23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX XXXX XXXX  # XXXX. I've proactively remembered this report for a past letter and I am including it once more. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX I recognize your quick regard for BLOCK or REMOVE this ACCOUNT and reaction inside 4 work days
Product: Mortgage

I scheduled a payment for XX/XX/XXXX it was not withdrawn from my account until XX/XX/XXXX and went through without issue. Today i received a letter from shellpoint stating my payment was withdrawn on XX/XX/XXXX and returned on XX/XX/XXXX this is also reflected on my online shellpoint account but is not accurate. My payment that was scheduled for XX/XX/XXXX was not processed at all until XX/XX/XXXX and it was never returned. the funds were available in the account and withdrawn and never were returned to the account. this entire transfer of my mortgage has been a nightmare i was never notified until i filed complaint and now my funds have been withdrawn but are showing returned. the have been dishonest when we were notified about the bank account i was using not being valid. now my money was withdrawn but showing returned. i have attached a picture of the withdrawal from my account on XX/XX/XXXX showing the funds available and taken
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made. I already contacted the police department about this issue and obtained a police report # XXXX which is attached. Please remove this fraudulent inquiry and account off my credit report, and send me an updated copy of my credit report. The following items should not be reporting on my consumer reports and is a result of fraud that I did not authorize : 1. This account is not mine and was not authorized XXXX BANK : Account number XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXXDate of Inquiry : XXXXPlease remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX
Product: Checking or savings account

I am filing a formal complaint against Chime Financial , Inc. regarding missing funds, lack of transparency, and possible financial misconduct related to my savings account and the Chime Sweep Program. 
XXXX. Issue Summary : I opened a Chime Savings Account in XX/XX/year> and activated the Round-Up Transfer feature. 
My account was automatically enrolled in the Chime Sweep Program without clear consent or explanation. 
My round-up savings have consistently appeared lower than expected, and there are no clear records of where my funds were transferred. 
When I requested a full breakdown of transactions and program banks used, Chime failed to provide detailed records. 
As of today, my Chime Savings Account shows a {$0.00} balance, yet I can not verify if my funds were ever deposited into program banks or simply lost.

2. Attempts to Resolve : I contacted Chime Support multiple times to request a full transaction history and audit. 
Chime has not provided transparent or satisfactory answers about where my money went. 
They directed me to monthly statements, but these do not list specific program banks or transaction breakdowns. 
3. Request for CFPB Action : Investigate whether Chime has failed to properly inform customers about the Sweep Program. 
Determine if Chime is withholding funds or mismanaging savings deposits. 
Require Chime to provide full transaction transparency for all affected users. 

This situation has caused me severe financial hardship, as I relied on these savings to cover essential expenses. I believe Chimes lack of transparency and failure to provide a clear paper trail of my funds may constitute unfair or deceptive financial practices under CFPB regulations. 

Please investigate this matter and take the necessary actions to hold Chime accountable. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I bought a vehicle from XXXX XXXX, which gave me a contract in a USB drive. After I tried obtaining the contract from the drive I was unsuccessful. I reached out to Wells Fargo multiple times and the contract was sent in an encrypted email that I could not open or there was no attachment. After several attempts to obtain my contract, one of those attempts the rep asked why didn't I obtain it from the dealership, in which I stated if you are my lender you should be able to provide it as well. I requested my contract because I was making weekly payments towards my loan, and i was making over the payments a month which were not being applied towards the principal of the loan. After many payments I reached out to Wells Fargo and asked why weren't my payments applied to the principal and the rep stated I had to be ahead XXXX payments in order for them to apply my overages to the principal. It was then when I began requesting my contract. When I was able to read my contract, it did not state that anywhere in my contract. I called them back and asked where in the contract it stated that information and the rep stated it was not on the contract, it was their policy. I requested a copy of that policy and it was never provided. I am being reported late, during the time i have been trying to obtain the contract and their business policy which brought my credit score down XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan with Citizens Bank. 

