23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

A fraudulent debt was assigned as an adverse account by TransUnion. A police report was filed an a copy sent to the collection agency used XXXX XXXX XXXX, but TransUnion will not remove the fraudulent address and telephone number that were used for the services or the adverse account, from our personal information in their system. A copy of the police report is attached.
Product: Debt collection

I believe that the information related to this account is inaccurate and I am requesting an investigation pursuant to FCRA sections 607, 611, and 616.

I request that you provide sufficient documentation to verify the accuracy of this account, including a copy of the original contract with my signature, billing statements, or other documentation. Pursuant to FCRA section 611 ( a ) ( 1 ) ( A ), I also request that you forward a copy of the dispute and supporting documents to the credit reporting agency that is reporting this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other ( XXXX ) In accordance with the written instructions of the consumer to whom it relates I, XXXX XXXX, never gave you any written consent to include any of this information to my consumer report. 


XXXX XXXX : XXXX XXXX, 2019 As a consumer by law these inquiries on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state pursuant to XXXX XXXX XXXX, also Ive already involved and sent this letter to the CFPB, attorneys XXXX XXXX and the better business bureau and Federal Trade commission. 

PLEASE MAIL ME AN UPDATED CREDIT REPORT SHOWING THE REMOVAL OF THESE INQUIRIES
Product: Bank account or service

I was denied a checking account at capitol one 360 because of a chexsystem report and i have my report dated XXXX/XXXX/2015 which they also have and they said there is negative info on the report and on my report there is no information. capitol one 360 will not tell me what the negative info is about me. I am worried they are committing fraud.they also informed me i am not the only one this is happening to. If needed I will hire a lawyer and sue them for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to do a credit freeze on all the credit reporting agencies due to the Equifax fiasco. Am being told there is a {$5.00} charge to freeze/unfreeze an account in Arizona at all three agencies. This is outrageous. Have already contacted the Arizona Governor, the  Attorney General, and all my legislators about having this regulation for fees rescinded. Three legislators have called me back and I am being told they will not be able to introduce any bills till after the new state session starts in XXXX. 

Citizens should not have to pay any fees for this freeze service. The credit agencies make enough money already and do n't need to subject us to more payments while we try to mitigate this disaster.
Product: Bank account or service

XXXX/XXXX/2015 XXXX unauthorized or fraudulent transaction of {$400.00} and {$300.00} dollars
Product: Debt collection

HARVARD COLLECTION SERV XXXX XXXX XXXX XXXX, IL XXXX The collection agency is HARVARD COLLECTION SERV. The original creditor was XXXX XXXX XXXX XXXX XXXX XXXXI have never made any business with this people, I have NO knowledge of this account nor I owe any State Departments any money. I have already reported this to the Credit Bureau, but apparently this company tends to do this not only did they make my credit score go down XXXX points they do this to many other people. I read all the reviews this company needs to be investigated.
Product: Checking or savings account

If I could give 0 stars I would. I have spent hours after hours on the phone with chase customer service. Back in XXXX of this year I had my XXXX XXXX account hacked and someone proceeded to get an XXXX XXXX for a little over {$5000.00}!!!! Who would even spend money like that on a hotel??? Anyways I had read about other peoples experience with them getting they XXXX XXXX account hacked and they said what happens is they hack someones account and proceed to " book '' an XXXX XXXX but the place they book it with is their own so the money ends up getting sent to them. It has happened to thousands of people. Of course as soon as I saw that charge I called chase and had them shut off my card, they then said they would investigate and for me to also contact XXXX XXXX. I contacted XXXX XXXX and they said since it was fraud my bank would be the ones who would need to investigate and take care of the issue. Well a couple of days later I get a letter in the mail stating the purchase was correct and they wont be getting me my money back. I then called chase right away just to talk to several people who said they would re open the case. Well a couple of days later I try and use my chase card and it declines, CHASE CLOSED MY ACCOUNT. Im guessing they did this so they wouldn't have to give me my money back and just stop the investigation???? LIKE WHAT THE HECK??? I contacted my local police department and they took my written statement but said it would all end up on what my bank could do. Well considering they closed my account, wont return emails and anytime I call I get hung up on or told nothing. It has 8 months and I still haven't got a reasoning or explanation and 0 money back. I thought when you have a chase account you're protected from these things? GUESS NOT!! DO NOT BANK WITH CHASE. I have spoke with my lawyer and it to the point he's about to have to contact chase in order for something to be done about this. I have never had so many issues with a bank.
Product: Checking or savings account

Redemption of an Unsurrendered Certificate of Deposit ( CD ) I am the personal representative of our mothers estate. We are asking the Consumer Financial Protection Bureau to assist us in bringing resolution of an issue that we have with US Bank in the redemption of an unsurrendered CD. 

On or around XX/XX/XXXX, I attempted to redeem a Certificate of Deposit ( CD ) that was purchased by our mother on XX/XX/XXXX, through Security First Bank. Security First Bank as been acquired by US Bank. The Certificate in our possession was not been endorsed or surrendered, and we have no record of that the CD of ever being surrendered. 

Due to its date of purchase US Bank did attempt to review their archive records. They stated their policy retention of their records did not go back that far ( seven years ), Their search of records did not did locate our mothers CD or any information regarding its surrender, or transfer to an electronic account. Because we have the original unsurrendered CD, we made repeated attempts to resolve the matter with US Bank. Our belief is that the original CD is proof that the CD was never surrendered, and it is the responsibility of US Bank to provide documentation that it has been surrendered, not ours. If there is no record, we expect US Bank to fulfill its obligation as the financial holder of the CD, and allow us to bring the CD to US Bank to redeem the CD, and payment of the value of the CD and any interest accrued. 

As the personal representative of our mothers estate, it is my responsibility to ensure all accounts have been properly closed out. US Bank told us that while there is not record of its surrender. They presume that the CD paper record at some time was converted to an electronic account. There is no record or documentation of this happening. There was nothing further that US Bank could do, and if leaving up to us to pursue if we wished. 
This is opinion, not documentation. If it has not been documented, it did not happen. 

Following our conversations with US Bank, we did attempt to locate records of the CD account being surrendered or closed through our mothers tax advisor, and the IRS. There were no records of the surrender though my mothers tax advisor. We never were able to get records from the IRS. 

As the personal representative of our mothers estate, we are asking for assistance in bringing resolution to the surrender of this CD. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX credit card today XX/XX/2020 and I was not approved because there are three accounts that are not mine with negative history appearing on my credit. The accounts are from XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am not affiliated to any of these companies nor have I ever signed any contract or agreement in regards to these accounts that are in negative standing. I did not allow anyone to open those accounts in my name nor did I benefit anything from them such as money, goods, services or any other benefit. I have already filed a police report regarding these unauthorized accounts.
Product: Money transfer, virtual currency, or money service

My son asked if he could have his employer send me a payment for contracted work done in XXXX  -- since he did not yet have a bank account -- and I would send the money via XXXX instead. I did this effective XX/XX/year> ( XXXX transactions of {$20.00} and {$680.00} ). Zelle/XXXX  put fraud alerts on my XXXX XXXX account and blocked my access to using Zelle and later, stopped me from using inter-bank transfers ( have a standing monthly transfer from XXXXXXXX XXXX  that is impacted ) permanently, I am told. unaware. Curiously, no reversal of these transactions ever occurred/or had to be repaid by me if the transactions were indeed fraudulent, as XXXX/Zelle/XXXX  claimed XXXX 

In XXXX, when I called my XXXX XXXX bank to inquire as to why Zelle was down, they asked that I call Zelle who told me to call my back ( both entities passing the buck back and forth ). They sent a vague letter to me telling me that I would either need to change my phone number or email address in order to use the services again. XXXX, XX/XX/year> when I noticed my monthly transfer had not occurred, XXXX advised that Zelle/XXXX  is the same service and would no longer be able to do inter-bank transfers permanently either. HUGE INCONVENIENCE to my banking transactions as switching banks would be futile as well since XXXX  is used by most banks! Not given a chance to dispute this one purportedly " fraudulent transaction on XXXX '' even though was never questioned about it. Bottom line -- I want a XXXX  reconsideration of this ban and restoral of my inter-bank transaction ability that was, to me, arbitrarily decided by XXXXZelle XXXX As of right now, I have no recourse to reverse this decision.
Product: Credit card or prepaid card

I want to make complain about JP Morgan Chase bank. I received a late payment fee for not making payment on time back in XX/XX/XXXX. My due date was on XX/XX/XXXX which was a XXXX. The next following day was XXXX XXXX so the branch was closed because its XXXX XXXX  So the first following business day was XX/XX/XXXX. I did make my payment at a branch on the XX/XX/XXXX, XXXX. 

