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

*Name : * XXXX XXXX XXXX XXXX : * XXXX XXXX XXXX , XXXX XXXX, SC XXXX *Phone : * XXXX *Email : * XXXX *Complaint Filed Against : * *Bank Name : * Chase Bank *Account Type : * Business Checking *Account Name : * XXXX  XXXX XXXX XXXX Number : * XXXX *Branch or Department : * Fraud Department *Subject : * Unjustified Account Closure and Withholding of Funds *Description of Complaint : * I am filing this complaint against Chase Bank due to the unjustified closure of my business account and the withholding of over {$70000.00} in funds. The following is a summary of the events leading up to this complaint : 1. *Sudden Loss of Access : * On XXXX, I was suddenly unable to access my business bank account, which held over {$70000.00}. I received no prior notice or explanation from Chase Bank regarding this action. 

2. *Contact with Fraud Department : * After multiple attempts to contact Chase Bank , I was informed by the Fraud Department that my account had been flagged for potential fraud and that certain checks required verification. I complied with their requests and provided any necessary information. 

3. *Assurances Given : * I was repeatedly assured by Chase Bank representatives that my funds would be released after the necessary verifications were completed. However, these assurances were not honored. 

4. *Account Closure : * Without any further communication, my account was closed. I was then informed that a check for the remaining balance would be issued and mailed to me. Despite waiting for the check, it never arrived. 

5. *Continued Delays : * When I contacted Chase Bank again, I was told that additional checks needed to be verified, and my funds would remain inaccessible until this process was completed. Despite my cooperation and the verification of these checks by my customers, Chase Bank has refused to release my funds. 

6. *Lack of Communication and Transparency : * Throughout this process, Chase Bank has failed to provide a satisfactory explanation for the account closure and withholding of my funds. The lack of communication and transparency has caused significant disruption to my business operations. 


This situation has caused significant financial and operational harm to my business, and the behavior of Chase Bank is unacceptable. I request that your office investigate this matter promptly and take appropriate action to ensure that my rights as a consumer and business owner are protected. 

*Declaration : * I declare that the information provided in this complaint is true and accurate to the best of my knowledge. 

*Signature : * XXXX XXXX XXXXDate : XXXX
Product: Credit reporting

I complained to you several months ago about this same issue. I went through the process of obtaining my report online. I went through the process, completed the form, answered the questions and this pops up. They need to fix the EQUIFAX website. the XXXX and XXXX websites work fine. Without a report number, have you ever tried to call one of these places? I rather chew my hand off. 
I was denied credit recently and I want to see the report. I would prefer they fix the website but, if they have to, then place a copy in the mail but, only as a last resort. It 's a waste of paper
Product: Credit reporting or other personal consumer reports

I sent in the following XXXX XXXX XXXX dispute letters time stamp XX/XX/23 and I havent got a response from TransUnion & XXXX told me to wait 30 days its been past 30 days sense I got a response now Im ready to move forward with my complaint with your agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I only had 3 inquiries. Now this past week I had over 32 inquiries reported to my credit report with two accounts that were deleted from credit report more than 2 years ago.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) .Violations of the FCRA 1. Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. 
Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2. Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3. Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 
Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 
Requested Resolution To resolve this matter, I demand the following actions : 1. Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
2. Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
3. Immediately block or remove all inaccurate information resulting from the identity theft. 
If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Inaccurate information on credit profile closed accounts and 1 hard inquiry needs to be deleted XXXX XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX ( hard inquiry ) , XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Debt collection

The number has been calling me for weeks. When I answer they ask to speak to me. Then ask mw to verify my birthday. They never tell me who they are and why they are calling before. They told me the amount of the debt. Which is XXXX dollars more then what o owe. I asked them why they said they would reach out to the complex and ask why. I asked for a break down. I told them I was not paying more than what I owed. 2 reps told me they would send the break down or billing I have yet to recieve either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported late payments to credit reporting agencies : XXXX, XXXX, and XXXX. All of these companies have different information and are not accurate in each report. In accordance with the fair credit Reporting act XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. ( 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 ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; I would like every discrepancy removed from my report immediately.
Product: Debt collection

Pioneer, a division of Navient, has contacted friends and family about my student loan debt, even though they spoke with me at my phone number and I confirmed my address, which hasn't changed for 18 years. 
I am in the process of consolidating my loans, which I told her, and she insists that I work with her. I have been ignoring a dozen cell calls daily while I'm at work, and she is also repeatedly calling my wife 's cell at work. Yesterday and today, she has called my daughters, a friend 's daughter, friends, and my sister-in-law. We have the voice mails she left as evidence. 
This would only be okay if she was trying to locate me, which she doesn't need to do, since I spoke with her 3 weeks ago and confirmed my address, when she reached me at my phone number. 
I want her punished to the fullest extent of the law.
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 XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My name is XXXX XXXX and eight months ago I took a XXXX dollar check into the truist bank on XXXX XXXX XXXX XXXX. They allowed me to use the check to open a checking account. I ordered a debit card. All that. They told me I would be able to access my funds in 3 to 4 days. So, five days later I stepped back into the bank to pull out a XXXX XXXX dollars. I was Informed that without explanation, they decided not to open me an account. Thats fine. This was about eight months ago. I have spent this entire time trying to get my money back. I am a poor person. This money was my everything and it has been kept from me for no reason for eight months. To a degree, this theft has to be somewhat on purpose. I have walked the two miles up to that bank at least ten times. I have called customer service and waited on hold for hours on end for at least 50-100 times. If I go to the bank. They say I need to call customer service. I call customer service and they say its up to the branch to release those funds. They immediately closed my account upon opening it. Yet I get a monthly statement every month showing my XXXX dollars still in my closed account. I have begged these people for my money back. Begged. Its been 8 months. They are still holding it and giving me the run around. These people are thrives and deserve to be in handcuffs even if I get my money back. Just for keeping it from me for this long. My name is XXXX XXXX. My account number is XXXX. Birthday is XXXX. Please God help me. These monsters just hold my money while I starve. My only crime was being XXXX enough to trust them with it.
Product: Debt collection

A couple years ago I noticed money going in and out of my bank account which was not me so after noticing I called and closed my bank with no issues. About a year later I see a collection post on my credit which dramatically dropped my score for the amount of {$1900.00} and it said it was a loan. I never applied for a loan of any nature so i reported it instantly with Experian and they took a while just to deny it. I waited the required amount before disputing it again. After speaking on the phone and explaining the dispute it was promised to be further looked at but instead was denied. I tried once more with the same outcome and it was denied. Which made me unable to even attempt to dispute it again. I then was getting calls from a number of a Law firm so I answered and was told I owed {$1900.00} for a loan so i said No and explained my dispute. She then listened and said she would send me a packet. She sent me a packet which looks like an online loan that was applied through using my name, information, SSN, and Electronic made up signature for the amount of {$1200.00}. Which means they waited till full interest accrued before reporting it to my credit on a loan that I had no knowledge of and was falsely applied for. Please help as my credit is taking a toll from this.
Product: Credit card

On sept 10-12, 2023 i noticed a fraud charges on my credit card - XX/XX/XXXX XXXX  for {$1200.00} XXXX XXXX XXXX for {$1000.00} Chase credited me back for both charges, however on XX/XX/29 i noticed the XXXX charge for {$1000.00} back on my card. 
Chase says XXXX saw the online order had my home address listed so they recharged my card. 

ive never made any purchase at XXXX and do not know how to get this resolved. Chase is unwilling to dispute the fraud charge. 
when i call XXXX they ask me for order number or they can not help me which i do not have because i did not place the order. 

attached is my statement from XXXX that has the fraud charge and credit, and also attached is my statement from XXXX that has the XXXX recharge.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2013 I notified the three bureau 's of fraudulent accounts reporting on my credit report that continue to report despite the fact I followed the appropriate steps to prove the accounts do not belong to me. Please see accounts below that does not belong to me. 

XXXX/XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have sent a follow up 2nd Request for these accounts to be removed because I have not received responses from some of the bureaus in regards to this matter.
Product: Prepaid card

Attempted to use amex gift card at XXXX as well as XXXX, in both instances transactions were not authorized and XXXX cents was deducted from the card 's balance.
Product: Credit reporting or other personal consumer reports

The Following Accounts are fraudulent XXXX XXXX XXXX XXXX Bank XXXX Account XXXX ) XXXX Appliances XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is in misspelled in my Equifax credit report
Product: Credit reporting or other personal consumer reports

It's been reported through my XXXX XXXX  that my XXXX XXXX XXXX has been compromised, and it was found on XX/XX/year>. 
The information has been appearing is : Phone Number : ( XXXX ) XXXX Phone Number XXXX : ( XXXX ) XXXX Email Information Email Address : XXXX XXXX XXXX Is XXXX alerts that I got on my XXXX XXXX from XXXX  XXXX and XXXX from XXXX. 

Also, seems that the person with the ( XXXX ) has been trying to hack into my XXXX since XXXX. 
I remember I had a XXXX and the same person was trying to get into my XXXX with this.
Product: Credit card

I have a credit card with XXXX which is financed by Comenity Bank. I purchased several items under an advertised promotion which was 0 % interest if promotional purchases are paid within 6 months. If not paid in full, by the due date then you have to pay all interest that you would have accrued. That is fine. Because I am a compliance professional in the banking industry and understand how these promotions work with payment allocation and the high risk for UDAAP these types of programs create, I checked the balance on the promotional amount after several payments and it was n't being applied to the promotional amount, my overpayments were being applied to the revolving balance. I was paying more than my minimum to pay off the promotional balance but it decreasing the promotional amount. I had to call in and request that my payments were allocated to the promotional amount. There are several consumers I 'm sure who are not aware of the CARD ACT and how these promotional offers work. XXXX and Comenity should do a better job of explaining this to customers because otherwise, most customers will end up paying on the revolving balance instead of the promotional balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX  XXXX CT XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX  XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX Resident type Single family FCRA violations : accounts not mine XXXX  XXXX XXXX negative Date opened XX/XX/XXXX Balance {$380.00} Status Collection account. {$380.00}
Product: Student loan

Discharging my federal student loan. 

I am a former student of the XXXX of XXXX, From XXXX. I also was duped into enrolling with false promises! With aggressive recruiting tactics. That no matter what they wanted me on the the hook, With a federal loan, for A predatory school. With many of my instructors barely educated in the field themselves to which they were teaching. 

Am I to remain on the hook for debt I owe to the Department of Education? For a degree that is worthless, no more than the paper it is written on. 

The promises that were made to me and others at the art institute were that, at the end of my education I would be able to find a position in my field and begin the long road of repaying the loan back. 

But that was not the case. The job career center that the school offered only had jobs with really low paying positions, and had nothing to do with my field of study. An example being, a fast food restaurant. 

With more than XXXX in debt that can not realistically be paid off with the small amount of wages I currently receive and the HIGH cost of living.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently wrote a letter to the credit bureaus to do an investigation of my credit report to check the accuracy of the accounts and personal information. They stated all my accounts and personal information was accurate and update. So I did an even thorough investigation myself and found improper inaccuracies on my credit report even after they said they did there investigation. I Researched my own rights and found this .... in accordance with the Fair Credit Reporting act XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Below I am listing all the accounts that I found was to be wrong. Account Name : XXXX Account XXXX This Account is only being displayed on Transunion and no other bureau. I have tried to dispute this account with Transunion but with no luck. Account Name : XXXX Account Number : XXXX This account is only being reported on equifax and no other bureau. I have tried to dispute this account and with no luck. I am not sure what company this. Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX This account has different dates from last reporting to date last active. Account Name : XXXX XXXX Account Number : XXXX This account does not appear on Transunion but the other two are reporting different information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX. Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX ( XXXX XXXX XXXX XXXX XXXX in which is subcontracted through XXXX, XXXX XXXX XXXX, has violated my rights. 15 USC 1681 section 602 A. States : I have the right to privacy 15 USC 1681 Section 604 A Section 2 : Also states A consumer reporting agency can not furnish a account without my written instructions. 15 USC 1692 Section 805 A States : A debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the Consumer.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to TransUnion via USPS certified mail, tracking number XXXX XXXX XXXX XXXX XXXX XXXX. In this letter, I requested an investigation into several inaccurate items listed on my credit report. In addition to the above disputes, I also requested the correction of incorrect personal information on my credit report. To facilitate the verification of my identity and address, I included the following documents with my dispute letter : a copy of my photo ID, social security card, and recent bill with my current address to help TransUnion verify my identity and address. 

Despite my timely and certified mailing of the dispute letter and providing sufficient documentation to verify my identity, TransUnion has refused to conduct the investigation. As per the Fair Credit Reporting Act ( FCRA ), TransUnion must investigate disputed information and provide results within 30 days of receiving my dispute. 

The response I received back from TransUnion dated XX/XX/year>, stated the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.