23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX  XXXX
Product: Mortgage

During COVID my wife lost her job and we couldn't pay the mortgage. We went into a temporary forbearance and then we got switched to a different servicer for our loan. They thought we were just not paying and treated us like that. Over the last year, we have been able to pay the mortgage and have paid it. They still think we can't pay for some reason and are pushing foreclosure and will not offer any other option. We can pay, will pay and will be staying in our home. Our actual lender ( XXXX XXXX ) who holds the loan wants us to be able to stay in our house and pay them off. SPS is simply just trying to foreclose. This is all from COVID time. We are now able to pay and want to find a way that works for both parties.
Product: Debt collection

I received a collection notice from Optimum Outcomes, collecting for XXXX XXXX XXXX XXXX. a hospital bill. I NEVER received a bill from the hospital nor do I recall services provided on XX/XX/2020. 

This matter is being looked in to by a medical advocate for seniors, as well as re-investigating this with the original creditor. I am requesting time to look into this matter pursuant to the FAIR CREDIT REPORTING ACT and the FAIR CREDIT BILLING ACT.
Product: Bank account or service

I filed charging complaint against Chase Bank in Texas of XXXX, Extension XXXX that XXXX XXXX and I both unresolved problem XXXX XXXX PST, so I was unhappy with Chase Bank that Chase Bank Headquarters refused helped me today through telephone. I felt XXXX XXXX made discriminated against me as he or she told me that Chase Bank Headquarters refused helped me with opening bank account related with debit, checking, and Credit card applications. I can not alone with application for these banking services. I complained with XXXX do not interest in helping me with Chase Bank service. I must XXXX file extra charging complaints against XXXX XXXX XXXX made extra-neglected against me with deaf as she/he made her/his hatred against XXXX as i complained on XXXX acted in bad employee at Chase Headquarters as she/he rude against me as tell her/his employer must fired XXXX from job because of bad behavior.
Product: Vehicle loan or lease

I got a call from someone who said they were the CFO/CEO of kia. Then he proceeded to use profanity saying the XXXX word and calling me the XXXX. This is how men treat women in the south and I didn't have a right to be treated in such a manner. Nobody cusses at me when I didn't do anything to him. He doesn't handle complaints very well is he uses profanity to people. I will never do business with kia. I will sue for discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX all debt to XXXX XXXX was found invalid and dismissed. Documents were forwarded to the company and credit bureaus from the Probate Court. XXXX XXXX continues to report XXXX, XXXX, etc as bad dent and all 3 of the bureau agencies have been no help.
Product: Checking or savings account

Subject : Complaint Against Marcus by Goldman Sachs Account Lock and Withheld Funds ( {$20000.00} ) Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Marcus by Goldman Sachs regarding the unjustified withholding of {$20000.00} and account lock without resolution. 

Details of the Issue : XX/XX/2025 I transferred {$20000.00} from XXXX to my Marcus account. 
XX/XX/2025 I attempted to transfer the funds from Marcus to another bank. 
XX/XX/2025 The transaction was reversed back to Marcus without explanation. 
XX/XX/2025 I called Marcus to clarify the issue. They informed me they do not accept XXXX transfers and attempted to return the funds to XXXX. However, they failed to process the reversal and immediately locked my account without further explanation. 

Since then, over 48 hrs, I have received no timeline for resolution, no access to my funds, and no clear response despite multiple calls. Marcuss actions appear to violate : 1. Regulation CC ( Expedited Funds Availability Act ) Failure to provide access to my funds. 
2. Regulation E ( Electronic Fund Transfer Act ) Failure to process an authorized transfer and resolve errors.

3. FTC Act ( Unfair or Deceptive Acts or Practices UDAP ) Withholding my funds without a proper resolution. 

I request the CFPB to investigate Marcus by Goldman Sachs for potential violations and demand an immediate resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX American Express Customer Service XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Immediate Removal of Fraudulent Account Due to Identity Theft Dear American Express Customer Service , I am writing to formally notify you of a fraudulent account opened in my name without my authorization. As a victim of identity theft, my personal information was unlawfully used to create this account. I have never applied for an American Express card, and the associated address, phone number, and email are entirely unfamiliar to me.

I have already submitted the following documentation to support my claim : Federal Trade Commission ( FTC ) Identity Theft Report Copy of my government-issued identification Social Security Number verification Proof of my current address Despite this, I have been informed that payments were made to this fraudulent account. I want to clarify that these payments did not originate from any account I own or authorized. Under applicable law, creditors are required to block all information resulting from identity theft within four business days of notification and are prohibited from transferring debt arising from such fraudulent activity. 

I request the following actions be taken immediately : 1. Removal of all information related to the fraudulent account from your records within four business days, as mandated by law.

2. Confirmation that no debt associated with this fraudulent account will be transferred or reported under my name.

3. Written acknowledgment of this notification and the actions taken to rectify this situation.

Please direct all future correspondence regarding this matter to my contact information provided above. I expect prompt action to resolve this issue and protect my credit standing.

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Ally Bank, via a letter to my XXXX XXXX XXXX surreptitiously closed both my checking and savings accounts ... in the middle of paying my property taxes, in the middle of finally receiving my {$1200.00} stimulus payment, in the middle of paying bills, in the middle of receiving an unemployment payment, and in the middle of transferring money to bolster my checking account. All this " financial movement '' was simply cut off by Ally Bank for not conforming to Section 35 of their deposit agreement. Oddly, this comes at a time when XXXX made me fight for 45 days for a defective product refund via an XXXX purchase. In my mind, Ally Bank and XXXX colluded in an effort to punish me, for forcing XXXX to go into their pocket for a horrible & dishonest XXXX seller. XXXX as usual is " double dipping '' and easily culpable in this scenario too. Without doubt, this was a reckless act during Covid19 by all three parties. When you read Section 35 of the Ally Bank deposit agreement, nothing in the text pertains to ANY issue I've ever had & was used by Ally Bank as a false pretext to close my accounts. I mentioned to Ally customer service that I saw case law regarding this same issue & my account was promptly closed. I saved all emails from Ally Customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account numbers : 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, 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: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I took out a loan on a used vehicle and made my payments i also paid for credit protection on my loan incase i should become XXXX or something should prevent me from making my payment. In XXXX I suffered a XXXX XXXXXXXX and spent time in the XXXX  and fell behind on my payments. The credit protection I paid for was not honored and I was harassed for my payments. I paid up what I was behind so that there was no past due balance owed the financial institution I acquired the loan from USAA accepted my payments then sent a towing operation out to repossess my vehicle. The tow operator trespassed on private property to take my vehicle which constituted a breach of peace. He tore the whole front end off my car in the process of him removing it from my property. USAA sold my vehicle at an auction for less than it's value due to the damage inflicted by the incompetent tow company XXXXXXXX XXXX Since XXXX USAA has been trying to recoup their loss of value from that damage from me after I had already paid over XXXX dollars of the XXXX that the original loan was for. At that time I had a XXXX credit rating which they have trashed. I now have a XXXX credit rating due to their incompetence.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I ordered a credit report from CIC Credit for my client, XXXX XXXX XXXX and his wife. At the time of the report pull, my client had an open and reporting credit card account since XX/XX/XXXX. However, CIC Credit failed to include this trade line on the report, despite the fact that it was already reporting to the XXXX XXXX  credit bureaus ( XXXX, XXXX, and XXXX ). 

After noticing this discrepancy, I reached out to CIC Credit for clarification. They incorrectly stated that the account was not yet reporting, even though I confirmed directly with the credit bureaus that it was already in their system. 

To prove that CIC Credit had provided an inaccurate report, I paid for another credit report myself in XX/XX/XXXX, and the missing trade line did appearproving CIC Credit 's failure to provide accurate information in XXXX. 

Additionally, CIC Credit forced a second hard inquiry due to their own reporting failure, which was unnecessary and negatively impacted my clients credit score. When I requested a refund for the incorrect report and removal of the unauthorized inquiry, CIC Credit refused to take responsibility and did not take corrective action.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate correction of inaccurate information on my credit report. The incorrect address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and the employer listed as XXXX must be removed. My correct employer is XXXX XXXX XXXX, and my accurate address can be verified using the two proofs of address provided, such as my utility bill. Please update my credit report to reflect only accurate and verified information. Once these changes are made, provide written confirmation from Equifax, along with an updated copy of my credit report. Ensuring the accuracy of my credit report is critical, and I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I DID NOT AUTHORIZE THESE TRANSACTIONS LET ALONE DO BUSINESS WITH THESE COMPANIES. THEY WERE CAUSED BY IDENTITY THEFT/FRAUD AND ARE NOT CORRECT. PR 15 USC 1681 B FOR THAT REASON THEY MUST BE REMOVED OR ELSE I WILL BE FORCED TO TAKE LEGAL ACTION
Product: Money transfer, virtual currency, or money service

The day XX/XX/year> Robinhood sent me an email with the title : Action Required : Your account is temporarily restricted, then next it says : We notice some unusual activity on your account, so we temporarily restricted it to keep you safe. To resolve this restriction, we just need to verify some info to make sure it's really you. Be Sure to have these things to hand. Photo you ID, Live selfie photo, PDF bank statements. 
I got all of it and then submitted all of the documents the next day, today is XX/XX/year> and i don't have any news about it, I need my money back from Robinhood to my bank account and I can't because my account is restricted and don't let me make any move, I need my money for personals matters and they don't let me get it, I already send emails to customer services, I tried to write to the chat with customer services but the app do not let me, I tried to call to customer services but it says they are experiencing longer waiting time and I am in the wait list, they will call me back, but they never call me back.
Product: Credit reporting or other personal consumer reports

I have these inquiries that I have no idea where or how they came about. I definitely haven't been using or obtaining anything that has to do with credit with any of these companies or parties that are a hold of the hard inquiries section of my credit report causing derogatory marks on my report. Again I don't know who these companies are that have pulled my credit report because I have not authorized them to do so. according to 15 USC 1681 B, they have to have a permissible purpose in order to pull my credit report or cause a hard inquiry. the following companies and the removal date are on my credit report. 

names : Date : Removal : 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
Product: Credit card

I am writing to formally express my concerns regarding Apple Credit Card handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Apple Credit Card numerous times and reporting discrepancies, my financial institution and Apple Credit Card failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Apple Credit Card has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, and XXXX XXXX Account XXXX XXXX has violated my rights. This is my second attempt to correct this issue. Please attach proof of documents. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 2 : States a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : 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: Credit card

I received a notice that my account was over limit ( {$2200.00} ) in XXXX of XXXX. I paid the balance given to me as the entire amount owed ( {$2500.00} ) without any future charges, and closed my account. I printed out the receipt from their site. My credit report kept showing delinquencies and decreasing credit score, then a reiteration of the report that the account had been paid in full as of XXXX XXXX ; reported to the bureau on XXXX XXXX. XXXX and XXXX the account was reported paid ( XXXX ), XX/XX/XXXX and 27 reported account closed. Reports of delinquencies continued, and then on XXXX XXXX the account was charged off as bad debt by Synchrony for {$2800.00}, supported by an affidavit sworn by an employee of Synchrony in XX/XX/XXXX. Suddenly, I'm receiving mail from a law firm, XXXXXXXX XXXX XXXX XXXX in XXXX, MD stating that I was reported as owing {$2800.00} to Synchrony and I could dispute the report in writing on the letter they sent ( which I did ) and would receive copies of any correspondence in regards to the file. I attempted to call the firm and got no response either time I called. They sent a summons that was incomplete, then the filed in and registered summons was stuffed into my door frame about 2 months later, XX/XX/XXXX. 
The file name indicates Synchrony, and it uses the paid off and closed ( repeatedly reported ) then charged off account number. I'm not sure where the law firm fits in because the account was listed as charged off as bad debt by Synchrony, and the account was closed. It was not sent to collections, although they harassed me with daily calls from XXXX XXXX to after XXXX earlier in this mess. When I called Synchrony in XX/XX/XXXX to request information and was routed around and begged to not involve the XXXX  nor any other regulatory agencies, I also told them to stop harassing me. To their credit, they did stop the endless harassment in that manner, the monthly credit reports caused stress and negative financial impact. They comprised the entirety of my credit report, and dropped my credit score.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I filed disputes with Experian regarding inaccurate information being reported by the agency within my credit report by XXXX XXXX XXXX, which is a third-party collection agency. Both XXXX  and Experian have violated my consumer protection rights, as I have never opened the account mentioned ( Account # XXXX ) nor did I authorize anyone else to open this account on my behalf.
Product: Credit card

To Whom It May Concern, I am writing to file a formal complaint against Chase Bank regarding an unjustified hold on a payment made to my business credit card account, which has severely impacted my business operations. 

Complainant Details : Name : XXXX XXXX Credit Card Number : XXXX Date of Incident : XX/XX/XXXX Amount in Dispute : {$12000.00} Description of the Issue : On XX/XX/XXXX, I transferred {$12000.00} to my Chase business credit card account. This transfer was intended to ensure I would be able to use the business credit card and that all business expenses would be properly deducted from my business account. However, Chase has placed this amount on hold for a " security review '' and stated that the funds will not be released until the XXXX of XXXX without further justification. 

Impact on My Business : The hold has prevented me from processing critical business transactions and caused damage to vendor relationships due to delayed payments. 
It has resulted in overall disruption to business operations, potentially affecting long-term business stability. 

I have contacted Chase customer service multiple times to request an expedited review and release of the funds. Despite my efforts, the issue remains unresolved, and Chase has not provided a satisfactory explanation or resolution. 

Desired Resolution : Immediate release of the {$12000.00} held by Chase. Audit of Chase business practices in that regard. Assurance that similar issues will not occur in the future. 
I believe that Chase 's actions are against consumer rights and represent a highly despicable business practice. I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that financial institutions like Chase uphold their obligations to their customers. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly. 

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

I'm reaching out because XXXX XXXX has reported m as being 30, 60, 90 days late on XXXX, XXXX, and Experian for a payment that never showed in the phone app as being late.. If I was late on a payment or payment didn't go through ; that's the first thing that should show up when I open the app and not only was I not notified but It didn't even show me being late in the app. I spoke with a customer service agent earlier and explained that even if the payment was missed : which it wasn't The next payment was due two weeks after and the payments all come out automatically. Please explain why I would miss a {$20.00} payment that's auto debited on the day I get paid?? Other people have had issues with bugs on the app and I've had issues in the past. My payments should be updated to all of my payments being paid on time because this as a error on the end of XXXX. It's literally $ XXXX {$20.00} - I wouldn't go 90 days and not pay that small payment ; while making payments. I will attach a screenshot that shows all payments being mad eon time within the XXXX   app
Product: Student loan

Several weeks ago I called about my loan which was past due. I've been enrolled previously in a low income driven plan that reduced XXXX payments. I advised I wanted to reenroll in that service. I was put through an automated service, advised I will be paying XXXX monthly for 6 months. I asked about Forbearance on my past due, because that was always done in the past. I was told I will have forbearance applied. 

I called Navient this morning. I was told that I will get forbearance only have 3 consecutive payments. I was placed in a different program than I called about. I discussed at how the rep told me this over the phone on the forbearance. He said he will have the Supervisor review the phone call coach the representative. I advised this will not help me in the present. I explained my frustration that I specifically asked about this, because I do not want my information to be reported to the credit beuaru. I also mentioned student loans are taken very seriously by Federal laws, what is promised over the phone, and shared has to be very accurate. I discussed I would share this with a third party agency such as this one. He quickly placed me on hold to get a Supervisor. He came back without one, said I can sign up for another program, but I will have forbearance after 3 payments. This was also explained in the 5 minute recording I listened to. I asked the representative in the previous call this information on the forbarance after the recording and she confirmed I would have it after the payment.