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

Chase Banking XXXX XXXX, 2020 : Saving Account wiped of all money via charge description " Debit DDA -Check Charge '', type : misc. debit, for two separate amounts of {$120000.00} and {$82000.00}. Done by Chase Banking. 


XXXX XXXX, 2020 : Checking Account wiped of all money via charge description " Debit DDA - Check Charge '', type : Misc . debit, for 1 amount of {$7600.00}. Done by Chase Banking. 


-Both checking and savings have been closed down as of XX/XX/2020. 
XXXX XXXX, 2020 : Visited a local branch and served by branch assistant manager in locating the money and reinstating accounts. She has no idea where money is, assistant manager called Chase headquarters on my behalf, and they don't even know where the money is. No Cashiers Check can be confirmed sent out to me for all three amounts. Branch assistant manager has no idea if the money is being sent out to me, held by Chase, or in limbo for an unknown reason. I am getting the runaround by my local Chase branch. 


-I am now currently waiting for 5+ days to see if I am eligible and approved to be reinstated XXXX until XX/XX/2020 ), if approved they will only mail the {$82000.00} via cashiers check. The other amount of {$120000.00} and {$7600.00} they have no whereabouts.

-Every time I personally call Chase I am met with the initial representative, then they forward me to another department leaving me to wait over an hour before being automatically hung up on. It is impossible to reach anyone from a different department that may know the true wherabouts of my amounts via Chase hotlines.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX - DATE OPENED XX/XX/year> - BALANCE {$16000.00}
Product: Credit reporting or other personal consumer reports

I have 3 business cards that were applied for with the EIN of the business and have been under those businesses for 4 years. They have never appeared on my personal credit ever. I had a missed payment on all three due to financial hardship and Chase reported these cards to my personal credit. These should not be on my personal credit score but rather my business rating. This is substantially affecting my personal credit now.
Product: Checking or savings account

I currently have a business, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, owned by myself and my husband. My husband and I went to Citibank on XX/XX/year> and applied for Business Checking Plus ( line of credit ). The representative was on the phone with a business banking specialist, helping her to complete our application. The gentleman on the phone stated that the application will probably be denied because my husband does not have established personal credit. However, he encouraged us to still apply. 

My husband and I moved forward with the application, hoping that maybe Citibank will take into consideration that we have multiple accounts with them, and my credit history as the stronger partner. I received the denial letter in mail. The letter stated that Citibank was unable to approve our application because the principal business activity is outside targeted industries for lending. 

This is information that Citibank can and should have disclosed prior to the application so that we will not waste our time applying for products that they do not support. Also, the application was for a line of credit for our business checking account, not a separate line of credit for the business.
Product: Debt collection

On XX/XX/15 central mediation services contacted me claiming to be collecting on an old debt of XXXX some odd dollars. I told him I did not take out a loan and he became combative and told me good luck in court. I then asked where they were located and he stated you do not need to know that. I called back and requested a debt validation letter and the secretary asked who I was speaking with and I said Im not sure his name. Then she told me well maybe you can figure it out and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Requesting More Information To Whom It May Concern ; I'm seeking more information about an account which I opened with your company.

Please provide us with the following information : 1. The original Retail Installment Sales Contract or Lease Agreement, associated with the sale and financing/leasing of this vehicle. PLEASE BE SURE TO INCLUDE ANY ARBITRATION PROVISIONS.

2. The full payment history on this account. That includes monthly balance, required minimum payment, and the actual amount paid. Please be sure to include the date of each payment.

3. The Notice of Sale/ Notice of Default, informing me of the date, location and method through which the vehicle would be sold, and how I could redeem the vehicle. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.

4. Explanation of Calculation of Surplus or Deficiency, including an itemized description of costs and fees. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.

5.Any notices regarding our clients right to redeem personal property contained in the vehicle. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.

6. Details regarding whether this was a public or private sale. If this was a private sale, please advise as to whether this was a wholesale transaction ( dealers/ vendors only ) or open to nonprofessional buyers.

