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

Date : XX/XX/2023 Amounts : {$1200.00} Issues : Opened an online checking account with Chase Bank. Deposit my first check ( it was refund of security deposit from rental property ) and the account is restricted due to bank employee unable to verify the check so they cant release the fund. 

Actions : Its been a year, I called chase bank more than thirty times trying to resolve the issues. I went to the bank directly with all the letter and papers proof, still did not work out because they cant reach out to the maker of the check through the phone number thats on the check. I called the maker ( company ) on my own and get their phone number because they told me that they working home not in the office ( its a different number that is not printed on the check ) so they barely pickup the phone number or have to leave a voice mail to call back ( thats how I get their personal phone number ). I even get them connected with the bank employee but the bank employee say the only way to verify the check has to be through the phone number thats on the check, which means they will not release the fund until the check get verified with the maker through the phone number thats on the check.
Product: Credit card

I was charged by XXXX, XXXX in the amount of {$700.00} for laser hair removal. XXXX, the specialist, charged me for a future service that was not rendered to me. I traveled overseas and XXXX was aware of this. Upon my return I learned that the business had shut down and so my laser sessions were never honored. I am now responsible for a charge by the credit card company CareCredit, even though I provided evidence that the business shut down without rendering the services to me. I have been unable to reach XXXX and am now responsible for charges and interests associated with this transaction. I feel that it is unfair to be charged for a service that was never rendered to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Without written permission from me the following companies pull mine credit reports and place hard inquiries on my 3-reporting credit bureau accounts . 
US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX EXPERIAN XXXX XXXX  Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX All Banks - nonspecific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Complainant ( Consumer ) alleges inaccuracies and material misrepresentations in credit reporting by Experian for the XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX with corresponding account number XXXX. Despite multiple disputes and clear evidence of inaccuracies, Experian has consistently failed to correct the information, resulting in significant harm to Consumers creditworthiness and financial stability. 

Experian has exhibited a consistent pattern of willful noncompliance with the Fair Credit Reporting Act ( FCRA ). Despite receiving multiple dispute notifications and clear evidence of misleading information reported, Experian has repeatedly failed to conduct proper ( re ) investigations as required under 15 U.S.C. 1681i. Furthermore, Experian has failed to implement and maintain processes and procedures to ensure maximum possible accuracy in the credit files it maintains regarding Consumer, as required under 15 U.S.C. 1681e ( b ). Experian has also failed to correct or delete information it could neither verify nor correct for the XXXX XXXX ( XXXX ) account/tradeline, in violation of 15 U.S.C. 1681i ( a ) ( 5 ). 

Between XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, Experian received several detailed dispute notices from Consumer apprising Experian that the collection account needed to be removed due to both FCRA and FDCPA violations. After conducting an investigation and multiple reinvestigations, Experian has persisted in reporting the false, misleading, inaccurate information in the files Experian maintains regarding Consumer. Most alarming is that on XXXX XX/XX/XXXX, the Collection agency noted it would " begin its investigation shortly, '' yet Experian purports to have finished its initial investigation and reinvestigations. 

Under 15 U.S.C. 1692g ( b ) of the FDCPA, when a Collection agency receives a dispute notice from a Consumer regarding the alleged debt, the Collection agency is required to cease all collection efforts UNTIL the debt can be verified and validated. Thus, as the alleged collection item has neither been verified nor validated by the Collections agency, and Consumer has filed a direct dispute to which the collections agency has responded stating it will " begin its investigation shortly, '' it is unlawful under the FCRA and FDCPA to report the collection item in credit files Experian maintains regarding Consumer. The information is misleading in such a way and to such an extent that it [ could have been ], expected to have an adverse effect [ on the consumer ] ( Twumasi-Ankrah v. Checkr , Inc. , 954 F.3d 938, 948 ( 6th Cir. 2020 ) ). Consequently, Consumer 's credit score dropped by fifty ( XXXX ) points because the Collection item was added to the report.
Product: Student loan

I am following up on the Public Service Loan Forgiveness program. In a conversation on XX/XX/XXXX with the Federal loan program ( Direct Loans ), I had inquired about the PSLF. I was advised to make the 120 qualified payments with an eligible employer and to enroll in either the standard payment plan or income-contingent repayment plan. When I submitted my form last year after making 120 payments, my application was denied stating that I was enrolled in an incorrect repayment plan. I made many decisions based on the PSLF, as I completed my graduate studies in XX/XX/XXXX, when the program was first being rolled out and regulations were still being set. I believed I was following rules and would periodically check federalstudentaid.ed.gov to ensure I was on the right path. Being told last Fall that I was not eligible because I was not enrolled in the correct repayment plan was devastating. Is there any recourse for me?
Product: Mortgage

XXXX  XXXX  LN XXXX  CHASE BANK XXXX XXXX XXXX XXXX  XXXX, CO XXXX  MY LOAN OPENED ONXX/XX/XXXX WASHINGTOM MUTUAL BANK I HAD PLACED 10 PERCENT DOWN TO QUALIFY WITH P.M.I. TOTAL $XXXX AFTER 2 YEARS BY XXXX MY HOME VALUE HAD EXCEEDED 20 PERCENT EQUITY WHICH QUALIFIED BY FEDERAL LAW THE REMOVAL OF THE P.M.I. XXXX X 12 MONTHS= XXXX X 13 MONTHS FROM XXXX TO XXXX XXXX XXXX IS OWED TO ME. CHASE BANK IN OVER 13 YEARS REFUSED TO DELETE MY P.M.I. I NEED HELP TO RECIEVE A FULL CREDIT REFUND OF WHAT IS OWED TO ME. 
RESPECTFULLY, XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Im not able to get my free online credit report from TransUnion on Annual Credit Report website. The message on the website says the following : We're unable to complete your request online. TransUnion customer service refused to give me an access to my online credit report. They said parasitic TransUnion XXXX office blocked me and dont allow me to get my crefit report online. I called TransUnion many times and the customer service said they are not able to fix the problem. The agent told me that TransUnion deactivated my account because Im from XXXX. This is unacceptable service, harassment and discrimination.
Product: Money transfer, virtual currency, or money service

PayPal informed me my account was permanently banned for violating terms of service, but refused to tell me what i did wrong. All i use PayPal for is paying friends/family for nights out for dinner. My fianc would send me some money monthly to for our wedding. PayPal tells me i have to file a subpoena to find out why they banned me - which costs money for me to do! This is ridiculous - Im not a high volume customer ... its {$50.00} here and there, and my fianc would send me a couple XXXX. Im not a seller - i dont use it for business - its for personal use. 

Because they banned me, i cant even unlink my checking account or credit card from their system - which means PayPal has my banking info and credit card info ... I am not allowed to use their services, yet my personal banking info is at risk in their system in case theres data stolen. I cant get my info out of their system. 

All I want to know is why they banned me - it was obviously some kind of mistake ... I want to be able to use their services, since its used all over the place. And if PayPal will refuse, then let me remove my banking info and credit card info and putting my info at risk when i cant use their product.
Product: Credit card

On XXXX XX/XX/2024 I received a text msg from Chase asking if I made a charge in the amount of {$760.00} at an XXXX XXXX in XXXX. I texted no. Then I called Chase to identify erroneous charges made in California. Subsequently I was sent the next day a regular Chase XXXX XXXX. I applied and was approved for a XXXX XXXX XXXX card with a 5 % cash back with XXXX XXXX XXXX XXXX 

The CC I got in the mail and subsequently added to XXXX, did not give any rewards on XXXX as usual. When I called to ask about this issue I was NEVER given the same answer twice. I was told I did have THE prime card. So I looked it up. If its a prime card it will say so. 

When I was told that there was a product change on XXXX XXXX, MY QUESTIONS were who did this change and how. I was told the change occurred thru the internet and also told the person that stole my identity actually called in. Regardless, I advised Chase my info was taken ( birth cert annd SSN ) and I did not call in on XXXX to request ANY change. 

I then subsequently attempted to reinstate my originally issued CC for the terms I have accepted. 
On XXXX XXXX I called Chase XXXX XXXX during these times. XXXX, XXXX ( supervisor ) XXXX, ( supervisor ) XXXX, XXXX XXXX, XXXX, XXXX and finally XXXX to file a complaint they would not take. 
I also reported to Chase that Im a disabled combat veteran and that THIS entire situation has been triggering. 

While on hold I applied for the Chase XXXX rewards card. The response that came back was XXXX, you already have a prime card It was obvious to me that if I could not get a resolution in 6 days, XXXX telling me they DO NOT CONTACT CHASE TO REPORT PRIME STATUS, when this is EXACTLY what XXXX Chase supervisors said to me. So I walked into a Chase branch and described the issue. The manager agreed that the customer should not be penalized for identity theft. Which is exactly what occurred. I subsequently closed the account I never authorized, XXXX XXXX card. I also withdrew my XXXX XXXXXXXX CD taking the penalty because Chase is not a company I want to do business with. 

This seems to be a classic bait and switch. 
Offer one CC and be approved then get sent a totally different CC with less benefits. 

Why is Chase punishing their customer for having their identity stolen?
Product: Mortgage

Iv been trying to get caliber home loans to get my property taxes paid since XXXX. Iv contacted them every week since and they keep claiming they have been trying to contact the tax department for my parish. But I have no issues getting ahold to them. I pay a specific amount monthly to my escrow to cover my property taxes. If its not paid by XX/XX/2021 my property will go to the tax sale
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

5 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number XXXX XXXX Delete this account. 
15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send a personal verification letter with I.D, SSN and Bill Statement they didnt update my personal info i still see the addresses and names plus they add my employer to file. 

I send a ID theft report letter and ( 605b ) with a FTC report switch just updated my report and see its still addresses, one account that didnt get remove i called CRA 's and they said that the account was verified dont know how if it was identity theft.
Product: Credit card

Cash app number XXXX I trying to call lady she pick up Ill be reported why u open my account without my Authorization Than asking me money and take my money without authorization Ill be reported my bank and stop my account but I call today as above number she hang my number I need to fix my issues this company use my name and my social without my permission privacy and fraud apply her number as above and name cash app is new generated in XXXX as fraud web to catch people name and take money
Product: Credit card or prepaid card

I XXXX XXXX entered into a consumer credit transaction with SKOPOS FINANCIAL LLC on XX/XX/2019. I used my credit card as defined under 15 usc 1602 ( I ) and there was a finance charge involved as defined under15 usc 1605. SKOPOS FINANCIAL LLC then took my credit and got a loan and began to violate 15 usc 1692e because they falsely represent the status of a debt. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : 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 XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

This is my 20th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

On XX/XX/XXXX and XX/XX/XXXX I purchased XXXX gift cards each {$750.00} from American Express using my Amex card ending in XXXX. Amex states that these gift cards can be used online and in the stores. However, the cards are always declined, including merchants, such as XXXX and XXXX and can not be used. I contacted Amex support but they said to call the gift card support line. I called them and they said that the cards can be used online without restrictions. They did not give a response why I can not use these cards online. I searched online and saw that this is a systematic issue with the Amex gift cards as discussed on XXXX in this thread : XXXX XXXX XXXXXXXX I attach the file with each of the gift cards and the transactions screenshots from the Amex credit card used to purchase the gift cards.
Product: Credit card

Every time I pay a large payment they lower my credit limit. My credit is now over XXXX points higher than it was when I got the card XXXX years ago with a {$1000.00} limit. It's now {$100.00} and I have never missed or been late on any payments. 
When I called XXXX they said to call XXXX they make the decision. 
They site my balances are too high and I have a less than a 9 % utilization rate. They also said lack of mortgage however it says my credit mix is " exceptional " on my report.
Product: Credit reporting or other personal consumer reports

EQUIFAX HAS BEEN ILLEGALLY REPORTING OPENED CREDIT CARDS WITH VERIFYING INFORMATION OR MY CONSENT UNDER MY NAME THEY HAVE NOT SENT ME ANY REQUESTED DOCUMENTATION ON WHAT THEY INVESTIGATED OR HOW
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/ and it was closed immediately. I submitted a complaint again last XXXX XXXX XXXX and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

So there Is somebodys bail bonds debt from XXXX not mine and they keep putting it on my credit threw various corporation and the credit bureaus are letting them do it it was put on the credit bureaus in XX/XX/XXXX and now here we are in XXXX same debt reported from a XXXX account the company is absolute bail bonds XXXX. XXXX XXXX XXXX ca XXXX and also XXXX XXXX XXXX. XXXX XXXX XXXX as California law states under section 337 of California code of civil procedure written contracts have a four year statue of limitation plaintiff must sue the defendant within four years of the alleged breach of contract ... ..also account isnt mine nor has it ever been Ive told them this it was identity theft someone stole my identity and also used it the amount of debt was {$5500.00} and is now at {$7800.00} and account number is XXXX they are committing a serious offense and equifax and experian are letting this happen the debtor is XXXX XXXX which was also reported to my credit
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a secured installment loan opened at XXXX XXXX XXXX under the account number XXXX, a secured installment loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$930.00} that appears related to the aforementioned account opened at XXXX XXXX XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts and collections. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is not my account. this is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.