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

I have a RoarMoney lion checking account # XXXX with routing number XXXX set up where my direct deposit comes in from my employer XXXX XXXX XXXX XXXX. I made another deposit from my XXXX account in the amount of {$7800.00} on XX/XX/XXXX using my Moneylion card ending in XXXX connected to my checking account ending in XXXX to make the deposit. The customer service rep said this flagged my account and they have restricted access to my account since XX/XX/2023, and I have provided several screen shots and XXXX statements proving that the XXXX account is valid, and the money was deposited by me. 

I asked that they close my account and refund the full balance of over XXXX in my checking account ending in XXXX or give me back access to my money. This is a criminal act they are committing restricting access to my own checking account because of one valid transaction done by me. I have also made many purchases from my Moneylion card ending in XXXX connected to my checking account ending in XXXX from my XXXX account. Obviously, these people use no common sense and also what right do they have to deny me my own money because of a single transaction that is my own account regardless of one single transaction.
Product: Credit card

On XX/XX/2023 I tried to close my Synchrony Bank issues PayPal Cashback Mastercard but there is absolutely no way to manage card online or reach any support on their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit Report ( attached ) is not generated with my correct name.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Credit card or prepaid card

Hello XXXX XXXX, I believe that TD Bank / Card Services discriminates against minority customers and provides false information regarding denial of services. I cancelled my credit card with them today, XX/XX/19, because I was falsely denied my request for a credit line increase. Their excuse was my credit report from XXXX  showed " multiple delinquent accounts '' however, when I logged into my XXXX  account there were no such delinquencies. Neither were there any delinquencies in my XXXX  or XXXX   reports. I spoke to supervisors in TD Customer Service and XXXX in TD Credit Services who both contradicted one another. I then contacted XXXX and spoke to their fraud department who confirmed that are no such delinquencies in my credit report and could not explain how TD Card Services came to their decision. 

This is actually the second time, I've been denied a credit line increase by TD Card Services. I was denied XX/XX/2019 because my account had apparently not been opened long enough and I was told I could reapply after XX/XX/2019. Not only has my credit score gone up since my initial request for a credit line increase but I actually was approved and received an XXXX XXXX credit card with a higher credit line at the end of XX/XX/2019. This is the 3rd time that TD Card Services have engaged in improper business practices. They initially ruled in favor of a merchant in regards to a transaction dispute and didn't notify me of their decision. TD then reversed their decision 2 days after I paid the remaining balance and again, did not notify me of THAT decision until after I called to inquire why I had a {$900.00} balance. Then when I requested the balance be returned to me, they did not do so until nearly 2 1/2 weeks later and after I made numerous inquiries as to when they mailed that payment out.
Product: Credit reporting or other personal consumer reports

As of today, you have failed to provide a valid response or correction regarding these disputes, in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Furthermore, under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice of the dispute. 

These inaccuracies constitute a violation of the FCRA. I request an immediate investigation and correction of these errors. Please provide written confirmation once these changes have been made. See attached Credit Disputes that were sent to XXXX, Equifax and XXXX on several occasions. 


Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently XXXX and paid off all marital debt on a Discover Card and had my name removed. The card is in my ex-wifes name, XXXX XXXX XXXX, but the total amount on the card was put on by her after the card had been paid off and after the divorce. Im not an authorized user of the account and the amount on the card is solely her debt after divorce.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following inaccurate items which are reporting in error : XXXX - XXXX and XXXX - XXXX. 

Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX fails to report accurate information. The company continues to report a previous balance instead of reporting the correct balance. Each report cycle XXXX continues reporting an old balance when the account only owes XXXX to be exact. Ive filed numerous complaints with the company XXXX as well as Experian and the account still is inaccurate
Product: Checking or savings account

So I deposited a check into my Truist account with a large sum due to a car sale on XX/XX/XXXX, the funds where released in placed into the account in full on XX/XX/XXXX. Ive been calling since the money was released and they have been giving me the run around. They closed the account and locked my access online and debit card access. Ive talked to the fraud department numerous times and they always try to push the date back. Ive called 4 times since the XXXX. I have a video of my account and the amount inside the account.
Product: Credit reporting or other personal consumer reports

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with XXXX XXXX  XXXX Please prioritize this matter for prompt action. I have tried to email them, at XXXX XXXX XXXX, a part of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX But I am not getting any response or completion of my request. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

Two unauthorized inquiries made by XXXX XXXX XXXX XXXX, XXXX, XXXX, TX XXXX on XX/XX/2018 and XX/XX/2018. 

I called them and they said they did not check my credit. I opened an investigation with Equifax and Equifax confirmed the inquiries.
Product: Student loan

After reading about the XXXX recount program in XXXX or XX/XX/XXXX, I called my privately serviced FFEL loan servicer, Nelnet, to ask if I needed to consolidate it back into a federal loan in order to qualify for the recount. The person I spoke to assured me that I did not have to do anything and would still qualify for the recount. So, I didn't do anything and kept making payments because private FFEL loans don't qualify for the payment pause, etc. As a result, I've made at least 5 payments I didn't have to make, while accruing interest. 

As more information on the program has become widely available, I realized Nelnet had lied to me and that I did need to consolidate. I've now submitted the application to do so and learned that my payments went into automatic administrative forbearance and that the newly consolidated loan will qualify for the payment pause, etc. I am concerned that, because the new loan won't originate until early XX/XX/XXXX, I am going to miss out on the recount. 

This is unacceptable. Please hold them accountable!
Product: Credit reporting or other personal consumer reports

Capital One I'd mail a letter on XX/XX/2024 to provide proof of documents to make sure you're in compliance with Federal Law. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments. 
A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I asking to provide proof a statement has been DELIEVERED by Capital One. NOT SENT by Capital One but, proof it has been delivered with sufficient evidence of Tracking, Date, Time as a receipt of delivery.
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  : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX & XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the XXXX credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX PA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX .... Balance : - ; XXXX  XXXX .... Balance : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXX. Balance : {$0.00} ; XXXX XXXX XXXX  XXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXXXXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX .... Balance : {$850.00} ; XXXX XXXX XXXX XXXX .... Balance : {$100.00} ; XXXX XXXX XXXXXXXX XXXX XXXX .... Balance : {$720.00} ; XXXX XXXX  XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX & XXXX XXXXXXXX XXXX : {$3000.00} ; XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; PA XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is listed on my consumer report as a charge off, date opened XX/XX/XXXX. I contacted XXXX, XXXX, & Experian on XX/XX/XXXX requesting physical verification in accordance with the Fair Credit Reporting Act. All ( 3 ) credit bureaus responded by updating this account as " verified. '' No evidence to back the claim. I contacted the bureaus againrequesting a copy of the signed agreement between myself and XXXX pursuant to the Fair Debt Collection Practices Act. They all responded by updating the account status again to " verified. '' Not only is this account inaccurate and negatively impacting my finances but it is also OUTDATED. This account has been towering over my credit report for the last 9 years. Experian reports my first date of delinquency as XX/XX/XXXX -- false, please provide a receipt for XX/XX/XXXX XXXX  payment if this claim is to be true. XXXX  and XXXX  have no payment history, so how are they calculating the first date of delinquency? How do they know when this item should be removed? They do not know and do not care, which is why this account has been sitting on my credit report since XX/XX/XXXX. Generally speaking, accounts are several months past due before being sent to collections. Even if XXXX  & XXXX  were to " estimate '' a date of delinquency it would still place us in XXXX and it is now XXXX. This account needs to be removed immediately.
Product: Checking or savings account

On XX/XX/ 2024, XXXX XXXX XXXX canceled my personal account and my business account without prior notice and without explanation. I went to the bank to find out what had happened and they didn't explain it to me. They gave me a phone number to call and find out what happened. I called and asked for an explanation of what happened and a very rude woman told me that the bank can simply do this ( cancel ) an account without further explanation. The XXXX accounts that were canceled are over 5 years old each. There were several personal and business payments registered in these accounts. I didn't even have time to notify the payments I have in these accounts that the account would no longer be active ( house payments, business, government fees... ). My business account had a good amount of activity. In short : they canceled my account and said that I can no longer have an account at this bank.
Product: Checking or savings account

I recently submitted a dispute from my Chime Checking account and debt card. 
On Friday XX/XX/2023 starting at XXXX est until Saturday XX/XX/2023 at XXXX my debt card was used in XXXX separate micro transactions of {$2.00}, {$5.00}, and {$10.00} for unauthorized/fraudulent purchases in the amount of {$920.00}. 

I have never made a purchase from XXXX. The last purchase made from my account was from the XXXX XXXX XXXX for a total of XXXX. 

I then attached screen shots from both my XXXXXXXX XXXX XXXX showing the last purchase I made and a screenshot from my XXXX account that show no purchases from MY account. You can also look through my transaction record and see that I have NEVER made a purchase from XXXX XXXX. 

Furthermore when I purchase things from the XXXXXXXX XXXX XXXX I always have to pay sales tax and none of these charges have any tax charged? 

I immediately called in when I awoke the morning of Saturday XX/XX/2023 to stop the charges. I was told by Chime Support that the could do nothing until the charges cleared. I was told to call back in when they cleared and start the dispute process. I started this process on Monday XX/XX/XXXX and have been denied twice already and they have not provided me with any information as to why I was denied. 

I then called into support and filed a rebuttal and resubmitted documentation with a statement explaining the situation with my own findings only the be denied again in less than 24 hours. 

Chimes response from an email I received : Support Tuesday, XX/XX/XXXX, XXXX XXXX  As part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review.Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. 

I am sure no error occurred, the fraudsters were able to take my money just fine. It was unauthorized purchases I was disputing not a system error.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I discovered that Capital One Bank had closed my account and reported me as "deceased" to credit monitoring agencies. I have told Capital One Bank that I am alive and well.  I have filed disputes on the report from Capital One Bank with XXXX, XXXX, and XXXX. At this point I have great concern that Social Security thinks I'm dead as well and that I may not get my scheduled benefits. I am unable to log in to my Social Security account online, so will try again on Monday to contact them. At first I thought this rather humorous, but if I have problems with Social Security benefits it won't be funny at all. I suspect that this has happened as a result of the massive data breach that occurred at Capital One Bank.
Product: Checking or savings account

I had a horrible problem with chime Bank now what has happened was after opening my account earlier this year I opened it to receive my direct deposit for my pendemic unemployment assistance payments so after opening my account and verifying all of my information I received my card shortly thereafter in the mail and I activated it was also offered to open a credit Builder account and that I was eligible for the spot me to cover me if I overdraft or anything. so I receive my first round of unemployment payments direct deposited into my chime bank account any which included roughly XXXX months worth of back pay which totaled around {$3000.00} and within 24 hours chime Bank had suspended my account and they have denied me access to my money in fact they closed my account and sent me an email stating that my account was not eligible for a refund and they also have limited my being able to contact them or speak to a person any which way I've ever tried to I can not reach them anymore I have no access to the account and they refuse to respond to me any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I contacted Mr. Cooper to whom I have paid my mortgage on time for several years ( after they bought my loan from XXXX ). I have tried repeatedly to get information about refinancing my loan and I was told that because I live in a XXXX XXXX that the company does not refinance. They are not providing me with information on how to get refinancing. When I have called they put me in a loop phone call and I have yet to get any straight answers. Mr. Cooper is servicing my loan inappropriately in my belief. They are not being upfront and thwarting me from the ability to obtain refinancing, in a very difficult financial climate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive identified information on my report as a result of identity theft. These items have nothing to do with any transaction i completed. ACCOUNT : 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 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

SANTANDER USA IS REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT. ACCOUNT # XXXX NOT ONLY ARE YOU NOT IN XXXX XXXX COMPLIANCE, YOU ARE REPORTING THE DEBT AS CHARGED OFF. According to the IRS, any debt owed that is cancelled, forgiven, or discharged becomes taxable income. I HAVE NOT RECEIVED MY 1099-C AND FURTHERMORE INCOME CAN NOT BE REPORTED ON A CONSUMER REPORT.

YOU ARE IN VIOLATION OF THE FCRA AND IRS REGULATIONS.

PLEASE SEND ME MY 1099-C FORM.