23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting incorrect information on my 3 credit bureau XXXX didnt provide any proof to comply with the Federal credit reporting act. HAS not provide to any of the XXXX credit bureau and me with proof of the original contract with my signature showing that Iam the owner. XXXX XXXX keep hiring different collection agencies to contact me and put information on my credit report. when to small claims in 2 different counties in massachussetts knowingly didnt send me notification of the small claims court date the court granted since I didnt know about this court dates however after I contact the court both court XXXX distriict court of and XXXX district court reversed the judgement. However XXXX XXXX XXXX keep giving those reverse judgement to the credit bureau agencies knoiwing they are not valid and doesnt provide proof of any of the document I request under the FEDERAL CREDIT REPORTING ACT. Moreover Iam a customer of XXXX  XXXX credit card I have my credit card with XXXX  XXXX which LNVN Allegely both 2 accounts from XXXX  XXXX, Iam in good standing with XXXX  XXXX bank. I never done any transaction with XXXX XXXX XXXX. I need XXXX Funding to deleted that information from my credit bureau is in violation of the FCRA>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX XXXX XXXX. Please remove this account immediately.
Product: Checking or savings account

XX/XX/2020 I was admitted into the hospital for XXXX   XXXX, etc. while I was in the hospital I had fraud happen on my CHIME CHECKING account. I was discharged from the hospital XXXX XXXX, 2020. While I was in the hospital I received a direct deposit payment from unemployment Florida DEO because Im on unemployment. The deposit amount was {$250.00}. {$230.00} was taken/ withdrawn from my account. On XX/XX/XXXX, there was a payment of {$16.00} to XXXX  XXXX  which I dont even have anyways, and {$3.00} at something called XXXX XXXX  XXXX XXXX. On XX/XX/XXXX I received a deposit of {$900.00} from unemployment. {$500.00} was taken/withdrawn, 3 charges at XXXX totaling {$100.00} and 2 more charges at XXXX totaling XXXX and XXXX. That same day a charge at XXXX was made for {$9.00}. On XX/XX/XXXX before I was discharged another deposit was received from unemployment for {$300.00}. A {$240.00} payment was made to some insurance company. I reported the fraud as soon as I got home when I saw it. I notified them that my wallet was stolen, along with my cellphone, as well as important information in a notebook I had that was pocket sized. After making my claim I realized my entire account was compromised. I received another unemployment payment of {$300.00} to be taken/withdrawn again! On XX/XX/XXXX there was a mobile deposit made in the amount of {$220.00}. I have never deposited 1 check as long as Ive been using Chime which has been a while. Thats when I dealing account was compromised. Following finding this out I made another claim to let them know what was going on. I changed my password and my phone number on my account and they issued a new card, etc. Both of my claims were denied even though I submitted all the information they asked from me as well as documents showing that I was admitted into the hospital on XX/XX/XXXX and diacharged XX/XX/XXXX. They said that nothing unusual happened on my account and my claim was denied. I am so mad and frustrated I do not know what to do. Its point blank and pretty obvious fraud was happening if I was in the hospital for so long and I have out NO INFORMATION or any permission for someone to use my account. Im so upset. All the charges come out to about {$1700.00}. I read online how CHIME is notorious and known for denying mostly all the claims that they received. Please help me get my money back. This is not fair that I am a victim of fraud and I have to suffer. Im almost homeless, I have no money for food or my phone or gas. Im so behind on my bills and I cant even catch up. I supplied everything I was supposed to on the claims. The claim numbers are XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I called the lender and requested that they remove the late payment due to Covid-19 from my credit report. My state had at the time shelter in place, at the time of the missed payments. I was quarantining yourself due to XXXX symptoms. It was incurred due to the coronavirus outbreak and I was able to make the past payments and had the account back on track.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account ending in XXXX, has violated my rights. 
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 reporting agency can not furnish a account without my written instructions.

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: Credit reporting or other personal consumer reports

I am formally disputing the accuracy of the following account ( XXXX ) listed on my credit report. As per FCRA and FDCPA regulations, you are required to provide proof of debt validation within XXXX  days or remove the account from my report.
Product: Money transfer, virtual currency, or money service

I had an issue with a chargeback ( insufficient funds on deposit ) in XXXX and my BINANCE US account was suspended. I have since transferred amount but have not been able to trade or withdraw but surprisingly can still make a deposit. They are holding to my money and not responsive to any queries. The BINANCE US FAQ says once settled account should return to normal within 7 days. I have submitted multiple tickets to no avail. The customer support is non existent. I am requesting your intervention as I am seriously considering legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED M Y ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUME R REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Debt collection

I have an auto loan with First Bank of Puerto Rico, they referred the account to XXXX XXXX XXXX because although loan has been paid off, there is remaining balance due to late fee and interest charges. They contacted me yesterday requesting the balance due of approximately {$1000.00}, I offered to pay {$600.00} and the remaining balance nect month but they declined. Instead they said they were outside my property to reposess my car. I explained that my mother had passed away on XX/XX/XXXX and I incurred in costs but they just answered they did not care and I needed to pay the whole balance or allow them to reposess my car. The used abusive and threatening language.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was co-signing a car loan for my son and I was being denied and ( even though XXXX  and XXXX  rated my score excellent ). Because of this experience, I enrolled online for Experian to find out score. I called and explained situation to Experian XX/XX/XXXX - and I discovered that Experian has my sister and her accounts linked to my credit reporting which affects my debt ratio and my scores. This is upsetting because I was denied ; plus also I had to pay higher interest to get approved. 
In XXXX I note on the account that these accounts were put into dispute and the message states These Items have been updated ; however, they didn't remove the accounts - they updated on the accounts and the address for XXXX XXXX to my NAME and MY SSN. That is incorrect. THE NAME OF XXXX XXXX XXXX, XXXX XXXX XXXX AND ALL ACCOUNTS ASSOCIATED WITH XXXX WHICH IS HER SSN - NEED TO BE TOTALLY REMOVED FROM MY REPORT. 


XXXX XXXX XXXX Also known as XXXX XXXX XXXX ( MY SISTER ) XXXX XXXX XXXX XXXX XXXX ( MY SISTER ) XXXX XXXX XXXX XXXX XXXX XXXX ( NOT ME ) Generation identifier N/A My reason for contacting today is I have tried for two days to get someone on the phone with Experian and I can not get to a person. 

I am in the market for another car and I don't want this to affect my interest or approval. 


1. My sister XXXX XXXX XXXX is noted on account and her accounts linked to my Experian HOWVER, THEY ARE ( not linked to XXXX  or XXXX  ) - our SSN # 's are only 1 # off. My is XXXX and her is XXXX. 

XXXX XXXX ( MY CORRECT ADDRESS ) XXXX, LA  XXXX XXXX XXXX -- - MY SISTER 'S ADDRESS XXXX, LA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX # XXXX XXXX, LA XXXX Employer ( s ) XXXX XXXX XXXX XXXX  Personal statements ( s ) No Statement ( s ) present at this ti 2. These accounts are NOT mine XXXX  {$11000.00} XXXX XXXX  {$33000.00} XXXX XXXX {$130000.00} 3 student loans {$11000.00} XXXX XXXX  {$5100.00} 3. This puts Experian listing my debt ratio at 31 % ; which my debt ratio is only 8 % this is highly affecting my credit score.

4. XXXX has my account past due XXXX and XXXX of XXXX. THIS IS FALSE I had to claim another dispute with CFPB in XX/XX/XXXX to get Rushmore to help me. I paid the amount owed ( of less than XXXX XXXX ) in XX/XX/XXXX with a closing fee of title. XXXX said they never received it, I for TWO MONTHS tracked down FOR THEM. I ended of paying it again to get them off my back while I fought them on me having already paid it XX/XX/XXXX. I paid the fee again ; and after CFPB contacted them, they noticed they DID in fact receive it on time. I would like this updated to note that I was not delinquent or late in paying this. The XXXX/XXXX  30/60 DAY LATE should be removed. XXXX refunded me in XX/XX/XXXX for the double payment I had made. 

You have been so very helpful in the past, and I am hoping this too can be corrected.
Product: Checking or savings account

Can you help please? 
I put my wife 's stimulus check in my bank and they closed my account and keep the money and will not return check. I have been in contact with my local branch and they can't get the corporate SunTrust to release the check or money for two months now. Every time they would say a letter would come in mail. 
It all started when the XXXX SunTrust bank closed due to CoVid19 so I deposited the check in the atm at bank. I check my bank account on line and the check showed up a couple days later. I went to an atm to get some money out but atm would not work or log in to bank. I called bank to find out the bank put a hold on my account but would not tell me why but said a letter was in the mail to explain why in 7 to 10 business days. I waited and did get a letter saying the check I deposited was being held for 7 to 10 days as it is there policy but that would not affect any other deposits or atm with draws. So I call them as my bank account was not working and found out SunTrust fraud department had closed my account due to the check was in my wife 's name and she's not on the account. I get direct deposit from XXXX XXXX and they sent a bank check in the amount to me after 7 to 10 days later. I got my last bank Statement from them witch show the stimulus check for {$1700.00} and my pay check being deposited and the closing with being both of them being sent out but all I got was pay check. I am still trying to get my money from them but every time I talk to them it takes 7 to 10 days.
Product: Mortgage

Hello, I've contacted Wells Fargo Home Mortgage several times requesting for XXXX stale checks to be re-issued. The first contact was XX/XX/XXXX and was told by the representative she see where the checks were still valid and I should receive the XXXX checks within XXXX to XXXX business days. I waited and called back 30 days later after not receiving the replacement checks for the XXXX checks, XXXX totaled {$350.00} dated XX/XX/XXXX and the other totaled XXXX dated XX/XX/XXXX - XXXX was placed on hold after representative stated they would look into it and after waiting XXXX mins the call was dropped. The last time I called again asking about the checks I was on the call for over an hour with a representative who kept putting me on hold stating she was researching the checks. She was able to locate the checks but could not locate why they weren't re-issued. She then told me after almost XXXX hours on the phone I need to put in writing to request for the checks to be re-issued because she could not tell if I was entitled to the checks. When I asked why I was not asked to do this back in XXXX when I first made the phone call, she then said let her look into the issue some more, she placed me on hold and then somehow I was placed back in the queue to have to start the call all over again. This all started when I tried to deposit the checks to a new bank account that I opened with Wells Fargo but the checks was returned because they were stale because of the date. This happened back in XXXX, I called the bank and was told I needed to contact WFHM and ask for the checks to be reissued. I did this and as of today I've yet receive any type of answer to why I haven't or can't receive my payment. I'm struggling to try and make these payments with this new interest rate increase that I NEED MY MONEY to make my next schedule payment. I feel as though I've been battling with Wells Fargo with every turn of trying to get help.
Product: Credit reporting or other personal consumer reports

I disputed an inaccurate XXXX account on my credit report with TransUnion on XX/XX/year>. After their investigation, they deleted the account on XX/XX/year>. However, on XX/XX/year>, I discovered that TransUnion had reinserted the same account without notifying me and without providing any written certification of its accuracy, as required under the Fair Credit Reporting Act ( FCRA ).

This reinsertion violated multiple sections of the FCRA, including : Section 611 ( a ) ( 5 ) ( B ) : No written certification or 5-day notice was provided. Section 611 ( d ) : I was never informed of the reinsertion. Section 623 ( a ) ( 3 ) : The inaccurate information was not corrected or updated.

Section 607 ( b ) : TransUnion failed to maintain procedures for maximum possible accuracy.

These actions have caused significant harm, including a drop in my credit score, stress, wasted time, and a negative impact on my ability to secure a mortgage for my family.
Product: Debt collection

I received a letter from Halsted Financial Services LLC stating that I owe this company XXXX, Please be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section of the Fair Debt Collection Practices Act, Compliance with this request is required under the laws of state and federal statutes.
Product: Bank account or service

I am writing to file a complaint against Chase Bank for moving XXXX of my transactions around to charge me XXXX extra overdraft fees. Currently, I have XXXX overdraft fee charges on my account, and I was expecting XXXX but I feel like the other XXXX are unjust. The XXXX transactions that I was unjustly charged the overdraft fees for were made before a larger ( XXXX ) cash advance. But, the cash advance ( made evening of XXXX XXXX ) was processed before these XXXX smaller charges, a XXXX XXXX charge on Friday XXXX XXXX and a {$10.00} ACH Debit on Monday XXXX XXXX, causing me to receive XXXX additional overdraft charges.
Product: Credit card or prepaid card

On XX/XX/XXXX, I stayed at the XXXX XXXX XXXX in XXXX, OH. I paid through XXXX. When I checked in, I was told that I was paid in full and that they just needed a credit card on file. I checked out 3 hours later for an early morning flight and was told by front desk that I was " good to go. '' I later noticed that I was charged {$78.00} by XXXX and {$62.00} by XXXX XXXX. I tried contacting the hotel 3 times with no one answering the phone. In XX/XX/XXXX, I disputed the charge with Capital One online and over the phone. On XX/XX/XXXX, the charged was rebilled to my account. I called on XX/XX/XXXX and was told they had sent a letter on XX/XX/XXXX saying they needed more information but had received no response. I never received the letter. The agent told me that I could have emailed in the XXXX email that I have saying that I had paid my bill in full if I had sent it before the dispute was closed. When I initially disputed the charge, I asked to email in the document and was told that I couldn't do that. Capital One told me that because the dispute was closed because of my inaction there was nothing to be done. They never emailed or called me to see if I had received the letter before closing the dispute.
Product: Credit reporting or other personal consumer reports

There are XXXX incorrect items on my report XXXX XXXX investments is not my account. I have requested XXXX times for validation of debt along with original agreement and my information that has not been provided. 

Achieve loans- I have requested over four times for a validation of debt along with original agreement and my ID verifying its myself I have not been providing any information. This is identity theft XXXX XXXX XXXX XXXX is showing late XXXX and was late for this is incorrect information. I have all the payment up-to-date and have been up-to-date for the past three years. This was also included in my divorce. This mortgage belongs to my spouse XXXX XXXX, and should be removed from my account.
Product: Checking or savings account

I had {$58.00} and change into my bank account yesterday when I got off of work. My last transaction was at XXXX XXXX and I made a purchase for {$22.00} which my account had {$34.00} and some change in my account before I got to XXXX XXXX. I left my account at {$1.00} cents This morning I deposit {$98.00} in my Capital One checking account in capital one stole {$22.00}, when I already paid XXXX XXXX yesterday {$22.00} capital one has been stealing money out of my account and I want it rectified I want my refund back
Product: Student loan

I am requesting a full refund on the {$8000.00} I paid in XXXX subsidized federal student loans during the period XX/XX/XXXX - XX/XX/XXXX. I paid this amount in XXXX increments of {$2000.00} during this XXXX period to my original loan servicer, Cornerstone Loans. I attempted to contact Cornerstone Loans, however, all of their information is defunct as the company has completely shut down as of the end of XXXX. According to the information on my studentaid.gov dashboard and email confirmation from the U.S. Dept of Education, my loan information was successfully transferred to FedLoan Servicing ( PHEAA ) as of XX/XX/XXXX, and FedLoan is my current servicer.

I made a call to FedLoan on XX/XX/XXXX to request information on my federal subsidized student loan refund. However, the customer service representative was not able to find my information in the system nor provide me with an alternative solution/resources despite elevating the issue to their supervisor. Please note that I did not make any loan repayments to Fedloan Servicing, as my loan was fully paid off to Cornerstone prior to the transfer from Cornerstone to Fedloan Servicing. I was later informed by external sources that Fedloan Servicing should have my loan information on file, but in the Cornerstone conversion files, which the customer service agent was not able to assist with during the time of the call. 

I submitted a complaint last night ( XX/XX/XXXX ) to FSA Student Aid, however, I received a response today ( XX/XX/XXXX ) at XXXX XXXX  XXXX saying that they are unable to perform loan servicing requests and that I would have to contact my loan servicing provider. 

I called on XX/XX/XXXX at XXXXXXXX XXXX XXXX and spoke to a customer service representative. Because my information was not found in the system ( again ), she recommended I call the Department of Treasury because they're the ones who will issue the refund. However, the loan refund has to be processed with my loan servicing agent, which is FedLoans. I was placed on hold when I asked to speak to their supervisor to retrieve the Cornerstone conversion files. The call then hung up after XXXX minutes on hold and again, I did not receive a solution to my concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX checked his XXXX credit report XX/XX/2023 and reviewed all the relevant accounts and information that was being presented that day. XXXX also contact XXXX to discuss account information that XXXX felt as not accurate. XXXX on or around this date at reference herein, notified XXXX that the account with a merchant loa servicer, doing business as XXXX XXXX, was a merchant lender XXXX was not recalling ever having done business with. XXXX then placed a fraud alert on his credit profile with XXXX, exported the concern to XXXX for their investigation and is now filing this complaint, and will at a later date, file a police report consistent with this same information being provided herein. XXXX has contacted the alleged merchant lender, displaying information on his credit profile as an alleged creditor, XXXX XXXX, and upon entering his information was advised he as a co-signer on a loan he had no knowledge of ever agreeing to be affiliated with, and was then directed to a chat prompt and disconnected from the call. A screen capture of the chat prompt, following the disconnection from the call is included in this complaint for review and consideration. This account was executed and initiated without any knowledge from XXXX or consent, and XXXX has reported this concern to all respective parties, and will now move forward with an official police report concerning this matter as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

these are not my account and inquiries, i have never apply for these. 
i don't have any contracts with these companies, no documents with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX CARD SERVICES. ( XXXX ) IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM NEITHER XXXX  OR TRANSUNION, ALTHOUGH EQUIFAX HAS BEEN ABLE TO REMOVE IT COMPLETELY. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.