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

My account with Chime was closed almost 3 months ago. I was never notified but noticed when I tried to log in to my account. I then contacted them via email and was told. I inquired about my funds in the account and was told that I would get them mailed out in 2 weeks and receive them in 4 weeks ( this is only after I asked ). After a month and no check, I emailed them again and they said they would send me a check, as if my account had just closed and I had never spoken to them. weeks go by and no check. I call them and finally 2 weeks later I get a check for {$150.00} which is the amount that was in my checking account, but not the {$500.00} plus that I had deposited into my credit builder pre paid debit card, and {$9.00} in a savings account. I called again and was first told that I had no further funds with them, and then spoke to a supervisor, who said he was expediting the check and I would have it in 3-5 business days, That was 9 business days ago. I called again today and after 1.5 hours on the phone with multiple people including 3 supervisors, nobody could tell me why my check was never sent out, only that it wasn't, and only the very last person would finally agree to mail it out to me. It was absolutely like pulling teeth and stressful. I mentioned this case multiple times to them also- the final supervisor who agreed to send the check was the only one who seemed familiar with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not confident that you have accurately fulfilled the guidelines of the Fair credit reporting Act in executing your Investigation. I did not file for bankruptcy. This is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 

XXXX XXXX XXXX  Filing Date XX/XX/2016 Docket XXXX
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX on XX/XX/XXXX. My loan was processed through Ally. My first year I had no problems. By. XX/XX/XXXX I needed a deferment. XX/XX/XXXX I was deemed 100 % unemployable by the Veteran Affairs. This caused a decrease in my finances. All of a sudden I started getting calls for my nephew XXXX XXXX..then when I called XXXX XXXX was also attaced to my account. I spoke to a rep and she said I had two accounts, yet XXXX was suppose to be mine. We continued discussion the account and we both were very confused. She told me her supervisor was out. Well several days later I called back..this time the supervisor can't remember his name..XXXX..he got real mad with me..actually he was XXXX. He hung up on me and the next morning the car was gone. I called Ally and all they would tell me was how much I had to pay to get it bqck. I went to XXXX XXXX XXXX for help. I paid 2600 plus dollars. I called to see where my car was and they told me I also had to pay for XXXX because my payments are due on the XXXX and I paid on the XXXX. I went and sent what they told me I had to do for XXXX or I couldnt get my car. When I got it it was muddy inside and out..money and dvd player movies amd music missing..as I started driving there was a loud noise. Turned out that one of my tires tread was stripped. Days later I went to check to make sure my account was current. It showed I owed for XXXX. I called, rep told me I hadnt paid for XXXX..I told her how I got my car back..she said I didnt pay enough to cover XXXX. I asked for an english speaking rep..she told me they will tell you the same thing and hung up. This just made me think even more that Ally had 2 different set of people cheating me. I did an online chat and was told I was current and it will be fixed within 24 hours. It was. Then a female called me stating she was in charge of my account..I told her this cant be..I dont want my car taken again. She said none should have repoed your car. Another red flag. She told me to pay 400 plus on line ... the next day I got a lettersaying to send a check. Confused yet again. I sent a l3ttef to Ally and XXXX XXXX called me about my concerns. He told me there was an error and he was going to see if A payment could be added to my account ... then he told me no. I asked him wbout the XXXX that the nasty guy told me that it wasnt expected so they applied it to principal. However XXXX told me the money was from a case I won from cfbp and. the department of justice.RED FLAG. He said the case was closed but he was going to look into it and call me back. For weeks I called him and he never answered. Then I got a copy of a letter Id never seen. Everytime I call or write them about an issue EVERYONE HAS A DIFFERENT LIE. IM suffering enough as it is with my health for them to be making it worse because Im up all night looking out the window to see if the car is gone. Mrs. XXXX at XXXX on XXXX XXXX worked my case and has proof of the inconsistencies with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXXXXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$850.00}
Product: Mortgage

When I closed on my new townhome on XX/XX/XXXX, I was told that the mortgage payment would be {$2000.00} which included the escrow payment. I was told that the escrow payment would be {$43.00} and that that was an estimated amount provided by DR Horton for the next year. This was nothing new to me as I have owned a few other homes previously and understood the role of an escrow account. 

Well, come XX/XX/XXXX, I receive a notice from my mortgage company about an escrow shortage. Again, nothing that I am not already familiar with as you usually have to pay a little to make up the small difference or get a return ( or roll/distribute it into your next year 's payments ). However, I was shocked to see how big of a deficit it was ( {$2800.00} )! The new escrow estimate for the next year was {$220.00} + the shortage making my mortgage payment to {$2400.00} per month! 

I called the XXXX XXXX XXXX XXXX and asked him if the property taxes were correct as that seemed to be where the deficit came from. He explained to me that DR Horton did not do as they are supposed to and that they see this with builders often to help people qualify for homes. The builder , DR Horton, was supposed to call the assessor 's office prior to closing on the mortgage to get an estimate with the home build on the property and add that as the estimate for the property taxes in the escrow. He said that instead they went off of the property taxes that they paid for the LAND ONLY the previous year. Of course, the land vs land and a home built on it would be a big difference in property taxes. Due to this, I have struggled to pay my mortgage payment and it has caused unnecessary stress in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I just checked again my XXXX and Equifax credit reports and I can see accounts reporting inaccurately. You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see attached file below
Product: Money transfer, virtual currency, or money service

Cash App operated by Square Inc. 
Have $ 1000-1500 in digital wallet that they wont provide access to or return to the account holders address on file. 

I just had $ 1000-1500 in account that they couldnt merge and I forgot passcode to the app. Their help desk was able to identify the old account, disable the Cash App debit card # which I have on a merchant receipt ( I lost the card ). But Cash App will not return the funds remaining on account, range of $ XXXX {$1500.00} and will not provide a resolution path to regain access to funds or issue return of funds. They told me via help desk email sorry, feel free to fund a new account, but you cant access the old one. I sent a notarized certified demand letter to return funds to the owner on file on account to Square inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Attn : CEO/Legal Officer in XXXX XXXX on XX/XX/2019, and am waiting to see what the reply is. Ill join as a plaintiffs in class action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry on my credit report from chase JPMCB on XX/XX/2023. I've contacted them in regards to the inquiry that I never authorized. I've also reached out to XXXX to remove this unauthorized inquiry with no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have NEVER authorized, nor signed ANY document authorizing Credit Technologies Inc. to contact ANY credit bureaus to pull my credit report, and they have clearly profoundly violated FCRA in taking it upon themselves to exalt institutional racism that exist on a corporate level without any signed documentation from me XXXX XXXX XXXX XXXX.
Product: Debt collection

I got behind on paying MoneyLion and so my wife took over, and settled my balance with moneylion to close and remove, but instead they kept it open, sent it to collections, and is refusing to take payment to get rid of it once again without opening a bank account with their company, just to end up in the same situation with said new account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX was opened in XX/XX/XXXX and closed around XX/XX/XXXX. This account has been paid in full but it is still being reported to my credit. This account should have been deleted from my credit profile. 



Account Number : XXXX
Product: Debt collection

Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX violated federal law, by not properly investigating within the required time frame, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will now result in a small claims action against your company. 
XXXX XXXX account was discharged in Chapter XXXX. 
Date filed XX/XX/2017. XXXX XXXX XXXX XXXX. Debtor ( s ) was dismissed XX/XX/2017 In which your company is well aware of. As to date you have tried to collect a debt
Product: Credit reporting or other personal consumer reports

I paid off 2 of my accts with XXXX  XXXX. I was told if i do so i can get an auto loan because i wont owe them anything. I paid on 2 closed accts XXXX and was declined auto. When asked why it was because i owed them money. But i was told it wouldnt be held against me
Product: Credit reporting or other personal consumer reports

I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to assure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent Inquiries be deleted from my credit report immediately. Please remove it from my credit report or XXXX seeking litigation please delete. 

