23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I made arrangements for my vehicle payment to be deducted from my bank account XX/XX/XXXX. I noticed when I checked my bank account that the item was returned. I then went online and made the payment XX/XX/XXXX using my bank card. The message I received online from Prestige Financial advised that the payment would post to my account XX/XX/XXXX. I received a text message XX/XX/XXXX from Prestige advising that my account was 31 days late and that I needed to make a payment. I contacted Prestige and advised that I had already made the payment. They advised that it was not posted until today XX/XX/XXXX so I was being reported for being 31 days late to the credit bureaus. I advised that this was not fair as the message I received when I made the online payment advised that it would be posted XX/XX/XXXX at which time I was only 28 days late. The person also advised that I made the payment on Saturday and that there was no one there to post the payment. I advised that this was not my problem, but now thinking back the payment was made on Friday XXXX and my receipt advises that the payment will be posted XX/XX/XXXX. I should not have to dispute something with the credit bureaus and is incorrectly reported to start with. I have had a problem with this prior as I have been reported 30 days late two times XX/XX/XXXX. I 've requested to have this information in writing on several occasions but have been advised that this could not be done. I finally did get an email advising of two months that had been reported. After reviewing my credit report they are not reporting the same months consistently with the bureaus. I feel that those months should not be reported as well as those payments were made but was posted to their account a day or two afterwards. I have disputed this information with the bureaus and have not successfully got this resolved. I feel that the two late XX/XX/XXXX needs to be removed from the credit bureaus as well. The FCRA requires that information is reported and reported accurately and must be resolved in a timely manner. I have been disputing those for over 8 months.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXX XXXX XXXX, OR XXXX These are the accounts in my name that stems from the identity theft : XXXX XXXX XXXX {$850.00} XX/XX/XXXX XXXX XXXX {$850.00} XX/XX/XXXX A copy of an FTC report listing the ACCOUNTS opened in my name is enclosed. My consumer XXXX credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer XXXX credit report, which includes the aforementioned bogus addresses. The aforementioned addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as official documentation from the US Federal Trade Commission demonstrating that the addresses listed above are all the product of fraud and identity theft.
Product: Mortgage

I 'm filing a complaint because of the lack of help and correspondences with Wells Fargo with regards to the Estate of XXXX XXXX XXXX in an effort to submit foreclosure alternative paperwork including but not limited to the completion of a possible short sale of her property in an effort to satisfy her loan obligation. Every time I send the requested documents such as her Death Certificate they keep saying that they never received it and then request the same documents over and over again stating that they never received them. I leave messages and they are not returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is a consumer credit reporting agency I had never heard of until I applied for a loan. My credit score is not perfect, but its also not as low as this site is reporting. Theres no way to file a dispute online without giving all my most personal information. It seems as though other people have also run in to this problem. It seems very suspicious. As I trust the three major credit bureaus vs one that I never knew existed until today.
Product: Student loan

I am on the SAVE plan and on Friday, XX/XX/XXXX XXXX XXXX XXXX got an email from Aidvantage that my loans have been placed into a forbearance. It stated that " While you are in this forbearance no payment is required on your account and your interest rate will be set to 0 %. This means no interest will accrue while you are in the forbearance. '' On XX/XX/XXXX I received an email from the US Department of Education that also stated that " Under this general forbearance, you do not have to make your monthly payments on your student loans, interest is not accruing However, when I log into my Federal Student Aid website and also my Aidvantage website, it says that I have an unpaid Interest of {$570.00} This interest just showed up recently and I am frustrated because I was told from both Aidvantage and the XXXX Department of Education that there would be no interest accruing while on Forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX and XXXX of 2017, Credit report shows that I made 2 late payments to American Eagle ( AEO ) in which I disputed. I always paid online monthly and expressed to the agency that the application use to crash all the time. I sent a 'Goodwill '' letter stating the entire situation on XX/XX/XXXX. The account has been paid in full without it going into collections. I just can't afford for this mark to be on my report for the next 5 years. I would appreciate more than words can ever describe if it can be removed. My credit score is very good and if its removed it will most likely be excellent, I am potentially in the process of purchasing a home and need my score to be as high as it possibly can. This mark is really hurting my credit.
Product: Mortgage

My loan was purchased by Rushmore from XXXX XXXX in XX/XX/XXXX and in doing so they changed my mortgage from a standard mortgage to a daily simple interest loan without proper consent or disclosure. 2 ) With my previous mortgage holder, I made early payments, when I received my 1st mortgage statement XX/XX/XXXX from Rushmore, they stated that a payment was not due until XXXX and all the while charged me daily interest based on the revised/undisclosed structure of the mortgage. I am requesting my loan be changed back to a standard mortgage and I be reimbursed for the amount of interest that I was overcharged based on the change in the mortgage structure. 

I had so much trouble when trying to work this out with the company so I went to the XXXX XXXX XXXX because I knew what they were doing was wrong. If this happened to me, I am sure that it has happened to many people and they may not know what to do or how to get this rectified.
Product: Checking or savings account

Their explanation, they dont want anymore relationships with me, but their delay on releasing funds, is going to cause me to lose my home. 

Their restricting accounts and telling consumers to wait for idk till it gets close.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting XXXX put 2 more negative points on my credit. Last month my credit score was XXXX, I have no late payments in over two years, yet Im constantly being given negative points. From last months XXXX to this recent score of now XXXX. After my first complaint it seems my credit is now under attack. How would I ever be able to purchase anything with these constant negative scores.
Product: Checking or savings account

Complaint Regarding Double Charge and Severe Consequences by Chime Bank To Whom It May Concern, I am writing to file a formal complaint against Chime Bank due to an improper and potentially fraudulent handling of my account, which has led to severe consequences. On XXXX XXXX, 2024, I made an online purchase on the XXXX website using my Chime debit card to buy car parts. The total amount was promptly deducted from my account, and the transaction was marked as completed. 

However, on XX/XX/year>2024, when I checked my account balance via the Chime app, I was shocked to find my account in a negative balance. Upon further investigation, I noticed that Chime had charged me again for the same transaction that had already been processed on XX/XX/XXXX. The transaction history showed the original completed transaction on XX/XX/XXXX and a XXXX  transaction with the same date ( XX/XX/XXXX ), but this one was marked as pending. It is clear that I was double-charged for a XXXX  purchase. 

I immediately contacted Chime XXXX XXXX XXXX to resolve this issue. Despite explaining the situation in detail, the representative informed me that because the XXXX  transaction was pending, I would need to wait up to XXXX days for the transaction to resolve and for the funds to be returned to my account. This response was unacceptable, as it appeared to be a system error, and I could not afford to wait XXXX days for the return of my funds, which I did not authorize to be withdrawn twice. 

After requesting to speak with a supervisor, I was told that the merchant, XXXX, had allegedly sent XXXX transactions within XXXX seconds of each other, and that the second transaction was the one causing the double charge. However, when I questioned why both transactions were not processed on the same day, instead of XXXX being held and charged XXXX days later, the supervisor could not provide a satisfactory answer. I was simply told it was likely an error and that I would still need to wait up to XXXX days for the pending transaction to be resolved. 

Because of this double charge, I was unable to fill up my car and ended up stranded in the middle of the freeway at midnight without gas. This situation placed my life at risk as I was left vulnerable to potential accidents. I had to call my insurance for towing, and they brought me to the nearest gas station where I am now stuck without access to my money. This entire ordeal has caused me significant stress, put my life in danger, and brought me immense shame. I am currently without any way to use my money and unable to even get home safely. 

I am requesting that the CFPB conduct an investigation into Chime Bank 's practices regarding this matter. Chime 's mishandling of this transaction has led to unauthorized double charges and has left me in a precarious situation without access to my funds. This experience has caused me great distress, and I urge you to look into this matter to ensure that Chime is operating in accordance with banking regulations and treating its customers fairly. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Chime Bank has closed my account for no reason. I can not get any specific details to exactly why my account was closed and Ive provided my verification documents many times as well as my name phone number XXXX and email address XXXX I have no idea why my account was closed and then sent documentation to verify my identity which is me and chime still closed my account for a routine check up which makes no sense only thing I did with my account was add {$350.00} cash and pay a ticket. I didnt purchase anything else or enroll in any business products with my chime account or change any account information. Nobody can give me a straight answer and I rely on this account for my bills and other things.
Product: Credit reporting or other personal consumer reports

In reference to CFPB Dispute XXXX I called Equifax who claim they never received any request from XXXX XXXX XXXX 

Even though I received an email from The XXXX XXXX XXXX Credit Card ( CFPB is cced ) that " We've sent a request to Equifax to change the XX/XX/2023, inquiry to a non-display inquiry. ". This letter was dated XX/XX/2023. 

I have called XXXX at least 10 times to follow-up and they say they have sent the message and will send it again. 

Equifax mentioned that they will not search to see it was misplaced or not entered into the system and that it should just be resubmitted or mailed via USPS ( by me ) till it is received!! They have no electronic means of uploading any attached documents Also XXXX XXXX have resent for the fourth time ( to my knowledge ) ... but every time instead of looking into why the XX/XX/XXXX letter was not received, they reset the waiting period to 30 days!! BECAUSE IT IS CONSIDERED A NEW REQUEST ALL OVER, So the counter is reset
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information Hey Equifax , To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 



By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify having permissible purpose of. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code Notes : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

If you have documents containing my WRITTEN INSTRUCTIONS then show proof otherwise delete this information immediately.

Please send an updated copy of my credit report to me via the CFPB portal. According to the act 15 U.S.C. Sec 1681i ( a ), there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I have reached out to credence resource management several times in efforts to validate that they are legally able to collect debt In South Carolina. This company has disregarded my request. Per the https : XXXX This company is not registered to collect debt in the state of South Carolina and has to remove this debt immediately from my credit file. This company also purchased a debt that was removed from my report months prior to re-reporting the debt and not sending information on how to dispute the debt before it was placed on my credit again. I am entitled to {$1000.00} per violation and I am demanding that the company pay immediately and remove from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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
Product: Debt collection

This letter is to formally dispute the debt you are attempting to collect from me. I am writing to inform you that your recent collection efforts have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Specifically, your actions have violated the following provisions of the FDCPA : * **12 CFR 1006.34 ( b ) ( 5 ) : ** This section prohibits you from using unfair or unconscionable means of collection, which can include harassing phone calls, misleading statements, or threats of violence.

* **12 CFR 1006.34 ( c ) ( 4 ) ( i ) : ** This section restricts the false or misleading representations you can make about a debt.

* **12 CFR 1006.34 ( d ) : ** This section limits the number of times you contact me * Unexplained charges or fees added to the * Immediately cease all communication attempts regarding this debt.

* Verify and validate the debt with documentation. 
* Remove any inaccurate information about this debt from your records. 

I am aware of my rights under the FDCPA and will not hesitate to take legal action if these violations continue.
Product: Debt collection

I have been contacted in 29 times, since XXXX XXXX, 2015 by a Company called MOHELA, XXXX XXXX XXXX, XXXX, MO XXXX. The calls are annoying. According to my son, Mohela has all the information on loan that belongs my son, not me. Yet they continue calling me. The most recent call was on XXXX/XXXX/2015 at XXXX PM. In the past two days, I have had XXXX discussions with Mohela personnel and quite clearly told them to stop calling and harassing me.
Product: Student loan

Navient 's customer service rep factually and legally misrepresented that I could not lower my monthly payment back to the minimum without defaulting on my loan, and he encouraged me to become deliquent in my repayment. Navient improperly applied a lump sum payment, when I was current and in good standing, in part to interest and against my express intent to apply it to pay down principal. Navient improperly applied late fees. Navient 's wesbite and account history is innacurate and misleading. Navient failed to adequately explain or disclose terms and allowed oral modification of the repayment, without providing sufficient explanation, in violation of the terms of the promissory note.
Product: Vehicle loan or lease

I am providing a detailed account of the discrepancies I identified in my auto loan agreement, including dates, amounts, and actions I have taken to address the matter. 


Loan Details : Loan Date : XX/XX/XXXX Account Number : XXXX Original Amount Financed : {$27000.00} XXXX : 12.24 % Finance Charge ( Documented ) : {$12000.00} Total of Payments : {$39000.00} Monthly Payment ( Documented ) : {$510.00} ( over 74 months ) XXXX XXXX and Services : {$5700.00} ( including Theft Deterrent Device, GAP Insurance, and Ultimate Platinum Protection ) Events and Actions Taken : 1. Loan Origination : On XX/XX/XXXX, I signed an auto loan agreement for {$27000.00} with an APR of 12.24 %. The contract included optional goods and services totaling {$5700.00}, including theft deterrent protection ( {$1900.00} ), GAP insurance ( {$760.00} ), and service contracts ( {$3000.00} ). These were noted as NOT required to obtain financing but were still included in the final loan amount. 

2. Identified Discrepancies : Upon reviewing the loan agreement, I identified several inconsistencies, including : The documented finance charge of {$12000.00} does not align with recalculated values, suggesting a finance charge closer to {$24000.00}. 

The monthly payment of {$510.00} appears to be understated, as recalculations show it should be {$770.00} based on the disclosed terms. 

Lack of transparency regarding the inclusion of optional services in the total amount financed. 

XXXX. Actions Taken by Me : XXXX/XXXX/XXXX I sent a formal request to Capital One Auto Finance requesting clarification and a detailed breakdown of the finance charge, APR application, and loan calculations. Then again on XX/XX/XXXX by Certified Mail this time. 

XX/XX/XXXX : I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding potential violations of the Truth in Lending Act ( TILA ). 

XX/XX/XXXX I filed a complaint with the California Department of Financial Protection and Innovation ( DFPI ) to report potential violations of Californias stricter consumer protection laws. 


Summary of Concerns : The finance charge appears to have been miscalculated or misrepresented, as the documented amount does not align with recalculated figures. 

Optional goods and services, marked as NOT required, were included in the loan, increasing the total cost without adequate disclosure. 

The mandatory arbitration clause and the sellers right to cancel clause create additional risks for the borrower.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2.XX/XX/XXXXXXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXXXXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : XXXX XXXX XXXX as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Product: Debt collection

Fair Collections & Outsourcing reports debt alleged to be mine. The company fails to provide a verification of debt letter as required upon request, nor furnished a signed contract and/or addendum related to any contracts I have signed. The company also fails to provide any contract which may have been assigned. Re : XXXX I have no knowledge of this alleged account / debt
Product: Credit reporting or other personal consumer reports

I never recognized the following inquiries this is not mine PLEASE DELETE IT NOW! or else I will file a complaint regarding this issue 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 XXXXXX/XX/XXXX