23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

FACTUAL DISPUTE - REPEATED CHARGE-OFFS, FROM MONTH TO MONTH A charged-off account should NOT include an active payment history. " This is inaccurate information falsely manipulates the statute of limitations ''. EXPERIAN has failed to investigate this account properly and their neglect has " violated my rights ''. 

This is illegal, which updates the statute of limitations to " extend and " re-aging the account, which is illegal '' Account name XXXX XXXX Account number XXXX
Product: Credit reporting

I have been advising my family and friends to obtain their annual credit reports and I have noticed that Equifax appears to routinely asks obscure or difficult questions in the challenge questions prior to obtaining the online credit reporting with the result that many of my friends and family are refused the online credit report and a must print out and mail a form with complicated identity forms required. This is a discouragement approach to minimize online credit reports provided to citizens. 

They also do not provide " Credit Scores '', which must be purchased separately. The annual reports should contain any and all information reported on citizens provided to others, period.
Product: Credit reporting or other personal consumer reports

am writing to file a formal complaint and request the immediate removal of a fraudulent account from my Equifax credit report. As a victim of identity theft, I have been subjected to unauthorized accounts and transactions that have adversely affected my credit standing. In accordance with 15 U.S.C. 1681 of the Fair Credit Reporting Act ( FCRA ) and Equifax 's policies, this fraudulent entry must be removed to ensure the accuracy and integrity of my credit report. 

The details of the fraudulent/INCOMPLETE account are as follows : - **Account Type** : Revolving - **Account Owner** : Individual Account - **Loan Type** : Credit Card - **Creditor Classification** : Revolving Credit Limit : {$1500.00} - **High Credit Amount** : {$1700.00} - **Term Frequency** : Monthly - **Term Duration** : - **Activity Designator** : Closed - **Date Opened** : XX/XX/XXXX - **Date Reported** : XX/XX/XXXX - **Date of Last Activity** : - **Payment Details** : - **Months Reviewed** : 1 - **Deferred Payment Start Date** : - **Scheduled Payment Amount** : {$0.00} - **Date Closed** : XX/XX/XXXX - **Actual Payment Amount** : {$0.00} - **Charge Off Amount** : {$1700.00} FRAUDULENT INQUIRIES/ : XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX i request/demand these fraudelent accounts and inquires be removed immediately. 


This information is the result of identity theft and does not accurately reflect my credit history. Additionally, these accounts were deemed unverifiable and have been suppressed by XXXX XXXX XXXX. I have attached a copy of the identity theft report filed with the Federal Trade Commission ( FTC ) for your reference. 

Under the FCRA, consumers are entitled to dispute any inaccurate information on their credit reports and to request its removal if proven to be fraudulent. Despite my previous attempts to resolve this matter directly with Equifax, this fraudulent charge-off account continues to appear on my credit report, causing significant harm to my financial reputation. 

In light of the above, I kindly request the FTC to intervene and ensure that Equifax promptly investigates this disputed account and removes it from my credit report. I have attached copies of my identity theft report filed with the FTC, police reports, and any other relevant documentation to substantiate my claim. 

I trust that the FTC will take swift and appropriate action to rectify this issue, ensuring that my credit report is accurate and reflects only legitimate transactions. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

I opened a checking account with Chime Bank and used it to transfer my unemployment benefit payments from XXXX XXXXXXXX XXXX to my Chime Bank checking account. After several transfer deposits totaling {$5000.00}, Chime froze my account, asking me to provide proof of my identity. Providing gov't ID was not a condition for opening my account at Chime Bank XXXX I refused since gov't ID was not a condition of opening my account. The position that I stand firm on. Chime closed my account with a balance in the amount of {$5000.00} and emailed me this response. 

" After a recent review, your account was found to be not in compliance with Chime 's internal policies and your account agreement. Your account has been closed by Chime and is not eligible for a refund. For more information, please review Section 9 titled Amendment and Cancellation of the Chime Deposit Account Agreement : https : //member.chimebank.com/account-agreement. '' The dates and amounts of my deposits are : XX/XX/20 {$4900.00} XX/XX/20 {$1500.00} XX/XX/20 {$1500.00} XX/XX/20 {$1500.00} I filed a claim through XXXX XXXX XXXXXXXX XXXX but Chime refused to release my funds and transfer them back. I have written Chime by email asking for their legal counsel 's name and address and they have refused to provide this information. 

