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

About XXXX months ago I opened a business account with Chase and had issues since the start ( Constant check verifications ). After about a month my account was closed and wasn't given a reason why. The day I called and was told my account was being closed I was told that I was going to be receiving a check for the remaining funds ( ~ {$8000.00} ) in the account. XXXX weeks passed and I still hadn't received the check, when I called Chase again I was told I needed to verify the checks again. I did about XXXX out of XXXX without an issue then for the second to last check the number wasn't verifiable so I was told there was nothing I could do. I checked the phone number to see if it was verified with the check writer on a website and it was. So I called back and the new agent was able to make the call to verify check XXXX of XXXX. For the last check, the number was not verifiable since the phone number of the check writer is part of a family plan not under her name. The agent told me that since she also has a Chase account she should be able to call to verify the check however when she did call they told her that was false. It has been more than a month now and I've been calling every week to try and get more information but I keep getting told there is nothing else they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX  XXXX/XXXX, TD BANK USA/TARGET CREDIT and XXXX/XXXX  XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX  XXXX/XXXX, TD BANK USA/TARGET CREDIT and XXXX/XXXX  XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and XXXX  XXXX/XXXX, TD BANK USA/TARGET CREDIT and XXXX/XXXX  XXXX  with no successful resolution. XXXX, XXXX, and XXXX  reporting me having late payments. There was an error on their part. I was never late.
Product: Credit reporting or other personal consumer reports

3 Inquiry appear to me which are discounted and not authorized by me. 

XXXX/XXXX/2025 XX/XX/XXXXXX/XX/scrub>/2025 TD BANK N.A. 

XXXX/XXXX/2025 XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting actXX/XX/XXXX account XXXX, account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

XXXX sold my mortgage to Flagstar Bank as of, apparently, XX/XX/2021. As per XXXX  original letter to me, I paid XXXX  with check in the amount of {$950.00} on XX/XX/2021 which cleared my bank on XX/XX/2021. Flagstar  refuses to give me credit for that pay and insists I owe them money. I had included a copy of the check in my XXXX payment which I made out to Flagstaff  Bank on XX/XX/XXXX in error. After waiting 5 days for the check to show up in my account and assuming since it was made out incorrectly they would not deposit it, I made out a check to Flagstar Bank, along with a copy of my XX/XX/XXXX check to XXXX. As the check to Flagstaff  Bank cleared after a week, I stopped payment on the second check made out correctly to Flagstar Bank. I received a letter from Flagstar on Saturday, XX/XX/2021 stating I was not only in arrears but also this was a legal debt collection. Today, XX/XX/2021 at XXXX XXXX  pacific time I called the number in the letter. After trying to figure out their totally non-informative menu, I finally reached a human being. After informing the person that I was really upset about their non-responsiveness to my inclusion of a cancelled check in my payments and that I felt this was not my problem but XXXX and Flagstars, the person hung up on me. Aside from being terrible customer service, this is not useful in trying to solve issues. Please deal with Flagstar as they obviously have no interest in dealing with a private citizen. Thank you. 
I have naturally put my XXXX, XXXX  payment in the mail today in my usual amount of {$950.00} which includes additional principal.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern upon reviewing my recent credit report, which revealed inappropriate, misleading, inaccurate, and incomplete information. The presence of such information is causing considerable inconvenience and harm to my credit, employment opportunities, and rental prospects.
Product: Credit reporting, credit repair services, or other personal consumer reports

An inquiry on XX/XX/2018, a Miscellaneous Utilities of XXXX XXXX. placed a hard inquiry on my report and knew that they do not service my area. XXXX XXXX stated that they could service my home but once they got here it was null.
Product: Debt collection

I had submitted a written debt dispute letter within 30 days of notification of collection. This collection agency has continued to call multiple times a day and has refused to acknowledge my dispute in any way, and is still attempting to collect the debt without investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX acct that appears on my credit files at experian and XXXX is inaccurate and inconsistent, despite these credit reporting companies claiming they have verified the account as accurate. I have attached my credit reports to this complaint and have highlighted the inaccuracies and inconsistencies. In addition, this account was charged off and reported to the XXXX  as a loss by XXXX XXXX XXXX in which the XXXX deems this account as taxable income on my part. Thus i am due a XXXX so i can file taxes on this income which to date i have not received from XXXX XXXX XXXX XXXX SHALL not be reported to my credit report. Due to experian and XXXX negligence to properly investigate a file before it is placed on my report, this income is incorrectly appearing on my credit file. i have ALSO requested per section XXXX all the information regarding this account from XXXX XXXX XXXX including an original contract with my wet signature, the original amount of the vehicle, and various other financial details of this account as i would be able to compare with my records and to date, i have not received any correspondence from the company. i requested this information via written mail and by signature on receipt mail of which i have attached proof that it was received on XX/XX/2022. it is beyond the allotted XXXX given time that i am to receive a response ; thus this account should have been deleted because the information i requested was not given in the time frame allowed.in addition, this account ended in repossession and by law XXXX XXXX XXXX has the responsibility to provide me with certain documentation about the repossession, auction location, after auction sales bill, the amount the vehicle was sold for and any surplus amount and etc. this is per new jersey state law where the vehicle was repossessed and i NEVER received any of these required documents, hence making this charge off ineligible for collection activity or reporting to my credit files, as a deficiency can not be claimed if these post repossession laws are not followed. This account is an all-around inaccurate account and i request its removal from my files immediately due to neglience on behalf of experian XXXX and XXXX XXXX XXXX XXXX follow XXXX truth in lending, new jersey XXXX XXXX and XXXX regulations rules and laws.
Product: Checking or savings account

My problem is with a new bank policy at Chase Bank that does not allow you to deposit or withdraw funds from the ATM in at least 2 locations in my neighborhood between the hours of XXXX and XXXX. I dont think this is a practice at all their facilities and it's not clear as to why these particular locations were targeted. It's not only inconvenient for those who may need to make a transaction between those hours it also shows a lack of concern for faithful Chase customers in the area. The 2 locations are on the city of XXXX 's westside. One is on XXXX and XXXX and the other is on XXXX and XXXX. I just wanted to voice my concern about this situation.
Product: Credit card

I received a notification that my Best Buy Citicard payment was past due. I was confused as I had not purchased anything on the card for several months and was unaware the card had a balance. Upon review, XXXX XXXX at Best Buy charged me for a membership in XX/XX/XXXX that was cancelled in XX/XX/XXXX. At first, they refused to refund the money but eventually said they would in XXXX business days. As of 7 days, I called back to confirm the refund and their response was it takes up to 10 days. No one can tell me why the estimated timeframe changed and no refund is pending. I am receiving additional emails stating my card will be suspended and upon communicating this to Best BuyXXXX XXXX XXXX XXXX no one cared. I have the receipt of return of the membership from XX/XX/XXXX and they refuse to admit the membership was charged in error.
Product: Other financial service

I'am XXXX i have a problem with westernunion i lost my money order and i called there the store i brought it at XXXX store in XXXX the women who owns the store where they sell money orders called a women from western union direct and told them to put a cancel payment order on the money order hours later i was contacted by email from this executive guy by the name of XXXX he caused so much delay by not giving me proper instructions he first told me to send to him the documents which i did than almost a week later he contacts me again by email and tells me to send by regular mail not paying attention to the documents i sent by email causing a delay all this time the person who took the money order cashed it i understand western unions policy but because of the delay and response times western union should grant me a refund and investagate it and go after the person on there end everytime i send a compliant to western union the same guy responds XXXX XXXX and i blame him for the delay i have attached screen shots where i asked him overand over did he get the documents and he took days to respond also the lady on the phone from western union told me she was going to help me and this exec got on the case and would not than he said the check was cashed on XX/XX/XXXX but i contacted western union before thank bank even opend so thats just a excuse to keep my money i buy a money order for XXXX every month and iam XXXX i asked XXXX can i speak to someone that was over him he would not respond i also got a call from western union today and they was very rude and told me to stop emailing them
Product: Payday loan, title loan, or personal loan

I obtained a loan XX/XX/2018. Fixed rate, fixed term, fixed loan. However, if I pay it off now I still paying the interest for the whole time. I find it interesting how they are able to front load the interest charge and include it in the original loan amount. On their online portal its states : Amount Financed : {$5700.00} However, I didn't receive that much, that is including the finance charges. Then it states my loan was funded for XXXX however it wasn't. The total amount with interest would have been XXXX but I did not receive that much when I obtained that loan. 

I am concerned because it currently states the balance is : XXXX and some change. And when I look at history it shows all payments going to principal and not interest. So if I go and pay off the full amount its including interest that shouldn't even be charged as of yet but is being included. I believe that is against the rules and a practice that has previously been ruled a UDAAP violation. Thank you!
Product: Debt collection

ok, i never heard of this company and never had any dealing with it, so it came to a shock to me to see this company into my credit report i never had any kind of communications from this company and don't know what this company all about, especially that i m very careful about my credit history,
Product: Credit reporting or other personal consumer reports

EQUIFAX. 

I am writing to inform you that I have detected a newly surfaced collection account in my credit history. I am entirely unfamiliar with the subject, holding no responsibilities towards the reported debt charges. It's not clear where these accusations are coming from, I'm asking you nicely to get rid of them right away. 

Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX Accurate recording and retrieval of financial transactions are crucial for building trust among stakeholders. Making sure everything works smoothly together boosts credibility, making the credit system run well and fair. 

Thank you for looking into this quickly and hope to hear back soon from your organization with positive results. 

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

I have a credit card with XXXX XXXX XXXX and the status of that account is reported to Experian, XXXX, and XXXX. The 3 CRAs supply that information to XXXX, which uses it to calculate a Credit-based insurance score for my insurance company ( XXXX ) XXXX In the course of investigating the use of credit based insurance scores I received a credit report from Experian that states that my account is current ( paid as agreed ), but the report also says that I have always paid " {$0.00} '', EVERY MONTH during the life of the account. Since I do not know what XXXX does with this information, I have asked XXXX XXXX XXXXXXXX to verify that it is providing the correct data to Experian, and they have told me that they do send the correct information to Experian. Several times over the past year I have asked Experian to correct these amounts that are being reported, and they say that they are reporting the information correctly. They claim that there is no error on the credit report. I have sent Experian copies of my credit card statements for the past year, showing the amounts paid, and they continue to insist ( as recently as today ) that the " {$0.00} '' that they report as paid every month, is correct. About a year ago I talked to a representative of Experian who looked at the data that tExperian holds and that XXXX provides, and she told me that it is being reported correctly by XXXX, but she did not know why Experian was reporting " {$0.00} '' paid on my credit report. My complain is that Experian is not willing to correct this number, but just insists that it is correct. I can provide the documentation to prove this allegation. I have provided more details to the CFPB in a letter dated XX/XX/year> about the Credit-based Insurance Scores , and the data errors associated with them, that I sent to the CFPB last week, by postal mail. You can find additional information in that letter. I request that the CFPB insist that Experian explain why they continue to report " {$0.00} '' paid on my credit card account, when that is not correct.
Product: Prepaid card

I received a gift card for {$200.00} as a gift. The card was given to me in an unopened, original package. I tried to use the debit card at a retailer and was denied. I then went to their website to register the card at XXXX. I was not allowed to register the new card since I was told it was already registered to someone else. 
I contacted the customer service department and they told me to fax evidence of ownership including pictures of my ID and both sides of the card. I also included my contact information in the event they needed to reach out to me. The customer service department asked for this information to establish ownership. The first fax was sent of XX/XX/23. I called a few days later and they told me the fax was too blurry and to send another which I did on XXXX. I called again today and was told my new fax was too blurry as well. ( Today is the XXXX of XXXX. ) I have never received any information without initiating calls on my end. It is apparent to me that prepaidgiftbalance.com has no intention of replacing or activating this card. Instead, their intention is to wear me out so they can keep the {$200.00}.
Product: Vehicle loan or lease

I'm the first time car buyer. When I have bought a vehicle through the dealer, I was not aware of some terms. Now I find out that I was as cheated on the loan with Santander consumer usa. Also there is no change in the loan amount at all on my credit report. I'm making payments since XX/XX/2015..
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE. 

I HAVE SENT DISPUTE LETTERS ON XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUTES UNDER THE FCRA.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a resbonsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/2023 XX/XX/2023. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried to clear the problems but they could do it even i filed bankruptcy more than two years and the amount incorrect i like to get of from my credit report
Product: Debt collection

SOUTHERN OREGON CREDIT SERVICE repeatedly called me refusing to identity who they were or what the call was regarding. They attempted to collect information from me without first identifying themselves.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Dispute of Debt Collection by Philip and Cohen Associates LtdXXXX Due to Identity Theft To Whom It May Concern, I am writing to file a formal complaint against Philip and Cohen Associates Ltd. XXXX who has been attempting to collect a debt allegedly owed to XXXXXXXX XXXX XXXX XXXX XXXX I believe this collection attempt is the result of identity theft, and I am a victim in this matter. 

I have never opened or authorized the opening of any XXXX XXXX account with XXXX XXXX XXXXXXXX XXXX nor have I engaged in any financial transactions that would warrant such a debt. The first notice of this supposed debt came from Philip and Cohen Associates Ltd., who insist that I am liable for the outstanding amount. 

Upon receiving their collection notices, I took immediate steps to investigate this issue. My findings strongly indicate that my personal information has been misused without my consent to open this fraudulent account. Despite my efforts to resolve this misunderstanding by communicating the situation to Philip and Cohen Associates Ltd., they continue their attempts to collect. 

Enclosed with this letter, you will find a copy of my FTC Identity Theft Report, which provides further evidence supporting my claim of identity theft. I am seeking the assistance of the Consumer Financial Protection Bureau to investigate this matter and to aid in the removal of this fraudulent claim from my financial records. 

Thank you for your attention to this serious matter. I trust that the Consumer Financial Protection Bureau will offer the necessary guidance and action to rectify this situation. I am available at your convenience to provide further details or documentation as required. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removal of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX SQ XXXX, VA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$120.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I've had 6 checking/debit accounts and 2 XXXX XXXX accounts opened in my name to include 3 debit cards sent to my home over the last few months. 

Called banks and reported as fraud : XXXX XXXX Savings opened mid XX/XX/2022 closed XX/XX/2022 -XXXX  XXXX Checking opened mid XX/XX/2022 closed XX/XX/2022 -XXXX  XXXX Checking opened in late XXXX or early XX/XX/2022 closed late XXXX XXXX Debit opened not sure when opened but closed XX/XX/2022 -Discover Card Debit account not sure when opened closed closed XX/XX/2022 -Discover Card Debit account not sure when this one was opened either, closed XX/XX/2022 -XXXX XXXX XXXXXXXX Debit account opened late XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX  accounts opened this year both closed XX/XX/2022
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I initiated a withdrawal from coinbase to XXXX  ( XXXXXXXX XXXX XXXX ) it the amount of {$67000.00}. Coinbase email said it would be available by the XXXX. 
This money is still not in my account in XXXX  yet is gone from my coinbase account. 

I began by contacting XXXX XXXX XXXX they requested that I provide the ACH trace ID in order for them to conduct an investigation. I have contacted coinbase over 10 times in the last few days via phone and email asking them to look into it but they refuse to give me the ach trace id and instead have given me the run around.
Product: Checking or savings account

My Venmo account was compromised and money was being spent so I changed my password, email and requested an new Venmo card. The person I talked to over the phone went and disputed the charges I didn't authorize and sent an card on it way, I wasnt told Id be locked outside my account but I was I received an email telling me my account was frozen then suspended, stating Ive broken the user agreement when I went through the user agreement I found nothing I did was wrong. So I verified my identity for them to tell me my account has been permanently suspended for no reason. I tried to contact the person who said this but couldnt reach them so I called Venmo support to try and figure out whats wrong and they told me the XXXX put my account/funds on an 180 day hold.