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

On XX/XX/XXXX, I sent this message to Chime Support : Hello, I need to speak to management/supervisors/specialists immediately. Please read carefully before responding and forward to the appropriate person : I have {$230.00} worth of unauthorized purchases from XXXX *XXXX, all took place between XXXX XXXX - XXXX XXXX  on Saturday, XX/XX/XXXX. My balance was {$150.00}, it is now XXXX because of what was stolen from me. 

Note that this is the same reason I had to cancel my debit card previously and had others re-ordered in the past few months. There have been several instances recently where I have had to contact Chime because there were unauthorized XXXX XXXX purchases. Simply sending a new debit card in this case is no longer acceptable, I have serious security concerns about my account. 

__________________________ The unauthorized charges mentioned above happened about 6 weeks after I awaited a new debit card for the same reason : unauthorized XXXX and XXXX XXXX charges. 

This is the third time I've had to cancel my Chime card and order a new one. 

Since the message I sent on XX/XX/XXXX, Chime has denied my request and ignored the seriousness of the fraudulent charges. There is a well known scam going around in which people are having unauthorized XXXX and XXXX XXXX charges. There is no record of these purchases on my actual XXXX account, it only happens when I have a physical Chime Debit card. 

Chime refuses to acknowledge the seriousness of these unauthorized purchases and has not reversed any of the funds that were taken from me. There are a total of 15 unauthorized purchases and Chime refuses to compensate me for the money that was stolen from me. 

I should have a positive balance of over {$150.00}, but because Chime won't reverse the funds and won't properly investigate or secure my account, I am in the negatives through no fault of my own. 

I have had to constantly hound and message Chime support for status updates and to provide additional information. I have also had to message them out of my fear and frustration with their cavalier attitude towards my stolen money. They only send copy/paste responses that make me think I'm talking to a robot and not somebody who can assure that my money is safe and secure. 

Chime 's conduct is unacceptable and should be exposed for what they are. I want my money back immediately.
Product: Debt collection

I received an incorrect medical bill from XXXX XXXX XXXX XXXX XXXX, MN. I have told XXXX the bill is not correct. They agree with me that it is not correct. Due to bureaucractic issues, they never removed the amount owed and sent it to a third party debt collector called Reliance Resources. I have told them that this bill is not correct and I will not pay it. They continue to contact me. They have recently started to contact my wife and put bills directed at me mailed to my wife. Clearly designed to harrass me into paying an invalid bill just to get them to leave me alone.
Product: Credit card or prepaid card

I applied for a Discover Card with a credit score in the 720s. I am planning on starting a family soon, and I wanted to get a card that I could use for groceries and gas to start building my credit score. I was accepted almost instantly. They sent me the card in the mail. I called in to activate it. The agent said they would activate once they got back an XXXX IRS verification form that he emailed to me. I filled it out and was sent verification that it was completed. Two weeks later, I got an email saying discover closed my account and my credit score could be affected. I checked, and my credit score had gone down to the 680s. I called Discover, and they told me that they sent me two verification forms that they never got back and, as a result, they closed the account. I never received these forms. Ive kept every document ( physical and virtual ) Ive recovered from Discover and these forms are not in there. Additionally, they said an agent told me to upload bank statements. No agent told me any such thing.
Product: Debt collection

Hello, I would like to begin by stating that a portion of the debt is valid and I am willing to continue to pursue a settlement. 

The main cause for filing a complaint is the lack of communication with the debt collector, Credit Control Services, LLC. I have responded repeatedly to notices of the debt to begin finding a solution or settlement. However, I have not received a response from the debt collector acknowledging they have received written communication from me, or that they desire to attempt to settle the debt. Since I can not obtain any information or communication from the collector, and because a reasonable amount of time and attempts have passed to find such a solution, I am requesting that the debt be canceled and any negative items added to my credit report be retracted or withdrawn. 

I have attempted to contact Credit Control, LLC., on four ( 4 ) occasions and have attached copies of the two most recent files I have sent by USPS . 

The two most recent letters were sent by USPS on XX/XX/2020 and XX/XX/2020.
Product: Checking or savings account

I opened a personal I opened a personal in business checking account two weeks ago. Ive deposited money in both accounts. Ive used. I went to go use my debit card and all my accounts have been blocked. I called the customer service department at Citibank and was told that investigation is started for fraudulent activity. I verified my identity multiple times. Ive been on hold for up to an hour and a half at one point Speaking to five different agents regarding the outcome of whats going to happen. Ive asked for detail letters on why the accounts are being closed or why there was fraudulent activity or what what type of thing flagged the account that showed that there was fraudulent activity on the account. Ive been given minimal information. Ive been told that a letter was going to be sent out its been 14 days. I still havent received the letter. Ive called the Citibank fraudulent department. They told me that theyre still working on the investigation and that I can expect a check to be sent back to me with 180 days that seems a little bit long to me. I dont understand how the banking hold your funds for that long of a period of time when you just open the account two weeks ago theres a significant amount of money in the deposit that I transferred into that account and for them to hold onto it for that long is Just doesnt make sense to me and addition to that they keep telling me that somebodys gon na reach out to me. I have never received a phone call from Citibank. Ive never received an email from Citibank and Ive never received a letter from Citibank so its very hard for me to trust the fact that theyre going to even send back the funds in the 180 day period that they say they are because I have zero communication unless I reach out to them.
Product: Student loan

I have not worked for over 3 years and have reported this to my student loan. I filled out the form for financial forbearance and sent it in. I began receiving harassing calls from Pioneer Credit Company at which time I told them that I was out of work and could n't pay, and to please stop calling and harassing me and when I got a job I will pay. The harassing phone calls did not stop. After I stopped answering the calls they began to harass my wife and now my neighbors. They have left messages on my neighbors phone letting them know that they are trying to collect a debt from me. They are telling my wife that it is her responsibility to pay for my school debt.
Product: Checking or savings account

I suspected fraud on my account so went to a local branch XX/XX/2022. I was told to close the account and reopen another. Not a problem, but I asked the bank employee twice if it would affect my social security deposit the following day, XX/XX/XXXX. He told me not to worry. 
The deposit went into my closed account on XX/XX/XXXX, but on XX/XX/XXXX it was removed. I immediately called the bank. They told me that my account was CLOSED to deposits and withdrawls!!! The woman I spoke with changed it back and asked me if I had been in the bank that day. I told her no. She said someone had gone into my account. Interesting. And changed something. 
I had been expecting a deposit from insurance and was happy it went into the closed account @ XX/XX/XXXX. I submitted another and had been waiting for it for days. I called the bank 3 days ago and was told that my account was CLOSED to deposits. I did not ever authorize this. I need to reiterate : the social security check was still not redeposited. I would stop into the bank weekly and this banker would be obviously annoyed at me for asking if they could see if the check was going in. So, apparently, according to the supervisor at the bank someone went back into my account unbeknownst and without permission from me and shut it down. I still do not have that last deposit which was returned and almost didnt get the social security check had I not called. This is in my opinion a serious violation of my rights. I have filed a complaint with the bank and was told to speak to the branch mgr. I have called several times and am told that the mgr is out and would I like to leave a message. I do and they never call back. Unfortunately Ive got a very XXXX XXXX  this week and was unable to go in person. I fully intend to once I am better.
Product: Checking or savings account

Hello, my name is XXXX XXXX. I just opened my XXXX account yesterdayXX/XX/XXXX. My account was verified through jp Morgan Chase and now my XXXX XXXX account States that my bank is not participating. I just request to cash out {$40.00} onXX/XX/XXXX. Now I wish to know where will my money go and how can I rectify this situation asap. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

*BankruptcyXXXX  Case Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above has violated my federally protected consumer rights privacy, and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions. 

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 reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years.
Product: Debt collection

A company with the name XXXX left me a voice mail the morning of XX/XX/2021 at XXXX stating they are calling in regards to my case which is in the process of being filed against me in the county of XXXX XXXX XXXX . I was unable to take the call because I was still asleep after spending a long night taking care of my grandmother, IMMEDIATELY they begin calling my sister, my grandmother, my parents. I woke up by calls from all of them saying the XXXX XXXX Police Department called saying I am required to contact them or they will take the case further my grandmother thought I had been arrested and began crying for hours. I listen to the voice mail before calling and I believed it was a scam, the voicemail has no specifics, no company, no mention of what the debt is, no notification about the claim. Ive never received a call from this company before, Ive never been notified before of a debt being given to collections, I get a call today saying I am going to have fraud charges filed against me unless I pay. I am already homeless, I dont have money. This company made my family so concerned and made me so concerned I had to borrow money I do not have to pay off something that wasnt even in collections and I most likely would have never gone to court for. But they harassed my family, they called my last employer, they made my grandmother cry and fear that I had been arrested. And the first time I am notified of this debt until the end when it was solve was all in the matter of 3 hours. They did all of this, in three hours to collect a petty debt.
Product: Checking or savings account

On XX/XX/2023 they accepted my XXXX XXXX check. They would not allow me to transfer the money out. On XX/XX/2023 they accepted my puppys insurance check to help me pay for my puppys 5 hour XXXX after being mulled by at monstrous XXXX XXXX. My puppy died XXXX days later. Even though I explained to them that that check belonged to my XXXX yr old mother. She paid for XXXX hospital visits and XXXX. They didnt care. Capital One closed my account without telling me when or why. The account was allegedly closed yet they took check. Ive called them on a daily basis but only was transferred to a computer telling me to leave a message, name, and phone number and they will call be back within 48 hrs. Never called me. I spoke with fraud department last night. All he would tell me is my account is being investigated. I asked why and he wouldnt say.. I am XXXX months behind in my bills. They dont care.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT Bank : 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
Product: Credit reporting

Equifax is currently reporting XXXX closed student loans on my credit file from US DEPARTMENT OF EDUCATION. Both loans are older than 7 years and are still reporting on my credit file. The accounts were paid and closed XX/XX/XXXX. I looked at my credit report today and at the payment history and Equifax is reporting the loans as CA ( Collection Account ) for XX/XX/XXXX and XX/XX/XXXX - the account was paid and closed in XX/XX/XXXX so how is it being reported as collection account in XX/XX/XXXX? 
i also noticed that i was reported as 120 days past due for XX/XX/XXXX and XX/XX/XXXX! These accounts were paid and closed in XX/XX/XXXX! How are you reporting current data on a closed account that has been closed for 3 years!
Product: Money transfer, virtual currency, or money service

Invested {$33000.00} on Coinbase in a cryptocurrency XXXX and Coinbase halted trading soon after my purchase. They claim they have an internal glitch. Now they have frozen thousands of accounts that hold this coin. They have provided no customer support no timeframe to fix the problem and will not allow me to have access to my money. My coins have been frozen along with thousands of other people. They are a multi billion dollar publicly traded company how can they get by with this. XXXX days now with XXXX communication from them. What can I do? Please help me.
Product: Credit reporting or other personal consumer reports

This is a formal complaint regarding inaccurate and unlawful reporting of late payments on charged-off accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX These errors are in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates maximum possible accuracy in consumer credit reports.

I. INACCURATE REPORTING Late Payments on Charged-Off Accounts : It is widely established that once an account is charged off, reporting additional late payments is not permissible. Despite this, the aforementioned creditors have continued to report late payments after charging off the accounts. This practice is both inaccurate and misleading. 

Violation : Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure the maximum possible accuracy of information included in consumer reports.

Permissible Purpose : I do not give written consent for Equifax, XXXX, or XXXX to report these accounts or my personal information further. The reporting of these accounts without my consent constitutes an additional violation of the FCRA, specifically 15 U.S.C. 1681b, which restricts the circumstances under which consumer information may be disclosed.

II. FAILURE TO RESPOND TO DISPUTES I have previously disputed these accounts, and the credit reporting agencies failed to respond within the required 30-day period as stipulated by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). This non-compliance places your agencies in direct violation of the FCRA. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit reporting agencies are liable for failing to ensure maximum possible accuracy of consumer information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Reinforces liability for inaccurate reporting under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXir. XXXX ) : Agencies must conduct a reasonable investigation upon receiving a dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Establishes consumers right to challenge inaccuracies in credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Agencies duty to investigate disputed items thoroughly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I mailed a letter requesting an investigation about inaccurate accounts on my credit report. It has been 5 months and I still haven't received a response and these unverified account still remain on my credit report.
Product: Credit reporting

I have contacted each credit company at least 4 times and provided all of the proof that I have to verify my address as well as to make them aware that someone has been using my identity. I lost my phone which was in a carry case that included my Id, social and debit card. I canceled my card and replace the other items. I was not aware that my identity was being used until I received a statement from XXXX. I had never applied for an account with this bank. I called as soon as I got the statement and told them the account was fraudulent and they closed the account while I was on the call. From there I ordered a report only to discover countless inquires as well as a pay day loan that was not authorized by me. This has been a stressful process and I 'm trying my best to fix this situation. I keep getting the run around.
Product: Credit reporting or other personal consumer reports

On Saturday XX/XX/XXXX, I received an alert from XXXX notifying me of a significant drop in my credit score. Upon reviewing my report, I discovered incorrect information that has caused my score to plummet from over XXXX to XXXX. This error is severely impacting me both financially and emotionally, especially as I am looking to refinancing my mortgage in the near term. 

The issue pertains to an entry labeled " UNISA Inc, '' which appears to reflect a collection account for some sort of education or student loan. The account is listed as having been opened in XX/XX/XXXX and closed within a month with a collection status. I have no relationship with or knowledge of UNISA Inc in my entire life, nor have I sought any education or student loans in XXXX. To make matters more baffling, the report indicates that something occurred on XX/XX/XXXX, XXXX that exact day, I was on a flight from XXXX to XXXX, completely disconnected from any activities that could have caused this entry. This situation appears to be a clear case of fraudulent or erroneous reporting. I have already filed a dispute with XXXX, and it is worth noting that such issues have occurred exclusively only with XXXX.
Product: Debt collection

I do not owe anyone anything : called on XX/XX/2020 at XXXX XXXX : XX/XX/2020 at XXXX XXXX and XX/XX/2020 at XXXX XXXX This place called from XXXX on numerous occasion and has left voice messages. 
The guy sounded foreign- he asked if I was so and so ; I said yes and then asked if my date of birth was this and if my social security number was this and my address. I told him I do not give out information over the phone and he would not, Tell me what he was calling about ; he just kept repeating it my information.I requested that they do not call again and then I just hung up, it was scary because I havent gave my info out and I dont have any bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX XXXX and Equifax disputing accounts that are in collections on my credit report. It's been over 30 days and I have not received anything in the mail pertaining to the investigation of these accounts. In the comments section suppose to specify that accounts are in dispute. I didn't receive the investigation report.

According to 15 USC 1681 i ( a ) ( 1 ) ( A ) XXXX XXXX and Equifax has 30 days to respond to my dispute. Not responding is a violation of my rights. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX