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

On XXXX XXXX, I attempted to make a purchase on my debit card from Chime. Since Chime is a financial technology, and not a bank, my checking and savings account were opened by Chime through XXXX XXXX XXXX XXXX XXXX Oklahoma. When I took a look at my account via Chime 's XXXX app,, I noticed that all my finds were depleted, and my account was overdrawn. There were XXXX withdrawal by a XXXX XXXX XXXXXXXX on XX/XX/2023 betweenXXXX XXXX XXXX XXXX XXXX, including overdraft fees of {$190.00} for a grand total of XXXX. I am including documents detailing all transactions that have taken place on the XXXX of XXXX. I did contact Chime Customer Service, and was transferred to a call center XXXX. The only action they have taken so far is issue me a new debit card, and possibly a new checking account. As for the restoration of funds, no promises were made, except for investigation of these transactions after funds have been encumbered. I had to call XXXX companies that I owed money to cancel my payment, due to my funds being depleted by the XXXX withdrawals by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed Experian credit report ; Informatioin for XXXX XXXX   XXXX ( aka XXXX  XXXX XXXX XXXX ) inaccurately shows the account as " Legally paid in full for less than the full balance '' with the note of " Election of remedy - reported by subscriber ''. This auto loan was included in a Chapter XXXX bankruptcy filed XXXX and discharged XX/XX/XXXX. I never elected any payment or settlement and the other two credit bureaus accurately show the loan was discharged in the bankruptcy. On XXXX, I submitted a dispute through Experian. The dispute was completed and closed however the " before '' and " after '' information are identical ( i.e., no update was made ) and the inaccurate information remains.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen by my XXXX. I alerted you all of this. I filed a police report, placed freezes on all credit bureau 's. The initial response was that an investigation indicated that the account did belong to me and there was no evidence of fraudulent activity on the account. Your company is right about the owner of the account. However, my personal assistant at the time, my younger brother, had access to my financial data. As apart of his job he ran errands for me that included him making purchases. Running to get me coffee, buying a piece of furniture my interior design business, etc. He had access to most of my accounts. This account was a major account that he had access to. I urge you to remove this derogatory remark from my report as I continue to work with the FTC and local law enforcement to protect my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under : 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 an account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation, here is my certified mail tracking : XXXX - XXXX Equifax - XXXX XXXX - XXXX
Product: Checking or savings account

was charging me for thing I didn't approve also breach of information without my consult .....
Product: Mortgage

As a veteran I applied to refinance my mortgage under a program to lower my mortgage payment under a program as a veteran. After accepting a fixed mortgage to get out of an adjustable rate I received an offer that would considerably lower my mortgage. It was then ( approximately 2 months ago ) I was notified the my credit report reflected the my loan was in forbearance for 2 months. I did not even have that mortgage for 2 months. My lender did a 3 way call with Freedom Mortgage who explained that this was a problem in their system. Now 2 months later I had a job offer with XXXX suddenly removed. I called them to find out about the correction which has not been made. This is also preventing a current refinance opportunity. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to XXXX XXXX CODE 15 US 1681, Which states that Credit Reporting Agencies needs to have my written permission to report this account on my behalf. THEY DO NOT OR DID NOT REACH OUT TO ME FOR PERMISSION. Please Delete. " Verified '' means that they conducted an investigation and spoke to family and friends which they DID NOT. Please Delete. 

Account - XXXX XXXX reporting in Transunion Credit Bureau and XXXX Credit Bureau. Please Delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my credit report from Ally FINANCIAL when I never got financing or even look at serviced with them. 

In accordance with the fair credit reporting act XXXX  Account # 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.
Product: Checking or savings account

Citibank closed my account without giving me any reason. When I stop by the branch, I was told that I was trying to cash invalid checks which turned out to be legit checks from my employer. Citibank still closed my account and now bank is not releasing my fund immediately. I called multiple times and I was told to wait 60-90 day to access my fund. Currently all my fund is stuck in the account and I am in dire need of cash immediately. Every-time I call, I was told same answer to wait 90 days. I called at least 5 times and stopped by branch twice without any resolution. Account closed on XX/XX/2022. 

Citibank sent check for portion of the amount which was in my account when they closed it without any reason. I am still missing USD XXXX. 

I stopped by branch at least 6 times but no solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was about 6 years ago or so I withdrew money from an atm machine outside of Bank of America in XXXX California for XXXX the machine never dispensed my money but gave me a receipt as if it did I went inside to let them know there atm machine outside was malfunctioning to find more people complaining about the same problem the bank stated they could not do anything about the situation all they said was call the number on the atm outside and they will fix it. I got on the phone and they reimbursed my account within the 24 hours or so about two weeks later I get a letter saying they are going to take that money back that they investigated and there was nothing wrong with the machine so the account was already low when they removed the money back bringing the account to a negative I went to the bank the next day to complain and they tell me the same thing they cant do anything about it and to call the number so I stopped banking with them and now I have this on my credit report as a negative
Product: Mortgage

My husband and I have a mortgage with Chase bank. They collect money and hold in escrow to pay our taxes and homeowners insurance. 
- On or about XX/XX/XXXX, I called Chase to ask them to pay a supplemental tax bill in the amount of {$2000.00} from our escrow account. They paid it. 
- In addition, they paid a second supplemental tax bill in the amount of {$11000.00}. They paid this without our consent, authorization, or knowledge. 
- This payment resulted in a shortage in our escrow account of - {$4200.00}. 
- Our monthly payment includes {$1100.00} in escrow collection, so by maintaining our regular payment, we would replenish in the 4th month - so by XX/XX/XXXX we would be positive. 
- However, they made an error in our escrow analysis. They accounted for paying the taxes they had just paid ( a payment in XX/XX/XXXX and XX/XX/XXXX ). Taxes are paid in full through XX/XX/XXXX. 
- Based on that error in escrow, they recalcualted our payment to {$6800.00}, {$1000.00} higher than our regular payment. 
- We paid our XXXX payment on time in the regular amount of {$5700.00}. Chase will not process it, because we did not pay the additional {$1000.00}. They are instead holding our money in a " suspense account. '' **How is it legal to refuse to apply our money to our mortgage account?? 
- I have called 4 - 6 times. Chase understands that no taxes are due until XX/XX/XXXX. They understand the escrow analysis is inaccurate. 
- I called again yesterday and was told they will report our mortgage as unpaid. We will have a mortgage late on our credit, which will RUIN our credit. 
** Chase is holding our FICO score hostage to collect money that is n't required. The errors are on their end, admittedly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute Under 15 U.S.C. 1681o Violation of Fair Credit Reporting Act i am writing to dispute information on my XXXX credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681o. I have identified information on my credit file that I believe is inaccurate, and I request that XXXX conduct a thorough reinvestigation and correct the disputed entry as soon as possible.

The specific issue I am disputing is as follows : XXXX XXXX XXXX  acct # XXXX late payment during COVID Under 15 U.S.C. 1681i, XXXX is required to investigate disputes, correct any inaccuracies, and notify me of the results of the investigation. If this investigation is not conducted in a timely manner, or if XXXX fails to correct the error, I will be forced to take further action, including pursuing legal remedies under 15 U.S.C. 1681o for noncompliance.
Product: Vehicle loan or lease

I purchased a lease through XXXX and paid off the lease before the end of my lease in full. I decided to turn the lease into XXXX early considering it was paid off in full and I was charged an early termination of the lease in an excessive amount of $ XXXX and now show a balance saying I owe an additional amount of {$480.00}. I feel this is not fair considering the lease was paid off and i had a credit balance of over 5k when the lease was returned and XXXX charged my account this excessive early lease termination on a lease that was paid in full and I feel, I should not have been charged that amount
Product: Credit card or prepaid card

XXXX XXXXt/Synchrony Bank charged {$1400.00} interest on a {$1600.00} balance. 
They are refusing to take it off and they are stating those were the terms. This account was opened by a vendor to pay for installing an ac in 2017. The initial amount was about {$3300.00}. Now, after a year and some change of paying it is at {$3000.00}. I spoke to the manager and she told me that there is nothing they can do!
Product: Credit reporting, credit repair services, or other personal consumer reports

Since approximately 2011 I have had issues with the credit bureau 's.  I attended XXXX XXXX XXXX with loans and grants. I only completed 1/4 of a semester. I requested a statement from the bureau on how this is correct with itemization as with loans and grants not used there is a credit that needs to be applied back. XXXX XXXXXXXX XXXX XXXXXXXX. provided the bureau with signed loan documents however that means nothing when the whole amount was not used. The department failed to provide adequate documents to justify the amount borrowed was used in full in reference to classes taken. That alone is enough to presume that this is fraud by the XXXX XXXX   XXXX XXXX and XXXX XXXX to collect money from loans and grants that was not used in full. This impacted my score greatly, caused money problems in my life, and an issue with my tax money that was owed to me. It was not proven beyond a shadow of a doubt that I owed this.
Product: Credit reporting or other personal consumer reports

In Accordance with Fair Reporting act XXXX Account # 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 instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to professional accounting with no response. I filed a complaint with this company with CFPB. Eventually, I found out the company operate s through another name, XXXX XXXX, however I have not received any response to my request to validate this debt since I am not aware and have never been aware of the debt until recently.
Product: Credit card or prepaid card

My credit card was charged for XXXX XXXX XXXX on XX/XX/2022 for the amount of {$890.00}. 

I did not authorize this charge, I live in XXXX and have work time cards and video surveillance to prove that I have not left my state during that time or within the past few months. 

I filed a dispute claim on XX/XX/2022 when I noticed the charge and on XX/XX/2022 they sent me a notice saying that I benefited from this charge and will be fully responsible.
Product: Credit reporting or other personal consumer reports

This auto loan was charged off in XXXX and written off as a profit loss which I should have received the 1099C which eradicates the debt however they refuse to send me a 1099 form even though they have this as a written off account since XXXX this account was reporting to the credit bureaus since XXXX as a closed charged off account on XXXX XXXX Trans Union told me that XXXX  XXXX XXXX removed the remark from closed and moved it to an open account which is not legal, this account is scheduled to fall off of my credit automatically on XX/XX/XXXX. This account has been closed for eight years. This account is reporting as a closed account to all other credit bureaus however now its reporting 77 current late payments. Trans UnionXXXX is reporting it as an open account with 77 missed payments impacting my credit score severely. By law it states : In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date. 2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. A creditor can not treat a payment as late without complying with this section of the law! XXXX XXXX has written this off as a profit and loss write off over 7+ years but says i'm late on payments this by law is wrong! They can not provide the required documents stated by law for a late payment to be reported as " late '' In addition attached will be the dispute results which indicated the MAX delinquency DATE IS XX/XX/XXXX, HOW can you report late payments 6 years past the MAX delinquency date? This account was written off XXXX but you report late payments XXXX?
Product: Debt collection

Hi my name is XXXX XXXX and Professional Debt Mediation Inc bought this Debt from a apartment complex that is a dissolved llc in n.c.2, Professional Debt Mediation Inc is representing that they are a attorney this is false.3, I was never notified of said Debt or given notice that I could dispute said Debt before they started reporting it to credit agencies. 4, I moved from apartment complex XX/XX/2020 during covid and was never offered a repayment plan on the correct amount I owed or offered any kind of repayment plan.5 the amount that is being reported is fraudulent and I have proof.6, when I disputed said Debt with credit reporting agencies Professional Debt Mediation Inc was reporting that this was alone my debt after I disputed they started reporting that I owed this and my husband owed this, his name isXXXX XXXX .7 this was a illegal eviction and as I said the amount being reported is about XXXX to XXXX more than I owe. Also there were charges for late fees which were illegal in the state of n.c. and selling this Debt without offering a repayment plan is illegal in n.c.. I have proof of the security deposit not being taken off and that we paid half of the last month 's rent upfront. I have receipts from the amount we paid down and I have proof of the amount social services help pay down. I also have proof of how the apartment manager of the complex who goes by several different aliases which is one reason why this hasent went to court yet, violated nc law and federal law in regards to every complaint I have stated. Among many other.
Product: Credit reporting or other personal consumer reports

Equifax has been reporting information on my credit report that is incorrect. All information should be accurate across all bureaus and I have asked for proof of accurate accounts and every letter that has been sent has not been addressed. When I called they stated that the information was verified. I asked for them to send me the information where it was verified and had my signature that I opened the account or something to prove the debt was mine. I have yet to receive anything and its been months. Ive asked to have several accounts removed form my credit report because to be honest and fair we all know they could not verify anything so they used a stall tactic but not responding period will not be tolerated.
Product: Vehicle loan or lease

Today on XX/XX/2018 I had returned a call from XXXX XXXX who claimed they wanted to help me with my default payments. When I called they hassled me to try to get family to lend me the money, telling me to " swallow my pride and ask to borrow some money '', threatened repossession, wage garnishment, and a potential lawsuit. When asked if they were planning to do these things, or if they were idle threats, the question was avoided. I explained that I had stopped making car payments because I had gotten into a car accident and all of my money ended up having to go to living expenses because of it. I also explained to them that I am only just now being reimbursed for missed wages and damages due to the accident and that I would be able to get them the majority of the money I owe them by the end of the week. I also explained that the majority of my next paycheck would be able to go to the remaining defaulted balance. They insisted that they needed it in full today or that they would send it to their national recollection department and that they " might '' garnish my wages, repossess the car, or file a lawsuit. The man did not curse at me, but continued to threaten me instead of help so I hung up on him. He has also called my father stating that he was just trying to help sort things out but at the end of the day, that wasn't the case, he just called to threaten me.
Product: Checking or savings account

I'm writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees that I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to the lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request in an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against XXXX XXXX XXXX XXXX located in XXXX, GA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting or other personal consumer reports

The XXXX account on there is a overdraft protection account my XXXX  account been closed since the data breach my card no longer works meaning I can't have a credit account getting marked late if I don't have an existing XXXX  account anymore it need to be removed my debit card as a credit card the debit card is closed
Product: Debt collection

I have requested information/ validation on this debt bearing my signature and have not received anything stating that I owe this debt. I have included numerous certified letters of dispute for validation bearing my signature have not received anything included in this complaint .Midland have repeatly responded stating that they have investigated and verified the validity of my debt and do n't even allow me to dispute their claim. I have never done business with Midland Funding, never signed a contract, nor do I owe them any money.
Product: Credit reporting or other personal consumer reports

I am officially asking you to review your data on file for me! Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 I ) and XXXX XXXX compliance standards, I challenge all inaccuracies and deficiencies of reporting. Per the FCRA and XXXX XXXX compliance standards, my profile shall be accurate and complete. Your verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile. 
Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form SYNCB ( XXXX ) - ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX