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

On XXXX XXXX 2021, I went to the Chase branch. I went into Chase to withdraw around {$3000.00} to pay my rent and other bills. The bank teller was acting strange after she reviewed my account details. I assume, this was because of the balance and my age and the fact that I am XXXX. The woman told me that if I wanted to do my withdrawal that I needed to have the police present and that she needed me to speak with a bank manager first. She told me that the manager would call later that day and arrange an appointment for me to do my business. I never received the call. On the following Monday, I visited the branch and asked again to do a withdrawal. Again, I was told that the manager was not in and would call me later. I let the staff know that I want to withdraw everything from my account, because Chase is behaving strangely. XXXXwo days later, the manager called me and asked why I was pulling everything out of the account. I told him that I heard that Chase was closing accounts and keeping the money and I don't trust them. I was told by the manager that my account was already reviewed and in good standing and that I don't need to worry about it. I told the manager that I still wanted the money. On three separate calls he tried to convince me to take a check and never scheduled an appointment. On Monday, I noticed that my account was locked. I was told at the branch that Chase rejected my withdrawal request and no longer wants to do business with me. I was further told that they will not be giving me cash, but the check I kept saying I did not want and that I would need to cash it elsewhere. I was told that there is no time frame on when my money would be released. If you refuse a Chase cashiers check, they will force you to take one. Chase illegally denied my access to my own money and discriminated against me. My balance at the time was over {$260000.00}. Chase has never asked me to verify the source of my income. This closure is a direct response to my request to withdraw money. They violated the law by denying my withdrawal, because I am a young XXXX man. My small business is XXXX  XXXX  XXXX XXXX XXXX, in XXXX XXXX Nevada. I am working on opening a second location in Florida. I am in several publications, and if this system allows I will attach. The bankers at the branch in XXXX Florida are racists and criminals. How dare these filthy thieves accuse me of being a criminal. I am currently shopping for an attorney to represent me for XXXX discrimination or civil theft. That is not your money. I want it back, within 30 days. This shall serve as your written notice Under 812.014, Fla. Stat. I demand treble damages. I believe this amount is around XXXX. I don't have access to my bank records, as I have been locked out. We are currently negotiating a multi-million dollar XXXX  deal. If the actions of Chase hinder this and stop us from funding this enterprise, we will hold Chase accountable. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i contact my creditor and informed them that I was looking to purchase a home and came to an agreement that they would update my account as charge-off they in turned sent me documentation stating the agreement to change account to Charged -off. I submitted documents to all XXXX Agency. 
XXXX, XXXX and Experian. 

XXXX - Updated documents with no problem XXXX and Experian still refuse to update information. 
this is harming my changes of owning a home.
Product: Credit reporting or other personal consumer reports

XXXX refused to allow disputes in removing negative and inaccurate information on my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its about a credit dispute I never filed : I never filed a credit dispute with XXXX cause they had already charged the account as a write-off and it was going to be removed off my credit in due time. Now it has been put back on my credit report and will remain until 2024 when its been well over 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE STATED TO TRANSUNION MANY TIMES THAT I DID NOT OPEN THIS ACCOUNT AND IT NEEDS TO BE REMOVED FROM MY CREDIT PROFILE ASAP AS IT HAS HARM MY LIFESTYLE AND BUSINESS
Product: Debt collection

I have been in the process of applying for forbearance with XXXX  who holds my private loan with XXXX XXXX XXXX since XXXX of XXXX. Payments began to accumulate due to a paperwork error and I began to be reached out to by Loan Science, the debt collector. I have continued to work with XXXX  as well as Loan Science to amend the error and have since been stuck in the review process on the XXXX side. Since XXXX I and my mother, a consigned, have had continued multiple phone calls almost daily despite having had two conference calls with XXXX and Loan Science regarding the matter. Today XX/XX/XXXX I had received yet another call at XXXX, this time including a voicemail from Loan Science stating to call to return their call as they have good news. I return their call and I am then informed that my request for forbearance had been denied by XXXX. I had informed them that I had been checking daily and was not informed of such a decision. The woman I spoke with insisted that I had been denied and that I should apply for a payment plan. Following the phone call I contacted XXXX to confirm Loan Sciences claim. XXXX  informed me that my forbearance request was still in review and that no such decision had yet been made. Loan Science has consistently harassed both my mother and I despite being asked to no longer be contacted by my mother and my consistent attempts to keep them updated with XXXX. In addition they have continued to attempt to deceive myself and my mother with claiming previous voicemails that were never left as well as claiming forbearance was denied by XXXX when it is not the case. I have been contacted on the following dates. 

XX/XX/XXXX - 1 time XX/XX/XXXX -4 times XX/XX/XXXX - 2 times XX/XX/XXXX - 1 time XX/XX/XXXX - 2 times XX/XX/XXXX XXXX4 times XX/XX/XXXX - 2 times XX/XX/XXXX 2 times Calls maintain this level of frequency with both myself and my consigner to the end of XXXX beginning of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : EXPERIAN : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} XXXX : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$290.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$200.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I heard that Experian, a site that contains the personal information of hundreds of thousands Americans, was hacked. I heard this through word of mouth, rather than through Experian, or XXXX, or XXXX. I also have been told that this hack happened in XX/XX/XXXX, and that in the months since the hack the only people who apparently knew this were their investors, who have since been pulling out. In the meantime, non-investors, AKA the rest of the country, have gone unaware of this unless they happened to click on a link on XXXX? Just 3 days ago XXXX posts an article. What 's worse, now that it 's coming to light, 2 months after the fact, it 's near impossible to put my credit ( which is a made-up thing, btw. ) to be put on a freeze. I have tried calling all 3 as well as using their websites, and all of them either disconnect me, or tell me to request the credit freeze by snail mail. The only thing I could do to my account is set up a fraud alert. That is, I will get an e-mail when someone who bought my identity off the XXXX XXXX tries to buy a XXXX in my name. To sum it up, first my identity was at risk and I received no notice, then I found out about that risk from someone that is n't Experian/XXXX/XXXX, then when I tried to eliminate that risk i discovered that there is suddenly no way to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 

15 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
Product: Checking or savings account

On XX/XX/XXXX in the morning, XXXX unauthorized charges happened in my account. XXXX was for {$100.00} and the other was for {$18000.00}, I filed a claim with the bank and they gave a temporary credit for the {$100.00} and did not for the {$18000.00} and they closed the claim for that.
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. 

Account Name : XXXX  : Account Name : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 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: Vehicle loan or lease

in accordance with the fair reporting act XXXX account # XXXX, has violated my rights.

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 602 A SSection 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX I did not approve this I wrote a letter over 45 days no response
Product: Money transfers

I have tried to transfer money to a bank in XXXX and WU wrote, on XXXX XXXX, 2015, that the transaction went through : XXXX XXXX, Thank you. The payment for your money transfer has been received. It will be available in XXXX XXXX XXXX XXXX XXXX account by XXXX XXXX, 2015. 
If you have any questions, contact us anytime. 
Thanks for using Western Union. 

XXXXThis is your proof of payment for the money transfer below. 
XXXXYour tracking number ( MTCN ) is : XXXXTransaction Date : XXXX XXXX, 2015 XXXX ETHowever, on the same day ( XXXX/XXXX/2015 ), I received this email : Dear XXXX XXXX , Money Transfer Control Number ( MTCN ) : XXXXWe have received your order, however, we regret we are unable to process your transaction at this time. 

If you feel this action is in error or have further questions as to why your transaction was declined, please contact us online or by phone at XXXX. 

We regret any inconvenience this action has caused. As an alternative, you may send money using cash from a Western Union Agent location. You can find an Agent location on our Web site. 
For additional information, visit us at www.westernunion.com. 
Thank you for using Western Union! 
then, on XXXX XXXX, I receive this email : Dear XXXX XXXX, Your tracking number ( MTCN ) is : XXXXWe received your request to cancel your money transfer. If your account has been debited, we 'll refund the money transfer amount and fee to you. 

Send money at one of our agent locations. Find your nearest agent location now. 

Thank you for using Western UnionNow, I have never sent a request to cancel the money transfer ; this is a lie. 
I have received the refund, however I was charged for the transaction! It 's a matter of principle that the business should not charge for their botched service. 
Even if the fee is just {$5.00}, it is outrageous. 
I have filed complaint with WU on XX/XX/XXXX but I am yet to hear from them and my call to WU today was as if I was talking to a wall. The customer service assistant could not help me. 
" Money Sent from XXXX to XXXX XXXXThank you for submitting your question, we will be getting back to you in 1 business dayReference Number : XXXX ''
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX acct # XXXX Amount {$440.00} XX/XX/XXXX XXXX acct # XXXX {$290.00} XX/XX/XXXX XXXX XXXX  acct # XXXX {$1000.00} XX/XX/XXXX XXXX XXXX  acct # XXXX {$370.00} XX/XX/XXXX XXXX XXXX acct # XXXX {$430.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$160.00}. 
XXXX XXXX XXXX XXXX {$110.00} I looked at my Experian report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to this ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file if the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( II ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to 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 card

Hello, I have a chase bank slate credit card... I have made the monthly payments and the bank never reported late payments on my payments ... On XX/XX/XXXX, chase bank made a report of 7 months late on my payments .... I monitor my credit score and when I saw this situation I called the bank the same day .... the response from the representatives is always " the system is the one that makes those reports automatically '' for them everything is done by the system and they can't do anything ... my credit score has been affected since XX/XX/XXXX... now I am afraid because I have had that credit card for 9 years and the system changed my reports from many years ago .... I ask for help to fix this situation...
Product: Debt collection

On XX/XX/XXXX I mailed a debt validation letter to the three credit bureaus ( XXXX, XXXX, and XXXX ) requesting they validate my owing Midland Credit Management for a debt they purchased from XXXX XXXXXXXX XXXX. On Tuesday, XX/XX/XXXX I received a phone call from a representative at XXXX XXXX XXXX who stated he was an account manager, wanting to discuss the alleged debt. At which time I expressed to him, I would not be discussing anything pertaining to the alleged debt over the phone and I request that he mail me validation of the alleged debt. The rep then placed me on hold so he could speak with his superior. A few short moments later another person got on the phone and identified himself as a XXXX XXXX XXXX Supervisor. He too wanted to discuss the debt, but again I refused and reiterated, I needed in writing, validation of the debt. He asked me to be specific about what I was requesting of him and I went on to list : signature agreement of my taking ownership of the debt, the bill and all other documentation they have that proves my indebtedness to their company. He stated, XXXX XXXX XXXX has already mailed me information about the debt. At which point, I respond by telling him I have no knowledge of the information or paperwork he was speaking of. He assured me XXXX XXXX XXXX could provide all of the validation I was requesting. However, he could not understand why we couldn't discuss the debt at that moment over the phone? Again, I told him I would not be discussing anything with anyone at XXXX XXXX XXXX pertaining to any debt until I have received in writing complete validation of the alleged debt. He remained persistent and consistent in his approach. He stated, " He could not understand why I wanted to wait? And, he guessed we'd have to wait another 10 days to handle the matter. '' I remained adamant about my request and the call ended. 

I have been checking the mail daily as I waited to see what would be sent to me as validation. Today XX/XX/XXXX I received a double enveloped bill. The date listed as the mailed date is XX/XX/XXXX which means it has taken exactly one month for the bill to reach me by mail. I find this hard to believe! Also, the bill  quotes a settlement and tells me in order to benefit I would have to respond by XX/XX/XXXX which is less than one week from today. I find this to be suspicious, erroneous and XXXX XXXX XXXX way of trying to cover ground they have failed already cover. 

According to the Fair Credit Reporting Act U.S.C. section 1681g, I have the right to demand XXXX XXXX XXXX furnish me documents they have recorded and retained in there files concerning accounts they are reporting in my credit reports. At this point, XXXX XXXX XXXX has received several request for validation of the debt and have demonstrated by way of failing to furnish the requested validation that they are not able to validate. Thus, by law, they must delete.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

Accounts XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$16.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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.
Product: Checking or savings account

Capital One has not deposited my paycheck. They did not notify customers until XXXX XXXX  on the XXXX and it is now almost XXXX XXXX  on the XXXX with no resolution. And Monday is a banking holiday.
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately! 

I regret to inform you that my rights are being violated due to the discrepancies found in your reporting practices, as specified in the accompanying document. I must express my disappointment as the document provided lacks completeness and fails to meet the standards I expect. It is imperative to comply with the legal obligations set forth by the Fair Credit Reporting Act ( FCRA ) and Metro 2 requirements, which necessitate the truthful, accurate, timely, and comprehensive certification of all aspects of compliance. Failure to adhere to these standards will leave me with no alternative but to escalate these concerns to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and engage the services of my state 's Attorney General.