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

I opened a Chase checking account on XX/XX/2018. Immediately after opening the account I electronically deposited two checks for {$430.00} and {$990.00} respectively. Two days later, I attempted to log in to see if the checks were cleared but I was informed that my accounts were automatically closed. I called chase and the customer service representative told me that my accounts were closed for 1 ) reasons they refuse to disclose and 2 ) that my balances on the account would be sent to me in a check within 5-7 days.

It has been more than 5 days already and I haven't got my funds back. Chase is holding my money hostage and hasn't issued me a refund yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new and updated information this is NOT credit repair. This is me, XXXX XXXX XXXX. Pursuant to 15 USC 1681i ( 6 ) ( B ) ( iii ) - I have requested and I quote the descriptions of the procedures of the reinvestigations under the FCRA into each of the following account and entries furnished on my consumer report, that were verified as accurate. Early Warning Services has had ( fifteen ) 15 days from receipt Certified mail # ( XX/XX/2022 @ XXXX ) XXXX XXXX XXXX XXXX XXXX Green Return Receipt # XXXX XXXX XXXX XXXX XXXX XXXX The fifteen days are up. Early Warning Service has not answered my demand in accordance w federal law in providing the descriptions of the procedures of the reinvestigation within 15 days pursuant to 15 USC 1681i ( 6 ) ( B ) ( iii ) and as such the following entries must be removed as they can not and have not been verified as accurate. 

XXXX  XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX Attached is my previous complaint and the response from Early Warning Services
Product: Credit card

I purchased from a company called XXXX XXXX, multiple items in XXXX different transactions at the end of XXXX. I sent vendor many emails and never received anything back so I contacted XXXX Bank credit card ( which was the card I used ) and they claimed they would investigate. The company XXXX XXXX sent US bank fake tracking numbers ( I never received anything ) and us bank credit card closed the dispute in the fake vendors favor. I have contacted us bank too many times to count about this issue but they wont reopen the case.
Product: Debt collection

In this month, XXXX XXXX, XXXX, when I got the paycheck I noticed over {$300.00} was seized without me knowing. I work as a driver for XXXX XXXX, so I had a friend call payroll for me, and I was on the call simultaneously. Cause XXXX contracts with XXXX for payroll services, we had to get in contact with XXXX, an XXXX employee, telephone XXXX, XXXX. We were told by XXXX, XXXX was following a XXXX XXXX from a New Jersey venue case. Problem is I domicil in XXXX  and prior to that XXXX XXXX. I got no Notice from either XXXX or XXXX payroll services, to allow me the opportunity to challenge the aledged debt. XXXX has all contact information for me. XXXX from XXXX stated they had no way to contact me. 
I asked for the supposed court order, but was never given it. I had to ask several times before I was given the Sheriff 's office who issued the writ and the unlawful debt collection agency ; XXXX XXXX. I called XXXX many times and to date, have not been able to speak to anyone. 
From the Sheriff 's office, I was able to view the Writ, and from what I read, this is supposedly a XXXX judgment order, in New Jersey [ court ], for which I never got Notice for such. I suspect the issue maybe an Identity theft one, as I have never had any accounts with the debtor. I checked the credit report for XXXX and nothing shows up for the said unlawful debt. I am waiting on reports from XXXX and XXXX, by mail. 

I truly have no idea what this is about, and I am unable to contact XXXX, to challenge the debt under 15 USC 1692g, and other debt challenges. This quite unfair and deceptive act and is causing me financial harm. 
Both XXXX and XXXX failed to notify me of this garnishment, putting me in stress and turmoil.
Product: Money transfer, virtual currency, or money service

Commencing on or about XXXX XX/XX/2023, I fell victim to a multi-layered scam operation run by XXXX  which involved me making deposits for a total amount of XXXX USD from my JPMorgan Chase bank account to fraudulent investment firm ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I've made several attempts to dispute the XXXX accounts and the inaccurate information that's being placed on my credit report by Transunion. The accounts with XXXX are still reporting as 120 days late, but like I've stated and disputed before, these accounts are closed paid accounts with a XXXX  balance. The accounts are CLOSED, and they are PAID, and they have a XXXX balance. So how I can be 120 days late under those circumstances. It doesn't make any sense. 

In response to my dispute, the credit bureau stated that these accounts were properly investigated, but how can that be if they're still reporting inaccurate information. Surely this is grounds for removal and even more, I feel that my rights have been violated under 15 U.S.C 1681 section 602 A and section 604 A section 2.
Product: Credit card or prepaid card

On XX/XX/2023, I requested direct deposit to my bank for the {$100.00} reward. 
According to the Bank-Rewards Activity web page, a {$100.00} Direct Deposit transaction was completed on the same day. See Exhibit XXXX XXXX 
On XX/XX/2023, my bank received a direct deposit from " COMENITY CAPITAL CC REWARDS PPD '' but it amounted to only {$1.00}. Unfortunately, {$99.00} are missing. See Exhibit # XXXX from my bank. 
I made several attempts to resolve this matter with the bank via the internal messaging system and phone calls. 
Send a message on XX/XX/2023 Send a message on XX/XX/2023 Call on XX/XX/2023 Call on XX/XX/2023 During the call on XX/XX/XXXX, the customer service representative briefly mentioned that the bank has some technical issues with missing XXXX decimal points during direct deposits. My request to confirm the same by email and provide me with an Estimated resolution time was rejected. 
Unfortunately, none of the above communication attempts resolve my concern and as of today, Im still missing {$99.00}. Sound like the bank is running some customer scam. 
See Exhibits in the attached document
Product: Credit reporting or other personal consumer reports

Certified U.S. letters and supporting documentation were sent to XXXX, Equifax, and XXXX credit agencies ( Dated XX/XX/2023 ), disputing several inaccuracies and incompleteness of information on my consumer report pertaining to a Factual Dispute ; listing all the inaccurate reporting done on XXXX XXXX Student Loan accounts. I explained in detail what those inaccuracies were, and how I wanted this matter resolved! I requested that this matter be thoroughly investigated, that the credit agencies follow the guidelines established by the Fair Credit Reporting Act ( 15 U.S. Code 1681 et seq. ) ; and that these inaccuracies be removed/deleted from my consumer report immediately. 

On XX/XX/2023, I received notice via email that my dispute results from XXXX were in ( Report XXXX XXXX ). When checking these results, the notification says " Updated '', but when I checked my consumer report online... NOTHING HAPPENED TO THE ACCOUNTS I REQUESTED TO BE REMOVED/DELETED.. Nothing was updated by removal/deletion...
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX Balance Owed : {$18.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX I noticed my credit balance on three of four accounts was unusually high. I called my cc company to dispute. So, I started borrowing on other accounts and credit cards I have to try to pay it off. Later on, I noticed another XXXX account in my online profile that was not mine or a auth user. I looked at my transactions and this person had made several payments on my account that were eventually returned to the balance of my accounts. Also, balance transfers were made by this account holder which made my account balances even higher. I then called the company and asked them to return all of the money I paid from borrowing from other accounts and credit cards.
Product: Credit reporting or other personal consumer reports

XXXX - account paid in full XXXX XXXX- account paid in full XXXX XXXX XXXX XXXX XXXX  account paid in full XXXX XXXX XXXX XXXX  XXXX - This is not mine, they confirmed a different social and different address than mine XXXX XXXX XXXX XXXX XXXX- not accurate reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 To Whom It May Concern, There is currently an inaccurate item being reported on my credit report from XXXX XXXX XXXX-XXXX I have contacted this company at the address listed on my credit report here : XXXX XXXX XXXX XXXX, XXXX, FL XXXX As you can see, I have enclosed a photocopy of my mail being returned from the post office due to an invalid address. 