XXXX. I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Bank Name : XXXX XXXX Date of inquiry : XX/XX/year> XXXX. I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Bank Name : XXXX XXXX Date of Inquiry : XX/XX/year> 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

Privacy and confidentiality under 15 U.S.C. 1681  XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX ( ALL THREE HAVE INCOMPLETE ACCOUNT NUMBERS ) ..... 


15 U.S.C 1681 section 602 A States I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 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 conviction of crimes which ante date 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: Student loan

The school ( XXXX University XXXX XXXX XXXX XXXX XXXX was advertised as having competitive tuition compared to in-state schools despite being exponentially more in cost. Employees of this school operated as counselors to school me in opening up these loans with large sums and large interest rates, while they had minimal to no knowledge about loans and repayment and financial advisement. I even transferred to an in-state school and since XXXX, my loans with said school are larger with a higher dollar amount compared to my in-state college loans. One year at XXXX University is exponentially more expensive than 3 years at my in-state university. This has hindered me from being able to live comfortably, buy my own house and get approved for a mortgage, which has negatively impacted my overall quality of life.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process.The Transunion Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXXXXXX 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: Debt collection

Company or their collection wing threatened to contact my employer. XXXX indicates that they are threatening to call my employer to tell them that I own this debt. Additionally, it unlikely I owe this debt but no verification has been provided by the company. Likely just scare tactics to try to conjole money out of some one but it should noted and logged. Here are some details : From : XXXX CC : XXXX Law firm mentioned : XXXX XXXX XXXX XXXX   Signed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached the email.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ). 
the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to Hum

an Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -..- 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Payday loan, title loan, or personal loan

This account went delinquent, and was charged off. However, the company, Heights Finance, obtained the services of an attorney. I paid the attorney in full. The account continues to show a charge off/continuing delinquency with an ongoing status. it should be paid, closed with a XXXX  balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX and XXXX, XXXX. XXXX. Please remove these accounts ASAP.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 XXXXXX/XX/XXXX
Product: Debt collection

My Name : XXXX XXXX My Social Security Number : XXXX My Date of Birth : 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 XXXX 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 An installment loan opened at XXXX XXXX  ( XXXX account number ), date opened : XX/XX/XXXX. An auto loan account opened at XXXX XXXX XXXX XXXX  ( XXXX  account number ) date opened : XX/XX/XXXX ). 
A credit card opened with XXXX XXXX XXXX XXXX XXXX account number ), date Opened : XX/XX/XXXX. A collections account listed with a company XXXX XXXX XXXX  account number ) date opened : XX/XX/XXXX that appears related to the aforementioned personal loan account opened at XXXX XXXX. A collections account listed with company XXXX XXXX XXXX ( XXXX  account number ) Date openedXXXX that appears related to the aforementioned credit card account. 
These 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 ) and ( 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 card

Back in late XXXX of XXXX  through the end of XXXX XXXX I lost my entire wallet in XXXX XXXX XXXX XXXX XXXX XXXX  ) I cancelled all my cards and ended up getting my wallet back nearly a month later. During that timeframe I was hospitalized and due to this was unable to work and made no money for several months. This company was informed of this situation. Long story short I got back up on my feet working again and making money paid my balance down etc, only to find out that they closed my account. I feel the closure was unjust as XXXX. ) I was never notified in writing 30 days prior to any closure, nor was I offered any solutions to keep the account active. 

I have requested to them that they reinstate the account so I can continue to both pay off and utilize my account. If they refuse, I feel the small balance remaining should be forgiven due to their improper process of account closure and violation of my rights as a consumer for being provided adequate solutions to make right on the account.
Product: Consumer Loan

Per previous cases Mariner financial agree to send me the insurance forme and stated once they received the form they will updated the credit files and removed the negative information. And they have n't I request this information to be removed permanently from my credit file as I have complain with Mariner Financial.