Account # : XXXX I moved XX/XX/2019 from XXXX XXXX XXXX XXXX DE XXXX to : XXXX XXXX XXXX XXXX DE XXXX They never sent me a single statement in the mail to my old OR new mailing address after moving. I even have a mail forward setup with USPS. I also get a screenshot in PDF format of every single piece of mail sent to my old address ( I still own the old address, it's still on the market for sale ). 

They reported me 60 and 90 days late on my credit report and never gave me a single statement, nor did they notify me at all of any credit reporting going on. I found out by applying for a XXXX credit card and getting denied completely ( my credit score is typically above 800 ).

They violated the Fair Credit Billing Act and cost my credit score almost 200 points, literally just for not giving me any statement AT ALL. I called and paid in full as soon as I found out. The worst part is, I had AUTO PAY setup the whole time!!! They weren't running the auto payments!

The staff at Citizen 's Bank told me it was my problem and to take it up with XXXX.

XXXX  did absolutely nothing at all other than say the information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never authorized deferment or have made a payment for any private loans since XXXX. On my credit report it says I have from XXXX asking for deferment for Private loans. I have Federal Loans that are in deferment through the XXXX but never have authorized for private loan deferment.    I have email communication from XXXX asking for federal, but never private loans.    I know XXXX is uses deceitful tactics to trick borrowers. I have contacted my Attorney General as well.I am part of the XXXX XXXX  and have contacted the XXXX Lawyers  that are heading up the lawsuits against XXXX XXXX and XXXX.These loans are past the statute of limitations for collections from a school that was shut down for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My monthly car payment is and has been set to come out of our account on the XXXX of every month via auto-pay. I have not missed a payment for a year. My husband misplaced his debit card end of XX/XX/2021, and when he went to get a replacement card I did not realize it automatically turned auto-pay off for our car note, seeing as our bank account information was included in the auto-pay and not just the debit card. XX/XX/2021 the auto-pay never went through, which I was completely unaware of as I had just had a baby 4 days before, the last thing on my mind was checking my account to make sure the auto-pay went through as it has for the past year. We did not know the bill was late or hadn't gone through since we did not receive any calls from the company until after XX/XX/2021. As soon as we found out the auto-pay hadn't been paid for 60 days we quickly paid the bill for both months and got caught up seeing as the money was sitting in our account all along. However, this has effected our credit score drastically as they reported two missed payments in the last 60 days and I feel these late payments need to be removed.
Product: Money transfer, virtual currency, or money service

I am reaching out to seek resolution for a longstanding issue regarding my XXXX XXXX which has been inaccessible since 2013 due to technological limitations on blockchain.com 's end. Below, I provide a detailed overview of the situation, along with my request for compensation given the admitted fault and prolonged duration of this matter. 


Background In 2013, BlockchainXXXX utilized a custom mnemonic system for account recovery that was distinct from the now-standard XXXX protocol. Unlike XXXX, which generates HD ( hierarchical deterministic ) wallets with widely accepted standards for secure mnemonic phrases, the custom mnemonics used by BlockchainXXXX encoded user account passwords or recovery information specifically for your platform. 


Starting in 2013, this system began experiencing significant technical issues, with users, including myself, encountering the error message : " failed to decrypt wallet. '' My wallet, associated with the address XXXX, was affected. Numerous trouble tickets were submitted under the email addresses XXXX and later XXXX, seeking support to resolve this issue. 


Historical Support Records Given the timeline, BlockchainXXXX should still retain records of the trouble tickets I submitted in 2013 and the associated troubleshooting steps taken by your team. These historical records are critical, as they may contain key details that could lead to resolution or provide evidence of the systemic failure that caused this issue. 


As a trusted provider, BlockchainXXXX likely maintained robust systems for support and record-keeping, and I expect that these records, even if archived, can be reviewed to assist in resolving this matter. 


Current Status As of today, Blockchain.com has acknowledged internally that : The decryption technology for these legacy wallets is no longer functional. 
Efforts to resolve these issues were deemed unfeasible due to the antiquated nature of the technology, which has reached its end of life ( EOL ). 
This leaves me unable to access the funds stored in my wallet for over a decade, despite no fault of my own.
Product: Checking or savings account

I have a savings and checking account with Chase Bank. The terms of the account are that my monthly service fee is waived as long as I 1. Maintain {$5000.00} in my checking and savings accounts or 2. Have a monthly direct deposit. I have met these stipulations since XXXX. Due to Covid-19, I have been furloughed from my job in Michigan since XX/XX/XXXX. On the same date I applied for unemployment, and I continue to wait for my application to process. Due to my waiting for my unemployment to process, I am fully relying on my savings to pay my bills and mortgage. Starting this month, Chase is charging me a service fee for not satisfying the above requirements. First charge was on XX/XX/XXXX. I spoke to a representative. They reversed the charge for this month, but will be charging me going forward. This crisis is not my fault, but Chase Bank has no problem capitalizing on that crisis when I am at my most vulnerable. I worry for all other Chase customers who are being charged unnecessary service fees related to the Covid-19 crisis. Please look into service fees banks are charging clients who are not meeting requirements due to the current crisis. Thank you
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. 
Account name : XXXX XXXX XXXX, Account 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 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: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, registered under the email address XXXX Firstly, I believe that this limitation may have been imposed as a result of a misunderstanding or error. I have always strived to adhere to PayPal 's policies and guidelines, and I am confident that I have not engaged in any activities that would warrant such a severe action. 

I kindly request PayPal to re-investigate my case thoroughly. I am hopeful that upon a closer examination, it will become evident that my account has been unjustly restricted. I understand that security is of utmost importance to PayPal, and I fully support their efforts to protect users and the platform itself. However, in this particular instance, I believe there may have been a mistake. 

I kindly request that my account be reinstated if the investigation reveals no wrongdoing on my part. This would not only alleviate the inconvenience I have experienced due to the account limitation but also allow me to continue using PayPal for my online transactions, which I rely on for various financial activities. 

I am committed to cooperating fully with PayPal 's investigation and providing any necessary information to resolve this matter promptly. I value the services PayPal offers and the convenience it provides to its users, and I hope to continue being a responsible and compliant member of the PayPal community. 

Thank you for your prompt attention to this matter. I look forward to a favorable resolution and the reinstatement of my PayPal account. Please feel free to reach out to me at XXXX for any further clarification or information you may require. 

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

My name is XXXX XXXX XXXX I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES from my credit report immediately. 

XXXX. XXXX  XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX XXXX  XX/XX/2022
Product: Debt collection

Collection was reported to my credit from Jefferson Capital without any communication or notices regarding the debt via mail or email or phone and I was not given any chance to verify, dispute or make my case against this debt prior to Jefferson Capital reporting to my credit. This account was verified to belong to someone else by XXXX, and closed afterwards. Jefferson Capital does not have my consent to acquire my personal information, communicate with me, or report to my credit report without verifying the debt. This debt was not acquired by me and it was initiated in state of Virginia in which I have never been to and therefore I am not responsible. I reside and have been in Florida since XXXX.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX The Complaint department Federal Reserve Bank and Mortgage fraud Complaint Dear Sir/Madam COMPLAINT AGAINST WELLS FARGO BANK WRONGFULL FORECLOSURE ON MY PROPERTY MORTGAGE ACCOUNT NUMBERS, XXXX and XXXX. 
I have intentionally refuse to back off from XXXX Criminal intended employees of Wells Fargo Bank, XXXX XXXX an executive resolution specialist and XXXX XXXX assigned to my loan modification, I will continue to stay in my house until the government steps in to investigate these wrongful act committed by Wells Fargo bank XXXX XXXX XXXX and XXXX XXXX. 
XXXX XXXX with held my documents and released false information to the modification team, intentional to delay the modification of my property loan while XXXX XXXX block my account lied to me for a run around for many months with intent to lue me into foreclosure, she constantly lied to the police and use the police to harass me frequently in my house. She then blocked my access into making payment into my mortgage account and foreclosure my property. When the information was given to me by the Re-entry team of Wells fargo bank, I confront XXXX XXXX which got her angry and she instructed for a foreclosure on my property but lied to me that the modification was successfully and XXXX XXXX has my approved documents, I called XXXX XXXX only to realize that XXXX XXXX has caged me into run around to induce foreclosure on my property, XXXX got angry when confronted with the truth. 
I have written to Wells Fargo Bank and noting has been done but harassment letters of foreclosure and date XXXX/XXXX/2016 to sale my property. I just filled a law suit against Wells Fargo Bank, to stop the sale and claimed damages with Superior court in XXXX XXXX. 
XXXX XXXX has shamelessly refuse to correct her wrongful act and Wells Fargo Bank is doing noting about it. 
Her trick in blocking my account made it difficult for the re entry team to modify my loan, XXXX and XXXX in the re entry team confirmed. 
I have been harassed, insulted, humiliated and XXXX after 14 yrs of relationship with wells Fargo bank. 
I need government intervention to stop this from escalating further, I have refused to allow this criminal behavior of XXXX XXXX and XXXX XXXX to affect my life and my XXXX children. 
A sale date of XXXX/XXXX/2016 has been mailed to me for my property but I will drop my last blood to bring wells Fargo bank, XXXX XXXX and XXXX XXXX to justice, I can be reached at XXXX XXXX XXXX. 
Please SAVE MY SOUL Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I noticed there is another inquire that I did not recognize, from TransUnion. 
Details as below : XXXX FS XX/XX/2021 Location XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose WRITTEN AUTHORIZATION This is not done by me and I have sent an email to XXXX ( which I got from their website ), as the contact number provided did not answer my call.
Product: Student loan

I contacted Aidvantage on XX/XX/22 requesting a refund on my student loans. I was informed it will take 4 to 6 weeks to receive the money. However, I contacted Aidvantage again after a week for the status of my request and the agent had to re-submit my application and informed me it will take 8 weeks and not 4 to 6 weeks for my request to be processed. I was told initially my request was submitted ; however, later I was informed it wasn't properly submitted when I called back. This issue could have been prevented if Aidvantage was giving confirmation to show the request has been submitted. Also, why does it take 8 weeks to reinstate my loan balance? It appears other loan providers are reinstating balances in a shorter time period.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and notice an account that was not reporting accurately. I had XXXX late payments on an account that i in fact paid on time. Putting me at XXXX when I paid XXXX percent of this off on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates XX/XX/year>, XX/XX/year>, XX/XX/year>. Im now requesting you to investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid immediately. Thanks you for your understanding and taking time out of your day to hear me out.
Product: Debt collection

XX/XX/XXXX credit protection associations LP is trying to collect {$370.00} from me for a collection I do not owe. It is showing negative on my credit report. It has already been removed from XXXX  and XXXX  however for some reason XXXX is choosing to continue to keep this collection on my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX has reported 11 negative marks on my credit history as default/late/not paid. 1 ) These loans have been paid in full and transferred. 2 ) There is not 11 loans - some loans are marked twice on my credit report rather than once 3 ) these loans are over 10 years old and should not be on my credit report at all.

I've repeatedly reached out via mail to fix this with no reply. When I've disputed through credit bureaus, they've told me the information is accurate and has been verified by XXXX. XXXX XXXX is no longer in business and can not be reached for resolution. 

" XXXX XXXX, a company that collected and tracked federal student loan payments, is no longer active. Its government contract expired in XX/XX/2022, and all loans in the XXXX portfolio have been transferred to other servicers. ''
Product: Bank account or service

i had a {$500.00} revolving line of credit with Regions bank. I paid it satisfactorily and decided to close it. i opened the line of credit XXXX and closed it XXXX the account number reporting on XXXX , XXXX , and XXXX XXXX XXXX XXXX. they call me still 3 to 4 times a day to try and collect on the balance that has been closed for the last 4 years. i have proof that it is paid in full and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX