23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX I made an account with Chime bank. I was transferred {$1900.00} into this account and didnt touch it until XX/XX/XXXX. In XXXX, I did what I thought was link my XXXX bank account with my Chime bank account. The only way to link them is to go to my XXXX app, which unlocks to my personal account only using XXXX XXXX, meaning I only could have linked my personal XXXX account. After doing this, I transferred the {$1900.00} from my Chime account to what I thought was my Chase account and didnt think about it again because I was saving the money. On XX/XX/XXXX I realized the funds never transferred and I contacted Chime member services immediately. I was told that the {$1900.00} was transferred into a XXXX account that was not mine. I was given the account and routing number for the XXXX account that the {$1900.00} was transferred into and was told to contact XXXX. I was told that since the funds were already transferred and cleared, there was nothing that Chime could do for me. I called XXXX right away and was told by a XXXX member that the account and routing number that the funds were transferred into does not match any account and/or routing number of theirs. I was told I need to get back in contact with Chime because XXXX obviously could not do anything for me. I called Chime back right away and was finally able to file a dispute over the phone. The dispute was denied within XXXX hours, saying no error occurred. I called Chime and was told by a chime member that my situation would be getting escalated because it was of high importance and that I would be hearing back from them ASAP. After not hearing back for at least a week, I called Chime again and was told my situation was not escalated and that I need to file a rebuttal. I filed the rebuttal and was told Chime has 45 days to get back to me. I have attached 2 images, one showing the last 4 digits of my personal XXXX XXXXhecking and savings accounts, and the other one showing the last 4 digits of the account that the {$1900.00} was transferred into. They clearly do not match, and the account that the funds were transferred into say XXXX next to them, even though its not actually a XXXX account. There is very obviously some kind of fraudulent activity going on within Chime and I would love to finally get to the bottom of it and have my money returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX and a few of my federal rights have been violated! 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, as well as some of the following rights also! 

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 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. 

XXXX : ACCT # XXXX, XXXX  XXXX : ACCT # XXXX, XXXX XXXX  XXXX : ACCT # XXXX, XXXX XXXX  XXXX : ACCT # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX : ACCT # XXXX, XXXX  XXXX : ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX : ACCT # XXXX, XXXX XXXX : ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX : ACCT # XXXX, XXXX  XXXX : ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX  : ACCT # XXXX, XXXX : ACCT # XXXX, XXXX  : ACCT # XXXX, XXXX XXXX XXXX : ACCT # XXXX XXXX  XXXX XXXX  : ACCT # XXXX XXXX XXXX : ACCT # XXXX XXXX  : ACCT # XXXX XXXX XXXX XXXX : ACCT # XXXX XXXX  XXXX XXXX  FIN : ACCT # XXXX
Product: Checking or savings account

I have a XXXX XXXX XXXX, and a business checking through Chase bank. Someone hacked into the tshirt company that I order my blank shirts from and made 22 orders under my account and company debit card. All of these orders were shipped to New York. I have filed a police report. I have closed my account with the tshirt vendor and cancelled the debit card from Chase. There was about {$8500.00} worth of charges that were not authorized by me taken directly from my account. I have never shipped an order to New york. Chase says it isnt fraud because I regularly use this vendor, but I sent them all the invoices showing that the goods were not shipped to me or received by me., or authorized purchases. I have filed a claim with Chase 3 different times. I have contacted the office of comptroller of the currency who sent me to you. I do not know what else to do. This was absolutely fraud on my debit card and I am currently in the negative with my checking account at chase. PLEASE HELP ME GET MY MONEY BACK! 

I do not have the documents scanned into this computer but I will happily fax them somewhere if you could please forward me the fax info.
Product: Credit card

Aspire credit card is charged me for paying early, the person I spoke with said, if I pay the bill on the first 3 days of the month, it goes to the perverse monthly payment, and they have charged my a late fee for paying early, I feel this is bad business
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX, my personal and financial information was compromised without my authorization or consent. The Department of Government Efficiency ( XXXX  ) violated Higher Education laws, the Privacy Act of XXXX, and the Family Education Rights and Privacy Information Act ( FERPA ). XXXX did not have my consent to access my data, nor did they have government clearance, and they still accessed my data. They are not employees of nor are they authorized parties to the Department of Education or any of the loan Servicers. XXXX or more of the employees are known hackers and have leaked classified information as well as proprietary company information. Some or all of the individuals have vested interests in other countries as they are not American born citizens or have dual citizenship with multiple countries. The Department of Education and any federal loan servicers are required to protect my data and not allow unauthorized access to anyone whatsoever without explicit consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft used name, date of birth and Social Security to obtain a fraudulent account with Ford Motors Credit LLC
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of id theft. these items do not belong to me due to fraud u s bankruptcy court XXXX XXXX XXXX opened XX/XX/2013 {$6900.00} XXXX emergency med gr {$260.00}
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Notice of Violation of Consumer Law Regarding Furnishing of Information without Written Consent To whom it may concern. I am bringing to your attentin a serious violatin of consumer law by your ageny n the process of furnishng information to credt reportning agencys. It has come to my attention that you have been providing sensitive information without my consent, thereby disregarding the provisions outlined in 15 U.S Code 1681b ( a ) ( 2 ).

Under ths sectn of the Fair Credit Reprting Act ( FCRA ), credit reporting agencies are strictly required to furnish informatin to third parties only in accordance with the written instructions of the consumer to whom it relates. I firmly believe that your agency has failed to abide by this provision, listed belw are instances of non compliance XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I request that your agency immediately cease furnishng my informatn to any third parties without my written consent, as explicitly required by 15U.S.Code 1681b ( a ) ( 2 ). Furthermore, I expect your agency to take immediate actin to rectify the violatins and ensure that my credit fuel is accurate and fair.Failure to comply with this request within [ 30 days ] will result in your organizatin being held liable for {$1000.00} per violation as stated under the FCRA The FCRA provides consumers with certain rights and remedies in case of non compliance. If the violatins are not addressed promptly and appropriately, I may be compelled to exercise my rights, which may include filing a formal consoling with the appropriate regulatoryauthorities and seeking legal redress.

I strongly urged you to investigate this matter thoroughly, rectify the violatins promptly, and provide me with written confirmation of the actions taken to resolve this issue. I expect to receive a response from your agency within 30 days of receiving this letter.

Thank you for your attention to this matter .I trust that you will take the necessary steps to the violations an ensure compliance with consumer protection laws Sincerely, XXXX XXXX
Product: Credit card

Capital One sent me an email telling me they had unenrolled me from paperless statements when I missed a payment. A couple of days later, they sent me an email stating " Thanks for enrolling in paperless statements. '' I did not re-enroll in paperless statements. Enrollment in paperless statements requires consent for purposes of XXXX, which I did not provide. Accordingly, Capital One is violating XXXX by enrolling me without my consent. Further, TILA does not permit creditors to condition delivery of periodic statements on paperless enrollment. As such, failure to send a paper statement in the absence of XXXX consent constitutes a violation of TILA 's periodic statement rules. I believe this issue is not unique to my account, and it is likely that many consumers were enrolled in paperless without their consent and have not been receiving statements properly.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$23.00} XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$510.00} XXXX XXXX XXXX  ( Original XXXX : XXXX XXXX  ) XXXX Balance : {$550.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and was alarmed to discover several accounts that I did not open. It appears I have been a victim of identity theft, which has negatively impacted my credit score during a critical time as I am in the process of purchasing a home for my family. 
I request the immediate removal of these fraudulent accounts from my credit report. Please take the necessary steps to investigate this matter and ensure my credit report accurately reflects the accounts I have authorized. 
Thank you for your prompt attention to this issue. I look forward to your swift resolution.
Product: Debt collection

I notified the debt collector and let them know that I paid my bill and that I also paid on one bill. The representative said they didn't see any information in the system at all. I sent them a copy of the receipt around XX/XX/2018. No one has responded. When I called back and asked did they record my call with the representative they said they record some calls but, mines wasn't recorded. I still have those bills on my account. 
The next claim is with an insurance agency. I called to let them know I could no longer afford the insurance and to cancel it. She said when we first started talking that the call was being recorded. I said ok. Now they are trying to charge me for not paying for 3 months. So, asked will you please pull up the call in which I was informed that was being recorded they couldn't find the call. I cancelled my insurance 3 months before and now they are trying to charge me. I also, made a Co-payment to the hospital in the emergency room. But, they said I owe a full payment which is unfair. I paid my co-pay but, they didn't deduct it from the bill. I don't owe these debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 items 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 an alleged fraud or extortion. 

Please remove the following items : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$3900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My account is incorrect, I am a natural person, I am a living human being, I have right under 15 USC 1681 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy & consistency. 
XXXX, and Experian is governed by 15 USC 1681. And they have violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and accuracy I did not give XXXX and Experian written permission to furnish these accounts. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I've contacted Citi Bank several times to resolve a unreleased mortgage from XX/XX/XXXX. Upon calling I was referred to a resolution team that does not accept calls only faxes ( XXXX ). A fax was sent several times without any followup from the company. I am in dire need of a lien release on a mortgage from XX/XX/XXXX, The CitiMortgage at that time was transferred or sold, yet, the mortgage was not released by CitiBank, The loan number is XXXX. Pin XXXX. I was due to close on XX/XX/XXXX, my closing has been delayed until this matter is resolved. Please assist in providing the necessary release of this mortgage. If additional information is needed please contact me, by phone or email at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following account be removed immediately. 

XXXX XXXX Please provide me with the Consumer Contract with my Signature on it. 
Thank you for your prompt assistance in this matter. 
Sincerely, XXXX XXXX XXXX
Product: Student loan

Premier student loan services was supposed to help me with my student loan. After taking away from me for about a year and never heard from them again and I was wondering what happened to the company. After trying to reach the company I realize that the company is no longer in service. I want to know how can I get my money back I think Ive been scammed. This company did not notify me of any changes that they would no longer be in business, this company did not officially complete the services as provided, I most definitely feel scammed.
Product: Credit card or prepaid card

So on XXXX XXXX I decided to get XXXX  using Apple Card with their finance options, but I had to cancel my order because I changed my mind on the model and I ordered a different model. Initially I paid {$8.00} for expedited shipping and it was charged on my Apple Card XXXX XXXX. I saw the pending charge of {$8.00} and didn't think the pending charge would be on the account longer and it will fall out. It's been 3 months and I have reached out to Apple Card numerous of time and countless hours. I now understand no one is competent to handle my situation and they keep brushing me off, cause they can not find the solution. I have been told different dates that my problem was going to be solved, some said 3 days, some 5, some  10 and some even 90 days. I'm very frustrated as this is not my fault and I have to call them from my time and spend hours going through this ordeal.
Product: Debt collection

I received a report from XXXX stating that this account was on my report. I have no knowledge of this account, and it needs to be removed due to my identity being utilized improperly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried repeatedly to have this account disputed Experian, even ask for the verification For an account with XXXX XXXX have n't receive anything. I tried disputing it again but there answer was that it was already investigated and would not do it again
Product: Mortgage

Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint because your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). We are happy to provide any requested additional documents to complete this client 's loan modification review. It is improper, however, for you to deny this application based on a determination that the application is incomplete. The lender is stating the application submitted for the review is not correct according to FHA required form - I have attached the application, which is the same as what is being requested for this review and has already been provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ).

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  has confirmed in the last 60 days that all of my loans are issued by them.  XXXX  has been fraudelently duplicating the same  Student  loans on my credit report making my balances and debt owed double what it really is. I have no borrowing agreement with this company and they continue to call, and now are sending thick packets of mail with information that does not belong to me.  XXXX  has already deleted all their accounts and updated only   XXXX   XXXX   XXXX   XXXX  . I am also very aware that this company has been investigated and apart of several lawsuits. Please look into this matter and have this issue resolved, because they continue to call and now are sending mail that I have nothing to do with. My only borrower is   XXXX   XXXX   XXXX  . Thank you!! My name is  XXXX   XXXX   XXXX , My balance with   XXXX   XXXX   XXXX   is approximately {$21000.00},  XXXX  continues to report {$40.00},  XXXX  and duplicate same information coming from   XXXX   XXXX   XXXX  .
Product: Student loan

Nelnet ( never attended XXXX  University XXXX unsub federal loan XX/XX/2017 {$6400.00} sub loan XX/XX/2017 {$3500.00} grant {$2600.00} I decided I was going to go back to school this year due to losing my job from COVID when I finished filing out my FAFSA I noticed my loan and grant total was exceptionally high. Looking further into it I noticed loans that I never took out. I called XXXX and they had information on file that was not mine. I have never lived in XXXX, West Virginia nor have I ever had that number. They instructed me to call NelNet for help resolving my Identity Theft case. NelNet was extremely rude. They told me I would received an email about what steps to take to resolve my issue. I have not received said email