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

On XX/XX/2024, Chase Bank restricted access to my accounts without providing a valid reason. Upon contacting customer service, I was instructed to visit a Chase branch with two forms of ID to resolve the issue. On Monday, XX/XX/2024, I visited the branch with my identification and my debit card. The banker assisted by calling customer service, and I clarified that I had no fraudulent activity or other issues with my account. Despite this, I was informed by the customer service representative that the debit card department refused to lift the restriction on my account. 

Instead of resolving the issue, I was forced to open a new account to transfer my funds, creating significant distress and inconvenience. Changing account numbers and debit cards has impacted my financial management and caused delays in access to my funds. 

However, on XX/XX/2024, I received another email from Chase informing me that my newly opened account had also been restricted, and I was asked to contact customer service once again. When I called, I was told that Chase had decided to close my account entirely, yet they refused to provide any valid reason for this decision. 

I have been a loyal customer of Chase, have maintained my accounts in good standing, and have never had an overdraft or violated any terms of my account relationship with Chase. Despite this, my accounts were restricted without cause, and now my account is closed, and I no longer have access to my funds. Chase continues to hold my money while my account remains restricted, causing severe financial strain and emotional distress. 

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

I sent a certified letter to TransUnion on XX/XX/XXXX informing them that the negative information beig reported is ( 1 ) a violation of 15 USC 1681 e ( b ) and 15 USC 1681 i ( 5 ) ( A ) also 15 USC 1681s 2 ( a ) and ( b )... ( 2 ) the information being reported doesnt meet the Metro 2 compliance and should not be reporting ( 3 ) I was affected be the XXXX Security Breach in XXXX which I belived resulted in these derogatory items.They are in clear violation of 15 USC 1681n for the willful noncompliance. Its been over 60 days and they have done nothing to correct these issues I have filed multiple complaints with the CFPB about TransUnion and the noncompliance I am asking that the CFPB look into this and use its oversite to protect my consumer rights.
Product: Mortgage

Notice to Principal is Notice to Agent, Notice to Agent is Notice to Principal and I am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder of due course for any and all derivatives thereof for the surname/given name ; XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX and autograph as the agent attorney in fact, so be it ; As the natural man the company did not meet the following conditions of a lawful binding contract : 1. " EQUAL CONSIDERATION '' NO VALUE WAS BROUGHT TO THE TABLE TO JUSTIFY THE BANK HAVING SOMETHING TO LOSE.

2. " LAWFUL TERM AND CONDITIONS '', MY TERMS WERE BASED ON FRAUD.

3. WET INK SIGNATURE OF BOTH PARTIES. CORPORATIONS CAN'T SIGN BECAUSE THEY HAVE NO " RIGHT '' OR " MIND '' TO CONTRACT SINCE THEY ARE SOUL'LESS LEGAL FICTIONS ; AND FURTHERMORE, NO THRID PARTY CAN SIGN A CONTRACT ON THEIR BEHALF.

4. FULL DISCLOSURE ( I WAS NOT TOLD I WAS CREATING THE CREDIT WITH MY WET INK SIGNATURE ) ALL OF MY RIGHTS ARE RESERVED WITHOUT PREJUDICE.
Product: Credit reporting or other personal consumer reports

There was a processing delay. I made the payment on time however the delay in processing caused my account to fall delinquent. I spoke with the creditor and they facilitated a reversal of the delinquent status and late payment, putting my account current again. 

See attached email receipt of the reversal
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an old AMEX account that had very low odd balance of XXXX dollars. This was somehow not paid before closed account and i had moved and did not realize as such. I tried to pay this amount to AMEX and as account was closed they would not accept payment and account was told to be charged off. But has been negatively effecting score for years and been trying since XXXX  to remove this form reports with no results. 

I recently reported a dispute with all three agencies being XXXX, XXXX and XXXX This XXXX dollars still shows on my report as a balance and is negatively effecting my credit. Please please help.. I can not get this off report. I have tried my best to have this removed and the credit agencies will not assist and remove from report. 

Please see my XXXX most recent reports with companies and if see page XXXX on XXXX report shows amex account balance of XXXX dollars. XXXX report has account on page XXXX and XXXX account is listed on page XXXX. This is just insane that this XXXX dollars is negatively impacting credit and I can not pay it or have it resolved
Product: Credit reporting or other personal consumer reports

I'm submitting a CFPB complaint and demanding that the Credit Reporting Agencies delete the fraudulent accounts and information from my Credit File. How many times do I have to tell the Credit Bureaus that I was a victim of identity theft and that the accounts I'm disputing were the result of this crime? I've repeatedly asked the Credit Bureaus to remove the disputed items, correct my Credit File, and provide me with copies of proof of verification. However, the Credit Bureaus have repeatedly disappointed me and failed to provide the requested documents. Despite sending dispute letters with complete proof of identity and the Identity Theft Report I received from the FTC, the Credit Bureaus have done nothing. I'm submitting this CFPB Complaint to follow up on my previous complaint and demanding that the Credit Reporting Agencies remove the disputed items immediately before I'm forced to take legal action. Remove the following items completely from my Credit File. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. Please assist me remove the items which are fraud : XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, TX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, TX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

To Whom It May Concern, I am writing to request specific information regarding the referenced account. Please note that I am not disputing the account or the information currently reported. I am simply seeking clarification regarding the account details.

I kindly request that you provide me with the following information : The date of the first delinquency on this account.

The date of the last payment made on this account.

The date of the charge-off on this account.

Having this information will help me better understand my account history and its reporting timeline. I appreciate your cooperation in addressing this request and look forward to your prompt response.

Thank you for your attention to this matter.

Sincerely,
Product: Credit reporting or other personal consumer reports

Although I am still unable to see my credit score or credit file, I am able to dispute certain items. The problem is I am not able to dispute a particular account ( which states it is under reinvestigation ) even though the dispute has been completed. I have asked that Equifax fix the situation with different managers, they all give different answers as to why the problem won't get fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX credit card about two weeks ago and was not approved then today XX/XX/20 I got a letter in the mail saying that the reason I was not approved was because there were accounts and inquiries reflecting badly on my credit. I looked at each of those accounts/inquires and I realized that none of them belong to me. I did not open any of the accounts that have been listed on this report nor did I give anyone permission to open them in my name. I do not have any contract or agreement with any of these companies and I am not affiliated with them in any way. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards those accounts. I don't know who could have stolen my personal information to open these accounts but I have already filed a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT HOMEBRIDGE TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Mortgage Mortgage Mortgage Account Type - Detail : FHA real estate mortgage FHA real estate mortgage Real estate mortgage Bureau Code : Individual Individual Individual Account Status : Transferred Transferred Transferred Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$240000.00} {$240000.00} {$240000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Transferred to another lender Transferred to another lender or claim purchased. 
Account transferred or sold Real Estate Mortgage Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX OK OK OK XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX OK OK OK XXXX XXXX OK XXXX OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX OK OK OK THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Debt collection

Company trying to say that they are calling from a debit collector. Tried to verify my personal information. When I stated that i would not give out that information they hung up on me.
Product: Credit reporting or other personal consumer reports

Please note that XXXX XXXX XXXX have replied via the cfpb to furnish requested information but have not done so as of XX/XX/XXXX. XXXX  have also not furnish requested info as well. There has been multiple request from XX/XX/XXXX to this current date XX/XX/XXXX where I have informed the companies that the accounts was established with my information without my knowledge and should be treated as fraudulent. My most recent request was in XXXX of XXXX asking for application establishment and similar information regarding the formation of the application but the company has refused, by simply stating the account is verified.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My chapter XXXX Bankruptcy is showing discharged with all credit bureaus expect for Transunion. They had put in a dispute claim, but said it was not up to them to fix it.
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Accounts Dear Credit Reporting Department, I am writing to dispute the accuracy of the following account on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I request that the credit reporting agencies conduct a thorough and reasonable investigation and provide me with detailed results regarding the disputed items. 

Furthermore, I was a victim of the Equifax data breach, which exposed my personal information to unauthorized individuals. Due to this breach, I have been subjected to fraudulent activity and accounts that I did not authorize. Under 15 U.S.C. 1681c-2 ( a ), I formally request that the credit reporting agencies block and permanently delete these fraudulent accounts from my credit file. 

Additionally, in light of the Consumer Financial Protection Bureau ( CFPB ) lawsuit filed against Equifax on XX/XX/XXXX, in which Equifax was fined {$15.00} XXXX for failing to adequately investigate consumer disputes and allowing previously corrected errors to reappear on credit reports, I insist that the credit reporting agencies not accept findings from any furnisher that fails to provide comprehensive and verifiable documentation supporting the accuracy of the reported information. I also request that the credit reporting agencies send me the specifics of its investigation, including any furnishers response, via mail or email. 

This request is also based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-off from XXXX, listed on my XXXX credit report. Following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/XXXX. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 

XXXX XXXX XXXX ( Installment ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance Reported : {$14000.00} Legal Basis for My Requests : Under 15 U.S.C. 1681c-2 ( a ), a consumer reporting agency must block and delete fraudulent information from a consumers file upon request when identity theft is involved.

Under 15 U.S.C. 1692g ( FDCPA ), I have the right to request validation of debts. If a collection account can not be fully validated with legally sufficient documentation from the original creditor, it must be removed.

Under 15 U.S.C. 1681e ( b ) ( FCRA ), credit reporting agencies are required to maintain maximum possible accuracy in consumer reports.

I request that the credit reporting agency complete this investigation within the 30-day timeframe mandated by the FCRA and provide me with a written response detailing the outcome of the investigation. If any of these accounts can not be verified as 100 % accurate, I expect them to be removed from my credit file immediately. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of these corrections soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Our real estate company filed a counter offer on a HAFA short sale on XX/XX/2016. They called back to confirm the counter offer was received, here is the timeline of calls to SPS : XX/XX/XXXX sent update offer {$310000.00} XX/XX/XXXX New offer in review. sale date postponed XX/XX/XXXX in review XX/XX/XXXX in review XX/XX/XXXX in review XX/XX/XXXX in review XX/XX/XXXX in review XX/XX/XXXX in review XX/XX/XXXX SPS states counter offer LOST NOT IN REVIEW! 
The real estate company confirmed SPS had the XXXX short sale counter offer on XX/XX/2016 which helped postpone a sale date. And then XXXX weeks later SPS lost my XXXX short sale. My major concern is because SPS has refused to stop the sale date of XX/XX/2016. So for the past XXXX weeks while I ca n't sleep at night because I have a sale date hanging over my head, SPS has been doing nothing to help me avoid a foreclosure or receive a HAFA short sale. I am furious! This is complete fraud, and/or dysfunction! And I am the one who may pay for the SPS incompetence.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Im a living soul and a sovereign and my ineligible rights have been violated and not protected by this merchant. Basically this financial institutions is supposed to give the consumer the option to opt out of being reported to Experian, XXXX and XXXX but they did't. Below are codes proves why this account should immediately deleted! 

2 ) 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information of personal. 
- A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless.. 

3 ) 15 U.S. Code 1681b - Permissible purposes of consumer reports- any consumer reporting agency may furnish a consumer report under the following circumstances and no other : B ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave them any written instructions to furnish anything! So they are in direct violation of 15 U.S. Code 1681b 4 ) 18 U.S. Code 1028A - Aggravated instruction Identity theft
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting act, the list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX Acct no XXXX XXXX  XXXX  Acct no XXXX XXXX XXXX Acct no XXXX XXXX XXXX  Acct no XXXX XXXX XXXX  Acct no XXXX XXXX XXXX XXXX Acct no XXXX They have violated my rights. 

15 USC 1681 section 602 A section 602 A. States I have a right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a count without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer 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 USC 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: Money transfer, virtual currency, or money service

Short version Coinbase has locked my account for a pending transaction that has aged out. ( will be 4 weeks old on XX/XX/XXXX ) The pending tranaction was from one coinbase wallet to another, they debited the source wallet twice and only credited the destination wallet once, leaving me with a negative balance and locked account. 


PERSONAL INFORMATION PLEASE REMOVE Coinbase support # XXXX PERSONAL INFORMATION PLEASE REMOVE 1 ) I attempted to transfer bitcoins from the coinbase multisig wallet to the active wallet to sell some bit coin. I attempted to do this twice, and both times the coinbase webinterface hung. 

2 ) So I used the coinbase provided multisig tool to directly enter a transfer from the multisig wallet to my coinbase active account. The default settings for coinbases provided tool had too small of a transaction fee and the transaction was never picked up on the block chain. 

3 ) The next day I redid the same exact transaction with a proper fee amount and it went through. The fact that the BTC were moved from the wallet in transaction # 3 permanintly invalidates transaction # 2 The transaction ( s ) 2,3 were for about XXXX bitcoins from one coinbase wallet to another. 
Coinbase debited for both transactions, and only creditied for one transaction. Transaction # 2 above will never ever be confirmed. ( If it was confirmed it would double spend the BTC in tranasction # 3, somethign the blockchain won't allow. ) Its now been almost 4 weeks and my coinbase account shows a negative balance of XXXX bit coin ( The differnce in the fee between # 2, # 3 ) when it should show XXXX BTC. 

Coinbase Support will not give me ANY information on when they might resolve this. Their own online documents say unconfirmed pending transactions should be removed after two weeks, its been 4. 

Even if the pendign tranasction went through ( and it cant ) it would be credited to coinbase, so there is ZERO possible loss on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request explanation of the personal information record Experian credit bureau had and the reason why they are selling my personal information without my consent to companies ( XXXX XXXX ) that solicit their services to me attacking me over and over with their letters. 

This information was sold to company outside financial sector. 

The XXXX XXXX refused to take my name from their list of Cremation Prearrangements excusing themselves that next time Experian credit bureau sells them the information about the people with the certain age my name might be there again and XXXX XXXX is NOT going monitor these lists.