According to the Credit Card Accountability Responsibility and Disclosure Act of XXXX, the payment due date should be extended to the next following business date if the due date is on holiday or weekend. In my case, I wasnt able to make payment over the phone or online. 
Because I had to made payment by using a physical check from another person. I must deposit the check at branch. However, the branch did not open on both day of XXXX and XXXX. 

I tried several times to talk to customer service agent at Chase. But all of them insisted that Chase bank do not have grace period ; payment must be made on or before the due date regardless whether the due dates fall on weekends or holidays. This is contradicted with credit CARD Act of XXXX. I dont care about if they will refund me the late fee, but this is about whether the corporation is practicing their business under the Law and integrity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been pretty consistent with paying my bills on time. rm saying this because I went XXXX XXXX the other day and applied for an account I got approved but with a {$400.00} deposit I didn't understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report XXXX/XXXX, XXXX, XXXX XXXX  and XXXX XXXX. There are also inquiries on my report that I know nothing about. Please remove these inquiries as well. I have contacted the FTC and my local police. Im also doing this on my own behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to change my bank ( XXXX XXXX XXXX  ) with grain to my new bank ; which has closed down. Grain gives no option to pay with another checking account, which caused me not to be able to pay my bill to lower my statement credit for the month of XXXX. I need this fixed.
Product: Payday loan, title loan, or personal loan

Dear Bmg money I am writing you to request an investigation of the following on my credit report. 

Dispute XXXX As of XX/XX/2022 my balance owed went from {$5300.00} to {$6000.00}. With this loan status showing as current. 

I also have XXXX closed accounts on my credit report from Bmg money. 


I am requesting that you please provide me with documented proof, that I was aware of an updated amount and up charge on this loan. If you can not provide me with legal proof of my authorization. Then I am demanding you contact the CRA, S and request them to remove this from my credit report immediately.your failure to comply with my request within 30 business days will be my evidence of your willful compliance. Fcra 616, 15 usc Thank you for your attention to this matter. 

Sincerely XXXX XXXX
Product: Mortgage

I had a HELOC with Huntington Bank that was refinanced to a 30 year mortgage with XXXX XXXXXXXX XXXX XXXX XXXXXXXX ). I closed on the new mortgage on XX/XX/2022. As part of the closing process, XXXX requested a payoff quote from Huntington. Huntington responded with a payoff amount and per diem fee. A check for the payoff amount and per diem fees was sent via USPS overnight to Huntington bank. Huntington Bank received the check on XX/XX/2022, but did not credit the HELOC account until XX/XX/2022. Huntington Bank is now attempting to charge me additional interest. I have provided the proof of delivery to them, which is the receipt and tracking number from USPS proving that Huntington received the check on XX/XX/2022. On XX/XX/2022, I attempted to resolve this matter with Huntington Bank and went over their quoted numbers and dates with the representatives. I ended up talking to XXXX XXXX who, after going over the documents with me, promised to get back to me yesterday. I did not hear from her. The additional interest charges still appear on the account this morning. It appears that Huntington Bank is going to ignore me and attempt to force me to pay additional monies to an account that was paid in full with the amount they quoted to me and XXXX.
Product: Credit card or prepaid card

To Whom It May Concern, I am writing to file a complaint regarding a misleading credit card offer that I received from Chase Bank. On XX/XX/2023, I logged into my account ( through the app ) and was presented with a list of credit cards under the label " You're Already Approved ''. The offer ensured that my approval was guaranteed. Which led me to believe that I had been approved for a credit card with Chase Bank. 

However, when I accepted the credit card using the link provided, I was denied due to reasons that were not disclosed during the initial application process. I believe that the credit card offer was misleading and unethical, as it falsely advertised that I was already approved for a credit card when that was not the case. Had I been pre-approved, I would not have applied for this credit card. However, the app indicated that I was approved, resulting in a hard inquiry that adversely impacted my credit score. 

I am requesting an investigation into this matter and asking that Chase Bank provide me with a clear explanation of why I was denied for the credit card. I also request that Chase Bank review its credit card offer process and make any necessary changes to ensure that customers are not misled by its credit card offers. 
I appreciate your attention to this matter and would appreciate a prompt response to this complaint. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payment on an account that I was never late on. Consumer Reporting Agencies have taken on a vital role and have a responsibility to report on consumers to the best of their ability with Maximum Accuracy. I have never been late on payments on the account XXXX XXXX XXXXXXXX Account Number : XXXX Please reinvestigate and provide evidence with statements showing that this payment was made late. If no evidence can be provided, I demand that this payment be brought up to date on time, as it should be, as I have NEVER been late. Thank you.
Product: Mortgage

I suffered a home fire on XX/XX/XXXX ... .unbeknownst to me XXXX XXXX XXXX allowed my insurance to lapse in XX/XX/XXXX .... Then they transferred servicing my mortgage to GREENTREE . GREENTREE activated a forced-place policy on my home and now it 's XXXX XXXX years later and I am constantly battling with them to transfer money allotted to me from the insurance company to rebuild the home. I have since purchased a manufactured home, disassembled the burnt structure, cleaned the foundation and installed the manufactured home on the foundation. During all this it 's been a constant back and forth, delays, no return phone calls, just a ridiculous amount of stalling to get GREENTREE to reissue the money that the insurance company had sent and was to be relayed back to me within 7-10 days ... ( their words ) .The latest issue is that they have had {$5000.00} to install gutters and buy materials and have me finish the basement. I have XXXX more projects to complete before the house is issued an occupant permit. One, finish the basement as it was previous to the fire, and two, install a rear porch. As of XX/XX/XXXX, XXXX XXXX XXXX XXXX issued a check for {$5000.00}, to which I endorsed and relayed to GREENTREE. They received the chech the beginning of XXXX. I 've repeatedly called my account manager XXXX, and was repeatedly TOLD that she 'll review it in the next several days. I faxed proper documentation, which they require, W-9, Lien Release, for a portion of the job ... ( install gutters.. {$500.00} ) ... And have been waiting to hear either that she issued the check or something else is needed but have not heard anything despite numerous calls expressing frustration. I 'm appealing to you to please help me with this situation as is has become intolerable. I 'm just looking to finish the repairs on my home based on the estimate they gave me. GREENTREE is totAlly uncooperative in this matter and I 'm hoping you can help me resolve this as I became aware of the fines you imposed on them and that they 're being folded into XXXX ... .THANK YOU!!!
Product: Credit reporting or other personal consumer reports

XXXX founded and advised that my XXXX XXXX number was found on the XXXX web. XXXX has been placed with Equifax, XXXX and XXXX. Attempted to dispute invalid items after gaining access to credit report. These items and inquires have not been verified or removed from reporting under the Fair Credit Reporting Act. Please offer insight.
Product: Credit reporting or other personal consumer reports

I disagree with account listed below which is still showing and reporting inaccurate information on my credit report, even after your investigation. I would like this item to be re-investigated immediately. These inaccuracies are highly affecting my credit score 1. XXXX XXXX XXXX Account # XXXX for the amount of {$810.00}. 2. XXXX XXXX XXXX Account # XXXX for the amount of {$1300.00}. In accordance to the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I have the right to know the names and business addresses of each individual of whom verified these account as being accurate, so can you please provide me with this information? Please send me a updated copy of my credit report after your re-investigation. Please see attach files
Product: Mortgage

Wells Fargo has once again refused to respond to my request for information. I have requested information on the number of home foreclosed in the past two years, the census tract where they are located and the approximated value of the homes. 2. I have requested information on the reason Wells Fargo would not accept my reinstatement documentation on the day of the sale.
Product: Debt collection

The debt is not mine I never had a contract service with XXXX, I had a prepaid service with them that is all.
Product: Credit card

I have 2 credit cards with Discover. One since XXXX and one since XXXX. I received an email on XX/XX/XXXX stating they wanted they wanted me to sign a consent to let them get my IRS return for this last year. I called the company and they put me through some " fraud prevention '' department. He basically said you do this or we close your account. Again, I was so confused why they are asking me for all this information to " prove my identity '' when I've never been late or missed a payment and I'm not over my credit limit.

Knowing how much fraud and scams are out there - I sent this to my CPA. He said in all his years of doing tax returns he has NEVER heard of a credit card company wanting something like this. That it is complete overreach and reeks of a scam. He advised me to not do anything. So I didn't. This week I received a letter saying they have now closed both accounts. because I didn't do what they wanted. I called again. I talked to an agent who was less than friendly and basically said they can do this if I don't give them what they want. Doesn't matter if I make payments or not. I told her if I do send my tax return I will redact everything BUT my name, address etc. that tells them I am who I say I am. She said it doesn't work that way- they want EVERYTHING. I am NOT going to do this! It is complete over reach and they don't give you any other options for proving who you are. I asked once again if there is any other way to show who I am ... .nope- they only want my tax return. And now, since the " window is closed '' to sign the consent- they have closed my two accounts. This is absolutely unfair and will cause a detriment to my credit history which I have worked so hard to keep in a good status.