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

XX/XX/year> Account was closed by Chime ( company refused to tell me this date, i found this myself on app ) XX/XX/year> I had trouble accessing my account and reached out to customer service XX/XX/year> I was informed my account was closed due to inactivity The account closure email from Chime read : " Your account was closed due to an extended period of inactivity. Your account balance at the time of scheduled closure was {$10.00} in accordance with C.10 of your deposit agreement. Per state & federal guidelines, these funds will be transferred to the state on the date of closure for safekeeping. You may apply to retrieve these funds by going to your states unclaimed property website to claim the escheated funds. '' In response, I went to my state 's unclaimed funds website and when I couldn't find my funds, I filed a claim. My state said that they had not received any funds from Chime bank, and instructed me to gather additional information from Chime bank- which Chime bank was unable to provide, despite their written email informing me of the policy and claiming it had already been done, support told me they can not provide me with the information, as the funds were never transferred to the state. I was told that instead a check was sent to my home address, which I have never received, still to this day, months later. 


I've called multiple times to check on the status of the check, where each time I was told either, " The check hasn't been sent yet, I will make sure we send it out for you now '', or that the check has already been sent. It seems Chime has no intention of returning my money to me. 


I have spent a lot of time on the phone and emailing customer service, and almost a year later Chime has still not returned the money I had in my account at the time they closed it. Subsequent calls to Chime result in hours-long endeavors, being transferred to multiple departments, holding for upwards of 40 minutes only to be told no one can help me, being hung up on, and also being assured the check has been sent. I have spoken to supervisors, the " back office '', and general customer support, with no restitution or explanation. 


Chime 's email support seems to be unmonitored, asking a simple request results in going in circles, all of which could be avoided if a real person was reading and responding to emails to support. 


Overall, I have still never received this account closure check, and trying to get this resolved through Chime customer support has proven to be an elusive task.
Product: Payday loan, title loan, or personal loan

I have had so many issues with Citibank. I recently paid off a personal loan ( {$2500.00} dollars ) with Citibank, and sent multiple letters to the loan department to obtain a paid in full statement. Citibank has refused to provide this letter. It has been over a month now, and I am still waiting for them to present me with this documentation.
Product: Debt collection

Merchants & Professional Credit Bureau has been reporting a fraudulent collection on my credit reports in the amount of {$92.00}. 
I only found out about this collection from reviewing my credit reports. Merchants & Professional Credit Bureau continues to verify with the credit reporting agencies and they refuse to respond to my letters. I have recently filed complaints with the FTC, the TX Attorney General and the BBB. 
The account number listed on my XXXX report is XXXX. The last XXXX numbers have XXXX so the entire account number is not listed. I included copies of my dispute letters and credit reports to the TX Attorney General. 

I also plan to file complaints against Merchants & Professional Credit Bureau for ethics violations with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXX ). 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Debt collection

I paid {$90.00} to Franklin collection services, inc. via the pay online feature of their website. Since Id never received mail from them, I did not have an account with them. In the account field, I put my SSN. Franklin saying they have no record of my payment because I did n't use an account number
Product: Debt collection

RECEIV RECOV is claiming that I owe them {$100.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company called XXXX is reporting an account, XXXX, on behalf of XXXX XXXX XXXX XXXX on my transunion credit report. 
This account is NOT mine and is being reported fraudulently and unlawfully. 
I am a victim of identity theft with this account.
Product: Credit reporting or other personal consumer reports

Im a victime of identity fraud my information was used back in XX/XX/XXXXfor fake fraudulent check I also have loans and a credit open on my name that I have no record of Im also unable to get a bank account due to all of the fraudulent activity
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX Federal Trade Commission Consumer Response Center XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Dear Sir or Madam, I am writing to formally lodge a complaint against TransUnion regarding a significant error in my credit report that have not been resolved despite my efforts to address them directly with the company. 

**Details of the Complaint : ** XXXX. **First Progress Bank Card Account ending in 5781.Information : ** - XXXX XXXX  XXXX - Birth Date XX/XX/XXXX XXXX. **Description I have identified an inaccuracy in my credit report obtained from TransUnion XXXX including the wrong balance information. I will upload a screenshot of my credit cards current balance, and available credit. Current balance $ XXXX, and Available credit is {$200.00}. I have contacted TransUnion on several occasions to dispute this inaccuracy, but it remaina uncorrected. 

