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

Been banking with Chime ( XXXX XXXX ) since XXXX. Chime closed my account while I was out of town, XX/XX/XXXX. I had no money and was stranded while on vacation. Chime closed my account for deposits that were made to me by my XXXX XXXX I am a professional XXXX XXXX and I am Enrolled Agent with proper credentials through IRS. Chime requested I send proof showing reasons for deposits and where they were from. I did so as requested. I sent my IRS credentials, Tax Clients documents .... Also, my tax clients sent letters as well. I had another deposit as well and they kept that also. They closed my account with about {$18000.00} available funds. They still have my remaining balance and all I'm asking is they send my money as soon as possible. I was never able to verbally speak with anyone at Chime nor the XXXXXXXX XXXX They always had a recorded message to send email to XXXX. I sent over 25 emails and no resolution. Please help me get my funds from this bank.
Product: Checking or savings account

XX/XX/year> I need a charge card for account.I applied for checking account and I was issued a charge card account number. I need charge card for account. Computer hackers interfered with process.
Product: Credit reporting or other personal consumer reports

I am filing an urgent complaint against XXXX XXXX for their clear disregard of the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify a collection account listed on my credit report. The inaccurate and unverified account reported by XXXX XXXX has significantly damaged my credit score and financial standing. This has led to considerable hardship, including challenges in obtaining credit, increased interest rates, and substantial stress. The actions of XXXX XXXX have caused undue harm to my financial reputation and stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Experian they are allowing XXXX XXXX XXXX to put debt back on my credit report when it was already deleted. The Fair Credit Reporting Act requires that the credit bureau inform you before they re-report a previously deleted listing. The FCRA also makes it more difficult for credit bureaus to re-report listings. I was not notified by Experian the debt that was never Validated would be placed back on my credit which is illegal. Also they are allowing XXXX XXXX XXXX to post 4 different dates of debt with the same amount {$1400.00}. I have got my medical records and the debt XXXX XXXX is reporting is inaccurate and has not been validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is violating FCRA and XXXX XXXX compliance laws. 
I have made several disputes and CRAs contacted Wells Fargo for investigation on this account no : XXXX... XXXX my credit report, and Wells Fargo did not investigate the accuracy of the data they are furnishing.

Per FCRA laws, Wells Fargo has a duty as a data furnisher to provide complete and accurate information. Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. It further states that there is a 90 day compliance reporting period after the account is charged off. XXXX and XXXX does not show the Date of First Delinquency on my report and I have ordered the mail paper copies and confirmed that it is not being reported. I contacted the 2 CRAs and they show what Wells Fargo reports and also told me it is up to Wells Fargo to report it. XXXX has the incorrect DOFD too.
Product: Checking or savings account

XXXX XXXX has paid her XXXX XXXXXXXX credit card and XXXX has paid XXXX XXXX payments by hacking into my CHASE checking account. 
XX/XX/XXXX {$1000.00} XX/XX/XXXX {$310.00} XX/XX/XXXX {$1100.00} She has complete access to the CHASE checking account number.
Product: Credit reporting 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 : DPT EDXXXX Account Number : XXXX 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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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

Some one open an account with out my permission XXXX XXXX XXXX, and numerous inquiries XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Money was taken and not returned for awhile. Then did it multiple times without authorization
Product: Credit reporting or other personal consumer reports

My student loans were with Nelnet for many years. This year I applied for XXXX forgiveness and was granted it. Nelnet Transferred my loans to XXXX as part of this process in XXXX of 2023. My credit reports, after forgiveness, still show a balance on the NELNET loans of more than XXXX. XXXX is reporting, correctly, that these loans have a XXXX balance. I have disputed this through the XXXX bureaus. On the very first dispute, the wrong information was removed by XXXX, but both XXXX and XXXX state that the information is verified as correct by the Dept of Ed/Nelnet XXXX I disputed two more times with documentation, and continue to get the same response with no change to my reported balance. I have sent faxed copies of all of this, as outlined on their web site, to Nelnet. After over a month I sent it to them again. Weeks later I uploaded it directly on their site ( as instructed on their site ). As of today I have received no correspondence from Nelnet. The documentation I provided was the disputes themselves, Letters from both XXXX and Nelnet saying that the transfer and subsequent loan forgiveness happened, and screenshots from the studentaid.gov website showing a XXXX balance. I also sent them a copy of my NLDS text file. It is beyond frustrating that they keep " Verifying '' wrong information, and worse that I can not get a response from them. I also filled out a feedback complaint on studentaid.gov, and have not gotten a response to it either, after more than XXXX weeks. Can I sue Nelnet or the department of Education under FCPA? Maybe others are having this issue and we can launch a class-action lawsuit? Please help me resolve this matter as soon as possible, as it is a huge hit to the ratios on my credit, which negatively affects both my score and my purchasing power.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$18000.00} XX/XX/XXXX DEPT OF ED/XXXX  XXXX {$7300.00} XX/XX/XXXX DEPT OF ED/XXXX  XXXX {$4000.00} XX/XX/XXXX DEPT OF ED/XXXX  XXXX {$4700.00} XX/XX/XXXX DEPT OF ED/XXXX  XXXX {$2300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX  XXXX {$2000.00} XX/XX/XXXX
Product: Credit card or prepaid card

My Bank of America Cash Rewards credit card was open in XXXX. Reward Terms are : At the time of redeem cash reward. If client is in the Preferred Rewards Program client can have XXXX XXXX XXXX XXXX add-on bonus which is true at XX/XX/XXXX I did redeem {$640.00} and got total of {$960.00} ( with extra XXXX XXXX add-on ) deposit in to my checking account. I have exit the Program on XX/XX/XXXX due to the terms are client only need to be enrolled at the time of redeem. I have called BOA on XX/XX/XXXX and got confirmation with BOA representative the cash reward redeem terms has not changed. Therefore I moved my funds ( $ XXXX ) back in to BOA account to enroll. On XX/XX/XXXX I try to redeem my reward. Talk to XXXX different representative. All of them told me no reward terms has been changed but now XXXX XXXX extra bonus is add on to each transaction. I told them that's not what I have sign up for. Also on XX/XX/XXXX the last representative have told me I'm qualified but somehow was not enrolled in the program very sorry about that. She will enroll me right away so I can receive XXXX XXXX add-on on every transaction moving forward. I ask what about my rewards bonus add-on from XX/XX/XXXX ( the last time I redeemed to now which is {$1200.00} ( XXXX XXXX  of base case reward of {$1600.00} ) she said there's nothing she can do. So a compliant was filled at XXXX XXXX XXXX on XX/XX/XXXX. XXXX  has given BOA XXXX day to solve this issue. XXXX XXXX XXXX XXXX XXXX XXXX team has got back to me on the XX/XX/XXXX ( the last day ) and email me the final letter and XX/XX/XXXX statement. The reply was no BOA cant give the add-on because a notice was sent with the XX/XX/XXXX ' statement. Which I have not received due to BOA has never sent to me at all back in XXXX. I feel BOA should honor their terms and give me my extra reward of {$1200.00} XX/XX/XXXX till now ( XXXX XXXX of reward on as of XX/XX/XXXX {$1600.00} ) due to XX/XX/XXXX I have gotten confirmation Reward Terms was not changed from BOA representative and notice of change of Reward Terms was never sent to me. 
I feel BOA is trying to cheat client by changing terms that are not properly inform to clients and confusing clients with their representative.
Product: Payday loan, title loan, or personal loan

GoodLeap is working with XXXX XXXX to finance solar systems. My solar system installation started XX/XX/2022 and never completed, system has not worked since the installation. My contract says XXXX should test the system and verify it works before getting paid. However GoodLeap paid them in full without confirming or even notifying me. When I found out I contacted them and told them installation is not complete the agent on the phone basically said it is not their problem I have to fix it with XXXX. XXXX is not responding, they do not have any plans fixing it. Goodleap keeps taking money out of my account and I have XXXX on my credit report for a system that has never worked. 
In addition to that GoodLeap keeps calling me to remind that I need to apply for federal tax credit and give them that money. I told them that it is not legal to apply for tax credit unless system is operational, they said not to worry this is a common practice and their customers do that all the time. 
Is there anything you can do for me? The only way for me to stop the payments to close my account, open a new account and then I will have to deal with even bigger issues. Is this a valid debt? Can they just pay someone on my behalf without completion of the job and then force me to pay them?
Product: Credit reporting or other personal consumer reports

I was disputing all of these accounts that I have no clue how they even appeared on my credit report and Experian never fixed the problem and my credit score is still going because unrecognized accounts are still showing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN HAS FAILED TO REMOCE THIS XXXX  ACCOUNT EVEN SHOWING PROOF ITS PAID FOR IN FULL AND SHOULD BE REMOVE IM GOING TO FILE A LAWSUIT. I SENT THEM A COPY OF THE LETTER JUST LIKE I SENT IT TO THE OTHER COMPANIES THAT REPORT DATA AND THEY FAIL TO REMOVE IT
Product: Debt collection

To Whom it May Concern : I am in the process of purchasing a new home and recently pulled my credit reports. I was shocked to find that currently reporting is a collection company by the name of Credit Bureau Association for what they are stating is a medical account. I am disputing the validity of this collection and the reporting of it because I do not recognize the debt. I have no recollection of ever having the account. In addition, I have not received a call, text, or email which has furthered my suspicion of how this debt made it onto my credit reports. Due to this collection being erroneously reported to the bureaus, I have been unable to secure credit and it is impacting the approval for my home loan.
Product: Checking or savings account

I am trying to make a withdraw and the company wants to verify the account that will receive the funds. They only offer one method of verification that is to call my other bank. They do not accept anything else and will not make the transfer.
Product: Bank account or service

I signed up for a Citigold Checking account from Citi bank after receiving an offer for XXXX AAdvantage Miles if I opened a new account, paid XXXX bills with automated billpay, and spent {$1000.00} with the debit card. I opened the account on XXXX XXXX, XXXX. I satisfied all requirements XX/XX/XXXX and received a secure message via the citibank website on XXXX XXXX from XXXX XXXX stating the following : " After my review, I confirmed that with the bill payment on XXXX/XXXX/XXXX and your total debit purchase of {$1000.00} being met on XXXX/XXXX/XXXX ; all promotional requirements have been met. To set your expectations, the miles are automatically credited 90 days from the end of the statement cycle in which the requirements were completed. I was able to calculate that the miles will be credited to your AAdvantage member account by XXXX/XXXX/XXXX. Please keep the promotion code on file for reference, and in case they do not post with the XX/XX/XXXX statement, please send us a message with the code so we may research it further. '' My points had not posted by XX/XX/XXXX so I sent them a secure message on XXXX XXXX to ask when my points would post. I first received a message back on XXXX XXXX saying Citi bank would look into the matter. I received another message on XXXX XXXX stating the following : " Unfortunately, you are not eligible for this XXXX miles promotion ( XXXX ). While Citi does offer XXXX miles promotions at times, this offer is available only to targeted Citi card members who received the offer via a direct communication from Citi. Our records show you are not a targeted client. '' This directly contradicts the fact that I received the promotion code. I have screen-shots saved from my account sign-up process to prove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my report from  XXXX   XXXX   XXXX    XXXX   and from  XXXX   XXXX . I contacted  XXXX   XXXX    XXXX   @  XXXX  and spoke with  XXXX  employee #  XXXX  and he was unable to find any applications for me, and he even checked the archives. I contacted  XXXX   XXXX  and they are going to be sending something to have the inquiries removed, but they told me to contact creditor to see about getting them removed sooner. Here are the inquiries :  XXXX   Inquiry  :   XX/XX/XXXX     XXXX   Inquiry :   XX/XX/XXXX    XX/XX/XXXX  Inquiry :   XX/XX/XXXX     XXXX   Inquiry :   XX/XX/XXXX    XXXX  Inquiry :  XX/XX/XXXX    XXXX  Inquiry :  XX/XX/XXXX    XXXX   XXXX    XXXX   Inquiry :   XX/XX/XXXX  ,   XX/XX/XXXX  ,   XX/XX/XXXX  ,   XX/XX/XXXX  , XX/XX/XXXX ,   XX/XX/XXXX  . Please remove all of these inquiries because they do not belong to me, and were not authorized by me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection/Charge Off : XXXX  XXXX Late Payment XXXX XXXX XXXX XXXXXXXX Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Previous Address ( es XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I filed for bankruptcy in 2015. I have zero debt since then and have purchased a van that my sister cosigned for my current credit score is XXXX every time I try to sign up for capital ones credit card with no hit to my credit score XXXX XXXX And the rest of them say my credit score is zero and or I have no history!! 
Ive worked very hard to make sure I made all my payments on time and have contacted the credit union that shows I am paid in full yet all of the credit score people say the same thing my credit score is zero I have XXXX XXXX, which shows me that my credit score is XXXX according to XXXX my credit score is XXXX yet when I order a credit Card with no hit to my credit score it always comes back zero Sorry Im on XXXX and Ive never never asked for more than {$1000.00} credit card.
Product: Debt collection

The original creditor submitted bills to a wrong address in my name. Upon finally receiving the bills from the addressee in error ( a resident on my street ), I contacted Americollect through letter explaining that The billing address was incorrect and I 'd submitted payment to the creditor, XXXX XXXX XXXX. This collection still shows current on my credit report.
Product: Debt collection

On XXXX XXXX, 2015 XXXX XXXX XXXX contacted me to pay on a debt. I was told to pay XXXX over the phone, so my account would not be sold to collections, so I gave them my check account number to take XXXX And they did. Then I received a letter stating that my account was sold to Midland Credit on XXXX/XXXX/2015 Now XXXX XXXX has no record of the transaction that was taken from my bank account. And my balance with Midland Credit does not reflect on my account. However my checking account shows that the XXXX dollars was taken by XXXX XXXX before the account was sold to Midland credit on XXXX/XXXX/2015. My complaint is that the money was never posted on my account, but yet it was cashed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identification was stolen and XXXX XXXX XXXX with {$500.00} balance was obtained, under id theft. As a result there are several hard inquiries on my credit report. I was able to remove the reporting of the credit card from my report. The hard inquiries remain.
Product: Credit card or prepaid card

I applied for my citizens credit card and they delayed my application I have a fraud alert they refuse to verify my identity and approve my application this is not fair they left me a voicemail to call them back but they dont answer
Product: Debt collection

The debt collection agency keeps sending me repeated emails but will not send me a notice or validation by mail which I've requested several times. I've also asked them not to contact me via email but they still do so. Halstead Financial is the company and I need them to cease this activity immediately.
Product: Money transfer, virtual currency, or money service

These events occurred between XXXX XXXX XX/XX/XXXX. In desperate need of an apartment for college, I fell into a scammer who posted his place on XXXX He reached out to me via email on XX/XX/XXXX and then we later transitioned to talking through messages. Everything went well until I visited his place on XX/XX/XXXX to find out that it was occupied by other tenants. I sent a total of {$1300.00} to the people who were apparently working for him. {$200.00} plus an additional {$300.00} went to this XXXX user who is now unenrolled from the app, XXXX on XX/XX/XXXX as the scammer promised to send out the keys so my mom and I can view it but later cancelled it and further having {$800.00} sent to this user with the number, XXXX on XX/XX/XXXX because he said that {$1300.00} is what would be needed to guarantee arrival for the keys. The scammer who I was initially talking to posed himself as XXXX XXXX and even provided a picture of his ID. I have issued a claim to my bank, Wells Fargo, on XX/XX/XXXX but was denied due to it being an authorized transaction. If I had known this was the result, I would not have fallen for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed and requested to have an item from the U.S. Bankruptcy Court removed from my credit report with the 3 CRAs ', most recently this month with XXXX, and have received notice from each that the item was verified, is correct and can not be removed.
Product: Bank account or service

When I log into my Ally Bank account, it used to always send me a one-time login code to my email address. I always check 'this is a public computer ' so they will always require the code, as I sometimes have guests and would rather not have reason to suspect a guest if somebody hacks into my account. I also occasionally access my account from the public library. Recently, the last few times I 've logged in, it has NOT sent me a one-time login code to my email address, thereby increasing the chance that a guest, or somebody at the library, could hack into my account. I have contacted Ally several times, asking that they re-set my default login to requiring the one-time login code for my security. " do not EVER allow anyone including me to access my account without sending a confirmation email to my XXXXXXXXXXXX email address. I am on a public computer and will hold Ally responsible if there is any misuse of my account. This is the second time I am contacting Ally about this. If it happens again I will file a complaint with the CFPB. '' They responded that " we can not comply with this email verification process ''. Which is XXXX. Ally has previously required such email verification, and other online banks require it. There is no reason that Ally - an exclusively online bank, which should be at the forefront of internet security - can not do this ; they 've been requiring an emailed one-time verification code for as long as I 've been a customer there except for the past month or XXXX. Please encourage Ally to be more proactive in internet security and more responsive to customer needs by requiring such a code to be entered when I log in. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I asked that these items be investigated and removed from my report In accordance with the Fair Credit Reporting Act. Caine & Weiner XXXX, has violated my rights. 15 U.S.C 1681 602 A. 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 an account without my written instructions.
Product: Credit card or prepaid card

Someone opened 2 credit card accounts at comenity bank with my info name number ssn and address and they charged a total of XXXX grand in a state I never have ever been but when the bank tried to investigate it they didnt show fraud since it was opened using my info and the bank wont remove the fraud charges and want me to pay it, It accused on XX/XX/22 or so And I filed a police report and the detective said I shouldnt have to pay the fraud charges and attached is the reference number for the police report