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

On XX/XX/2023 I received a text message from what I thought was Chase Security asking if I recognized a transaction attempt on my account : respond Yes or No. I replied No and a text message came back, expect a call from Chase Security. I immediately received a call from someone identifying himself as being from Chase Security and asking if I was XXXX XXXX. He then said he would send me a code via text to verify that I was the account holder. I immediately received a text message from Chase with a numeric code which I read to him to identify myself. He did this XXXX times, over a period of XXXX minutes each time saying that he was working on resolving a problem with someone trying to use a new XXXX to access my account and asking me to hold. After a few minutes, I became suspicious and hung up and called the Chase XXXX number to see what was going on, at which time I was told that someone had initiated a wire transfer in the amount of {$11000.00} to a Chase Account in New York. I filed a report within the hour, called the local sheriff and filed a fraud report, then filed a report with the FBI and went to the bank branch the next morning and filed a second report. Each time I talked to Chase Bank, I went through the same process of being sent a security code by text to verify that I was the account holder. 
I have been told by Chase Bank that they are not responsible for my {$11000.00} lose because I provided the scammer with a security code to transfer funds. But I thought I was providing the code to Chase Security as is their process, not giving a code to have funds transferred. I have had that checking account for 45 years and never had on issue with the bank. I've never wire transferred funds to an unknown individual before and always been in good standing with Chase Bank. 
I believe that the bank is liable for the loss of my funds under Regulation E of the Unauthorized EFT Law. Regulation E Section 1005.6 ( B ) and EFT.12 CFR 1005.2 ( M ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and BLOCKED. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following reportXXXX included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : DPT EDXXXX XXXX
Product: Credit card or prepaid card

In XXXXXXXX XXXX XXXX I was advised of a financial settlement by Wells Fargo for their slimy fraudulent practices. The settlement instructs Wells Fargo to negotiate with the plaintiffs. I have submitted documentation of the havoc Wells Fargo has wrought on my life. Since XXXX, I have been strung along while they researched my claim. To date, nothing. I have even been denied access to their legal counsel. I reiterate that the judge ordered negotiation. They stated they are unable to find documentation. This, although I was told that there is proof that a fraudulent account was opened at a branch near my old address. It has been proven that this was a scam to inflate WF customer base. Even with their executives facing jail time. Ive been advised by counsel that even if WF computers were decommissioned, hard drives are bagged as evidence with a subpoena issue. This was demonstrated in an action against XXXX XXXX XXXX. I do intend to contact my senator and representatives regarding bringing forth my concerns to whatever financial committee can be advised. I have attached pictures of the paperwork from years ago, one of which has the credit card with a limit of XXXX dollars maxed out and a letter from a collection agency. Honestly the level of aggravation and chaos, to not even be able to buy a car or have a roof over my head is incalculable.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus refused to provide their MOV ( Method of Verification ) for the Bankruptcy listed on your credit report according to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available.

FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. I have enclosed the date the letter was received and the 15 days has been violated ; thus, the information has to be deleted. 
Further, the 3rd Party company XXXX advised me they deleted the bankruptcy ( copy of XXXX attached showing no bankruptcy ) from their records and I contacted the court - they did not provide Experian with any information ( letter attached ).
Product: Credit card or prepaid card

Chase advertised a World of Hyatt Business Card with a specific promotion : Receive double nights for stays at XXXX completed before XX/XX/2022. 

After receiving credit for several stays, I believed the promotion to be working, but for my last stay of the year, which would have qualified me for XXXX status and bonuses worth thousands ( Globalist Status, 2 suite awards, and one free night at a Category 1-7 hotel ), Chase refused to provide credit for the 5 nights completed according to the advertisement. 

Through the Chase rep and their supervisor, they refused to file a request to correct or investigate, and instead sent me to various benefits departments that had nothing to do with Chase, further they explicitly stated this was a XXXX issue. 

Through several XXXX reps, I was finally able to get them to contact someone at Chase, but Chase continuously referred to the Terms and Conditions as to why I didn't qualify but never provided the XXXX XXXX XXXX after several requests. 

Chase 's reason was because I didn't use the specific card the promotion was signed up through, but upon review of my hotel stay, it was done on points ( which qualifies ) and had no accomodation charge which required a credit card. Further, I had several stays which used points or did not use the XXXX XXXX XXXX XXXX card and were credited the double nights. 

After contacting the hotel to have them change the card on file to the World of Hyatt Business card, Chase continued to cite Terms and Conditions and stated that the payment was after XX/XX/2022, therefore it didn't qualify ( the payment was for incidentals, and had no relation to the accomodation ), which is also misleading as the advertisement stated that it was contingent on the stay being completed before XX/XX/2022, not the payment. 

I believe Chase has created a system where they make benefits resolution impossible for consumers, and encourage them to go through so many hoops to receive the benefits they were advertised to receive, so they give up and are successfully defrauded. I believe this is purposeful, and the use of " Terms and Conditions '' without providing official terms and conditions, is also an act of fraud against consumers. 

Further, if this was XXXX 's responsibility, then they have lied to their consumers as well, and did not work with Chase with sufficient due diligence to advertise the offer correctly, or train their agents on how to resolve benefit issues.
Product: Student loan

I have paid on my loans for about ten years and the balance has not gotten smaller, it has actually increased.
Product: Debt collection

I have been negotiating with Fay Servicing since XXXX of 2019, they informed me that the property has been appraised for $ XXXX and made my client get insurance on the property in order to get this short sale approved. They informed me 3 weeks prior to the sale date that the investor wanted an offer of $ XXXX and I emailed my client right away asking them if they were willing. They agreed, and soon after I spoke back to the agent managing this deal, he raised the price from XXXX and asked " how bad does your buyer want it? '' to now netting $ XXXX, so the offer would have to be around $ XXXX. This was not reasonable for the appraisal on this property came back as $ XXXX. They would not give me the name of the investor, this is the third time a short sale has gone through the whole entire process, only to be shut down at the very last minute because the agents aren't truthful about the numbers. I do not believe they are communicating with the investor because traditionally in a short sale an offer for fair market value is acceptable. I have recording and proof that my clients have been misguided and bullied into letting their properties go into foreclosure, when all they want to do is avoid auction. Very poor management communication, the managers would never call back or reply to emails.
Product: Debt collection

Received a letter from KeyBridge Medical Revenue XXXX that I owe {$69.00} of which I have no idea who it is originally I owe. since I have NOT been to a XXXX  in a couple of XXXX. Legally I thought they would have to send me an original bill, of which I NEVER received. I pay all my bills as soon as I get them.PLEASE HELP
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT ACT XXXXXXXX XXXX XXXX XXXX ACCT # XXXX 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 A. SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Prepaid card

I received a pre-paid debit card for {$40.00} when I purchased tires in 2014. I used the card once and still had {$22.00} on it. I moved and misplaced the card. I recently recovered it, and I saw it had expired, I called to see if I could still receive my funds and they told me my card had expired and fees had applied for maintenance and I now have {$0.00} left. I felt this debit card provided not only had a short date on it for expiration, but also that I was charged these fees. This card is produced by citi.com.
Product: Debt collection

When I got evicted from my apartments the landlord added extra unknown charges on my ledger in the balance of {$1400.00}. I recently just got an updated ledger after I heard she had gotten fired to get the correct balance. All of the extra charges she had added had been written off of my ledger now the current balance on there is {$680.00}. I keep sending in proof, calling the collections company, and calling the complex and I cant move until this is paid off!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS INQUIRIES and BANKRUPTCY from my credit report immediately.
Product: Mortgage

I am a Veteran and XXXX XXXX XXXXXXXX. During the closing of my new home, I told them I was exempt from paying taxes here in FL. They told me I could go to the government office and ask for documents. I went and sent the documents. However, the lender was transferred to an unknown company I had never heard of. I called many times to explain the situation, but they have not responded. Even my wife called to get this resolved before paying this month 's mortgage, and I lost connection, and they never called back or sent emails or anything. Why do I have to pay more taxes than I don't have to pay? I want them to resolve the escrow amount because taxes are wrong or to request an escrow waiver. This lender is currently unresponsive. I have never had any issue with other lenders before
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These hard inquiries are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The is information that's on my consumer report consumer report that is identity theft, according to 15 U.S. Code 1681b - Permissible purposes of consumer reports, my written instruction is the only way these items were to appear on my consumer report, and I gave no instruction at all.Theres no way you can say goods or anything was received as a result because again using someone's identifiable information to extend and good, credit or services is identity theft according to the law. 15 U.S. Code 1681b - Permissible purposes of consumer reports Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; I here by truthfully say that the information is not information relating to any transaction by me. 

SEE ATTACHMENT for identity theft for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

I received a notice that I have a collection from ABILITY RECOVERY SERVICE on my credit report. It says it was opened on XX/XX/2023 for balance of {$1100.00} with account number starting in ********* that I am not aware of nor I am responsible for. I never went into business with this company or signed agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer. I sent a validation letter for information and was never sent anything. I Disputed through the credit bureaus and they sent some generic bill thats past the staue of limtations for the state of Virginia.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

1. XXXX ACCOUNT # XXXX 30 days late in XXXX XXXX, 60 days in XX/XX/. 

2. XXXX ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint simply to remove information being reported to my credit report. The items I ask to be deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that you remove these items to correct my credit report. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete these items as soon as possible.
Product: Checking or savings account

This has happened twice in XXXX years! The XXXX event happened today XXXX. 
Both events with BANK OF AMERICA! 
- Twice - BOA has allowed someone to open checking accounts in my name. Both times, my wife has received emails from BOA that MY account is approved. I have XXXX BOA accounts. They are using my social security number ( a whole nother BS topic for Congress ), an old address, etc. This time, BOA did tell me that the email address being used is XXXX Can someone get an IP address on this jerk? 
I tried to log into that account and it has a phone number ending in XXXX attached to it. I can't get any other details. BOA claim # is XXXX - Bank of America should have to monitor my credit for LIFE at this point. The also got me on a predatory loan years ago. 
- All of the Credit Bureaus are Frozen in my Wife 's, Mine and my Son 's names. This should NOT happen. Ever.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Transunion is consumer reporting agencies and I am the Consumer. I HAVE THE RIGHT TO MAKE SURE MY PRIVATE INFORMATION ISN'T SHARED which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agency Transunion do not have my consent to furnish this information and they surely do not have MY written consent. Any and all consent to XXXX, XXXX and Transunion, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 

I am deeply disturbed in seeing this information being reported without my consent as of my Transunion report dated XX/XX/year>.
Product: Debt collection

someone steal all my identity and been using my name and i do n't think its fair for cable bill to be mines
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to a lot of disputes, complaints, and challenges with pre-written standard form letters, despite the precise information customers have provided. I am well aware that this is against the law since each and every consumer complaint must be evaluated individually and addressed appropriately. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. Any letters that include my name were either written by my advisors with my full knowledge and approval, or I am the only author of them. I am aware that you are not required to request a Power of Attorney in order to delay responding to customer correspondence. I will consider your indifference to my correspondence in a timely manner to be a deliberate disdain for my customer rights. In a circumstance like this, I'll have to call my attorney and file a lawsuit.

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! It is important that your credit report be accurate. The following complaints are unsubstantiated and do not comply with federal or state reporting standards. Since these claims do not adhere to fundamental reporting standards, which would increase my confidence in the veracity of the material provided, I contest them. It is your duty to ensure that all data is kept up to date, accurate, and compliant. Any claims that you are aware do not adhere to regulatory standards are not subject to be reported. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00}