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

On Friday XX/XX/XXXX I received notice by mail from Chase Bank saying that if I open a new checking account with direct deposit I was going to get {$200.00}. And since the company that I work for issue payroll Chase Bank check I went and opened a new checking account, I deposited {$100.00} on it. 

On TuesdayXX/XX/XXXX I deposited a check from XXXX  of {$1600.00} a loan that I got because I had an emergency. I could only get {$200.00} out it. 
Because they said the found will be the next day. 
The next day I went into the bank to get some money out {$1500.00} on the balance that I had. And my surprise was that they told me, that my account was closed, they also told me that they were going to send by mail check of {$1400.00} that I have not received yet. 

I been going since them to the Chase Bank on XXXX XXXX XXXX XXXX XXXX, CA XXXX any luck to get my money reimburse. Until I finally were able to speak with XXXX XXXX XXXX ( Personal Banker Officer ) Who helped me to open the checking account and made a formal complaint on XX/XX/XXXX. 

Today XX/XX/XXXX I still waiting for my money back.
Product: Money transfer, virtual currency, or money service

**What happened? ** On XX/XX/XXXX, I sent a {$100.00} Zelle payment through my XXXX XXXX account. Unfortunately, the payment was sent to the wrong recipient due to an error. I immediately contacted XXXX XXXX 's customer service to report the issue and requested assistance to stop or reverse the transaction before it went through. 

At the time, the payment appeared to still be pending, so I expected the bank to take action to prevent the funds from being sent. However, the representative I spoke with told me there was nothing they could do and blamed me for the mistake. 

It is extremely frustrating that, despite my quick action, no effort was made to resolve the issue. I believe XXXX XXXX should have taken more responsibility in assisting with this situation and provided better support. I am requesting a review of this matter and assistance in recovering my {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a formal complaint against Equifax for violating my FCRA rights. I've sent several letters to Equifax to try and get them to investigate these inaccurate accounts on my behalf. Due to the security breach I am concerned that they have not responded to my requests. They haven't done anything to help me get these inaccurate accounts and errors removed so I am reaching out to you for help. I have attached the last letter I sent them so you can see all of the inaccuracies in their reporting. Please help me get these accounts removed.
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 items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 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 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
Product: Credit reporting or other personal consumer reports

Equifax does not provide support to customers. Their phone line does not transfer to a representative even though their automated options don't provide the service needed. It says to go to the website, but the website does not work. The customer service line takes you to representatives who have only prescribed answers to questions you are not asking -- they can not understand a unique question and keep repeating the same irrelevant answers word by word, or worse, referring you to the website that doesn't work. I asked to speak with a supervisor and got transferred to other incompetent representatives who insist on going through the same " verification process '' over and over each time. I finally got a rep who agreed to transfer me to a supervisor and was then told the " supervisor line '' was busy! None of this is my fault. I had to have my credit frozen because of the hack in XXXX  and have been put through this customer service XXXX every time I need to coordinate a temporary " unfreeze ''. Who will hold Equifax accountable for their atrocious customer service? What a terrible company. I question whether we should trust them to make determinations about people 's credit.
Product: Mortgage

We experienced a natural disaster on XXXX XXXX XXXX and have had many difficulties from New American Funding. Our insurance company was very pleasant to work with but New American is not being easy to work with on getting our home back into order. We still continue to have a hole in our roof and it's XXXX XXXX XXXX. The lack of urgency and care is so inhumane. We are at a loss with them and have exhausted all resources.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

My bank account has had a consistent amount of income and fairly predictable expenditures for years now. 
Last week, I paid my rent through XXXX, ordered some XXXX gifts... all was fine. 
The next day, my cards started declining ( I have XXXX checking accounts/ debit cards and XXXX savings account with Citibank ) but I received no warning of fraudulent charges or a reason why this would be happening. 
I was also suddenly cut off from access to online banking so I could not even check my account balances. 
I called Citibank and they told me that my accounts were flagged for fraud but they didn't have a specific transaction to verify with me at the fraud department ( as is usually the case when they are skeptical of my charges ) and told me that I should wait for a letter to arrive in the mail within 10 business days that will tell me how to restore my account. 

The next day after that I received 2 emails that told me each of my accounts were closed due to violations of account guidelines. 

I immediately called Citibank to inquire about how I had violated the guidelines and what would happen to my money. 
They did not tell me at all how I had violated guidelines and simply kept telling me that my account would be closed within 60 days and IF Citibank determined that any of the money in the accounts were mine that they would mail me a check within 60 days after that. 

I asked the representative what he meant by " IF Citibank determined that any of the money in the accounts is mine '' and told him that I am the account holder, I put all the money into the account... who else 's money would it be? 
The man simply replied " Ma'am, if Citibank determines that any of the money in the account is yours, it will be returned to you by check within 60 days of account closure. '' I never received the letter that they originally mentioned would come with information to restore my account, my local bank manager isn't able to access my information, calling and talking to someone at CitiBank is hard because my card and account numbers are no longer recognized as a form of identification necessary to speak to the reps.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXXXXXX XXXX XXXX  XXXX Equifax : XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation. 

EACH BUREAU IS REPORTING DIFFERENT ACCOUNT STATUSES, DIFFERENT REPORTING DATES AND AMOUNTS/BALANCES
Product: Vehicle loan or lease

I purchased a lease to own car from XXXX XXXX leasing on XX/XX/2015. The terms of the deal were that I had to pay {$130.00} every week for 3 consecutive years. I kept up my side of the deal as far as making payments but after the second year I gave the company {$8000.00} in advance to buyout the final year of the lease. The original company whom I obtained the lease from XXXX XXXX XXXX XXXX has since sold the company to a new company called ( Fair ). Fair is  now saying that they never received the money from my {$8000.00} payments even though my bank XXXX XXXX is indicating that the money did indeed go through and no reversals were made. I have received emails from the original leasing company with confirmation numbers and receipts to back up my claims. My car has since been wrongfully reposed and the company is now saying I owe $ XXXX.I contacted the company and requested an itemized accounting of my payments and they have refused to provide me with my records.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts on my credit report, as I have recently discovered that I am a victim of identity theft. The following accounts were opened without my authorization and are damaging my credit score at a critical time. These fraudulent accounts are not mine, and I request that they be removed from my credit report immediately. 

The accounts in question are 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  ) I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I when to make a purchase at a store and they offer me a 20 % discount if I apply for their credit card, when the report came back it was showing some accounts that were no mine, that as when I learn that my identity was stolen and my name was used to create fraudulent account in my name, this report is the first step to document this incident and hopefully the start of cleaning my name. 
Also an FTC report was filed containing the detail of these account Thank you.
Product: Credit reporting or other personal consumer reports

I sent equifax credit bureau a letter to verify XXXX XXXX  account number XXXX wasnt not mine U.S Code 1681b states the credit reporting Agency doesnt not have the right to report anything on my credit report without my written instruction. I never gave them written instruction to report anything on my credit report. 15 U.S code 1681c Identify theft prevention ; fraud alerts and XXXX XXXX XXXX. State without my written instruction this is consider as identity theft. On XXXX this account was deleted from my XXXX XXXX credit report but came back verified on my equifax credit report how is that possible when the equifax credit bureau properly investigated the information reporting on my credit report in accordance with the fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. I need proof on how did they verify this account or delete it immediately or I want a XXXX dollars for every violation as they violated my rights even more.15 U.S.C 1681 section 602 A. State I have the right to privacy
Product: Money transfer, virtual currency, or money service

Coinbase Account. Case number XXXX ; Case number XXXX. 
Unable to log into my Coin base account. Need tax statement for filing. 
I have been locked out of my account since late XX/XX/XXXX. I have repeatedly contacted Coinbase CSR and emailed ( help @ coinbase.com ) on my accounts status. To date, the account is locked. 
Time-line. 
Date Response XX/XX/XXXX Called CSR, was told to email my request. 
XX/XX/XXXX Emailed, received back a Case number XXXX. I would receive a response back with 15 days. 
XX/XX/XXXX Called CSR ; XXXX looking into my request ; no time line. Gave me the Case number XXXX XX/XX/XXXX Called CSR in process ; will send an email. 
XX/XX/XXXX Called CSR in process ; will email XX/XX/XXXX Email Coinbase looking into my case XX/XX/XXXX Emailed Coinbase email address in no longer enabled.
Product: Debt collection

F.H. CANN & ASSOCIATES , INC. threatened to XXXX, and XXXX  my XXXX  if I didn't pay this debt, I ask them to submit proof that I owe this debt, I was told I would lose my job and they would take my home.
Product: Credit card

While trying to complete a purchase in the XXXX XXXX, using the XXXX XXXX, verified through my XXXX with XXXX, the transaction was declined for " my safety. '' How convenient that the XXXX time the card is to be used for the benefits it advertises and the transaction is blocked. There couldn't possibly be a more verified or legitimate transaction. 

My account is then suspended for " XXXX business days '' again for " my safety. '' The truth is that Goldman Sachs doesn't want to pay the XXXX  % in cash back on XXXX products, so they block it. 

The rep I spoke with was disgraceful enough to say, " well, you can just go back to the store when this suspension is lifted. '' This is not the first time Goldman Sachs has been a problem. They hide behind the XXXX interface, but they are truly horrible people and horrible to deal with.
Product: Credit reporting

i just ran a credit report on myself, and could not print an online copy due to what seems like identity fraud. I have seen on my report from equifax that someone has opened a mortgage loan as well as a a car loan and credit card under my information, when I have n't done this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, Equifax and XXXX about the fraudulent student loan accounts on my credit report. I have submitted a federal trade commission affidavit, police report and notarized letter explaining the fraudulent information. I demand for the information to be blocked and removed per fxra section 609.
Product: Bank account or service

I have a Home equity loan that was opened in XXXX XXXX. Huntington National bank has sent me a letter dated XXXX XXXX XXXX saying my ten years for my access of funds expire in four months. Then someone from Huntington calls me and takes my income information and sends me a letter that they need to get my income to debt ratio corrected. So they want to increase my credit line at a higher variable interest rate of 4.50 % presently 2.50 % and pay off my car and credit cards. It sounds good but they did the same thing last year and that guy said I did n't qualify for the new loan since I retired and so nothing changed, I could access my credit line and just pay interest if I want. Both time they said if I do n't get the new loan I will need to have a 20 year loan and pay monthly payments 5 times what I am paying now. I do n't understand why did n't this happen in XXXX XXXX instead of now? I told this last lady that I guy from your bank called me for the same thing last year but I did n't qualify for a new loan and she said well I will check but have not heard back from her about that. Just an email saying how happy she was that I was initially approved for the loan but needed to send in all my income proof. And another lady would be calling me. I just do n't understand any of this? Are they just trying to get me to pay more interest and a larger loan?
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently did an application for an apartment in XXXX and was denied and told by the apartment that two of my credit cards with the same company was closed. I was told by the apartment that the company closed my accounts in XXXX without notice or my knowledge. I immediately called XXXX  XXXX XXXX and was told that my accounts were NOT closed. I checked all 3 credit bureaus and they indeed closed and sent out information to all three bureaus stating my accounts were closed. I called again and multiple customer care agents state that the accounts were not closed but my credit line was suspended and that this was their policy. I understand but why would you send out to the bureaus that the accounts are closed when they are NOT there is a major difference. I attempted to dispute this with all three bureaus with no success. Because of how they reported it dropped my score significantly and is currently hindering me from getting approved not just for these apartments but for others as well leaving me XXXX. It is unfair reporting and someone should make XXXX XXXX XXXX specify the difference of a revolving account and a closed account. If my accounts are NOT closed why would you report it as such. Ive called them multiple times requesting that they provide a letter to my apartment complex explaining the situation and they stated no that they could not and will not do such thing. I also demanded that they report fairly and accurately to prevent future situations like this
Product: Debt collection

Chase Receivables - Continues to call my place of work, attempting to collect a debt that is not mines and i have no knowledge of. 

I have told them several times to stop calling here - this is a company phone and they are not allowed to call here. 
they continue to call here and ask for me and harrass me at work.
Product: Credit card

I disputed a charge on my Capital One XXXX XXXX bill where I booked a hotel room and it was not as described. Specifically, it was on the 5th floor and advertised an elevator and XXXX  neither of which were working. Due to medical conditions, this was not feasible for us to stay there and climb so many stairs multiple times a day or be without internet because we needed it to work. We requested repairs to these things, but it never happened and we eventually left and booked another room at a hotel down the street. I asked the original vendor for a full refund and they agreed, and then never gave the refund. I disputed with Capital One and they refused it and said I needed to send more information. I sent the exact information they asked for and they immediately sent back an automated form letter saying that I didn't send them any of what they asked for so they were closing my case. 
Attached is the most recent letter I sent to Capital One that describes the issue in great detail and also shows proof of the events as they happened.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Action Required : Fraudulent Account Dispute To Whom It May Concern, I am writing to formally dispute the fraudulent account opened under my name, COMENITY BANK/XXXX XXXX XXXXXXXX, with your company. This account is a clear case of identity theft, and I demand an immediate and thorough investigation into this matter. 

I have not authorized any activity or granted permission for an account to be opened under my name. I was shocked to discover that [ provide details of the fraudulent account, such as date of discovery, the nature of the fraud, any suspicious transactions, etc. ]. This account is not mine, and I have never had any intention of engaging in such activity. 

I request that you : Immediately freeze and close this fraudulent account to prevent any further unauthorized transactions. 
Remove all fraudulent charges or activity from my name and credit record. 
Provide a written confirmation that this fraudulent account has been permanently closed, along with a detailed account of the investigation conducted. 
Ensure that this fraudulent account is not reported to any credit bureaus in connection with my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT CERTIFIED LETTERS TO EQUIFAX TWICE IN REGARDS TO THESE INQUIRIES EQUIFAX MORTGAGE SERVICE- XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX AND XXXX XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX   - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX- XXXX AND XXXX AND THEY KEEP TELLING ME THEY ARE A FACTUAL I SENT IN A IDENTITY THIEF AFFADAVIT AND THEY HAVE STILL IGNORED ME WITH THE AMOUNT OF IDENTITY THIEF THEY KNOW BETTER ALL THEY DO IS SEND THIS INFORMATION SOME WHERE IN ANOTHER COUNTRY AND THEY NEVER READ OR INVESTIGATE ANYTHING HOW WOULD THEY FEEL IF THE SAME THING WAS DONE TO THEM THEY ARE IN VIOLATION OF THE FCRA THEY ARE SO CROOKED