My position is, no matter what the reason for Chime 's decision to close my account, once making that decision they should either issue a check for the full amount in the closed account and mail it to the address on file, or return the funds back to the original source of the fund 's transfer " XXXX XXXX XXXXXXXX ''. I do not understand what legal bank precedent Chime Bank is using to keep my money.
Product: Credit card or prepaid card

I am having issues with XXXX XXXX XXXX CBNA. This card I am an authorized user. My mother XXXX XXXX is the primary card holder. She added me to this account in XXXX when I was a minor and I didn't consent nor want to be added. The company has refused to remove me. I have filed disputes with XXXX as recently as XX/XX/XXXX and tried to call the company myself and they told me they wouldn't remove me unless the primary cardholder allowed them to. I reached out to my XXXX  and XXXX  mother and tried to get her to remove me and she has refused and ignored my pleads. The account has currently no balance. I have attached the dispute report and text messages I have sent to my mother to remove me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX XXXX XXXX Account name : XXXX -Account name : XXXX XXXX- Account name : XXXX XXXX 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 information is inaccurate.
Product: Prepaid card

They closed my account due to so much money coming to my account. I provided documents explaining why I had numerous amounts coming to my account but they still closed my account and still havent sent me my refund for the money they took. I believe it was 2021 when they closed the account.
Product: Prepaid card

I had previously filed a complaint with your agency ( XXXX ). My complaint read as follows : [ I received this Vanilla Gift Card and attempted to use it at several merchants, both online and in person. Every time the card was declined which is not only embarrassing, but also frustrating as this is {$100.00} that has just disappeared. When I contacted the company, I was told the card was frozen due to too many declines. They offered to send me a new one, I asked for a list of stores where this card might be valid, and they told me I should be able to use the new card anywhere. When I received the new card, I attempted to use it multiple times with the same result. This is so frustrating and the company is no help. Their suggestion was that I try to use it everywhere until it works which is a complete non-answer to me. The person who gave me this card has been defrauded out of {$100.00} and I have nothing to show for it. ] After receiving a response from the company, they promised to reimburse me for this gift card and indicated that they would expedite a check for the full value of the card via XXXX This was promised over a month ago and to date I have still not received this reimbursement. I don't understand how a business can continue to operate with fraudulent practices. I contacted them via the email address they listed in their response to my complaint and have heard nothing. They continue to have use of my {$100.00} on a gift card that I can not access and I consider this to be theft of property.
Product: Debt collection

Lvnv funding is not licensed in the state of nj to collect debt. They have applied to garnish my wages.
Product: Mortgage

I made a payment on XX/XX/XXXX at XXXX EST, and a payment on XX/XX/XXXX at XXXX EST. I got charged with a late fee both of those months for XXXX each. I emailed Valons email support and they responded that their policy states they are only allowed to credit 1 late fee per a 12 month policy. This policy was never clearly explained to me when my loan was transferred from XXXXXXXX XXXX to Valon Mortgage. I explained that Valons 1 late fee credit per 12 months is predatory and intended to extract as much funds from the consumer as possible, especially considering the actual payments I made were on the XXXX day which is what is allowed by law as a grace period for consumers. After arguing with Valon, I got both late fees waived. Yesterday due to a power outage at my property, I did not have online access to make my payment prior to XXXX on the XXXX, and I was finally able to make a payment at XXXX EST at the earliest on XX/XX/XXXX, within the 16 day grace period. I emailed Valons email support right away for help, but rather than argue in emails back and forth I decided to call in to their customer support to talk to someone and provide documentation of my power outage as I have text notifications from XXXX XXXX that power would temporarily be out at my property. The representative on the phone was rude and didnt have any compassion and told me that the fee would be my responsibility. The call can be listened to at https : XXXX I even asked the customer service to set me up on autopay if shell waive the late fee so that neither I or Valon will have to deal with late fee waivers again as it is likely to repeat considering Valons very strict late fee waiver policy that results in issues because of their early XXXX early cutoff time while the industry standard over the years has been major credit card companies and mortgage companies moving over to a midnight cutoff time. I explained to Valons phone representative that this fee will not be paid and will remain on the account until it ends up in collections and that a complaint will be filed to the CFPB to inform them of Valon unwilling to help a customer out that has tried to reach a middle ground with autopay setup. A company like Valon should really focus on customer support being a new company and winning over customers versus trying to figure out how to make as much profit as possible especially when all my payments have been on the XXXX and it is very clear I am a credit worthy customer based on my credit score and payment record. They could never get me as a customer based on their customer service alone and are lucky to have gotten my business by getting my loan transferred over to them. I hope Valon isnt as greedy as Ive pointed out and will credit me my late fee charged on XX/XX/2023 in the amount of XXXX.
Product: Debt collection

