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

On Friday XXXX XXXX a banking error occurred with XXXX XXXX  in an attempt to make a {$500.00} cash advance withdrawal with a banker named XXXX XXXX XXXX at XXXX as the transaction was approved by CHIME the bankers computer system crashed. When the banker rebooted her computer system any record of the {$500.00} cash advance was not found in the XXXX computer system, as such customer XXXX XXXX was not dispensed the funds reflected on his CHIME account as being taken from his account in the amount of {$500.00}, the funds were not dispensed by XXXX XXXX. XXXX XXXX  advised customer to file a dispute with CHIME, a letter was provided by XXXX XXXX  showing evidence the {$500.00} was not dispensed in an attempt to have CHIME return the non dispensed funds in the amount of {$500.00} to his account. On XXXX XXXX a dispute with CHIME was opened and the customer received notice XXXX day later on XXXX XXXX his dispute was closed with very little information pertaining to why or what steps were taken by the investigation team at CHIME DISPUTES. XXXX XXXX XXXX believes his consumer rights are being violated as XXXX day to complete a thorough investigation is insufficient time to conduct a complete investigation in violation of their timeline as stated in their policies. Consumer XXXX XXXX believes CHIME is in direct violation of REGULATION E as the information provided to him as to the reason his case was denied and closed was not complete or lacking pertinent information ; no information regarding the investigation or actions taken were provided to the consumer. Consumer could not cancel the transaction as no record of the transaction was found in the XXXX banking system.The only information provided to the consumer were computer generated generic responses as provided along with the complaint. The consumer contacted CHIME dispute to re-open his dispute and it was put in rebuttal stage XXXX, on XXXX XXXX CHIME once again denied the complaint despite the evidence/letter provided by the XXXX XXXX  XXXX as witness that the consumer XXXX XXXX did not XXXX the {$500.00} on XXXX XXXXThe response from the CHIME DISPUTE team was once again a generic computer generated response with very little or insufficient information in regards to why the dispute was denied in violation of Regulation E. CHIME DISPUTE also prompts you to upload any documents to prove the case by sending a computer generated link, however the link is broken and non functional and they send you a message saying your message was UNABLE TO BE DELIVERED, despite message confirming the documents were obtained. CHIME refuses to correct this computer generated error that affects the outcomes of consumer claims in their favor. Consumer XXXX XXXX is filling this complaint as CHIME is in direct violation of consumer rights and Regulation E.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The EXPERIAN and XXXX 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 from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX Balance : {$29000.00} XXXX XXXX  XXXX Balance : {$5200.00}
Product: Debt collection

Atlantic Recovery Solutions has been contacting me multiple times both at work and my cell phone through calls and text. On XX/XX/XXXX, I spoke with a representative and told them that they may NOT contact me until I have something sent via mail verifying the debt and that they own it. They agreed and get I receive a text on XX/XX/XXXX in which I reply with the same information and add that they may also not contact me by phone text or at work. Minutes later I receive another call from them despite the second request. I remind them that this is a violation of the FDCPA. The calls need to stop and they need to send the verification information ONLY in writing.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint today to report that I have been a victim of fraudulent activity. Following thorough research on the process to rectify the situation, I discovered that it is necessary to file an identity theft report with the Federal Trade Commission ( FTC ) at https : //www.ftc.gov. As per FCRA Section 605B, Credit Reporting Agencies ( CRAs ) are mandated to remove any items listed in an identity theft report, with reference number XXXX. Attached, please find documents supporting the removal of unauthorized accounts and inquiries from my credit report. The following items were opened without my consent : XXXX : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$150.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$10000.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$120.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$830.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX =========XXXX  : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$150.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$120.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$830.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX =========TRANSUNION : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$150.00} XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$10000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$120.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$830.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), I request the immediate removal of these accounts and inquiries associated with identity theft. Additionally, I request that necessary warnings be sent to all data furnishers.
Product: Prepaid card

On XX/XX/2023, I won an American Express prepaid gift card for {$50.00} through a game offered by the XXXX  XXXX. The XXXX  XXXX has mostly awarded XXXX prepaid gift cards through this game, and those have always worked fine. The American Express cards have always been trickierif I wanted to buy an XXXX gift card, for instance, I'd need to spend less than the full {$50.00}. But now the American Express card won't work anywhere I try it : XXXX, XXXX, XXXX, XXXX, XXXX, etc. When I call them, they cite " security '' as a reason the card won't work on XXXX. But XXXX is America 's largest online retailer by some margin. American Express says on its website that cards " may be used virtually anywhere in the U.S. that accept American Express Cards. '' A reasonable consumer would certainly expect this to include XXXX, let alone XXXX, XXXX, XXXX, and XXXX. I would like them to just send me the moneyI have already spent more than {$50.00} worth of time addressing the problem but I imagine they are just sitting there happily collecting interest based on other people 's money that they have made difficult to access in the name of " security. '' ( Their customer service hotline even includes an unusual exercise in the name of " security, '' where you have to push the correct number. This is not a something legitimate financial services providers do when you call their customer service numbers. )
Product: Debt collection

I get behind on my payments due to lack of work and repairing the vehicle. I already paid the initial price for the car, {$16000.00}, and Exeter finance always call and harrass me..they disrespects me and threatened me to take my car ... interest rate is high and they won't refinance my vehicle.
Product: Credit card or prepaid card

I have requested documentation of the nature of violation of agreement that has been violated. As a consumer I have the right to review the action taken to close my account and withhold my funds. I would believe that the first step in stating a consumer has violated an agreement would be to notify the consumer as to the violation that has been committed so that the legitimacy that ( I ) XXXX XXXX ( card holder ) was not a victim of identity theft. This measure would give the card holder the opportunity to review actions placed against them are accurate. 


BELOW IS A COPY OF THE EMAIL FROM THE COMPANY : Venmo regarding request # XXXX Hello XXXX, Thank you for reaching out. 

While we encourage the use of Venmo, we must ensure all users abide by our User Agreement. After reviewing your inquiries and account activity, we have found that your actions and activity have been in violation of this agreement. 

As a result, your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do, it is to help improve the safety of the Venmo community. Note that creation of a new account will not change this decision. 

The funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. 

If you have questions regarding this decision, please note that we do not divulge our decision-making criteria in order to protect the systems that monitor activity on Venmo. 

Regards, XXXX XXXX. | Account Specialist | Venmo Venmo is a service of XXXX XXXX XXXX, a licensed provider of money transfer services. All money transmission is provided by XXXX XXXX XXXX pursuant to XXXX XXXX XXXX licenses. 

XXXX is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report. 

I also sent a vaildation to Bankruptcy court and they stated that they don't report date to a 3rd party furnisher or company .. So it's impossible for them to hold this on my credit after the fact all of my info have a security freeze on it with all 3rd party furnishers.. 
XXXX XXXX XXXX XXXX XXXX  XXXX Please help
Product: Credit reporting or other personal consumer reports

According to IRS Publication 4681, canceled debt is considered a certificate of indebtedness and is also considered income. Income does not report on consumer reports. Navy Federal Credit Union and XXXX XXXX XXXX is in violation of 15 USC 1681a ( 2 ) ( a ) ( i ) : report containing information solely as to transactions or experiences between the consumer and the person making the report. Navy Federal Credit Union is reporting {$16000.00} of canceled debt that is considered income and XXXX XXXX XXXX is report {$1300.00} that is considered income. Navy Federal Credit Union and XXXX XXXX XXXX is also in violation of the Privacy Act of 1974 and I revoke all authorization given verbal, nonverbal, written, or unwritten per 15USC 6802 and am now opting out. Navy Federal Credit Union and XXXX XXXX XXXX have canceled the debt and did not send a 1099c as required by the IRS and are still trying to illegally collect on discharged debt. Because of this violation, the accounts are to be remove from my consumer report immediately due to reporting of inaccuracy. This is a last attempt to resolve the this issue as notices have been sent out on XX/XX/XXXX and have been unanswered.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting incorrect payment information for account XXXX XXXX XXXX XXXX. I have asked to see documentation of the late payment history because the company could not furnish this information. This account was also transferred to a collection agency which I have already started a payment plan with which is why it isn't reporting on my report. If the company sold this account and I am on a payment plan with the collection agency, then why is this reporting as a negative account when I am in good standing with the new company? If you can not provide the evidence behind the late payment history, you are reporting then remove this account from my credit report due to false reporting.
Product: Credit card or prepaid card

Citibank, which finances store credit card accounts for Best Buy Stores initially approved me for a credit limit of {$2000.00} in XX/XX/2023. In XX/XX/2023, after I made a sizeable payment to pay my debt down, they punished me by lowering my credit limit to {$900.00}. Which is an odd number. Also, made it look like I went from having available credit of approximately $ XXXX {$1300.00} to available credit of {$54.00}!!! They cited that I had high balances, etc but as I stated above, I received a settlement and paid down or off all of my credit cards and personal loans. Weeks later my credit score started going back up! It seems predatory to approve me for credit when I had high balances and inquiries before and now when things are trending down and I pay my bill on time every month and actually paid down all of my other debt too that they would reduce my available to a point that only left me with {$54.00} to use. Now it looks like I'm over utilizing my credit card account, which is also a misrepresentation and not fair credit reporting by any means. That's predatory to me!!!
Product: Vehicle loan or lease

In 2011 I had an auto loan with Wells Fargo on a XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was emotionally incapacitated and could not handle routine things. I did not pay my car payment on time. They would call me over and over and over again every day using multiple different numbers. I could not handle it. I finally answered the phone and tried to make a payment once it became 30 days past due. I explained the situation the the woman on the phone. She told me that it was too late to make a payment. I had to pay the entire balance or they were going to repossess my car. The balance was $ XXXX - $ XXXX. Three days before XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, they repossessed my car then sold it at auction a week later for $ XXXX less than I owed on it. They then came after me for the {$5000.00}. I ended up settling with them and had to pay them {$3500.00}. I literally wrote their Board of Directors a letter and detailed this outrageous thing that happened. They sent me a letter in return that actually said, That never happened. That would be bad business. But it DID in fact happen. I was so outraged that I went to an attorney in XXXX XXXX XXXX and talked about suing them. The attorney discouraged me and said it would be like XXXX against XXXX. I was broke, both financially and emotionally. I let it go. Ive been through so much and they compounded it exponentially with their shady and illegal business practices. 
I also just found an email verifying that the account representative I spoke to literally lied to me about a letter that Wells Fargo mailed me. I will attach that email. Its been so long and my life was in chaos. I dont know if I have any of the other letters or documents. I moved 10 times since that time and my mental health spiraled as a result of my XXXX XXXX and the financial strains.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two credit cards with XXXX  XXXX, and I am an authorized user on a family members XXXX  XXXX and XXXX card ; and all four cards are not reporting to my Equifax Consumer Report. 

I called XXXX XXXX and XXXX and they both told me that the information was sent to Equifax and to call them. I called Equifax and they told me to call XXXX XXXX and XXXX. This is very frustrating because these card are being reported on XXXX and XXXX, I highly doubt they would send the information to just two bureaus and not the other.
Product: Credit reporting, credit repair services, or other personal consumer reports

I accord with the Fair Credit Reporting Act, the list of accounts below are violating my federally protected consumer rights to privacy and confidentiality under Title 15 USC sect. 1681, et al. 

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 15 U.S.C. 1681, section 602 ( A ) gives me the RIGHT TO PRIVACY. 
15 U.S.C. 1681, section 604 ( A ) ( 2 ) a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information- any adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I co-borrow a mortgage with XXXX since XXXX maybe, XXXX XXXX about refinancing by himself with citywide home loans in XXXX of XXXX, citywide did a hard credit pull on me without my consent ( XXXX just inquired about qualifying by himself ), I called on XX/XX/XXXX citywide home loans right away and a regional agent contacted me ( XXXX XXXX ), I asked politely to remove that pull from my credit since it was pulled without my consent, after seeing it was not removed I called XXXX again on XX/XX/XXXX and he confirmed again that according to him it was already removed, it is XXXX and the record still in my credit history. 

Thank you!
Product: Credit card or prepaid card

Capital One opened two account 's in my name without my permission using a stolen email address XXXX, It is believed that these two credit card account 's were opened on or around the same time. I am not certain of the date of account opening as I NEVER received a card from this company. I never got a call to verify that I applied for this card, and My Stolen Identification was used to open said account. Capital one confirmed the one account was fraudulent and opened due to Identity theft, however the higher balance account Capital One is purposely trying to state this is my credit card, I never applied for this account. My only email address is a Gmail address, Capital One REPORTED A FRAUDULENT ADDRESS To go along with the account. I do not have any account 's with Capital One, I do not authorize any charges on the said account 's. I have never applied, nor received any credit cards from Capital One. Regardless. I am not responsible for account 's they allowed to be open using stolen identification, Especially with Extended Fraud alerts on my credit files, and Capital one yet still is attempting to report an XXXX XXXX Address on my Credit File which I will continue to dispute as not authorized. The account ending in XXXX I was just sent a letter for as of yesterday and all the letter says is account ending XXXX We have deemed this to be your responsibility due to the activity on the account. It states - Activity on the account indicates you opened and interacted with this account. The FRAUDULENT charges totaling {$2100.00} will appear on " Your next billing statement '' Mind you I have never received any statement 's from this company either. Again I do not accept responsibility for this account. No activity is my activity. I did not open this account, I did not receive this card, and I do not accept responsibility for Fraudulent Charges. Your inquiry has been blocked off my credit file, and I will continue to report this to the FTC and Identity Theft Resources. I am not accepting responsibility. I want this account removed from my credit file. I did not apply for this account, and I did not receive any cards for this account. The email address, and Address you have listed on these accounts ARE FRAUDULENT. Not authorize, Not accepted. I did not apply, and I did not use this card. I never received any cards from your institution and I want it off my credit file. FTC Identity Theft Affidavit is attached and this has been sent to the Credit Bureaus and to the police. I will make sure I continue to dispute this account, I want Capital One to Cease and Decist. I am not Agreeing to any debt I do not own.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I, the consumer and natural person, was denied credit by XXXX  XXXX XXXX when I applied for a auto loan. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is subject to civil liability under 15 U.S.C 1692k. You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by XXXX  XXXX XXXX due to the response I received. XXXX  XXXX XXXX is in violation of 15 U.S.C 1642, U.S.C 1681m and 12 CFR 1002 because I the consumer made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX  XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have attached the settlement email I received today, even though Prosper has been paid in full per the settlement agreement as of XX/XX/XXXX. I have highlighted key points in the agreement which are being violated, since Prosper has been paid in full, per the agreement. I have also attached my bank transactions that have cleared. I have attached the credit report updated on XX/XX/XXXX, where inaccurate information has been reported, again. I have filed another CFPB complaint number XXXX against Prosper with this complaint, due to new information came in.