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

I filed a claim with Chime a few days ago I filed the claim as soon as I found out that there were some authorization sections on my first I found out that my wallet was lost or stolen and then I checked my Chime XXXX account to see if everything was fine and then I found out that there were some unauthorized transactions on my account so I immediately called Chime to to have my card close and and file all dispute transactions. A few days later I receive an email stating that my claim was denied and based on the information they received I asked for that email to be sent to me. They told me that I have to wait 10 business days to get that email so I filed an appeal with Chime again and just to find out that on the same day that I filed the pill, they told me the same reason that my claim has been denied that they. They did their investigation and everything was fine. It seems like I made those transactions. I told them that my wallet was lost. My driver license was lost in another car was lost. They didnt care. I dont know what type of investigation they did that it was ultra fast within a day, and I asked him again for all the documentation they gather to, give me the decision on the claim that I filed. I also did my own investigation. I called the merchant who use my card, and I told him what happened. I gave him my debit card number but according to them, I dont have an account with them so they were not be able to release any information to me only to the account holder
Product: Debt collection

I called the Company in XXXX. I first contacted XXXX XXXX in which i was able to find out my last account with them was in XXXX and nothing since that time. I have not had service with team mobile over 14 years. further investigation team mobile has not been on my account per credit reporting for over 7 years. The company who obviously bought the debt is claiming this is a new debt as of XXXX. I have not received a original bill from them nor have I received anything in the mail pertaining to this debt they claim i owe. I called them and i requested information and i also informed the company this is a XXXX XXXX XXXX debt and per my rights and the fair credit reporting act this needs to come off my credit or a ful original documentation of the so called owed bill needs to be sent to me in its original form with accurate dates.this report as i look back in my credit reports have not been on my report for XXXX, XXXX, XXXX nor XXXX till XXXX. it creadit a negative impact at the time of purchasing a home, if this does not come off i will contact my attorney and follow pursuit in this matter, i am allowed a investigation in the matter free of chart per the fair credit act, this violates my rights in the XXXX to XXXX reporting I have also called XXXX XXXX  again for a report of my statement at of XX/XX/XXXX at XXXX if this again is not corrected i will pursue further actions
Product: Credit reporting or other personal consumer reports

When I looked at my credit report this morning, I was shocked to see inaccurate accounts listed. I dont understand how this happened. I routinely check my credit report, and this is the first time Ive noticed discrepancies. I tried refreshing my browser, hoping it was just a mistake, but the errors didnt go away. Im pleading for the documents I sent to be thoroughly reviewed so I can finally stop feeling so anxious about this.
Product: Payday loan, title loan, or personal loan

I inquired about a loan from Lending Club. They considered my inquiry as an agreement to take a loan. When I tried to cancel they refused to help me and made me get all the money back from my creditors which I promptly did. 

Lending Club claims they tried to pull the money from my account but they used the wrong account even though it was in the savings account they required me to have it in. 

Now they are saying I'm responsible for the full loan even though I complied to all their requests in a 20 day period. I have spent over 8 hours of hold time and phone calls with them trying to correct the situation and now they are trying to charge me an additional {$1500.00} above the loan amount even after they pulled the money back from my account. I'm already in debt and now {$1500.00} more in debt after paying them back for a loan I did not want. 

They are impossible to work with and get any acceptable results. This is the worst company I have ever dealt with
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lacks of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

I applied for a refinance loan for a lower rate and to pull equity out in XX/XX/2020. I have turned in every document I was asked and have been passed through no less than 5 different processors and as of XX/XX/2020 I still have not received money. In fact, I just got off the phone with the latest processor and she said it will be two more weeks minimum.! PH Loans XXXX!! 

