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

On XX/XX/XXXX I filed a complaint with against Chase bank in reference to them restricting my account under case number XXXX. The Banks executive office reached out to me via Email on XXXX XXXX 2023 and stated that i could go into the bank branch to withdraw my funds of XXXX before the documented Closing procedure begins on XX/XX/2023. However, I go into the branch to get my funds and Im told that Chase had in fact closed my account on the day of the letter being sent instead of the documented date thats in my letter. I have been dealing with this entire situation unable to get my funds since XXXX the XXXX I have been homeless because Im stranded and been getting the run a round from them. Now they are saying they closed my account today and that it shouldnt have been closed until the day listed in my letter which is the XXXX, XX/XX/2023. Saying there is nothing they can do and I informed them that I do not live at the address on file and that if they send any check to the address it wont be received and I refuse to have to wait another day for my funds!!! There are notations in my account stating the account isnt to close until the XXXX of XX/XX/2023 and that I can come in and pick up a check with no hassle.
Product: Checking or savings account

This relates to a bank fraud complaint I filed on XX/XX/2025 at CFPB already. I was anticipating deposits into my checking account. The first one was for almost {$3000.00} due on XX/XX/2025. It was for exactly {$2700.00} from my retirement check. The second deposit was for {$1500.00} on XX/XX/2025 for a refund from XXXX XXXX in XXXX XXXX the managers name is XXXX and the main office is in XXXX. I did not receive the second deposit today on XX/XX/2025. Not only because of prior complaints which causes me to have concerns but their may have been a banking error if another patron at Bank of America at the XXXX XXXX at the intersection of XXXX XXXX and XXXX XXXX, ( I think its XXXX XXXX XXXX ) duplicated the last XXXX digits of my account.
Product: Credit reporting or other personal consumer reports

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

Recently, I did investigation on my credit report and found several items on there to be inaccurate.

Under 15 u.s. code 1681e ( b ) accuracy of report whenever a consumer reporting agency prepares a customer report, it shall follow reasonable procedures to assure the maximum possible accuracy of information concerning the individual about whom the report relates.

15 u.s. code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any investigation under paragraph ( 1 ) of any information dispute by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, base on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from file of consumer.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This alleged debt was originally with XXXX. XXXX was unable to validate the debt and the alleged original creditor ( XXXX XXXX XXXX XXXX ) was also unable to prove this alleged debt belonged to me. The debt was REMOVED from my credit reports. This alleged debt is now with Capio Partners and is now being reported on my credit reports. I would like this debt removed from my credit reports immediately. 

This debt does not belong to me.XXXX XXXX was unsuccessful in proving the debt was mine when working with XXXX collection agency and resulted to selling the debt and/or using another collection agency to attempt to collect on a debt that has not been proven to be my debt. 

This is an inaccurate and illegal reporting and I want this account removed from my credit files.
Product: Credit card

I have a credit card with navy federal credit union that is now closed but I still have to make monthly payments on it as it still has a balance. I do not receive any paper statements or online statements. Contacted a supervisor twice and spoke to numerous times to customer service reps. The only thing I know is that my payment Due date is on the XXXX of the month. I have no idea what my interest charges are. Everytime I call to make a payment I ask what my minimum payment is and that is how I 've been paying my monthly credit card bill for the past year. Absolutely unethical.
Product: Money transfer, virtual currency, or money service

Paypal is very deceptive in its transfer money system. Whe a customer goes tot he " money out '' section of their account to send money to their personal banking institution Paypal offers two options for how to do it : 1. No Fee - within 1-3 business days 2. {$25.00} fee- to transfer within seconds The issue is that the company has intentionally designed the XXXX so that you can't tell which option is selected, they are both blue. If you click on the " No fee '' button, the blues shift but you have no idea if that's what you've selected or not, both buttons look like they couild be selected. However, if you click the " {$25.00} fee '' button the screen immediately takes you to the processing screen. 

This XXXX design is deliberate to trick a small % of unwitting consumers out of {$25.00}. It is in the same vein as the old scam banks used to run with how they prioritized your purchases and deposits to ensure you overdrafted if at all possible.The government did a great job of shutting that scam down. You could make another huge difference for consumers by having PayPal stop trying to take advantage of consumers with its deceptive XXXX. It's sad the company feels this is necessary for its business model.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted on XXXX XXXX XXXX  and I have not yet received a response. ''
Product: Money transfer, virtual currency, or money service

My entire XXXX federal tax return was deposited into a PNC bank account I do not know or have any affiliation with. XXXX XXXX XXXX XXXX reached out to PNC bank in good faith to get the funds, they REFUSED to send them back. Their client got my entire tax return and they will not give it back
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer 's disputes. Iv'e been given the run a round and need this to be solved. I'm deeply stressed because this is effecting me heavily and as a XXXX  father to a XXXX XXXX, I am trying to better my future but this is holding it up. I have been sending letters before this and still no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report that I did not give consent nor benefit from. These inquiries are causing me emotional turmoil because of the amount of stress it is putting me under. Inquiries are preventing me from getting a new home during these tough time. I filed a FTC report backing up my claim that these inquiries are fraudulent and need to be blocked/ removed immediately. According to law You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

FORTIVA is reporting inaccurate showing missed payments on XXXX of XXXX and XXXX of XXXX. Thats inaccurate this account has never been late.
Product: Debt collection

I filed Chapter XXXX Bankruptcy on XX/XX/2020. One of the creditors listed in XXXX XXXX XXXX XXXX, HSBC Bank USA, N.A., of my bankruptcy petition, has sent me a 2020 tax year 1099C. Under the identifiable Event code, ( XXXX XXXX ) they claim it as XXXX XXXX - " a decision or policy to discontinue collection ''. It should in fact show in XXXX  XXXX the following code XXXX XXXX " bankruptcy ''. Due to the inaccuracy I would have to pay taxes on this " forgiven '' debt versus a " discharged '' debt through the bankruptcy. 
I will file a form 928 with my taxes in hopes that IRS will realize I do not owe this and it was filed in bankruptcy however I want this changed. I know I am not the only person this is happening to. HSBC has refused to talk to me and there was no point of contact included with the 1099C when it was sent. 
I feel that this is a shady attempt to get money out of people who are already in financial despair but who have done what they were supposed to do legally, to rid themselves of the debt. 
My Discharge from the Chapter XXXX bankruptcy was dated XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I am writing to formally attest that I am a victim of commercial trafficking in persons, as defined under section 605C of the Fair Credit Reporting Act ( FCRA ). I kindly request your assistance in complying with the legal obligations outlined in the FCRA to ensure the protection of my rights as a survivor of trafficking.
Product: Credit reporting, credit repair services, or other personal consumer reports

For almost a year now I've been in contact with the credit bureaus about inaccurate items that have been reported to my credit profile. It has left me with a tremendous amount of stress due to the fact that I can't get approved for what I need to get approved for. They are in violation according to Congress and I am ready to file for litigation if necessary. The accounts are unauthorized, and I didn't approve of the accounts. I need these accounts removed immediately. It's been over 45 days when I suppose to have heard from them in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to t he Credit Agencies abo ut inquiries on my credit report that I do not recall authorizing and that I do not have active accounts for from those companies who made inquiries on my credit. I also sent all the required information to confirm my identity : name, address, dob, social security number, proof of residence, and proof of identity. I received a letter from Experian asking me to send proof of identity which I sent with all of the original information. This is a stall static and I am dissatisfied with their efforts to verify or remove the inquiries.
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). These accounts are false and falls under trafficking according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX, XXXX, Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

THis is not mine. I did not get an auto loan from here
Product: Checking or savings account

On XX/XX/XXXX, I was denied the opportunity to open a business account by XXXX XXXX XXXX, the bank manager at the M & T XXXX XXXX XXXX. XXXX XXXX informed me that I needed to be registered with the state, which I was not, and as a result, he refused to open my account, leading to what I believe was discriminatory treatment. 

Feeling discouraged, I conducted further research and eventually contacted M & T corporate. I was assured that the issue would be resolved and that the appointed manager would be informed of the nature of my organization, ensuring that my account would be opened without further problems. I was then scheduled to meet with XXXX XXXX at the XXXX XXXX branch. 

Upon my arrival, XXXX XXXX mentioned that he had attempted to contact me by phone but was unsuccessful. He spoke to me in front of other bankers in the lobby, forcing me to explain my situation publicly, which I found unprofessional and uncomfortable. He then invited me to his office but left the door open, prompting me to request that it be closed for privacy. 

During our conversation, I informed XXXX XXXX that I had all the required documents to open my account. His response was abrupt, stating that I couldnt tell him what was needed since I wasnt an M & T employee. He then asked me to wait outside while he attended to other clients. During this time, I contacted M & Ts corporate office, and they assured me I would receive a callback within a few days. Afterward, XXXX XXXX called me back into his office, reviewed my paperwork, and acknowledged that my account should have been opened. However, despite this, he refused to proceed with opening my account until he spoke with the person who initially denied me service, XXXX XXXX. 

XXXX XXXX ultimately denied my request that day, citing the reason that my address is in XXXX while the branch is in XXXX. He expressed that he did not want to include notes explaining why my account was being opened at a different branch, even though he confirmed that I had all the necessary documentation. 

Frustrated, I contacted corporate once again and filed a formal complaint. I was told I would receive a callback within a few days, and eventually, I spoke with XXXX XXXX from the customer advocacy division. XXXX XXXX communicated with all the involved parties and confirmed via email that neither XXXX XXXX nor XXXX XXXX had any valid reason to deny my account. XXXX XXXX had reported that my paperwork was in order, while XXXX XXXX inaccurately claimed that he had asked me why I chose M & T Banka conversation that never occurred. 

XXXX XXXX assured me that he would follow up with XXXX XXXX to resolve the matter. In early XXXX, XXXX XXXX informed me that XXXX XXXX would open my account, and I confirmed that I was available to come in on XX/XX/year>. However, I never received a confirmation or follow-up regarding my appointment. 

I firmly believe I was discriminated against based on my appearance, specifically due to my clothing and hair XXXX, and I expect this issue to be addressed and resolved promptly.
Product: Credit reporting or other personal consumer reports

It is not belong to me. It is fraud! This is causing me a lot of stress and anxiety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified these items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please delete these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Bank account or service

I was trying to pay my student loan with Navients automated system. It would not let me pay what I wanted to pay it put in {$1000.00} payment to come out of my account. Is it legal for them to put the amount in for you automatically??? What can I do??? Who can I complain to about their tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Bankruptcy was not verified by the courts and needs to be removed. I have attached the from the courts supporting such facts. They do not have Social Security Number attached this account for me. This not my account, by the FAIR Credit Act ( section 623, 611 ) this information must verified by the original account holder ; in addition, to being accurate is not. I will hold Experian, XXXX, and XXXX   responsible for displaying this information on my credit report. 

I have attached the letter from the courts, and I have requested this information to be removed months ago. Therefore, it has been over the 35 days. This is information can not be verified by a third part either as a so called government agencies. 

Please remove ASAP. Or face a Lawsuit
Product: Credit reporting, credit repair services, 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Experian failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation 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 Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither 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 Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit card

In XX/XX/XXXX I paid off and closed my credit card account with Bank of America in order to avoid the annual fee. A week later, when I went in to get historical information, I discovered my online banking account had been completely XXXX because I no longer had any active accounts. In order to get it reinstated I opened a checking account through my husband, only to discover once I logged in that my closed credit card, and all of my transaction history and statements no longer existed. I contacted Bank of America on XX/XX/XXXX in order to ask for them to send me electronic copies of my transaction history or statements, and they told me this was no longer possible ( despite being required by law to keep this information for years after the account is closed ), and that they would only provide it on paper via mail or in a branch ( the closest of which is 2 hours from me ). Given that they are required to still have this information stored in their electronic database, completely hiding the account immediately from me and refusing to provide the information they are legally required to provide in any format other than paper feels deliberately difficult and as though they are punishing me for closing an account with them.
Product: Debt collection

I received a letter from Portfolio Recovery Associates dated XX/XX/2018. I have spoken with and been assured that XXXX will not contact me in any way. As I am severely XXXX and on XXXX, there is no possibility that they will ever be paid. I indicated that on the phone and they assured me they would not contact me again, in any way for any reason. 

I have written to XXXX over the years requesting the same thing, no contact, yet they continue to contact me. Admittedly, the contacts have reduced to only once every several months, but they still contact me. 

Please, No more contacts. I can't pay and have made my situation clear and agreed to send them my XXXX benefits letter if they wanted proof, which they have not wanted.