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

My husband called chase to issue a new credit card on XX/XX/XXXX since he had a fraudulent charge from XXXX. Chase said they would mail out a new card and it would be to us in 3-5 business days. On Saturday XXXX, my husband was at work, phone stopped working, he got home at XXXX on Saturday and noticed chase app alerts- he called chase bank and there was a withdrawal of {$8000.00} from his checking account ( at XXXX at the XXXX Branch XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ) and {$40000.00} from our shared checking account ( at a chase branch at XXXX XXXX XXXX XXXX XXXX ). On Sunday XXXX, we called chase to cancel all our cards, including the one that we were still waiting on, and they said there was already charges made on the credit card as detailed below. 

XXXX XXXX ( EST ) XXXX XXXX {$14000.00} XXXX XXXX ( EST ) saks XXXX XXXX {$3100.00}. XXXX was tried XXXX times between XXXX and XXXX ( EST ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX {$1200.00} We filed a claim with chase once the withdrawal transactions were posted which was Tuesday XXXX as they said they could not do anything while the transactions were still pending. After speaking with multiple chase representatives both on the phone and in person since XXXX, it wasnt until I called on XXXX to ensure they received my affidavit form to complete our claims process to start their investigation that they then informed me I needed to file a police report to complete the process and start the investigation. We faxed over the police report on XX/XX/XXXX, called daily but they said they never received, resent it again on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Finally they said they did receive it and were able to start the 3-5day investigation process. I submitted a claim to the BBB regarding Chase bank, and thus my case was escalated to the chase executive branch, supposedly highest level of escalation. Our case liason has been very hard to reach, does not return calls. When we are finally able to get in touch, they continuously ask the same questions over and over despite us previously providing the answers multiple times. It has been over 30days now, our money has yet to be returned to us and we can not get any information as to when we can expect our money back in the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX keeps reporting falsified information to the the major credit bureau and/or bureaus. I continue to asked XXXX XXXX ( by certified mail ) to provide me with a copy of any documents bearing my signature. I also requested that XXXX XXXX to validate this falsified information.i have disputed with the major credit bureaus and comes back verified. How can something be verified if i didn't know it exist. I am contacting you to see if you can validate this account and if so provide me with any documents bearing my signature that they say had and hard for them to provide me with. It say on my credit report that XXXX XXXX provided them with an update XX/XX/2019 stating that i owe {$650.00} and that {$670.00} was charged off. Thank you in advance for your time! 

P.S Please look into this matter and not over this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to you guys before about some things on my credit that are not mine. Im trying to help my mom get a loan for her expensive meds until she start working and this is keeping me from moving forward with my life. I am doing this on my own behalf. I have also contacted the FTC and my local police. XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX US DEP ED, XXXX and some account that only have an account number XXXX.
Product: Student loan

I am eligible for XXXX Loan Forgiveness as per the guidelines. I submitted the application to my loan servicer, Aidvantage, on XX/XX/2022. My application was denied on XX/XX/2022 because they claimed I am ineligible. After speaking with their customer service, I learned it is actually because I did not fill out the form as per their specifications. I applied again on XX/XX/2022, this time including a letter from my employer with the details of my eligibility. I was denied a second time on XX/XX/2022 because they claimed the XXXXXXXX XXXX XXXX  ) I worked for were not listed in the XXXX  Cancellation Low Income Directory. This is blatantly untrue. I submitted a third application today, XX/XX/2022, this time including screenshots from the directory. I also wanted to lodge a complaint with the CFPB because Aidvantage 's denial of my application is now in violation of the laws governing the TLF program.
Product: Debt collection

A caller from debt management solutions called and left a voicemal for me at my place of work. I called back and they said they were looking for a person -- NOT me and not even my name. They told me the birthdate of the person they were looking for and it was NOT my birthdate. The phone number they called from was XXXX. A woman named XXXX was extremely rude and aggressive and told me that I was lying. I am DEFINITELY NOT the person they are looking for. I have no debt at all. I need for them to stop calling me. Although it was only once, they harassed me at my place of work with this embarrassing phone call that WAS N'T EVEN FOR ME.
Product: Credit card or prepaid card

IN REGARDS TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX. I HAVE EXPLAINED COUNTLESS TIMES TO EQUIFAX THAT I HAVE NEVER DONE BUSINESS NOR HAVE I HAD A CARD WITH THEM THAT IVE I APPLIED FOR AND I AM A VICTIM OF IDENTITY THEFT AND FORGERY HAS BEEN COMMITTED. THEY CONTINUE TO KEEP REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT WITH OUT INVESTIGATIONING THE PROPER VALIDATION OR VERIFICATION OF THE ACCOUNT IN QUESTION. IF THIS KIND OF UNLAW BUSINESS PRATICESS THAT BREAKS THAT BREAKS THE FTC LAWS CONTINUES I WILL BE FORCED TO FILE SUIT FOR EACH INFRACTION BROKEN IF THE ACCOUNTS ARENT REMOVED AND THEY DO NOT CEASE AND DESIST AND REMOVE THE NEGATIVE ACCOUNT FROM REPORT. I WILL BE CONSULTING WITH A CONSUMER LAW ATTORNERY ON THIS MATTER.
Product: Checking or savings account

I had fraud charges from XXXX i called filed fraud issued new card, in 24 hours of my dispute my dispute got denied charges are valid, no proof or evidence sent as i requested how did you investigate in 24 hrs charges are valid, fraud department advised me merchsnt will be blocked from further charges on new card, yet again i have same charges same merchant on new card i am filing a lawsuit against Chime Bank this is unprofessional and unacceptable
Product: Debt collection

My complaint with LVNV, a creditor, is that I never recieved and bills, statements or invoices from the original creditor which is XXXX XXXX XXXX. Apparently LVNV has bought the debt in question. 

I recieved a leeter in the mail from XXXX, XXXX, XXXX XXXX  XXXX, XXXX  which represents LVNV. They are demanding payment of {$1500.00}.
Product: Credit card or prepaid card

I just wanted to inform you about a complaint Im doing so in my XXXX account there was XXXX charges XXXX from {$100.00} and XXXX for {$60.00} from a person named XXXX XXXX another transaction from XXXX XXXX for {$40.00} and XXXX XXXX for {$30.00} I would like those in a form of a check to me because Im sick of the deposit XXXX its ridiculous and once thats been refunded I want my account banned for good and no longer use XXXX Im having problems wi the XXXX just wanted to see if I can get that money back also was wondering if XXXX would be able to compensate me for all this in a form of a check up to {$5000.00} and was wondering if I could get compensated for all this this has emotionallly drained me very much and I feel like I should be compensated for all this trouble that these people have caused me drained me big time so was wondering if up to {$5000.00} or in between there that you would be able to compensate me see what your company would be able to do and send me a check to compensate me for all this trouble plus all the transactions so transactions refunded in a check and a compensation check see what u can come up with and be fair with me u know thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FR CA, Section 616, and pursue legal action. -- OPEN AC COUNT --  1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$400.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

Identity Theft XXXXXXXX XXXX Account Number : XXXX Delete this account. 

Mistaken Identity XXXX XXXX  Account Number : XXXX Delete this account. 

The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 1. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized EXPERIAN BUSINESS CRED Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit card

This letter a formal complaint about Ally credit is reporting inaccurate information on my credit report The inaccurate information was not fault mines but the Fault of XXXX XXXX XXXX XXXX XXXX. The bank was doing system updates, closing all old accounts. This system updates causes a system errors put ACH stop on the account that applied to my account and routing number due to closing of old accounts. The ACH stop remained on my account in error cause my credit payments to be late on behalf of Banking system error. I I had to wrote Ally Credit Company explaining what happen took place and also provide a letter from XXXX XXXX XXXX. Explaining to Ally this was a bank error. It was out of my control. I received a called from Ally Customer Service. I had to provide Ally with copy of credit report showing inaccurate information being report to all three credit bureaus. I also provide Ally with a letter from the Bank. I was in the process going to closing on my house when credit score drop by XXXX points. This bank error cause me not close on my house. I had worked so hard to establish good credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put a freeze on my account after EQUIFAX had a MASSIVE SECURITY BREACH and I was afraid my data would be hacked. I kept the unfreeze PIN safe, as instructed. 

Today, I am looking to apply to a new apartment with my partner. The real estate market is extremely hot in my city, so things move fast. The landlord said my credit was locked and we need to rectify immediately. 

I called equifax and they were INCREDIBLY UNHELPFUL. I was asked a series of questions - one was basically incomprehensible. I asked for clarification 3 times. The rep on the phone simply repeated the question. Then, because the question was so difficult to understand, I failed the verification. From that point, I was instructed that I 1. Was locked out of the process indefinitely. No escalation would help me.

2. I would need to take 5-7 business days to mail physical copies of my ID 3. Could not speak to a supervisor ( even though I asked MULTIPLE times ) I then tried to use their website. The " reset password '' flow is broken so I couldn't do that either. 

I was told this was so that Equifax could keep my data safe. The whole reason I am in this situation is because they did NOT keep my data safe. 

This is a horrible experience and will cost me this apartment. The fact that this random company that I did not consent to becoming a customer of has this influence over my life is APPALLING. ( not to mention the shady ways they are trying to get out of paying the settlement to many Americans. )
Product: Checking or savings account

Ally Bank contains following + several messages NEVER responded to by Ally Bank since XXXX 2024 ; WHY? 

Ally Bank contacts have been Over hours of conversations over the days since XXXX 2024 by phone and Ally Bank messaging center on my accounts ; with ONLY promises to resolve issues and callback from Exec Management team that NEVER happens? 
WOW ... Ally Bank customer service is beyond AWFUL ... WHY? 
NEVER received any follow- up from escalation to Executive Customer Relations , this issue has been since XX/XX/year> ... awaiting tech resolution? 
current access exists to accounts but access has dropped to minimal on several occasions over last several years ; but limited ONLY to XXXX accounts... access was available to wife 's accounts .. WHY? 
- have requested resolution & WHY ONLY XXXX 's accounts effected? 
- Requested & NEED TO TALK TO ALLY MANAGEMENT FOR RESOLUTION ; BUT NO response for month 's since XX/XX/year>? 
** last message from Ally Bank stated following on several occasions since XX/XX/year> and over many month 's since... 
Ally Bank shows ; " I show that your request to tech issues regarding reference number XXXX has been escalated to Executive Customer Relations. We understand the urgency of your request, and one of our specialists will be in touch with you once they have reviewed your request. You can expect contact from us in 7-10 business days. '' XXXX regarding reference number XXXX. Your experience was forwarded to our Tech Team for investigation. The Problem Ticket number is XXXX. Regrettably, we do not have a time-frame to provide for resolution. We will contact you once there is an update. I do apologize for any frustration this has caused.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX  XXXX XXXX Balance : {$750.00}.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I contacted Square Capital LLC, requesting the bookkeeping entries associated with a loan allegedly " created '' by XXXX XXXXXXXX XXXX XXXXXXXX FDIC, as well as the entry showing I made a payment on this loan. I followed up on XX/XX/year> and again on XX/XX/year> due to their failure to provide these records. 

Despite multiple requests, I have yet to receive clear documentation or an adequate explanation of how the loan was recorded and how payments were processed. This raises serious concerns about compliance with generally accepted accounting principles ( GAAP ) and the Truth in Lending Act ( 15 U.S. Code 1601 ). Specifically, the discrepancies include : Voided and Pending Transactions : The loan transactions show voided and pending statuses, which should not be included in final financial records according to GAAP. Under the principles of accurate and fair reporting, only finalized ( captured ) transactions should be recorded.

Double-Entry Accounting : There is a lack of clarity regarding how the loan was booked within the double-entry accounting framework. GAAP mandates that each transaction impact at least two accounts, but I have not been shown how both sides of these transactions are recorded, if at all.

Multiple Adjustments Without Documentation : Several transactions reflect adjustments ( e.g., voided, pending, captured ) within a short time frame. Without proper documentation or explanation, this creates confusion about how the company records loan origination, disbursement, and repayments, which may indicate poor or misleading record-keeping practices.

Violation of U.S. Code : Square Capital LLCs failure to provide accurate loan documentation and explain the accounting entries in a clear, compliant manner may violate the Truth in Lending Act ( TILA ) - 15 U.S.C. 1635, which mandates transparency in credit transactions, and the Fair Credit Billing Act ( 15 U.S. Code 1666 ), which allows consumers to dispute billing errors in credit transactions. Their actions also fall under the scope of unfair and deceptive practices as defined by the Dodd-Frank Act. 

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

I am writing to formally dispute inaccurate information that appears on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information. Below, I have outlined the specific discrepancies I have identified and request immediate correction. 
Account in Question : Creditor Name : XXXX XXXX  Account Number : XXXX Specific Inaccuracy : I noticed that the balance amounts reported by TransUnion and Experian are inconsistent. TransUnion reports a balance of {$12000.00}, while Experian reports a balance of {$10000.00}. This discrepancy raises concerns regarding the accuracy of the data being reported.

Additionally, the " Date of Last Payment '' is inconsistent between the XXXX reports : XXXX reports XX/XX/XXXX. 
Experian reports XX/XX/XXXX. 

These inconsistencies are factual errors and must be corrected to reflect accurate financial information. 

I kindly request that you investigate these discrepancies and correct the inaccurate information. Please provide written confirmation once these errors have been rectified. 

As per the FCRA, I expect a response within 30 days of receipt of this letter. If the disputed information can not be verified, it must be removed from my credit report. 

Thank you for your time and prompt attention to this matter. Please confirm receipt of this letter and inform me of the actions taken to correct these inaccuracies. 

Sincerely, XXXX XXXX
Product: Mortgage

On XX/XX/year>, I closed on my new condo and the mortgage shortly thereafter was sold to Freedom Mortgage Corporation. Since the purchase of my home, and diligent payments into *required* escrow for property taxes, not a single payment has been made on my severely overdue property tax bill. Now interest is owed, along with the risk of a tax lien. I first contacted my lender about this issue on XX/XX/XXXX, to see if they were going to pay my property tax bill due XX/XX/XXXX. They assured me they would, but that they would need to " investigate '' to ensure they're paying the right amount since it's a new condo building and the individual units don't have bills yet ( XXXX units in the building, all at XXXX ownership share, therefore we all owe XXXX of the due bill ). They have access to the deed to the property, as well as all of the bills from the city, yet they're refusing to be cooperative and make payments, or even communicate as to why they're *not* making payments. I didn't hear back until XX/XX/XXXX ( while on vacation ), well after the XX/XX/XXXX due date, that they would not make the payment until I sent them the bill ( of which, I've already done, and it's publicly accessible ). I replied when I returned from vacation, yet again, on XX/XX/XXXX with a copy of the bill and a request for answers. I've now been advised that I won't hear back until **XXXX XXXX. I feel as I've I'm being taken advantage of ; I'm forced into using escrow for property taxes, forced by the government to pay these taxes *on time*, but legally, I'm the only person accountable for them not being paid on time. I've no other options, and this institution isn't respecting my time nor hard earned money. A tax lien puts me at risk of foreclosure and XXXX 

Screenshots of black box ticket system correspondence attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax on XX/XX/2023, I advised them that there were student loans reporting on my report that had been closed over 10 years. I advised them to remove the student loans that had been closed over 10 years. On XX/XX/2023 they updated the information on the closed accounts to report for another 10 years. Which means these closed accounts would report for a total of 20 years. The loans were with : ( 1 ) US Department of Education/ XXXX XXXX XXXX XXXX XXXX XXXX ( 3 ) Department Of Education/ XXXX XXXX XXXX XXXX There are a total of 10 closed accounts being reported inaccurately. These accounts need to be removed, they are causing a hardship on me and making it very difficult for me to get funding for a home.
Product: Debt collection

I received a phone message from this company, which did not identify itself. I called back and asked the name of the company and the person continued to speak over me. I stated I had been the victim of identity fraud and did not owe the debt. The man did not register that I had spoken. Said he was referring it to the credit bureau and hung up on me. 

I have never received documents or other correspondence from anyone regarding this debt. 

They continue to leave messages, but when I return the call, they tell me there is no process for remedy and hang up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting inaccurate late payment readings to my credit report. 
I sent a letter to XXXX XXXX XXXX USA asking for proof that this account was late during the months that Equifax is reporting and they sent a response letter stating that I was NEVER late during the months EQUIFAX is reporting to my credit report. I have attached proof of the verified information from XXXX  XXXX XXXX  USA.