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

I opened a Chase checking account back in XX/XX/2023. Right after the account was opened, I made a mobile check deposit of {$3000.00} to this account on XX/XX/2023. A couple days later, I received the letter from Chase saying that they need to verify the maker of this check. I called the number indicated in the letter and told them that I want them to verify the maker of this check. They asked for my company 's name and asked me to provide them the official business phone number of my company. I provided a couple of numbers I found and they told me that based on the records in THEIR SYSTEM, the numbers were incorrect. So I told them that I would verify with my Payroll department and call them back. A couple days later, I called Chase back and told them that I got the correct check verification numbers from my Payroll department. When I asked Chase to make calls to these correct numbers I gave them, again they told me that the numbers are not the right numbers based on THEIR records. That's when I realised that Chase DID NOT keep their system updated and Chase does not have the correct numbers in their system. By this time, Chase had already swept the money to their Central Authorization Team and closed my checking account. In the meanwhile, there was nothing my company could do to stop pay this check. Thereafter, I also went to the branch office and see if they could help. They also ended up calling the number and I got the same answer from Chase. There is nothing they can do. They can't verify the check, so they can't give my money back.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the elimination of any incorrect accounts from my credit report. Could you take a look at the documents? Certain listed accounts display inaccuracies concerning reporting, amounts, and dates.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I got an email from cash app stating my account had been closed for suspicious activity! I called and asked what was the suspicious activity or what specifically i did wrong because i only made purchases or recived money and they only told me to read the terms and conditions i still have a tiny amount left in my account {$1.00} something but its the principle of them not giving me a specific reason why!
Product: Mortgage

My credit was destroyed by my mortgage company. I have tried to dispute the incorrect I formation online. It started XX/XX/XXXX. I started to fall behind due to divorce, and no help from ex spouse. I was 2 months behind XX/XX/XXXX, went to make the full payment and they sent it to the lawyers. I called their lawyers and they refused payment. They said I had now to do a modification. I told them I did n't need one. They said it was too late and there was nothing I could do. Then I fought with this company for over 6 months doing this modification. My point of contact by email would never respond. I would scan and send all the requested documents. Then weeks would go by with no replys. They would then say my information was outdated and make me do it again. I was served foreclosure papers in the meantime of this mess. Went to court twice, with all of my documents. I started forwardingredients their lawyer everything I sent them as proof I was doing it. This just dragged on. They finally completed their what I feel was a huge scam. I owed close to what the original loan amount was after 9 years of payments. My loan amount was {$82000.00} in XX/XX/XXXX, i owe {$77000.00} now XX/XX/XXXX..HOW?? They just " applied '' over {$1000.00} credit to the account from a review of this mess. Never with any calculations as to how this came about. PHH had a lawsuit against them filed in NJ that I called to join, but was n't returned. It was for the SAME issue. They were told to settle with clients they have done that to. Please help fix my credit. Thank you kindly! This company has not handled themselves in a law obeying manner. Looking back I should have done more to fight. But I was so consumed with the kids after the divorce, and myself an XXXX Veteran who has not faired well since I returned home in XX/XX/XXXX. Thank you again.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my right.

Under 15 USC 1681 Section-602, it states I have the right to privacy.

15 USC 1681, Section 604 ( a ) ( 2 ), it also states a consumer reporting agency can not furnish an account without my written instruction.

Under 15 USC 1666 ( b ), a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Debt collection

XX/XX/XXXX I called the company to request an invoice with account numbers. The rep I spoke with said she would email the invoice however as of XX/XX/year> I never received the email. 

I called the company again XX/XX/XXXX to request the invoice again and was told they will not send the invoice out. That they didn't have the power to and I would have to email someone, I did and was told they are not going to send out an invoice with the account numbers.
Product: Debt collection

Request signature from Exeter due to telling them account doesnt belong to me. Exeter sent a Truth in Lending act with signatures that are not mine. Due to the issue ive taking possession of the vehicle from my XXXX XXXX due to correcting issue with Exeter due to the attempted to repossess the car after telling them intent to pay if provided loan paperwork. Because I asked from loan paper work they attempted to get a quick fix instead of handling problem civilly or verbally. Repeatedly Ive told representatives to provide paperwork so we can settle amicably.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Chase Bank for unjustly terminating my account, withholding my funds, and providing poor customer service, which has caused significant financial hardship. I deposited a check for military XXXX compensation, and shortly after, my account was locked without explanation. After days of being unable to access my funds, my account was ultimately closed while I was on vacation in another state, leaving me stranded without money. 

When I contacted customer service for answers, I was repeatedly dismissed and told, You signed the contract, without further clarification. I was also informed that a XXXX is going around cashing in checks, implying accusations of fraudulent activity without any basis or assistance on how to verify my check. Chase has refused to release my remaining funds, citing verification issues, and directed me to contact the U.S. Treasury instead. I have submitted all requested documents as instructed by the branch XXXX, yet my verification was denied without notice. 

This situation has resulted in a frustrating cycle of endless calls between Chase and the Treasury, long wait times, and no clear resolution. Due to Chases actions, I have experienced severe financial distress and unnecessary hardship. I am seeking immediate release of my funds and compensation for the financial and emotional stress caused by their failure to provide proper assistance and transparency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this note reaches you well. I recently have been trying to borrow credit for one of my four businesses. Though, I have a bankruptcy on my account which is false. I have been trying to have this removed for some time. It has been removed from 2 credit bureau 's but still on one, TransUnion. Therefore, I am unable to do my regular business transactions now. I'd really like to borrow money for my business and only have this single issue with my credit. I could borrow in the future since I'm a reliable borrower and pay back my debt. Though this negative remark on credit report hinders me doing business. I truly am a responsible person. I would really love the help in resolving this matter as soon as possible. 

Thank you. 
XXXX XXXX
Product: Mortgage

I checked with my existing mortgage holder, Village Capital, regarding doing a VA Interest Rate Reduction Loan ( IRRL ) on my existing loan. The loan terms presented were unfavorable, offering me approximately XXXX dollars of savings a month with no recoupment, given the addition of closing costs. Village Capital made six phone calls to steer me into refinancing, but I had to flatly refuse their final phone call as they were getting pushy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed via certified mail of several documents on XX/XX/XXXX to Ewuifax disputes. Included with documents were a copy of my driver 's license. This dispute is regarding the 2 fraudulent bankruptcies reporting on my credit report that I have never filed. XXXX  &  XXXX, filed with the XXXX Tennessee Bankruptcy Court filing dates are XXXX & XX/XX/XXXX. I have a current XX/XX/XXXX XXXX report that does not show or list these bankruptcies in my file, yet I'm being told on XX/XX/XXXX, my most recent credit report by Equifax stating, bankruptcies have been verified as accurate by XXXX. I've also received a recent letter from Equifax, stating, my documents were received, however there were no indentifying document regarding my identity, so they have disposed of the documents that I submitted. The date of this letter from Equifax was XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt
Product: Debt collection

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX contacted my mother, and disclosed that they were a debt collector, how much I owed on the outstanding loan, when it was taken out, and how much I needed to pay to settle or pay off the loan. In addition they stated that if I was not to pay the loan by XXXX  the next day they would take out warrants for my arrest due to breach of contract, and fraud. They then proceeded to forward an e-mail to my mother with a document attached for a settlement offer to sign stating that it was to me and that they had a conversation with me related to settling the loan.
Product: Checking or savings account

This is regarding my Chase business banking and total checking account. I registered for a new account bonus for these accounts and I tried opening the account online but I was told that due to identity verification I will have to visit the branch for opening the account. The nearest branch is XXXX miles from my house and we finally drove to the XXXX branch on XX/XX/2022 and successfully opened both the accounts. The new account bonus coupons were applied successfully and I was able to fund XXXX of the account with {$1500.00} the next day. However, to my surprise, my business account was suspended on the third day without any reason. Upon calling the bank they said that they do not know any reason but do not want to do business with me. This appears to be some kind of racism that I can feel here. Also, we lost close to {$1200.00} in the account bonus and travel cost as the bank disagree to honor the bonus and locked my both the accounts. The {$1500.00} that I deposited will be returned to be by check in a months time. I feel cheated by such reputable bank. They should not try to fraud people by running false promotions. They have been sending me the debit cards and letters after closing my accounts as if the accounts are still vaild which is a harassment to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote letters to have the alleged debt validated and it was not validated within 30 days Then, I demanded that the inaccurate reporting 's be removed from my account and they were not. In fact, the consumer reporting agency did not delete the accounts but instead reopened them and attempted to recollect. Accounts provided below : Accounts : Date Opened : Alleged Debt : US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX XXXX DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX XXXX DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX XXXX DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX XXXX DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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 IDENTITY THEFT. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the information in my credit report. I recently obtained a copy of my credit report and noticed that it includes a charge off account with the account number XXXX XXXX. 

