23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XX/XX/XXXX I sent two checks to pay off two cards I have with Chase, a Chase Freedom and Chase Sapphire card. On the Chase Freedom one, I also requested in writing the account be closed. There was a mix up at Chase upon receiving the checks and both payments were applied to the Sapphire account and they failed to close the Freedom account. When I realized the error via my mobile app, I immediately contacted them and they applied the correct payment to the Freedom card. At this time, I also requested the Freedom account be closed as that was the original intention. I also asked that they transfer the remaining rewards points from my Freedom account to my Sapphire account. This all seemed to be heard and was reflected on my mobile app. 

I didnt attempt to use the Sapphire card again until the third week of XX/XX/XXXX when an online payment failed for my music subscription ( which was linked to the Sapphire account ). At this time, I discovered BOTH accounts had been closed and my XXXX rewards points were gone. I called Chase immediately, explaining again the previous error and how this needed to be corrected as I NEVER requested the Sapphire account be closed at any time. This was their mistake, and they told me it had been over 30 days and they would need to submit a formal request to reopen the account. 

I NEVER received a determination letter, and instead had to call again to check the status. At the this time, they said it was denied and there was nothing I could do except open a brand new account and that my rewards points were gone. In the mobile app, both accounts are still listed and say closed, how is it possible they cant reverse the closing? I never asked for this and it was their error - while this seemed to be understood by customer service, they still couldnt fix it? Please help!
Product: Checking or savings account

I was supposed to get ( two ) seperate direct deposits on XX/XX/ in the exaact same amount of {$130.00} each deposit for a total of {$270.00}. But I only recieved one direct deposit of {$130.00}. But when I contacted openforce which is the company that pays my financial institution which is chime, they said that both deposits were sent and they provided me with two seperate trace numbers and documents that show they sent it. They told me to contact chimes ACH DEPT and provide them those two numbers. And they were very communicative and professional with the situation the whole time. But chime had not been helpful at all they barely speak English and I was hung up on at least 7 times after about a week of explaining the situation to many of there employees and supervisors its like they got rid of me calling out something. I submitted documents of proof that they sent the deposits to XXXX and spoke to a supervisor for 1 hour and a half and for him to just quickly brush me off the phone. I am owed {$130.00} still from the XXXX XXXX XXXX which I still have not recieved
Product: Credit reporting

I have called Equifax numerous times to have hard inquiries that were not mine removed off my credit report. I have requested signed applications of proof of the inquiries posted to my credit report on XX/XX/2016 and XX/XX/2016 by certified mail. All investigations returned back to me case closed with no signed evidence that I applied for the credit. I have also sent a certified, notarized letter to Equifax on XX/XX/2016 requesting proof of inquiries or they must remove the hard inquiries. The certified tracking numbers are USPS XXXX. This will be my 3rd certified letter over 5 months trying to get this matter resolved. There has been a fraud alert placed on my report due to the invalid inquiries.
Product: Bank account or service

On XXXX XXXX, 2015 my son and I made a cash deposit into our checking account at our bank at XXXX XXXX XXXX XXXX in XXXX OH. It was XXXX We deposited {$2200.00} in cash. The ATM receipt showed we had only deposited {$600.00} We were shorted {$1600.00}. I called the banking center. It was closed. I immediately called the after hours Customer Service phone number to report this. They assured me that they would investigate. I was assigned a " Case Number ''. The bank made a " provisional deposit '' the next day for a total of {$1600.00} We heard nothing else from the bank until XXXX XXXX, 2015 when they debited the {$1600.00} back out from our checking account. I contacted them this evening and the bank refuses to help me, saying that there is nothing further that they can do. I do not know where to turn. My family has banked with this company for over 25 years.
Product: Credit reporting or other personal consumer reports

equifax - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> This account is in litigation I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists
Product: Checking or savings account

On XX/XX/XXXX at roughly XXXX XXXX I deposited {$320.00} into a XXXX XXXX XXXX XXXX XXXX atm, which is listed as a co-OP of Navy federal credit union. The machine stated that this transaction can not be completed at this time. It then returned my card, but it kept my money. I immediately called Navy Federal to file a report. They informed me that they would initiate an investigation which could take 45 days to complete, but also that in 10 days a provisional credit would be given to my account. I also went to XXXX XXXX XXXX the very next morning to see if they would take action, however I was told that since I didn't have an account with them I had to file a claim with NFCU. Finally on XX/XX/XXXX the provisional credit was credited to my account only to be reversed 4 days later. Upon there investigation, Navy federal says that XXXX XXXX  XXXX claims there was no overages on that day. I would like them to pull the video surveillance from that evening. Furthermore I would like to know if that atm had been serviced shortly after my deposit. I am livid at this point and I keep thinking about what if it were a larger deposit. I don't think Navy Federal did all they could do to get to the bottom of this and I am considering switching to another credit union.
Product: Vehicle loan or lease

Westlake Financial has acknowledged that I am entitled to two separate refunds yet this company continues to provide me with false information and nonpayment of these two refunds. On XX/XX/XXXX this vehicle was voluntarily repossessed by the dealership, my down payment was returned and the dealership canceled this transaction all within 30 days of the initial transaction date ( XX/XX/XXXX ). Nonetheless, Westlake still took funds out of my account in the amount of XXXX on XX/XX/XXXX. Additionally, the warranty that was refunded by a third-party warranty company ( XXXX XXXX XXXX ), which I paid directly to the dealership was not returned to me but was directly received by Westlake financial ( approx XXXX amount ). I was advised by XXXX XXXXXXXX XXXX on XX/XX/XXXX to contact Westlake Financial so that the refund can be returned to me. Again, these refunds were acknowledged to be returned to me upon waiting the " 21 day '' as per the " Westlake Financial Policy ''. I was told on XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that my two refund checks were in the physical mail and would arrive during the week ending XX/XX/XXXX. I was advised by representatives to call back if the checks had not arrived by then. Upon calling back on XX/XX/XXXX I was notified by representatives that the refunds were cancelled and no checks were mailed out. While holding because the representative needed to research my account I was hung up on. Upon calling back I was told by another representative that my refunds were cancelled and nothing was mailed out. After advising the representative that the handling of my case may need to be managed up to get a resolution outside of Westlakes abilities I was finally connected to a supervisor XXXX XXXX. XXXX XXXX was not able to communicate why I was told by several representatives on several different dates that my refunds were in the mail. After a 20 minute telephone call XXXX XXXX advised me that he would research my claim further and that he would follow up with me directly by days end with a resolution. That never happened. It is now XXXX and I still have not received either refund. In fact I have been told that these refunds never were mailed. As of XX/XX/XXXX I have been told that I have to wait an additional 21 days to receive a refund because my account was closed on XX/XX/XXXX. I was not given an explanation as to why my account was " closed '' and why that was further delaying my refund. I have placed dozens of calls to Westlake Financial and spent many hours trying to get a concise explanation to the status of my refunds. I receive a different explanation every time that I call. I believe that the are major compliance issues. Their documentation is not reflective of the communications that I have had since XX/XX/XXXX and it raises significant concerns of theft, improper use of my personal identification information and discrimination. I am extremely distressed about this situation because it has created an extreme hardship during this time of inflation.
Product: Credit card or prepaid card

Bank of America allowed a credit card payment I made to get reversed fraudulently. I did not make this request, and neither did any authorized users on the account, so this is due to fraud. Money from the reversed payment is now missing and Bank of America refuses to tell me where the money has gone or issue a refund to my account. I have been calling them and complaining for several days with seemingly little progress. I need access to this $ XXXX which was disappeared from my account due to negligence at the bank immediately not in 7+ business days as they have been suggesting. Anytime I call the bank I get transferred again and again until they eventually hang up.
Product: Checking or savings account

XXXX 2023 I deposited two checks into a previously negative bank account, one directly from work and another through their app from school ( leftover loan money I received each term, and had deposited before ). Bank closes my account AFTER depositing both checks. Around a month later, maybe two, received a check for between $ XXXX, but I have a remaining XXXX still unreturned. Contacted bank numerous times, via phone, in person, and at original bank I opened account at ( at their request ). Still nothing, and no information.
Product: Debt collection

Wells Fargo is exercising unethical debt collection practices. They have not responded to my request to stop calling me at my personal phone number. They have called me in excess of the seven days that they are allowed to. The debt they are calling me about is not mine. It was an unsecured loan in the name of my father who is now deceased.
Product: Credit reporting, credit repair services, or other personal consumer reports

As coming XXXX of XXXX I want to show that one dictatorship company like Equifax can define my destiny for a better life with unfair and inaccurate information in my report Like our Founding Fathers did to make possible our Freedom, I will make my freedom from Equifax with the consumer bureau As human been and as citizen of this society XXXX XXXX XXXXXXXX I would like to have the right to sue Equifax in federal court for credit act violations and unfair practices for not removing inaccurate information from my credit report This is my last complain with Equifax Im a person with XXXX XXXX and with XXXX sister and this if we can called Bureau Agency have treat me with the most unfair manners Im willing to send a letter to President Biden of how this agencies of credit bureau treat many people in the XXXX and how they need to be regulated by the government as XXXX community I want to show how XXXXXXXX XXXX  communities and XXXX communities we have to struggle with unfair and and inaccurate information in our credit report Maybe because of the lack of resources of lack of information to fight this system seems to be like a dictatorship called Credit bureau As poor proletarian class I called dictatorship because even with all proof they are the ones to at still decided my destiny to be able to rent, to by a car and others even they are wrong affecting my life if is no solution I will show this an example and send it to the White House that this must to be stop all this abuse by the credit bureau thinking that they are the Gods I sent many proof to Equifax by letters not a single response not even telling why I was wrong even I sent all the proof even they are the ones making several credit violation reports After of the proof that I showed to the consumer bureau Equifax keep saying that acceptance now is verified and accurate 1 ) I showed the the last active date were all wrong The with all the credit bureau 2 ) the agreement dont have a signature or any identification of my self and only employees signatures which isnt legal 3 ) I have sent more than probably 20 complains to Equifax about this account and they dont do nothing 4 ) this is a great violation act Equifax is committing and this inaccurate information must be remove immediately 5 ) they are not investigation anything If Equifax was investigation anything why Transunion is showing only one late payment?

And neither of the 3 credit bureau match In other words they dont match at all This is completely illegal Equifax have done several violations over and over and over and over and not even if informing me with a single letter about my dispute even I sent several letters The only choice I have today about this abuse because the right word is abuse and violations Equifax have treatment with unfair practices Not going according to the credit act of consumer protection And didnt take off this inaccurate information even with all the physical proofs that I sent Now I will like to have the right to sue Equifax in a federal court
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

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 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

I've a credit card from XXXX. My XXXX payment information has been continuously being misreported to the credit bureaus for months. Here 're the things that are being misreported. 

XXXX ) I've only one XXXX XXXX. But on my credit reports, it's showing that I've two XXXX cards, which is clearly false. 
XXXX ) I've no balance on my one and only XXXX card, everything 's fully paid. I paid the {$99.00} balance on XX/XX/2023, and the ACH debit payment was posted on my account as well. Whenever I login to my TomoCredit account, I see that I've {$0.00} balance. But, on my credit reports it's showing that I've a {$99.00} balance for each XXXX card, so it becomes {$190.00} balance for two XXXX cards, which is also clearly false. 

I was supposed to have {$0.00} balance on my one and only XXXX card, instead they're reporting that I've {$190.00} balance across two XXXX cards, with false late payments still being counted. 

I've previously contacted XXXX about this, and I was told that the correct information will reflect on the report within 30 days from the payment date. So far, it's already been more than 2 months since the payment was made. XXXX has been reporting the false data to all credit bureaus ( XXXX, Equifax, XXXX ). This's a major issue and seriously has to be fixed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wallet was stolen several yrs ago in which I only replaced my ID and social but did not report it stolen. I replaced bank/credit card. I did not know that having those things stolen would affect my credit if I blocked my credit cards. I have reached out to all 3 credit bureaus numerous times as well as the creditors and no help with anything on my Experian report there are 3 items that are not mine which are : XX/XX/XXXX XXXX XXXX for {$2600.00} tried contacting creditor disputed this item XX/XX/XXXX XXXX XXXX XXXX  for {$10000.00} tried contacting creditor disputed this item XX/XX/XXXX XXXX XXXX XXXX {$1100.00} tried contacting creditor disputed this item for my XXXX  reporting there are 2 accounts that are reporting on my credit report that are not mine and 8 inquiries that are not mine which are : XXXX XXXX, XXXX XXXX XXXX XXXX {$1100.00} tried contacting creditor disputed this item The inquiries are as followed : XXXX XXXX XXXX XXXX XXXX  XXXX tried contacting creditor disputed this item XXXX XXXX XXXX XXXX XXXX XXXX  tried contacting creditor disputed this item XX/XX/XXXX XXXX XXXX XXXX XXXX tried contacting creditor disputed this item XX/XX/XXXX XXXX tried contacting creditor disputed this item XX/XX/XXXX XXXX tried contacting creditor disputed this item XX/XX/XXXX XXXX XXXX  tried contacting creditor disputed this item for my XXXX report there are 2 accounts that are not mine and 8 inquiries that are not mine which are : XX/XX/XXXX XXXX XXXX XXXX for {$10000.00} tried contacting creditor disputed this item XX/XX/XXXX XXXX XXXX XXXX {$1100.00} tried contacting creditor disputed this item The inquiries are as followed : XXXX XXXX, XXXX XXXX XXXX tried contacting creditor disputed this item XX/XX/XXXX XXXX tried contacting creditor disputed this itemXX/XX/XXXX XXXX tried contacting creditor disputed this item XX/XX/XXXX XXXX XXXX tried contacting creditor disputed this item XX/XX/XXXX XXXX XXXX  tried contacting creditor disputed this item XX/XX/XXXX XXXX XXXX tried contacting creditor disputed this item XX/XX/XXXX XXXX tried contacting creditor disputed this itemXX/XX/XXXX XXXX tried contacting creditor disputed this item XXXX XXXX XXXX  tried contacting creditor disputed this item XX/XX/XXXX XXXX tried contacting creditor disputed this item XX/XX/XXXX XXXX tried contacting creditor disputed this item XXXX XXXX XXXX tried contacting creditor disputed this item XXXX XXXX XXXX tried contacting creditor disputed this item XXXX XXXX XXXX XXXX tried contacting creditor disputed this item XXXX XXXX XXXX tried contacting creditor disputed this item all of these things should be removed from my reports and blocked
Product: Credit card

I am a customer/consumer of the financial institution Synchrony Bank and its subsidiaries/parents/affiliates/etc. 

PRIVACY Title 15 U.S. Code 6801 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, and that the financial institution shall protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. Synchrony Bank is a financial institution by definition in this Title, and its failure to abide by privacy laws has both harmed and inconvenienced me. 

I provided opt out instructions to Synchrony Bank on XX/XX/year> via the online messaging center in my accounts portal ( Attachment 1 ). My instructions were not complied with, as evidenced by Attachments 2, 3, and 4, which are consumer reports showing my account information reported after the date of my opt out notice. Synchrony Bank/Sams continued to report my personal information after receiving my opt out notice, which violated my consumer privacy rights. 

12 CFR 1016.7 ( h ) states, " A consumer may exercise the right to opt out at any time. I am now elaborating on my original instruction to eliminate ambiguity. Synchrony Bank does not have my consent to, and shall not, report, share, sell, give, or otherwise transfer my nonpublic personal information, from the date of XX/XX/year>, to a non-affiliated third party or credit reporting agency. The furnishing of my information after that date is unlawful and is required to be removed ; inclusive of, but not limited to, balances, amounts, late payments, status, remarks, comments, highest balance, updated dates, last payment dates, etc. 

FAIR REPORTING Additionally, Synchrony Bank furnished information to credit reporting agencies while the account balance was still in dispute ( as evidenced by Attachments 5 and 6 ), which is a violation of the fair credit reporting 15 USC 1681s-2. Consequent to Synchrony Banks unlawful actions, I was denied when applying for a loan recently ( Attachment 7 ).

15 USC 1681n states, Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. Synchrony Bank owes me {$4000.00} in civil damages : {$1000.00} for each month information was furnished to XXXX and XXXX while the balance was in dispute.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX To Whom It may concern : I am contacting Consumer Financial Protection Bureau to that my identity has been stolen and used for fraudulent purposes. 

To confirm my identity, my social security number is XXXX and my birthdate is XX/XX/XXXX. 

Someone has stolen my identity and used that information to engage in the following type ( s ) of fraudulent transactions : Credit card accounts Checking and/or savings accounts XXXX XXXX accounts Investment accounts XXXX XXXX XXXX  and /or email accounts Government documents and/or benefits XXXX XXXX XXXX XXXXXXXX Additional forms of fraud as follows : I have suffered the following forms ( s ) of harm and consequences because of this identity theft : A civil suit or judgment has been filed against me. 
I was denied bank, investing, credit, or other financial services. 

I do not have any information about who I believe to be the identity thief. 

I have contacted the following credit bureau ( s ) of the identity theft to report the incident to have false inquires and fraudulent accounts removed. 

I have contacted the authorities at the following police department XXXX located in the state of Alabama and filed a police report. A copy of the report is enclosed with the letter. 

Sincerely, XXXX XXXX