I have received letters from companies saying that my accounts, personal information and credit may have been compromised because of data breaches. I have amounts shown on my credit report that I think are greater than the actual amount that I spent or owed. I am disputing these charges and would like for them to be removed from my credit report if possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

About a month ago I tried to unfreeze my Experian account and their online service wasn't working ( https : //www.experian.com/ncaconline/removefreeze ). I had all the correct info entered, including my pin, and it told me I could only unfreeze by submitting a bunch of paper work to them through the mail. I called and after an extended hold I finally got to speak to a person. This person allowed me to unfreeze over the phone and said I should be able to use the online service again. 

To avoid this problem in the future I decided to use their lock/unlock service they provide through the XXXX website. Unfortunately I just got notice that my free year of this service expires this week. So, I tried to re-freeze my account using the online service and again got the message saying I have to submit a bunch of paperwork through the mail. 

I'm fed up with the fact that their online freeze/unfreeze service is not working. I have all the correct info, including the pin number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Bank of American account that become delinquent and then charge off for XXXX. On XX/XX/XXXX, I paid the full balance and closed this account with Bank of America. Bank of America updated the balance to paid with a XXXX balance on XXXX and XXXX. XXXX  did not update the balance to reflect this change so I sent a dispute to XXXX. On XX/XX/XXXX, I received an alert from XXXX monitoring that showed the investigation was completed and the account was verified and reported a delinquent status for the balance that I have already paid. I then tried to initiate a dispute online but the system will not allow me to. I have attached a check showing that the amount was paid and debited out of my checking account on XX/XX/XXXX.
Product: Checking or savings account

Original Complaint : I made an external transfer to US Bank from XXXX of {$3000.00} on XX/XX/XXXX to a business checking account. It was supposed to arrive on XX/XX/XXXX. US Bank closed my account on XX/XX/XXXX because I made an opening deposit that was rejected due to insufficient funds ( I put in the wrong account information ). This is why I tried to make the secondary {$3000.00} transfer to cover the opening deposit. 

I have contacted US Bank three times regarding this matter and they said it should have been returned since the account was closed. It's been XXXX weeks, no money. On their banking website, the status shows returned. I contacted XXXX twice and they said there is nothing they can do since they haven't gotten the return from US Bank and to contact them. I am tired of being given the runaround and just want my money back. 

-- - This is my second complaint to CFPB. My money is still missing! I got a letter from US Bank that they could not locate a record of the transaction and closed my case. I contacted XXXX again and they told me to contact US Bank again. 

From XXXX : On our end, the transaction was delivered successfully to them. 
It's just that in this case the money went out of XXXX and it's on their end the issue. 

