23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Here is an email I wrote on ( Mon, XX/XX/year> ) to XXXX XXXX XXXX XXXX : I applied for PPP around late XXXX XXXXXXXX of this year. I used XXXX XXXX XXXX to apply for both rounds simultaneously & qualified for 2 rounds of {$3700.00} each. Chime bank ( lender XXXX XXXX ) returned one of those rounds back to SBA claiming via email nothing was wrong w/my XXXX acct or XXXX, but when I called Chime, they said they returned funds because it was not a business account. I changed my bank to XXXX XXXX in the portal and was paid via XXXX {$3700.00}. When I look at my XXXX portal it says 1st Draw funded,2nd draw borrower withdrawn. 

A XXXX video showed a page on the SBA website basically stating if one qualified for both rounds, and one of the rounds experienced an error, that those funds were secured in our name and we would eventually be paid all of the money we qualified for. 

So, in recent news Chime bank has been delaying customer funds and the article said the CFPB was looking into them. It reminded me about what happened to me during the pandemic. But it didn't just happen to me. There is a whole XXXX  of small business owners who were told by Chime bank that the name they used on the PPP loan was not the same name used on the Chime account, and that is why the funds were not distributed. 
I told them they were mistaken as I just used my first, last name, no middle name. The customer agent who sounded like he was working in a busy XXXX office based on his accent told me he would check with his supervisor. After waiting on hold he told me I didn't get my PPP funds because I did not have a Chime business account. 

I explained I was an XXXX XXXXXXXX and I was the only employee & when I signed up through XXXX and Chime bank was listed as a provider, there was no wording to warn me that I needed a Chime Business account. I already had a regular account with them and have never owned a business account with anyone, though I am a small business. He said he was sorry and there was " nothing '' he could do. I called the SBA who passed the buck & said PPP was handled by the banks, even though Chime told me the moeny went back to the SBA. 

When I looked over the Chime website that gave instructions on how to apply for PPP, it says nothing about needing a business account. Not only that, I could not find a way to even apply for said business account. 
Here I will provide a link to Chime where they explain PPP rules as well as the XXXX of small business owners who were fraudulently told that their names on the PPP loan did not match the name on the Chime account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ XXXX XXXX ago So chimed denied my deposit yesterday because they said the name on the deposit didnt match the account. Which is not true. My name is the same on both. I called chime multiple times during to week and they assured me there would be no issue. My question is, what do I now? ]
Product: Credit card

on XXXX I received an unsolicited XXXX debit card from NETSPEND. It is serviced through XXXX,
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate deletion of the inaccurate bankruptcy entry listed on my credit report under the court name " XXXX XXXX XXXX XXXX XXXXXXXX '' with the reference number XXXX. The information listed is incorrect, unverifiable, and violates multiple provisions of the Fair Credit Reporting Act ( FCRA ). I urge you to take swift action to rectify this matter. 

Details of the Disputed Entry : Court Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Type of Record : Bankruptcy Reference Number : XXXX Report Number : XXXX According to a letter from the United States Bankruptcy Court in the XXXX XXXX of Illinois XXXX the court does not furnish any information to credit bureaus and is not responsible for verifying or reporting bankruptcy information to agencies like XXXX. Therefore, this entry is inaccurate, unverified, and should be removed immediately. 

Disputed Address Information : Additionally, the bankruptcy entry includes an address that I have never lived at or used in any credit-related activity : Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
Please provide proof that I have ever lived at or reported this address. As there is no such documentation, this address must also be removed from my credit report. 

Violations of FCRA : Under the FCRA ( 15 U.S.C. 1681 et seq. ), credit reporting agencies are required to ensure that the information they report is accurate and verifiable. This entry is neither, due to : FCRA Section 609 : The right of consumers to receive all information reported by credit bureaus and the requirement to verify the accuracy of reported information.

FCRA Section 611 : The obligation for credit bureaus to investigate disputed items and remove unverifiable or inaccurate information.

FCRA Section 1681c ( a ) ( 1 ) : The restriction on reporting bankruptcies older than 10 years from the date of filing.

FCRA Section 1681e ( b ) : The requirement that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information in credit reports.