I want to file a complaint due to the long delay in processing my loan. I am aware of the pandemic and it's effects on the process, but it should not take more than 6 months to process my loan. I am a XXXX veteran and I need that money. PH Loans is responsible for my nightmare.
Product: Mortgage

XXXX XXXX, 2016 I received the attached FHA Pre-Approval letter from XXXX XXXX of Quicken Loans for {$110000.00} of a Home for Sale Purchase Price of {$120000.00}. Her cell number is XXXX. I signed a Sales Contract, at that time, for a home @ XXXX, XXXX, OK through my realtor XXXX XXXX @ cell phone ( XXXX ) XXXX. 
I then paid the Title and Abstract Company $ XXXX. XXXX XXXX, 2016 I received a phone call from XXXX XXXX, advising that she could not pre-approve my home loan for {$110000.00} but for only {$95000.00} which is {$20000.00} less than her XXXX XXXX, 2016 pre-approval letter. This is FRAUD regarding this FHA Quicken loan. XXXX XXXX 's Licensed in State of Oklahoma is NMLS # XXXX I had already advised my apartment manager of my ending my lease XXXX XXXX, as the Title and Abstract Company scheduled the home purchase closing for that date. What can you do to correct this matter so the XXXX/XXXX/2016 Pre-approval letter for {$110000.00} is my home loan amount? Thank you.
Product: Credit card

As advertised a promotional offer of 0 % APR on balance transfers was originally offered but American Express declined with no explanation or recourse of action. This is deceptive banking and should not be tolerated! I also want this company to reverse the transaction as I requested on the phone! It was within the time frame that this transaction could have been cancelled!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, ink. ) Due to inadequate customer services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Student loan

I borrowed {$8000.00} from my former Bank Wells-Fargo to complete XXXX school in XXXX XXXX. I started making payments on the loan six months after graduation ( which was XXXX XXXX ) and even though I have been paying approximately {$93.00} per month since then, the bank applies most of my payments to interests leaving me still owing more than {$8000.00} as at today XXXX, XXXX. At this rate I feel the bank wants to keep me perpetually indebted to them. With a 9.4 % ( manipulated fixed term rate on the loan ), I feel I have been taken advantage of and I want to take the matter to court. I am not trying to get out of paying the loan, I just need to be treated fairly. Please direct me to a legal service in XXXX, Ga that can help me.
Product: Student loan

In 2007 I took out a student loan with Loan to Learn to help with my attendance at XXXX University XXXX. The loan required me to obtain cosigners and my grandparents agreed to do so ... never did we expect the scenario to turn into the nightmare that it has been. My loan is currently in a delinquency status with Loan to Learn and was passed to a debt collection agency called XXXX XXXX XXXX. I have been trying to reach an affordable amount of money that I would be able to pay toward this debt and the debt collection agency has been dictating to me what amount of money they will accept which is XXXX per month which is unfeasible for me. I did more research as to how my account became this way and it was due to the fact that my account was placed into collections as of 2007 ( which is we signed for the loan ). This information was shared with me from XXXX as well as XXXX XXXX XXXX. My grandparents ( the cosigners ) have been harassed countless times and most recently have been hung up on when speaking to representatives from Loan to Learn. The original contract/agreement states that payment is to be remitted until graduation and that after graduation my cosigners are to be removed. I have made countless calls ( and have kept the logs ) in which we ( we being Loan to Learn and XXXX XXXX XXXX ) spoke specifically about how to attack this situation so that I Can afford the payments and get this delinquency status off of the loan. I am NOT trying to escape making payments ... I am trying to make an affordable payment and that it in turn release my grandparents of this agony and stress as well as reflect as an account that is being paid on time. This loan and its company has been nothing but a headache. Neither Loan to Learn nor XXXX XXXX XXXX are willing to work with you to make repaying a debt feasible. I have even spoken with the Credit Bureaus and received instructions from them and both Loan to Learn and XXXX XXXX XXXX ignore those request as well.
Product: Checking or savings account

On XX/XX/XXXX I usually get paid on the early morning around XXXX or XXXX am and to my surprise my work check was not deposited into my account. There was a notice on the app saying that the issue would be resolved. I then called because I have to pay my bills and my rent through flex pay and that is due on the XXXX having the XXXX XXXXXXXX has really given me the security to not have to live pay check to pay check. If I cant pay this on time because of this issue I will loose the opportunity to continue to use the flex pay to pay my rent my phone ended up getting cut off because I set up an bill adjustment and I couldnt pay that because I did not receive my check. I called capital one and was advised that the issues would be resolved by the end of the day ( XX/XX/XXXX ) it is now XX/XX/XXXX and my check has yet to deposit.
Product: Credit card or prepaid card

On XX/XX/2020 I ordered flowers from a company called XXXX XXXX XXXX XXXX. The charge for the flowers and delivery was {$130.00}. The company charged me seven times for the one delivery. After the vendor did not resolve this as promised I contacted Citibank by phone. They initially issued 5 credits when it should have been 6. Over the months credits have been reversed then reinstated and at this point Citi still owes me 2 credits ( case # XXXX XXXX XXXX and case # XXXX XXXX XXXX ). These disputes have been outstanding for over 60 days and despite multiple calls and emails no-one can tell me why they can't be resolved.
Product: Money transfer, virtual currency, or money service

On XX/XX/21 I sent {$1000.00} deposit for a puppy that I never received through Capital One Bank through XXXX. I told them that I didn't know the person XXXX XXXX that I sent to this supposed person 's email XXXX on XX/XX/21 because that was the date I was supposed to receive the Bernedoodle puppy Named XXXX and I told them on XX/XX/21 that I was Scammed. Capital One bank said that the claim was denied on XX/XX/21, Then I called Capital One Bank on XX/XX/21 and I asked to speak to the Fraud department and I told them again that this was Fraud because I was Scammed and requested that they send me the transaction, which they did but was not legible at all and I also started a second complaint on the same matter on XX/XX/21 and on XX/XX/21 they denied me again. I just want my {$1000.00} deposit from Capital One Bank because I did send the money not knowing who XXXX XXXX was and I never received the puppy. If you look at my History with Capital One Bank, I never made a claim for any high dollar amount.
Product: Credit reporting or other personal consumer reports

Ive submitted the loan amount to XXXX several times and they refuse to fix it. They have my auto loan payment at XXXX but the credit limit XXXX. Ive requested them to fix and have submitted my payment information from the company several times with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel its unfair that I was not given the full benefit of my bankruptcy chapter XXXX. I already suspect my entire backruptcy was bought and sold BACK to the reporting agencies. ( XXXX, Equifax and XXXX ) I know how bankruptcy goes and none of these court ordered discharged debts should be anywhere on my credit report. These accounts are actively and inaccurately reporting as if I never filed my bankruptcy. I have been disputing accounts and monitoring multiple sites and its awful how I am being treated. I have already contacted an attorney and he will see too it I get justice.

This one particular account I will include in this report is a whole entire fraud case from XXXX! I requested XXXX Verify and validate accounts that shouldnt be reporting be cause they are DISCHARGED debt. Not charge Offs or delinquent or late. My entire credit report has been sabotaged! I demand every negative removed OFF my report. Between XXXX, Equifax and XXXX XXXX, I legit have discharged debt illegally reporting! when i dispute it, each agency comes back with a generic reason adding to the " remarks '' i disputed and chapter XXXX bankruptcy. That isnt how things are supposed to work. 
And under no circumstances should ANY credit reporting employee be allowed to alter, falsify, edit, change or modify any information on reporting documents and if requested it is the duty of that worker/reporter to properly verify and validate any account upon request. There are several inaccurate reporting accounts on my report and when I dispute this one XXXX alters it every single time. I am going to attach my evidence so others can see this and if its done to you, always speak up. XXXX will be held liable, all evidence will be forwarded to the courts. There is a such thing as a victim of malicious fraudulent reporting. And Bankruptcy debt buyers that purchase only chapter XXXX and XXXX bankruptcy debt. I have one planted as a creditor on my bankruptcy documents! 

So be VERY careful with whom you allow to file your bankruptcy! 

this account I have disputed at least 8 times change information EVERY single dispute. 
XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX Absolutely noone should be treated this way . And I plan on seeking justice. This whole ordeal is criminal! 

My son just filed a chapter XXXX and all his debt is gone! I have unknowingly been sabotaged almost 4 years now my chapter XXXX bankruptcy was never discharged because its greedy people out here that want to invest in buying and reselling discharged debt! I already know the attorney was involved because he seems to be running now. I hope someone can help me with this problem because its completely overwhelming!
Product: Checking or savings account

I am writing this complaint number one because we have been a loyal customer since 2000 and this is no way to treat customers that have been ripped off and unable to obtain financing due to issues with discrimination. This is illegal in the USA. 

Since this is a matter that involves discrimination we DEMAND THE REASON AS TO WHY WE ARE BEING LIMITED.
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 NumberXXXX Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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: Debt collection

FDCPA Violation for Incorrect Address** Your company has repeatedly used the address XXXX XXXX XXXX XXXX ny XXXX for correspondence, which is not my current or former address. This constitutes a violation of the FDCPA in the following ways : a. Failure to Provide Proper Validation Notice Under FDCPA 1692g ( a ) debt collectors must send a written validation notice to the consumers *correct* address within five days of initial communication. By using an incorrect address, you have obstructed my ability to receive this legally mandated notice, violating my right to dispute the debt under 1692g ( a ) b. Deceptive or Misleading Representation Using an incorrect address constitutes a false, deceptive, or misleading representation in connection with debt collection, violating FDCPA 1692e. This includes : - 1692e ( 2 ) ( A ) : False representation of the debts character, amount, or legal status.

- 1692e ( 10 ) : Use of deceptive means to collect or attempt to collect a debt.

c. Unfair Practices Continuing to use an incorrect address after being notified of its inaccuracy is an **unfair practice** under **FDCPA 1692f, as it imposes barriers to my ability to exercise my rights.

3. Demand for Immediate Action To resolve this matter, I demand the following actions within **30 days** of receipt of this letter : 1. **Correct my address** in your records to : 2. **Cease all collection efforts** until you validate the debt as required by law.

3. **Remove all inaccurate information** related to this debt from my credit reports ( if reported ), per **FCRA 1681i ( a ) **.

4. **Confirm in writing** that you have complied with these demands and detail the corrective steps taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope this will be resolved as soon as possible. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

XXXX XXXX XXXX sold ( 4 ) accounts and the debt associated with these credit cards to the Northland Group, aka XXXX XXXX. These cards are not mine and were opened as a result of identity theft and fraud. I have never used these cards and have never had them in my possession. I notified XXXX as such. I also provided XXXX proof that I was a victim of identity theft and each of the three credit bureaus froze my account and placed notices of such therein. Northland Group is now contacting me attempting to collect on the fraudulent accounts and obtain money under false pretenses. I have asked that they provide the same supporting information on which XXXX relied to make their original claim, but to date they have not responded. I hold XXXX and Northland Group liable as they are both in violation of FCRA.
Product: Credit card

Balance Transfer check issue from my Citi Bank Credit Card for the amount 0f {$8800.00} to XXXXXXXX XXXX Credit card. Citi Bank has recorded the charge as completed on XX/XX/year> XXXX can not find any record of receiving the check. And claim they can not do anything until I can provide a copy of the balance transfer check front and back. 

Twice Citibank will not comply with my request for a copy of the check. 
Only claiming they will mail me a copy of the check. It has been 45 days with no satisfactory results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error in my file. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$470000.00} XXXX XXXX  XXXX Balance Owed : {$470.00}
Product: Credit card or prepaid card

Around XX/XX/2020 I went to a Bank of America branch In XXXX ca. Address is XXXX XXXX XXXX XXXX XXXX. 

I came in to make a payment to my credit card since my online bill pay wasnt working. I came to the branch and while waiting in line one of the bankers suggested I make my payment at the ATM since its faster. 

I made a cash payment for {$7000.00} at the ATM and only {$500.00} was processed. I told the banker and they suggested I call customer service and after 2 months and 3 dispute cases later theyre trying to tell me they cant find a error or the extra {$6500.00} which is XXXX. I know exactly how much I put in the atm it was XXXX bills of {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two inquiries on my XXXX credit report by the following companies ; 1.  XXXX XXXX XXXX on XX/XX/2018 2. XXXX XXXX XXXX XXXX. on XX/XX/2018. 

I do not recognize any of this inquiries and I am therefore disputing them with XXXX and XXXX and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Transunion ignored my request They have never verified the information I have a code of violation that I have send ftc report for identity theft on over XXXX violation Transunion has on my report XXXX insist the account were verified but not notifying what and who validated the information I believe several infraction have been violated Following violation : 15usc 6802 15usc1681c-2 18usc10284 15usc1682g 15usc1681i 15usc1681b 15usc1681s-2. 15usc1681c2 15-1692g 15usc1692-1692p 15usc1692e Fcra sections : 609. 611. 623 Violation of law part 611 a 1 604 a 3 Violation 605 c. Violation 623 part ( a ) ( 5 ) ( B ) ( ii ) XXXX  15usc1681a2b Hard inquires 18usc1028A 15usc1601 change off accounts 31usc sec 3123 all debts are United States obligations