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

I had an account with chase last year, they allowed me to cash XXXX  check for my wife and her cousin and I also deposited checks from selling XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX over XXXXXXXX XXXX ive tried talking to them the others have to they won't give my money back and closed my account.i went in the bank to the teller with the person every time.
Product: Mortgage

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX, IA XXXX To Whom It May Concern : My name is XXXX XXXX XXXX ; and I am submitting a complaint against Ditech Financial LLC, that holds the mortgage on my manufactured home. I began the purchase of my home in XX/XX/XXXX and made the first payment of {$170.00} in XXXX of the same year. Now, twenty years later, after having paid 237 of 240 payments, my loan is at maturation. One of those last three payments was deferred a few months ago. The other two, I have refused to pay, until I receive the fully itemized account of my payment history, including the amount of the loan ( {$17000.00} ), the fixed rate of interest of 9.5 % ( no idea as to how it has been compounded ) ) ; the amount that has been applied to the interest, and the amount that has been applied to the principal. I made three oral requests in XXXX, and then one by email ( sent XX/XX/XXXX ), as I was finally instructed. On that same day, I was sent a reply from Ditech that my request had been received, and a representative would be in contact with me. 

A representative did indeed call and simply started asking me questions for which the answers were in my written request. I told the representative that I wasn't answering any questions ; that everything was in the email. I then told the person to simply send me the information I had requested ; and then we would talk. This is XX/XX/XXXX, and I have yet to have that requested information sent to me. However, representatives from Ditech continue to call every day, sometimes twice a day. 

Since the date of my first payment, I have paid 237 payments at {$170.00} a payment, for a total of {$40000.00}. That is on a {$17000.00} loan. I would think that my debt would be satisfied ; but Ditech still has me owing {$3400.00}. ( Three home owner 's insurance premiums ( that's another story ) of {$84.00} each, are included in this amount. ) In conclusion, I am of the opinion that my debt has been more than satisfied. I can not know for a certainty, one way or the other, though, without the information I have repeatedly requested. Therefore, I submit this complaint to you in hopes that you will help me resolve this matter.
Product: Money transfer, virtual currency, or money service

Cash app closed my account for something I did not do. They will not provided proof to me On why they closed my account. They keep sending me emails not explaining anything. I appealed the process and answered all the question and they still wont tell me what type of gambling or lottery I did, because I didnt. I have proof of every transaction I have ever sent or received on what was done with it
Product: Credit card or prepaid card

On XX/XX/2021 I received an email from my credit card company that my card had been declined due to insufficient credit from a purchase attempt from XXXX XXXX. I immediately panicked because my card had no balance and I had not attempted to make any purchases. The purchase had been attempted at XXXX XXXX that morning. I immediately checked my credit account and had found that another previous transaction had cleared and posted on XX/XX/XXXX in the amount of {$1500.00}. As soon as possible I called my credit card Company XXXX and reported the fraud. They told me that the early morning transaction that was declined was in the amount of appx {$1400.00}. They took a report and filed a dispute. I contacted the XXXX store right after and via chat id XXXX searched for information on this purchase. The person I talked to was named XXXX. She told me she was unable to locate the transaction but directed me to a link to fill out a form for investigation. Today XXXX  said I was denied a refund of the money because there was no proof of fraud. 

As a direct and proximate result of XXXX XXXX failure to validate that this person was an authorized purchases, I was caused to suffer financial injury.
Product: Mortgage

I FILEED FOR MORTAGE MODIFICATION WITH XXXX IN XX/XX/XXXX. XXXX CONTINOUSLY DENIED MODIFICATION BASED ON MY NAME. AT FIRST THEY SAID I WITHDRAW APPLICATION WHICH WAS NOT TRUE. AFTER ALMOST A YEAR THE MODIFICATION WAS APPROVED IN XX/XX/XXXX. XXXX SOLD THE MORTAGE TO ANOTHER COMPANY CALLED NATIONSTAR WHO IS NOW SAYING THE MORTAGE IS BEHINED XXXX AS PER INFORMATION FROM XXXX. XXXX IS SAYING BECAUSE THEY DECIDED TO APPROVE MODIFICATION FROM INTIAL DATE. NATIONSTAR IS NOW SAYING THAT THEY WO N'T ACCEPT MY MORTAGE PAYMENTS BECAUSE OF THE XXXX ACCOUNT IS NOT CURRENT. I REALLY NEED HELP I JUST AM GETTTING BACK TO WORK AFTER HAVING XXXX AND THIS IS STRESSING ME OUT BECAUSE NOBODY CAN SEEM TO HELP.
Product: Credit card or prepaid card

I was using my credit card balance transfer offer from Bank of America. 
I typed in BoA checking account number, then it showed the XXXX creditor. 
I choose that then typed amounts {$6700.00}. It showed the debt my credit card after several days. But I dont know where the money went. Contact BoA several times since XX/XX/2023. BoA still not gives me the solution.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection agency reporting to my equifax report : XXXX XXXX XXXX  reported om XX/XX/2022 the amount of {$140.00} This is a fraudulent account reporting to my Equifax report
Product: Credit reporting, credit repair services, or other personal consumer reports

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

On XX/XX/XXXX I contacted the company regarding a debt which I paid that same day and was told I would receive a letter that the debt was paid in full and would be deleted off my credit once the payment posted. I contacted them again a week later and was told that I wouldnt receive it until XXXX after the payment process. On XX/XX/XXXX I called again regarding the letter and was told that it was sent but to the wrong email so they resent the letter that the account was settled and paid in full but not that it would be deleted. I sent XXXX emails regarding this deletion and was told that I needed to call so I called today XX/XX/XXXX and the representative was extremely rude and told me that it wouldnt be deleted off my credit because I did t pay the full amount and settled I explained to her that numerous reps before her including a supervisor each stated I would but she kept yelling at me until I asked for a supervisor
Product: Debt collection

Ive Done just about everything to remove this Fraudulent collection and its still showing up! Ive contacted the Original Creditor, Filed FTC & Also 2 CFPB reports/ Upload copys of Reports to XXXX  and it continues to update every month its been 2+ years since Ive been trying to get this resolved WITH XXXX Credit Collections and using further measures moving forward. This collection has been hindering my Credit building and is frustrating because nothing seems to get done after Im told to follow certain steps to get 0 results!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please find attached a screen shot of the response from First Security Bank regarding my complaint against them of inaccurate payment reporting. It is noteworthy that not only has FSB not provided an actual bank statement, and instead simply felt their word against mine is sufficient proof of their inaccurate reporting but also, they conveniently failed to include all of my payments leading up to the XXXX payment in question. 

Also find attached my bank statement of payments I have made since XX/XX/XXXX. As is obvious, I paid ahead {$500.00} on XX/XX/XXXX and I paid ahead another {$500.00} on XX/XX/XXXX. That's 20 months ahead. My monthly payments are {$50.00} per month and my payment is due every month on the XXXX of the month. 

Although I paid ahead, I still continued to make payments every month thereafter. I challenge FSB to provide an actual bank statement to prove their false claim. The statement I am providing is an actual statement generated by First Security Bank. 

I can assure FSB the next step will be to contact my Attorney and seek damages through civil court. 

FSB RESPONSE esponded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation XXXX 's Response Dear XXXX XXXX, In response to the late payment on your Overdraft Protection Line of Credit ending in XXXX, resulting in a 30 day late reporting on your credit bureau, the payment made on XX/XX/XXXX, was in fact over 30 days past the due date of XX/XX/XXXX. The following is a quick snapshot showing the recent due dates and payment dates for your Overdraft Protection Line of Credit : Due XX/XX/XXXX Paid XX/XX/XXXX Due XX/XX/XXXX Paid XX/XX/XXXX Due XX/XX/XXXX Paid XX/XX/XXXX You can see your payment due dates are not always on the XXXX of the month, as you stated in your XX/XX/XXXX and XX/XX/XXXX email correspondence with XXXX XXXX, the XXXX on your account. He explained that your payment made on XX/XX/XXXX satisfied the XXXX payment that was due XX/XX/XXXX. The next payment made was on XX/XX/XXXX, which satisfied the XXXX payment that was due XX/XX/XXXX. The payment made XX/XX/XXXX was due XX/XX/XXXX, which is just shy of being 30 days late. Unfortunately, we are not able to reverse the credit bureau reporting because the payment was in fact over 30 days past due. Should you need to discuss this further, please contact XXXX XXXX, our Loan Servicing Supervisor at XXXX or XXXX XXXX, our Chief Credit Officer at XXXX.
Product: Checking or savings account

Holding off with putting such information down here and really wanting to know about how effective it might be along this venue (. ) XX/XX/2020 To start something simply enough and whether this venue exists true, I will basicly say of complaint unto what major problem becomes handled. 
I have the Bank Of America not being really responsive or worthy. I have XXXX  cases which more than really abstract along big problems. 
The lawfirms are not willing to respond back at all (! ) XXXX XXXX
Product: Money transfer, virtual currency, or money service

I XXXX sent a check via the Chime XXXX XXXX on XX/XX/2024 to my sister XXXX for {$3500.00}. The funds were immediately withdrawn from my XXXX XXXX checking account on XX/XX/2024. XXXX received the check at her home address on XX/XX/2024. XXXX attempted to deposit the check into her checking account located at XXXX XXXX. She was given access to the funds immediately through her XXXX checking account through XXXX banking policy. After XXXX hours the check was returned to XXXX as a non cashable check. XXXX was then ask to return the funds to her account which was negative {$3500.00}. She returned the funds, and XXXX returned the check as fraudulent. The check was sent from XXXX XXXX XXXX in XXXX XXXX took the check to XXXX XXXX XXXXXXXX as directed by her XXXX XXXX representative. At XXXX XXXXXXXX XXXX they told XXXX that the check was fraudulent because the signature on the check that was provided by XXXX XXXX  XXXX in XXXX, is not a verified account holder, and the check is non cash able due to the signature being unverifiable. I XXXX, have made contact with my bank ( Chime, XXXX XXXX ), and the XXXX XXXX XXXX in XXXX the bank that the check was printed at, multiple times, with video documentation, of each business hanging up on me multiple times. My bank ( Chime, XXXX XXXX ) is showing the status of the check is Cashed, and claiming that they are unable to reversed the payment of the check. I XXXX, assumed the check would be coming from Chime, or the XXXX XXXX when I filled out the form to have the check sent through the mail to my sisters home address. There was no indication anywhere on the form that stated that Chime would be using a third party, which is XXXX XXXX XXXX, to send the funds through a check from an unknown account. At this point, the funds have been withdrawn from my Chime bank account on XX/XX/2024. My sister XXXX has not received the funds for the check to her XXXX account from XXXX XXXXXXXX XXXX where the check came from and the check was returned to XXXX. I am unable to contact anyone with XXXX XXXXXXXX XXXX because neither my sister XXXX, nor myself XXXX hold an account with XXXX XXXXXXXX XXXX. I am unable to get my {$3500.00} back that was withdrawn from my Chime, XXXX XXXX account. I also never authorized for them to give my information to XXXX XXXX XXXX to send the check out. This is the only way I can send checks through Chime, XXXX XXXX. There is no option to order physical checks for my account. When I have made contact with Chime between XXXX XXXX XXXX XXXXXX/XX/XXXX through XXXX XXXX XXXX XXXXXX/XX/XXXX, they have told me there is nothing they can do because the check has been cashed, and they hang up on me while holding for a XXXX to speak to me on the line.
Product: Credit card or prepaid card

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account BARCLAYS BANK DELAWARE is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
BRCLYSBANKDE ***** Opened Date XX/XX/2017 Balance {$0.00} // Charge Off
Product: Debt collection

After viewing a copy of my report, I noticed a collection account placed on my credit report from Allied nterstate LLC on XX/XX/2019 in the amount {$450.00}. First and foremost, I have confirmed that the debt collector, Allied Interstate LLC is not license in the state of Louisiana to collect on this debt. Secondly, Allied Interstate LLC violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to Allied Interstate LLC? I have never heard of them, have no written contract with them and have never received any benefits from them, yet Allied Interstate LLC has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, XXXX ) against my name and social security number and demanding payment from me in the amount of {$450.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I have yet to receive any investigation results
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/2024 UNAUTHORIZED
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : 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 XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I closed the card on XX/XX/year> and paid balance in full. They said everything was closed and completed. I then received another bill with no access to any records and excessive late fees and interest that continues to escalate. They do not speak XXXX  and have no information or authorization to close account and correct damage.
Product: Consumer Loan

On XXXX XXXX, 2016 my wife and I received an auto loan for a private party purchase of a vehicle. The seller went to the branch with us to sign the paperwork. After 3 weeks of not receiving a copy of the lien title needed for registration I contacted the bank. They said the lien had not been released by the previous owner 's bank. They had not communicated to me that there were any problems. I asked them to contact the bank that had the seller 's lien but the said they could not. I contacted the seller, she had the lien released on XXXX/XXXX/16. She went back to her bank and obtained the title and a letter releasing the lien. I took it to my local US bank branch the following day on XXXX/XXXX/16. I was told they had to " send it to the loan department for processing, it will take 10 business days at the most. '' I asked them to please expedite the process and they agreed to " try. '' After not receiving the title, not being contacted I emailed US bank yesterday XXXX/XXXX/16 and they replied today stating " Good Morning XXXX, I called our Loan Department for a status on this. A notification was sent to the branch needing the seller to sign a one in the same affidavit since she had a name change and the names are not recognized by the county. Once this is complete, it will be sent to the county after 10 business days. I apologize for any inconvenience. '' They should have recognized this when we bought the vehicle and more importantly they should have communicated the problems prior to today. My local branch has not contacted us or the seller either. Now we have to wait a minimum of another 10 business days before we can register the vehicle. We have already made our first payment on the loan but do not have the vehicle legally in our name.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX, XXXX Creditor Name : XXXX XXXX XXXXXXXX Dear CFPB, I am writing to formally file a complaint against XXXX XXXX XXXXXXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the XXXX pandemic, I applied for and was approved for a financial relief program provided by XXXX XXXX XXXXXXXX . Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX XXXX XXXXXXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA.

Request Therefore, I request that the CFPB investigate this matter and require XXXX XXXX XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX XXXX ......