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

Good afternoon evenjng I, as well as many others, have been affected by the lack of communication of Chime Bank regarding our stimulus funds. I received an email from them on Saturday stating they had received a payment towards my account from the XXXX  and I needed to submit documentation ( ID and XXXX Tax Return ) in order to verify this funds belonged to me and they could be released. The email also says if I did not respond within 24 hrs the funds would be sent back to the XXXX. I sent them the information requested and as of today I have not gotten a straight answer from them regarding the funds. The XXXX get my payment states I should be expecting my funds today XXXX XXXX.The total of my stimulus is {$5600.00} On calls I made to them on Monday they stated they could not see any money pending on my account ( even though I havr proof the email says they do ) and directed me to the get my payment tool even when I told them I already did and my funds should be there by the XXXX. I also received an email saying it takes 2 bussiness days to verify documents and to wait for a resolution within those 2 bussiness days. On Tuesday they told me they were still verifying but they could see my funds on hold pending the verification and I should expect a resolution Tuesday at the end of the day, if I did not see anything by today then give them a call again. 


Today ( Wednesday ) I called and got 2 answers. One was that they were still " verifying '' the information and they were sorry it was taking so long, that they could not promise I would get my funds today ( even though the XXXX  had it to be released today and they have been having my funds since Saturday per the email sent to me ) that I could get them today or tomorrow, maybe. The other answer was that the documents were still being verified and that she could not see my money as pending that the staff on the phones can not see any money pending only the staff that works with the email part ( but she was able to see my emails though ) regardless of me telling her 2 other representatives assured me they saw my funds and even told me the funds were from the stimulus payment and not the tax refund. 


I am not the only person with this issue and all they do is ignore you if you try to communicate through the app, they open a ticket and close it as resolved even though they never respond or they give you the answers I stated above if you happen to be able to talk to them on the phone. We need help, I personally need this funds my husband is XXXX and so is my son and them holding onto our funds with no explanation is absurd. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know what their reasons are when they're reporting me as late even though I'm never late so please look at the attached documents.
Product: Credit reporting

my credit has been combined with my cousins who has the same name as me for some time now. I found out about this when I tried to refinance my home. at this time my credit was not locked and we were able to get thing resolved. I went to purchase a vehicle two months ago and the finance department says my credit is now locked. So now not only is my credit combined with my cousins but it is locked as well. I tried many times and wasted many hours on the phone with transunion. I even went as far as contacting a lawyer, he suggested sending a certified letter to transunion which I did more then 30 days ago I still have not heard anything. Anything you could do to help me would be greatly appreciated. Its frustrating right now because I can not apply for any type of credit at all.
Product: Debt collection

XXXX XXXX, XXXX initial communications with me concerning an alleged debt by which they bought from another creditor filed a lawsuit against me in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have responded with a motion for summary judgment on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX 
I have never heard of or did business with XXXX XXXX, XXXX, or had contact with them prior to this suit. XXXX XXXX, XXXX supports their claims to count ( 1 ) with illegal and/or criminal documents in violation of Michigan usury XXXX where their interests rate of 209.42 % for exceeds XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). and therewith is non enforceable. 
In XXXX XXXXXXXX XXXX count 1-2 ) they have submitted documents with no specific/authorized signatures of and agreement between us. 
After I requested a validation letter of account numbers they only sent me one account number that do not match any of the documents in their filings. This violates Michigan Statute of frauds law MCL566.106 and ( MCL 566.108 ). Therefore it also is non enforceable. 
I have come to believe from reasons above that XXXX XXXX, XXXX is in violation of Federal FDCPA consumer protection laws section 1006.42. Sew. 
I believe this company purpose is to abuse, oppress, and harass me for a debt I did not agree to or authorize.
Product: Debt collection

The company Paragon Revenue Group is in violation of my HIPPA rights, I mailed them a letter to remove all information off my credit reports due to the fact they were in Violation of the HIPPA Law. They have a DBA ( DBA Paragon Revenue Group ) which is on my report as off now showing as verified and accurate but it is not accurate nor mine. i need this removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ask the company to do a full review of all information on the account they verified the account information as correct but I have found many different reporting dates in all reports account name XXXX  account # XXXX In accordance with the fair credit reporting act XXXX  account XXXX has violated my rights. 
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
Product: Credit card

I have been making considerably higher monthly payments on deferred six-month no interest payments with Care Credit to have charges paid off in advance of deadline date. Per direction provided by its customer service reps, I have been calling in every month to direct adjustments for the amount that I have been paying. For the last three months, while customer service reps indicate that they are making adjustments these have not been made. I believe this is a deliberate attempt to result in my paying interest on deferred charges.
Product: Checking or savings account

On XX/XX/XXXX, I deposited a check with Navy Federal Credit Union. I was informed in writing ( via email ) that the check would clear in 2 business days. I was provided a XXXX dollar credit, out of XXXX dollars. I was then informed on the 2nd that the check would be held for 5 days. This is an insurance check for losses sustained by me in a car accident. I was told that the check had a high probability of not clearing, though I have never had a check not clear my account. I have been with this bank for 3 years. I was told security department did not work the weekends, yet they can determine on a Saturday that a check needs to be held?
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax in XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX about the collections listed on my credit report. I have made several attempts to take care of it. I shared with Equifax the accounts were not reporting accurately. There were several inaccurate items listed on the collection accounts from XXXX XXXX. Equifax sent back statements that said it was verified. I did not ask Equifax to verify the accounts. I asked Equifax to send me documentation or the proof they had since they stated it was verified. According to my records the items are not reporting accurately and must be removed. 

I sent Equifax letters asking I've asked Equifax to send me verification in XX/XX/XXXX of who they spoke to since it says, it was verified and they sent a credit report back in XX/XX/XXXX without verification which is what I requested. They changed the amount on the collections. Where did they get that amount from? Who are they speaking to? They are obviously not complying with the law. I am aware the law mandates them to comply with a consumer requests if they can can not provide the documentation or they must delete and they have failed to do comply with the law multiple times. I have provided documentation of a person signing for it, so they received the letter. I have proof of how they changed the information on my credit report without providing any type of documentation. Equifax continues to not comply with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Product: Credit card or prepaid card

I have a XXXX XXXX XXXX XXXX credit card, I paid the balance of {$46.00} on XXXX, XXXX, XXXX. The card was paid in full. The bill is due on the XXXX of every month. The store went out of business in XXXX. I keep receiving calls from comedity bank stating I owe a late fee of {$31.00} on an account that was paid in full on XX/XX/2023. I asked how can I be charge a late fee on an account that was paid in full before the due date. They said they would wave a {$2.00} interest fee but will not wave a late fee of {$31.00} that is being charge for the {$2.00} interest fee.which make no sense, seeing tha the card balance was paid in full prior to the due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX XXXX XXXX is XXXX XXXX And Im The Only One Involved in this CFPB complaint and FTC Report Number Is XXXX TransUnion Block Me From Viewing My Report Online, I'm Writing This Complaint Because My personal Information Was Exposed In A Data Breach I Checked Online & Found Out About The Data Breach I Looked Up My Credit Report I Found Inaccurate, False And Fraudulent Information That Don't Belong To Me I Contacted My Local Police Made A Report They Also Told Me To Make A Report With FTC Because Of Jurisdictions Ive Listed As Many Fraudulent Accounts As I Could .Also Recently I Called TransUnion Filed A Dispute Myself And Also I Went Online Submited A Dispute And That Wasn't Helpful At All These Fraudulent Debt Is Hindering My Ability To Apply For My New Home Loan I Don't Know Where To Start Or The Next Step To Take To Remedy This Situation Which Has Caused Financial And Emotional Stress Worst Part I Was Denied A Job Based On Negative Information On My Report, Due to Covd19 I  Was Recently Laid Off My Last Employer Now Every Employment Job Opportunity Is Online Based With Background & Credit Check Which Ive Been Denied Due To False Information Reporting With TransUnion..I Have Been Subjected To Adverse Action Pertaining To The CRA 's Reporting Inaccurate Information As A Result Of Fraud Am A Victim Of Identify Theft And I Already Placed A FRAUD ALERT On My Credit Reports Here 's The List Of The Fraudulent Accounts : XXXX XXXX XXXX XXXXXXXX XXXX {$36000.00} XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$590.00} Collection opened XX/XX/XXXX XXXX XXXX XXXX ( ( XXXX XXXX XXXX XXXX XXXX XXXX ) ) XXXX XXXX XX/XX/XXXX I Even Called TransUnion Today Waited 3 Hours Before Someone Answered The Phone Just To Hang Up In My Face I'm Very Disapointed With The Way TransUnion Has Been Handling My Report 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, FTC Report Number :XXXX 605 ( b ) Block. Item must be blocked in no less than ( 4 ) days
Product: Money transfer, virtual currency, or money service

My PayPal account received a withdrawal email notification, but the withdrawal could not be completed. I contacted PayPal customer service many times and kept waiting for me. Is there any problem with withdrawing my money?
Product: Credit reporting

Accounts on TransUnion previously deleted now reinserted without receiving a 5 day notice.
Product: Credit reporting or other personal consumer reports

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under XXXX5 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements XXXX be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Product: Prepaid card

I bought a American Express prepaid gift card of XXXX XXXX I used XXXX $ and I still have XXXX $ active, I gave a call to the phone number behind the card to make sure I had XXXX $ left which it said I did, but when I try to use it online or on my phone it says card decline.
Product: Credit card or prepaid card

I received a credit card from Bank of America with a XXXX credit line in my legal name, XXXX XXXX XXXX, without submitting an application. I called Bank of America fraud department and they closed account XXXX before it was activated. Their rep told me they received an application in my name on XX/XX/2020 and she was able to give me the last XXXX digits of my SSN. 

I got a second card from them for a {$14000.00} credit line, XXXX, on XX/XX/XXXX. I called their fraud department again and got it closed also. I got more info this time ; the application came from XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX, for both cards. 

I found that a hard inquiry was made on the XXXX Credit Bureau. They have noted the fraud and performed a credit freeze for me. I have not filed a police report or with the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in letters asking all personal old information be removed from my credit report and nothing has happened. All old employment and old numbers and with old addresses I want them removed This is my current address XXXX XXXX XXXX XXXX, MI XXXX Current phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), I am writing to file a formal complaint against the following accounts listed on my credit reports, which have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These violations are detailed below : Violations : 15 U.S.C 1681 Section 602 ( a ) : This section affirms my right to privacy, which has been compromised by the improper furnishing and handling of my personal information.

15 U.S.C 1681 Section 604 ( a ) ( 2 ) : This section clearly states that a consumer reporting agency can not furnish an account without my written instructions, which has not been provided in these cases.

15 U.S.C 1681c ( a ) ( 5 ) : This section prohibits the inclusion of any adverse information in a consumer report that is more than seven years old. The accounts listed below contain adverse information that predates the legally allowed time frame.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : This section prohibits the furnishing of information that is known to be inaccurate. The accounts listed below contain inaccuracies that have been reported despite reasonable cause to believe they were incorrect.

15 U.S.C. 6802 : I did not receive the required opt-out notice at the time of account creation, which violates my right to opt-out from the reporting of non-public information.

List of Accounts : Below is the list of accounts that have violated the aforementioned sections of the FCRA and other related laws : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your prompt attention to this matter.
Product: Mortgage

My name is XXXX XXXX XXXX wife of the deceased XXXX XXXX XXXX, XXXX. I was working with XXXX XXXX  on a modification after my husband passed away suddenly on XXXX XXXX. I was also off work at that time do to a work related injury awaiting XXXX. XXXX worked out the start of a modification ... but sold my husbands mortgage mid modification in XX/XX/XXXX to SPS. I contacted them and they continued to accept my modification payments until I called them XX/XX/XXXX to make the payment and they informed me they could not accept the payment as they had turned it over to an attorney for foreclosure. They claim I am not the successor in interest to my Husbands Estate. I even had to pay an attorney to get a quick claim deed and my children all signed away any rights to this property. I have tried to send all the proper paperwork to SPS on at least 3 occasions. They have talked to XXXX XXXX from XXXX County West Virginia Fiduciary/Probate on the phone with me on a 3-way call 2 separate times and SPS still keeps insisting I am not successor in interest to my husbands estate and XXXX told them all paperwork had been done properly and West Virginia says I am the owner of this property. I want to keep my home and would like to work out a new mortgage with them.
Product: Checking or savings account

Subject : Follow-Up to Complaint ID XXXX Request for Additional Action To Whom It May Concern, I am writing to follow up on my previous complaint regarding KeyBank, Complaint ID XXXX, which pertains to funds that were not returned to me after the closure of my account. While I appreciate the Consumer Financial Protection Bureaus assistance in addressing this issue, I have an additional concern regarding KeyBanks reporting of this situation as fraud, which is both inaccurate and unjustified. 

The situation arose from a misunderstanding involving a check deposit that KeyBank mistakenly labeled as fraud. Both the issuer and payee of the check are close relatives of mine, and I provided a notarized letter from the payee to verify the legitimacy of the transaction. Despite my efforts to resolve the matter, including attempting to facilitate communication between KeyBank, the issuer, and the issuers bank, KeyBank closed my account and reported the issue to XXXX XXXX XXXX as fraud. 

This classification is completely unwarranted. I have made every effort to address the matter, including : Immediately contacting KeyBank after the deposit to seek a resolution. 
Providing all necessary documentation, including the notarized letter from the payee. 
Repeatedly contacting KeyBank to request updates and a resolution. 
KeyBank has failed to provide clear answers or assistance and has acknowledged internal issues related to their handling of this matter. However, their decision to label this as fraud and report it negatively to XXXX XXXX XXXX is baseless and has caused me significant harm, including being unable to open a new account elsewhere. 

I respectfully request that the CFPB assist in addressing this matter by urging KeyBank to : Remove the inaccurate report filed with XXXX XXXX XXXX. 
Provide an explanation for their actions and their failure to address my requests. 
This situation has been mishandled by KeyBank from the start, and their incorrect classification of this matter as fraud is unjust and damaging. I kindly ask for your assistance in ensuring that this negative and inaccurate report is removed promptly. 

Thank you for your time and attention to this matter. Please feel free to contact me if you require any additional information or documentation.
Product: Credit reporting or other personal consumer reports

My payment history does not match the late payments reported. Please fix these inaccuracies and update my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a free credit report through the FTC on XX/XX/22 for XXXX, XXXX, and Equifax. I was only able to get a report through XXXX and I noticed there was a XXXX XXXX XXXX account on my report that did not belong to me. I filed a dispute with XXXX, but I was unable to with XXXX and Equifax as I was not able to receive a report in the first place from either company. I just want to ensure that this XXXX XXXX XXXX XXXX which does not belong to me, does not show up on any of my credit reports.
Product: Checking or savings account

On XX/XX/2018 I was obsessively checking my online banking account with chase because I had used it at XXXX and XXXX XXXX and my husband had sent me {$40.00} to cover the charges through XXXX. I wanted to make sure that the charges will still pending so that when the XXXX XXXX deposit would hit at midnight it would be covered. I went to bed at like XXXX and noticed they were still pending so I said good they wont post until tomorrow, perfect! The next day I woke up with 2 overdraft charges because 2 checks ( one for {$6.00} and the other for {$11.00} ) that I had given to someone over a month ago. I called chase to ask them why those checks were not on my online banking the day before if they were cashed during the day. They said theyre system does not show checks until XXXX the day of and that if I didnt want an over draft I had to make sure theyre was money in the account by XXXX the day the checks were deposited. I explained to them that how was I suppose to know that the checks were gon na be cashed that day. Also if they want people to deposit by XXXX the day the checks were cash why dont they post it in their online system before XXXX so that a consumer can know! Or if they want to continue posting the checks cashed until XXXX they should allow consumers to make a deposit the day after. This is unfair, abusive and deceptive because the consumer does not know the checks have been cashed that day because chase wont allow them to see the checks until XXXX which by the way half of their consumers are already asleep.