23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my XXXX XXXX : XXXX-Date of inquiry XXXX/XXXX/2021
Product: Credit reporting or other personal consumer reports

UNAUTHORIZED INQUIRIES XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX INACCURATE INFORMATION XXXX No balances with Conns. It states I owe {$1600.00}
Product: Mortgage

I was shopping for a first mortgage and I came across Amerisave on  XXXX. I am currently in the process of a refinance so I thought I would compare pricing. I filled out the information except for SSN etc because I did not want my credit pulled while in the middle of a mortgage process. I told XXXX XXXX knew my debt ratio, my value, my 3 credit scores and the LTV I wanted for cash out. She refused to tell me what the rate could be, but insisted on finishing the application, pulling my credit can collecting a XXXX dollar NON REFUNDABLE "  good faith '' fee she called it. She said it was to insure I do not drop off the face of the earth after we start the application. After asking if this was necessary, she insisted it was to get a rate quote. I knew this was a violation of DODD Frank and it reminded me of the days of Ameriquest and XXXX. After resisting her aggressive demeanor to collect the XXXX dollars and pull my credit, I just hung up. 

I proceeded to give her another chance and emailed her again on XX/XX/2020 to resolve this issue and just get a quote without collecting a fee or pulling my credit. I even asked her to check her rate sheets with the information provided. 
She stated she would not do that and that she had other people to help instead. 

Why would I have to pay a non refundable fee to see what my rate could be? Never asked her to lock in a rate just a basic quote with the information provided. I had the the LTV, DTI, credit scores and that it was a primary cash out refinance. She had all the information she needed to check the rate sheets but refused unless I " paid to play ''.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my updated credit report, I have seen incorrect and misleading information that your company is currently reporting. According to my records, you have shared incorrect information about me which is a violation of my privacy rights. 

This information should not have been shared without my express permission. 

-- -- XXXX XXXX -- - XXXX XXXX XXXX XXXX XXXXXXXX -- -- XXXX -- -- - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- -- -Equifax -- -- - XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

Wire transfer on XX/XX/XXXX from CitiBank to XXXX Bank XXXX XXXX and due to account error, modified on XX/XX/XXXX. The recipient did not receive the fund so i contacted XXXX relationship manager ( we were XXXX travelling ) and got an email which was wrong information from Citibank wire dept. that we have until XX/XX/XXXX to modify. on XX/XX/XXXX back to USA and contacted Citibank Wire Dept. and service rep named XXXX told me that the fund already transferred back to Citibank and it will take 7 days to credit back to my account. Wrote an email to the relationship manager who provided the wrong data and said she was temporary helped out while our representative is on vacation. Also told me that she will investigate this case and get back with me. no words from her. patiently waited til XX/XX/XXXX ( as 7 days waiting time from the wire dept ). On XX/XX/XXXX still had no fund deposit back then call Wire Dept again, this time a service rep named XXXX told me that yes the money is sitting in Citibank and will check the status and get back to me. No words from XXXX. Call XXXX ( the temp relationship manager ) and asked her to help. she sent an email to me and said Wire Dept is working on it and needs at least one to two days to deposit the fund back. Asked us to wait til Monday. Today Monday XX/XX/XXXX. Still don't have the fund, called and send email to XXXX asked for status, got an email from her and said needed 2 more days???? I do not understand what is the issue here. All i want is my own money credit back to my account. Is this that hard?? This is a fund of over XXXX and it is sitting in bankCitiBank but it is my money. doesn't seems like i am able to get an answer from anyone as to WHEN can i expect my own money, How can they treat their VIP customer this way. Do not promise something if can not deliver. I need my money back please. Oh, i can not even get a manager to return my call!! Citi, you have a very upset customer here. I need to know when PLEASE!
Product: Checking or savings account

Somebody gained access into my XXXX account where I had my current bank card linked to. Whoever that person was sent money to an unknown receiver totaling {$1800.00}. I attempted disputing through XXXX who told me to dispute through my bank. So I filed a dispute for all these transactions XX/XX/XXXX. A couple weeks later I received a response from them declining to recover {$1400.00}. Although this is fraud, I cancelled both XXXX  and current debit cards and had replacements sent. They refuse to resolve the theft. And after the 90 days has passed, there still remains {$460.00} worth of charges waiting for resolution. I would like to dispute their determination of the first set of charges, and press charges for theft and fraud on whoever received these funds. As well as receive my response about the " unresolved '' set of transactions. I've gone through the only resources available to me to recover these unauthorized transactions. Between XXXX and current they should be able to determine the amount this money was sent to and you would think they could reverse these transactions to get my money back. How can I be denied the right to recover my money that was stolen from me by these banks that desperately need this money back. This entire situation has completely shattered my entire financial well-being. Caused me to be evicted from my house, and put me so far behind on bills that my power and water have been disconnected because of this theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureau to do A verification of everything on your credit report and they did they stated that everything was accurate and I did a thorough research myself and found improper inaccuracies use on the credit report. Even after they did the research. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX THE XXXX XXXX XXXX XXXX XXXX XXXXE # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # 151G accordance to the fair credit reporting act conversion account is violating my rights. They are 15 U.S.C 1681 section 6028 states that I have the right to privacy.

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

Transunion has locked me out of my online account, so i can't freeze and unfreeze my credit without calling them, which takes XXXX minutes on-hold each time. I've repeatedly attempted to escalate this issue with them, and every time I'm told i'll hear back from them, and i never do. This has been going on for more than a year. I keep my credit files frozen unless I need to use them, and transunion has made it incredibly difficult to do so by forcing me to use their antiquated and understaffed phone service. They've offered no reasonable path to fix my account, and have repeatedly promised to escalate the issue without any resolution.
Product: Credit reporting or other personal consumer reports

The credit card they opened was never applied for and requested to be opened by me. This is due to identity theft I tried working with them and they will not work with me to get this taken care of. I am seeking an attorney to sue this company for not complying with the FDCPA and the FCRA. I am also asking that the CFPB action against this company
Product: Credit card

I have an issue with payments being issued to the account properly. On occasions representatives have keyed in incorrect account numbers as well as payment being made to Capital One directly to the branch offices and incorrect credited to the account. During several occasions I have asked for the payment investigation dept and was sent to the incorrect dept 's with rep 's out of my country while I was specifically as for someone in my own country as I have experienced issues with rep 's from outside USA have contributed to alot of these errors. On XXXX XXXX, 2015 I was to have a call scheduled to contact the institutions that were the issuer of the payments, XXXX came and passed and no one contacted so approx at XXXX I reached out to the credit card company Capital One only to be placed on an extensive hold with gaining no resolution ; I was sent to foreign countries with hold 's and disconnected. At approx XXXX I reached out to Capital One to try and get someone within the dept ; whom the day prior stated she would note and have a call back at XXXX on XXXX XXXX, 2015 which never happened at XXXX when I reached out to the executive office and spoke with XXXX whom did n't see notes of a scheduled and was very rude thus getting no help from anyone at Capital One to reach out to the branch within their own institutions or the outside bank that was involved, at this time the account remains inactive. Also I not being the primary but retains POA which is noted on the account but at times the reps state they can not find and to make matters more detailed at this time the creditor is requesting documents of the primary such as ID Social Security as well as utility, documents will be provided and I stated to the rep during the last call that documents will be provided but payments will be ceased and none will be continued until resolution is made. Please note that on a separate occasion when there was an issue with the remitting institution and I permitted and allowed a 3-way call with myself validating the account and allowing Capital One fraud department to ask any necessary questions they had.
Product: Checking or savings account

I am writing to formally report an issue with Chime Financial , Inc. regarding its handling of unauthorized transactions on my account. Chime has failed to comply with its legal obligations under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, resulting in financial harm and a breach of my consumer rights.

Summary of the Issue : 1. Unauthorized Transactions : My Chime account was hacked, and unauthorized transactions totaling {$600.00} were made. I immediately reported this to Chime and cooperated fully in their investigation.

2. Denied Disputes : Chime denied my dispute without providing clear documentation or explanation of their decision, as required under Regulation E.

3. Refusal to Reopen the Claim : Despite Regulation Es requirements, Chime refuses to reopen my claim unless I provide new or additional information. This places an undue burden on me and is not a lawful prerequisite to reexamine their decision. 

4.Inappropriate Questions : Chimes disputes team asked me to specify the additional documentation I have, which I believe is an attempt to deter me from pursuing my claim further. I have never been asked this in previous claims.

Violations of Federal Law : Chimes actions violate multiple provisions of the EFTA and Regulation E : Failure to Investigate Properly ( 1005.11 ) : Chimes denial of my dispute suggests an incomplete investigation. The burden of proof lies with Chime, not the consumer, to demonstrate that the transactions were authorized. 
Failure to Provide Documentation : Regulation E requires the financial institution to provide the consumer with evidence supporting its denial. Chime has failed to do so.

Unlawful Refusal to Reopen Claims : Chime is requiring additional information to reopen a claim, which is not a legal obligation for the consumer.

Requested Resolution : I request the CFPBs intervention to ensure that Chime : 1. Immediately reopens my dispute and conducts a proper investigation into the unauthorized transactions.

2. Reverses the unauthorized charges and restores my account balance to XXXX.

3. Provides all documentation and explanations regarding the initial denial of my dispute. 
4. Implements proper training for their disputes team to comply with federal consumer protection laws.

Supporting Evidence : I can provide : A timeline of my communications with Chime.

Proof of my initial report of unauthorized transactions.

Chimes notification of their denial and their refusal to reopen my claim.

Any other documentation you may require to support my case.

Thank you for addressing this urgent matter. Please let me know if additional information is needed. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I registered a new credit card for Capital One 's XXXX card on XX/XX/XXXX I believe after they sent me an offer through the mail. I read the offers for this card on their website, and it advertised a {$200.00} cash bonus for new cardmembers if you spend {$500.00} within 3 months. After searching around, I found that they also offer an alternative program where you have to spend {$1000.00} within 3 months to receive {$200.00}, which they do not seem to be very transparent about either. That's fine, but after contacting customer support, I was told I do not have any kind of offer regarding cash bonuses for spending a certain amount of money within a time period. I feel as if I've been misled here about what I would be receiving as I've already spent over {$500.00} to receive this bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting 8 inquires on my credit report that they did not verify my identity. I have a fraud alert on my credit file which is not being verified. I did not authorize consent of these inquires. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX- XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm requesting proof of the previous investigation. What method of investigation along with all records of who you spoke with, their business address, name and phone numbers as well as documentation that proves this account was late. if you can not provide me with this information in 15 days update the account to paid/never late and send me a copy of my updated credit report These are clear violations of my consumer rights under 15 US Code 1681a 15 US Code 1681a1 and also 15 US Code 1666b
Product: Credit reporting, credit repair services, or other personal consumer reports

added a loan that was previously removed you can not do that without Notify me first law does not allow such act 5 days prior remove the ftc violation you committed Both XXXX loans
Product: Debt collection

I do not know who this collector is trying to contact me on behalf of, they only make threats and do not provide information.
Product: Debt collection

I reached out to this company at Global Credit Collections and spoke with a person XXXX. 

Hi XXXX, I just got harassed by an employee of Global credit collection Corp named XXXX. I asked for supervisor and informed him I am on XXXX and I am filing a complaint with the Consumer Finance Protection Bureau. 

Best Regards, XXXX XXXX XXXX XXXX Account # XXXX
Product: Credit reporting

I have disputed inquiries on my Equifax credit report and asked for proof of the inquiries or delete from file. Proof was not provided. Instead I received a letter explaining inquiries. I do not need an explination of what an inquiry is. I proof or a deletion of all inquiries.
Product: Payday loan

Paypal paid my purchase with credit, not as usual with direct deduction from my bank. I called immediately and was told that there was nothing that could be done until I received my bill. I was charged {$4.00} for a {$15.00} purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to request your assistance in correcting erroneous information on my credit file. There are accounts that belong to me but are reporting inaccurate status, which is misleading and adversely affecting my creditworthiness. I have reviewed my credit report and identified the specific accounts that require correction. Despite my attempts to resolve the matter with the credit bureaus and the creditors, the inaccurate information remains on my credit file. I need you to either correct my Credit File by updating and or removing the following accounts off of my Credit File : XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$710.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX XXXX Balance Owed : {$79.00} XXXX XXXX  XXXX Balance Owed : {$26.00} . I am requesting that you investigate the matter and take the necessary steps to correct the erroneous accounts on my credit report.
Product: Debt collection

I was reviewing my XXXX XXXX information in XXXX XXXX and saw that Southwest Credit Systems is in collections for {$1500.00}. The company has not sent me anything regarding this debt and I do not know what the debt is for or any information about it. I want this collection removed from my credit profile.
Product: Credit card or prepaid card

While trying to obtain a mortgage, I discovered that my credit score had decreased from over 800 to less than 660. Upon further investigation, I was informed that a Discover Card was listed as delinquent on my account. The account, evidently, belonged to my former wife from whom I have been divorced for well over 3 years. She XXXX XXXX in XX/XX/2017. I have requested documentation showing proof I am the responsible party. I have spoken with Discover for several hours over more than 6 separate calls. They have supposedly closed the account and filed a claim that the account is fraudulent. They have not corrected the credit reporting and they are calling me about the collection of the account. I request that the reporting be updated immediately showing no delinquent activity and no responsibility for the account or I request proof that I signed as responsible for the account. This error is costing me thousands of dollars in finance charges because of the negative credit reporting. I have asked to pay the past due balance to help alleviate the issue of the negative reporting on my credit bureau account and Discover has stated on XX/XX/15 at XXXX XXXX via XXXX that I am not allowed to make a payment on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX  Account # 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: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to DELETE some of the information in my credit file ; however, there are still accounts that need to be DELETED. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$14000.00}
Product: Credit card

My ex-wife opened a credit card in my name with XXXX XXXX without my knowledge. The account went to collections and a judgement was awarded in XXXX County WV XX/XX/XXXX. The account was paid XX/XX/XXXX but a release of the judgement has not been sent to the court. The account was transferred from XXXX to Capitol One Bank before it was paid and I am told Capitol One is responsible for the release. They gave a lawyer a letter stating the debt paid however they have not submitted the proper paperwork to release the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

"
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o'clock antemeridian and before 9 o'clock postmeridian, local time at the consumer 's location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.