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

On XX/XX/XXXX and approximately XXXX I went to the Chase Bank drive thru ATM at the XXXX XXXX XXXX on XXXX XXXX. I went to deposit cash worth {$1100.00}. While waiting for the ATM to deposit my money, it suddenly gave me a receipt to call the bank to check if my deposit went through and the ATM showed the screen of not being able to take any deposits or cash out at this time. Given the time, I did not call until opening ( website states XXXX, I could not reach anyone until XXXX ). I called their customer service number at XXXX and spoke to the representative that took in my claim along with all the information on the receipt the ATM gave me and assured me the money would be credited within 2 hours-2 business day. I told her I am flying internationally and she assured me everything will be taken care of. Trusting them, I waited the two days and did not receive the funds. I called again XX/XX/XXXX, and spoke to a representative who told me that I would have to wait an additional two days but was again verbally guaranteed my funds would be credited. I trusted their word as the bank representative and waited. Today XX/XX/XXXX and I called at XXXX and was guaranteed my funds within the day and was told to call before closing if I did not receive the funds. I called once more later in the evening XXXX as time was going by and I did not receive the funds. When getting on the phone with a claim specialist was told that my funds are not proven through my claim and I would have to wait for an investigation until the XXXX. This unacceptable as Ive been lied to on the phone by the past number of representatives, there was no communication towards the investigation just when checking they would have my funds in by 48 hours. No one told me the proper procedures to this until this current call on XX/XX/XXXX, all I was receiving when calling was false hope. Notes before in this report, Im currently out of the country without the funds that were suppose to be guaranteed to be for a week. I am barely surviving now due to Chases negligence. I spoke with a supervisor that kept repeating the investigation needed 10 days. She reported it would be finished by the XXXX but reported Chase is not closed for XXXX and given that my investigation should be done by the XXXX, again more lies and false hope. I am off on a remote island and the options they attempted to give me were not acceptable nor realistic. Chase attempted to report i needed to fax documentation for proof, despite having my information of the receipt from the first call on the XXXX. But when speaking with the supervisor she reported there wasnt going to be use to faxing it. More contradicting of all representatives. Chase made no accommodation towards my situation when Ive given them all the information and have been overly patient believing their false reports and resolutions. Please see attached for the receipt of the ATM and a screenshot of the time stamp of the ATM error screen.
Product: Credit card

Reference XXXX American Express practices unjust enrichment by using soliciting to reel people in from preapproval letters but later denying them. I do not think that it's fair to take my name/signature just to gain money whether I'm denied or approved for your company 's enrichment WITHOUT compensating me.

REQUESTED INFORMATION : Please provide the factors underwriters used based on the law to which I was denied.
Product: Checking or savings account

I had a fraud purchase from XXXX XXXX to my M & T checking account, i was originally credited back my money from the bank but a couple weeks later i got a letter in the mail saying my investigation was denied because i had authorized the purchase, which i did not. One purchase was for {$730.00} and another for {$25.00}. They told me to contact the merchant for my money back, but i need to figure out a solution now because my checking account is now in the negative because of them taking my money back.
Product: Credit reporting or other personal consumer reports

Subject : Dispute and Resolution Request Incorrect Reporting by Credit Reporting Agencies for XXXX XXXX XXXX : Personal Loan ACCOUNT NUMBER XXXX To Whom It May Concern, I am writing to formally file a dispute and resolution request regarding inaccurate reporting by credit reporting agencies, specifically related to a debt cancellation event supported by a 1099-C Form. This dispute centers around an account for which I have received a 1099-C Form for the cancellation of debt from the bank that identifies itself as the loan servicer. However, the outstanding balance on this account has not been correctly reported as zeroed out, despite the debt discharge. 

Account Information : Company : XXXX XXXX XXXX Account Holder Name : XXXX XXXX Account Number : Personal Loan ACCOUNT NUMBER XXXX Date of 1099-C Form : XX/XX/2023 The issuance of the 1099-C Form by the bank that claims to be the loan servicer signifies the cancellation of the debt associated with the aforementioned account. However, credit reporting agencies have not accurately reflected this significant event in their reporting. I believe that these agencies need to demonstrate a good faith effort to display the XXXX balance as the debt has been duly discharged. 

Enclosed with this complaint is a photocopy of the 1099-C Form for your reference. It provides clear evidence of the cancellation of debt associated with the account in question. Therefore, I respectfully request that the CFPB intervene to facilitate the following resolution : Resolution Request : 1. Immediate Removal or Correction of Reporting : Credit reporting agencies must promptly remove or correct the reporting of the account in question to accurately reflect a XXXX balance, consistent with the debt discharge as indicated on the 1099-C Form.

2. Cease Negative Reporting : Credit reporting agencies should cease any negative reporting associated with the discharged debt, including but not limited to late payments, defaults, or other derogatory remarks related to this account. 

3. Confirmation of Corrected Reporting : Credit reporting agencies must provide written confirmation to me within 30 days of receiving this dispute and resolution request, affirming that the account has been accurately reported with a XXXX balance and that negative reporting has ceased. 

I firmly believe that this dispute and resolution request will lead to a fair and accurate resolution of this matter. I kindly request that the CFPB investigate this issue and ensure that the credit reporting agencies comply with the applicable regulations and guidelines governing accurate and fair credit reporting. 

Thank you for your attention to this matter, and I look forward to a swift and accurate resolution. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, I filed a dispute with Huntington Bank, on a company that gave me the wrong product and would not give me a refund. I explained to them I contacted the merchant and they were not willing to help me. I gave them and simplified the issue in every way possible for them to understand that the product was not what I ordered. The product I ordered was a wig. The problem with the wig is that the density was not what I ordered. I paid {$100.00} more for density and that's what I expected, therefore the product was not what I ordered. The density is the fullness of the hair. If I purchased a density of 180 % I would only have to pay about {$150.00} but by me purchasing a wig for 250 % density it cost more. I paid {$240.00} for the wig. When I received the wig I immediately contacted the merchant. I sent photos to the company and Huntington Bank proving my claim. I also sent messages between the merchant and me to Huntington Bank. Unfortunately, Huntington Bank did not even look into the case and did not help me to get a refund. They said it was a " quality issue '' and they do not handle those. To me, it seems they were insinuating that I just did not like the wig that was sent. I told them that was not the case and it did not have anything to do with me not liking the wig because I do like it, just not what I paid for. They were not willing to understand me and just assumed that I was the problem. I had an issue with a door from XXXX XXXX being the wrong size and I was given a refund by the bank when I disputed but this one is different, which I don't understand how. I think it's about them not normally dealing with wig issues and not having the knowledge of this type of situation. I hope they can get someone who deals with wigs to look at my case and have the knowledge and understanding of wigs. If I paid for a product I did not get through my bank, I would think my bank would consider that as a great reason for a dispute and refund me my money back. The merchant never responded to my bank about the dispute because they knew they were wrong. I am the woman in the XXXX XXXX, as you can see my hair is not as full as the other women 's hair. The merchant stated my hair was the same density as the woman in the XXXX XXXX XXXX. As everyone can see it was not. All the hair I had was pulled to the front in the video, none was at the back.
Product: Credit reporting

XXXX XXXX XXXX re-aged XXXX of my accounts from XXXX XXXX. I sent copies of a credit report provided by XXXX with correct and original dates which stated that they wereto stay on my reports until XXXX 2016. XXXX deleted them on XXXX XXXX, 2016 but since put them both back onto my credit report. Equifax only deleted XXXX, refused to recognize the correct dates, stated that they lost my documentation eventhough they deleted XXXX off. XXXX is still reporting XXXX, after investigation they deleted the same account twice. I want to file complaints against all XXXX credit reporting agencies as well as XXXX XXXX XXXX for continuing to try reinsert these accounts knowing full well that they are in fact inaccurate. The very ones who are charged with theresponsibility of ensuring the accuracy of information continue to be totally inaccurate themselves.
Product: Credit reporting or other personal consumer reports

Notice To all Credit Reporting Agencies Listed with CFPB : As Of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Last 4 SSN # XXXX XXXX XX/XX/XXXX Phone : XXXX Self Employed : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX email : XXXX To ALL CREDIT REPORTING AGENCIES : Please update your profiles to reflect the current name and address of my credit profile. Please delete/erase any other names, address, employment and phone number. 

The information provided in this notice will start from the date provided until I personally update otherwise. This is my ONLY name, mailing address, date of birth, phone number and employment status.

