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

Chime bank does not allow adding most banks as external bank accounts on their site/app, as well as adding Chime as an external bank account on other banks platform or allow the other bank to validate Chime via trial deposits. 
Even when I am able to finally add ONE external bank on their site, it can not be used as the source account to transfer funds into Chime. Ridiculous!! 

Also, their mobile app provides the capability for mobile check deposits but they do not accept checks. Really? 

They do not have any kind of phone support. Not sure which part of the world their email support is outsourced to, but the reps have no knowledge of how their own bank operates and can not answer any question or address any issue.
Product: Credit reporting or other personal consumer reports

I have requested and submitted multiple complaints on account and it hasnt been updated Ive contacted all agencys concerning this matter and have got Zero results! 

( XXXX ) - Account was opened fraudulently and in result account closed under my Rightful knowledge. The company has not complied to remove account from system after showing Requested documentation to the Company! I want this account deleted from my Credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a complaint with identity theft documents of inquiries that are on my Experian credit report. I asked that they be removed but to my knowledge, the ones that were stated in the government documents where not removed, which are the following : XXXX, XXXX XXXX  XXXX 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 XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND XXXXXXXX XXXX XXXXXXXX. I ask that these following inquiries are to be removed from my credit report.
Product: Credit card or prepaid card

I have previously filed a cfpb complaint under XXXX ID : XXXX. The complaint was in regards to secure message center not fully functioning and the documents that I sent in not being reviewed for a dispute that was closed for lack of response. The response that I received from Chase was insufficient as they did not even acknowledge the outage. Chase closed my complaint as resolved. I have tried multiple times to get a hold of the Chase representative that reviewed my complaint. However, XXXX XXXX extension. XXXX ) has failed to return any of my calls. I am frustrated that my complaint was closed and I have been told that no one can provide additional details of the case ( reference # XXXX with the exception of XXXX, who has failed to contact me as requested.
Product: Credit card or prepaid card

Website have been down for XXXX weeks something needs to be done and now my cards are being declined.. hope I will not be charged late fees
Product: Vehicle loan or lease

I paid a company for titles XXXX XXXX XXXX for which I paid off and contacted the Lienholder Santander, Consumer Finance both to no avail.

Below are the vehicle details.

I can not sell the vehicles due to the problem of having NO TITLES. 

Thank you for any assistance you can provide to obtain the Santander Title Release of Lien or the Vehicle Titles. 

Attached is the letter we sent to Santander regarding obtaining XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX To : Santander Title Release of Lien Division From : XXXX XXXX XXXX Hello, I have XXXX vehicles that were paid in full that I have yet to receive the Title Release of Liens. I need to obtain the Titles for both. 

The VIN # s are as follows : XXXX XXXX XXXX XXXX XXXX # XXXX Registered in XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NJ XXXX Plate # XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX VIN # XXXX Registered in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I attempted in use your website XXXX/Santander but because the loans were satisfied so long ago..XXXX. 

Thank you for your assistance. It is greatly appreciated. 

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

There is information on my Consumer report that I did not provide written permission or instructions for identified transactions to be reported on my consumer report. Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ) - Permissible purposes for consumer reports ; In general ; In accordance with written instructions of the consumer to whom it relates. 
XXXX and Transunion are in violation of the Fair Credit Reporting Act. In addition to 15 U.S.C. 1681c- Requirements relating to information contained in consumer reports ; No adverse item besides the conviction of crimes should be on your report, any item that is derogatory mark is not allowed into consumer reports, that is another violation.

12 C.F.R. 1022.3 defines Identity Theft as fraud committed or attempted using identifying information of another person without authority. According to the Fair Credit Reporting Act 15 U.S.C. 602 states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers ' rights to privacy. '' XXXX and Transunion are a consumer reporting agency, and I am the consumer. I have the right to make sure my private information is not shared, which is backed by 15 U.S.C. 6801- " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. ' As of XX/XX/, there is an Auto Loan, Unmailable addresses and phone numbers on my report that are unauthorized by XXXX and Transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by the company ( They should have recorded calls ) in  XX/XX/2019. I told them the monthly payment is too much and I am unable to pay due to some job problem. They told me they have this special program where they can enroll me and I can tell them a fixed amount I can afford to pay monthly. I told them I can afford XXXX $ a month. They took my payment method and put my card on auto pay. after 4 months XXXX, XXXX, XXXX and XXXX passed by I see that I have late payments reported for these 4 months on my credit reports where as due to the agreement i was making the payments on time. I tried to call them and explain this but their customer service never listen to me. 
These late payments shouldnt be on my credit report since I was paying the amount they told me to pay all 4 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent a letter out on to XXXX, XXXX, and Equifax. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 



According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 XXXX XXXX reported an unauthorized inquiry to experian and XXXX. i didnt receive any service or good or give permission to report. 
i submitted a FTC report and sent it to both credit reporting agencies on XX/XX/2021. no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX A C XXXX XXXX : {$0.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX  CA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX CA XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

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

15 USC 1681 Section 604 A Section 2 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 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. 

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX  - XXXX {$6400.00} XXXX - XXXX {$790.00} XXXX  - XXXX {$12000.00} XXXX - XXXX {$510.00} XXXX  - XXXX
Product: Vehicle loan or lease

Toyota Financial sent a bill on XX/XX/2020 advising me I owed Personal Property Taxes on a XXXX. 
I do not possess the XXXX, having traded it in for a XXXX XXXX in XXXX. 
Later correspondence showed the personal property taxes for due for a XXXX in XXXX, VA. 
I do not live in XXXX, Virginia. I live in XXXX XXXX County Va and have paid personal property taxes there. 
I have never been to XXXX, Virginia. I do not do business of any kind in XXXX, Va. 
Yet. Toyota Financial will not accept that explanation and have threatened me with turning this matter over to a Credit bureau. 
My file # with Toyota Financial is XXXX I have tried to resolve this issue with them. They use the internet to correspond and accept my comments. 
Today, XXXX XXXX, I spoke with XXXX, on the Toyota phone # for consumers, and explained the problem. She said she would " try '' to expedite this issue so to avoid any collection company issues. Trying does not work for me. 
I consider this harassment. Their inability to find the right person to bill for the Personal property taxes in XXXX Virginia. Is causing me great pain and suffering. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I finance a XXXX XXXX XXXX with Bridgecrest as the finance company. I had the vehicle for almost 2 years and never had a missed payment. My suv was recently totaled loss on XX/XX/XXXX. The insurance company of the other driver accepted liability and issued a payment to Bridgecrest of XXXX. In the meantime as Bridgecrest was waiting to receive payment from the Insurance Company I continued to make my payments because I did not want to ruin my credit. I called Bridgecrest weekly to see if they received payment to avoid any issues because I would have continued to pay if has too. They had told me they received payment and to call back in a week. I was still able to check the account and when I did it showed that the check was posted and that I had a balance due of XXXX. I called and they said it was a mistake and to disregard they will fix it. 
The insurance company issued Bridgecrest a check on XX/XX/XXXX paying more than what I owed on the suv leaving bridgecrest to issue me a payment from the account having an overpayment of {$140.00}. 
On XXXX I received a credit alert from experian that I have a paid/closed account with a 30 day late payment. This hurt my credit very bad. On XXXX is when I received my alerts from XXXX and XXXX showing the same thing. I called Bridgecrest to speak with someone who told me that they will fix the error and it can take up to 90 days. I am not understanding why I have to wait almost three months for a mistake made on their behalf. I am in the process of buying a house and now I have this huge problem that I didnt create. My scores drop 40-51 points from each bureau.
Product: Credit card

I applied to get your XXXX XXXX. Never was I formally notified that I will not be receiving the sign up bonus due to having another card open through American express. It clearly states in the terms of the card that I would be notified before processing an applications. I have spoken to XXXX different customer service reps including a XXXX who can not show me where I was made aware that I would not receive a sign up bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not get my credit report from equifax through mail or website
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have contacted this company several times through certified mail asking for valid proof of ownership of account with a signed contract with this company. This company has failed to send the contract but statements, which is not the same yet has not removed from 2 of my credit reports ( XXXX and XXXX ). Pursuant to 18 USC 8, I owe no debt, THis company is violating my consumer right to privacy pursuant to 15 USC 1682 1b. This company has no permission to report ANYTHING using my information pursuant to 15 USC 1681.4.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and 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.

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has sent my complaint to the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/Equifax/XXXX  credit reporting agency have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the this account. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

XXXX XXXX XXXX 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 card or prepaid card

I, XXXX XXXX XXXX, was denied an extension of credit by Chase and I understand that " credit '' is the right granted pursuant 15 USC 1601 ( f ) and I am the " creditor '' pursuant 15 USC 1601 ( g ). When I applied for a Chase Sapphire Card in good faith I exercised my right to credit in which I intended for my personal, family and household use and was discriminated against pursuant to 15 USC 1691a ( 3 ). I understand that no personal information shall be taken for public use without equal and or just compensation pursuant to the US Constitution. entered into a consumer credit transaction with Chase by submitting an application which became an asset when I entered my name, address, phone number, email and social security number which secured an account in which I received No Benefit. Since I received No Benefit pursuant to 15 USC 1602p this is an unauthorized use of the consumers social security number/credit card pursuant to 15 USC 1602l . I have enclosed a copy of the adverse action letter which evidences unfair, deceptive and abusive practices pursuant to 12 USC 5531 in which I have highlighted. 

Since the letter you sent me on XX/XX/2022 is both proof and evidence that I have been discriminated against, you are also criminally liable. I demand that Chase resort to reasonable procedures to rectify this affair and compensate me for the use of my personal information along with my social security number and all the proceeds it generated in the application/asset. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. Silence is Acquiescence, Agreement and Dishonor.
Product: Credit reporting, credit repair services, or other personal consumer reports

i received an email from XXXX XXXX about an unknown credit card from Pentagon FCU added to my accout with unexpected amount on XX/XX/XXXX, XXXX this is when i came to know about this fraudulent card added to my report. ive filed a dispute with XXXX XXXX and XXXX to investigate and fix the error. 
i would like this to be investigated and fix the issue as soon as possible. i am a victim of identity theft.
Product: Checking or savings account

I banked with Wells Fargo for many years but ended up closing my account because of their bad management and customer service. Had called and went in to talk to them about checks coming in and Wells cashing the biggest first in order to charge over draft fees. They did this over and over. Had money coming out of my account and was overdrafted over {$400.00} in fees at one time. Went in to try to figure out what was going on and they told me to balance my checking account. Ended up finding checks from someone else 's account being taken out of mine. This happened over a several month period. Didn't have access to the cash they took out of my account to pay my bills. When I asked them to fix it. They told me to close my account that I'd had for many years and open a new one. I did, at another bank. My mortgage was sold to them a few years later and you had to go into the bank to pay the first payment. Went in, explained what it was for. Check was written out for the exact amount for the mortgage. They ( over ) paid a credit card instead that I hadn't recieved a bill for yet and they didn't pay the mortgage. Got a notice my mortgage was late and had to go into the bank to straighten that out.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXXXX/XX/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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX : account name : XXXX
Product: Debt collection

This is my 2nd time reaching out to XXXX XXXX XXXX XXXX XXXX XXXX ( the address attached to the company is Midwest Recovery Systems ) in reference to them incorrectly reporting a debt that is not mine. XXXX XXXX XXXX XXXX XXXX XXXX ( Midwest Recovery Systems is reporting a fraudulent collection account on my XXXX  report and it is effecting my negatively and it needs to be removed ASAP. I have requested that they provide me with information that they have that connects me with this debt and they have ignored me. I am requesting that XXXX XXXX XXXX XXXX XXXX XXXX ( Midwest Recover Systems ) properly and legally VALIDATE this debt and show proof that it is my debt. I am requesting the following information : Please provide me with the following : What the money you say I owe is for : Please provide a copy of the signed contract Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service
Product: Credit reporting, credit repair services, or other personal consumer reports

I've made several attempts to correct items on my consumer report that is inaccurate. 

In XXXX, I sent a mail disputing inaccuracies and I was told items were updated. The items were still inaccurate so I sent another certified mail on XX/XX/2022 delivered XX/XX/XXXX ( tracking number XXXX XXXX XXXX XXXX XXXX ) asking to look into the matter, but no resolution. 

According to 15 USC 1681e ( b ) a consumer reporting agency required to assure maximum possible of accuracy 15 USC 1681s-2 ( A ) ( 1 ) - person shall not furnish any information if the person knows or has reasonable cause to believe information is inaccurate.

I have repeatedly reached out to Equifax for over a year, with no resolution. My consumer rights that should be enforced federally has been violated. 

I've attached my initial letters ( XXXX, XXXX, and XXXX ) & latest credit report