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

Dear Sir/Madam, I am writing to file a formal complaint against Chase Bank regarding the wrongful closure of my business account and the subsequent withholding of my funds. On XX/XX/2024, Chase abruptly closed my account citing " excessive claims, '' which, upon investigation, were unjustly attributed to legitimate attempts on my part to address fraudulent transactions. 

The purported reason for these claims stemmed from Chase 's policy, which mandates customers to report fraud and await a new card in case of unauthorized transactions. Despite my compliance with this policy and the provision of evidence demonstrating the unauthorized nature of these transactions, Chase refused to block recurring charges from merchants who obtained my information for monthly subscriptions. This refusal directly contributed to the escalation of claims on my account. 

Moreover, Chase 's decision to close my account without due process has left me in a precarious financial situation. As of the account closure date, XX/XX/XXXX, my account held a balance of {$2300.00}. However, Chase is withholding these funds until XX/XX/XXXX, and further delaying access by an additional 10 business days for the issuance and mailing of a cashier 's check. 

In addition to the financial hardship caused by the withholding of my funds, I also incurred fees from merchants to whom I had authorized transactions. These merchants levied penalties and charges due to the freezing of my account by Chase, despite my best efforts to rectify the situation promptly. 

In an attempt to access my funds urgently for essential needs, I visited a local branch as instructed by Chase, where the branch manager initially approved my withdrawal request. However, this authorization was subsequently overruled by headquarters, denying me access to my funds, even for critical purposes such as purchasing necessary medication. 

This treatment by Chase not only violates principles of fair banking practices but also poses a significant hardship to me as a customer. The arbitrary closure of my account, coupled with the prolonged withholding of funds and subsequent fees incurred, contradicts the spirit of consumer protection laws and regulations. 

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action against Chase Bank for their unjust actions. Furthermore, I request assistance in expediting the release of my funds to alleviate the financial strain caused by Chase 's actions. 

Thank you for your attention to this matter. I look forward to a swift resolution and your intervention in ensuring that consumers are protected from such unfair treatment by financial institutions. 

I have no pending transactions and all my funds can be accounted for as indicated in the photos included. 

Sincerely, XXXX XXXX
Product: Debt collection

PROCOLLECT , INC XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX I have requested a debt validation from this debt collector within 30 days of them reporting to my consumer report an alleged debt of {$2800.00} They have answered within 30 days with some information, however all of the information I needed to verify was not included, so I sent another letter within 30 days requesting more information. I also requested they cease all collection efforts until all requested information was given. 

They have received this letter, as it was sent certified with return receipt. However I have received nothing from them and they have continued to make collection efforts during this period of 3+ months of waiting for a response. 

Them continuing to make collection efforts after receiving my letter quoting the FDCPA demanding a cease and desist while this debt is in the validation process is a violation. Subject to {$1000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the companies and they have acknowledged that these accounts were fraudulent and have removed them. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I did a review of my credit through Equifax. I noticed a hard inquiry was ordered on XX/XX/2021 from XXXX XXXX  which I did not authorize. I immediately disputed this with Equifax and also filed a complaint with your office. I received a correspondence from Equifax dated XX/XX/2021 and have enclosed this along with a letter from XXXX XXXX about not approving the application due to identity non being able to be verified. I did not authorize this and it appears to be fraudulent. Somehow someone got my information and tried to apply for a line of credit under my name. I have spoken with someone at XXXX XXXX and they have assured me they will report the error to Equifax. Now it will be up the Equifax to remove this inquiry from my account.
Product: Payday loan, title loan, personal loan, or advance loan

I paid off this loan on XX/XX/ with a mailed check. I called one week later, because by the time they cashed the check they withdraw the monthly payment from my bank, so it was an overpay of {$190.00}. The woman told me that they will reimburse me the amount with a check within 30~45 working days. 

I called back on Wednesday XXXX checking about the check and the payoff letter that never arrived. The another womand told me the check was issue on XX/XX/XXXX and should be arriving anytime soon. And apologizes for the delay and the payoff letter will be sent to my email for faster service. She confirmed my address along with my email. 

I never got neither one and called back again this Monday XXXX. Also I noticed my credit report hasn't been updated. I talked with a man and apologized for the delay and a lot of blah, blah, blah. He confirmed again my address and email, and told me someone will be calling me within 24 to 48 hours. Neither the letter is in my email or somebody called me. 

And I started to worried they are some type of con business. I got proof of my payments and the names, date and times of the persons I talked to.
Product: Checking or savings account

Opened Apple Card for the savings account interest rate, was unable to add funds through convoluted system and requested account be closed. Was told account was closed, but still receiving statements and account appears to remain open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account.

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX XXXX XXXX FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

Mistaken Identity XXXX XXXX  Account Number : XXXX Delete this account. 

The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 2. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

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

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

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

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

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

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

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

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

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

12. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

SEVERAL BANK PULL MY HARD INQUIRIES FROM ALL BUREAUS, XXXX XXXX, FORD CREDIT ETC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a ftc complaint XX/XX/XXXX via online at FTC XXXX as directed by Equifax. After filing my report I went online to Equifax website to send in dispute Per Mr. XXXX in the fraud department on XX/XX/XXXX. Come to find out while I was doing as requested calling original creditors to ask about letters of deletions for unrecognized hard inquiries and was turned back to Equifax. Mr. XXXX had already processed a fraudulent dispute for the inquiries I didnt recognize. This was done before I could provide my previous FTC complaint to Equifax as required per Mr. XXXX in the fraud department. I asked for assistance with deletion and was told NO even hung up on but on the other side Mr. XXXX disputed the inquiries and sent results saying they were factual even after I gave him each companys response. As a consumer I feel violated. Without my knowledge Mr. XXXX went into my consumer credit report and did as he please without my consent. I asked that each inquiry I do not recognize which is each inquiry Mr. XXXX fraudulently disputed be removed from my credit profile immediately. All are as follows : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I only disputed one address that I was lied to via Equifax dispute results on XX/XX/XXXX saying it was removed yesterday for a second time. I did not officially authorized Mr. XXXX to dispute anything else until I sent in official FTC report containing each inquiry as requested and required of the fraud department in Equifax per Mr. XXXX to remove from my credit reports. I feel violated as a consumer. I did not dispute any hard inquiries with the fraud department on XX/XX/XXXX. 

When I called Equifax back to address the issue of my consumer rights being violated by the improper use of my credit file I was told this is just something they do and the dispute results I have are not dispute results but clearly shows dispute results of inquiry disputes I did not authorize or request. When I questioned the validity of the results and asked for a supervisor of the fraud department the representative whom refused to give her name said she was not transferring the call instead hung up in my face.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.The following inquiries were not authorized and should not be reporting. 

XXXXXXXX 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 XXXX XXXX XX/XX/XXXX, XXXX 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 XXXX XXXX XXXX. The accounts below have violated my rights. XXXX XXXX XXXX section XXXX. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX 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. XXXX U.S.C XXXX ( A ) ( a ) 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

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S C 1681 section 602 states I have a right to privacy. 15 U.S. C 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. C 1666b a creditor can not treat a payment on a credit card account under an open-ended consumer credit plan as late for ANY PURPOSE. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX XXXX  Equifax CRA Acct # XXXX - Transaction history reporting on consumer report XXXX XXXX XXXX  Equifax CRA Acct # XXXX - Transaction history reporting on consumer report I DEMAND that these accounts be removed from my report due to privacy violations along with civil liability for the violation of my privacy.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to dispute certain personal information appearing on my credit report maintained by your bureau.

Upon reviewing my credit report, I noticed discrepancies in the personal information section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information.

Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report. ( XXXX XXXX, XX/XX/year> ). I certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report.

Enclosed with this letter are copies of documents that verify my correct personal information, including a government-issued identification card and any other supporting documents.

By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them.

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of 5 my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months.15 USC 1681s-2 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. 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. Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

These are the remarks that is not accurate. It makes the reports inaccurate. 

XXXX OK OK OK OK OK OK 60 30 OK OK OK OK OK OK 90 60 30 OK OK OK OK OK OK OK XXXX 30 OK OK OK OK OK OK 90 60 30 OK OK OK OK OK OK OK OK XXXX OK OK OK OK OK OK 60 30 OK OK OK OK OK 90 60 30 OK OK OK OK OK OK
Product: Student loan

I send XXXX check electronically every month at the same time for my daughter 's student loans, and they always arrive on time. NJ Class made a clerical error and did not log the XXXX checks on time, and claim that I paid late and now owe them this month 's and last months checks. I sent them proof of payment and they stated that those checks were for the previous month, which is incorrect. The payment is due on the XXXX of the month, and I always pay so that they get the payments by the end of the previous month, which is a few days early. These loans were for XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt to place a complaint to the CFPB. 

On XXXX I sent a letter to XXXX  regarding inaccurate and negative information on my credit report. 

It has currently been 53 days and I have yet to receive a response. 

I am being taken advantage of and my disputes are being ignored. 

Section 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. 

It has been over 53 days so they be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. 

My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

GOOD MORNING! - Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XX/XX/2023 XXXX XX/XX/2023 XXXXXXXX XXXX XXXXXXXX XX/XX/2023