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

debit card was stolen XX/XX/2018 reported to bank XX/XX/2018 charge to debit card XX/XX/2018 {$130.00} charge to debit card XX/XX/2018 {$3700.00} I disputed charges with bank, they said I would not be responsible for these charges. 

I received letter and calls from bank stating if I didn't pay these charges I wouldn't be able to open another account with them. 

I paid. 

I tried to open another account with Chase Bank 2 more times I tried to open bank account with 3 different banks, but I was denied from all banks. 

I filled out a report with XXXX XXXX Please advise what other steps i can do to open an bank checking account. 

thank you
Product: Payday loan, title loan, or personal loan

I did not agree to loan terms. I was never contacted via phone for loan terms. The interest rate is shark-like. I 'm not even sure this is legal. Contract did not specify paying eve ry two w eeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was notified about an account that is closed. I submitted a dispute request and was advised 24 hours later that the account had been investigated and the account was verified. This account has been closed since XX/XX/2019 and there is no way that a closed account was verified as still active and open. There are 2 self lender accounts. The current one was opened on XX/XX/2019 and is the current one. The one that is in dispute was opened in XX/XX/2019 and closed on XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : This letter is being written to dispute the account, which I have done several times. You have responded by stating that the creditor or collection agency verified the account. I have contacted the collection agency/creditor on several occasions as well, and they have yet to respond to my dispute, therefore, your company could not have reached them concerning this debt. Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well as verify it's accuracy. If the account can not be verified, your company must delete the account from my credit report. If you can't show proof that you have verified this debt and you continue to list this item on my report, I am prepared to sue your company under the Fair Credit Reporting Act. 

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

In XX/XX/XXXX I received my consumer report stating that My account was closed and paid for XXXXXXXX XXXX, which that information was correct. I tried to open another account due to the fact I paid them off and nothing else was on my report. I was then transferred to another representative stating that the account was not paid off and they need a receipt of the payment. I told them I no longer have access to the transaction which happened in XX/XX/XXXX-XX/XX/XXXX. The representative then says that she sees I paid it but the money was a returned payment. I advised that that could not be true. The issue is still not resolved and showing negative impact on my consumer history.
Product: Credit card

I had a Capital One Credit Card account that was opened in XXXX and paid and closed in XXXX. Recently Capital One reported my account to the credit agencies as a charged off account. I contacted Capital One and the representative stated that the information was a mistake and the derogatory account with be removed the credit reports. I recently checked my reports again the information is still appearing on my reports. Once again I contacted Capital One and another representative stated I owe {$1800.00} I stated this account was paid in full at the bank. I send Capital One the receipt and about 2 1/2 weeks later they apologize ancestors once again the stated the the information will be removed from the reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies were required to remove fraudulent information from my report within 4 days it has been over XXXX weeks and I have not gotten a response and the fraudulent information has not been removed this is a violation of my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

see attached- fraudulent accounts reporting on my consumer file remove immediately. in violation of my consumer rights and defamation character. 
XXXX XXXX XXXX XXXX  send updated report with it removed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 SD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX DE XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX GA XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA 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 card

Discover Card will not issue the proper credit for merchandise that was returned to a vendor. The vendor was selling the product as " new '' but it was not. They say that the time period has lapsed when in fact I was waiting on Discover and the vendor for a response. Have all correspondence and proof of delivery receipts.
Product: Debt collection

I noticed this company reporting a debt on my credit report. I don't know who this company is or even engaging in any business with them. I asked them to verify who they are, which contract I signed for what good or service which they provided to me and dates. They have yet to send me any valid information or method of such.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 reported in to be removed.

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX 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! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  XXXX card alerted me of a change to my experian credit report. Saying this : A lender requested a copy of your credit file. 

Reported By Comenitycapital/acadmy XXXX XXXX XXXX XXXX, OH XXXX Reported On XX/XX/2023 There is contract information for them and they are not recognized by XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting 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 am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : 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/XXXX
Product: Debt collection

Credit Control Corporation claim I owe {$2900.00} but under Virginia State code they can not collection debt over 36 months old. I have tried to explain this but they did not care, I also sent them a copy of the code Sect 8.01 846.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has once again added a negative remark to my credit report after removing it 3 times now. I have filed complaint after complaint with CFPB regarding this matter with XXXX XXXX. XXXX will reply quickly, remove or update my credit report, and then it will arrive again on my credit report within a couple of months. 
My credit report now says " PAYMENT DEFERRED ''. This is a negative remark, and will affect my ability to secure future mortgage financing. 
I need this to be removed. I have proven over and over again that this remark is not accurate. XXXX has provided me numerous apology letters stating this information is not accurate, and then they remove it. 
I need this to be removed immediately because I am in the process of having a home built and trying to secure financing. 
Thank you
Product: Credit reporting or other personal consumer reports

I attempted to login, create, reset or obtain access to my Experian account online since XX/XX/year> so I can view freeze status and freeze or unfreeze my credit with Experian. The company said they could not verify my identity, I provided addtional information. I received no response. 

Experian does not provide phone support for those who are unable to access their information. Experian 's phone trees refuse to allow you to speak to a human, despite their website advertising that if you need to provide additional information to verify your identity, it can be done over the phone. this is not true. Experian 's phone tree forces callers to select items that do not pertain to them, and dead-ends them by refusing to let them select any item that would allow them to speak to a human. 

This denied access is in violation of the FCRA and experian 's own advertised user experience.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO. XXXX XXXX XX/XX/2024 Gateway Financial Solutions XXXX XXXX XXXX  XXXX, MI. XXXX Subject : Notice of Securities Fraud and Violations of 16 CFR 433.1 and Truth in Lending Act Dear Gateway Financial Solutions, I am writing to formally address and notify you of significant legal concerns regarding my account. Specifically, the financing arrangement between myself, Gateway Financial Solutions, and the car dealership XXXX XXXX XXXX has violated applicable laws and regulations, including 16 CFR 433.1 and the Truth in Lending Act ( TILA ).

1. Violation of 16 CFR 433.1 ( The Holder Rule ) According to 16 CFR 433.1, a car dealership acting as a seller is required to offer a money purchase loan or cash advance rather than a finance loan. The contract provided by XXXX XXXX XXXX failed to comply with this requirement, as no money purchase loan or cash advance was offered or extended to me. This failure constitutes a clear violation of the Holder Rule, which protects consumers from deceptive lending practices.

2. Invalid Contractual Arrangement Under 16 CFR 433.1, a contract is valid only between the seller, the creditor, and the finance company. At no point did I, as the consumer, directly engage in a contractual agreement that properly meets the formal or informal requirements of this regulation. It is unclear how and at what stage I entered into this financial arrangement, as the retail installment sale contract fails to adequately reflect the legal standing of all parties involved.

3. Truth in Lending Act ( TILA ) Violations The contract in question discloses compliance with the Truth in Lending Act. However, the failure to provide me with a money purchase loan or cash advance renders the contract invalid under TILA provisions. The terms of fi
nancing were misrepresented, leading to a lack of transparency and informed consent on my part.

4. Language Fraud in the Retail Installment Sale Contract The contract presented by XXXX XXXX XXXX contains misleading and fraudulent language regarding the nature of the financial arrangement. The terms and conditions fail to clarify the proper legal and financial relationship between the seller, the creditor, and the consumer. Such deceptive language amounts to fraud and violates my rights as a consumer. 

Conclusion and Request for Resolution Based on the above points, I firmly believe that Gateway Financial Solutions and XXXX XXXX XXXX have participated in securities fraud and deceptive lending practices. I request immediate action to address these violations, including a full review and cancellation of the fraudulent contract. 

Please provide a written response within 15 days acknowledging receipt of this notice and outlining the steps you will take to resolve these issues. If no satisfactory resolution is provided, I reserve the right to pursue further legal action and file complaints with relevant regulatory authorities. 

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

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXL Account Number : XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/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 is 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. 
XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX  ) XXXX Balance : {$700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$510.00} XXXX & XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$380.00}
Product: Checking or savings account

XXXXXXXX XXXX XXXX XXXX to whom it may concern I am writing this letter in order to explain the case of the problem that I have had for XXXX years specifically, since XX/XX/XXXX 1. At that time, my business XXXX XXXX XXXX had a checking account with the bank JP Morgan Chase Bank, which number is ( XXXX ), at that time my company was doing business with the company XXXX XXXX XXXX XXXX, which had an account at XXXX XXXXXXXX XXXX 2. To be more specific, my company received a wire transfer for the amount of XXXX to our account at Chase Bank, which was there for a week without problems, which was due to the dispatch of some XXXX materials that I sold to this company, which I have a receipt for that service. 

3. After some time, Chase Bank let us know that our account had been blocked and that we had to wait 45 days for the return of our funds. The 45 days passed and we never received any response. 

4. I tried everything possible by calling Chase departments, going to branch offices and speaking with bankers and representatives. from both banks, from XXXX XXXX XXXX to find out what had happened with the wire and from Chase to find out what had happened with my funds 5. Now with this situation, XXXX years have passed. In the last claim, I found out that Chase had taken the action of returning my funds without my knowledge to the opposing bank, that is, XXXX XXXXXXXX XXXX With the help of claims and lawyers, the opposing bank, XXXX XXXX XXXX, responded and said that they are willing to return that money as long as Chase sends them a hold harmless letter to recover my funds. I have called Chase Bank so that they take action, but they do not answer my calls, messages or emails. I have tried to contact the Chase executive office and they do not answer. In fact, there is a person whose name is XXXX and who is handling my case. The office number is XXXX XXXX XXXX and the extension is XXXX. My case number is XXXX. 

Adding to this case, this department of Chase Bank called them and they evaded me, they transferred me from department to department and they didn't give me an answer, they practically ignored me and this situation has led me to bankruptcy since they were funds with which I worked, for this reason I decided to make this claim. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

Company lied about interest rates and i never even used the account
Product: Credit reporting

Someone else 's address, misspelled my old address and someone else apply for cell phone account. This cause my hard inquiries to increase, need to be removed.
Product: Checking or savings account

On XX/XX/2020, I deposited a {$1000.00} coronavirus relief check from the XXXX XXXX XXXX XXXX, a federally recognized Native American tribe. 

Chime cashed the check without any issue. 


On XX/XX/2020, I deposited my second {$1000.00} coronavirus relief check from the XXXX XXXX XXXX XXXX. 

Chime cashed the check without any issue. 


On or about XX/XX/2020, I deposited my third {$1000.00} coronavirus relief check from the XXXX XXXX XXXX XXXX. 

Chime rejected the check and said, " We've reviewed your check deposit and, unfortunately, we were unable to verify your check, and therefore unable to proceed with depositing it. Verification failure typically occurs when the check appears in an unrecognized format. '' There is nothing " unrecognized '' about the format of the check. 

It is the same exact type of check I have deposited to Chime two separate times. 

I then received my fourth coronavirus relief payment from the tribe and attempted to deposit it on XX/XX/XXXX. 

Chime, once again, rejected the check and said, " We've reviewed your check deposit and, unfortunately, we were unable to verify your check, and therefore unable to proceed with depositing it. Verification failure typically occurs when the check appears in an unrecognized format. '' Once again, there is nothing " unrecognized '' about the format of the check. It is literally the exact same, apart from the check number, as every other check I have received from the tribe. 

I have attempted to reach out to support about this multiple times, both via chat, phone, and email, and have not once received anything resembling an attempt at a resolution. 

They are unable to tell me what was " unrecognizable '' about the check, and even when speaking with a supervisor, they just tell me their " check department '' says the check is " unrecognized ''. 

This is vague and unhelpful, and because Chime has registered an attempt to cash the check with the associated check numbers, XXXX XXXX, another financial institution, is " unwilling to accept the risk of cashing the check due to the appearance that another institution ( Chime ) may have already cashed it. '' I am pretty sure this issue boils down to something stupid like Chime 's " check department '' misreading the check number and/or thinking these are duplicate checks. 


I was able to deposit the check from XX/XX/XXXX into my mom 's bank account ( with XXXX XXXX XXXX  ) as a one-time courtesy, but they are not letting me endorse the check from XX/XX/XXXX over to her, and I am unable to open a bank account with another institution at this time. 

Essentially, though, Chime has made it impossible for me to obtain the money on this latest check, and as these are coronavirus relief checks I am UNABLE to have them reissued.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX