23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Account Name : XXXX  Account # XXXX, Account Name : XXXX  Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX XXXX XXXX Account # : XXXX, Account Name : XXXX XXXX Account XXXX : XXXX, Account Name : XXXX XXXX XXXX Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX XXXX XXXX Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX XXXX Account # : XXXX, Account Name : Acct 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
Product: Credit reporting, credit repair services, or other personal consumer reports

2hardinquiry'sforthesameloanfromthesamecompanywithin1month--Experianisimpossibletocontact-noemailcorrespondenceandno(real)phonecustomerservicealsonodisputemechanismontherewebsiteforhardinquiry'sIhave2hardinquiry'sfrom;XXXXXXXXXXXX,aboutthesameloanonmycreditreportbothwithina31dayperiod---only1hardinquirywasauthorizedalsoExperianstatesonitswebsite"thatany2ormoreinquiry'sfromthesamecompanywithin45dayswillautomaticallybecombinedintoone"thisisExperian'scompanypolicyfromtheirwebsitetheydidnotdothisyoucannotcallandspeaktoANYONEnooperatorsatalljustautomationalsotheyhavenoemailorcustomerservicethisisahorriblecompanytheywaytheoperateshouldbeoutlawedifyoudon'tbuytheirupgradedservice,yougetnoservicethisisextortion
Product: Mortgage

I had an vacant land mortgage loan with XXXX Bank which opened XX/XX/XXXX. 
I was never late until they bankrupt in XX/XX/XXXX and than during 2 year extensionuntil XX/XX/XXXX. Loan payments was {$220.00} and have told my mortgage sold and becamemature. All due about {$37000.00}. I could n't pay off. I have told " you will hear fromfrom us. Your account has been closed. We will returning your payments ". 
XX/XX/XXXX I have served foreclosure papers. They never took any action but just XXXX court filings. Around that time they start informing credit bureaus as a lalate with ( F ). They chanced bank name to XXXX and deleted all good paying paid history. So my score dropped from XXXX-XXXX to XXXX-XXXX with Open ( F ) andlate payments. Now account closed but showing XXXX late payments. XXXX pointsdown to XXXX-XXXX. I am disputing with credit bureaus to delete late paymentsbecause if I ca n't make my payments to my closed account " how could belate if account do n't except payments? Balance could go up but you can'tpunish me with saying late. XXXX and XXXX did not delete butXXXX corrected. Still playing with their rules for delete. Maybe oneday I can scoreXXXX points more than bankrupt person.
Product: Checking or savings account

Truist bank offered a {$400.00} incentive to open a new account. I opened the account and scheduled a direct deposit of my SSN check. 
They closed account and kept my Social Security.
Product: Debt collection

I received notice that I owed a debt. I had no idea what it was about or who it was from. The debt was a year old. I asked for verification of the debt. It was still not very clear who the debt was from. There was also no proof that anyone had sent any bills to me previously. I spent some time researching and finally figured out it was a doctor bill for my son from a year ago. Then it took more time to research my wife 's insurance because he was on that insurance and I don't have access to that. 
I had finally verified that this was a legitimate debt that was owed because we hadn't reached the insurance deductible. Then I received notice that it was reported to credit agencies as delinquent. 
My concern is that other than an original bill which was sent to the insurance company we never received a bill until we received a notice of collections a year later. Then 30 days later while trying to verify the debt it was sent to collections. 
I still am not sure who and how to pay the debt because the one paper copy of a collection notice I was sent ( not a bill ) has been lost.
Product: Student loan

I had a student loan that went into collection with Immediate Credit Recovery twenty or more years ago. The original loan amount was {$10000.00} and the interest rate 10 %. I set up automatic payments of {$250.00} a month that were deducted twice a month for at least ten of these years. I believe it was XX/XX/XXXX when they disclosed to me they could no longer make automatic deductions, so they began calling me to authorize payment. The original servicer was extremely rude and nasty and I had to speak to a supervisor in order to get someone humane. I also reduced my payments to once monthly, or {$120.00}. In XX/XX/XXXX I asked to settle the account for {$5000.00}. I was told that amount would never be authorized and I needed to make a payment of at least {$6200.00} to reflect 50 % of the remaining balance ( {$12000.00} on a {$10000.00} loan ). 

I called the school directly ( XXXX University ) and after several back and forth conversations between ICR, XXXX and myself the school authorized {$5000.00}. By this time however I had discovered that my payments to ICR had reached nearly {$30000.00} -- three times the amount borrowed. ICR could not explain to me why on-going payments were needed or even a lump sum to pay off the loan. In addition the school agreed that a 10 % interest rate on a student loan was now considered exorbitant ; however the school only communicated with me through ICR, which told me the offer to settle would expire within three business days. 

I called the CFPB three times for advice on whether or not to settle the account but was told there was no representative who could listen to my situation and guide me, and that I could only file a complaint. I did not want the collection agency to make my life any harder so I made the payment. 

After the payment was made, the servicer called to ask me to put in writing that i authorized each and every payment made on the account, which is in fact untrue. This is evidenced by the fact that i immediately cut my monthly payments in half when i was contacted by a live representative in XX/XX/XXXX. 

At this point I decided to make a complaint.
Product: Mortgage

I am trying to refinance a mortgage on a property that we just closed on in XXXX. Rates have improved nicely and we can save .25 % at no closing costs. <P/>The company that first handled our loan - XXXX XXXX - will not do the refinance because they do not want to get an interest recapture on the loan. They also re-pulled my credit without my authorization and will not correct this error. <P/>We then went to another lender, who could actually do a better deal - XXXX XXXX XXXX - but now the actual lender is telling them that they will not allow them to refinance the loan within six months. <P/>XXXX XXXX XXXX is the actual lender/mortgagee and is holding up this whole process unnecessarily and unethically. I would simply like to get the lower rate and I have called them 4 times and left messages over the last two weeks with no return call. <P/>Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts in question : XXXX XXXX XXXX I reported these accounts as fraud ( attached police report ). The accounts were removed as requested by me however no investigation was done by the credit bureaus or XXXX XXXX. Shortly after the account was placed back on my credit report without my notice or consent. I asked for the accounts to investigate and removed due to fraud. XXXX XXXX refused to investigate and provide me with original documents and statements to prove their claims. My requests were ignored which is a violation of my consumer rights. 
I sent a repeat FTC report and cfpb complaint regarding the fraud account and the accounts continued to be reported on my credit report. This is another violation of my consumer rights. 
Furthermore, I have informed XXXX federal to cease communication on these fraud accounts. However, my requests have been ignored and I am still harassed several times a day for years by a robocaller phones number leading by to XXXX XXXX once answered. To my knowledge, this is also a violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Derogatory accusations including ALLEGED INQUIRIES must be Metro 2 compliant to retain or report so delete these not physically with proof of permissible purpose from the exactly and legally identified as me. I did not authorize you to report not proven compliant information and you must comply.. Delete inquiries made by 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, credit repair services, or other personal consumer reports

My Credit Profiles indicates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all Debt Collection Companies, placed collections on my Credit Reports. However, I did not provide any written consent at all, not to mention the inaccuracy in the first place. I disputed through all three credit reporting agencies ( Experian, XXXX, and XXXX ) and the response came back confirmed. This is impossible because I have no knowledge of these accounts. Unfortunately, I have been a victim of numerous data breaches, credit companies included. According to the Fair Credit Reporting Act ( FCRA ), the consumer must receive notification of debt and an opportunity to dispute the debt before being added to any credit profile I never received it because it is false. Additionally, I did not give explicit or written consent to any of the above mention companies and for that matter, neither have I have heard of nor ever conducted any business with them. Furthermore, through the Consumer Financial Protection Bureau, these business matters have not been resolved ; Additionally, under 15 US Code 1681b - Permissible purposes, this is to be considered as identity theft. As a result of these inaccuracies my credit score has been deeply impacted making me seem as if I am not credible. I am uncertain why these companies are attempting to collect this erroneous debt. Kindly delete the collection account from all three credit bureaus ( Experian, XXXX, and XXXX ). 
Please remove these inaccuracies from all three credit bureaus immediately. second and third party credit reporting agencies are owned by all three credit reporting agencies. I feel this is why I am not getting any results, because they are asking themselves if I am me. This is totally unfair and illegal.
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 -Account Number XXXX Account Name : XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX Account Name : XXXX XXXX  XXXX OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX OPENED XX/XX/XXXX Account Name : XXXX  XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX  -DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX  -DATE XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX -DATE OPENED XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Those Accounts arent mine, I never Authorized those Accounts to be opened. -XXXX XXXX XXXX XXXXXX/XX/XXXX ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. 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. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the accounts listed below have violated my rights : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX  : # XXXX - XXXX XXXXXXXX XXXX XXXX XXXX # XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX Experian, XXXX, and XXXX have

violated my FRCA rights listed below : 15 U.S.C 1681i ( 2 ) ( A ) ( B ) Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 15 U.S.C 1681 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting or other personal consumer reports

This is my other request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I spoke to loan officer XXXX XXXX at XXXX XXXX XXXX regarding the Maryland Smart Buy program. The phone conversation was informal, and I was brainstorming my options of purchasing a home and see if I qualify for the Maryland program. The loan officer took that informal conversation and pulled a hard credit inquiry without my authorization. Nowhere in the phone conversation was I notified that my credit will be pulled and a hard inquiry will be performed. Now that inquiry is being reflected on my credit report and affecting my credit score.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



Open Accounts : DEPT OF EDUCATION/XXXX  # XXXX DEPT OF EDUCATION/XXXX  # XXXXXXXX XXXX # XXXX Closed Accounts : XXXX # XXXX XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

The reason for my complaint is that I tried to pay my car note on XX/XX/year>. The current amount owed is {$620.00}. The accounting in their back office as the documents will show would not let me pay online. The required payment that they are requesting is {$2100.00} and is inaccurate and would reflect the entire balance of the loan.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report online and noticed a lot of hard inquiries. I did not authorize these inquiries. I would like them removed from my credit file.
Product: Credit reporting or other personal consumer reports

I was checking my credit report and notice inquires, names, and addresses I do not recognize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Checking or savings account

Complaint Against Chime Regarding Unjustified Account Closure and XXXX of Funds I am writing to file a formal complaint against Chime for the arbitrary and unjustified closure of my account, which has caused significant financial distress. 

XX/XX/2024 - Account Usage : Direct deposits from my employer, payments for essential services ( XXXX, XXXX, XXXX  ), occasional grocery shopping, and food deliveries ( XXXX ). 

On XX/XX/2024, I discovered that Chime had closed my account without providing any prior notice or a valid reason. This account held my savings, and my paycheck, which was scheduled to be deposited on XX/XX/2024, is also directed to this account. 

When I contacted Chimes customer service, I was informed that the account closure violated some unspecified rule. They referred to the money in my savings as a refund and stated that I was not eligible for a refund. This response is both confusing and unacceptable, as it does not address the fact that they have effectively seized my savings and denied me access to my own funds. 

As someone who lives paycheck to paycheck, this sudden and unexplained action by Chime has put me in a dire financial situation. I have urgent insurance payments and credit card bills due this week, and without access to my funds, I am at risk of incurring additional late fees and penalties, further exacerbating my financial hardship. 

On XX/XX/2024, I called Chime again seeking a detailed explanation for the account closure and the status of my funds. After multiple purposeful disconnects on their side and extensive discussions with their customer service team, I was finally allowed to speak to a XXXX. The XXXX informed me that they couldn't see completely into the account and did not see the money I had in my savings. 

I feel that Chime has acted unethically and irresponsibly by closing my account without any warning or proper justification and by withholding my money. I am requesting the CFPB 's assistance in resolving this issue and ensuring that Chime returns the funds that rightfully belong to me. Additionally, I seek an explanation and assurance that this will not happen again in the future. 

I appreciate your prompt attention to this matter and look forward to a resolution.
Product: Credit reporting or other personal consumer reports

A recent review uncovered mistakes that demand immediate attention. These errors in the credit report are the reason why this letter has been written. 

Your bureau is aware of the significance of credit reports in determining one 's financial situation, for sure. The way XXXX is perceived as being creditworthy can be significantly changed by lies. It is expected that the credit report will reflect the current financial situation accurately. 

When one has a complete understanding of their financial past and present situation, such inaccuracies are no small matter. It's unsettling without a doubt when the system relied on for accurate reporting fails. 

Every consumer has a right to the promised accuracy and transparency. Our financial information has been given to your bureau, and it is expected that it will be accurate and free from mistakes that could cause it to reflect our financial situation incorrectly. 

In light of this, we kindly ask that you give this issue your undivided attention. As soon as you can, kindly fix the mistakes. It is crucial to portray the financial reputation accurately in all ways because it is so important. We really value your prompt attention to this issue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  XXXX {$9400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$3700.00} XX/XX/XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX XXXX  XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I paid the credit card company Elan before the due date of {$350.00} This was taken out of my checking account on XXXX XXXX BUT was not applied to the balance showing available credit of XXXX! 
I called the credit card company and the customer service person stated that it was being held since they were not sure if they would have gotten paid since a payment was returned in XXXX of 2020! 
I have never had a payment returned ever! 
I did pay the credit card twice in XX/XX/2020 so I requested that they send back one of  the payments. The credit card company did return one of the duplicate XXXX payments on XXXX XXXX. 
Furthermore the rudeness and unprofessional attitude was unbelievable especially during this time of the virus one would think that kindness would be prevalent!