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

On XX/XX/2020 someone in XXXX, New York tried to withdrawal {$3000.00} out of my bank account and was stopped by the branch manager at Chase. They went to a second branch and were able to withdrawal the full amount ( split over two transactions to not require a manager override ), leaving my account with less than {$50.00}. I called that day and filed a claim and was told that I would be totally taken care of in 5 business days. I called for more information on the 4th day and was told that now it could take 90 days, that 5 days was just a guideline, that there's no information on the account and that no one is able to make an outbound call to update me. In the meantime I don't have access to my paycheck or my money. The Chase manager at the offending branch said that they did everything right, which can not be the case. We live in Ohio, there are no transactions that occur anywhere near New York. I would like some assistance getting this resolved please.
Product: Debt collection

Never received any written documentation. Accounts showed up in my credit report twice. I asked for written documentation to validate debt and have yet to receive anything. The account is reporting twice, both are not valid.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft account opened was not authorized by myself.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX  - XXXX - XXXX - {$0.00} XXXX XXXX  - XXXX XXXX XXXX - {$0.00}
Product: Credit reporting or other personal consumer reports

This account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( Transunion, XXXX, XXXX ) PLEASE!!! **They keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? XXXX removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with transunion and XXXX  and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 
Transunion XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Acct Number XXXXXXXX XXXX XXXX XXXX Balance {$470.00} Date Opened XX/XX/XXXX Hard Inqurires XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Home shopping ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -
Product: Credit reporting or other personal consumer reports

I had XXXX back in the summer of XXXX 
XXXX has been outstanding to me. I received a 30 day payment during that time. I was wondering could it be forgiven
Product: Debt collection

I signed up with XXXX about 3 years ago to pay off my XXXX credit card. They took {$210.00} a month out of my checking a/c for 30 months - which is what they told me would satisfy my account. I have paid all of that six months or so ago. XXXX has given my {$12000.00} balance to a debt collection agency. They have sent me a notice to go to court XX/XX/XXXX. I have been trying for several months to speak with someone at XXXX. I have not been able to speak with a real person. I do n't know what their plans are for my {$6500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and I submit this complaint with regards to the fraudulent information being reported on my Credit report. I sent a letter on XX/XX/XXXX to remove personal information, address, accounts, and inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX, XXXXIve already included this in my previous Complaints & I am including it again : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$1400.00} XXXX XXXXXXXX XXXX Balance Owed : {$350.00} US SM BUS ADMIN XXXX date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX XXXX  date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX XXXX 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 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. 


EXPERIAN 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: Debt collection

To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I don't believe the information to be accurate. 1 Please remove the following inaccurate address from my credit report : 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 According to the FCRA, accounts that have been disputed by the consumer must be notated as such. Your failure to investigate this account, and notate it as such, is a violation of the Fair Credit Reporting Act FROM XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX have been dealing with a credit bureau ( s ) issue for over one-year. The problem resides in my inability to obtain a credit FICO score on XXXX  XXXX  and Equifax  respectfully. In addition, there are no registered accounts on any of these bureaus except there is account information posted on my XXXX  credit report. There is a possibility that at one time a fraud alert was posted on both bureaus, but that should not block my creditors from posting my account information and payment histories o each bureau. Accordingly, I am requesting a full reinvestigation from each credit reporting agency and each account trade line to guarantee that soon I will be able to have a FICO score with each bureau. Therefore, my complaint is two-fold : 1 ) I request a full review from each creditor to check the status of my account, and to submit to each respective bureau the criteria such as date account opened, account balance, and most importantly account payment history. 
2 ) I request a review from XXXX XXXX and Equifax the reason why there is a block on my bureau information, and a release for each creditor to post the aforementioned criteria monthly. 
XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2022, I reviewed my mortgage statement for the principal balance outstanding, and the interest due for XX/XX/XXXX. I had sufficient funds to payoff the loan, so after reviewing my monthly statement, I wrote the check out for that total balance, and mailed it to the address on the statement for additional payments. I received a call on XX/XX/2022 telling me that because it was a payoff, it had to be certified funds. After talking with the customer service rep, she said the payment could be put through, and then any balance I could take care of the next day. I checked the system on XX/XX/XXXX, and saw the loan had not had the payment applied. I called and was told that they couldn't accept the payment because it wasn't certified funds, and I hadn't requested a payoff letter. I asked where on my monthly statement was the direction that I had to request a payoff letter, and then needed certified funds ( either cashier 's check, money order or wire ) in order to pay the loan off. I was told that they would be return my check to me, and I would need to get them the funds by XX/XX/XXXX, or the payoff would be a higher dollar amount since I would have missed the XX/XX/XXXX cut off. I am extremely frustrated, as this information should be included on the monthly statement, as mortgage loans are out there for several years, and since they are typically sold after closing, different servicers can have different requirements for paying off the loan. It was very frustrating as I have sent other checks for amounts in excess of my payoff check, and never had any issues, or were required to have those funds be certified. In order to get this loan paid off timely, I had to incur a wire fee to get the funds over to the servicer. I tried to discuss this with the servicer, but was told that was their process, and there was no other option.
Product: Credit reporting or other personal consumer reports

I'm writing to file a complaint about Experians failure to correct inaccurate addresses on my credit report, despite my prior request. The incorrect addressesXXXX XXXXXXXX XXXX, XXXX, NJ XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX appear, even though I asked for their removal. My correct address is XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. This ongoing error causes frustration and violates the Fair Credit Reporting Act, which requires credit bureaus to ensure the accuracy of consumer information. I ask for immediate removal of the incorrect addresses and confirmation of this correction to resolve this matter fairly.
Product: Checking or savings account

This issue occurred with the company known as Chime but also goes as XXXX. This company is so crooked and stole {$860.00} from me while Im going through a hardship. On XX/XX/2023 at XXXX I went to XXXX  XXXX XXXX outside atm and attempted to disperse {$860.00} with my Chime Debit Card. The atm caused a error and did not disperse the money. I then got out my vehicle and went inside of the bank and explained it to a representative what happened. She told me that I would have to follow up with Chime. I contacted Chime by phone call, and they informed me that I would have to wait until the transaction goes through and stop pending and then give them a call back to dispute the transaction. On Sunday, XX/XX/2023 the transaction shown it had processed so I called and disputed the issue. Tuesday XX/XX/2023 at XXXX I received a email denial letter. The denial letter that I received does not adhere to guidelines set forth under regulation E. Wednesday XXXX XXXX at this point I felt as though my hands were tied and I went to my local police station to explain the situation just to get some kind of help. He referred me to the that same XXXX  XXXX XXXX and was very helpful. And I spoke with a very helpful manager of the bank named XXXX XXXX, she called Chime with me and went under full investigation. She ran a report and stated that the atm I went to is balanced on Thursday and it hasnt been balanced yet so its no way the dispute should have been denied. She stated the company also denied it within XXXX business day which is also not enough time to complete a atm investigation. We spoke with managers at Chime, no one was willing to help or even apply a temporary credit to my account. They stated it would take XXXX  days to complete the rebuttal firmly and no temporary credit will be provided. We then began to look over my denial letter, and noticed the many ways it does not here to Regulation E guildlines. 1. There is no terminal location/transaction location listed. 2. Type of transaction ( atm, pos, retail ) is not listed. 3. Name of Financial Institution that initiated the charge is also not listed on denial letter. ( a copy of the denial letter is included in report )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Accord

ing to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Mortgage

Mr. Cooper/NATIONSTAR Mortgage LLC XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIPLE ISSUES : INCORRECT PRINCIPLE BALANCE upon loan sold/transferred XX/XX/XXXX INCORRECT INTEREST RATE due to 1-year adjustable mortgage INTERNAL AUDIT AT MR COOPER triggered my account to go into a LATE STATUS ( due to the {$940.00} principle payment issue that I believed was corrected and closed ) INCORRECT LATE FEES resulted from late status MY CREDIT HAS BEEN MARKED AS LATE STATUS for no reason MR COOPER SENT A 1099C form requesting I PAY TAXES on the " DEBT FORGIVENESS '' there was no debt forgiveness, just a correction of the true and correct principle balance. 
NO PROPER DOCUMENTATION IS ON MY ACCOUNT so customer service can't assist NOW WORKING WITH THEIR INTERNAL ESCALATION DEPT contact is XXXX  he also answers my XXXX  off XXXX. 

MORE DETAILS AND HISTORY : Upon the sale and transfer of my loan from XXXX to Mr. Cooper, the WRONG loan balances were recorded and the WRONG interest rate was set into place by Mr. Cooper from my prior mortgage servicer XXXX XXXX XXXX aka XXXX. An amount of {$940.00} was in dispute, which happens to be my principal payment. THIS AMOUNT WAS CREDITED TO MY ACCOUNT backdated as of XX/XX/XXXX by Mr Cooper as a resolution. I finally received a letter from Mr Cooper explaining all this at the end of XXXX after months of phone calls and letters. 

In addition, my interest rate was in dispute for months with Mr. Cooper, and they had changed it several times. I am still not 100 % confident it is correct today. They reset it at a higher rate than was placed on my account when they first took over my loan. 

On XX/XX/XXXX, I went online to my account and was shocked to see I was 2 months behind. I knew this was impossible and had all payments in full and had received confirmations via email.
Product: Payday loan, title loan, or personal loan

I have asked Best Egg numerous times to validate the loan that i have with them. I want the actual accounting of the loan. I sent them a registered letter on XX/XX/XXXX XX/XX/XXXXXXXX  and XX/XX/XXXX. They have responded to my first letter only with my loan documents and not the actual accounting of the loan. 
I have told them in all my letters I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you. 
I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Uniform Commercial Code ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Control Act of 1986 and what actions s/he has taken in relation to this account. 

As of today, XXXX XXXX, I have not gotten any response from my second and third letter.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 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 or other personal consumer reports

First, XXXX XXXX unfairly and intentionally closed my credit cards to damage my credit. XXXX XXXX stopped responding to my CFPB reports marking them as duplicates. XXXX XXXX did not stop there. These sick people from XXXX XXXX headquarters keep reporting FALSE balances on my closed credit cards to damage my credit further. The last statement balance was XXXX, due date XX/XX/XXXX. I made the full payment well ahead of time and the payment was posted on XX/XX/XXXX. The credit bureaus are taking the bank 's side and is refraining from fixing the false balances, even when I have tangible proof. I don't owe any balance on any XXXX XXXX credit cards.
Product: Money transfer, virtual currency, or money service

On multiple occasions spanning from XX/XX/2022 to XX/XX/2022 I submitted evidence and requested a refund from Cash App aka Square Inc. for ( 2 ) {$1200.00} disputed online transactions that I never received the product or service for. Cash App denied my dispute on XXXX XXXX and XXXX based on the reason that no error occurred which was not the type of dispute that I filed. I refiled the disputes and submitted the same evidence and Cash App is still saying no error occurred to a Consumer that didn't get the product and/or services that was paid for. 
Dear : Cash App I am contacting you demanding a refund of [ {$2500.00} ] for ( 2 ) disputed transactions that I have not received the product or service for from a merchant XXXX XXXX XXXX ) that you have on your platform. I am attempting to resolve this out of court, but if I can not come to an agreement of getting refunded, I intend to sue. 
Here is a statement of my case that I intend to submit to the court : I entered into an agreement on XX/XX/2022 and XX/XX/2022 with XXXX XXXX XXXX XXXX  aka XXXX XXXX  that stated they would provide a XXXX XXXX XXXX offer that would include XXXX. XXXX. The agreement stated Church On XXXX XXXX aka XXXX XXXX  would have these properties by XX/XX/2022. XXXX XXXX XXXX XXXXXXXX aka XXXX XXXX  have not provided any XXXX. XXXX or mentions XXXX. XXXX at all anymore. As per the terms of the agreement I paid XXXX XXXX XXXX XXXX  aka XXXX XXXX  which billed me as XXXX XXXX through Cash App {$1200.00} x ( 2 ) in advance so they could supply my XXXX XXXX XXXX. XXXX. I am now demanding {$2500.00} from XXXXXXXX XXXX XXXX  XXXX aka XXXX XXXX  for breaking our agreement.
Product: Credit card or prepaid card

XX/XX/22 Received statement from Lowes Synchrony Ban with a double charge of {$110.00} from XX/XX/22 for the same products. Went to store and the head cashier said one of the invoice numbers one of the invoice numbers did not exist in their system. We filed a dispute with the bank and received a letter from them stating they were investigating the dispute and give them 90 day and no fees or interest would be charged during this period. Called again on XX/XX/22 as we received another statement to pay and again was told to ignore the charge. Received email and texts this past week to pay this charge and they sent me to collections and charged {$29.00} late fee. Called again XX/XX/22 and talked to several people with different stories. was on the phone with them for two hours and the last man, XXXX said there was not a dispute in the system and a new dispute would have to start again even though we had the letter from XXXX. We have never had anything sent to collections and don't know where to begin to resolve this. We have asked for a copy of the invoice showing the second purchase for {$110.00} or documentation of what the bank has been doing after the first letter we received from them on XX/XX/22 and why we were not notified that the dispute had been resolved on XX/XX/22 and they would not give me any information.