However, I want to bring to your attention that the address listed on the report, XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX, is not my current or past address. I have never lived at this address and have no association with it whatsoever.

I believe this inaccurate information has been reported in error and is negatively impacting my credit score. I kindly request that you investigate this matter and remove the erroneous information from my credit report.

As per the Fair Credit Reporting Act ( FCRA ) section 611 ( a ) ( 1 ) ( A ), I am entitled to receive a free copy of my credit report if adverse action is taken based on the report. Therefore, I kindly request that you provide me with a free copy of my credit report with the erroneous information removed. 

Thank you for your attention to this matter. 

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

I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to my ability to get a better job as well as get funding .Please remove thesee items and all none account holding iquiries from my credit report, an FTC and a police report had been filed, they will be attach to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federal ally protected consumer rights to privacy under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights 15 U.S.C 1681. Section 602 A states I have the right to privacy 15 U.S.C 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 my account with out my written consent 15 U.S.C 1681c. ( A ) ( 5 ) Section states : no consumer reporting angency may make any consumer report containing any of the following items of information An other adverse item of information, other than records 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 angency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX Balance : {$560.00}
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, am a victim of identity theft, request removal and deletion of listed accounts on my Transunion credit report : XXXX XXXX XXXX ACCOUNT NUMBER XXXX Open date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX Open date : XX/XX/XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX Open date : XX/XX/XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX Open date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX Open date XX/XX/XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX Open date XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I froze my credit with Experian a few years ago. I need to unfreeze my credit so I tried using their website yesterday, XX/XX/2025. After I entered my information, the website " encountered an irrecoverable system error '' and would not let me proceed with logging into my account. 

I tried to log in to their website today ( XX/XX/2025 ) and received the same result. When I went to their website for help, it directed me to use their app. I downloaded their app, tried to make a new account, and received a " registration error ''. The error message gave me a phone number to call ( XXXX ) XXXX. I followed the phone directory 6 times, and their automated system only offered to send me back to their website. I repeatedly asked for a live agent, IT support, login assistance, and help unfreezing my credit. None of these were offered. 

I tried logging into my existing account from yesterday on the app and never received any of the 2-factor authentication codes I requested that would allow me to long into my account. My phone number is correct and I requested multiple codes via text and phone call and none of them are being received. I have cell phone service and wifi and have received other messages during this span of time. 

I went back to their website and was not able to find troubleshooting help. I found another phone number ( XXXX ) XXXX which I tried calling twice and this automated system would not unfreeze my credit for me nor connect me to an operator for help. All XXXX of these calls I made today took place between XXXX and XXXX Eastern Time. 

There are no other phone numbers on Experian 's website for consumers. There is no text chat nor email address/web form for assistance on their website. Their mail system takes multiple weeks to unfreeze credit and I need assistance more quickly than this. This company seems to be purposefully not allowing consumers to access staff to solve problems that are being caused by Experian 's own systems.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account name XXXX XXXX XXXX, Account number 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 : Also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 -- -- -INQUIRIES -- XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX :
Product: Credit reporting or other personal consumer reports

This a student loan debt that should be cleared based on the fair credit act. There are several marks made by this particular company on my credit report that are incorrect as far as the amounts owed. This company is unable to give me the original debt owed at this time. The amounts that are on my reports are incorrect and the date are not correct either and all inquires from this company should be removed for incorrect information reported that is damaging my score. This debt should be removed from all my credit profiles immediately. The company is XXXX