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

I contacted Chime customer support on Sunday, XX/XX/XXXX, regarding this issue and the agent responded that it was of serious nature and would contact XXXX to fix it. I have not heard back from Chime and my XXXX account portal reflects the same old information. 


Chime Financial Attention : Corporate Office XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Failure to ReporXXXX XXXX XXXX XXXX XXXX Credit Card to XXXX To Whom It May Concern, I am writing to express my extreme frustration and anger regarding a critical issue with Chime 's XXXX XXXX XXXX XXXX Credit Card. Several users, including myself, have noticed that Chime has failed to report our XXXX XXXX card activity to XXXX since XX/XX/year>. This issue has persisted for months with no resolution in sight. 

Despite Chime 's claim that the XXXX XXXX card reports to all three major credit bureaus, it is evident that only XXXX and XXXX are receiving updates. This blatant discrepancy is negatively impacting our credit scores and defeating the purpose of using your product to rebuild our credit. 

We, the affected customers, are in a state of disbelief and frustration due to the lack of updates on our credit reports with XXXX. Payments made and balances maintained are not being reflected accurately, which is causing significant harm to our credit profiles. Furthermore, our attempts to dispute this with XXXX have resulted in responses from Chime stating that the information is up to date when it clearly is not. We have substantial proof, including screenshots, demonstrating that Chime is acting negligently and maliciously. 

Your failure to report accurately to XXXX constitutes false advertising, as your product does not fulfill its stated purpose. Moreover, this negligence is a violation of the Fair Credit Reporting Act. Ignoring these issues and silencing customer complaints by deleting or hiding comments is unacceptable and unlawful. 

If this matter is not addressed immediately by your corporate office, we, the customers, are prepared to take legal action, including filing a class action lawsuit. We are in communication with each other and will not hesitate to pursue all legal avenues available to us. You have a legal obligation and duty to rectify these errors on our credit reports without delay.
Product: Payday loan, title loan, personal loan, or advance loan

I filed a complaint over the phone with EnFin on XX/XX/year> about them paying our solar company on XX/XX/year> when the job wasn't finished. On XX/XX/year> I called EnFin back to let them know that I had a voice recording of a conversation that we had with the owner of the solar company that very day, proving that our system is not finished. After meeting with an attorney on XX/XX/year> I called EnFin Financial again trying to figure out why I was being charged interest on a loan that shouldn't have been paid out. Nobody would help me. In the hour that I was on the phone. I was transferred to 4 or 5 different ppl telling me that I needed to be transferred to the loan department. I was given the loan departments direct number, which was the number that I called that day to begin with. The last lady that I talked to who once again transferred me to the " loan department '' which is where i was supposed to be every time they transferred me, told me that they don't know that my system isn't finished. basically saying that it's my word against theirs. Even though I sent them proof XX/XX/year>. Nobody from EnFin has reached out to me regarding my concerns or proof. EnFin paying out the solar company without verifying through XXXX XXXX XXXX XXXX is their problem and I shouldn't have to pay the accruing interest or make any payments since the loan should STILL not have been paid out.
Product: Checking or savings account

On XX/XX/XXXX I submitted claim # XXXX in the amount of {$510.00} for a purchase made on XX/XX/XXXX for a hotel stay in XXXX that was scheduled for XXXX of XXXX. Due to the unforseen global pandemic XXXX has shut its borders and we are unable to travel to the country. I've reached out to the merchant countless times regarding a refund and have been unsuccessful. Chase has closed my claim and sent me a letter that says the transaction was processed correctly or was authorized. I called Chase claims department for further explanation as the letter states and was told that the claim is outside of the 120 day window. However, they are making exceptions for claims related to covid-19. I ironically received this response after submitting a previous claim with the CFPB in regard to Chase closing my account without notice. After receiving a response from the bank claiming they can close accounts at their discretion I received this letter claiming the cahrge was authorized. Yes, I authorized the charge I expected to travel to XXXX but I did not expect a global pandemic and for the country to close its borders and keep them closed. I would like to receive a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to Equifax certified mail and after 45 day I have not received a response from credit bureau.
Product: Bank account or service

I opened a Citibank Account Bank Checking account with a {$400.00} bonus promotion offered if I deposited {$15000.00} within 30 days of account opening. I met these requirements, I opened the account on XXXX/XXXX/XXXX. {$15000.00} was deposited into the account by XXXX/XXXX/XXXX. I should have received the {$400.00} bonus by XXXX/XXXX/XXXX according to online customer support. I never received the {$400.00} bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion negligence insure the accuracy of my consumer report has caused me a great deal of emotional distress and a master of trouble to clean up on my own. I have reached out to Transunion in writing for 2 years straight trying to get this matter dissolved the company refuse to comply by my demands and request to the extent that they have not comply by the federal statues and codes stated in my letters. Transunion have not made any effort to clean the delinquency account from my consumer report belonging to XXXX XXXX. Transunion continues to report the transactions between me and financial institutions that does not belong on consumer reports. Transunion has defamed my character and reported inaccurate information. Transunion has not abide by the federal statues that apply to reporting and insuring the accuracy of consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Porsche financial/XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for Purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

It pays my attention that the following accounts are inaccurate. I am a consumer by law. I am not happy about what I saw. This hurt my credentials as a consumer. I am not aware from those account. Here are the listed details of the account with discrepancies : XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX we filed for Chapter XXXX bankruptcy our current mortgage was withIndymac bank. Current mortgage loan was discharged and loan was sold to Ocwen mortgage in XXXX we made mortgage payments to Ocwen for 7 years. InXXXX XXXX we wanted to refinance our loan because property value wentup and we wanted to fix up our home. Shortly after there was no loan under arename and no original mortgage note could be provided. Spoke with Ocwenmanagement and everyone gave us the run around and told us our loan doesnot exist. I asked Ocwen management why were they taking our mortgagepayments and they replied to me " why was I paying them '' soon after I fileda R.E.S.P.A QUALIFIED WRITTEN REQUEST in XXXX XXXX. Ocwensubmitted documents but we are still missing XXXX items out of XXXX. We recentlyreceived a letter from XXXX that they are our new mortgage holders. Ocwenhas not complied with the R.E.S.P.A QUALIFIED WRITTEN REQUEST andloan was sold to XXXX in XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) is mailed or delivered to the consumer not later than 21 days before the payment due date. TD Bank USA/Target Account closed on XX/XX/year>, All late payments on this account started when the XXXX pandemic started. I did not receive any notification for payment. I would like for you to remove these account off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

We sold our home and paid the full amount of the mortgage to Newrez Mortgage Servicing {$120000.00} on XX/XX/23 via wire transfer from the closing attorney. It has been over 30 days and the account is still being reported actively open and late. I called Newrez on XX/XX/23 and advised them that they legally have to report my credit accurately every 30 days, but was advised by their loan servicing department that they will report my account paid in full at 60 days after the loan was paid off in full from XX/XX/23.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company - without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit card or prepaid card

I was forced to keep an account that I didnt open and also received hundreds of dollars in overdraft fees and other interest and fees
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain entries on my credit report as I am a victim of identity theft. According to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and under 15 U.S.C. 1681c-2 ( a ), I am requesting that the following accounts and inquiries be permanently blocked and deleted from my credit report. 
The fraudulent accounts are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I was affected by hurricane ida, my family & I lost everything, including my job that was also closed due to damages from this natural disaster. Only relief I was offered was to take one payment off the front my loan and send it to the back of the payments, however due to being evacuated in a different state I wasnt able to make it to sign the paper so instead they made my account negative which tremendously affected my credit. After speaking with advisers and also doing my own research Ive heard about and insurance that should cover my loan Theyre saying i didnt have enough collateral for your secured loan. Its THEIR job to get enough collateral. I shouldnt be responsible for ANYTHING after Ida. My loan shouldve be paid off, I fell as if They increase whats called their outstanding by increasing loan limits after I pay well on your first loan. As they increase my loan, they got lazy. They wanted to hurry up and close the loan and get you out the door before i can question my payback. In doing so, they didnt update my collateral to secure their own interest. So instead the office taking the hit for being lazy, they make the customer pay for their laziness. I feel as if and injustice has been done on my behalf and most likely countless others. This hurricane destroyed my property as seen in pictures below
Product: Vehicle loan or lease

I had a loan with Capital One Auto Finance for a XXXX XXXX XXXX. It had been repossessed once and I got it out within the same week that it was repossessed. That was several years ago. 
I then tried to trade the car in for a new car and was told that it had been charged off and that the charge-off was on my credit report. I was never told that the car was charged off and for several years had been paying a car note in excess of {$500.00} of which none of my payments were being recorded on my credit report. 
The car was eventually repossessed in XXXX ( which I thought at the time was against the law due to the pandemic ). At that time they requested a payment of {$5000.00} to get the car back. I was unable to pay that amount and consequently have been without transportation since that time. 
My question is this : How can a loan company charge-off a vehicle for {$20000.00} ( without notifying the client of the charge-off ) and then continue to harass the client for payments for years afterward? Then the finance company repossesses the car ( that is already paid-off ) and then gets to resell the car and I still owe for the car. That seems like triple jeopardy for me and the finance company gets paid XXXX times over for the same vehicle. 
I wonder how many consumers have experienced this tactic from Capital One Auto Finance or other predatory loaners like them? i am sure that I am not the only person who has been victimized by these practices and exactly how much money do these lenders make off of one car?
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I am writing to file a complaint about BB & T Bank. I recently received a Retail Statement of Credit Denial letter dated XXXX XXXX, 2015, from BB & T Bank. However, at no point did I ever fill out a credit application with them, nor did I ever give them my consent, implicit or explicit, nor was I ever contacted by BB & T for my consent prior to BB & T running a full fledged credit inquiry about me.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX has made false statements and causing harm to my personal reputation which is a defamation of character.
Product: Credit reporting or other personal consumer reports

Received a letter asking me to remove my credit report freeze from Comenity Capital Bank, XXXX XXXX XXXX, XXXX OH XXXX. They want me to do this in connection with an application for a XXXX XXXX Credit Card which I did not apply for. Looked at FDIC website and they don't report this bank as existing. Instructions in letter say to call them at XXXX once I have removed the freeze so they can continue processing. I have not and will not remove but hoping to help others not fall into their trap.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX  Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which 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 EQUIFAX : 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX - XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting

This agency is reporting an account that is unverifiable and very old past the statute of limitations. Several disputes processed and a request to validate directly to this company with never a single response. How is Equifax able to verify when I ca n't and its on my credit file? I want this removed as it is a remark violating my rights.
Product: Debt collection

LAst week, I was contacted by the debt collector virtuoso sourcing RE : a debt with XXXX XXXX in an amount of approximately {$54.00}. this debt was tied to a gas bill. The gas bill was paid directly with XXXX XXXX Upon interrogation, I informed the debt collector that the debt was paid and it was best they communicate with the company for further confirmation. The debt collector wanted to extract more information from me, upon which I informed them I would not be updating or confirming any information and revoked any further phone contact. I have received calls on XX/XX/XXXX ( which I didn't answer ) and XX/XX/XXXX. Upon speaking to the representative, I informed them that I previously revoked permission to communicate with me via phone. The representative told me that I did not revoke permission and continued to interrogate me for new information and payment. I informed the representative that payment has been made to the company and any further communication should be with them, as I revoked permission to call me. The representative continued to make me pay her or prove that I didn't owe. I escalated the call to a supervisor who piggybacked these sentiments initially. I then informed her she was actively commiting a CFPB violation to which she apologized, said I would be added to the do not call list, yet still insisted I make a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XX/XX/19 {$79.00} XX/XX/19 overdraft fee {$35.00} I disputed the amount {$79.00} Because Wells Fargo authorize payment to att when my account was already overdrawn as well as assessed a overdraft fee for the occurrence. When I filed a dispute Wells Fargo denied it stating that it was a reoccurring payment so that is why funds were released I kept telling them this is not a reoccurring payment this item does not come out at the same time every month it is a one time  debit transaction which mean if there are no funds it gets declined they did not go according to there policy and when it was time to investigate they did not do their part either The photo attached show that they declined the transaction on XX/XX/19 than on XX/XX/19 they approved the transaction while the my balance still reflected the same amount was in overdrawn status and when Wells Fargo refers to my previous payments they were all ACH payment this one was not so it should not have been touched