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

I disputed a charge of {$1100.00} from a hotel I cancelled well within the free cancellation time range hotel manager advised me to dispute the charge rather than getting a refund. I sent MULTIPLE REPUTABLE sources proving that my claim was correct, and I should receive my money back. However chime denied my claim and refuses to tell me why.

This happens to a lot of Chime users and I think it is unfair that chime does not have protection for its customers. Again, I have provided many emails and documents that supported my claim and they still denied it without reasonable explanation Im currently without {$1100.00}. 

I was told by chime I would receive a provisional credit for this mistake today, but they sent me an email yesterday saying they closed the claim AGAIN and I will not be getting a credit.
Product: Debt collection

Iv requested with several certified letters to validate the debt. this debt still remains on my credit report. I'm requesting validation of the debt and a copy of my HIPPA compliance form.. i paid them on payments over phone and scheduled. I requested relief under COVID due to my unemployment issues, and receiving unemployment, receiving and currently receiving XXXX Under the fair credit act, A Summary of Your Rights Under the Fair Credit Reporting Act Iam entitled to a free file disclosure if : Iam on public assistance ; and have been on unemployment, i requested removal of these items during these times of assistance and continue to request the closure, i'm currently homeless in a financial burden and life crises at the moment
Product: Vehicle loan or lease

Purchased vehicle XX/XX/XXXX and paid on vehicle for 9 years, Throughout the 9 years life happened and if I was late I would let them know and I always paid.I got behind during pandemic and asked for assistance anf let them know my situation. XXXX. 1 time XXXX, 1 time XXXX and 2 times in XXXX. I was also laid off from my job of 6 yrs in XX/XX/XXXX and again in XX/XX/XXXX. I filed for unemployment but did not receive until 2 years later. Regional Acceptance was informed immediately after each event to keep them updated on my situation. In XX/XX/XXXX, I got a new job but had to file bankruptcy after being unemployed from XX/XX/XXXX to XX/XX/XXXX. I made payments on the bankruptcy through XX/XX/XXXX laid off again. Again informed Regional Acceptance of my situation. 

Purchased vehicle XX/XX/XXXX Paid on vehicle for 9 years Laid off 3/30/22mi Laid off XX/XX/XXXX Filed Bankruptcy XX/XX/XXXX New job termed XX/XX/XXXX Bankruptcy dismissed XX/XX/XXXX Vehicle charged off on credit report XX/XX/XXXX Vehicle repossessed XX/XX/XXXX by XXXX Called XXXX XXXX XX/XX/XXXX, Repossession not registered with either City ofXX/XX/XXXX or City of XXXX Demanded XXXX stop repossession due to Breach of Peace, Forwarder did not comply I have requested on 3 occassions for copies of contracts ( there are 2 at dealership ), accounting statement with all pmts and charges, copies of 27 deferrments they say i requested as well as a 1099-C from charge off on my credit report in XX/XX/XXXX. I have NOT recieved any of the items requested. The vehicle was not sold at auction until XX/XX/XXXX. The balance on my credit showing as charged off is just over {$21000.00}. and the sale price was approx. XXXX This is not right and they are refusing to send me a 1099-C refectiong a charge off they have already claimed. Please Help!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Current Address : XXXX XXXX XXXX, XXXX KY XXXX XXXX Subject : Incorrect Outdated Address on Credit Report Description : This is my second complaint regarding Equifaxs refusal to remove an outdated address from my credit report. Despite providing evidence of my current address, Equifax continues to report my previous address, Outdated Address : XXXX XXXX XXXX XXXX XXXX. XXXX KY XXXX, which is incorrect and negatively affects my ability to buy a house, buy a car loan, employment securing credit and updating records. I request that Equifax be directed to promptly update my address information and remove the outdated entry to ensure my credit report is accurate and fair. Documentation of my current address and previous dispute communications with Equifax are attached for review. attached Driver License with current address and utility bill XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXX  Balance Owed : {$210.00} XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$310.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$750.00} XXXX XXXXXXXX Balance Owed : {$700.00} XXXX XXXX Balance Owed : {$840.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$340.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$740.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported XX/XX/year> XXXX XXXX Balance Owed : {$330.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft DEPTEDNELNET Account Number : XXXX This is not mine. 

2. Identity Theft DEPTEDNELNET Account Number : XXXX This is not mine. 

3. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

4. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

5. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

6. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

7. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

8. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

9. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

10. Identity Theft DEPTEDNELNET Account Number : XXXX This is not mine. 

11. Identity Theft DEPTEDNELNET Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

contacted experian about an alert directly from them about an address and alias linked to my SSN. As well as some inquiries that did not belong to me which the company said experian needs to remove. But they refused to look into it because they do not send those alerts. I pay for credit monitoring for a reason
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate accounts and unauthorized inquiries reflected in my credit report dated XX/XX/year>. These inaccuracies and inquiries are negatively impacting my financial profile and must be addressed immediately to ensure compliance with the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX I logged into the 3 Credit Burea accounts and realized I had unauthorized fradulent inquries on my accounts. 
On XX/XX/XXXX I reached out via phone to Equifax, XXXX, & XXXX and all of them told me that there was nothing I could do about these unauthorized inquiries on my account. 
On XX/XX/XXXX I filed a online dispute on Equifax. 
On XX/XX/XXXX it was denied. 
On XX/XX/XXXX I filed my report with the FTC.
Product: Mortgage

The amount for my escrow taxes is too high. Monthly I have {$160.00} escrowed for taxes. My annual local tax amount is {$220.00}. I raised this concern before closing, at closing, after closing, and at the end of the year when the property tax bill was sent out. After I sent the property tax bill at the end of 2017 I was told that the amount would be adjusted in XX/XX/XXXX. When I contacted Pacific Union Financial at the end of XX/XX/XXXX I was told that they would not look at it until XX/XX/XXXX. When I requested that they look at it anyway I was told that they have no proof that the tax amount has changed from your local county. Currently, we have your annual county tax amount as {$220.00}. 
So they know that the annual tax bill is {$220.00} yet dont see a problem with escrowing $ XXXX/month for local taxes.
Product: Vehicle loan or lease

In 2011 my husband and I paid off our US Bank vehicle loan # XXXX. We mistakenly did not follow-up with the bank when we did not receive the released title. US Bank is now saying they have lost the title and are refusing to provide a release of lien so we can apply for a duplicate title. My husband and I have spoken to FIVE people at US Bank and they all claim they are working on providing this letter by the most recent representative admitted NOTHING was noted in the file. It's been over two weeks and I am beyond frustrated. My position is my husband and I signed a contract with the bank and we fulfilled our obligations by making the payments and the bank, in refusing to provide a release of lien, is effectively stealing our property. I would like to know if there is a remedy available through your office or if our only recourse is a civil action?
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights 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: Credit reporting

I have contacted Transunion since XXXX 2016 disputing Inquiries that I do n't recall authorizing. I requested Transunion to please provide me the documentation they used to verify that the Inquire was authorized by me so I can confirm its validity. Transunion is in violation of the FLRA for not completing the investigation in 30 days & ordering me to contact the creditor which turns the burden on me ( violation of the FLRA ), Transunion is well known to respond disputed inquiries in this manner ( placing the burden on the consumer ). The actions of Transunion is having a major negative impact on my credit worthiness and credit score causing me XXXX..
Product: Debt collection

Every month the credit bureau is alerting me of a bad debt that is owed on my behalf that is not a validated debt of mine. That keeps going up. They are calling every other day.
Product: Debt collection

XX/XX/XXXX, a letter was written by Navy Federal Credit Union stating if I paid XXXX they would settle my credit card account and stop collection processes and send a letter showing the account settled. This did not happen. XX/XX/XXXX I recieved a letter basically bait and switching me. The letter stated we did not have a settlement agreement and they still took my payment and still owe XXXX pus and they look forward to speaking to me to settle the account. Basically took my money and did not supply what was promised. A settled credit account and a letter showing this. Instead, they took my money and are making me pay off the remaining balance. I have a photocopy of the letter, which was also sent with the payment so no mistakes would happen. I'm pretty sure they thought because I sent the letter with the payment, I can not prove that's what they said. Not true. I have a copy of the settlement letter and the letter stating they basically took my money and went against their agreement. These are attached with this complaint. I also have proof of when the payment was mailed. It was tracked.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally file a complaint against Affirm for what I believe to be violations of my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. Specifically, I believe Affirm has engaged in actions that infringe upon my right to privacy and compliance with statutory requirements governing credit reporting and payment handling. 
Alleged Violations : Violation of Privacy Rights ( 15 U.S.C. 1681, Section 602 ) : Section 602 of the FCRA ensures my right to privacy concerning my consumer information. Affirm has violated this right by furnishing or disclosing my account information to third parties without my explicit written instructions, contrary to the provisions outlined in Section 604 ( a ) ( 2 ) of the FCRA. 

Improper Reporting Without Written Authorization ( 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) ) : Affirm has furnished information about my account to a consumer reporting agency without my explicit written consent, as required by federal law. This action is a clear breach of my rights and constitutes a violation of the FCRA. 

Mismanagement of Payments ( 15 U.S.C. 1666b ) : Affirm has also treated payments on my account under an open-end consumer credit plan as late, despite the fact that payments were made in a timely manner. Section 1666b explicitly prohibits creditors from treating payments as late " for any purpose '' when they have been made in compliance with agreed-upon terms.
Product: Money transfer, virtual currency, or money service

I sent {$1000.00} on XX/XX/XXXX  from my XXXX XXXX checking account via Zelle  to my Daughter, XXXX XXXX XXXX XXXX XXXX  account. Unknown to me at the time the funds were transferred to a XXXX account holder. My daughter 's cell phone # that I typed into Zelle was previously the cell phone # of this person at XXXX. I filed a complaint with XXXX XXXX on XX/XX/23, and since then 10 business days have elapsed and XXXX tells me the case is closed, I have not received the {$1000.00} back into my bank account. I called XXXX and they can not help, they said to call XXXX XXXX. Additional info- the woman who used to have this cell phone # is in debt by about $ XXXX, which my daughter has gathered from all the collection calls she receives for this previous owner of the phone #. I believe my daughter might have the name of the woman who received the {$1000.00}, only because my daughter still receives phone calls for this woman. I want to file this complaint right away, but I can follow up and provide the woman 's name. My main question/complaint is how come the banks and Zelle transferred the funds into a person 's bank account and they didn't cross check the name of the recipient with the Name I put into Zelle? The transaction details in my bank account show the name on the account to be XXXX, but the funds were transferred to a different person. Shouldn't the banks and Zelle be cross checking the name that I put in as the recipient to be the same as on the account they are depositing the funds into?
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report notation of the following late payments ( XXXX ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not { XXXX XXXX XXXX XXXX XXXXXXXX and Account number XXXX } I also respectfully request to be provided specific proof that theses alleged late payments were in fact late. I request to see all statements and payments transaction records from the you as the creditor that would proof that my payment was not submitted on time. It is my understanding that I must verify these items with the reporting creditor ( XXXX XXXX XXXX XXXX XXXXXXXX ) for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed Never Late ) according to consumer protection laws. 

In addition in accordance to the Fair Credit Reporting Act ( FCRA ) Code 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Furthermore as per the Fair Credit Reporting Act ( FCRA ) Code 15 USC 1681 Section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Where is my right to privacy, when your reporting to the credit bureaus about alleged late payments?

Over and above that, by means of the Fair Credit Reporting Act ( FCRA ) Code 15 USC 1681a ( 2 ) ( B ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX CARD Account Number : XXXX ; XXXX CARD Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX OF XXXX Account Number : XXXX ; XXXX XXXX-REPORTED Account Number : XXXX ; XXXX XXXX-REPORTED Account Number : XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX  XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Debt collection

I did have a Mervyn 's account ( XXXX? ) but when the store closed in our area in XXXX, I paid off my account and closed it. I JUST got a letter from XXXX XXXX XXXX ( XXXX XXXX ) saying that this account was " charged off as an unpaid delinquent debt on XXXX '' but XXXX wants me to pay them {$370.00}! I do not owe this money and asked the credit agencies ( XXXX etc ) to remove this from my credit reports.
Product: Debt collection

It is widely known that XXXX XXXX became XXXX XXXX and as a failing business model ( numerous complaints ). In the past I was contacted annually to renew my yellow page advertising. In anticipation of closing my business in 2019, I canceled my advertising. 

In addition, XXXX XXXX and XXXX XXXX failed to live up to their contract terms of providing XXXX yellow page books to XXXX XXXX. I contacted them that I had not received my annual copy of the phone directory and yellow pages. 

The amount owed is incorrect and fraud for two reasons. I terminated the agreement, never agreed to continue the 'advertising, and the company did not provide the service they promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX - XXXX XXXX - XX/XX/2021 XXXX - XX/XX/2021. has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried contacting each credit bureau to dispute these inquiries that are identity thief. 

XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX ( Bank XXXX XXXX XXXX XXXX Finance ) XXXX XXXX ( Finance ) XXXX XXXXXXXX ( Bank ) XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/20XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 I have attached my identity report