23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

The bank I am filing a complaint against is Chase Bank. 

I opened a checking account in early XXXX to setup and capitalize on a promo they had with new checking accounts. All of a sudden ALL my accounts were locked and I was unable to access any of them. I call to find out what happened and they told me it was flagged for fraud and they closed my checking account. I was fine with that, I can open one in person if I needed to. THE ISSUE is I can not access ANY of my accounts anymore cause of the fraud lock. I have called them MULTIPLE times over the last couple weeks and get transferred around multiple times waiting on hold for over 45 minutes each time. XXXX XXXX XXXX  XXXX. They need to hire more people or have other options of fixing this & at least tell me how. I've wasted countless hours on hold for these idiots till my cell phone dies or I just have to go cause I have a family to attend to. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My name is XXXX XXXX, and I had a car insurance policy with XXXX XXXX XXXX  back in XX/XX/year> ( policy # XXXX ). The policy was scheduled to run until XX/XX/year>, but was cancelled early. 

XXXX then put a collections on my credit report for the full amount of XXXX . I believe I should only be charged XXXXXXXX XXXX for the cancellation of the policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX XXXX. I am reaching out today to have the following negative items removed from my credit report. The Items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent charges are showing negative results on my credit report. I reported the theft of my identity to the federal trade commission and I also attached copies of the federal trade commissions identity theft affidavit. please remove these items as soon as possible.
Product: Money transfers

Someone called my XXXX grandmother ( XXXX years old ) on the phone pretending to be me needing help with money to get bailed out of jail in XXXX and XXXX. This was clearly not true ( I 've never even been to XXXX and XXXX ) but she was scammed into sending {$5800.00} through MoneyGram at Wal-Mart through multiple transfers. The person on the phone convinced her that they were me and told her not to tell anyone else. She was frightened and complied. After finding out what happened, I collected all receipts from her and would like to do something about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX placed a collection on my XXXX XXXX credit report and Transunion credit report on XXXX XXXX, 2015 stating that I owe a balance of {$2300.00} I never signed a contract with this company to agree to pay any debit 's owed. Therefor I am not responsible for any debits owed to this company
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 at XXXX, I received two emails from Bank of America : one advising that they received my credit card application for a XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The second email advising that I had enrolled in the Online and Mobile Banking platform. I also received an email from XXXX XXXX, which monitors my credit, that there was a new inquiry on my credit file. 

I did NOT apply for this credit card and I did NOT enroll in the mobile banking platform. This was clearly fraud. I called Bank of America and advised them that I did not, in fact, apply for this card and reported it as fraud. They noted the fraud and stopped the application process. Once they successfully assisted me in stopping the fraudulent application, they also advised me to contact the XXXX credit bureaus and report the hard inquiry on my credit report. 

I created accounts on XXXX, XXXX, and XXXX and froze each of those files. I just spoke to a representative at XXXX who opened an investigation in an attempt to remove the hard enquiry from my credit report. The representative also advised me to lodge a complaint to the CFPB, so that is what I am doing. The representative advised me to upload a copy of this complaint to XXXX, which I plan to do as soon as I finish this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filled a dispute with XXXX  who stated it will remain on my credit even though it is 10 years old and also has wrong loan amount, wrong payment history and wrong highest balance. They refuse to remove the account as it has inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my recent credit report, I notice several addresses that I'm not familiar with. I have no recollection of residing at any of the addresses provided below. This is actually my third attempt at trying to remove these addresses from my credit report.XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX
Product: Credit card or prepaid card

I communicated to Citibank that a charge to our account appeared on our statement, and that the charge was not authorized by anyone authorized to use the card. The date of the charge was XX/XX/2022, the amount was {$99.00}, and the Merchant/Description was XXXX XXXX NJ. 
I received a letter via XXXX Mail from Citibank, dated XX/XX/2022, thanking me for notifying them of the unauthorized transaction and advising that they would notify me if they needed additional information. 
I next received communication from Citibank on XX/XX/2022 via email. It stated that Citibank had received information from the merchant and needed me to confirm whether or not this transaction was authorized. A copy of the merchant 's response was included as a XXXX page pdf file. 

I responded to XXXX with a pdf of a signed copy of an affirmation that " Neither I, nor anyone authorized by me, made this charge or received any benefit. '' My email included the following statement ; " Please find attached a copy of my signed statement regarding our $ XXXX with Healthreliefproducts XXXX NJ. 
We did not purchase any product ( s ) from this company, nor did we receive any. 
The company in question did not provide information regarding shipping or delivery. 
There is no evidence that this was an authorized purchase or an authorized use of our credit card. '' I next received communication from Citibank on XX/XX/2022 indicating that I had a message in my Statements and Documents folder regarding my billing dispute. I was surprised to read that Citibank had issued a letter dated XX/XX/2022 as follows. 

