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

I had fraud on my checking account on XX/XX/XXXX24. Chase initially notified me of the fraud, I called Chase immediately to close the account, and I was reassured that my money would be refunded due to " Chase 's Zero Fraud Liability Policy ''. My money was initially refunded, but then I received notice that Chase took the money back due to their investigation showing that the charges were legit. They were NOT legit, and I have a police report, which I submitted. After two months of back-and-forth with Chase wasting hours and hours of my time, Chase finally agreed to refund me after my attorney friend got involved. I received my money back in XX/XX/XXXX2024. Then I received a letter from Chase informing me they would ONCE AGAIN take the money from my account on XX/XX/XXXX/24. I closed my checking account, withdrew my money, and informed Chase that I would NEVER bank with them again. ( I had been a loyal Chase customer for over 20 years. ) On XX/XX/XXXX/24, I received a call from a Chase representative to let me know that my CLOSED account had a negative balance after Chase withdrew that money again. The Chase representative told me I could repay that negative balance with a payment plan ; I informed Chase that this was THEIR debt, not mine. I will not repay a debt that I did not incur.

I want to inform others of Chase 's deceptive and negligent practices. Chase had a major security breach in XX/XX/XXXX 2024, and notified me that my information was involved. Additionally, Chase allowed someone to order and obtain a duplicate copy of my debit card without notifying me at all. Then the fraudster was able to use my card for debit transactions AND withdraw cash from the ATM! How does that even happen in a huge banking giant like Chase? Please avoid Chase at all costs!!! CONSUMERS BE WARNED!!!!!
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 confidentiality under 15 USC 1681. 

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

During the beginning of the Covid 19 crisis my income was reduced due to the lockdown and I was late in paying my XXXX credit card bills. I was ultimately able pay after a 3 month period of being late. It was my understanding that the credit card companies would have some forgiveness for late payments but instead it shows as late on my credit reports for the 3 bureaus. This is negatively impacting my credit score. I tried to get the late payments removed but they continue to show up as late
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offeXXXX n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Money transfer, virtual currency, or money service

Cashapp froze my account without telling me why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all information inaccurate with experian. this issue has been addressed multiple times. it needs to be corrected. please review an remove all listed items that needs to be corrected to help my file asap.
Product: Mortgage

I have a demand letter from the lender that was requesting {$5300.00} and had an assistance agency who helped me by overnighting payment on Thursday XX/XX/XXXX. Payment was signed for by office administrator last name XXXX at XXXX on XX/XX/XXXX yet still hasnt been applied to my account nor can anyone tell me where the payment is.
Product: Checking or savings account

My direct deposit has been stolen by Capital One. Direct deposits are typically cleared XXXX. However like thousands of others, it is XX/XX/year> at XXXX and I still dont have my money. Transfers are down. I have had XXXX auto draft bills bounce back that I will be charged fees for because they were due Friday XX/XX/year> but my money was stolen by Capital One. There has been little to no communication. XXXX email was sent out by them at XXXX on XX/XX/year> after this going viral on XXXX and XXXX. They are hanging up when you call or not answering at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor have I authorized these companies to run my credit. Please remove it.
Product: Debt collection

I am being sued by td bank ( target ) ... never got papers or anything knowing I could dispute this! Know nothing about this!!!
Product: Credit card

I have reviewed information based on Bank of America closing my credit card and it seems they only communicate in letters through the mail with no concern for their clients. I have spent and paid off over {$34000.00} in less than 24 months with BOA and I have only made larger than minimum payments the entire duration of being a card member per their customer service representative. My balance upon closing my card was roughly {$2100.00} of a {$6700.00} limit. They also sent me a letter in regards to my cancelled payment issue saying we understand things happen, please take care of the issue which I did in less than 24 hours. Apparently they dont understand because they simultaneously sent me a letter closing my account. I am not satisfied with their response. I will continue to seek restitution and will continue to ask for help through third party mediators.
Product: Mortgage

I have a reverse mortgage through Champion mortgage. Champion mortgage paid property taxes on my behalf. In turn, I sent a payment to Champion mortgage in full plus extra to cover the property taxes paid on my behalf. Several months later, i was informed by Champion mortgage my payment was short by {$6.00} and that large late had accrued on my account. My discrepancy is that I paid up and above the payment amount requested on the bill I received and should not be accruing any late fees.
Product: Credit reporting or other personal consumer reports

I am filing a complaint again Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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.
Product: Credit reporting or other personal consumer reports

Experian has failed to update my personal information including my phone number email and address after sending documents in on numerous occasions. The XXXX line no one answers the phone ever. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have mailed in bank statements driver 's license Social Security card everything. No response no update 4 months
Product: Credit card

Dear Comenity Bank, I am writing in response to your recent letter regarding my dispute ( Ref. No. XXXX ). While I appreciate your review of my concerns, I do not agree with your findings.

1. Fraud Investigation : The letter you provided does not include any proof from your investigation team regarding the fraud claim. You mention that a fraud investigation was completed in XX/XX/XXXX for the XXXXXXXX XXXX XXXX and in XX/XX/XXXX for the XXXX XXXX Credit Card, but you have not supplied any supporting documentation or verification of these investigations. I request that you provide detailed documentation from your investigation team that outlines how the investigation was conducted, the findings, and any supporting evidence used to make your conclusion.

2. Credit Reporting : I continue to dispute the accuracy of the reporting. I called XXXX customer service to report the fraud, and I need verification of these phone calls, including dates and times of the calls. Please provide documentation of these calls or any related records from your investigation team. If you are unable to provide supporting proof of the fraud investigation or the validity of these accounts, the accounts must be removed from my credit report as required by law. 

Under the Fair Credit Reporting Act ( FCRA ) : FCRA 611 ( 15 U.S.C. 1681i ) : If an account is disputed and the creditor can not verify its accuracy, it must be deleted.

FCRA 609 ( 15 U.S.C. 1681g ) : I have the right to request proof, including any records used to verify the debt. If proof is not provided, the account can not legally remain on my report.

FCRA 605B ( 15 U.S.C. 1681c-2 ) : If an account resulted from fraud or identity theft and you can not verify its legitimacy, the credit bureaus must block and remove it.

3. Address Update : I have recently moved, but my previous address on this account was : XXXX XXXX XXXX, XXXX, PA XXXX. 
Please ensure this address is updated in your records, as it may be why there is an address discrepancy. However, this does not change the fact that the information being reported is incorrect. Please clarify which address is on record and ensure this dispute is properly reviewed.

This is my third time disputing this matter with the Consumer Financial Protection Bureau ( CFPB ) and the credit reporting agencies. I have attached a copy of your letter dated XX/XX/XXXX for your reference. I would like to verify the information you provided in that letter and request additional documentation from your investigation team to substantiate your claims regarding the fraud investigation and the accuracy of the reported information. 

If you are unable to provide proof of the fraud investigation, customer service calls, or other supporting documentation from your investigation team, I request that these accounts and any related delinquencies be removed immediately. If this matter is not resolved, I am prepared to escalate my dispute with the Consumer Financial Protection Bureau ( CFPB ) and the credit reporting agencies. 

Please provide a written response addressing these concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft/Fraud. Somebody went online to Experian and managed to lift a FREEZE I had placed XX/XX/XXXX from a previous Identity Theft/Fraud situation. This person LIFTED MY FREEZE WITHOUT USING MY PIN NUMBER by creating an online basic membership. This person used a prior married name that was on my credit bureau and used my current address. Once in, this person used my social security number and put this e-mail address : XXXX, and this phone number : ( XXXX ) XXXX, and created a PIN and security questions, so I was unable to get into my Experian credit bureau account. Experian DID NOT notify me that this was done. The only reason I was aware of the ID Theft/Fraud was because I was notified on XX/XX/XXXX, by Credit Monitoring Service about a New Inquiry regarding my Social Security Number. It was initiated from the bank under my name. 
Once the FREEZE WAS LIFTED, this person went online and took over my bank savings account. on XX/XX/XXXX. This person applied for a {$29000.00} fraudulent loan in my name using my membership number. On XX/XX/XXXX, electronically signed a promissory note and an insurance disclosure at XXXX p.m. A delivery consent form was signed electronically at XXXX p.m. and sent to e-mail : XXXX. The loan was approved and disbursed on XX/XX/XXXX, into savings account. On XX/XX/XXXX, this individual requested an Official Check Request for {$28000.00} and paid {$8.00} for an Expedited Mail Fee. The Bank DID NOT notify me a loan was applied for and processed. To get this loan, When I talked to the bank on XX/XX/XXXX, they mentioned that this fraudster went online using my member number and created a profile using my Social Security Number. When I talked to the bank to find more information regarding this Identity Theft/Fraud incident, and they asked me to verify my identity. The bank asked my name, social security number, date of birth and address. I inquired about what information the fraudster has. This person has ALL this information. 
I have been a victim of Identity Theft and fraud in the past, back in XX/XX/XXXX, somebody committed fraud in my name by using my banks member number and Savings Account to deposit large amounts of money ( {$55000.00} ) in {$5000.00} increments and transferred to another account. This was reported immediately to the bank and the 3 credit reporting bureaus, however, since there was no loan request, or any credit cards open in my name, there was nothing reported to the credit bureaus and no report to the Federal Trade Commission was made. On XX/XX/XXXX, someone tried to get a U.S. Small Business Administration COVID-19 Economic Injury Disaster Loan for {$94000.00}. This was ID Theft/Fraud was reported to the U.S. Small Business Administration , Federal Trade Commission XXXX and the local Sheriffs Office XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account with XXXX XXXX XXXX opened on XX/XX/XXXX, a credit card account with XXXX  XXXX opened on XX/XX/XXXX, another credit card account with XXXX XXXXXXXX opened on XX/XX/XXXX, a credit card account with XXXX XXXX XXXX  opened on XX/XX/XXXX, a credit card account with XXXX  opened on XX/XX/XXXX, a financial account with XXXX XXXX XXXX opened XXXX XX/XX/XXXX, a collection account with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX opened on XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts and inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I applied for a loan on XX/XX/year>2025 and was told by my bank on Monday, XX/XX/XXXX that my credit report was frozen by Experian. I was able to log on to my Experian account where it showed that my account was not frozen. I have tried call Experian at multiple numbers over the last few days but can not reach a human. Their automated system keeps telling me that my account is not frozen, but my bank has tried to pull my credit report numerous times over the last XXXX days and it is still frozen. I feel as though I am being held captive by this company.
Product: Credit card

I signed up for the Barclay 's XXXX XXXX with XXXX benefits ( I am XXXX XXXX XXXX ). Benefits were waiver of annual fee and 0 % interest while I am on XXXX XXXX. Recently, I received notification that Barclay 's had reinterpreted their XXXX benefits and would no longer be waiving the annual fee ( I would be charged on the anniversary of my enrollment.
Product: Credit card or prepaid card

Well, this complaint is about Comenity Capital Bank. I applied and was approved for a {$2500.00} limit on a new XXXX card. When I received the card in the mail, I realized it was NOT the Visa but the just regular card. I call and request that the card be converted. They inform me they can not do that, and I will have to cancel the card and reapply. I reapply and guess what? DENIED. There reason : " to many inquires '' So, I think that is very unprofessional, and I was not expecting anything, I just wanted them to do what they said they where going to do, and give me the VISA card.
Product: Mortgage

XXXX XXXX dept of taxation waived my XXXX real estate taxes due to my age and having met the qualifications for the REAP program. On XX/XX/XXXX the taxes were returned to Carrington Mortgage for return to my escrow and then to me. As of today XX/XX/XXXX no one can tell me were my money is at. Can not seem to find any answers. Investigation started in XXXX due to complaints lodged and was to be completed by XX/XX/XXXX. XXXX Va confirmed that Check was received XX/XX/XXXX. As of the date of this filing I have received no answers!
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on the below accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks... 

If, any reinvestigation under paragraph ( 1 ) of any information distributed 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...

( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Account Name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Last reported XXXX Last active date:XXXX Account Name : XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Last reported dateXXXX Last active dateXXXX INQUIRIES : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have notified XXXX, XXXX XXXX Equifax MULTIPLE times stating that this is NOT MY ACCOUNT and it still remains on my credit report. I have submitted a complaint to CFPB, FTC & my state attorney general. I have attached those complaints here. 

In addition, CFPB filed a lawsuit against XXXX proving their deceptive business practices. I have attached that lawsuit here. I too am a victim of these deceptive business practices and fraudulent accounts not being removed from my credit report. Please remove ASAP. 

XXXX and Equifax are in VIOLATION of 15 U.S. Code S 1681c-2. " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, no later than 4 business days after the date of receipt. '' It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identify theft. Please delete these items IMMEDIATELY. 

XXXX has already removed this account from my report as they know it is not mine. Please remove ASAP.
Product: Mortgage

I am the seller of a home that relied on a lender letter saying buyer was credit worthy assets and income verified and ALL DOCUMENTATION HAD BEEN RECEIVED, REVIEWED AND RECONFIRMED. This letter Enticed me to enter into a contract with a buyer that later could not close. XXXX XXXX misrepresentations pertaining to the buyers ability has caused me financial damages.
Product: Credit reporting

I disputed items on my Experian credit report, but was told that the request would not be honored because it did not look right. Experian sent me the notice with one side of the document left blank. I made another dispute attaching their document to it and requesting a free copy of my credit report. They advised me to go online to make the request. I informed them that by law they have to honor my dispute and send me a copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied for any loan or credit card with this company. They refused to remove the info from my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit rating was at XXXX for years. 
On XXXX I traveled from XXXX to XXXX to look fpr a new home. Suddenly, my credit rating dropped to XXXX. I was ineligible to buy many co-ops and condos due to my credit rating being under XXXX. 
I looked at my credit report and 3 charges from years ago appeared on there. In addition. Experian claimed I paid only 2 of my accounts on time. 
I have been devastated by this inaccurate reporting.