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

On XX/XX/XXXX of 2023 someone used my debit card information to make a purchase on the XXXX  website for a hotel room at the XXXX XXXX, in the amount of {$210.00}. During this time, specifically from XX/XX/XXXX until XX/XX/XXXX, I was several hours away from XXXX, where the XXXX XXXX is located, attending the funeral of a relative. XXXX XXXX of XXXX is the family member who passed for verification. I notified Chime on XX/XX/XXXX, once the charge was no longer in pending status, of the fraudulant charge and provided a police report number for the fraud. I also called the website where the purchase was made, on XX/XX/XXXX, and was directed by the XXXX  company to dispute the charge with my bank. I had already done that. On XX/XX/XXXX, Chime emailed me and denied my dispute but did not provide the reason for the denial or share any information that was used in their investigation to make the determination. On XX/XX/XXXX I wrote a letter to Chime and provided more details about the fraudulent charges and included other charges that were fraudulent. I explained that a former roommate was the person making the fraudulent transactions and after auditing my account statements in great detail, I also listed all the charges I was disputing and were unauthorized. In the letter I asked Chime to consider the information I provided as well as the police report and reconsider their original dispute denial. I also requested a copy of all documents and imformation that was used during the dispute investigation. From XX/XX/XXXX to XX/XX/XXXX I contacted Chime XXXX more times to follow up on my documents request and received nothing. On XX/XX/XXXX I send another letter demanding the documents and informed Chime of their XXXX XXXX violations. I was send an email on about XX/XX/XXXX with a link to access the requested documents. I was unable to open the link and have not heard from Chime to date with a solution to the broken link and fullfilment of my documents request. Listed below are the transactions that were unauthorized and fraudulant : XXXX XXXX XX/XX/XXXX {$210.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$46.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$140.00} XXXX XXXX XXXX XX/XX/XXXX {$65.00} XXXX XXXX XX/XX/XXXX {$44.00} XXXX XX/XX/XXXX {$68.00} XXXX XX/XX/XXXX {$21.00} XXXX XX/XX/XXXX {$6.00} XXXX XX/XX/XXXX {$12.00} XXXX XX/XX/XXXX {$19.00} XXXX XX/XX/XXXX {$16.00} I have requested the documents Chime used in their investigation for all the above listed disupted transactions multiple times and have never received anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXXXXXX ( XXXX ) ( XXXX ), XXXX XXXX XXXX XXXX  ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXXXXXX ( XXXX ), XXXX XXXXXXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ) has violated my rights. 

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

15 U.S.C 1681 Section 604 A section 2 : It Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I have an XXXX card issued through Comenity Bank. I told them ( XX/XX/XXXX ) to close my account, which had a XXXX balance and is never used - and I received a confirmation email from them that it had been closed. A few months later ( XX/XX/XXXX ), I received a promotional email encouraging me to use my card. When I logged into my online account, it still shows the card is open with {$2000.00} available credit. I emailed customer service and told them again to close my account. They sent me a letter stating my account had been closed as I requested in XX/XX/XXXX. A month later after getting another promotional email, I told them to close my account. They responded that to resolved the issue I had to call them. On XX/XX/XXXX, I received another promotional email encouraging me to use my card. I logged in again and my account is still active. I emailed customer service again today ( XX/XX/XXXX ) that I wanted my account closed immediately. I should not have to call and argue with an account rep who is going to use a strong-armed sales pitch to get me to keep the card.
Product: Student loan

I completed and submitted XXXX XXXX XXXX XXXX. The application was denied with a generic explanation. 
I disputed the explanation as it was without sufficient reasoning. I re-submitted additional documents to back up my request on XX/XX/XXXX. With no response as todays date I reached out to Navient customer of advocate, gave them details and was told they had no response at this time and was still looking into this. Several weeks have passed with no response. 


I am challenging the loan as the school ( XXXX ) was found to be a predatory school. The loan is thru Navient ( private loan ). 

I am contesting the loan based on 'Holder Rule ' The Federal Trade Commissions 1976 rule concerning the Preservation of Consumers Claims and Defenses ( or Holder Rule ) ensures that consumers are not held to a loan or credit obligation related to the purchase of goods or services that they did not actually receive as promised. Under the Rule, schools and colleges under the FTCs jurisdiction can not accept the proceeds of a student loan unless the loan contract contains a specific term that allows the student to raise school misconduct as a defense to repayment of the loan.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX * Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX, XXXXXXXX XXXX  ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX  XXXX XXXX XXXX, TX 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 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 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 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 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: Mortgage

Within the past 3 years SPS Servicing has been servicing my home loan. My original lender was XXXX XXXX. I have been trying for 3 years to modify my mortgage, butTime after time I am met with a request for further details and paperwork. I do not want to lose my home but I am not able to fight SPS Servicing alone. They have also refused to issue me any information regarding who actually holds my mortgage note while threatening foreclosure via mail and with notices left on my door. 

I have been working XXXX jobs in order to pay my mortgage, but they will not issue a modification so that I can afford to stay in my home. 
Please help me figure out how to save my home.
Product: Credit reporting or other personal consumer reports

I could not access my free credit report online, back in XXXX, so I contacted XXXX, experian, and XXXX over the phone. I was was unfamiliar with alot of inquiries and information regarding my address was not updated.I waited almost 30 min to an hour to speak to someone about reporting inaccuracies as far as addresses, phone numbers, etc. I was asked by each representative of each bureau would I like a security freeze, but how would I agree if I can't see any of my credit reports myself? I'm getting denial letters in the mail for things I never applied for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I few months back I contacted XXXX  in regards to fraudulent accounts one being XXXX XXXX. I sent in the necessary documents affidavit, police report. They removed the account now the account has appeared back on my report under XXXX  XXXX and XXXX allowed that. Dropping my score tremendously
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Please remove the following items from my credit report, immediately : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Balance {$26000.00} Open : XX/XX/XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX : {$780.00} Open : XX/XX/XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1500.00} Open : XX/XX/XXXX Account : XXXXXXXX XXXX Account XXXX Open XX/XX/XXXX XXXX XXXX XXXX XXXX Account : Open : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Account : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  Account : XXXX Open : XX/XX/XXXX Balance {$2500.00} XXXX XXXX Account : XXXX Open : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account : XXXX Open : XX/XX/XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX {$23000.00} Account XXXX Open XX/XX/XXXX XXXX XXXX XXXX {$0.00} Open XXXX XXXX Account XXXX XXXX  Balance {$0.00} Open XX/XX/XXXX Account XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$0.00} Open XX/XX/XXXX Account XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$0.00} Open XX/XX/XXXX Account XXXX XXXX at XXXX XXXX XXXX : {$4600.00} Open : XX/XX/XXXX Account : XXXX XXXX Balance : {$250.00} Open : XX/XX/XXXX Account : XXXX XXXX Balance : {$1000.00} Open : XX/XX/XXXX Account : XXXX TransUnionXXXX XXXX XXXX XXXX XXXXXXXX : {$150.00} Open : XX/XX/XXXX Account : XXXX XXXX Balance : {$1000.00} Open : XX/XX/XXXX Account : XXXX XXXX Balance : {$390.00} Open : XX/XX/XXXX Account XXXX XXXX XXXX : {$740.00} Open : XX/XX/XXXX Account : XXXX XXXX  Balance : {$4600.00} Open : XX/XX/XXXX Account : XXXX XXXX Balance : {$330.00} Open : XX/XX/XXXX Account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my EXPERIAN credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted are XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit bureaus about the incorrect information on my credit report recently. I addressed all issues that was incorrect on my credit report I have yet to get a response or correction about my concerns. It is my right to address my credit according to 609 rights. This is not my debt and I demand it be removed according to those same rights aforementioned!
Product: Debt collection

I have been getting threatening calls from XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX regarding an auto account that was discharged in a chapter XXXX bankruptcy on XX/XX/XXXX. I was told that they will be garnishing my check and it does not matter that the car was included and discharged in the bankruptcy. The amount I was told that I now owe is $ XXXXdollars. On Tuesday, XX/XX/XXXX I called the original creditors Santander consumer auto finance. I spoke with a manager and was told that the account was not sold and I should not make any payment arrangements with XXXX XXXX XXXX. 

I continue to get several calls a day from XXXX  and I was told my wages will begin being garnished on XX/XX/XXXX. I DO have a copy of my bankruptcy from the court and I have told XXXX  that I could send them a copy and they have refused. I have been hung up on and threatened that if I do not make payment arrangement they will file a civil complaint against me and sue me for the auto loan. 

I was told by XXXX  that I am being pursued by XXXX XXXX but when I called XXXX I was told to call Santander because Santander handles all of XXXX auto loans, which I had already done. On XX/XX/XXXX I called Santander again at XXXX and I was told again that this account is not in litigation. 

On XX/XX/XXXX I also spoke with an agent from XXXX  and was also explained the file is in litigation. They keep calling Help please
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND TRANSUNION BROKE THE LAW PURSUANT 15 USC 1681b ( a ) ( 2 ). I NEVER GAVE THEM WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. AS OF XXXX THERE ARE 5 NEGATIVE REPORTING TRADELINES THAT I DID NOT GIVE MY WRITTEN CONSENT TO HAVE PUBLISHED ON MY CONSUMER REPORT.. I WOULD LIKE TO STATE THAT PURSUANT 15 USC 1681 ( a ) ( 1 ) that THE BANKING SYSTEM IS DEPENDENT UPON FAIR AND ACCURATE CONSUMER REPORTS. BY ALLOWING XXXX, XXXX AND TRANSUNION TO REPORT THESE INACCURACIES IT HAS CAUSE ME TO LOSE CONFIDENCE IN THE BANKING SYSTEM. AS THE CONSUMER, CREDITOR AND NATURAL PERSON ANY NEGATIVE REPORTING ON MY CONSUMER FILE WILL CAUSE UNJUST FINANCIAL HARM AND DEVESTATION TO MY GIVEN BIRTH RIGHT AFFORDED TO ME BY THE ONE TRUE ONLY MOST HIGH GOD. 
XXXX XXXX XXXX # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX  were. Sent documentaion request by XXXX XXXX XXXX -furnisher/ owner of acct # XXXX. On XX/XX/2020 to delete reporting of tradeline. It is XX/XX/XXXX of 2020 and still being ignored by CRA just as their i investigations had not been properly completed. I have documentation sent to CRA 'S by Creditor XXXX.
Product: Mortgage

Good Afternoon, I am writing in regards to XXXX XXXX XXXX/Loancare, LLC. 

I submitted a mortgage payment in XXXX, of which was processed and applied to the loan on XX/XX/XXXX. 

On XX/XX/XXXX, Loancare notated a " bad check reversal '' on our account. Had Loancare completed due diligence on their part, they would without a doubt realize that the issue was " inaccurate Financial Institution Information '', not a " bad check '' being processed. 

The funds were available in our account the entire month of XXXX. This was not a case of insufficient funds. 

I am including the e-mail I submitted to the Payment Research Department with Loancare. 

I ultimately would like to have the " bad check reversal '' removed from our account. I am not concerned regarding the NSF Fee they  incorrectly attached to our XXXX mortgage payment. 

Good Afternoon, A mortgage payment was made to our account on XX/XX/2020. With that being said, the routing number rather than the actual Checking Account number was utilized to make the payment which resulted in the payment being returned. This also resulted in a payment being made on the XXXX of XXXX which causes concern for a late payment to be reported on our credit report. 

In addition to the incorrect account number being used, we now have a " bad check reversal '' notation on our account. We have had an estimable payment history with XXXX. You will find that upon review of our account history, this will prove this to be factual. 

We would like to have the " bad check reversal '' to be removed from our account history as this was clearly not a characteristic of " bad check reversal '' yet a result of a aberration. 

I am attaching screenshots of the dates from XX/XX/2020 to XX/XX/2020 to verify that the mortgage payment was never drafted from our account, therefore this could not possibly result in a " bad check reversal ''. There were no returned check fees thus validating that this is not the case of a " bad check reversal '' Please review account information and notate that the mortgage payment was not drafted as a result of a routing number being used rather than an actual checking account number. 

I also attached the financial institution information on file with XXXX which will verify that the routing number for XXXX XXXX rather than the checking account number was used in error. This would result in the payment being returned due to invalid account information. 

Your assistance is greatly appreciated in this matter. Please feel free to reach out by e-mail or phone at the contact information on file with XXXX XXXX XXXX. 



Respectfully, XXXX XXXX
Product: Checking or savings account

I was supposed to receive my direct deposit from my job on Thursday morning at XXXX. After checking my account at XXXX capital one failed to complete that task. It has been two days thus far and capital one has yet to give me my check of XXXX. I have bills to pay, school supplies to buy, and food to buy. This is outrageous!
Product: Credit card or prepaid card

I applied for this card and used it for a couple purchases which added up to around XXXX. The reason I applied is because I know my credit WAS good until they sent that to collections. I had no way to make contact with them at the time. My phone broke trying to find a way out of XXXX. 

I lost everything I owned except what I threw into the car and pickup on the way out of XXXX  Ca. I lived in a XXXX sqft house which a friend of mine owned and he let me rent it cheap. Now I live in an RV park in a XXXX trailer. XXXX XXXX was quite a day, or night. At XXXX it was black as midnight. That's why I got the card in the first place. It was quite an extreme emergency. I have been running into this " kick em when they're down '' cold lack of any goodness whatsoever attitude a lot lately. All I own personally fits in a 5X10 storage unit. 

I have asked 3 times very kindly if they would send me a bill, and all three times they said they would, I haven't received a bill but they're sure tooting the pay us horn in my e mail box. I never signed up for the paperless billing, it must be a default setting. I owe them XXXX and they're eager to send it to collections again! 

I have mentioned this default " paperless billing '' a couple times both in writing and on the phone.