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

Hello, my name is and this is for a claim back around XX/XX/XXXX. I purchased several pieces of furniture at a store about an hour away from my house in XXXX, Mississippi, at a place called the XXXX XXXX XXXX  This place is run by criminal employees and criminal managers who are XXXX  and apparently this case is being treated just the same. They employ people who are XXXX  at the state even the managers. I have been trying for XXXX months now to get funds back on a purchase that I made, which was never given to me. I've been promised several times by Chase that they would handle it as it is UNreceived merchandise THAT HAS BEEN RESOLD. I have asked several times and even had an excutive who was less than thorough giving only about XXXX minutes of her attention a week and after several times explaining how the store kept being closed that the movers i paid on the days they told me they would be open, still had to be paid even thiugh the store was closed several weeks I pleaded for someone to return my call several times to no avail. NOBODY called me back. 
Between this and the several banking issues I had the month prior I feel though as this is a personal attack especially after the denial on my purchase to the same places i use on a regular basis, the rejected transactions from bank deposits that should have occurred, The strange UNKNOWN changes in my address on file that after I Had this fixed then caused another problem. And dont even get me started on the card cutoffs all of the sudden month and last few month before. 
I feel this should all have been handled better and that I shouldnt have been lied to when they said they would handle this properly, as I am out of {$400.00} and change thanks to a Great deal of negligence and strange back room talk and messages that were put on file for others like Dont help this customer with anything or talk to the customer or help them have them only talk with XXXX at chase corporate the excutive officer not the front desk lady. 

Its just an assumption but I got the feeling she did not want people knowing and was dragging this simple debit claim out intentionally, which is UNRECIEVED MERCHANDISE. Here is to still having hope some one will hear my cry after 4 months as {$400.00} is alot and money is very tight since covid. 
Please feel free to reach out to me at my business number. I will try to be readily available to reciever your call
Product: Credit card or prepaid card

Bank of America XXXX of 2017, my now XXXX XXXX used my personal only under my social security number with a secret code and instructions to bank to only use after in person showed XXXX types of ID license, military ID card, and BOA card was used to cancel my plane ticket to Hawaii, and used fraudulently 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I additionally was charged by the XXXX XXXX XXXX XXXX and cab fares from a company in XXXX, and other 's. The airfare was on XXXX XXXX. I notified XXXX XXXX XXXX  XXXX and Police of the child abduction as well as calling in a XXXX XXXX in NY and filed an IA report against the police who did not follow the law regarding parental abduction. The total direct fraud was over {$3800.00} subsequent and prior fraud due to witnessed alleged XXXX XXXX equalled over {$7000.00}. The same person in the divorce proceeding stated he did not have access to the card number nor total while under oath. I contacted BOA to no avail. in 2017 XXXX. A FBI investigation is still awaiting an agent per my response to DOJ for not following up by the FBI in a timely lawful manner. I have a credit consolidation but will not include the fraud, it is stopping me from clearing my once XXXX credit. I was XXXX  due to all the perjury and fraud, mostly due to XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've held my XXXX XXXX card account uninterruptedly since 1982, as is evidenced on the front of my current XXXX card. I've had a continuously solid payment history with XXXX for over 38 years. My XXXX card recently changed from a XXXX  card to a XXXX XXXX XXXX card, but my length of continuous credit with XXXX XXXX remains at 38+ years. The problem is, my current credit report lists my " Length of Credit History '' as only 14 years ( that is the length of time I've held my 2nd-oldest card, a Visa through XXXX XXXX XXXX XXXX ). This erroneously-shortened length of credit history is having a negative impact on my credit score, lowering it by several dozen points. Please correct my length of credit history to reflect all my years of solid credit with XXXX XXXX. Thank you!
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I logged into my moneylion account to find that I had a XXXX balance which was XXXX  seeing as I didn't have a debit card the only info I receive is via the app or email. I contacted supporting filed XXXX disputes for fraudulent charges, was never offered a temporary provison/credit. 

XXXX after speaking with a tax specialist who's former position was in banking fraud/prevention for roughly 30 years I was told I should have been offered the provisional credit to call back which I did. I told the representative that I received no correspondence to the disputes and was never sent an email of confirmation. She replied that it had been sent to the email XXXX, this email was compromised and I did not have access to it which was explained during the initial dispute and I didn't t understand why with fraudulent charges on the account they would send follow up emails to the same email when a secure one was provided. The total amount of the charges were over XXXX dollars I then tried to change the email over the phone following their procedure when the representative said the photo was XXXX  and disconnected the call, XXXX  I woke up to all the disputes closed and not approved which to me hasn't sat right. After some consultation and trying to get in touch with the company only to be hung up on. I then went on the FTC website and filed a complaint with them Referrance # XXXX I then came here to file a complaint as well.
Product: Debt collection

Midland Credit management sued me around XX/XX/2021 for a debt of XXXX, after I received their letter to sue me I called their lawyer XXXX XXXX XXXX to arrange payments. They then tacked on interest, fees, and legal fees to the debt which is now XXXX and are now trying to garnish my wages through filing a suit through the local sheriffs office. I don't understand why I have to pay for their motives and not settle this matter with me instead of garnishing my wages
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to address inaccurate and mixed information that has been mistakenly added to my credit report. There are accounts appearing that do not belong to me, likely due to a mix-up with someone elses profile. This error is not only damaging my credit standing but also raising serious concerns, especially as I deal with issues related to fraud and identity theft. This situation is a clear violation of my rights as a consumer and is unfairly impacting my financial reputation.
Product: Checking or savings account

I started receiving emails about a Chime card that was mailed to me on XX/XX/XXXX and congratulated me on opening a new checking account. I did not open an account with them nor register email address or anything else. I was receiving the emails from Chime to an old email address that was set to forward all emails to my new email account. At first I thought it was scam emails but after receiving more email and researching Chime I realized this was a common issue with Chime. 

When I sent an email to Chime to inquire on the account and how to close it, I forwarded the email that was sent to me however my email to them was coming from my new email account. They refused to assist because I was not emailing from the same account. 

I received an email from Chime that my checking account successfully paid another email account which I did not recognize. 

Upon calling them I was not able to get through because the phone number for the account is required when calling and my phone number did not match. I was able to finally get through a different extension and it was confirmed that a Chime account in my previous married name and old email account was setup and it included my full social security # on XX/XX/XXXX. 

Chime informed me that they would close the account and that I would not be responsible for any charges or any activity and it would also not be reported to the credit bureau.
Product: Credit card or prepaid card

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This company is currently showing 30 and 60 days late. I have read enough to understand my rights. The Bureaus are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Product: Credit reporting or other personal consumer reports

I respectfully request your assistance in resolving an error on my TransUnion credit report. A loan appears under my name that I never obtained. Trans Union is attributing this delinquent loan to me and I would like it removed. I never took out this loan that Trans union claims I opened an account for on XX/XX/2022 which was closed on XX/XX/2022 for the amount of {$190.00} with an ending balance of {$280.00} for SALARIES AND EXPENSES. It is showing a partial account number of XXXX for an Individual Account. I never sought a loan, I never signed for a loan, I never agreed to a loan, I never agreed to repay a loan. I never opened or closed this supposed account. I have asked Trans Union to provide proof that I took this loan out. They have not provided the proof, yet they have not removed this erroneous information. How can I get them to remove this information that is not accurate? ( You can publish this. I do not think anyone will be able to identify me from this )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to TransUnion was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$740.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : {$440.00}
Product: Credit reporting or other personal consumer reports

I requested that all old addresses be removed from my credit report because of inaccuracies. None of the old addresses were removed per my request.
Product: Mortgage

Our firm, XXXX XXXX, has been monitoring our client 's request for mortgage assistance with Seterus to ensure its compliance with Regulation X and other pertinent servicing guides. This is the third CFPB complaint we have had to file in connection with this client. After a year of back and forth Notices of Error, Seterus finally initiated a proper evaluation of our client 's loss mitigation application for the HAMP modification program. Subsequently, our client was offered a Trial Period Plan that was to begin in XXXX 2016 and the last Trial payment would be made in XXXX 2016. 
Now that our client has completed the Trial Period Plan, Seterus 's counsel in the pending foreclosure has sent us a Home Affordable Modification Agreement to be executed, which states the first modified payment is due XXXX XXXX, 2016. According to investor ( XXXX ) guidelines, if the servicer elects to make the 1st modified payment due the 1st day of the second month following the end of the Trial Period Plan, the Borrower is not responsible for making a payment during the interim month, which in this case would be XXXX. When we contacted Seterus regarding the XXXX and XXXX payment, the representative did not disclose that information. Moreover, the representative instructed us to tell the Borrower to make the XXXX and XXXX payment as if XXXX was required. We believe that is an error and a false and deceptive statement. 
Additionally, the Home Affordable Modification Agreement contained a provision that was not authorized by XXXX. The provision at issue is XXXX. and states the following : " Any and all attorneys fees and legal costs incurred by Borrower or its representatives, with respect to this loan, will be the sole responsibility of the Borrower. '' Pursuant to the XXXX XXXX XXXX published on XXXX XXXX, 2016, the agreement was ONLY to be revised according to the terms provided by XXXX. The provision added by Seterus and/or its counsel was not authorized by XXXX and should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like im being taken for a ride and my disputes are being ignored. Section 611 ( a ). it is clearly stated that failure to investigate these items within 30 days gives a reason to have those items immediately removed from my credit report, it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the tension you caused me.
Product: Credit reporting or other personal consumer reports

These late payments are not consistent with my typical payment behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report showing a collection from a company that about a balance that i never had with them..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent Equifax a request challenge the accuracy, compliance and reportability of listing XXXX Acct # XXXX. This account does not belong to me. 
Asked to validate this information with XXXX and provide me with copies of any documentation associated with this account, bearing my signature. My letter was received by their Equifax Representative and picked up at the USPS post office on XX/XX/2021, tracking # XXXX XXXX XXXX XXXX signed by XXXX XXXX XXXX. 

Today, XX/XX/2021 I did not receive any response from Equifax that they are working on my XX/XX/XXXX letter. I have sent another letter to Equifax for 30 day Non-Response to my request. I am being completely ignored for what they are reporting on my credit file. XXXX  XXXX was not able to substantiate XXXX account in their file therefore was deleted on XX/XX/2021. I have enclosed and uploaded all letters, USPS delivery signatures and XXXX  XXXX deletion letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to dispute the inaccurate information on my credit report that has negatively impacted my life. Specifically, I am disputing the information reported by XXXXXXXX XXXX XXXX ( account number XXXX ) that states I was 60 days late on XX/XX/XXXX when I did not miss any payments on the account. 

These inaccurate reports have caused me significant emotional distress and have made it difficult for me to obtain credit and loans at reasonable rates. Despite disputing the inaccurate information with the credit reporting agencies ( CRAs ), no action has been taken to correct the errors. 

I believe that these actions by XXXX XXXX XXXX and the CRAs violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). Specifically, I believe that the following sections have been violated : Section 607 ( a ) of the FCRA, which requires that CRAs maintain reasonable procedures to ensure the accuracy of the information in consumer reports. The inaccurate reporting by XXXX XXXX XXXX could be seen as a violation of this section. 

Section 623 ( a ) ( 2 ) of the FCRA, which requires that CRAs promptly investigate disputes filed by consumers about the accuracy of their credit reports. Despite disputing the inaccurate information, no action has been taken to investigate and correct the errors, which could be seen as a violation of this section.

Section 623 ( b ) of the FCRA, which requires that CRAs provide consumers with a free copy of their credit report once every 12 months upon request. Despite requesting a free copy of my credit report, the CRAs failed to provide me with one, which could be seen as a violation of this section.

Section 312 of FACTA, which requires that creditors and financial institutions implement procedures to detect and prevent identity theft. If the creditor failed to implement adequate procedures to prevent the inaccurate reporting of your credit information or to prevent identity theft, this could be seen as a violation of this section.

In addition to these violations, I would like to share how these inaccuracies have affected my life. I have been denied loans and credit cards due to the inaccurate information, and have been forced to pay higher interest rates and fees. This has caused significant financial strain and stress, and has made it difficult for me to achieve my financial goals. 

Therefore, I am requesting thaXXXX XXXX XXXX XXXX  remove the unverified account from my credit report, and that the CRAs promptly investigate and correct the inaccurate information. I believe that enforcement of the legal requirements is necessary to ensure that creditors and CRAs accurately report credit information and protect the rights of consumers. 

Thank you for your attention to this matter. 

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

Inquiries : XX/XX/XXXX - XXXX XX/XX/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 - XXXX Accounts : XXXX, {$1000.00} XXXX XXXX  XXXX, {$890.00} XXXX XXXX XXXX, {$920.00} I looked at my credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

AND according to 15 USC 1681XXXX they are suppose to 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: Checking or savings account

Cash app " powered by XXXXXXXX XXXX  '' has claimed they had some technical issues that caued an issue with my account. I was never notified of the issue. I made purchases in between the dates of XX/XX/XXXX and XXXX XXXX. I do not know how many of these purchases are affected by their " techincal issue ''. So far roughly {$150.00} has been taken out of my account for " updated charges ''. The funds were taken on the day I made purchases and holds were also placed on my account which took about 3 months to go back onto my card. 
Again, I have no idea how many transactions are affected and Cash app has not and will not provide any information to back their claims. I do see that Cash App canceled payments but I do not know when and the amounts are not the same amounts. 
I am classified as extremely low income, the {$150.00} they have taken has caused great issues for my family. I do not know what else to do because Cash App continues to claim they can do this and that their accounting is correct. Again, I do not know how many times or how many transactions were canceled and how much more money they will take from my account, I dont know when this will stop.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. these remarks have been detrimental to my life and credit health.
Product: Credit card or prepaid card

Capital One first contacted me in XXXX XXXX about an account I had opened in XXXX in my name. I later added my husband, and another name, to delegate expenses. Every thing smoothly paid bills on time, had built up over XXXX points. I got a letter in XXXX XXXX, saying my card had a co-applicant which they needed a social security number for as a business account. I called and explained to them that the second name was not a person or a business, but a way I had of delegating expenses on my account. I called again in XXXX XXXX, to verify things and told them again, the co-applicant was not a person or a business, so therefore it had no ss number, just to remove the name, and leave it in my name. They said fine and issued me XXXX new cards, XXXX in my name, the other in the non-oersons name, so I thought the problem was solved. I learned today when I tried to use both cards, XXXX XXXX XXXX, XXXX XXXX my account had been shut down. I called and they said I would have to open a new account, that they had sent me letters on XXXX XXXX, and XXXX XXXX ( which I never receiced either ) and they had taken my hard earned points away, and were giving me a cash credit I asked them to send me copies of the so called letters they had sent, and they were not sure they could locate them. They have my email, my phone number, my mailing address, they are linking this to the XXXX XXXX XXXX, which I understand completely has certain requirements for banks. However, the account has been opened since XXXX, and I have never had a late payment, and I suspect they are trying to close old accounts and talk the customer into opening new more expensive accounts. They say I have no recourse although I called in XXXX and XXXX and answered their questions. I mainly hate to lose my XXXX miles which go away when they arbitrarily close the account, and they say I have no recourse short of accepting a cash payment of XXXX after spending XXXX dollars with them over the years. I have never used my points, just letting them accumulate. Paid my account in full at the end of the month, and a small fee of XXXX yearly to Capital One.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan on XX/XX/2024 I was denied by Transform Credit, when I opened the account they said the XXXX XXXX monthly payment was going to be applied to the loan but I wasn't granted a loan and I didn't sign up for credit services. After the loan was denied I asked that my account be deleted they said that takes 2 weeks but charged my card 30 days later when I asked to leave the program on the same day I was denied which was XX/XX/XXXX and I have evidence of that as well.