This letter concerns the transaction described below made with card number XXXX : Date Amount Description XX/XX/2022 {$99.00} XXXX XXXXXXXX NJ We have completed our investigation and found you are responsible for the above referenced transaction. Your account will be rebilled based on the following : The merchant provided documentation confirming this is a valid charge. 
We have enclosed a copy This communication included the same 9 page file submitted by the merchant. The 9 pages from the merchant contained no evidence of what items may have been ordered, no type of billing statement or receipt, no information of mode of transportation of goods or delivery date. 

In summary, this was not an authorized transaction and the merchant does not present any evidence of any delivery of any products being made. I believe that Citibank has failed to properly investigate this matter and has incorrectly determined that I am liable for the disputed charges.
Product: Credit reporting or other personal consumer reports

Requested original signature on invoice, serveral times, from 1. XXXX XXXX  XXXX, reported XXXX {$1900.00}, and 2. Zion Debt Holdings, reported XXXX {$1900.00}. To see if this debt was my debt. Who will pay a bill without a receipt or invoice have not received anything at this time. 
When I reach out to them conversation start out good then when I asked for documents with my signature and date the become aggressive and anger. Telling me I need to pay this amount I disputed this with XXXX, XX/XX/, my dispute was denied each collections. These account are ( old. ) I asked XXXX why was my dispute was denied they said the collections agency said the debt was my debt, I asked did they send original documents of any kind, XXXX said NO!, they never request and documents from a collection agency These collections agencies and credit bureau are not verifying just reporting info This info is not on my XXXX credit report XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/2019 I been trying To resolve this matter for sometime now with your agency and with the cooperation of the debt collector that you allow to report an accurate information on my credit report with out my Permissible purpose its been well over 6 months now thats your allowing this dept collector to report inaccurate fraudulent information without proper verification I been a victim of identity theft and have proven it time after time and you still choose to report fraudulent inaccurate information on my credit report without my permission This collection found within my credit report are not related to any transaction that I made. I also submitted a complaint with the XXXX and FTC and also filed a Civil lawsuit
Product: Student loan

My student loan payments were not dispersed correctly and I was not given a reasonable monthly payment.
Product: Credit reporting or other personal consumer reports

My personal information and credit report, which involves violations of multiple provisions of the United States Code specifically, 15 USC 1681b, 15 USC 1681a, 15 USC 6801, 15 USC 6802, and the GLB Act. I am also referencing the potential penalties outlined in 15 USC 1681n. It has come to my attention that my credit report contains transactions and experiences that not only are NOT allowed in the report, but that were submitted without my written authorization.
Product: Credit reporting or other personal consumer reports

Do you believe your company owns the promissory note and have the right to enforce payment from the borrower? 
And does a XXXX note actually have cash value meaning in a regular course of the business day it could be sold for {$250000.00}? 
So how much does the bank have to loan now to legally on the promissory note? 
And to your belief if the borrower signs the promissory note and the bank refuse to give the borrower actual cash value would the bank or the borrower owe the promissory note? 
Do you think the borrower agreed to provide the bank with {$250000.00} actual cash value that was then used for the {$250000.00} bank loan check back to the same borrower and then agreed to pay the bank back plus interest? 
So do the bank legally on the promissory note and legally make the borrower pay back interest and principal payments? 
Is it Bank policy that when a bank received a {$250000.00} loan the bank receives actual cash value and this check is received and returned back to the borrower is this policy? 
Can you show me in our contract that I gave you permission to receive {$250000.00} actual cash value from the borrower in the note to fund the {$250000.00} back which obligations me and return to pay back the bank {$250000.00} plus interest? 
So if the borrower provided the bank with {$250000.00} actual cash value in the note which the bank used to fund the {$250000.00} check and return the check back to the alleged borrower to a bank loan in your opinion did the bank loan the alleged borrower {$250000.00}? 

SO IS THIS AN EXCHANGE ARE SWAPPED FOR? XXXX 18 U.S.C 8 12 U.S.C 1431 15 U.S.C.1601
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit monitoring with XXXX which was taken over by experian. I wanted to cancel my membership, logged into my account, found the phone number they said to call and called. After requesting a full social security number, which I find suspect, they run you through a number of prompts before saying you don't have an account. There is absolutely no option to talk to a live person and it is impossible to cancel. Thousands of other people have had this exact problem with experian. I have called 4 different numbers for experian and every one of them makes it impossible to actually cancel a reoccuring payment for this service.
Product: Credit reporting or other personal consumer reports

I filed a dispute on account starting with XXXX, XXXX XXXX XXXX, and several other accounts from different agencies due to account verification that is not mine. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company Experian. 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information from all my disputes. I'm requesting this derogatory remarks and accounts be removed or corrected immediately as it's affecting me. Experian violates my rights as a consumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in 2021, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX : XX/XX/2021 XXXX : XX/XX/2021 XXXX : XX/XX/ XXXX XXXX XXXX XXXX XX/XX/2021 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 hand written instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit card or prepaid card

My Premier card XXXX was charged a {$95.00} annual fee on XX/XX/XXXX. This card was closed XX/XX/XXXX, I am owed a refund of the annual fee - no refund had been credited to my account.
Product: Checking or savings account

I opened a chase bank account. I pay for overdraft fee and usually keep my balance above limit. I had XXXX over drafts paid for at XXXX cents. CHase closed my account. I called Chase to ask why my account was closed. They said it was overdraft and closed I couldn't open an account with Chase again. I asked why what did I do and they said they would send a letter. Chase has not answered my question.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX  XXXX XXXX  - Date of Inquiry XX/XX/XXXX XXXX
Product: Mortgage

I later learned my realtor who is a friend to the loan officer initiated the entire process. My realtor brought in the loan officer and she also brought in the contractor whom I later learned was her uncle. In my agreement with the contractor the homeowner/contractor agreement the contractor agreed that he would secure and pay for building permits and/or other permits fees inspections and licenses necessary for the completion of the work stipulated in contract. After closing it had been bought to my attention that tenants residing in XXXX XXXX refused to leave or meet to discuss anything with me as a new owner. I was later advised they had refused to move based on promises made with previous owner/seller of property and FHA rehabilitation loan in contract notes property to be vacant at time of rehabilitation. I was unable to remove tenants then covid began during I paid XXXX out of pocket to assist in them moving. The contractoXXXX who had been referred by XXXX XXXX agent XXXX XXXX XXXX and Loan Officers XXXX XXXX ( from the XXXX XXXX of Guild Mortgage ) began demo of the vacant front unit when I requested him to provide plan and permits which per REHABILITATION LOAN PERMIT CERTIFICATION which states '' work may not begin until permits are issued '' I had to fire him from my project for refusing to secure documents and procedures as stipulated for the XXXX loan. During each and every step I have continued to pay on time my mortgage and advise Guild Mortgage of obstacles. I later hired a company Plans and XXXX XXXX who took over the task in applying for and getting plans for both addresses XXXX and XXXX XXXX the city did not allow after reviewing the application the CPIO ( community plan implementation overlay district ) is unable to approve 100 % residential occupancy in that zone. Later having Plans completed and showing front property to be commercial I reached out to Land Gorilla ( 3rd party hired to supervise and release funds for project ) I was advised time has expired and they are unable to fund. I've had emails with XXXX XXXX from Guild Mortgage who states time frame is over and that scope of work has changed in regards to ( conversion to 100 % resident dwelling ) I have email threads dating XX/XX/2019 on this being a problem and apparently not resolved between Loan officerYvette XXXX and XXXX agent XXXX XXXX ( prior to closing ) Ive inquired of next step with unused loan ( XXXX ) that I've been paying faithfully will it be added to principle as outlined on contract for loan or will I finally be able to use the funds to complete my project in order to live in my property. Calls and emails have been ignored by Guild Mortgage. Please help. I need to know why GUILD MORTGAGE is not answering request to know what will become of unused rehabilitation loan for property purchased XX/XX/2019.
Product: Debt collection

Once again, XXXX XXXX XXXX has failed to send me the paperwork required by Colorado state law. They garnished my bank account on Monday, XX/XX/XXXX. By Saturday, XX/XX/XXXX - MORE THAN A MONTH LATER - they still had not sent the proper notification and exemption form so that I could fight it in court. Now the deadline has passed.
Product: Credit card

I had a citibank credit card for years while I was married. I was divorced at the end of XXXX, the divorce decree gave all of the marriage debt to be. I called citbank on numerous occasions to work out some payment plan but they refused. I contacted XXXX and they worked out a payment plan with Citibank that I am paying. Citibank however continues to report me as chargeoff and delinquent even though I am paying as agreed a reduced payment / settlement. In addition they also continue to report an in accurate home address for me. I ask only that they report my correct address and that they report me as paying a settlement as agreed. They say they will not change a thing until my debt is paid in full in XXXX, so they are continuing to damage my credit even though we have reached a settlement and I am paying as agreed.
Product: Debt collection

I hav a collection on my account from a Collection Agency attempting to collect on a debt collection hat is not owed. 

They claim to be collecting for a company called XXXX XXXX XXXX XXXX who was closed due to fraud. The company was closed and was never able to provide consumers with titles so that customers could get permanent tags. 

The car was NEVER repossessed. I'm not sure who this collection agency is but I know they can not validate this debt and I'm sure they do not own the debt. This company is illegally trying to collect on a debt they clearly do NOT own. They can not validate the debt or show proof of ownership according to the FDCRA. This is illegal and fraud!!
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX  Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX