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

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX CT, XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX Please remove the following Telephone Numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Checking or savings account

I paid XXXX for XXXX  XXXX but couldnt have XXXX because XXXX  said my XXXX was not strong enough so the owner agreed to a refund and we both signed a settlement agreement with dates agreeing to pay me that they did not pay me on then I received a email with new dates stating I would receive the money then and I didnt so I put in a dispute with my bank I did everything Chime asked me to do I wrote a essay I submitted a receipt I submitted conversations between me and the owner in Chime denied my dispute and when I asked them to explain to me why they cant even explain to me why my dispute was denied I really need help with getting my money back
Product: Checking or savings account

On XX/XX/, during a visit to Chase Bank 's XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, I was extended an offer for a Chase Private Client Checking account by Private Client Banker XXXX XXXX ( XXXX ID XXXX ). The promotion involved depositing a minimum of {$250000.00} into the account within 45 days and maintaining that balance for at least 90 days to receive a {$2000.00} bonus. 

Timeline and Actions : Initial Deposit : Made on XX/XX/, totaling {$250000.00}. This met the criteria of depositing the sum within 45 days of the offer. 
Follow-ups with Customer Service : Phone calls were made to Chase 's Private Client Service on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
An in-person branch visit was conducted on XX/XX/. 
Correspondence with Branch Manager and Private Banker : Phone call with Branch Manager XXXX XXXX on XX/XX/. 
Emails were sent to both XXXX XXXX and XXXX XXXX on XX/XX/XXXX and XXXX, XXXX. 
Unfulfilled Promises and Issues : Unfulfilled Callbacks and Emails : Despite multiple assurances, including from XXXX XXXX, promised callbacks and emails were not received. 
Lack of Transparency and Delays : On XX/XX/XXXX, XXXX XXXX acknowledged that I am owed the {$2000.00} and mentioned that she filed a request with Chase corporate for the bonus to be issued. No progress has been made, nor has any correspondence been received to update me on the status. 
Unrealized Promised Actions : Despite promises from XXXX XXXX, I have not been assigned a new Private Client Banker, nor have I received any formal written follow-up. 
Claims : Unawarded Bonus : The {$2000.00} bonus remains unpaid despite fulfilling all the conditions outlined in the promotional offer. 
Interest Loss : Given the delay, I believe I am also entitled to interest on the {$2000.00} that should have been credited to my account. 
I consider the failure to honor the promotional offer and the subsequent lack of clear communication to be a breach of agreement. I expect immediate resolution, including awarding the promised {$2000.00} bonus as well as any interest accrued on that sum during the delay.
Product: Debt collection

Monterrey Collections st ates in a letter that i opened an account with  XXXX   XXXX   XXXX  in  XXXX  of   XXXX  . I have not been a part of the MIlitary since  XXXX   XXXX  i do not have any knowledge of a loan with  Monterrey COllections or    XXXX   XXXX  . I have dispute this account numerous times and have asked for account verification. I do not have a contract with Monterrey COllections and i do not have any knowledge of an account with   XXXX   XXXX  .
Product: Checking or savings account

I had bank of America around 2017. There was fraud activity that occurred and the suddenly closed my account. I contacted them they said I owed them a XXXX XXXX dollars. I disputed it on my credit report it went from a XXXX  XXXX down to XXXX. But they still said it was fraud. I called XXXX XXXX and they sent what they had to me. I then contacted them because I went to my local police station to file paperwork on fraud and is willing to prosecute I needed more details from bank of America. The fraud department told me I wasn't in their fraud system. Then the division that closed account couldn't give me time of incident where it took place nothing for me to file this police report. They was supposed to send me what they have and I have yet to receive it in the mail. Then I was advised from XXXX  since I can't file a police report to file a consumer complaint against them
Product: Money transfer, virtual currency, or money service

I recently noticed unexpected fees and missing transactions on my account. Upon contacting customer service, I was informed that my account had been frozen due to an ongoing investigation. Despite multiple follow-ups, my calls went unanswered, and I was denied any updates regarding the outcome of the investigation. Additionally, I was not provided with any explanation or resolution, nor was my money returned.
Product: Checking or savings account

On XX/XX/year> I received an e-mail from credit karma informing that my account had been locked as a safety measure. I then received another e-mail requesting to confirm my identity. At XXXX XXXX  on XX/XX/year>, I sent the information they had requested. Today is XX/XX/year>, I have made several calls and sent several E-mails requesting they unfreeze my account. The help center said that the department that handles the unfreeze only operates by email and that they would send one for me as well. I have made several emails myself. NO RESPONSE. 

This is a company that says they are designed to help build your credit score. I question how not being able to pay for anything with my personal money helps my credit. I DID NOT receive a request for the information before they froze my account. I responded the same day as they sent the request after freezing my account with the information they requested. Over 48 hrs later I have not been unfrozen. I had transfered {$1000.00} into the account to pay for a bill. I have also set up direct deposit into this account. 


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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account XXXX has violated my rights. Or list of inquiries 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: Credit reporting or other personal consumer reports

15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) - Unauthorized inquiries AFFIDAVIT Notice, it is a fact, XXXX is aware, THOSE inquiry ARE unauthorized and has been furnished without my consent. There was no permissible purpose and is a violation of 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). REMOVE INQUIRIES BEFORE I take legal ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing for over a year with GM Financial about an account that they have as charged off whenever the vehicle loan was paid off by insurance in XX/XX/2015 for a wreck.
Product: Credit reporting or other personal consumer reports

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit reports and noticed the inquiry on there but have not done any business with this company. They will not remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

For several months starting XX/XX/2020 I have not been able to speak with a person at Experian credit reporting agency. They have my S.S. number blocked as to where I am not able to speak to a person. I have received copies of my credit report however I can not speak to a person in regards to it at Experian. This should be some type of a violation because EXPERIAN has control over my credit score and is INCORRECTLY reporting on it! Ex. my credit score goes up and down in ONE TRANSACTION on the SAME day at the SAME time! HOW and WHY cant someone at Experian answer that! 
I have put in numerous complaints with CFPB and it keeps coming back the same. I am only interested in speaking with a person as to why my scoring is not reflected the way it should be and is being manipulated in a negative manner! I do NOT want them to send me another copy of my credit report as an answer to these complaints!
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date XXXX XXXX XX/XX/XXXX Balance Owed : {$7500.00} Collection XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$100.00} Collection XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$26000.00} Late/Open Inquiries in Dispute : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is XXXX  XXXX XXXX 's Debt. 
Back in XX/XX/2012 my identity was stolen and a charge for a tire purchase was made on my credit card issued by XXXX  XXXX XXXX. 
Within the next XXXX months I reported the fraudulent charges to XXXX  XXXX XXXX, I was told that they would investigate it and advise me to close the credit card account. 
I closed the account in XX/XX/2012. 
The bill from this fraudulent purchase kept on coming. After kept on discussing the bill, it was sent to a collection agency. Since then it was sold to many different agencies. 
Currently, per my last information, it is owned by XXXX XXXX, they kept on calling me and perhaps now sold it to a different agency. 
I filed several disputes to no resolution. 
All I am asking them to show me the tire purchase with my signature, but they have not provided me that, instead they have provided me transaction of purchase online stolen identity. 
I want them to take it off my credit files from all three bureaus. It is negatively affecting my credit FICA score.
Product: Credit card or prepaid card

I purchased airfare from XXXX XXXX on XX/XX/XXXX using my Chase Ink card account number XXXX in the amount of {$920.00}. I closed the Chase Ink card in XX/XX/XXXX. Due to COVID-19, I cancelled this trip in XX/XX/XXXX and XXXX refunded the the XXXX card in XX/XX/XXXX, for which the XXXX is XXXX. However, when contacting Chase, I was informed that the XXXX account had been purged after its closure and that they had no record of receiving the refund nor could a refund be received on a purged account. Since then, I have contacted XXXX XXXX multiple times, most recently last week, which confirmed that the refund to the XXXX card did successfully occur. Any attempt to reach out to Chase back in fall XXXX and early this year resulted in them stating there was no record of that account ever existing. However, I have still not received a check or any other form of refund for the {$920.00} credit to the closed account.
Product: Credit reporting or other personal consumer reports

Urgent Complaint Regarding Failure to Update Account Status - Loan Paid in Full I am writing to file a formal complaint against Goldman Sachs Bank ( Apple Credit Card ) concerning the mishandling of my account status. Despite having paid off my loan in full and receiving the 1099-A copy B from the IRS/Goldman Sachs Bank ( Apple Credit Card ) , theyhas failed to update my account to reflect the paid-in-full status. 

This oversight not only affects my credit report accuracy but also raises concerns about the bank 's adherence to proper financial reporting standards. I have made multiple attempts to rectify this issue by contacting Goldman Sachs Bank ( Apple Credit Card ) directly, but the situation remains unresolved. 

I kindly request the CFPB 's intervention to investigate this matter and ensure that Goldman Sachs Bank ( Apple Credit Card ) promptly updates my account status to " Paid in Full. '' Additionally, I would appreciate guidance on any further steps I should take to address the consequences of this reporting discrepancy on my credit profile. 

Thank you for your prompt attention to this matter, and I trust that the CFPB will work to ensure fair and accurate financial reporting practices.
Product: Credit card or prepaid card

Greetings! 

I am filing an official complaint against the illegal business practices of the so-called First Progress pre-paid MasterCard- I am attaching their information for your reference. 
At the end of XX/XX/2021 I relocated permanently to XXXX and have consequently advised the afore-mentioned bank numerous times : 1. That I did not have forwarding address in the US 2. That I did not have any relatives, friends or relatives in the US 3. That I did not have a US bank account 4. That a friend of mine has helped me fund the initial {$2000.00} deposit from his bank account and he has also made subsequent payments. 
5. On XX/XX/2021 I have faxed them a request with very specific instructions as to how to close the aforementioned account and do a wire transfer to a designated account, in view of items ( 1 ) through ( 4 ). I was previously advised by one of their reps that they could do a wire transfer. 

Subsequently, several of their managers advised me that : 1. They could not send me a VISA/MASTERCARD overseas ( only to the US and Puerto Rico ) 2. They could not do a wire transfer, despite being told that other reputable banks that I have dealt with, in the past - XXXX  XXXX XXXX, XXXX, XXXX, to mention just a few, were always able to do a wire transfer to a designated account. 
3. When I asked them - how can I get back my {$800.00} and change, the totally nonsensical, callous and nonchalant answer was - well, come back to the US. 
As if this ongoing nonsense were not enough, if you take a look at their statement, coming from supposedly a closed account, they want me to pay only {$100.00} minimal payment. 

As a result of their well calculated, willful and pre-mediated baloney, I have lost more {$800.00} - which is more what I was making working for a week, not to mention countless hours on the phone with their clueless, brainless customer service agents. 
Consequently, I am seeking your urgent intervention to force this fraudulent and scam driven bank to do the following : 1. Initiate an ACH transfer for {$1500.00} with which to compensate me for their deception and wasted time to a designated bank account of my relative in the US, or 2. Overnight me at their own expense a replacement card to a designated address with the same amount that I can use in XXXX. 

Very respectfully yours, XXXX XXXX
Product: Debt collection

There are items reported on my credit report that are prohibiting me from gaining access to credit. 

XXXX XXXX is reporting a XXXX XXXX collection to XXXX, XXXX and XXXX stating I opened an account in XX/XX/XXXX. They continue to report derogatory conditions as recently as XX/XX/XXXX ; derogatory reporting for a debt I know nothing about. I have received ZERO paperwork from XXXX XXXX or XXXX XXXX about this which is a clear violation of the Fair Credit Reporting Act. This item should be removed from my credit profile.
Product: Student loan

In 2013 I had to file for Chapter XXXX Bankruptcy. Originally my loan was managed by XXXX XXXX, but they have since sold my student loan to Navient. I continue to get harassed 7 days a week even though the representatives know that I am under bankruptcy protection. They continue to call me every day about my student loan. I refuse to answer the calls as it is harassing for them to continue to call me knowing that I am under bankruptcy protection when I speak to a representative. I ca n't access my account online or do anything as the representative that I spoke to confirmed that my account is locked from internet access as I am showing my account under bankruptcy. Now, they 've submitted a very low report onto my credit despite my previous conversations. Please help.
Product: Mortgage

Mr Cooper is incorrectly holding early partial payments until full payment is made contrary to what is noted on their app. I have been paying partial payments since XX/XX/2019. As an example the partial payment in XX/XX/XXXX was for the upcoming XX/XX/XXXX bill with other partial being paid on due date. When using the partial payment option on the Mr. Cooper app there is a note that indicates if I want them to hold the partial payment until I have made the remaining payment to contact them. Otherwise they could apply your payment sooner. I never contacted them so it my understanding that my partial payments were being applied as they were made. Instead Mr. Cooper has been placing the money in an unapplied funds until the full payment has been received. I contacted them and pointed out the error. I was advised that their system doesnt allow for a partial to be applied to balance when it is made. When I advised them they had a note on their app saying otherwise I was told it wasnt their practice. I challenged and asked them to explain the note, since I never contacted them to request that they hold my payment. They are adamant that they are able to hold off on applying partial payment until full payment is made. This makes the information on their app misleading.
Product: Credit reporting or other personal consumer reports

Amount on the loan is {$19000.00}. A Late payment, which is a transaction was reported on my Consumer Reports with XXXX, TransUnion, and XXXX 15 U.S. Code 1681a 2 ( A ), under Exclusions. That U.S. Code states : 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( 1 ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The Late Payment is a transaction, and incurs fees. According to the U.S. Code 15 1681a 2 ( A ) ( i ), this transaction is not to show on my Consumer Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the process of applying for a home loan and sending out several, several letters correcting various errors with the 3 credit bureaus. There arise another problem we were told by the lender there was a foreclosure on the hard credit, which we were unaware of.