23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Chase Bank NA, after having subjected me through a long & detailed application & qualifying processes, has finally & officially approved the Chase Ink Business Cash Credit card & physically sent to me, as attached. 
However, when I use the card, I was informed that the chase bank staff had unilaterally locked the credit card & close my account without my knowledge & conscient. In fact, the Chase bank staff has committed a gross mistake & error of locking & closing of my credit card n its account, after it has been officially approved by Chase Bank n sent to me. In no uncertain terms, I did not inform Chase to close my Credit Card whatsoever!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with an account and inquires I did not authorize please delete
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer SSN : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal charge card opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a note loan opened at XXXX  XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in a few fraudulent hard inquiries and fraudulent accounts appearing on my consumer FICO credit report. I've attached documents with the accounts and inquiries in question maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts on my credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft.
Product: Checking or savings account

I have been banking with Truist for a few years now. I notice that we have incurred alot of inaccurate and excessive overdraft fees. When I spoke with a representative about it, my transactions always were out of order of occurrence and small amounts of money disappeared from my account that cant be accounted for. I have also closed my cards and somehow transactions are still coming through my debit card and I spoke with a representative several times and no one has been able to help me.
Product: Debt collection

the debt in question is not mine I was XXXX between XX/XX/XXXX to XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my second request to Experian to provide me with the method of verification on this account and they have yet to respond.
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

Deposited a check from my grandmother for {$5000.00} on XX/XX/21 and it has the check on a hold. Meanwhile the same day they took the funds out of her account and have fully verified the check. Spoke with the bank this morning XX/XX/21 and they still said I have to wait till XX/XX/21 to receive the funds. Not fair how they can remove the funds and hold them while giving me the excuse they are waiting for it to clear.
Product: Credit card or prepaid card

I have 2 other complaints that have not been worked on... bank of america is not fixing the issue correctly... I AM HOMELESS AND IT IS WINTER TIME. IM VERY COLD.. PLEASE RETURN MY FUNDS... 

Back in XXXX of XXXX my truck was broken into and my gov I.D Social Security card, Birth cirtificate, debit card, plus clothing, medications ect, was stolen.. i was homeless at the time and still am today. So many bad things were already going on in my life that filing for identity theft wasnt gon na help, who ever stole my debit card kept it and took total of XXXX out of my account in XX/XX/XXXX of XXXX ... whoever broke into my car knew i had a pending claim previously awaiting to be credited, they had ALL MY INFO and there was nothing i could do ... when i call to do a check up on my claim from XXXX they say it was credited, but i saw no fund .... thats when i reported the crime to bank of america in XX/XX/XXXX in a timely matter. I was unaware of the funds being tampered with i then proceeded to filing to for indentity theft because i didnt want anything else being messed with .... it is now XX/XX/XXXX and i have been fighting every day too get my claim resolved properly... i gave police reports, sheriffs contact info.. written statements and bank of america has been unprofessional and lack the care too help me resolve my issue... bank of america is treating me as a criminal. I filed a claim with CFPB back in XX/XX/XXXX, bank of america has not given a final response. My issue is not being handled .... i feel discriminated against. Bank of america fix this issue and return my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a dispute letter to experian, also called them on XXXX, asked them to reinvestigate a few inquiries and accounts on my credit report that arent mine. I reported these accounts as fraud in past, each time Experian reports them as verified. They also took 38 days to complete investigation, never mailed me the results, nor did they provide their source for the investigation. They claim I have a bankruptcy on my credit file, which isnt mine, they did not verify it with the court, they used a 3rd party agency. I request they remove all errors off my report that I have previously reported
Product: Checking or savings account

my bank has been charging me insufficient and overdraft fees for over a period of 4 years. The supreme court has finally rules against banks for charging such fees.

therefore i demand punitive damages and compensation of these unfair and illegal business practices. If you continue to ignore my request, i will file a lawsuit in superior court.
Product: Debt collection

The company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also documents so I may review to see if this is actually an account that belongs to me as well as law 15USC 1692 c ( c ) which clearly states if a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.
Product: Credit reporting or other personal consumer reports

I am in shock. I took a look at my credit report and noticed several accounts I did not open or even apply for. I notified the companies to let them know I did not apply for these accounts however the accounts have been repeatedly reported negatively to my credit profile. These negative accounts are stopping me from moving to another level in my life. Which is causing severe XXXX. I am at the end and I do not know what else to do about these accounts. 

These big name companies with big pockets are violating my rights and hurting my small pockets. Virtually and financially XXXX me. Keeping me in poverty and unable to survive and sustain the american dream. I know this is wrong morally and according to the law 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. 


I have attached a copy of my identity theft report. Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed all non account holding inquiries with Experian.They did Not investigate my dispute. I reached out to all of the companies the inquiries came from none of them had proof that I authorized the inquiries. Experian violated the Fair credit reporting act by refusing to investigate all these inquiries that is not mine. I have had problems with Experian over and over again about Anything I dispute Experian is the Only Credit Bureau that will NOT DO THERE JOB they violate the FCRA for almost 2 years on all my disputes. I have contacted their attorney general and I'm going to Sue Experian for {$1000.00} for Every inquiry they have on my Credit Report. If Experian have Anything they can send me as Proof I authorized inquiries I want them to send it to me ASAP!
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. 
Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. 
Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. 

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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # 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 an account without my written instructions.

This account has also been paid in full/settled for a lesser amount. I would like to have the account removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Certified Mail XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Re : Credit Report Dispute XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : After reviewing my credit report, I am writing to dispute the following inaccurate information. 

XXXX XXXX XXXX ACCOUNT ENDING IN XXXX ALLEGED BALANCE {$500.00} The information listed is incorrect. I previously filed a dispute when the balance was still owned by the original creditor. The original creditor was listed as a XXXX retail credit card. At that time the original creditor and Credit Reporting Agencies agreed with my dispute or couldnt verify the disputed information, and the debt was deleted from my credit file. It was shocking and damaging to me to find that suddenly the debt has been republished on my report, under the name of a new lender, without showing any indication the debt is disputed. This is not right and is directly impacting me in negative ways. 
XXXX previously removed the accounts from my credit file, but I recently discovered this debt is back on my XXXX credit report. As XXXX XX/XX/XXXX, XXXX began to report the account once more on my credit file. This isnt right and the loan should be deleted from my file like it was several months ago. 

Please let me know if you have any questions. 
Sincerely, 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: Checking or savings account

I disputed a charge for {$72.00} because I was not given back my deposit I put down for a loaner car. My car was ready to be picked up on a Saturday and this dealership closes at XXXX on saturdays and I was working and unable to go at that time and they are closed on sundays, which means the only day I could return the car was on Monday and I shouldnt be charged for that and the service manager at XXXX said I wouldnt be. Chase obviously did not agree.
Product: Debt collection

I attempted to call my creditor to resolve my account, and they transferred me to the law firm managing the account. 
The law firm refused to accept my proposed payment arrangement based on my capacity to pay at present. 
The law firm representative advised that the account was litigated, and that there was a real estate lien on my property. I do not own property. It is apparent to me that they were attempting to intimidate me with this false information as a means to collecting the entire balance immediately. 
The representative and supervisor with the law firm stated that they would not accept my proposed payment arrangement because " it does not meet the requirements of their client '' ( the original creditor ). 
The communication with the law firm representatives ended with their confirmation that they refuse to accept my proposed payment arrangement to resolve the account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 or other personal consumer reports

I am filing a formal and urgent complaint against XXXX  for their blatant disregard of the Fair Credit Reporting Act ( FCRA ) and their gross negligence in failing to validate and verify an account listed on my credit report. Account : XXXX Account # : XXXX XXXX XXXX : {$390.00}
Product: Mortgage

The Value on my property has gain enough equity to qualify for XXXX % to XXXX % LTV to remove my PMI. I have proven this with Comps and by consulting with a local appraiser and I sent in a written request to my Bank Flagstar requesting the Removal of the PMI. My bank Flagstar Mortgage keeps giving me the Runaround in regards to the process in which they require me to take in order to remove PMI. I have been told different procedures by XXXX different representatives, I have been told that they will send me a letter explaining what to do and I have not received anything, I have been told that I will get a return phone call and still no return phone call. I have been told that they lost my paper work and that an error cancelled my process. This has been going on for over 2 months and I still can not get an answer on what to do. I have no problem getting an appraisal. A rep from flagstar told me that a letter that will be sent to me states that I need to get an appraisal from XXXX XXXX so I contacted imortage services and imortages services said that the appraisal is {$350.00}, but Flagstar says they wants {$460.00}. I will pay the {$350.00} but feel that I do not need to pay Flagstar an extra {$100.00}, this is extortion. However I still have not received any letter. I have been lied to, ignored, and have spent countless hours of my own time trying to get an answer.
Product: Credit card or prepaid card

I received a card in the mail from Netspend All Access by XXXX. I did not request this card and have no idea who this company is or why I received it. Their customer service lines wont let you speak with a person. Receiving this makes me worried I may have suffered identity theft. The card requests I activate it, and I could only succeed in opting out on their automated line. When I called their other customer service line, they ask for my social security number so I hung up. This is incredibly frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I was notified by my credit repairer that I had 5 new inquiries on my credit report. I was highly upset because that highly effected my process that was previously paid for and will cost much more as well as take even longer now to fix. The biggest problem with this is that I did NOT do these things nor did I authorize anyone to pull my credit without consent. The inquires came from check into cash I have not had any contact or affiliations with them since XX/XX/2020 when that was only to pay them off and be completely done. I have no idea why they would come back later as if I tried to apply again. The second biggest problem is that when I reached out to them they spoke to me as if I were uneducated and silly! She told me that the inquiries I saw were soft inquiries and do not effect anything and that I was the only person who could see this. Which in fact, my credit score went DOWN 66 because they pulled my credit not once but did FIVE inquiries, I am on my own personal credit repair process which this highly effected, and XXXX XXXX  is certainly a credible source in which I, as well as anyone else can see the inquiries she claims does not effect anything. 
I was very disturbed by her response which in fact even IF she claims these were soft inquires these were inquiries I DID NOT MAKE AND OR CONSENT TOO. So we have the same issue. I advised that they remove the inaccuracy or I would be filing a complaint and as you can see below they refused. I am highly upset and would like these inquiries removed immediately and compensated for how this has effected me. This is very wrong of this company and these things should be corrected without a representative telling me wrong information when I have been professionally advised and as representation of this company she should at least give accurate information not continue to wrong faithful customers.
Product: Credit card or prepaid card

Around XX/XX/2019 - HomeDepot closed 2 personal and 1 business cards. No explanation was given -- I was told to contact them in writing over the phone and no further assistance was provided. I have paid my balances on time the entire length of my history with them. This is evident in my credit report and high credit score.
Product: Credit card

I signed up for XXXX through capital one offers and they were supposed to give me XXXX points in return. There have been hundreds of people complaining on XXXX about the same thing. Almost none of us got the points deposited. 

I followed capital ones terms exactly and they will not give me my points. 

I will attach screenshots of everything proving I signed up and was charged.
Product: Debt collection

I reached out to these companies below to see if they had permissible purpose for these hard inquires and no one responded, they either left me on hold or the phone disconnected. I'm trying to purchase a home and the inquires are vital and affecting my ability to purchase, I'm requesting they are removed immediately as they ahve been on my credit report for over 1 year now. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 16 U.S.C 1681 section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX