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

The IRS stated that my Federal Income Tax Refund was deposited into my Chime account on XX/XX/2023. After a few weeks of waiting it was determined that my account number on my tax return was incorrect. The deposit had occurred by the time the inaccuracy was discovered. Chime assured me that the funds would be rejected since the deposit didnt match the account owner. I waited the prescribed XXXX weeks for the funds to be returned to the IRS and a paper check be issued. After waiting, I was informed by the IRS that the rejection didnt happen. Chime accepted the deposit despite the inconsistencies with the name on the deposit and the account. For the past 3 days I have been in contact with Chime. I was transferred XXXX times via chat. I would explain my situation and then the representative would reply that they were experiencing technical difficulties and needed to transfer me. They did this XXXX times to tire me out and force me to end the chat. I then called and was transferred XXXX times before I demanded to speak with a supervisor. I explained the situation to him as well and he kept telling me that the system would reject the deposit if it didnt match the account owner. I spent XXXX minutes explaining to him that I understand in a perfect world the system is designed to reject it, but my situation must be an outlier because this did not happen. I repeatedly asked him to just take the account number I gave him and verify that my refund posted to that persons account. I sent an email with all of the proof from the IRS to include my tax documents. He wanted me to believe that he couldnt access an account with just the account number and no name and that no one in the company could do it, so there was no need for me to try to speak to anyone else. I told him that was absurd!! and there was no way I was accepting that answer. He then went back to trying to tell me that the funds would be rejected and sent back to the IRS. I asked him to kindly tell me how long that would take if that was the case. He said XXXX days. I then told him that its been almost XXXX months!! He kept talking in circles and refused to resolve my issue. I am 1000 % sure that my refund posted to that persons account thats on my tax return. Chime refuses to correct the issue!! I was defrauded out of almost {$10000.00}. Chime dropped the ball and did NOT verify that the names matched and in return I was robbed!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please XXXX XXXX XXXX****, XXXX/XXXX XXXX****,  XXXX XXXX****  , XXXX/DEPTOFED XXXX****
Product: Mortgage

In XX/XX/XXXX. I was contacted by a realty company advising me of the different options that are available to me. I was never advised by Carrington that there was others options than going through a foreclosure. My realtor has received an offer on the property. I was recently advised that I was denied to participate in a short sale as my account was to much past due. In XX/XX/XXXX my lender was switch to Carrington. In the past was denied a modification and now a short sale. They are insisting that I have to go through a foreclosure and that there are no other options available. I do n't believe this right or correct. Please help me in anyway possible to avoid foreclosure and salvage my credit in order to proceeding with the short sale of the home. We have a far market value offer we 've received on the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by Experian..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP.. I am trying to get a job promotion which obviously comes with a raise.. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX  ( account showing duplicate on my credit report ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting

I have a Federal tax lien that was released, reporting on Equifax and XXXX. According to everything I have read on the laws, released tax liens must be removed within 7 years of the filing date. I have disputed this with the bureaus, as the filing date was more than 10 years ago. XXXX removed it. Equifax and XXXX have neglected to investigate it properly and remove it. The credit bureaus keep violating my rights as a consumer to have fair and accurate credit reporting.
Product: Debt collection

On XX/XX/XXXX I received a zombie debt letter from XX/XX/XXXX that had been paid in XX/XX/XXXX from XXXX XXXX XXXX XXXX that i owed a debt to them in the amount of {$590.00} from XX/XX/XXXX for court costs. The original court had been paid and i do NOT owe this debt and will not pay these people that i do not owe! This letter is threatening me if i do not pay them that i will get a warrant and lose my license. I wish to proceed to legal advice after i write this letter as i will no tolerate threatening letters from a debt collector that i do not owe and old zombie debt from 8 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information you are publishing about me is incorrect and inaccurate because you published it in your reports as accurate and verified several times. The examples are from you report copies and they do not match. Flagship LLC # XXXX First you published inaccurate
balances of XXXX and XXXX and keep publishing them. violation. Exhibit # 1 ( 2 ) After you claimed verified and accurate Second you have changed my ID address # on my report with flagship LLC. violation Exhibit # 2 ( 1 ) Also, you had been Reporting two months late and know you made it 90 days. Violation NEVER QUESTION VALIDIDTY OF LATENESS YOU HAD VERIFY PREVIOUS REPORTS AS ACCURATE AND VERIFIED Exhibit # 3 Also, you change the date for first reporting to XX/XX/XXXXand it was originally

XX/XX/XXXX.violation NEVER QUESTION VALIDIDTY OF LATENESS YOU HAD VERIFY PREVIOUS REPORTS AS ACCURATE AND VERIFIED. Exhibit # 4 Also, you took out one year of perfect payments. Exhibit # 5 Enclosed are copies of your reports and verifications. I request that you delete the above-listed tradeline immediately and provide me an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted. If you conclude that the tradeline item is verified, I request details of your method of verification.
Product: Credit reporting or other personal consumer reports

As much as I want to understand that there may be a surge of people reaching out to you about their credit report, I still don't get why my complaint has not progressed or given any possible outcome about this matter. I am extremely disappointed because the accounts I asked of you to remove is still reflecting on my file and is negatively affecting me and my future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX Balance : {$750.00} XXXX XXXX  XXXX Balance : {$810.00} XXXX XXXX Balance : $ XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX  XX/XX/2022 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I co-signed for a lease for my daughter about 3 years ago. When her lease was up, she qualified on her own and no longer needed my commitment. She purchased a new lease on XX/XX/XXXX and turned in her old car, thus releasing all payments owed on the former lease. 
I received a letter from Honda Finance dated XX/XX/XXXX that immediate action was required to purchase of return the vehicle. I called the number on the letter ( attached ) to explain that the car had been turned in. I was told that documents were required from the dealer so my daughter called to fix the issue. 
The dealer is XXXX XXXX Honda and my daughters sales person was XXXX XXXX. She was told that a check was sent to Finance on XXXX for {$280.00} and the tracking number was # XXXX. I told her to check that all the proper checklist was done to turn in the vehicle and she called to ask. She was told they would go through the paperwork to be sure and call her back - which they never did. 
Last week I was notified from my Bank the the credit reporting bureaus have been notified that I am over 30 days late on payment to Honda Finance. I feel that the Dealer and Finance companies incompetent practices have negatively affected my credit rating.
Product: Checking or savings account

I have had accounts with First Midwest Bank for several years. First Midwest changed my accounts without notice and was charged a XXXX XXXX maintenance for an account being below {$100.00}. 

These accounts are labeled as free checking when I go to pay bills. 

This is how it is listed as of XX/XX/19 Show all payees sorted by name Pay from : FREE CHECKING When I Log in it show the account as follows FIRST MIDWEST EASY CHECKING, which you need have a balance of {$100.00} at all times to avoid a fee. 

I was concerned at asked about this on the First Midwest bank XXXX site. 
This is the response that I received : First Midwest Bank First Midwest Bank Good morning Mr . 

First Midwest is a very strong, healthy bank. As a business, we have to make decisions that allow us to continue to be competitive in a very competitive market. That may mean closing a branch, updating and adding to our product offerings, and even sometimes adjusting fees. 

Thank you for your message. 

I went in to the bank and closed out the account that was charged, so I would not get charged another fee. The banker closed the account and was bragging about other branches being open. 

I have two accounts still open with this bank. They are charging maintenance fees for accounts listed as free checking.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I was informed of a data breach involving XXXX XXXX XXXX XXXX XXXX ), a data broker specializing in background checks. This breach exposed approximately 2.9 billion records, including Social Security numbers, names, addresses, and dates of birth. I am concerned because this breach may have compromised my personal information. As a result, I have taken steps to monitor my credit and secure my financial accounts, but I remain at risk of identity theft or fraud. I would like the CFPB to ensure that affected individuals are provided proper support, including identity protection services, and that the responsible organization is held accountable for safeguarding sensitive data.
Product: Credit card or prepaid card

On XX/XX/2019 Citibank converted a hold that the XXXX placed on my account to a charge. I did not pay for my stay with my Citicard. I only used it to hold the room. The hotel comped one night of the stay. My mother paid for the remaining balance of the stay with her credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

1. Account name : XXXX XXXX XXXX XXXX, # XXXX, ( XXXX, EXPERIAN ) 2. Account name : XXXX XXXX XXXX, # XXXX. ( EXPERIAN, XXXX ) 3. Account name : XXXX XXXX, # XXXX, ( XXXX ) 4. Account name : XXXX XXXX # XXXX, ( EXPERIAN ) 5. Account name : XXXX XXXX, # XXXX, ( XXXX ) 6.Account name : XXXX, # XXXX XXXX ( XXXX ) 7. Account name : XXXX XXXX XXXX, # XXXX, ( EXPERIAN, XXXX ) 8.Account name : XXXX XXXX XXXX XXXXA, # XXXX, ( EXPERIAN ) 9.Account name XXXX XXXX XXXX XXXX, # XXXX, ( XXXX ) 10.Account name : XXXX  XXXX XXXX, # XXXX, ( XXXX XXXX 11. Account name : XXXX, # XXXX, ( XXXX ) 12. Account name : XXXX XXXX, # XXXX, ( XXXX ) 13. Account name : XXXX, # XXXX, ( XXXX ) 14. Account name : XXXX XXXX I, # XXXX, ( XXXX ) 15.Account name : XXXX XXXX XXXX XXXX XXXX XXXX, ( EXPERIAN ) 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

2. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Debt collection

As the issue was resolved through XXXX investigation, it did take a year of writing, phone calls and diligent follow up with XXXX. 

The agency, Fair Collection and Outsourcing of XXXX Md, according to the online profile, is an agency whose customers are rental agencies. Soon after my court date, I would say within weeks they reported to XXXX an amount greater than XXXX dollars due without proper paperwork to support their claim and XXXX then published that information. 

From the rental office to the executive office of XXXX XXXX, I spoke to and was given an assurance that was an error, and their files do not have me owing them any monies. Yet the collection notice remained and has had an adverse effect upon me establishing credit, and credit checks. 

It took another six months for FCO to send their supportive documentation, a handwritten summary of the walk through done by their property manager after my departure. No court stipulations, nothing. 

I've asked XXXX for a summary of their investigation cc below : XX/XX/XXXX Re : confirmation # XXXX I received the results of the above investigation and its results that the information was deleted from my file. 

I am requesting from XXXX a description of the procedure used to determine the accuracy and completeness of the information provided by Fair Collections and Outsource, XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX and subsequently was placed as a collection notice on my credit report starting XX/XX/XXXXXXXX XXXX 

Thank You XXXX  cc : Consumer Financial Protection Bureau
Product: Debt collection

I was contacted by a rude individual from the agency on XX/XX/2018 at XXXX. When I verified my name and that the address she was providing was incorrect, she then blurts out the last four of my SSN.  This is a violation of my personal information as if you search my name, I am not the only XXXX XXXX to exist so why are you giving out the last four of my SSN??? Then After I tell her I am disputing the debt because this is for equipment that was returned. She then tells me that It is for the installments which I tell her That's incorrect. Her response is " Well if I am wrong, why are you in collections? '' I responded to her telling her not to call me ever again and ended the call. Then on XX/XX/2018, I received an additional call from this agency after specifically stating to not call me again.
Product: Credit card or prepaid card

Chevron card. Apparently the bank did a data migration and they 1 ) Changed my billing address and 2 ) Cancelled my automatic payments ( that have been set up since 1995 ). They claim to have sent out an email, although I have no record of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has still failed to address 2 major issues. 1 ) falsifying credit bureaus reporting the amount of actual debt owed ( real debt amount current equals {$12000.00}, Reported to credit bureaus {$28000.00} ) 2 ) They have not taken off {$290.00} interest charge made entirely in their fault and a breech of contract on a 0 % APR card, due to them tripling my debt. Quite frankly dealing with this company has caused me immeasurably grief, and financial hardships, I am now unable to do balance transfers to any other card, because of them lying to the credit bureaus about how much debt I have, which has also lowered my credit score by over 20 points. I demand them to immediately remove the {$290.00} interest charge, send an immediate letter to all credit reporting bureau with EVERY single error made on their part, and send me a copy so I can make sure my credit gets repaired. The last part should be checked by a 3rd party arbitrator, since XXXX has made dozens of mistakes over the last 6 months. Here are all of the mistakes I see since getting this account : Falsly claimed an interest charge of XXXX-XXXX, falsely added {$14000.00} in debt XX/XX/20, Falsey added {$290.00} in debt with interest charge.
Product: Credit reporting or other personal consumer reports

The mistakes on my report are not just frustratingthey are causing me real financial harm. I have already lost opportunities because of these errors, and I refuse to continue being penalized for something that is not my fault. This is unacceptable, and it needs to be fixed immediately.
Product: Checking or savings account

Capital one bank has been holding my direct deposit for 2 days. Everytime I call customer service they disconnect me. My mortgage payment was sent back along with other number payments made. Im getting charged late fees as well as return payments as a result of capital one not processing my direct deposit.
Product: Debt collection

I contacted SPS/Select Portfolio Servicing as they had accessed my credit file and reported to XXXX, XXXX, and XXXX  an account established in my name fraudulently. 

On XX/XX/XXXX I received a notice that my credit dropped by 100 points. It was due to SPS/Select Portfolio Servicing reporting of a mortgage paid late allegedly owed by me. I contacted SPS/Select Portfolio Servicing on XX/XX/XXXX, and XX/XX/XXXX disputing the account to SPS/Select Portfolio Servicing, XXXX, XXXX  and XXXX  and providing them with two separate police reports of identity theft naming SPS/Select Portfolio Servicing. 

I then notified Select Portfolio Servicing to CEASE AND DESIST under the FCRA. Upon receiving proof of the item as being fraud it is not to be reported any longer. I provided Experian with a second police report that identified SPS/Select Portfolio Servicing as fraud. I also disputed it with again and provided letters of dispute sent to SPS/Select Portfolio Servicing on XX/XX/XXXX ; XX/XX/XXXX, and XX/XX/XXXX. 

I AM THE VICTIM OF FRAUD. 

On XX/XX/XXXX ; I mailed another letter of dispute with a cease and desist to SPS/Select Portfolio servicing via CERTIFIED MAIL to their Utah and XXXX Florida office to CEASE AND DESIST reporting and collections of this fraudulent account as it is defaming and willfully harming me as a consumer.
Product: Mortgage

We have reached CitiMortgage four times in different years for the past ten years with no solution to our request to help us in lowering ( modifying ) the interest rate of 12.375 %. We consider that this rate is three times higher than the current interest market, we have never been late in our payments. We can't sell the condo because we owe more than its value, we expected help by modifying our current debt with CitiMortgage, but it seems that CitiMortgage wants to see us in a very desperate situation and delayed in payments to give us a help, which is unfair. The last time we met was this past XX/XX/2018 at XXXX ( XXXX XXXX XXXX XXXX XXXX, Florida XXXX ), and the only solution they gave us was to cash-out from our primary residence and pay out this second mortgage. We consider that we have paid unfair interest, since the market interest rates have been lower for the past 5 years. Our current debt as of XXXX is {$26000.00}.
Product: Credit reporting or other personal consumer reports

Tried contacting company about unrecognized inquiries received no information and no assistance company could not provide proof that I requested information or any sort. They were no help and nothing was done as far as removing information.
Product: Debt collection

On XX/XX/2021 and XX/XX/2021, I requested payoff amount totals for the debt owed on the account. On my credit report, they have not updated my reported balance since XX/XX/2021 and it states that my account is 90 days past due with a remaining balance of {$1300.00}. However, in their payoff amount emails on the above dates, I was only 30 days past due with a remaining balance of {$1000.00}. They have threatened in the emails that my credit will be impacted and it has because they have not updated my reported balance in almost 2 months. Based on their email as of XX/XX/2021, my remaining balance was {$510.00} because I have tried to resolve this on my own with continuing to pay in hopes of the company updating the correct amount to my credit report, however they have chosen not to do so. They are intentionally not reporting my updated balances and my credit health is severely impacted.