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

I opened a chime checking and savings account on XX/XX/XXXX XXXX i deposited XXXX dollars .on XX/XX/2022 chime locked and closed my account for no reason at all. they told me in order to clear this up I had to send in documents. which I did on XX/XX/2022. I received no answer or returning of my XXXX dollars. its has been 90 days and still nothing. they dont even response to my inquiry when email or call please help me get my funds back from chime.
Product: Money transfer, virtual currency, or money service

[ Kraken Stole My XXXX Crypto Deposit ] On XX/XX/2023, I deposited unsupported crypto in my Kraken wallet. Just to clarify, this is not about me making a mistake sending crypto to an unsupported chain/network/address. I made the exact same type of deposits at other exchanges and had no issue. It's just Kraken. 

K

raken is exercising control over personal property belonging to me and is interfering with my right to possess it. Nothing in Krakens Terms of Service states that any unsupported deposits will be forfeited. Therefore, I am requesting that Kraken return my personal property in a reasonable amount of time in order to prevent any further financial stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning, is calling completely new complaints about how they break the law frivolous. I have the proof in their own letters they break the law. 605B of the FCRA in subsection C, gives the CRA 3 reasons to decline or rescind a block requested under subsection A of this same law. Early Warning has NEVER received a complaint about this issue, through the CFPB. Yet, their letter dated today clearly shows they lied and called it frivolous. 
Early Warning has blocked the XXXX account more than 6 times, yet, against the law, they have rescinded the block when NONE of the 3 reasons the law gives them exists. Breaking the law is NEVER right, and attempting to get the law obeyed is NEVER frivolous until the law is obeyed.

Early Warning MUST provide proof beyond a reasonable doubt, that 1 of the 3 reasons allowed by 605B has occurred. None has happened, so when they rescinded the block over 6 times, Early Warning in fact is breaking the law over 6 times. Stop allowing Early Warning the ability to lie and break the law to harm me or anyone
Product: Payday loan, title loan, personal loan, or advance loan

The finance company Acima who I had a 90 days same as cash agreement with, the sales person said it will begin after I received the furniture. The cost was {$1800.00} I have paid over XXXX and they are saying I owe XXXX if I want to pay it off today, more than original cost, seems like 100 % fees and no credit for what I have paid so far. I was intending to pay off {$800.00} balance last month. This is predatory lending!
Product: Credit reporting or other personal consumer reports

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report I was looking into, I noticed that the information that was on my credit report that was reported for my Vehicle Loan and the Company, has reported in correct information as with they have not reported to the credit bureaus monthly as agreed when I purchased the car. They have incorrect, false information that has personally not helped my credit score whatsoever since opening the loan last year. Theyve reported spotty and also reported I was 90 days past due one month which is incorrect. The payment amount monthly I pay is incorrect as with the balance and initial loan amount. Ive contacted them and they said they would contact me back but I never heard back. I sent messages as well detailing the mistakes and inadequate information being reported and they never responded. But they did harass me and contact me via phone, text and email daily when i was past due with my payment. But now refuse to contact me back, or state that the information they have doesnt reflect that. I was denied a credit card based on the information they reported that is incorrect, false and not true. Ive not seen a credit score increase at all since getting this vehicle loan, and I wanted to get help as they are required to report to my credit bureaus monthly with correct information. They have not attempted to fix this information nor provide me with documentation that I can submit to the bureaus detailing opposite information.
Product: Debt collection

On XXXX XX/XX/, we received a letter via XXXX from True Accord. True Accord, is a collection agency. The agency refused to provide to me and claims to not have any evidence of the debt, despite having sent the demand for payment. This violates the provisions of FCRA and FDCPA, inter alia. In an email from me to the agency herein named, I disputed the debt. The fact is that the agency can not contact or communicate an alleged debt to a consumer without first having verified the debt. This community from True Accord violates consumer protection laws. In addition, XXXX XXXX XXXX, at no tike, ever sent to me any claim that a debt was owed. This instance is the first instance of communication from a third party or XXXX XXXX XXXX. It is presumed that XXXX XXXX XXXX has shared my personal information with this debt collector without right, without my knowledge or my consent. I intend to recover damages from both parties.
Product: Mortgage

On XX/XX/XXXX our loan was transferred from XXXX XXXX to PNC. We contacted XXXX XXXX and XXXX XXXX XXXX and XXXX in XXXX, ( which is our insurance broker ) and asked if PNC should be aware of the fact that we needed to have fire insurance for our property and all parties confirmed that we need fire insurance and that PNC had been contacted about our plan. This plan has been active for six years with automatic renewal and compounded into our mortgage. On XX/XX/XXXX PNC issued an electronic check for XXXX XXXX XXXX which XXXX XXXX ( a PNC client relations employee ) said they didnt know about prior to that day. After performing an escrow analysis, PNC is now saying that they didnt know about the XXXX XXXX XXXX so its not wrapped into our mortgage. Our mortgage has now increased from {$1000.00} to {$1400.00}. We contacted XXXX XXXX and requested all documentation when our loan was originally transferred and theyve failed to provide that. We have all records showing that PNC was notified on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX about the XXXX XXXX XXXX. PNC also failed to make a payment for Home dwelling insurance with XXXX in XX/XX/XXXX we received a notice in XX/XX/XXXX stating that PNC was going to acquire their own premium for the home dwelling hazard insurance at a more expensive rate. I personally had our policy reinstated with XXXX ( with the help of XXXX and XXXX insurance broker ) on XX/XX/XXXX without the help of PNC. Then PNC sent us a notice on XX/XX/XXXX that we now have insurance with XXXX XXXX XXXX and can drop our mercury insurance which is false. We need to have both insurance policies on our mortgage because its required. We have made our monthly payments on time however theyre charging us late fees and saying that we have not made payments even though they have deposited them. We sent extra funds to be used for principal reduction and they use that money for escrow, when we had a note in the memo of a money order that it was specifically for principal production. 

PNC has failed to communicate, provide documents and is trying to have us pay for our fire insurance twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to billing error by XXXX XXXX XXXX and lease end processing issue with XXXX XXXX in XX/XX/2018, a bill for early termination of my XXXX XXXX XXXX lease was not received from XXXX XXXX XXXX until XX/XX/18. On XX/XX/2018, I discovered the early determination bill existed from XXXX XXXX XXXX for {$1400.00}, after it was reported delinquent to the credit bureaus. I contacted XXXX XXXX XXXX by phone and via email, on XX/XX/XXXX. The representative stated a bill had been sent in XX/XX/2018, I stated I did not receive the bill and requested a bill be sent to me. I also discovered that the address on the bill didn't have my apartment number, which can cause delivery issues as I live in a multiple unit dwelling. As stated previously, I finally received the bill on XX/XX/XXXX. After attempting to resolve the amount with the dealership at XXXX XXXX, I paid the remaining balance over the phone on XX/XX/18.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Barclays Car, have violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX  XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

IM A VICTIM OF IDENTITY THEFT PURSUANT TO FEDERAL LAW SECTION 605B ALL FRAUD MUST BE REMOVED. FTC REPORT IS ATTACHED SHOWING THE FRAUD ****PLEASE READ FTC REPORT *****
Product: Credit reporting or other personal consumer reports

The reporting of the account from XXXX  XXXX XXXX ACCT # XXXX  ON XXXX XXXX, & EXPERIAN *****BALANCED AT {$67.00} LISTED AS CHARGED OFF/ CLOSED. Is affecting me by reporting negatively on my consumer report and disallowing me the ability to use my positive history to obtain stability. This Account was written off, discharged and paid ( BY THE CREDITOR ). So now it's in VIOLATION OF MY CONSUMER RIGHTS UNDER 15 U.S.C 1681 ( e ) ( b ) and SECTION 604 15 U.S.C 1681b. Which also allowed the credit agencies XXXX XXXX, EXPERIAN, AND XXXX TO COMPROMISE MY IDENITITY. I DID NOT UNDER ANY CIRCUMSTANCE GIVE MY PERMISSION FOR THIS ACCOUNT TO BE FURNISHED ON MY CONSUMER REPORT IN THIS MANNER!! THIS ALSO VIOLATES MY RIGHTS AS A CONSUMER UNDER 15 U.S.C 1692j ( a ) ( b ) FURNISHING CERTAIN DECEPTIVE FORMS. ALSO, IT VIOLATES MY RIGHTS UNDER 15 U.S.C. 1681c2 BY COMPROMISING MY IDENTITY, AND ALSO, UNDER FCRA SECTION 605b.I DIDNT GIVE ANY WRITTEN OR VERBAL PERMISSION FOR THIS ACCOUNT TO BE FURNISHED ONTO MY CONSUMER REPORT! I WILL PURSUE THE FULL LENGTHS OFTHE LAW UNDER 15 U.S.C.1611 FOR WILLINGLY AND KNOWING VOLATING THE LAW!
Product: Credit reporting

Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) XXXX is reporting a collection for XXXX XXXX XXXX. There has been no attempt to validate this debt, therefore it should not be reported.
Product: Credit reporting or other personal consumer reports

I received several phones calls from someone claiming to be from Experian. 
The name of the person was XXXX XXXX phone is XXXX.
Product: Student loan

Urgent Complaint Regarding Edfinancial 's Mishandling of Student Loan Payments I am filing a formal complaint against Edfinancial for their egregious mishandling of my student loan payments, which has put me at risk of default. The sequence of events is as follows : Initial Payment ( XX/XX/2023 ) : Made a timely payment of {$600.00} on XX/XX/2023. 
Received email confirmation but observed no activity in my bank account. 
Late Payment Notification ( XX/XX/2023 ) : Received an email notification from Edfinancial on XX/XX/2023, indicating a late payment. 
Discovered upon investigation in my payment history that the XX/XX/XXXX payment was reversed by Edfinancial without any prior notification. 
Submitted two inquiries through their contact form on the same day, seeking clarification on the payment reversal and requesting exemption from interest charges. 

No response received from Edfinancial.

Research on Edfinancial : Discovered through research that contacting customer service by calling can take at least 4-8 hours. 
Found that requesting a call back is ineffective, as the system disconnects the call immediately upon callback, rendering this avenue unhelpful. 
Numerous reports of customers facing difficulties reaching Edfinancial customer service, with issues ranging from prolonged wait times to disconnections during callback attempts. 


Second Payment ( XX/XX/2023 ) : Made a second payment of {$1000.00} on XX/XX/2023. 
Received email confirmation, but no corresponding activity in my bank account as of now. 
This situation is extremely serious as it has the potential to lead to default on my student loan. Edfinancial 's lack of communication and transparency regarding payment reversals is unacceptable, and the difficulties in reaching customer service only exacerbate the issue. 

I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter promptly to ensure fair and accurate handling of student loan payments by Edfinancial and to prevent any further harm to borrowers. 

-- Also, my name is now legally XXXX XXXX XXXX XXXX. I submitted documentation of my driver 's license and social security card as proof of this and there has been not activity to change that either or any acknowledgement.
Product: Credit reporting, credit repair services, or other personal consumer reports

For approximately 5 years, I have been unable to obtain my Equifax credit report via the online XXXX XXXX XXXX XXXX  website, by signing into the Equifax website directly, or by calling in. 

I have received information from them that my file was involved in and compromised by security breeches. I have kept my file frozen for years now. I can unlock and lock credit, log into my account, and/or initiate a dispute. I am unable to obtain my credit report. 

They have requested I update income, employer, and other information that is not my legal obligation to do, in order to obtain a credit report to which I have a legal right. 

The questions Equifax uses are so vague that they are sometimes hard to answer. The questions XXXX  and XXXX  asks are very specific and easy to answer, so I have no issues with those two agencies.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX
Product: Debt collection

LVNV funding llc XXXX XXXX {$1300.00} I have no knowledge of this account I never lived in the state of New Jersey I want this removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a first time home buyer class with a friend and come to find out I did not qualify because of my credit. When I sat with the loan officer she begin to tell me what I need to work on. Well the things she identified is not mine and I dont know how they even got on my report. I have contacted the FTC and my police department. I'm doing this on my own behalf. Please have these accounts taken off my credit so I can buy a home for my family.XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.
Product: Debt collection

XXXX FROM XXXX XXXX XXXX, HAS BEEN CALLING OVER 2 TIMES PER DAY. TRYING TO COLLECT A DEBT THAT WAS PAID.
Product: Credit reporting or other personal consumer reports

I took out an auto loan in XXXXXXXX XXXX XXXX The loan is showing up on other reports as 100 % paid and for id verification, which verifies it is part of public record. The lending company has submitted my documents 3 times to the reporting agencies, with my payment updates but I have yet to see the loan reflected on my reports. I have now paid off my loan and still no reflection on my reports. XXXX, Equifax, XXXX credit agency is under fire for not reporting the report May u please investigate this problem & take matters of making sure this reports please thanks. I have uploaded all the files. By law you must have this report reported on my records. I will include documents showing the account has been paid in full since last XXXX XX/XX/2022 & still not reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to file a dispute for unidentified fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.
Product: Mortgage

On or around XX/XX/XXXX I received notice that my mortgage servicing company, NewRez, didn't have proof of valid homeowners insurance for my property. A year earlier, I changed carriers and they claimed they got the cancellation notice for the old policy but never received the information on the new policy, even though they paid the premium for the new policy from my escrow account in the sum of {$1100.00} on XX/XX/XXXX. 

When I received that initial notice, I promptly called the servicer. The person I spoke with, XXXX XXXX, had me email him proof of insurance for the period covering XX/XX/XXXX through XX/XX/XXXX and the policy renewal information for XX/XX/XXXX through XX/XX/XXXX. He told me everything was all set. NewRez paid the premium for the renewal on XX/XX/XXXX in the amount of {$1200.00}. 

On XX/XX/XXXX, I received a letter from NewRez demanding proof of coverage for XX/XX/XXXX through XX/XX/XXXX -- proof I had already emailed on XX/XX/XXXX. The letter stated that if I did not provide proof of coverage immediately, I would be charged {$2500.00} for coverage provided by the lender.
Product: Credit card

Invoice received XX/XX/year>. I was out of town for the holiday weekend ( and mail doesn't move on the holiday ). I returned on XX/XX/XXXX with the statement due on XX/XX/XXXX. Even if mailed the date received it would not have had time to be mailed back before late fee is charged. 

In most cases, it arrives 4- 5 days before the due date and if there is a weekend involved, there is nothing I can do but accept the high interest rate. I realize I can do auto pay, and set-up electronic payments, but I do not trust the electronic channel and why should consumers be forced to in order to avoid late fee charges. 

I called the company XX/XX/XXXX to confirm that I made an electronic payment XX/XX/year> in full. I am not sure it will be received by XX/XX/XXXX, even with electronic pay. I asked them to prove through USPS Confirm with the barcode that the statement made it out of their facility, or print vendor for this timeline. Chase 's response is we allow 20 day, and that's all we can do about it.

I have excellent credit and do not have this issue with any of my other cards only Chase. I've been a loyal user for over 20 years, and over this year, I've ran into this issue 4 times. I feel bad for people that don't have electronic means, and no matter what they will have to pay these high fees, even if they pay in full.
Product: Credit card or prepaid card

Have not been able to reach a CS agent via phone not online/email. Can NOT access funds/balance!
Product: Credit reporting or other personal consumer reports

I have demanded Equifax remove these accounts from my credit report. That I did not give permission to be there. This is illegal.
Product: Payday loan, title loan, or personal loan

XX/XX/2019 : repeated calls to employer ; harassment to colleague. 
A representative from World Acceptance, XXXX, INCESSANTLY phones my place of employment ; it is a place of business, not my personal cellphone. I have repeatedly explained the dire nature of my finances, and a promised payment to no such avail. They harass me at work every single day.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 15 USC 1681 section 602A states I have the right to privacy. And according to 15 USC 1681eb they are suppose to ensure this whenever the consumer reporting agency prepares a consumer report.
Product: Checking or savings account

On XX/XX/2022, when working on my laptop computer, the unit froze p and displayed a screen that a Trojan horse had been detect by my XXXX XXXX  and to call them at telephone # XXXX XXXX. I called the number and it was answered by an agent " XXXX '' who proceeded to investigate the problem by taking full remote control of my computer from his stie and started to look at everything I had there. My computer screen was blank but I could see my curser moving on the screen. He started to ask some suspicious questions but was able to provide answers that seemed associated and pertinent to the problem. This continued for about 2 hours at which time I was told to leave the computer on for the next 12 hours to see if anything would occur.

After we hung up the call, I called Wells Fargo at XXXX to report a possible fraud. I spoke to an agent " XXXX '' and told him the situation and to stop immediately stop any requests for withdrawals made that day. He opened a fraud complaint ( case # XXXX ) and froze my checking account against any withdrawals and opened a new checking account. 
Wells Fargo replied on XXXX XXXX that the new account had been debited for the following amounts that had moved over from the cancelled account : XXXX XXXX {$990.00} by XXXX XXXX to other customer. 
XXXX XXXX {$500.00} by XXXX XXXX to other customer. 
XXXX XXXX {$1000.00} by XXXX XXXX to other customer. 
In a follow up with Wells Fargo I was told that the case could not be reopened and that I was not defrauded but scammed and although not said but reading between the lines there was nothing more they could do. " XXXX '' XXXX ' The bottom line this money was stolen from me and had Wells Fargo had processed my request to withhold any debits to my old account as the said they would this would have been stopped. 



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Product: Credit reporting or other personal consumer reports

There are several hard inquiries that I did not do. There is also a late payment on a XXXX card that was a fraudulent charge that I disputed and the credit card company agreed, but Equifax keeps it on my report.