23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I was conversing with the head office of a national bank for the better half of 2 hours in the evening trying to solve an issue. 

The banker had to make a call, and I concurrently recieved a call from another source. 
We both had our respective conversations. 
The XXXX XXXX rep was looking to update my number in the system of her banking platform. She subsequently advised me of her actions. 
A few minutes past XXXX XXXX, I noticed an email emminating from Google indicating an update of my recovery phone in their database. 
So, I mentioned that the Google Account was being notifying me that an update phone number had been received. 

Only after I mentioned to her this receipt, was she then made to go into the banking institution 's platform and update my phone within the system.
Product: Credit reporting, credit repair services, or other personal consumer reports

We had a loan with XXXX mortgage. We ran into personal issues and I left my job as a XXXX to care for my mother. We called XXXX they offered a Loan modification. We started trial period XXXX, XXXX XXXX We payed everymonth on time. The XXXX payment was showing late. When I called suntrust they said the date was the date they were able to apply the full payment. The XXXX payment to the loan modification was also late payed by XXXX. But the XXXX payment is showing on time. We had a full offer on our home and XXXX gave us a payoff greater then the amount owed. We had to pay {$6000.00} more then owed. XXXX said we never completed the XXXX Modification process. The loan modification process was started XXXX XXXX, We sold our home XXXX XXXX, XXXX. We are now trying to purchase a new home. We are told we are still in a " partial Payment Process with XXXX. When on XXXX XXXX XXXX, the loan was statisfied at a greater amount that was due. I tried to clear this with XXXX, Transunion and Experian. This has been a nightmare. We are trying to get into a less expensive home. XXXX refuses to update the credit report showing we are not in a partial payment program. THe loan modification is still showing on our credit report and we cant get new financing.
Product: Checking or savings account

Cadence Bank refuses to provide ACH documentation without my having to take extreme measures. 
On the first occurrence I requested this information 5 or more times before filing XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. When their attorney responded he provided incomplete and false information. The matter was resolved two days before the XX/XX/2022 trial date with an agreed order and Cadence Bank supplied the requested information, Cadence Bank paid the court costs. 

On the second occurrence I requested the information via USPS Certified Return Receipt. My loan officer responded via email and did not provide the documentation I requested. I copied Cadence regional president to my response email requesting the ACH documentation. Cadence then provided the information. 
The third occurrence is in process. XXXX  XXXX has stated multiple times he will provide the information but does not. XXXX XXXX has been copied on the emails and has full knowledge my request is being refused by the absence of action. 

I am requesting complete ACH trace data for the {$130.00} bank draft submitted by City of XXXX to XXXX XXXX  on XX/XX/2022 drawn on Cadence Bank, paid to the XXXX XXXX XXXX by XXXX XXXX  on XX/XX/2022. Taken back by XXXX bank via electronic notice delivered to XXXX of XXXX XX/XX/2022 with a backdate within the text of XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Deletion of XXXX XXXX According to CFPB Lawsuit Case XXXX ; XXXX XXXX violated numerous FCRA Rights XXXX See attached lawsuit. It states that XXXX XXXX must be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX - Report my student loans all closed, however, they don't say Paid, or Paid as agreed, I want them to reflect the correct status- They still got paid, they should reflect paid, and the age of each credit line should be properly reported, I also request they send an updated report to each of my recent inquiries for this month, with a letter detailing their error. ( copy to me as well ) Nextly as a Member and CEO of a separate entity corporation with its own established credit I wish to make it clear.. any further acts of ANTITRUST violations regarding, discrimination against my company by sharing my personal credit without my express written permission are NOT authorized. my personal credit is proving hard to rebuild after my being a victim of Identity theft in the past. their action has cost me Increased fees and elevated insurance premiums and is also violating DTPA 17.46. I am relaunching my firm after covid and applying for Asset-based corporate credit and financing - No personal guarantee is needed, so they need to stop sharing my personal information without consent. I provide my Id and have a credit call to verify my identity prior to opening any accounts,
Product: Credit reporting or other personal consumer reports

I am sending to notify you that I have been a victim of fraudulent activity. In my efforts to address the fraudulent items on my report, I discovered that I need to file an identity theft report with the Federal Trade Commission at https : //www.ftc.gov. As per FCRA Section 605B, Credit Reporting Agencies are required to remove any items listed on an identity theft report, reference number XXXX. Enclosed are the documents to assist in removing the erroneous personal information and inquiries from my report. Below is the list of items that were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items in a consumer 's file identified as resulting from identity theft within four business days of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Originally : XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$4800.00} I have reported to this company that this account is fraudulent and affecting my credit and they will not remove. My child has XXXX and tried to lease a home close to services and was denied because of this.
Product: Credit reporting or other personal consumer reports

Immediate Removal of All Negative Items from Credit Report ( UCC-11 Declaration ) I Formally request the immediate removal of all negative items from my credit report under the Uniform Commercial Code ( UCC-11 ) declaration. No valid debt is in my name, and any negative entries are incorrect and unjustified. 

I demand that your agency : Conduct a thorough investigation into all negative items listed on my credit report. 
Verify the validity of these entries in accordance with UCC-11. 
Remove any and all negative items that can not be substantiated as legitimate debts. 
I expect a prompt response and resolution to this matter. Please confirm receipt of this letter and provide written confirmation once the negative items have been removed.
Product: Credit reporting or other personal consumer reports

I am urgently informing you that I am a victim of identity theft, resulting in numerous fraudulent accounts and inquiries being added to my credit report without my knowledge or consent. I am requesting immediate action to remove these inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed an identity theft report with the Federal Trade Commission ( FTC ) and expect the prompt deletion of these fraudulent entries to restore the accuracy of my credit report.
Product: Debt collection

I have sent a cease and desist letter to this creditor and they are still contacting # s that was on that cease and desist letter
Product: Bank account or service

I signed up for a citigold account accepting a XXXX thank you points promotional offer that was sent to me. I applied early XXXX and was told that I needed to make a qualifying bill payment 2 months in a row to qualify. I called in early XXXX to confirm the promotion was on my account and that I met the qualifications. I asked when I should receive this, they stated by XXXX XXXX 2016. When I called on XXXX XXXX they said it was actually XXXX XXXX 2016 because it was 90 days after the statement closes of the month that I met the criteria. They said they saw the promotion attached and I needed to wait. Upon calling on XXXX XXXX, they said they had no record of a promotion and none were tied to my account. I submitted a citi investigation and they sent me a communication that I had no offer attached. This was the only reason I signed up.
Product: Credit reporting or other personal consumer reports

How can the original creditor report XXXX different " Date Last Active '' dates on my credit report. This is INACCURATE reporting. Please delete this account asap XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Credit Card , has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX. XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX. XXXX, XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

On XX/XX/XXXX I attempted to make a Cash deposit at WF drive thru, since the ATM is usually out of order. After quite the wait, I noticed that the very manager that has exercised complete disregard for the fact that I am the only Active member on this account for the past 10yrs, is still discriminating against me. When I stated to the window clerk that 'this is the only branch where I've had this problem '', she suggested the ATM, that usually isn't operating! Thankfully. I made the ATM deposit but was in disbelief of this managers constant behavior, as reflected in this report. 

On this date, XX/XX/XXXX, I attempted to deposit a check made directly to me in the sum of {$4600.00}. 
After much back-and-forth contemplation, the rude WF manager sent me to the bank of which check was drawn in order for them to sign. I did so, though it seemed quite unnecessary. 
It should be noted that not once did he smile, introduce himself, or be humanly kind to me in any way whatso-ever. Rather, he seemed to writhe with enjoyment of rejecting my deposit due to " bank rules ''. The slightest indication of any morals and integrity towards me would have made it into an understandable experience. Rather, I was treated as an illegitimate customer and criminal. For a kind, peaceful, smiling soul as myself this behavior was quite troubling coming from CUSTOMER SERVICE!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report.
Product: Money transfer, virtual currency, or money service

Dispute between XXXX, CashApp and XXXX. 

On XX/XX/year> I attempted to sell a pair of XXXX XXXX  on XXXX. 

Someone scammed me. The person 's username is @ XXXX and he said he wanted to buy the shoes. He had XXXX XXXX supposedly message me as I was having trouble accepting his offer. XXXX XXXX allegedly told me I needed to deposit {$200.00} to be a verified seller which I sent through Cash App from my XXXX account. They then said I needed to add {$490.00} and {$500.00} which I did. The texts as emails I received were all with officially branding and seemed legitimate. I then realized it was a scam when I contacted a friend. 

I reached out to XXXX first who is a great bank. They told me they would try and help but it was limited with with that they could do and that in total they charged me the {$500.00} twice plus the {$490.00} plus the the {$200.00} so a total of {$1600.00}. 

I reached out to Cash App to dispute the charges who refused. I asked them for proof of documentation as I am also disputing two other charges with them as I am a victim of identity theft. 

I reached out to XXXX as well who denied refunding the charges. Attached is all the paperwork showing this is a scam. This is not right. How am I out this amount of money while going through identity theft and not one of 3 companies is willing to help. All 3 need to be investigated. I have no trouble involving attorney 's if necessary. This is absurd.
Product: Checking or savings account

I am writing to seek your assistance in resolving an issue with Chime Financial regarding a referral bonus promised to me and my son. 

On XX/XX/year>, I created a Chime banking account after being referred by my son. Unfortunately, I was unaware that I should have used a referral link, and the app also did not alert me to this requirement prior to the initial account setup. Expecting to provide my sons information during the signup process, I noticed no option for this and promptly contacted Chimes customer service. 

During that call, I explained the situation and provided our details. I was assured by a representative that it was not an issue. They stated that my call and data was documented and that once both my son and I made the required deposits, the referral bonuses would be processed. Following this guidance, my son and I met the deposit requirements, and on XX/XX/year>, I called again to confirm. I was told the bonuses would be disbursed within a week. I relayed this information to my son. 

Three weeks later, when the bonuses were still unpaid, I contacted Chime again. A supervisor, identified only as XXXX, informed me that the previous representatives had given me incorrect information. He added that they would be punished for their mistakesa statement I found highly unprofessional. XXXX further stated that, since I had not used a referral link, neither my son nor I would receive the promised bonuses, despite the earlier assurances and the records of my calls. I sincerely hope that someone at a management level is able to review the phone call I had with this supervisor. 

This situation raises serious concerns about Chimes integrity and its handling of customer commitments. My son and I relied on the guidance provided by Chimes representatives when meeting the referral bonus requirements. Additionally, when I asked XXXX for the companys mailing address, he refused to provide it. When I then asked for the legal department 's contact information and mailing address, I was refused again. I find it unacceptable for a financial institution to deny customers access to such basic information. While I later found this data on the companys website, I question why I was refused this information in the first place. 

I request the FTCs assistance in compelling Chime to honor the referral bonuses they repeatedly assured us would be paid. Their handling of this matter has not only caused frustration but also undermined my confidence in their services. 

Thank you for your time and attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

The collector or JD Byrider also known as cnac auto finance also known as auto resources has been fraudulently reporting to my XXXX and well as XXXX. There have been several inaccuracies with the balance and dates. They are currently reporting this a an open account and I have not spoken to the original creditor by phone to discuss any payment options. This was just showing charge off. They are extremely sketchy. I had to freeze my credit because they kept making inquiries without my consent. I sent the original creditor collector a written affidavit requesting documentation and they advised they had none. Further more XXXX and XXXX should know better since there are several inaccuracies that dont make sense. I feel they are not practicing fair credit reporting and neither is the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, No Account #, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I have made SEVERAL attempts to contact this company about the name that is listed on an account! After basically being ignored I filed a XXXX complaint. Whomever responded to that complaint lies and said that I have never contacted them about this situation. Thats a lie. I will upload the screenshot! They accused me of having a relative named XXXX XXXX which I do not! Now quad allegedly ask you for the last XXXX of your social as a way of identifying you! If that is the case then there is no way they would have matched social to the name that they have listed. She made it seem as if I were trying to open an account which I was not. Their response was accusatory and disgusting. Especially considering that the responder lies about me not having contacted them.
Product: Credit reporting, credit repair services, or other personal consumer reports

We sold our house in XX/XX/XXXX, on the day that we closed I called to cancel our services at XXXX XXXX XXXX and was told there was a {$0.00} balance. In XX/XX/XXXX I received a notice saying they were sending us to collections for a bill of {$310.00}. After receiving this notice I called to pay our balance that I was unaware of before receiving the collections notice. I was told after giving my account number that there was no balance due. After being notified that there was in fact a balance due and it was sent to collections and had affected my credit score poorly I called again and paid the balance in full on XX/XX/XXXX. I am supposed to close on my house on the XX/XX/XXXX and they just now sent me to collections. This is affecting us being able to close on a house. We want this removed off of our credit report as soon as possible so we are able to move like we planned.
Product: Credit reporting or other personal consumer reports

I seen a lot of inquiries I did not authorize on all my credit bureaus!
Product: Mortgage

I took Martgage Loan from XXXX XXXX XXXX  ( XXXX ) in Feburary 2018. As per terms of of loan I should keep updated Insurance policy.Accordingly my contractor who is constructing the home took Certificate of Liability Insurance policy showing me as Insurance certificate holder. This policy was accepted by XXXX, the lender. 
In XX/XX/2018, the company under the name of Mr.Cooper purchased the mortgage loan from XXXX on the SAME TERMS & CONDITIONS. Their Loan # is XXXX. Mr. Cooper asked me to submit DECLARATION PAGE for the Insurance Policy, which I provided. 
Now they says that Mr. Cooper IS NOT REQUIRED TO ACCEPT the Insurance doucument as evidence of Insurance. They were claiming Insurance from me in their monthly bills even though they have the Insurance policy for the period. When I challenged them about this insurance amount they are charging ( Included in Escrow amount ) even though they have not purchased any Insurance policy on my behalf, they sent me a copy of insurance policy purchased on XX/XX/2018 BUT EFFECTIVE FROM XX/XX/18 ( BACK DATE ). Further this policy they purchaded in the name of privious lander ( XXXX  ) without informing them or me. Previous lander never claimed any premium from me for this policy. Mr. Cooper claimed $ XXXX for this policy, After the house was completed I purchased Home Insurance policy for a yearly premium of $ XXXX for the year ( as against their charge of $ XXXX ) This policy has been accepted by them. 
As They purchased my loan from previous lander ( XXXX  ) ON THE SAME TERMS & CONDITIONS, which include Insurance Policy accepted by previous lander, they have no right to change the terms of contract. 
It is requested to explain them to accept the previous policy & refund me the excess amount they charged. Their E-Mail address is XXXX OR XXXX. My loan account with Mr. cooper is XXXX, their postal address is Mr. Cooper, XXXX. XXXX XXXX, XXXX-TX-XXXX-XXXX  XXXX XXXX