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

Chime Financial has locked my account which has roughly {$1700.00} in my credit builder. {$940.00} of the {$1700.00} is from a direct deposit from Ssi on behalf of my XXXX son. The remainder of the balance is from myself cashing a paycheck at my local XXXX and making 2 deposits at the same time of {$500.00} in each deposit. ( I did spend some of the paycheck deposit before my account was locked. The direct deposit of SSI arrived after my account was locked so I haven't been able to access that at all. ) On XX/XX/year>, I requested a transfer in the amount of {$1000.00} from my XXXX XXXX XXXX  account to my Chime. This transaction was denied and Chime locked my account over it. Chime is requiring me to provide them with multiple documents in which I have been able to provide all but one. This one document is a statement from XXXX XXXX that states why the requested transfer on my behalf was denied. XXXX XXXX has refused to provide me any document and has also blocked my number from calling them as well as stopped responding to any emails or secure messages via app or website. I gave Chime my permission to request this document on my behalf since XXXX XXXX has decided to ignore me all together and Chime can't or won't request this themselves. Therefore, my account remains locked by Chime and so does my funds. I do not know of any direction to take other than this to begin to gain access to my funds. I understand Chimes reason for locking my account but I don't understand how they expect to unlock it when I can't provide what they require. 
I was scammed by a fake XXXX XXXX XXXX and I deposited the check the rep sent into my XXXX XXXX account. XXXX XXXX cashed the check and I was to pay the XXXX XXXX XXXX when they were to come to my house to wrap the vehicle minus my weeks pay. Then I was made aware that I was to pay the XXXX XXXX via XXXX XXXX XXXXither by XXXX XXXX XXXX XXXX XXXX  limits, I was not able to withdraw enough money for the rep at one time which resulted in me using a different avenue from my Chime account. It was denied. I was scammed and provided XXXX XXXX with any documentation I had regarding being scammed. XXXX XXXX closed my account understanbly and my XXXX XXXX bank account remains at a roughly over $ XXXX because of me being scammed. XXXX XXXX has since ignored and blocked my number so I can not know any steps to take to try to resolve this matter nor are they willing to provide me any documents I need to unlock my Chime account. I do not know what to do or where to go to try to resolve this. I am scared as I have never been in this situation before and being left in the dark by XXXX XXXX doesn't help matters and now being restricted to access my funds via Chime has me even more financially broke. I have made multiple attempts to communicate with XXXX XXXX and Chime. I have already submitted a complaint on CFPB for XXXX XXXX. Thank you, XXXX XXXX
Product: Mortgage

Lack of response from broker/lender fluctuating closing fees unclear by lender quoted estimate went from XXXX to XXXX closing disclosure given less than XXXX business days deforme closing.
Product: Credit reporting or other personal consumer reports

I got a personal devt consolidation loan from Santander and made monthly payments of approximately XXXX per month on XXXX. In the XXXX of XXXX, I made a large payment to pay off my loan early. This large payment covered all the principal of the loan but a small amount was remaining on the balance for accrued interest from the last month. Then I called Santander several times for the following reasons : XXXX ) their automated system issued a statement showing a remaining balance of XXXX but amount due XXXX ( the typical monthly instalment ). I called to check if this was correct. They assured me that the account was on AutoPay and that AutoPay would only charge my checking account for the remaining balance not the full monthly payment. They said I do not need to take any other action. 
XXXX ) XXXX months later I got a notification from credit monitoring stating that there was a missed payment reported by Santander. My account was on AutoPay but they did not take the XXXX. I called them and said that I had the loan on Autopay and I think their automated system had a technical bug where my large payment may have turned it off ( although on my online account it still showed AutoPay was turned ON ). I asked them to process the payment for the full remaining balance minus late fees. They had added late fees to the most recent statement but I told them the late payment was due to their system malfunction so I will not pay that. They agreed and processed the balance. Then they sent me a letter stating my loan was fully paid.

3 ) I also asked them to fix the credit reports to remove the late payment because their system malfunction caused it and it was now hurting my credit score. They told me to file disputes with the reporting agencies, which I did. But my reports are still showing late payments.

4 ) I was applying for a mortgage and the late paument was hurting my score and impacting the mortgage rates offered. I asked Santander for a letter where they admit to their AutoPay malfunctioning and that the late payment was not my fault. They said they would send me this letter so I could give it to the mortgage brokers to improve my offered rates. Santander did send me a letter but it did not admit to any system malfunction, it merely listed the dates that I had missed payments and when the account was paid off. This just made it look like I missed payments and it did not even mention their AutoPay.
Product: Credit card or prepaid card

During the time of the missed payment, I was going through financial hardship and I could not make my payments to this card.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for neglecting to properly examine my disputes about credit report discrepancies. Equifax constantly responds to my submissions within 24 hours, claiming the account is accurate without giving evidence of a comprehensive examination. This technique violates the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. Section 1681i ), which requires a reasonable examination into complaints. Equifax 's conduct may violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as noted in the CFPB 's recent administrative proceeding ( File No. XXXX ) for comparable infractions. I request that the CFPB take steps to ensure that Equifax follows federal law and provides consumers with the requisite proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is 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 reportsno consent is fraud. Please remove the account : XXXX XXXX XXXX
Product: Debt collection

Lamont, Hanley, and Associates of XXXX XXXX XXXX, XXXX has repeatedly billed me, XXXX XXXX XXXX, for medical debt I do not owe. This debt was supposed incurred by my wife, XXXX XXXX XXXX, when she was on dialysis and was under the protection of Medicare A and B as well as private insurance. 

The original creditor, XXXX XXXX XXXX XXXX XXXX, has sent me and my wife written notice that they will desist from attempting to collect the alleged owed money, and I have provided a copy of this letter to Lamont, Hanley at least five times. 

Please also note the following : Lamont , Hanley & Associates has repeatedly sent me correspondence with an incorrect zip code in their letterhead -- even after I pointed out the error. They also withhold their unit number from their letterhead. I must assume they are doing this to other clients as a method of dodging disputes. You can see their real address and zip code on XXXX XXXX at this link : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I consider XXXX XXXX XXXX a party to this complaint. Therefore, a copy of the complaint should be forwarded to that party as well. 

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

As outlined in the Fair Credit Reporting Act ( 15 USC 1681, section 602 ), there is a critical need to ensure that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. Equifax, XXXX, and XXXX are consumer reporting agencies, and as a consumer, I have the right to protect my private information from being shared, as supported by 15 USC 6801, which states that Congress has established that financial institutions have a continuous obligation to honor their customers ' privacy and safeguard the security and confidentiality of nonpublic personal information. 

XXXX XXXX XXXX, as a financial institution, falls under this definition. Additionally, 15 USC 1681, section 604 ( a ) ( 2 ) specifies that consumer reporting agencies may only furnish a consumer report under specific circumstances, primarily with the written consent of the consumer involved. Neither XXXX XXXX XXXX nor the consumer reporting agencies Equifax, XXXX, and XXXX have my consent to share this information, and I have not provided any written consent. Any previous consent given to Equifax, XXXX, or XXXX, or XXXX XXXX XXXX, whether verbal, written, implied, or otherwise, is hereby revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) indicates that a financial institution can not disclose nonpublic personal information to unaffiliated third parties unless the consumer is informed about how to opt out of such disclosures. I was never informed of my right to exercise this nondisclosure option. Additionally, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from reporting certain adverse information that predates the report by more than XXXX years without proper authorization. This account is being reported as adverse information without my permission, which is unlawful. 

Moreover, according to 15 U.S. Code 1681s2 ( A ) ( 1 ), no person should furnish consumer information to any reporting agency if they know or reasonably believe that the information is inaccurate. According to 15 U.S. Code 1681e, every consumer reporting agency must maintain reasonable procedures to avoid violations of section 1681c and to limit consumer report furnishing to the purposes outlined in section 1681b. Clearly, Equifax, XXXXXXXX, and XXXX are not adhering to reasonable procedures. Lastly, as per 12 CFR 1016.7, consumers have the right to opt out at any time. Therefore, I am formally opting out of your reporting services.
Product: Credit card or prepaid card

XX/XX/2019 A charge for a XXXX  purchased was charged. I received my statement and contacted capitalone about the charge. I explained to them that I did go into a XXXX store to establish new service to get a new XXXX. I was with the sales guy and had the phone picked out and was at the last step which was to sign and than take my phone that i purchased. I had my card out, but i had him wait a moment because i found a better deal at a target phone kiosk. I explained to him that i want to check out targets mobile kiosk to see there specials. he got upset and took all of the papers that I DID NOT SIGN and my card and the phone that was still wrapped into the back. He came back out and gave me my card and information about the plan NOTHING I signed. I explained this to them about 5 times, after talking with different country reps that couldnt understand, i finally speak with someone in the states today ( on the phone for over 2 hours today, in the past about another 2 hours explaining ). Today the guy at capitalone ( another country ) had me be on hold while he calls the store that the card was charged, the guy on the phone couldnt find the charge, he said he would transfer us to the corporate accounting department. The guy at capitalone, me and the lady in the corporate accounting was discussing the above. I gave her all of my personal information and capitalone charge information. She than asked for a pin or a code, i said i dont have an account and dont know the pin. she than said this is fraud and she needs to put me on hold. After that, the line disconnected. After calling back to capitalone on hold for another 30 minutes, the guy said ( in the US ) there is nothing else for me to do but we can not help you anymore. The charge isnt mine, i didnt get credit for this charge.
Product: Credit card or prepaid card

I took out a cash advance of {$15000.00} on my Bank of America card ending in XXXX on XX/XX/XXXX of 2022, and went online and paid it off in full ( principal, fee, and interest ), or so it said when I made the payment. What it did not tell me by text alerts that although I had 'pain the current balance ', that interest accrued for that day and a balance would remain. I received no notice of this. Months later I received a letter telling me I was over 90 day late on these interest payments which accrued AFTER being told that my account was paid in full. This has severely damaged my credit rating and Bank of America told me there was nothing they could do. My credit score which was above XXXX fell over 100 points. I spoke to XXXX today and they said to contact you, file a complaint and send them a copy. Can you please help me? Thank you, XXXX XXXX
Product: Debt collection

There is a collection account that is being reported to the credit bureaus that I do not recognize and I am not aware of. This is clearly fraudulent. Listed below are the details. 

CONVERGENT OUTSOURCING ( XXXX  ) Accnt # : XXXX Opened : XX/XX/2022 Balance : {$1900.00} Tried to dispute this account multiple times but the company did not take action on the dispute I filed. I am attaching my FTC Affidavit to back up my claims.
Product: Credit reporting or other personal consumer reports

I've made several attempts since XX/XX/XXXX requesting that CRB/Sunlight/Launch update the trade line with the credit bureaus. Initially, they reported the trade line twice. As per my request, they had one removed a couple months later. However, the remaining trade line has not been updated, despite many requests to do so, since XX/XX/XXXX thus inflating the outstanding loan balance. Each time I bring it to their attention I am told that it may take up to 60 days. It is nearly 120 days since I was last informed of this without any update. I am planning to take out a HELOC in the upcoming months and this is having an adverse effect on my credit data.
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 XXXX XXXX XXXX. 

Account Name : 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 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: Credit reporting, credit repair services, or other personal consumer reports

An auto car loan with XXXX XXXX XXXX XXXX XXXX  it is not reporting to the credit bureaus for more than a year
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR- 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 An ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, 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 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 personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$1100.00} that appears related to the aforementioned personal loan account opened at 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 # ( private case number ) 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: Credit reporting, credit repair services, or other personal consumer reports

The following XXXX, Experian, XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below are inaccurate. The credit reporting agency has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

( XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX )
Product: Credit reporting or other personal consumer reports

Company was asked on multiple occasions over past year to update and remove fraudulent accounts. Company refused on many occasions for run FCRA standard reports and continued to report inaccurate data. Company denied investigations when provided with correct information. Company did not investigate or confirm any information as previously stated. Attached is XXXX file that shows all the accounts company claimed to verify at FCRA standard do not exist.
Product: Money transfer, virtual currency, or money service

I want to publish this description in get refunded due to inadequate customer service
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX  : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Balance : {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance : {$200.00} XXXX & XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance : {$590.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) Balance : {$470.00} INQUIRIES : 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 EXPERIAN COLLECTIONS : XXXXXXXX XXXX Balance {$75.00} XXXX XXXX Balance {$15.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Balance : {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) Balance : {$200.00} XXXX & XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance : {$590.00} XXXX  XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  ) Balance : {$470.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX COLLECTIONS : XXXX XXXX Balance : {$470.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I deposited {$88.00} into my credit karma checking account on XX/XX/2022 and the funds arent available, even after being posted by the bank. I called to check why Im not able to access the funds and the representative reasures me it would be availible in 1 hour because of a problem on their end. Currently theyve still not made the funds availible after its been posted and cleared on their end and theyve refused to reverse the transaction.
Product: Debt collection

On or about mid XX/XX/2018 Capital One Bank represented by XXXX XXXX/XXXX XXXX coerced me while shopping to apply and use their credit card for my purchases. They offered an immediate {$25.00} credit. After 3 persons pursued my business I relented and completed the application and was presented with a phyical credit card almost immediately. ( Most unusual ) After completing my purchase, the very first statement showed fraudulent charges, I contested. The bank after several calls credited the card. I requested to close the acct and no more cards. Capital One ignored my request sent another card. Again the very next month showed new additional fraudulent charges. Again after numerous phone calls, exhausting phone wait times they credited and closed the second account. 
Capital one continued to send statements requesting payment. I wrote to them and stated due to their incompetence and uncaring attitude toward me, as the customer, I would not respond to their request for payment, and infact sent Capital One a legitimate invoice for my time and effort. Their response was, " we respectfully decline to pay your invoice '' to which I responded, " if that be your stance then I respectfully decline to pay your invoice '' Capital One has finally closed the account and reported me to the credit Bureaus as if it were only my issue. My opinion is that Capital One is as much to blame and if they can create an issue for me with the credit reporting bureaus, then how do I do the same for their lack of payment for my invoice?