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

My direct deposit has arrived on time every other Thursday in my Chase account for about XXXX years now. Today, it was never received AND my account is in the negative. I was expecting my paycheck to cover the negative fee before any other fees were added, but since Chase is not loading my paycheck, my account now is an extra {$50.00} overdrawn because of CHASE. I am extremely frustrated because customer service is not answering!!!
Product: Credit reporting

I XXXX XXXX XXXX, was a cosigner for a personal loan from XXXX. the loan was paid for in full about two years ago, how ever my credit report shows that the loan is still active. I am attaching an letter from XXXX, stating that the loan was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau Dispute Affidavit XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Ohio XXXX SS XXXX DOB XXXX I have noticed several unauthorized accounts on my credit report where someone has used my personal information to obtain multiple bogus accounts. These following accounts were created without my knowledge : XXXX  # XXXX, XXXX XXXX XXXX # XXXX I've requested documents from the companies mentioned above. I never received anything. 


All other addresses are not accurate. 
Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX This is my only number XXXX ) XXXX All other telephone numbers are not accurate. 

Please REMOVE/DELETE these telephone numbers IMMEDIATELY : 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

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. 

Despite my submission of the required FTC complaint, your bureau continues to report this fraudulent account on my credit report. I want to emphasize that I have already contacted the banks associated with this account, submitted the necessary documents, and had the account promptly deleted from their records. 
Moreover, other credit bureaus have already removed this account from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting this fraudulent account. 
I request that you promptly remove this account from my credit report, in alignment with the actions taken by other credit bureaus. Failure to do so will compel me to pursue legal action. 
XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, I discussed the potential that phony accounts may have been reported on my consumer file with representatives from XXXX, XXXX, and Transunion. I begged them to delete the accounts because I didn't know how they got there or anything about them. All three businesses gave me the go-ahead to submit paperwork and complete an FTC report XXXX On XX/XX/22, submitted my letters via certified mail. The accounts were somehow " confirmed, '' despite the fact that they are not mine and had been on my report for more than 30 days after I sent my letters. This problem has me baffled and irritated since it prevents my family and I from being able to purchase. On XX/XX/22, I called all three companies once more and asked how they could establish that these accounts belonged to me. They only stated that they were unable to assist any further and advised me to contact the creditors directly. It didn't surprise me when I made an effort to get in touch with each creditor who had been erroneously asserting on the consumer file that they were unaware of me or the accounts. I had run out of options, so I went online and found the CFPB website, which some of my friends had advised would be helpful in my circumstance. I sincerely hope that this is helpful since my family and I are trying to apply for a house.
Product: Mortgage

This information was improperly placed on my credit report. this account was fraudulently placed on my account with out my knowledge.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it's essential for consumer reporting agencies like XXXX and XXXX to handle their responsibilities with fairness and respect for privacy. As a consumer, I have the right to ensure my private information remains secure, supported by 15 USC 6801, which emphasizes the obligation of financial institutions to protect customer privacy. Section 604a ( 2 ) of 15 USC 1681 specifies that consumer reporting agencies can only furnish reports with the explicit written consent of the consumer. I haven't provided such consent to XXXX XXXX, or any financial institution. Additionally, 15 USC 6802 ( b ) ( c ) dictates that financial institutions must inform consumers about their right to withhold personal information, which was not done by the information furnishers. Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information without authorization, which they've done unlawfully. Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, and Equifax and Experian are not maintaining adequate procedures to prevent violations. Lastly, according to 12 CFR 1016.7, consumers have the right to opt out at any time, and I am exercising that right regarding their reporting services.
Product: Credit reporting

I have XXXX accounts that are reporting incorrectly nj federal court account # XXXX this is reporting incorrectly XXXX account # XXXX this is reporting incorrectly nissan infinity account # XXXX this is reporting incorrectly all XXXX accounts are reporting incorrect data and need to be corrected
Product: Student loan

Payments are not being added to my account in a timely manner. Also, checks are being shown as being deposited via the bank but not on the account. This has been going on for 6 months.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX my credit score dropped XXXX points for paying my credit card on time. I paid my discover from {$4600.00} to {$790.00} and lost XXXX points from it. I called Transunion and XXXX ensured she would correct the error and update my credit report.
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 XXXX XXXX 
Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account number : XXXX has violated my rights. Or 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 XXXX 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: Checking or savings account

I am submitting a complaint to Chase Bank regarding their failure to remit the contents of a closed Chase Total Checking account back to me in a timely manner. 
// On XX/XX/2021, my spouse 's employer direct-deposited {$810.00} into my Chase Total Checking account. On the same day, I attempted to transfer the same amount into an external ( XXXXXXXX XXXX ) checking account, using the XXXX service. I immediately received an email stating that my XXXX transfer had been canceled. 
// Upon attempting to log back into my account several minutes later, in order to determine why the XXXX transaction had failed, the online system stated that my account was locked, and that I needed to call a XXXX number in order to unlock it. 
// On XX/XX/2021, at approximately XXXX XXXX, I called the requisite number and spent more than an hour on hold. Upon being connected to a Chase representative, I was informed that my checking account was not locked, but rather closed. I requested information as to the reason for the closure, and the representative was unable to provide any. I then requested information as to when I would receive my balance back ( approximately {$850.00} ), and the representative also did not provide a timeline. I then asked if there was another person I could speak with, and was told that there was no one else I could speak with. The representative then ended the call before I could ask additional questions. My total time of interaction with this representative was shorter than 3 minutes. 
// Immediately after being hung up on, I dialed the same number again, in hopes of gaining additional information. This was around XXXX XXXX. After spending approximately 1 hour on hold, the Chase automated system informed me that an error had occurred, and that my call would be terminated. The system then hung up on me without connecting me to a live person. 
// On XX/XX/XXXX, I visited my local Chase branch to request additional information. The branch representative called a Chase remote office, and was once again informed that the account was closed, and that no further information was available. The representative then informed me that a check containing the account balance ( approximately {$850.00} ) was already in the mail to me, and that I should expect it within several days. I was informed that there was no tracking information or other means of confirming the arrival date of this check. 
// It is now XX/XX/XXXX, and I have received no such check. I have also received no further communication from Chase Bank, neither by email, nor by phone, nor by mail. 
// This is utterly unacceptable anti-consumer behavior. Not having access to nearly {$1000.00} of my own money for more than a month has caused significant financial strain. I intend to pursue this issue against Chase to the fullest legal extent available to me, and I look forward to your rapid and full resolution of this issue.
Product: Credit card

XXXX and Chase heavily advertised that any airline tickets purchased through XXXX would come with XXXX free checked bag. At check on, I was charged a {$25.00} baggage fee and was told by the person at the counter that this was just what happened. I anticipate that this will happen at each of the XXXX legs of the particular trip.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA, XXXX XXXX XXXX XXXX  XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$120.00}
Product: Debt collection

was contacted by radius global solutions llc to collect debt that they bought from other collector i send a letter to them to validate my debt they responded with some printouts that was not original and at any of the documents they sent was my signature that the debt belongs to me or that i'm consenting to pay for any services i sent another letter specifically asking for my signature and they reply that i did not asked for nothing new and they are not responding to my request
Product: Checking or savings account

USAA closed my savings account for not having a signature card on file. I know that they are legally entitled to do this, and while I think their notification process is woefully inadequate, that is not the source of my complaint. 

I was mailed a check with the balance of my savings account with a notice on the document stating " Notice : As per AK law, this check with reasonable identification can be presented for immediate payment at the XXXXXXXX XXXX XXXX XXXX XXXX '' ( see attached document ) When I went to the XXXX XXXX XXXX XXXX XXXX I was told they would not cash the check because they had an agreement with USAA to cash these types of check but that agreement had expired about 6 months prior. 

When I called the customer service line for USAA I was told my only options are to find another bank that will cash the check ( without having an account at that bank ) or deposit the check into my USAA checking account. No explanation was given as to why the law their own document cited was not being followed.
Product: Credit card or prepaid card

I opened this account in XX/XX/XXXX, when Citibank took over the rewards program for Best Buy. I experienced some financial distress in the 3rd quarter of XX/XX/XXXX and enrolled in a debt settlement program in which I actively negotiated debt settlement with 3 credit card companies ( but intentionally NOT this credit card - I liked the lower limits and the terms, and was easily able to pay off the card in full each month ). While in the process of implementing the program, I was advised to stop making payments to the credit cards I was trying to enroll in the program, and as such my credit took a hit. I have since resolved the situation and am working on repairing my credit. I actively paid off one of the 3 accounts I  was attempting to settle, and am current with all of my other payments. All throughout this process, I have never fallen delinquent on my payments for the Citibank card, and have paid the balance in full each month. 

I was very taken by surprise for them to decide to not renew my account this month. I was dependent upon this card as a part of my budget. Further - I was not given any advance notice of them deciding to close my account. When I went to pay my bill, I logged in and found that they sent me an electronic letter explaining that they reviewed my account and decided not to renew due to my credit score being what it was. And now, because my debt to credit ratio will be affected by them closing the account, it will further set me back with my credit repair process and will lower my credit score even more. 

I am unbelievably disappointed with Citibank, and would advise people to avoid opening accounts with them.
Product: Credit reporting or other personal consumer reports

I paid off my loan and credit cards XX/XX/XXXX and it is not updated with the companies on my credit report with all credit bureaus as {$0.00} balance. They reported on XX/XX/XXXX on my new credit report that I have a balance. This is for both loans and credit cards. I called the credit bureaus and they did not update the info. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The amounts I paid are attached.
Product: Credit card or prepaid card

On XX/XX/16 I tried submitting a purchase protection claim for my Chase credit card through their website eclaimsline.com. At the very end of the process you are required to provide a phone number to get a text - a feature that repeatedly failed to work. I then proceeded to try to use their contact form at https : //www.eclaimsline.com/XXXX and after filling out all of the information it also returned a message that an error occured please try again. 

I feel that this website is so shoddily constructed with every error requiring the customer to complete the process over and over again that it is specifically designed to discourage people from filing claims.
Product: Debt collection

i Have been contacted by a debt collector on several occasions. Expressed to them that the total debt does not belong to me. After being sent an email to settle for {$700.00} on XX/XX/2020, Original amount was ( XXXX ). I disagreed because most of the debt is late fees that was charged on the account before it went into collections from the original company. I had expressed before account went into collections that this debt does not belong to me because I never used that much line of credit. They continued to ignore me causing the debt to increase because of late payments making it a total of ( XXXX ) which is mostly late fees. After disbursing this online and refusing to pay the {$700.00}, I received a derogatory mark on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reports an incorrect debt collection to the Credit Reporting Agencies (CRAs) with an open date ofXX/XX/XXXX. This is an invalid debt collection, and an invalid date, and it needs to be removed from my credit reports immediately.I have tried to resolve this issue with XXXX XXXX multiple times via phone calls (XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX), emails (XX/XX/XXXX and XX/XX/XXXX), and written letters (XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX). XXXX XXXX continuing to report this inaccurate debt collection has directly led to me being denied for credit cards XX/XX/XXXX), auto loans (XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX), and has increased car insurance quotes (XX/XX/XXXX).XXXX XXXX claims that I was refunded $XXXX on XX/XX/XXXX and another $XXXX on XX/XX/XXXX. I refuted this claim by sending XXXX XXXX my XXXX and XXXX bank account statements proving that 1) there was a $XXXX  withdraw from XXXX XXXX and 2) I never received the $XXXX in return to my bank account on or around XX/XX/XXXX orXX/XX/XXXX. In addition, XXXX XXXX XXXX claims that I received receipts for two separate $XXXX returns onXX/XX/XXXX. I again supplied XXXX XXXX XXXX with my XXXX bank account statement proving once again that I never received these returns on or around XX/XX/XXXX.Lastly, XXXX XXXX XXXX also inaccurately reports the date this inaccurate collection. They claim a date ofXX/XX/XXXX. The last instance I was even at XXXX XXXX was XX/XX/XXXX. That is 13 months earlier than the date they are reporting to the CRAs.In addition, I have tried resolving this with Equifax, XXXX, and XXXX. I have sent all three CRAs my bank statements clearly proving that this XXXX XXXX debt collection is completely inaccurate and needs to be removed IMMEDIATELY from all of my credit reports.Attached you will find screenshots of my bank statements proving that I absolutely paid the $XXXX and a definitely NEVER received a $XXXX. XXXX XXXX's debt collection needs to be removed from my Credit Reports immediately.
Product: Credit reporting

I fully paid account and closed it. The credit card owed me a balance of {$50.00}. 
I had to call and have the amount checked and put in the account. 
Now the account is being reported as restricted, dropping my credit score during the holiday shopping season. High interest, annual fees, and poor service is why I closed this account. I believe this was a malicious act ... 
XXXX XXXX account # XXXX Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or XXXX ) consumer report, and I noticed some late payments posted on my consumer report : NISSAN-INFINITI LT Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( Put the Creditor Name here ) Making the report is not INCLUDED on my Consumer report! 
Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included in the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 

You have 10 calendar days to update my Payment history and or delete all late payments from the below account/s NISSAN-INFINITI LT XXXX XXXX ) Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character Negligent Non Compliance Civil Liability Mental Anguish Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards,
Product: Credit reporting

I recently visited Experian, XXXX, and XXXX websites and purchased the credit score and reports products. The issue is that when I apply for loan through a lender all XXXX credit scores were completely different and drastically lower than what the website showed compared to what the lender provided me with. I contacted the XXXX credit bureau 's and they told me my score was based off educational score which when explained to me did not make sense. I then contacted lender and went to there office provided the online scores from each credit bureau 's. The lender explained that scores would vary but should n't have varied that much. Experian shows XXXX actual XXXX ; XXXX shows XXXX actual XXXX ; XXXX shows XXXX actual XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

would like to get all these unauthorized inquires removed from my credit report XXXX creditXXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX  inquired on XX/XX/XXXX, XXXX  XXXX  inquired on XX/XX/XXXX, XXXX XXXX  XXXX inquired on XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXXXXXX XXXX  inquired XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXX inquired on XX/XX/XXXX, XXXXXXXX XXXX XXXX inquired on XX/XX/XXXX, XXXXXXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX inquired XXXX, XXXX, XXXX, XXXX XXXX XXXX  XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX, XXXX-XXXX  inquired on XX/XX/XXXX, XXXX-XXXX  inquired XX/XX/XXXX, XXXX inquired XX/XX/XXXX, XXXX XXXX inquired XX/XX/XXXX, XXXX XXXX  inquired XX/XX/XXXX, XXXX XXXX inquired XX/XX/XXXX XXXX Great XXXX XXXX inquired XX/XX/XXXX, XXXX XXXX inquired XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX inquired XXXX XX/XX/XXXX XXXX
Product: Debt collection

Enhances recover company XXXX XXXX FL, XXXX Account # XXXX This company has been informed on several occasions that the account that they 're attempting to collect on was included in my bankruptcy. After supplying them with proof of my bankruptcy the collection attempts continues. They are making it very difficult to obtain credit with the inaccurate information they 're reporting to the credit bureaus.