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

On XX/XX/23 I received my refund to my chime account... I went to use my card once and came back home to being logged out of my account I had an email from chime support telling me my account has been frozen and I needed to send in info confirming the deposits and myself. That afternoon I sent on the information as for by evening time my account has been closed right before closing the next moringi reached out through phone SD they verified over the phone that all the correct documentation had been submitted and they could see it I was given and id number and put through escalation I waited 24 hours and in that time frame I received several emails with the same link to upload the same documents that were already provided. I reached out again on XX/XX/23 for them to tell me my escalations a team member put in was canceled because it was not done correctly, which I has never been notified of. The team member put in another one and I was transferred to a supervisor where I was told my funds were still in my account and I just needed to send in the documentation that I had already sent in to reopen it... On XX/XX/23 I was given the runaround the whole entire day after calling three times I sent out an email and on XX/XX/23 I received another email asking for more documentation.. I responded to the email and reached out to the source whole told me to login to my account where the funds came from to verify and give them the documentation needed..as of XX/XX/23 my account is still closed and I haven't received an email back. Also it states you will be responded to within 4 hours and I wasn't receiving responses on even 24 hours I have to keep calling and still I am not provided any information. I read after 3 days the funds should be sent back to the sender.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Here is the list of items which are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting inaccurate information on my Equifax credit report. They are reporting that I was late 30 days 11 time. I was never late on this account. My payment status on my report shows current which means I have never been late. They have not provided any documentation to show proof I have been late on this account. I have asked them to remove this late payment from my account many of time and nothing has been done. I have disputed this information 6 times. Below I have uploaded supporting documents.
Product: Debt collection

XXXX/2024- Tried to call me and tell me that I owed this debt XXXX/2024- sent me a letter about this debt which I have no idea what it is and I responded that I dispute this debt and have no known knowledge of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed public filings on my credit report from XX/XX/2021 up until now, XX/XX/2021 with XXXX, XXXX  and Equifax. I have been given the run around as to who verified or added this information to my profile with XXXX. XXXX  and Equifax have not even responded to any of my dispute letters. XXXX has not shared any of that information even after reaching out to courts myself and finding out they did not report such information to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Unauthorised transactions made with my MoneyGram online account in which I had to cancel because of fraud MoneyGram refunded one but did not refund the other because they said it was picked up already by the receiver I told them I didn't authorize this so my bank charge me for it
Product: Credit card

Subject : Formal Complaint Regarding Reversed {$750.00} Statement Credit Account Holder : XXXX XXXX - XXXX XXXX XXXX XXXX ( Founder ) Card Type : AMEX Business Cash Credit Card Account Last 4 digits : XXXX Date : XX/XX/XXXXXXXX  Dear American Express Customer Service and CFPB, I am writing to formally file a complaint regarding the reversal of a {$750.00} statement credit that was previously deposited into my AMEX Business Cash credit card account. I am extremely disappointed with how this situation has been handled, especially considering the contradictory information provided by your representatives. 

Background : Statement Credit Issued : On XXXX, I received a {$750.00} statement credit as part of a promotion linked to my spending requirements. 

Confirmation of Requirement Met : Before the expiration date of the promotional period, I contacted American Express Customer Service on XX/XX/XXXX to verify the remaining amount I needed to spend to meet the promotional requirements. I was informed by the representative that I had already met the required spending threshold and that the statement credit had been appropriately posted to my account. 

Documentation : I have screenshots of the conversation with your representative confirming that the requirement was met and that the statement credit was valid and posted. 

Reversal of Credit : To my surprise, by the end of the deadline on XX/XX/XXXX of XXXX, the {$750.00} credit was reversed. The reason provided was that one of my purchases had also been reversed, and therefore, I did not meet the required spending threshold. This reversal came without any prior notice or warning, despite my proactive steps to confirm that I had met the necessary requirements. 

My Concerns : Contradictory Information : I was explicitly told by an American Express representative that I had met the spending requirements. This misinformation led me to believe that the {$750.00} credit was secure. 

Lack of Transparency : The reversal of the credit was done without any prior notice or further explanation, which has caused unnecessary confusion and financial inconvenience. 

Documentation : I have kept records of all communications, including the screenshots of the confirmation from your representative. I feel that I have been misled, and this has caused a significant inconvenience to my business operations. 

I have been a loyal American Express customer, and I trust that you will handle this matter promptly and fairly. I look forward to a resolution at your earliest convenience. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX. 
Address : XXXX XXXX  XXXX XXXX XXXX XXXX, Tx XXXX Last 4 of my SSN : XXXX Date of Birth : XX/XX/XXXX PERMISSABLE PURPOSE LETTER Equifax Experian Transunion RE : Last 4 SSN : XXXX To whom it may concern, I, XXXX XXXX XXXX XXXX never gave Experian, Transunion, Equifax any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached to this dispute.

You also do not have any permissible purpose to furnish my personal information to any third party.

15 US 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

To all parties involved, EXPERIAN TRANSUNION XXXX XXXXXXXX XXXX XXXX, this is a cease and desist order. Remove fraudulent debt from my consumer reports within 30 days. 
As a consumer, I am demanding the deletion of the following account ( XXXX ). 
Names : XXXX XXXX ID # : XXXX XXXX T XXXX ID # : XXXX XXXX XXXX ID # : XXXX XXXX T XXXX ID # : XXXX Change XXXX ID # : XXXX XXXX XXXX  ID # : XXXX Addresses : XXXX XXXX XXXX. XXXX XXXX Tx, XXXX ; ID # : XXXX XXXX XXXX XXXX. XXXX XXXX Tx, XXXX ; ID # : XXXX XXXX XXXX XXXX. XXXX XXXX Tx, XXXX ; ID # : XXXX XXXX XXXX XXXX. XXXX Tx, XXXX ; ID # : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Tx XXXX XXXX ; ID # ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Tx, XXXX XXXX ID # : XXXX Collections : XXXX  XXXX XXXX XX/XX/XXXX ; Total : {$480.00} Collection XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX {$1300.00} XXXX  XXXX XXXX XXXXXXXX XX/XX/XXXX ; Total : {$1200.00} XXXX XXXX  XXXX XX/XX/XXXX ; Total : {$640.00} XXXX XXXX XXXX XXXX XX/XX/XXXX ; Total : {$0.00} XXXX XXXX XXXX XX/XX/XXXX ; Total : {$2900.00} XXXX XXXX XXXX XX/XX/XXXX ; Total : {$2000.00} Hard Inquiries : XXXX  XXXX  ; Inquired on XX/XX/XXXX Again, due to the lack of my consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses. Due to me being victim of identity theft, so be it, and Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Equifax, Experian, TransUnion is in violation of 15 USC 1692c/b.

Thank You, I swear to all information provided herein, I do so under the penalty of perjury that the
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/22 I recieved a txt stating that XXXX dollars was being requested by someone on XXXX and if it was actually me who did this action. It stated it was from Chase via XXXX  fraund dept. I said no, and immediately got a call from the supposed fraund agent named XXXX. He told me to follow his instructions by going to my bank and finding the XXXX  app, to place XXXX dollars on this app.to be recieved back to me XXXX XXXX and it would be returned to me within 20 mins, to verify faurd. Within 30 mins. I called my bank and told them what happened and they said Chase wouldn't do that, well i didn't know. So they did an investigation and told me it was authorized and they wouldn't return my XXXX dollars. Now i only authorize it to come back to me and no one else. 
Sadly this is the only money i have in the world because i am an elderly person living on social security, this is devastating for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian regarding my credit report. They made it difficult trying to access it and when I spoke with XXXX ( a supervisor ), she gave me an even harder time.I was able to log in and it sent me directly to experian boost. Even though I was able to sync my bank account, it still showed " Update now '' and it would not let me pass it.
Product: Debt collection

I have requested by phone on two occasions to receive a copy of Verification of Dept owned to Portfolio Recovery Associates. LLC along with a 1099-C for Tax purposes since the original creditor sold the debt to them and most importantly the CHAIN OF ASSIGNMENT. It is all so not clear how much the debt was sold to Portfolio Recovery Associates , LLC in which may be far less than what's currently reporting on my credit report which would be a result of false reporting and fraud on the behalf of Portfolio Recovery Associates , LLC resulting in legal actions to be taken next. It is my belief that Portfolio Recovery Associates are in violation of the SECURITIZATION ACT. Which clear states that a debt can not be resold once sold. In this case the original creditor sold the debt to a trust in order to take the tax credit and the debt was resold to the collection company of a fraction of the original amount owed the original creditor thus violating the SECURITIZATION ACT.
Product: Debt collection

1 ) In approximately the fall of XX/XX/XXXX I moved from an apartment with internet serviced by XXXX to an apartment with a different ISP. XXXX did not turn off service at the old apartment in a timely way and billed me an additional {$53.00} for services I did not receive, in spite of their obligation to release me from the contract without a termination fee. 

2 ) I submitted a dispute to XXXX through XXXX on XX/XX/XXXX. I have not received any response to this in nearly two years. 

3 ) The collections debt has passed among collection companies who attempt to collect the debt, and then after I instruct them not to call me, they resell to another collection agency. These companies then report the supposed debt as a new collection account to the bureaus, which keeps the account fresh and more impactful in the determination of one 's credit score. This practice is clearly abusive and not in the spirit of the law. 

I believe the case above demonstrates a failure at all levels of the credit system we have in place, but primarily I wish to have the debt now held by AFNI , Inc. to be discharged and removed from my credit reports.
Product: Debt collection

In XX/XX/XXXX I canceled XXXX XXXX XXXX cabel, land line and internet services do to moving and at new address which was in different county this XXXX XXXX XXXX XXXX was not avalible. All XXXX XXXX XXXX equipment was returned to XXXX XXXX XXXX and balance was paid infull. 
Sometimes in earily XX/XX/XXXX I received email that new updated equipment was sent to me at my old address ( I no longer live at that address since XX/XX/XXXX ) and upon receival of this email I lived at different address and county. I immediately called XXXX XXXX XXXX to resolve this issue and I was told that it was a mistake on XXXX XXXX XXXX 's end and that it will be taken care of. Few months later I received a letter stating I was sent to collection for non returned equipment, I immediately called XXXX XXXX XXXX to resolve this issue and it was extremely difficult for them to understand what happened. I was told I will get a call back by supervisor to resolve this issue and I never did, every few days I would call back and it was taking a lot of times and frustration to explain same thing over and over again. 
At this time I was told that I was also being charged for land line that I no longer have and I was paying for it for two years and I could not be reimbursed for it but then yet again I got sent to collection for equipment not returned at address that I no longer live. All of this information is correct and it is in XXXX XXXX XXXX 's history file, it just takes someone who's willing to look in to this issue and see that two years later I was sent replacment equipment at address that I no longer live and I did not have XXXX XXXX XXXX cable and internet service since XX/XX/XXXX. The amount claimed that I owe is {$200.00} Thank you very much.
Product: Debt collection

This company Comenity bank is unwilling to accept a {$35.00} payment to close account and keep on tacking on late fees every month and billing me for late fees even though this account has been closed since XXXX. I just talked to a representative today who was unwilling to make any adjustment to the ludicrous charges that are unmerited because they refuse to come to an agreement. W spent over 45min on the phone. He took the time to listen to the last two conversations I had and still wouldnt budge. EVEN THOUGH IT WAS IN HIS POWER TO DO SO. I have never done business with a credit card company in my entire life that has so little disregard for its customer and their financial distress. Especially after that customer has paid the promotional balance in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with information listed and removed or updated them without incident. You, however, seem to claim you've verified the accuracy of the information. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need the account corrected now! 

XXXX  XXXX
Product: Mortgage

Selene finance is charging me lawyer fee due to fraudulent actions to put me in foreclosure and inspection of my home. Number 1 the bank agreed to do a modification with me. I have proof they sent me a email of the modification. Number XXXX I have proof they were pulling money out of my account, I sent checks to them and if they say they record all phone call it shows Ive been in contact with XXXX the entire time. Here are the sequences of events ; XXXX allowed me to go on a trial modification payment started ; XXXX XXXX of XXXX XXXX ( paid but the bank never pulled the money out. ) I called myself and made a payment for XXXX payment ( XX/XX/XXXX of XXXX and called back XX/XX/XXXX XXXX ) this was an error from them which I notified them and told them who I spoke too. 

XX/XX/XXXX I made a payment for XXXX, XXXX This should have covered me till XXXX. 

XXXX I was told after the fact in XXXX I needed to pay a difference of {$57.00}. 

XX/XX/XXXX I sent the modification application with another check Modification was not approved due to XXXX signature. 

I sent another modification which was emailed to me via email and sent it XX/XX/XXXX and XXXX. This is because both my partners and I were out of town. XXXX told me this was fine as long as I send it before XXXX. 

Bank told me I have XXXX in my suspense account but will not use it. 

I asked the bank can I pay for the month of XXXX they said no. You covered till XXXX that was lie. Then I was told before the can approve my loan I have to send XXXX to get the modification approved to move forward. 

I paid the XXXX XXXX sent be check from TD. Then I was told they are still waiting for a response XXXX cant make my monthly payment. After countless phone calls from me I found a representative to help me get XXXX to finally realize that payments were sent and a modification was sent as XXXX requested. Due to this Rep Im now able to make my payment and XXXX noticed I sent and sign the modification.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681 ( i ) - failing to conduct thorough investigations 15 U.S. Code 1681 ( i ) - if Equifax ignored previous evidence that you sent for your dispute!

15 U.S. Code 16810 ) - if Equifax reinserted previous information on your credit report!

15 U.S. Code 1681 ( i ) - Equifax failing to investigate a previous dispute within 30 days.

15 U.S. Code 1681 ( i ) - Equifax failing to review all relevant documents that you sent with your disputes as evidence 15 U.S. Code 1681 ( i ) - Equifax not properly conducting investigations and removing inaccurate or incomplete items
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX my XXXX XXXX showed it was closed out due to transfer and on XX/XX/XXXX it was officially transferred to Flagstar. This affected my credit but knocking it down however this was within the 60 days of transfer when credit reporting is NOT supposed to happen. This is a problem. This needs to be fixed.
Product: Mortgage

I contacted Northwest Bank in XX/XX/2023 to get a clarification on the amount owed for my monthly mortgage payment since the amount kept varying with no explanation. The customer service agent said someone would look into it and me call me back to explain. I did not receive an explanation. I contacted Northwest today because at least my last payment was credited incorrectly. And prior payments seem to be credited to principal or interest with no rhyme or reason. I was hung up on and lice chat ended several times today while trying to get answers. This company is unable to explain how my payments are credited. I'm concerned my payments will continue to be mis-applied and my loan will go into default. This is unacceptable.