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

I have filed several unauthorized disputes with Chime and when filing the agent said I do qualify for temporary credit to my account while they dispute transactions. They have held my money up and denied some of my disputes. This has caused me to go into eviction and possibly lose my home. I am a single moth to XXXX XXXX XXXX and I'm about to be homeless thanks to Chime for allowing these scammers to take my money when I did not authorize the charges.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>XXXX I noticed that I was a victim of identity theft and the XXXX data breach. I became aware that my personal information, housing locations, Social security, birthdate and other information was compromised when my information was leaked. Since the Breach, I have discovered several negative and unauthorized accounts that were not opened by me. I did not authorize these accounts or transactions and have taken immediate steps to secure my personal information. There are a list of account that have been affected and I am requesting that these accounts be closed or flagged as fraudulent and that the activity is not reported to my credit. I also request a copy of the Identity theft report for my records. I will be also submitting my government Id and other relevant identifications as proof.
Product: Credit reporting or other personal consumer reports

Company did not investigate and remove accounts. Have disputed multiple times.
Product: Credit card

Goldman Sachs closed by my Apple Card for some reason after requesting a credit balance refund in the amount of {$1100.00} on XXXX XXXX I requested to ask why and they couldnt tell me however my savings account is still open and functional. I requested to have my balance sent back to me via check and they told me that they have no information available and cant help me. They have been illegally holding this balance since XXXX and will not issue the credit balance refund despite it being my money I demand my money be returned to me either direct deposit in my account ending in XXXX or via check and the rest of my accounts with Goldman Sachs be closed or an apology with my account reinstated as this has been very frustrating.
Product: Checking or savings account

My Name is XXXX XXXX XXXX i am president of Nonprofit organization name XXXX XXXX XXXXXXXX XXXX and business account # XXXX with Chase Bank. The account was opened XX/XX/year> and I deposit the the funds in the account on XX/XX/year>. On XX/XX/year> until XX/XX/year> some one withdraw the money several time from the the account with ATM. Also some one deposit a fake three check in the account. But until XX/XX/year> i never received ATM from the bank. I noticed this all when i received the monthly statement. I contact with the bank file claims many time but they keep denying it. Then after two month they ask me file police report which i did and send them copy of it. But still until today they keep denying the claims and they blame on me. But here under oath i am telling you that i never used the ATM to with draw any money. At this point i called many time also talked with bank manager but claims department keep denying. Please help me out.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX- T - Post Date via XXXX XXXX XXXX withdrawal XXXX XXXX -XX/XX/XXXX-XX/XX/XXXX PayPal - XXXX XXXX - XXXX- XXXX - Various purchases XX/XX/XXXX-XX/XX/XXXX I am discovering I am a victim of identity theft, my information was obtained by a previous in-law and used fro nefarious purposes. 
I began to notice the shift around XX/XX/XXXX and have been suffering sense.
Product: Credit card or prepaid card

I appied for a Citi Bank secured card approximately two weeks ago. I called there approval Department and the representative said I was approved for an account with Citibank and that I will receive the instructions in the mail to set up my account. On XX/XX/2018 I receive information that my application was denied
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX  and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my XXXX credit report and noticed Inquiries which I did not give authorization. The inquiries in question are as follows : XXXX XXXX  credit cards. XXXX date XX/XX/XXXX JPMCB bank credit card. Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX credit card Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry dare XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX credit card. XXXX date XX/XX/XXXX XXXX bank credit card. XXXX date XX/XX/XXXX XXXX XXXX XXXX reseller. XXXX date XX/XX/XXXX XXXX Mortgage reporters. Inquiry date XX/XX/XXXX I have reached out to the companies who pulled my credit report as well as XXXX to resolve this act of FRAUD, but to this date I have had no resolution from either party. I want these FRAUDULENT, unauthorized inquiries to be deleted from my XXXX credit report. They are damaging both my credit rating as well as my fear of being a victim of Identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 XXXXXX/XX/XXXX
Product: Mortgage

My mortgage lender ( Bank of America ) has done XXXX specific things that have cost me significant time and money:1 ) They refused to cancel my PMI for several months despite the remaining value of the mortgage falling below 80 % of the purchase price of the home. They claimed late payment for one or two mortgage payments as the cause for continuing to charge PMI yet the payments were set up as recurring in their system. Due to their system error, my payments were late ( both my checking account and mortgage are with Bank of America ). I was refunded the late fees because it was their error yet they still charged me PMI past the 80 % threshold. 
2 ) They are taking an egregious amount of time to process my refinancing and continue to increase the fees. I began the process of refinancing my mortgage in XX/XX/XXXX. I lost my job two months later and Bank of America was not able to complete the refinancing in those two months so I was stuck with a higher cost mortgage while unemployed. I now have a new job and re-started the refinancing process two months ago. This past week, they asked me what kind of home is subject to the mortgage. They have held the mortgage for nearly ten years, had me pay for an appraisal earlier this year and still do not know what kind of home it is? In addition, the fees they intend to charge have gone up significantly from earlier this year to today - an increase of over {$3000.00}. I am just frustrated because each month that passes is an additional month that I pay a higher interest rate. I am essentially paying them to take their time. On top of that, they are increasing the fees and asking me to pay for a XXXX appraisal in XXXX months. 

Finally, I have tried repeatedly for literally years to get a copy of the loan documentation from Bank of America where we agreed on the PMI and they have not been able to locate it. They have told me that I needed to pay PMI and did not have a choice in the matter and it does not matter that they have no record of me signing any documentation related to PMI.
Product: Credit card or prepaid card

Case Number XXXX I requested Capital One to reopen and investigate the dispute on my behalf. First dispute that was opened as " fraudulent charge '' ( since I didn't not authorize the hotel to charge my card and I didnt know where the charge come from ) was closed and second dispute got closed because first one got closed. I called and sent multiple letters to reopen and alll got ignored. I would like to reopen and continue dispute case with XXXX XXXX. I stayed at XXXXXXXX XXXX XX/XX/2022 XX/XX/2022 and paid for my reservation {$490.00} upon checking out after my room got inspected I was given a final receipt. On XX/XX/2022 hotel billed my credit card for additional XXXX XXXX for what I found out later were charges related to the pet damage to the door. Hotel never disclosed to me any pet policies nor did I sign any agreement when I checked in. Hotel never called or emailed me to discuss damage. When I checked out there were no damages to the room and room got inspected as well, before I received my final bill. I contacted hotel multiple times and havent received a valid explanation, or evidence, or signed agreement or any valid receipt related to that charge.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquires are XXXX. XXXX - XX/XX/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 card

1- I am a well established customer of BofA and have several checking accounts.

2- I have a credit card with BofA . For the past 3 months my balance with this Credit Card was negative.

3- I had tried online to transfer the credit to my checking account, but this feature is not available on line.

4-Two days ago I realized that BofA made a transfer of the credit and I was checking to identify which of my accounts was credited with this balance.

5- I couldn't find it and called the Customer Service of BofA .

6- They advised me that they CUT a check and put it in the Mail. It takes 7-10 days to receive the check!

7- My complain is ( a ) why BofA didn't do an electronic transfer to my accounts? The funds would be credited immediately. 
( b ) Instead, by cutting the check and mail it BofA is using the funds for a period of 5-10days until the check is delivered and another 2-3 days after the fuds are available in the deposited account, i for a total of approx 7-13days the bank is using the funds for her own purpose. 
If BofA practices this method of refund, is it legal? 
Are such practices legit and conform with laws? 
The sums are extremely big, considering the amount of customers who expect daily such refunds.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681EB Equifax is supposed to assure maximum possible accuracy. This account is not accurate accordingly to the Fair Credit Reporting Act. Please Immediately & Permanently Remove this Account for Violating 15 USC 1681EB. 

XXXX XXXX XXXX CLOSED Account Status Closed accounts stay on your credit report for up to 10 years since the date of last activity. Negative information such as late payments or collections, generally stay on your Equifax credit report for up to 7 years from the date of first delinquency. 

Details Payments Historical Overview Account Number XXXX XXXX Account Status COLLECTION Owner INDIVIDUAL Account Type OTHER Creditor Classification FINANCIAL Loan Type DEBT_BUYERS_ACCOUNT Original Creditor Name XXXX XXXX XXXX XXXX Months Reviewed 2 Activity Designator - Terms Frequency - Term Duration - Purchased From - Sold To - Balance and Amounts Balance {$820.00} Credit Limit - High Credit {$820.00} Date of First Delinquency - Account Dates Date Opened XXXX XXXX, XXXX Date Reported XX/XX/XXXX Date of Last Activity - Date of First Delinquency XX/XX/XXXX Comments and Contact CONSUMER DISPUTES REINVESTIGATION IN PROGRESS COLLECTION ACCOUNT For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$3900.00}, XXXX XXXX  XXXX XXXX XXXX XXXX {$6800.00}, XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XX/XX/XXXX, XXXX BANK XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX
Product: Vehicle loan or lease

XX/XX/XXXX, XXXX Friday Traded in our XXXX XXXX XXXX XXXX our dealership requested a fax of the payoff amount from BBVA Compass Bank . BBVA Compass Bank quoted the dealership {$21000.00} XX/XX/XXXX, XXXX Saturday Dealership over-nights a check for {$21000.00} to BBVA Compass Bank . 

Our auto draft payment for the XXXX is scheduled for XXXX of every month XX/XX/XXXX, XXXX Monday BBVA Compass Bank withdraws {$470.00} from our personal bank Account at XXXX XXXX 

BBVA Compass Bank receives and signs for the check from the dealership for the payoff amount of {$21000.00} at XXXX XXXX 

1st phone call to BBVA Compass Bank- I call BBVA Compass Bank at XXXX XXXX. reguarding the {$470.00} that was withdrawn from our account, so the we can be reimbursed because the Loan has been paid off through the dealership. BBVA Compass Bank says that they have not received a payment from the dealership, and there is nothing they can do. 

2nd phone call to BBVA Compass Bank- XXXX XXXX my husband calls again hoping that maybe it took a while for them to process the dealership check. BBVA Compass Bank tells him that they have received the check and we will be reimbursed, and a check will arrive to our residence within 7-10 days. 

3rd phone call to BBVA Compass Bank- XXXX XXXX BBVA Compass Bank did not confirm the amount of money they were going to reimburse us to my husband so I call them to confirm the amount. BBVA Compass Bank tells us that they will only reimburse {$350.00} of the {$470.00} that they took from our personal account, but would not tell us why they were keeping {$120.00}. I was also told that the Actual Payoff for the loan was {$21000.00}. When I asked them why our dealership was quoted {$21000.00} which is {$130.00} less that what BBVA Compass Bank is telling me, they had no definitive answer. 

None of the numbers are adding up. 

XX/XX/XXXX, XXXX Thursday I call BBVA Compass Bank XXXX make sure that a check had need sent in the mail because we are on the 8th business day of when we last spoke to a representative and have not received anything yet. The BBVA Compass Bank representative tells us that Compass Bank is keeping the interest off of the {$470.00} that they took out of our account on XX/XX/XXXX. When I said that the payoff amount quoted from BBVA Compass Bank included interest, he quickly back tracked and said that is not why they are keeping the {$120.00}. I was told by the BBVA Compass Bank representative that if I wanted the full {$470.00}, that I would have to provide a copy of the payoff fax that BBVA Compass Bank sent to the Dealership, and until then we are only getting {$350.00}, and the check was sent on XX/XX/XXXX. When I told the representative that the dealership did not keep the copy of the fax, I was told there was nothing I could do to prove the payoff, even though the Loan was shown as paid off in their records. I was then told by the Representative that {$140.00} was left on Loan so they took it from the automatically drafted payment. This still does not mathematically add up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

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

I have attempted to get several items corrected on my Experian credit report. Experian continually reports it as verified as accurate even though they can not disclose how they investigated the items. Experian is now refusing to allow me to dispute these items even though they are factually incorrect and tell me " You have previously disputed this item. We are not required to process a duplicative dispute. '' If the item is still incorrect I will still try to get it fixed regardless of its a duplicate dispute, you should not be forced to have items on your report that are factually incorrect. I have submitted a 4th round of disputes on XX/XX/2020 on their webiste for XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO HUMAN TRAFFICKING-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF HUMAN TRAFFICKING OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS CAPITAL ONE {$270.00} CRDMGMCOMP {$810.00} CRDMGMCOMP {$820.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Diversified Consultants is attempting to collect a debt without verifying its accuracy. XXXX has misapplied funds that were paid on my account and I have requested a payment history several times so that I could match my payment. I have not to this date received them.
Product: Credit reporting or other personal consumer reports

My credit has taken a major hit due inaccurate information sent from XXXX XXXX XXXX. I had an account with XXXX since XXXX. My vehicle has been paid off and I have received the title. A few days ago, I received an alert on my Credit stating that I have a 30 day late showing from XXXX, XXXX  XXXX. It dropped my credit score XXXX points on all credit bureaus. Im in the middle of applying for a home equity loan and this have hurt my chances. I need over a XXXX credit score to be approved now my scores are XXXX. I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.
Product: Credit reporting or other personal consumer reports

I sent off a dispute in XXXX about fraudulent accounts on my credit report. Not only have changes have not been made the bureau has not even responded.
Product: Credit reporting or other personal consumer reports

I N A C C O R D A N C E W I T H T H E F A I R C R E D I T R E P O R T I N G A C T. T H E L I S T O F A C C O U N T S B E L O W H A S V I O L A T E D M Y F E D E R A L L Y P R O T E C T E D C O N S U M E R R I G H T S T O P R I V A C Y A N D C O N F I D E N T I A L I T Y U N D E R 1 5 U S C 1 6 8 1.

A C C O U N T N A M E : # XXXX XXXX XXXX, A C C O U N T N A M E : # XXXX XXXX, H A S V I O L A T E D M Y R I G H T S.

1 5 U. S. C. 1 6 8 1 S E C T I O N 6 0 2 A, S T A T E S I H A V E T H E R I G H T T O P R I V A C Y.

1 5 U. S. C. 1 6 8 1 S E C T I O N 6 0 4 A S E C T I O N 2, S T A T E S A C O N S U M E R R E P O R T I N G A G E N C Y C A N N O T F U R N I S H A N A C C O U N T W I T H O U T M Y W R I T T E N I N S T R U C T I O N S.

1 5 U. S. C. 1 6 8 1 C. ( A ) ( 5 ) S E C T I O N S T A T E S : N O C O N S U M E R R E P O R T I N G A G E N C Y M A Y M A K E A N Y C O N S U M E R R E P O R T C O N T A I N I N G A N Y O F T H E F O L L O W I N G I T E M S O F I N F O R M A T I O N : A N Y O T H E R A D V E R S E I T E M O F I N F O R M A T I O N, O T H E R T H A N R E C O R D S O F C O N V I C T I O N S A N D C R I M E S W H I C H A N T E D A T E S T H E R E P O R T B Y 7 Y E A R S.

1 5 U. S. C. 1 6 8 1 S - 2 ( A ) ( 1 ) A P E R S O N S H A L L N O T F U R N I S H A N Y I N F O R M A T I O N R E L A T I N G T O A C O N S U M E R T O A N Y C O N S U M E R R E P O R T I N G A G E N C Y I F T H E P E R S O N K N O W S O R H A S R E A S O N A B L E C A U S E T O B E L I E V E T H A T T H E I N F O R M A T I O N I S I N A C C U R A T E.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX, XXXX are reporting fraudulent inquiries in my credit file. 
These creditors and companies violated my consumer rights by accessing my credit file without my consent. I dont not have and accounts or services with these creditors nor did I ask for credit or services with these companies.
Product: Credit reporting or other personal consumer reports

I SENT IT IN TO THE BUREAUS MORE THAN 30 DAYS AGO BUT THEY JUST IGNORED ME. IT IS INDEED MYSELF MAKING THESE COMPLAINTS AND NOT A THIRD PARTY AND THIS WAS NOT DONE IN ERROR. IT IS THE LAW TO HAVE SAID UNAUTHORIZED ACCOUNTS AND INQUIRIES REMOVED FROM MY REPORTS 4 DAYS AFTER RECEIPT AND THE CONSUMER REPORTING AGENCIES ARE BREAKING THE LAWI HAVE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS RELEASED TO THE PUBLIC VIA THE XXXX, TRANSUNION, AND XXXX DATA BREACHES AND SOMEONE WAS SUCCESSFUL IN OPENING UP ACCOUNTS WITHOUT MY CONSENT AND AUTHORIZATION. I NEED THESE ACCOUNTS REMOVED AND DELETED FROM MY CREDIT FILE IMMEDIATELY BECAUSE THIS IS SEVERELY HURTING MY REPUTATION WITH THE BANKING SYSTEM. IM STRESSED AND DEPRESSED AND I WAS TOLD TO SUBMIT A POLICE REPORT AND A FTC REPORT IN WHICH WILL BE ATTACHED TO THE THIS COMPLAINT.
Product: Debt collection

Jefferson Capital called me today I told the woman that I couldnt speak to her at the moment because I was helping my daughter with homework for school she calls my mothers home phone 5 mins later I told her not to call that number because it wasnt my phone she began to become very rude and told me She can call all she wants until I spoke to her I said legally she couldnt because we were on a recorded line and I asked her not to call Ive also asked for the debt in writhing which I never received