23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I believe that the credit reporting practices involving my personal information may have violated the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, which governs the collection and dissemination of consumer credit information. As per the provisions of the XXXX XXXX, specifically 15 U.S.C. 6802, I did not authorize the release, sharing, or use of my financial information by your institution or any affiliated entities. Under 15 U.S.C. 1681b, you are prohibited from obtaining and furnishing my personal credit information without my express written consent. I hereby affirm that I have never provided written consent for any party, including your agency, to obtain, access, or furnish my credit information. Delete any erroneous or unverified entries in my credit file that are a result of non-compliance with the requirements under 15 U.S.C. 1681b.
Product: Credit card

Dear CFPB, I am submitting this complaint regarding chimes unlawful actions in refusing to accept my valid identification, closing my account after accepting my deposit, and withholding my funds without justification. 

XXXX. Summary of Issue : I am a legal XXXX resident, and XXXX explicitly states on its website that legal residents are eligible to open accounts. Based on this, I opened an account with Chime and deposited funds. However, when I attempted to access my money, the bank : Refused to accept my valid XXXX XXXX and XXXX government-issued work visa as identification. 
Claimed I need a XXXX passport ( which is legally impossible for a non-citizen and contradicts their own policies ). 
Closed my account without cause after taking my deposit, leaving my balance inaccessible. 

The customer service representative, XXXX, refused to provide assistance or escalate my complaint. The only solution offered was for me to obtain a XXXX passport, which is not a legal requirement for a XXXX resident to maintain a bank account. 

XXXX. Violations of Banking Regulations : Chimes actions appear to violate multiple regulations, including : Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under the Dodd-Frank Act, by misleading me into opening an account and depositing funds only to later reject my legal ID and block access to my money. 
XXXX XXXX and XXXX Funds Availability Act ( EFAA ), by accepting my deposit but refusing to return my money. 
Know Your Customer ( KYC ) regulations, which require banks to verify identity but do not allow them to arbitrarily reject valid government-issued documents that meet federal standards. 
Discriminatory Practices by imposing an illegal requirement ( a XXXX passport ) that is impossible for a legal XXXX resident to meet. 

XXXX. XXXX Requested : I am requesting immediate intervention from the CFPB to : XXXX. XXXX Chime to return my funds immediately since they unlawfully closed my account. 
XXXX. Investigate potential discriminatory practices regarding their treatment of legal XXXX residents. 

Conclusion : Chimes conduct is unlawful, deceptive, and discriminatory. By allowing me to open an account and deposit money, then refusing to accept my legal ID and closing my account, they have engaged in wrongful withholding of funds. 

I request urgent assistance in resolving this matter and ensuring my money is returned promptly. Please confirm receipt of this complaint and advise me on the next steps. 

Sincerely XXXX XXXX
Product: Mortgage

On XX/XX/XXXX of Mr Cooper I logged on to make my mortgage payment and my account reflected that my house payment increased to {$1700.00} due XX/XX/XXXX. My mortgage payments were {$1000.00} so it increased by {$610.00}. I immediately contacted Mr Cooper and was told that due to an escrow shortage in the amount of {$6200.00} caused by previous loan servicer XXXX XXXX XXXX XXXX not charging enough money for my insurance this shortage has now " caught up '' with my mortgage. I do not understand this shortage as the loan was transferred from XXXX XXXX to NationStar Mortgage XXXX XXXX Mr Cooper XXXX on XX/XX/XXXX and response from XXXX XXXX is that my loan was in good standing on the date of the transfer with {$1100.00} in my escrow account. I am now struggling to pay these mortgage payments and request full disclosure on what Mr Cooper says is the cause as insurance was not due at the time this loan was transferred and insurance would have been the responsibility of Mr Cooper. I've not been notified that I had an escrow shortage nor that my payments would go up as I only discovered this when I logged online to make my monthly payment. I have inquired via email several times to Mr Cooper and have not received a written response to this issue as I only have notes I took during my phone conversation on XX/XX/XXXX as to the reason for this increase.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Second Mortgage Loan for {$27000.00} as guarantee to a Property was open on XXXX in XXXX XXXX   XXXX in PR. It was paid accordingly until end of XXXX. The property was on Sale and the balance of the first and second mortgage ( {$220000.00} ) was more than the Actual appraisal of the property ( {$160000.00} ) in a difference of almost {$75000.00} with charges.The First loan with XXXX XXXX agreed on a Short Sale, the Second Mortgage with XXXX Bank did not. For this reason, the property began a Foreclosure Deed in Lieu procedure. The XXXX XXXX XXXX was informed of the foreclosure as they denied the Short sale process and I had no money to make the sale feasible. Foreclosure proceedings started in XXXX, court communications were presented and everyone was informed including XXXX XXXX. I called them several times and they continued to send monthly Invoices regarding the XXXX XXXX   XXXX and making calls on due payments. They even sent letters on the insurance requirement. Every time I called and explain and they just took notes of it. I took two years and after XXXX XXXX situation, in XXXX, the court foreclosed the property in guarantee and sold the property for $ XXXX have called XXXX Bank and tried to reason with them on what happened, the loan was paid always on time for 9 years and the keep reporting this account Open and every month report the late payment on a loan that should appear as closed. They do not want to change the information, they have never tried to negotiate with the balance owed or charge off, they just keep reporting the loan open and the balance continues to grow and earn interest. I have claimed this information on Equifax, Experian and Trans union and XXXX XXXX keeps answering as accurate. This account was a second mortgage lien on the property I used to owe. It was not a line of credit. The property was foreclosed, it should not appear on my credit report as open and reporting illegal monthly status of late payments. When I recently called them again three weeks ago the person stated that the XXXX XXXX should have paid the balance of the second and since it never happened, I still owe the loan and it still will appear as open. When I asked the person what about the property that guaranteed that loan? it does not exist, the person said that she did not know how that works. When I requested to talk to someone form the legal area or loss mitigation, they transferred me six times with no answer and just told me that the Legal area was not working due to COVID and that they would call me back, I am still waiting for the call.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and XXXX have been reporting bankruptcy to the credit bureaus. 
The courts do not report any information to the credit bureaus.
Product: Checking or savings account

Please see emails attached for dates and times. 

I have been denied access to my statements after making numerous requests. But, have been XXXX  for several months so there should not have been any transactions other than small bills like XXXX All of my funds that were fraudulently removed from my account returned and then this account closed. This bank should not continue to operate if this is a common practice to ignore customers and deny access to their own accounts. I almost lost my life and was released from the hospital to finish recovering in isolation but had no money to pay for shelter, food, medicine, etc. Every attempt to contact MoneyLion was flat out ignored. I could have died if an agency hadnt stepped in to cover my expenses while sorting this issue out. And considering my family is a military family and front line workers, they showed very clearly how much my familys sacrifices actually mean ... .nothing at all. I want this bank closed and all of my money returned. Tax return and monthly SSI benefit payments. 

unsure, but this is the date that I was told that my account was closed due to having a negative balance ... which it should not have had. I had been requesting access to my account and made several request prior to this that if my request not been ignored, I could have brought my account back into good standing and my account would still be open for me to figure out what activity has occurred fraudulently while I was XXXX  with XXXX. Yet, MoneyLion ignored my numerous request for assitance.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address unauthorized hard inquiries that appear on my credit report managed by TransUnion. These inquiries were conducted without my explicit consent, violating my rights under the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and other applicable federal laws. Despite disputing these inquiries directly with TransUnion, I have not received a satisfactory resolution. 

These unauthorized inquiries have negatively impacted my credit score and hindered my ability to secure financing and credit opportunities on favorable terms. 

Details of the Unauthorized Hard Inquiries : XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX Violations Identified : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b : These inquiries were made without my explicit authorization, violating the FCRA. 
TransUnion is required under FCRA 611 ( a ) to investigate and correct any inaccurate or unverifiable information within 30 days of receiving a dispute. 
Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801-6809 : The GLBA mandates that consumer financial information can not be accessed or shared without explicit consent. These inquiries infringe upon my financial privacy. 
Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5531 : TransUnion is obligated to prevent deceptive, unfair, or abusive practices in credit reporting. The presence of these unauthorized inquiries violates this responsibility.
Product: Credit card or prepaid card

Barclay Bank did NOT solve any of the problems from my original complaint. They did not even terminate XXXX 's employment at Barclay. There's no indication that they actually read any of my complaints. They only sent me generic responses. 

If they are not able to solve any of these problems, we should continue the legal battle well into XXXX or XXXX. This is NOT something I will put up with, just to be clear. 


Original Complaint that was sent to Barclay on XX/XX/XXXX Date : XXXX, XX/XX/XXXX, XXXX XXXX Subject : Complaint against XXXX To : XXXX XXXX : XXXX Hi Barclay Bank : I called Barclay Customer Service on XX/XX/XXXX and I spoke to someone name XXXX. 

She refused to give me her last name and she gave me a fake employee ID. 

She told me she is located in XXXX, Nevada. ( if that's not a lie ) I had questions about my account which XXXX could not answer and refused to answer. 

We got to a point where I asked a question and she said that she did not have a response for me. 

She's very XXXX and rude to me the whole time. 

I had to escalate to a manager in order to get my questions answered and took care of business in my account. 

Please listen to the recordings from that day. 

XXXX talked to me like she was my boss and I was begging her for help or something. 

She lacks customer service training and sympathy as a human being. She left me with no choice but to formally report her. 

Please terminate XXXX 's employment at Barclay. She's a XXXX XXXX  at Barclay. She brings XXXX to Barclay. 

Thank you, XXXX XXXX
Product: Checking or savings account

I have a personal checking account at Bank of America and they charged me a ( 1 ) -time fee of $ XXXX because the CA Franchise Tax Board levied a garnishment of $ XXXX against this account. I promptly called the CA Franchise Tax Board and paid the entire balance owed to them of $ XXXX and NO garnishment occurred. I then called Bank of America back and asked them to reverse this fee and they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company named XXXX XXXX since XXXX regarding a personal line of credit that was issued. I have been provided with misleading information regarding the dispute of their investigation every since time! Ive spoken too a resolution specialist in the Iowa Office XXXX XXXX and he provided me the resolution too resolve the matter, and once I accepted that offer the executive office lost contact with that representative. The representative XXXX XXXX was unable to be reached.. I was given the run-around by EVERY supervisor when calling in AND, I had to provide my story every single time! This amount is excessive and higher than the original balance the company has been in a class action lawsuit XX/XX/XXXX regarding damaging credit and was suppose too release at least an amount of {$25.00} XXXX too non-compensatory damages. I NEVER received any information regarding they would assist as I complained EVERY YEAR too this company about my compliant. I have all documentation regarding the suit and how they allegedly claimed to help those who was hurt. Within the Case XXXX XXXX XXXX 2. Settlement Benefits it states : Net Settlement Pool 1, which will be 77.46 % of the net settlement fund, will go too paying damages related too period running from XX/XX/XXXX through XX/XX/XXXX. The documentation Also states they as in XXXX XXXX would pay for the Fee Damages, and Credit Impact Damages for the XX/XX/XXXX-XX/XX/XXXXto write and still leave at least {>= $1,000,000} for Non-Compensatory Damages The documentation states they are Obligated too pay the amount. It states as well if a previous consumer has complained too XXXX XXXX or Federal Agencies they would be automatically enrolled into the settlement in section ECF 162-9. AS I READ SA 2.37, 2.42 XXXX XXXX has AGREED too pay {$1.00} XXXX towards their so called expert analysis which wouldve been the title of XXXX XXXX who was miraculously retired/and or fired.
Product: Credit reporting or other personal consumer reports

I've requested the removal of the XXXX XXXX account from XXXX Credit Bureau 's. XXXX has removed the account, but XXXX and Experian have failed to follow as I've requested. The XXXX XXXX account has been closed since XXXX XXXX and charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my XXXX credit report which do not belong to me and I did not provide authorization to pull my credit report. 

XX/XX/2021 with SYNCB/ Sams Club is not mine or I did not apply for and requesting it either be removed or provide proof I applied for this card. Included with the proof I am requesting by which method was the application i.e. online, via phone or in person, if online please provide the ip address. **There was a line of credit opened which I had immediately closed. 

XX/XX/2021 A XXXX XXXX inquiry is not mine or I did not apply for and requesting it either be removed or provide proof I applied for this card. Included with the proof I am requesting by which method was the application i.e. online, via phone or in person, if
Product: Vehicle loan or lease

Simple. Apparently, US Bank has realized I am tired of receiving demands for {$0.00} for the current month when in reality I am nearly three ( 3 ) fully months ahead on my payments. My solution is really quite easy, and apparently, I maybe correct that those in processing have no idea what those in charge of the Fraud Department are thinking or doing, respectfully said of course. Because my most recent payment coupons are now labeled correspondence instead of indirect lending. 

So, I scanned and maintain a payment coupon in my index, and I adjust it accordingly because US Bank consistently and continually fails to issue a current ( again I am no less than two ( 2 ) months ahead so currently my ) payment coupons this payment is for XX/XX/2023, but what I get from that bank is for XXXX and a {$0.00} demand. Moreover, my Credit report is delinquent of facts necessary for anyone to fairly assess my creditworthiness. This is apparently a system wide problem as it happens to me in every banking debt I have. 

I bet if I was in default, they'd surely have that information readily available, which I may begin to elect to do so as to get the matters in for judicial review on the lenders dime as I possess each and every checking & banking statement for the past six years along with eft 's and all other information including handwritten ledgers. I contend this is a violation of the Uniform Commerical Code and may well be ripe for Jury Review and full unfettered ownership of that RV because of the prejudicial and dilatory actions of the creditors, same is currently under review.
Product: Money transfer, virtual currency, or money service

My account has been permanently deactivated without reason for it and I am not able to close it. They are holding my account information forever without my consent. My ability to withdraw my account data from them has been taken away which I did not agree to when I signed up for the account. This is not fair and against the user agreement when I signed up for the service.
Product: Debt collection

I have asked XXXX for about 3 years to verify my debt by sending me a signed contract with my signature to verify debt. Instead all they send was transaction histories which could not in fact prove that this is my debt. I have told them that I am unaware of this debt, so they send my account to collections ( Midland Funding ) which tried to garnish my check without still verifying my account. Midland Funding refused to talk to me and here I am stuck with paying a unverified account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to the credit bureau asking them to investigate several items. They did not do this investigation. The first was XXXX XXXX ending in XXXX. This account was not late in XXXX of 2023. 

The second was XXXX. This account was settled in full and the creditor agreed to remove it from my bureau. This account number ends in XXXX The third was XXXX XXXX This was also settled in full and was supposed to be removed.
Product: Money transfer, virtual currency, or money service

Cash app did not inform us that there would be no customer service available when we have a problem we had a problem with money not being transferred and it took three months to get the problem solved
Product: Debt collection

I spoke with XXXX your representative and notified her that I was in the state on XXXX  entering the year XXXX. I was not aware I needed to be released from any lease now I am wondering if the parking permit that I turned in was not removed either. The XXXX tenants stated they would submit information which they clearly failed to do. XXXX suggested I get a Notarized document stating that I was in the state of XXXX  beginning XXXX  ( which I am able to do if needed ) in order to be released from debt. I did some research that stated that as long as I had both parties sign a formal document agreeing that they would 100 % take responsibility of debt that I would be removed from collections thus why I submitted formal document. I am also aware that I can not go back in time and remove myself from lease now so what would be the next step you suggest I do? XXXX  years passed and the XXXX XXXX was not in contact with me regarding outstanding bill why not? That doesn't sit right with me. I appreciate you taking the time to help me with resolving such matter.
Product: Money transfers

to whom it may concern on the XX/XX/2015 i sent XXXX dollars cash through money gram at a Wal-mart store XXXX ca, XXXX and to come to find out that my money never got to the person I sent it to and i have kept in contact with Moneygram and I was told that it would take 10 days and then they told me 15 days and now the 15 days are up and now they are saying to wait another 15 days and I don't know what to do. please help.
Product: Debt collection

BullCity Collections is reporting to the credit bureaus that I owe XXXX {$570.00}. I have explained to BullCity that I have no balance owed to that company. I cancelled my membership in XXXX of 2013, and despite that, the company continued to bill me through XXXX of 2013. Even though I had cancelled my membership in XXXX, and turned in my access key that same month, they continued to bill be for things. This {$570.00} charge they are trying to collect are for charges they charged me for AFTER I can cancelled my membership.
Product: Debt collection

Hello, I was a victim of identity theft in the past. This creditor never sent in any mail stating that this debt was owed. Never received written notice about this debt before it was reported on my credit report. I contacted them 40 days ago and have yet to receive proper validation and documents stating this account is mine. This has surpassed the legal time limit please remove this from my credit report. There is no verification of this alleged debt that is not mine. The dates reporting across all credit bureaus are different this is inaccurate. Also this account listed gave false/misleading information then decided to close the account. There is a positive balance of {$6100.00} which is false representation of the amount. This goes against 15 USC Section 1692e ( a ) I also never granted this organization. 

The account is XXXXXXXX XXXX XXXX XXXX. 

I am the only one who can validate this debt, according to congress I am the original creditor. I do not validate this debt. Congress law states that legally this account is supposed to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX ( XXXX ) sold my credit card to XXXX XXXX XXXX  sometime in XXXX. I was on auto pay with XXXX. Shortly before the sale to XXXX, XXXX made some errors with the amounts they ( XXXX  ) took from my bank account. The result was an incorrect balance on my CC account. I forwarded the correct information, along with my bank statements to XXXX on XX/XX/XXXX. I never heard from XXXX. Recently i received a collection letter from XXXX XXXX XXXX.