Given that the court does not report this information and that the address is incorrect, this entry is inaccurate and must be deleted. Continuing to report false or unverifiable information is a direct violation of my rights under the FCRA. 

Requested Action : I respectfully request that you take the following actions without delay : Immediately delete the bankruptcy entry with reference number XXXX from my credit report. 
Remove the incorrect address ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) from my report. 
Notify me of the outcome of your investigation as required by law. 
Failure to comply with this request could result in further action under FCRA provisions. I trust that you will address this issue promptly and ensure that my credit report accurately reflects my financial history. 

Please provide written confirmation once the inaccurate information has been removed.
Product: Mortgage

My father took out a reverse mortgage in XXXX of XXXX. He passed away in XXXX, XXXX. Since my father passed away, my mother 's health has declined and I had to move her in with me at the end of XXXX so I could take care of her. Her health would not allow for her to remain in the home by herself. Once we moved all of their things out of the house, we put it up for sale. I requested a payoff from Carrington Mortgage at the end of XXXX and they would not send it. We had a contract on the house so I forwarded the information over to the title company for them to pursue a payoff, then the contract fell through and we had to relist the house. On XX/XX/XXXX, I received a demand letter from Carrington Mortgage calling the note due to the home being vacant. The letter states that the balance must be paid by XX/XX/XXXX. My parents never took a draw on the reverse mortgage the balance was only around $ XXXX. The demand letter states that the balance as of a certain date was roughly $ XXXX. I faxed over the letter of intent provided with the demand letter noting that the house was for sale and provided the listing agreement and MLS as requested on the letter. I then requested another payoff via email, to which they have come up with every excuse not to provide. I called them on XX/XX/XXXX and spoke to XXXX who was very rude and told me that he couldn't provide any information to me as I wasn't an authorized user on the account. I informed him that I had Power of Attorney over my mother. He told me I would have to submit the POA for review and it would take 10 days for them to review it. I told him that we didn't have 10 days as they have called the note due by XX/XX/XXXX and that I had already provided a signed authorization from my mother. He still refused to give me any information. I submitted the POA and I called back on XX/XX/XXXX and spoke with XXXX who was a little more helpful. He did acknowledge receipt of the faxed information and tried to explain why the balance was so high, but still wasn't able to provide me with a detailed payoff. 

I feel like Carrington Mortgage is trying to take advantage of the situation as there over $ XXXX in equity on the property and they stand to make a lot of money if they foreclose on the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One refuse to remove a late payment due to there fault. About XX/XX/2017, Florida was face with Hurricane Irma. I was with out power for 10 days in state of emergency after the storm. Once I got power back up and running, I checked my email and settled all my accounts. Capital One failed to send a statement via mail or electronically. I notify them once I saw my statement the following month, which I had received a 30 day late note. I ask them to remove the late payment, I ask them for proof of sending the statement electronically or via regular mail. They refused. An associate stated to me that they are not responsible for mail service.
Product: Credit card

To whom it may concern, This is XXXX XXXX XXXX. I had a transaction made on XX/XX/2023 at XXXX XXXX furniture in XXXXXXXX XXXX. Due to dishonest and scamming of XXXX XXXX furniture, I have filed the dispute with Chase which is the credit card company I use. The dispute was filed in XXXX but it got re-billed under my credit card again. I wrote a letter to appeal for myself but it got denied which is not acceptable and unfair. 

On XX/XX/2023, I walked into the store to look for a set of sofa. After a long search in the store, I found XXXX that would fit my house. I asked the store manager about the warranty, and he told me they dont provide warranties because they are confident about their products. He also mentioned they are very responsible and will take care of my needs. 
Upon payment, they had me sign a piece of paper which I thought it was a receipt for confining delivery address and purchase amount. Later-on on the delivery date, I realized how bad their quality is and I requested XXXX replacements but I kept receiving either broken sofa or stains on the sofa ( I have all the pictures as evidence ) then I requested a refund. XXXX XXXX XXXX  told me they do not refund and it is written on the paper which they had me sign but never went through details with me trying to cheat me. If I knew this in the beginning, I would not purchase anything at XXXX XXXX XXXX. They were trying to hide those unfair policy. 
I have given XXXX XXXX XXXX  chances to make things right, but they refused to communicate. The manager and salesperson have been very rude and uncouth to me. My wife and I are very disappointed on their service and quality of product. 
Also, during the delivery, they scratched my wood floor and they refused to be responsible for it. Their policy is to try to cheat and take advantage of customers. It is unacceptable. 

The store is a fraud and scam to take advantage of customers and I was XXXX of their victims. That's why I decided to do a dispute through the credit card company which is Chase. Chase rejected my dispute for no reason and refused my appeal. It is not fair to me as a customer using credit card to pay because I trusted Chase would protect their customers. Chase is helping stores cheating customers. 
I am filing this to fight for my rights. No one should be treated like this.
Product: Student loan

I received a letter from Pioneer/XXXXXXXX  about a delinquent school loan that was owned by XXXX. 

I recently reached out to XXXX about 2 loans that are being reported on my credit report. 

These loans are being reported as late/delinquent as of XX/XX/XXXX in the amount of {$28000.00} and {$36000.00} with a loan open date of XX/XX/XXXX. 

I received a call from XXXX @ XXXX XXXX on XX/XX/XXXX at XXXX. XXXX stated they received my request for debt validation and proof of legal ownership to collect on a debt. 
XXXX informed me that they only keep statements/documents for up to a year and at this time they dont have any statements or paperwork to send me. 

XXXX informed me that I do not owe them anything and my account has been transferred to Pioneer/XXXX as of XX/XX/XXXX. I informed XXXX that XXXX is still reporting on my credit as of XX/XX/XXXX. XXXX stated that XXXX is no longer reporting and to send him a copy of my Credit Report. I informed him I provided XXXX a copy on my last CFPB complaint. XXXX stated XXXX credit department will handle that and there is no one I could be transferred to in that Department. 

Going back to Pioneer I recently received a letter stating they are trying to collect on a delinquent student loan debt. Pioneer mailed this letter to a old address in XXXX Michigan. The letter contained no Date. The letter stated they are trying to collect on a debt on the Full amount of {$130000.00}. I have no idea why I owe this debt. 
I sent Pioneer a debt validation letter on XX/XX/XXXX informing them I am requesting a detailed statement of this debt and interest I owe a legal standing to collect this debt by showing me : 1. Your lawful authority to collect without my consent or 2. A copy of the original contract between myself and the original creditor where I agreed to the assignment of the debt ; with my ink signature. 

I am very confused to why XXXX is reporting one debt to the Credit bureaus when they informed me they dont have any paperwork to why I owe them a debt but then they are able to validate with the Credit bureaus that I owe them a debt they dont own. 

I believe that XXXX has sold/given my information to Pioneer since they couldnt supply a validation of debt. Pioneer has stated calling me to collect on a delinquent debt that I know nothing about. No one want to provide me with any correct information. 

I am unable to find suitable employment because of this credit blemish. I am unable to obtain credit because of this credit blemish.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : 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 personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX, a collection account from XXXX XXXX XXXX account number XXXX with a balance of {$720.00}, XXXX XXXX hard inquiry requested on XX/XX/XXXX, XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, the Two XXXXXXXX XXXX XXXX  accounts that are reporting are fraudulent. Please remove them. I noticed that Experian said it was verified. But the Creditor never sent out any letters to me over 120 days or more. I have called them and never got a valid answer stating that the debt is valid. This is fraud! I feel threaten for my life! 

CONSUMER RIGHT LAWS In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

On XXXX, XXXX, I opened a Citi regular checking account because Citi offered {$450.00} welcome bonus. I funded the account on XXXX, XXXX ( {$3000.00} ) and XXXX, XXXX ( {$4000.00} ) from my checking account at XXXX XXXX  XXXX to fulfill the requirements to receive the welcome bonus. On XXXX XXXX, I did receive the {$450.00} in my account, and then I tried to transfer {$7000.00} back to the same checking account at XXXX  XXXX XXXX. Citi first sent me a letter asking me to verify the recent activity and blocked my access to my online account. I went to the branch on XX/XX/XXXX, and was told that Citi would close my account. Both of my {$7000.00} and {$450.00} welcome bonus were withheld by City Bank. I asked about the reason why closing my account, and the expected timeline for receiving the money. Citi Bank refused to disclose any information.
Product: Mortgage

As a first time home-buyer, I purchased a house, about 15 years ago, that I was renting. As a young single mother, I was unaware of the home buying process and was a great target for a predatory loan. All of the purchasing processes were handled by the homeowner. She was a realtor and she assured me that the company she was using was one she had used in the past.

The original lender was XXXX XXXX XXXX and it was a variable mortgage, whereas the interest was not suppose to exceed 6 %. Since then the mortgage was sold to another company, Select Portfolio Servicing, and the interest rate has exceeded the 6 %. I have attempted to pay more towards my principal and specifically instructed the funds to go to my principal. When I received my statement, the funds were applied to some erroneous late fees that XXXX XXXX XXXX stated were owed before the mortgage was sold to SPS. In reviewing my 1098 from SPS, I was appalled to see that I have paid {$4400.00} to interest and {$810.00} to principal. In addition, I received a 1098 from XXXX XXXX XXXX stating I, also, paid interest to them in 2019 ( {$750.00} ).XXXXI believe this sort of loan and practice should be reviewed and reversed as it has robbed me, and others like me, the real opportunity of ever actually owning a home. I have struggled over these 15 years to pay my mortgage believing I was moving closer to actually owning it and passing it down to my children. This appears to be a false reality that has been nothing less than a major scam and profit for these mortgage companies.
Product: Checking or savings account

Someone broke in to my XXXX account. There were XXXX different charges that I didnt recognized. I called my bank which is JP Morgan Chase to let them know they were not my charges. They put the money back into my account on XX/XX/XXXX. I went into my checking account on XX/XX/XXXX and saw that they took the money back with no explanation. I personally went to the bank that day to inquire as to why they took the money back. They told me that I had bought from this place before I recall they said it was XXXX it was called XXXX. I said I have no dealings with that company. They gave me that money back and told me to go over all my charges from the beginning of XXXX. I did and that charge and the XXXX other charges which are the following were not my charges XX/XX/XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX If I bought off this company why is there XXXX different names. I have never received any merchandise from the above nor do I know who they are. I think it is disgraceful the way people get away with stuff and the bank cant help you. I called the bank again a few days later and told them I want to open the incident up again since then I have not heard or gotten a letter from them. 
XXXX also put a hold on my account for suspicious activity.
Product: Debt collection

R.A. Rogers , Inc. is attempting to collect {$1100.00} in alleged overdraft charges from an XXXX XXXX XXXX XXXX account. This collection is improper for two fundamental reasons. First, I never consented to or authorized any overdraft credit line services purportedly generating these charges. Second, despite receiving my formal validation request via certified mail ( XXXX ), R.A. Rogers has failed to provide any documentation demonstrating my authorization for these services. 

Their XX/XX/year>, response to my initial CFPB complaint ( # XXXX ) claimed validation documents were mailed. However, they subsequently provided only internal account statements, conspicuously lacking any agreement or documentation showing my consent to overdraft services. Without proof of authorization for the underlying credit services, they lack the legal foundation to pursue this collection.
Product: Debt collection

Ocwen Loan Service and I are in arrangements to take care of a back payment I owe on mortgages attached to my mother 's estate. As the executor I make arrangements at certain times of the month to pay portions off in hopes of remaining current. 

Despite me making these arrangements, I get back to back calls while at work on my cell phone WHICH I ALSO USE FOR MY LINE OF WORK! These calls come sometime just days AFTER I paid a portion of this debt. OCWEN KNOWS my next payment date may be weeks off or even the next month! 

Last week I instructed them NOT to call at work. I gave them an after hours time frame ( which they can easily accommodate ) if they must to reach out ( the money wo n't arrive ANY sooner but hey ... ) The rep at Ocwen looked down at a series of notes and acknowledged that they were calling before the next payment cycle. Therefore making it a lost cause because there are n't any funds until that scheduled day. This morning at work I get XXXX back to back calls and a voicemail. OCWEN KNOWS my next payment is on XXXX but I will probably get about XXXX or XXXX calls ALL DURING MY WORK HOURS!!! All they have to do is look at the notes and NOT call. They WILL get their MONEY!!!
Product: Credit reporting or other personal consumer reports

hard inquiry on my Trans Union credit report on XX/XX/year>, from XXXX  XXXX  credit card.