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

I submitted a check in the amount of {$100.00} and {$2700.00} to Chime Bank for mobile deposit. Chime accepted and deposited the check for {$100.00} and rejected the check for {$2700.00} and told me the system flagged the check as being deposited at another institution. I called to get the issue resolved and get the check cashed and the manager told me that the system flagged the check as altered. He explained to me that my mobile check deposit feature is now XXXX forever. He also told me that there is no way to fix the issue, and once this happens it is irreversible. I seems to me that I being profiled by Chime bank because of the amount of the check. I know the check was not cashed at another bank. But I do not know why Chime did not simply re-verify with the XXXX XXXX bank that the check was issued from. The check is ultimately from the Georgia Department of Revenue and is my back tax check. I do all my banking with Chime and they are making an effort to treat me unfairly because of my financial status. I know I do not normally have checks that large deposited into my account but that is not a reason to reject my state tax return and deny me from ever being able to use mobile checking again. This has caused me a lot of inconvenience because I pay all my bills through them. Now I have to set up another account, start all over, and run the risk of missing bill payments during the transition. It is unfair that online banks are able to do whatever they want simply because they do not have local offices ; their computer systems make decisions based on algorithms that are inherently biased towards the rich. Someone making a phone call to the check issuing institution would have quickly resolved this situation ; instead someone is making a final financial decision for me based on a computer mistake. I would appreciate if this type of situation comes to light and helps any of the other financially little guys like me. Thanks.
Product: Payday loan

I had gotten a payday loan thru castle payday loans they charged and debited my account for more than what was agreed and now some guy from XXXX Named XXXX XXXX XXXX XXXX XXXX is calling people and saying i gave their information as a contact person and i never did. He has constantly called them several times after i have told him they are not related to me nor did i ever put them down as a contact form. Their names are XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX have called and talked to the manager and told him this guy had been harassing these people and he said he would take care of it and hasnt. He calls them at least XXXX4 times per day and they have as well asked him to stop calling and he continues to call
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is incorrect. I have never applied for these items or gave anyone authorization to. 

XXXX XXXX {$780.00} XXXX XXXX {$810.00} XXXX XXXX XXXX {$810.00} XXXX XXXX {$780.00} XXXX XXXX XXXX {$590.00} COLLECTION XXXX {$210.00} XXXX  XXXX {$590.00}
Product: Checking or savings account

I have had a business account with Fifth Third since XXXX. This past year I have been racially profiled, and discriminated against. I am a XXXX  XXXX XXXX  every time I present a check I am insulted and derogatory remarks are made to me. 
Recently XX/XX/XXXX. I presented a business check for my XXXX  company in the amount of approx. {$7800.00}. They have cashed 3 prior checks all with scrutiny and insults.These are 203k loan checks from a lender called XXXX XXXX XXXX. The branch manager was very condescending asking where did i get this check? Is this fraud? .. I told him this is not a new transaction and a few checks have already cleared from this job Im working on. He proceeded to tell me that this check looks off and even though the check is issued by a XXXX XXXX company that I was a possible crook. He proceeded to to say how hes the branch manager and asking me these insulting questions were normal instead of looking at the transaction history or calling the bank. He gave completed deposit slip and laughed and held my check in his hands. This was not usually they wouldn't put check in drawer. I left only to find they had flag my check for fraud. I called l the bank and said I can give the contract from the lender and all paperwork they refused. Currently I am unable to conduct business and was told they must make sure Im not in a money laundering scheme to further add to insults. My work has come to a halt and my workers we are unpaid. My company is losing money everyday and unable to operate. I called the fraud department and was told it could take 30 or more days to investigate. My company will be out of business and I will lose my bank accounts and credibility I have worked for to achieve.The fact that they do not want documentations or to merely call the institution further displays their sabotage against my company for personal issues. The checks are cut on a 203k loan to the contractor and homeowner.The homeowner endorses check and contractor deposits it.This is a normal practice and one I have already completed a few times with this bank. All transactions have been a hassle and costly against my company.I am being discriminated against I know personally several contractors that bank with fifth third and do not have these complications with the exact same deposit process.If they had an issue with my deposit they could have given my check back and let me conduct business with an institution that respects small businesses. Instead of trying to destroy my company. XXXX XXXX the fraud inspector is aware and was the one claiming i may be part of a money laundering scheme and continued to deny documentation and hurl insults instead.his number is XXXX. Further he has poor communication skills dose n't answer calls while destroying companies. I have a timeline with the lending institution to complete this job. Due to the negligence and harassment and the physical interruption of my business by Fifth third bank I may lose my account and pay fines.
Product: Credit card

This is a formal complaint against Continental Finance ( XXXX XXXX ). There was an unauthorized charge on my card. I promptly reported it to my credit card company and they were very sluggish in resolving the issue. They sent out the required paperwork for me to sign to dispute the charge THREE WEEKS after I made the complaint despite the fact that I only had a limited amount of time to dispute the charge. Disgusted with the poor customer service, I withheld payment until the matter was resolved which was my right. After another 30 days had elapsed before they finally resolved the issue but had managed to add late charges of {$65.00} and even after I made the payments, they continue to mount late charges each month despite the fact that I made timely payments. 
The reason that they give is that the entire required payment including the late charges was n't paid in full. I only paid the required minimum monthly payment since the late charges were not valid since I made the required minimum monthly payment in a timely manner. I have tried to resolve this issue with the credit card issuer and their customer service agents are rude, arrogant and uncooperative. 
I am going to paid this credit card in full and close this account. 
But I want this companies ' unethical and predatory behavior on the record.
Product: Bank account or service

I opened a traditional IRA for {$6500.00} with State Farm Bank in XXXX XXXX, for tax year XXXX. The agent erroneously identified the account as a rollover. I did not notice the error until this year when I did my XXXX taxes. When I asked the agent to correct the error, she said it was too late and that I should instead amend my XXXX tax return. The bank offered to reimburse me for the nearly {$2000.00} in additional income tax, but not for any penalty or interest, nor for the additional tax I would owe for XXXX on the {$2000.00} reimbursement. I have repeatedly asked why the bank ca n't just issue me a form XXXX for XXXX, which I understand would cost them only a {$50.00} late penalty rather than {$2000.00}. To date, the only reason I have been given is that the deposit was " coded wrong. '' I do n't see anything in IRS regulations to prohibit issuance of a XXXX form XXXX now. To complicate matters, the bank decided to change the {$6500.00} IRA account I opened in XXXX XXXX, for tax year XXXX, as being for tax year XXXX. Any assistance you can offer to resolve this mess would be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXXE XXXX Potentially negative Date opened XX/XX/XXXX Balance {$18000.00} Status Open.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I received an email from XXXX XXXX  and XXXX   about a new hard inquiry into my credit. I NEVER AUTHORIZED THIS HARD PULL! 

I am in the process of buying a home and had all my credits from many lenders being pulled from XXXX XXXX XX/XX/XXXX. Which is within a 2-week time frame and so counts as one credit pull. I DID NOT AUTHORIZE ANY LENDER TO PULL MY CREDIT BEYOND THIS DATE OF XX/XX/XXXX. 

ON XX/XX/2020 I got an email saying that there was a new credit pull. I want to dispute this. This is unacceptable and I did not authorize this. I want this removed. Below is the following information about the Hard pull : Alert Type : Inquiry - New Inquiry Found On : XX/XX/2020 A new credit inquiry has appeared on your credit report. Please review the details of the alert for information that may indicate  identity theft. 
Additional Info Please review the alert. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 

SourceEXPERIAN Alert DateXXXX Inquiry DateXXXX Name XXXX Phone ( XXXX ) XXXX Business Type FR Street AddressXXXX XXXX  XXXX XXXX XXXX State CA XXXX
Product: Vehicle loan or lease

CFPB NOTE-This is not a duplicate complaint. The issue was not addressed with first or second complaint and is NOT frivolous. This is serious complaint that has not been addressed by lender. Do not delete this request please. Please send to Capital One Auto to address this issue. Thank you. 

I am disputing again, the late pay Cap One Auto is placing on my auto loan. I disputed once and they did not remove, but I wanted to provide additional information to request Cap One to remove this late payment. I do not agree with their decision. Showing the inaccurate late payment has lowered my credit score and is keeping me from purchasing a home loan due to recent late on major account. 
In 2022, I was dealing with the death of my father, and had my car totaled toward the end of the year. I worked diligently with Cap One during this time to make my payments until the insurance paid off. Once the payoff was issued to the insurance company, I was told to not make a payment until the payoff was received. I had to wait for the final amount once the payoff was posted. Technically, I was paid ahead on the loan, and certainly not late. 
Once the payoff was made, I then called Cap One Auto and was told the balance was left was just over {$100.00} to pay off the remaining balance. I was told I needed to have the money into the company by XXXX to pay off the loan. I met this requirement and paid the loan off by XXXX PST. I was not told until I disputed the late with Capital One, that I needed to make it by XXXX EST. This is ridiculous they can not correct this late, as it truly is not a late payment since I was paid ahead of the payments needed, but it was the final very small balance left due. 
It was not an intentional missed payment and does not reflect how I handle my debts. I will take this to state attorney generals office and any other attorney or consumer help to get this unwarranted late payment off my credit report. 
If Cap One Auto TRULY feels their stating me as LATE ON A PAYMENT reflects how I paid my bill to them, I request the proof from them to support the showing of this late payment. I request a copy of the conversation logs on my account and payment history. This was not a late payment due to inability to repay or ignoring this debt!
Product: Debt collection

XX/XX/XXXX   Contacted Capital One  to dispute the payments. Was not aware of this credit card and informed them that I did not apply nor receive the credit card  XX/XX/XXXX  Received letter from Capital One indicating the investigation determine that I was responsible for the balance of the credit card and demanded the payment due of {$9900.00}  XX/XX/XXXX  Received a demand letter threating to send this file to a lawyer due to non-payment (  5 pa yments past due )  XX/XX/XXXX  Received letter demanding minimum payment of {$1700.00} and stating they could send to collection  XX/XX/XXXX  Received letter agreeing for monthly payment of {$110.00}  XX/XX/XXXX  Sent a certified mail to Capital One disputing the decision that was made in  XX/XX/XXXX  and for not providing evidence that I had applied for the credit card. During that time I had loss my husband and was not in the right frame of mind to make any financial decision.    XX/XX/XXXX  Received letter fro m Capital One as accou nt was charged off and assigned to Recoveries Dept.    XX/XX/XXXX  Received letter via  XXXX   XXXX  threatening Legal actions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX continues to report false and inaccurate information on my credit report that I owe {$240.00}. I have disputed this account multiple times. This is not my account. I never used any services from this company. I am entitleded to a fair and accurate report.
Product: Debt collection

I want to XXXX  that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for a credit card through XXXX for a XXXX XXXX XXXX. I keep a freeze on my credit report until access is needed. To this end, on XX/XX/XXXX, I attempted to temporarily lift the freeze at XXXX, XXXX and Equifax. I successfully lifted the XXXX and XXXX freezes with no problem. However, I was not able to lift the Equifax freeze & the website prompted me to call XXXX. When I called, I was told it was a problem with the information given, I was asked to respond to a text to send my driver 's license. My information was allegedly updated and I was told to try again, later. I tried numerous times and called the aforementioned number several times. Each time I spoke to a different person and none of them seemed to have the notes from the previous calls. I spent nearly over XXXX hours on the phone and was never told when the problem would be corrected. I was given different complaint numbers and received no phone up calls or email acknowledgement of the calls and complaint. I tried once again to unfreeze my account XX/XX/XXXX and was still unable to lift the freeze and given the same phone number. I established an XX/XX/XXXXand need a credit card forXX/XX/XXXX This has been a barrier. I did receive XXXX different confirmation / case number during my calls : Confirmation # XXXX/ and a case number XXXX from XXXX who said the previous number was an old number. I also spoke to someone named XXXX he gave me his badge numberXX/XX/XXXX ; XXXX XXXX. XXXX. 

I really need to get this sorted out and your help will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

ATTN : CFPB RE : Inaccurate Reporting Upstart Network XX/XX/XXXXXXXX  I XXXX XXXX am filing this complaint against Upstart Network for reporting information inaccurately on my credit report. 
According to15 U.S. Code 1681- Congressional findings and statement of purpose : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
According to 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

According to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

According to 15 U.S. Code 1692e - False or misleading representations, A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
This is in reference to an account with Upstart network beginning with # XXXX. I have provided proof of the inaccuracy attached to this claim. I have contacted XXXX XXXX XXXX numerous times, and they refuse to remove this inaccurate account from my credit report. This also is a violation of my Privacy under the Privacy Act of 1974. XXXX, XXXX, and XXXX are non-affiliated which violates 15 U.S. Code 6802. Upstart Network hasn't furnished a copy of my wet signature giving them permission to share my information with any non-affiliates. Upstart Network also hasn't provided a contract between us. 
This debt is a certificate of indebtedness and has been discharged. Income isn't supposed to be listed on a credit report. Upstart Network filed a 1099 to discharge the debt and failed to send me my 1099B copy from the IRS. This is security fraud and I request compensation.
Product: Credit reporting or other personal consumer reports

There are erroneous hard inquiries from these companies on my credit 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 Wells Fargo Dealer S XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & I did not apply for these and I called XXXX and XXXX on XXXX to file a dispute, but they ignored my complaint and the hard inquiries remain.
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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit 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 XXXXXX/XX/XXXX 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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account : 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 an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit card or prepaid card

On XX/XX/XXXX I filed a claim with Wells Fargo concerning payments I made to a XXXX  for a XXXX XXXX XXXX XXXX. ( XX/XX/XXXX XXXX {$3500.00} XX/XX/XXXX {$1200.00} and XX/XX/XXXX ) .I had the XXXX  in XXXX. 
During this time prior to the XXXX  I had made a claim for something else but I had asked when can I make a claim after a transaction I want to dispute they said any time. 
I then had it in the back of my mind. 
A week after the XXXX  I told the doctor I was not happy with the results, he ignored my concern and went on said I still need to heal. I then called to file a dispute and they asked me if I spoke with the Dr to give a refund I told them no they said you should because then it will get denied, once again I ask how long to I have they once again said no time limit. 
After seeing the Dr again I asked him he said he can work on my XXXX  I don't want him to, that day when I asked him about a refund he did XXXX and I didn't care for that either, so I don't want him working on me. The XXXX XXXX, supposedly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Dr trying g to tell me there isn't enough XXXX XXXX XXXX XXXX and I don't know what I'm talking about. 
A few days after I filed the claim on XX/XX/XXXX I called to see if they needed any thing else to support my case and the Claims person not only question me but also laughed at me as I'm telling her what had happened. She then says it was denied due to the length of time I took it should have been within 120 days, I told her I was told there wasn't a time limit and I can make a claim any time she says you can but we won't investigate it.