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

On XX/XX/2022, Chime locked my account due to fraudulent activity mind you Ive had this account for 2 years. So I place a call to see what the problem was! I was told they just needed proof of address and an a picture of my ID so I sent what they need me to send then I follow all the steps they have been asking me to follow. They will not give me any direct answers on how to fix my problem how to get my XXXX out of the account. Wont email me back! Im fed up I want my money that I could be using on bills my car is broken down and I have no access to MY MONEY.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : 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 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete From My CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi thank you for the opportunity to present the serious errors on my credit file and back and forth issues I am having with the credit bureaus. I have accounts that do not belong to me on my credit report. I also have accounts statuses listed as late on accounts that have always been current. I have even sent in letters from the companies to the bureaus to show proof and this is STILL not corrected. The power the bureaus have over the people is unconstitutional and not aligned with the consumer laws. In Title 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer the bureaus are to get full consent from me to do anything with my file. Here I am having to file complaints and court proceeding just to make them correct what needs to be corrected. The accounts XXXX XXXXXXXX, XXXX XXXX and XXXX do not belong on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, i have rights under 15 USC 1681 Equifax is governed by 15 USC 1681. An have violated my rights muliple times. i demand the accounts listed below be removed due to.

15 USC 1681 stating i have the right to privacy and did not give equifax written permission to furnish these accounts. 

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

This is XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some accounts from my credit report ; however, there are still accounts that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are fixed. 
XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number:XXXX Account Name XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 or other personal consumer reports

My information was included in a data breach in 2019 by XXXX. Where my social security number and ID was compromised. There have been several account appearing on my credit that I did not open nor have I ever had a relationship with these entities. I would like these items removed from my credit report as they are becoming a hinderance. The accounts are as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 or other personal consumer reports

I have had a credit freeze in place on my credit reports since XXXX of XXXX. I received my Equifax Credit Report dated XX/XX/XXXX. XXXX, XXXX pulled my credit without any permission from me. I have never heard of them until this. They pulled from from Equifax report on XX/XX/XXXX.
Product: Debt collection

I received a letter and multiple calls from a debt collector attempting to collect an alleged debt, demanding payment of a specific amount. In response, I wrote a letter to the debt collector, asking them to furnish a contract indicating mutual assent of the parties. However, despite my request, the debt collector has failed to provide the requested document. This situation has caused me significant distress and uncertainty regarding the legitimacy of the alleged debt and the actions of the debt collector. Ive attached a copy of all correspondence Ive sent to the debt collector, and copies of the certified receipts confirming delivery.
Product: Credit card or prepaid card

my issue is not what i checked. i accidentally made automated payment for XXXX XXXX for XXXX dollars i quickly called to SWITCH it to XXXX. she said she cancelled it for SAturday. XXXX XXXX i asked her are you sure as i will bounce if it comes out today. she said yes. PLEASE pull call. this has nothing to do with any XXXX dollar payment scheduled she said she would cancel it and did not it came out today XXXX XXXX i am now overdrawn. or will.be. Please listen to call. 
I had asked for my interest to be refunded based on my long ter loyalty all i get are scripts i know its vaid i know how to avoid it. what i will be avoiding is the use of this card for a while all of my cards please do something for what i have endured here. i asaked for XXXX dollars to be cancelled for XXXX XXXX now i have problems due to your mistakes. Please no scripts about the interest for XXXX bucks they can lose my business. My record is exemplary and i know the rules times are tough i wanted loyalty alli get are problems and scripts.
Product: Money transfer, virtual currency, or money service

I am filling 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 ) regulation E. These actions have caused significant inconvenience and financial loss as I think appropriate redress for these violations.
Product: Debt collection

On XX/XX/year> XXXX from XXXX XXXX contacted me about a debt that I have with Credit Fresh, that I have continuously paid on time with XXXX XXXX XXXX, left a vm which I will attach below giving out erroneous information about my account. She stated in the message and on the phone when we spoke that my payments were rejected in XXXX and I needed to pay three payments to catch up or the next step would be taken. I was confused because there was no rejection. She continued to say it was after that I told her I needed to talk to someone else then she transferred me to a lady named XXXX. I was asking for the same information. I told her I needed explanation. The same card would be used and I needed to know where this rejection came from. At one point XXXX yelled at me and said do you hear yourself you said XX/XX/XXXX. I don't even know what that means. I explained to her that I was a XXXX veteran and I'm just trying to understand. She hung the phone up in my face. I called again and spoke with a male who told me that there was no rejection and he doesn't know where they got that info from.
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 : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX and list of Inquiries. 


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 or other personal consumer reports

I got a copy of my consumer report and noticed theres a late payment on my account that Im unaware of. I have asked the company to remove the late payment because its inaccurate.
Product: Debt collection

A Deed-in-lieu ( DIL ) of Foreclosure was negotiated with my lender GreenTree and an acceptance of the terms was delivered on XX/XX/XXXX. In the acceptance letter, GreenTree stated that " Acceptance of this DIL is a " FULL '' satisfaction of this indebtedness. " on XX/XX/XXXX I ran my credit and noticed on XXXX Ditech Financial LLC., started to report me ( 3 years later ) as having a mortgage balance of XXXX which is incorrect and should have been shown a satisfied. I think this also is against the new debt collection law in Florida after a foreclosure, short sales or DIL regarding the collection period. Ditech is ignoring my request to remove this error in reporting even after I set them this information.
Product: Bank account or service

My minor daughter had her atm/debit card stolen as well as her mobile banking account information for her checking and savings accounts at Suntrust bank hacked. The thieves used her card to make fake/altered traveler 's check and money order deposits to her account then on the same/next day used the card to make large purchases. They withdrew money from the Suntrust atm as well. This was all in a few days window from approximately XX/XX/2016. Her first indication of anything wrong was the bank 's fraud department calling her on XX/XX/2016 and she realized her card was missing. She is in high school during the day and works part-time several days per week so does not make purchases daily so had not realized it was missing. The fraud department had her verbally go through the information as to what purchases she remembered making, but at that time she was not made aware of any of the fake/altered check deposits. The next week a letter ( s ) came from them in regards to being overdrawn. I went to the bank branch ( on XX/XX/XXXX ) and the manger pulled up the information and then gave me copies of the checks that had been forged-she never knew about those. We were supposed to have a form sent to contest those charges. The forms did not arrive and I spend hours over weeks talking to multiple people. Recently another department sent a notice stating that the accounts would be closed and demanding the overddrawn amounts be paid ( about 2000 $ ) as well as stating that a negative notation would be put on our credit files. I have given them the case numbers but it seems the fraud department does not share the information with the collection department. We were again by the fraud department to fill out forms ( some of them to be notarized ) that then never arrive. They insist that all this could be handled at a bank branch but due to our work schedules we have only been able to go to a branch once and that was not a useful experience. We requested the evidence they used in denying the claim-such as a list of all the time stamped transactions, video images of the perpetrator at the ATM and at XXXX making the purchases at XXXX. However, they have never provided the information only sending a denial letter. They have been very uncooperative. Without the proper information we can not adequately rebut any inconsistent information-my daughter is minor teen and even a week after the incident could not adequately recall which days she may have worked or not and what places she went or not let alone months later. The places that the thieves went to get and spend money were at some distance from our home base and it ridiculous how the bank is handling this situation.
Product: Checking or savings account

Im sure that you all are aware, but I have a checking account with capital one and have not received my direct deposit for my paycheck this week. Typically it deposits Thursday, but as of now I have received nothing and capital one has not provided any sort of timeline within which my money will be received. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was incurred as a result of fraudulent charges, for which I am exempt under the Zero Liability policy of Visa and Mastercard.
Product: Credit reporting, credit repair services, or other personal consumer reports

Id like to file a formal complaint against CitiBanks Best Buy Credit card. 

This past month ( XX/XX/XXXX ) my husband and I applied for a equity line of credit from our bank. I was told my credit score was to low to be approved for a loan because of a closed Best Buy from Citibank credit card. 

I contacted Best Buy immediately to find out what this was about. They told me that in XX/XX/XXXX a charge for {$19.00} was made on the credit card and not paid, so the account was closed in XX/XX/XXXX and reported to the credit bureaus as delinquent. 

Here is the background on the BB credit card. 

My husband and I were purchasing a lot of items from BB in XXXX of XXXX. BB persuaded me to open a BB credit card account in XXXX of XXXX to take advantage of an offer ( a BB gift card for {$300.00} ). My Credit score at that time was around XXXX so I was approved immediately for the card. I was set up with daily promo Emails from best buy and electronic statements. 

I purchased several items on the BB card for over {$3000.00} and paid it off in full on the due date XX/XX/XXXX. 

Unbeknownst to me my husband purchased something in XX/XX/XXXX for {$19.00} on the credit card. 

The BB statements were coming via email along with daily BB promo emails. I thought they were all promo emails so never opened them. 

No one from Best Buy/Citibank reached me by phone nor did I ever get anything in the mail about this {$19.00} charge. 

After being denied the equity line of credit I called Best Buy and spoke with XXXX said she would contact Citibank on my behalf to resolve the situation. 

XXXX contacted CitiBank 's XXXX XXXX ( XXXX ) who told us it doesn't matter the circumstance or that the charge is {$5.00} or {$5000.00}. The {$19.00} was not paid and the account was closed. They will not allow me to pay the charge nor will they removed the delinquent status to the credit bureaus. 

XXXX of Citibank 's only communication with her was phone, fax or regular US mail, No email. Yet Citibank 's only contact with me about the Best Buy statement was via email which was lost among the hundreds of emails from BB. 

I have asked XXXX XXXX of CitiBank with out success to please allow me to pay the {$19.00} charge and for them to remove your negative reporting from the Credit Bureaus. 

I called one of the credit bureaus and they said the negative report from Citibank will remain on my Credit report for 7 Years. 

My combined credit available to me is $ 70,000+. We typically owe less than 10 % of that each month. I pay off ALL our credit cards in full every month and have done so since getting my first credit card at XXXX years old. 

Please note this complaint against Citibank, ask them to allow me to pay the {$19.00} charge and remove the negative report from my credit history. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have 2 outstanding issues : 1 ) In XXXX of 2023 I applied to have my PMI payment removed. In XXXX, Huntington Bank had an appraisal done on property which came out to {$700000.00}. My XXXX statement balance is {$540.00}, XXXX. That means that my LTV is 77.7 %, below the 80 % threshold. I was denied removal of PMI on the basis I did not provide evidence of value, even though Huntington ordered the appraisal. 

2 ) In XXXX of XXXX Huntington paid my property taxes out of escrow in the amount of {$12000.00}. This was correct. However, another lender of another pin in my building also paid my taxes using my PIN instead of the one they should have been using. The taxing authority, XXXX XXXX, credited my escrow in error for {$12000.00} in XXXX of 2023. A third party, XXXX, is now attempting to collect that amount and threatening to send me to collections. This amount is sitting in my escrow, and in a phone call on XX/XX/2023 Huntington agreed to pay XXXX this amount. Instead, they did not pay XXXX  and performed an escrow analysis and sent me a check for {$1900.00} and raised my mortgage payment from {$2900.00} to {$3700.00}.
Product: Credit card

Macys Star Rewards Credit Card is charging 33.49 %!!! 

I called and asked for a reduction and I was told all customers are charged this outrageous rate. 

I have a credit rating of XXXX and several credit cards, none above the 16 %. 

Can this be changed?
Product: Debt collection

In regards to a XXXX XXXX XXXX phone debt I called a debt collection agency by the name of Sequium ( ref # XXXX. I spoke with a representative by the name of the pseudonym XXXX XXXX. I told her I would call back due to my work schedule at approximately XXXX on XX/XX/21. 

I called back and spoke with another representative, pseudonym XXXX XXXX at on XX/XX/21 at approximately XXXX XXXX. XXXX gave me terms to settle my debt. During this conversation XXXX explained that a settlement offer of 30 % of the full amount due. I agreed to these condition and a payment arrangement over the course of 4 months. Before the transaction could be completed this call was disconnected. 

On XX/XX/21, I received a call from XXXX  at approximately XXXX and she explained that the 30 % settlement terms were not possible. After explaining that this was not what I was told, she became rude, abrupt and clearly hung up the phone. 

On XX/XX/21 at approximately XXXX XXXX  I spoke with a representative with the pseudonym of XXXX  XXXX. During this call, I was spoken over, the tone of her voice was very disrespectful and I was also hung up on. 

I called back on XX/XX/21 at approximately XXXX XXXX  to try to straighten the situation out and spoke with a representative with the pseudonym XXXX ( can not recall her last name ). Once I explained the same situation, I was hung up on AGAIN.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated following Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was informed that XXXX different XXXX XXXX accounts were opened up in my name. When calling the debt collector I asked for validation of debt and stated I was a victim of identify theft. I was never notified about the debt because the address they where sending it to was a fraudulent address also
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I sent off three letters to the credit bureaus, one to XXXX, one to XXXX, and one to equifax by certified mail to dispute items on my credit report. The letters were received XX/XX/2020 by XXXX and XXXX, equifax received their letter on XX/XX/2020. The fair credit reporting act states that they have 30 days to complete an investigation or else the items are supposed to be removed. I received no response from them at all, after the 30 days was up and not receiving a response from them I sent another letter to them following up on my first letter, still no response from them in any way. I cant even get a representative on the phone to talk to, I'm very frustrated because these companies are taking advantage of the consumers.