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

Note, CFPB closed similar previously submitted complaint without informing me of why, when the website stated my complaint was pending additional information. When I called, I was told it was believed a 3rd party submitted the complaint although the complaint was submitted from my account. 

On XX/XX/2022, I sold my home and received a net payment of {$62000.00}, via wire. Since that day, I have carefully balanced spending to ensure I manage my money properly and to ensure my bank is a proper steward of my funds. On XX/XX/2022, I logged into my account to check transactions and I noticed the bank had some suspicious accounting. At the end of XX/XX/2022, I had {$10000.00}. The first transaction from XX/XX/2022 shows my balance had dropped to {$4000.00}. On XX/XX/2022, I called the bank and spoke to a representative who claimed to " not see what I see ''. I explained to the representative that there is no accounting on their part that could explain over {$6000.00} missing from my account. The representative then tried to explain that " pending transactions '' had been ledgered, but I explained to her that there was no transactions anywhere close to that amount that would justify such a drop. I also explained that my daily balance emails at no point indicated I had a {$4000.00} balance. I requested an executive review and was told someone could speak to me but I had to get into work. I called back and requested to speak to a senior management official and the representative again claimed to not see what I was referencing " on their end ''. It then appeared the representative was not able to comprehend my concern and began mixing up the transaction I was referencing with my current balance. The representative put me on hold to " escalate '' the call but after XXXX minutes simply came back on the line to tell me a manager would be in touch within one business day. I then attempted to contact the fraud department. I was told the the app " sometimes doesn't reflect what is shown online. This is nonsensical and opens consumers up to fraud and mismanagement due to failure to account for funds. I was told that the pending credit from a furniture retailer for {$6200.00} was NOT calculated as part of my daily balance because it hadn't been credited yet. However, what I can see on the banking app contradicts what they are saying at the bank. I've monitored my account very carefully to account for expenses and budgeting for my new home. I request CFPB review all the phone calls from XX/XX/2022 and obtain transaction history staring from XX/XX/2022 to present with a USAA representative. I believe the bank has stolen my money and I request an investigation into USAA 's management of my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> {$1200.00} XXXX XXXX XXXX XX/XX/year> {$850.00} XXXX XXXX XXXX XX/XX/year> {$880.00} Midland Credit XXXX XX/XX/XXXX {$1100.00} Midland Credit XXXX XX/XX/XXXX {$580.00} XXXX XXXX XXXX XX/XX/XXXX {$1400.00} I have never heard of these companies and have not taken out any loans this year. They are stating that they are open account when I have not heard of them or taken out any loans with them.
Product: Money transfer, virtual currency, or money service

Coinbase admitted they lost about {$12000.00} of mine. 

They gave me a case number # XXXX But have been silent for over two weeks. 

Their support is near useless.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights. 

XXXX XXXX - {$250.00} Last Reported : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  - {$700.00} Last Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$3200.00} Last Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$140.00} Last Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} Last Reported : XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 604 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 authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from XXXX  there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX, CA XXXX THIS ADDRESS DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX   THIS ADDRESS DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX THIS ADDRESS DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT EMPLOYMENT INFO XXXX XXXX XXXX THIS IS NOT MY EMPLOYER AND NEVER WAS PLEASE REMOVE THIS OFF MY CREDIT REPORT MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX USA
Product: Checking or savings account

On XX/XX/2023, in the afternoon, I received several text messages stating that my phone number was updated on my Chime account. Immediately following the text messages, I went to my Chime app, only to find that I was completely logged out and could NOT log back in. Then, I started getting notifications saying that money was being taken out of my accountI immediately called Chime and while I was on the phone with them, money was STILL being taken from my account.It was XXXX different transactions that occurred in less than XXXX minutes. It was my XXXX check that was deposited that same day right before it happened. Ive filed XXXX disputes with Chime and the in result is that ruled NO ERROR OCCURRED in my account. I call almost everyday and they keep telling me that it takes XXXX for them to make a decision on refunding me my money. They amount was {$880.00}.
Product: Mortgage

I contacted 2 mortgage companies for a refinance. Bank of America was one. I chose to go with Bank of America because I have all of my finances through them, including retirement, and they were able to match the quote from the other bank I contacted. They took their time processing the documentation that was submitted, then all contact from them stopped and I was assigned a new loan officer without any notice. My closing documents were updated with a significant increase in closing costs, including points ( the original closing docs did not include points ). I reached out to the new officer via phone, and my previous loan officer asking about the change and asking for it to be reverted. They ignored me for some time and we missed the original closing date. Finally, after contacting them again several times, I finally heard back from my original loan officer and he assured me the the closing costs were accurate based on what I was paying for taxes, and that the points had been removed. I confirmed that the closing document had been updated again with the removal of the points, and proceeded with the closing. The closing documents were NOT updated again on the mortgage portal, yet the ones I signed included points. After closing I realized that the contract I had signed included points, and I contacted my loan officer. He explained that the closing documents had again changed after my conversation with him confirming that no points would be added. He explained that because the loan took so long to close they had to add points in order to keep my original locked in rate. I was constantly asking them what the problem was and there were not held up through anything from my side - the delay was entirely Bank of America 's fault, and I told the officer that I should not have been charged points when they did not notify me of the change prior to the closing date. They clearly pulled a bait and switch, hoping that I would not notice the original terms had changed. I submitted a review on their internal loan satisfaction survey and selected the option that requested Bank of America contact me to resolve the issue. That was several weeks ago and I still have not heard back from Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON THESE DATES BELOW THESE INQUIRIES WERE ADDED TO MY CREDIT FILE WITHOUT MY PERMISSION OR AUTHORIZATION. I DID NOT AUTHORIZE THESE COMPANIES TO INQUIRY INTO MY CREDIT FILE. 
XX/XX/19-XXXX XXXX XX/XX/19-XXXX XXXX-XXXX   XX/XX/19-XXXX XXXX XXXX XX/XX/19-XXXX XXXX XXXX XX/XX/19-XXXX XXXX XXXX   THEY ALSO HAVE THE NAME " XXXX XXXX XXXX '' ON MY CREDIT FILE, I WOULD LIKE FOR IT TO BE REMOVED!
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  Account Number : XXXX Account Name : 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 or other personal consumer reports

I am writing to dispute inaccurate information appearing on my credit report. I recently learned of a data breach affecting approximately XXXX users.. I believe the inaccurate information on my credit report is a direct result of this breach. 
Please provide information and resources related to data breaches, My rights have been foliated pursuant to 15 U.S.C. 1692g : /General Permissible Purposes ( 15 U.S.C . 1681b/1681a.
Product: Credit card or prepaid card

Ive reported a lost card on XX/XX/2019 to CITICRDS customer service rep XXXX and opened a claim of fraud. 
On XX/XX/2019 discovered that charges were not removed and spoke to customer service rep XXXX and he promised that all of the charges will be removed immediately from my account. On XX/XX/2019 after still seeng the charges I've spoke to fraud dept rep XXXX and she also said that its is a mistake and charges will be removed. 
I received a letter of rejection on XX/XX/2019.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, transuion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. $ {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the proceeding CFPB 's recent administrative ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transuion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting

Case number : XXXX Related Case Number : XXXX I received the following : Response not disputed XXXX XXXX XXXX, XXXX said : Explanation of closure Reinvestigation not conclusive ; we are removing the complainant 's name from the account and deleting him from our reporting. We will confirm this to him by letter. 



Response We are in receipt of the affidavit. Since we have had no response to our request for reinvestigation at our client, we are assuming the second account in question is an unadjusted duplicate and closing it. We removing the complainant 's name from the other account and ordering his name deleted from all national consumer reporting agencies to which we furnish data. 

Since the resolution the entries were removed from my credit, but have since been re-listed with XXXX.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove this inquiry immediately. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a dispute to Equifax about incorrect information reported from XXXX XXXX on my credit report and they updated the account with information that I still owe XXXX money. I tried to submit a new one and it was rejected. XXXX XXXX is reporting a repossession/charge off on this account and that is incorrect because I paid off the account and still have the vehicle. XXXX XXXX has yet to send me my vehicle title and it has been over 3 months now. XXXX  still has incorrect information on my credit that is destroying my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

Fraudulent accounts : XXXX XXXX Open Date XX/XX/XXXX Balance : {$6200.00} and XXXX ( Original Creditor XXXX  ) XXXX Date Opened XX/XX/XXXX Balance {$120.00}. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

We received three Vanilla Visa Gift Cards for XXXX in XX/XX/XXXX for {$100.00} each. All three gift card 's were invalid. Two of them had the numbers scratched off and no balance, and the third while it had the full number listed there was also a no balance. However, we have three receipts showing each card should have had a {$100.00} balance. I opened a dispute case as Vanilla requested on XX/XX/XXXX Case ID XXXX. At that time I submitted the dispute explaining all of this and providing copies of all three gift cards front and back and the receipts. Finally in XX/XX/XXXX, I received a replacement card ending in XXXX in the amount of {$190.00}. However, I have yet to be able to obtain a third replacement card for the {$100.00} or a response from Vanilla.gift. Since XX/XX/XXXX, I have sent emails to XXXX. on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX, to which they continue to dodge my request of sending a replacement card for the {$100.00} that was on the third gift card.
Product: Student loan

I agreed to rehabilitate my loans in 2006 and was lead to believe this was a 10 year loan. I am now in year 11 and not even 1/4 of the loans have been paid off. All documents say they are using simple interest at 8 %. I have since paid off more than XXXX on an 8 % mortgage using simple interest. 
My loans totaled XXXX and I started paying in 2006. At the time of my last statement I still owe more than XXXX. They have been applying most of the payments to the interest only.
Product: Credit reporting or other personal consumer reports

I am Writting to file a complaint regarding an account inaccurately reported on my credit File by XXXXXXXX XXXX XXXX XXXX Despite removing this authorized User account status with XXXXXXXX XXXX XXXX XXXXXXXX it remains on my credit report and its continued presence is inaccurate and unfairly damaging to my credit. Under the Fair Credit Reporting Act 15 U.S.C.1681 e ( b ) This section mandates that consumer reporting agencies must ensure maximum possible accuracy in the information they report. The inclusion of this account on my credit report, despite my requests for removal and the lack of responsibility ( Authorized User ) for the account as an Authorized User, is a clear violation of this requirement. I have no financial responsibilities for this account as an authorized user and have repeatedly requested that XXXX XXXX XXXX be removed from all three credit bureau I have attached below a copy of my credit reports showing where the responsibility shows as Authorized User
Product: Student loan

Navient has very poorly in the past described what repayment options there are and seemed like deferment was the best option. I make about 2000 a month and XXXX/month is not affordable on top of other living expenses.
Product: Vehicle loan or lease

COPY OF LETTER SENT TO THEM : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Westlake Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Debt Validation Request for Alleged Debt Account Dear Westlake Financial, I am writing to formally request validation of an alleged debt reported to my credit file under my name in the amount of {$38000.00}. I have reviewed my credit report and do not recognize this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request full validation of this debt, and I ask that you provide the following information : The name and address of the original creditor. 
A detailed account statement outlining the basis of the {$37000.00} debt. 
Proof that I am legally obligated to pay this debt. 
Please consider this letter a formal dispute of the debt. Until you provide the requested information, I ask that you cease any collection efforts and immediately notify the credit bureaus to remove this account from my credit report, as it is currently causing damage to my credit standing. 
If you are unable to provide proper validation of this debt, I expect that the account will be promptly removed from my credit file and that I will receive written confirmation of this action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

On my XXXX report I have 11 Hard Inquires including the XXXX credit cards still open from HSBC bank, but not used because it is transferred to my new HSBC credit card. Also, those XXXX cards are still there when I check my bank account statement. Additionally, all those 11 hard inquires is because of fraud. Please, if there is any way to delete or clear the 11 Hard Inquires on my credit report when it was based on fraud claims through the years. Transactions that I did not make causing my credit to be very low and can not apply for other credit cards or increase my limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am having a problem with XXXX XXXX XXXX reporting my account late, if I am on a trial loan modification period. You shouldn't have been reported my account s being late. Borrowers who enter into the trial modification period should NOT be reported as late, according to servicer guidelines for XXXX XXXX, XXXX XXXX, as well as other loans ( " non-GSE loans '' ) being modified by HAMP-participating servicers. With that being said XX/XX/ 2017, XX/XX/ 2017 and XXXX XXXX, XXXX and XX/XX/ 2017 is being reported incorrectly. With that being said this account should be deleted ASAP. With this being said please delete this account from my credit report. I have the right for an accurate credit report under FCRA. On XXXX report you reporting my account was on time but TransUnion and XXXX  you report me as being late. that alone is a mistake you made it have to be deleted. see attachment.
Product: Credit card or prepaid card

I received an email on XX/XX/21 that a Verizon Visa Credit Card was opened through Synchrony Bank. 

I contacted the bank and informed them that I did not open a card through them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit repair company working on my credit report. An item was removed from XXXX, but XXXX  and Transunion have not removed the same item. When I spoke to the representative at XXXX  and aksed what proof the collections company provided to prove the debt on my report, I was told they don't need to provide anything. When they were asked to investigate the item, they did not ask the collection company to prove anything. The item is reported by XXXX XXXX XXXX, XXXX on behalf of XXXX. I tried to reach out to XXXX and they referred me to XXXX XXXX XXXX, XXXX. Neither company has been able to provide anything to prove the debt to me. The item needs to be removed from XXXX  and Transunion.