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

After filing a complaint through you all I was sent an email on XXXX the XXXX indicating that Chime was aware of the problem and were working to resolve it. They informed me that within 7 to 10 business days I will receive my closure check.

Well when the 10 days passed I didn't receive anything so I called them. When I called them I went through the identifying process and I discovered that nothing had changed. They hadn't sent my check. And they were still saying I can't reinstate my account. But I have never requested to have my account reinstated I've been emailing and calling since XXXX of XXXX. 
They sent me another email days later stating that they sent my money TO UNCLAIMED ASSETS! How is this possible when I have been calling in for years about this money. What can I do? Surely there is something I can do. They basically held my money treated me like a derelict for going through the steps to get my money only to send it to unclaimed assets. As of today Monday, XX/XX/XXXX the issue has not been resolved. They claim to have sent my money to UNCLAIMED ASSETS.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown addresses showing on my Credit report. I have a few unverified accounts from companies I have never done business with as well. Yet according to the online credit report that I received less than days ago from the agency denied credit to m e, Trans Unio  n cre dit bureau issued the report that was used to determine my credit evaluation.   Sect ion 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccur ate reporting.   In addition if you cant obtain this info you are required to delete this information off of my Credit report I am looking over my credit report and am disputing all items that need to be deleted. The reasons why these items should be deleted are indicated below : 1.  XXXX   XXXX   XXXX    XXXX  #  XXXX   2.   XXXX   XXXX   XXXX    XXXX   #  XXXX   3.    XXXX   XXXX   #  XXXX  4.  XXXX   XXXX   #  XXXX  5.   XXXX   XXXX    XXXX    XXXX  6.   XXXX   XXXX   XXXX   #  XXXX   7.   XXXX   XXXX   XXXX   #  XXXX  MY CURRENT ADDRESS IS  XXXX   XXXX   XXXX ,  XXXX , OHIO  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : DISMSD/CLSD XXXX : Bankruptcy Reference Number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of this item of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) 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: Credit card or prepaid card

Hi, My name is XXXX XXXX and I was discriminated by Discover Card Services. I received a call on XX/XX/2018 at XXXX Pacific Standard Time. The agent from Discover was named XXXX which is short for XXXX and is apart of the Discover Security Department. The phone number used to call me is XXXX. During this phone call, the associate XXXX, violated my protected rights under the Equal Credit Opportunity Act. 

During the conversation, XXXX inquired about my age and asked me to confirm my age. What is important here is the fact that the reason for inquiring about my age had nothing to do with verification or customer security. My information was already verified. She then proceeded to verbatim state, " You are really young, are you sure you still continue using the account? ". 

Immediately, I let her know she is in clear violation of ECOA. Age is clearly a protected class and there was NO reason for XXXX to use my YOUING age as a reason of whether I still want to use my account. I am very offended.
Product: Money transfer, virtual currency, or money service

When adding a bank account to Venmo, you have to verify the bank account. Understandable. But you add money into my account PLUS you subtract the money from my account ( and I use those transaction amounts to verify the bank account ). Problem is, I don't ever remember giving you permission to REMOVE money from my account. Maybe I don't remember giving permission, but I don't think I gave you permission to take money OUT of my account.
Product: Credit reporting or other personal consumer reports

I have discovered that my credit report was accessed or furnished without my explicit authorization. This unauthorized action is a blatant infringement on my rights, and I will not tolerate the mishandling of my sensitive information. This serves as a formal and urgent demand for the immediate rectification of an egregious violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I am referencing 15 U.S.C. 1681b, which clearly dictates that a consumers credit report may only be furnished under specific, lawful circumstancesone of which is written consent from the consumer. Let me make this clear : I never provided your agency with any such consent to access, furnish, or distribute my personal credit information.
Product: Credit reporting or other personal consumer reports

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in ( BUREAU ). I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a Capital One 360 checking account. To make a long story short, I received a debit card that I'm not able to activate with them. They keep telling me that they have to submit a case to a business department internally. That process will take XXXX to XXXX business days. The issue is that my direct deposit has already been applied to that account, and I have bills to pay and I'm unable to access my money because I have no active debit card. This is completely Capital Ones fault and their mistake and they're refusing to rectify the situation at a timely manner. I need them to fix this issue they created. I made a decision to switch over to them for my banking needs, and now I'm unable to use my funds.
Product: Mortgage

The closing costs that I was told to expect changed significantly from the initial amounts I was quoted. I have tried emailing the Mortgage Originator and asked several times for their Compliance Department to review but this request has not been granted. I sent a very detailed message with all of the differences ( attached ) noted. If you can't trust the costs that are told to you when you decide to lock-in a rate to not be changed just prior to closing, where is the integrity of the financial market? I feel this is misleading to me, as a consumer.
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 Balance : {$0.00} ; XXXX XXXX Balance : {$35.00} ; Medical XXXX Balance : {$33.00} ; XXXX XXXXXXXX Balance : {$35.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

PayPal is refusing to release funds after terminating my account with no explanation. I need these funds for survival and none are subject to any potential customer chargebacks which is the only legal term they should be holding funds.
Product: Debt collection

I called and requested a debt validation letter that included an itemized statement in XXXX of XXXX  and they asked me to send a request via email, which I did. I received no letter. I called again in XX/XX/2023 ( they have record of this phone conversation ) and requested the letter again. I waited 30 days, still nothing. I called today and ( XX/XX/2023 ) once again requesting the debt validation letter and asked why I hadnt received a letter after the last two attempts. 

They said they hadnt sent it out yet. Im so frustrated with the lack of response, I just want to see proof of this debt so I can pay get it over with. In the meantime they keep raising the debt owed with interest charges when I could have paid this months ago at the original price.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning in XXXX 2016 I began the process of fixing errors present on my credit report with Equifax, XXXX, and XXXX. 

Each of these companies has sent back correspondents and has corrected some of the errors and has left a majority of them stating the same 2 responses : 1 ) We verified that this item belongs to you. 

or 2 ) Information on this item has been updated. 

Here are all the creditors that are reporting inaccurately on this credit report : Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX, XXXX Creditor : XXXX XXXX XXXX XXXX. 

Creditor : XXXX XXXX Creditor : XXXX XXXX Creditor : XXXX Creditor : XXXX XXXX  XXXX Creditor XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Equifax has deleted XXXX XXXX and XXXX XXXX XXXX XXXX XXXX has deleted XXXX XXXX XXXX XXXX has deleted no inaccuracies
Product: Credit reporting or other personal consumer reports

I wrote formal letters to dispute the accuracy of the information being reported regarding XXXX XXXX XXXX account XXXX partial account number # XXXX. As of XX/XX/XXXX, this account is being inaccurately reported, despite my recent discharge from XXXX XXXX XXXX 

On XX/XX/XXXX, I filed for XXXX XXXX XXXX case number XXXX, in federal court. The bankruptcy trustee notified all creditors, including XXXX XXXX XXXX about the discharge of my debts. This notification was sent via email to all creditors, informing them of the discharge. 

I officially received the discharge on XX/XX/XXXX. Despite this, the information reported by XXXX XXXX continues to reflect inaccurate details. This incorrect reporting has been verified and marked as accurate by all three major credit reporting agenciesExperian, XXXX, and XXXX. The continued reporting of this account as active and outstanding, despite the discharge, constitutes a violation of the Fair Credit Reporting Act ( FCRA ). The statutory violations related to this inaccurate reporting over the past 12 months could amount to {$36000.00} in statutory damages. Furthermore, this disregard is causing significant emotional stress and severely hindering my ability to obtain credit and support my family. 

Credit Reporting Agencies that I sent disputes letters to Experian Experian Information Solutions , Inc. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have already disputed this inaccurate information with each of the credit reporting agencies, but XXXX XXXX XXXX reporting has continued to be verified as accurate, which is incorrect. The account should reflect that it has been discharged as part of the bankruptcy proceeding, and the erroneous reporting must be corrected immediately. 

I have kindly request that XXXX XXXX review remove this account and pay the statutory damages of {$36000.00} FOR ALL 3 CREDIT REPORTING AGENCY. The account information to accurately reflect the discharge status. Please provide written confirmation of the correction to both myself and the credit reporting agencies as soon as possible.

Thank you for your prompt attention to this matter. I look forward to your cooperation in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONSTANTLY BEEN REACHING OUT TO XXXX, TRANSUNION AND XXXX  REGARDING AN INACCURATE BANKRUPTCY THEY ARE REPORTING. THIS HAS BEEN GOING ON SINCE XXXX AND I AM NOT GETTING ANYWHERE. EVEN AFTER I HAVE SUBMITTED DOCUMENTS SHOWING IT IS INACCURATE.
Product: Money transfer, virtual currency, or money service

On on around XX/XX/XXXX, I sold a {$100.00} XXXX gift card on XXXX. I used a company called PayPal to receive payment for this purchase. Once the item was sold, I received the Payment through PayPal and was notified that I had the green light to ship the item. As it is commonplace in the XXXX market place regarding sales of gift cards, I was asked to email the Gift card to the buyer of the auction which I did. Approximately on or around XXXX XXXX XXXX, I received an email from PayPal stating that the purchaser that used PayPal to pay for the gift card had fraud on their PayPal account and the purchase was being debited out of my account. PayPal also said they are levying a {$20.00} chargeback fee on my account. I relied in good faith on Paypal 's instructions to send an item that I sold in good faith. When I sell items on XXXX using PayPal, there is a seller protection display that is advertised prominently all over the website. I, being a valued customer of XXXX and PayPal for almost 20 years, counted on this protection. Instead of protecting me however, PayPal has referred to an obscure technicality that says non-tangible goods are not protected by their seller guarantee. If I just mailed the card through the mail, I would be protected, but as I emailed the card, I 'm somehow disqualified from this protection. This is a truly non-customer friendly situation that PayPal needs to own. The true issue is that I 'm being punished for their mistake of allowing a fraudulent transaction to go through creating this mess in the first place.
MY PAYPAL ACCOUNT XXXX Here are case details : Case ID : XXXX Buyer 's name : XXXX XXXX  Buyer 's email : XXXX Buyer 's transaction ID : XXXX Your transaction ID : XXXX Transaction date : XX/XX/XXXX Transaction amount : {$120.00} USD Disputed amount : {$120.00} USD
Product: Mortgage

I co-signed a 30 year mortgage loan with XXXX for a friend in XXXX in the amount of {$170.00}, XXXX. 
A few years later I signed a quick claim deed because she said if I did not sign the quick claim deed she would default on the loan. 
She ( without my permission or knowledge ) re modified the loan in XXXX for {$110.00}, XXXX based on her income only because she was unable to make the payments. This modification decreased the amount of the loan XXXX and increased the years of the payment. 
She has remained delinquent in her payments. 
In XXXX of XXXX the loan was taken over by Carrington Mortgage Company. 
She has remained delinquent and to date owes XXXX in overdue payments. 
I want my name taken off the loan agreement. I have discussed this matter with XXXX XXXX to no avail. I have contacted XXXX and Carrington Mortgage Company with also no resolve.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service abd unfair practices which violate the Consumer Financial Protection Act ( CFPA ). 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: Mortgage

On XX/XX/2021 I made my monthly XXXX Mortgage payment of {$370.00} to Select Portfolio Servicing. This payment was not due till XX/XX/2021. On XX/XX/2021, I logged in to make my 1st Mortgage payment and noticed that the XXXX payment had not been applied. I called SPS multiple times on XX/XX/2021, XX/XX/2021 and XX/XX/2021. On XX/XX/2021, I was concerned that they were going to charge me late fees, so I logged in and paid the XXXX payment again. I also uploaded an image of the statement requesting correction in their documents section. That document has since been removed from my account and the XXXX payment still has not been applied as a regular monthly payment to my account. Each time I call they assure me that it will be " done by Monday ''. They applied it as an extra payment even though I marked it online as my regular monthly payment ( the default selection ). I should be paid up till XX/XX/2021 and they were showing due date of XX/XX/2021 until I filed a complaint with the BBB. Now they show that I am past due for XX/XX/2021 and haven't made the XX/XX/2021 payment either. Our loans were written off in chapter XXXX so, I am concerned that they could try to take my home since the payments are showing past due. I have called on XX/XX/2021 after filing the XXXX complaint and spoke with manager XXXX. He assured me it would be completed " within 24 hours ''. It is still not corrected.
Product: Debt collection

I have been getting multiple calls several times a day from different phone numbers. But all the different phone numbers belong to an organization called Cedars Business Services. This has been going on for a few months now. They leave messages from different numbers telling me that I have to call them. They have also texted me. I do not know what they are talking about and do not owe any debt to them. I have tried blocking them form my phone but they call from various, new numbers every time. This is extreme harassment and needs to stop. Please help me.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breach OF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. 
I am also attaching proof that I was a victim of the XXXX XXXX breach, and I kindly request that this information be considered as part of my claim. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXXXXXX Account XXXX  Date Opened : XX/XX/XXXX Amount : {$5700.00} XXXX XXXX XXXXXXXX Account XXXX  Date Opened : XX/XX/XXXX Amount : {$3600.00} XXXX XXXX XXXX  Account # XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Amount : {$6200.00} Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ).