23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I have an account with Chase bank. On the day of XXXX XXXX  I woke up XXXX and upon checking my email I found few emails from XXXX XXXX from XXXX XXXX to XXXX XXXX stating your transaction has been successful, the money has been picked up. I panicked and checked there were two transactions made from my account and {$990.00} was sent to XXXX XXXX in XXXX. Upon checking the emails further the hackers had tried to send {$990.00} twice and they were successful in picking up just one transaction. There were two charges on my account for {$1000.00} that {$990.00} and the {$34.00} charge from XXXX XXXX. I called XXXX XXXX right away and told them that I did not send the money and its a fraud, they told me they could not do anything as the money has been picked up and they can not refund it and I should contact my bank. So I called chase bank and told them what had happened. They opened a claim and gave me a temporary credit for {$1000.00} but on XX/XX/XXXX they sent me a letter saying that chase has done its investigation and therefore has determined that it is an authorized transaction and debited the money from my account and I called them to ask more information about their decision and their reasoning was that the information like my name address phone number and email matched that is why it is authorized transaction. But this reasoning doesnt make sense because it was hacked and when people hack someones information they wouldnt hack the wrong information and if the information wouldnt have matched the transaction wouldnt have gone through in the first place and I wouldnt have to be battling with it like this. So the bank asked me that they could not open the case again until I bring any proof that proves that I did not authorize the transaction. So I went to the police to file a report and I also filed a report with FBI. i also called XXXX XXXX and they have a fraud report and the case number. But they would only provide it to law enforcement. I went to the police station and asked them if they could call XXXX XXXX and get the report so I could provide it to the bank and get my money bank but they told me that they didnt have enough resources to do it. I went to the bank frustrated and the bank manager filed a hard complaint for me and the escalation department from chase called me and I told them the whole story. They sent me the research chase had done. In the report the IP address from where the transaction was done shows North Carolina and on an XXXX  device. I was in California sleeping in my house when this happened and I use XXXX. I told them this and yet they have denied my claim. I also had provided them the proof of my clock in and out from work to prove I was in California. At this point I have no other choice to file this complain and potentially go to small claims court as this is wrong and the bank is not protecting my hard earned money which with great trust I put in their bank thinking it was safe.
Product: Debt collection

Never had this company before, tried multiple times to explain what this account is
Product: Vehicle loan or lease

I was a victim of hurricane Harvey. I was advised my loan would be deferred for two months. I began to receive deliquent calls. I spoke to a rep that said there was a miscommunication that once I pay the bill it will go they would change my due date to mid month. Which did not happen. I advised I was unable to make the payment. They said they would work with me and every thing will fine. I was told I qualified for an extension. Then I was I told I cant get an extension. I feel this was based off discrimination. Im very upset. I was advised that Hurricane Harvey was last year. I asked for a supervisor she proceeded on the line. I was advised I do not want to be contacted by auto dialer and they continued to call me with the auto dialer.
Product: Debt collection

Approximately XXXX weeks ago I called XXXX XXXX XXXX  to ask them to verify a debt ( {$960.00} ) that i found on my credit report. This is for a XXXX XXXX debt/account that i have no knowledge of but that was supposedly incurred about XXXX years ago ( buy that XXXX keeps refreshing every few months to make it look new ). I was assured that within XXXX days i would receive a letter in the mail with the specific information verifying the debt, but i havent received anything. Thank you
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, at XXXX XXXX. I went to Bank of America at XXXX XXXX  XXXX, XXXX, Texas XXXX, and tried to use the Virtual Teller. The teller came on the screen and advised me to put my Drivers license on the screen. Next he advised me to insert the check I wanted to cash for {$1400.00} thru the ATM window. Within minutes the teller told me the check was stuck in the ATM machine, and could not be retrieved. I would have to file a claim with the bank. I am not an account holder of Bank of America, and have been trying for 2 weeks to either get my money or get my original check back. The teller gave me a receipt for the transaction, and I called the Claim department and filed a claim. I have been told something different everyday by this Claim department, including they do not balance the ATM machine everyday, and this process could take 45 days. I am not willing to wait this long on their error. I have written letters, and faxed a complaint to their Corporate Office, to no avail. 

Bank of America XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, Texas XXXX XXXX available anytime
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX XXXX : {$12000.00}
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  and all three major credit bureaus have been reporting negative and incorrect info to my credit report on XXXX, I sent XXXX XXXX XXXX  a letter stating multiple concerns about my report. 
I informed them that they were reporting negative information that was not accurate. I asked the company to provide proof of any debt I owed them and that the information they reported was correct. I also requested XXXX XXXX XXXX XXXX provide the method and source used to verify and ensure that the debt they reported was true and accurate. I stated in my letter that if they could not do so, I would like to opt out of all reporting to all credit bureaus and for them to delete the account from my consumer profile. I sent a letter via certified mail, which had a return card signed by the XXXX card recipient on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX never responded to my letter that they received, therefore failing to validate the debt and provide proof that the information was accurate. XXXX XXXX 's willful negligence has had an extreme impact on my financial affairs. 

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. XXXXXXXX XXXX XXXX  is a financial institution by definition under that title. 
. 15 USC 1681 section 604 a section 2 states, " 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. XXXX XXXX, XXXX XXXX  and the Consumer reporting agencies XXXX and Experian do not consent to furnish this information, and XXXX XXXX  XXXX does not have my written permission. 

Given XXXX XXXX 's failure to respond, I am formally requesting the CFPB to enforce my consumer rights and safeguard my privacy. As per the Fair Credit Reporting Act, XXXX XXXX is obligated to delete this account. I am also reiterating my request to opt out of all reporting by XXXX XXXX XXXXXXXX XXXX to all credit bureaus and to have the account removed from all XXXX major credit bureaus, as they have not validated the debt or provided any proof of the information 's accuracy.
Product: Checking or savings account

On XX/XX/2023, I was invited to sign up for a Rewards checking account. According to the terms of the email, I was offered a {$200.00} sign up bonus upon depositing {$5000.00} within 30 days of account opening and maintain that balance for more than 90 days. On XXXX XX/XX/2023, I signed up using the link from the email and deposited {$5000.00} into the rewards checking account according to the terms of the sign up offer. I have maintained the same balance as of today. Its been over 120 days and there is no sign of sign up bonus. When I tried to contact American Express customer service, I was given some lame reason stating that the sign up bonus was not offered because their transaction system somehow categorized the transfer as an internal transfer. I don't have own any account other than the rewards checking account and a blue cash credit card. Even if it is the case, there is no way, the funds deposited with them can be considered internal as I don't own another account on my name with American Express and I didn't have any deposits with American Express prior to this on my name. 

It feels like American Express is resorting to deceptive marketing to get deposits and then deny bonus with lame excuses. Even though I have patiently waited for 120 days with my money deposited with them, American express has not stuck to the terms of the sign up promotion but rather giving me a runaround. I want the sign up bonus promotion of {$200.00} to be honored and request bonus be deposited into my account. Request you to please check and update. 

Attached the first and the latest statement from the account for reference. 


Thanks and Regards, XXXX
Product: Credit card or prepaid card

Made an internal account transfer from my Bank of America checking account to my Bank of America credit card account and this occurred instantly - lowering my balance in my checking account, and increasing available credit in my credit account. 

Days later, this action was reversed and I was charged a {$29.00} returned check fee on my credit account. Looking into it, Bank of America reorganized my transactions so that purchases made AFTER I made the internal account transfer posted before in order to cause my account to go negative. However, this is not how it ever appeared to me as I monitor my account multiple times a day ( unemployed during COVID, need to make sure everything is completely right ). 

To make matters worse, a day later they closed my credit account and have not told me why. I've called and spoken to multiple people, and spoken to their Social Media team and all they've told me is that they mailed out a letter. 12 days later and I still have not received this letter.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXXg of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Checking or savings account

My account was closed around XX/XX/23 with a balance of around XXXX XXXXXXXX and I have yet to receive my balance. I was told I would be getting a cashier check after my account is officially closed but no one has helped. 
XXXX XXXX XXXX : XXXX Account : XXXX Bank : US Bank
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX  XXXX - XXXX Unknown - XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute and resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Mortgage

I applied for & was told {$500.00} is required to start the apllication process for a mortage through Chase Bank. I paid the {$500.00} & called back to start the process after gathering my documents for submission, due to questions before mailing my documents & was told, I have to find a property before being approved. How do I know what price range to shop in? That is NOT what was conveyed when my {$500.00} taken. This mortgage is contingent upon me selling my home, which is currently on the market. When I purchased my first home, I did not have to pay an application fee. My mother has had XXXX XXXX & is now living with me which is reason prompting a search for a larger home. Her accounts are also through CHASE & at this time, we are discussing gradually closing our accounts. I specifically recapped that once I paid the {$500.00} that we can move forward, and was told yes. I am VERY dessatisfied with this process & would like answers. I will also file complaints with the other relative agencies as well. I was discouraged from sending my documents in & in fact, was stopped from compleing my sentence.Thank you for taking the time.
Product: Mortgage

I submitted a request for assumption back in mid XXXX XXXX. I confirmed reciept with Ocwen and I also called to verify that they had a complete package and they said they did. I also followed up on several occassions being advised that I would receive an answer shortly. It has been over two months since I submitted my complete package and today XXXX XXXX XXXX I received a call from XXXX XXXX at Ocwen advising that he needs all updated information and also he requested 2 new items a XXXX and an HOA statement. I advised that these were not requested initially and its now 2 months later and they are asking for new items? Ocwen promptly cashed my check for the assumption and today I am told that my file has not even been sent to underwriting at all.
Product: Mortgage

XX/XX/XXXX, XXXX XXXX-Loan # : XXXX Lender : SPS Rep name : XXXX XXXX ID : XXXX Dept. : Customer Service Email : XXXX FAX : XXXX As for XX/XX/XXXX the SPS has stop offering COVID forbearance at which point in time they started to begin the process of the foreclosure. 
I have asked for assistance due to the the medical issues and the loss of spouse and family members due to XXXX. my intent is to keep the home and have my mortgage company offer the assistance that they had promised me. Further more I have sent in the required documents to have my loan considered for the mortgage assistance programs offered under the CARES-ACT.
Product: Credit card or prepaid card

My card was stolen and numerous transactions were placed on my account where money in the amount over {$5000.00} was transferred to someone else. I file a dispute on XX/XX/XXXX once aware of the loss and was instructed to file dispute form and submit within 10 business days for provisional credit. On the XXXX business day I called card.com and was told I had to wait until XX/XX/XXXX for a provisional credit. On this day XX/XX/XXXX I called to see again why I had not received credit and was told my dispute was denied on XX/XX/XXXX as no error occurred but clearly a thorough investigation was not done because I did not make said transactions. When contacting where transfer were sent to I was unable to get any information because the account did not belong to me where the money was sent. I am devastated and would like help seeking my money that was stolen from me!
Product: Debt collection

I have an XXXX with Illinois Highway. My XXXX is connected to my bank. When my account gets low they draft. This is a collection from a debt collector for {$220.00} for Illinois State Toll Highway Authority. I want them stopped because this is NOT a debt I owe and I am reaching out for the number of people who fall for this scam. The collection comany is Professional Account Management , LLC, XXXX XXXX XXXX, XXXX, WI XXXX. The number to call is XXXX. The web address is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact TransUnion on the following dates ( this year XXXX ) : XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. To make XXXX on why the Inaccurate Inquiry information that is being disputed is still existing on my credit bureau report. I have sent them letters certified and other dating back to XXXX concerning this issue. They refuse to delete the information even when given all required information pertaining to a Identity Theft issue. They continue to keep this erroneous information on my credit file. This is causing me considerable delay and denial of a higher credit score. I have attached my latest letter to TransUnion which they stated they never received. Please see all of the Inquires I want to have removed.
Product: Credit card or prepaid card

On XX/XX/2021 I contacted Discover to report fraud on my credit card. They told me that the fraud department was going to investigate the charges and they would cancel my card ending in XXXX. They apparently did not investigate the charges or cancel my card and allowed charges of {$69.00} to go through for a charge they should not have allowed. The charge was for one of my automatic bill payees. However, I had already made arrangements to pay my directly to the service provider and now Discover is refusing to reverse the charge of {$69.00} from the unauthorized activity and holding me responsible..
Product: Checking or savings account

Formal Complaint Regarding Extended Hold and XXXX Customer Service via XXXX Bank On XX/XX/year>, I opened an account with BMO Harris Bank. At the time of opening the account, I was required to wait for a lengthy period before being properly assisted, which was frustrating and set the tone for my overall experience. On the same day, I deposited a check. I was informed that the funds would be placed on a XXXX hold, which I accepted. However, after the initial timeframe, I was notified that the hold would be extended to XXXX days, and then again to XXXX days. 
This lack of consistency and transparency has caused me significant frustration and financial hardship, as I have been unable to access my funds for essential expenses. I understand that under XXXX XXXX, banks are required to make funds available within XXXX business days, even for new accounts, with at least a partial amount released within XXXX business day. To date, no portion of my funds has been made available, and I have not received a satisfactory explanation for this extended hold. 
I have repeatedly sought assistance to resolve this issue by contacting the branch, including speaking with XXXX XXXX XXXX XXXX. Unfortunately, I was dismissed and denied meaningful assistance. The lack of customer care I experienced makes me feel undervalued, and I can not help but feel that I am being treated unfairly, potentially due to discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

I co-signed for a loan for my fianc. I pay the loan monthly through autopay. For XXXX months this loan was not on my credit. In XXXX they added it due to disputes I opened. Only for the balance to be incorrect. And all of my previous payment history not reported. I have made ( XXXX  ) payments on this loan at {$1200.00}. The balance should be {$41000.00} if it was {$62000.00}. The interest fluctuates. I feel my payments are not being applied correctly. I have tried to fix this issue many times. At this point I want this loan removed from my credit. I feel I fall into the class action lawsuit they had last year. My loan was originated at the beginning of 2022. They added this onto my credit knowing I fall into this class action lawsuit. I am asking this account be removed and my payments applied be refunded to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Bankruptcy Court of public records on my credit file they sent letter ( see attached ) that they do not verify. XXXX  state that it was validated but neither sent me requested information. Or remove items from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights and Federal Law has been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

FLAGSHIP CREDIT HAS BEEN DISPUTED WITH ALL 3 CREDIT AGENCIES FOR INCORRECT REPORTING, CREDITOR NOT VERIFYING AND VALIDATING THE DEBT, SHOWING ANY PROOF OF CONTRACT WHIT VIOLATES 15 USC 1681 CONSUMER REPORTING LAWS. THIS ACCOUNT NEEDS TO BE REMOVED FROM XXXX AND XXXX, AS XXXX HAS ALREADY REMOVED THE ACCOUNT. THERE IS NO SET CONTRACT WITH FLAGSHIP WHICH PROVES THAT THEY WERE NOT GIVEN PERMISSION TO REPORT AN ACCOUNT TO THE CREDIT AGENCIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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
Product: Debt collection

I had XXXX back in XX/XX/XXXX. I was on on parents medical insurance and didnt think much about the bill. Turns out, my parents medical insurance for me did n't work because it was n't properly filled out at the Hospital. I did n't even know I had any medical bills to pay until I checked XXXX XXXX in XX/XX/XXXX. I never received a letter, phone call, or any type of notification to pay this bill from the Hospital or Debt collector. They put a derogatory mark on my credit and knocked it down over 100 points. If I knew I even had a bill, I would 've paid it to avoid the hit on my credit.
Product: Debt collection

Penn Credit called me repeatedly after asking them to stop due to an illegitimate debt. The Agent on the call today took an extremely aggressive tone from the start and got more rude when I asked for a moment to verify that their phone number was one from the company they claimed to represent ( Penn Credit ).

I asserted my rights not to be treated abusively and was escalated to a manager whom I informed that I would be filing this report, requested that they review the recording and requested again that they stop calling me.