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

I bank with Chime. 
Saturday XXXX at at XXXX I went to an Atm listed on their app. The ATM is located inside the XXXX at XXXX XXXX XXXX, XXXX Ma XXXX. The ATM was running very slowly and lagging from screen to screen. I requested a {$300.00} withdrawal. The screen switched to what appeared to be a pending message? There were gears pictured on the screen. Eventually the screen changed to say cash dispensed. My cash was not dispensed. I immediately contacted XXXX ( the number pictured on the ATM ). I was informed they couldn't help me. I took my receipt and then proceeded to call Chime. They wouldn't allow me to start a claim until Tuesday XX/XX/XXXX. Now today, Thursday XX/XX/XXXX I'm informed my dispute is closed. They refuse to reopen my claim or inform me if the ATM was audited. They also refuse to refund my {$300.00}.
Product: Checking or savings account

While banking with Wells Fargo, I was on several occasions charged overdraft fees on my checking account. This is while I payed for overdraft protection. I ended up essentially being banned from Wells Fargo for refusing to pay what were exorbitant fees that often stacked up. 

Then there was the issue of Wells Fargo giving what were ultimately temporary refunds for items that I reported difficulties getting my refund for whatever reason. Often XXXX a pain and its easier to make a claim with your bank. XXXX XXXX marketing on the refund policy is misleading at best. Ultimately what triggered too many of my overdraft rabbit holes, were temporary refunds being retracted, which would overdraft, and start the madness. I rarely was ever able to get maybe one fee removed but the rest would be mine to pay, they make it seem like youll be protected, and the give you the refund just to take it back, usually after youve spent it,
Product: Credit reporting or other personal consumer reports

I am writing to dispute several accounts on my credit report that I believe are a result of fraud. Please investigate these items as soon as possible and remove them from my credit report. 
Below are the details of the fraudulent accounts : Account name : XXXX XXXX  Date opened : XX/XX/XXXX Total amount : {$470.00} Account name : XXXX XXXX XXXX In Date opened : XX/XX/XXXX Total amount {$0.00} I did not open these accounts or authorize anyone else to open them on my behalf. This is a clear case of identity theft, and I request that these fraudulent entries be removed from my credit report immediately. 

Enclosed with this letter are copies of relevant documents supporting my claim of identity theft. 
Please investigate this matter promptly and provide me with a written confirmation of the actions taken to resolve this dispute. I also request that you provide me with an updated copy of my credit report once these fraudulent accounts have been removed. 

Thank you for your immediate attention to this matter.
Product: Student loan

To Whom it may concern After reviewing my credit report I have noticed several errors and inconsistencies regarding my closed student loan account with the creditor Navient. The first late payment was on XX/XX/XXXX and the first date of delinquency is XX/XX/XXXX, which means the day loan should have fallen off my report on XX/XX/XXXX, but it remains there and has had an adverse effect on my report. I am asking that all Navient accounts be remove and deleted from " XXXX  '' for violating the FCRA. I have highlighted were the first late payment was and the first day of delinquency. I have also attached and highlighted a document where the CFBP had the creditor Navient account deleted from my XXXX  profile, but the same account is still being report erroneously on XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim oXXXX XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

victoria secrects late XXXX of XXXX {$35.00} XXXX XXXX XXXX XXXX XXXX late XX/XX/2022 {$41.00} 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 FURNISHED AN ACCOUNT WITHOUT MY CONSENT.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Product: Checking or savings account

I deposited {$6500.00} XX/XX/XXXX at sun trust bank, XXXX XXXX, XXXX, Florida XXXX, XXXX, they said my money would be available in 7 days, on XX/XX/XXXX, I tried to log into my acct and I couldnt, I called them and they said the acct was being closed, and they would mail the money to me in 10 to 14 days, the checks had cleared both business acct that checks were written on, but they wouldnt refund my money directly, Im a XXXX year old man trying to relocate to XXXX from XXXX, I find this very disturbing as well as financially uncomfortable, the bankers name is XXXX XXXX, also XXXX XXXX at another branch location, upon talking to bank regulators in XXXX and XXXX XXXX I found out, similar complaints were not uncommon, as these where the states I had to call to try to get some action on my predicament, I find this action unbelievable to be allowed in our banking systems, any and all assistance would be greatly appreciated, respectfully, XXXX XXXX, XXXX XXXX XXXX
Product: Mortgage

I lost my part time job due to the Convid-19 virus and I called my load servicing company, New Rez Or Shellpoint Mortgaging Servicing, to defer my payment for a few months. The company told me I can defer payment for three months, but I will have to pay it back in a lump sum after the three months were up. That of course is ridiculous since it will be difficult to pay my mortgage now, tripling it in 3 months will be impossible. I spoke to an XXXX spokesman who said borrowers with a XXXX or XXXX  mortgage arent required to pay back their forbearance in a lump sum.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXXXXXX Balance Owed : {$520.00}
Product: Credit card or prepaid card

In XX/XX/XXXX, I paid off the balance on my Bank of America card in an attempt to become debt free.

I was passed in to a Specialist and that person tried to get me to stay and I refused. He then said I see you have another card with $ XX amount on it. We can transfer that balance for you.

I asked him how did he know that and he explained that since I have a card they have access to my report.

Question : is he supposed to use my credit report to cross sell me into maintaining an account that Im trying to close?

I told him to close the account and that I was not interested.

Today,XX/XX/XXXX, I received an email about my account that prompted me to look at the card. When I went online I noticed the account is still open with my same limit!

My wife and I are Military and will be XXXX  soon. We paid off things to clear and restore our credit.

I feel betrayed because I trusted they would do the right thing and its almost 3 months and the limit has been setting on my credit. It is potentially impacting my score
Product: Debt collection

I have sent in several letters asking the credit bureaus to validate the debt. I have yet to receive this from the company. I sent letters on XX/XX/2018, XX/XX/2018, and again on XX/XX/2018. 

On XX/XX/2018 my cousin told me that he found this on the internet : I did contact this company but I am not sure if this is the company that is reporting this info on my credit reports. They asked me for some of my personal information and I did NOT give it to them. I see that they have bad reviews. 

XXXX XXXX XXXX XXXX Open 2 on XXXX XXXX XXXX XXXX XXXX, XXXX, NC ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2018, two accounts through XXXX XXXX XXXX XXXX appeared in my credit report showing charge-off/delinquent. These accounts were previously removed from my report due to dispute. One of the accounts was removed from my equifax report but the other one still exists on there. The two accounts still remain on my TransUnion report. This error has caused me to be declined when trying to obtain new credit lines/accounts due to the affect it has on my credit.
Product: Credit reporting or other personal consumer reports

I am requesting that the following inaccurate and Fraudulent items be immediately investigated and Deleted. This misleading information in order to show my true credit history. I demand that the following items be re-verified and deleted from my record in the next 4 days I have attached the FTC report along with my SSI and Driver 's License. 

This item do not belong to me. 

Company Name : XXXX XXXXXXXX XXXX  Date : XX/XX/2022 ( Collection ) Address : XXXX XXXX XXXX City : XXXX XXXX : XXXX Zip : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2012 my account reflects 90 days past due XX/XX/2012 my account reflects 120 days past due This applies to both loans. My account was current and no past due as reflected.
Product: Debt collection

I do n't have an account with Capital One which has sent an account listed in my name to an Attorneys office for collection. 

This account was written off 2 years ago according to the letter attached with Capital One. This account was opened " online '' which was not by me, therefore, Capital One does not have a signed contract from me.

Capital One has agreed to Cease and Desist their collections. 

However, I just received a notice from : XXXX XXXX, XXXX XXXX XXXX XXXX OF XXXX, STATE OF NEVADA regarding Capital One Bank vs XXXX XXXX. 

They want to file a Default Judgment on me. 

This is not my account. 

Capital One has Ceased all collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Iam a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with XXXX XXXX XXXX /Rent recovery solutions this debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify these businesses and tell them the debt is the result of identity theft. All of my personal Belongings were in a uhaul that was stolen from in front of my hotel while i was staying while moving. i lost all important documents birth certificates, ss cards pictures wedding documents everything. I was not even living in the state of Michigan at the time that this debt incurred I have enclosed a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : inform Rent Recovery solutions/XXXX XXXXXXXX XXXX XXXX the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX XXXX
Product: Mortgage

I submitted several loan modifications packets through Chase to save my home, they kept having me resubmit, losing documents and changing my relationship manager several times. I even tried an outside company, only to get scammed out of over {$1000.00}. Keeping in mind my income had increased by {$25000.00} since the initial purchase of the home and they said that my income was not enough to approve the modification. At my wits end, I entered a Chapter XXXX bankruptcy to try to save the home but the structure of the payments were much more overwhelming than a simple loan modification. My spouse and I decided to surrender the home under the protection of the Chapter XXXX process. We did so with the understanding from our bankruptcy attorney that the surrender of the home would be in full satisfaction of the debt and that we would not be charged with a foreclosure. We surrendered the property, which is located in XXXX and moved to XXXX 2 month ago. We had completed all payments to the bankruptcy and was given an order from the court to incur post petition debt to purchase a home. We are now one week from closing ( XXXX XXXX, 2016 ) only to find out that Chase is foreclosing on the Louisiana home and as a result I can not get the VA home loan to complete the purchase. I am submitting this complaint against Chase because I believe that they intentionally kept encouraging then denying my application for modification, subsequently feeling coerced to file bankruptcy to save my home and salvage my credit. I believe that Chase 's modification process at the very least is flawed but at the other end of the spectrum may even be fraudulent. Chase representatives lost paperwork and the constant change of relationship manager made it impossible to establish or maintain continuity of process. The negligent workmanship regarding the process was done with careless and reckless disregard and as a result, has caused me financial and XXXX injury. As a XXXX, XXXX veteran and am appalled at Chase 's lack of candor regarding business practices and they should be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX after having been denied online access to my Equifax credit report, I sent a FACT ACT credit report request form for Equifax, XXXX, & XXXX. As of XX/XX/XXXX, I've received all BUT Equifax. After being denied credit on XX/XX/XXXX, Equifax refused to send yet another report. The company falsely told the XXXX XXXX XXXX I was previously sent a report & have received NONE. Again as of XX/XX/XXXX I have not received ANY Equifax credit report. This is a willful denial of my rights under the Fair Credit Reporting Act.
Product: Payday loan, title loan, or personal loan

One Main has reported incorrectly on my credit report which is presently being reported negatively on my XXXX Credit Report, I have attached the changes that they have made to my account which clearly shows incorrect reporting in certain months, Per the FCRA this account needs to be corrected and removed from my credit report. I have suffered credit denials and adverse credit decisions due to the erroneous reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- right to privacy
604 A section 2
Usc 1681c (A)
Usc 1681s-2 (A) (1)
Also states consumer reporting agency.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXXXXXX balance {$62.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

This is in regard to the use of the app Square for my small business XXXX XXXX XXXX  to a XXXX XXXX XXXX XXXX I know personally XXXX XXXX XXXX XXXX XXXX XXXX 

I have used the app as a point of sale and mobile way of charging clients for my services without issue for a few months now, receiving and transferring out payments with ease until tonight. 

On XX/XX/XXXX I provided services to a client of mine totaling {$670.00}. I generated a payment link for her within my app and sent it to her. After checking that her ID matched her payment card, she paid for the services on her own device via the link I provided. 

Immediately afterwards, my balance in the Square app showed as {$0.00} and my funds were NOT available to cash out without any explanation as to why. Until I went to the online version of my account and checked my email, I did not see any explanation. Online it said to prevent fraud they were holding my funds until they could verify my identity, despite the fact that Ive already done this. They asked me a number of questions about my business, bank account, and the transaction. I provided all necessary info and they said they would get back to me in 1-2 days. 

This is not right and is an unlawful withholding of funds that are legally mine. Theres no reason that this should be flagged as fraud and no reason that I shouldnt be able to access my hard earned income after Ive already XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, everything on my credit report must be 100 % accurate. 
My account was properly investigated, according to the credit bureau, but how is that possible when the open date, date of last activity, and date of last report are all incorrect? This ground for evacuation likewise abused my freedoms under.I have the right to privacy, as stated in 15 U.S.C. 1681, section 602 A.Section 604 A of 15 U.S.C. 1681, Section 2 : Additionally, it states that without my written instructions, a consumer reporting agency can not provide an account.Additionally, it took the credit bureau more than a month to finish my investigation. Here is my certified mail.tracking # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX