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

Chase abruptly closed my savings account without disclosing why, and they are withholding {$1600.00} of my money for up to XXXX business days. -- - On XX/XX/XXXX ( around XXXX XXXX XXXX ), I opened a savings account on Chase.com. I then went to my local branch office and deposited {$1600.00} into the account ( through a teller at the branch office ). Later that day, I went on Chase.com, linked my checking account ( at another bank ) to my Chase savings account, and transferred {$1300.00} to my other account. At XXXXXXXX XXXX XXXX, I was notified by email that Chase canceled my transfer. Around XXXXXXXX XXXX XXXX, I attempted to log in to my Chase.com account and was informed that my account was restricted ( I could not log in ) and was instructed to call the Chase customer service line. 

I called the customer service line, was connected to a customer service representative, and was told that Chase had closed my account and that Chase was under no legal obligation to inform me why the account had been closed. I was told that my {$1600.00} would be held for up to XXXX business days until the closure was complete, at which time it would be mailed to the address on file as a cashier 's check. I called a second time ( immediately after the first call ) to have Chase unlock my account to access my Chase credit card ( which I have had for around XXXX  years ). I was told the same information ( Chase would not disclose why they closed my account and were withholding my {$1600.00} for up to XXXX business days ). In addition, I was told that my entire Chase online account ( including my credit card ) was restricted, and I would have to call back after my savings account was closed to unrestrict my account. 

I asked to speak to a supervisor and was told no supervisors were on staff then, but I could call back at XXXX XXXX XXXX the following morning to speak to a supervisor. I called back the following morning and was told by a supervisor that Chase was not legally obligated to inform me why my account was closed and that Chase would withhold my money for up to XXXX business days until the account was formally closed. I was told that I had no recourse and that the bank had made their decision. 

I called again on XX/XX/XXXX ( around XXXX XXXX  ) because I had not yet received my check and was told that the check had been sent through XXXX  and had been delivered on XX/XX/XXXX ( the check was dated XX/XX/XXXX ). I asked again for the reason for the account closure and was given no information.
Product: Credit reporting or other personal consumer reports

Impacted by XXXX data breach Credit report shows Hard inquiries from XXXX XXXX XXXX XXXX XXXX Non authorized Old/wrong addresses
Product: Credit reporting or other personal consumer reports

LVNV FUNDING LLC ADMITTED ON XX/XX/2024 TO CFPB THAT THEY ILLEGALLY AND FRAUDENTLY ACCESSED MY PERSONAL INFORMATION FROM XXXX  XXXX ( ACCOUNT XXXX ). LVNV DID NOT RECEIVE DISCLOSURE FORMS FROM XXXX  XXXX WITH MY CONSENT STATING THAT I GIVE PERMISSION TO SHARE MY PERSONAL INFORMATION. LVNV  HAS VIOLATED MY RIGHTS BY COMMITTING IDENTITY FRAUD!!! 
ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. 
15usc 6801 Protection of Non- Public Information. 
15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received. 
1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party. 
2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party. 
3. The financial institution giving me an explanation how to exercise the non-disclosure options. 
15 usc 6802 Disclosure of Institution Practice Policy
Product: Debt collection

Began calling monthly about 5 months ago. Payment is due on the XXXX and statements are normally received that day or after and mailed immediately. They refuse to send the statement earlier requesting payment be made by phone or Internet for a fee. Payments have never been past the XXXX grace yet they continue to call. Called me at work this month and I told them I was reporting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account is resolved with XXXX XXXX and is no longer in collections. It is still reflecting in collection status on report. The account is no longer a active collection account and needs to reflect correctly
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Block, Inc. ( Cash App ) for inadequate customer service, failure to address fraud, and violation of consumer protection laws under the Consumer Financial Protection Act ( CFPA ) and the Electronic Funds Transfer Act ( EFTA ). 

Summary of Complaint : Fraud Prevention Failures : Cash App did not take timely action to prevent or address fraud on my account, leaving it vulnerable to further unauthorized transactions. 
Unfair Dispute Resolution : Cash Apps dispute process was unfair and did not comply with error resolution requirements under Regulation E ( XXXX C.F.R. XXXX ), causing financial loss and inconvenience. 
Deceptive Practices : Cash App made deceptive representations about its ability to protect consumers from fraud, which violated the CFPA ( XXXX U.S.C. XXXX ( a ) and XXXX ( a ) ( 1 ) ( B ) ). 
Failure to Comply with EFTA : Cash App did not comply with required error resolution procedures or retain evidence as required by the EFTA and Regulation E ( XXXX C.F.R. XXXX, XXXX ). 
I request an investigation into Cash Apps practices and seek appropriate redress for the violations listed above.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of significant concern regarding the repeated inaccuracies in reporting a late open account on my credit file. Despite numerous attempts to correct this error, it persists, negatively impacting my creditworthiness and financial standing. 

I initially raised the issue previously, and since then, I have made multiple efforts to rectify the inaccuracies in my credit report. I have diligently provided all necessary documentation, followed the appropriate dispute procedures, and communicated with your representatives on numerous occasions. However, the reporting of a late open account remains unresolved. 

An account on my credit report is inaccurately marked as opened late, despite evidence of timely and proper account initiation. This misinformation is affecting my credit score and creating a false representation of my credit history. 

I understand that errors can occur, but the repeated failure to address and correct this issue after multiple attempts is unacceptable. These inaccuracies are causing significant harm to my credit profile, hindering my ability to secure favorable financial terms and impacting various aspects of my financial life. 

I request an immediate and thorough investigation into this matter. I expect a prompt resolution and a comprehensive update to my credit report, reflecting the accurate and verified information regarding the account in question. Additionally, I request a detailed written explanation for the continued error and the measures taken to prevent such issues in the future. 

If necessary, I am prepared to escalate this matter to relevant regulatory authorities to ensure a fair and timely resolution. I believe in the importance of accurate credit reporting for both consumers and creditors, and I trust that [ Credit Bureau Name ] shares this commitment. I am asking for your assistance to correct the late open account : XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Debt collection

I have an account in collections  that was opened on my credit report this month. The account is listed as " Commercial AcceptanceCompany '' and  says the account was opened on  XXXX / XXXX / 17  with a balance of {$1900.00}. I 've left multiple messages at the phone number  XXXX  but can never actually speak to a person and do not receive a call back. I did not open any accounts in  XXXX  of this year and have absolutely no more information on the 'debt ' which I believe is a fraud ulent one. I am frustrated and do not know how to proceed. My credit score has dropped significantly due to this.  What can I do?
Product: Debt collection

This account has inaccurate reporting. The company has failed to properly investigate. Attempting to collect payment that I do not owe. These accounts do not belong to me. If not resolved, I will sue for damages.
Product: Credit reporting or other personal consumer reports

XXXX added and XXXX XXXX XXXX account to my report that I have no knowledge of at all. It is reporting on Transunion as XXXX XXXX as a closed account which isn't mine also. Please remove these account and negative items from my credit file as I have no knowledge whatsoever of these items.
Product: Debt collection

I closed the account on XX/XX/2018, but since that time till today, they haven't sent me any final bill to paid and keep charging me late fees and interested, even the account and closed. I did paid the amount in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

When l checked my XXXX  Credit Report today, l realized that ; CITI CARDS CBNA reported a hard inquiry on XX/XX/2018 which l have no idea about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

this bank company is reporting negative, false, misleading wrong information on my credit report, they are reporting fraudulent information on my credit report..on XXXX   they are reporting my account as a mortgage loan that has been charged off, and on XXXX  its showing a charged off credit card, and this is far from the truth, this is a deposit account only, this was not a loan nor a credit card, this was a deposit account only, a place were i deposit money only. it appears like this on experian XXXX XXXX XXXX - XXXX and like this as on XXXX. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am an Authorized User for this account. I have been paying faithfully while the primary can not. She is filing bankruptcy soon. She will include the card/ account that XXXX refuses to update ( refused : please request or see supporting evidence ). 
No late pays and good standing but I am not going to pay on this account by myself anymore as the Authorized User. 

Compounding the problem is the fact I can not get service for this account. Unfortunately XXXX representatives will not discuss one word of this account with me for address errors or ANYTHING. That is not drama its a fact. 

I have legal rights as an Authorized User to remove myself from this account. It is my responsibility. I do not have access or a card active. So I believe its clear. 

Please request the company XXXX have its bank remove me as an obligated borrower. The letter from XXXX to me after they denied my request says it all. 

" We are unable to update the credit report as requested. To remove authorized users from the credit reporting, the authorized user must be removed from the account. '' Please ask for a copy. Bad grammar is part of the letter not me. 

XXXX MASTERCARD Card No : XXXX Thanks profusely Respectfully XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, Account name : XXXX XXXX XXXX XXXX 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 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

They have the wrong d.o.b., they also have multiple address on file as well as my employer. Ive called and asked them to delete any adverse account thats associated with the wrong date of birth. Ive asked them to remove my employer information, because thats personal information that I DO NOT want public. Ive also asked them to remove all former addresses because theyre not valid and incorrect- because I can no longer receive mails there. All my request have gone unanswered.
Product: Payday loan, title loan, or personal loan

I took out this loan in XX/XX/XXXX for {$1500.00}. I have been drafted biweekly since for about {$150.00}. I called today, XX/XX/XXXX around XXXX XXXX est, and inquired why are they still taking auto payments? I feel that I've paid more than what I borrowed. The agent, name unknown, but it was a female, says I missed 8 payments and they are charging me daily interest. She said repeatedly I only owe 3 more payments. I asked that they discontinue auto pay and move their expectation of payment on XXXX. She says she did as I requested and an email would come to me confirming. I asked her to note my account that I would pay the {$340.00} she stated I still owed by XX/XX/XXXX. She then explained I needed to call before paying because of daily interest. In her previous explanation she said interest was charged because I missed payments. So now at this point in the convo, I am confused, if you moved the payment for XXXX and I pay balance owed by XX/XX/XXXX, why would I need to call for a new balance? That is when I expressed to her I am confused and begin asking close ended questions to ensure I was getting all the information. She was adamant in adding on narratives to simple yes or no questions. I kept saying if I owe 3 more payments and you would have drafted them biweekly thru XXXX, why would I need to call for balance? Then she said she told me I owed {$340.00} " as of today. '' Our whole convo was basis some tricky wording and this agent was intent on allowing me to remain confused about how to pay this off and be done. I truly feel her intent was to deceive me, and when I did not accept and hang up, she begin talking over me. She started speaking when I was speaking and I continued speaking and she then egregiously accused me of over talking her and hung up on me. I am speechless at her behavior and I find it abusive.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report maintained by XXXX. Pursuant to 15 U.S.C. 1681o, which holds credit reporting agencies and furnishers liable for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), I am requesting immediate correction of the following erroneous data. 



Disputed Information : Account Name : XXXX XXXX XXXX, TRUISTXXXX, XXXX XXXX Inaccuracy : Account does not belong to me Correct Information : Account does not belong to me I have attached copies of relevant documents that support my claim. 


Under 15 U.S.C. 1681i, credit reporting agencies must investigate disputes within 30 days and correct or delete any inaccurate, incomplete, or unverifiable information. Furthermore, failure to comply with the FCRA due to negligence makes the responsible party liable for damages under 15 U.S.C. 1681o, including any financial harm I have suffered as a result of this error. 



If the disputed information is not corrected within the legally mandated timeframe, I will pursue further legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking damages in civil court. 



I request a written response confirming the resolution of this dispute. You may contact me at the address or phone number listed on my file or contact me for a better contact.
Product: Credit card or prepaid card

Comenity Bank, the issuer of my XXXX Credit Card, lowered my credit card for unjustifiable reasons, which of course had a negative effect on my credit score. I asked them to restore my limit or close the account. They refused to restore my limit, so I paid my balance in full on XX/XX/2020 and on XX/XX/2020 called and closed my account. I was assured my account had been closed. I had a XXXX   balance. This morning I received an email that I have a new statement. I logged in. My account is still open and they have charged me fees. I have since checked online and this is a recurring theme for this company that many people incur and fight for months to get their accounts closed while being charged fees they do not owe and the company reports negatively on their credit reports. I will NOT tolerate this! This company is a scam and a fraud and someone needs to correct this!
Product: Mortgage

We have a mortgage on our home and on the adjacent 18.6 acres ( separate PIN # s and tax bills ). Taxes in XXXX XXXX are paid twice a year in XXXX and XXXX with 1/2 the total tax amount due at each payment time. Total tax on the home is {$5400.00} and total tax on the land is {$75.00}. On XX/XX/22, I received an escrow analysis stating our monthly escrow payments would be increased from $ XXXX to $ XXXX starting XX/XX/22. After reviewing the escrow information, I found several mistakes including incorrect PIN #, incorrect amounts of tax and a duplicate entry. I called PennyMac on XX/XX/22 and talked to Carlos. We went through the escrow information and he submitted the corrections. The PIN # s are now correct and the duplicate house tax was removed. However, the land tax due in XXXX is now shown as {$2700.00} instead of the {$37.00} actually due. On XX/XX/22, I called PennyMac and talked to XXXX. I explained the problem and she told me I would have to call the county and get the tax bills and send them to PennyMac since the bill documents were not in their system. I told her that I don't get the tax bills, PennyMac does. She kept repeating the same information over and over. XXXX XXXX does not print tax bills for escrow accounts, the bills are sent electronically to the mortgage company. 
I tried to get the escrow account corrected last year to no avail. PennyMac didn't pay the tax on the land last XXXX After receiving an overdue bill from the county, I called PennyMac and they paid part of the bill. I had to go to the county and pay the storm water portion of the bill. 
This appears to be creative accounting or incompetent accounting on PennyMac 's part. If they can't get a simple escrow account and the tax bills correct, they should not be in the mortgage servicing business.
Product: Debt collection

Southwest Credit at the direction of XXXX added a negative credit entry to all three of my credit files for a alleged debt without giving legal notification of the debt. Southwest Credit alleged that they sent to me via US Mail, a debt letter concerning the debt back in XX/XX/XXXX. I am DENYING this alleged debt is mine as I have not heard about this debt and was never notified of this alleged debt until XX/XX/XXXX. 

I am a current customer of XXXX, therefore they are fully aware of my current mailing address. Southwest Credit at the direction of XXXX, sent their debt collection letter alleging that I owe a past due balance to a previous address that I have not resided at for over 5-years. I have moved three times since the address Southwest Credit sent their alleged debt letter. XXXX and Southwest Credit seems to be using nefarious debt collection practices to insert negative credit entries onto my credit reports. Again, I have no knowledge of this debt and I contest that it is not mine, nor do I acknowledge that it is my debt. As you can see on the letter Southwest Credit claimed they mailed out to me, the address they sent the letter to is not my current mailing address and has not been my address since late XXXX. I have no idea who that letter went to and I personally never received it.
Product: Checking or savings account

On XX/XX/year> my checking account with all my money in it was hacked and multiple fraud claims were committed on my account, XXXX of them being through XXXX. I noticed about a dozen incorrect errors that were occurring on my account within the same time frame and realized somebody had access to all my personal information. I have reason to believe my phone was hacked by a merchant I paid in Chime minutes before the XXXX transactions went through, which I had to also report. I was also going to a community gym where someone couldve easily had access to my phone around the week of the XXXX. I called immediately reporting that all my funds were being stolen. I had to CLOSE my account, close online banking, and change my debit card. I reported everything to us bank and us bank denied the ones submitted to XXXX upon submitting my dispute XXXX. These are the XXXX claims i am submitting to Consumer Financial as my complaint towards XXXX dept U.S. Bank who have not cooperated with this awful situation that has left me a XXXX person with no funds and my life was completely affected by this ambush. I am a victim of fraud. Please help me get my money back. These are the following claim numbers with them and this is the total amount : XXXX {$63.00} XXXX {$100.00} XXXX {$450.00} XXXX {$660.00} Total : {$1200.00} FRAUDULENT DISCREPANCY BEING DENIED I NEED MY MONEY BACK PLEASE
Product: Credit reporting or other personal consumer reports

I noticed a vehicle from XXXX XXXX  that I do not own and says that I owe XXXX. I am a victim of identity theft and I also noticed other credit cards and loans that are on my credit report that I'm not responsible for.