Please REMOVE all other name ( s ), address ( es ), employers, emails and id numbers attached to my credit profile as they are NOT deliverable to me by U.S. Postal Service and they are not reportable as per FCRA since they are inaccurate. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

My phone was taken without my permission and used to XXXX XXXX money to 2 people over 66 transactions of $ XXXX {$150.00} sent continuously to these two individuals that I have never done transactions with prior. I did not give anybody authorization to use my card or my phone I was unaware of transaction being made because I didn't have a phone. I don't know who is responsible for making these charges I reported the charges and when I submitted the to the bank the ftc identity report the bank decided the end their relationship with me before the 10 day investigation passes so they don't have to provide me a provisional credit. I also experienced a system error and they sent the wrong person my money with their pay anyone even if they are not on chime it says you can send money to anyone by entering their phone number. I entered my son 's phone number and I sent him {$300.00} for his birthday I made sure the info I entered correctly hit send while my son was with me he never received the money and chime sent it to some man 's chime account and never notified my son of the money. I then requested the money back from this man appearing in my recently sent contacta I requested the {$300.00} and for some reason my son received a text message saying I requested {$300.00} from him to my chime account. I was told that I have to track this man down to get my money back when I am not the one who sent him any money I sent money to my son 's phone number a phone number I pay for. It is not my fault they redirected the money to somebody else 's account. They also would not provide me any contact information for this man to try and get my money that they wrongly sent to the wrong receipent. I find it all conviennt that they want to cancel my account before the 11th day when they are legally responsible to issue a provisional credit to my account for the unauthorized activity that should have thrown red flags and never should have been authorized. I want my money that was sent to this stranger returned to me or send to the correct phone number that I entered when sending and I want a provisional credit for the 66 unauthorized transactions that I am currently disputing before they shut down my account because I am protected from unauthorized purchases and that is my right by law. They can't close my account to prevent from issuing these provisional credits after I provided them with the FTC report.
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 confidential information under 15 USC 1681. 

XXXX XXXX XXXXAccount Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Credit Card, Terms XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX. 
Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 Section 602 A. states i have the right to privacy.

15 U.S.C 1681 Section 602 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 7 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 resonable cause to believe that the information is inaccurate.
Product: Mortgage

I am currently unemployed since XXXX 2015, position was eliminated and have been aggressively seeking employment. I was able to stay afloat with income tax returns but now I am falling behind now 2 months mortgage payments and car notes along with monthly utility bills. Single parent of XXXX sons and I believe I 'll be getting a job real soon. I just need a little help to pay what I 've fallen behind on and I can get back on track. Thought moving from the city to the suburbs to give my children a safer place to live and better opportunity to succeed in this world without dealing with bullying and senseless crime. But I need a little help. So please if at all possible I need financial help until I get back on my feet financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX submitted disputes with XXXX  and XXXXXXXX XXXX please see attached
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a XXXX XXXX. As a result, I am requesting that 
the following accounts be blocked and deleted from my credit report as they were fraudulently 
opened without my knowledge or consent. This request is made pursuant to XXXX XXXX XXXX(a) and FCRA  605(b).
Fraudulent Accounts: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I have a cash app and I have had this for a couple of years. All of a sudden two months ago they closed down my app without any warning or explanation. The continue to say I violated the transfer and there is no way possible. I was planning a trip for my XXXX birthday this month and individuals cashapp me their deposits. I see this being done every day. my cash app login was XXXX  XXXX initially and coming and being deposited into my personal account with XXXX XXXX that I have had for years. They shut it down with no warning and no valid reason. I then opened it and connected it to my business account with XXXX XXXX that I have had for several years. This cash app was XXXX  XXXX and just recently they have closed this account down. You have people using their cash app for unethical purposes and still, have an account and I have never done such a thing. I would like to know the reason for the shut down of my account and my account that I originally open re-opened. I have tried to call and communicate with them by email, but their service is awful and limited communication. I am willing to go into a lawsuit in regards to this because I am almost thinking this is some racial bias somewhere in this underlining situation. I am not a XXXX, criminal, or trying to defraud anything, so there is no valid reason of shutting down my accounts.
Product: Credit reporting or other personal consumer reports

I have tried to access my credit report from Transunion and XXXX on the phone and online. I have tried several times to call TU consumer number that they have listed. It seems they keep changing their numbers and the previous number never works. And for some reason, when I go online to Transunion to get my credit report. They always tell me to write in and my credit report is not available. I think this is unfair to have to wait XXXX weeks to receive my credit report, when I need it right away. 

On XX/XX/year> and XX/XX/year>. I reached out to XXXX and TransUnion on the phone and online.
Product: Credit reporting or other personal consumer reports

I looked at my credit report and noticed somethings are incomplete and not accurate and according to the fair reporting act whenever consumer reporting agency prepares a consumer reporting it shall follow reasonable procedures to assure maxima possible accuracy of the information concerning the individual about whom the report relates this account XXXX XXXX account number XXXX is not accurate XXXX XXXX XXXX account number XXXX account not accurate. XXXX XXXX Account number XXXX is not accurate.XXXX XXXX XXXX XXXX XXXX XXXXXXXX not accurate.XXXX XXXX XXXX account XXXX. XXXXXXXX XXXX XXXX account XXXX not accurate.XXXX XXXX XXXX Account number XXXX not accurate, inquiry XXXX XXXX XXXX XXXX Inquiry XXXX XXXX in a XXXX XXXX Inquiry informative XXXX XXXX inquiry not accurate reporting identity theft report has been sent to XXXX XXXX XXXX Experian XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter VIA MAIL disputing serval inquires, several wrong person information and a closed account on my credit that is WRONG and improper use of my credit report. 

This credit bureau company XXXX tried to claim it was a credit repair clinic or third party simply because I know my rights as a citizen and denied to fix the issue stated by the representative I was on the phone with that was very disrespectful on XX/XX/2024 starting at XXXX. 

Ive attached proof of my letters and the email I received.
Product: Mortgage

Castle Mortgage claimed we didnt pay our first payment for our loan.This simply did not happen we have documentation that we payed not just on time but early. Since then Castle Mortgage has sold our loan to XXXX. We want to refinance and this is hurting our credit score.
Product: Debt collection

Capital one failed to verify the debt. I asked for signature, contract and debt owed. They constantly call from sun up to sun down!
Product: Credit reporting, credit repair services, or other personal consumer reports

The last XXXX hard inquiries are Unauthorized Credit Inquiry Identity theft Police Report # XXXX Last attempt before lawsuit. 

Dear Sir / Madam I recently obtained a copy of my credit report from Equifax, XXXX, andXXXX. It indicated that XXXX credit inquiry was made! 
However, these inquiries were not authorized and I was victim of Identity Theft Therefore, I am writing to dispute the last XXXX inquiries and have it removed from my credit report IMMEDIATELY, the police department has done the investigation. 

Please have these inquiries removed from my credit report. 

Please forward any documentation that you may have in regards to the removal of these credit inquiries. 



Thank you for your prompt assistance. 

Sincerely, XXXX XXXX
Product: Credit card

After opening the account at my XXXX XXXX  office, I never received the information needed to open an online account to make electronic payments. I called customer service and they direct me to a part of my bill that does not exist. This means I can only make payments by either mailing in ( which of course I would never have opened the account in the first place if that was going to be the case ) or by having their customer service schedule up to 3 months of payments at a time through the phone. Each time I do this, the next bill pops up with a late payment. So I end up paying tons of late fees in 2023 for a company whose technology is so bad that I couldn't make the electronic payments that I make for every other account I have. 

Finally, late in 2023 I get a bill with the actual account number on it which I use to register for the electronic portal. However at this time my dentist tells me my account is overpaid by {$600.00} ( great! ). So I even elect to do a cosmetic appointment out of pocket since I don't owe anymore money ( great! ). Well it turns out Comenity Capital Bank took that money back a few weeks later. I called customer service about this and they could not explain what happened and said I should file a ticket. So I go to file a ticket and suprise their system isn't working. At this point I am so tired of the company that I am not willing to pay them anyone until they can explain what is going on. However nobody could and they end up putting a 30 day late notice on my credit account. Turns out I am locked out of my account now so I end up making payment once again through the customer service and scheduling the next 3 months. Additionally, I write their support and ask to fix this credit reporting issue since it is their fault their customer service can not explain what is going on with my account. They decline. 

I am ready to close the account so I login and go to pay the balance in full, only it will not let me because I already have 2 pre-scheduled payments. I try to cancel them as per the directions in their chat bot but of course again, the system is not working and there is no way to cancel the payments. 

So after the worst experience I have ever had with a financial institution over a year and a hfl, now I can not even pay the account off and close it, because their technology is so bad.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX, XXXX XXXX, XXXX XXXX {$11000.00}, XXXX XXXX XXXX {$38000.00}, XXXXXXXX XXXX XXXX