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

On the XXXX of XX/XX/2023, I decided to move all my money of the sum of {$6600.00} from my checking account with XXXX XXXX XXXX  ( which I opened while I was in XXXX  school at Tennessee ) by initiating a ACH transfer to my Chime account to settle some emergency family needs. I initiated the transfer by connecting my XXXX XXXX XXXX  checking account with my Chime account via the Chime app and I received a notification email acknowledging transfer initiated. Surprisingly, the following day XXXX of XX/XX/2023 I received an email of Account Closure Notification : Following a recent review of your Chime Checking Account, we have made the decision to close your account with Chime. Your account failed to comply with the terms of your Deposit Account Agreement, and we will close your account as a result. Your checking account will be closed on XX/XX/2023. Since then the ordeal began. I have made countless of calls to the support and directed to send emails to their review and support teams which I did numerous times. Oftentimes when I ask which part of the Deposit account agreement did I break, I get the generic response " For security reasons, Chime is unable to share more information about the account closure. We're also unable to review whether your account can be re-enabled or refunded until we receive valid documents verifying the deposits ''. 
I provided all the items they requested for verification listed below : photos of front and back of my driver 's license, photo of my social security card, Utility bill for proof of address, bank statement from the XXXX XXXX XXXX  showing the transaction of transfer to Chime a proof I own the account, my workplace ( XXXX ) badge, written explanation about the origin of the deposit ( XXXX ) to verify that I am the intended recipient. After numerous calls with Chime customer support and getting response from a different agent of Chime member protection team almost every single time based on e-mail signature and many times being asked for the items I already provided, I still could not resolve the issue. On XXXX of XX/XX/2023 after XXXX months of back and forth communication, I got an email saying : " XXXX XXXX, Thank you for reaching out. I apologize for the inconvenience of this situation.

After a recent review of your account, weve found that it does not comply with the terms of the Deposit Account Agreement. Your account has been closed by Chime and is not eligible for a refund. For more information, please review the Amendment and Cancellation section of the Chime Deposit Account Agreement.

Please let us know if we can assist you further or give us a call at XXXX '' At this point, I want to believe Chime is fraudulent because I don't know how they will close my account and at the same time seize my legitimate money in it. If they say they can not verify the source, I think the right thing to do is to return the money to XXXX XXXX XXXX  where the money was transferred from.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft. I have field a police report and FTC report according to the FCRA and submitted these documents to the credit agencies. They are not being processed correctly and I am not getting copies of the verification process These accounts are : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> XXXX different transactions were made to XXXX in the amount of {$100.00} each. I notified Cashapp that I did not make these transactions and they claimed they investigated it and found either I or someone I know did it and denied my dispute. After research and finding the merchant and giving them my name and last XXXX numbers of my cashapp card that was used they emailed me a few times saying my name and card number was not found in their system. I let cashapp know and they still come back and say I did the transactions. I asked them if the merchant cant find my {$200.00} in transactions where did my money go and they have no answer other than saying they can assure that these transactions were made by me even though I have written proof from the merchant saying my info isnt in their system. I have tried to dispute both transactions numerous times with the same response from cashapp with a denial telling me to reach out to the merchant, which I have many times, and they still cant find my information in their system. I have also filed a complaint with the XXXX XXXX XXXX. Almost 2 months later and I still dont have my {$200.00} returned to me that was stolen or used by someone other than myself
Product: Mortgage

My husband died in XXXX I was left with too many bills for me to handle alone. I filed bankruptcy in XXXX chapter 13 And because our home was only in my husbands name XXXX gave me a really hard time and was attempting to foreclose on my home. After completing the bankruptcy in XXXX and finally getting a modification my loan was placed with Fay servicing for payment. 
Since then Ive worked on my credit and raised my score considerably, however Fay servicing has refused over and over again to report my on time payments for the past 5 yrs In the beginning they said they thought I filed a chapter 7, so I sent in a copy of my filing to prove it was a ch 13. Then they said because I filed a chapter 7 in XXXX Before my name was on the Morgage and my husband and I were separated and living apart They determined that they would not report to the 3 credit bureaus. 
However 2 months ago because I sent them proof my name was not on the Morgage until XXXX and I filed a Ch13 in XXXX they told me they would begin reporting and they were sorry about the era. 
Now we are back to square 1 again~ Please help me ~ Ive talked to an attorney and was informed what they are doing is not ethical at allXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit card or prepaid card

Last year we after clicking on an ad about a work from home opportunity we didnt realize that we were being sucked into an online business scam costing us now over {$16000.00}. It started with a simple {$97.00} fee claiming that we would begin making money immediately. That has not been the case, we have been strung along charged more and more money all for nothing. These companies should not be allowed to take credit cards and we want these charges immediately disputed and returned to us. They have not performed and deceptively took our payments under false and misleading pretenses. While American Express says we only have 60 days to raise a claim we have found information online that says otherwise. We would like to see the following charges refunded. Thank you. 

XX/XX/XXXX {$6400.00} by XXXX, XXXX XX/XX/XXXX {$6500.00} by XXXX XXXX  {$20.00} recurring monthly XX/XX/XXXX {$2500.00} by XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus have significantly lowered my score, raised the score and then lowered my score again with 30 days. There is nothing anyone can do in that time period that would reduce an individual 's score that significantly. I have paid all bills on time for more than XXXX XXXX I have a mix of XXXX and my history is as it should be. 

The bureaus response is to send me a credit report in the mail. I know what my is on my credit report. I need all three bureaus to raise my score!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX Account # 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
Product: Money transfer, virtual currency, or money service

XXXX My XXXX was hacked and the hackers sent XXXX dollars to a friend, and then aggressively asked her to return it, saying it was a mistake. She realized it was not me, based on the time of day, grammar, and writing style. So she called the police to do a wellness check at my house. 

I discovered my sim card had been transferred to a phone in another country and ALL of my credit card, bank accounts, and XXXXXXXX XXXX had fraud. I immediately called XXXX to cancel the transaction, and it was placed on hold and my XXXX account was overdrawn for XXXX. All of my personal information was released on the XXXX XXXX, through XXXX XXXX lack of security. 

I made over XXXX attempts to resolve this with XXXX including providing bank statements via email, XXXX way calls with the other party involved, and several disputes, as the money was never received by the other party. Case XXXX XXXX was my final attempt. A screen shot was sent to XXXX  of the other parties account with no XXXX transactions for the dates of the said deposit. 

My final call was today, I am reporting them for : XXXX. Leaking my information on the dark webs which caused identity theft and fraud on EVERY account I have, and giving hackers access to my back account. 
XXXX. For transferring money that was in a dispute, and then withholding the XXXX from myself and the other party.
Product: Mortgage

I have submitted a previous claim on this issue and the lender, Wells Fargo contacted me and strung me along just long enough for the claim to expire..I believe they are frauduantly trying to take my house by saying they are going to do a loan modification and at the same time as initiating foreclosure proceedings which is commonly known as dual tracking..I have submitted all the paperwork as required by law and they keep delaying by saying they did n't receive them or they have to review them which never leads anywhere.They also told me not to make my payment until the modifiation was completed and I feel that is only to get farther behind and they are delaying me hoping to have the property awarded back to them through foreclosure..
Product: Payday loan

Our car had a problem with the brakes, and we did n't have the money to afford the payment in cash, and our credit card did not have enough credit limit to make the payment. The person in the place ( XXXX XXXX XXXX XXXX ) offered to contact a lender and immediately we got approved Follow the approval announcement, the guy asked me my phone number, and I did receive the notification of the approval, and I gave out my bank account information to set up the monthly payments, which we did understand. We thought that the interest rate could n't be higher than 30 % or so. I did ask the guy if they will send the contract detail by mail, and he said that I should be receiving it in two or three days that never happened. Today, since they did not email any statements or detail contract, and we wanted to pay off I contact them, and I was very frustrate and surprise when they informed me that the amount was almost the same after we make several payments that in theory should cover the full amount plus the interest rate of 30 %. We never get the figure of " get money today and pay tomorrow ''. The terms and conditions were not clear, and we did not get notify in any way. They mentioned today that they sent an email with the contract, but we never got it, and they did not mail any monthly statements or even emails with the information of the payments. Just right now we knew that we have to pay 189.00 % in interest rate, when we expected to pay off the full amount.
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. 

Account Name : XXXX XXXX XXXXXXXX # XXXX - Date Opened XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not fix error on my consumer credit report. XXXX  XXXX XXXX XXXX still appears on my Equifax report even though I identify multiple violations of FCRA rules Including ; reporting negative remarks in payment history after account has been closed or charged off. A violation of fcra rules, even though identified to Equifax that last date of payment was in XXXX of 2012. Equifax currently reports no date of last payment, a violation of FCRA rules section XXXX.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX did not authorize the following companies below to pull my credit. Each company is in violation of my rights as a consumer and I have tried to get these taking care of months ago with no headway -XXXX XXXX XXXX  XXXX -RESIDENT VERIFY XXXX I am in the process of renting a building and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 604,611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report.
Product: Student loan

Loans serviced by Navient. I was forced into forbearance and then defaulting in order to qualify for income based repayment. I was given no other option but to default when i could n't make payments on time. This destroyed my credit and is highly illegal when there were other options available yet were withheld from me.
Product: Credit reporting or other personal consumer reports

This agency is in violation of 15 USC 1692g section 3. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX XXXX XXXX XXXX XXXX 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 am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of XXXX XXXX. XXXX ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX  - XXXX XXXX  - XXXX XXXX  XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

i went to XXXX XXXX to get my car repaired, XXXX XXXX failed to put a new radiator in my vehicle, they put in a old radiator and my car was not working, i had to go to XXXX XXXX to get car repaired, please see attachment, XXXX took out the radiator that XXXX XXXX  put into my car, the radiator that they put in my vehicle is non repairable, it was used Unfair and Deceptive Acts and Practices Statutes ( Laws ) XXXX XXXX did what we call a deceptive acts and practices ( sometimes referred to as UDAP ).. 

These laws address a wide variety of practices, including things like : XXXX XXXX failed to fix my issue and i had to take to a different shop to have repaired, they charged me XXXX and i want to be refunded for my funds immediately. 

i did not have all the monies at one time so i took out a loan from XXXX, and they refuse to close out this contract after showing them that my car was repaired at a different shop and running just great now XXXX is notorious for lying to their customers in order to gain extra work for things that don't really need doing Sadly, this lead to me spending lots of money that i did not have. 

Breach - The mechanic breached duty of care with defective repair work Radiator was defective out the door, but he stated it was brand new XXXX XXXX XXXX have discovered that XXXX charged me for parts and services they did not provide. I have the defective radiator in my presence at this time. XXXX XXXX XXXX stated they will stand behind me.
Product: Vehicle loan or lease

THIS LOAN IS TAIND and 3rd party fraudulent activities and now must be deleted from XXXX XXXX AND XXXX ALREADY BLOCKED TRADELINE.
Product: Credit reporting or other personal consumer reports

Ive been in communications with ( XXXX, XXXX or Experian ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( XXXX, XXXX or Experian ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX TEXAS XXXX XXXX XXXX XXXX, XXXX, GEORGIA XXXX My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX My only date of birth is XX/XX/XXXX My only employer is XXXX XXXX XXXX You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank You XXXX XXXX
Product: Debt collection

Collections Agencies continues calling my work, after I requested not to call my work. The debt is not mine. They have yet to send written proof.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Easy acceptance a critical issue concerning my recent experience with the auto loan and gap insurance coverage arranged through your dealership. 

, I purchased a vehicle from establishment and, as part of the financing arrangement, opted for gap insurance coverage. Subsequently, I encountered an unfortunate total loss incident with the vehicle. At this juncture, the role of the gap insurance policy came into play to bridge the financial gap between the outstanding auto loan balance and the actual value of the vehicle. 

I dutifully adhered to all prescribed procedures and document submissions with timeliness, culminating in the successful resolution of the auto loan through the utilization of the gap insurance coverage. I received official confirmation that the auto loan had been entirely satisfied, and it was considered closed. At that juncture, I reasonably believed that my financial obligations to your dealership had been comprehensively fulfilled. 

Regrettably, I have subsequently received communications indicating an outstanding debt amounting to several XXXX dollars purportedly owed to your dealership. This development has had a significantly adverse impact on my credit score, which is deeply disconcerting. My commitment to abiding by the stipulated terms and conditions of our agreement remains unwavering. 

I earnestly request a thorough review of your internal records with the aim of rectifying this matter forthwith. It is of paramount importance that my credit standing is not unjustifiably tarnished due to erroneous reporting by the dealership. I have attached documentary evidence, encompassing proof of my existing gap insurance coverage and comprehensive confirmation records pertaining to the loan settlement, for your reference. 

I anticipate a swift response and resolution to this issue, given its significant implications. I extend my appreciation for your prompt attention to this matter. It is crucial to acknowledge that, should this matter persist unresolved, I may be left with no alternative but to contemplate legal recourse to safeguard my rights and financial stability.