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

XXXX XXXX Deposited $ XXXX into my relatively new Laurel Road savings account. Then saw on XXXX that many savings account customers were having issues where XXXX flagged their account after a larger deposit, locking them out and even closing their account. 

A few days later, early XXXX, I could not log into my account, it was locked. I received a letter stating XXXX was " ending their business relationship with me. '' I've recorded every customer call I've made since. 

It's been over two months, and although they've closed my account, I do not have my $ XXXX, they have it still. Over the course my phone calls to customer service, I've been told ( in order ) that ( 1 ) the $ XXXX would be wired back to my XXXX account from which it came ( it wasn't ), ( 2 ) that I then needed to 'prove " the XXXX account was mine, although it was connected and in my same name and Laurel Road ACCEPTED the wire and it was in my account, ( 3 ) once I sent them back my copy of my drivers license and XXXX bank statement to prove the account was mine from which the $ XXXX was wired into XXXX XXXX they needed 3-10 business days. 

I'm now past that mark, with no update and no $ XXXX. To be clear, THEY closed my account in early XXXX, but are holding on to a $ XXXX ACH deposit I made from my XXXX account. Where is the money? In their own interest-bearing account? How can they keep my money when they closed my account? 

The XXXX thread speaks volumes : XXXX XXXX XXXX
Product: Checking or savings account

My issue is with Chime and XXXX because when i noticed that my funds were missing for the total amount of XXXX we filed the dispute on my behalf on XX/XX/XXXX for the multiple transactions that were unauthorized on my chime checking account, they told me over the phone that it would take 10 business days to 90 days to complete the investigation ; they also assured me that they would provide the temporary credit if they could not resolve the issue on XX/XX/XXXX i had a notfication and email that my claim was denied and they didnt provide any evidence as to why they came to that conclusion within a day and they didnt provide me a proper reason as to why my claims were denied ; they also closed the case with in a day, they arent adhereing to regulation E ; I will be attaching the email that i recieved from chime and that they denied my dispute within a day without giving me a reason, i never told them an error occured i told them that my account has unauthorized transactions on my checking acount.
Product: Credit card

XX/XX/XXXX I mailed a letter to Wells Fargo requesting a 1099c for an account that was charged off XX/XX/XXXX. I followed up with Wells Fargo in a recorded call on XX/XX/XXXX and was informed they would issue my 1099c within 7-10 business days. After not receiving the 1099c, I followed up with XXXX with Wells Fargo whom stated in a recorded call that I would not be receiving a 1099c and it was an error on their side. The reason was they require me to wait 3 years from the date they charge off. 
Per the IRS, It is required to be sent out the by XX/XX/XXXX of the following year. The IRS stated Wells Fargo is committing fraud by failing to provide the required document and falsely reporting to the credit bureaus on a charged off account. In turn causing immense damage to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, CITICARDS CBNA XXXX Open Date XX/XX/2010 Balance : {$7200.00}
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. 

To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my TransUnion consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ).

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

I have not initiated any transaction with Credit Plus, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Specified Remedy : Please send payment Via Check Payable to XXXX XXXX XXXX XXXX XXXXXXXX, Georgia XXXX Yours Sincerely XXXX, XXXX
Product: Mortgage

Loan was sold to XXXX XXXX before my knowledge. I sent in a request to the original owner/servicer for Covid Forbearance ; XXXX XXXX, XXXX without knowing about the transfer. I received a letter stating transfer of ownership and change of servicer to CMC Funding c/o SLS ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CO XXXX on XX/XX/2020 ( " CMC '' ). I reached out to the new servicer CMC that week and was told to call back next week because I was not set up yet in their system and could not make a forbearance request. First payment was due XX/XX/XXXX. I made several follow up calls and was then told I would not be set up until 5-7 business days after XX/XX/XXXX and could not make a forbearance request until after i was set up. CMC has had my information since XX/XX/XXXX and I'm still unable to make a request according to them. Even though the calls are recorded and they make notes, I keep getting different information each time I call. Some telling me they would submit my request and even email the onboarding team and the forbearance request team ; others telling me to keep waiting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/21 I disputed this account ( XXXXXXXX XXXX ) that it showing inaccurate payment history for ( XXXX mos ) showing 120 days consecutively late. How can this be accurate? " Correct Rating XXXX '' are suppose to show XXXX, etc. I have repeatably requested that this account be validated and to this day you have not corrected this information. FCRA states that information must be verifiable and 100 % accurate! I Demand that you update this account to show " PAID AS AGREED '' or I will litigate this due to the stress that you have cause me.
Product: Student loan

Hello, In XXXX, Mohela sent an email that I would be receiving my tax document for XXXX student loans. They also gave the option to go paperless. When you click on the button, the page is not found. I have already repeatedly called and my attempts to reach a live person over the phone or via email has been unsuccessful. I tried to create an account, and my information can not be found. When I logged into Aidvantage - there are no tax documents to be found. I do need assistance to make sure this is not a scam, and I need my tax document, as I have an upcoming tax appointment, where this information is required to file.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demand for Method of Verification Unverified Account Dispute To Whom It May Concern : TrueAccord XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX I am writing regarding an account reported on my credit file that I believe is inaccurate and unverified. I recently reviewed my credit reports from all three major credit bureaus, and this account does not appear to have been properly investigated. 
Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy of any information you report and conduct a thorough investigation when a consumer disputes the validity of an account. Based on my review of reports available to me, I believe this account is inaccurate, and your failure to properly verify it is unacceptable. 
I am also aware of the recent lawsuit involving the Consumer Financial Protection Bureau ( CFPB ) and XXXX, which highlights failures in proper investigations and handling of consumer disputes. I urge you to ensure that your practices align with the standards required under the FCRA. 
To resolve this matter, I demand the following : 1. A detailed Method of Verification ( MOV ) that outlines how the information for this account was verified, including : The name and contact information of the party who provided verification. The exact steps taken to investigate my dispute. 
Copies of any documentation used during the investigation process. 

2. Immediate action to either perform a thorough reinvestigation or delete the account from my credit file if verification can not be properly substantiated. 
Please note that under XXXX U.S.C. XXXX ( a ) ( 7 ), I have the right to be provided with a detailed description of your reinvestigation process and the method by which you verified the account. Your failure to provide this information will leave me no choice but to escalate the matter further. 
If you can not verify this account within the legal timeframe, I demand its immediate deletion from my credit file. Continued reporting of inaccurate information is a violation of federal law and may result in a complaint filed with the CFPB, my states Attorney Generals office, or further legal action. 

This company continuously harass me in emails, phone calls, and mail. I never conducted business with this company nor did I ever shared any of my personal information. My information was given to this company and that is considered fraud. The emails, calls and mail is addressed to a XXXX XXXX Im not aware of that name. My name is listed above and that is my ONLY name. 

I expect a written response with the requested information within 30 days of your receipt of this letter. Please send all correspondence to the address listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, and XX/XX/XXXX, my personal credit score dropped XXXX points on Experian 's website. The score reported on XX/XX/XXXX caused my Fico8 score to drop from Exceptional to Very Good. On XXXX, XXXX my score dropped from XXXX to XXXX and on XX/XX/XXXX. XXXX my score dropped from XXXX to XXXX. The later drop was based on a reported XXXX XXXX card balance of XXXX US Dollars, This was THE ONLY balance on all of my credit period. I made inquiries to Experian as my information has been breach by them in the past. After numerous attempts and transfers through Experian 's not consumer friendly phone tree, I was able to speak to representatives. The CSR 's blamed me for not having a loan or mortgage reported or suggested I hire a licensed credit counsellor. They claimed this drop was ultimately my fault. XXXX and XXXX did NOT reflect any drops in my scoring at this time. Experian makes it extremely difficult to resolve a problem in an expedited fashion.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I received an email notification from Affirm.com stating a loan in the amount of {$680.00} had been approved. I immediately notified Affirm.com that this loan was fraudulent. I suspected that someone who had just taken over my old phone number had gained unauthorized access to my account. They told me that in order to file a fraud report with them, I needed to contact the merchant, XXXX, a website that I had never used and let them know about the fraud. I did that and emailed them and never received a response. The rep from Affirm.com also asked me to file a police report, which I did in my local jurisdiction. On XX/XX/year>, I received an email from Affirm.com that the dispute had been resolved against me and I was now responsible for the fraudulent loan of {$680.00}. Can someone please help me? I don't want this fraud to impact my credit score. I should not be responsible for fraud on my account. In fact, I haven't Affirm.com in years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went to check out a new car at XXXX. After careful consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I noticed a couple of items on my report that are not mine. These items need to be deleted from my credit report : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, CHAPTER XXXX BANKRUPTCY  There are also inquiries on my credit report that should not be there either : XXXX/XXXXXXXX-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
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting

I HAVE DISPUTED THESE ITEMS TO BE REMOVED BE OFF MY CREDIT REPORT AND IT SEEMS AS IF THEY REFUSE TO REMOVE THE ITEMS OFF MY CREDIT REPORT FROM ALL OF THE XXXX OF THE CREDIT BUREAUS AFTER ATTEMPTING TO DISPUTE MULTIPLE TIMES. I HAVE SUPPORTING DOCUMENTS THAT SUPPORT MY CASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexisnexis has been listed as the furnisher of public record information for XXXX, XXXX, and XXXX. I have provided recently a court signed document expungement of bankruptcy case XXXX filed on XX/XX/2019. This was a human error that wasn't created as a new filibg. The document state that error. I emailed Lexisnexis the document included their case information on the email, and had previously in the same disputed request have provided Lexisnexis with a copy of my drivers license, mail address. Yet, Lexisnexis, XXXX, XXXX  and XXXX   are not removing this erred bankruptcy case. I have provided all 3 reporting agencies with my driver 's license and mailing address via dispute and through Cfbp complaints filed through out XX/XX/2019. I want this corrected on my credit report. It is causing great distress.
Product: Credit reporting or other personal consumer reports

I can't cancel Experian membership online since they only allow cancellations via phone number. When I call number, I'm in a loop and can't cancel the membership. I called several times but was disconnected.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TransUnion Consumer Solutions. I believe these late payments are erroneous and do not accurately reflect my payment history. 

XXXX XXXX XXXX XXXX XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed in my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorney fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Debt collection

Dear CFPB Thank you for hearing me again over the last 8 yrs. we have been dealing with several accounts that was done by Fraud/ Identity theft. When I was living out of the country for those 8 years. You guys helped me get these accounts removed over 6 times in a 5 yr period. 
The creditors found out they was fraud and removed them as you guys recall I had to get the police and Attorney General involved. Now the same company has Sold the account to the Collection agency thats listed. 
My Life has been destroyed if you guys recall I been fighting this for years and even had a massive XXXX XXXX over it, and I have been rejected from Jobs, school even a place to live. Im XX/XX/XXXX because in my city you cant have collections you cant rent. Even someone had got two evictions on my name when I was out of the country. 
I went to save lives and my life was being destroyed, the collection agency has been Ruthless and pure evil to me, not wanting to listen or even understand. I also the collections agency put it meets FCC regulations and I Agree it should be on my report. I DO NOT AGREE, and the company Lied and stated I agree. 
I swear on my soul my Identity had been stolen back then and even I had Several Security breaches from the DOJ because I support XX/XX/XXXX. I cant get Hired with these collections. 
Im not a liar and I promise you I did not open the account and I had proven that several times, the issue is how much more suffering will I go through. Because I was found incent and when they SALE these accounts it start all over. 
With my line of work with XX/XX/XXXX I cant have collections, or I would get fired, and I did not do these things and should not have to pay for these things. The collections are not large but still I did not do this. And to suffer from 2013 to current is insane. 
IM XXXX OVER THIS AND CANT GO BACK TO WORK UNTIL ITS CLEAR. They dont want to see anything thats negative. why do I have to lose my whole life and now during a pandemic every time this pops up on my reports, I get Fired and lose my Apartment. Because they check our credit monthly. 
I need you guys Help again to get this deleted please completely and for them to stop asking me to send more documents, because they dont have full documents and they are using what I sent in against me to build a case to stick me with a bill I dont owe. 
DID YOU GUYS KNOW THATS WHAT THE COLLECTION AGENCY BEEN DOING TO ME? Im dying out here help me get this deleted again. Thank you
Product: Checking or savings account

Citibank sent my debit card to the incorrect address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The correct address is XXXX XXXX XXXX XXXX XXXX XXXX. Since I do not have a debit card, I was unable to enter a PIN to authorize an electronic transfer because there is no PIN set. I have now been locked out of my account and can not login online. Due to this, I can not access the account number. Support is unhelpful in this and asks for paper statements- even though Citi does not offer paper statements to their customers.
Product: Credit card

SynchronyBank Statement ( XXXXXXXX  ) attached in Complaint XXXX states : PAYMENT OF AMOUNT IN DISPUTE {$1800.00} NOT REQUIRED ; this means that Synchrony Bank must credit my card with {$1800.00} not {$1200.00}. 

2. ) i was illegally charged interest on a Promotional in XXXX  while already on a PROMOTIONAL and while DISPUTING " purchase '' since XXXX. 

3. ) i didn't purchase anything in XX/XX/year> as SynchronyBank continues to claim without Evidence for this {$30.00} PURCHASE of XXXX. 

4. ) i was illegally charged Late Fees while DISPUTING " purchase '' since XXXX.