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

XXXX XXXXXXXX XXXX ATM ID : XXXX at XXXX XXXX XXXX on XX/XX/year> began processing a withdrawal from my Chime account in the amount of {$450.00} plus {$6.00} in out of network ATM fees. The funds were withdrawn from the Chime account. The XXXX XXXXXXXX XXXX ATM dispensed my card and began the process to dispense the cash. I selected the option for the ATM to choose the type of bills for me. The ATM was louder than usual and sounded empty. An error message displayed on the screen indicating that there was an issue dispensing the cash and that the transaction had been canceled. The ATM screen said to note the ATM ID and contact the bank to report the issue. I called XXXX  XXXX XXXX, which I am a customer of. I planned to withdraw the cash from the Chime account and deposit it into my XXXX XXXX XXXX account. Customer service logged the ATM ID and stated that the funds would automatically be reversed in 1 to 2 days. The problem is that the money is need for rent that is due XX/XX/XXXX with no grace period. Chime customer service stated that the reversal my take up to 5 days. XXXX XXXX from XXXX XXXXXXXX XXXX 's Enterprise Resolution department contacted me on XX/XX/XXXX and confirmed that the ATM was having issues at my transaction time and that the transaction was immediately reversed back to Chime. XXXX XXXX advised that Chime should process the reversal. On XX/XX/year>, Chime settled the transaction instead of reversing the withdrawal. XXXX XXXX advised me to file a dispute with Chime and XXXX  XXXX XXXX would provide them with the supporting dispute information once Chime contacted them. I filed a dispute with Chime on the same day and included XXXX contact information. Chime never contacted XXXX XXXX XXXX to confirm the error. Instead, Chime denied my dispute the same day and said I was responsible for the {$450.00}. I opened a rebuttal with Chime under dispute # XXXX, that has not been resolved as of XX/XX/year> and refuses to provide a provisional credit to my account in the amount of the transaction.
Product: Credit reporting or other personal consumer reports

I have previously disputed the above referenced account on XX/XX/XXXX. This item was deleted from the credit file on the subsequent credit report of XX/XX/XXXX. However, now this item has reappeared on my credit report.

In accordance with the requirements of the FCRA, I am hereby requesting your complete compliance with any and all of the provisions listed below and permanently remove this item.

FCRA 611, Procedure in case of disputed accuracy { 15 U.S.C. 1681i ] Requirements relating to reinstatement of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer & file pursuant to subparagraph ( A }, the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
If any information that has been deleted from a consumer & # 39 ; s file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii }, a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer & # 39 ; s file disputing the accuracy or completeness of the disputed information. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have asked Pinnacle Credit to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Credit card

XX/XX/2023 {$450.00} I did not give this company to use my information to open up this account. 
The company also fraudulently sold my accounts to a third party agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have erroneous reporting by XXXX XXXX XXXX  on my credit profile. I was deceptively informed by the customer service representative that I could make lump payment for my current bill and the following month. I was not told that that was not possible that two month have to be scheduled differently. I paid {$100.00} in XX/XX/2019 thinking that I have made payments for two months and also paid {$85.00} in XXXX. It was when I was talking to a customer representative yesterday about report of late payment that I was told that the information that I could make lump payment for two months erroneous. 
Please, XXXX XXXX XXXX need to remove these two late payment from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to inform all credit bureaus and collection agencies what the law requires of the information I have required from my Credit report you Needs to provide me with that verification of each negative item showing in my credit report The items I requested is inaccurate not completed. I need all to be verified accurately TransUnion XXXX XXXX. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I opened an account with Citibank when I purchased a washer and dryer from Sears. They assured me that Sears would remove my old washer and dryer and install the new washer and dryer in my home. The sales associate was given my physical address for delivery and my PO Box for billing. When I was called on the delivery date before the washer and dryer were to be delivered, I was informed that the delivery did not include removal of my old washer and dryer and set-up of the new washer and dryer. At that time, I notified the delivery company that I would not be accepting the delivery. I then telephoned Sears and inquired as to what happened with the service I paid for with set-up and haul away. At that time, the representative from Sears informed me that the salesperson was new and didnt know that Sears doesnt provide set-up and haul away services, even though I had been charged for those services. I then went up to the store and they informed me that they would cancel the purchases and close the credit card account and there would be no fees. 
In late XXXX I received a credit report that showed a delinquent charge with an unpaid balance. This charge stemmed from my purchase of a washer and dryer at Sears. I telephoned Citibank and Sears to try to straighten out the charge but was unsuccessful in getting a resolution. In order to complete my closing, I was required to pay the {$300.00} delinquent charge and work through this dispute after the closing was completed. What I have discovered since that time is that Citibank was sending statements for the washer and dryer I never received to my physical address ( where I dont receive mail ). On XX/XX/XXXX, Citibank mailed me the statements for the account I closed on XX/XX/XXXX. These statements show that I was charged delinquent fees for not paying on the account starting with the XX/XX/XXXX statement, even my credit report showed that Citbank reported the account closed on XX/XX/XXXX. It appears I continued to be charged late fees and interest. 
I was expecting the amount I paid, plus interest be refunded to me immediately. I expected Citibank to send me a letter stating that this is not a delinquency on my part so that I had something in writing to show if I have any other issues with this dispute in the future. In addition, I was also expecting that Citbank clear up my credit by informing the credit agencies that I was not delinquent on the account and that an error was made between Sears and Citibank. Citibank has not cleared up my credit and despite attempts to resolve this myself with the credit agencies, the credit agencies have not accepted my dispute and revised my credit information.
Product: Credit reporting or other personal consumer reports

