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

On XX/XX/2019 our 2 year CD with Ally bank has matured. On XX/XX/XXXX I've called the bank and told an associate that I would like the CD and the account to be closed and a check of the total amount to be mailed to me. I have the confirmation number XXXX. I was told it would take about a week.. 
On XX/XX/XXXX, not having the check, I called Ally again and was told by an associate that the account was not closed and the check didn't go out and he did not know why. I wanted to talk to a manager but none was available at the time. 
Next day morning, XX/XX/XXXX, I called again and was able to talk to a manager. He could not explain why the account and the CD was not closed as I requested but assured me that the check is already in the mail. I asked why wouldn't they send it by overnight being so late but didn't get a response. 
It's XX/XX/XXXX and I still do not have the check. Moreover yesterday I have received a letter from Ally letting me know that the CD has been renewed for another 2 year term. It's surreal.
Product: Credit reporting or other personal consumer reports

XX/XX/year>2024 capital one improperly reported late payment on my personal report without me written consent. 
This has damaged my credit worthiness and personal reputation and has hindered my ability to use my own credit. See attached documents
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ) Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion 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 A collection account opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ). 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

XXXX we got loan from tower loan wife got injured on the job on workmans comp hard to pay loan 6 months late they have threatened legal action 6 to 7 times my multiple people in company we paid account regularly until injury we have explained as soon as we have we will pay the loan off but they are persistent calling two to three times a week each time telling me we will just turn over to our attorney
Product: Credit card or prepaid card

I was released from a prison term of 6 years on XX/XX/XXXX and had to reactive my XXXX benefits. I visited the SSA and completed the process of reactivation. Because I no longer had my XXXX XXXX XXXX, I signed up for a Chime Card after seeing the commercial on television. On XX/XX/XXXX I changed my direct deposit and received confirmation from the Social Security Administration. 

Per the SSA ( Social Security Administration ) my direct deposit was effective on XX/XX/XXXX, but on XX/XX/XXXX no benefits were received on my debit card ending in XXXX. I went back to the SSA and was told that the funds were released to Chime ( XXXX XXXX XXXX ) and I needed to contact them. 

I immediately went home and contacted the support team and was told they could not see my direct deposit. The next day I was told that it would take some extra days because it needed to go through the federal reserves before coming to them. The day after that I was told that because this is my first direct deposit that it would take extra days and they would post my funds upon receipt. From XX/XX/XXXX to XX/XX/XXXX, I still have not received my direct deposit in the amount of {$980.00} and I have a problem with this. 

Their advertisement states that you can receive your check up to 2 days earlier, but if signing up for the card in XX/XX/XXXX that was 30 full days they needed to verify my information for the direct deposit date of XX/XX/XXXX. Also, to verify my account, I had to submit a front and back copy of my identification card, which approved my account. 

I am filing my complaint because at this point Chime ( XXXX XXXX XXXX ) can not tell me where my money is and my landlord has provided me with a 3 Day Notice to Vacate. I need help ASAP! 

Please, investigate my complaint at your earliest convenience.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 i sent certified mail to XXXX and XXXX ( XX/XX/2024 ) to verify the XXXX debt the accuse me of allegedly owing. XXXX never got back to me with info showing who they contacted to verify the debt w/ name and number according to the law. They told me to follow up with XXXX because they could never verify the information. Meaning they never reached out to anyone WHICH IS THEIR JOB. And if XXXX can not be reach and if they are not responding XXXX SHOULD DELETE THE ACCOUNTS BC THEY CAN NOT BE VERIFIED. My next step it to file suit against them because this is beyond unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, a scammer was able to un-freeze my credit report with Experian via the on-line portal in XXXX. The scammer used my stolen data to verify and unlock my Experian credit report. 

Experian has the functions of freezing and unfreezing available with simple verification of stolen users data is highly unsafe. XXXX  and XXXX have it in a log-in portal that you authenticate with an online account. I know Experian uses verification using personal data, but if someone is persistence enough, they can gain a lot of information on line. In my case, the fraudster was able to gain information from XXXX XXXX by pulling all of my credit reports. This simple verification process renders the mandated free report freezing useless. 

Experian flaws is a self-serving business practice as it is forcing the consumer to pay for their membership services in order to Lock the credit report. The freezing/unfreezing should be hidden behind a verified account log in. The creation of these accounts should also go through a one time verification process such as identity mail-in or Id.me verification. 

I am currently force to subscribe to Experian membership just so I can Lock my credit report rather than trust the freeze/unfreeze functions.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, Wisconsin XXXX Date of Birth : XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute the negative information that appears on my credit report, as required by the Fair Credit Reporting Act ( FCRA ) section 611. 

There are several items on my report that are inaccurate and should be removed immediately to ensure the accuracy of my credit report. These items include : The name XXXX XXXX XXXX, which does not belong to me, is listed on my report. This violates the FCRA 's requirement that credit reporting agencies report accurate information about consumers. 

The following addresses are listed on my report that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This violates the FCRA 's requirement that credit reporting agencies report accurate information about consumers. 

The employer XXXX XXXXXXXX XXXX is listed on my report, but I have never been employed by this company. This violates the FCRA 's requirement that credit reporting agencies report accurate information about consumers. 

Several accounts on my report, including DEPT OF EDXXXX ( account numbers XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), have payment histories even though they have been charged off. This violates the FCRA 's requirement that credit reporting agencies report accurate information about consumers. 

The account with XXXX XXXX XXXX ( account number XXXX ) has inaccurate information regarding payment status, balance, comments, payment history, and account number. This violates the FCRA 's requirement that credit reporting agencies report accurate information about consumers. 

I request that these items be deleted from my report immediately in compliance with the FCRA. I also request that you provide me with a free copy of my credit report, as required by FCRA section 612. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting

Transunion itself has been fairly easy to work worth over these passed few months but i am pretty sure they are reporting a debt that is over the statue of limitations. This is a debt owed from 2005 and I am sure they should not still be reporting it.
Product: Credit card

I have reported American Express several timeshere. This time I am upset because I have askedthem to cease and desist and three days laterI was sent another threatening email. Also thecyber fraud issues have been going on sinceDecember 2013, which is way longer than 30 days. 
I have told them I feel threatened and asked forproof of investigation and this is finally supposedto be in their fraud department, but they still tryto collect what we allege we do not owe. They saytheir attorney investigated this, but if this is true, then why have we received absolutely no proofof the line item charges we ca n't find that areset forth in the totals they say we owe? This isusing the reporting threat to extort money from usthey refuse to show we owe. They have also notpaid people we authorized to pay, and for which wemade payment. XXXX of these is XXXX XXXX, and there appears to be more of thiswith other companies, which we are investigating, and these things are new cyber fraud issues. Sowhy is n't American Express really investigating, and if they finally are through their fraud departmentthen why are they harassing us withconstant emails and threats to report us to thecredit agencies. Enough is enough! We ca n't be theonly ones to whom this is happening. All we want to do is pay our bill, but only as to the actualcharges we authorized and/or also that we can seein black and white. This is all we ask. Do n't payunauthorized charges. Show us in black and whiteand line by line ( correctly ) how you came up withyour final balance. We pay all new charges in fulleach month, so interest charges do not apply to thisissue. So where are the line item charges wecannot see?
Product: Student loan

XX/XX/2019. {$3000.00} plus interest and associated fees. I attempted to update my account due to complications with my job and car repairs eventually a repayment plan was incorporated and I would like my credit repaired due to complications with COVID-19 impacting XXXX, Michigan under executive orders of Governor XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Assistance in Resolving XXXX XXXX XXXX XXXX XXXX XXXX Case To Whom It May Concern, I hope this letter finds you well. I am writing on behalf of a federal award recipient, authorized by the XXXX Department XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX in Persons ( please refer to the attached Confirmation of Authorization ). This communication is to inform you that the XXXX XXXX has verified and determined that XXXX XXXX is a victim of severe XXXX XXXX, as defined under XXXX XXXX. XXXX ( XXXX ), or XXXX XXXX as defined under 22 U.S.C. 7102 ( 12 ), in accordance with the requirements for blocking adverse credit information pursuant to 12 C.F.R. 1022.142 ( see attached rule ). 
The XXXX XXXX is a dedicated organization advocating for the rights and protection of those affected by XXXX XXXX XXXX XXXX XXXX  Our mission is to support survivors of this serious human rights violation and to work collaboratively with various stakeholders to address and combat this critical issue. 
In the course of our work, we have identified a case involving an individual whose credit report reflects an outstanding debt that we strongly believe is tied to XXXX XXXX The nature of this debt suggests possible coercive or fraudulent practices, resulting in an unfair financial burden on the victim. 
We kindly request your assistance in blocking and removing any adverse accounts that are negatively impacting her credit profile, in compliance with applicable regulations. Your prompt attention to this matter is greatly appreciated, and we look forward to working with you on this important issue. 
Thank you for your consideration. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

I have disputed several medical debts with this company ( United Consumers Inc ) and the credit reporting agencies for reporting  accounts that do not belong to me and are greatly impacting my credit report. When disputed with the credit reporting agencies this company continues to verify this debt through the stroke of a keyboard using the Credit Reporting Agency XXXX - ( XXXX XXXX XXXX XXXX  XXXX  ) without any substantial verification. When I dispute with the company, they send me a printout of hospital visits ( in my name ) but visits and treatments that I never took - how does this happen?!. This I'm sure is a direct HIPAA violation. I hope CFPB can help me get to the bottom of this. Otherwise, the only thing I know left to do is hire legal counsel and pursue litigation not only against United Consumers Inc but the credit reporting agencies as well for unsubstantiated reporting and sharing medical information of another individual.
Product: Debt collection

I paid my monthly due amount to JC Penney, inside the store in XX/XX/2018. They advised me in XXXX that they did not receive my payment. I sent them a copy of my cancelled check which showed that they did receive the payment. The letter was sent on XX/XX/2018 to the headquarter office of JC Penney, customer service and headquarters of Synchrony Bank. The information was to the address on the statement. I received my statement today, which showed another late fee and a larger payment due. I called Synchrony Bank and they said that they never received my letter. I am suspicious that all 3 did not receive my letter as I have not heard from any of them. My letter is below.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting a late in XXXX that I should not have. This was due to a technical error on their half and they said it would be removed. There should not be a late on this account.
Product: Credit reporting or other personal consumer reports

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

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX XXXXXXXX XXXX Under the XXXX XXXX, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

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

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

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

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

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello, I previously had an account with chime financial. On XX/XX/2023 my account was suspended because I received a deposit from United States Treasury Department also know as IRS. The Deposit amount was for {$50000.00} into my chime checking account. Inside of my chime credit builder account was {$490.00} balance from my employer check that was deposited on XX/XX/2023. Now on XX/XX/2023 I received a email from chime that my account have been CLOSED. Reasoning is that my account does not comply with the terms of the Deposit Account Agreement any funds in account will be mailed in form of a closure check. Then after speaking with chime supervisor she sent a email to the offline back office chime protection member I then get a email to send request documents that verify my deposit such as tax transcripts w9 also all DL SS all proof of identinty. The next email stated to re-enable account access and I should receive a response within 24-48hrs. I then received another email stating that I will receive closure checks of funds from both checking an credit builder account within 30days today is XX/XX/2023 it is way pass the time I have yet to receive my closure checks. I repeatedly sent the same email of verification they requested I have literally sent 47 emails an called/spoken to many chime members several times for weeks. In some emails I even stated personal information about my hardship this situation is causing me. Im a single mother of XXXX. And most of all Ive expressed why my closure checks should be expedited because my son has XXXX so his life medical treatment depends on this. Also on XX/XX/2023 some fraudulent activity within chime company went on with my account it was open for a few hours then closed which is extremely suspicious an bizarre. So now it looks like my account was closed on XX/XX/23 instead of XX/XX/23 even though I have proof from chime that my account was closed on XX/XX/23. It still 30 days pass the time to receive my money. 30 day closure checks time frame is chime policy. Please help me with a resolution.
Product: Credit reporting or other personal consumer reports

I am keeping Equifax informed of the following on my credit file : XXXX. XXXX XXXX XXXX is reporting inaccurate payment history. 
XXXX. Equifax is reporting inaccurate payment history. 
XXXX. XXXX XXXX XXXX is reporting the account as Charged Off without providing tax document 1099 for my records as required by the IRS. 
XXXX. XXXX XXXX XXXX refuses to provide me with the proper documentation for the charge-off account.

5. I have sent a request for the removal of the account several times to Equifax, Equifax has marked this account as verified by the data furnisher. I am now asking Equifax ... How?

6. Please see attached documents that show inaccurate payment history.

7. Please see my request for the Tax document 1099 that is required to be sent to me as per the IRS for my records.
Product: Checking or savings account

I found out a couple of months ago a cash app was opened in my name and funds were being borrowed that I did not do after contacting cash app they proceed to tell me that it's was created this day and all information matches me however I explained I don't know how but I did create the account and they did nothing about it now I'm being told there is an outstanding borrow balance over XXXX dollars that I did not do I did the lawsuit and I haven't heard anything about it it's ruing my credit and my name.