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

on XX/XX/2023, i went into my local Chase Branch ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) after applying online for a checking account ( I finally applied after receiving nurmerous emails for an offer for {$300.00} in checking and {$200.00} in saving ). After applying online I was told in an email, to arrive to my local branch for identity verification. When i arrived to the local branch, i brought my identification and my coupon offer, and met with XXXX ( Banker ) who assisted me with opening my account! XXXX reassured me, that i would receive my offer! The account opening process went ( for what i thought was smooth ) and i left chase bank with a smile as a new customer! 

Well a few weeks passed and i noticed something was off, so i called the customer service line, only to be told that my local branch only applied the saving account bonus portion of the coupon! Well, i knew that couldnt be true because before i left, XXXX went over the terms and agreement and showed me where my coupon was applied! and I not only opened up a checking account but i was told from XXXX that i must open up a savings account as well to get both of the offers, so i proceeded to go back and forth with the customer support agent, untill I was transferred over to a supervisor who told me, that my local branch manager was the one who can fix the mistake! 

I immediately went to the local branch the next morning, a teller assisted me, because the branch manager was on lunch and she also reassured me that it was a mistake on there part, and she wrote down my information and the coupon code and told me she would pass that information over. After not hearing anything, i called the customer service support line again, to see if the coupon had been applied correctly and was met with a rude customer support agent that pretty much told me that it was my problem and im out of luck! So i then called my local branch again only to be told to " email the branch manager the coupon '' and she would get back to me! Well i did, and i still havent heard anything back! Im assuming chase has no plans to hold there side of the bargain, i felt like i was baited and switched!
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. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

When I contacted the company they advised that they did both have the debt and told me I had to contact another company which is not the company showing in my credit report.
Product: Credit reporting or other personal consumer reports

I am filing complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ), 15 U>S>C> 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I Request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service 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 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 redres for these violations.
Product: Credit reporting or other personal consumer reports

as my lawful and rightful consumer declaration of recently and currently discovered items with probable fraud that are not certifiably compliant in reporting and/or otherwise appear to be deficient in its reporting status ' as reported when reported. 
Furthermore, this XXXX XXXX serves as my consumer 's rightful demand for a sufficient investigation/reinvestigation into every part of any delinquency and or disparaging data charged of me to ensure the sufficiency of lawful reporting!
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXXReport Number XXXX was generated by Experian about XXXX XXXX   XXXX. They deleted the account due to Fraud and inaccurate information. The company XXXX XXXX XXXX then fraudulently changed the account number on the item, and Re-reported it as NEW debt. This is illegal. I contacted experian and they said the information is accurate. I submitted proof and FEDERAL TRADE COMMISSION reference numbers to prove fraud was reported about my personal info. STILL they allowed this company To say i have a debt I never had. This is illegal, and the partnership EXPERIAN has with its vendors is QUID PRO QUO, because they are being PAID by their clients they post this credit information for. So they arent inclined to make a fair, thorough, or impartial decision when it comes to someones credit juxtaposed against what a creditor says. Please stop EXPERIAN and XXXX XXXX XXXX from committing such fraudulent acts. Your consideration in this matter is greatly appreciated.
Product: Credit reporting

Respected XXXX Please help as I am being harassed by these credit bureaus as they are not being fair in their reporting. 
Initially when I was doing short sale and loan modification, XXXX Bank had promised us it would not reflect on our credit reports and the only way the Federal law would allow us to " short sale '' or do " loan modification '' would be by missing payments for XXXX 6 months It has been XXXX 2009 and more than 7 years since the short sale of XXXX XXXX XXXX, XXXX XXXX and a similar amount of time since the late payments for loan modification for XXXX XXXX XXXX XXXX XXXX XXXX, but all the XXXX credit bureaus refuse to remove this information inspite of repeated requests, written letters etc. This is adversely affecting our credit reports and scores and we are ending up paying very high monthly mortgage for our primary residence. This is very unfair as all this information per law should be removed once it is 7 years old and any late payment information once its 2 years old, and this is because they repeatedly called and asked us to do it. 
Please see attached letter Due to this reporting my credit score has suffered for past 7 years and I have been paying an APR of XXXX when I can be easily eligible for an APR of XXXX or XXXX for the same Jumbo loan on my primary residence XXXX, XXXX XXXX XXXX, XXXXXXXX The extra money will help secure my child 's future and education and my wife and child 's security as I am the only earning member of the family I recently had XXXX XXXX at age XXXX and Thank XXXX I am completely XXXX free and expect to live a normal long life for XXXX XXXX years XXXX willing. 
However at this point I XXXX and need help from the Federal agency such as yours to correct these issues which are not fair. I know colleagues making much less and recent grads but because of their credit score they got much lower rates. My Child and family are entitled to the same level of security and I need your help I have been trying to refinance my mortgage for past 2 years and after months of paperwork am given the run around. 
All I can request is to please help and have the credit bureaus be fair and remove the negative information from all XXXX reports because in the first place I was promised they would never go on my file and second place it has been more than 7 years since the short sale and more than 2 years since any late payments. 
Please help resolve this as soon as possible, I have XXXX banks in their final stages of refinancing but are giving me higher rates just because of the negative information on my credit reports XXXX Keeping an excellent credit is my number XXXX priority SSN XXXX Thank you and sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

National Credit Systems , Inc. ( NCS ) is collecting an alleged debt on behalf of XXXX XXXX XXXX XXXX ( XXXX ). XXXX was the landlord on a rental property to which I was a lessee. XXXX claims that I owe {$420.00}. This amount consists of a {$730.00} Notice to Vacate charge and {$370.00} in maintenance/cleaning charges, less the amount from my security deposit of {$680.00}, which XXXX has kept. 

I have sent several responses to NCS demonstrating that the {$730.00} charge was improper and not owed to XXXX because their tenants did not vacate early and they paid rent through the end of the lease term. The lease states that this charge is not owed " if you are moving out on the Lease term ending date, '' which is when the tenants moved out. The tenants also properly executed a " Notice to Vacate '' and filed it with XXXX. 

I further challenged the {$370.00} in maintenance/cleaning charges, requesting backup to prove that all of the claimed charges were necessary and were actually incurred by XXXX. 

Even if XXXX can substantiate the {$370.00} in maintenance/cleaning charges, XXXX still owes me a REFUND of {$300.00} for the improperly assessed Notice to Vacate charge of {$730.00}. 

Despite my timely communications with NCS, they have failed to address my dispute of XXXX 's claim and have reported this debt to collection agencies, thereby improperly and unfairly harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

identity theft ... ive been XXXX  in XXXX since appx XXXX and yet still get credit opened falsely in my name in USA and XXXX ...... please not all my credit info was taken by XXXX and XXXX,,,,, ,my property, money, I.Ds and how can i complain if i dont have a usa address ... XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX how can i live survive without credit? what did XXXX do? i am not let to get an anual report free... i am a us XXXX XXXX XXXXXXXX XXXX XXXX veteran please help my email is XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX at XXXX XXXX, I received a text message from telephone number XXXX. The text reads as follows : Free Msg-Chase Bank Fraud Alert-Did you attempt a transaction for {$450.00} in XXXX, FL. Reply YES or NO or 1 To STOP Fraud Alert After the text message, a man called me from the number above. He introduced himself as a representative from Chase and asked me to verify my bank information. Just like some who work for the bank. Since I received a text message, I didnt find the call to be suspicious. The person seems to know all the transactions that have occurred on my card. He informed me the only way to stop further fraudulent charges, I will have to go to my Chase account online and transfer money from my XXXX account to XXXX. He assured me the money would be in my account and I should be able to continue to use my Chase credit card without further incident. The man instructed me to use my name ( XXXX XXXX ) as the receipt to make two transactions. The first in the amount of {$1000.00} and the second {$90.00}. Before the call ended, the man asked me to call XXXX to confirm the transaction. The man also sent me two five-digit codes for the transaction. XXXX and XXXX. 



An hour after the transactions occurred ( XXXXXXXX XXXX  ), I received a text message from XXXX. Someone attempted to make a purchase of {$24.00} at XXXX XXXX 's. My bank confirmed this is their number and all fraud alerts are notified with a five-digit number. 



Other transactions occurred on the XXXX of XXXX. I disputed the charges below with my bank and they were never charged to my account. The bank informed me the transactions occurred online from XXXX XXXX, Minnesota Zip code XXXX XXXX  {$68.00} XX/XX/2021 XXXX XXXX XXXX XXXX {$140.00} XX/XX/2021 XXXX XXXX XXXX XXXX {$260.00} As of today, the bank refused to reimburse me transaction that was processed through XXXX {$1000.00}. The reason is that I followed the instructions and made the transaction myself. 



On XX/XX/XXXX, I called XXXX. A man answered the phone and hung up. I also called ( XXXX ) XXXX, but a woman answered. Since I didn't respond, she sent me a text with the word, XXXX XXXX. 



I need to find a resolution to this problem. If the person who committed this fraud is apprehended, I am willing to press charges against that individual. Im also requesting {$1000.00} to be issued to my bank account. 

I noticed there were additional charges to my debit card and contacted the bank. Starting XX/XX/XXXX, someone used my debit card to purchase items from XXXX, XXXX  XXXX, and XXXX. I contacted the bank, and they investigated the issued and issued a refund.
Product: Mortgage

Wells Fargo Bank sent a letter stating that my home owner 's insurance had lapsed and that I needed to obtain insurance to avoid them forcing hazard insurance on the property. I secured an insurance policy immediately and sent them the information. In response, they said they were going to charge me for force-placed hazard insurance that they had not yet purchased but were planning to purchase for a time period that had already passed and during which no losses had occurred. I sent them a letter advising them that I object to this charge since it makes no sense to purchase an insurance policy for a period of time that has already passed. On XX/XX/XXXX, Wells Fargo allegedly purchased hazard insurance on my property for the dates of XX/XX/XXXX-XX/XX/XXXX despite having already received and confirmed receipt of my existing coverage, which was effective on XX/XX/XXXX. They then sent another correspondence saying they have refunded the amount due for XX/XX/XXXX-XX/XX/XXXX since the property is insured but that they are charging me {$1400.00} for the time period of XX/XX/XXXX-XX/XX/XXXX. This " coverage '' they are trying to charge me for was purchased on XX/XX/XXXX, which means it was purchased retroactively, which I believe is of questionable legality and certainly irrational. While they have added this amount to my mortgage balance, I plan to file a lawsuit and take this to court because I believe that they can not legally purchase insurance retroactively, particularly after having acknowledged that the property is currently insured. I believe there is something fishy about the relationship between Wells Fargo Bank and XXXX XXXX XXXX XXXX because why would an insurance company issue a policy retroactively unless there is some kind of collusion to swindle unsuspecting customers with this scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received mail from U.S Bank ReliaCard with a debit card attached. I did not authorize nor did I apply for any account and/or benefits associated with this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon pulling my credit report, I noticed that XXXX reported two accounts that I have no knowledge of with the amount of {$5800.00} and {$3500.00}. I asked them for proof of verification and to remove the account for inaccuracies. I did not get either request fulfilled. The account was removed from my XXXX  report but still remains on my XXXX  and TransUnion with payment history inaccuracies. The payment history states that I was on time in XX/XX/XXXX, but 90 days late the following month, in XXXX. Also, from XX/XX/XXXX to XX/XX/XXXX it states that I'm 120 days late each month. How is this even possible or allowed to come back as being accurate?! This violates the FCRA and I need this account remove promptly as it is not a clear representation of my creditworthiness. I have attached the files to show proof of the inaccuracies.
Product: Credit card or prepaid card

In late XXXX of this year ( XXXX ) XXXX transferred a number of accounts to Citizens bank. 

Previous to the transfer to Citizens bank I had an XXXX credit card. 

In XXXX, I noticed XXXX fraudulent charges on my XXXX credit card which I immediately highlighted with XXXX for concern. The first charge was placed on XX/XX/XXXX for {$98.00} from a business called XXXX. The second charge was placed on XX/XX/XXXX for {$2.00} from a business called XXXX. Neither of these charges were placed by me. I have never heard of this business. Despite reporting these charges on the same day I received notice of these reports on separate days. ( If necessary I can share copies of the confirmation documents for these disputes ). 

In XXXX, I finally received notice of the confirmed unauthorized use of my card from XXXX ( sent out on XX/XX/XXXX ) and the cancellation of said card. In the associated call with XXXX I was told the charges would be canceled and I should use the Citizens card as my new credit card. ( I can also share a copy of this notice if that's helpful ). 

In late XXXX, following the transfer I activated my new Citizens Bank card. Upon using it for coffee in early XXXX, I went online to check my account and I saw an extra {$100.00} in charges. 

I subsequently called Citizens Bank on XX/XX/XXXX to alert them of the issue. I was told the issue would be escalated and I would receive a call back in the next 7 days. 

On XX/XX/XXXX I decided to send Citizens Bank the documents I mentioned above. 

On XX/XX/XXXX, having received no calls back, I followed up about this issue and was informed that the issue was further delayed because " CItizens Bank mail had been returned to them '' so they would need to reissue my card. ( I have no idea how this is possible because so much Citizens Bank mail arrived just fine and they sent the new card to the same address ). 

On XX/XX/XXXX, having still heard nothing, I tweeted about the issue which led to a conversation in direct messages with a Citizens Bank staff member, and I received a message that the issue was " being escalated. '' On XX/XX/XXXX I received a call that the " XXXX 's XXXX '' would begin " researching the issue. '' The fraudulent charges remain on my card and my online account will require payment of these fraudulent charges by XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This will be the third case that I have submitted here. ( The following inquiry is unauthorized : Creditor : Bank XXXX XXXX Inquiry Date : XX/XX/year> ) Experian nor XXXX  XXXX XXXX have provided myself NO proof I initiated such inquiry, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE this authorized inquiry from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.Attach are copies of the letters that I sent out XXXX twice by mail and a copy of the second case that I submitted through CFPB, asking them to remove this inquiry. Experian and Bank XXXX XXXX have broken the laws ( the codes that they have have broken are below under the FAIR CREDIT REPORTING ACT ) I demand this get removed ASAP also I need to be compensating for my time, the affect that this has take on my credit, being unable to buy a home and continue to pay a high rent, the torment of having to go through this and the sleep that I have lost for months since the end of XX/XX/year>. {$5000.00} would be a good start. Again no proof has been shown through the CFPB nor by mail when I submitted the dispute to remove the inquiry at the start of this extremely long journey. I DID NOT AUTHORIZE ANYONE OR ANY COMPANY TO RUN MY CREDIT IN ANY SHAPE OR FORM *after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete* WHY HAS THIS NOT BEEN DELETED. 


According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX XXXX  is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of XXXX XXXX ss XXXX Returns Relating to XXXX Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Hotel and travel ) XX/XX/XXXX