23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have sent an affidavit of truth referring to XXXX and have yet to receive remedy despite sending a proper remittance on XX/XX/2023 to XXXX XXXX XXXX XXXX in XXXX, North Carolina zip code XXXX. The bill was for about {$4100.00} and I have another for about {$1000.00} but this is fraud and I have pointed that out in my affidavit so I am confused as to why BANK OF AMERICA is attempting to cause me mental anguish. According to these regulations, under the terms in which I agreed to in good faith, I am a victim of deceptive acts. The bank sends me a statement rather than a bill and carefully orchestrated this to make me believe that I have an obligation to pay with my hard earned money when in fact I can have it taken from the security account
Product: Checking or savings account

XX/XX/2020 woke up to my number and email address being change on chime. I tried logging in and I couldnt. Tried to get in touch with them and to let them know whats going on but because they let someone change my information I couldnt get the answers I need. The rep told me to just request to change my information back and because you have to email I didnt hear back anything till the next day. The next day I was able to get someone to help and I was able to log in all my money was gone XXXX plus. My account was hacked and the person that I dont know was taunting me because he was able to get my information and hack my account. I did everything chime told me to do even get a police report they let somebody name XXXX chime to chime money out of my account over 50 times back to back and didnt even red flag it. I disputed it after they then ask me to write down all the transactions I didnt do send in the police report and the text from the person who hacked my account. After doing all this they denied my disputed with no legitimate reason and closed my account. And didnt want to send the denial letter after telling me it was sent I just gave up because I didnt know what to do oh and also my paycheck deposited in the accounts 3 days later and the scammer took half of it and I couldnt pay my rent I was left with nothing and no help I was put out of my apartment I had gotten to far behind and that was my money for my new place.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXXXXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I filed for XXXX  XXXX bankruptcy which was ultimately discharged in XXXX. At the time I had delinquent private Tuition Answer loans through Navient that I used for expenses during school. I was told they could not be discharged and ended up settling with them as a charge off for a percentage of the balance in XXXX. Now I am seeing the pending lawsuit claiming these loans should have been discharged and I have not received anything from Navient notifying me of my eligibility to possibly obtain a refund/damages. My spouse had the exact same situation with his private loans and he is eligible. I am not sure if I trust the company to offer this to me without being prompted. If I am not eligible I would like to know why since my situation seems to meet the necessary criteria.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit, report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnisher, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Student loan

spoke with collection agency and was suppose to be setup on the rehabilitation program, I sent over the required documents and approved to make {$5.00} payments and they have submitted my loans to garnishment. This is causing me further financial hardship and they have mishandled my student loans and are not helping me to resolve this matter.
Product: Credit card

Keeping up with timely payments on this account has always been a priority, ensuring they never fall behind schedule. I'm puzzled by the presence of late payment remarks on my accounts. Referencing 15 USC 1666b - Billing Error necessitates correction.
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Names XXXX XXXX XXXX XXXX XXXX XXXX Accounts ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX  XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX Remove these address ( es ) XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Employer ( XXXX ) XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I deposited my payroll check that I worked for at chase bank on Saturday for {$860.00} and they told me that the funds would be made available today but they are not available!!!!!! I worked for that money and they are withholding it for no reason longer than they said they would. I want my money that I have a legal right to spend on bills that I worked for!!!!!
Product: Credit reporting or other personal consumer reports

Delete Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The accounts below have violated my rights. 
15 U.S.C. 1681 section 602A. 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 an 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 the following items of information any other adverse item of information, other than records of convictions of crimes which anteates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( a ) 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 information is inaccurate.

Please remove all fraudulent accounts. Thank you very much!
Product: Checking or savings account

I opened a checking account with Chase Bank on XX/XX/XXXX and started transferring funds into the account. I transferred {$5000.00} from my XXXX XXXX checking account and deposited XXXX government checks, XXXX from the VA for {$43.00} and XXXX from the IRS for {$80.00}. 
On XX/XX/XXXX I transferred another {$1200.00} from my XXXX XXXX account into my new Chase Checking account. I received a letter in the mail on XX/XX/XXXX ( the letter dated XX/XX/XXXX ) with a subject line To protect against potential fraud, we restricted your account and may close it soon. In the letter it says I may be able to provide information to keep the account open and that I should call to resolve this problem. 
I called Chase on XX/XX/XXXX and the representative said my was restricted due to the XXXX check government checks labeled department of treasury. I was told I need to provide the letters that were mailed with the checks as proof of legitimacy and to take this information to a Chase Branch and they will remove the restriction on my account. On XX/XX/XXXX I went to Chase Bank and representative had to call the specific department that put the restriction on my account. Despite the checks, my IDs, and the verifying letters proving legitimacy, that chase department said it doesnt matter at this point, we are already closing the account. They told me I could reopen a new account once they close this one. Chase said the account wont close until XX/XX/XXXX and then they would mail me a check for the balance in my account. 
I tried to explain that I transferred all my money into this Chase Account and setup all my bills for automatic payment, which XXXX bills were pending at this point. Chat would not allow me to access any money ( gas, food, etc ), would not allow the branch location to close the account their with me present, and did not care at all about the situation they put me in.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX : XXXX, XXXX : XX/XX/XXXX, Address for the past XXXX years Present : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Previous : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Previous XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts XXXX. XXXX  XXXX  under account number ( XXXX ) Opened on XX/XX/XXXX with no balance. 

XXXX. XXXX XXXX under account number ( XXXX ) opened on XX/XX/XXXX with a balance of {$1600.00}. 

XXXX. XXXX XXXX under account number ( XXXX ), opened on XX/XX/XXXX with a balance of {$1200.00}. 

XXXX XXXX XXXX account number ( XXXX ) opened on XX/XX/XXXX with a balance of {$3000.00}. 

XXXX XXXX XXXX account number ( XXXX ) opened on XX/XX/XXXX with a balance of {$1800.00}. 

The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the accounts mentioned above are due to identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the FCRA, XXXX XXXX Account # XXXX and XXXX XXXX Account # XXXXhave violated my rights.

Law 15 USC 1681 section 602 A. States I have the right to privacy.

Law USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without written consent, which I have not given.

Law 15 USC 166b. Staes a creditor may not treat a payment on a credit card aaccount under an open en consumer credit card plan as late for any reason.

Law USC 6802 Obligations with respect to disclosures of personal information.
Product: Credit reporting or other personal consumer reports

I have been disputing these accounts with the creditors and the bureaus since they are the product of identity theft, so far they have not complied with my requests to have them removed. I made a complaint to the CFPB back in XXXX and that complaint was closed the same day, I don't understand why so I want to start a new complaint. The accounts in question are as follows : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX ) XXXXXXXX XXXX XXXX  XXXX {$2900.00} XXXX ) XXXX XXXX XXXX {$3800.00} XXXX ) XXXX XXXX XXXXXXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX {$0.00} I am including a copy of an FTC theft report which I have already sent to the credit bureaus to no avail, as well as my license and a proof of address plus my social.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXX, and XXXX, Account # XXXX 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: Mortgage

Consumer Complaint Summary Violation of Federal Mortgage & Consumer Protection Laws Subject : Dispute of Alleged Debt & Wrongful Foreclosure Violation of RESPA, TILA, FDCPA, UCC, HUD Regulations, and Federal Transparency Laws I. Background of Complaint 1. Loan Origination & Servicing Issues : Loan allegedly originated on XX/XX/XXXX, by XXXX XXXX XXXX, now purportedly serviced by Idaho Housing and Finance Association d/b/a Home Loan Serve. 
Loan is XXXX and subject to XXXX XXXX securitization rules.

Discrepancies exist in the chain of title, securitization records, and IRS reporting, raising questions regarding the true ownership and enforceability of the loan.

2. Disputed Loan Terms & Financial Irregularities : Sales Price : {$370000.00} Loan Amount : {$360000.00} Due from Borrower at Closing : {$380000.00} ( Exceeds original sales price, indicating potential overcharges ) Second Loan : {$10000.00} Total Payments Scheduled Over 30 Years : {$830000.00} Finance Charge : {$350000.00} Annual Percentage Rate ( XXXX ) : 6.777 % Total Interest Percentage : 110.117 % XXXX. Legal Violations & Unlawful Foreclosure Attempt : * Failure to validate the debt under FDCPA ( 15 U.S.C. 1692g ).

* Failure to respond to Qualified Written Request ( QWR ) under RESPA ( 12 U.S.C.

2605 ( e ) ) by the XX/XX/XXXX deadline. Sent via XXXX Mail XXXX. : XXXX XXXX XXXX XXXX XXXX / Return Receipt No. : XXXX XXXX XXXX XXXX XXXX XXXX * Failure to produce original wet-ink promissory note, proof of ownership, and full chain of title, in violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( b ) XXXX UCC 9-317 ( a ), 3-305, and 3-303. 

* Failure to exhaust XXXX  Mortgage Insurance Premium ( MIP ) before foreclosure, violating 12 U.S.C. 1709 and 1710. 

* SXXXX XXXX XXXX Regulations Violations : If loan was securitized, Respondents were required to disclose Form XXXX, pooling and servicing agreements ( XXXX ) XXXX and IRS Form XXXX. 

* Failure to adhere to IRS nominee requirements under IRS Nominee Code XXXX & XXXX XXXX XXXX, requiring disclosure of nominee accounts and tax reporting on debt ownership. 

* Violation of Federal Reserve Reporting Requirements concerning ledger validation rules, which demand full financial disclosure and accounting for the alleged debt before enforcement or foreclosure.
Product: Debt collection

The collection agency is reporting an account status/payment history to XXXX. For example, it notes my payment status as late and has been doing so since 2014. The history section of this history includes 30, 60, 120 days late and the monthly late payments continue to negatively affect my score. 

I called experian to have this removed an told them that collection agencies are not allowed to include this fraudlent information on my account and they said no and pressured me to not submit saying " it would n't get appoved anyway '' and that this was not a law. 

I know that 30/60/90/120+ lates are ONLY in regard to lates on the Original Creditor ( OC ) account. The reporting codes available to Collection Agencies only allows them to provide monthly updates to the Credit Reporting Agencies ( CRA ) as to the current account status as open ( unpaid ), paid in full, paid for less than the full amount, paying under terms. or deleted. 

I want this erroneous/fraudulent/unlawful information removed from my report. They also are reporting this account is " 1-Month '' term and CA 's are not supposed to code that entry that way. 

CA Name : Calvary Portfolio Services
Product: Credit reporting

The site will not load can I get a phone number to call. I only have my cell for internet use and I am worried now that it 's hacked
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of fraud. I send in my letters and disputed all the transactions. XXXX acted with the best result however Equifax has piled all these fraud charges on my report when they clearly were removed from my other reports. Equifax should match my other scores and the fraud damages removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have just provided information regarding credit reports ( this is all common sense and i am aware of what exactly affects credit scores ) I am not an XXXX. They have provided standard info that i think everyone knows affects their credit scores!!! ' They have not responded to 2 of my main points : 1. I have added 4 bills to Experian boost, and it recognized that 3 payments made on each one, but it made no change to my Experian boost or score. Today the 3rd payment was added for my XXXX & XXXX ( XXXX and XXXX ) bill and i got a notification that 3rd payment received and ready to add to boost but again for the 4th bill now it made no difference to my Experian boost and no points were added. So i want to know why 4 bills added to boost with 3 payments on each ( i got the notifications that bill ready for lift off and again its not recognizing or picking up the 3rd payment from the same XXXX XXXXXXXX account. Today it shows 2 payments on my XXXX XXXXXXXX card but the 3rd payment was posted to my XXXX XXXXXXXX account so should have made my score go up or at least recognize the 3rd payment!!! I have 4 utilities recognized by Experian boost but says " no change made to your score at this time '' for all 3 bills they recognized!!! 2. My auto loan made no change to my score for the entire year i had the loan with XXXX XXXX. I also have my XXXX XXXXuto loan i have als been paying every month early and again still no change to my XXXX XXXX  They are not providing answers to my inquires they are just sending an automated response about credit scores that even a XXXX Knows!! I want someone at Experian to actually check my credit score and check the bills i added to boost!!! to see why some payments are not being recognsed on their system ( eg it shows 2 payments made for sdge when i have made the 3rd payment!!!! )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in prior disputes with Transunion, XXXX, and XXXX. They have not responded. They are failing to respond to my request by investigating my request within a timely manner as outlined in the FCRA section 611 ( a ) ( 1 ) subsections A, B, and C. Transunion, XXXX, and XXXX have no reason to assume the request has not been from me considering all the information required to validate and initiate a request was included. I expect Transunion, XXXX, and XXXX to investigate and complete their investigation procedures within 30 days of my initial retrieval of my request as according to the Fair Credit Reporting Act section 611 ( a ) Reinvestigations of Disputed Information ; which requires them to conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30-day period beginning on the date in which they received the notice of dispute from consumer. I expect to receive notice of any notice of determination within 30 business days after today as outlined in the FCRA section 611 ( 3 ) ( A ).
Product: Debt collection

HR account attempting to collect on exempt funds XXXX  was told XXXX  months ago to bill Medicaid for the balance of the copay that is due they said they will pay all pass due bills yet they sent it to collections knowing that I am exempt from debt col ; collection MEDICAID WILL PAY PASS DUE BILLS THEY MUST FILE CLAIM WITH MEDICAID
Product: Credit card

I received an email from Bank of America notifying me that my credit card information has been compromised. They alerted me that a new card was in the mail. I then received a call from Bank of America 's fraud protection department. I asked which store or vendor had compromised my account information. They informed me that they can not tell me this information due to an on-going investigation. They then informed me that even after the investigation, I would not be able to find out who or which vendor compromised my credit card information. This information secrecy is atrocious and unacceptable. Consumers should have the right to know which companies are protecting their consumer data and which companies are not. Consumers should have the right to chose which vendors we do business with based on their ability to protect our security.
Product: Debt collection

The amount is XXXX I traded in my car in 2015 and The new company paid off the old loan so I could have a new loan for my new car in years Later the company exeter finance Told me I owed XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and I noticed that I had late payments on 3 accounts I was in fact never late on. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots of inside this complaint, on dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also account number XXXX showing late XX/XX/XXXX and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I DEMAND these payments to be updated to paid as agreed on time as they should be due to the fact I was never late. Even in the screenshots you can see the inaccuracy of the reporting. Thanks! Please see screenshot attached :
Product: Checking or savings account

On Monday XX/XX/18, Robinhood suddenly and unexpectedly restricted access to my cash card claiming suspicious activity.

Robinhood demanded verification, including a form of identification, a face photo, and personal information, all of which I provided. I explained to Robinhood that an immediate and expedited resolution was necessary as I use this account to pay bills.

Robinhood failed to provide a timeframe in which their internal review process would validate the information I provided and allow me to access my money.

Other Robinhood users have complained of sudden restrictions to their money, and untimely resolutions, which I will not accept.
Product: Other financial service

On XX/XX/2013 I purchased to coolers, from Sears, to be picked up. They told me I had up to a year to get them. When I went to get them several months after, I was told the new manager sent all items back to the warehouse and refunded those cards. I check all my statements from XX/XX/2013 to current and found no refund from those purchases on it. I contacted Sears several times and was told they would investigated then get back with me. I have not heard from Sears store nor Sears customer service. At this point, I want either the refund or the coolers.