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

approx XXXX of 2018 chase bank closed my business checking account, with no explanation, freezing my access and withholding both my money and statements, necessary for taxes, with no explanation by phone or in person. 

I was directed to go to a branch for my local deposit, which had no answers either. A simple transaction, where I opened a savings account on chase bank 's online banking platform, funded with existing funds from my business checking account, somehow was the root cause of this, yet no explanation was offered. 

When calling by phone to try to investigate this matter, one of the representatives mentioned that someone else contacted chase and was given information regarding my account, at which point I made it clear that I had never authorized access to anyone else, nor did anyone else have the login credentials, and was met with rude responses in the face of an obvious security issue. 

All my business transactions are fully documented, with invoices and paper trails, yet chase refuses to provide an explanation for why they froze me out of access to my money and statements, and continues to refuse to provide even basic checking services for my business.
Product: Debt collection

Please note my complaint is against XXXX XXXX XXXX XXXX who does the billing for the Physicians at the hospital ans also against Lancaster Collections .I found out about this debt when I applied for credit and was denied due to this derogatory information being reported on my XXXX. Through further investigation, I found out that " XXXX XXXX XXXX XXXX. had placed my account with a XXXX party collection agency, Lancaster Collections. I never received notice of any such bill and had they sent the correspondence to me and or contacted me by telephone then I would have made an arrangement to resolve the debt. This is the XXXX time this year that this same exact scenario has played out.Where both companies FAILED to make an attempt to contact me via phone or email and just placed an account in collection.Therefore, I was NEVER afforded the opportunity to resolve the debt in a timely manner prior to it going to collections and effecting my credit in a negative way. The hospital has my current information and sends me a monthly billing statement every year. The first time it was in regards to account # XXXX and after speaking to XXXX from XXXX XXXX at XXXX ext XXXX she promptly resolved it by recalling the account from collections and having all derogatory information deleted form all national credit bureau agencies. Therefore, I should not be going through this a XXXX time around for a different account as they have my current address and telephone number. However, once again they placed me into collections and failed to contact me via mail or telephone in regards to my daughters account # XXXX and on XXXX/XXXX/15 I contacted XXXX XXXX at XXXX and spoke with XXXX at XXXX XXXX who ASSURED me that he would recall the account from Lancaster Collections as well as have any derogatory information deleted form the national credit bureaus. Unfortunately, he FAILED to follow through on any of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is message is not an error. By law I am a consumer and my information was misused and due to that matter I have Inaccurate account on my credit report.
Product: Credit reporting or other personal consumer reports

I AM AWARE OF MY RIGHTS UNDER section 605b of the fair credit reporting act that the fraudulent information on my credit report must be investigated thoroughly and removed from my credit report. I have the right to dispute fraudulent information that is a result of identity theft along with providing the necessary documentation which I have done so with this letter. I expect TRANSUNION to take this matter seriously and update me of the outcome of this dispute by sending me a copy of my credit report after this has been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to have my name and social security number corrected on my Equifax credit report. The company is completely disregarding my my disputed information. I have forwarded a copy of my driver 's license, social security card, and utility. I wad sent a response to my dispute on XX/XX/2023 and the name above my address is clearly not my name and I have provided multiple documents to verify my identity. I would like the record to show that my accurate XXXX is XXXX XXXX. I do not go by any other name or alias. The incorrect name of XXXX XXXX is on my credit report dispute. I am NOT XXXX XXXX. I am requesting this name be removed from my credit report immediately.
Product: Credit card or prepaid card

Went on the website to try and make a payment on my account and it was closed. Chase Bank said that someone tried to make a payment on the account already and it was therefore closed. I 've been with the Chase since 1999 without ever being late. Please help me resolved this issue. I would like to resolve this issue by getting the accounts back open.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the ability to opt out of the below accounts on my TransUnion consumer report, in accordance with the provisions outlined in 15 U.S.C. 6802 ( b ), 16 C.F.R. 313.7 ( a ), and 12 C.F.R. 1016.7 ( a ) ( 1 ) ( 2 ). 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, # XXXX, # XXXX As a consumer, I understand that I have the right to control the sharing of my nonpublic personal information with nonaffiliated third parties. Specifically, 15 U.S.C. 6802 ( b ) mandates that financial institutions must provide a clear and conspicuous notice to consumers about their right to opt out of such information sharing. Additionally, 16 C.F.R. 313.7 ( a ) and 12 C.F.R. 1016.7 ( a ) ( 1 ) ( 2 ) further detail the requirements for financial institutions to provide consumers with an opportunity to opt out of the disclosure of their nonpublic personal information to nonaffiliated third parties. 
Request : I am requesting that TransUnion, as a financial institution subject to these regulations, prove TransUnion provided the consumer the ability to opt out of the inclusion of certain accounts on my consumer report. This request is made to ensure that my nonpublic personal information is not disclosed to nonaffiliated third parties without my explicit consent. 
Justification : 1. Notice and Opt-Out Rights : According to 15 U.S.C. 6802 ( b ), I am entitled to receive a notice that clearly explains my right to opt out of the sharing of my nonpublic personal information. This notice should include a straightforward explanation of how I can exercise this right.

2. Regulatory Compliance : Both 16 C.F.R. 313.7 ( a ) and 12 C.F.R. 1016.7 ( a ) ( 1 ) ( 2 ) require financial institutions to provide consumers with a reasonable means to opt out of the disclosure of their nonpublic personal information. TransUnion must comply with these regulations by offering an opt-out mechanism that is easy to understand and accessible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Product: Checking or savings account

SoFi has frozen my account XXXX week ago, and wont tell me why. 

I started receiving debit fraud charges on XX/XX/year>. They are all from the same company, XXXX XXXX XXXX All of these transactions were pending for around 5 days before they posted. The first was an amount of {$23.00}, which posted on XX/XX/year>. The second was an amount of {$130.00}, posted on XX/XX/year>. After these two charges were pending, I had immediately called and had my debit card frozen and ordered a new one. 

XXXX more transactions were pending 10 days later, likely because this scam artist had hacked into my account number, not my debit card number. SoFi has never confirmed this. The first was an amount of {$16.00}, and the second was an amount of {$140.00}. I called again and asked to have SoFi stop this recurring payment on my debit card. They filed a dispute for this, then emailed me back a week later and told me that this transaction was not being posted through their XXXX system, so I had to reach out directly to the merchant to stop this recurring transaction. This merchant is not a real company, so I can not communicate with them directly, obviously. Both transactions posted on XX/XX/year>. 

During this time, SoFi froze my bank account. I have called them every day for the past week, and they have given me no further information on why my account has been frozen, or when I can expect to have access to my money again. All of my savings are in this account. 

Yesterday XX/XX/year>, I also recieved an email stating that the first debit fraud transaction I disputed was NOT found as unauthorized, and my dispute has been denied. If these transactions are being investigated as not fraudulent, then why is my account frozen? 

Please help is any way. I can not get any further information from them, and their vague answers are incredibly disheartening. I need access to my money.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

I recently tried to purchase concert tickets using the XXXX service. The service is backed by all of the major financial institutions making it seem more legitimate and trust worthy than other payment services like XXXX and XXXX. However, this service seems to worse and less secure than those. The person sent a request for me to transfer the money and I did so. It took multiple days to process the transaction and there was no clear way for me to monitor it and cancel it if need be. Two weeks have gone by and the person I was trying to purchase tickets from still hasn't given them to me. I tried calling Wells Fargo to see if they can reverse the transaction. The first person I spoke to said they could do a " money move '' and get me the money back. After that, I got transferred multiple times before someone put me on hold for about 20 minutes just to tell me that there's nothing they can do. They are aware of the transaction and even know that the money was deposited in an account with XXXXXXXX XXXX. However, they refuse to even contact XXXX about it. I called XXXX myself to see if there was something they could do, but they claimed that they couldn't do anything even though I knew the email associated with the account. They recommended that I speak to Wells Fargo. Wells Fargo basically told me that I have to get the money back on my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

All my credit card bills have XXXX balances with paid I full : XXXX, XXXX XXXX, and XXXX. Have never been late or delinquent. There should be no delinquent credit information on my credit report for any accounts considering Federal Truth In Billing and Credit Reporting Disclosures Act and FTC Law with legally variable proofs provided. It is the due diligence of the bureaus to report true and accurate informations to avoid discrimination in lending. 

In addition, moved to dispute all credit inquiries within the last 180 days to current because they were done in bad faith, malice intends, and knowledge without proper authorization and Disclosures as a matter of law as exposed vulnerabilities. These inquiries have substantially caused my credit report to decrease as consequence. As a result have threaten my access to equal credit and to apply for loans to enjoy the equities in my homes.
Product: Vehicle loan or lease

In XXXX, XXXX I did a voluntary COVID surrender of a XXXX XXXX XXXX XXXX. It was financed with Santander Consumer USA. This was due to a loss of income. Santander sold the vehicle and turned the account over to collections with XXXX XXXX XXXX XXXX We settled this collection account on XXXX XXXX, XXXX. I sent letters to Santander and to the three credit reporting agencies with this information. I requested that the Santander account reporting on my credit file be up dated from charged-off to settled in the comments. They refused. I have been trying to have this corrected for two years. XXXX XXXX XXXX XXXX was removed but Santander was not updated. This is unacceptable.
Product: Credit card

The following information is from my Experience report which was emailed to me : XX/XX/year> - Your XXXX XXXX  account balance increased to {$3100.00} [ {$2500.00} of which represents unauthorized purchases from someone who lives at XXXX XXXX XXXX, and who's address shows on my alert as XXXX ] * XXXX is currently working through this fraud alert XX/XX/year> - Your FICO Score has decreased by XXXX points XX/XX/year> - XXXX XXXX got a copy of your Experian Credit Report XX/XX/year> - XXXX  XXXX got a copy of your Experian Credit Report
Product: Mortgage

The selected problem is with another lender as a result of the problem created by 53rd bank. 
Here is what happened : My business loan with Fifth Third Bank here in XXXX Florida seems to have fraudulently-dualized liens attached to my property creating a double lien exposures that frightened a prospective business partner who refused to proceed with a deal causing me great pain in retrieving and recycling my trapped equity to lighten my monthly recurrent financial burden. The property involved is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, Florida XXXX housing my company, XXXX XXXX. As at the time of the deal, the company 's rep Mr. XXXX XXXX sold to me the idea of refinancing an existing mortgage in the property in the amount of {$120000.00} and because the equity was close to another $ XXXX-XXXX, my standing improvement project at XXXX XXXX XXXX XXXX gets approved to the tune of {$230000.00} so that l could get about {$30000.00} l needed from the improved loan amount to finish up my improvement. From the above descriptions, my combined loan on closing was {$360000.00}. Now in recording the liens, Fifth Third Bank asserted a questionable right and recorded three liens of {$120000.00} and {$230000.00} on XXXX XXXX XXXX XXXX XXXX XXXX. property and {$230000.00} on XXXX-XXXX XXXX  XXXX XXXX address. This action they claim as " cross-collateralization '' now indicates to a low information consumer that l owe the bank {$600000.00} at my closing and not {$360000.00}. This l believe is outright deceit, dishonest and fraud that is hurtful to my financial interest. 

Since the XXXX-XXXX XXXX XXXX XXXX property is now completed, a cross-collateralization of its loan {$230000.00} with another property in exact amount is " fat '' lie. This amount to an attempt to easily steal my property should l have a financial downturn and difficulty and l want this action to be investigated if the bureau has the power or be referred to the appropriate authority for investigation. Yes l signed the document because their rep played a dual, conflicting role for the bank and my company. In doing that there is a conflict of interest since there was no third party title company used to steer the deal away from conflict of interest which clearly took place here especially now the bank is using its legal muscles to pressure me to refinance my deal against my time-table even when l still have time left on the mortgage and promissory note. After discussing with a prospective lender, his argument is that since l have two liens on one property, his lien will be third in line and he refused to proceed with the deal. This is creating financial difficulties for me because l have enough equity in the property to help me liquidate some of recurrent and unnecessary liabilities and still engage in a construction loan agreement with the said lender. 53rd Bank needs and should correct this fraud and if they owe me money, l need that be paid back to me too.
Product: Credit card or prepaid card

My GM credit card showed {$49.00} on XX/XX/XXXX to pay XXXX member ship payment for my husband, he never gave permission to XXXX insurance company to charge his credit card. I gave permission for them to charge my member ship several years ago and my GM card was changed several times. I called GM card credit company which is capital one, they won, t dispute the charge so I went to XXXX insurance co.office in XXXX and told them not to charge to my credit card any more and told them I will pay with my checking account, .they told me that it is already charged so we will take off for automatic charge and the clerk took off automatic charge. The membership due was XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus and XXXX XXXX XXXX, XXXX  to remove these 2 accounts. The 1st one was opened on XXXX XXXX, XXXX ( 7 yrs, 8 mos ) which make it obsolate under the 7 years statute of limitation of the FCRA. The second one was opened on XXXX XXXX, XXXX ( 7 yrs, 11 mos ) which also make it obsolate under the 7 years statute of limitation the FCRA. The accounts are also fraudulents.
Product: Credit reporting or other personal consumer reports

XXXX is incorrectly showing a high / inaccurate balance from an original creditor on my report. It shows a high balance of {$2400.00}. I have statements from XXXX for the same account showing high balances of {$2500.00} and {$2500.00} neither of which are the original High Balance on the original account or the high balance when it was received by XXXX XXXX.
Product: Mortgage

I was approved for home modification.I completed my trial period and received docs with a sound ve ex husband name on docs.I applied for modification in only my name.I called my poc to inquire why his name was docs since I hadnt applied with his name on any my info.I was told that she would check into it.I received a call several days later informing me that because I live in a community property state that I needed a quit claim deed from my son to be ex and that would solve my problem.I was able to get a wuit claim from my soon to be ex husband and I faxed it over thinking that I solved the problem.I contacted my PIC and I was told I needed Divorce Decree.I informed her that she had.told me.that I.only needed the quit claim deed and that it would be impossible for me to get a divorce decree before 6months.I asked for a supervisor .I received a phone call from.the supervisor and I was told pretty much if I did n't get divorce I would lose my modification.I then filed a complaint with.Wells Fargo informing them that I didnt feel I was been treated fairly since I had did everything that I was supposed to do and that because im getting divorce im being penalized for.something I have no control over.I purchased my home 20years ago.and I have only veen married 2.5 years.I complied with everuthing they asked of me and im getting treated terrible.I received a call from them today telling me pretty much that if I didnt get a separation agreement that I would lose modification.This has caused emotional stress, headaches, sleepness nights I have XXXX has been an horrible experience.I would n't wish this on anyone.Please help me resolve this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$130000.00} XXXX XXXX XXXXXXXX Balance : {$37000.00} XXXX XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. the information listed below, which appears on my credit report, does not relate to any transaction ( s ) that i have made. it is the result of identity theft. i have contacted credit bureaus EXPERIAN, XXXX, AND XXXX regarding this matter. with all three reporting agencies stated that the accounts are being verified by creditors as accuarate. I have also reached out to the creditors XX/XX/XXXX to whom also replied saying accounts are correct and I am responsible. These accounts were opened by someone other than me for extreme financial gain and they are affecting only me while trying to accomplish life goals.
Product: Credit reporting, credit repair services, or other personal consumer reports

( 103 True identity theft ) REPORT NUMBER XXXX XXXX Report Number : XXXXXXXX XXXX File Number : XXXX i am a victim of the Equifax data breach and ive filed my claims accordingly ive been attempting to clear my credit report of these fraudulent items as far back and ive been unsuccessful XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

I ordered clothes from a company in XX/XX/2022, I never received the package.The company finished their investigation and found I should pay for the package because it was tracked to my address, I .never saw the package. I think the carrier delivered the package to my house, left it in front of my door without a response from me and someone walked away with it. I am not responsible for the debt of a package I did not receive. The company threaten to send to collection and credit agency
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. 

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 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 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. Or a list of inquiries : 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 an 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 or 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
Product: Checking or savings account

Chime put a account suspension back in XX/XX/2022 I have not been able to access my account and the funds. I have reached out to chime by email and phone calls more then a dozen times and no answer other then keep emailing the department I have talked to supervisors that give me the run around and lie 's