XXXX. **Resolution Sought : ** I request that the FTC investigate these practices by TransUnion XXXX I believe that their failure to address this inaccuracy violates consumer protection laws. 

Thank you for your attention to this matter. I look forward to your response and any assistance you can provide. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

MCM and I agreed to settle a debt by my paying XXXX installments of {$130.00} each. I made the first payment on XXXX/XXXX/15. MCM then sent me a statement dated XXXX/XXXX/15 that reported no application of my payment. The balance remained the same. I then had several phone calls with MCM to find out what happened to my {$130.00}. I was told that there was no record of said payment. I was told that a a manager would call me, but never received such call. I was also connected to a phone system that hung up on me. 
MCM last contacted me via a statement that was sent to an address at which no one in my family has ever resided. The statement is dated XXXX/XXXX/15 and contains a totally false account balance. However, it did disclose what happened to my {$130.00}. The XXXX/XXXX/15 balance is precisely {$130.00} greater than the XXXX/XXXX/15 statement balance. Incredibly, MCM increased the balance by the payment I made!
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$250.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is just a continuous problem that they refuse to acknowledge or do anything about. 

1. XXXX XXXX XXXX should be removed but continues to show on my " real '' credit report. 

2. XXXX XXXX XXXX also continues to remain on my " real '' credit report. 

Those addresses are very outdated. They added the correct addresses but failed to remove the outdated ones. 

3. XXXX XXXX XXXX I'm not associated with any longer, needs to be removed. 

4. XXXX  I'm also no longer associated with and haven't been for years, also should be removed.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX CAPITAL ONE XXXX ... XXXX XXXX XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be XXXX % accurate as there are open dates they have listed on my credit report varies between the XXXX bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX Balance {$1400.00} ; XXXX, XXXX XXXX XXXX : {$0.00} ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX  ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

I received a phone call from Shellpoint Mortgage the number is XXXX at XXXX XXXX on XX/XX/year>. a message was left on my phone from XXXX that states this message is for XXXX this is XXXX from shell point mortgage with my address stating that my mortgage s in default. he states that they are giving me notice of foreclosure or we can do a loan modification. I want you to give me an urgent call back at my direct line number which is XXXX and he repeated the number. and states that he will be waiting for my call. I called the number back and spoke with XXXX at which point he said that I had to send {$1500.00} by XXXX XX/XX/year> to keep from going into foreclosure. i stated that I had been making payment of {$500.00} every 2 weeks to catch up the month that I was behind and he said they were sending that back to me and that if i didn't send the XXXX by XXXX that my house would be sold on XX/XX/XXXX or XXXX XXXX this conversation lasted almost an hour, so obviously I was beyond shaken up. at the end of the conversation he said that he was going to get with the legal team and see if they can transfer the money that they are sending back to me and put it on my mortgage so they can reverse the foreclosure, however, i can only talk to him from now on and nobody else could ever help me again. 
I was told to call him back this morning at 9 at the XXXX to get an update on the status of this. 
what I would like to make perfectly clear is that shell point is not my mortgage servicer. I spoke with XXXX who is the servicer of my mortgage and they had no idea what was going on but stated that this is a scam and that i needed to report it because my home is not in foreclosure and that everything is good. they states that this same company had done this to a lot of other people and some even signed over their houses.
Product: Credit reporting or other personal consumer reports

My identity was compromised because of the XXXX  data breach and the millions of Americans who identity was stolen from the XXXX data base account XXXX XXXX XXXX XXXX XXXX XXXX  THESE ARE ALL COMPROMISED ACCOUNTS. THESE ACCOUNTS ARE NOT MINES THEY HAVE BEEN CAUSING MY LIFE STRESS AND VERY PAINFUL TO BARE, THIS IS ILLEGALY AND I SHOULD NOT BE LIABLE FOR THESE ACCOUNTS
Product: Checking or savings account

I have used Venmo for my sons Social Security check every month for the last year starting in XX/XX/XXXX. I have never had an issue until XXXX  XXXX XXXX. On XX/XX/XXXX I received my tax return from XXXX ( {$1200.00} ) and I also received the deposit from Social Security Disability ( {$640.00} ) for my XXXX  child. I used my XXXX  card a few times on XX/XX/XXXX at the normal places I shop at regularly, I sent my ex {$500.00} from the taxes per our agreement and when I woke up Tuesday XX/XX/XXXX I was informed that XXXX froze my account that has a balance of {$1300.00}. I was informed via email from XXXX  Support that I needed to submit a bank account with my name on it. I informed the support member that I currently do not have an active bank account due to my ex and I separating due to XXXX XXXX. I submitted pictures of myself holding my Pennsylvania State issued Identification Card ( front and back ), pictures of my social security deposits for the same amount every month, pictures of the tax return filed this year with my name/the last XXXX digits of my social security card as well my XXXX Routing and Account number listed on the taxes. I feel like I have gone above and beyond to prove that I am who I say I am.
Product: Vehicle loan or lease

Americas car mart continues to call more than 3 times a day, leaving multiple messages. Notes were given that I could not make it in due to work. And calls continue. 

The main collector at the XXXX location XXXX, is rude and spiteful, sometimes laughing at others misfortunes. She has repeatedly stated she does not care how many times she calls per day.
Product: Credit card

The individual alleges that Capital One violated their rights under the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information to credit bureaus without proper consent. They highlight several key violations : Violation of Privacy Rights : The individual claims their credit report, as non-public personal information, should be protected, and Capital One failed to disclose their right to rescission. 

Failure to Obtain Consent : Capital One allegedly reported information without the written consent of the consumer, as required by FCRA Section 604. 

Misrepresentation of Credit Payments : They argue that Capital One misrepresented credit payments, potentially committing security fraud. 

Willful Violation of FCRA : The individual warns that any continuation of negative reporting would constitute a willful violation of the FCRA, demanding accurate reporting and correction of their credit report. 

Legal Action Threat : They threaten legal action if Capital One fails to comply with their demands and request the transfer of funds to their Treasury Direct Account within three days. 

The individual asserts that their application is being traded as a security without their authorization. They emphasize that they have unequivocally revoked any consent for such trading activities. This unauthorized trading of their application is a grave violation of their rights and demands immediate cessation. 

Moreover, the individual cites specific sections of the U.S. Code to support their claims : 15 U.S. Code 1666b : Creditors are prohibited from treating payments on credit card accounts as late under an open-end consumer credit plan.

15 U.S. Code 1666d : If a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction, the creditor must refund any remaining balance upon the consumer 's request. This refund should be made in good faith, and can be provided via cash, check, or money order.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had = investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX acct XXXX has violated my rights. 
15 USC1681 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't 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: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX WASHINGTON , DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MD XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$260.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$1000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$2900.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Complaint Details : I am filing a complaint against XXXX for continuing to report my student loan debt inaccurately despite receiving a Copy

B of a 1099-C, which indicates the debt should be considered canceled and reported as paid in full. Key Points : 1. Incorrect Reporting of Student Loan Status : I received a Copy B of a 1099-C f
rom XXXX, indicating the cancellation of my student loan debt. Despite this, XXXX continues to report this debt on my credit report as active and unpaid, which is inaccurate and violates my rights under the Fair Credit Reporting Act ( FCRA ). 
2. Violation of Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies. XXXX has failed to ensure that the information they are reporting is accurate and complete. 
15 U.S.C. 1681c : Requirements relating to information contained in consumer reports. Reporting of canceled debts must be updated to reflect the accurate status. 
XXXX. Neglect of Consumer Rights : XXXX ignored my formal request to correct the reporting of my student loan status, which constitutes a violation of my consumer rights under the FCRA and the Electronic Funds Transfer Act ( EFTA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed 3 collection agencies on my report on XX/XX/2021. XXXX, XXXX XXXX, and XXXX XXXX XXXX. Debt was not verified by XXXX and XXXX and was removed.
Product: Checking or savings account

schwab bank online schwab.com unavailable XX/XX/year> all morning. and not answering the phones. unable to access/move money. unacceptable. 

the response from schwab via cfpb did not address my concern in any way.

I wrote about a system outage affecting my access to schwab bank. the response addressed electronic trading and disclosures I signed off on for a brokerage account? 

and said nothing about why it happened and what they are doing to prevent future occurrence. 

this is unacceptable. 

previous un-addressed complaint XXXX