To respond to this letter, you may contact us by email or USPS mail. PLEASE NOTE THAT EMAIL IS SIMPLER FOR BOTH YOU AND US.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been dealing with XXXX  for more then 6 months with the same problem to no resolution at all..The problem is with credit acceptance able to report on my credit file after i have mailed, email.faxed..communicated to over 15 customer service about this problem.XXXX I purchase a vehicle from credit acceptance receive my title in the mail,XX/XX/XXXX i purchase another vehicle from credit acceptance for XXXX +title and taxes it was XXXX high balance after paying the vehicle of i recieved my title in the mailed XXXX and XXXX i did a title loan on it from XXXX XXXX  and XXXX I didnt want the vehicle and i allowed discount title to keep it..XX/XX/XXXX credit acceptance took me to court for balance of XXXX ..I had XXXX XXXX XXXX XXXX  to represent me and i was told by XXXX XXXX that i did not have to go to court due to health issue and I was in the hospital..XXXX XXXX told me that i lost, Dont worry as long as im XXXX  credit acceptance wont see a penny..XX/XX/XXXX I filed suit against credit acceptance because im trying to purchase my first home and that judgement is damaging my chance to get approved, XXXX isnt doing a complete job credit acceptance keep reporting back to XXXX that the account belong to me and the information is accurate, which it not with credit acceptance reporting high balance of XXXX and the unpaid balance is XXXX the payment history add up to XXXX its not adding up.XX/XX/XXXX CFPB had a Block added to my credit report and both credit acceptance and XXXX received the documents, and i had a fraud alert added XX/XX/XXXX to my account XX/XX/XXXX credit acceptance reported 180 days late ... XXXX XXXX denied my loan approval because of credit acceptance and XXXX not doing their job ... I have filed over 17 disputes about this matter .XXXX employee keep telling me to get in touch with credit acceptance, I keep explaining to XXXX  that we're in Litigation in the XXXX XXXX  of Alabama XXXX XXXX -Credit Acceptance and by me been XXXX  XXXX and XXXX no one want to help to make this right ! Thank you for your time and effort
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Ive made every attempt possible to contact EXPERIAN credit bureau to an avail. 
Its virtually impossible to reach anyone at Experian to either assist in buying a credit report or in my case all three XXXX, Experian and XXXX. I have an alleged membership number and all i want to do is buy a new 3 in 1 combined credit report for {$39.00}, as I have in the past on their website. The website experian.com now will not allow such a purchase without them trying to upgrade you to a monthly membership which I do not want! I've attempted on several occasions to contact them through their customer service line XXXX and XXXX, and can not reach anyone regardless what options you choose. Please help myself as well as all others experiencing this mess.
Product: Checking or savings account

I am presenting documentation that clearly and indisputably established that Wells Fargo acted in an Intentional Misrepresentation and Omission of Material Facts in order to deny a claim for theft. 

I am hereby attaching information and supporting documents that will establish my claim against the actions of Wells Fargo. 

Please see the attached .pdf files.
Product: Checking or savings account

Chime closed my account without notice and have held my funds since its closure on XXXX XXXX 2023. Numerous emails asking why my account was closed, which they said I violated deposit agreement. Reading the agreement I did not in anyway violate the agreement. Saying my funds will be mailed to me within 30days. Absolutely horrible
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$1200.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$960.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX  XXXX Balance : {$980.00} ; XXXX XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$980.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Mortgage

Dear Sir / Madam : I am writing to request an investigation on CitiMortgage for breaching the contract on my Optional Agreement payment plan I opened on XXXX XXXX, XXXX included with my monthly mortgage payments. I was laid off my job I held for XXXX years due to downsize on XXXX/XXXX/XXXX. I called CitiMortgage to get information on how to process coverage. I was transferred to several different people in various departments trying to see what I should do. No one at Citi knew what I was talking about or knew what the options coverage or completion plan fee was on my monthly statement. I was then transferred and advised about only on an unemployment assistance program ( UP ) and sent the forms out to complete and return to them to pay {$1.00} per month for XXXX months and pay the balloon payment by XXXX XXXX, XXXX. 
I have never been late on my mortgage for the past XXXX years. I have use my savings, XXXX, Unemployment and borrowed money to pay my mortgage until my unemployment ran out. I was only offered this Unemployment program. When I was sent these forms for this program all I have experience is hardship from the various letters I have been receiving about this program. I have been charged with an appraisal fee 's, and sent various forms for Modification, letters thanking me for agreeing to participate in the program that I have not returned as well as pictures of other homes others homes in the area comparing to mine. I have had people taking pictures of my home and a real estate agent come to my home XXXX wanting to speak to me about selling my home. I am feeling victimized and Citi Mortgage trying to force me from my home. 
I have copied various forms to show but too many to add to this system. I have been receiving larger amounts for payment, increases on the escrow payments due changing and raising the amount due since I satisfied the payments. Please help this company is trying to take my home after XXXX years.
Product: Credit reporting or other personal consumer reports

COMPANY XXXX XXXX AND EXPERIAN, THAT WAS BUILT OFF OF XXXX  CONTINUES TO BREAK THE LAW BY VIOLATING MY CONSUMER RIGHTS. XXXX IS FULLY AWARE THAT THEY ARE BREAKING THE LAW AND CAN BE SUBJECT TO A CIVIL SUIT DUE TO THEIR NEGLIGENCE. XXXX AND EXPERIAN HAS VIOLATED 15 US CODE 1611 - CRIMINAL LIABILITY FOR WILLFUL AND KNOWING VIOLATION. THIS MEANS XXXX XXXX IS VERY AWARE OF WHAT THEY ARE DOING AND DOES NOT CARE ABOUT THE CONSEQUENCES. I HAVE ASKED THE COMPANY TO REMOVE FRAUDULENT ACCOUNTS AND INQUIRIES OFF OF MY CREDIT REPORT FOR YEARS ( XXXX XXXX ) SUCH AS ( XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX ( THAT WAS REMOVED AND NOW HAS RE-APPEARED AGAIN ). COMPANY XXXX AND EXPERIAN AGAIN HAS VIOLATED 15 US CODE 1611- CRIMINAL LIABILITY FOR WILLFUL AND KNOWING VIOLATION. WHICH MEAN YOU HAVE VIOLATED AND YOU REFUSE TO REMOVE, WHICH YOU ARE NOW AWARE THAT YOU ARE BREAKING THE LAW. PLEASE REMOVE ALL FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX, XXXX XXXX XXXX XXXX ( 3 ACCOUNTS ), XXXX XXXX XXXX AND ALL FRAUDULENT INQUIRIES OFF OF MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 days mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to .... promptly delete all information which cannnot be verified. that I have disputed. Please resolve this matter as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

I am attaching the detailed letter regarding the CAPITAL ONE account number ending XXXX, in which on multiple occasions I spoke with this company to explain the reason for my late payment that had been due to a fraud issue and they told me to please send them a letter in writing explaining everything. 

This letter was received and I was notified that the account was going to be corrected then they sent me a letter explaining that they could not change this situation since they had to accurately report the report, where I express that due to fraud they should give me the necessary help since it negatively affects my credit report and my reputation.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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. I am filing this FTC identity Theft Affidavit to report 3 separate fraudulent accounts appearing on my credit report FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a student loan account opened at XXXX on XX/XX/XXXX under account number XXXX. Another student loan account opened at XXXX on XX/XX/XXXX under account number XXXX and lastly a student loan account opened at XXXX on XX/XX/XXXX under account number XXXX. Theses accounts have resulted in several fraudulent hard inquiries and fraudulent open accounts appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection / opened student loan activity related to said items cease to pursuant to my rights within the FCRA and FDCPA laws I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I disputed a unverified bankruptcy that LexisNexis is has reporting on my XXXX, XXXX consumer credit reports.Lexis Nexis claimed they verified the Bankruptcy belongs to me. Lexis Nexis did not supply any additional supporting evidence that this account belongs to me. 

I would like to add at this time I would like to add Lexis Nexis is in violation of the .the following : 15 USC1681 ( a ) ( 4 ) The Right to Privacy 15 USC 1681 ( b ) ( 2 ) Permissible Purpose Lexis Nexis furnished my consumer report without written consequent from me.The law is clear in USC 1681b. A consumer report can not be furnished unless the consumer gives Written Permission. If I gave written permission to Lexis Nexis to furnish a credit report to the consumer reporting agencies I ask that Lexis Nexis produce the written consent form bearing my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : XXXX XXXX XXXX XXXXXXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion XXXX XXXX XXXX XXXX XXXX to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Credit card

I was trying to refinance my cc. She acted like she didnt understand what I was saying. My Apr is 28 % annually. And they refused and said I couldnt do that. I have a good credit score o and pay my payments on time for years. It didnt make any sense. They also said I couldnt transfer my balance to another citi card.
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 XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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.