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

On XX/XX/year> Chase Bank arbitrarily and with XXXX notice, closed 100 % of my checking and saving accounts. 

This includes the following account numbers : Joint checking account : XXXX XXXX XXXX ( {$200.00} of cash assets ) Personal checking account : XXXX XXXX XXXX ( over $ XXXX of cash assets ) Personal savings account : XXXX XXXX XXXX ( over $ XXXX of cash assets ) I only learned of the sudden account closures when I attempted to use my Chase bank debit card to refuel my automobile, and the card was DECLINED. 

I called Chase bank customer service to inquire, and a representative confirmed that Chase suddenly and without notice decided to close the XXXX above mentioned accounts. When I asked them WHY, the rep responded that " Chase has no obligation to tell you ''. When I asked WHEN. 

Further, the rep stated that all $ XXXX in cash assets were FROZEN, and they stated that Chase Bank would not RELEASE the funds to me before XX/XX/year>, where I would need to drive to a local branch to receive my funds. No explanation as to why this date was chosen. 

I called Chase Bank back several times afterwards and was told the same exact rehearsed response. 

These sudden account closures has been a financial hardship. With no access to my accounts, I was unable to transfer cash into the joint account that I share with my husband. My husband likewise could not access the same joint account, and likewise could not fund that account. The joint account is used to pay 100 % of household bills, including mortgage, insurance, utility bills, etc. All of these payees have likewise charged me numerous XXXX fees totaling hundreds of dollars, and utility companies have scheduled the termination of gas, electricity, and water. Additionally, scheduled deposits into this account have " bounced ''. 

The freezing of over $ XXXX in my personal checking account, and abrupt closure of this account, has been a financial hardship. Numerous merchants have hit me with NSF fees totaling hundreds of dollars.. 

The freezing of over $ XXXX in my personal savings account, and abrupt closure of this account, has also been a financial hardship. 

My ASK of the CFPB : XXXX. I request immediate assistance from the CFPB with the un-freezing of my personal checking and savings account. My desire is not to wait until XX/XX/year> - the date that Chase Bank provided to me. Additionally, I have low confidence that Chase Bank will actually release my funds on XX/XX/year> at all. 

XXXX. I request assistance from the CFPB with my getting reimbursed by Chase Bank for the hundreds of dollars in late fees and NSF fees charged by merchants, as well as any utility reconnect fees as appropriate. 

XXXX. I request assistance from the CFPB with charging Chase Bank with any penalties as deemed appropriate for these egregious actions.
Product: Debt collection

An outstanding balance owed to XXXX was transferred to Caine & Weiner. I received communication in form of a letter on XXXX XXXX, 2016 of this debt. I immediately contacted the firm and let them know that I had ever intention of paying the debt but that at the time I was also unemployed ; however I would make payments until the balance was paid in full. I spoke to a person named XXXX, XXXX and let them know that I did not want this going on my credit so I wanted to set up a payment plan to avoid further action. I paid {$25.00} each month to avoid it going on my credit. I received a call about a week ago and the person from Caine Warner said they were calling to see if I wanted to pay the debt in full since my balance was down to {$190.00}. I told the lady that I was unemployed but that I would be making a payment in XXXX since I was paying {$25.00} each month. She was friendly and said " ok '', she was just following up. I check my credit report almost weekly and was surprised to find that the firm has reported this unpaid debt to a credit bureau after they told me that as long as I made payments, it would not go to a credit collection. I immediately called again today to XXXX and spoke to a man. He now informs me that even though I called and told them the debt was mine and even though I am paying each month, the debt has to be reported to the credit bureaus after 60 days, regardless of whether or not I am paying it. This does not make sense? None of the other reps ever told me this? We agreed that if I paid it would keep the outstanding bill from going into collections. Now someone else is telling me something else? I want this account to be taken off my credit immediately. I made arrangements with this firm to fully pay down my outstanding debt, they led me to believe that as long as I paid they would not turn it over to a credit bureau and now it is on my credit. I feel they misled me and did not provide me accurate information. The man I spoke with today is now telling me that the other people I 've spoken with were " pretty new '' and probably did n't relay the information correctly to me. Well guess what? That is no excuse! If their employees are not properly trained then they should not be working there giving out wrong information.
Product: Credit card

I was in a car accident when renting a car using my Visa card. On the terms and faq it says that I have collision damage waiver when declining it at the rental car counter. Which I did. Then when I called they told me they do not provide this benefit. They declined to send the terms and conditions when asked.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Gave away personal information pertaining to medical expenses is in violation of Hippa.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I am not affiliated with the listed creditors, and I ask for the prompt removal of these inquiries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Equifax, I have filed several complaints on the CFPB to Equifax - Equifax says they have been resolved in their response- and as of this complaint they have not. 

Please see below : 1 ) Complaint XXXX - I stated the inquiry of XXXX XXXX XXXX XX/XX/XXXX was due to identity theft - Equifax responded saying it was removed on XX/XX/XXXX saying it was removed - it is still there as of XX/XX/XXXX. 

2 ) Complaint XXXX - I stated the inquiries of XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX  XX/XX/XXXX were due to identity theft - Equifax responded saying it was removed on XX/XX/XXXX saying it was removed - they are still there as of XX/XX/XXXX. 

3 ) Complaint XXXX - I stated the inquiries of XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX and XXXX  XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX  XX/XX/XXXX were due to identity theft - Equifax responded saying it was removed on XX/XX/XXXX saying it was removed - they are still there as of XX/XX/XXXX. 

XXXX ) Complaint XXXX - I stated the inquiries of XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX and XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX were due to identity theft - Equifax responded saying it was removed on XX/XX/XXXX saying it was removed - they are still there as of XX/XX/XXXX. 

XXXX ) Complaint XXXX - I stated the previous 4 above complaints filed- have not resulted in these unautholrized hard inquiries being removed due to identity theft. And, they are still there as of XX/XX/XXXX Equifax, you need to do exactly as the complaints have stated- to remove the unathorized hard inquiries due to identity theft immediately. 

You had said they are all removed- they are not. Remove them at once. 

Attached to this are : My drivers license My social security card
Product: Credit card or prepaid card

I received my monthly bill late on X/XX/2017 with a due date of X/XX/2017. My new bill shows an increasing in my interest rate from 27.99 % to 28.24 %. There is no notification why the rate interested. I paid the minimum payment on time for the previous XXXX bill. I tried to contact American Express multiple times at XXXX but the automated system will not give me any information about my account when I enter my account number or forward me to someone in customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX  is reporting Negative Account - Collections on behalf of original creditor Bank of The West. Balance of {$460.00} is being reported as below : Individual ; Open ; Unpaid ; Collections- {$460.00} In fact this was a Joint account ( checking ) not an Individual account. On XX/XX/2018 Joint account ( checking ) was Closed per Bank of The West. Financial institution Bank of The West is also reported Joint account ( checking ) within other financial institutions as Account Abuse. There was discrepancies with the Routing and Account numbers being incorrect and different than what was printed on the ( 4 ) books of checks issued by the financial institution Bank of The West. I was only able to use my Joint account ( checking ) on 2 occasions as neither account holders were able to pay for goods using the above mentioned bank issued checks anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially contacted Equifax on XX/XX/XXXX by mail, disputing inaccurate information on my credit report. I waited the duration of 30 days still didn't hear anything. I sent another letter on XX/XX/XXXX following up with the initial claims still no answers
Product: Debt collection

Hello, I bringing to your attention that there was debt that was disputed from my report and now its back. By law section 611 [ 15 U.S.C 1681i ] ( 5 ) ( B ) ( i ) States that once items are deleted they should not be reinserted on the credit report. I did not received notification with in the 5 day mark stating that debt will be but on my credit report. By law this is fraudulent. I ask that you please remove negative items from the Experian account.
Product: Debt collection

This is a fraudulent charge. I would like the company/owner to prove that I was given the proper move in/move out due process. Signatures and dates on apartment paperwork will not match the proper parties involved. Forgery proven will make this debt a fraudulent charge.
Product: Money transfer, virtual currency, or money service

I have been scammed by this person and filed a complaint to the bank that needs to handle this matter and have sent legal paper as well, but there is no any response from the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, ACCOUNT NO. XXXX IS APPEARING ON MY CREDIT REPORT.THE LOAN CONTRACT IS FRAUDULENT BECAUSE THE SECURITY AND THE PRODUCT FINANCED HAS NO VALUE AND THE LENDER KNOWS THIS. 
THEY REFUSE TO RECLAIM THE XXXX VEHICLE BECAUSE IT WAS MANUFACTURED, FINANCED AND SOLD AS AN UNSAFE DEFECTIVE PRODUCT. 
XXXX VIOLATES IMPLIED WARRANTY LAWS OF CALIFORNIA AND MANY OTHERS. 
THEY ARE WELCOME TO SUE ME FOR THEIR FRAUDULENT DEBT. 
I CAN NOT PERMIT EXPERIAN TO BE USED AS AN ARM OF EXTORTION BY REPORTING CREDIT BASED ON A FRAUD PERPETRATED BY XXXX. 
EXPERIAN SHOULD DELETE THIS ACCOUNT OR CONSULT THEIR ATTORNEYS TO SEE IF THEY NOW KNOWINGLY WANT TO PARTICIPATE IN A FRAUDULENT TRANSACTION.CONTINUE REPORTING AND EXPERIAN COULD BE HELD LIABLE FOR FRAUD.THE OTHER PARTIES HAVE BEEN TO COURT.
Product: Student loan

Aidvantage presented false and misleading information that I could reduce my monthly payment by applying for XXXX of their income-driven repayment plans in XXXX of XXXX. 

Well, I applied and my payment SKYROCKETED from ~ {$100.00} to almost {$500.00} just XXXX hours before my first payment is supposed to be due and I have been unable to get in contact or get any response from them. 

Hopefully they do this to enough people and get sued and the loans they were given by XXXX during the pandemic are taken from them. XXXX was SO much better.
Product: Debt collection

Hello, XXXX XXXX an attorney called me from CRS and Associates asking me to resolve a matter out of court. He then explained to me that there was a paycheck advance that took place in 2016 for {$500.00} or something like that. I explained to him that I was a patient at a treatment center called XXXX XXXX XXXX XXXX, which in 2016 it was raided by the FBI and the state of California, for XXXX XXXX dollars of insurance fraud, and the owner was charged with countless other charges including XXXX and giving clients XXXX. I myself was a patient of this treatment center and there were many other versions of fraud that took place at XXXX. I tried to explain this him and he told me that I can talk to the judge. 

Those 3 years a lot of things happened, and I was under a massive amount of stress, and I am not sure if I was even sober when making the phone call since the owner of the facility was giving us drugs at the time. 

This is very stressful, and I would like to see if I can handle this as I am in college getting my life together and I feel violated.
Product: Credit reporting or other personal consumer reports

I found several inaccuracies in my credit report listing late payments that do not reflect my payment history. Please make the necessary corrections.
Product: Checking or savings account

On XX/XX/2022 XXXX took XXXX out of my account when I had no services with them. I notified PayPal and was issued a temporary credit. Unfortunately for me, this action was reversed due to PayPal requiring me to provide proof of the fraudulent charge which is contrary to what Regulation e states, the burden of proof is on the debitor rather than the account holder. 

When informed about this PayPal doubled down and refused to reverse their decision and I have to start the whole process over again. 

Please inform PayPal that they need to give me my money back until XXXX has satisfied the burden of proof for the charge.
Product: Debt collection

I took out a payday loan with XXXX XXXX XXXX on XX/XX/XXXX for {$2600.00} which I was unable to repay and XXXX XXXX XXXX enlisted the services of XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX ( XXXX/XXXX ) to collect on their behalf. I settled with XXXX for {$1600.00} and made 16 payments of {$100.00} ( totaling {$1600.00} ). Per XXXX XXXX XXXX, XXXX only sent them {$260.00} as payment on my loan and thus XXXX XXXX XXXX sold the loan to Real Time Resolutions, who began collection efforts. I sent Real Time Resolutions ( RTR ) a fax containing my bank statements documenting my 16 payments to XXXX, but they have stated that they can not prove that the payments to XXXX are linked to the XXXX XXXX XXXX account. When I called XXXX to ask for proof of my payments, a switchboard operator informed me that XXXX is no longer in business and thus can not provide me with documentation. RTR has put the account on my credit report as a collection for {$3000.00}, which is false, as I made the settlement payments as agreed to XXXX. RTR has refused to remove the account from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

About three weeks ago i spoke with a rep at experian about my identity theft case and he reviewed my information and told me that the items would be deleted from my credit file within a few days. I then receive a letter from experian showing the items were deleted on XX/XX/XXXX but got a new letter dated XX/XX/XXXX that the accounts were reinserted. I called experian on XX/XX/XXXX and spoke to a supervisor who stated that they contacted the XXXX police department and they could not validate that the police report was valid which is a lie because i called the XXXX police department right after i got of the phone with experian and asked if someone were to call and verify if the report is valid will they give them that information and was told yes they will. But no one had called them because the lady at the XXXX police department said the report was valid once i gave her the report number. DEPT OF VETERANS AFFAIRS acct # XXXX, XXXX XXXX XXXX acct # XXXX and XXXX XXXX XXXX acct # XXXX
Product: Credit card

On my discover credit card, late payments were reported and they are inaccurate for XXXX and XX/XX/2024. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I've been writing Transunion, XXXX and XXXX since XXXX, XXXX, XXXX, and XXXX and none of them responded to my letters. I'm doing this process right now to see further results of my disputes concerning those inaccurate accounts that they've put into my credit report.
Product: Credit reporting or other personal consumer reports

Equifax is continuing to report late payment for XXXX account I disputed this and they said it was accurate even when the creditor has said that it was not valid this needs to be updated immediately. 

XXXX has an account under XXXX  that does not belong to me and needs to be removed I have included police report and ftc report there are also inquiries that I did not do with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just applied for a refi for my house and I got rejected because they said I have a 30 late payment on my mortgage. I was on a Forbearance Plan with XXXX from XX/XX/2019 to XX/XX/2019 because the President shutdown the government without pay. XXXX XXXX XXXX XXXX took over the loan on or around XXXX and started a Loss Mitigation Home Modification process. I was making monthly payments and catch up payments while they considered the modification. I just talk to a rep at XXXX and she pulled my account and said there were no missed payments and it should be corrected on there end after XX/XX/XXXX. She put notes on my account and admitted my paperwork from XXXX didn't get transfer over correctly to XXXX. I was not late on XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX and XXXX XXXX XXXX XXXXXXXX 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 this item 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

Hello so on XXXX/XXXX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXX data breach and may have gotten into the wrong hands.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the incorrect information currently being reported on my credit report. Specifically, the balances for two of my accounts are inaccurately reported. 

XXXX XXXX  : My current balance is {$75.00}. However, your report shows a higher balance. 
XXXX XXXX : My current balance is {$0.00}. However, your report shows a higher balance. 
I have contacted both XXXX XXXX  and XXXX XXXX to update my credit report with the accurate balances, but the reports have not been corrected. As a result, I am submitting this dispute through the Consumer Financial Protection Bureau ( CFPB ) to ensure that my credit report reflects the accurate and up-to-date information. 

Attached, you will find a letter from XXXX XXXX  confirming my current balance of {$75.00}, and a letter from XXXX XXXX confirming my current balance of {$0.00}.