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

XX/XX/XXXX I received a fraud alert on my phone from Chase regarding 3 suspect fraudulent transactions that occurred at a gas station in XXXX XXXX, CA. I immediately responded to the alert, while working, and called the number to verify that this transaction was not authorized by me. At this time my debit card was in my possession. A claim was opened and temporary charges were credited back to my account. At this time, I was not informed to call merchant and/or file a police report. 

XX/XX/XXXX I received an update on the claim, that stated " We found the transaction ( s ) was processed correctly or was authorized ''. 

XX/XX/XXXX I was not instructed that I would get a letter with updates, but only found the letter, dated XX/XX/XXXX, within my online bank account profile on XX/XX/XXXX. I immediately called and reported that I did not agree with their findings. Although, at this time the findings that they had presented to me over the phone were extremely confusing and not explained thoroughly. The claims specialist reported that the claim could only be reopened if I submitted evidence to prove that I did not authorize the transactions. The claims analyst did not provide me with any additional support regarding evidence that I needed to submit. I was still not advised to file a police report. I collected evidence to prove that I was working several miles away from the fraud location with the debit card in my possession. I faxed it the claims department on this day. 

XX/XX/XXXX I called Chase claims department to receive an update. I was advised that it would take 3-5 business days to review the evidence that I had provided and that I would receive a call from a claim 's specialist to review the results. 

XX/XX/XXXX I did not receive a call. I then checked my online account for letters/statements and discovered a second update letter dated XX/XX/XXXX that stated " transaction ( s ) was processed correctly or was authorized. '' I proceeded to call the claims department and spoke to specialist that was not able to explain the reasonings/research which resulted in the denial of the claim. He stated he could no longer reopen the claim. I asked to speak to his manager, XXXX, who reviewed the case and reported it wasn't that she did not believe me, but that there was not anything else Chase could do for me. 
I then called the merchant and made a claim. I received a call from the merchant, XXXX, soon after, who stated that the transaction was made on an outside gas pump by a man with a XXXX pick up truck. 
Right after the call, I filed a police report. I then called what I thought was the fraud department at Chase, but ended up being customer service. I was hoping to speak to a fraud analyst who would be able to help me understand why the claim was denied, but I was directed to claims department who I have determined to not be helpful after the 8th interaction/call that I have had with them.
Product: Vehicle loan or lease

I was in a car accident on XXXX driving a brand new 2022 BMW that I had leased 3 weeks prior. The value is a {$48000.00} vehicle. The other driver rear ended me ( admitted it was his fault ) and I was just notified my car was totaled and can't be repaired. My insurance carrier is XXXX XXXX so they are now in litigation with the driver 's insurance company ( XXXX ) to get my claim paid. Until that is resolved, my insurance company has " paid '' the claim. This is where the issue is. My insurance company ( XXXX ) is paying the full value of the vehicle to BMW XXXX ( leasing company ) instead of paying them the remainder of my lease and paying me the difference. They are telling me that they had planned on paying out my lease and then paying me the difference but BMW Financial will not allow them to do it. I put {$10000.00} down on my vehicle that I had for only 3 weeks. Therefore, my insurance company is refusing to pay me what is owed back to me and paid the full amount to BMW Financial. 

I contacted an attorney and he said it is my insurance company 's responsibility to " make me whole again '' like I was before the accident which means they should be required to pay me the {$10000.00}. They are refusing to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two collection accounts on my credit file that are fraudulent. Equifax is allowing this miscarriage of justice. XXXX XXXX once said, injustice anywhere is a threat to justice everywhere. Equifax is only concerned with promoting their BRAND. XXXX XXXX XXXX/XXXX XXXX, and XXXX XXXX XXXX. has ruined my life. 
I can not get a V. A. Loan because Equifax is permitting these horrendous, horrifying, and horrific deeds. This is 100 % identity theft and Equifax ; XXXX XXXX XXXX. XXXX XXXX/XXXX XXXX does not care. C.F.P.B. must protect me from these bandits. It is all about their BOTTOM LINE. 
Each time these items are removed XXXX, XXXX/XXXX XXXX puts it back on my credit report, and Equifax is sanctioning it. They are trying to collect a debt that is not owed, fraudulent, and it should not be reported to my credit file. I have a police report! As a Veteran who fought for this country, and a XXXX XXXX XXXX XXXX they are treating me like the scum of the Earth. 
Please help protect me against these atrocious, and unspeakable parasites of a company. Please help!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent cfpb lawsuit Highlighting significant issues with the platform. Despite numerous or 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 tracking these transactions was unfeasible. The cfbp findings that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit system leaving me and users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Money transfer, virtual currency, or money service

I have a chime checking account. using chimes pay anyone feature I sent money to another chime account to pay them to come clean my home, I only did so because we banked in the same institution so I thought I could trust that if there were any illegal or funny business that my bank would help me get it fixed, well when they received the money the individual stopped all communication with me and so the only thing I had was the transaction to their chime account to go by and to try and get my money back. Within XXXX minutes if this having taken place I spoke with chime and was informed that there's absolutely nothing they could do, they aren't going to investigate this scam, XXXX XXXX XXXX in any way for my XXXX loss, and that there was nothing they could do. I asked for that in writing to an email so I could have it for my records. I was refused for " security reasons '' I then asked for the number to this agency and was told I could receive it but when I said I couldn't write it down and asked that they email it to me they refused. When I asked for a transcript of our conversation to be emailed to me since we were on a recorded line I was again refused and hung up on for " security reasons ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions
Product: Checking or savings account

On Wednesday XXXX I was supposed to receive my direct deposit. I did not. We got a email the next day saying that deposits were delayed, but should be resolved. 
I was told it would be resolved by the end of the day Thursday. 
It was not. 
Now it is almost XXXX XXXX  on a holiday weekend Friday and I do not have my money. How am I going to pay my bills?
Product: Mortgage

I HAVE A HOME OWNERS CLAIM THAT SHOULD HAVE BEEN SETTLED WHY FREEDOM IS IN THE MIDDLE OF THIS IS BEYOND MY IMAGINATION THEY WANT IRS W9 FOR CONTRACTORS AND ARE TRYING TO HOLD FUNDS UNTIL JOB IS COMPLETE NEVER EVER HAVE I HEARD OF THE MORTGAGE COMPANY HAVING TO ENDORSE A CHECK MADE OUT TO MYSELF AND THEM AND THEN SEND ME A SEPERATE CHECK FOR THE AMOUNT THIS CLAIM WAS PUT IN IN XXXX EVERYTHING IS SETTLED EXCEPT FOR WITH FREEDOM THEY ARE HOLDING UP THE ENTIRE PROCESS
Product: Credit reporting, credit repair services, 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.

has violated my rights. Or list of inquiries 1

5 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

Equifax has some kinda of block on my credit file. I sign in to equifax XXXX my credit report does not display and I can not lock my credit file. when i call the customer service number I am told I dont have a credit file. XXXX XXXX worked for me only on 1 day XX/XX/2017 and one day only. After that equifax placed some kinda of block preventing my credit report from displaying.
Product: Checking or savings account

I am XXXX and on XXXX XXXX. I receive XXXX XXXX income through a Huntington Bank account. The bank ceased my account. On Wednesday, XX/XX/2023, night, I received several email notifications of a low account balance. The following morning, I went to the local branch at XXXX XXXX XXXX in XXXX XXXX, Illinois. I spoke to XXXX XXXX XXXX who was in a managerial position about my situation and told her about my XXXX XXXX account. I told her that I have some scheduled bills to be paid in that account. She asked me to see a teller, XXXX XXXX who made several unsuccessful phone calls. 
The same day, I called Huntington Bank 's headquarters in Ohio. I spoke to XXXX ( not sure of spelling ) about my problem. She was civil and sympathetic. She connected me to her supervisor XXXX. XXXX would not give me any other type of identification after listening to my problem. I requested their legal department, but she connected me to XXXX in Court Order Processing Division. He made several fruitless efforts to reach somebody in their legal department. He promised that somebody from that department will call me, and nobody called me back, instead, my account is constantly adjusted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my ( name of the credit bureauXXXX XXXX and/or XXXX ) credit report. My latest credit report shows 5 credit inquiries that I did not authorize XXXX XXXXt XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX ( ALL ACCOUNTS ) XXXX XXXX ( XX/XX/XXXX ), 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, nor use my SSN without my consent or permission. 


LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER IIA 1679c Quick search by citation : Title enter title Section section 15 U.S. Code 1679c - Disclosures U.S. Code Notes prev | next ( a ) Disclosure required Any credit repair organization shall provide any consumer with the following written statement before any contract or agreement between the consumer and the credit repair organization is executed : Consumer Credit File Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years. 

You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud. 

You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations. 

You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it. 

Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur. 

You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I called the companies and advised them that I had no ideas where these inquiries came from. They told me to contact Equifax and ask that they remove them because each company stated that have no idea where they came from either. 
XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX
Product: Checking or savings account

This is my third complaint against Bank of America. They ( without any notice or warning ) closed my account. I had reported them to the CFPB, XXXX, FDIC, and filed police reports against them. I believe this is why they closed my account. The reason I filed complaints was because they allowed another " valued '' bank of america customer steal {$6900.00} from me. The closed my account without any warning which left me without needed medical supplies. This bank never ceases to amaze me. They are the worst, and I will continue to blast them in every social platform possible.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX  credit said that they will send me a letter in 7 business days for my records the letter was to state that I have been removed from their company as an authorized user as per my request since XX/XX/XXXX they stated to me that I am no longer an authorized user since XX/XX/XXXX my mother is the account holder and she had to make several requests for them at that time to get me removed initially I was informed again in XX/XX/XXXX while I was working with a XXXX XXXX XXXX XXXX that XXXX was still appearing on my credit reports as an open account although they tell me on the phone that I am no longer an authorized user since XX/XX/XXXX I would like for them to report the correct information to the credit agencies they have been reporting false information for 12 months and me and my mother who is the account holder have called them over five times now they keep saying that a letter will be sent to us stating that the problem is corrected and no letter ever appears they also state that the credit agencies have been informed to remove me as an authorized user since XX/XX/XXXX XXXX
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. 


I told XXXX, Transunion, and XXXX to reinvestigate this account : XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX
Product: Debt collection

Sequium Asset Solutions , LLC has placed a collection account on my credit reports that I do not owe them. I have never done any type of business with this company nor have I ever heard of them. I've never received any services, merchandise, or any sum of money from this company. 

I received a collection letter from Sequium Asset dated XX/XX/2022. I sent them a letter on XX/XX/2022, asking for validation of the alleged debt showing that I legally owe them but I never received a response from the company. Instead, they place the frivolous debt that I do not owe them on my credit reports. 

Oddly enough I received a letter from a totally different company for this same frivolous debt and the account was previously placed on my credit reports but was deleted because I didn't owe them either! 

So as stated before I have never done business with Sequium Asset Solutions , LLC nor have I ever heard of this company. I've never spoken to a representative from the company. There is no contract containing my wet ink signature and the signature of Sequium Asset Solutions , LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included these in my previous Complaint & I am including these again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$12000.00} US DEPT ED XXXX Balance : {$5000.00} US DEPT ED XXXX Balance : {$6200.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Mortgage

I have received 2 notifications for a shortage in my escrow account. I asked the company how much the shortage was, and sent in the shortage amount stated. They then raised my payment amount anyway. 2 months later, I received another statement stating my escrow account was short again, and that they were going to again raise the payment to accommodate the shortage. I called to inquire why the 2nd shortage came up only 2 months after the original notice for the escrow shortage. I was told that they had to do 2 different evaluations on my home due to a new California directive. I again asked how much it would take to pay the shortage so my payment would stay at the original amount I had financed. They again told me that it would go up to cover any future shortages. I then filed a complaint through HUD and the loan company finally said my payment would go back to the original payment, but not until XXXX XXXX, 2023. I investigated the reasoning for the shortage and found out that it was due to an increase in my homeowners insurance. I switched insurance and had the payment lowered quite significantly, and told the lender I wanted to see the difference on my new payment amount. 

Since then, I have received another 2 notices now saying that when I switched to the new homeowners insurance there was a lapse of 1 day from the old policy to the new policy. I told them that the existing canceled at XXXX am on XX/XX/2023, and the new insurance started at XXXX am on XX/XX/2023 which meant that there was no lapse in the coverage. However, they insist that this is not true and that they were going to charge me the 1 day difference, and put it into a new payment including interest, late fees, taxes, etc. unless I paid the difference. That is why I'm filing this complaint as I am really upset with all these unbelievable charges they are trying to put on this loan.