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

My Chase debit card account was closed directly without my notification or knowledge, and I still have about XXXX dollars in my debit and credit accounts. After I called and asked about it at that time, the customer service did not explain the reason to me, but just said that they would mail me a letter about the reason and send me a check for the money that was in the account after they finished their review. I was very confused and felt aggrieved that this was being done to me when I had done nothing, but I was willing to respect Chase and trust that I would be dealt with fairly. After a month of waiting for Chase to process my case, I still have not gotten any results or even my deposit returned to me. After calling several times to inquire and making inquiries at the branch, I still have not received an accurate answer, and it has even turned out that I may not be able to get back the money that belongs to me and that I deposited in my account for myself. First of all, I think this whole thing is outrageous and unfair. Chase locked my account and did not even return my deposit to me without any notice or reminder when I was just making normal deposits and withdrawals. Secondly, I have requested several times if the investigation can be expedited and if my normal deposit can be returned to me first, because I need to re-rent my apartment at the end of XXXX, and the money I have in my original Chase account is the money I use to rent my apartment, and I don't have any extra free money to use to pay the rent, and if Chase can't return my money before the end of XXXX, or even doesn't want to return it to me, I have no way to pay rent, which means no way to have a residence. Their behavior has very seriously impacted my life and has left me without even the most basic means of living. I don't want to believe that Chase would engage in this kind of robbery, but I have a clear conscience that I didn't do anything illegal with my money, so why should I be subjected to this kind of unwarranted suffering? I would like to believe that there is suspicion and vigilance on their side, but I believe that I have not done anything bad myself and that all my previous financial records prove my integrity, then I am not willing to suffer such suspicion or even take my own money for nothing to the point where it has now affected my basic life. Please at least give me a clear reply and return my own money to me instead of being vague and delaying it to the point where I can't even maintain my normal accommodation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, Experian, XXXX and XXXX, had violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

According to XXXX XXXX XXXX XXXX section XXXX A, It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter, states I have the right to privacy. 

These addresses does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX THIS IS NOT AN EMPLOYER THAT IM EMPLOYED AT XXXX XXXX
Product: Credit reporting or other personal consumer reports

Company was previously contacted under 2 separate CFPB reports. Company is again reporting inaccurate information. Payment due date was XX/XX/XXXX, payment was linked XX/XX/XXXX and taken by company XX/XX/XXXX. Their action continues to effect my credit score and not allowing me to establish and build my credit accurately. 

last CFPB reports XXXX XXXX
Product: Credit card

I have reached out to the company and the debt collectors to inform them that there are many fraudulent accounts that have been placed into my credit report. I have contacted the identity theft. Gov and got a notarized letter to send off to the agencies. My information was involved in a data breach which as a result have caused some horrible issues and concerns. I have tried contacting the for several months with no resolution
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this complaint against Equifax/Transunion for failing to properly investigate and remove inaccurate information from my credit report, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I disputed the following accounts as inaccurate, unverifiable, and/or not belonging to me : Disputed Accounts : Creditors Name : 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 XXXXXXXX These account does not belong to me/ is inaccurate/ has no supporting documentation. 

Credit bureau failed to properly verify the validity of this account. 
I formally disputed these accounts on XX/XX/25, and the credit bureau responded by merely adding a remark instead of deleting the account as required by law. They failed to provide documentation proving the validity of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

SUMMARY : 1 ) XXXX XXXX XXXX XXXX continues to ignore and report accurate reporting on my credit files at XXXX, Equifax and XXXX. Over 45 days have passed since they have received the insurance check and the balance was mostly paid off. 

2 ) XXXX XXXX XXXX XXXX Refuses to acknowledge there was a payment arrangement made in XX/XX/XXXX causing them to refuse to acknowledge this information to a gap lender, who said they reopen the investigation from the crash and potentially pay off the gap or {$900.00} and some dollars needed. 

CAUSES : 1 ) in early XX/XX/XXXX, a payment arrangement was made with XXXX to catch up the missed payments 2 ) on XX/XX/XXXX, the vehicle was in an accident and was totalled 3 )  XX/XX/XXXX, XXXX XXXX pays XXXX over {$16000.00} towards the {$17000.00} balance. 
4 ) In later XX/XX/XXXX, the Gap insurance company closes the file with no payment a ) I called to argue with them and was told I could get a partial refund on the premiums b ) I was informed they closed the case because XXXX informed them there was no arrangements made on the late payments. ( AUDIO RECORDINGS EXIST. I was also informed that if XXXX would acknowledge to the GAP insurance company that an arrangement was made, they would reopen the file and potentially pay the " GAP '' 5 ) XXXX  total loss department was called again and XXXX argued that no such arrangement was made and he refused to look into it. 
6 ) XXXX  total loss department call involves XXXX. She acknowledge that a call was placed in early XX/XX/XXXX with the collections department, but couldn't confirm what the conversation was about. 
7 ) XXXX more conversations were held with XXXX about the Credit reflecting that the balance reporting still shows $ XXXX+. I demanded to have XXXX properly update the information on several occasions 8 ) More calls were placed to other department to XXXX XXXX XXXX XXXX about them inaccurately reporting on my credit files. Was told there was nothing they could do about it. 
9 ) XX/XX/XXXX, the credit files are still in violation of US code 15, 1681 and are being inaccurately reported, despite the fact XXXX received payment for the vehicle. 

Considering that XXXX XXXX has a history of lying, steeling and cheating people out of money, I wouldn't put it past them to treat my circumstance no differently ; whereas, they practice an operation that has shown to be illegal. I guess they think they are exempt from following the rules and the LAW. 

I want them to confirm with the GAP insurance company that an arrangement was made so that the balance can be paid in full, as well as to get their butts moving and fix my credit report immediately! ( 45 days have past and they still haven't followed the letter of the law ). 


CONTACT : XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX
Product: Credit reporting or other personal consumer reports

I was XXXX  for 7 years and this company says I had a credit card. This is false information. I have shown them my XXXX  XXXX  papers as well. They still pursue me to pay them.
Product: Credit card or prepaid card

This is the second complaint about this case. XXXX is the number of the first one. 

All the documentation pertinent you already have it under the first complaint. However, I am including two attachments that clarify what they stated about a charge for {$57.00} at XXXX XXXX XXXX that is not in XXXX, TX but in XXXX XXXX, TX as XXXX XXXX states on her letter. 

By Citibank saying that the card was in my possession at all time does not solve the charges. Not sure how can they not see that these are FRAUDULENT charges. They should continue investigating. They should ask for surveillance cameras to the gas station, statements from the bank restaurant so they can actually be proving that it was me who made the charges. They simply decline my request, because they can NOT PROVE THOSE CHARGES ARE MINE and their easy way out is getting their payment from me. I did not make those charges.
Product: Checking or savings account

Reference : XXXX I am writing to express my extreme dissatisfaction with the ongoing delay in resolving my Bank of America ACH fraud claim ( XXXX ) for {$1200.00}, which I initially filed with CFPB on XX/XX/XXXX. Despite multiple follow-ups and assurances, my claim remains unresolved, causing significant financial hardship and frustration. 

On XX/XX/XXXX, I discovered unauthorized ACH activity on my account that was posted on XX/XX/XXXX. Immediately, on XX/XX/XXXX, I reported the fraudulent activity and filed a claim. I have resubmitted the claim multiple times : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

On XX/XX/XXXX, I received a call from XXXX from B of A Fraud Executive Escalations Team, who called to follow up on my claim with the Consumer Protection Bureau. She reopened my claim and assured the appropriate procedures were being followed. However, no progress has been made. 

Bank of America cites needing cooperation from the other bank for claims exceeding 60 days, but this ignores my documented efforts to report the fraud promptly. 

On top of everything, I received a direct deposit from a client on XX/XX/XXXX. However, due to the negative balance caused by the unresolved fraudulent ACH activity, only a portion of the deposit was credited to my account. I only received {$660.00}, leaving me with {$800.00} of my hard-earned funds inaccessible!!! I am deeply frustrated and financially impacted by this ongoing delay.
Product: Credit reporting or other personal consumer reports

I am personally submitting this complaint to address an issue regarding late payment entries on my credit report. Upon reviewing my records, I discovered the presence of these late payment listings. However, despite sending correspondence more than XXXX days ago concerning this matter, I have not received a response, and they have failed to provide satisfactory validation for these supposed late payments. I kindly request your assistance in resolving this issue promptly and effectively.
Product: Debt collection

Checking my latest credit report, I found several accounts that appear unauthorized and incorrect. I request urgent action to block and delete these fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the last letter that I am sending you before I take legal action. This is absolutely ridiculous. Your company is literally violating my rights as a consumer. If you are confused as to which rights let me tell you. 15 USC 1681c-2 as you refuse to block this information from my report within 4 business days of the receipt of my identity theft report. 15 USC 6801 as you are violating my privacy and causing substantial harm and inconvenience to me as a consumer. 15 USC 1681a as these alleged accounts are clearly from an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Lastly 15 USC 1681b as these fraudulent have been included in my consumer report with ANY written instructions by me. With that being said please remove these fraudulent accounts that are listed within the FTC affidavit that I included. Please also review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you ( Attach document that was sent to you via e
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2018, 7XX/XX/2018 and XX/XX/2018, I sent written notice to Equifax, XXXX and XXXX XXXX that they were reporting 2 Bankruptcy accounts that are not mine. I asked each repository to provide where that information came from and to delete accordingly. Only Equifax provided XXXX XXXX as being where they received the information I have subsequently reached out to XXXX XXXX and the US Bankruptcy Court and was told that neither verifies any 3rd party requests. There is no way that any repository was able to verify these accounts that are not mine as being mine since the US Bankruptcy Court does not verify this type of information to 3rd parties
Product: Debt or credit management

In XXXX of XXXX, I reached out to a debt relief company to consolidate my debt and eventually on XX/XX/XXXX, I signed up with Cordoba Legal Group who stated that they would reduce my debt significantly between 50 % to 80 %. The contract stated that i would pay {$260.00} per month for the following debts : XXXX XXXX XXXX XXXXXXXX {$2100.00} ; XXXX. XXXX XXXX XXXX {$720.00} ; XXXX. XXXX  {$720.00} ; XXXX. XXXX {$630.00} XXXX XXXX XXXX XXXX {$460.00} ; XXXXXXXX XXXX {$410.00} ; XXXX. XXXX XXXX {$4900.00} ; with a grand total of {$10000.00} Cordoba Legal instructed me to stop making payments and communicating with my creditors because they would handle everything. When I asked about the impact on my credit score and the interest and fee charges if I stopped paying my debtors, they assured me that it would all be handled. Unfortunately to date all my debts have increased because of the interest being charged and my credit score has been obliterated. 
I made 13 payments of {$260.00} to Cordoba Legal group since XX/XX/XXXX which is a total of {$3400.00} and they only settled ONE debt, which was XXXX XXXX XXXX {$720.00} and they paid {$340.00} only. 
In XXXX of XXXX, I was informed that I had cancelled my contract with Cordoba. I reached out to their company to inform them that I had NOT cancelled my contract but had stated that I would consider cancelling my contract because they were trying to force me to agree on a settlement for XXXX XXXXXXXX to pay them more than my initial debt of {$2100.00}. 
I called Cordoba Legal multiple times without getting any help from customer service and supervisors but was always informed that someone would get back to me. and no one did. Eventually on XX/XX/XXXX, I spoke to XXXX XXXX whom I was made to believe was a supervisor. I explained that my contract was cancelled in error and my dissatisfaction with the service that I had received. I explained that I had been made to believe that they would reduce my debt and also make sure that it did not affect my credit score but instead the opposite had happened. XXXX told me that he would reinstate my contract and would get back in touch with me. As I write this complaint, I still have not spoken to XXXX XXXX again. I have called customer service multiple times since my initial interaction with XXXX, in XXXX, but I am always told that he is busy and apparently, he is the only person who can help me and no one else can assist at Cordoba Legal group which is ridiculous. 
I would like the assistance of CFPB to recoup my funds and Cordoba Legal Group to be investigated for unfair trade practices. Cordoba Legal group closed my account because they tried to force me to sign an unfair settlement offer and claimed I had closed my account, they failed to give me an explanation of how my funds were used, did not fulfil their promises to assist me consolidate my debts & to reinstate my contract which I had not closed, and they provided poor customer service as I called them multiple times and they refused to assist me.
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 TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( OriginalCreditor XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Checking or savings account

On XX/XX/2024 I noticed there was a number of transactions dating back from from the XX/XX/2024. These charges equaled {$3300.00}. All the payments were made to the same merchant. It also shows the merchant is outside of the county. I didnt recognize the charges so I called Citi bank to dispute. 

On XX/XX/2024 I received a letter stating that I am responsible for the charges and they wont issue a refund. How am I responsible for charges when I didnt even authorize them. 

I attached an example of said transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a Identity theft affidavit 3 months ago. Equifax placed a message on 2 accounts that is on my credit report. It states, consumer disputes - reinvestigation is in progress. 

The message has been there for 3 months. I sent another letter. Nothing has been done. I feel as though my complain has been ignored. 

This has hindered my life.
Product: Mortgage

Short sale solutions is working on a short sale on behalf of XXXX XXXX XXXX, she has XXXX loans the first is with XXXX XXXX now XXXX ( XXXX loan ) the XXXX is with Nationwide Credit Inc . Per XXXX guidelines a XXXX mortgage should only receive a max of XXXX from short sale proceeds, nor seller, buyer or agents are allow to contribute. Nationwide Credit Inc is insisting we give them a higher payoff amount despite the fact that we are prohibit to do so per XXXX. The seller has complied to all requirements, has provided all the information requested by NCI that proves her financial hardship, seller is trying to avoid foreclosure, XXXX is willing to work with the offer amount we have, however we can not proceed because NCI is NOT willing to release the lien and issue an approval letter for less than 20 % of the unpaid principal, the total amount due is XXXX. We are afraid this will lead the homeowner into a foreclosure. We can not issue more money to NCI, we would be violation of XXXX guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account reporting to my Transunion Account that I do not recognize nor did I give permission for this account to be reported to my consumer report. This is the second notice that I have given to Transunion about the unauthorized reporting of XXXX XXXX XXXX to my consumer report. Under the law 15 USC Code 1681B Transunion is not allowed to report anything to my consumer report with my consent. I have not to date given Transunion or XXXX XXXX XXXX any verbal consent or written consent to report this account to my consumer report. As a violation I am filing my second report about this to the CFPB as well as to the XXXX with legal action to follow for which I will also be seeking {$1000.00} per violation for : Defamation of Character Negligent Non-Compliance Civil Liability Mental Anguish Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance 616. Civil liability for willful noncompliance [ 15 U.S.C 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Transunion, XXXX, XXXX XX/XX/XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I  recently conducted a review of my credit report, and I noticed that your agency showed several credit inquiries that I find to be problematic. 

These inquiries are curious because every since I learned that my Identity was compromised in XXXX, I gave up on applying for any form of credit. I have no recollection of doing any business with the below companies.. 

I contacted each company, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this get the right, and fair, attention. 

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 

Thanks for your prompt attention to this matter, XXXX XXXX The List of Hard INquiries reported on my credit reports : XXXX - XX/XX/XXXX XXXX   XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX and XX/XX/XXXX XXXX - XX/XX/XXXX XXXX/XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Checking or savings account

This is an issue that involves discrimination. I have been having an ongoing problem with PayPal and this account. I contacted PayPal XX/XX/2024 to alert them that my account was in the hole by to much money. 

I had a client that is known to me purchase services ( which the only legal reason that this kind of purchase can be charged back is fraud. 

His charge back did not equal the amount that they put my account into the hole for.
Product: Debt collection

XXXX XXXX called me at XXXX on XXXX/XXXX/2015. I did n't recognize the number, ( XXXX ), so usually let calls like it go to voice mail. This time I made the mistake of answering. XXXX XXXX threatened to have me arrested for non payment of an overdue bill from some Bank. He would not give me the name of the Bank, but said I owed over {$30000.00}. I told him I owed no one money or anything else. XXXX XXXX XXXX said he would have me arrested, take me to court, and send collectors out to my residence to take anything of value. He insinuated I had no parents, and I was a low life. I have seen the phone number about XXXX to XXXX times before, but just let it go to my answering machine, but no message has ever been left. These calls start before XXXX, and go past XXXX.
Product: Credit card

Take a moment to review the attached documents. I request the bureau to commence an investigation into these accounts, for which I am consistently on time, but are inaccurately reported as late.