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

My issue is with chime banking. On multiple occasions my accounts were accused and transactions were made that I did not authorize. On multiple occasions I have filed a dispute with chime with the disputes being investigated and denied within a 24-72 hour window for the investigation. The most recent investigation was roughly 72 hours and I had went to the stores where my stolen card was used at and all the business had camera footage of the 2 men who stole my chime credit card and they had agreed to save for this investigation. Once again my claim was denied and it was found that no error occurred with the transaction. I reached out to chime and they can not even allow me to talk to the investigation department to see what they investigated because it wasn't .y disputed transactions.
Product: Credit card

AMEX continues to charge interest on a closed account. This is the 2nd request to CFPB. I received a refund for the amount of interest being requested ; however, it is showing up once again on my monthly statement with a due date.
Product: Credit card

In XXXX of XXXX  I purchased a portable dishwasher from Wayfair using the Wayfair Citibank Credit card and when the item arrived it was damaged. I contacted Wayfair and they promptly replaced item with XXXX hassle. I purchased an additional warranty from Wayfair for {$32.00}. Upon replacement of the item the warranty for {$32.00} was canceled and should have gone back to my Citibank Wayfair credit card but never did. I contacted Wayfair on multiple occasions and was told to talk to Citibank because they already sent the funds back to Citi. Citi refused to help and told me the only way to resolve this was to open a dispute and use archaic methods of proving to them that I was " owed '' the refund. Mind you the credit card is part of Wayfair. I don't want to pay to fax or mail them proof I was owed the refund because it doesn't make sense. Wayfair emailed me and advised it was due back to me. The two companies should be able to communicate internally and determine an outcome for me instead of putting me through expensive means of getting money back to me that is mine. I want the credit for the warranty refunded and my balance settled. I have never been late, skipped a payment. They owe me the money back and they need to follow up and take care of it. I've contacted Citi many times through Chat and I only get back AI or Computer Generated messages that tell me how to dispute a transaction. They are stealing from me at this point and need to be held liable.
Product: Credit reporting or other personal consumer reports

FCRA 605B might mean we need to erase incorrect accounts from my credit report. Can you review the documents? Some of the listed accounts have wrong dates and amounts.
Product: Debt collection

I have tried to dispute this debt as it is not mine as I have no knowledge of it nor did I authorize it and it was opened without my consent and fraudulently. I have requested it be removed 3-5 times to no avail and have also frozen my credit so nothing else like this would happen to me again.
Product: Student loan

I have phoned FMS several times left many messages XXXX XXXX, Vice President of Compliance. I would like a break down on a spreadsheet showing the loan while at FMS what the Collection Costs were at the time before it transfer, Interest on Loan was before it transferred, and Principal of the loan while it was first assigned at FMS. Date of First assigned at FMS to the end break down before it was sent off to servicer for financing. I have nothing to break these costs down for my review in the attached letter. Please send requested information to me at your most earliest convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX XXXX XXXX XXXX. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
Negative Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I asked if I could get the debt validated and the customer service representative refused. Told me that this was my debt and it was my phone number. She stated that it was ashame that I took so long to pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow-up to my previous complaint in which I urgently requested the removal of fraudulent accounts and associated information that the Credit Reporting Agencies have been erroneously reporting on my Credit File. I am aware that, according to the Fair Credit Reporting Act section 605b, the Credit Bureaus are legally obligated to expunge any and all accounts and information resulting from fraudulent activities. I implore you to assist me in promptly eliminating the following items from my Credit File : XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. It is imperative to emphasize that these items are entirely unfamiliar to me and should never have been included in my Credit File. If the Credit Reporting Agencies contend that these disputed items legitimately belong to me and that they possess the legal rights to report them on my Credit File, I demand that the Credit Bureaus provide me with copies of the documents they have purportedly discovered to substantiate these claims. In the absence of such documentation, I expect nothing less than the immediate removal of the disputed items.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I mailed a dispute to Trans Union regarding XXXX account with a balance of {$320.00} that I never owned. I contacted XXXX, and they confirmed that there was no debt with my name within their records. I am requesting that Trans Union does their job accurately confirm this debt doesn't belong to me and that that bureau remove this debt from my credit report.
Product: Credit card or prepaid card

XX/XX/XXXX I reported fraud of XXXX charges XX/XX/XXXX - XX/XX/XXXX totaling {$470.00} XXXX did not know why I was charged said could be one of their 3rd party sellors USAA rep CHANGED MY REPORT from fraud to a dispute The dispute numbers that were changed from fraud are XXXX, XXXX, XXXX Everytime after when I called and asked about the fraud I reported reps reported fraud a second time and then a third time The merchants covered a lot but I WAS DOUBLED CHARGED CREDIT REVERSALS OF THE CREDIT NEVER GIVEN This is an accounting nightmare. One and a half years later XX/XX/XXXX USAA DECIDES IT WAS FRAUD AS I REPORTED USAA CLAIMS I DID NOT REPORT FRAUD XX/XX/XXXX I GOT A NEW CARD XX/XX/XXXX for unauthorized charges reported then USAA never reported
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX the letter below ( unable to attach ) was sent to Experian via certified mail regarding the account with XXXX XXXX XXXX funding and the inaccurate information that is violating my consumer rights. Experian did not conduct a through investigation and I was told only that said information was accurate. I have also reached out to XXXX and was never provided with the validity of the account in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom it may Concern, I recently ran my credit to make a new purchase and noticed a few errors on my report. I am writing to dispute information that is inaccurate and incomplete and does not meet FCRA requirements of maximum completeness and accuracy. I have listed the following errors please conduct a reasonable investigation. 


XXXX XXXX a. Account # : XXXX b. Error : Does not have permissible purpose, 15 USC 1681b, I never initiated a consumer credit transaction with this corporation. To protect my right to privacy and ensure XXXX did not share my information breaching my privacy delete and block this account These errors have caused mental strain and distress. To ensure my right to maximum accuracy please remove these accounts. 

Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

recently reviewed consumer report, there are several unauthorized accounts, inquiries, and late payments listed. As a reference, please see the below accounts, inquiries and late payments : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$510.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$26.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Payment XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Payment XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Charged-off XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Collection XXXX XXXX Inquiry XXXX XXXX InquiryXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX account number XXXXPlease investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I received my first overdraft fee in years of {$35.00} from Bank of America on XX/XX/XXXX. I made a rent payment from my BOA checking account in the amount of {$1200.00} that would not post until a later date. Unbeknownst to me, my actual account balance, including that payment, was not reflected immediately upon payment. It was my understanding that the payment would appear as pending and my available balance would be adjusted to reflect this. Because this was not the case, it appeared as though there were sufficient funds available to make additional purchases through this account. Once the payment of {$1200.00} was withdrawn from my account on XX/XX/XXXX, my account was overdrawn by the amount of {$170.00} and the aforementioned {$35.00} fee was applied. I was not able to pay this fee or negative balance until XX/XX/XXXX and had no plans to use this account until that date. However, autopay was setup with XXXX XXXX XXXX for the amount of {$50.00} every XX/XX/XXXX day of the month. There were insufficient controls in place by BOA to inhibit this charge. This was the first month that payment would be returned due to insufficient funds. Ideally, BOAs overdraft protection would prevent this. However the opposite was true. The same merchant was allowed to attempt to charge my account three times and each time BOA returned that charge to my account and collected a {$35.00} fee from my checking account without my knowledge or any attempts to inform me that this was occurring. This practice is highly predatory and intentionally misleading. I contacted two customer service representatives who informed me that BOA willingly allows merchants to do this and they do not typically inform their customers that they are being charged additional fees. In total, I have been charged {$140.00} in fees that couldve easily been avoided had I been informed by Bank of America or if BOA had processes in place to prevent this. I have held this account since XX/XX/XXXX and it is disappointing to be taken advantage of in this way. I intend to reach out to my State Attorney General to pursue resolution for the matter should BOA be unwilling.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Debt collection

I recievely had my credit pulled, and was informed that I had collection with Franklin Collection Services for an    XXXX   account that I never had. I never recieved anything from  Franklin Collection  regarding the debt, verifying the debt or proving the debt was mine.
Product: Credit card or prepaid card

I purchased two items from XXXX one of which I returned after obtaining an XXXX and return shipping label. Despite returning the item, XXXX  failed to issue a refund for the returned merchandise and was non-responsive to follow-up inquiries. I then disputed the portion of the charge for the returned merchandise with CITI, which denied the dispute based on " the merchant 's response, '' which consisted of a sales receipt for a different item, sent to a different customer, in an entirely different state ( Attachment 1 ).

I then sent a letter to CITI pointing this out and questioning how they could possibly be acting in good faith with their response ( Attachment 2 ). CITI responded with a letter stating that they had re-opened the dispute, but also stating that they had " called the merchant and spoke to XXXX, who indicated a refund was issued in the form of a gift card via email on XX/XX/2023. '' ( Attachment XXXX ). CITI did not provide any further information about their purported call with " XXXX, '' nor did they provide a copy of the purported email issuing a gift card. In fact, no " gift card '' was ever received, whether by email or otherwise, and the narrative purportedly provided by " XXXX '' is entirely fictional. 

On XX/XX/XXXX, CITI sent another letter stating that " the merchant is not willing to issue credit to your account, '' and that CITI " no longer [ has ] any additional recourse to pursue a credit for you through the dispute process. '' ( Attachment 4 ). Once again, CITI provided no support for the denial, or any evidence supporting the validity of the disputed charge. Instead, CITI appears to have taken the position that because XXXX  will not agree to voluntarily issue a refund for the properly returned merchandise, CITI will not reverse the charge. 

Because XXXX  does not dispute that the merchandise was properly returned, and has provided no evidence whatsoever of the purported " gift card '' that was never provided, CITI 's refusal to reverse this charge is unreasonable and not in good faith. I request that CITI be required to comply with their legal obligations and reverse the charge.
Product: Checking or savings account

My tax refund was deposited into my credit karma spend account. Hours later it was completely drained by XXXX sites and many things. When I reported it I was faced with blame and interrogation. This refund was for me and my daughter and to get caught up on bills. They also refuse to let me have a virtual card and cant give me a straight answer. Also tell me maybe Ill get my provisional credit and maybe my money back. Ive been bawling this ruined my life.
Product: Debt collection

I was living at an apartment that i was cosigned on for the lease.  When I moved out they came after me for the money from being on the lease but never specified what the amount of money was for. They have a huge amount of money that they are trying to collect from me that i feel i don't owe and they've never shown that i do owe them.
Product: Debt collection

The company sent me a threatening email on XX/XX/2019. The debt is over 5 yrs. old and quite frankly, I'm not even sure if I owe this money.
Product: Vehicle loan or lease

Agreed to voluntarily return recreational vehicle XXXX XXXXXXXX XXXX related to COVID crisis in exchange to remove debt and debt still remains on credit report in the amount of {$1400.00}. Received letter from company saying I owed money still after the sale of vehicle which was not discussed with me as an agreement to be owed after the fact.
Product: Checking or savings account

I received a statement or invoice from a collection agency ( XXXX XXXX XXXX ) that they were trying to collect a debt from Huntington Bank for the amount of {$310.00}. I thought it was referring to my overdraft on my account especially when I looked at the dates and they were around the end of the month, XX/XX/XXXX. I thought that was rather swift to send my overdraft to collections before the month was even out. Just now I received a call from said collections agency referring to said debt. I was confused at first then upset because I believe things like this can destroy a person 's credit and I tend to think that they are disproportionately done to selected Groups of people. Do that keeps them paying higher interest rates or aid in denying them credit. 

Anyway I filed a claim a while back because for some reason they didn't close an account when I created a new account and when the following month came I had a balance of - {$5.00}. When I authorized them to transfer that amount to create a zero balance they decided to take {$320.00} instead because the next day there was a payment of {$300.00} that hit the account. After speaking with someone from the bank they they said they would correct the problem but the payment was already made. As a good faith effort the return some bank fees. Now here we are again and they are telling me I owe them money. Why does happen right when I apply for a loan for a car?? 

Maybe I'm not considered a good customer because I don't have thousands saved in the bank. 
I would be interested to know if this a common practice and do I need to get other agencies in to find out what is going on. All I know is that this can't continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because I am a victim of identity theft of XXXX XXXX. I did not consent to them doing a hard pull on my credit report which lead to a hard inquiry. No written consent is Identity Theft according to 15 USC 1681 consumer report exclusions. The sales rep at the store assured me that I would not get an inquiry on my credit report. I did not even want to apply for the card in the 1st place because I was making the purchase with my current cashback rewards card. Also I am currently dealing with Identity theft and have a fraud alert on my credit reports. The lady insisted that I get the XXXX or XXXX XXXX card through them and that I did not have to worry about the inquiry. I have tried calling XXXX XXXX and keep getting transfered to different departments then being hung up on. The sales representative was misleading. I want these inquires removed from both TransUnion and XXXX XXXXonsumer reporting agencies. If this isn't fixed within 30 days I will seek monetary damages for my consumer rights that were violated and take legal action. I have filed a report with the FTC on this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy a car and I noticed I had damages on my credit report. According to the 15 USC 1681 law, there shouldn't be any damages on my report. This is defamation of my character.
Product: Credit reporting or other personal consumer reports

I have taken the necessary steps to dispute this inaccurate information thats reporting on my credit report through Experian 's dispute resolution process. However, despite providing supporting documentation and evidence to substantiate my claim, the inaccuracies persist, and no corrective action has been taken. Experian is reporting the LAST DAY ACTIVE as XX/XX/XXXX but equivalent has it reporting as XX/XX/XXXX and XXXX has it reporting as XX/XX/XXXX. All three cant be accurate because the get their information from the same source. This is a violation under 15 USC 1681 E ( B )