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

On XX/XX/XXXX I bought a home at XXXX XXXX XXXX XXXX XXXX  was left over from the loan The lawyer company and a loan company decided to pay off my credit debts One of my credit debts was money lion. The checks were sent out on the XXXX they were received and paid on the XXXX of XXXX. I called the bank on the XXXX of XXXX where I was told that the check was being held for 10 to 14 days because it haven't received the funds, again called on the XXXX where I was told the money was not received. So I took it upon myself to call XXXX XXXX  in XXXX NC. Who told me I needed to speak with XXXXXXXX XXXX XXXX people that sent the check. So I proceeded to call XXXX XXXX XXXX  who upon telling me that the checks cleared and the money was allocated and sent out on XX/XX/XXXX. XXXX minutes before I talk to the XXXX XXXX XXXX I asked a supervisor at money lion why the money still was being held and not put into my XXXX XXXX XXXX loan to show that it was paid off I was told they had 10 to 14 days to make it show. My gas has been cut off I'm out of food and that money is the last of the money I have.
Product: Credit reporting

I apply for annualfreecredit report, your website said i received my credit report that not true? if could you provide me with the date and what address you sent it to? I have n't receive a credit report this year nor have i submitted a application for until today. XXXX XXXX, 2016 Friday
Product: Checking or savings account

We deposited a check 42 days ago now the funds are still on hold due to a missing endorsement we have called and tried to get answers everyday and we only get the run around 42 days seems really excessive especially when they can not tell us what step of the process they are in or what their next action will be
Product: Checking or savings account

In XX/XX/XXXX I found my XXXX XXXX XXXX Account in the glove box of my truck I traded in and in the book stated that I had {$830.00} in the account as of XX/XX/XXXX. I went to Santander Bank who merged with XXXX XXXX and talked with the customer service rep. who did a check of the system and could not find any information in their computers of the account using my name, date of birth, social security number or the account number. several months passed and I went back to Santander Bank who stated that they only keep records for 7 years and that they had no record of the account and that I should have received a letter advising of the merger and to come and get my money. I never received any letter from the bank and I was also advised to check with the state at Unclaimed money for Pa. in which I checked twice all with negative results. My state Rep did also check with no luck. In XX/XX/XXXX a man from the bank named XXXX XXXX XXXX stated that they sent me a check in the amound pof {$830.00} on XX/XX/XXXX in which I never received. I requested from the bank several times a copy of the check with my signature on the check cashing the check in which the bank states they do n't have. 
.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I do not owe any debt to this company and do not believe they are legitimately trying to collect
Product: Debt collection

Navy federal has damaged my Credit with late payments on all the credit reporting agencies to scare me into paying a debt I do not owe. I sent XXXX XXXX XXXX DBA navy federal my rescission back in XXXX of 2021 rescinded my signature from the contract and navy federal continues their deceptive business practices to collect a debt not owed. Pursuant to 12 cfr 226.15 I have a right to rescind any contract but I was never informed I had this right so I enforced it as soon as I read the law. Navy Federal never loaned me anything of value 12 usc 1431 says that banks are the borrowers. I the consumer extended navy federal credit and they are coercing me to re-pay an extension of credit by jeopardizing my consumer credit reputation with other financial institutions is text book extortion. I also sent navy federal ( XXXX XXXX XXXX ) a cease and desist and navy federal has yet to comply with my demands in the cease and desist. This is a criminal violation of 15 usc 1611for willful and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. This is extortion and I want get my remedy immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mines these accounts are due to identity theft and has not only affected my credit file but mentally drained me. I've also been victim of the Equifax data breach. I'm demanding that the following accounts be removed from my credit file immediately. Please remove the following. 

1 ) XXXX XXXX 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX {$550.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter on XX/XX/2021, as of today it's 53 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. XXXX XXXX  XXXX : Account number : XXXX FDCPA section 807 Violation misleading false reporting. Please delete. 

2.XXXX : Account number : XXXX Please remove this account from my credit report. This account is reporting inaccurately. 

