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

I closed all 3 family Chase accounts in late XXXX of 2019. I also cancelled a mortgage re-fi with Chase.  The reason was that the local branch made an error and the employees and branch manager refused to correct the error. 

Chase, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, IL XXXX Now, more than a year later, I am receiving emails from Chase that come from no-reply accounts, there is no online contact form, and no way to contact them via any method, because all methods require an active account and account number. 

I am also receiving phone calls from Chase employees telling me we are on a recorded line. I tell them I have no account with Chase and hang up. 

I have verified that both the emails and the calls are coming from Chase, not spammers or phishers. The IPs of the email servers belong to Chase. The phone numbers are registered with Chase.

The latest email says Chase has received my request to change my email address. I made no such request ; I have no account or profile with them. 

Either Chase is harassing me, or there's someone in Chase using previously closed accounts to commit fraud. Much like the " secret '' accounts at XXXX XXXX. 

I want it to stop.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I disputed my XXXX  XXXX account # XXXX This account has been opened since XXXX & has been reporting since It is in good standing with a balance of XXXX cents It currently shows no data but has been reporting for years. I requested it report accurately but they refuse to report it
Product: Debt collection

I don't have an itemized explanation of the debt from the collector, However, they say that I owe {$2100.00} to a Creditor named XXXX XXXX for legal fees, cleaning, and rent which is not applicable to me. I think they are starting from XX/XX/2019 which is before the time I legally moved from the Apartment. 

The Collection agency is IQ DATA INTERNATIONAL. XXXX XXXX XXXX, XXXX, WASHINGTON XXXX. 

THE CREDITOR IS XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX CT XXXX. 

THIS CREDITOR IS SCAMMING TENANTS TO MAKE MONEY.
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian on XX/XX/2023 to reinvestigate inaccuracies in my credit file. Reinvestigation was completed in less than 48 hours on XX/XX/2023. Proper procedures were not followed therefore treating my file unfair and impartial. I also did not receive results of the completed reinvestigation. Items are still inaccurate and unverified. I also am requesting a description of procedures used to determine completeness of the reinvestigation. Experian is out of compliance with FCRA with proper procedures of reinvestigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX ) XXXX XXXX, 2024 XXXX XXXX XXXX ( XXXX ) XXXX XXXX, 2024XX/XX/XXXXXXXX XXXX, 2024 XXXX XXXX ( XXXX ) XXXX XXXX, 2024 XXXX XXXX XXXX ( XX/XX/XXXXXX/XX/2024 2024
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information contained in my consumer report provided by your company. As a veteran, my information is protected under laws that safeguard against breaches of personal information, including the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Texas Fair Credit Reporting Act, Tex. Bus. & Comm. Code 20.01 et seq. 

I am requesting the following corrections : XXXX. The late payments reported on my XXXX XXXX  XXXX XXXX  account in XXXX and XX/XX/2018 were the result of a natural disaster ( severe storm ) that caused the city of XXXX to be shut down. Per the FCRA, XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) and ( B ), creditors are prohibited from reporting negative information that is the result of circumstances beyond the consumer 's control. Additionally, these late payments are over XXXX XXXX XXXX and exceed the XXXX reporting limit under the Texas Fair Credit Reporting Act, Tex. Bus. & Comm. Code 20.05 ( a ). I am requesting these late payments be removed from my credit report. 
XXXX. The charge-off accounts reported, including XXXX XXXX and XXXX, do not have the required Form 1099-C, Cancellation of Debt, documentation from the creditors as mandated by the Internal Revenue Code, 26 U.S.C. 6050P. Without this documentation, the FCRA prohibits these charge-offs from being reported on my credit file. I am requesting these charge-off accounts be removed. 
3. My full legal name is not the hyphenated version that is currently reported. Under the FCRA, 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. The reporting of my name in an inaccurate format does not meet this standard, and I am requesting my name be updated to the proper legal name. No other variation is accepted. Please investigate this matter and provide a response within the 30-day timeframe required under the FCRA, 15 U.S.C. 1681i ( a ).
Product: Credit reporting or other personal consumer reports

I called Sams Club multiple times in the last 18 months and have requested to be removed as an authorized user. The account holder has also called to have me removed from account and when we call Sams Club States i have been removed but the account still shows on my credit reports.
Product: Debt collection

Capital One has been calling me between the hours of XXXX and XXXX since XX/XX/XXXX. On XX/XX/XXXX I finally answered the phone and told them to not call me at this time anymore. The calls did not start again until XX/XX/XXXX when I received a phone call at XXXX. I answered and let the woman know that I was XXXX where I resided. Although she was very apologetic and exclaimed that she would file a complaint on my behalf to inform Capital One of my annoyance of their calls, she persisted to attempt to collect a debt from me. I spoke with her for 7 mins as she set a payment arrangement. She knew that it was wrong to continue to talk to me. So fast forward to XX/XX/XXXX, Capital One called me at XXXX and called on XX/XX/XXXX at  XXXX, and on XX/XX/XXXX at XXXX. They know the time zone that I live in but continue to call me at these early hours which are definitely against the law. I have
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, these accounts have been " VERIFIED. ". Under 15USC 1681 Experian has violated my rights for fair reporting. Accounts listed below are shown as reporting accurate and are not. I have attached a copy of my credit report showing the inaccuracies of the proposed verified accounts. Under 15USC article 1681, this creditor MUST remove the accounts Listed below as they are in violation. 

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: Money transfer, virtual currency, or money service

I received a settlement check and took it to my bank. the cashier refused to process the check because the check did not have my name on it. It was blank. I showed them the disbursement document issued by my lawyer 's office but that did not help. I wrote my name on the check, still they refused to process the check. I deposited the check using the ATM. After several days I received a letter from the bank refusing the check because " it is altered ''. i made an appointment and went to ask for an explanation from the bank. the designated bank representative explained to me that they refused to process the check because my name was not printed on the check and was handwritten. i asked them if that illegal to have the name handwritten on the check. the response was " even if it is legal does not mean it is right ''! I protested that they refuse a properly written check just because they did not like the way it was written and asked if they run checks to verify its authenticity. no response was given. the bank representative said she did not think they run any checks. I asked to retrieve the check. they refused to give the check back to me. they said that I should get another check from the party who wrote the check to me.
Product: Credit reporting or other personal consumer reports

Kohl's/capital one credit card. This account was supposedly closed and charged off almost 6 years ago. They haven't reported anything in 5 years. It was disputed to have removed. Now since XXXX, XXXX, XXXX XXXX keeps dropping my credit score on numerous occasions XXXX points, and I disputed and it was corrected, then it was dropped another XXXX points again. And in between XXXX points here, XXXX points there, etc they keep telling me Kohl 's removed a remark that says account dispute resolved? I went through this with XXXX and XXXX and it's been fixed. But something with XXXX and Kohl 's is not right. No one 's score is going to keep dropping like this. I have no late payments and all 3 of my scores with all 3 credit beauras were in the XXXX all my cards are in good standings and never late.as stated this has been on my reports for almost 6 years and all of a sudden 6 years later this continues to happen dropping my score by insane numbers every 2 weeks for no reason? Please help!
Product: Credit card or prepaid card

During TD Bank 's botched system upgrade which made the news : XXXX : XXXX I was unable to access any of my accounts for 3 months due to technical problems that had to be fixed by TD Bank 's IT department. This was resolved in a phone call. 

This is fine because I had automatic payments set up to always pay $ XXXX/month. 

But as you can see, the payments were not being applied to statements and late fees were assessed before 30 days after the last payment. This issue was fixed later. 

I spoke to customer support multiple times about this and they refused to provide any assistance despite this being their fault completely.
Product: Payday loan, title loan, or personal loan

I called Multiple times to pay my loan in full and every time I called they said someone will call me, well no one called me. I waited all day someone called me from an unlisted number. that number that you can not call back then as soon as I pick up the phone they hang up immediately. I tried on the website I try to pay in full then they change the website configuration to where only shows an outstanding balance of a loan and your loan ID. I called multiple times I got the runaround it wasnt until I submitted a complaint with you guys and the XX/XX/XXXX did somebody finally called me and then took my information and said it would take two or three days .... still has not cleared and Im afraid they will continue taking money out of my account. Below is an email sent to me by them. This is a predatory loan business specifically they go out of their way not to let you pay a loan in full for a loan of {$600.00} by the time is paid in full you pay almost {$4000.00} My loan number is-XXXX NationalSmallLoan.com XX/XX/XXXX, XXXX XXXX National Small Loan XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/2021 Dear XXXX XXXX, Thank you for recently sharing your concerns with National Small Loan. 

Your complaint has been received and has been forwarded to the appropriate department for further review. Once that review has been completed, we will reach back out to you. 

If you have any additional concerns or questions, please do not hesitate to contact us. When responding to this email, please be sure to include your full name and last 4 digits of your Social Security Number for proper identification. 

Sincerely, National Small Loan www.nationalsmallloan.com XXXX Phone : XXXX Fax : XXXX Notice of Confidentiality : All content and information included and/or attached in this electronic mail transmission is considered to be confidential and is intended for the addressee only. All content is considered to be NationalSmallLoan.com 's exclusive copyrighted property. Any unauthorized reproduction, distribution, publication, or disclosure is expressly prohibited without the express written consent of the company. If you believe this e-mail message has reached you in error, please notify the sender by replying to the transmission. Please delete this message without disclosing or copying it.
Product: Mortgage

Regions Bank : On XX/XX/XXXX I inquired by phone if physician mortgage program existed at Regions bank in state of Utah. The loan officer assured me it was and went over the program details. I provided my personal information for application. The loan officer did not return my call on XX/XX/XXXX. After again reaching out to the bank on Mon. XX/XX/XXXX the same loan officer, after pulling my credit informed me that the program discussed, and authorized for credit check, does in fact not exist. Was told I could not speak to a manager.
Product: Money transfer, virtual currency, or money service

Please see attached additional documentation from XXXX refusing to allow me to redeem my money so I can put it back in my checking account. Refer to compliant ID XXXX.as continuation of the case matter. 

Thank you, XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts I have marked as inaccurate : : 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: Checking or savings account

XX/XX/2022 ACH transaction by XXXX XXXX XXXX for {$2700.00} XX/XX/2022 ACH transaction by XXXX XXXX XXXX for {$1000.00} XX/XX/2022 ACH transaction by XXXX XXXX XXXX for {$10.00} XX/XX/2022 ACH transaction by alpacasecurities for {$1000.00} Suncoast Credit Union has returned the {$1000.00} by XXXX, but not the remaining XXXX transactions from XXXX. These transactions were made from our savings account. The bank did not notify us of these odd occurrences on our account although we signed up for notifications. To make matters worse, we went to the bank in XXXX to sign up our daughter for her first checking account. They failed to notify us then of these XXXX transaction during the visit. 

We noticed the issue XX/XX/2022 and had them file an affidavit of fraud on XX/XX/2022. My husband called today and they said the transactions were too far out of date to take further action.
Product: Debt collection

I purchased services on XX/XX/XXXX. I paid a XXXX dollar deposit and signed up for financing. XXXX was set for XX/XX/XXXX but I received info regarding the XXXX  and due to a XXXX XXXX. Due to this I reached out to cancel Services. I was told I would lose out on my deposit but everything is good. A few months later started receiving calls from collection agency. They told me to reach out to the office to which I did. And they said everything was okay to just dispute it and it should fall off because I never received any XXXX. This was XXXX years ago. Now they debt has been moved around and I cant figure out who to contact to settle this.
Product: Money transfer, virtual currency, or money service

mis information on my XXXX  account via chase bank and XXXX  XXXX XXXX. information for recepients were wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I reached out to the FTC and to my local police department. These items need to be deleted from credit report 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, and XXXX XXXX. I am doing all of this on my own.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXX XXXX  : TransUnion XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I moved out XX/XX/XXXX  and was told I would receive notice of the balance owed, if any. No letter or call was submitted and this showed up on my credit report. I tried contacting southern management systems and they told me they would take legal action, however I still have not been provided with any information on how the amount was determined
Product: Debt collection

I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt. I demand to see a written instrument bearing with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Credit Inquiries on my Equifax and XXXX Credit Reports : XX/XX/2017 XX/XX/2017 These are Unauthorized Inquiries, that I still to this day question where this came from I have tried to work this out with XXXX XXXX on this and they refuse to Address this situation. I will continue to file complaints from this point forwarded and increase the pressure until they properly address this issue or delete all the hard inquiries off my credit reports. A new complaint will be submitted every 15 days until a resolution is met EQUIFAX AND XXXX : They refuse to even investigate the issue I have asked them many of times and they continue to say its just a record, and that it may be but to me it more than just a record. Equifax and XXXX continues to break the Fair Credit Reporting Laws that clearly states the following : That I have the right to dispute incomplete or inaccurate information. If I identify information in my file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 

*****Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. ***** I have asked XXXX  and Equifax to investigate and they are NOT PROPERLY INVESTIGATING my disputes not when they release an update in 1-2 Days. I demand that XXXX AND EQUIFAX INVESTIGATE THIS MATTER. I WILL ALSO SEND A COPY OF THIS COMPLAINT TO THE CEO 's of XXXX   AND EQUIFAX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax disputed accounts are sent back as verified and are entirely inaccurate, incomplete and represent very serious errors in their reporting. Company is in violation of 15 U.S.C. 1681. XXXX required under the FCRA to have properly verified the accuracy of accounts listed on my credit report with physical documents. Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that Equifax cant just verify my accounts by telling me they are verified. Nor can Equifax verify my accounts by telling me to contact the creditor of the accounts I disputed as Verified. This means that IF Equifax cant send me proof of these accounts from THEIR COMPANY, it must come off. All in all, Equifax has ignored my request to provided me with the documents that it has in their files that Equifax used to verify the disputed accounts which means that Equifax have NOT verified or can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA Equifax is required to ... promptly delete all information which can not be verified. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX Account XXXX This account needs to be removed IMMEDIATELY via FCRA section 609. XXXX XXXX XXXX Account XXXX This account needs to be removed IMMEDIATELY via FCRA section XXXX. Equifax fails to comply with federal regulations by credit reporting agencies. Equifax is guilty of : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Thank you, XXXX XXXX
Product: Credit card or prepaid card

I tried to find out how much I owed Bank of America by calling their phone. They would not give me the amount until I gave them information on my brother & son who have nothing to do with our cards or money. They wanted personal information like where they lived & more. We have always paid on time. I never got the amount owed.
Product: Debt collection

I spoke to them again today XX/XX/2021 about this debt. Ive spoken to them several times about this debt because theyve threatened to file a lawsuit against me. Today I spoke to the original debtor who told me I owed {$53.00} which is fine I have no problem paying that. ComenityCB/XXXX  is who the XXXX XXXX is actually through and they say I owe over a {$1000.00}.