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

My sister was sending money ( {$500.00} ) through chime. I created an account like the request said to do on XX/XX/XXXX at XXXX MST. Chime closed the account on XX/XX/XXXX XXXX XXXX MST. There was no way to access the funds after the account was created since I needed a debit card since I did not receive one until after XX/XX/XXXX. When I called Chime to try and resolve the issue I was told multiple time that the account was closed due to violation of terms and policy. 
When I ask for more information about what term or policy was violated they just say the same thing. When I asked for a check or some way to access the funds they said it did not qualify for a return or rebate for the funds. I asked to speak to higher people and they said they would say the same
Product: Debt collection

AFNI Inc is attempting to collect a debt on me which I do not owe. I have sent them a notarized affidavit of denial on the XX/XX/XXXX this year. They have not responded to my notarized affidavit which I sent to them by way of certified mail in response to their claim. I have filed an identity theft report as well in efforts to have this account removed. Nothing has worked and they have not sent me anything in the mail stating their position on their claim against me. This company is affecting my credit score tremendously with this fraudulent account. Please contact AFNI on my behalf so that they may properly conduct business and remove this fraudulent account from my credit file. Best wishes
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a part of the Equifax data breach announced recently XXXX XXXX XXXX and am filing a complaint to ensure that proper action is taken on my, and others ' behalf.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern It has been brought to my attention that your company continues to ignore my requests for the removal of these late payments and inaccurate information still reporting on my credit report. 
The following late payments are reporting inaccurate and therefore need to be reinvestigated.

Inaccurate late payments and incorrect and incomplete information 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number # XXXX Update to Open/Never late 15 U.S. CODE 1692e - False or misleading representations XXXX  Account Number : XXXX Update to Open/Never late 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Account Number # XXXX Update to Open/Never late 15 U.S. CODE 1692e - False or misleading representations XXXX  Account Number : XXXX Update to Open/Never late
Product: Checking or savings account

This complaint is about SunTrust not wanting ti have as business relationship with me no longer which is fine, This is about SunTrust closing my accounts and then them placing a freeze on all of my account to where I can not have access to any money. 

The type of problem that I am having with SunTrust is that time hey have placed a freeze on, all of my bank accounts to where all of my money is in the SunTrust account and now I can not pay my bills and I'm going to loose my lively hood due to this bank illegally placing a freeze on my accounts. 

I have these individual or a corporation that's have been hacking into all of jy accounts my XXXX XXXX devices and all of my XXXX   machines these people will not leave me alone. So I'm to believe that this is them placing these charges on my account due to that I have Benn through 2 other backing institutions prior to me being with SunTrust but neither of the last 2 banking instituions did not place a freeze on none of those accounts. In which I'm to believe or I'm to know that this is illegal for them to do to me considering I have done nothing wrong? 

The companies complaint about me was that they will not tell me to why they have poached ed this freeze on my account nor will they tell me why they closed my accounts all they tell me is to read " there ' '' rules and regulations. I said what about our government rules and regulations. Theres over proceeds our government rules and regulations I'm under the assumption? They also have not sent me one single document stating anything about what is going with my banking institution with them nor the freeze on my account I had to find all this out by with me calling them??? 

The people that are involved ion to know that there is a XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX now? Due to these people compromising my life for the past 900 days and SunTrust of course as well in which they have denied all of my charge backs in which I DID NOTY CHARGE ANY OF THESE CHARGE BACKS ON MY BANK ACCOUNT. So now I'm the one being penalized from other 's doing to me what I would never wish done to None other???? 

I would greatly appreciate a answer ASAP due to that this is mine and my families lively hoods on the steak here. Please get back to me ASAP!! 

Sincerely XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX im a victim of identity theft..I was XXXX  the time this account was open I have all the supporting documents far as police report, verification of release from my probation and verification of release from police station ..I ask that these things be removed off my credit file they are causing pain and suffering I come home from jail and these things are effecting me ..I ask that these things be removed within a timely manner..I want to get this handled in a professional matter, this is a major lawsuit this is violating my rights and I will be forced to take legal actions please can we get this resolved without having to take the next step which is court I believe a family opened up this account because my documents came up missing while I was locked upthank you god bless
Product: Credit reporting or other personal consumer reports

First progress card Secured Cards has {$2000.00} hold on my accounts reported my account to XXXX and Experian after 30 days of non payment minimum due instead of waiting 90 days plus holding my {$2000.00} for security deposit. These people has. I shame because I explained this on a fax. The problem was I was overseasast 4 months and they charged me annual fee of {$29.00} when I was overseas for service. They never sent me any email about it as well so of course XXXX couldnt make the payment not knowing I owe them money. I made the maynent as soon as I came back from overseas plus with late fees. But THEY HAVE NO SHAME they destroyed my credit report even after 30 days of missed payment. All other credit cards wait for 90 days but these crooks didnt want to wait and they purposely destroy my credit score. I want them to IMMEDIATELY remove the credit report and compensate for the damages they caused me please Credit cards ending XXXX and XXXX They have a terrible system of making payment anyway. Customers dont have a way to make payment instantly but wait almost 2 weeks so i can send the money digitally from my own bank. Thats how they make their customers fail their payments otherwise they would had better and faster payment methods. Plus they holding XXXX {$1000.00} security deposit anyway so why would they report me after 30 days and I am overseas plus they never sent any email about the yearly fee {$29.00} because I never even use these terrible cards
Product: Debt collection

Dear CFPB I am filing this complaint due to issues with American Adjustment Bureau and how they continue to report these accounts on my credit files. I have disputed these accounts with all three of the credit bureaus and as you can see below after XXXX  and XXXX  reaching out to American Adjustment Bureau the results came back as deleted, but yet they continue to report these erroneous accounts on my XXXX  credit profile. Account # XXXX in the amount of {$150.00} has been reinserted by this same company even after XXXX  already completed their investigation and removed said account on XX/XX/2020. This is a complete violation of my rights as a consumer and is continues to cause a great strain on my physical and mental health as I am a XXXX person. I have requested from the original creditor proof of these so called debts they say I owe and all I got was a copy of a statement showing {$0.00} owed as a printed version and they inputted a WRITTEN amount on the bottom of the statement. They continue to fail to verify these debts are mine and I am requesting full immediate deletions of these accounts from my XXXX  and XXXX   credit profiles. 
Results : XXXX  Report Number : XXXX Date Generated : XX/XX/2020 AMERICAN ADJUSTMENT BU Account XXXX Deleted This item was removed from your credit report. Please review your report for the details. 

Results : XXXX Report Number : XXXX Date Generated : XX/XX/2020 AMERICAN ADJUSTMENT BU Account XXXX Deleted This item was removed from your credit report. Please review your report for the details. 
Account # XXXX Account # XXXX XXXX  CREDIT FILE : XX/XX/2020 Confirmation # XXXX The Results Of Our Reinvestigation >> We have researched the collection account. Account # XXXX The results are : This item has been deleted from the credit file. If you have additional questions about this item please contact : American Adjustment Bureau, XXXX XXXX XXXX, XXXX CT XXXX Phone : ( XXXX ) XXXX I was sent only 16 pages of statements on XX/XX/2020 all showing a XXXX balance and yet they continue to report these inaccurate and false accounts on my credit file and it has and continues to cause me great harm. As you can see from attached statements that there a fraudulent handwritten bogus collection amount on the bottom for {$720.00}.
Product: Credit reporting or other personal consumer reports

Experian did not properly investigate the 3 accounts I filed a dispute for.
Product: Credit card or prepaid card

Noticed credit card was not in wallet and immediately called chase to advise was adv credit was going to be given. After investigation states Im responsible for purchases. Purchases were made between XX/XX/XXXX and XX/XX/XXXX. Charges were unauthorized and I didnt give anyone permission to use my credit card information. However the claim was closed and state Im responsible
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed that XXXX XXXX is listed on it. However, I never applied for a XXXX XXXX credit card. This is a clear case of fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got a credit card bill the week of XX/XX/2022 and noticed that my credit score had dropped precipitously from the XXXX down to XXXX. I checked the credit reports and saw that XXXX XXXX Credit Card is marking my disputed {$430.00} in interest an non-payment. THEY HAVE NO RIGHT TO MARK ME AS DELINQUESNT WHEN I AM WORKING ON A DISPUTE WITH YOU. They must reverse this immediately. The CFPB is supposed to be a safe space when big corporations are taking advantage of consumers. This is yet another way XXXX XXXX is hurting its retail customers. They are unbelievable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX are all inaccurate I have never been in XXXX Arkansas in my life
Product: Mortgage

Why does Wells Fargo continue to charge account PMI when our equity is at 67 % ( XXXX / XXXX ) which is far below the XXXX percent requirement? I have sent WellsFargo the formal appraisal but they continue to charge us fees unduly. We have since invested XXXX to change all of the windows on the property. I am asked my lawyer to forward our request for review of this case to the Consumer Financial protection Bureau ( CFPB ). I am prepared to go to court to seek redress if need be. This is wrong and unacceptable. XXXX and XXXX XXXX
Product: Checking or savings account

On XX/XX/22, I addressed and signed a check for {$2000.00} to XXXX XXXX XXXX. I placed the check in an envelope and XXXX XXXX XXXX for mailing on XX/XX/22. The check was not received by the landscaping company but was cashed at a USAA branch on XX/XX/22 by someone other than the payee and without any payee signature or bank endorsement. I contacted my bank, XXXX, on XX/XX/22 and opened a claimed, completing a Declaration of Unauthorized Endorsement or Altered Item ; the intended payee signed the form on XX/XX/22. XXXX has contacted USAA several times but received no response. I also tried contacting USAA and spent several hours on the phone with different people there but they all said they couldn't help me. It has now been almost 1 year, and I have not received my stolen money back -- USAA has taken no responsibility despite cashing a check to someone who was not the payee and without a signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX. I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Product: Credit reporting or other personal consumer reports

I have provided TransUnion with the information that XXXXXXXX XXXX is reporting a false debt on my account. I provided the evidence to them. 

XXXX XXXX who was recently fined and under federal investigation claims I owe them money. 

My bank investigated the matter and I won the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Since 2015 two cards were opened at XXXX. A XXXX XXXX, and a XXXX XXXX XXXX. To add to this, a Total Checking account and Savings accounts were also opened Fraudulently. I have learned recently that these accounts were closed. A few months ago I attempted to open a checking account at XXXX XXXX. Only to learn that my Online Access had been flagged for Fraud, which I changed my password. I was then told I cant open an account as past accounts were closed. I was shocked to learn these accounts were opened in my name as I never opened any of these. My email addresses were also hacked. Which I have also corrected now. When contacting XXXX  about this matter they refuse to assist me. As a victim of identity theft this is a crisis. I want it resolved.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, I, Cash App failed to take timely and affective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic fund Transfer Act ( EFTA ) and Regulation. E These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

Date : XX/XX/18 Amounts : Old Vehicle - {$46000.00} Actions by me : Requesting pay-off with management at location due to the sales tactics that were used. 

Events : I went to XXXX XXXX XXXX looking to trade in my XXXX XXXX to go with something a little more economical. I was informed that there was no option to trade due to balance on truck, ( this was after they took my keys and processed an appraisal. ) I told them no problem and that I would want to keep my truck and continue to pay for it. However, I had test drove a vehicle and they started processing numbers and told me to wait and that I needed to voluntarily surrender my truck to the bank I originally got the loan from, in this situation I asked for my keys and they were not given to me. They had the sales representative follow me to the bank down the road to ensure I gave the truck to them, then had me go back to the dealership and sign for paperwork on the vehicle I test drove. Now I have to suffer on my credit for a vehicle that is not delinquent, due to their XXXX sales tactics. I was intimidated and was forced to do this. I was informed by both the salesman and the Finance Manager that I had no other option and that I was lucky they were looking out for me. This is not the case.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts on my credit report that are reporting incorrect information that is withholding me from seeking new lines of credit. I have disputed these two alleged accounts with Experian on XX/XX/2021. The 1st account is from XXXXXXXX XXXX and there are numerous errors reporting such as the balance, & payment history. The 2nd account is XXXX XXXX and the payment history reporting is incorrect on this account. Since sending the letters on XX/XX/2021, I did not receive a response from Experian within 30 days as required by law. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. Attached is the certified mail showing proof of my disputes. I have tried relentlessly to remove these accounts with both the creditor and the credit bureau and they have not responded in a timely manner or provided any of the proof, or documentation demanded for these accounts along with they have failed to update any incorrect information as well.
Product: Checking or savings account

today is 25 days waiting for my XXXX and XXXX reached out to me that they never recd the transfer from TD bank for XXXX that they said they sent. CFPB already got an answer for this complaint on XX/XX/XXXX stating the bank will xfer funds from my closed TD acct to my XXXX XXXX bank account. ( initiating bank ) it would take 5-7 biz days. Today is the 25th biz day and my money is not in my acct. They are holding my money illegally!!. can not call them ( wait times are over 1 hour, and they do not answer emails. ) They stated to you that the funds would be transferred and as of today they are not in my acct at XXXX XXXX ending in XXXX its 25 biz days! previous complaint # is XXXX Thank you but they are cheating me. I am owed XXXX!! XXXX  acct # XXXX. On XX/XX/XXXX I transferred XXXX to TD acct from XXXX. On XX/XX/XXXX I transferred XXXX from XXXX to open TD acct. Now the funds are somewhere but not in my XXXX acct. Please send the $ $ NOW I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No
Product: Credit reporting or other personal consumer reports

Remove account involved in litigation " an incorrect high balance '' an inaccurate date of last activity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

and Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Please Remove It From My Credit Report. 

Remove all non-account holding inquiries associated with fraud and identity theft
Product: Credit card or prepaid card

After 13 year with the credit card the lower my credit with out any reason, they been doing that in my research I found that a lot of people are complaining about this, this is affecting my credit report because the available credit when down
Product: Credit reporting or other personal consumer reports

My address is incorrect and my identity is showing up incorrectly when creditors verify The only address that needs to be shown is XXXX XXXX XXXX XXXX, Tx XXXX My name on my social security card is XXXX XXXX XXXX XXXX And please remove all hard inquiries not associated with my current address