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

I received my direct deposit at XXXX XXXX PST. I awakened this morning and could not access my CHIME account. I tried to use the " forget password '' option and found the phone number it attempted to send the verification code to was an unrecognizable number. I had to go through a verification process using my California Driver 's license to change the number back to access my account. I accessed my CHIME account and found my savings had been transferred to my checking, and all of my funds had been withdrawn in rapid sequential amounts starting at XXXX XXXX  PST totaling {$980.00} They are all pending. I contacted CHIME to cancel these pending transactions and return my money. And even after explaining the situation, they would not. They explained that they needed to wait 7-10 days until the transactions were settled or canceled on the merchant 's end, even after showing the illegal access occurred in New York XXXX and that I live in XXXX. I, of course, canceled the card but they will not give me my money back. They will not comply with banking laws.
Product: Debt collection

I am submitting this complaint because I am being extremely affected by LVNV FUNDING LLC They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

My account in this matter is Opened Date : XX/XX/2020 Original Creditor Name : XXXX XXXX BANK. 
Balance : {$12000.00}. 

I want to give LVNV FUNDING LLC the chance to solve this matter before any legal action is taken. 

Remedy : Deletion of account from all bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX. I noticed that, unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround, stating that they cant petition for them to be removed. I asked them multiple times to remove their inquiry from my credit profile. By law per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX x2 XXXX XXXX XXXX XXXX XXXX XXXX If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.
Product: Mortgage

Back in XX/XX/XXXX I had sent in a complaint ( # XXXX-XXXX  ), and I thought it had been resolved but it has not. All I want to do is go back to my original monthly house mortgage payment of {$1900.00} and then pay my own property tax payment. Wells Fargo paid my XX/XX/XXXX property taxes, which I want to repay them back for but not the additional 30 % profit amount they want to charge me. Also the escrow account I still don't understand how after 23 years all of a sudden it pop 's up?! 
I just want Wells Fargo to allow me to go back to my original monthly payments and they now want to add a percentage more. They are trying to suddenly make an additional amount of money off my home mortgage which I will not pay. I am so sick and tired of them jacking me around on this. I have always paid my mortgage on time each month. 

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

Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I'm a casualty of fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data at the earliest opportunity would be incredibly valuable. We are hoping to purchase a house. If it's not too much trouble, help
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$13.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

this is not my debt it belongs to my sister who has a ssn one number off from mine, furthermore the orignal opening date would have been on XX/XX/XXXX not XX/XX/XXXX that was when her account was originally opened, the dates and the amount is listed fraudulent on my credit report with XXXX and XXXX, XXXX  has already removed it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX or XXXX XXXX  is breaking the laws. First of all the same loan is listed twice. Secondly they repossessed the car I gave it back voluntarily. They came to the XXXX  I was at asked me where it was. I told them. They then sold it and never notified me about it which they are supposed to by law. Then took the money and sued me for it. This is illegal in so many ways I was in XXXX
Product: Credit reporting or other personal consumer reports

As per guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as information requested from the list of acceptable items which only 2 are required per Law. I have provided all needed documentation as well as victim determination letter according to 1022.143 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax dropped my score by XXXX points. I put a complaint in, but to see their specific reason I would have to pay them. I believe this is unfair. They should provide a detailed response for free. My utilization is less than 24 %, all my payments are on time, I have owned my home for 33 years. My mortgage is less than 30 % of its value. All my payments are on time. I am paying off my credit cards, with a new equity loan, using less than XXXX dollars of it. I would like an realistic response and one that is free, telling me why the drop in plain and detailed information.
Product: Checking or savings account

I have been attempting to contact Money Lion for 10 days. I have been sick in the hospital and did not receive a paycheck today. They did not respond to me until the day before payment was taken, and they told me I needed to notify them 3 days in advance ... which i did but they didnt respond until 1 day. Then I asked about why my investment account is negative {$80.00}, when there should be at the very least {$100.00}. The one person advised me I took a payout, i advised him I did not take a pay out and I need them to look into it. They did not get back to me, so I did a chat with another representative who then kept copying and pasting things about the stock market without ever even looking at my account. So now I am negative {$200.00} because this company couldnt be bothered to respond to me 10 days leading up to my payment, then they refuse to give me a solid answer as to where my money in my investment account went.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. 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 la
te 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 th
an 21 days before the payment due date.

EQUIFAX 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: Payday loan, title loan, personal loan, or advance loan

My loan is at about a 36 % interest rate and they will not lower it
Product: Vehicle loan or lease

We paid the loan in full on XX/XX/2021 via cashier 's check which the teller assured me would be paid off forthwith. We received full credit for the payment that evening and the loan was cleared/listed as paid off. We called and asked about the title and were told it would take up to 10 days to receive. Called today, 14 days later and Bank of the West had not even bothered to notify the DMV to release the title to us. So NO ACTION has been taken by Bank of the West, It is clear that ONLY AFTER I REMINDED THEM again that we were looking for title did they " inform me '' that they will contact the DMV to Release title. Had I not called for a month, I'm sure they would not have acted until I reminded them. This is their job!!! I know for a fact the loan was listed as paid off and XXXX balance the day after I hand walked in the funds to Bank of the West. Each time they said they were taking care of it and in actuality, they did nothing. The vehicle has been sold, however, we can not satisfy that Buyer until we get the title. The Buyer has every right to return the vehicle to us and demand his money back!!! 

Bank of the West 's failure to act, its negligence, rudeness and utter lack of concern is aggravating. I've called several times and spent 10 minutes pressing buttons just to get to the right person whereupon that person put me on hold, then came back and hung up on me. 

We just want the title without a lot of run around by Bank of the West. It is just ridiculous.We 've only ever had one account with Bank of the West. We paid timely every month for 169 payments, no problems and this is how we are treated. Infuriating.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX card from XX/XX/XXXX was dismissed in class action lawsuit in District Court of Maryland in XXXX. Judge XXXX in XX/XX/XXXX ordered XXXX XXXX to dismiss over 10,800 claims against debts Midland tried to collect, they had no license to collect in MD. My credit report shows new XXXX XXXX card opened in XX/XX/XXXX, closed XX/XX/XXXX. XXXX XXXX has new collection of the card they opened in XX/XX/XXXX. This XX/XX/XXXXcollection is listed as a Factoring Company. From what Ive read this is a violation of CFPB/FTC subsection 623 I believe. Im not a company therefore how can they resist this as such. Ive contacted all three credit bureaus since yesterday Im attempting to purchase my first home and these two collections are ruining my credit score. I just wanted to make the CFPB aware of the new tactics XXXX XXXX is

using and they may be in for another class action suit if its not taking off my credit report and I can not purchase a house. Thank you for your time in reading this and hopefully stopping Midland from trying to skirt the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. XXXX Account # XXXX has violated my rights. 


15 U.S.C 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX submitted a collection to Helvey and associates saying I owed XXXX dollars for a bill from XXXX XXXX. I have a copy of my bill from XXXX for XXXX XXXX. The bill is XXXX. We moved out of that house the XX/XX/XXXX. I called XXXX and was told the bill was transferred to my account by mistake. The bill belonged to a man named XXXX XXXX. I was told the transfer department would remove it and contact the collection company within 3 days. That did n't happen. I called back and was told I should have never been given the information as it was confidential. I was told the bill was mine as they had my social security number. I asked for an itemized copy of the bill and was told they could not give it to me. I was told the bill was from XXXX and I would have to get a judge to give me a court order and a subpoena to get the bill because it was over 2 years old. I am trying to purchase a home and want my credit report corrected. Can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
Account Number : XXXX Please remove it from my credit report. 

10. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

in accordance to 15 usc1681b if a consumer agency doesn't have my written consent they are not to furnish anything on my consumer account. I did not give XXXX, Experian nor XXXX written permission to furnish inaccurate information to my consumer report. which there is at least about 7 things that is reported inaccurately. ive also reached out to these companies about 2 years prior about reporting false and inaccurate information on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax is reporting fraudulent information. I provided an ftc report listing these fraudulent items. They removed it once and then placed it back on my report. When I asked why they couldn't give me any reasoning. 
This item was removed from the other bureaus, was not placed back on my report. 
My information was found on the dark web, Equifax data breach a lot of fraudulent items and inquires were found. This is affecting me from purchasing a home for my children. 
The law prohibits false information to be reported.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regu
lation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

JP Morgan Chase and XXXX have reported for years that my previous credit card status currently has a balance and late. Both companies closed my accounts, the accounts were paid in full, likewise, I havent missed a credit card payment in 5 years. After speaking with Macys regarding a late payment, the representative informed me they couldnt detect a late payment yet, a closed account 5 years ago is still reporting as current. My first XXXX card was closed because you cant use a XXXX XXXX XXXX a physical mailbox. Another XXXX card was acquired and my payments were made on time. I noticed, upon paying the closed account, it would default to the new card, a computer glitch for which XXXX being held responsible for. I have tried several times to resolve this issue to no avail. 
JP Morgan Chase closed my XXXX credit card account 5 years ago, and likewise are reporting to the credit bureaus as if this is my current situation. After speaking to a representative XX/XX/2023 I was informed I would have to wait 2 years before my status changed. I continue to bank with JP Morgan Chase, my Freedom card has not incurred a late payment in over 5 years, yet JP Morgan Chase for years is reporting to the credit card bureaus the status of a closed account as if its current. 
As a result of these inaccuracies, my credit score has dropped almost every month for the past 5 years. Likewise, Im being denied credit cards because of the inaccuracies.
Product: Mortgage

I filed a complaint XXXX with CFPB. XXXX XXXX called on XX/XX/2021 at XXXX and left a message for me to call him. I returned Mr. XXXX call on XX/XX/2021 at XXXX XXXX XXXX am and again at XXXXXXXX XXXX Arizona time and left a message all three times recording the last two. I never received a call back. I tried again on XX/XX/2021 at XXXXXXXX XXXX Arizona time and left another message recording this as well. I received a strange call back from Mr. XXXX on XX/XX/2021 at XXXX XXXX Arizona time. Mr. XXXX asked if this was a XXXX XXXX. I replied that I am XXXX XXXX and expected his call. Mr. XXXX replied he must have the wrong number and hung up. 
On XXXX XXXX I received a letter stating Bank of America had received my complaint and I had until XX/XX/2021 ( two days prior to receiving the letter ) to contact Mr. XXXX. I believe this is an attempt to discredit my original complaint so I am filing another.I do not believe Bank of America has nor will take this complaint seriously and ask for other remedies from the CFPB. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I do not consent to XXXX verification and want an actual living human to read this complaint. I will have my invoice for damages and federal consumer violations attached below. Also, a marked-up consumer report showing the XXXX XXXX XXXX  violations that Experian are furnishing with the accounts. Every marking is a federal consumer rights violation, and each violates Privacy Act of 1974, 15 USC 1681, 15 USC 1681e, 15 USC 1681b, 15 USC 1681n and 15 USC 1681a. I have previously attempted to fix this problem with Experian, but I see that they are continuing to violate my federal consumer rights that they agreed to uphold. I fully intend to pursue arbitration or litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance in reference to me being violated by the XXXX XXXX XXXX reporting 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to Equifax about inacurate information being reported on my credit report. I never received a response from them On XX/XX/XXXX, one of the account that was disputed was deleted from my report due to inaccuracy, however, on XX/XX/XXXX, the same account was added to my report without me receiving a letter informing me of the reinsertion.