada Revised Statutes 21.090 ( 1 ( y ) ), etc.??? Proof of Income is attached.
Product: Checking or savings account

Im trying to reconnect my Earnin account to XXXX and it says its having a problem be use of XXXX. I have been using it for a while but now it wont connect.
Product: Checking or savings account

Everything started on XX/XX/XXXX as I started to getting fraud alerts that were corrected and had the verify myself at least two or three different times and then they said everything was fine as of Friday. Even when I called on Saturday they said everything is fine with my account my debit card is ready to use and my account is fine and standing. Only as of XX/XX/XXXX around the afternoon time they decided to deactivate my account without my notice or sending me any emails even after verification.
Product: Student loan

I made a {$35000.00} payment on XX/XX/year>. Only {$12000.00} has been processed. I followed up with a phone call on XX/XX/year> regarding the {$23000.00} that was removed from my bank account but still is not posted on my account. It does not show as even processing in my account however I was told on XX/XX/year> that you can see on Mohelas end that the full {$35000.00} payment has been received but that since it was a new loan that it would take 38 days to process and to call back in the new year. I sat on hold for XXXX hours today ( XX/XX/year> ) with no luck getting through and an automated messaged saying they were closed, an hour before their posted closing time. I want to ensure my payment will be processed on my 9.8 % loan and that the payment has not been lost as this is a significant amount of money. Also I would like to ensure I will NOT be paying 3 months of interest on a PAID loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've never been late on student loan accounts. Letter being mailed today.
Product: Checking or savings account

This was escalated to claims with a complaint on  XX/XX/XXXX . My son deposited a check in his  ( min e joint ) checking account with Bank of America for {$400.00} in  XXXX   XXXX . He did this physically at the ATM. Before that happened he took a picture of the check and it failed to deposit so that is why he took the physical check to the ATM. He received his {$400.00} and never anything more this was in  XXXX  of  XXXX . In  XXXX  of  XXXX  he gets no warning what so ever and the BOA took that {$400.00} out of his account leaving him negative and without any $ $ going on a week now. BOA states they sent a letter after the money was taken from his account but we have not received it. I have called the bank several times and each time I am on the phone re-explaining my story over and over with no help. My calls are lasting anywhere from 40-60 mins. Instead of listening to me they keep trying to tell me the check image was not clear ( mobile picture ) so it was returned and the $ $ taken back. The problem being the mobile deposit did not go through we never received an extra {$400.00}. We only received on {$400.00} deposit from physical check. This is absolute insanity. This caused the account to be negative and left us with no $ $ in the account for almost a week now. I am utterly disgusted with the inability to trace back the circumstances and get my account credited in a timely manner. As of this write up I am still waiting for a resolution. They have been incompetent and have caused financial distress. I am disgusted! I can be reached at  XXXX   XXXX   XXXX . Thank you.
Product: Debt collection

Correspondence was sent t o ARS LLC o n  XXXX / XXXX / 2017  inquiring about a {$1700.00} medical debt reported to  XXXX ,   XXXX    &   XXXX . I requested information regarding the medical provider/facility to which I allegedly owe the debt and a detailed breakdown of the fees that I owe.   As of today, I 'm still waiting on a response.   I believe that this debt is not mine and the fact tha t ARS h as never provided any verification of debt, further proves this for me. FCRA states that I have the right to demand that they provide documentation to verify debt and if they are unable to do, it is illegal for  ARS to contin ue reporting this debt.