23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

ADDENDUM TO FIRST COMPLAINT TO CHASE BANK. TODAY, XX/XX/2024, I WENT TO A CHASE BRANCH DOWN THE STREET FROM MY HOUSE IN XXXX, TX APPROXIMATELY XXXX TO XXXX XXXX. I SPOKE WITH A BANKER NAMED XXXX. I TOLD HIM MY ISSUE WITH MY ONLINE ACCOUNT BEING BLOCKED. HE CALLED THE ONLINE REPS BUT COULDN'T GET ANYWHERE WITH THEM. I RECENTLY OPENED A NEW PERSONAL CHECKING ACCOUNT ONLINE ABOUT A WEEK AGO. I ALSO HAVE A CHASE CREDIT CARD. ALL THEY ASKED ME FOR AFTER OPENING MY NEW ACCOUNT WAS HOW I WANTED TO MAKE MY FIRST DEPOSIT. I TOLD THEM I WOULD MAKE IT FROM MY XXXX XXXX. THEY MADE TWO SMALL DEPOSITS FOR ME TO VERIFY. BUT BY THAT TIME MY ONLINE ACCOUNT WAS LOCKED. XXXX, THE BANKER AT CHASE, TOLD ME TO GIVE HIM MY NEW DEBIT CARD THAT HE'D TEAR IT UP BECAUSE CHASE ONLINE HAS ALREADY CLOSED MY NEW ACCOUNT. HE TOLD ME HE COULD OPEN A NEW ONE FOR ME IN THE BRANCH. AT THIS POINT I NO LONGER WANT A CHECKING ACCOUNT WITH CHASE BECAUSE THIS IS NOT MY FIRST ISSUE WITH THEM. I ASKED HIM SINCE I'M NOT OPENING A NEW CHECKING ACCOUNT WITH THEM AFTER ALL, HOW LONG BEFORE MY ONLINE ACCOUNT IS UNLOCKED. HE SAID NEVER. HE TOLD ME THE ONLY WAY CHASE WOULD UNLOCK MY ONLINE ACCOUNT IS IF I MOVE FORWARD WITH OPENING A NEW CHECKING ACCOUNT. THIS IS XXXX. NOW I CAN'T MAKE MY CREDIT CARD PAYMENT ONLINE. XXXX TOLD ME I COULD MAKE MY PAYMENTS AT THE WINDOW AT THEIR BRANCH. I DON'T THINK SO. THIS IS NOT " MY '' FAULT THAT THIS HAPPENED. CHASE CLAIMS THEY SENT ME AN EMAIL ON XX/XX/2024 WANTING " PERTINENT INFORMATION '' WHICH IS WHAT THEY TOLD XXXX BEFORE THEY COULD MOVE FORWARD WITH MY NEW CHECKING ACCOUNT. THE ONLY EMAIL I GOT FROM THEM ON XX/XX/2024, WAS THEM LETTING ME KNOW I HAD UNTIL XXXX TO SET UP DIRECT DEPOSIT. NOTHING ABOUT ASKING ME FOR PERTINENT INFORMATION LIKE XXXX SAID. I WAS IN NO HURRY TO SET UP DIRECT DEPOSIT. I HAVE TO GO THRU SS TO DO THAT OVER THE PHONE ANYWAY BECAUSE I RECEIVE XXXX. SO GIVEN THESE FACTS, CHASE HAD " NO '' REASON TO LOCK MY ONLINE ACCOUNT AND NOW THAT I DON'T WANT TO MOVE FORWARD WITH OPENING ANOTHER CHECKING ACCOUNT, THEY'RE REFUSING TO UNLOCK MY ONLINE ACCOUNT. I CAN'T MAKE MY CREDIT CARD PAYMENTS ONLINE ANYMORE NOR CAN I VIEW MY ACITIVITY. I HAVE A HUGE AMOUNT BEING REFUNDED BACK TO MY CREDIT CARD AND I WANT TO SEE THAT ACTIVITY BUT I CAN'T. I'M ALSO " NOT '' GOING TO GO TO THEIR BANK EVERY MONTH AND STAND IN LINE JUST TO MAKE MY CREDIT CARD PAYMENT LIKE XXXX SUGGESTED I DO. I'M XXXX WITH A " LOT '' OF HEALTH ISSUES AND I'LL BE XXXX IF I'M GON NA GO TO THE BANK EVERY MONTH AND STAND IN LINE TO MAKE A XXXX CHASE BANK, IF YOU READ THIS, UNLOCK MY ONLINE ACCOUNT SO THAT I CAN NOT ONLY MONITOR MY CREDIT CARD ACTIVITY BUT MAKE MY PAYMENTS ONLINE, ON TIME. CHASE BANK, IF Y'ALL REPORT " ONE '' LATE PAYMENT TO THE CREDIT BUREAU XXXX I'M SUING YOUR XXXX OFF. I HAVE GOOD CREDIT AND I'M GOING TO MAKE SURE IT STAYS THAT WAY. AFTER MY CREDIT CARD IS PAID OFF I'M TRASHING THAT TOO. I'LL BE DAMNED IF I SUPPORT AND DO BUSINESS WITH AN ENTITY WHO COULD GIVE A XXXX LESS ABOUT THEIR CUSTOMERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX which is now controlled by XXXX XXXX refuses to provide information requested. In addition, they will not return phone calls. To make things simple for the CFPB for which I believe is in cahoots with XXXX XXXX because of financial gain. XXXX filed a false entry in 2015 and XXXX XXXX refuses to provide detailed information or return phone calls, and names of people that they say in their letter that verified. Please read the attached document which includes complete detailed information that has taken me many hours to compile because CFPB is in partnership with XXXX XXXX. My only remedy left is to take legal action which I can't afford due to the fact I'm a XXXX XXXX XXXX veteran.
Product: Debt collection

On a complaint I submitted to the CFPB on XX/XX/19, about A hospital, XXXX XXXX XXXX XXXX, violating the privacy act by sending a detailed bill of procedures performed, as well as my full medical records, including XXXX XXXX to THIS third party collection agency, TRANSFINANCIAL COMPANIES. 
They responded by stating that They are " business associates " of the hospital. 
Which proves they are claiming the right to obtain my medical records. 
Under HIPPA, the only persons who are covered to obtain my medical records are PHYSICIANS for the use of TREATMENT. NOT for debt collection. 
Procedures are to be kept PRIVATE. 
Only BILLS with amounts, dates, names, addresses, and social security numbers ONLY, are to be shared for debt collection. 
They admitted that the information shared THROUGH MAIL, was protected under HIPPA. 
This is a CLEAR VIOLATION of privacy. 

I have already reported the hospital who sent my records as well as this company to the State General Attorney.
Product: Vehicle loan or lease

On XX/XX/XXXX, my car was repossessed even though I have been making payments since my missed payment in XX/XX/XXXX. They wont allow me to pay only the remaining balance. They said I own them the entire loan of {$26000.00} instead of being able to make the payment that was missed. Ive had the car for two years and have made a payment every month from my knowledge. I even made a payment for XX/XX/XXXX and XX/XX/XXXX, but they still took my car. This was unjustified and I believe I should be able to get my car back by paying what was missed, instead of having to pay the entire loan back. I have called them multiple times to see if I am able to pay the balance of what was missed, but they are refusing and told me that there is nothing they can do once the decision has been made.
Product: Credit card or prepaid card

I attempted to make a purchase of {$1900.00} on XX/XX/22 at about XXXX for an airplane ticket for my husband. I immediately received a text message from the credit card company asking me if I had attempted to make the purchase. I said yes by texting # 1 but the credit card company declined the purchase. I called the credit card company, they informed me I was free to use my credit card now, since they wanted to make sure I was the one using the credit card, and not someone else. So then I found a better offer and bought a different airplane ticket. My husband flew out on XX/XX/22 to XXXX with the different airplane ticket I purchased and I was surprised to receive a bill for the amount of {$1900.00} that the credit card had declined. 

I called the credit card immediately to tell them that I was wrongly charged and they initiated a dispute with XXXX, the company I had attempted to buy the {$1900.00} airplane ticket. The credit card company made it a dispute between kiwi.com and I, but I made it clear from the beginning that this is an error from the credit card company. The credit card company declined the purchase and after I understood it was declined, the credit card company authorized the purchase without my authorization, of something that I no longer needed and that was never used by my husband or I.
Product: Credit reporting or other personal consumer reports

Yo CFPB, I'm real upset with how XXXX, TransUnion, and XXXX are treating my credit report. I've tried to fix the errors, but they keep ignoring me, which breaks the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i.

I've sent letters using simple software, but they ain't responding. This is straight-up illegal and wrong. No Power of Attorney is needed for this.

Under FCRA Section 611 ( 15 U.S.C. 1681i ) and Metro 2 reporting standards, I got the right to dispute any false info on my credit report. The claims of delinquency against me are bogus and don't meet federal or state standards.

I want proof that there was a legit reason for the inquiries or accounts on my report. If they can't show that, it's a fail on their part. 

The XXXX data breach messed me up with a bunch of fraudulent stuff on my report. I never agreed to share my private info, making this reporting unfair and not right according to 15 U.S.C. 1681 Section 602A.

Here 's where they messed up : 15 U.S.C. 1681 Section 602A : My right to privacy 15 U.S.C. 1681 Section 604A Section 2 : Can't furnish an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items older than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Can't knowingly furnish inaccurate info Y'all got 30 days to fix this. I want proof of what you did and an updated copy of my credit report. The false claims need to go, ASAP. 

Check out the attached letter for more details. Thanks for handling this quick.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible.
Product: Credit reporting or other personal consumer reports

XXXXwo accounts ( XXXX and XXXX XXXX ) are reporting late 3 late payments each. That information is incorrect/ inaccurate. All payments were made on time.

Furthermore, section 15 of the USC states that a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

I have sent them multiple notifications to remove said inaccuracies and verify said account. The account has not been removed from the report.

These inaccuracies are stopping me from getting loans for houses and cars furthermore. 15 USC 1681 section 6028 states that I have the right to privacy.

15 USC 1681 604 section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. I have not given anyone written instructions to furnish anything on my consumer report any my right to privacy is being interfered with.
Product: Debt collection

In a previous complaint that was closed with Key Bank. They state that I did not make payments on my account when if fact I did. They said that they would notify all credit reporting agencies. All of the payments were made electronically from my bank account to Key Bank. They do not show any payments credited to my account. I can only provide a confirmation number of payment,
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment account INSTALLMENT Installment Account Type - Detail : Installment account Auto Loan Installment XXXX Code : Joint account Joint Account Joint Account Account Status : Closed Closed Closed Monthly Payment : {$XXXX} - - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$XXXX} {$XXXX} {$XXXX} No. of Months ( terms ) : Monthly XXXX  Months Monthly ( due every month ) High Credit : {$XXXX} {$XXXX} - Credit Limit : {$XXXX} - - Past Due : - - - Payment Status : Charged off as bad debt Charge-off Charge-off Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Dispute resolved; customer disagrees Completed investigation of FCRA dispute consumer disagrees CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS CHARGED OFF ACCOUNT Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - - Two-Year payment history Month 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is the account. of the negative charge off that was once a repossession I. asked for the auto loan copy. Never received it. I asked for important documents to this account. Never received it. Mind you, I am a cosigner and this is a joint owned account between me and the other individual who will not answer the phone to give the documents to take care of these matters. This is not my account. I'm just a cosigner The car never turned into a repository on the credit report. It was just charged off from what I've seen from from the screen. I said, I sent you an easy screenshot from
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to purchase a used car to replace one that was totaled by an uninsured motorist in XXXX of 2016 at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Tn XXXX My credit score at that time was reported as XXXX through XXXX. 
They also used a company ( I never heard of ) called XXXX which at that time reported a credit score of XXXX! 
You can imagine how that effected my interest rate and payment ... .close to {$200.00} extra a month! 
XXXX seems to have quiet an ally in these finance companies, and I can not believe this continues after all the complaints that continue pouring in here, and elsewhere on line. 
I too do not feel comfortable giving personal information to a company that can only be contacted via email or hard copy ( no website ... legal? )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to dispute a credit card that was opened up in my name using my personal information without my consent from XXXX XXXX XXXX of XXXX XXXX on XX/XX/2022. My disputes have all been verified as accurate even after submitting an email from the selling manager of XXXX XXXX XXXX stating they submitted they application on me behalf without my consent. After contacting the dealership, I was told that I needed to close my account with the bank, submit the email from XXXX Selling Manager with my dispute, and then XXXX would rectify my account to reflect and delete the inquiry from my report. Now it shows I have closed the account and XXXX is and Experian are not approving the dispute, resulting in the open on the XXXX Signature Visa still appearing on my credit report- this is impacting my ability to apply elsewhere and impacting my score as well as causing financial burden and physical and emotional stress. I need this removed now.
Product: Credit reporting or other personal consumer reports

After calling XXXX, I got no response, then I called XXXX and was told to do a credit appeal which was wrong for my issue. Then I tried submitting a compliant on your site and received this message ; This page is currently unavailable. Were unable to take your feedback right now. We are working to resolve this issue as quickly as possible. Please come back later to resubmit. We apologize for the inconvenience. This message needs to get to your immediately and I can not wait until you fix it on your end. 

My issue is about my XXXX XXXX XXXX XXXX  that are covered under the Title IV of the Higher Education Act of 1965 ( HEA ) ; listed on the Social Security Administration website in their PROGRAM OPERATIONS MANUAL SYSTEM ( POMS ). Each Loan Provider such as XXXX, XXXX, etc all had a duty to know all Federal Educational Loans were under the Title IV of 1965 and that all my student loans are a GIFT used to pay tuition, fees, or other necessary educational expenses from my XXXX account. My APPLICATION for credit was turned into a COLLATERAL SECURITY per 12 USC 412 and I was supposed to be given a cash advance which is a purchase money loan per 16 CFR 433.1 ( d ) from the loan provider as valuable consideration of exchange which was the application for them to trade on the secondary market for them to profit from but instead those loans are on my credit report as if I'm suppose to pay it back, that's FRAUD. SEE ATTACHMENTS.
Product: Money transfer, virtual currency, or money service

I am concerned about Zelles handling of disputes in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion need to remove Bk off my credit report
Product: Checking or savings account

On XX/XX/2020 PNC made a change that prevented me from being able to sign up for any apps requiring my checking account, specifically XXXX. I need access to my financial data and am unsure why they are preventing this.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

FactorTrust run by XXXX have another consumer on a report which I have copies of reported that the information is mine. The consumer has indeed my social security number but not the same birthdate or name. Ive asked them to remove the information and to stop sending it to be verified as my information. This person was getting loans using my social security
Product: Credit reporting or other personal consumer reports

I have been reaching out to XXXX XXXX  XXXX and the credit bureaus since XXXX to XXXX XXXX and they still have not resolved the problem on my credit report. 

I am writing to bring to your attention certain discrepancies and potential violations related to my credit report, specifically pertaining to an entry from XXXX XXXX XXXX. The information on my credit report does not appear to be in compliance with federal regulations, specifically the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ). 

Account Information : Date of Last Activity : XXXX - XX/XX/XXXX, Equifax - XX/XX/XXXX Date Reported : XXXX - XX/XX/XXXX, Equifax - XX/XX/XXXX Account Rating : XXXX lists the account as " Derogatory, '' while XXXX XXXX has a blank rating. 
Late Payments : XXXX - XXXX late on XX/XX/XXXX, Equifax - XXXX late on XX/XX/XXXX Past Due Amount : Both XXXX and Equifax report a past due amount of {$390.00}. 
Account Type : XXXX reports it as a " credit line secured. '' Specific Violations and Non-Compliance : Date of Last Activity : The reported date of last activity does not match between XXXX and Equifax. Such discrepancies can mislead creditors and can be considered a violation of the FCRA, which requires accurate and consistent reporting. 

Account Rating : XXXX reports the account as " Derogatory, '' while Equifax and XXXX XXXX provide no rating. The inconsistency in the account rating between XXXX and the others violates the FCRA, which mandates the accurate representation of a consumer 's creditworthiness. 

Late Payments : There is a discrepancy in the reported dates of late payments between XXXX and Equifax. Such discrepancies may harm my credit profile and may be in violation of the FCRA.

Past Due Amount : Reporting a past due amount when there is no outstanding balance violates the FCRA, which requires that all information on a credit report be accurate. 

Account Status : XXXX reports the account as " Closed, '' while XXXX XXXX states it is " Open. '' This inconsistency is a violation of FCRA, which requires consistent reporting of account status. 

High Balance : Equifax reports a high balance of {$520.00}, which does not match the credit limit and balance information reported by the other credit bureaus. This inconsistency is a violation of the FCRA 's requirement for accurate and consistent reporting. 

Different Account Numbers : The use of different account numbers by XXXX and Equifax may lead to confusion and is a violation of the FCRA 's requirement for accurate reporting. 

I respectfully request that the Consumer Financial Protection Bureau investigate these discrepancies and potential violations. I also kindly request that Bank of America correct these inaccuracies on my credit reports as required by law. My aim is to ensure that my credit report accurately reflects my financial history and does not negatively impact my creditworthiness unjustly. 

Thank you for your prompt attention to this matter, and I appreciate your assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified that on or shortly before XX/XX/2023, a credit inquiry was made to Experian by XXXX. I did not apply for credit from XXXX or any other entity. I had a XXXX card in the past ; I closed the account in XXXX of last year. XXXX has no justifiable or legal purpose in making this inquiry ; since a hard inquiry negatively affects my XXXX XXXX, I regard this as a form of illegal harassment. XXXX has for over six months refused to investigate or even acknowledge fraudulent purchases made by an unknown person on XX/XX/XXXX, continues to bill me for a charge I did not make, and has generally behaved in a despicable manner to someone who was a very good customer. I want this inquiry removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN : Dear, XXXX, XXXX, EXPERIAN, my name is XXXX XXXX. I am writing to delete the following information from my life. I am a victim of ID theft. Im in the process of buying a house for me and my children and this is holding me back.The Fair Credit Reporting Act was intended to ensure that you exercise your grave responsibility with fairness, impartiality, and respect for the consumers right to privacy. Congress makes it clear that I have a right to PRIVACY as a federally protected consumer! You have violated my right to privacy which is a direct violation of the FCRA and the Gramm Leach Biley act. I did not consent or authorize for you, or the people listed in the report to use or share my non public information. Please be clear that no consent or authorization is IDENTITY THEFT which I demand to Cease and Desist! Pursuant to 15 usc 1681a ( 2 ) congress makes it clear that a consumer report does not contain any transactions or experiences. In result, I am demanding for the following transactions and or experience to be updated in accordance Pursuant to 15 usc 1681c-2 ( a ) you have 4 days from the date of this notice to comply with my demans as set fourth in the context above. This will be my first and final attempt to resolve this issue Sincerely, XXXX XXXX I noticed this problem on XX/XX/XXXX Accounts : Account name : XXXX XXXXXXXX Account number:XXXX Date account was opened : XX/XX/XXXX Account balance : {$430.00} Account name : XXXX XXXX Account numberXXXX Date account was opened : XX/XX/XXXX Account balance : {$470.00} Inquiries : Inquiry name:XXXX  XXXX XXXX Date opened : XX/XX/XXXX Inquiry name : XXXX  Date opened : XX/XX/XXXX Inquiry name : XXXX Date opened : XX/XX/XXXX Inquiry name : XXXX Date opened : XXXX XXXX Inquiry name : XXXX XXXX XXXX 

Date opened : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX 

Date opened : XX/XX/XXXX XXXX