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

To preface this complaint, Chime has repeatedly abused its power over my finances from the time I started depositing real money into it. From not settling disputes where my card was stolen to taking a year to send a new debit card. 

This instance saw me go to the ATM to pull out XXXXXXXX XXXX for dinner with my spouse. The ATM dispensed XXXXXXXX XXXX instead of XXXX XXXX After trying to get a live agent on the phone and having the phone system not connect me for 20 minutes; forcing me to send an online message and then demanding them to call me, I went back inside. There I found 3 people, in that short span, all have the same thing happen to them. 2 of the other individuals happened to have Chime as well and could not get a representative on the phone. 

I received a call from a Chime representative who escalated me to their manager, who transferred me to disputes and then transferred me back to the representative. This rep then transfered me to another manager. They all echoed the same sentiment that the money would be refunded to my account. I explained to them that the ATM processed the transaction as XXXXXXXX XXXX as all it does is scan the bills. Since there are XXXX XXXX where there should be XXXX XXXX the withdrawal would not show I was shorted money. I then withdrew an additional XXXX to make up the difference and to prove that it was not a charade, my funds have been stolen. They told me there is nothing they can do and if that was all. 

I demanded they credit me back the money pending an investigation. To remove the credit from my account if the investigation turned out fraudulent. They refused. I demanded they check with their IT reps and find the calls they were getting to the same area to see that I was not lying about the faulty ATM. They refused. I asked them to communicate with XXXX about addressing the faulty machine. They did not respond. 

This institution has made its way by offering cheeky deals to poor people and then using their poverty against them as a tool of control. The reason XXXX XXXX, XXXX, etc don't have these issues is simply that they can not or their deposit base would flee. Foolishly, I believed making more money and increasing my deposits with the bank would allow me 1st class service but today reminded me that I am still a chime depositor. Sadly to Chime, that means I'm just another poor person they can siphon money from. 

I am fortunate enough that now I don't have to care about the money. But not long ago at all this instance could have stopped me from eating for the week, stopped me from putting gas in my car, stopped me from taking my medicine. This institution needs to be halted and turned into nothing more than 12 XXXX. 

My hope is that this complaint can lead to a resolution that benefits those that are being exploited.
Product: Debt collection

THIS IS DEBT IS OVER 4 YEARS AND THEREFORE, CAN NOT BE COLLECTED. 
I DO NOT BELIEVE I OWE THIS DEBT, AND THEREFORE DISPUTE THIS ACCOUNT PURSUANT TO FDCPA, 15 USC & 1692G AND MY STATES LAWS. 
THIS IS DEBT IS OVER 4 YEARS AND THEREFORE, CAN NOT BE COLLECTED. 
I DO NOT BELIEVE I OWE THIS DEBT, AND THEREFORE DISPUTE THIS ACCOUNT PURSUANT TO FDCPA, 15 USC & 1692G AND MY STATES LAWS. I REQUEST YOU DISCLOSE THE FOLLOWING IN WRITING.
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Debt collection

I signed a contract with a XXXX / XXXX XXXX for credit card processing services. I was told that using this company would save me money in processing fees. I later discovered that this was not true and they have a lot of hidden fees. So I gave them a call and they told me I enrolled with XXXX for a three-year contract. I started the service in XX/XX/XXXX and I called in XXXX to try and cancel. I was told by a customer support agent that I would receive thousands of dollars in penalties if I tried to break the contract. I decided to wait until the contract was over in XX/XX/XXXX only to learn that when it expired, it was automatically renewed for a year. I decided to go through my bank to cancel these charges. During COVID 19, I can not afford to pay for services that I am no longer using. They said the penalty to cancel approx {$500.00} for failure to notify of the intent of nonrenewal, plus late fees and monthly fees for a contract they renewed without my authorization. They have a lot of hidden fees and they are the worst company that I have ever dealt with. Now they have sent me to " collections '' with some weird collections agency in XXXX XXXX that keeps sending letters, email and threatening phone calls. They are only out to get people whichever way they can. I am worried that they will give me a bad credit review which will further affect me and my family. I honored the contract and I continued to pay, despite the fact that I was no longer using their services. I searched online and multiple people are in my same position.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted EQUIFAX over 25 times explaining that the accounts that are listed as XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX # XXXX does not belong to me. The last dispute I sent them they deleted 6 of the accounts and left behind 6, I don't understand if you are deleting some why they are not deleting them all at the same time since I have provided them with proof that these account are fraud. I have sent in a fraud identity theft report, police report, ID, and social and each time I am transferred to someone in another country that does not understand what I am explaining and continuously read from a script. This is very annoying and cause me to keep calling and complaining on something that is clearly in black & white with the proof right there. One representative tells me to send the reports and I do another says it must have the account numbers on the police report but with one account with that name listed obviously this is the correct account. I have disputed & disputed & disputed and they keep saying verified. SO I ask how and to provide me with the verification method by law I am entitled to & then I hear nothing but the account remains on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 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 XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX A XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Debt collection

Ok credit management lp has been contacted multiple times on my behalf to provide the original contract on the debt they say I owe i am going to say this for the last time if credit management doesnt provide me with the original certificate of indebtedness and the contract with my and their signature I will take further action I am right now putting credit management LP on notice
Product: Credit card

I made a payment through Bill Pay through my bank where the money is " pushed '' from my account. The respondent is refusing to post the payment to my account.
Product: Credit reporting

I used the annual credit report site, entered all required data, XXXX and TransUnion both said they could not confirm identity, did not even offer an chance to access XXXX, and there were no options to find out why they could not confirm identity, the only option was to back out and then wait a year to try again. I used the phone to request the reports and they needed less info than online, but said it would take 3 weeks before I got it when I needed it for a legal matter right now. All I can say is that this site is about as useful as your other one, the 'Do Not Call Registry ', and that is sarcasm, not praise.
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 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX  XXXX Balance : {$300.00} XXXX  XXXX Balance : {$360.00} US DEPT ED XXXX Balance : {$1300.00} US DEPT ED  XXXX Balance : {$930.00}
Product: Debt collection

I have had numerous calls back to back from different numbers, they are rude, say terrible things & they hang up on you.
Product: Debt collection

This company has wrongfully added a derogatory mark on my credit. This account is passed the statute of limitations. This company is not the original creditor and has been sold to another company who has bought the debt and now I no longer owe it. The statute of limitations is 4 years and its has been XXXX. Please remove from my credit. Or prove I owe the debt.
Product: Credit reporting or other personal consumer reports

I have a Privacy issue related to my credit report, specifically in connection with the account provided by [ 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. Pursuant to the Gramm-Leach-Bliley Act ( GLBA ), I am seeking clarification and resolution regarding the privacy of my personal information. I believe there may be a violation of the GLBA, which mandates the protection of non-public personal information. To address this concern, I am requesting the following information : 1.Detailed Explanation : Please provide a detailed explanation of how my non-public personal information is being handled, including the measures in place to ensure its confidentiality and the entities with whom it has been shared.

2.Opt-In Documentation : As required by GLBA, I requested documentation confirming that I have explicitly opted-in for the sharing of my non-public personal information.

This includes any initial notices provided to me at the establishment of the customer relationship.

3. Written Contracts and Agreements : Provide any written contracts or agreements between myself and the data furnisher explicitly granting permission to share my non-public personal information.

4.Furnish any documents bearing my signature, confirming my explicit consent to data furnishers ( OPT-IN ) the sharing of personal information.

Failure to provide the requested documentation within a timely manner of 30 days from the receipt of this letter may compel me to pursue further action, including filing a complaint with regulatory authorities. It is crucial to address this matter promptly and transparently to ensure compliance with GLBA regulations I appreciate your immediate attention to this matter and look forward to a prompt resolution.
Product: Credit card or prepaid card

I have charge of {$600.00} on my card on XX/XX/2022 that I never made and it was made before I received the card. Company has policy to remove and investigate and remove the charge immediately - its still there and I get transferred from one person to another on the phone. Just received request to pay this balance in 5 days even though it is not my charge.
Product: Debt or credit management

XX/XX/year>. Initial payment was for XXXX There after I was being charged {$65.00} every 2 weeks the XXXX contacted me gave me the instructions on how to contact the creditors that were incorrectly on my report, they were taken off but when I stopped the service a year later seems as though all the items that were taken off were back on my report
Product: Credit reporting or other personal consumer reports

MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  {$420.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$640.00} OHIO DEPT OF HUMAN S {$1200.00} Date Opened XX/XX/XXXX OHIO DEPT OF HUMAN S Date Opened XX/XX/XXXX Balance {$790.00} **Inquries** XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my XXXX credit report on XX/XX/year>2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

I got this phone number in XX/XX/2021 after moving to TN from out of state for school. Since that time I have been repeatedly getting calls from " Portfolio Recovery '' multiple times a day, multiple times a week, at all hours of the day ( including overnight ). Initially they left a voicemail asking for " XXXX '' which is not me ( likely the person who owned this number previously ). I have sent an email to them asking them to please stop contacting me but they didn't respond. I have not answered their call fearing it was a scammer. Even though I have blocked them, they call from multiple numbers from all over the US not just one number. XXXX has said I can block a " person '' but only if they called from one number. Since they call from multiple, I can only keep blocking them manually which is not doing anything. They do pop up as " PORTFOLIORECOV '' in my caller ID. 

I just want them to leave me alone and stop harassing me!
Product: Credit card

Account ending in XXXX and XXXX. Please Investigate Dispute {$840.00} ( An unaccounted Amount ) Error Charged to My account ) and the over the limit, late charges and fees as a result of fraudulent in XXXX XXXX. I Have XXXX. I am XXXX. Please Help Me and Solve This Problem. 
My statement for XXXX XXXX was {$1100.00}. Some one in XXXX made fraudulent charges. These charges were never removed successfully. After the fraudulent charges were removed, you still have me owing XXXX on the XXXX, XXXX statement and {$1800.00} on the XXXX XXXX statement. How is this possible when no additional purchases have been made to this account and the amount before this incident occurred in XXXX XXXX, I only owed {$1100.00}? Some one in your operation fraudulently charged this amount to my account. I should owe no more than {$1000.00}. 

My Request 1.Remove the more than {$800.00} in unaccounted for fees that appear on my XXXX and XXXX XXXX statement as requested above. 
2. XXXX XXXX Statement Stop charging me late fees and over the limit fees. One of your agents caused the over limit fee when those erroneous charges were allowed in XXXX XXXX Do n't charge me for your mistake. Also my account balance should be no more than {$1000.00} when you remove the hidden charges ( {$800.00} + )
Product: Student loan

I have two private student loans held by Navient. These loans are associated with a school that was found to be fraudulent in their practices and was held liable as part of the XXXX vs. XXXX XXXX ' Defense case. 

I have recently been made aware that Navient is sending out applications to discharge private loans to customers who have attended the schools related to school misconduct and part of the XXXX vs. XXXX case. 

I requested an application from Navient as my school is part of this group. They first denied my request and when I pressed further they told me they are in the early stages and I *may* be considered in the coming months. 

I am filing this complaint because it is very plain to see that I attended this school that has been deemed to have acted with misconduct and I have paid into these private loans regularly for the past 16 years- with no end in sight. These loans have only doubled + because of the exorbitant interest rates and price gouging by Navient. If I continue to hold these loans I will NEVER be able to pay them off. They have designed them to keep consumers in a constant state of debt and forever repayment. I have paid my original debt to a school that was found to be fraudulent and ask that there be intervention on my behalf. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax security was breached ( as you know ), and I am submitting this complaint to express my frustration and insecurity regarding my personal information. While Equifax is also a victim of hacking, I believe there should be a discussion on how individual 's information can be protected and how to protect individuals whose information got leaked
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the multiple unsuccessful attempts I have made to correct late open and remove the repossession or charge off account on my credit file. Despite my persistent efforts to rectify this issue, these inaccuracies remain unresolved, and they are significantly impacting my creditworthiness and financial standing. I have identified the account on my credit file that continue to be inaccurately reported as late opening. I have previously disputed this inaccuracies through the established dispute resolution process, providing supporting documentation and explanations that clearly demonstrate that these accounts were opened on time and have been in good standing. Despite my efforts, I have not received any meaningful response or resolution. The late open account remain unchanged on my credit file, negatively affecting my credit score and my ability to secure new credit. I kindly request that you investigate the continued inaccuracies in reporting the opening dates of these accounts and take the necessary steps to correct or removed them in my credit file. Please provide me with a written response within the 30-day time frame mandated by the Fair Credit Reporting Act ( FCRA ). Include details of the actions taken to address these inaccuracies and confirm the corrections or removal made in my credit file. If any documents or additional information are required from my end to facilitate this process, please inform me promptly. With this, I am asking for your assistance to correct or remove the accounts : 1. XXXX  XXXX XXXX Balance Owed : {$410.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 2. XXXX XXXX Balance Owed : {$14000.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit summary on their website shows 1 late payment of 90+. When you click through to find what account the late payment is on, it shows NO negative accounts.
My credit report shows no negative accounts. It is ONLY on their website summary page. It has dropped my credit score by XXXX points. The other agencies, XXXX and XXXX, have my credit score in the XXXX 's with no negative accounts. I have never had a late payment in my life.
This is an Experian system problem!!! I have called them several times and they kept passing me from the membership department to the dispute department. There is no account to dispute because there are no late payments.
This last time I called after being told there was nothing they could do, I said I wanted to escalate the issue and was then transferred to a voice mail system.