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

Chime ( who operates with The XXXX Bank ) closed my account with no prior notice and no warning. They gave ABSOLUTELY ZERO explanation for why and never tried to reason with me. They said in an e-mail they would " send out a check within a month '' to my address, but I simply can not wait that long to pay bills as I am a full time college student. The initial email was received on XX/XX/2021. 

I have reached out to Chime no less than *4 times* to try to get a response from them to see what is going on, but every time I have been responded with " Our team will get back to you shortly. '' I still have not received ANY response from them at all. I am not a wealthy college student, not by a long shot. The {$3000.00} that was in that checking account is something I need to have on hand to buy things like food. 

Trying to call Chime on the phone, you are met with " We see that we have closed your account. Please e-mail us and we can assist you if you need. Goodbye. '' ( Paraphrasing slightly there ). Chime is making it absolutely impossible for me to make any contact with them, despite there being NO FRAUD IN MY BANK ACCOUNT.
Product: Credit reporting or other personal consumer reports

As per the Fair Credit Reporting Act ( FCRA ), outlined in 15 USC 1681, it is imperative that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and a deep regard for consumer privacy, as stated in 15 USC 1681 section 602 ( a ). XXXX, Experian, and XXXX function as consumer reporting agencies, while I am the Consumer. My right to safeguard my private information from dissemination is supported by 15 USC 6801, which underscores the obligation of financial institutions, including ( Furnisher of information to credit agencies ), to respect customer privacy and safeguard nonpublic personal information.

Referring to 15 USC 1681 section 604 ( a ), section 2, it is established that any consumer reporting agency may only furnish a consumer report with the written instructions of the concerned consumer. Both ( Furnisher of information to credit agencies ), the financial institution, and the consumer reporting agencies, XXXX, Experian, and XXXX, lack my consent, which includes verbal, non-verbal, written, implied, or any other form, and I hereby revoke any and all such consent. 

According to 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without providing the consumer an explanation of how to exercise the nondisclosure option. Unfortunately, ( Furnisher of information to credit agencies ) never informed me of my right to exercise this option.

Moreover, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse items of information in consumer reports without authorization. This account, reported as an adverse item without my permission, violates this provision.

Under 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful to furnish inaccurate information to consumer reporting agencies. XXXX, Experian, and XXXX are failing to maintain reasonable procedures in line with this requirement. 

Additionally, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations of section 1681c and limit the furnishing of consumer reports to the purposes listed under section 1681b. XXXX, Experian, and XXXX are not adhering to these standards. 

In accordance with 12 CFR 1016.7, I am exercising my right to opt out of reporting services for the following accounts : XXXX XXXX XXXX ( ACCOUNT NUMBER : XXXX ) XXXX XXXX XXXX ( ACCOUNT NUMBER : XXXX ) XXXX XXXX ( ACCOUNT NUMBER : XXXX ) XXXX  ( ACCOUNT NUMBER : XXXX ) XXXX XXXX ( ACCOUNT NUMBER : XXXX ) XXXX XXXX ( ACCOUNT NUMBER : XXXX )
Product: Debt collection

On XX/XX/2023, I reviewed my credit reports and noticed an account from this company that I do not recognize. I believe this account is an error and they are mistaking me for someone else. In fact, I have never done business with this company or the company they claim to represent. I would like to ask for proper validation on this account as outlined in the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } they need to provide with all the following ; What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : Documentation that shows I agreed to pay this debt with my signature. And documentation showing I gave you permission to have my information : Provide me with paperwork showing I gave YOU AUTHORIZATION to report this to my credit report. NO CONSENT to you having my information and unauthorized use of my social security number is IDENTITY THEFT AND YOU WILL BE REPORTED FOR SUCH!

By reporting this erroneous account this company is violating the following FCRA laws ; 15 U.S. Code 1692d - Harassment or abuse, 15 U.S. Code 1692j - Furnishing certain deceptive forms, 15 U.S. Code 1692k - Civil liability, and Defamation of character. This inaccurate and fake account has been very detrimental to my credit health and my life. It is causing great stress to me and my family.
Product: Money transfers

I send my husband to get home and the money gram agent said it was picked and my husband told me it has a freeze on the money I need to know what to do
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$840.00} XXXX XXXX : {$810.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXXXXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX FIN XXXX Balance : {$380.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX Balance : {$840.00} XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX FIN XXXX Balance : {$380.00} XXXX  XXXX : {$2800.00} XXXX XXXXXXXX XXXX Balance : {$840.00} XXXX XXXX Balance : {$810.00} XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX : {$2800.00} XXXX XXXX FIN XXXX Balance : {$380.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> I looked at my credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

AND according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

On XX/XX/2023 I attempted to cash out {$480.00} from my cash app account to my bank account. I was prompted to give my debit card information and or bank account information, I never got a message like that before, and I decided to wait a couple of days. On XX/XX/XXXX I attempted to cash out again the {$480.00} sitting in my cash app account, and the same price came up again asking me to give my credit card information. At that point I called Cash App from a number in my XXXX search. The person on the other end explained to me that he can fix the problem, I needed to open an app called go to resolve which I did, and he was able to steal my money through a series of transactions. When I realize what happened I called and got a cash app representative and gave him all the information and persons name and number. XXXX then told me they will email me the results of my claim. He let me know that it would take at least 10 days to get a result from this claim. The very next day XX/XX/XXXX I received an email from Cash App stating I authorized the transactions and theres nothing he could do. My argument is I never would have reached out to anyone had I not been prompted to give my credit card information or bank account information when I try to cash out. Ive never experienced a problem cashing out before. This person was able to take {$480.00} from my cash app account and also take {$480.00} from my checking account. This person also try to obtain a loan from XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX on the same day. There were other fraudulent activities on my other bank account from the same person in which he was unsuccessful to get the money. All of these transactions happen between XX/XX/2023. This individual called me on XXXX XXXX disguised as my bank asking me to speak to the Fraud Department and I simply told him I would talk to someone in the branch the next day they were attempting to try to get the rest of the money out of my checking account through a credit card in which they transferred {$3000.00} from to put into my checking account. He used the name XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am missing one of my Wells Fargo Credit Card account on my XXXX Credit Report. My account from Wells Fargo : XXXX is not reporting on my XXXX credit file. The account disappeared off the file about 3 months ago although it is still open. The account has a credit limit of {$2000.00} and this is affecting my credit utilization rate tremendously. I need this problem fixed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going to check out a new car at XXXX. After careful consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX {$880.00} XXXX  XXXX {$4600.00} XXXX XXXX  XXXX {$53000.00} XXXX  XXXX XXXX {$430.00} XXXX XXXX   XXXX {$150000.00} XXXX XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$0.00} XXXX  XXXX XXXX {$1600.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}
Product: Checking or savings account

HI, I HAD ACTIVE ACCOUNT WITH CHASE BANK FOR SO MANY YEARS WITH NO PROBLEM, UNTILL LAST XX/XX/2018, MY CHECKING ACCOUNT WAS CLOSED BY THE BANK.AND GAVE ME CHECK FOR THE BALANCE OF {$16000.00}. 
I DID NOT HAVE ANY BOUNCE CHECK OR ANY SUSPICIOUS ACTIVITY. 
AT THE SAME TIME I HAD SECURITY CLEARANCE FROM THE XXXX XXXX XXXX. 
SINCE THEN I AM TRYING TO OPEN ACCOUNT AGIN, BUT CHASE BANK KEEP DECLINE MY REQUEST, I WAS TOLD THEY HAVE THE RIGHT TO DO THAT WITHOUT SHARING INFORMATION WITH THE CLIENT. 
ALSO I WAS TOLD I AM RESTRICTED FOR LIFE FROM OPENING CHECKING ACCT WITH CHASE ( FOR LIFE ) .CAN YOU BELIVE THIS FOR LIFE. 
ON THE OTHE HAND LOOK AT THE CRIMINAL WHO COMMIT MAJOR CRIME AND THEY GET PUNISH FOR # OF YEARS, IS THIS HOW THE DEMOCRACY WORKS? 
ARE WE LIVING IN THE BEST COUNTRY IN THE WORLD OR THE RICH BANKS AND BIG GUYS SUFFOCATING AVREGE PEOPLE LIKE ME.
Product: Credit reporting or other personal consumer reports

Multiple inquiries on my XXXX report that I did not authorized. 
ONEMAIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 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 of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX/XXXX   XXXX, XXXX XXXX I have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX accountsfor months. The credit bureaus never reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP please this has hurt my credibility..
Product: Student loan

I always pay at least {$100.00} more than my interest payment monthly and for the past year my balance has stayed the same. I think I 'm getting ripped off, please help!
Product: Checking or savings account

XXXX XXXX XXXX unauthorized transactions of XXXX XXXX XXXX XXXX dollars was made to my account. When I noticed that my account have been hacked I called chime and spoke with a chime customer service representative and inform them that I wanted to dispute the XXXX unauthorized transactions. I informed chime that I dont know any of the receivers that have received the money none of those users are in my contacts and Ive never sent money to them. I let them know that My account has been compromised and I wanted to get new credit cards to avoid any more unauthorized transactions.Ive called and spoke with the dispute department and they told me I was eligible for a temporary credit of XXXX dollars. The day before I was going to receive my temporary credit my claim cased was closed. All of my money was stolen from me and my family. This is the second claim Ive filed with chime about the unauthorized amount of XXXX dollars.
Product: Credit card

A charge was made on XXXX XXXX in XXXX in the amount of about {$9500.00} When I noticed the charge I reported the fraud transaction to Chase Bank After they investigated I was contacted by the fraud department on or about XX/XX/XXXX that after their investigation that someone on the phone had presented enough information about me that they considered it was me and that I would be held responsible for the charge The charge was added back to my card balance I now owe another {$10000.00} without any product is service for it
Product: Checking or savings account

In XXXX I made a {$1000.00} principle payment to my HELOC, it got credited and then reversed. Couple weeks later I found it on my statement listed as unapplied funds. I called B of A XXXX on XX/XX/XXXX spoke with someone and was told it would be fixed in about 2 weeks. Case ID XXXX. In late XXXX nothing so I called again. Manager got involved and I was told it posted on XX/XX/XXXX and I should see it in a few days. Now XX/XX/XXXX and nothing. My XXXX statement came and the {$1000.00} unapplied funds no longer shows but it was not posted to my HELOC or back into my checking account. Called again, spoke to a nice man, he said he would contact someone internal in another depsrtment to get help. Now 1 hr and 12 min later I am still on hold. B of A has terrible costomer service in there HELOC department and basically stole my {$1000.00}. 
B of A HELOC Account number : XXXX Account summary Property address XXXX XXXX XXXX XXXX End of draw date XX/XX/XXXX Beginning balance* {$34000.00} Days in billing cycle XXXX Average daily balance {$33000.00} Credit limit {$110000.00} Line of credit principal balance {$29000.00} Fixed-rate option principal balance {$0.00} Total principal balance {$29000.00} Available credit {$82000.00} *This amount includes finance charges and other fees ( if any ) XXXX Payment information Periodic FINANCE CHARGE {$110.00} Principal payment {$0.00} Current period fees and charges {$0.00} Past due amounts {$0.00} Minimum payment due {$110.00} Unapplied funds** - {$1000.00} New balance* {$29000.00} Payment due date XX/XX/XXXX Automatic payment of {$110.00} will be drafted on XX/XX/XXXX **Please see the Other important information section of this statement
Product: Debt or credit management

Currently dealing with Experian about my credit score they are claiming that I have delinquencies late payments, non-mortgage payment and not long history of credit which all XXXX of those things are false and when I call Experian they are showing that I have excellent payment history excellent loan paying loans back that I dont have a non-mortgage payment, and that my credit history is over XXXX years so I dont know I dont understand where the miscommunications coming from and how my credits being affected by something that they cant see you guys probably cant help me, but it would be nice if somebody could help me
Product: Credit card or prepaid card

I used my credit card to purchase sensors from XXXX XXXX XXXX. And then after paying them with a check from my monthly bill. They billed my credit card for the same amount again. And I never gave them permission to use my credit card for billing. I called Capital One and they started a fraud case. They said that they would send me out paperwork to fill out. They never did send out anything for me to return.They did however send me a letter. Saying because I didn't provide them proof. They were giving them the money. And I told them I never authorized them to use my card. And they were helping them commit fraud. So I closed my account with them. I have never seen any credit card company approve a transaction a customer didn't. If you don't see something wrong here I wonder. I thought it was my credit card not Capital One 's. I didn't know they got to approve what I purchased with my card. Maybe they should make the monthly payments too.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$130.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

I took out a mortgage with Bank of America in XXXX of XXXX  Because I hold my primary bank accounts ( savings and checking ) with Bank of America, it should be easy and seamless to withdraw the funds from my bank account to pay my mortgage account. A representative at the bank helped me set up my mortgage account in XXXX  to do this. 

However, it has been confirmed for me, just within the last couple of weeks, that the payments were set up incorrectly in XXXX and, when my escrow recently increased, the payments the bank has been withdrawing have been less than my new mortgage payment. I noticed that I had a small overdue balance months ago and called the bank only to be told that it was set up to 'correct itself ' and I did not need to take any action. I paid this no further attention because, again, my payments are set up to be taken automatically from the bank. However, I recently started receiving phone calls that I was behind on my mortgage payments. 

So I called the bank on XX/XX/XXXX and the representative confirmed that my mortgage account was set up incorrectly by the bank in XXXX. Specifically, my payments were set up to be made through automatic " Bill Pay '' rather than a " Pay Plan ''. I was never advised of this, even though I asked the question multiple times. The representative waived most of the late fees the bank assessed but noted that there was an additional {$47.00} that the system would not allow him to process since it was a " partial fee ''. He instructed me to call mortgage customer service to have this fee waiver processed. As for correcting future payments, the bank 's system will not allow me to set up the proper " Pay Plan '' going forward until this is reconciled. 

I called mortgage customer service on XX/XX/XXXX as instructed. I was on the phone for XXXX minutes explaining the situation to 3 different representatives only to be told that their system would not allow them to process the waiver since the issue goes back further than 12 months. I was told a supervisor would contact me. On XX/XX/XXXX I called again since I did not receive the promised call from the supervisor at the bank. I was told this time that there is no way they can waive the fee because their systems don't allow it. 

So, in summary, Bank of America set up my mortgage account incorrectly, told me it was correct when I inquired about it, withdrew insufficient funds from my banking account, charged me late fees as a result of their error, and made my ability to set up future payments contingent on paying these fees ( or else incurring additional late fees ). All of my conversations with the bank are documented in my file with them. The difference is less than {$50.00} but, on principle, I should not be expected to pay for this. I, again, am requesting that the bank process a waiver for the remaining {$46.00} so that I can they set up my " Pay Plan '' properly going forward. Also, their reps should be trained on this process so this does not happen to other customers, assuming this was a mistake and not a sanctioned process within the bank for more fraudulent purposes.