Given that the furnisher has provided false information to you about me, and provided you with a false address, I demand that the item they are reporting be removed immediately. 
" The allegations from this item require immediate dismissal due to fact of inability to contest the derogatory claim ( s ) injurious to me DIRECTLY, as is my consumer RIGHT to do so. As such, I demand the full extinguishing of every aspect of reported delinquency and or derogatory since the factual nature of them can NOT be verified valid nor certified compliantly reported, as MANDATED BY STATE AND FEDERAL LAWS of reporting, true or not! 
Upon attempts to forward my direct consumer complaint challenging the accusers to demonstrate the requisite document verification ( s ) of the claim 's validity in reality and calls for evidence substantiating the perfect and certified compliance of reporting, I received notice back that the data furnisher address, AS REPORTED, was not deliverable to hence INACCURATE. This deficiency of reporting denies me my consumer RIGHT to question and contest directly my accusers, which means its reporting is unlawful and without compliance in full accordance of mandatory regulatory reporting laws and standards, including the required true, correct, complete, and perfect METRO 2 FORMAT REPORTING! DELETE this misreported data TODAY, even right here and now! "
Product: Credit reporting, credit repair services, or other personal consumer reports

went to court 3 times on XX/XX/2011 the govt filed a notice of voluntary dismissal no judgment was enter against me and case was dismissed and closed ( Docket NO. XXXX ) This was not my loan school had to fire a lot of staff taking out loans in students names made front pages of news papers at that time
Product: Checking or savings account

My minor sister has a bank account with Bank of America. My father was the guardian. My father passed away in XXXX. I was appointed her guardian. I provided Bank of America with the XXXX XXXX in early XXXX. I provided them Letters of Administration, Orders from the Court, the Guardian Order appointing me as the Guardian. I have called them so many times I can not even remember how many. I have waited on hold for hours. I have went to banking centers. I waited in banking centers while a manager called headquarters and argued with them about getting it resolved, but even he was unable. No one has been able to help me. They refuse to change the account to appoint me as the guardian even though they have everything they need. 

This is outrageous. It has been 5 months. Please help. They are wrongfully withholding this money that the minor needs. They keep telling me they will call me but they dont. Then when I call them, they put me on hold and dont do anything to fix the problem.
Product: Credit reporting or other personal consumer reports

I am writing to express my grave concerns about a derogatory rating that has been erroneously reported on my credit file. This inaccurate negative mark is already causing me substantial financial hardship and emotional distress that will continue until it is permanently rectified. 
Due to this derogatory rating, I have been denied credit and had interest rates increased on my existing accounts- directly impacting my ability to manage my finances responsibly. I was never properly notified of the derogatory tradeline nor given an opportunity to dispute it before it was reported to the national consumer reporting agencies. 
Under the Fair Credit Reporting Act, I have a federally protected right to have any inaccurate, incomplete or unverifiable information promptly blocked and removed from my credit reports upon dispute. I thereby demand that you initiate a investigation to verify the validity of this derogatory rating within five ( 5 ) business days. Upon determining the information can not be corroborated, you are legally obligated to permanently delete and block the reporting of this negative tradeline to XXXX, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within XXXX days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX apartment A XXXX XXXX California XXXX XXXX XXXX XX/XX/year> Re : EQUIFAX, XXXX, AND XXXX TO PROVIDE ACTUAL VERIFICATION DOCUMENTS USED IN REINVESTIGATION RESULTS ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX I'm demanding that the consumer reporting agencies Equifax XXXX XXXX XXXX and XXXX to provide me by certified mail the actual documents provided by the creditor XXXX XXXX XXXX account # XXXX, that was used to verify the account showing debt of {$10000.00} to be accurate in there reinvestigation results. 

If consumer reporting agencies Equifax, XXXX, and XXXX can not provide me sending me by certified mail with the actual documents of verification that was used in their reinvestigations. I demand that this account to be removed due to unverifiable information.
Product: Money transfer, virtual currency, or money service

I sold my car and the money was deposited into my Chase bank checking account. I initiated a transfer to my Partners XXXX  account, where my loan exists, so I could pay off my balance and provide the title to the new owner. Chase called me to verify the transfer was authorized, at which point I gave consent, but questioned why all of my transactions require authorization, when in my memo, I clearly asked to not decline this transaction as they declined it a week or two prior. This delay is causing me to incur further interest on my loan. The agent that accepted the escalation was named " XXXX '' and she informed me that since they can not verify that I am the owner of the recipient account, or the owner whose name is on the car loan, they could not transfer the money. I asked XXXX why it mattered who I sent my money to, that in fact, as the money is mine, I should be free to send it to whomever I please, regardless if my name is on the receiving account or not. She told me that there was nothing that she could do without this proof. She asked if there was anything else she could help with, and I let her know that she caused more confusion now than before and she was no help. She hung up the phone and the call was then disconnected. A few minutes later, I attempted to log into my Chase account and was locked out due to suspicious activity. It then took me numerous calls back to Chase to unlock my account, which took time out of my work day. I still have not been able to transfer my money, even though this external account has been verified through Chase 's external account verification process.
Product: Credit reporting or other personal consumer reports

I'm rewriting to complaint to EQUIFAX about the unauthorized inquiries on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely non-permissible and a result of Identity theft. My address is XXXX XXXX XXXX XXXX, IN XXXX, and I go by XXXX XXXX XXXX. My birthdate is XX/XX/year>. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus. This is a legitimate inquiry of information and declaring.
Product: Credit card

I always pay my bills on time, so Im not sure why this company is listing me as late for some months. According to USC 1666b, any errors should be corrected, and my account should be updated to " paid as agreed.
Product: Student loan

I made a payment of XXXX on XX/XX/2018 to Nelnet to pay off my studenbt loan A, which had about {$500.00} left on it. I used the site to specify that I wanted the full balance of loan A paid off, with the remainder going to loan E. They allocated {$410.00} to loan A, {$83.00} to loan C, {$500.00} ( this is the amount i specified for this group ) to loan E, and {$14.00} to loan F. I did not ask for a payment to either loan C or loan F. All of my loans were caught up and paid on time. Nelnet is asking to do a " research '' on why this happened, also claiming I had standing special instructions in place but could not tell me what those instructions were and where these numbers came from. I still owe {$61.00} on loan A as of today, when it was supposed to be paid off. They appear to both know and not know what happened - not sure why they have to research if they're standing behind this choice. 

I have had standing special instructions in the past, but they have only applied to my autopayment which has consistently been misallocated as well. Every month I have to chat with them at least once to get it fixed. My special instructions had stated to pay off the highest interest loan first with any additional funds in my auto pay payment, which would have been loan A in the first place. They could not give an answer as to why this wasn't followed, or even what they have for special instructions on their end. What do I do to get this loan paid off? I have been making consistent on time payments and had no balance due when I made the payment, as I have autopay set up for the minimum payment and make my additional payments manually, as I did in this case. There is no reason to go against my wishes when I submitted to pay by group on the site.
Product: Credit card or prepaid card

My Unemployment benefits from Massachusetts in 2021 were frozen on my Bank of America debit. I have been trying to over a year to unfreeze my bank card and have had no such luck. Unemployment department tried to help, however the bank continued to put blame on Unemployment for the issue. I believe I am a victim of the Bank of America Debit Card Fraud Class Action.
Product: Money transfer, virtual currency, or money service

I am writing this to informally express my concern regarding Zelles handling disputes particularly in light of the recent CFPB lawsuit highlighting significant Issues with the platform.Despite using Zelle numerous times reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that the tracking these transactions was unfeasible. The CFPB FINDING Indiacate that Zelle has not only neglected but they also caused me to lose a lot of money by not help me get my money back from dispute
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$940.00} ; XXXX, XXXX & XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$640.00} ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance Owed : XXXX ; XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$940.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX : Balance : {$12000.00} Account Name : XXXX : Account Number:XXXX : Balance : {$870.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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.