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

My account ( XXXX ) with Discover have been on hold since XX/XX/XXXX due to suspected fraud activity which I believe is due to check in the amount of {$690.00} deposited in XXXX of XXXX, issued to a cousin with same name whom uses the account opened using my social security number. As explained in prior complaints, account was opened using my information because the relative is unable to open accounts due to credit issues. The check was deposited using my account, issued under his name by XXXX XXXX. Currently, funds are not in the account, which I believe Discover is attempting to recover and thus, placed a hold on account. Discover appears to have received information regarding check as fraudulently cashed, the relative may have submitted information to XXXX XXXX indicating so .... I've reached out to relative, confirmed he is confused about check. Previously, I attempted to reach Discover rep to provide this information, unable to reach by phone. Further, Discover rep appears to refuse to answer further complaints in re, claims to have addressed complaint ( XXXX ) in which information above was not provided.. With information provided, I request any remaining funds in accounts sent via check.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I got a notification from Credit Karma saying I had a hard inquiry pulled from XXXX XXXX ( XXXX ) The date that it was actually pulled was XX/XX/2019. 

XX/XX/2019 Contacted Credit Karma, they tell me to get in touch with XXXX XXXX. The bank tells me to contact XXXX. I can not get a straight answer from anyone. 

I did not authorize this hard inquiry as I don't even have a XXXX in my town. Please help me with this matter.
Product: Credit reporting or other personal consumer reports

15 U.S. Code {$1600.00} XXXX 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, not later than four business days after the date of receipt. I have attached my FTC Report to this compliant to prevent further stall tactics form.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2021, I tried to send {$400.00} to my Sister-in-Law in XXXX for XXXX and not only was the transaction revoked, ( after the money was removed from my debit card account and we were told the money was available in XXXX ) but 30 minutes later my account was terminated and I was told by a CSR reading from a script that something mysterious in my profile rubbed them the wrong way. Of course, they refused to talk to me about it. I have an XXXX credit score, own my house outright for 23 years, multicurrency accounts with XXXX, XXXX and XXXX, but my poor SIL doesn't have a bank account. I was able to send her some money using XXXX and, although the experience there was a bit surreal, at least they didn't slam the door in my face and salt the earth behind me like MoneyGram.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, an auto loan account opened atXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX with a balance of {$750.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

THERE ARE NO VALID REASONS FOR THEM TO SEND ME A CREDIT CARD THEN TELL ME THEY NEED ADDTIONAL INFORMATION ON AN ACCOUNT THAT I HAVE MADE NO PURCHASES ON SINCE I HAVE RECEIVED IT THERE ARE NO FRAUD JUST THERE CONSISTENT EFFORTS TO MAKE MISTAKES REFERENCE CAPTIAL ON LETTER DATED XX/XX/2023 CALL THERE FRAUD DEPARTMENT AT XXXX ANYTIME SEVEN DAYS A WEEK
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX 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 or other personal consumer reports

Credit Agency : Experian I am being cheated and discriminated against by Experian. I know they know if you are an XXXX XXXX. I have kept my credit up and maintained an excellent credit history since XXXX only to never see an XXXX credit score. Just when I was there just wees ago, on today, I was informed my credit decreased by XXXX points on XX/XX/XXXX and then on XX/XX/XXXX I was told my credit score increased by XXXX points to bring it to a XXXX. My credit score was at a XXXX or better when they decreased it by XXXX points for no good reason and then when they increased it by XXXX points it only went to XXXX. They have been playing with my credit score for years now, and I have confronted them and reported it to you on at least one or other occasion. This the last straw. As soon as I was reaching XXXX points about two or three years ago, they changed the high score from XXXX to XXXX. Experian is doing some unfair reporting, and I truly want them dealt with. People try so hard to achieve excellent credit only to have corrupt professionals misbehave on extreme levels. 

I tried to reach out to Experian. It is not an option. You can not get passed the automated system, and there never seems to be an agent available. 

XX/XX/XXXX Date of incident XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX.
Product: Debt collection

THIS WAS A RESULT OF IDENTITY THEFT, THIS ACCOUNT IS NOT MINES.
Product: Credit reporting or other personal consumer reports

XXXX is violating my consumer rights! They reinserted something that's not my account on my credit file. I never received notice within 5 days! remove this inaccuracies or ill sue with XXXX  XXXX.
Product: Debt collection

I was never billed after insuance except 2 1/2 years later I recieved a message tbat always said this is a important message for my name and if this is n't you then please hang up. I thought it was just a scam. I mow found out I owe {$630.00} this has ruined my credit to buy a house. Please help me!
Product: Debt collection

On XX/XX/2023 my credit report was pulled and I noticed there was an unfamiliar account on my report card Equiant Financial Services. I called and spoke with XXXX. She informed me the the company I previously was with sold the company and that I needed to pay the charge off balance in full. According to my credit report the account is reporting open with just a past due amount of {$1500.00}. XXXX XXXX continued to tell me that {$1500.00} was not the amount she can accept in fact it was over {$9000.00} that I had to pay. She then placed me on a long hold and returned with another $ $ $ $ dollar amount for me to pay. I kindly declined to pay any amount as I was not sure if I owed the amounts given. Based on the credit report there are a lot of inconsistencies with the amount of payments past due and the joint account
Product: Credit card

I have an automatic payment scheduled for the minimum due to avoid late fees but I prefer to pay my statement balance every month manually in the Capital One mobile app to avoid revolving interest charges. I select to pay on the due date ( XXXX ) and choose the remaining statement balance ( {$2300.00} ) option. Next there is a prompt, that asks if I want to keep the scheduled minimum payment ( {$44.00} ). I choose 'no ' because I have already covered the statement balance and wanted to avoid duplicate payments. 
The numbers in ( ) are from my most recent statement and I have included screenshots from the app for reference. The issue that I have is that my statement balance is {$2300.00} and I am not given that option in the payment menu and the remaining statement balance option that is given apparently deducts future scheduled payments including the autopayment I have scheduled. This is not disclosed and my understanding was that remaining statement balance was statement balance less payments/credits representing the payment required to avoid revolving interest. What is even more concerning is the subsequent prompt asking whether I want to keep the min due autopayment knowing it has been deducted from the remaining statement balance. And again it is not disclosed that this will cause the acount to revolve. This appears to be an intentionally deceptive and predatory practice and has caused my account revolve for months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

There are invalid inquiry entries on my credit reports that do not belong to me. I have contacted XXXX, XXXX  and Experian on many occasions in effort to mitigate the misinformation. These inquiries are severely effecting that which would otherwise be considered good to excellent credit ratings. I am a business owner. it is my desire to obtain business credit but am hindered by this mishap. The inquiries must be removed immediately.
Product: Debt collection

They were to remove this from my credit and are reporting it to XXXX
Product: Checking or savings account

On XX/XX/23 a check was deposited written from XXXX XXXX in the amount of {$9000.00} check number XXXX. 
Chase location XXXX XXXX XXXX XXXX. XXXX XXXX MO. The funds were on hold until Friday XX/XX/23. At that time when I attempted to make a withdrawal, I was informed the account was flagged and no funds could be released. After contacting Chase customer service department speaking with multiple representatives, & Supervisors I was told that XXXX XXXX signature needed to be present. 
I gave Chase Supervisors at least 3 different numbers for XXXX XXXX and I was told that none of the three were verifiable so they could not release the funds. The other option I was given was to contact XXXX XXXX to have the check recalled and they said they couldnt recall the check. So the funds are still on hold, and the accounts is now closed again after I was told that that had enough information to release the funds.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted my address to be corrected ; the credit company won't change it.
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 XXXX, Account name : XXXX XXXX Account name : XXXX, Account name : XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a5 ) 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 or convictions or crimes which antedates more ( nan seven years 15 U.S.C. 1681S-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the I person knows or has reasonable cause to belleve that the intormation is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union LLC has been notified by certified mail regarding inaccurate information reporting to my credit report i have contacted merchant as well as trans union requesting validation of debt bearing my signatures and dates i do not recognizes these accounts and demand they be deleted immediately per FCRA and FDCPA you are violating my rights and the law XXXX XXXX XXXX -late updated AUTO PAY NEVER BEEN LATE XXXX ) XXXX XXXX XXXX UNKNOWN ACCT In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 NO UPDATES TO DISPUTES NOTES MADE TO MY REPORT DELETE AND UPDATE XXXX ACCT NOW
Product: Money transfer, virtual currency, or money service

I was referred to you by The XXXX XXXX XXXX  who are still helping ne with my case. I paid {$37.00} to a scammer on Cash App. I was to get money in return they were doing a giveaway to people on XXXX. They wanted more money before it went further. I also sent them {$54.00} in XXXX they can't get back for me. They don't care I was scammed and am poor and need my money. It occured on XX/XX/2022. Cash App refuses to help me. I don't want any other person going through what I am. The messages I have received from them shows that they don't care what happened. Not sure there is anything you can do to help me. 

Thank you, XXXX XXXX
Product: Credit card

I received a notice XXXX XXXX from Barclays of account been closed stating delinquency and revolving balances too high. There source of reference was a independent consumer reporting agency. Which credit reporting agency was not disclosed in the notice. This is also a violation of 15 U.S. Code 1681 ( a ) ( 4 ) a right to privacy and 15 U.S. Code 1681 ( a ) ( 2, disclosure of account information without my instructions.

This adverse action of withholding my rights to credit is discrimination, Securities fraud, violation of the Equal Opportunity Credit & Consumer Credit Protection Acts, RICO Act violation, engaging in dishonest and fraudulent business dealing involving my Securities account. Please rescind my original credit application on record and all associated Securities collateral.

I will file the following IRS and Treasury forms 1099-A, 1099-OID, FS 1048 and SF 95 for recoupment and file charges with the Securities Exchange Commission, for violation of 18 U.S. Code 1349. Section 10 ( b ) of the Securities Exchange Act of 1934, Material Misrepresentation or Omission.

In reviewing the Barclays Form 424 ( b ) ( 5 ) prospectus, Indenture Trustee : XXXX XXXX XXXX XXXX XXXX XXXX XXXX that deals with debt securities it is in Barclays to close my account and refuse my tender to maintain the debt ( Receivables ). 
Receivables means all amounts shown on the servicers records as amounts payable by an obligor on any account from time to time, including amounts payable for XXXX XXXX XXXX XXXX XXXX XXXX Receivables that become Defaulted Receivables will cease to be included as Receivables as of the day on which they become Defaulted Receivables. For purposes of the FDIC Rule and GAAP, Receivables are financial assets ( XXXX XXXX I am aware you are trading my securities as a XXXX XXXX XXXX XXXX XXXX XXXX, with the indenture trustee as the nominee with XXXX XXXX XXXX with Barclays acting as the beneficial owner.
Product: Debt collection

I have a collection for my daughter that I am actually trying to pay. I got in touch with someone once and was told that I needed to talk to someone else and was hung up on. Nobody answers either phone numbers that I am trying to call and this is affecting my credit score. I have been habitually trying for a month to get an account number or something. Even in their XXXX reviews people are complaining of the same problem. Ive called the number XXXX and XXXX Horrible company that can answer the phone
Product: Checking or savings account

**Subject : Formal Complaint Against Chase Bank for Unfair Account Closure** **Dear Sir/Madam, ** I am writing to file a formal complaint against Chase Bank concerning the recent unjust closure of my business account. My name is XXXX XXXX XXXX, and I am the owner of XXXX XXXX XXXX. Chase Bank informed me that my account is pending a 10-day closure due to alleged unusual activity, despite my compliance with all regulations and protocols.

Since 2020, I have been a victim of identity theft, and despite my efforts to secure my personal and business information, it is possible that someone still has access to my identifying details. I communicated this situation clearly to Chase Banks representatives, explaining the significant financial strain, stress, and crisis I am currently experiencing. 

As a business owner, this decision severely impacts my ability to manage my finances and maintain operations. XXXX XXXX XXXX relies on a stable banking relationship, and the abrupt closure of my account with such a prominent financial institution poses substantial challenges. It undermines my credibility and hampers my efforts to establish new banking relationships. 

Additionally, Chase Bank 's representatives have wrongly attributed all issues regarding transactions and disputes to my fault, without providing a proper investigation or justification. This is in clear violation of proper banking protocols and possibly the Uniform Commercial Code ( UCC ) provisions. 

I request that the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) investigate this matter. Chase Bank has failed to acknowledge my unique situation and has proceeded with closing my account despite my repeated explanations and requests for reconsideration. 

This action by Chase Bank not only causes immediate financial hardship but also jeopardizes my businesss future. I seek your intervention to ensure that Chase Bank reconsiders their decision and provides a fair resolution to this issue. Should Chase Bank refuse to reconsider, I am prepared to pursue legal action, including filing a small claims court case or a class-action lawsuit against Chase Bank XXXX and I am determined to seek compensation for any misconceptions, discrimination, and litigation, aiming for up to {$1.00} XXXX USD in damages. 

For further information or to discuss this matter, I am available at XXXX. Thank you for your attention to this urgent complaint. I look forward to your prompt response. 

**Sincerely, ** XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I moved after being impacted by Hurricane Irma to XXXX XXXX, FL. XXXX transferred services right away and I returned the equipment. My XXXX Account is in good standing, but due to moving out of county, I  was given a new account number. Old XXXX account closed satisfactorily. I received an alert from the credit reporting agencies that the Cbe Group has placed a collection account XXXX for {$80.00} from XXXX on XX/XX/2018. This is incorrect. I do not owe XXXX anything and due to FEMA relocating me, XXXX was very helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  ) has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy. This Right has been violated.

15 U.S.C 1681 section 605- Fair and accurate reporting within 30 days. This Right has been violated " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate '' - This right has been violated XXXX XXXX XXXX XXXX XXXX  has continuously violated my rights by inaccurately reporting an " over the limit '' status to the credit bureau 's. Despite having consistent payments on the account and the account now reflecting XXXX. This account has not been updated since XX/XX/2022. This information has been verified by Experian, XXXX and XXXX. 

I have called XXXX XXXX  of several occasions. each attempt took hours and many transfers to different departments that indicate it has been updated and there is nothing they can do. XXXX continues to blame the error on the credit bureau. The Bureau 's indicate they only report what is reported to them. I have disputed the account with all 3 bureaus. 

Due to comenity disregard for my consumer rights I have received adverse credit decisions. unbalanced utilization, inaccurate score reporting and adverse credit reporting that is a direct result of their negligence and violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One has checked my credit every month for one ( 1 ) year. I never authorized Capital One to check my credit nor have I applied for credit with them. My personal information was obtained illegally and with this, my social security number was compromised and XXXX and XXXX accounts were applied for with my information. 
Several times I attempted to contact Capital One XXXX and after I tell them what my issue is, I am placed on very long hold and then the representatives disconnect the call.
Product: Credit card

I disputed a purchase with Cashapp on XX/XX/2023 and on XX/XX/2023 XXXX the merchant refunded the money to the cashapp XXXX 27 days later Cashapp just gives the same speech that it takes up to 45 days even though the merchant already closed the dispute in XXXX XXXX favor. The confirmation number from XXXX is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive previously reported fraud and inaccuracies on my credit reports regarding an account XXXX and this has still not been removed. The creditor goes by XXXX and I need this to be resolved. Ive since contacted the XXXX to report fraud