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

On XX/XX/XXXX, I applied for a Chime account through the XXXX XXXX bonus points promotion ( please see attached for promotion details ). I met all of the requirements which were : 1 ) Enroll with Chime between XX/XX/XXXX and XX/XX/XXXX 2 ) Download the Chime App 3 ) Make a minimum first deposit of {$100.00} 4 ) Receive your first direct deposit and receive your first paycheck by XX/XX/XXXX I met all of these requirements by XX/XX/XXXX. The promotion stated to allow up to 90 days for Points to be credited. This meant that the points should have posted by XX/XX/XXXX. 

XXXX website stated : " If you are not credited within 90 days of offer completion, you have 14 days to contact the XXXX Help Center for further investigation. '' I duly complied and I submitted Tickets through XXXX Help Center on XX/XX/XXXX and XX/XX/XXXX and received no responses or a resolution. I provided supporting documents that I met the requirements. 

Chime is also not willing to confirm with XXXX that the requirements were met so that XXXX can issue the XXXX points as detailed in the promotion ( please see attached documents. )
Product: Debt collection

I became wary that the collection agency, Waypoint Resource Group, was saying I had a debt to XXXX XXXX from an address in XXXX  XXXX, TX, a place I have never lived. When I call them they ask me to make a police report. I ask them how can I do that for a city I've never lived in and do not live close to ( would police even bother with something like this? )? 

It's crazy because anyone can see in my credit report where I've lived for many years back and none of the addresses were in XXXX  XXXX. I've been trying to fight this for years and sent details to all 3 credit agencies. XXXX agreed with me and deleted this from my report but XXXX and XXXX didn't. I'm really frustrated and have no idea how to address this problem. I've worked very hard to have good credit and my situation is just crazy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau Dear CFPB Team, I am writing to formally request your assistance with an issue I am experiencing regarding an incorrect address listed on my credit report. My name is XXXX XXXX, and my current and correct address is XXXX XXXX XXXX, XXXX, CA XXXX. 

Upon reviewing my credit report, I noticed that the address XXXX XXXX XXXX, XXXX, CA is incorrectly listed under my profile. I am not, nor have I ever been, associated with this address. After researching the address, I found that it is related to a tow or truck yard, making it even more clear that this information is erroneous. 

I have attempted to have this address removed from my report through my credit bureaus dispute process, but to date, the incorrect information remains. The presence of this address on my report is concerning as it could potentially impact my credit history and associated accounts. 

I kindly request that your office assist in ensuring the removal of this incorrect address from my credit report and, if necessary, investigate any steps required for a permanent correction. I would greatly appreciate any guidance or intervention you can provide in this matter. 

Thank you for your attention and assistance. Please feel free to contact me at your earliest convenience if you need further information or documentation to assist with my request. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

In the month of XXXX, I deposited two checks in my Chase Bank checking account, one from XXXX XXXX, and the other from XXXX XXXX XXXX, companies for which I provide my services. Chase reported both transactions as fraud, 4 days after the check was not cashed, I called Chase consumer services and they notified me that the account was on hold, because fraud was presumed since the check was handwritten. I explained to them that those checks had been paid to me for my work. They asked me for the security numbers of the company that issued the check, my boss called Chase and confirmed that his company had issued that check, but the bank still has my funds frozen, harming me financially since that money is the product of my work. I have called the Fraud department approximately 6 times and additionally I have personally gone to the Chase office in XXXX, XXXX and I still have not received a response on this matter that affects me a lot. It is worth noting that the company issued several checks by hand and none of my colleagues had any problems.
Product: Credit reporting or other personal consumer reports

I have sent this letter XX/XX/2024 to ask to remove Inquires that dont belong to me I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : 1. Late payment history is completely inaccurate across all 3 credit bureaus XXXX XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.

2. Late payment history is completely inaccurate across all 3 credit bureaus XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX XXXX XXXX  Account Number : XXXX If you can not validate the accuracy of this report then please update as paid as agreed.

I am unaware of the above listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping a CAREFUL record of your actions. Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via the better business bureau along with an online public press release, including documentation of any potential small claims action.

* Please remove all non-account holding inquiries over 30 days old. 
Thank you for your cooperation in this matter, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes with Equifax for inaccurate tradeline data regarding a closed account and they have not complied with FCRA guidelines on any of their responses nor have they resolved my concerns. XXXX XXXX account is closed/paid, however they are reporting it as OPEN- allowing HISTORICAL ACCOUNT INFO - No terms apply to closed accounts, Date Closed, High Credit, Activity Designator ( drive last state ), Activity Payment Amount, Date of Last Activity, Charge Off Amount, Pay/Balance/Rating is blank. These fields are used to calculate scores. Please resolve this inaccurate account - verification, and your data is driven by FCRA. Please fix/delete. programming to use comments is never done and should not be done as a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered this fraudulent account was on my report and I completed a ftc report and this account has not been removed from my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/2023, Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard.

Furthermore on this hard inquiry should be removed immediately per 15 USC 1602P.

( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 


Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. Thank you for your cooperation. 

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

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), can you reinvestigate the completeness and accuracy of the listed accounts below : XXXX  XXXX : # XXXX
Product: Bank account or service

Paypal will not give me my money for a item i SOLD ON XXXX/XXXX/2015 FOR {$45.00}
Product: Credit reporting or other personal consumer reports

Be Advised I will CC The Bureau of Consumer Protection Financial ( CFPB ) FTC Attorney Generals Office in your state and mine. 

Thank you, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX BANK XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX Balance {$490.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$11000.00} XXXXXXXX XXXX XXXXXXXX Balance {$1100.00} XXXX XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays Bank continues to report to the credit bureaus as an account that was charged off. I've tried disputing it on the credit bureaus and my dispute actually messed things up work. I filed and was XXXX in XXXX XXXX XXXX years ago, as of XXXX Barclays decided to list my account as a charge off and report a serious delinquency and recent late payment on XX/XX/22. It dropped my XXXX  score over XXXX points.
Product: Debt collection

Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX 
Current Owner : LVNV Funding LLC Reference Number : XXXX To whom it may concern : This company has a false account that is reporting on my XXXX report as a debt that needs to be removed or i will be contacting my attorney ( Information below ) as i just had a settlement with XXXX for false statements on my credit report rewarding me in {$500.00} for incorrect reporting. 
This is my final request for a actual document proving who this belongs to. My final request, send all proven documents to my North Carolina address listed below. 

I have shown given proof that this account is not mine and has never been mine by this so called credit one. I have a signed statement from 2018 that this XXXX XXXX has never had any relations with myself.

Please remove this account and while this investigation is going on you have 30 days of no reporting in which you never abide by before. That is a violation.
Product: Credit reporting or other personal consumer reports

I recently checked my credit reports and I found out some billing errors that violated the Law I attached the PDF file of my dispute letters that were sent to the involved Bureaus My dispute letters were ignored and nothing happens so far.
Product: Mortgage

PLEASE SEE ATTACHED CFPB COMPLAINT dated XXXX -- -- We dispute any purported debt. Answers submitted on this site through the steps to get to this point where made to submit the attached claim and plea for help. A ). ISSUE : Fraud from inception. B ). MISSED PAYMENTS : " Debt '' not validated. Don't believe payments are owed. It is not to be construed that we have any obligation or agree there ever was a valid " loan ' or " debt ''. This complaint is based fully on fraud committed against us. No proof of claim or validation has been provided to us even after lawful request which they failed to make required response.
Product: Checking or savings account

Chase notified me by letter on XX/XX/2023 that it was closing my Checking, Savings, and two credit card accounts. The accounts closed on XX/XX/2023. 
I understand the reason they closed ( there was an unfortunate instance where my accounts were compromised. Chase resolved this at the time by re-papering my accounts and they were able to stop hackers from using my personal data to open fraudulent accounts ). I have no issue with this. 

In the letter, Chase outlined very specific action steps to take before XX/XX/XXXX. 
My complaint is they never listed that they would not allow me to electronically download my Statements. 
I have a lot of activity and I need to download activity electronically into XXXX XXXX. I work for a XXXXr and we offer access to electronic statements for up to 2 years after an account is closed. 
I made a formal complaint with the branch. Chase did provide me with printed statements but the need is for electronic access to PDFs or XXXX. 
Please ask Chase to be more specific in their formal letters to clients when they act to close a client 's account. To be specific about not having electronic statements when notifying clients about their account closure. 
XXXX XXXX
Product: Debt collection

I filed for Chapter XXXX bankruptcy in XX/XX/XXXX this was discharged in XX/XX/XXXX. Virtuoso Sourcing Group somehow obtained the account I included in bankruptcy with XXXX. So both names where listed on the Chapter XXXX filing. Shortly after the discharge Virtuoso Sourcing Group starting reporting that I had an " open '' collections account with them in the notes it says included in bankruptcy. The way they have this written is not typically seen by a creditor, they see I have a open collection account. The way Virtuoso Sourcing Group is reporting this hurts my score. I have tried over the past year and have to try your correct this matter with the company directly either by phone or via disputes with the credit bureaus they have been 100 % on willing to correct the matter and have threatened to reports this account several times on my report she make it appear that I have numerous corrections accounts. I want Virtuoso Sourcing Group to remove this information from my report.
Product: Checking or savings account

On XX/XX/XXXX, I opened One Deposit Checking and One Deposit Savings accounts with Citizens Bank online using a link for a promotional offer on their page. 

I completed all requirements necessary to receive the promotional bonus promised per the terms and fine print, and did not receive the bonus in the promised time frame. 

Upon opening the account I called and spoke with a customer service representative who confirmed for me that the promotion was indeed attached to my new checking account. 

The terms of the promotion were as follows, copied directly from the offer page which is also attached to this complaint : " To earn a {$300.00} bonus, open your first new personal checking account, excluding Student Checking, between XX/XX/XXXX and XX/XX/XXXX and have at least one single direct deposit of {$500.00} or more post to your new checking account within 60 days of account opening. 

To earn a {$200.00} bonus, open your first new personal checking account ( excluding Student Checking ) AND open your first new personal savings account on the same date between XX/XX/XXXX and XX/XX/XXXX with a minimum of {$15000.00} not on deposit with Citizens Bank that remains on deposit until date stated in the table below. To earn the additional {$100.00} bonus, you must qualify for both the {$300.00} and {$200.00} bonuses noted above. '' On XX/XX/XXXX, well within the 60 day eligibility period, I received a direct deposit to my account of {$510.00}. In my Citizens One Online Banking Portal, this was indeed confirmed as a " Direct Deposit. '' I have attached a screenshot of my online banking portal. 

According to the offer page, as somebody who opened my account in XX/XX/XXXX and completed my direct deposit requirement within 60 days, I was guaranteed to have received a {$300.00} " Balance Builder Bonus '' before XX/XX/XXXX. 

In mid-XX/XX/XXXX I called and spoke to a customer service representative who confirmed to me that I had completed the requirements and I would definitively be receiving the bonus before XX/XX/XXXX. 

On XX/XX/XXXX I called and spoke to a customer service representative named XXXX XXXX who confirmed to me that I had completed the requirements and I should have received my bonus. Ms. XXXX opened an investigation into the matter under case number XXXX, and promised me that somebody would be reaching out to me ASAP. 

It is now XX/XX/XXXX and I have received no communication, and have not yet received any bonus. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX IS ILLEGALLY DOUBLE REPORTING THIS DEBT THAT THEY SAY I OWE FROM XXXX XXXX WHICH IS ALSO SHOWING ON MY FILE AS A CHARGE OFF. IT IS ILLEGAL TO DOUBLE REPORT SOMETHING. I WOULD LIKE A VALIDATION OF THIS IN WRITING ALSO
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within XXXX days.
Product: Debt collection

I received a demand letter from XXXX  a collection company. XXXX is demanding XXXX for debt collection for XXXX XXXX XXXX XXXX XXXX.

This debt does not belong to me and is a result of identity theft. I have made serval attempts to resolve this issue with XXXX with no help.

XXXX is attempting to collect a debt which never belonged to me.

I demand this debt be verified and copies of all documentation for this account be emailed to me for discovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you doing? Why is it taken more than 60-90 days to respond to my student loan investigation? Listen, I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts? I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX   student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Product: Credit reporting or other personal consumer reports

I have tried tirelessly to get Transunion to investigate a matter on my credit report. It is for an unjust and highly disputed debt that a debt collector refuses to validate. I have repeated attempted to exercise my rights under state and federal laws to have this account investigated, but I can not even get them to acknowledge my dispute or take me serious. I have received one letter from Transunion stating they did not believe it was me who sent in my dispute correspondence, which I promptly responded to and even called them to clarify. To this date, I have not received a notice of investigation results or anything to suggest they took my dispute serious. 

I am disputing the XXXX XXXX XXXX- account number # XXXX in the amount of {$3400.00} for sendora ranch. Please realize this debt collector as also repeatedly ignored my requests to validate this debt that, this balance is disputed and I do not owe it. 

Also the account with XXXX XXXX, account # XXXX - this creditor agreed to delete this account from my credit report when I paid it, but here we are 1 year later still being on my report.
Product: Checking or savings account

I received a email from Bank of America that I had opened a account that I did not open
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Credit card or prepaid card

On XX/XX/2018 I submitted a balance transfer online with XXXX. It was to transfer {$6000.00} from Barclays or barclaycard to XXXX at 0 %. The transfer has not happened yet. I called XXXX first who stated that they first tried to do the transfer electronically but that Barclays rejected it so they had to send a check. Barclays has done this to me before with another transfer a couple years back. XXXX then sent a check on XX/XX/18 which has not yet posted either. I called Barclays and they claim they never rejected the electronic transfer and have not received the check. It does not take a week for first class mail. As a result, I have a past due payment at Barclays, the past due fee put me over my limit which is another fee, and the card is shut off. Clearly Barclays intentionally delays transfers and did this one to mete our revenge and get as much last minute money as they can before the balance goes away.