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

Hello, I noticed two duplicate charges on my account on XX/XX/2023, with Chime Bank and reported them to Chime on XX/XX/2023. I never authorized or recognized these charges. After almost 2 months, I received a email from Chime stating " no billing error occurred '' leaving me to pay for these fraudulent charges. Incidentally before these charges went thru, Chime sent me a txt msg saying " someone tried to use my card but they blocked it 5X before they let these fraudulent charges posted to my account even tho I never authorized them. I had nothing to do with those charges yet they determined that I am liable. How is this? This was not the first time I noticed unauthorized duplicate charges post to my Chime account. I am adamant about getting my money back and need your help please. I believe Chimes customer base has been compromised and they are aware of it, but do nothing. Please don't let Chime steal my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made every single one of my payments on time. XXXX  misapplied one of my payments on my lease and hit my credit with a late. I called them & it showed as corrected on my account. Then it just happened again last week, despite every payment being made on time. It also shows on my account that I owe a double payment, but that payment isn't due until XXXX, which makes no sense at all. They acknowledge it's wrong, but it has devastated my XXXX  & Experian credit score which hasn't been corrected.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX 700 CREDIT/HUDSON CHRY 01/20/2024 Experian HUDSON CHRYS 01/20/2024 TransUnion WFBNA AUTO 01/20/2024 TransUnion BRCLYSBANKDE 01/10/2024 TransUnion 700 CREDIT/HUDSON CHRY 01/01/2024 Experian HUDSON CHRYS 01/01/2024 TransUnion HUDSON CHRYS 11/11/2023 TransUnion 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

I asked for original information and never received any. I also told them to stop calling me.
Product: Credit reporting or other personal consumer reports

I was just able to take a look at my credit report, and am stunned and I couldnt believe my eyes when I saw all of these mistakes in reporting! 

Please investigate and take a look at these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX. 

I don't know why these companies are putting this on my credit report.I have never been delinquent on my payments with any of these people. When I called them they said I needed to just dispute it with you. 

I need you folks to fix these accounts. In the meantime, I may be denied based on all of this. Ive already tried XXXX places. Please don't leave it this way I need your help! The above accounts should be reported as positive standing I thank you for your time.
Product: Mortgage

I filed for covid forbearance during the pandemic related to lost of income per the carrington mortgage policy. I received confirmation from carrington of my acceptance into forbearance. My forbearance was scheduled to end XX/XX/2021. I contacted Carrington to begin start making mortgage payments. I was told by carrington no action needed at this time, they would contact me. This went on for several months. I would call and ask the status of my loan and was alway told the same we are working on it. Approximately XX/XX/2021 I was reported to credit bureaus as being delinquent on mortgage to date. I contacted carrington and was told I never had a forbearance. An offer was submitted by carrington to make {$7000.00} mortgage payments per month to catch loan up. I was previously paying $ XXXX month mortgage payments. This was an unreasonable payment amount. I contacted VA for assistance and was told they were unable to help me. VA did confirm I was never listed as covid forbearance by carrington. I was offered a 3 month trial payment plan of XXXX, which I have paid. My new mortgage payments from loan modification will be XXXX. 
My complaint is how did I get punished with higher monthly payments, when I followed all policy and procedures per Carrington website regarding covid forbearance? Why is my credit destroyed? It was my understanding forbearance was just a pause in payments set forth by us government. Now I have $ XXXX added to my loan plus higher monthly payment.
Product: Credit card or prepaid card

I previously had a credit card with Spirit Airlines/Bank of America . My account was in good standings and Bank of America closed my account for no reason. I later applied for another Spirit Airlines card with BOA in 2022 and was declined. I received a letter stating that BOA does not want do business with me. I have great credit and low XXXX XXXX is no reason for me to be declined. Bank of American is discriminating for no reason. When I call no one can give an answer as to why I am being declined.
Product: Student loan

My college loan should be a smaller amount because when I was going to college it was going through Sallie Mae and Sallie Mae had a class action lawsuit which overcharged us so I should have a smaller amount or no amount as far as college loans go
Product: Student loan

XXXX XXXX XXXX  I mailed a letter to MOHELA about accounts listed on my credit report and I have not received any help or response as of this date. The contents of the letter are as follows : " REQUEST FOR INFORMATION FROM MOHELA I am requesting information for the following accounts : MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX Please provide copies of the following information : All billing statements from the date of account opening A copy of the XXXX cancellation of debt if applicable Date of Last Payment It is my belief that 14 days is a reasonable amount of time to gather this information. I look forward to your complete corporation and compliance. 

Respectfully, XXXX XXXX '' I don't know what else to do or how to get the information as the call center seems to be too overwhelmed or the information is not complete.
Product: Credit reporting or other personal consumer reports

My federal student loan was officially forgiven on XX/XX/23. Mohela reported on XX/XX/23 that I have student loans on my credit reports which showed up today. 

I called today and spoke to a Mohela representative at XXXX XXXX. They have me on administrative forbearance and have not yet completed my forgiveness. They claim it is on the US Department of Education as the hold up. 

I then chatted online with studentaid.gov at XXXX XXXX  about the reason why my loan has not been processed. My transcript is here : Hi, my name is XXXX. I am reviewing your question and will help you momentarily. 
XXXX thank you XXXX XXXX  That is not something that the website would approve, that would be something that would be approved by the US Department of Education. 
XXXX XXXX XXXX  so what does that mean? 
my loan amount is {$0.00} on my dashboard That you would need to wait for the approval of the loan forgiveness from your loan servicer. 
XXXX the loan servicer says they are waiting on you XXXX XXXX  I have a letter from my servicer saying my loans are forgiven XXXX XXXX  Okay are they showing that they are forgiven on their website? 
XXXX XXXX XXXX  I have all XXXX, except for my loan status being in administrative forebearance XXXX XXXX  Mohela said they are waiting on you so they can finish the processing XXXX XXXX  That is something that your loan servicer would handle. 
XXXX XXXX  I just spoke with them and they said it is you. 
Your loan servicer would have to release that forbearance. 
XXXX XXXX If I do not get a resolution to this I will be contacting the Federal Trade Commission Bureau of Consumer Protection and my Senator and Congressman. This needs to be resolved and no one knows an answer. 
XXXX XXXX  That is fine if you feel that you need to do that, I have advised that your loan servicer is the one that would handle that loan forgiveness for you. 
XXXX Ok. Thank you for the information.

Please advise what I do to resolve this issue. 

Thank you, XXXX
Product: Payday loan, title loan, or personal loan

Due to Covid-19. I was placed on bed rest. That related in me lost my job and forced me to fall behind on all my bills and all other payments. The following account below are effecting my Credit report. 



Reported Late and Closed. XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2020. Account number XXXX
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a XXXX XXXX XXXX XXXX I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Product: Credit reporting

I rented a rental home through XXXX XXXX XXXX, on XXXX/XXXX/XXXX. XXXX XXXX, whose home is located at XXXX XXXX XXXX, GA XXXX, was the Agent and Property Manager. I handed him a {$500.00} deposit, and paid {$780.00} per month. He received the rental fees each month, on time. Since our lease with XXXX XXXX XXXX ended in XXXX XXXX, we were on a month-to-month basis with XXXX XXXX XXXX from XXXX XXXX until XXXX XXXX. XXXX XXXX XXXX XXXX stole my {$500.00} deposit, by refusing to return my deposit falsely claiming that I stole my own refrigerator when I moved. When in fact, XXXX XXXX came and took the rusty refrigerator to his home in XXXX XXXX. So, XXXX XXXX committed theft by conversion by not giving the rusty, unusable refrigerator to the owner. His name is XXXX XXXX, whose publicly listed address is XXXX XXXX XXXX, XXXX XXXX, New York XXXX. In XXXX XXXX, XXXX XXXX wrote a XXXX page letter XXXX with XXXX paragraph ) stating that they would manage the property for XXXX XXXX, the owner. 
XXXX never : came to the property ; completed a walk through, took pictures, spoke to us by phone/communicated at any other time until after the roof leaked. They are slum landlords who : do not return phone calls, ignored our pleas for relief, repair the leaks, and after the hurricane we had to stop using the moldy garage and place all of those items in storage. They lied and said XXXX XXXX would come view the property, from XXXX to XXXX XXXX, XXXX. He never came. Since the mold and rain ruined our ability to live peacefully, we were forced to leave. We paid faithfully, until we moving in XXXX XXXX after giving 60 days written notice. From XXXX XXXX to XXXX XXXX, we leased a property in XXXX, Georgia. XXXX XXXX XXXX XXXX hired XXXX XXXX XXXX in an attempt to blackmail me into giving {$1600.00} in unearned money. XXXX XXXX Single Family has caused me extreme financial harm including a denial of a mortgage with my credit union, due to this fake {$1600.00} debt. Although XXXX XXXX XXXX and XXXX XXXX were told not to contact me again regarding this fake debt, they have continued to do so in violation of the Fair Debt Collection Practices Act. The false debt created by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX is a carefully crafted scam to force me to pay for the roof, they refused to view or repair. This fake debt was used to harass me on my work phone at, although I told them not to contact me about this fake debt, in violation of Federal Trade Commission consumer law which : 1 ) Allows a debtor to state that they will no longer contact me or, 2 ) Allows a debtor to sue which they did not. 

They can not sue because it is a fake debt and extortion, by means of ruining my credit until I pay them the {$1600.00} I never owed. They update this fake debt each month, so that it appears to be new, which harms me further, another violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX has committed each act willfully, and backdated this claim to the same month they assumed management of the house. I signed XXXX lease with XXXX XXXX in XXXX, and nothing else. These XXXX companies are scam artists.
Product: Debt collection

XXXX XXXX XXXX sold a fraudulent debt to Vance & Huffman collection agency. The XXXX debt was fraudulently opened via identity theft. I had reached out and provided documentation ( along with the police report ) years ago proving the debt was not mine. Therefore, XXXX stopped attempting to collect. However, they've now sold the fraudulent debt to Vance & Huffman, who placed a collections account on my XXXX credit report. I notified XXXX that the debt was fraudulent, but they have not removed it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance Owed : {$1000.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX XXXX Balance Owed : {$0.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX XXXX Balance Owed : {$430.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXXXXXX XXXX Balance Owed : {$480.00} - You are reporting inaccurate information as the past due balance is wrong. Update or rather delete this erroneous account. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} - Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX Balance Owed : {$580.00} - You have been reporting inaccurate information and this is a violation please remove. 

XXXX XXXX XXXXXXXX Balance Owed : {$6500.00} - Delinquencies reported after the account was closed. This is a violation please delete. 

XXXX XXXXXXXX Balance Owed : {$380.00} - Delete this Unknown account unless you can provide me with proof of a contract with my signature. 

XXXX XXXX Balance Owed : {$460.00} - This account was taken care of with original creditor prior to going to collection, this is an Error Please remove this account. 

XXXX  XXXX Balance Owed : {$880.00} - Reporting unknown which means it's incomplete, please delete this account.
Product: Money transfer, virtual currency, or money service

I made a deposit in XXXX and the company will not return the money to me. I have my moms credit card and she lets me use it. It only has a {$300.00} limit. She lives in a different state than me, does not know how to write in English. The deposit was made in XXXX and because the card is in my moms name they will not return the money to me or let me gain access to it. They are asking for my mother to take a picture of herself holding the card and holding a written out statement that she allows it. Again she lives in a different state, she cant write in English and I have provided all my information. I have access to the account, I have the statements which show payment history, etc. They will not accept it. I was not aware when I made the deposit that it couldnt be my moms card. If that were the case, they should have just done a temporary hold or better screening method and rejected my deposit. They will not return the money to me and will not let me transfer it or anything.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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 signed up to buy an XXXX through XXXX 's website. The only option to buy the XXXX, was by using a Citizen 's loan to finance the XXXX, with no discounts. I bought the XXXX  by putting my credit card information in at the time of purchase. 

I did not hear anything for 3 months, and assumed that my credit card would be billed as normally happens with any online purchase. 

Three months later I received a notification from my bank that my credit score had dropped 100 points, from perfect at XXXX down to under XXXX. I then researched what could be the problem, which turned out to be a loan from Citizens. I went through my emails and found no emails from Citizens except for one at the time of purchase that asked if I'd like to add my credit card to their information data base for ease - it expressly did not say that it was required. I don't like to send my credit card information out without a real reason, so I had decided not to do that at the time. 

I then called Citizens and was ultimately directed to billing, who notified me on a recorded line that I had not been contacted about my late bill, either by phone or by email, and also noted that this was not normal - others had been contacted 7+ times. I then asked if I could pay my bill and if Citizens would return my credit to normal, as this seemed like a mistake on their part, and something I was willing to resolve quickly, as there had obviously been an operational issue on their side, and I didn't want my credit hurt ( I'm trying to buy my mom a house ). Citizens refused the offer and demanded that I pay immediately or they would send my account to collections ( where it apparently already was ). I ended up paying XX/XX/24 months of the " loan '' with all of the interest ( " fees '' as they call it ), hoping this would get Citizens to help me on my credit score. I then attempted to put my credit card and then debit card into their website about 10 times ( I use both still, they work ), and had one instance where it looked like it went through, so I could be automatically billed. 

Apparently their website didn't work again, and they are threatening my credit again, and are now calling me on what seems to be a daily basis, despite my balance over the next two years being 90 % paid. I have spoken to them multiple times and they refuse to 1 ) fix their website, 2 ) fix my credit, 3 ) are knowingly harassing me. 

1 ) They have called me and claim they don't know who they are calling or why. 
2 ) Have attempted to state that I am calling them when they have called me. 
3 ) Continue to hold my credit score hostage over XXXX {$100.00}. 
4 ) In holding my credit hostage and trying to force me to prepay 2 years ahead of time, are in effect charging me a usurious rate of interest ( 10 % /year over two years is what the fees equate to, which I have now paid in ~6 months, resulting in an interest rate of >40 % ).

4 ) Refuse to help amend my credit score.
Product: Credit reporting or other personal consumer reports

In accordance with the law the fair credit reporting act, the list or accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 U.S.C 1681 , section 602 A states, I have the right to privacy.

Under 15 U.S.C. 1681, section 602 A, section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 U.S.C.1681 c ( a ) ( 5 ), states no consumer reporting agency may make any report containing any of the following items of information, any other adverse items of information, other then records of convictions of crimes which antedats the reports by more then seven years.

Under 15 U.S.C. 1681-2 ( A ) ( 1 ), a persons hall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Someone has stolen my identity and has apparently opened a mortgage in my name. I 'm not sure on how how stop this, but this is not my mortgage and the debt is n't mine.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX Acct # XXXX