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

I have had an account with chime for about 5 years, today I wake up to an email stating my account was closed and a check will be issued within 30 days, I said I would pay any fees to get my money to me sooner being that this is my only bank account and I need to pay rent and eat and afford transportation to and from work, I'm adopted and my mother passed away, I'm all alone with no one supporting me and they closed my account and I can not get in the account, I had over {$700.00} in the account at the time of closure and need that money or I'll be homeless!
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified XXXX XXXX format reporting standards. 

Your agency is in violation!

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 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.
Product: Credit reporting

The credit bureau 's failure to provide me with information to prove that this is my account they have stated that they will no longer investigate my claims. I am requesting proof or remove the in accurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my personal information stolen during the Equifax security breach.
Product: Debt collection

I had an outstanding balance with XXXX that I settled with XXXX XXXX XXXX in XX/XX/XXXX. Around XX/XX/XXXX I got a collection letter from Convergent regarding the same account. I initially thought it was sent in error since I didn't pay attention that it was a different collector, I just saw it was the XXXX acct & I had already gotten a proof of payment letter back in XX/XX/XXXX & with everything that was going on in the world I really just forgot about it. When I got another letter that's when I noticed it was from a different collector. I checked my credit report & saw the amount was back on my report but now Convergent was the name on it. I called Convergent in XXXX to get info & between speaking to them & XXXX several times I was eventually told my account was sent to Convergent from XXXX in XX/XX/XXXX because at that point it was still showing as owed in XXXX XXXX because that was before they received the confirmation of amount paid from XXXX XXXX. I spoke to someone at XXXX I was told was manager in the account recovery dept ( not sure if that was the exact name but was told they were dept that handled old accts that are sent to creditors ) & she verified she saw the amt on that account was paid in full & I had no outstanding balance with XXXX. Since XXXX I have made several calls, pretty much once every 4-6 weeks, to Convergent & have sent any & every document they request as proof of payment ( bank statements, proof of payment letter from XXXX ) but all they do is put it off on XXXX, ask me to send more or re send the documents I sent previously saying they didn't receive but the previous person I spoke to just the weeks/month before had verified receipt & said they needed time to review & reach out to XXXX. I have spoken to who I was told was managers who say they will review & get back to me but not one time has anyone done what they said they would
Product: Credit reporting or other personal consumer reports

My credit appears to have been compromised, as I noticed several items on my report that were opened without my permission. Under section 605B of the FCRA, you are legally required to remove items resulting from false credit reporting. The disputed items are unknown to me, and I have attached the necessary FTC Report for your reference. Please remove these items immediately. If there is any chance these items belong to me, I need all documentation bearing my signature. According to my research, you must verify that each item is 100 % true, accurate, correct, complete, and verifiable. If you can not provide these records and still claim the items are verified, I will pursue legal action. I take this matter seriously, and so does my attorney. Comply with the law to resolve this matter swiftly. Remove the disputed items that were opened without my consent or knowledge, pursuant to Section 605B of the Fair Credit Reporting Act : EXPERIAN XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance XXXX : {$140.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance Owed : {$1900.00} XXXX XXXX  ( Original Creditor : PXXXX XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$1100.00} XXXX XXXXXX/XX/2022 -- -- XXXX -- -- XXXX : XXXX XXXX Balance Owed XXXX {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1900.00} XXXX  XXXX Balance Owed : {$2800.00XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} -- -- -- -- -- XXXX : XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$140.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1100.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX OF XXXX XX/XX/2022 XXXX XXXXXX/XX/2022
Product: Debt collection

They called twice to serve me with legal papers unless i contacted them. They want more than what the loan was for and if it was n't paid they would take " action against me ''. 
The deadline came and went nothing happens.
Product: Vehicle loan or lease

I had a loan/lease agreement formally with CIT Bank , now First Citizens Bank . The vehicle was determined to be a total loss in an accident in XX/XX/2024. Myself and the insurance company, Federated Insurance, have made numerous attempts by phone ( waiting on hold hours ), emailing and faxing with no response regarding our request for a Letter of Guarantee.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX  XXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$420.00}
Product: Credit reporting or other personal consumer reports

I recently disputed some late payments that are reporting on my account as to any " transactions or experiences being excluded '' from any consumer report. Therefore, I shouldn't have that information being displayed on my report according to the definitions and exclusions of the word " consumer report '' Pursuant to 15 US C 1681 a Definitions : rules of construction ( d ) consumer report ( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Mortgage

Acopia Home Loans is not following the regulations of XXXX XXXX when consumers are applying for home loans. I was flabbergasted when I was told by the loan consultant that my monthly payment documentation for XXXX student loans is not acceptable due to the deferment and was adamant that " the most we can do is assess .5 % '' of the loan balances. I was shocked that this loan company 's Underwriter submitted this information to a consumer -- making up their own rules and ignoring XXXX XXXX guideline. The statute states the loan company " must '' use documentation when the monthly payment is not specified on the credit report. I submitted three pieces of documentation as to the monthly payments of my XXXX student loans. I am amazed at the deliberate tactics of loan consultants/underwriters here in Alabama to assess this 1 % rule for XXXX XXXX Conventional Home Loans when infact the guideline is clear -- '' must '' use documentation. I had one loan consultant assessed this 1 % rule on a small student loan without my knowledge while I could have furnished documentation, but stated that he is not going to change or correct the issue because closing is on XX/XX/2021. Consumers are being cheated out of qualifying for home loans big time in this state.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus are reporting different and inaccurate information regarding these account in the attached file. It reporting different open dates for the loans and reporting that they are 120 days late on payments which is incorrect information. With the current loan forgiveness status, all federal loans payments have been extended according to the Trump ( former ) and Biden Student Loan Forgiveness. This information should not contain these current inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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  has violated my rights. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

The CFPB has already successfully had a case against OcWen. They did the same thing to me in 2010 and I just lost in federal court against them. They lied and used subterfuge, ignoring all they did to try to unjustly and fraudulently foreclose, attempt and threatened to foreclose on the property in question. We were XXXX XXXX XXXX  XXXX customers when the company was shut down and our mortgage farmed out XXXX, a subsidiary or OcWen. They tripled my mortgage, collecting escrow not due and not allowed by the original loan, refused my regular payments or paid escrow amounts not due without applying payments to mortgage, caused a huge escrow to be due without correcting account even with repeated attempts by me to correct it and sending documentation. They then repeatedly sold the loan to subsidiaries within the OcWen company, each time adding more and more fees not due, refusing payments and refusing to correct account to allow me to make my mortgage with timely payments as I had always done without fail. After 6-12 months of this and publishing foreclosure action notices repeatedly in local newspapers, I had to seek an attorney. We filed suit in state court, it took OcWen 3 yrs to reply to discovery and they have dragged this case on for years, forcing it into Federal court where they historically are at an advantage, unless you have exemplary counsel which I can not afford, nor have I been able to afford. They have taken advantage of my lack of money and lack of good counsel repeatedly. I am going to be homeless without help and I had never missed a payment, always paid taxes and insurance. I was attacked and had my home stolen by a multinational company with bottomless resources which I am not able to fight. I need someone to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the late payments showing on my account for Westlake Service Inc which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
Product: Money transfer, virtual currency, or money service

I purchased a vacation from a telemarketer. Upon review of their available resorts, I requested cancellation/refund, clearly within their written terms. When I received no response, I contacted Citibank to dispute the charge. In spite of clear documentation provided, Citibank repeatedly denied my disputes. Initially Citibank asked me to provide supporting documentation, and when I did, simply said they can not do anything with no explanation for why, and that the investigation was closed. I feel I have been wrongfully denied by both the merchant and Citibank and am hoping you can help. I have all the emails and executed documents to support my case and am happy to provide - I attached summary and final attempts to this request below. Kindly advise. Thank you so much in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

was told it was be no credit check and no hard inquiry 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: Checking or savings account

Iam a XXXX XXXX that received a XXXX award from my job on XXXX. I went to chase bank on XXXX XXXX XXXX XXXX XXXX XXXX  XXXX to cash or deposit the check on XX/XX/2024. When I first arrived I approached the teller I requested to cash the check because one the check was drawn on chase and also I have a Chase checking and auto account. The teller said I can cash the check with no problem, then an assistant XXXX came from the back looked at me in disgust then proceed to say she can only release XXXX of the check and the rest have to be deposited. This was no problem to me. As the teller was depositing the check she says that its a hold on the check I ask why? IT Was a XXXX check drawn on chase bank. She had no answer. She told me to sit with the manager, I asked why its uneccesary all I wanted to do was deposit my check that I waited XXXX XXXX years for. The manager starts to pull up my account asking why I don't get direct deposit etc all of these questions are uneccesary for a consumer to deposit their check rightfully. He then say he can't deposit my check, I asked why he say refer to the maker. My check had a stub attached t it to explain what the check is for, the number to verify it and etc. He refused to verify the check and gave it back to me saying he can't accept it. I called my XXXX, and the XXXX XXXX  of XXXX to see why I couldn't deposit the check, they informed that the check is good and its nothing wrong with it. The XXXX XXXX ask chase why they accept my check and they couldn't give an answer. it is very clear I was being discriminated against and I want answers!
Product: Checking or savings account

I have a online account with chase bank my son and son in law got paid and signed over their checks to me and I deposited them the bank couldnt verify my XXXX XXXX XXXX so they turned the checks into fraud protection and closed my account. They took the money out of the account that the checks were drawn from and wont let my son and son in laws boss to recall the checks and wont give me the money its been since XX/XX/2023 and the checks were {$770.00} and {$710.00} total XXXX XXXX at my end I dont know what else to do they still have my money and wont return it to the bank they were drawn from
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having trouble removing these fraudulent items from my credit reports.
Product: Money transfer, virtual currency, or money service

I have deposited a XXXX XXXX  Bank Check from XXXX XXXX XXXXXXXX. Chase bank will not release the funds because they said XXXX  XXXX XXXX has not cleared the funds!! I have never had an issue depositing this check over the last 5 years. Chase refuses to release this money. I get the run around from Chase, depending on the customer service agent I speak to its either XXXX  cant verify the funds or XXXX  hasnt cleared the check. This is a XXXX XXXX  Check from a prestigious University!! I dont have my money and I am getting the run around!! The last customer service at Chase said that XXXX did not provide the day the check cleared and if there are any stops and holds on the check from their end. XXXX did tell Chase there is enough funds in the account.
Product: Checking or savings account

On XX/XX/XXXX, I sent a letter to Bank of America at XXXX, XXXX XXXX XXXX XXXX, XXXX NC XXXX. 
The letter was my feedback for the response I received from XXXX XXXX of Bank of America to my CFPB Complaint # s XXXX & XXXX. 

On XX/XX/XXXX, I received a secure message from XXXX XXXX XXXX, Senior Resolution Specialist, Regulatory Complaints of Bank of America. 
XXXX XXXX 's message was in response to my feedback letter of XX/XX/XXXX. 
In the secure message, bank statements for the months of XXXX and XX/XX/XXXX were attached. 

The statements were for Account # Account # XXXX XXXX XXXX owned by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX-XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX So, I responded to the secure message asking XXXX XXXX why Bank of America had wrongly sent me confidential financial information belonging to another customer. 

XXXX XXXX replied on XX/XX/XXXX by stating the following : The bank statements included in the secured email was not intended for you. 
As such, we ask that you delete the secured email with the third party information. 

That's all. XXXX XXXX provided no information whatsoever explaining why such a serious data breach had occurred at Bank of America! 

So, on XX/XX/XXXX, I sent XXXX XXXX a secure message in which I stated the following : If Bank of America can wrongly send another customer 's sensitive data to me, tomorrow it can do the same thing with the sensitive data of my own bank accounts too. 
So, what measures has Bank of America taken so far to ensure such a serious data breach does not happen again? 

It has been over a month since I asked this simple question to XXXX XXXX. 
But I have received no reply from XXXX XXXX to my query. 

It's bad enough Bank of America committed a serious breach of sensitive data by sending to one customer confidential financial information of another customer.

But what is even worse is when their Regulatory Complaints group treats the issue as though it's perfectly normal for the bank to do such a thing!
Product: Credit reporting, credit repair services, or other personal consumer reports

SEE ATTACHMENT FOR IDENTITY THFT REPORT. 

An unidentified account that is not mine was furnished to my consumer report on XX/XX/2023 and flagged for collection as of XX/XX/2023 in the amount {$9000.00}, by XXXX XXXX XXXX XXXXho also placed an address on my consumer report that is also not mine nor am I associated with. I reached out to the furnisher to make them aware of this error and mistake and request for it to be corrected by deletion as they were unable to verify my information with that on record. They refuse and sated I will have wait for an investigation to concluded as someone else already dispute it. I informed them I will be disputing the account also, to which I was to told I will be threatening them if I do, shortly after they disconnected the call.
Product: Credit reporting or other personal consumer reports

Child support is reporting to my credit report unconstitutionally. I never gave child support my social security number nor did I enroll in a program or contract with them. I would like this item removed immediately