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

I made a complaint about Chase for a joint account I had with my Daughter 's back in XX/XX/XXXX they finally sent a letter on explain what happen. I understand them taking my money out of my private account to making the account good with the joint. And close both account. On XX/XX/XXXX Spoke with XXXX Chase employees and they advise me on a record line that I would received the remain balance XXXX??? in XXXX to 7 days that was taking out of my private account without my daughter 's name. But as of XX/XX/XXXX I have not received a check, so I called to speak with the same employee and he advised me that my check was sent to my daughter and it was nothing them could do, because they account was close. I ask why did yall give my money to the person that account was in the negative and my account made it good. That don't make sense. He said they are the Bank and they would do whatever they want to. I begin crying and saying can I speak with XXXX please. this cant be right it was my remain balance not my daughter 's. The money was in my private account without her name. So can the bank send me to whoever they want?? please help me understand. I did right and pay a off set on a joint account but cant get my remain balance back. Also this was account was set up when she was in College XXXX XXXX XXXXXXXX when do they terminate a college account she is XXXX XXXX  now. So the BANKS have no accountable when they do wrong. Why the check was not made out to both of us and if it was she was able to cash that mean fraud happen. HELP someone help me make sense of this.
Product: Checking or savings account

On XX/XX/, I made an online purchase from XXXX XXXX XXXX XXXX It was a transmission that totaled $ XXXX discovered that there were two {$1300.00} taken out of my account totaling $ XXXX notified my local Chase Bank that there XXXX XXXX {$1300.00} taken out of my account that I did not authorize. On XX/XX/2023, Chase refunded me the {$1300.00} that was taken from my account which was not authorized. On XX/XX/2023XXXX XXXX XXXX XXXX XXXX XXXX  notified me that they could not find the transmission that I ordered from them and gave me back the {$1300.00} refund. On XX/XX/2023, Chase Bank saw that XXXX XXXX XXXX XXXX gave me the refund because they didn't have the part deducted {$1300.00} from my account forgetting that Chase was refunding me for the unauthorized {$1300.00} that was taken out of my account.I called the bank about the matter of Chase was paying for the unauthorized {$1300.00} taken from my account and was told there was nothing they could do about the matter
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXHi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX XXXX  XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX - XXXX
Product: Credit card

The retail store fraudulently signed me up for a promotion which they marketed stating the entire amount of the purchase would be zero interest for six months but it was only for {$490.00} which was a scam! 


When I notified This lending institution regarding this scam they instructed me to speak with the retail store manager.. They did not have any documentation about the type of promotion only the amount of {$490.00}. They basically XXXX the blame back onto the retail store.. I am the consumer that was scammed and now paying interest on the entire amount which was supposed to be zero interest for 6 months but being charged 27.99 % each month.. predatory lending and false promotional offers is disgusting and this institution needs to be investigated!
Product: Credit card or prepaid card

XXXX was installed on my XXXX and laptop computer. I tried several attempts to clear out the XXXX. They can bypass security software. They have installed hidden icons, which cant be located. They ordered credit reports with my credit card. Charged purchases on my XXXX, XXXX and Discover credit cards. Im so confused and frustrated on how to get this problem resolved. I have contacted XXXX numerous times and the manufacturer and XXXX to resolve. They were unable to resolve. This has been going on since XX/XX/2022.
Product: Credit card or prepaid card

My card was changed from an XXXX to a VISA and When it became a VISA XXXX sent me a bill saying that my new min payment was {$2200.00} ( 20 % of the amount owed ) which is substantially higher than what it always had been with XXXX approx 2.5 % of the amount owed. I paid at least the 2.5 % as I always have, then they proceeded to report late payments in XXXX and XXXX 2016 ruining my credit. This isnt right and they need to be held accountable. You cant just jack up a min payment from 2.5 % to over 20 % without any warning!!!! SEE ATTACHED DOC
Product: Credit reporting or other personal consumer reports

I requested that the company Experian delete incorrect/inaccurate personal information from my consumer report on XX/XX/year>. I requested that the company send to the address given an updated copy of the corrected consumer report. I have not received anything from Experian and the information has not been investigated or removed- it is still reporting incorrectly on my consumer report as of XX/XX/year>.
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. 
XXXX with an account number XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Product: Payday loan, title loan, or personal loan

I was told I was getting XXXX for my business loan I applied for everything went through on my end but I never received it and now I have no access to my email I applied for it with. Also the website is no longer available it's a whole new company so there is no XXXX XXXX XXXX. I applied for several of these around XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX has failed to fullfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to condeuct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishersm accepting unreliable response, and failing to adequestly notify consumers of dispute outcomes. These failures align with my experience, where XXXX has niether corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX ' inaction violates federal law and my rights as a consumer.
Product: Credit card

On XX/XX/XXXX I went to get gas from the XXXX station at XXXX XXXX XXXX XXXX, PA XXXX. At the station there was an individual that asked to pump my gas and would not leave me alone when I said no. I put {$20.00} worth of gas in the tank of my XXXX XXXX XXXX, the only car I own, replaced the pump and left the station. 

The evening of XX/XX/XXXX, I noticed a charge of {$170.00} on my Bank of America credit card account. Suspecting that the individual somehow used my card details to steal {$150.00} worth of gas, I called Bank of America to report the fraud. I was told that the charge was likely just a hold placed by the gas station and I could not file a claim until it posted. When it later posted, I called back and filed my claim on XX/XX/XXXX ( initial letter from BoA attached ). 

I subsequently filed an official report with the XXXX police department reporting the fraud on XX/XX/XXXX ( document attached ). 

I received no further contact from Bank of America, until I received a charge for the full {$170.00} that was fraudulently charged to my account on XX/XX/XXXX. I did not receive any explanation at all until I received a " Resolution Letter '' on XX/XX/XXXX. The only explanation for this was that the chip of my credit card was read at the gas station, which was never in dispute and was reported to the bank at the start of the dispute process ( document attached ). 

My vehicle can not even physically hold that amount of fuel, I do not own any other automobiles or other gas powered vehicles. I did not authorize any other person to utilize my card to make additional purchases past the initial {$20.00} amount. There is no history of myself ever making a gas purchase of anywhere near that amount on any account I own, including the account in question. 

Due to the failure of either the merchant or bank to prevent this fraud from occurring, I should not be responsible for the extra charges.
Product: Checking or savings account

My chime bank. They said it would come yesterday which was supposed to be deposited. But it didn't
Product: Credit card

I purchased a phone and laptop from the XXXX XXXX, they advertised no interest if the balance was paid in a certain number of months. To meet this requirement, I have tried to make payments exceeding the minimum amount due. Apple makes it exceedingly difficult to do so. I follow the online instructions, but the system stops at a point prior to completing the transaction. I have complained to Apple, their response id to resend the instructions that do not work. I fear they are delaying payment, so they can start charging interest.
Product: Credit card

I dont have any record of opening this credit card. Ive attempted multiple times to dispute and its not allowing me to.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Credit Collection Services for their deceptive practices and refusal to remove a negative item from my credit report, even after the debt was paid in full and they promised to do so I contacted Credit Collection Services after receiving a notice about the debt. They informed me that if I paid the debt in full, they would delete the negative remark from my credit report. I agreed to this and paid the past due. 

However, the negative item remains on my credit report, causing significant harm to my credit score and financial standing. I have repeatedly contacted Credit Collection Services to request removal, but they have refused to honor their promise. 

I have also contacted XXXX XXXX, the original creditor, and they confirmed that Credit Collection Services should remove the negative item. I am a current customer of XXXX XXXX, and they have expressed their concern about this situation and advised me to contact the CFPB. They also stated that they are considering removing Credit Collection Services from their preferred list of collection agents. 

Requested Action : I request that the CFPB investigate this matter and take appropriate action against Credit Collection Services, CCS Collections for their deceptive practices. I also request that the CFPB compel them to immediately remove the negative item from my credit report.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Information and Unauthorized Hard Inquiries Description of the Issue I am writing to report several inaccuracies on my credit report and to dispute the actions taken by the companies involved. Despite my efforts to resolve these issues through the dispute process, the inaccurate information remains on my credit report. 

XXXX. Negative Items - XXXX  XXXX XXXX Reported XX/XX/XXXX, with a balance of {$2300.00}. This item needs attention as it does not reflect the correct balance or status. 
- XXXX XXXX XXXX Reported XX/XX/XXXX, with a balance of {$120.00}. This account was placed for collection by XXXX. 
- XXXX XXXX XXXX Reported XX/XX/XXXX, with a balance of {$540.00}. This account was placed for collection by XXXX XXXX XXXX  XXXX XXXX. 
- XXXX XXXX XXXX Reported XX/XX/XXXX, with a balance of {$100.00}. This account was placed for collection by XXXX  XXXX XXXX XXXX. 
- XXXX XXXX XXXX Reported XX/XX/XXXX, with a balance of {$660.00}. 

XXXX. Hard Inquiries : - On XX/XX/XXXX, a hard inquiry from XXXX XXXX was made without my consent. 
- On XX/XX/XXXX, a hard inquiry from XXXX was made without my consent. 
- On XX/XX/XXXX, a hard inquiry from XXXX was made without my consent. 
- Additional unauthorized inquiries were made by XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, and others listed on my credit report.

Actions Taken : - I have previously disputed these items through the credit reporting agency, but the information remains unresolved. 
- I have not authorized the hard inquiries listed, and I did not give consent for these to be made. 
- Despite my efforts to correct these issues, the negative items and unauthorized inquiries persist on my credit report. 

I request that the companies involved investigate these issues and remove the inaccurate information from my credit report, as it is damaging my credit standing and does not reflect accurate or authorized activity. 

Thank you for addressing these matters promptly.
Product: Credit reporting or other personal consumer reports

The right to contest my credit report is something that every American has. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ), I am exercising this privilege. I understand the nature of these proceedings - it's not just about whether or how much money was owed ( although we will explore both ), but also what kind of debt load can have on your life if they're left unchecked! The report-ability of any derogatory and or delinquent act is oftentimes questionable. I challenge this notion as I do not believe in reporting something unless there's factual documented proof to support it. You must report compliantly and accurately per federal and applicable reporting laws of my state. It is unlawful and unethical to retain any information which you know or should know does not comply with regulations.

This letter to you serves as a wake-up call to you to ensure that all data with my credit report is factual and in compliance with XXXX XXXX format reporting standards. I request that you validate with physical ( in writing to me as a response ) verifiable proof of permissible purpose for any of the alleged delinquent/derogatory accounts allegations of inquiry ( ies ) .Thankfully, I'm giving you 30 days to complete your investigation into the validity of this claim. If it's current and compliant with regulations then we'll leave things as they are ; but if not - well... I demand that you remove them from reporting ( my credit report ) immediately.I request that you send me physical documents proving your action ( s ) and my updated personal credit report following any correction ( s ). The following items appear questionable in reporting! Please ensure that each item below is accurate, reporting compliantly, completed and timely being reported or DELETE immediately :
Product: Debt collection

Ive contacted the bank in regards to this matter. They claimed its been resolved. Ive contact the law enforcement agency and filed a report and affidavit. They claim they identity theft report is valid. And lastly, Im contact the credit reporting agencies. Both XXXX and XXXX have removed the accounts per legal requirement. But for some weird reason Experian feels Im not following all the steps. 
XXXX XXXXXXXX PLEASE DELETE!!! XXXX  and XXXX have already removed this account from their records. 
I know the consumer laws and the courts are very lenient with the banks and credit reporting agencies so filing a lawsuit is a waste of energy. They make some absurd claim that the documents Ive submitted are not valid. Id like the CFPB to honestly look closely at this case because it seems this is a lack of their legal requirement to process the identity theft report.
Product: Credit reporting or other personal consumer reports

I saw on my credit report a soft inquiry dated XX/XX/year> by XXXX XXXX XXXX XXXX through a company called XXXX XXXX XXXX. When I called the legal dept of XXXX XXXX XXXX XXXX, they indicated that when I got a test done, I was required to sign a form allowing them to check my credit record. 

I don't remember signing something like this so I asked for a copy of the agreement I apparently signed. I haven't seen it yet, however. 

In addition, there would be no reason to have everyone who is undergoing a medical test to allow the medical system to look into my credit report. How do I stop this? I don't owe medical debt to this institution ( or any other ) and my health insurance pays for all my tests. 

This is the second time a medical institution has pulled a soft inquiry on my credit report.
Product: Debt collection

I sent a debt collection validation letter to this company on XX/XX/2019 their response in their letter they sent back to me clearly violates my HIPAA rights because I never signed the HIPAA release form with XXXX XXXX XXXX, XXXX, to share my information with Optimum Outcomes , Inc .
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove an unauthorized inquiry from XXXX Bank Experian refuses to correct my name legally despite being sent a copy of my drivers license 6 times. I don't have variations. I have 1 name. 

Their internet document upload does not work They ignore my certified letters 6 of them. 

XXXX refuses to remove an unauthorized inquiry from XXXX XXXX XXXX. I called the company 3 times and they have no record of any application or XXXX contacting them. XXXX refuses to remove with a FTC report. I provided a previous FTC no but that's not good enough
Product: Credit reporting or other personal consumer reports

I have asked to have my experian acct cancelled with XXXX payment. 
they continue to ignore me and don't cancel or call. 
I want the credit from the last one amount charged and have the person I call removed, as he does not help with any follow up of correcting wrong information.
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 


XXXX XXXX Under dispute Date opened XX/XX/XXXX XXXX {$0.00} Status Account charged off. {$380.00} written off. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$740.00} Status Account charged off. {$740.00} written off. {$740.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX dispute Date opened XX/XX/XXXX Balance {$1100.00} Status Account charged off. {$1200.00} written off. {$1100.00} past due as of XX/XX/XXXX. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$470.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Account charged off. {$1300.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$3800.00} Status Account charged off. {$3800.00} written off. {$1600.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$1200.00} {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX XXXX 
Collection accounts XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$480.00} Status Collection account. {$480.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$470.00} Status Collection account. {$470.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Collection account. {$1200.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$380.00} Status Collection account. {$380.00} past due as of XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> at XXXX I put in a request via the Coinbase app to sell my ( at the time ) {$100.00} of the crypto solana XXXX Normally this takes mere seconds as the nature of crypto makes transactions instant. Coinbase has held my funds in a pending status to this day and no matter what customer support you contact you get the say the same copy pasted answer every single time. I personally have lost thousands from the delay and Im sure others have lost a lot more than me. No other exchange is having any issues and customer support times on the app have exceeded a 7 hours wait time. It almost seems like Coinbase is acting maliciously as they would be able to create very lucrative revenue from holding users funds during the current crypto boom. In fact this issue started as soon as XXXX tokens started to rise by the tens of thousands of percent. Check the google ratings for Coinbase XXXX and see the hundreds of people having issues with this supposedly reputable platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a XXXXXXXX XXXX XXXX card on my credit file that does not belong to me and appears to be Fraud, I have contacted Experian several times to have the XXXX XXXX XXXX  Fraud account disputed, investigated and removed,. Experian continues to deno and initiate a dispute or investigation for this Fraud account. Under the FCRA Experian must open an investigation and must dispute and remove any inaccurate or unverified information on ones credit file. 

I did not Open an account with XXXX XXXXXXXX XXXX  or any one whom may be collecting on their behalf. I did not agree to any documents, i did not sign any agreement with XXXX XXXXXXXX XXXX, I did not give authorization to XXXX XXXX XXXX or any creditor to open an account in my name. 

Under the FCRA Experian must open an investigation and must dispute and remove any inaccurate or unverified information on my credit file.