23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I reported my credit card as stolen as soon as I was certain I did n't have it anywhere. When I called the credit card company we discovered there had been fraudulent charges. The representative informed me that they put a hold on my card due to suspicious activity. I was told I would be credited for the charges and an investigation would take place. A week later I received a letter explaining my claim was denied as they believe the card was in my possession. This is not true. These are fraudulent charges. I did not sign or put in my pin number for these purchases which I believe should act as evidence. If my credit card company investigated my usual activity it should be clear these purchases are not typical in my credit card usage.
Product: Checking or savings account

Subject : Unauthorized Monthly Fees Charged to My Business Account Complaint Details : In late XXXX or early XXXX, I opened a Chase business account that incurred a XXXX XXXX monthly service fee. A few months later, I decided I might not need the account and went to a Chase branch intending to close it. A Chase teller informed me that if I deposited {$2000.00} and left it in the account, the monthly service fees would stop. The teller guaranteed this information, so I deposited the {$2000.00} as advised. 

I trusted this guidance, checked once shortly after XX/XX/XXXX to confirm no fees were withdrawn, and left the account untouched. I did not use the account at all, and there was no further movement. 

Today, XX/XX/XXXX, I decided to close the account and retrieve my {$2000.00}. To my shock, only {$1600.00} remained. After discussing the issue with the branch manager, I was refunded {$100.00}, but I am still missing {$220.00}. I feel this is unfair and deceptive, as I relied on the information provided by Chase staff in good faith.

Additionally, I never received email statements about this account, even though I regularly receive updates for my other Chase accounts ( such as a credit card ). Since my Chase app was logged into my other account, I had no visibility into the fees being charged.

This situation has caused me financial loss and unnecessary stress. I deposited the {$2000.00} based on the assurance that no fees would be charged, yet fees continued to accrue without my knowledge.
Product: Checking or savings account

Bank of America close my account with no reason at XXXXBOA staff told me I will never get any reasons .They will sent about XXXX $ to my address for two weeks, but it is cost too much time for me .I need to pay the rent as soon as possible, so please sent my check quickly and tell me the reasons.
Product: Checking or savings account

WELLS FARGO during Covid accommodated And gave back overdraft fees during Covid and then all of a sudden after Covid ended put them all back onto the account at once to be paid so I close the account and want those fees to be removed
Product: Credit reporting or other personal consumer reports

Hi for some reason you guys are saying my complaint isn't me. Here I am again fighting to get my complaint heard due to my rights being broken. It's been more than 30 days since I haven't heard anything from the credit bureaus. I have unauthorized credit accounts on my credit report that are false Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I lost my job, I immediately call XXXX XXXX  to notify them I lost my job and was unable to make any payments at that time. Mind you every call is recorded for quality assurance - which I doubt. I've never missed a payment with them since consolidating my loans years ago. Since calling to tell them I have not been helped once. I've received calls periodically informing me I'm late on my payments, AGAIN with those same calls they make to me I've told them I lost my job in XX/XX/XXXX and have discussed this with several of their callers. One caller informed me to get online and fill out the deferment portion and submit it. I did that in XX/XX/XXXX/XX/XX/XXXX. I kept getting phone calls since and AGAIN explained my situation to them and yet nobody was knowledgeable to help me or would till the week of XX/XX/XXXX when XXXX ( employee id - XXXX ) called and AGAIN I explained to her my situation and her response was she couldn't believe nobody has helped me yet. She verbally told me she would be sending the deferment papers by mail this time along with a quality complaint form. I received a quality complaint form and immediately filled it out and mailed it back in. I also saved a copy for myself. I have not yet to receive the deferment papers in the mail yet. HOWEVER I have received a threatening letter from XXXX  XXXX  detailing me of my delinquency and is in danger of default, that was marked XX/XX/XXXX. Their claiming I'm {$1100.00} past due, and {$950.00} past due. I wouldn't be past due if they would of done their part back in XX/XX/XXXXwhen I phoned them immediately and explained my situation. I received a call from XXXX ( employ id XXXX ) the week of XX/XX/XXXX asking me about if I can pay the full amount. AGAIN I explained to him what I have been explaining to every other caller since XX/XX/XXXX, and just the week before to XXXX who told me she was not only sending deferment papers by mail to me but she's noting my account. XXXX was unaware of any of that. On their delinquency letter they have informed me that all credit bureaus are aware of my pass due. Again, no deferment papers have been received to my address XXXX XXXX XXXX, XXXX, MI XXXX. BUT they keep sending me bills, threats, and delinquency notices to that same address.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and found inaccuracies on an account that should not be on my report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account Toyota Financial Services XXXX XXXX XXXX Please investigate and provide proof with statements showing I was late. If proof can not be provided I demand that thes payments be updated to on time never late. Thank you
Product: Credit reporting or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address, these address do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting non mailable addresses that is causing me harm. I have sent numerous documents proving my address and Experian continues to report inaccurate information. My correct address is XXXX XXXX XXXX XXXXXXXX TX, XXXX. My name is XXXX XXXX. Please stop reporting any other information as it is not correct. 

162.6 Reasonable opportunity to opt out. 
( a ) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by this subpart. 

( b ) Examples. A reasonable opportunity to opt out under this subpart is : ( 1 ) If the opt-out notice is mailed to the consumer, the consumer has 30 days from the date the notice is mailed to opt out.

( 2 ) If the opt-out notice is sent via electronic means to the consumer, the consumer has 30 days from the date the consumer acknowledges receipt to elect to opt out by any reasonable method.

( 3 ) If the opt-out notice is sent via e-mail ( where the consumer has agreed to receive disclosures by e-mail ), the consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable method.

( 4 ) If the opt-out notice provided to the consumer at the time of an electronic transaction, the consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction.

( 5 ) If the opt-out notice is provided during an in-person transaction, the consumer is required to decide, as a necessary part of completing the transaction, whether to opt out through a simple process.

( 6 ) If the opt-out notice is provided in conjunction with other privacy notices required by law, the consumer is allowed to exercise the opt-out election within a reasonable period of time and in the same manner as the opt out under that privacy notice.
Product: Credit card

I hope this message reaches you in excellent physical condition.

I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : ( 4 ) The creditor 's failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement. ( 5 ) A computation error or similar accounting error made by the creditor on a statement. It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I falled to make a payment, resulting in an erroneous designation as late a sign of an invoicing error-therefore.I humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follows : " paid as agreed '' :
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
CREDIT REPAIR CONSUMER LAWS : Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Bank account or service

I bank with Chase, my employer also banks with Chase. Every pay period they manage to place a hold on my paycheck regardless of the fact that my check comes from their account and they are able to tell if funds are available ( in which our company has never had a problem ) I call almost every other week to ask to remove the hold and they promptly do and also advised that I will never receive an overdraft fee if they have placed a hold on my check as it is a result of them. Well this week they decide to reorder the way my transactions took place ( I check my account every morning ) the lower transaction was in place that morning and later in the afternoon I personally made another transaction that should n't have taken place until the following day but it did n't. I received a text a XXXX that night notifying me that my account was negative. Reality is that was my fault, I 'll take it, but what is n't is the following day the charges are reordered and I now have received a fee for the {$12.00} charge ( which was covered ) and the {$210.00} charge ( I earned that fee ) but what has really gotten me upset is that they also gave me a fee on the XX/XX/XXXX for a charge when I deposited my paycheck ( from a chase account ) in which the placed a 24 hour hold on ( which did n't bother me at the time cause I was told by a chase representative I would NEVER receive a fee for a hold placed by them ). This is now becoming excessive. I take care of a family of XXXX and do my very best to balance my money that I actually earned, and here is some bank that comes in and can take it whenever they find ways to ever so easily cheat hard working people out of the money they ACTUALLY work for. For years now the Federal Agencies have come down on the unfair practices in the mortgage industry but I 'm quite certain if maybe the FTC gave a real good look into the un-fudged records of the many banking customers they would find a plethora of unjustified fees we have been charged and we have no one here backing us up and making sure we get treated fair and just. So in the matter of 48 hours Chase bank has taken {$68.00} of {$100.00} that is unjustified and they have found a way to manipulate the system to work in their behalf and there is no real way I can fight this. I have been with this institution since XX/XX/2011 and have dealt with several fees and I will gladly swallow the ones I have earned. But I have a real big problem accepting the ones I did not. Sure I could move to another bank and close this account but the reality is all financial institutions practice the same slimy way so nothing is actually being solved.
Product: Credit card or prepaid card

To Whom It May Concern - I opened a US Bank credit card that was advertised as 0 % APR and with online features. Online statements were advertised as being the same as paper statements. My online statements reported no payment required for the life of the account. Also, no interest or late fees were charged on my online statements. My paper statements that I retrieved from the mail on X/X/2017 show payments were required, late fees were charged and the promotional APR was rescinded. All of this is documented in writing from official US Bank documents. US Bank refuses to discuss this matter and refers me to collections instead. US Bank is completely in error and causing me hardship because of their errors. Attached are the online and paper statements for XXXX 2017.
Product: Money transfer, virtual currency, or money service

Regarding Cardconnect, a First Data Company : Their risk department closed our account without warning. Of the five days worth of processed payment transactions ( Batch receipts for XXXX = {$490.00} ; XXXX = {$370.00} ; XXXX = {$190.00} ; XXXX = {$260.00} ; and XXXX = {$400.00} ) totaling {$1700.00}, we received nothing into our bank account. I called Cardconnect and their origination entity ( XXXX ) numerous times and was told our credit card processing account was closed by their risk department. They said that since the account was closed, the charges were not processed by Cardconnect. That means that services we provided were not paid for because Cardconnect said they didn't charge the money, even though we have receipts showing everything was settled successfully. There is no way for us to recover that money. We view this as theft on the part of Cardconnect.
Product: Credit card or prepaid card

I was charged on XXXX of XX/XX/2018 for a transaction on my university that I dont recognize and isnt applied to my university account. I noticed on these days because they wasnt sending my statements as required by law. I call to dispute the charge and discover dont know how to process a dispute, the dont contact the merchant. They do nothing about the dispute. And dont provide the required by law provisional dispute during the investigation. They dont know how to handle disputes, customer service or provisional credits. When I call the representatives ask for old credit cards that was losted, they dont know how to find a transaction or dispute. Im very dissapointed about this credit card. I dont recommend discover. Due to the poor quality of service. Mediocre.
Product: Checking or savings account

I have never done any business with XXXX. I looked at my Early Warning Systems report and seen accounts opened in my name that i did not Authorize. My address, Social Security number, ID and all my personal information was stolen from me and multiple bank accounts and credit card were opened in my name. I reached out to Chase bank regrading this and my initial claim was denied I was told by a representative that the person handling the account approved the claim and then went back to deny the claim i have attached proof from other financial institution where my identity was compromised and used to open multiple bank accounts. The claim initially filed by a representative was filed wrong and to make it look like i only wanted to file a claim on certain accounts and not other i told them I NEVER did any business with chase. attached is every claim number that was given to me. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. These are all the claim number that were filed when their should have been on Claim number for every account because i NEVER had XXXX single account with chase. I also will attached documents from other banks and fax the same information over again all my information was stolen from me and compromised and mail was being redirected so i never got any information regarding these accounts and that why i never thought ton report them and told everything was okay because the accounts were closed out with no balance.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - Balance : {$840.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$470.00} - Account # : XXXX XXXX XXXX XXXXXXXX - XXXX : {$190.00} - Account # : XXXXXXXX XXXX XXXX XXXXXXXX - XXXX : {$1100.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$8600.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.