I reached out to the company on several occasions to remove this from my account along with my Identity Theft Report, Driver License and Social. I notice the fraudulent activity and contacted the bureaus immediately. XXXX is refusing to send me proper and original documents that the account belongs to me.
Product: Checking or savings account

I made an atm deposit inside the banking center at a Bank of America branch. The branch is located in XXXX, FL. XXXX XXXX XXXX and XXXX XXXX ). I initially attempted to place deposit with a teller inside the bank, but after waiting for a half hour, I was told I had to place cash deposit using the ATM. I asked for a manager but was refused several times. 
I made the deposit around XXXX on XX/XX/XXXX, and the representative, XXXX was next to me waiting for the machine to print the receipt for {$6100.00}, but the machine went out of order and didn't print a receipt and didn't credit my account. XXXX called the customer service line to place a claim and she informed the machine would be reconciled that evening and I should see the funds in my account the next morning, but no later than 48 hours. I attempted calling the main Bank of America customer service claims line, and I spoke to tXXXX supervisors, XXXX and her supervisor, XXXX. I was told that I would have to wait for a temporary credit and it could take 45 to 90 business days! this was a cash deposit, and I am very concerned the bank is attempting to abscond my money, or at a minimum, keep the funds within its banking center for an extended period of time. 
I attempted calling the banking center and XXXX directly, left several messages over two days, but nobody answers and I haven't received a single call back. 
The bank has an online rating of 2 stars, but multiple complaints at that location, some with similar problems to the one I encountered. 
Please advise and let me know if any additional information is required. 
Thank you.
Product: Mortgage

To whom it may concern ; My name is XXXX, XXXX ; I a widow with XXXX XXXX  children, whom the XXXX XXXX old is XXXX XXXX Im also a victim of identity theft which my personal information were fraudulently use to obtain good/services ; as a result of this companys financial breach. 

I am writing this letter to bring to your attention the concerning and frustrating experiences, I have had with my mortgage servicer Loan Care. I believe that the practices of this company are not only unethical but also potentially in violation of consumer protection laws. 

I have been a customer of Loan Care for almost XXXX years, and during this time, I have encountered numerous issues that have caused me significant stress and financial hardship. Some of the key issues include : 1. Identity Theft, Inaccurate/ Excessive fees : I have consistently been charged fees that do not seem justified or have been applied in error, leading to financial strain. 

2. Poor communication and customer service : I have encountered difficulties in reaching a knowledgeable and helpful representative when trying to resolve issues or seek information about my mortgage account. 

3. Mishandling of payments : On multiple occasions, I have experienced errors in the processing of my mortgage payments, leading to confusion and potential damage to my credit score. 

4. Lack of transparency : I have found it challenging to obtain clear and accurate information about my mortgage account, including the breakdown of fees and charges. 

These issues have caused severe financial, emotional and social hardship to my household ; which significantly impacted my ability to manage my finances and maintain confidence in the mortgage servicing process. 

I have made multiple attempts to address these concerns directly with Loan Care Customer service via email/ phone, but I have not seen any meaningful improvements in their practices ; instead my account is now in delinquent status subject to foreclosure. 



I am reaching out to your office in the hope that you can investigate these matters and ensure that Loan care complies with all relevant consumer protection laws and regulations. I believe that the practices of this company may be in violation of [ specific laws or regulations if known ], and I urge you to take action to protect the rights of consumers like myself. 

I would be grateful for any assistance or guidance you can provide in addressing this matter. I am willing to provide any additional information or documentation that may be helpful in your investigation. Thank you for your attention to this important issue. I look forward to a swift and thorough resolution to these concerns. 


Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX  XXXX Reported : XXXX. XXXX, XXXX - {$690.00} Closed Overview You're currently using 139 % of your account 's limit. 

Balance {$690.00} Credit limit $ 500 Monthly payment No Info Opened XXXX XXXX, XXXX ( 3 yrs, 6 mos ) Payment History Youve made 59 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Amount past due {$690.00} Worst Payment Status Charge-off Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Consumer disputes- reinvestigation in progress Times 30/60/90 days late 3/2/11 Closed No Info CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consu
mer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Payday loan, title loan, or personal loan

At the end of XX/XX/XXXX I advised personal Finance that I was in the process of filing chapter XXXX bankruptcy and the account that I had with them would be included in the bankruptcy. At the advice of my attorney I was to stop all payments to Personal Finance. On XX/XX/XXXX Personal Finance obtained a judgement against me in the amount of {$990.00}. On XX/XX/XXXX the paperwork for the chapter XXXX bankruptcy was filed by my attorney. The proper documents were sent to all of my creditors and Personal Finance filed a claim of {$990.00}. Up until XX/XX/XXXX Personal Finance has reported the account balance to XXXX as {$0.00}. On XX/XX/XXXX XXXX XXXX notified XXXX that the balance increased from {$0.00} to {$1200.00} which is incorrect. They also marked the account as charged off/written off as bad debt as of XX/XX/XXXX. Per the bankruptcy law the account should be reported as closed with a {$0.00} balance. Since filing bankruptcy the trustee has sent Personal Finance a total of 5 payments that total {$88.00} which would bring our remaining balance down to {$900.00} NOT the {$1200.00} that Personal Finance is reporting to XXXX. It appears that Personal Finance has continued to charge interest on the account even though the account was included in the chapter XXXX bankruptcy which is a direct violation of the bankruptcy law. I demand that this inaccurate information be removed from my credit report immediately. My credit score dropped 35 points because Personal Finance inaccurately reported an account balance and a derogatory remark of charged off as bad debt. This account was not a charge off prior to me filing bankruptcy and shouldnt be reflecting as such.
Product: Student loan

Multiple times during repayment, my payments have been misallocated my funds. Charged outrageous interest amounts. This was done over years of payments and in my naivety I did not realize what was happening. I recently thought I had paid off my loan and now am getting a notice stating I still owe over {$900.00}
Product: Credit card or prepaid card

I have a PayPal account and a PayPal Cash plus debit card my economic impact payment was supposed to be deposited into my account on the XXXX it's been almost a month now they can not seem to tell me anything I keep getting the same answers over and over and over again to keep running a deposit Trace nothing and I'm not the only person experiencing this problem I am fed up frustrated tired of not getting straight answers I want my money but can't seem to get anywhere
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of fraud and i notice accounts on my credit report that i am not aware of. I have tried to reach out to 3 major credit beaureas and they wouldnt not help me with getting that information removed off my report.
Product: Credit reporting or other personal consumer reports

I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the CDIA 's Metro 2 Compliance standards, then I contest the reportability of any such claim. The CDIA 's CRRG stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. 

I want to make it clear that you have no right to act in dereliction, as you hold me under threat of financial and/or creditworthiness injury ( ies ). I demand that if you are unwilling or unable to comply with my request, as demanded, and as otherwise mandatory to retain or regain compliance of reporting no later than 20 days from your receipt of this lawful notice of consumer complaint, you immediately and forevermore thereafter cease any and all derogatory and/or injurious actions against me, including but not limited to the foul actions to report and/or collect unverified, untrue, invalid, or elsewise not certifiably compliant cla

im ( s ) and/or debt ( s ). Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s
) of information that I mark as being in question. 

Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please look at the attached documents.
Product: Credit card or prepaid card

I have a loan with MODERN FINANCE COMPANY. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and MODERN FINANCE COMPANY with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XX/XX/2018 2018