Spray Number : XXXX Transaction Trace Number : XXXX Transaction # : XXXX US BANK TRANSFER TRANSFER Transaction ID : XXXX
Product: Credit card

Due to a breach of info. Someone got ahold of my accounts and cards and maxed them out without me knowing about it until it was too late. I cancelled the cards and was issued new ones but that didnt and wouldnt fix the problem. I was still going to have to may payments on a card that was maxed out and I didnt even do this. No one would really talk about it not would they help
Product: Credit card

On XX/XX/2023 I was making a purchase at the Belk ( XXXX XXXX XXXX, XXXX, SC XXXX ) in the men 's department with my existing Belk Mastercard. The cashier said she could upgrade this card for an additional discount on my purchase. She specifically said the upgrade would be without any changes to my existing card- it was simply an additional discount. All I had to do was press here, enter that and I would receive the new and improved upgraded card with the same account number ( she said ). I specifically asked if I was applying for a new credit card and she told me I was not. Clearly this was a sales/marketing ploy and a direct lie. What happened was a hard credit inquiry and new credit card exactly like my existing card - no upgrade. Now I have XXXX of the same type of account and a new credit inquiry/account which I promptly closed. This is a blatant deceptive marketing practice and should be stopped. I submitted a complaint with the company - no response. I submitted a complaint with the FTC, and now this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) EXPERIAN AND XXXX CREDIT BUREAUS are required to remove any ACCOUNTS later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$38000.00}.
Product: Consumer Loan

This vehicle had a bumper to bumper warranty on it. They never honored the warranty and I was looking at {$4000.00} in repairs. I had several dealerships try and work with them and they would not budge. After 2 months of not having a vehicle I let took it back.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX Balance {$590.00} XXXX XXXXBalance {$0.00} XXXX XXXX XXXXXXXX Balance {$1100.00} XXXX XXXX Balance {$2400.00} XXXX XXXX XXXX Balance {$6100.00}
Product: Credit reporting or other personal consumer reports

I have no involvement in these inquiries and am not associated with the creditors stated on my credit report above.
Product: Debt collection

Keep getting calls. I called the number today because I know I do n't owe any money to anyone. I have had someone previously use my phone number and have had debt collection agencies calling my house looking for a person I do not know so I figured this XXXX was starting again. I have police reports filed with the XXXX department. I called the number. They will not give me any info. I have never received any bills in the mail so I know I owe no.money. I told them to stop calling me. They were very rude.
Product: Debt collection

I was contacted by the company regarding an Alleged debt on XX/XX/year>. I contacted Tri-State Adjustments , Inc . 
via mail at : XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX on XX/XX/year>. I requested the following : * 1. The amount of the alleged debt ; * 2. The full name and mailing address of the original creditor for this alleged debt ; * 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; * 4. Documentation showing you are licensed to collect debts in Florida I received a response and it was not what I requested. The only thing they included was the amount of the alleged debt and the original creditors name. 

I have no received the original contract with the company, documentation that theyve verified I am responsible for the debt. Documentation showing theyre licensed to collect debts in Florida XXXX
Product: Vehicle loan or lease

Bank of America has been reporting my auto loan account XXXX. They are reporting this account as charge off no payment received. Yet I have been making payments over the last year. I have provided proof of some of the payments I have made. 

They have been calling and making threats about the account. They will not update the account on my credit report after they have charged off account. 

They took {$300.00} dollars from my bank account on XX/XX/XXXX without my authorization. 


This is what account looks like on XXXX. 
BK OF AMER {$24000.00} Closed 28 charge-offs Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$24000.00} Original loan amount {$45000.00} Account showing 28 Negative ratings
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX reported a charge-off account to credit reporting agencies. I do not recall getting credit card from XXXX XXXX. I wrote them a letter on XX/XX/2019 to explain the matter ; they never responded to my letter. I never had a credit card with XXXX XXXX.
Product: Debt collection

I have been disputing this debt for the past six months with no resolution. On XX/XX/XXXX I first requested validation of the debt. They responded XX/XX/XXXX with an itemized bill which does not validate a debt under the FDCP. I pulled a subsequent credit report on XX/XX/XXXX it was not marked as disputed, they were once again in violation. On XX/XX/XXXX I then requested the entry be removed from my credit report because they did not mark the entry as disputed within the allotted time. They responded by saying " we have previously provided you with verification of the debt ... there is no duty to provide it multiple times and will not respond to any further requests ''. I tried to restart the dispute process and sent a " request for validation '' letter on XX/XX/XXXX. They responded yet again with an itemized bill. RMP has failed on multiple occasions to " validate '' this debt. If they can not validate this debt it needs to be removed from my credit file because I am trying to obtain a mortgage and this non-validated account is harming my score.