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

NOT A DUPLICATE COMPLAINT - PREVIOUS COMPLAINT WITHDRAWN My account was closed by chime for " violation of their terms by my deposits '' and they closed my account according to section ( I ) C 9 of our deposit agreement which basically states they can close the account at any time for any reason on XX/XX/XXXX I did not do anything to violate any of their terms of service and my account should not have been closed. However, Upon closure of the account, i had a balance remaining of {$770.00} Over a year later I still have yet to receive these funds They originally told me i would get a check in the mail within 30 days and after that did not happen i started contacting them I have contacted the bank on multiple occasions XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The bank has stated that they are NOT returning my funds I have repeatedly asked if this was a levy as I was able to get my statements from them it stated this as the line item XX/XX/XXXX XXXX XXXX XXXX  XXXX '... Adjustment- {$770.00} - {$770.00} They have declined it was a levy but rather I have just violated their terms and for security reasons they can not give me any more information I have also called on multiple occasions, having to call from a different number as their automated system hangs up on you. They say the same thing that i will not get a refund and to follow up via email. Update : Upon receiving an email from chime today they have stated the line item is from XXXX XXXXXXXX XXXX however there is one major problem, I have never even heard of this bank until today, never done any business and upon calling the bank their legal team states that they did not issue a letter of indemnity and even said it may be a scam I can only imagine this was processed to my account in error
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, I requested proof that the information was verifiedXXXX XXXX XXXX XXXXXXXX I do not recognize this account. Please REMOVE from my report. Please send back an updated copy of my credit report to the address listed on my I.D . Thank you for your time and attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX  my then girlfriend called me asking could I cosign her vehicle loan. I was definitely hesitant but decided it was the right thing to do, as it would help with approval and interest. Once I arrived I made sure to ask questions and determine the important details I personally needed. The deal was I would cosign her loan, it was for about XXXX months and she was the primary buyer ( borrower ). Months later I was able to determine I was completely tricked. Even though I was signing as co-buyer at some point when I was not there and without permission it was switched. I believe my then GF credit profile was not strong enough so they without consent switch me to the primary buyer. Long story short, I paid the car off and all associated fees but not before I was affected by any negligence from then GF and scammed by Honda. As I was bringing everything current I reached out to Honda, taking notes, recording, and sending letters explaining the situation. My hard work had finally seem to pay off. They agreed that was an unfair scenario, and I was told by a Financial Manager that once the car was 100 % payed for and no more late payments that they would clear any late payments affecting my score. It was lie. I listened to them this morning I have 6 recordings, and the Manager sends deep apologies and guarantees me to how the process to work. I even wrote letters and called after the car was paid off.
Product: Checking or savings account

Request for Assistance in Resolving Credit Karma Fraud and Recovering Stolen Funds Dear CFPB I hope this letter finds you well. I am writing to seek your assistance in resolving a distressing situation involving fraudulent activity on my Credit Karma MONEY account and the subsequent loss of a significant sum of money from my account. Despite my best efforts to resolve the matter directly with Credit Karma, I have encountered significant hurdles and lack of cooperation in recovering my stolen funds.

I recently discovered unauthorized transactions and fraudulent activity on my Credit Karma account, which resulted in a total loss of {$4000.00} small transactions. I reported this incident to Credit Karma and initiated the necessary steps to address the identity theft issue. However, I have encountered great difficulty in receiving the appropriate support and resolution from Credit Karma 's customer service team.

Credit Karma has informed me that they will not proceed with my case, citing " verified purchases '' as the reason. However, I want to emphasize that these purchases were not made by me, and I strongly believe that they are a result of identity fraud. I have diligently reviewed my financial records and personal information, and I can confirm that I did not make these transactions nor authorize anyone else to do so.

Despite my repeated attempts to provide evidence of the fraudulent activity and my numerous requests for assistance, Credit Karma has been unresponsive and unwilling to investigate the matter further. This has left me in a deeply frustrating and vulnerable position, as I am now faced with not only the loss of a substantial amount of money but also the potential long-term consequences of identity theft.

I am reaching out to the Consumer Financial Protection Bureau with the hope that you can intervene on my behalf and help facilitate a resolution to this matter. I kindly request your assistance in investigating this case and ensuring that Credit Karma takes the necessary steps to address the identity theft and refund the stolen funds to my account.

Enclosed with this letter, please find copies of relevant documents, including the unauthorized transaction records, correspondence with Credit Karma, and any other pertinent information that may aid in your investigation.

I greatly appreciate your attention to this matter and your commitment to consumer protection. I sincerely hope that with your intervention, we can bring about a swift and just resolution to this distressing situation.

Thank you for your time and consideration. I look forward to your response and guidance on how to proceed further.

Sincerely,
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Student loan

The company and or scamming is called National Credit Management. Website does not look official and I called them, and all aspects seem very suspect. Consistent calls with no identification of who is calling. My student loans are serviced through XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan at one main financial got approved for a loan. When I went in to sign the agent never disclosed the extra added fees of add ons thst were optional they were all ready included with my loan. After going home and taking a closer look I saw they were optional so I called a couple days later asked withdraw from extras and get refund and new paperwork of loan without extras and was told one was not needed and there was no refund thst mo ey is disbursed back to bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX CT XXXX, VA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

FIRST CREDIT SERVICES XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Reported me to collections for debt of {$990.00} thats affecting my credit, they are trying to charge me for something when I was minor, or have the wrong information, now is affecting me for future loans and housing,
Product: Credit reporting

I have never been late on my credit card payment. I did not receive any documents and sure would not have been late on {$6.00} The rest is service charge for late payment. I received no statement for this purchase and have never been late paying.
Product: Debt collection

I had a XXXX credit card back in XXXX with balance of {$10000.00}. At that time I was going through financial difficulties loosing my properties, and employment. I was making minimum payments and called XXXX to negotiate to reduce my minimum payments until I could get back on my feet and able to pay more. Instead of that XXXX closed my card and increased my minimum payment and the burden was too great. I stop paying the card. Last payment I made on XX/XX/XXXX, and the credit report says debt " charged off ''. A few months later I got notice from Midland Funding LLC that I owed them about {$12000.00}. According to credit report It was placed for collection on XX/XX/XXXX and was removed in XXXX. I did not received from court or Midland Funding any court proceeding after lawsuit was filed in XXXX. Didn't receive notice of hearing or copy of judgment or any copy of default judgment from court or Midland at all. Also I never received notice of motion to renew judgment or copy of renewed judgment from court or Midland Funding. I live at same address and would not miss any court notice and hearing. I did check credit report every year and it was no public record or any judgment. XX/XX/XXXX I received notice of wage garnishment from XXXX, XXXX for {$22000.00} that took effect on XX/XX/XXXX 25 % of my wages and it is causing great hardship on my family and finances. I believe it is time-barred debt XXXX more than 10 years ) that I was sued for without my knowledge. I received no copies from court or Midland of said judgment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 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 statues. Please update the following accounts completely from my credit reports. 
XXXX XXXX XXXX Date Opened : XX/XX/2022 Balance Owed : {$300.00}, XXXX  XXXX Date Opened : XX/XX/2022 Balance Owed : {$460.00}, XXXX XXXX Date Opened : XX/XX/2022 Balance Owed : {$490.00}
Product: Mortgage

We are a non profit counseling agency in XXXX, we submitted a a loan modification package to Ditech Financial on XX/XX/2017, Ditech 's representative stated that the loan modification was under review and it will take them 5 days to complete the review. I called on XX/XX/2017 and I was told that they needed another 5 days to complete their review. Today XX/XX/2017 I was told that there was no update from underwriter or representative working on the case. The client received a court notice ( to appear in court XX/XX/2017 ). The lender even told me that they will continue the foreclosure process. They are double tracking. They have a COMPLETE package requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

My fico score ( credit ) is way below what it should be.couldn '' t get corrected
Product: Credit reporting or other personal consumer reports

Today, I found incorrect accounts on my credit report without any explanation. Upon my usual check, these discrepancies appeared out of nowhere. I refreshed my browser, thinking it might be a technical issue, but the inaccuracies persisted. Therefore, I am requesting a thorough review of the documents I have sent to prevent this issue from recurring.
Product: Credit reporting

Experian is denying my rights under the FCRA to dispute personal and account information. They continue to tell me they will not reinvestigate my dispute, but never complete the investigation to FCRA standards, i.e. Showing me proof of verification and how they verified these accounts and personal information. They have an incorrect name that is reporting on my credit file that needs to be taken off.
Product: Credit reporting or other personal consumer reports

Inquiries from multiple companies that I didnt authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX XXXXXXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX XXXX. XXXXXXXX XXXX Address XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX FILES TO BE TAKEN OFF MY CREDIT REPORT NEGATIVE CHARGED OFF ACCOUNTS XXXX XXXX XXXX XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Product: Debt collection

Requested debt verification via BBB but I personally have not seen any verification. I tried to contact midland management however the representative would only ask for my information and proceed to deny any help, even after giving my information. The representatives were extremely rude and refused any help. After calling multiple times I was repeatedly hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied to refinance my student loans with XXXX. I was denied because of what I was told were delinquent accounts.I asked the XXXX rep what accounts are they talking about and they gave me a list of 4. 3 of the 4 are not even companies I've had accounts with and the other was an account that was closed 2 years ago that I was a co-signer on, not the primary borrower. 

I was given the following information to get my credit reporting information. 
Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX 1 ) The phone number doesn't work. Regardless of the information one enters or the options one chooses, the answer is " we can not process your request over the phone, submit a written request for information ... '' 2 ) This is the 2nd time I've had something completely false on a credit report from Experian in the past 6 months. ( I filled a different complaint with the CFPB involved a falsely reported accident on my vehicle that resulted in my not being able to trade in my car - the result of the complaint was Experian removing the False information from my report. 

The information from whatever source is false and inaccurate and has caused me financial loss.
Product: Debt collection

I had a collection that I paid to cmre on XX/XX/XXXX and I sent a certified letter to them on XX/XX/XXXX requesting for removal of account and they are not removing.
Product: Credit card or prepaid card

Apple CC stated you could open a CC and they would not pull a hard Credit report. That was completely false. Although I did receive an approval, there was a hard inquiry which appeared on my Credit by Goldman Sacks. Which affected my Credit Score.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account shows that i was late 40 times 90+ days and 2 times 60+ days. This information is incorrect. The account was charged off few years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the account I have listed below. 

According to the FRCA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

Accounts : XXXX XXXX XXXX # XXXX
Product: Credit reporting

I have requested on XXXX occasions now that XXXX remove inaccurate information from my account regarding XXXX. XXXX has sent a letter confirming that it has requested the account to be deleted from my credit report however ; XXXX refuses to conduct a proper dispute. Letter is attached from XXXX.
Product: Credit reporting or other personal consumer reports

After requesting removal of unauthorized reporting, these companies violated my consumer rights. XXXX, Equifax, and XXXX. Violation of FRCA 605B
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX fraud collection on credit report that I disputed and the credit bureau are reporting that it has been verified.
Product: Mortgage

I am XXXX now and badly needing help. I have been a good customer with Vanderbilt Mortgage since XX/XX/XXXX. I paid off the XXXX home in full with them. Then the outlawed grey pipes burst and destroyed the home. They convinced me under duress to put up my land for a downpayment on a new home. In XX/XX/XXXX, I started making payments regularly on my new home. After a good number of years, they made an accounting error and did not pay my land taxes or insurance escrow for a year. They demanded that amount of around {$4000.00} be paid immediately by me. I did not have it. Finally, they let me slide on their mistake for a year, then demanded it again. I did not have it. So they FORCED me into an in house loan modification. They did not lower the interest rate. They barely lowered the monthly payment, made me sign a note that threw my mortgage into a full brand new 30 year loan! PLUS they added a {$20000.00} balloon note on the end. The over 8 years of payments I had made which was mostly interest, VANISHED!!!! Now I recently had to lower the amount of insurance I needed on this home, to an amount that is not nearly enough, in order to make the INCREASING payments they are charging me. I am almost XXXX years old and can no longer work. My income is vanishing. I would be XXXX years old if I lived to pay this piece of junk falling apart XXXX/VANDERBILT home off. I LOVE my land and do not ever want to have to move. I have lived here 18 years. I am TERRIFIED I will end up losing my home. They have XXXX me worse than I have ever been XXXX in my ENTIRE life!!! I look at the new statements and out of an approximately a {$1200.00}. payment, only {$87.00} is going to the principal. The woman named XXXX who did this to me, is no longer there after telling me she would be there for the rest of her life. Is she in jail? She should be. XXXX I desperately need help and so I called the XXXX XXXX and they told me to come here. Please I beg you to help me. The original loan should have been paid off in 15 years. How on earth is this possibly legal? It can not be legal. I have been preyed upon and they also told me that if I did a land home package, it would increase in value like a REAL house as it would be legally " attached '' to the land. Well, they did not put it on a concrete foundation, so no one will refinance me. There are so many scammers out there saying they are HARP but they are not. NO XXXX will refinance me because of the way they set this whole scam up. IT WAS THE WORST SCAM AND I SEE THAT I AM NOT ALONE. JUST XXXX VANDERBILT AND XXXX HOMES. PLEASE help me! I am more than desperate. XXXX
Product: Mortgage

XXXX XXXX XXXX was acknowledged an escrow surplus of over {$3800.00}, but has refused to return it even after numerous calls, emails, and other written requests. Each time they assure we they will cut a check and it will be there in 7-10 business days, but the check never comes and my escrow account still shows the surplus.
Product: Student loan

I was fooled by a student loan debt relief scheme. 

I was falsely promised that they would lower or even eliminate my loans. I signed a contract and they started to charge me {$39.00} a month and about {$20.00} a month of interest. This was back in XXXX of 2017. I recently revisited my student loans, as it was time to re-evaluate my standing, and found out that none of these payments were towards my student loans and I was just paying a company called Equitable Acceptance this money. 

I researched and found out FTC has taken action against this company for these super misleading practices.