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

I opened an account with Chime in XXXX  and deposited money from a 401k loan. 
I then took the money to pay off my back mortgage payments, so I would not lose my house. 
After that, I had around {$1100.00} dollars left in the account. A couple of days after the transfer to my mortgage company, Chime suspended my account, refused to tell me why, and said I could not have the rest of my money. 

Chime has a lot of complaints about this type of behavior. Some links are below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am a federally protected consumer and Carmax has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.
Product: Credit reporting or other personal consumer reports

Ive tried to dispute these items on the report and have gotten no whrere since XX/XX/XXXX to XX/XX/XXXX per 15 usc 1681i 15 usc code 1681S-2 15 usc 1692g
Product: Credit card

I booked a trip to get married with XXXX XXXX. They offered me a feature to pay 1/2 now with a credit card and the rest would be paid in installments through XXXX. 

The day after we booked the war started in XXXX. We were advised not to go. I cancelled the trip and was issued the full refund. XXXX refunded me with 48 hrs. CHASE is refusing to refund me the deposit taken in the amount of {$3700.00}. We have gone back and forth for three months. Today they were supposed to have issued a refund. CHASE states they were unable to refund me because XXXX has not sent them the appropriate documents. I have spoken to XXXX that tells me the complete opposite. I have XXXX accounts with Chase and have never been so angry. I plan on cancelling them all. No one is helping me with this {$3700.00} charge. I dont know what to do or who to turn to.
Product: Credit reporting or other personal consumer reports

I have asked over and over again for the bureau to provide validation. They have failed to do so when i have disputed this matter. According to FCRA section XXXX it is illegal to report information on my credit profile without my permission. I ask that you please remove the XXXX XXXX from my credit profile. 

Thank you please remove this once and for all. This has been a nightmare and the bureau is in violation under FCRA Section XXXX Thank you.
Product: Debt collection

I have information reported on my credit from Portfolio Recovery Associates for an incorrect amount. When I called the original creditor XXXX XXXX  for XXXX XXXX Visa they advised me that they did not have any records of an amount I owe, they just stated to call Portfolio Recovery Associates. So if they original creditor advised over the phone that they do not show how much I owe. How is that Portfolio Recovery Associates can report to my credit? And now they have some attorney 's office XXXX XXXX involved as well. When I called Portfolio Recovery Associates they would not provide any info other than XXXX XXXX which is another debt collector. So you have a debt collector trying to collect for another debt collector.. XXXX XXXX are stating they can provide proof of the debt only, but not the original contracts or statements.
Product: Student loan

I made arrangements with Shermeta law firm in XXXX Michigan to pay XXXX $ a month. Every month I received a payment envelope and statement. Last month I did n't receive one. So no money was sent. They said they sent one. My account was garnished taking my car insurance and tax payment money. i think they did n't send me a statement on purpose. I wonder how many other people have had this problem. they said it was my fault and that I should have called them. I save every month so that I can pay my insurance bill in one payment. I would like that money returned. Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

company is currently reporting a negative listing to the XXXX major credit bureaus ( XXXX, XXXX XXXX, and Equifax ) regarding the above referenced account. Based on my recollection and my records, I can find no reason for you reporting such a history. If you'll review your records I think that you will find your reported notations are inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in total disagreement with the investigation response. The incorrect items listed below still appear on my credit report, even after their investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
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 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 Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.
Product: Credit reporting or other personal consumer reports

i was a victim of the social data breach i checked my credit and there are account and unauthorzed inquiries on my report please help removing this. this is unffair see attavhed
Product: Credit reporting or other personal consumer reports

Im writing to urgently request the removal of this account from my credit report. It is currently in pending litigation, and as such, it is not an accurate representation of my credit history.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name 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 Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following i information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX XXXX payment in the amount of {$1000.00} for XX/XX/XXXX is incorrectly showing 30 days late on my credit report. It was not late. 

If you look at the attached XXXX  response letter ( dated XX/XX/XXXX ) to the Complaint, you will see that XXXX did not deny that XX/XX/XXXX is incorrectly showing 30 days late, but said I should take up the issue with XXXX. To me, thats the same as saying its XXXX fault ( the error is on the credit bureaus end ) that caused the XX/XX/XXXX payment to incorrectly show 30 days late. 

Therefore, since the XX/XX/XXXX payment was paid on time, and is incorrectly showing 30 days late on the TransUnion credit report also, I am requesting that TransUnion correct the credit report by removing this XXXX late payment.
Product: Credit card

The XXXX stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.
Product: Mortgage

Have sent in excess of 8 emails to a PNC VP rep about not being able to make my mortgage payments from my PNC bank accts... ..its been months and no replies and no remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Someone tired to open accounts using my information. I called Equifax and told them about the fraudulent unauthorized inquiries but they refused to investigate. Now I filed an identity theft report, CFPB report and attached with all my personal documents to verify my identity in order to get these fraudulent inquires removed. 

The following Inquiries reporting are unauthorized and fraudulent. Please remove from my credit report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), you are required by federal law to clearly and accurately disclose all information in my file at the time of this request. Please respond with verifiable proof of an original consumer contract with my signature that you have on file for the inquiries above. By law, unverifiable inquiries must be removed.
Product: Mortgage

My loan servicer ( bank ) has not paid the second installment of my XXXX property taxes to my county. My taxes have been sold in a county Tax Sale. 

Those taxes are under a Property Identification Number ( PIN ), before the property was divided into two (? ) or more parcels. 

The XXXX property taxes are under a different, new PIN. 

The bank was given the old PIN in XXXX of XXXX by me via an email. 

The bank was given the new PIN in XXXX of XXXX by ne via an email. 

The XXXX email enclosed for the bank the county Tax Sale Redemption, Delinquent Inquiry form, as well as the amounts ( taxes, interest, penalties ) due ; as well as my attorneys name, address, telephone number and fee. The email also included my loan number. 

A check of the banks computerized records, no property taxes have ever been paid by the bank. 

No action or response from the bank has been received. 

The bank will not allow me to speak to anyone in the banks Tax Department ; I can only telephone bank customer service representatives. No one from the bank will get back to me regarding this matter. 

The bank needs to pay the property taxes, interest, and penalties to the county ; as well as pay my attorneys fees.
Product: Credit card

I am unable to access my eBay MasterCard credit card account online. I have called multiple times to PayPal and eBay to get help and am transferred to multiple operators and back and forth to eBay and PayPal without resolution.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Removal of inaccurate name and addresses listed on credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported a business account late on my personal credit. I was not aware that any amount of money was owed on this XXXX credit card. My company is a non profit and My business office closed due to the XXXX! So I never saw any mail regarding this card. I take pride in my credit and have NEVER paid any account late. This particular card was not used often and once the last payment was mailed XX/XX/2020 i thought the card had a {$0.00} balance. I later received notification from XXXX by email to say check my account because a notice was sent regarding them closing my account for none payment. That same day i paid the account in full and asked to speak with a XXXX regarding the XXXX XXXX late payment. The account closure email is what alerted me. XXXX never emailed regarding late or missed payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX stated that an additional {$500.00} was due on a lease that was always paid on time. The vehicle was totaled and XXXX handled the case. XXXX sent payment that was cased ( copy attached ) in XX/XX/2020. Six months after accident due to XXXX not sending paperwork correctly. Can have XXXX provide information on that statement. 
XXXX said the {$500.00} was not due XXXX, I can request phone recordings. 
Attached is paperwork with the {$15000.00} XXXX that is listed on paperwork. There is one sheet that has a higher amount, that does not match the check. My lease sis not have a deductible in the lease. The {$500.00} was paid after XXXX bulk reporting several months of late at once and after XXXX informed me that the {$500.00} was not due to XXXX. XXXX says they can not remove the reporting, in actually they can. Nothing was late. The was a discrepancy with a deductible that has been paid so stop the bad credit reporting XXXX said not too pay. XXXX emailed a letter with different numbers, we paid the {$500.00}
Product: Debt collection

I am the author of this complaint and I have attached a copy of my driver 's license, social security card, and an identity theft report to this complaint. I contacted NATIONAL CREDIT SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) about an account that they are reporting to my credit report. They are reporting the account fraudulently and without my authorization and consent. They claim that I owe them balances on debt accounts but they have not provided VALIDATION that a contract exists between myself and NATIONAL CREDIT SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ). If no contractual obligation exists between us then how could I legitimately owe them for any debt? 

If NATIONAL CREDIT SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) continues furnishing, reporting, and making attempts to collect debt that does not belong to me then I will have to include them in an arbitration claim for violation of the FCRA, FDCPA, and for aggravated identity theft. Please see NATIONAL CREDIT SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) 's info in identity theft report attached
Product: Debt collection

I am a XXXX XXXX  and I have health insurance at no time did I receive service that was covered under my health insurances and at no time I did not go with out insurance. I have only receive annually check ups no procedures
Product: Checking or savings account

On XX/XX/2022 Navy Federal Credit Union Closed my checking, savings, and credit card account after being a long term good standing account holder. I contacted NFCU and asked why my accounts were closed without any warning or reason given. 
After speaking with NFCU 'S security department I was given a timeframe of 10 business days to investigate and and resolve the issue of my closed accounts. The representative stated that someone opened a navy federal account using my similar personal information. 15 days later I contacted them still without any explanation as to reason why the accounts were closed and was given no real expected end or resolution to the situation. Since then I have waited and contacted the bank seeking updates and the status of their investigation with no luck, and no real answers. 
I no longer have access to my accounts and I am currently being charged interest on my credit card balance. I feel as though I am a victim of ID theft being punished as the thief. Guilty until proven innocent with no urgency to get the account reopened.
Product: Vehicle loan or lease

My loan is through Exeter Finance LLC. This is the first action in this process. The truth in lending disclosure that I was provided by the lender discloses a grossly inaccurate APR or finance charge. If the disclosed APR is correct then the finance charge is understated ; or if the disclosed finance charge is correct then the disclosed APR is overstated. The 5 year XXXX payment loan term began XX/XX/year>. The disclosure lists APR at 17.83 %, the finance charge at {$10000.00}, amount financed at {$19000.00}, and monthly payments at {$480.00}. When I apply the formula to calculate APR I conclude that the APR should be listed at 10.44 %. The APR disclosed is overstated by 7.39 %. This error is far outside allowable tolerances. If this transaction was closed the lender committed a crime, and if the transaction has not closed I have been deceived by the lender and I rescind the contract.
Product: Prepaid card

I have been trying for days to spend my two American Express gift cards online and they seem to get declined everywhere I try to shop. The cards are worth exactly {$99.00} each. This has been causing me a lot of trouble. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are the three methods of payment that I have been trying to submit. All transactions well under the {$99.00} amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX  XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX  XXXX  XXXX ) XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$0.00} ; XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1100.00} ; Medical XXXX Balance : {$140.00} ; Medical XXXX Balance : {$230.00} ; Medical XXXX Balance : {$180.00} ; Medical XXXX Balance : {$120.00} ; Medical XXXX Balance : {$150.00} ; Medical XXXX Balance : {$100.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$550.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT HAS VIOLATED MY RIGHTS ( ( XXXX XXXX ) XXXX U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) XXXX 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 XXXX years. 

15 U.S.C. 1681XXXX XXXX XXXX XXXX XXXX XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

On XX/XX/2022 I had noticed that my account with BSI Financial was being charged an fee of XXXX daily since XX/XX/2022. When I spoke with a representative, they told me that the fees where default interest. I then asked was my account missing payments or was I behind. The representative told me no my ACH is in automatic payment and they pull from the account on the XXXX and the XXXX of every month. I then asked how I am receiving default interest on the account if its not in default? The representative then said that is a good question and flagged my account for review no action was taken so I called again, and I was told the same thing by a supervisor who referred me to my promissory note and the default interest clause which had nothing to do with the relevance of our conversation. No one could seem to provide me an answer to why was I being charged for a fee with default interest daily. All calls where recorded and after seeking no help I reached out to the loan XXXX who helped orchestrate the loan and he also spoke with BSI Financial on this matter in where he discovered that they were using predatory lending practices against me. No resolution was found, and they refused to help me and told me to seek legal counsel for this matter. The month XXXX is XXXX. The account is at has XXXX in default interest fees since XXXX XXXX XXXX
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. 

When I investigated my credit report, I realized that some of the information was erroneous. The Experian credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXXXXXX XXXX  XXXX XXXX Open Date XX/XX/2016 Balance : {$7900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed multiple inquiries from different companies, I do not recognize. Also, I haven't authorized for them to use my information, and I would like them to be remove.