23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Carrington mortgage company defrauded us in terms of the covid forbearance modification in which we given by not modifying loan but instead taking XXXX and putting a lein on our house and now not taking payments and stating we are in foreclosure.
Product: Credit card or prepaid card

american express account ending XXXX i just received my XXXX bill and this isnt the first time that ive had the same issue with amex. not one alleged thing they said i approved has my signature to verify my purschase. i dont know how but if one attains your ssn number jeez every bill is via online. and ive written them and thy dont care they just ignore me.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I disputed a public record with experian they verified this said XXXX  was source I disputed with XXXX XXXX  they deleted and sent a update & disputed with them on on XX/XX/XXXX and they never responded and they also said they needed to verify my info to complete dispute on XX/XX/XXXX. Then they sent email saying they verified with XXXX XXXX and that was on the XXXX of XXXX and I just confirmed with XXXX XXXX that experian never investigated a second time or third time so or did they respond to there dispute or update on the file. This is causing me major financial amd credit issues and I am hiring a lawyer if this is not resolved they are violating FCRA laws and its really not ok .... 

This was my last dispute I disputed with Experian and they verified it after investigation and said the source was XXXX XXXX So i went to XXXX XXXX disputed and they deleted the inaccurate bankruptcy and said i would have to contact the bureaus myself so i did and it was removed from the other bureaus as they did an actual investigation and then Experian said it was verified and said the source of the Information was XXXX XXXX and so I contacted XXXX XXXX and they said they did not verify anything from Experian and they again confirmed that the bankruptcy was deleted so this is really messed up they are openly lying to me and this the letter i want to send them on my behalf but when i call they keep lying they violatied fcra and did not do a throughoh investigation i have documentation to prove it and i have written documentation from XXXX stating it was deleted and like i said the other bureaus deleted this. I am very upset I feel very misled and I am going to be filing a complaint with the XXXX and cfpb because you violated the FCRA and did conduct a proper investigation actually you did not do any investigation and you misrepresented and I now have undeniable evidence that you are giving false investigation results because I have In writing from your source of the info thats inaccurately reporting on my report and I know you did not do what you were supposed to and you denied me my legal right to dispute this information I am not happy I simply just want this removed from my information ASAP. I want this expedited because your negligence in the last investigation was nonexistent thank you
Product: Checking or savings account

On or about XXXX XXXX, 2022, Chime unilaterally closed my checking account without any prior notice or warning to me. 

I only learned of the closure when I tried to log in to my Chime account and saw a pop-up message that my account was closed and to contact Chime. I received no prior notice from Chime about the account closure. I also never received any communication from Chime that there was any issue with my account or that I need to verify/confirm anything. 

I had {$700.00} in the account when it was unilaterally closed by Chime. 

Upon learning of the closure, I immediately emailed Chime to confirm what happened ( the email is attached ). Chime responded that they could not tell me why my checking account was closed and that I am " not eligible for refund '' of my own money. Chime did not provide any reason and instead referred me to " review the section titled XXXX and XXXX in the Chime XXXX Account XXXX : https : //www.chime.com/policies/. '' The policy that Chime cites actually provides that Chime is to return any remaining balance in the account within 14 days of closure. Even without this clause in the agreement, I am confident it is illegal to withhold and not return customer 's money. 

I did not do anything wrong or illegal to justify the closure and withholding of my hard-earned money. Again, Chime did not ask me to provide any documents or verifications and did not alert me that there was something wrong with my account. 

Upon learning of the account closure, I searched online and saw that Chime has been in the news for closing accounts and refusing to return customer 's money, and I am among thousands of affected consumers. I also searched the CFPB database and saw that thousands of consumers filed complaints similar to mine. 

Chime violated my trust and I no longer want to have any business with this institution. I only want my hard-earned money back. 

I am asking you to kindly assist me in getting my money ( {$700.00} ) back I had in my checking account with Chime. I am also asking you to investigate Chime 's pattern of closing customers ' accounts and retaining customers ' money. 

Thank you.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX MEDICAL PAYMENT DATA XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MEDICAL PAYMENT DATA XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Checking or savings account

In XX/XX/2020 I opened a checking account with US bank I have always kept my account in good standing paying off any fees deemed necessary by the bank. I have had continued problems with federal agents in new mexico illegally accessing my bank accounts. I recieved my child tax care credits in the account and every month I was calling US BANK because they would manually rearrange all the transactions in my account every single transaction. The bank would hold pending charges for up to a month or not collect on pending charges for two months I brought this to the banks attention they said they would investigate and they never did. I continuously complained about every charge in my account being manually adjusted and charges never posting or pending charges and not releasing the money back into my account l. I would make drive-thru deposits with the teller and they would even give me the wrong receipts so if I would deposit {$25.00} they would give me a receipt saying I deposited {$40.00}. I strongly believe it was for federal agents who didn't have a warrant and whom the bank was illegally letting access my account. Fast forward in XXXX I was overdrawn XXXX I never had a problem I filed for my income tax to go in there only to learn that my bank account had been closed I CALLED YOU A BANK AND THEY SAID THAT THEY DON'T CLOSE ACCOUNTS UNTIL 4 MONTHS AFTER YOU'VE BEEN OVERDRAWN MY ACCOUNT GOT CLOSED 2 MONTHS LATER WHY?
Product: Credit card or prepaid card

I received a promotional offer 0 interest rate for balance transfer with Chase. 
The amount transferred was XXXX and charged XXXX dollars for transfer fee. on my first bill the minimum payment was XXXX dollars, I paid XXXX dollars they charged me for the next billing cycle {$5.00} arguing that the transfer fee was added as purchase and for that reason was charged with interest fee on my bill. I argued I pay more than minimum they never explained that to avoid any charges I will have to pay in the next build the {$5200.00}, I told them that is false advertisement because I will always have to pay 21 % interest if I have to use the card even if I paid the entire purchase item for next bill. 
at the end they are explaining something after they are charging me with something they added to my account is transfer fee no a purchase. below is their answer. 
I am closing all my accounts with Chase. I had balance transfer before it was not like that. looks like is a new practice. 

From Chase : XXXX, here 's what happens when you take advantage of a balance transfer offer : - You'll have a new promotional balance on your account. 
- As a result, you lose your interest-free period, also called your grace period, on new purchases unless you pay your entire balance in full each month. This includes any promotional balances that you added by using the offer. 
- New purchases include any fees added to your purchase balance, such as an annual fee, if it applies to your account. 
- You receive the promotional rate on balances you add to your account using the offer, but you will pay interest on your new purchases. 

We received your payment of {$510.00} on XX/XX/XXXX. We charged you {$5.00} in interest on the purchase balance. 

When you make payment towards the account, it will first be applied to your statement balance. If your statement balance is paid in full, the remaining amount will be applied to any current activity balance on the account. 

If you pay your minimum payment, generally, it will be allocated towards the - First balances with the lowest APR - Then balances with the highest APR Any payment amount above your minimum payment will be allocated like this : - First towards balances carrying the highest APR - Then towards balances with the lowest APR If you have two balances carrying a promotional APR at the same rate, balances that will expire soonest will be paid first. 

If you have two balances carrying a promotional APR at the same rate and expire at the same time, the promotion that posted to the account first will be paid first. 

Here 's your current annual percentage rate ( APR ) and the balances : - {$310.00} at 21.49 % variable for purchases - {$4600.00} at 0.00 %, good until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have fraudulent/ unauthorized inquiries on my credit report from this company : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

The accounts marked inaccurate include but not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 alleged fraud or extortion. 


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 Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$690.00} ; XXXX XXXX XXXX Balance : {$710.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00}
Product: Debt collection

Klarna has violated several of my federally protected rights due to an alleged debt that they are saying I owe in which they actually sold my information to a third party in which I never consented to do so. 

First violation Pursuant to 15 USC 1692 ( a ) - I have been abused because Klarna XXXX XXXX XXXX are stating that I owe a debt when I do not and Klarna XXXX XXXX XXXX are in violation of 15 USC 1692 ( b ) ( 2 ) as while they were contacting me they stated that I owed a debt which in fact they are not supposed to Klarna XXXX XXXX XXXX are in violation of 15 USC 1692 ( c ) ( a ) as I never gave any written consent for anyone to communicate with me regarding this alleged debt and never gave them my permission. 

Klarna XXXX XXXX XXXX are in violation of 15 USC 1692 ( d ) ( 2 ) as the term debt is obscene and profane language to me Klarna XXXX XXXX XXXX are in violation of 15 USC 1692 ( d ) ( 5 ) as I was contacted multiple times and it in fact annoyed me Klarna needs to compensate me for all violations per the Fair Debt Collections Practices Act that they failed to comply with the requirements in the Act and they are civilly held liable for such action. 

Please pay the attached invoice immediately.
Product: Credit reporting or other personal consumer reports

Equifax refuses to provide an investigative report pursuant to the FCRA, continues to report false, incorrect, and inaccurate information. Equifax reports information that is not authorized to be reported. Equifax reports information related to identity theft.
Product: Checking or savings account

XXXX : I opened an account with XXXX XXXX : my son opened an account with XXXX. 
He was a minor, I co- signed. Instantly : The available balance in my account never seemed to be accurate. I went into the bank to speak with the manager, he tried to convince me that I simply didnt understand a bank statement. I began to notice my money transfers not appearing. My sons account was involuntarily offset {$750.00} - with the explanation of : to cover my overdraft? - XXXX : they closed my account. 
XXXX : I demanded ALL my bank statements, I reviewed the statements I realized the bank had : posted my sons transaction on my account, paid checks fraudulent written from my account, involuntarily offset my account- had the wrong account number, seized my paycheck, didnt post my payments for a loan, didnt address any of my disputes and closed my account. XX/XX/XXXX I walk into the bank for my XXXX XXXX appointment with my highlighted bank statements and I am again, dismissed with come back later & maybe you can talk to the manager.
Product: Checking or savings account

On XX/XX/XXXX I deposited my tax refund check dated XX/XX/23 for the amount of {$5300.00}, I was a new customer of BMO with limited activity due to being a long time XXXX customer. I opened my checking account with BMO for the sole purpose of having a set aside account with my new wife that gives her access to our money. I had put away my tax refund check for an event where I felt it was necessary to use. I didn't have an issue depositing the check online. Which was the most convenient option since I suffer from XXXX XXXX. I received email notifying me of approved and processed deposit and received an availability date the following day. When the funds were supposed to be in my account, BMO locked my account due to my deposit being suspicious activity. I requested my funds to be accessible or if I can withdraw money at branch. BMO has held my funds even though I contacted the IRS and was told my check had been paid and funds were sent. BMO has no valid reason to continue to hold my money. They even sent me a new card in the mail today XXXX which I was able to activate but unable to use at all. If they require any information to help them resolve this they haven't done so. I have spoken to BMO almost daily and am having issues to access my account with the rep over phone because they stated they can't send the one time code to my phone to allow them access, but previously they successfully sent the code to the same number with no problem. The number has not changed but now they say my number isn't registered. I contacted XXXX to ask why is it that my number can not be confirmed to show me as the owner. XXXX stood on conference call to BMO to confirm this, but still BMO denied me to proceed with my initial reason I called in the first place.
Product: Debt collection

I have no recollection of this account I have never had XXXX XXXX before EVER. I do not owe this company nor do I owe or ever had a contract with CCS COLLECTIONS! They never sent me a letter and they have placed this account on my credit! They never let me know this debt was in my name or anything. I have had no contact with these people
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN INVESTIGATION Report Number XXXX Date Generated XX/XX/2022 XXXX Telephone number - Residential Deleted This item was removed from your credit report. Please review your report for the details. 

View Current Report XXXX Telephone number- Cellular Deleted This item was removed from your credit report. Please review your report for the details. 

View Current Report XXXX Account XXXX Updated The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 

View Details XXXX Account XXXX Verified and Updated XXXXXXXX XXXX Account XXXX Updated The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details.

Statement : All inaccurate information.

The issues were not resolved numbers have been deleted witch shows inaccuracys within data.

15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish a account without my written instructions I XXXX XXXX did not give Experian any written consent to furnish any accounts on my credit report 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. 


These accounts are displaying adverse information. That is effecting my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have leased a  XX/XX/XXXX    XXXX   XXXX   since  XX/XX/XXXX . My monthly payment is  XXXX . I requested a deferral of two of my lease payments for the months of  XX/XX/XXXX  and  XX/XX/XXXX . On  XX/XX/XXXX  and  XX/XX/XXXX , I paid two deferral fee 's of   XXXX    each. I was told that the payments for the month of  XX/XX/XXXX  and  XX/XX/XXXX  would be added to the end of my lease. My credit reports show for the month of  XX/XX/XXXX  and  XX/XX/XXXX  that I am 30-59 days late. I also made two payments on my lease in  XX/XX/XXXX  with the final payment being made on  XX/XX/XXXX  and  XXXX  reported me 30-59 days late the same day that my payment posted. I have asked the credit dispute department to remove these items from the credit bureau 's. They did remove the marker for  XX/XX/XXXX   but declined to do anything further. This is impacting my life. I have now had  XXXX  of my older credit cards reduce my credit limit by  XXXX  dollars due to the way  XXXX  has reported.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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 XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - BALANCE {$420.00} Account Name : XXXX XXXX XXXX XXXX XXXX - BALANCE {$3600.00} Account Name : XXXX/DOFED # XXXX - BALANCE {$2000.00} Account Name : XXXX/DOFED # XXXX - BALANCE {$3500.00} Account Name : XXXX/DOFED # XXXX - BALANCE {$2000.00} Account Name : XXXX/DOFED # XXXX - BALANCE {$2000.00} Unauthorized 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I just downloaded my credit reports from XXXX XXXX XXXX on XX/XX/2024. I'm noticing that some accounts on my credit report are incomplete and inaccurate, which is a violation of 15 USC 1681e ( b ).

I've also noticed violations of 15 USC 1681s-2 ( a ) & ( b ) and 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ). At this point, I believe that I am purposely being treated unfairly and that the credit agencies are not following reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

It's very apparent that the credit agencies are telling me the consumer that everything has been verified, when they're not conducting verification with the creditors, because I've requested validation several times and my reports are still all inconsistent. Therefore, XXXX has already deleted 7 accounts from my credit report, which I'll supply documentation as evidence here and hope that the other 3 major credit agencies will do the right thing before I have to take further legal action.
Product: Credit card

In the XXXX transition to XXXX debacle, I was denied access to my XXXX statements and records. When I got onto my XXXX account, I was not able to access my records. I was not able to access my records on XXXX because I was n't sent a XXXX card. I assume if I never get a XXXX card, my XXXX records would be lost to me forever. 
Would that be legal? Can a credit card company deny me access to my records?