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

On XX/XX/XXXX, I noticed my card being used for transactions I didnt authorize I contacted Chime immediately! Totaling {$600.00} long story short I filed a claim on those transactions and was given a heads up I would receive a provisional credit to hold me off just until the investigation is done today they closed my investigation and havent provided me any type of provisional credit which is a lie and also they not telling me why they closed it when Ive provided as much documentation as needed to get this problem resolved the lady on the phone in the background said it sounds like Im just tryna get over on them. Like how can she dare say that when Im trusting you guys to bank with in the first place it makes no sense! Im currently homeless and have no where to go that money was my last hope in this world honestly please you guys Look into the people who work for Chime they do not care about returning peoples money they take 45-90 days to even look into the problem thats red flag number one red flag number to if you going to have a support chat in the app somebody should be able to get a hold of someone that works directly for chime! not the automated bot that literally solves nothing! please return my money
Product: Credit reporting, credit repair services, or other personal consumer reports

Eviction notice from 2015  submitted in two formats -- eviction notice and {$4600.00} owed by XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX ) 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 XXXXXXXX XXXX Here I attach, along with the dispute, my fraud report that I just sent to transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Checking or savings account

Hello today XX/XX/XXXX, Im currently abroad. I tried to transfer from my company bank account A to another company owned by me. The bank blocked the transfer and stated that I need to go personally to a branch to review the transfer. Im currently abroad, I am on late payments I have my registered phone number, debit, info etc and they are not willing to help me. I will need to take a plane, travel the whole world and no help yet.
Product: Debt collection

I have never applied or any contract with company the claim is false and they have not provide any proof that I owe the debt and file this in county That I do not live and this is a violation of the federal debt collection act and have no mean to fight them in another county. this is harassment and I going to file charge against.
Product: Checking or savings account

Someone hacked my login while I was traveling I deposited a large check when I got back I found an account closed and a fraud alert I was never able to use my bank account while I was in my home country
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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 am filing a follow-up complaint against Experian for their continued failure to update my current address on my credit report, despite my repeated efforts and provision of sufficient documentation. 

My current address is : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Over the past year, I have submitted multiple requests to Experian to update my address and delete old addresses from my credit report. I have provided the following documentation repeatedly to verify my current address : 1. A copy of my valid drivers license showing the updated address.

2. Recent utility bills with my current address.

3. Car insurance documents reflecting my updated address. 

Despite submitting these documents multiple times, Experian has not taken action to update my credit report. Both XXXX and XXXX updated my address without issue using the same documentation. 

Experians inaction is now creating significant challenges for me, as my outdated address is being used in various contexts, causing confusion and potentially jeopardizing my financial management. This lack of responsiveness violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain accurate and updated information. 

I request the CFPB to escalate this issue and compel Experian to : XXXX. Immediately update my address to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX. 
XXXX. Permanently delete all outdated addresses from my credit report. 

Experians continued refusal to address this matter is unacceptable and detrimental. I am seeking your urgent assistance in resolving this issue, as Experian has demonstrated a pattern of negligence in addressing my requests.
Product: Credit card or prepaid card

after receiving the catherine 's credit card, I tried making a purchase, with the help of a customer service rep, discount codes weren't working, agent, then stated the orders had to be cancelled, and restarted, however, now that order appears to linger in my account, therefore, I have made several attempt to call customer service, to see if issue has been resolved, and for the entire months of XXXX and XXXX, I have only been getting the runaround, as to pending transactions. 
For instance today I call the number on the back of my credit card comenity bank, the automated service provides that I have my full XXXX available open to buy. So I proceed with an order online, after clicking on confirm checkout, there pops up a warning, that there's an issue and that my order can not be placed, contactact comenity bank to resolve the issue. Catherines customer service always referr me to comenity bank, because tyhey do not have access to the tools to fix the issue. Todays issue was the wesite doubled my order, but online only indicates the one, that I haven't even processed yet. 
I feel my catherines credit card needs to be closed and my information needs to be protected, from whatever is going here illegally.
Product: Checking or savings account

Ive had money stolen from my account multiple times leaving me negative and forcing me to pay it back, unauthorized charges on my account multiple times.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX XX/XX/XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX XX/XX/XXXX Reason : Unverified account Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XX/XX/XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX XX/XX/XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XX/XX/XXXX Reason : Unverified account My social security number has been compromised from the social security breach that occured in XXXX access to the XXXX XXXX XXXX XXXX. Thank you for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if further information is required.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inquiry on Credit Report Dear CFPB, I am writing to dispute an inquiry that appears on my credit report. The inquiry in question is from [ Company Name ] and was made on [ Date ]. I believe this inquiry is incorrect and should be removed from my report.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that this inquiry be investigated and corrected as soon as possible. I have attached a copy of my credit report with the inquiry circled and supporting documents that show why this inquiry is incorrect. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXXI filed dispute XXXX XXXX for XXXX with Venmo because I overnighted a XXXX XXXX and video game from XXXX XXXX then for some reason switched my same day delivery to an in-store pick up and even sent me a XXXX dollar gift card for the inconvenience then told me once the aloud days past for me to pick up my order and I dont then they would void the transaction so XXXX days later i get an email from XXXX saying thank you for picking up your purchase and said i picked it up from the XXXX at XXXX. XXXX isn't even open at XXXX. I never received my order from XXXX and they refused to give me a refund. So on XX/XX/XXXX I filed the dispute with Venmo sent the all the emails I had that was 100 % proof of what I was saying was true. I use my Venmo daily and they said they had my back on the situation but I still haven't received my money back and its been over XXXX days please help!
Product: Mortgage

NOTICE AND DEMAND The information that is reporting for the month of XXXX is reporting a late which is incorrect. There is a forbearance plan in place and has been in agreement that has been kept please see attached payment that was made on XX/XX/XXXX which is not a late of a XXXX  day late. This information needs to be deleted and corrected as not late. This erroneous reporting is on Trans Union, XXXX and XXXX and is causing a hardship.
Product: Checking or savings account

My bank ( Bank of America ) is holding a deposit I made at an ATM until XX/XX/XXXX in violation of Title 12, Chapter 41 of the US Code and Title 12, Part 229 of the Code of Federal Regulations, the Expedited Funds Availability Act of 1987.  They are also violating their own deposit account agreement or contract with me. 

I deposited my first check with Bank of America on an account younger than 30 days on XX/XX/XXXX. I was informed that it was subject to a mandatory hold period until XX/XX/XXXX at  the time of the deposit at the ATM. I went into the bank to discuss and they indicated there was nothing they could do and for future deposits, to cash the check with a teller and deposit cash. I am a XXXX XXXX XXXX employee and the check was a check issued by the XXXX XXXX XXXX. I called on Saturday, XX/XX/XXXX, and spoke with several people with Bank of America, and finally spoke with a manager who advised that she would put in a request for them to release the funds once they had cleared. I called again on Monday, XX/XX/XXXX,  and was informed that they did not see a " ticket '' for that request, but that if approved, it would go through no later than XX/XX/XXXX. 

I reviewed my deposit account agreement with Bank of America, which says in relevant part on page 31 : Special Rules for New Accounts If you are a new customer, the following special rules may apply during the first 30 days the account is open. Funds from electronic direct deposits to your account are available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first {$5000.00} of a days total deposits of cashiers, certified, tellers, travelers, and federal, state and local government checks are available no later than the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you and deposited in person to one of our employees. The excess over {$5000.00} is available by the fifth business day after the day of your deposit. If your deposit of these checks ( other than a U.S. Treasury check ) is not made in person to one of our employees, the first {$5000.00} will not be available until the second business day after the day of deposit. Funds from all other check deposits are generally available by the fifth business day after the day of your deposit. However, we may place longer holds on certain items for other reasons, such as large deposits. '' In addition, pursuant to Regulation CC as interpreted by the Federal Reserve applying the EFAA, if I made a deposit of a government check at an ATM, it should be made available to me no later than 2 business days after the deposit. Being generous with the weekend, today is that day and they are refusing to release my funds. I went in person today and spoke with a manager at the branch at XXXX XXXX XXXX in XXXX, IL, and was told there was nothing they could do.
Product: Mortgage

On XX/XX/2023 I received a letter dated XX/XX/2023, informing me that my loan will be transfer on XX/XX/2023. I reached out to the bank where I pay my mortgage at, in person and then to my home mortgage company by phone, on the morning of XX/XX/2023. I was giving verbal information of steps to take in order to stop and avoid the transfer. On XX/XX/2023 at XXXX AM I paid my loan off, over the phone, according to the information giving to me by my mortgage company. On XX/XX/2023 I received a letter from my mortgage company letting me know the service of my mortgage has been transferred to another mortgage company and showing my final escrow review balance. I also received two letters from my new mortgage company. One letter was welcoming me to the company and the other letter was a mortgage statement for payment in the amount of {$640.00} due on XX/XX/2023. On the morning of XX/XX/2023, I reached out to my previous mortgage company twice, with two different representatives. I was told there was nothing they could do, and I need to reach out to my new mortgage company. The calls ended with them letting me know that they understood me, and they were sorry. On the same morning, I reached out to my new mortgage company twice, with dissatisfying results. I asked to speak with someone in the payoff department and was told they didn't have one. The calls ended and I was not connected to the feedback serve as I indicated at the beginning of the call.
Product: Credit reporting or other personal consumer reports

These inquiries were unauthorized and I need these removed as soon as possible. I do not recognize these inquires on my credit reports- XXXX, Experian, and XXXX. The following need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Attached is a FTC Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

These need to be removed from my equifax credit report. I have already disputed them multiple times and they keep coming back up, causing me to have to re dispute them again. I am a victim of fraud and identity. This account and inquires are fraudulent and they are not mine. 

Item disputed XXXX - XXXX XXXX XXXX Issue type Account ownership and fraud issues Issue I believe I am a victim of fraud or identity theft and this account was fraudulently opened in my name. 
Item disputed XXXX XXXX XXXX XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX  Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX  Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX  Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX 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. 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. An 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. GOVERN YOURSELF ACCORDINGLY!
Product: Debt collection

Midland Funding called me attempting to collect a debt they say I owe. I tried to convince the lady they have the wrong person but she ignored me completely acting as if I 'm lying.. I finally hung up because she kept asking for my social security number and phone number. I told her since they called me she should already have my information. I figured it was a bogus phone call but then today I was notified they placed a Collection on my Credit report. I ca n't understand how companies can do this with NO proof of any kind.
Product: Mortgage

In XXXX 2014, our house was hit by a severe XXXX. PennyMac, as our mortgage holder, is responsible for disbursing the funds from our insurance company so that we can pay for repairs to our home. 

Repairs are now complete, but PennyMac is stalling on releasing payments. This means that we either have to ( a ) go out of pocket and pay contractors ourselves ( approx {$40000.00} ) or ( b ) continue to nag PennyMac to release our repair funds, and run the risk of incurring late payment fees or, worse, a lien from our general contractor. 

Numerous calls to PennyMac have failed to push the process forward. It seems that PennyMac has instituted a process of losing paperwork and giving its mortgagees the runaround in an attempt to keep our money as long as possible and generate interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights 15USC 1681 section 602 states i have the right to privacy 15USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 16688 : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX would like to know whos been making payments on Regarding Employees from XXXX XXXX. XXXX XXXX XXXX has made false claim that another Corporate Entity name XXXX XXXX XXXX owes? The XXXX XXXX XXXX XXXX was created by the Employees oXXXX Social Security Administration and XXXX XXXX XXXX without a Express Contract Agreement with Natural Living Man the Actual Beneficiary/Administrator over the All XXXX XXXX XXXX XXXX With all due respect, This is a big scam because the non affiliated financial institutions which are XXXX, Experian, and XXXX are getting the profits and Eye as the Natural Living havent received not check and/or payment from the derivatives, assets, interest and proceeds that the Social Security Credit Number has produced! Yet experian sent an email to XXXX stating congratulations on an XXXX  month payment streak. Whos been making the payments and wheres the proof of how, when, where, time, date, day, year and month that the payments are being made? What bar member or public official made the payment and produce the Express Contract that Eye as the Natural Living Private Man have with the acting bar and/or XXXX Member whos a Man and/or Woman?
Product: Credit reporting or other personal consumer reports

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX Account Number : XXXX It's showing an inaccurate payment history, nothing is matching at all. There are many discrepancies and inconsistency across the reports and I have no actual verification that this is my actual account. 

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Product: Checking or savings account

On XX/XX/23 I initiated a Bill Payment in the amount of {$570.00} through Wells Fargo to XXXX XXXX. 

Their bill pay system accepted my request and indicated that the payment would arrive at XXXX XXXX on XX/XX/23. 

XX/XX/23 was, co-incidentally, my payment due date. 

Unfortunately, after placing this request, for whatever their reasons, Wells Fargo, with no notice to me, changed the delivery date from XXXX to XXXX. 

This caused XXXX XXXX to assess a {$29.00} late fee and they will also be assessing finance charges to my account. 

I have never paid an account late and this may negatively effect my credit score. 

I did report this to Wells Fargo. Wells Fargo opened case # XXXX however Wells Fargo claimed it would take them 10 business days to " investigate '' the matter. 

If we wait that long, there will be no chance to avoid the imposition of finance charged by XXXX XXXX.