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

On XX/XX/2022 Chime closed my account I had XXXX in my credit builder, XXXX in my checking account and XXXX in my savings account. I was never explained why my account was closed I went thru every term and I did not violate any of them. I finally received XXXX checks. One for.XXXX and the other for XXXX I went to multiple banks, pawn shops, XXXX XXXX check cashing centers even the bank the check was from XXXX  XXXX XXXX which I live in Alabama so it was a drive. No One will cash these checks I have been told there is something wrong with the account number and that they are just not cleared. I have been going back and forth with Chime since XXXX only via email because you can not speak to a live representative if you no longer have an account which means you can not verify a check over the phone ... after over a month and a half they finally say they will reprint the checks but I only receive one this time for XXXX and they tell me.im not eligible for the refund now because my credit builder account is $ XXXX but there was XXXX when they closed my account, otherwise it would not be overdrawn at this point... they already screwed me.out of what was in my savings and out of the one check they reprinted I STILL CAN NOT EVEN CASH THE NEW CHECK!! This was my tax refund that I had deposited and since they closed my account I've lost everything, my credit card bills are past due I'm about to be evicted, I no longer have access to a car it has taken so much from me and it's not right for ppl to get treated this way. After looking online I can see I'm not the first person to go thru this same exact situation
Product: Debt collection

I was evicted from my apartment on XX/XX/2020. I was served the lockout notice on XX/XX/2020. On XX/XX/2020 I was incarcerated in XXXX XXXX XXXX for a XXXX and then transferred to XXXX. I got out on XX/XX/2020. By the time I got out, someone else was already renting the apartment I was living in prior. I contacted XXXX XXXX XXXX to advise that I was evicted back in XXXX and that someone else lived there now because they were still charging me. I was told it did not matter who lived there because I never called to shut off service and that I owe everything up until the day I contacted them. I explained that I had no way of contacting them due to my incarceration and offered to send them all the paperwork showing my eviction and incarceration as well as my XXXX  completion. They did not care. 
They have now sent this bill to collections with Contract Callers. I attempted to contact them to work out a settlement but they won't budge. I should not owe anything on this account after XX/XX/2020.
Product: Credit card or prepaid card

American Express offered a XXXX point bonus for new applicants of XXXX credit cards who spent {$4000.00} in the first 6 months. This bonus offer language was on their website, all the reviews from various media, and was also the same offer listed when I logged into my individual AmEx online account. I opened a XXXX credit card account on XX/XX/XXXX, and did not see any notifications of a different offer than the one listed of {$4000.00} in spending in 6 months. I spent {$4100.00} with my AmEx XXXX card between XX/XX/XXXX and XX/XX/XXXX. I received {$170.00} as cash back rewards for some of my purchases, so I made sure that my XXXX XXXX after rewards was over {$4000.00}. When I contacted AmEx about my missing bonus, I was told that they do " dynamic offers '' and they changed my offer to 3 months of spending instead of the 6 months that was advertised. I was not notified of this change. I saved the 2 emails I received from AmEx when I opened my account on XX/XX/XXXX, and neither mention a change in the promotion that I was offered. Since XX/XX/XXXX, I have contacted AmEx several times to request the XXXX membership points. I also provided them with the offer details that I retrieved from the AmEx website and 2 of the reviews of the offer from the time period I applied to my account. I would like to receive the XXXX membership points that I should have earned.
Product: Mortgage

My mortgage was transferred from XXXX XXXX XXXX to Seneca Mortgage Servicing. While at XXXX XXXX XXXX, I was approved for a HAFA short sale and ready to close. I have the closing package as well as the approvals. As of today, I still have cash buyer ready to purchase. I also have a hard equity lender willing to do a short payoff refinance. The short sale did n't close out previously because title could not be cleared due to liens filed with the municipality and an erroneous blanket wild mortgage filed on every parcel on my block by a different lender. 
I have been trying to resolve my foreclosure through a modification, short payoff or short sale, but I have not been able to reach anyone at this company for the past 3 months. I tried to register online and to no avail. I sent a signed authorization in order to have third parties discuss my case, but I have n't had a response. I am currently in bankruptcy and my attorney sent authorization so I can apply for a loss mitigation workout solution directly with Seneca Mortgage Servicing. I sent this authorization to both Seneca 's fax number and email address. I really need assistance. I was faced with a series of medical emergencies that forced this hardship, but I am aggressively trying to resolve this matter. A foreclosure would impact my current employment and prevent me from working as a contracted employee. It would also hinder my return to school. Please help, please help me get a single point of contact to assist me.
Product: Debt collection

My name is XXXX XXXX, a mother, XXXX of over fifteen years, and honest citizen. This is an URGENT Mississippi action where a company is trying to collect on a six year old alleged judgment that was never agreed to or filed in court. 

XX/XX/XXXX, Midland Funding , LLC attempted to collect on a credit card debt by suing me. The case was released. However, the company, or their lawyers, NEVER got the judge to sign a judgment, nor was a judgment ever filed in the court. I called the court for copies of the documents several times to see if I had a judgment ; there is still no filed judgment! Because the judgment was never filed, I did not make any payments to the Midland. This company, then, fell under scrutiny and was sued by multiple persons - I was asked to join the suit, but declined. The company immediately fell under and was dismantled. As such, I definitely made no payments. 

On XX/XX/XXXX, XXXX contacted me and my job alleging I owed a balance and they were going to execute a garnishment. I researched the issue and verified that in Mississippi debts must be collected within three years. I had not been in contact with the company since XX/XX/XXXX. So, I responded in accordance with the Fair Debt Collection Act. In that response I neither acknowledged or affirmed the debt. I asked them to stop writing me and my job because they lost their chance to collect because it had been over six years. 

They continue to write me and my employer. The company continues to threaten me, and recently they have " found '' a signed document that was still never filed. I am afraid and embarrassed by their illegal attempts. My employers are afraid and contemplating releasing me. I have been a nurse for over fifteen years, and I am a pretty great nurse. I also love my job. I am a single mother of XXXX, and I acted responsibly in handling this matter.
Product: Credit reporting

Address still incorrect. Also listing two additional addresses that do not belong to me. 

Please remove XXXX XXXX from address. This is a single family residence. 
Please remove XXXX XXXX - Never resided there. 
Please remove XXXX FL - Never resided there.
Product: Vehicle loan or lease

I feel taken advantage of as a consumer. I just found out that I never received two copies of the notices of my right to rescind this credit transaction back in XXXX of 2019 when I executed this auto loan.
Product: Credit reporting or other personal consumer reports

I looked at my Equifax credit on XX/XX/year>XXXX  and noticed some things are incomplete and not accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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

Today XX/XX/XXXX i was the victim of a robbery where i was stripped of all my documents and banking information. Because of this, i decided to review my credit report and i noticed some inquiries that were made without my consent. I apreciate your help in removing this from my records. 
the Inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. 
Account name : XXXX XXXX Account Number : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 

Account name : XXXX XXXX Account Number : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 

Account name : XXXX XXXXXXXX Account Number : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting

I originally disputed a bill with XXXX XXXX. I refused to pay it. They would not settle same with me and they sent it over to another division called XXXX, which, appears to be their in-house collection agency. The last payment to XXXX was XXXX XXXX. The credit report says the debt is owed to XXXX and the debt commenced in XXXX XXXX ( probably the date XXXX received it ). As a result, a six or seven year old debt has been updated to one that is one or two years old. The statute of limitations in New Jersey is 6 years. The debt is not collectable. But, my credit is being damaged. I tried to resolve it with Experian about a year ago. I believe, however, I did not mention the discrepancy on the dates. I challenged the legitimacy of the charge. Experian answered, in due time, and ruled in favor of XXXX. When I noticed recently that the dates were wrong, I filed a complaint again with Experian. They cited rule 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, saying that they do n't have to deal with a second challenge. I sent it all back to them again today by certified mail, giving them the same information and telling them that they were still liable because they were promulgating incorrect information about me
Product: Money transfer, virtual currency, or money service

On the XXXX of XXXX, XXXX, I was contacted by Coinbase that my futures liquidation buffer dropped below 100 % and was likely to be liquidated if I didn't add more funds to my account. I decided not to close my position ( XXXX contracts ) but to sell XXXX contracts. However, this move caused my Futures account with Coinbase to freeze, making me panic and need help immediately. I looked up the Coinbase Customer Service number and found ( XXXX ) XXXX, a readily available Coinbase phone number that I called. The receiver of the call confirmed that he was a Coinbase Customer Service Representative and promised to help. He then asked me to download the app 'AnyDesk ' which he had me download to my computer. Once I downloaded the app the Customer Service person was able to access my Coinbase account while I was at my account. He immediately took over and bought XXXX debiting {$5000.00} from my local Bank XXXX XXXX XXXX XXXX  ) which I did not authorize. He said that I shouldn't worry because Coinbase was not going to debit my Bank account and that it was for him to be able to fix my Coinbase Futures freeze/problem. He said that he had to do this to unfreeze my XXXX account and no money was to be debited from my Bank account. He further sent me an address to send the XXXX claiming that it is my XXXX XXXX XXXX address. I believed him thinking he was a Coinbase Customer Service. After everything, my Bank account was debited {$5000.00}, I never got anything done to fix my Coinbase Futures problems, and my Coinbase account was used by that Coinbase Customer Service person to use my money to buy XXXX and transfer the Bitcoins to an outside Wallet, not my XXXX  XXXX, as he said. 
I did file a complaint with the XXXX portal ( FBI ) and soon after I filed the complaints, I noticed that Coinbase removed the phone number ( XXXX ) XXXX from its published Customer Service contact numbers. However, I saved a screenshot of the number as evidence, just in case I need it. It makes me feel like this scam is an internet Fraud originating internally from Coinbase insiders. 
I contacted Coinbase but they said that I could not get my money back.. I need my money back. {$5000.00} is a lot to lose to scams inside the workings of Coinbase.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting on my credit report for an account that isn't mine! It was fraud and I have a police report etc .... It was previously reporting on my credit under a collection company, XXXX XXXX XXXX, and that was removed ... Now this company is reporting and it is not mine! Its even paid but NOT MINE! YOu will not be able to provide proof with my signature because I have never done business with them.

THis is fraudulent & Transunion is the only bureau reporting it with this company. Its erroneous!
Product: Debt collection

I sent a debt validation letter to LVNV Funding on XXXX XXXX, 2015 and they failed to validate my debt within 30 days of sending the notice.
Product: Credit reporting or other personal consumer reports

I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct the following accounts : Original Creditor : XXXX XXXX Balance Owed : {$350.00} XXXX XXXX Balance : {$20000.00XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$4400.00} XXXXXXXX XXXX Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$700.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$6500.00}
Product: Credit reporting or other personal consumer reports

I tried disputing the inaccurate information but it was never corrected. 
I keep amassing inquiries on my report and even though I requested their removal they never get removed.

To Whom It May Concern, I am writing to formally address the recent identity data breach that has compromised my personal information, including my Social Security number and financial details. This incident has caused me considerable emotional distress, including feelings of shock, anxiety, and fear about the potential misuse of my information.

In response to this breach, I have taken several proactive measures to protect myself. I have monitored my bank and credit card accounts for unauthorized transactions, placed a fraud alert on my credit report, considered a credit freeze, enrolled in identity theft protection services, and reported the breach to both the Federal Trade Commission ( FTC ) and my local authorities.

However, despite these efforts, I remain deeply concerned about the long-term implications of this breach on my financial security and personal peace of mind. Therefore, I am seeking assistance and guidance on the next steps I should take.

I would like to emphasize my rights under the Fair Credit Reporting Act, specifically citing XXXX15 USC 1681i ( a ) ( 1 ) XXXX, which challenges the 30-day response time for addressing disputes. AdditionallyXXXX XXXX15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ) XXXX raises concerns about the adequacy of investigation protocols, and XXXX15 USC 1681i ( a ) ( 5 ) ( B ) XXXX challenges the reinsertion protocols for previously deleted information.

I respectfully request your support in navigating this challenging situation and restoring my identity if it has been compromised. Thank you for your prompt attention to this serious matter, and I look forward to your guidance. 

Sincerely, XXXX XXXX
Product: Mortgage

I have been XXXX  since XX/XX/XXXX my loan was eventually put in forbearance which during this time I was still making payments towards it while looking for full time employment. I had made payments through XX/XX/XXXX. XX/XX/XXXX BEFORE the end of m y forbearance I contacted Movement Mortgage and was given a 1 month extension till the end of XX/XX/XXXX. Today XX/XX/XXXX I was contacted y Movement Mortgage and when I called back I was told that my account was in active forclosure. I asked how is that possible when I was given the extension until XXXX XXXX. I was told that even though I was f-given the extension it was taken back? I asked how can you give an extension and them just decide to take it back without even contacting me? I was not given an adequate answer but instead I was told to complete some forms on XXXX  which I want to know why do they need a transcript of my taxes from XXXX? How is that their business? I was given the extension when I called on XX/XX/XXXX and movement mortgage should be made to honor that extension. Furthermore I also feel that when they call the consumer should not have to give out personal information in order to be told what the call is about. MM called me I didn't call them and asking a consumer to give out their address is a violation of privacy. How do I know you are actually from MM? That information should only be given if the consumer calls the company not when the company calls the consumer
Product: Credit card

I have received a credit card send me a denial letter for a credit card. I was not the person applying for this card as i already hold one of these cards. I would like for my credit and identity locked and blocked. I have no idea how many more that they will try to open. Me credit score has been dropped to below XXXX points. Thank you, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I was not given the correct interest I would be charged and this was from XXXX. I'm just now hearing of this matter and it is now XX/XX/XXXX.
Product: Vehicle loan or lease

I am requesting for late payments from XX/XX/2020 and XX/XX/2020 be removed from American Honda Finance on my credit report. My household was greatly affected and experienced financial hardship from COVID-19. I contacted American Honda Finance in advance to make them aware of my situation twice and I was advised that there was no assistance available ( ie. reduced payments, deferred payments, etc. ). 

Additionally, I requested for removal of the late payments and my request was denied.
Product: Debt collection

I am writing to request your help and notify multiple violations to the FCRA. My name is XXXX XXXX ; my SSN XXXX, DOB : XXXX. My rights as a consumer are not being respected. I have an account with XXXX XXXX XXXX XXXX, account XXX, opened : XX/XX/XXXX Limit : {$22000.00}. This company is committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting FALSE AND ERRONEOUS INFORMATION. 

Ive always been on top of my payments, that Is why is enrolled the 2 accounts in automatic payments. Bank of Americas website is not friendly at all. It was really difficult for me to set up the automatic payments for both account ; however, they only did it for one account. As proof that I had the money and that I was willing to pay, the other account ( XXX, Date opened XX/XX/XXXX Limit {$2300.00} ) is current without a single late. This was not a money issue. I did have the money to pay. They are being negligent and unfair with this. 

They are also being unreasonable because I NEVER RECEIVED A LATE PAYMENT INSERTION BY MAIL, as required by law. They are committing BREACH OF CONTRACT, these are two more violations to the FCRA and the list of violations is much longer once I sat down with my attorneys to talk about my awful experience with this company. 

This is affecting me in a huge way, mentally and physically. I have a Pending mortgage for {$500000.00} because of this incorrect information being reported. I demand a deletion letter from Bank of America as soon as possible so I can provide to my mortgage company and get approved with the interest that I deserve. If they refuse to provide letter of deletion letter through CFPB portal, I will not think twice to let this issue be decided by a judge in a law suit court. I am sure that it would be a trouble for Bank of Americas records taking this issue to a court. Thanks for reading my complaint. 

See Bank account attached from the time of the issue, as proof that I had enough funds to pay.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX, and i am personally composing this complaint to address unauthorized hard inquiries on my credit report. I was recently alerted about these inquiries that i did not approve. My credit score has dropped and this is hurting my credit profile. I have called XXXX AND EXPERIAN on this matter and they refuse to help me. I have a fair credit profile and this is damaging my credit image. I NEED HELP as the credit bureaus refuse to help me by placing me on hold and " accidentally '' hanging up phone. I am trying my best to have a stellar credit score. PLEASE HELP