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

My name is XXXX XXXX have a personal & XXXX account with Chase Bank. Yesterday morning after multiple failed attempts to pay bills. I double checked my account via the Chase app. To my dismay I see that my account has a negative balance of {$49000.00}. I contacted Chase to find out what was going on. To my dismay my account was frozen. It appears that Chase has allowed a Garnishment on my account. I stopped by a Chase branch to pick up a copy of the order. To my surprise the order is not mine. The XXXX order has listed a social security number which is not mine and a name that is not mine. Also this order has business listed that I have never been associated with. There is a section that has a name similar to mine but not mine. The Attorney who ordered the Garnishment listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX not associated with me or my business. With that being said my business is not a XXXX but an XXXX. It's is its own entity. Which is protected from anything to do with this other person. It appears the the garnisher thought by listing a XXXX that it would make it easier to gain access to my accounts. Again Chase should have never allowed this account is its own entity. None of the personal identifiers match including social security number names or addresses. This should have been a red flag to Chase bank. This needs to be rectified immediately. Also this court order was issued by a court outside of my home state which is XXXX. A New York state XXXX XXXX should not be enforceable. My other account business is for an LLC based out of the state of Wyoming. Again a XXXX XXXX XXXXXXXX order shouldn't have been enforceable. Also myself nor my business has never done business with the company who sent the Garnishment order over to Chase. That companies name is XXXX XXXX. However Chase is at fault for not questioning the information they were provided.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I disputed this incorrect inaccurate information. According to 15 USC 15 USC 1681 eb / XXXX ( XXXX ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates consumer reporting agency. I have attached documents as proof of XXXX, Experian and XXXX XXXX violation of FCRA.
Product: Credit reporting

Equifax deleted my creditor XXXX XXXX XXXX and XXXX account that was opened in XXXX 1993 and is current and paid as agreed. 

I did not dispute this account for removal or fraud. I want Equifax to reinsert my XXXX XXXX XXXX and XXXX account in good standing, paid as agreed with no negative activity. 

I want Equifax to stop merging my credit report information with other peoples information.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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

On XX/XX/XXXX I contacted The XXXX XXXX XXXX XXXX XXXX ( Comenity Capital Bank ) regarding late payments inaccurately shown on my report from XXXX & XXXX of XXXX. I spoke with a rep named XXXX to advise that based on The CARES Act the payments during Covid should not have been reported as late. I was assured that the information was being sent to the necessary department to have the information updated. I was also promised an email confirming the same. As of today, XX/XX/XXXX, I have not received any email with that information and the payments still incorrectly show as being late on my credit reports. I contacted the company again and was transferred twice to an automated system about requesting a security freeze or my credit report ( which is not what I am requesting ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX dated XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there was CHARGE OFFS account on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove these charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXXXXXX XXXX XXXX XXXXXXXX
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.

15 u.s.c 1681 section 602 a the right to privacy act united states 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 instruction 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency my 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. 


XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have been a customer of Bank of America for over 22 years. I was XXXX in an accident in 2004 when I XXXX XXXX XXXX and XXXX as well as my children 's benefits money goes directly into two of the three accounts I have with Bank of America. 

This morning without any notice or letter, I tried to use my Bank of America debit cards - I have two accounts. Neither one would work. I called bank of America and they informed me that as a business decision they decided to cancel my accounts, leaving me no access to my money or my XXXX direct deposits, and I would have to wait up to 90 days for them to give me my money. 

I have XXXX children, I need medication, they have all of my money and canceled my accounts without notice. They said it was in my account agreement from over 22 years ago!!! This should be illegal. How do I get money?????? How do I get gas. How do I get food, How do I get my medication. How do I feed my children????? Pay my bills.
Product: Checking or savings account

I opened a TD Bank checking account on XX/XX/XXXX and closed it after six months. I reopened the account on XX/XX/XXXX. Account to promotion agreement on their website, '' Offer is available to a new personal checking account at TD Bank with the preceding 12 months '', I believe I qualify for this offer. The KEY words are customers who do not have an existing or prior with the preceding 12 months. I did not have an account with TD Bank in the past 12 months before I reopened. I met the offer criteria. I had tried to contact the representatives through the security message, and they did not solve my problem. They told me that I do not qualify because I received a bonus on a prior account.
Product: Credit reporting

Experian reporting incorrect/false information on my credit report relating to a XXXX XXXX account that is not mine. I have never had a XXXX account nor have I ever authorized the use of their services
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying XXXXm using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Product: Consumer Loan

I have XXXX late marks on my credit report for XX/XX/XXXX and XX/XX/XXXX I reviewed my payment history with Santander and noticed that I made payments in both XX/XX/XXXX and XX/XX/XXXX. I called to get this corrected and they stated, " We do not do that. '' In addition, my account balance has only decreased by under {$100.00} since I got the loan back in XX/XX/XXXX. Santander could not give any detailed information as to why.
Product: Checking or savings account

I submitted a fraud complaint on XX/XX/XXXX. Upon further investigation into my account, I realized the fraud was more extensive and filed an additional fraud case with the bank on XX/XX/XXXX. Per Reg-E, the bank was to issue me a provisional credit within 10 days of receiving the complaint ; however, that wasn't done until XX/XX/XXXX. 

The bank did not adequately investigate the fraud claim. The bank refused to provide written documentation when I requested it related to the investigation. 

The bank cancelled my account on XX/XX/XXXX citing " risk ''. On the same day, the bank put a $ XXXX hold on my account citing the need to reverse the provisional credits assigned during their fraud investigation. Today is XX/XX/XXXX and the bank still hasn't lifted the hold and released my personal funds. 
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Product: Mortgage

We put our house up for short sale, it has been up for sometime. We received a solid offer based the comps in the area. Investors want an offer of {$120000.00}, which is unrealistic. When I asked if the comps were reviewed I was told not really. They refuse to stop the sheriff sale
Product: Money transfer, virtual currency, or money service

I made a {$5000.00} transfer and it went to a JP Morgan account. The JP Morgan account was part of a scam and all my money was stolen
Product: Checking or savings account

On Wednesday XX/XX/year>2025 My direct deposit did not show as it normally does. Now Thursday XX/XX/year>2025 I still have not received my deposit and also have no updates on I will get it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a personal loan from XXXX XXXX. I fell behind on the loan for over 120 days, so XXXX XXXX initiated a legal process to collect the overdue amount and the balance of the loan. Because of this, and legal fee of {$86.00} was assessed. I was able to pay the overdue amount before this issue got to court, got the account back in good standing, and have made on-time payments ever since. Contrarily, my account has been reported as late from XX/XX/XXXX even though payments have been made on time. I called the bank and spoke with the manager ( XXXX XXXX ) and she was unaware as to why my account was being reported as late when there was a {$0.00} past due balance. I then wrote a letter asking them to rectify this matter and accurately report my account to the credit bureaus as this was now negatively affecting my credit. Come to find out, the reason they were reporting my loan balance as late is because of the {$86.00} legal fee which the Branch manager nor the other employees that I previously spoke to knew about. Moreover, the {$86.00} was not reflected on my statements nor bank summary until I brought the delinquent reporting to the bank 's attention. I then asked if I could pay the legal fee, but I was told that I could not and the only way the get rid of it is to pay the total loan balance which at the time ( XX/XX/XXXX ) was {$8000.00}. So the bank has been reporting my account as late for a {$86.00} legal fee that I could not pay and that is not a part of the actual loan amount that was borrowed. Nonetheless, it is being reported as though I have not made any payments for over a year when this is in fact not true. I've called the bank and formally written them several times only to get the run around and contradictory information. Finally, in XX/XX/XXXX I was told that " Senior Management '' has decided to allow me to now pay the legal fee, which I did. I sent the {$86.00} payment in on XX/XX/XXXX. However, it is still being reflected on my credit report that the account is past due for {$86.00}. Additionally, they've incorrectly reported my account to the credit bureaus. The account has not been delinquent since XX/XX/XXXX. It was being reported as delinquent for {$86.00} that was not a part of the loan amount and I was not even allowed the opportunity to pay that fee until a XX/XX/XXXX. When I asked if they would correct the erroneous reporting, they said no although they admitted to incorrectly reporting this information. Still to this day the {$86.00} is still being reported as past due. Additionally, they have not correctly credited the {$86.00} for the fee to my account. Dealing with this bank has been an absolute nightmare and it should not be this hard to get things done correctly or information reported right as this is their profession. The worse part is that it's clear that the people at this bank has no care or concern for how they're negatively impacting my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

We requested that Equifax put a freeze on our credit, as we were among the 130M whose PHI was hacked from their data base. It became necessary for me to open a personal phone account with XXXX on XXXX XXXX, 2017. XXXX was not able to open the account due to the freeze. I spent at least 45 minutes on hold with Equifax waiting for someone to pick up, in the XXXX office and no one ever did. We contacted Equifax at home and asked them to release the freeze for 72 hours will I was applying for the account. I went back to the XXXX office one during the 72 hours and went on line with XXXX for them to start an account and both times they were told there was a freeze. We then went to Equifax and asked them to permanently lift the freeze. Two more attempts were made by XXXX to start an account and both times they were told there was a freeze, the most recent was XX/XX/XXXX. However, on XX/XX/XXXX, we receive communication from Equifax that the freeze had been removed and our complaint was " completed ''. 

If I needed to have credit issued for any emergency, I could not because Equifax has been inadequate at fixing this problem. Please advise what I can do next.
Product: Credit reporting or other personal consumer reports

XXXX and experian violated my right under usc.1681c ( b ). Again they both failed to ensure the accuracy of my information and this is not in compliance of the FCRA. I am requesting that all information contained in these reports to be deleted immediately XXXX XXXX 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: Student loan

I was in a grace period after I graduated, but couldn't find a job so I applied for an IDR plan. I turned all of the documentation in well before my due date. The website states it will be processed on XX/XX/2020 and it's been on hold ever since. I keep calling and get told the run around. They keep saying I don't owe anything but can never send me it in writing. I log in and it says I owe XXXX and change due XX/XX/2020. I've repeatedly told them I can not afford that, it's over half of my gross income. They refuse to process my IDR application.
Product: Debt collection

Thank you, CFPB, first, I want to thank you for helping me in the past. If you were look into your history regarding my past complaint, it is related to my past complete. During the first of the year around XX/XX/XXXX my employee card with my other credit cards as well as my bank card were all breached I in turn close every account that I had which also included Shop Your Way credit card. All of my accounts were closed on XX/XX/XXXX of 2023. These purchases were made after the XXXX around the XXXX of the same month even though I confirmed with Shop Your Way that my account was completely closed they are still asking me to pay for something that I never purchase. Because of my history with you CFPB Im asking you if you would do the investigation yourself because theyre not doing their internal investigation or an extended investigation regarding this matter please contact me at your earliest convenience through the email on file. 
Additional information at the closing all accounts I open an account with XXXX XXXX and consolidated all my cards with XXXX XXXX. 
These are two of the latest documents on file
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XX/XX/XXXX To : Credit Control , LLC Formal Demand for Compliance and Damages Dear Credit Control , LLC On XX/XX/XXXX, I called your company at approximately XXXX XXXX  after several intrusive text messages were sent to me while I was at work and spending time with family. During the call, I repeatedly asked if you were a debt collection company and the purpose of the call. Your representative refused to answer and instead vaguely kept stating that the call was in regards to a personal business matter. After several unsuccessful attempts, I hung up. 

This refusal is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e ( 11 ), which requires clear disclosure that the communication is from a debt collector. Similar deceptive practices have been addressed in cases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXXXXXX XXXX ), where the court awarded damages for a debt collectors failure to properly identify itself, emphasizing the consumers right to transparent communication. 

Your failure to identify your company and the purpose of the call caused unnecessary stress, confusion, and emotional distress. I was left feeling anxious and uncertain about the legitimacy of the call and its purpose. This deceptive practice, as seen in cases like XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX XXXX ), demonstrates the harm caused when debt collectors fail to follow legal requirements, often resulting in awards of statutory and emotional damages to the consumer. 

I am demanding the following : {$2000.00} for statutory violations, including your failure to identify yourself as a debt collector under 15 U.S.C. 1692e ( 11 ) and your deceptive practices under 15 U.S.C. 1692e ( 10 ). 

{$2000.00} for emotional distress caused by your evasive and misleading behavior, which left me feeling anxious, confused, and unsure about the legitimacy of the communication If I do not receive payment or acknowledgment of this violation within 15 days, I will escalate this matter by filing complaints with the CFPB and FTC, as well as pursuing legal action for additional damages, including attorneys fees and costs. 

I trust we can resolve this matter quickly and professionally. Please direct all responses to me in writing at the address above. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

MY NAME IS XXXX XXXX XXXX I WAS VITICM OF IDENTIY THEIF SOMEONE STOLE MYWALLET IM XXXX YEARS OLD I DIDNT REALIZE IT UNTIL PULL MY CREDIT. I IMMEDIATELY WENT TO MY LOCAL POLICE DEPT. DET XXXX XXXX WAS ASSIGN TO CASE IT WAS APPROVE. THE ACCOUNTS ARE XXXX XXXX, HSBC BANK, XXXX XXXX, XXXX, XXXX XXXX XXXX, AND XXXX XXXX
Product: Credit card

I am in bankruptcy as of XX/XX/2015. As such, I should be afforded all bankruptcy protection from creditors as per the automatic stay. This account is reporting that it is included in my bankruptcy, as well as is reporting me as late. My wife and I have been constantly monitoring our credit on a weekly basis during this entire bankruptcy process as my scores have a direct effect on my line of work. This reporting of lates has crushed my credit score and needs to removed ASAP. This is double hitting my credit score : once for being in bankruptcy and again for reporting me late. THIS REPORTING OF LATES IS ILLEGAL. Another issue here is that we 've been monitoring our credit through XXXX and these lates never showed up. This lates are from XX/XX/XXXX and XX/XX/2015. We found them because of a hard credit inquiry on me personally for my business.
Product: Money transfer, virtual currency, or money service

I have been scammed out of personal cash also have been harassed about receiving money from cash app and I can't even confirm that it's true