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

On XX/XX/2024, I reported an unauthorized charge of {$450.00} on my Chime account ( account ending in XXXX ). Chime confirmed via email on XX/XX/2024, that the charge was incorrect and credited the {$450.00} to my account. However, my Chime XXXX XXXXXXXX XXXX XXXX XXXX and Secured Deposit Account were closed on XX/XX/2024, as communicated by Chime. I was informed that any remaining balance would be mailed via check to my address on file within 30 days. 

As of XX/XX/2024, I have not received the refund check or any updates. This delay in accessing my funds has caused unnecessary financial hardship, as I depend on these funds for basic living expenses. 

This issue appears to violate the XX/XX/2024, CFPB Consent Order in File No. XXXX against Chime Financial, Inc. , which requires the timely issuance of refunds for closed accounts. Under Monetary Provisions, Section VIII, Paragraph 30 ( b ) ( ii ) of the Consent Order, Chime was ordered to pay redress to harmed consumers who did not receive timely refunds.
Product: Debt collection

I and my spouse rented apartment at XXXX  at XXXX XXXX, XX/XX/2022 the office manager call us and told us that they wanted the apartment back, We spoke with the office manager to give us some weeks so we could find a place to stay,, we told her to give us a written document but she refused and told us she was going to speak with her boss,, after a week we contacted the office manager again and she told us that she havent heard anything from her boss,, so due to her statement telling us to move that they wanted the apartment,, I and my spouse quickly got a new apartment at the end of XXXX and we went to inform the office manager that we got another apartment just as she ask us to move,, And the manager told us that we are going to pay for lease violation, that was shocking,, Because the manager ask us to move that they want the apartment,, so we told the office manager that wasnt what you told us,, the office manager ask ask us to move and we pleaded with her to talk to her boss to give us little time to get a new place,, And our lease was suppose to end in XX/XX/2022,, due to the pressure from the office manager we quickly got a new place so that office will not make me, my wife and kids XXXX. So when the office manager told us we going to pay for the lease violation, I requested to speak with her boss and she gave me the number of her boss at the head office,, the phone Number was XXXX and the name of the lady I spoke with was XXXX XXXX, I spoke with her a week before we moved out, and she told us as far the office manager ask us to move, that we should pay {$1000.00} for the damage in the apartment instead of the lease violation!! So that was what we agreed!! If they can provide the voice recorder for that conversation,, that will be helpful.. The damage in the apartment was as a result of the maintenance efforts try to fix water leakage during the snow that happened in XXXX,, it took the apartment several months to fix the walls they cut open,, and as a result of that holes on the walls, Rat and and Roaches got into our apartment,, and all our efforts to get rid of those Rat and Roaches proved abortive. At the end of our conversation with XXXX XXXX XXXX from the head office we agreed to pay the {$1000.00} for the interest of peace. Right now they have reported the debt to be {$6300.00} on my credit report. That {$6300.00} is a wrong amount we were ask to pay by the XXXX head office.
Product: Mortgage

This company chooses to apply a {$30.00} inspection fee for some thing that was never inspected if someone showed up at my house or at my door Id like to meet them somehow this is not been done they are holding three months of payments and saying that the payment has not been applied I mailed via certified payment with a certified money order on today for a statement that I get in the mail I have never had it pending inspection done on the house.
Product: Credit reporting or other personal consumer reports

Dear Credit Reporting Department, I am writing to inform you that I am a victim of a data breach that has compromised my personal information, and I am requesting the immediate removal of all accounts affected by this breach pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ).

Background and Request : According to 15 U.S.C. 1681c-2 ( a ), when a consumer is a victim of a data breach, they are entitled to request the deletion of any accounts or information resulting from this breach. This legal provision mandates the removal of affected accounts from consumer credit reports to mitigate potential fraud and identity theft.

I request that you immediately remove the accounts affected by the data breach from my credit report. These accounts are no longer valid due to the breach, and the inclusion of such information is detrimental to my credit file. 

Affected Accounts : Please remove any and all accounts on my credit report associated with this breach, including but not limited to : XXXX XXXX XXXX XXXX According to the FCRA section 605b it is illegal to report any information on my credit report without my permission. Please remove these negative items from my credit report. Thank you. I never authorized these companies to check my credit rating or have no knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I also request that you confirm the removal of these accounts and inquiries from my credit file within 30 days and provide me with an updated copy of my credit report reflecting the deletions. 

Legal Basis : Under 15 U.S.C. 1681c-2 ( a ), I am requesting that these accounts be removed from my credit report immediately to reflect my status as a victim of a data breach. The inclusion of inaccurate or fraudulent information is not only damaging to my credit score but also violates my rights under the Fair Credit Reporting Act.

Should these accounts not be deleted or should you fail to provide sufficient documentation to prove their accuracy, I will pursue further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse under 15 U.S.C. 1681n and 15 U.S.C. 1681o.

I appreciate your immediate attention to this matter and look forward to your confirmation of the account removals. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a Citi Bank personal account in XX/XX/year> and have faced numerous frustrating interactions with customer service. 

In XXXX, my account was locked due to a direct deposit that couldnt be verified, despite having over {$7000.00}. The funds were mistakenly deposited in my fathers name. After confirming this with the issuer, I requested Citi Bank to return the funds and reissue the deposit in my name. However, they refused, claiming that the processing company, XXXX, needed to handle the return. XXXX indicated they couldn't initiate it because Citi had already accepted the funds. 

In XXXX, I was informed that my account would be closed, and Id receive a check within XXXX days. This never happened. Instead, I was told that my father needed to come into a branch to verify that the funds belong to me, despite him being XXXX  in a XXXX home and unable to visit. 

I have visited the branch multiple times and communicated my situation to both branch employees and the XXXX department, but to no avail. The funds are revenue from our joint XXXX XXXX  business, and they should have been sent in my name from the start. 

I urgently request that Citi Bank either return the funds to the direct depositor or issue me a check for the remaining balance. I appreciate your prompt attention to this matter Transactions- ( I have proof showing these belong to me, but have been disregarded by Citi Bank. These are all Deposits. These are the dates the XXXX XXXX was initiated. 

XX/XX/XXXX - {$34.00} XX/XX/XXXX - {$300.00} XX/XX/XXXX - {$600.00} XX/XX/XXXX - {$1300.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$760.00} XX/XX/XXXX - {$220.00} XX/XX/XXXX - {$840.00} XX/XX/XXXX - {$470.00} XX/XX/XXXX - {$860.00} XX/XX/XXXX- {$99.00} XX/XX/XXXX - {$230.00} XX/XX/XXXX- {$1000.00} Total {$7900.00}
Product: Debt collection

The billing office for XXXX XXXX XXXX hired TransWorld Systems to collect on a medical debt from many years ago, which should have been discharged under my Ch. XXXX bankruptcy in XXXX of 2015. Although I believe I 've provided this information verbally to this company before ( I do n't have any dates written down ), the phone calls continued - usually multiple per day. I finally called again last week and after speaking with someone in the billing office who knew nothing about bankruptcy law whatsoever, I was referred to the billing office manager, " XXXX '', by the doctor 's office ( who, assured me that this should stop immediately ). XXXX refused to stop billing me if I did not provide a copy of my discharge paperwork ( even though this information is public record and they ARE a billing office ), so I faxed him a copy last week. After receiving, he left me a message stating that he would have the collection efforts stopped immediately. I have continued to receive calls from TransWorld Systems, attempting to collect on this debt, even after his voicemail to me. I received another call today, which is partly inspiring this complaint. I let TransWorld know that they should cease and desist collection efforts immediately per Ch. XXXX discharge, which was provided to the billing office. I called the billing office this morning again to speak with XXXX, and I 'm told that he 's out all week and no one else is in charge ; that they 're " all in charge ''. This is coming from the same woman I spoke to last week who has no idea about bankruptcy law. She then hung up on me when I continued to press her for who was in charge this week. This issue is causing me significant emotional distress - it was enough to go through the events that led to the bankruptcy in the first place and the bankruptcy itself. I have worked very hard to bring my credit back to good standing and this needs to stop asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

The card account is reporting incorrectly on my XXXX  report as a closed collection account. The Neiman Marcus account was never in collections and should reflect a XXXX  balance. This account should reflect a closed account with a XXXX  balance and the historical account records should reflect that it was never a collection account.
Product: Credit reporting or other personal consumer reports

Subject : Request for Assistance in Removing Settled Accounts from Credit Reports To Whom It May Concern, My name is XXXX XXXX, and I am writing to request your assistance in removing several settled accounts from my credit reports with the major credit bureaus. These accounts, which were previously with various creditors, have been fully settled and resolved for over two years. Despite these settlements, they continue to reflect as delinquent or negatively impacting my credit score, causing undue hardship as I strive to move forward financially. 

I have contacted each creditor and the relevant credit bureaus to have these entries removed, as they no longer accurately reflect my current financial standing. Unfortunately, my previous attempts have been unsuccessful. The creditors have either not responded or have refused to update the credit reports to reflect the settled status and remove the negative information. 

The accounts were paid in good faith, with full settlements achieved, yet the outdated and negative information remains. This situation is frustrating and disheartening, as I am being penalized for accounts that no longer hold a balance due or any valid claim against me. I have complied fully with the terms of each settlement, and it is only fair that my credit report reflects my current standing rather than outdated, resolved issues. 

I kindly request the CFPBs assistance in ensuring that these settled accounts are removed from my credit reports across all three major bureaus ( XXXX, Experian, and XXXX ). This action would allow me to rebuild my credit without the burden of settled accounts inaccurately dragging down my score. I urge the CFPB to support my efforts for a fair and accurate credit report, in accordance with the rights afforded to consumers. 

Please let me know if any further information or documentation is required to facilitate this process. I appreciate your attention to this matter and your support in helping me move forward. 

Thank you very much for your assistance. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to clarify that I, XXXX XXXX, did not authorize any inquiries or applications for credit with XXXX XXXX XXXX XXXX, nor did I provide consent for the use of my personal information in such a manner to anyone or other party on my behalf. It is concerning to me that my personal information was used without my consent, and I would like to address this matter promptly. Furthermore, I dispute the accuracy of your statement that I initiated an application on XX/XX/XXXX, as I have no record or recollection of such an action. I did not conduct any purported verification process or conversations with your agents regarding this application, and I deny providing any personal information for this purpose. Your inquiry on my credit profile is fraudulent.The attached credit application you have on file for me is not my authorized signature. Additionally, I request that you cease inquiries and any further inquiries or use of my personal information without my explicit consent. According to the 15 U.S.C 1681 there should not be any damages on my report and its a defamation to my character. Please be advised that I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX XXXX, and other applicable laws. From my records, I have not given them permission to do so and there was no legal disclosure of such credit application prior. They are reporting information to the credit bureaus and public records without my authorization. I've mailed them XX/XX/XXXX requesting this information to be returned within XXXX  days and have not received any letter via mail as requested back. Under the FRCA, they are required to do so and have not done so. As a result, I am requesting they remove the information provided to them illegally from their records and to companies as it is unauthorized by law.. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

my identity was compromised. i disputed matters several times with the cb and they only reply verified or accurate. i advised them about my situation, i have proof of letters sent out with items that should be removed. they refused to obey by the law with providing me with validation that obligates me to the items as mines.. i provided my police report etc..
Product: Debt collection

I have been trying to contact XXXX who placed my collection account with Jefferson capital that can not find it here are my notes XX/XX/2022 XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 XXXX- they located 2 accounts jefferson capital XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Jefferson cap XXXX XXXX - XXXX XXXX  XXXX {$720.00} balance. the account numbers are similar BUT the balance is different AND they are stating the account was discharged in bankruptcy. 

The balance on my end is {$920.00}. I have never filed bankruptcy
Product: Credit card

Attempted to purchase XXXX XXXX on XXXX XXXX. I used my capital one credit card thru XXXX. Never received XXXX or shipping confirmation. XXXX weeks of supplying capital one with all the documentation, they still have not reversed the charge. The seller is a scammer and my documentation proved that. Don't understand how this thief can get away with my {$310.00}. Need help getting this credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to One Main several times by certified mail to address this inquiry showing on my credit report. it has now been over 30 days and i still havent received the proper validation for this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

They took my {$80.00} and expect for XXXX mothers to accept and move on with their lives, this is unfair. refund me my {$80.00}. I got denied and it is all a game on how we as XXXX get treated
Product: Vehicle loan or lease

I have explained to Westlake Financial Services my inability to pay at this time. They informed me that collections calls wouldnt stop which I under stand. However they call me at least 8 times a day every day and send text messages. Just this morning XX/XX/XXXX between the hours of XXXX and XXXX I have received 5 calls and 2 text messages from them some back to back. I feel like this is harassment and that they shouldnt call me this much. I allowed them to repossess the vehicle I even helped the tow truck driver load it.
Product: Checking or savings account

Chase closed my account on XX/XX/XXXX after my payroll check was deposited. I was told my account was closed for an unknown reason and that my money would be released to me in a cashier 's check in 10 days. I have been calling weekly and being told lies each week. Still no check. I was told last week that the check was printed on the XXXX of XXXX and would be mailed on the XXXX of XXXX. Today, XX/XX/XXXX, I was told that the check has not been printed and Chase doesn't know when it will be printed. I have not bounced a check or ever done anything for Chase to cancel my account, but surely they should give me my money. It's my direct deposit payroll check.
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, XXXX. # XXXX has violated my rights. 

And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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'm currently being sued by Discover Card through XXXX XXXX XXXX, XXXX in XXXX, XXXX XXXX system. This debt they are trying to collect on is a very old debt from at least 10 years ago. It's past the statute of limitations to try to collect on this debt. I never received a phone call from any collection agency on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my Identity Theft Report and proof of my identity. I also have enclosed a copy of the Notice to Furnishers of Information, which explains your responsibilities when reporting information to credit bureaus. When you receive a request like this with an Identity Theft Report, you must stop reporting fraudulent debts to credit bureaus.

The Notice also states that if a credit bureau notifies you that information you provided may be the result of identity theft, you must stop reporting the inaccurate information and you can not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please send me a letter explaining your findings and actions.
Product: Debt collection

I received a debt collection letter for a credit card from XXXXXXXX XXXX.I don't believe i opened this credit card, I asked them for proof of debt XX/XX/2022, they provided me with the last 2 statements, which showed only the amount owed {$610.00}. I asked for the application and all statements in XXXX XXXXThey did not provide the application just the statements. In XX/XX/2022 I asked again for the application. They stated they can not send me the application. This is non-compliance. If you're trying to collect a debt owed, you should be able to provide all documents on the account. No payment was ever made on this account so I am unable to prove it was my debt, as I would've at least made payments to this credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX  XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$23000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Sunrise Credit Service is collecting for XXXX. When I first heard from them I asked them for information about whatever bill they were collecting for because I wasn't aware of any balance due. I asked them again and again for validation of the debt but their only focus was to collect the bill they claimed I owed. They hounded me and I caved in and paid when they said they wouldn't put it on my credit report if I paid it immediately. They put it on my credit report anyway and never would validate or clarify the debt.