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

Inquired while inside a Chase Bank branch about third party check acceptance, policy, endorsement specifics, etc. Was assured, while there may be a temporary hold placed on funds, the check wouldn't be an issue as long as properly endorsed by all parties. Mobile deposited {$2500.00} check a few days later, properly endorsed treasury check. It was accepted, had a 7 business day hold placed on it, then eventually cleared and showed available for use in my account. When I tried to transfer funds from personal account to to business account ( also with chase ), I was told one account wasn't eligible for transfers. Called and was informed my account my was restricted, pending verification of endorsement by the third party ( person check was originally written to ). I gave them his #, and was told the # couldn't be verified, so they never even tried to call. Couple days later I went into a branch and went through the same exact process as over the phone, # couldn't be verified so they didn't call. I don't know why the # isn't verifiable by chase, and don't understand why that's my problem and can not access my funds, especially after having checked with the bank well before depositing the check, to make sure this sort of thing wouldn't happen, and being assured it would not. I've had an investment account with chase for over 7 years, have my business account with them, never been overdrawn in any account, never anything close to fraudulent or suspicious, no reason at all to be treated like a criminal, or completely brushed aside when my livelihood is at stake without access to any funds in this account. It feels like outright theft, but I don't know what I can do about it. Again, it's only {$2500.00}, but that's the difference between life and XXXX  for some of us. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights under the FCRA. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX account no. is XXXX .... 
XXXX account no. is XXXX .... 
XXXX XXXX XXXX account no. is XXXX .... 
XXXX account no. is XXXX ..... 
XXXX account no. is XXXX ..... 
XXXXXXXX XXXX  account no. is XXXX .... 
XXXX account no. is XXXX... 
XXXX account no. is XXXX ..... 

delete all these accounts or be fined {$1000.00} for each violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to get my credit report from XXXX, TransUnion or XXXX, due to inaccurate information in my reports. They also require documentation that I do not have. It is impossible to contact a live person at these agencies and I am very exasperated!
Product: Credit card or prepaid card

I pay of my Aspire credit card, and was told my late fee would be taken off, and am still being charged late fees upon late fees. As a result my card was canceled without notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/XXXX I called Trans Union to dispute an inquiry that should not be showing up on my credit report. 

I spoke with 3 representative that talked but then told me they didn't have the power to remove an inquiry. Then I was transfered to a supervision both that ended up telling me they didn't have the authority to remove an inaccurate inquiry. I was given another opportunity to speak with yet another " supervision '' and saw they were just giving me the run around treatment. 

The issues relates to Trans Unions policy of giving a consumer a 14 day window to shop for a car and rack up multiple credit inquiries but then only count all those inquires as just one single inquiry. 

I search for a truck in XXXX of last year and racked up a few inquiries from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. 

All the inquiries from XXXX XXXX  XXXX have been removed and they just show 1 inquiry but for some reason they are still showing the inquiry from XXXX XXXX XXXX XXXX which is who financed my XXXX. 

The problem is that the XXXX XXXX XXXX XXXX XXXX inquiry shows up as a " credit Union '' and not " Auto loan '' as a result their system has not removed this inquiry. 

XXXX XXXX XXXX XXXX date : XXXX XXXX 2020 XXXX XXXX inquiry date : XXXX XXXX 2020 As you can see these two inquiries for an Auto Loan that was ultimately finance by XXXX XXXX falls within the 14 days that Trans Union is supposed to only show one inquiry. 

They asked me to get a letter of deletion from XXXX XXXX when it's not their policy thats the issue rather Trans Union 's policy of counting multiple inquiries for the same auto loan as just one inquiry within a 14 day window. 

It was clear that the agents at Trans Union didn't even understand the policy or the rules of the fair credit reporting act. They have no intent to correct the inaccurate information on consumers credit files as the fair credit reporting act requires them to do ; but instead give consumers the run around transferring them to one " supervision '' after another that doesn't even understand the policy or laws.
Product: Money transfer, virtual currency, or money service

I am a XXXX XXXX XXXXr who works on a freelance basis with a number of companies such XXXX, XXXX, XXXX, XXXX XXXX. Majority of my payment were made via PayPal. And these were amounts within the {XXXX - {XXXX} range. 
However, on the XXXX of XX/XX/2021, I received a payment of {XXXX} from XXXX of these organizations, specifically XXXX XXXX, which was for tasks completed over the period of 6 months. Following that payment, I received an email from PayPal informing that after a review, they have decided to permanently limit my account due to potential risk. 
I immediately reached out to PayPal in order to have an explanation and, if needed, provide all the documents that may be required to justify this transaction. But they told me their decision were final and that my fund will be held for 180 days, without giving me any explanation. I have tried calling again and again, to no avail, my phone number has apparently been blacklisted. All the emails and messages to their support team on platforms like XXXX, XXXX were left unanswered.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX  regarding a fraudulent account that remains on my credit report despite my previous requests for its removal. This situation has caused significant distress and financial harm, and I believe it is necessary to involve the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 

According to the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 8 ) [ 1 ], XXXX XXXX  is obligated to conduct a reasonable investigation of a direct dispute when it relates to the consumer 's liability for a credit account or other debt with the furnisher. I have previously notified XXXX XXXX  about the fraudulent nature of the account and provided substantial evidence, including my driver 's license, social security card, police report, FTC ID Theft Affidavit, notarized letter, and prison release form [ 6 ]. 

In addition, under FCRA Section 609 ( e ) [ 2 ], XXXX XXXX  is required to provide records of fraudulent transactions to victims of identity theft within 30 days of receiving a request for these records. Despite my request, XXXX XXXX  has failed to comply with this requirement. 

I have made multiple attempts to resolve this issue directly with XXXX XXXX, but they have been unresponsive and have not taken any action to rectify the situation. Therefore, I am turning to the CFPB for assistance in resolving this matter. 

I kindly request that the CFPB investigate this complaint against XXXX XXXX  and take appropriate action to ensure the removal of the fraudulent account from my credit report. XXXX XXXX XXXX failure to comply with the FCRA not only violates my rights as a consumer but also has severe consequences for my financial well-being. 

I have attached all relevant documentation, including my previous correspondence with XXXX XXXX  and the supporting evidence of the fraudulent account. I trust that the CFPB will thoroughly review this complaint and work towards a resolution that is fair and just. 

Thank you for your attention to this matter. I look forward to a prompt response and the resolution of this issue.
Product: Payday loan, title loan, or personal loan

n 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: Credit reporting, credit repair services, or other personal consumer reports

Team I have had Credit monitoring service with Experian for several years and I had paid a monthly subscription fees for it. However, my subscription fees jumped to {$17.00} suddenly in XXXX. When I tried to call the customer service for an explanation and cancellation, there is a wait time of over 2 hours irrespective of the day and time of the week I call. I made several attempts trying to connect to the customer service and could never get across to them. I can not cancel my subscription online and have to rely on a non-existent customer service line.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Chime : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX United States. 

Regarding my Chime Account : # XXXX On XX/XX/2023, I used an ATM that must have had a skimmer device in it. I was a victim of Identity Theft and Grand Theft from my Chime Checking account. After the thieves obtained my debit card PIN number, they went to a XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  and took out increments of {$1000.00} out via XXXX XXXX XXXX {$5200.00} to their XXXX XXXX account name " XXXX '' and sent the money to themselves to phone number XXXX. Then they went to the ATM at the same XXXX XXXX XXXX XXXX XXXX XXXX and took out increments of {$400.00} out of the ATM totaling {$3100.00}. 

I noticed that my account was getting low and I locked my card and called Chime and reported the unauthorized charges on my account. Chime assured me that the unauthorized charges on my account would be reversed and I would receive provisional credit within 24-48 hours. 

Later that day XX/XX/2023 I went to the XXXX Police Department and filed a police and reported the unauthorized charges on my account. 

Chime was well aware of where the unauthorized charges on my account took place. 

The XXXX Police Department said they would send a police officer out to gather the surveillance video from the graveyard shift and trace the phone number that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Next Chime closed my checking and credit accounts, saying that they needed to be closed for security reasons and that I would get a check mailed out to me in 10 days for the provisional credit. 

Meanwhile, I call every day to get the status of my dispute and my provisional credit. I am now starting to move into financial hardship due to the fact that Chime will not reverse the unauthorized charges to my account. Now Chime is telling me XXXX ; y 2023 is when I can have my provisional money back. 

Meanwhile, Chime has closed all access to my accounts through online and the app. 

The situation has gone from bad to worse. So I called the detective that is working on my case and he told me to report Chime for not returning my money from fraud. I am now out {$8300.00} due to fraud and unauthorized charges on my closed Chime account. Someone help!
Product: Debt collection

Never been previously contacted by Pinnacle Credit services. Received a XXXX discharge of debt. Both XXXX and a call to them state that this is a XXXX XXXX XXXX Debt. They have refused to provide any backup. In fact, they say they have no back-up. XXXX has no record of any debt in my name or under my SSN number. By filing a XXXX, I now owe taxes on forgiveness of a debt that I do n't think they have and that they can not verify. They have refused to withdraw the XXXX which I have requested.
Product: Student loan

I have been going in loan repayment for five years. The total in federal loans I took out totaled {$7000.00}.

In the past two years alone I paid more than {$2000.00} in student loan interest alone. The loan balance was still more than {$7000.00} even after I have been making excess payments. My husband had the same loan, the same repayment schedule and paid significantly less than my interest. Because the interest is regulated by the federal rate seemingly the loans should have been identical. It was not. The only difference was I had a loan through Navient and he had a loan through XXXX.

Consumers beware they are mismanaging the interest accumulation on our loans. Thankfully I was able to refinance the loans and we will no longer be working with navient.
Product: Debt collection

In XX/XX/XXXX, my adopted daughter needed an apartment near to where she was attending college. We selected an apartment complex and management company named " XXXX XXXX '' in XXXX, TN. The management company required that I be a co-guarantor for a period of 1-year because my daughter ( XXXX XXXX ) had no established credit history. After one year, the Leasing agent informed me that I would be " automatically removed '' as a co-guarantor. No action on my part would be required after her 1st anniversary. However, to the contrary, XXXX XXXX did not remove me from their database. Subsequently to her lease anniversary, my daughter executed upon her own accord with the management company, and without my requiring my signature as a co-guarantor, a new lease. My daughter informed me that she had signed for an extension on the second lease she had executed. However, I would continue to receive emails about her late payment status and other obligations within the lease required compliance. Without success, I have telephone and written letters to the property management company. XXXX XXXX property management continued sending late payment notices. At some point, in an email response, the building manager stated that I am responsible for any successive lease obligations because the initial lease where I became a co-guarantor is " controlling. '' I notified my State 's ( Tennessee ) Consumer Affairs ( housing ) division. The Housing division informed me, the State has no jurisdiction over " private housing. '' On XX/XX/XXXX, I received a " Collections letter '' from " LTD Financial Services, '' of XXXX, TX XXXX. My daughter moved from XXXX XXXX complex in XXXX. She informs me that she did have a damage fee assessment for her dog, but she paid it. In the one year that I did act as co-guarantor, she did not have a dog. Notwithstanding, between letters, faxes, and the time thus far I have spent, in attempts to have my name removed from XXXX XXXX property management database, moreover, delete me as a co-guarantor, has unwarrantedly damaged my credit rating.
Product: Credit reporting or other personal consumer reports

TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT ( 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the payment history. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE UPDATED TO PAID AS AGREED, PAID ON TIME, NEVER LATE IMMEDIATELY. AFTER THIS INVESTIGATION, UPDATE THESE ACCOUNTS TO PAID AS AGREED, PAID ON TIME, NEVER LATE. ( XXXXXXXX XXXX XXXX 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, XXXX care credit is saying I have missing payments when payment is in good standing with no missing payment. It is setup for autopay every month and has never been late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent dispute letters via certified mail on XX/XX/2022 to Experian disputing items on my credit report that are not mine. Experian received & signed for the certified documents on " XX/XX/2022, XXXX pm. '' All proof is provided in the uploaded documents. 

Per my letters, " If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.

Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed above within 30 days from the date above this letter, then you must remove these accounts from my credit report immediately. '' Experian has failed to provide legal documentation & requested files to verify accuracy of the items in dispute within 30 days from the date of my letter, so Experian is legally required to remove the items in dispute at once. If Experian fails to comply with FCRA 15 U.S.C. 1681i, I will move forward with the process to sue Experian for " negligent & willful noncompliance. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : Open new revolving account with XXXX XXXX. Wells Fargo is the holder of the account. XX/XX/XXXX : XXXX payment to Wells Fargo/XXXX XXXX is returned. Charged {$27.00} Fee for 'returned payment '. This was not effectively communicated by Wells Fargo. XX/XX/XXXX : Payment made on XX/XX/XXXX, for XX/XX/XXXX XX/XX/XXXX : Payment made on XX/XX/XXXX for XX/XX/XXXX Decmeber XXXX : Payment made on XX/XX/XXXX for XX/XX/XXXX XX/XX/XXXX : Payment made on XX/XX/XXXX for XX/XX/XXXX XX/XX/XXXX : No payment due XX/XX/XXXX : Payment made on XX/XX/XXXX for XX/XX/XXXX. Laid off due to COVID19 XX/XX/XXXX : Payment MISSED due for XX/XX/XXXX. XX/XX/XXXX : Entered forbearance on XX/XX/XXXX. XXXX payment was TWENTY THREE DAYS LATE. When I called to catch up my XXXX payment I was told that was unnecessary as I could pay it at the end of my forbearance. XX/XX/XXXX : XX/XX/XXXX, my accounts with Wells Fargo are closed due to non payment. They report my accounts as past due. 
XX/XX/XXXX : I call and cancel my forbearance, and pay my account to current and ask why my account was closed. I was told my account was closed due to non payment. XX/XX/XXXX : I file complaints with CFPB, and three major credit bureaus. 
Credit Bureaus say they're reporting what Wells Fargo is reporting. Wells Fargo doesn't respond. XX/XX/XXXX : I receive response from Wells Fargo reporting that they made an error in closing my accounts and have corrected it at the credit bureaus. Wells Fargo says they wont correct their mistake in reporting thirty day late notice to three bureaus as they feel strongly that their system is accurate. While I agree their system is accurate -- it doesn't match reality. I had an returned payment in XXXX that Wells Fargo didn't alert me to, or charge me a late fee for. Wells Fargo was only interested in collecting late fees from me versus alerting me that my account was consistently fifteen - twenty days late. Wells Fargo states they reached out to me but can not verify a single time between XXXX - XXXX in which they spoke to me about my " late '' payment in XXXX. XX/XX/XXXX : Account REOPENED without my permission, reducing my age of credit lines. Damaging my credit report again. XX/XX/XXXX : Reduced my credit limit to MAXIMUM Utilization. Further damaging my credit report.
Product: Checking or savings account

In XXXX I received a letter from the XXXX XXXX, FL Supervisor of elections that my data including name, address, social security number had been illegally obtained in an elections database breach. I have contacted the number on the letter and was given guidance to provide this letter to all of my financial institutions and to file a police report, which I have but am still waiting on since its an ongoing investigation involving over 50,000 XXXX residents. 

In XXXX I had noticed two successive transactions from my checking account to a sportswear merchant in XXXX for {$210.00} each. Which was unusual and NFCU found the transaction to be fraudulent. 

Nothing else unusual happened until the month of XXXX when several small, successive withdrawals from my checking account to XXXX totaling {$5300.00} as well as several small, successive withdrawals to a company called XXXX, located in XXXX, totaling {$4000.00} and a single withdraw to a company called XXXX totaling {$150.00}. 

During this time my email, several online services, business website and cell phone service were also compromised. 

I have been dealing with this issue and recovering my digital accounts and getting new financial accounts and cards as well as subscribed to XXXX XXXXXXXX. My next step is hiring an attorney to help with this matter. 

NFCU has provisionally applied a credit to my checking account for the amount of {$5300.00} but has defined the amounts of {$4000.00} and {$150.00}, claiming these amounts are typical activity without suspicion of fraud. 

Several round number amounts of {$120.00}, {$220.00} and {$250.00} sent over the course of a few days to a sketchy company located in XXXX is considered typical activity. 

I am awaiting the documentation they used to conclude that these transactions are typical activity.