3. XXXX XXXX  : Account number : XXXX I dont recall being late. Please update to 100 % paid as agreed. 

4. XXXX XXXX XXXX : Account number : XXXX Please remove this account from my credit report. This account is reporting inaccurately. 

5. XXXX XXXX : Account number : XXXX The balance appears wrong. Please delete at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning XX/XX/XXXX I have sent numerous of letters and documentation to prove fraud with the reporting company. I have contacted the companies who the alleged fraud first occurred with and all could not provide any information where any credit applications where applied for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 2 accounts with Affirm. They both were closed and sent to collections in XXXX. In XXXX of XXXX I paid both accounts to XXXX  and they were no longer in collections. However, affirm never updated my credit reports to reflect the balance to be XXXX Now, 6 months after I filed the dispute, they have now reported my XXXX report to be in collections as of XX/XX/XXXX. I called them several times and explained that I am showing in collections when I am not and now my credit is reporting even more inaccurate than before. They were very condescending and would not assist me. My account should not reflect in collection on my credit report as it not in collections. This is inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

They pulled my credit report without my Authorization.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX  # XXXX XX/XX/year> -- {$710.00} XXXX  # XXXX XX/XX/year> -- {$750.00} XXXX  # XXXX XX/XX/year> -- {$990.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I contacted all 3 credit reporting agencies in writing, via USPS Certified Mail, and informed them that I have recently become aware that I have been a victim of IDENTITY THEFT and provided them with a copy of my Police Report, Identity Theft Affidavit, driver 's license and a recent utility bill and requested that they comply with the FCRA Section 605B, by blocking the information that I have detailed to them that was fraudulent on my credit file. To date, neither of the 3 credit reporting agencies have taken my situation seriously and have treated it as a routine dispute.

FCRA Section 605B states : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4
business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

According to USPS Certified Mail Tracking Information, XXXX   received their package containing all of the above required information on XX/XX/2020 ; Equifax received theirs on XX/XX/2020 ; and XXXX  received theirs on XX/XX/2020. Each one of the Credit Bureaus are in receipt of the required information, yet they have not acted in accordance with FCRA Section 605B. The bureaus are treating my Identity Theft as a routine account dispute and have not blocked the fraudulent information within the 4 days, as required by FCRA Section 605B.
Product: Credit card

Review credit reports and found a discrepancy of a store credit never applied for never used by me identity theft. Previously file identity theft reports as well as supporting documents from local agencies. This conns credit was never used or ever been applied for by the complaintant. This credit account is demanded to remove.

Account Number on credit file XXXX
Product: Debt collection

A place called Windham Professionals keeps calling my number, and asking for someone who apparently has had my number in the past. They are leaving some very bile messages and I have repeatedly told them, the person they are looking for no longer has this number. Their number is XXXX.
Product: Checking or savings account

I do not owe this balance from TD or any collection agency of {$190.00}
Product: Credit card

My interest rate on my Discover Card was dramically increased for no apparent reason.This is terriable customer service and should NOT be allowed.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX, live in XXXX XXXX  phone no. XXXX, on XX/XX/XXXX someone compromise my account on Binance.us and my email address and withdrew XXXX XXXX of my wallet to his or her wallet. i realize that later that day and contacted BINANCE.US to help me get my money back, they disabled my account for few days, asked my to record video of myself holding my id twice, and said after the investigation is done will enable your wallet again, about week after they reactivate my account but didn't help me to cancel those two withdrawal transactions for ( XXXX + XXXX ) XXXX my account was under my email : XXXX, changed to : XXXX, and changed the password as well to secure my account
Product: Credit reporting or other personal consumer reports

I am currently a victim of identity theft, my identity was stolen and used against my right at this time I am not aware of who's responsible for such fraudulent activities. I don't use my social at all unless necessary. I have one XXXX account listed in my name that's my credit card. My report has good payment history until someone access it by adding accounts, inquires and addresses that doesn't belongs to me.
Product: Debt collection

I am writing to formally request an investigation regarding a medical collection being reported on my credit report by United Revenue. According to the Consumer Financial Protection Bureau ( CFPB ) guidelines, XXXX XXXX should no longer appear on credit reports as of XX/XX/scrub>XXXX XXXX 

Despite this directive, the account remains on my report, and it has negatively impacted my financial well-being. I have been denied several financial products solely due to the presence of this medical collection. 

I kindly request that the CFPB take immediate action to ensure compliance with the new regulations. Please investigate this matter and compel United Revenue and the credit reporting agencies to promptly remove this account from my credit report. 

Thank you for your attention to this matter. I trust that the CFPB will work to resolve this issue fairly and expediently.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 and 60 days late in XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit card or prepaid card

I have a Chase Visa, Account # XXXX XXXX XXXX XXXX. About 3 weeks ago, I went online to order an urgently needed item, XXXX XXXX bags. I found some on XXXX XXXX and ordered from them. I have never bought anything from XXXX XXXX before. I do not have an account with them. 

I saw on my screen that they took my credit card and charged my account. However, I never received the email with a receipt of purchase. Nor did I receive an email telling me the item was shipped. 

I contacted Chase twice via fax. Each time I asked them to clarify and provide me with the merchant contact info and to " freeze '' the charge while I was contesting it. 

I have gotten an endless stream of phone calls, nights, day, and on weekends, which I find to be extremely rude ( they call you Sunday morning and Sunday night ) rather than a letter telling me they are removing the charge and providing me with the merchant 's contact info. 

Please assist me in resolving this. 

The merchandise may or may not have shipped. It may have been lost or stolen. I do n't know and want to find out.
Product: Credit card or prepaid card

Previous complaint was unresolved. Account is listed as current, but I am unable to manage online. Payments are going through their collection office even though account is not in collection. Then they raised the interest rate without my knowledge from 12-13 % to 30 %. Calls, chats and emails are like chasing a cat. Collection office ( while not in collections ) says talk to customer then customer service WILL NOT HELP or answer the questions. TOTALLY BEING STONEWALLED. I want out of all business with HSBC and they will not entertain an offer to settle the account either. Saying that I have to be delinquent. Its an absolute JOKE. VERY FRUSTRATED
Product: Vehicle loan or lease

This is our second complaint now against GM Financial. After they tricked us into repossessing it, they now won't let us make payments on it. We've been calling all summer trying to get something worked out so that we can continue making our scheduled payments. Every person we talk to says we have make payments by phone, but the phone payment system says we're not eligible. Every option they have said is available to us, they find a way to block it. We mailed a payment in, they said they never received it even though tracking shows delivered at their address. When we try to get something finalized with them on the phones because the phone option doesn't work, we get placed on hold for XXXX hours and/or they " accidently '' drop our calls. We get talked to like trash by everyone we talked to. All we want to do is make our payments and they're not letting us.
Product: Checking or savings account

On XX/XX/2022 three unauthorized transactions were made online using my debit card account. 
Those transactions were made on XXXX XXXX Transaction # 1 - {$120.00} Transaction # 2 - {$63.00} Transaction # 3 - {$25.00} I didnt get any notification from Chase letting me know about these transactions. 
I got just one text message for a transaction # 4 - {$63.00} I declined this transaction, and I called the Chase Customer Service to dispute these charges. 
The opened a Dispute Case to resolve this issue. I cancelled my debit card and Chase sent me a new card. 
Also, I got an email from Chase letting me know that XXXX XXXX was added into my wallet. I declined this action because I dont have XXXX XXXX. 
I informed Chase about this fraud as well. 
On XX/XX/2022, Chase got reversed these money from my account and took {$210.00} I called Chase Dispute Service and I asked why this money was reversed from my account and they said that they couldnt prove these transactions were fraudulent. I explained that I didnt make these transactions. 
They said that I need to prove ithow I can prove something like that? 
I just got ONE text message notification and one email, nothing else.

I went to Chase and talked to the manager. He was very helpful and called Dispute Service Team. He got the same answers, that I need to prove I didnt make these transactions. 
Chase dont want to collaborate with me. They took {$210.00} out of my account, and I didnt make these transactions. 
Also, I called the Compliance number, and I got the same answer. They say I need to fax documents that proves I didnt make those transactions, when I asked what documents they said we dont know. 
I am very frustrated!!!
Product: Credit reporting

I was checking my credit report to make sure that another issue had been resolved and saw this debt had been put back on my report. I had this judgment resolved and then expunged from my record. I will attach a copy of the expungement record.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States, if executed outside of United states ) that the foregoing is true and correct to the best of my knowledge. Further i certify that i am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 USC 1621. 
This collection found within my credit report are not related to any transaction that i made. i am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has refused to comply with the consumer reporting and consumer protection laws. Equifax is reporting an account on my report that has not been officially investigated and verified. XXXX and XXXX has investigated this item and concluded that the item did not belong on my credit file. I've contacted multiple agencies and departments and according to them, they have no contact with Equifax and does not provide information to them. 

How is it that a company who had a data branch and compromised 140 million files can be so negligent and not investigate an item and provide their method of verification. 

How is it that 2 other companies who use the same method of verification file the item to be inaccurate and deleted the account can be wrong, but Equifax can be correct.

PLEASE BE ADVISED I HAVE CONTACTED FEDERAL, STATE COURT CLERKS EACH CLERK HAS AFFIRMED THE FOLLOWING : THE COUNTY CLERK AND COURT DO NOT FURNISH INFORMATION TO CREDIT BUREAUS BY MAIL, ELECTRONICALLY OR BY ANY MEANS THE COUNTY CLERK AND COURT DO NOT VERIFY OR VALIDATE INFORMATION WITH THIRD PARTIES INCLUDING BUT NOT LIMITED TO CREDIT BUREAUS AND ANY OTHER THIRD PARTY BY MAIL, ELECTRONICALLY OR BY ANY OTHER MEANS.

THE COUNTY CLERK AND COURT ARE NOT TO BE HELD LIABLE FOR INACCURATE REPORTING, YOU THE CREDIT BUREAUS ARE LIABLE AND I DEMAND YOUR TRUE SOURCE OF THESE ACCOUNT AND DEMAND THAT THE INACCURATE, UNVERIFIABLE ACCOUNTS BE DELETED IMMEDIATELY. 

XXXX VERIFICATION MANDATES METRO 2 COMPLIANCE OF ALL DATA REPORTED OR ELSE CLAIM MANDATES DELETED SO DEMONSTRATE VERIFIABLE PHYSICAL PROOF OF VALID CERTIFICATE FOF FACTS TO EVERY ASPECT OF CLAIM, ALL NOTATIONS, DATES, BALANCES, XXXX, CREDITOR CALL, ETC.
Product: Credit card

Synchrony lower my credit limit from {$2900.00} to {$1800.00} which is {$54.00} above my current balance. I have not been late with payments to Synchrony on this account or other accounts that I have with Synchrony. 

I have two ( 2 ) issues with this, one the random lowering of the credit limit, and two the effect that lowering the credit limit has on my credit used to credit limit debt ratio.
Product: Checking or savings account

This is the 2nd time BMO is stealing from my account. 

2nd example : BMO charging a {$25.00} fee what is to be waived. 
Per BMO : we charge this fee on the last day of the statement period if you do not meet ANY ONE of the waiver requirements listed below : A. The minimum daily XXXX XXXX in this Account is {$10000.00} or more for the previous calendar month. 

Account balance exceeded {$10000.00} since XX/XX/XXXX, yet still charged a SERVICE CHARGE- {$25.00} on XX/XX/XXXX. Prior to XX/XX/XXXX was within the 90-day account setup timeframe where no fees are charged. 

1st example : BMO failed to honor deposit the {$500.00} new account bonus that was earned within 90 days of account setup. Please see XXXX. 

Please have BMO credit the missing {$520.00}. 

This pattern of dishonest behavior is very concerning.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  has violated my rights 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