23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 


1. POSSIBLE FINANCIAL Account Number : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 


Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 


PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit card

I applied for the Citi Anywhere Costco Credit Card and approved on XX/XX/XXXX. The credit card was stolen during delivery and I never received the credit card, nor did I activate the credit card. 
The person who stole my credit card used my card in multiple places on XX/XX/XXXX and XX/XX/XXXX for a total amount of {$440.00}. 
I received no alter from Citi until XX/XX/XXXX. A text message was sent to me asking if I was using the card in XXXXXXXX XXXX. I informed Citi immediately that I did not use the card and I disputed the transactions. 
Citi closed my fraud dispute without notifying me and did not provide any dispute credit. Right now I am responsible of paying the amount that I did not spend.
Product: Debt collection

I was told by my insurance company not to pay the bill. They requested information from the Dr office several times to process the claim and they never sent it. The Dr office said they was not going to send any other information to the insurance company. They sent me a copy of my records and told me I could send it. The insurance company does not accept information on the claim from the patient. I should not have to pay this bill since I had insurance and the Dr office failed to provide the requested information to process the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my consumer report with XXXX, Trans Union, and XXXX. I noticed several items that were incorrectly being reported on my consumer file.There were several inaccuricies with XXXXXXXX XXXX Acct # XXXX. ( See Attached copy of consumer Report ). Across al three credit agencies with XXXX, Trans Union, and XXXX. 

On date reported Trans Union XXXX XXXX XX/XX/2019 XX/XX/2019 XX/XX/2019 Date Last Active Trans Union XXXX XXXX XX/XX/2019 XX/XX/2019 XX/XX/2019 Date Last Payment Trans Union XXXX XXXX XX/XX/2019 XX/XX/2019 XX/XX/2019 Also, XXXXXXXX XXXX  violated my federal rights under FCRA 15 USC 6802. Obligations with respect to disclosure of personal information, Gramm-Leach-Bliley Act. There are certain requirements that are to be met, before a consumer personal information. Are to be disclosed the consumer under Norice Requirements must be meet. 

If the requiremens are not meet, the consumer rights are violated under FCRA `5 USC 6802. Under this section, of the law my rights have been violated by not following the Notice of Requirements by law. Therefore, I demand that this account be deleted under 15 USC 6802. 

( a ) Notice Requirements ; Except as otherwise provided in this subsection, ( a ) financial institution may not directly or through any affiliate disclose to a consumer non affiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

I the consumer has a right to privacy, 15 usc 1691. In the disclosure of my personal information. I did not give you written permission or instructions to disclosure of my personal information. 

You XXXXXXXX XXXX are in direct violation of 15 USC 6802, and 15 USC 1681b. Permissible purposes of consumer reports. In accordance with written instruction of the consumer to whom it relates, did I give you written instructions to furnish this on my consumer report, furthermore as it pertains to the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( 1 )..
Product: Credit reporting, credit repair services, or other personal consumer reports

Card was sent to address I no longer live at and carD was use to my beknowst now I have a judgement and I am not responsible for these charges at all I live at XXXX XXXX XXXX XXXX XXXX XXXX  card went to XXXXXXXX XXXX  someone got ahold of mail and used my card now I am responsible for these charges and now I lived in XXXX and my info has been sent to collections agency which I am not paying for this at all
Product: Money transfer, virtual currency, or money service

To be clear, this is a new and separate issue from my last PayPal complaint. Im trying to resolve a negative balance in my personal account of - {$500.00} using the {$4100.00} positive balance in my business account. Ive spent one hour on the phone with them trying to get this done. They say it cant be done because there is a hold on the {$4100.00} due to the negative {$500.00}! An absurd chicken and the egg problem with a very simple logical solution. After an hour on the phone their representative said that his supervisor says that they cant do it. I cant speak to the supervisor. And when I ask for any sort of clear reason or problem that is keeping them from resolving the negative balance and releasing whats remaining of the {$4100.00} the representative says he was given absolutely no reason. When I ask to speak to another supervisor and PayPal ( because his supervisor apparently refuses speak to me to give me a reason or solution ) he tells me that there are no other supervisors! At all of PayPal!!! This is pathetic. He just told me that all of PayPal collections is on a the same XXXX XXXX and cant call me back for 48 hours!
Product: Checking or savings account

I don't have specific dates but on multiple occasions i would have to call into the call center and speak with customer service followed by a supervisor who would " Help me out this 1 time '' as they would say never knowing that i was in default.
Product: Debt collection

I previously filed a complaint with the XXXX XXXX XXXX and with the federal trade commission regarding a collection that was over 30+ years old. The collection company removed the amount from all three bureaus and close this matter. Today I received an email and a phone message from XXXX XXXX from the collection agency Regarding how to answer the appeal today. I received a phone call from a person named Judge XXXX from XXXX  Of Illinois to hear my appeal and disclosed this matter I explained that this collection attempt was closed and she kept asking me if I was going to cancel the appeal or if I still wanted to do a hearing she stated she did not have any information that this account was closed I told this person Judge XXXX not sure if she is even a judge if there was no case there was no information that this was a close matter I contacted after my phone call ended XXXX XXXX to tell him to stop calling and harassing me over this 30 year old overpayment collection that was closed with the company.
Product: Checking or savings account

I attempted to open an account online for the XXXX XXXX XXXX XXXX  on XX/XX/XXXX. I spoke to a CSR and was told that I did not open the correct account even though I followed the Offer instructions but that the account could be corrected on XX/XX/XXXX. I called back on XX/XX/XXXX and was told by a CSR that I could not participate in the offer. I still want to participate.
Product: Mortgage

I have been trying to complete a short sale with BSI Financial who has now purchased my loan as servicer XXXX ( lender ), as outlined in the Relief from Stay they filed in my Bankruptcy case. My agent has been working with them and receiving emails directly from them in which they continue to change the terms of what they need to get an approval. First, they declined the offer we presented due to it being an investor buying my home and the value being too low. BSI sent an appraiser to look at the value of my home, and he went inside my home on XXXX XXXX, 2015, but never disclosed to me what the value is. My agent and her short sale team requested the valuation many times without any response from them. I believe they have to provide it per the XXXX valuation rules. The bank then cut the commission in a later email to make it harder to obtain a buyer. Then, they required the buyer be owner occupied and get cross qualified with their lender. They even provided exact XXXX comments that my agent used exactly as they requested. We complied with this and my agent held an open house and obtained an owner occupied buyer ( and getting the Owner Occupied Affidavit signed that they provided ) with a much higher offer, {$15000.00} above market price. The buyer did get cross qualified with their lender as they requested. We submitted the full offer with all documents, repair bids and comparable sales as they requested. They declined the file with no reason other than a XXXX line email " offer is too low ''. BSI Financial should provide me with the value they believe my house to be worth and/or counter offer the great buyer we have. Its a nice family who is spending time and money to wait for some response from the bank. My agent and short sale team emailed BSI on XXXX/XXXX/15 requesting correspondence within 3 days and to provide the valuation done on my home. We have yet to hear anything from BSI Financial. XXXX XXXX XXXX is the person who has been in touch with us. We have asked for his manager and left many messages with no response. In addition, my lawyer has already obtained the required approval from the bankruptcy court allowing the short sale, which cost me legal fees. I do not believe that they are doing anything to assist me preventing foreclosure on my home, in fact, they seem to be stalling and trying to deny me as they want to foreclose. They clearly do not want to work with me on this short sale, even though I have a physical and financial hardship.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}
Product: Credit card or prepaid card

Fidelity payment servers constantly crash, cause " service unavailable '' errors and why not? Fidelity make A LIVING OFF THE LATE FEES that they themselves cause. 

I was charged {$40.00} for a payment due on XX/XX/XXXX, as I was forced by Fidelity to make a payment on XX/XX/XXXX instead of the XX/XX/XXXX due date. 

The same thing happened on XX/XX/XXXX, Fidelity charged me {$40.00} for a payment due XX/XX/XXXX that was pushed out by Fidelity to XX/XX/XXXX. 

Fidelity must refund the {$80.00} ( {$40.00} + {$40.00} ) for illegally pushing payments past the due date.
Product: Credit card or prepaid card

An investigation was done falsely verifying the fraud on my discover card made several attempts to call and correct error. Have been discriminated against and hung up on and also being charged interest daily on fraud charges on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

There are multiple mistakes between the 3 credit bureau reports. 

Last payment dates are wrong Closed account dates are wrong The Collection Agency name is wrong XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The college I was attending abruptly closed and went out of business. The reason I was told they closed was because they were mishandling student loan monies from the students that were enrolled. They ended up filing for bankruptcy. I was enrolled in that college for 2 years and they kept every penny of the federal loans I applied for. I never had a chance to graduate or receive any type of diploma or certificate. I explained that I will not be responsible for a debt that I did n't mismanage. That was the school 's doing. They mishandl ed MY loan money so therefore I will not be repaying back money they fraudulently stole. I applied for loan forgivenes s because students from that school are/were eligible due to this whole situation. They denied me because they said I took an unexcused leave of absence which is not true. I also explained that if I were to receive the services with the outcome promised by them, I would have no problem paying the debt back but services were not rendered therefore my obligation to them is null and void. I have written and called these people on numerous occasions to remove this debt from my credit report. I have formally disputed the validity of this debt and they refuse to do anything. I want this debt erased from my credit report ASAP.
Product: Checking or savings account

Chase Business has the worst customer service. They continually hang up on you and all their calls are directed to XXXX. They are XXXX  and really really rude. I've had them hang up on me twice, put me on hold and not come back for XXXX minutes until I finally hung up. They always say that there system is slow. I '' ve made XXXX calls in the XXXX  days I've had the account. We have our accounts tied together business and personal and they get them mixed up when we call. 
The problem is that they keep putting my bill payments on hold. When I call back to confirm I have to go to XXXX or XXXX different departments and no one can give me the right number. I even emailed them and they gave me the wrong number to call. It's just awful. I wish I had stayed with XXXX XXXX. 
I've spent at least XXXX hours a day since I opened the account in the last XXXX days. 
No one can tell me why these simple payments keep getting held up. I hold XXXX mortgages with this XXXX XXXX XXXX. I set up an a monthly occurring bill. They called separately on each one without checking that they were all going to the same company with different account numbers. When they called they asked me what kind of information did I have to show that these needed to paid. This is XXXX, because XXXX mortgage was XXXX XXXX XXXX. The problem with this is that it takes XXXX minutes to verify XXXX simple payment.
Product: Debt collection

Midland Credit Management placed one collection account on my credit report without any prior written communication about this at all. It seems Midland Credit Management purchased this account ( XXXX ) from another creditor in the amount of {$620.00}. I request that you please verify the following... 1. Full original account number. 2. Date original account was opened. 3. Any written agreements between myself and the original creditor stating that this debt is owed. 4. Full account summary on how the charges added up to {$620.00}. 5. Date of first delinquency. If Midland Credit Management is unable to provide the above identifying account information, this information must be deleted from all CRAs. Midland Credit Management also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed XXXX time frame that is allowed by federal law.
Product: Checking or savings account

On XX/XX/XXXX my Chime account was closed. Chime informed me that I will be receiving a closure check for the remaining funds in my account. I moved to a new apartment and contacted Chime to provide my new address. Chime requested that I upload documentation showing my new address. I uploaded the documentation they requested, and they informed me that my check will be mailed to my new address and will be shipped priority mail with tracking information. 

Nearly XXXX months later, I still do not have my money. I have contacted Chime XXXX  times via phone and email. I was told my check was printed on XX/XX/XXXX, but no further information could be given. I was told that they do not have any tracking information. I contacted Chime again and was told that I had to wait another XXXX business days before they could reissue my check. It has been more than XXXX business days, and I requested a new check be mailed to me again. No response. 

At this point I'm convinced that Chime has no interest in returning MY money and is robbing me. I understand that action was recently taken against Chime for this very thing, intentionally delaying refunds and closure checks. I have not been able to pay rent or my general bills due to this. 

Chime needs to be held accountable for withholding customers money. I want my check NOW!!!
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE ANY OF THESE HARD INQUIRIES OR ACCOUNTS : HARD INQUIRIES CERTIFIED CREDIT REPOR XXXX XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXXXXXX {$670.00} XXXX XXXX {$2100.00} XXXX XXXX XXXXXXXX {$2300.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXXXXXX XXXX {$3000.00} XXXX XXXXXXXX XXXX {$320.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}
Product: Checking or savings account

On XX/XX/year> I was at work and decided to use the ATM before I clocked out so I wont forget. I tried to withdraw {$400.00}, while waiting for transaction to complete I decided to fix the drinks next to the ATM Im at work. The money came out before I grabbed it and it got redacted and I was told to reach out to my financial institution. Reach out to chime we i tell them what happen we do a dispute, and for my documentation I was going to send in the video footage of me not grabbing the money, but they only accept pictures. Yesterday they denied my dispute, I called them to see why and what steps and documentation did they take to come up with this resolution and they couldnt tell me anything. They reopened the dispute. I was told that Im eligible for the {$400.00} credit each time that I opened the dispute Im not understanding why they wont give it to me expeditiously. Not only that why the dispute got denied in the first place. You cant just take my money because I didnt grab it quick enough and claim it as yours!!! Luckily I had enough money and transferred it from my credit builder to my checking at XXXX XXXX  technically I withdrew {$800.00} but only received {$400.00}. My account was then overdrawn and was sitting at $ XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint againt 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 insignificant inconvenience qnd financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under XXXX5 USC 1681.

Equifax is govern by 15 USC 1681. Ad they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX # XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX / XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX
Product: Credit reporting or other personal consumer reports

Today as I logged in to XXXX XXXX and under the F.I.C.O. Score a fraudulent account has been entered onto my XXXX Card stating that a Payment was missed for the amount of {$410.00}, but does NOT show any " Business Name '' or " Dates '' and claims it's been owed for " 4 years ''. This is an intentional disruption of my once 832 F.I.C.O. score, Trans Union website " Block any and all attempts to log on ''. Banks are inputting " Fraudulent Directory information for the sake of causing financial hardship, then blocking access to Dispute the Fraudulent Information
Product: Checking or savings account

Greetings Im a previous account holder at Chime. I had a checking account with about {$40.00} & a savings account with about {$2300.00} that was closed once I tried receiving government issued funds. 

Intitally when the accounts closed on XX/XX/2021 I was told that I would be receiving a check for the remaining amount of money in the next 90 days but never received it. However on XX/XX/2021 I received an email saying if theres any balance due a check will be mailed to the address on file. 
As I waited to receive the missing funds on XX/XX/2021 I received another email saying Upon carefully checking your account, I can see the check has still not been sent out. I wanted to let you know that I've escalated this issue and our team is making progress on your request, and we just need a bit more time.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX DOB XX/XX/XXXX REMOVE XXXX XXXX FROM MY REPORT. 
I DO NOT HAVE CREDIT WITH THEM I NERVER APPLIED FOR CREDIT WITH THESE PEOPLE. YOU GAVE THEM ACCES TO MY CREDIT REPORT WITH MY PERMISSION DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID