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

During the Pandemic along with many others I filed for unemployment. At first I selected to have my funds sent to my account on Chime. When the second payment hit. They lock my account and told me it was due to fraud. my unemployment benefits hit my ChimeXXXXXXXX XXXX  account XXXX XXXX XXXX XXXX  in backpay in the amount of {$9300.00}. On the day of XX/XX/XXXX Chime froze my account with no warning. They question me on how I received the money, and even though after answering all their questions ; their own Representatives finding the source of the money for themselves ; proving identity several times, having my company write them an official letter. ChimeXXXX decided to close my account. And told me The only possible way for me to receive the money at this point is for XXXX to issue a Letter of Indemnity to XXXX. Keep in mind this is during the beginning of the pandemic and you couldnt get in contact with an agent at XXXX. I decide to call more higher up channels. So the officials I manage to talk ( The XXXX of XXXX ) I was told they dont issues such letters. That any letters that they are allowed to send us is already include in our back office. I understand that Chime used their right to close the account because of the cardholder agreement. However, I feel like the least they can do is send the money back to me since XXXX wont touch it.
Product: Debt collection

There is a collection on my report for an account I never signed for its clearly signed by XXXX XXXX not by XXXX XXXX XXXX. Although it has my name typed there I never signed this as a joint account. I have attached all supporting documents from the original agreement after speaking with the collection agency.
Product: Credit reporting or other personal consumer reports

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.
Product: Checking or savings account

XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, NY is defunct. Washington Mutual took over Dimes ' accounts. Washington Mutual is out of business. All accounts were transferred to JP Morgan Chase Bank. Chase check and does not have my account. On XX/XX/year>, I had on deposit, {$1000.00}. For years, I have made inquiries, the last one, Chase. I gave my SS number, and the account was not listed. By now the state or FDIC should have my money. I've checked NYS 's Unclaimed Funds and my name does not appear. 

Throughout the years, the banks have never notified me of the transfers or instructions. I had to get wind of closings by watching the evening news or word of mouth.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/ 2022 i found out that Capital One reported a 30 days late payment for the month of XXXX. I lost XXXX XXXX. They correct my credit history back but did not restore my points. In return I was denied of a HELOC Loan i had been approved for because my credit score is to low now
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an error on my Experian credit report on XX/XX/XXXX. They have a negative account from XXXX XXXX company listed on my report that has been paid in full since XX/XX/XXXX. I know for a fact the account is paid off and closed because the loan was for a car and XXXX XXXX sent me the title to the car last year in XXXX XXXX which has been sold in XX/XX/XXXX. 

The response to my dispute is that it would remain as negative information on there because the information was verified as accurate. That is incorrect information and it needs to be removed. Also, they have been reporting account information after XX/XX/XXXX that says the account is OK or has been paid monthly when there is nothing to pay on the account for over an entire year.
Product: Payday loan, title loan, or personal loan

I submitted a complaint in XX/XX/2019 XXXX and LendingClub did the same thing! 

Letter to LendingClub, uploaded same issue as before tried to pull from an account that I have ask them to never use/remove! To be safe I changed and you can see the screen shot is XXXX only!
Product: Credit card or prepaid card

I paid my balance in full using my debit card on XX/XX/2021. The transaction appears on my bank statement as completed but there is no record on the creditors end as receiving it as of XX/XX/2021. They have reported the account 30 days late to all three credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America permitted an account to be fraudulently opened with my maiden name, email address, date of birth, social security number, and a former residential address on XX/XX/2022. When questioned about how this was permitted, Bank of American claimed that they use XXXX as their authenticator and that I could place a security freeze with XXXX to prevent future fraudulent accounts from being opened. I had previously placed a XXXX security freeze on my information on XX/XX/2022. When I shared that with the Bank of America representative, she said that their system should not have permitted the account to be opened. Nonetheless, it did. Bank of America representative was able to close the fraudulent account, but did not provide any clear further actions that Bank of America would be taking to prevent a fraudulent account from being opened with my information in the future.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I called XXXXXXXX XXXX they first transferred me to XXXX XXXX  and XXXX said we not Collecting/ Canceled Collections!!! 
Then called XXXXXXXX XXXX  again, they then transferred me to XXXX XXXX and XXXX said we not Collecting Collections, we don't know why XXXXXXXX XXXX  transferred you to us!!! 
XXXX XXXX said send me a copy of XXXX XXXX Email and Fax it to US and we give it to XXXX XXXX to delete it from your account!!! HER NAME WAS XXXX!!! 
XXXX XXXX FAX # XXXX FILE # XXXX ATTEN : XXXX ( XXXX ) ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit with XXXX. The continue to report the status of the account as 60 days past due to 2 of the credit bureaus. This makes an account that is closed and paid in full report as an active delinquent account. they failed to report payments made after a missed payment which would have taken the account back to current status with the credit bureaus. They knowingly are doing this to keep this account delinquent seeing I closed the account after issues with their system accuracy. The account was never 60 days past due
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 22 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX 2 LATE PAYMENTS REPORT IS INNACCURATE UPDATE TO PAID AS AGREED LATE PAYMENTS ARE INNACCURATE
Product: Mortgage

I sent request for information, about payment, to Caliber Home Loan, and their lawyer XXXX and XXXX. I did not receive an acknowledgment of receipt as required by RESPA, furthermore they failed to respond within the required 30 days. I am attaching in .pdf format, A ) original request, B ) notice of 5 day RESPA violation, asking for explanation, C ) notice of 30 day failure to respond, in which, I ask for information requested be sent, without delay. 

I know for a fact Caliber received notice 's because they uploaded the original request in documentation as part of a response in complaint # XXXX to the CFPB, on XXXX/XXXX/16. 

Caliber Home Loans, continued arrogance, and blatant violation of rules, set forth by agencies of the US government are disturbing, troublesome, they should IMMEDIATELY, brought to the attention of regulators, and appropriate action should be taken, at once. 
.pdf # XXXX # XXXX # XXXX
Product: Debt collection

On XX/XX/XXXX I faxed a cease and desist letter to Diversified Consultants @ XXXX. The letter also states if any negative information is placed on my credit bureau reports by their agency after receipt of this notice, that this will cause me to file a lawsuit against Diversified Consultants. I requested that Diversified Consultant send me all the information I requested to validate this debt and they failed to do so. I requested quite a few things from Diversified Consultants and they failed to do so. There is 2 accounts that this collection agency is harassing me about REF # XXXX. 

Public Laws 95-109 and 99-361, also known as the FAIR DEBT COLLECTION PRACTICES ACT, that there services are no longer desired. 

I need signed documentation with my signature on it.
Product: Credit reporting or other personal consumer reports

In XXXX of 2024 I submitted XXXX complaints on XXXX because Fortiva the creditor was and still is violating my rights as a consumer. The CFPB helped get this account take off my credit report in XXXX or XXXX of this year. Now, a couple months later Fortiva has illegally put this back on my credit report dropping my credit from FAIR to POOR. Im a veteran of the XXXX  XXXX XXXX and 100 % service connected; trying to improve my credit to buy a house. This is impossible if companies like Fortiva keep violating my rights. Is legal recourse necessary?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request that the XXXX XXXX account with account number XXXX be removed from my credit report as soon as possible. This account was opened fraudulently, and I am a victim of identity theft. 

I have taken all necessary steps to report this fraudulent account to the relevant authorities, and I have provided them with all the necessary documentation
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. I request that my current address be updated accordingly. 




Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter due to the recent credit breach. My personal information was affected by the recent credit breach, your company has been placing obsolete, inaccurate information on my credit file. I am unaware of the inaccurate accounts and inquiries listed on my credit file. The letter is attached in the file below. I have file with the FTC, I have filed a police report against your companies, also filed a lawsuit against your companies for violating my rights, placing information on my credit without my consent, defrauding my credit file placing inaccurate accounts and inquiries on my credit file to compensate money for bad inquiries and accounts. Please be advised that this isnt a threat its the final goodwill letter.
Product: Credit card or prepaid card

On XX/XX/2021, I applied for the XXXX Chase card, I received a declination stating it was due to too many inquires, which multiple were in fact fraudulent inquires. I expressed my concern with XXXX XXXX to submitting my application. On XX/XX/2021 around XXXX I reached out to the reconsideration line and spoke with XXXX, who did not even probe my reasoning for requesting credit, neither accessing the fact that I have multiple accounts with you all and one being an auto loan that has never been late and in fact is paid consistently XXXX to XXXX  days prior to the schedule due date. He stated he would have to decline my application due to the XXXX XXXX account balance that has been closed with a {$350.00} on {$500.00} limit, although I did advise him that the balance was incorrect due to unauthorized transactions and currently being investigated and he couldn't forgive the inquiries because they weren't marked fraudulent, although he had to call me to verify my application for fraud. HE then advised me to contact XXXX regarding such. I deem this unfair due to the reason that I have exhibited exemplary behavior as a customer with regards to the products you all have issued me and the accounts on my credit report displays the same behavior in payment. Even more so when it comes to the XXXX credit card with the {$350.00} balance that has never been late and I've paid directly from my chase checking account and often times the full balance was paid and my bank statements will show that.
Product: Debt collection

National Credit Adjusters retained XXXX XXXX, and filed a civil suit against me for an old debt from 2018. I negotiated a settlement with them for {$2000.00} in exchange for dropping the suit and settling the matter in full. I received a confirmation letter of the agreement, and a paid in full letter from XXXX XXXX yet National Credit Adjusters refuses to update the credit bureau as settled in full, and is instead insisting in their reporting to the credit bureaus that I simply made a payment and still have a balance due. They refuse to work in good faith to correct this and are intentionally lying and negatively impacting my ability to obtain credit as a result. A quick look on their XXXX reviews shows a pattern of behavior that indicates this is a predatory business.
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 : 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 Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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: Debt collection

I was contacted by Navy Federal Credit Union regarding my brother XXXX XXXX because he has a debt with them. The Navy Federal Credit Union employee identified themselves and then asked if I could pass a message onto my brother XXXX XXXX. I told them no, and that I was not XXXX XXXX so they should contact him about this issue. She restated that she just wanted me to pass on a message to him, and I again politely told her no and that they can try to contact him directly. 

I then called Navy Federal Credit Union 's main extension and asked to be transferred to their collections department. I wanted to file a complaint so that there is a record with them that their employee contacted me and solicited me to do something that violates the FDCPA and the TCPA. Once I explained why I wanted to be transferred to that department the customer service representative refused to transfer my call.
Product: Mortgage

Our client was previously married with both him and his wife on note and mortgage. During the loan modification review process, we provided a quit claim deed along with dissolution of marriage awarding our client the house. Nationstar Mortgage provided a loan modification to our client with just his information, provided trial documentation to support just in his name, and when it came time to finalize the documentation, now wants all of the wife 's information. Our client/our office was very clear about the circumstances of the loan modification being in his name soley and were assured repeatedly and in writing, that it would not be an issue. After taking our client 's XXXX trial payments, they are now indicating that he will need to refinance to remove wife 's name.
Product: Debt collection

On the morning of XXXX XXXX, I was contacted by two men claiming to be with Conn 's XXXX, under phone # XXXX. Both men had very thick middle eastern accents and would not provide their names. The first man I spoke to stated an account had been opened using my name, DOB, and SSN, which he attempted to have me verify and I declined. He then said the account was under Invoice # XXXX and it had a balance of {$340.00} on it. He further stated the last payment received was {$50.00} on XX/XX/2022. 

On XX/XX/XXXX, I received the attached flyer in the mail concerning another Conn 's account, under invoice # XXXX, with the same exact amount owed, but under invoice # XXXX. I reached out again to Conn 's Fraud Department concerning this new attempt to steal my financial information and have not heard a response. Both accounts are fraud as all the accounts I've had with Conn 's are paid in full and closed as stated in my credit reports. I am seriously considering getting an attorney involved.
Product: Credit reporting or other personal consumer reports

I am currently reviewing my TransUnion Credit Report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : 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
Product: Debt collection

My complaint is we had four years with XXXX XXXX XXXX for mortgage and auto with no problems or complaint. I received a renewal notice indicating the double of what we were paying before, so we talked to a representative and indicated to cancel the policy. In a few days we bought another policy with a different company. Within 15 days we received a letter from XXXX XXXX XXXX saying we owed them money and send me to collections when I had paid in full and cancelled my policy
Product: Money transfer, virtual currency, or money service

Had problem trying to my money back from a few Transactions
Product: Credit card or prepaid card

In XXXX of 2013 I, with no credit history, unfortunately decided to apply for the Capital One Secured credit card. I was approved for a {$49.00} deposit for a {$200.00} credit line. I paid the {$49.00}. I was promised that my credit card would be reviewed every 5 months for UNSECURED credit line increases and the possibility of having my deposit refunded and my card becoming unsecured. During my over 4 years I have added money to this card to have a bigger credit line. Now my credit line is {$950.00}, all of which I have added myself. I HAVE NEVER MISSED A PAYMENT. I have called Capital One multiple time during all these years and asked them to unsecured my credit card and was told they do not unsecure their credit cards and I would have to apply for another credit card, which I do not want to do. So they lied to me about unsecuring their cards. I have been told that they review accounts every 5 months and I should receive something soon, but they wont let me talk to anyone, or give me any information I. These reviews. They scam people. Give them hope. And lie. If they review accounts every 5 months why havent I received anything? In four years, and 9 reviews and nothing! When my sister got her right away!! Also in the four years that I have had this card I have NEVER once received an unsecured credit line increase as I was promised. A current story. My sister applied for this card 11 months ago. In 5 months she went from a secured credit line of {$200.00}, and received and unsecured credit line increase of {$300.00} making her credit line {$500.00}, and in the 11th month Capital One refunded her {$200.00} and make her entire account unsecured. I was told multiple times they do not unsecure their cards! So what the XXXX! I have had this account for 4 years and 1 month and have NEVER received a credit line increase, as I was promised, or had my account unsecured and received my {$750.00} deposit back. This company is a fraud and they lie about what they do and what they can do. I either want my account unsecured and my deposit refunded to me, plus interest, an unsecured credit line increase, or close my account and get my refund, plus interest. This is rediculous! They defrauded me, and Im sure they are defrauding others! I cant even add money to this account anymore, because they have ended their deposit to accounts. I was also told they ended their deposit to secured accounts because they want to unsecure accounts and give credit line increases. None of which has happened. They need to be shut down! They defraud people. I have many real credit accounts with way more reputable banks, with very high limits that wouldnt do this to people. Something is wrong with this whole situation and needs to be addressed by the government ASAP! I have been an excellent card holder for 4 years and paid all payments and all interest and all fees I should have received something by now!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, and XXXX, XXXX, while I was trying to set up utilities for the townhouse I was moving into on XX/XX/XXXX, Equifax ERRONEOUSLY reported that I had HOLDs or ALERTS on my account to XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX and XXXX ( XXXX ) I verified with Equifax representative over the phone and online that THERE WERE NO HOLDS or ALERTS on my account. But she refused to get on the line with the utility companies to straighten this out. She said I should tell them to have their people call Equifax Business Assistance line. BUT SHE WOULD NOT TELL ME THE NUMBER SO I COULD TELL THE UTILITY COMPANIES. I COULD NOT FIGURE OUT WHAT ELSE I COULD DO. 
I faxed additional identification information to Equifax as requested but heard NOTHING FROM THEM.