23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I started a checking account with Chime, in late XX/XX/2023. I also opted for the Credit Builder secured credit card to start helping my XXXX score. The company I work for, XXXX, offers direct deposit, to be set-up in Workday, for paperless payroll and convenience. I selected and entered my Chime checking account as the elective account to receive the payroll, which is bi-weekly, on XXXX. My first two paychecks went through, no issues, to my checking account. The third pay date, XX/XX/2023, was deposited to the Credit Builder account, which I never designated or chose as a payroll election. The full amount, {$3100.00}, was deposited to Credit Builder. Now, if there was fine print that stated the Credit Builder account would be taking anything from my payroll, I never would have signed up for any product from Chime. I never saw or was able to review any language over this " option. '' I thought the action was severely wrong and immediately shut the Credit Builder down, through a Chime representative by chat, on XX/XX/2023. Payroll does come early with Chime, hence the XXXX date before the actual XXXX pay advice date. I noticed that as I checked to transfer funds back to checking before the closure of the Credit Builder account that this option was unavailable. My payroll was literally " trapped '' in the Credit Builder account, and the only access I would have would be through the credit card. The chat agent also never told me that once I closed the account, there would be a check mailed within 30 days with any funds in the closed Credit Builder account. This actually could be longer because there is a 14-day period to clear all transactions. Why would I ever knowingly let this happen? I NEVER WOULD, NOR WOULD I AGREE TO THIS FINANNCIAL SETUP. Also, I now have zero access to my payroll, which means missed car payments, missed utility and cell phone payments, late rent payments, and so on and so on. The repercussions of this action are endless. I finally have gotten in touch with several supervisors that have " stated '' they can expedite the return funds check, yet I have zero follow-up from these interactions. This has been after every interaction, usually by chat since XX/XX/XXXX  up to today, has been fruitless. They repeat themselves constantly and actually write, " don't worry, we love our customers. '' Its almost insulting to get that type of response. Each rep says they have to email someone to get this done. Who that someone is, I have no idea. I have been going through this now for eight days, with zero resolution. This is shameful upon any company and if any accounts are ever closed with remaining funds, a transfer or smoother option should be available, not a 30-day waiting and mailing period, essentially trapping all of my payroll or anything else that would have been in the account. I hope this gets a lot of attention, because the process is entirely wrong on Chime 's behalf.
Product: Vehicle loan or lease

On XX/XX/XXXX, I legally changed to my married name on my XXXX State driver 's license and US Passport. I contacted PNC Bank to ask how to change my name with them. They supplied me an address to physically mail a request to change along with supporting documents. I called 10 days later to confirm they received it. They stated it was changed on the loan only. I requested them change it on my vehicle registration and Title as I could be cited in a traffic stop for my registration not matching my ID.I complained online on XXXX on XX/XX/XXXX that PNC still hadn't changed it. That afternoon i was contacted by their resolution team by XXXX XXXX ( XXXX # XXXX ). I responded with an email of my best times to speak on the phone as she requested. That next day ... no call. I called the number she provided and after getting out to 4 different consultants, I was given to XXXX XXXX XXXX. She told me to contact my DMV and XXXX   Dept of Motor Vehicle registration and see what they told me. These places all said she had to handle it. I also during this time, contacted my XXXX XXXX tag office to ask them what they suggested. I have an email proving they stated it has to be done by PNC. XXXX said she would research and get back to me. On Monday XX/XX/XXXX, i called and spoke to XXXX XXXX at PNC and she said XXXX XXXX was out but she would inform her to follow up. I literally left a message daily after that to see why she hadn't called me back. I called XX/XX/XXXX & XX/XX/XXXX and requested that someone contact me regarding my request as XXXX XXXX has not returned my calls. I spoke with XXXX and XXXX at PNC Retail escalation ( I have their extensions as well as call logs proving this ). They all refused to assist me and kept saying XXXX XXXX would contact me. They also verified she was at work to respond to me. I was told her manager would also be made aware of my concerns. Today, XX/XX/XXXX, XXXX called me and informed me that XXXX XXXX said she never spoke with me even though PNC has recorded lines. He said he would be taking over and asked for my ID information again after i had confirmed PNC received it along with my request weeks prior. He said he would research how to change my name on registration and title. I asked him if he would like the email from the Tag office stating it was up to PNC. He refused that. I feel like PNC is refusing to perform what i have requested as a loan holder and i have provided everything needed for them to accomplish this.
Product: Debt collection

XXXX XXXX Reporting Unverified Debt in Violation of FCRA I am filing a complaint against XXXX XXXX for failing to provide verification of a debt they are reporting on my credit report. 
I disputed the account and requested verification under my rights granted by FCRA 611 ( a ). However, XXXX XXXX has not provided any proof that this debt is valid. 
Despite their failure to verify, they continue to report this account as accurate, violating FCRA 623 ( a ) ( 3 ).

Under the FCRA, if a furnisher can not verify an account, it must be deleted. XXXX XXXX has not done so, which negatively impacts my credit. 

I request that this account be removed immediately due to their failure to provide verification. I also request an investigation into National Grids reporting practices for compliance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that reflects a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this item however, I have not been successful.
Product: Debt collection

i signed a year lease with XXXX property management company i began having issues with the house i lived in i advised the rental company several times of the issues. 1st issue was the basement flooded do to a crack in the foundation of the house the property management company had several companies come out to get estimates to repair but no repair was done in a timely fashion the basement ended up flooding causing damage to my belongings i filed a insurance claim through my renters insurance they denied claim stating that flood damage was not covered but owners could possibly have coverage for that. I then contacted XXXX and informed them sent then denial from renters insurance and pictures of damaged items totaling around XXXX dollars. They then had maintenance come out in cheaply repair the wall. this happen in XXXX XXXX my second issue was the air conditioning unit going out in them not repairing it for over a month i have XXXX children that were in the house with me when temperature got almost 100 degrees outside. my 3rd issue was the mold growing in the basement where they were notified by the health department to make repairs within 30 days in they failed to do so. they company is trying to collect over XXXX dollars in back rent they say is owed to them but took my deposit were there is no where in the lease that says my deposit will be fortified for unpaid rent they should have applied it to the unpaid rent they say was owed. I then in XX/XX/XXXX get a call from a collection agency called national credit systems demanding money and being very rude and unprofessional every time they called i informed them of me having a attorney because a rent escrow case was filed before our lease was up and they still continued to call and advise me of debt owed. i need this debt to be removed from my credit and also the joint persons credit that is on the lease with me. i have tried to reach out to XXXX plenty of times and they are always given me the run around about why i was charged for XXXX rent when the lease ended XX/XX/XXXX and we moved out before XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the CFPB lawsuit highlighting sufficient issues. Using Zelle a lot times and reporting discrepancies and Zelle failed to investigate.
Product: Mortgage

XXXX stole my home. I was approved for thr princiapal reduction program and Ocwen denied me knowing that is the only way i could keep my home. because i have proof that they denied me with Ocwen onXX/XX/XXXX never telling me when i called on XX/XX/XXXX to tell Ocwen i got us more time they just need to call kyhc and let them know you are working with like you did last month. on XXXX i sent O more info like they want and got loan docs. on XX/XX/XXXX. by the time i figured out what Ocwen did my home was foreclosed on. I have all the proof. please help
Product: Credit reporting or other personal consumer reports

I am submitting this complaint concerning the fraudulent items found in Experian, XXXX, and XXXX Credit Bureaus. I am requesting once again for the removal of these items. In accordance with the FCRA regulations, it is my understanding that your organization is obligated to conduct a thorough investigation into the items listed on the identity theft report. To facilitate and expedite the investigative process, I have attached relevant documents that provide additional context and evidence related to the erroneous information currently present on my credit report. These documents aim to assist your team in comprehensively addressing the items that are not associated with me or have been initiated without my authorization. Please review the list of fraudulent items that I would like to be removed in my next update : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/23, I opened a checking account with Citizens Bank. 
On XX/XX/23, someone withdrew {$500.00} from my checking account from the ATM. At that time, I still had not received the debit card. Someone stole my mail with the debit card and the PIN number which they used to activate the debit card. When the withdrawal transaction occurred, I received a fraud alert notification from Citizens bank and I responded that this was fraud. I spoke to the bank rep and a claim was created. Citizens bank then mailed me a new debit card. 
On XX/XX/23, I received a letter from Citizens bank that based on their investigation, fraud did not occur and they will not credit my account {$500.00}.
Product: Credit reporting or other personal consumer reports

Remove all the accounts that dont belong to me at all immediately The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Student loan

I was actually XXXX XXXX XXXX XXXX i was not a XXXX  at the time. 
I have been charged interest since 2012 to spite being " permanently and irreversibly '' XXXX and verified Social Security numerous times. 
My BPQY report, which the SSA sent directly to the US Department of Education demonstrated next recertification date of XXXX. 
The law states any condition lasting, or expected to last more than XXXX  months. I have been on XXXX for XXXX  months. So a doctor said this is going to last more than XXXX  months, more than XXXX  months ago. And not again for much greater than XXXX  months. 
XXXX XXXX and the Office of Civil Rights confirm that the law and Constitution have no place here. I had to create XXXX to combat the widespread pattern of abuses and misconduct so prevalent in Oregon today.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 month ago Equifax leaked my ( and millions of others ) Social Security number and other private information to hackers. Equifax failed to notify me of the breach, and like most other Americans affected by this breach, we only heard about it in the past week from social media and television. 

Now I must freeze my accounts, pay a credit monitoring service to notify me of fraud, and possibly look into changing my social security number depending on how many people now know it.
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 : XXXX, Account : XXXX, Account : XXXX, Account : XXXX, Account : XXXX, Account : XXXX, Account : 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 15 U.S.C 1681 ( 2 ) ( a ) ( i ) States exclusions on " consumer report '' does not include report containing information solely as to transactions or experiences between the consumer and the person making the report.

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.

15 U.S.C. 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Form 1099-c must be filed regardless of whether the debtor is required to report the debt as income.

According to the IRS a charge off is considered income and not debt and a 1099-c must be filed along with taxes. 

Section XXXX of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete.
Product: Credit reporting or other personal consumer reports

I sent Equifax a dispute on a some accounts that are inaccurate and unauthorized. Within 24 hours Equifax sent a response back stating that the accounts have been verified and they did not send any validation or verification of the reinvestigation that I keep requesting. I have disputed these accounts in the past about the accuracy of these accounts and some accounts that I do not have a contract with. Equifax 's actions are continuously harming my livelihood and my reputation. I need for Equifax to delete all inaccurate accounts from my credit report immediately. My information was also leak in Equifax 's Data Breach. Accounts are popping up on my credit report that I do not recognize and hard inquiries as well that I did not authorize or recognize. Equifax is violating my constitutional rights and my consumer protection rights.
Product: Debt collection

Pinnacle has refused to correct their false information and have not met the FCRA standard. Consumer is seeking the licensed and registered agent in Pennsylvania to pursue action for violations by Pinnacle. 
Creditor, collection agency and credit bureau, if they reage your debt ( FCRA section 605 ( c ). 

Creditor, collection agency if they report your credit history inaccuratley ( extent of damages incurred ) a collection agency can not misrepresent a debt as to the date, legal, or amount ( FDCPA ) FCRA Section 604 ( A ) ( 3 ) covers the pulling of a credit file without permissible purpose
Product: Credit card

I was charged for something from a fashionphile these where not authorized but chase is saying I authorized and approved
Product: Credit reporting or other personal consumer reports

I called on XX/XX/24 to check the status of my credit protection and the agent let me know that the doctor didn't sign the forms for both credit cards and XXXX  # is missing. TO DATE none of the forms i submitted had a XXXX  number and was apporoved. Also the DOCTOR DID sign the XXXX form forvmy milestone ( see attachment )
Product: Credit card or prepaid card

I had already submitted a complaint on this company and you were able to have them take back the account or however they decided to deal with it and I have been making payments. This is after speaking to a Supervisor and she saw that what had transpired was incorrect prior to my reporting to you. So she decided that I should just call in with the payment ( she did not give me a specific amt because of what had happened, I was just going to pay until it was done ) I made 3 payments before and called in with my fourth today. 
However, today XX/XX/18 I called XXXX XXXX XXXX, the number I was told to call and make the payments ( I have already made payments with them ) the person answering the phone operator XXXX XXXX XXXX, told me that I could not. 
She kept on looking at the old information and telling me its with an outside collector ( I AGAIN, if it is was not advised, the same reason I had to complain before ). She claimed to have gone and checked and came back saying that I have to make the entire payment TODAY, in order for her to take the payment.. 

SHE DID NOT TAKE THE PAYMENT SO NOW i HAVE NOT PAID AND i DO NOT KNOW THE STATUS OF THE ACCOUNT BECAUSE OF THE AMBIGUITY WITH THE EMPLOYEES.
Product: Credit reporting, credit repair services, or other personal consumer reports

About 5 years ago my personal information was compromised and my identity was stolen. Over the passed few years I have noticed inquiries on my credit that I did not authorize and had no prior knowledge of, Sometimes it was accounts ( cable, phone, utilities ) most were easy to prove fraud. 
Beginning in XXXX I saw these instances become more frequent for a while it was over 30 per week. Whenever I learned of these I would contact the companies extending credit and notify them of the fraud. 
In XXXX I began to notice many apartments showing up, many of which were actually signed leases in my name and some were just applications. A lot had utilities connected in my name as well. 
Last year, I learned a XXXX person named XXXX XXXX was arrested in XXXX FL for fraud and counterfeit charges I contacted the apartments and learned he was claiming to be me and had an apartment in my name that was in default, he was giving the office fake checks to pay rent and was thousands of dollars in debt in my name. 
I have police reports and FTC filing but can get nowhere with the bureaus, collection agencies or creditors. 
I need assistance getting my life. Back. 
The companies are : -XXXX  XXXX XXXX XXXX 1 ) XXXX XXXX XXXX XX/XX/XXXX {$4600.00} 2 ) XXXX XXXXXXXX XXXX XX/XX/XXXX {$270.00} 3 ) XXXX XXXX XXXX   XXXX XXXX XXXX XXXX {$370.00} 4 ) XXXX XXXX  XX/XX/XXXX {$320.00} 5 ) XXXX XXXXXXXX XXXX XX/XX/XXXX {$100.00} - XXXX XXXX XXXX 1 ) XXXX XXXX XXXX XX/XX/XXXX {$3300.00} - XXXX  XXXX XXXX XXXX 1 ) XXXX XXXX XXXX XXXX XX/XX/XXXX {$4700.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$540.00} -XXXX XXXX XXXXXXXX XX/XX/XXXX {$160.00} -XXXX XXXX XXXX XXXX  XX/XX/XXXX {$450.00} XXXXXXXX XXXX  XX/XX/XXXX {$300.00} These are the ones currently showing. Some of these have part my correct info and some inconsistent. I need help reclaiming my life. I have statements, FTC Filing and police reports but I cant get the bureaus, agencies or creditors to help me. 

Can you assist me?
Product: Debt or credit management

I have been dealing with Fay Servicing for about 2 years. My father passed away and I took over his loan payments. The first year there were no issues, then without notice the company stopped accepting my payments. Ive provided court probate documents and the company still wont work with me. As a result they have sent employees to place letters on the fence of the home in question ( stating the house was vacant or abandoned ) which resulted in the house being broken into. They also sent a third party property management company to remove the fence to the home so that a pad lock could be placed on the front door! They have been nothing short of a nightmare!! Please help
Product: Bank account or service

I opened an account with Wells Fargo only to retrieve cashers ' checks to move into my new place from XXXX to XXXX XXXX XXXX. I opened the account with {$50.00}. The personal banker XXXX XXXX on XXXX XXXX XXXX XXXX never read a disclosure or informed me that a hard inquiry on my credit was going to be pulled. I signed some electric pin pad that I assumed was just to sign for the checking account. XXXX points were taken from my FICO score. 
Since opening the account, I have learned that I have a checking and savings account with a secure credit line, and there is a {$6.00} fee per month that was never disclosed to me until my husband was put on the account. I NEVER asked for these services, I wanted a simple checking account to get cashiers ' checks from my main online bank that I do business with. This account was supposed to be mainly for my husband on the account, for when he moved here. I called XXXX XXXX XXXX times to explain the situation, with no follow up. He stated he would talk with the branch manager. I called XXXX other times and left messages with no result. All I want to do is close my account. All that should have been checked is check systems ; my credit should never have been pulled. I feel I was tricked and deceived.