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

On XXXX XXXX,XX/XX/XXXX I purchased a television on Black Friday from XXXX from my Chime credit builders acct. There were some delivery isssues pertaining to the television that was purchased. A refund was issued to Chime builders account that I used to purchase television, although I had closed the account with Chime due to dissatisfaction with the company not realizing this would effect my refund from XXXX. I have contacted Chime countless times since XX/XX/XXXXXX/XX/XXXX in regards to issuing my refund from XXXX for {$510.00}, but I have been given misinformation from several employees with one being it would take up to 30 days for a refund to be mailed since the account that the refund was issued to was closed prior to the refund. I was deceived by Chime being told everything from the check was on it's way to we're still looking into the matter and each representative has given me different information in regards to the matter. On XX/XX/XXXX I contacted Chime again in regards to not receiving the check by now and I spoke with a XXXX from member services that swore she would make sure the situation is resolved and that I would receive an email within 24 hours with tracking information about the payment of {$510.00}. It is XX/XX/XXXX today and I still have not received any email. XXXX gave a reference number of XXXX on XX/XX/XXXX as a way of the keeping track of the progress of the case after it being over a month of dealing with all this. I was nenver given a reference number upon my initial complaint back on XXXX XXXX, XXXX and I've noticed that the dispute has been removed from my onlive Chime account to reference. I have statements showing the transaction back in XXXX of XXXX. Please help me get this resolves as I feel I'm getting the run around regarding my refund. Thank you kindly, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never lived at address XXXX XXXX XXXX. I have never been evicted from this property. I have never leased a property from XXXX. 
I have never lived at XXXX XXXX XXXX. This is a fraudulent address.i have never leased a property from XXXX XXXX. There are several incorrect names on report. I have never been known as any other names except XXXX XXXX XXXX. Please remove all addresses and names not belonging to me. 
I have never lived at XXXX XXXX XXXX XXXX . I have never rented from midtown properties. This is not my account. 
I have never had an account with XXXX XXXX XXXX XXXX. This is a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have call XXXX  and equifax about a collection company call XXXX XXXX XXXX  with account number starting in XXXX this collections should not be in my report this collections was sold by XXXX to them with out my authorization and consent i never consent for the lab work to be done i went to a doctor office they XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX if i was to know the price of it i will have never authorize they never told me the price i was never sent a bill and the collection company never inform me by mail this is ilegal and shouldnt be allow in my credit report in XXXX and equifax plus i never sign any document allowing the collection
Product: Debt collection

I am writing to formally dispute the validity of a debt claim made against me. Qualia Collection Services ' email dated XX/XX/XXXX, at XXXXXXXX XXXX XXXX, referenced an alleged debt of {$390.00} purportedly incurred on XX/XX/XXXX. 

I assert that this claim is erroneous. This matter was previously settled with XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) and adjudicated by the Consumer Financial Protection Bureau ( CFPB ) under Complaint ID : XXXX, dated XX/XX/XXXX. As per the resolution provided by XXXX in response to this complaint, it was concluded that, " On the strength of the documentation provided, we have ordered the account deleted from the credit bureaus. '' Enclosed with this communication, you will find copies of the relevant CFPB complaint and the formal response from XXXX, which substantiates the resolution of this matter and the directive to delete the account from all credit reporting agencies.
Product: Credit reporting

I am complaining against Experian for reporting negative information on my credit report, when they have all the necessary information between XXXX XXXX XXXX XXXX credit card accounts no owned by their debt buyers, XXXX XXXX and the XXXX XXXX XXXX XXXX to aid and assist them in collection activities - when they know what happened ... cut-off procedures increased the revenue XXXX debt buyers and increased my liabilities in the process. The debt buyers have no signed agreement from me and also have no documents. Experian tries to get me to submit my documents, when they stand to profit from a bogus and biased collection, with a conflict of interest.
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099-C ( Cancellation of Debt ) from the following charged off accounts listed below. 
Onemain Financial XXXX After checking my most current report the updated information stated the account was purchased by XXXX XXXX XXXX this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099-C form
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letters to Transunion, XXXX and XXXX on XX/XX/2020 requesting that hard inquiries, addresses and name corrections be removed from my credit report as they were erroneous. 

XXXX  did not process my request until XX/XX/2020, XXXX failed to process until XX/XX/2020, and Transunion XX/XX/2020. 

The inaccurate and erroneous information is negatively effecting my credit report and my ability to secure a loan to refinance my home. I have included documentation to support the steps taken on my behalf.
Product: Credit reporting or other personal consumer reports

I have continuously been fighting back and forth with the credit bureaus to remove an account that does not belong to me. This will be my second attempt to make a complaint with the Consumer Financial Protection Bureau for improperly investigating this issue. This will be my last attempt to get the correct remedy for this situation to remove this account from any and all of my credit reports due to account information given by original creditor showing I owe no debt! Otherwise, I will be immediately forced to pursue litigation against the CFPB, the credit bureaus, and the original creditor for negligence to this matter and violating my consumer rights under the FCRA! I have submitted complaints and credit report disputes since XX/XX/XXXX when this account first appeared on my credit and it's now XXXX  and no one is looking at the facts presented. Along with this dispute, I will provide a copy of a lease application agreement that was provided from the original creditor in my previous dispute with the CFPB that shows proof this account does not belong to me! I have followed all necessary steps and chain of commands to get this account removed from my report, but it is not being removed even with factual documentation presented to both the CFPB and myself that this account is not mine.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have had ab account with NAVIENT for maybe XXXX  years, paying my daughters student loan. Parent plus. I ended ip paying a lot more money than I ever borrowed for her schooling I got emails saying that student loans had to be up to date by XXXX before NAVIENT would be notifying the credit bureaus. Did it have to do with a government put in place I was not sure? 
In XXXXwas running behind XX/XX/year> I paid XXXX that would pay XXXX loans on line I missed XXXX and XXXX ( having to pay other bills ) I thought I would catch up. I paid again XX/XX/year> XXXX for XXXX loans XX/XX/year> XXXX for XXXX loans on line again I started hearing from my credit bureaus ( that I worked so hard to keep a good credit score ) that I was 90 days behind. I called NAVIENT many many times with no help They said the payment XXXX paid only XXXX loan and they would correct.they did not Then messages from credit bureaus I was 120 days late. I COULD NOT BE BECAUSE on XX/XX/year> I borrowed money and paid off the one they said I was late on. ( I had to because I had no protection from this company ) My credit rate dropped over XXXX points and my credit cards started lowering my available credit This has destroyed me and I have no help against these people. Mohela has now taken over these accounts. PLEASE PLEASE Help me against these people
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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: Checking or savings account

I was looking for a small loan to pay bills and have enough money until payday. Put a request online and then many companies were reaching out to me to see if I qualified. I was denied 3 or 4 times. Then this company XXXX XXXX said they would work with me and put money in my account and would have to pay them back within a day to raise my credit so they could provide me the loan of XXXX XXXX I saw they put XXXX $ in my account and said I needed to go to XXXX to purchase a gift card to pay the amount to them to improve my credit on XXXX XXXX, 2019 plus an additional XXXX $ to me. Then on XX/XX/XXXX they put another XXXX $ into my account and followed the same procedure going to XXXX XXXX buying gift cards. Then Another XXXX $ back in my account. Then I got an email from my apartment complex stating I needed to pay rent, which I had already paid and had a confirmation email that it was paid. So I sent back an email with the confirmation receipt and said it was taking back. Then I started looking into my account and saw that they were not putting money in my account they made claims on behalf of me to my bank putting money back in my account from me then paying them with money I didn't have. Then I went into Chase to try and get this resolved. I don't know how someone else can put claims in as behalf of me and I never got a phone call. These claims were made on bills that I have paid for over 6 months like rent, car payment, car insurance. The guy I talked to was named XXXX XXXX and his contact number is XXXX. His managers number is XXXX. I was obviously scammed and feel stupid looking back at the situation.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX I applied for a {$700.00} dollar loan with the installments listed at {$160.00} bi-weekly and I would pay a total of XXXX after interest. I spoke with Ace Cash Express today and they told me the interest was 1000 %. Which I fully read the loan agreement and that was NOT a part of it. Furthermore, they never sent a copy of the original loan agreement. I had to ask for it and NOTHING was the same as what I signed originally. I know for a FACT they changed my documents afterwards to a 1000 % interest and now it says I would be paying them greater than than the {$1000.00} I originally knew I would be paying over time. They are XXXX consumers. To date, I have paid the {$1000.00} I agreed to in the original documents they have since altered. Please help!
Product: Consumer Loan

SLS took over loan from company XXXX. all payments are up to date and have been completed as scheduled and on time. Company SLS has been calling claiming that they have not received the XXXX payment. I have sent proof that payment was made and have also had my rep from XXXX bank send copies of proof of payment as well as documentation of the wire transfer. SLS continues to call and harass as well as asking if there phone call was being recorded. They SLS stated that a XXXX way call was required with XXXX bank, SLS, and XXXX, this call was completed and all were in agreement that payment had been made. after a few days SLS started calling again wanting payment for XXXX and claiming that the XXXX way call never happened, and or information was lost. XXXX Bank has repeatedly called on my behalf and provided proof that Payment was completed to no avail, I believe the company SLS is trying to scam myself out of more payments as well as bogus late fees which are negative to my credit rating. Explained to Rep from SLS that I will take legal action. rep from SLS said go ahead.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 Experial XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measre of the money charge as per 15 usc 1640.

Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. I'm requesting they eliminate this supposed obligation from my shopper reports, transmit installments to
me for infringement. A supposed obligation being outfitted on your " credit '' report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I'm requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I'm requesting a cancellation of these records. 
Cc Consumer Financial Protection Bureau. Cc Attorney 's General Office. Cc XXXX XXXX XXXX Co State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptrollen of the Currency. Cc Federal Reserve System. XXXX XXXXXXXX XXXX XXXXXXXX. XXXX Federal Trade Commission. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Not 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 card

On XX/XX/XXXX, Chase Bank let me know that they are shutting down my accounts in XXXX weeks. 

I called them and they can not provide a reason as to why. They said they did an investigation and decided to close. I have not broken any law. 

To make matters worse, Chase bank has placed something on my file/background because when i tried to open other credit cards through other banks like XXXX XXXX, i am denied. 

My credit score is XXXX. 

Never missed any payment. Chase Bank has truly made life a bit harder at the moment. They shut down my checkings, my credit cards, and preventing me from opening new credit with different banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Grain is a credit card company that allows you to have a credit limit based on your bank account balances. I signed up for the card and everything was going good making purchases and payments, fast forward about a year and a half later their app no longer works to make payments. Everytime you would go to make a payment it would crash the app or go black and sign you out. I have sent hundreds of emails to grain with all the same response saying their team would look into it and they would send me a payment link to pay through. Only problem with that is their customer service team takes 2-3 days to respond and only respond thru email, before Im able to make a payment and it has negatively affected my credit report due to their app not working. I have also had someone use the card fraudulently and have fraudulent charges. I have sent them all the information with numerous proof, screenshots, screen recordings, even offered to pay the balance in full to just get it removed off my report completely. They deny all my requests.
Product: Debt collection

Dear CFBP American Profit Recovery has been attempting to collect on two separate files that Ive disputed from day one. So Im hoping that with your assistance Ill finally be able to get closure with both accounts.
The first one is with XXXX XXXX and was place with APR on or about XX/XX/XXXX. I never hired them to do any work at my house. Over the years and as recently as XX/XX/XXXX Ive asked for the original signed contract and/or any documents supporting the charges APR is trying to collect or that would confirm I even hired them. As of today I was told that they still havent received the requested documents from XXXX XXXX. The 2nd account is with XXXX XXXX XXXX and was place with APR on or about XX/XX/XXXX. Although I did hire XXXX XXXX XXXX I have disputed the amount owed well before ARP even bought the account. XXXX XXXX XXXX charged more for the lawn service then was originally agreed upon and that they charged for 2 cuttings they didnt do, which I was able to verify by reviewing our security video. Ive requested the original SIGNED estimate and all invoice used to validate the amount they say I owe however as of today they have not been able to provide anything. Ive talked XXXX and XXXX at APR to inquire on the status of the documents and was told by both that there isnt a time requirement for the client to provide validation docs, how can this be? Without these documents how has APR been able follow the CFPBs examination procedures to determine my identity, the amount owed, whether any fees charged were permitted by contract, and the original creditor? Any assistance you can provide in putting this to bed would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this CFPB Complaint to you today to dispute the fraudulent items on my credit file. I demand immediate removal of these items from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. I need you to remove the following items off of my Credit File as soon as possible : 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. Despite these efforts, these fraudulent items still appear on my credit report, causing me significant harm and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA. I demand that you remove these fraudulent items from my credit report immediately, and provide me with a written confirmation of the removal. Failure to comply with this request will result in legal action against you, as I will not tolerate any further damage to my creditworthiness.
Product: Bank account or service

Paypal seized XXXX from my paypal account that was sent by XXXX XXXX. Originaly an instant transfer of XXXX was made leaving a balance of XXXX. 
When a dispute was opened up on an unrelated matter Paypal seized the XXXX without merit and refused to return the funds to the original owner. 
I want the XXXX returned to the original owner, XXXX XXXX, so he doesnt need to file a chargeback with his bank. 
You cant seize people 's money without due process and without cause
Product: Credit card

Hello, I have a complaint regarding Bank of America. They closed my secured credit card. I opened my secured in a branch with a XXXX. I opened {$5000.00} secured can and deposited that amount for my card. Since card was opened I just did small purchases and made my payments on time. Now they closed my secured card. I find it absolutely unacceptable how they treat a client who decided to start a credit building with them. If I knew how they treat a customer I would have opened secured card with another financial institution. At this moment I believe it is some kind of a mistake from their side, so I still want to have card with them. Please help with this issue.
Product: Credit card

I checked my credit report and found a small credit card debt with Macy 's ... but the bill was going to the wrong address. It 's gone into default.
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -US SM BUS ADMIN ODA XX/XX/XXXX -XXXX XXXX  NEGATIVE 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 XXXXXXXX 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 an account without my written instructions. ''
Product: Credit card or prepaid card

Hello! I have a Visa Barclay card. I was added as an authorized user by my ex boyfriend ( which I consented to at the time ) ; we broke up about 1.5- 2 years ago. I 've asked him several times to close this account and he has n't done it. I 've called the number on the back of the card ( XXXX ) twice and they stated both times that without the last 4 numbers of the primary account holder 's SSN, their DOB, and the phone number on file for the account they ca n't even access the account to close it. I have n't gotten any further than this with them. I do n't know if the primary account holder is him or his dad, or any of this information as it would appear on the Barclay account. I 've asked them several times and they say they ca n't help me at all without all of that information. I do n't want to be stuck on this account forever just because some guy I used to date and his dad wo n't answer my calls or texts. It 's also just beyond me that without this information they are wholly unable to help me in any way to just close the card and get my name off that account. It 's very frustrating that this card is in my name, attached to my credit report, was opened with my social security number, and they are telling me I have absolutely no control to close a card that is attached to me in a personal way. His dad also just declared bankruptcy and I just do n't want my name tied to them anymore. Please help me close this card out, Barclay wo n't!