23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sign up with XXXX XXXX XXXX back in XX/XX/XXXX. XXXX. I paid with credit card for a year in amount of {$460.00}. I was advised by representative I CAN cancel anytime. So next day I found something more suitable for me, so I cancel my policy on XX/XX/2022. XXXX told me they will send me a check in amount of {$410.00}, which they never did or at least I never received it. Also they withhold {$51.00} for canceling early. I was never told by representative about fees being involved. I did receive email with my policy and canceling policy, but after the fact and after I already submit the payment. I wish the representative would mentioned this before I mada a payment. I dispute the charge of {$51.00} with my credit card and after reviewing my credit card resolved the dispute and put a credit of {$51.00} on XX/XX/2022. Now XXXX demand {$460.00} by sending letters to me and calling me about paying them {$460.00}. I called on XX/XX/2022 and try to explain my situation. Then they told me XXXX send my info to debt collector. I received letter from debt collector Brown and Joseph, LLC on XX/XX/2022. I send email to debt collector on XX/XX/2022 but got no respond. I called them and try to explain, unfortunately only they were interested in my credit card information to pay a bill. They email me a bill with the balqnce of {$460.00}, but I own no debt to insurance company or debt collector. Instead I still waiting for my return for past 3 months, and continue to spending hours to resolve issue. Thank you
Product: Checking or savings account

On XX/XX/XXXX cash withdrawal was denied XXXX and this was confirmed by the ATM company and provided me the proof of denied transactions, however the Chase bank still charged me and ignore the proof of denied transactions from the ATM company. Called the bank many times, provided them the information from the ATM company and yet they refused to pay me back. Need your assistance pls. 
Respectfully,
Product: Debt collection

They are flagging my account without proof that the account is mine. I am a victim of identity theft and I have tried to dispute it and they are not cooperating and removing this collection. Ive never been to whatever school they have listed. They are reporting to all 3 bureau.
Product: Credit reporting or other personal consumer reports

am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Possible Finance Inquiries XXXX XXXX XXXX XXXX Custom XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I noticed a name on my equifax report that should not be on my credit report.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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

When I investigated my credit report, I realized that some of the information was 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 : XXXX XXXXXXXX XXXX Balance {$570.00} DEPT OF EDUCATIONXXXX XXXX Balance {$8700.00} DEPT OF EDUCATION/XXXX  XXXX Balance {$3700.00} XXXX XXXX XXXX  Balance : {$530.00} XXXX XXXX XXXX Balance {$570.00}
Product: Checking or savings account

My husband passed away in XXXX of this year. I went into the XXXX, Tennessee branch with my ID, his death certificate, our marriage certificate, and my birth certificate to prove my identity. I told them he had passed away and needed to close the account. They advised me that since I was not listed on the account, this request could not be processed, and they placed a block on his account. They have since depleted his checking account balance by charging monthly fees. This is their way of stealing the little money he had left. It should be illegal for them to do this. I went to the bank two times before this and changed his debit card and PIN. They never even ID me or blinked an eye that I wasn't on the account. Death is trauma alone ; I shouldn't have to be doing this to close an account. They shouldn't manipulate their clients by charging fees, so they don't have to give up the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This is not my account neither did I authorize any one to open account I was XXXX  when this was done my family identity was compromise
Product: Vehicle loan or lease

We had a problem with our previous bank with payments being returned and that caused Ally to not allow ACH payments. The last time this happened was XX/XX/2022- ever since then weve been making direct bill payments from our new bank XXXX since then with ZERO now all of sudden some analyst review has locked down our account from even making direct bill payments ludicrous - weve had zero issues with this. Yes we are behind, yes weve had a financial emergency that set us back {$15000.00} which was supposed to have been noted. So now they want us to have us spend more money to make payments?!?!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an ongoing dispute with XXXX since XXXX regarding a {$2600.00} charge that they allowed a merchant to complete with an expired old card on file and an incorrect billing address. XXXX had originally credited {$490.00} and refused to give credit for the remaining balance, including {$2300.00} in interest charged and {$370.00} in late fees. They then reversed the {$490.00} credit. I decided to make over {$3000.00} in payments in two months to pay off the debt that I knew I owed, and refused to pay anything further. My disputes went back and forth with them for many months. I even went onto the merchant 's website and entered all my known email addresses to complete a password reset until I was successful and provided evidence that the card they had on file expired in XXXX, they had a very old billing address, and failed at 8 attempts of the charge the first time as they were simply reattempting with a different exp date until they got it right. I was never advised of the failed attempts by XXXX. 

In XX/XX/XXXX, after having completely destroyed my credit, they filed a lawsuit against me for {$5400.00} under my credit card account number XXXX which, is the only account I had with them since XXXX. 

I filed a response in court without a lawyer and advised their attorney of what took place and the attorney claimed they completed another investigation and determined I owed the complete amount. In XX/XX/XXXX, I receive a notice from XXXX that they completed another investigation and determined that I was correct and that they credited my account for {$1600.00} along with {$110.00} in interest which, again was not the complete or accurate amount. The amazing part is that they did not apply this credit to my account number. They created a whole new account number that ends in XXXX with a starting balance of {$5400.00} and applied a credit of {$1600.00} plus the {$110.00}, and showing a balance due of {$3600.00}. 

I now have their attorney 's office contacting me claiming I owe {$5400.00} on my XXXX card and {$3600.00} on a XXXX card that I never owned. The attorney is aware of this yet just requested that the court set a trial date and they have, it is now set for XX/XX/XXXX. 

XXXX is reporting default on {$3600.00} under this fake XXXX non-existing account onto my credit report and destroying my credit all over again. I do not have an attorney and they are destroying me with this. They will not even give me the whole account number when I have called twice to ask for it. All I know is XXXX, as you will see in the attached documents.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently received a copy of my Experian, XXXX, XXXX credit report, I noticed a high utilization posted on my XXXX XXXX XXXX  account, Your company is in clear violation of the law. Under 15 USC 1681B- permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

THE FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( I ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions- Except as provided in paragraph ( 3 ), the term consumer reportdoes not include- ( A ) Subject to section 1681s-3 of this title, any- ( I ) report containing information solely to transactions or experiences between the consumer and the person making the report ; You have XXXX calendar days to either update my credit utilization to XXXX  or below, or remove all utilization from my report. Credit Card Utilization is an Experience. 
If my request is not granted I will pursue legal action against your company for Violating the FCRA.
Product: Debt collection

CREDENCE RM is illegally trying to collect on a debt for XXXX. I have spoken to both parties and have informed them that I have never had XXXX and certainly did not open an account in the state of Alabama as they claim it originated. Matter of fact, I have never been to the state of Alabama. This XXXX is not mine and I am requesting the immediate removal of the Credence RM account from XXXX, XXXX, and XXXX.
Product: Checking or savings account

When I transfered funds from a XXXX XXXX account into my US Bank account. I accidentally withdrew from the US Bank account when I had no funds. They fixed the issue but when I tried to transfer the same amount into the US Bank the fraud department thought it was the original transfer out of the us Bank and automatically " fixed it '' by taking our second transfer of XXXX XXXX We called US Bank they said it would be resolved in 10 days. We keep checking on the status and now they don't even have a record for part of the calls. We just want our money back and they would do that. Thank you.
Product: Credit card or prepaid card

My apple credit card had an available balance of {$1500.00}, I made only one transaction of {$1300.00} in XX/XX/2023. I paid the balance on time with minimum payments. 
XX/XX/2023, the company took a total balance payment ( {$1000.00} ) unbeknownst to me. I called & let them know I didnt authorize this payment. 
They replied to me at a later date they gave me a reversal payment to my checking account, that I never received! Yet, they kept the transaction/high balance on my account. 
This brought my account a negative balance with one transaction & also is effecting my credit score.
Product: Credit reporting or other personal consumer reports

The company did not send me a bill or any notice this bill existed. I did not get a call or a bill or anything until the bill was already 1 day past 30 days due. I paid it that day, the XXXX XXXX over the phone. It was only {$25.00}. Then they reported it as a 30 days late on my credit. According to the law, I am supposed to get a bill or an invoice prior to receiving a late on my credit. I don't have any other late payments for anything on my credit and I shouldn't have this one either. If I would've known, I owed a fee of {$25.00} I would've paid it right away. Since I was not notified of this bill it should be removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter in regards to inaccurate/unknown items on my credit report. Till this day I have not received a response yet. I feel like I am being taken advantage of and being ignored of my dispute.Section 611 ( A ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. That time has lapsed so they should be deleted promptly. I demand this inaccurate information be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten in the wrong hands of the wrong person.
Product: Credit reporting or other personal consumer reports

XXXX  reported my payoff then for what ever no it show something different XX/XX/scrub>XXXX XXXX XXXX
Product: Mortgage

Dear CFPB, Hancock Whitney continues to send me tax delinquent notices ( latest on XX/XX/XXXX ). Hancock stated on XX/XX/XXXX, in reply to my earlier CFPB complaint ( # XXXX ), they understand I was paying quarterly taxes and was not delinquent. Further Hancock Whitney stated they would place a note on my account and would stop any further delinquent tax notices. 

I received another tax delinquency notice ( attached ) from Hancock threatening to establish an escrow account ( none has existed since this loan was approved in XXXX ). 

On XX/XX/XXXX, I called Hancock Customer Service, XXXX, in attempt to resolve. The phone agents including a supervisor were not able to resolve ( they could not find the note in my file ). 

I want Hancock Whitney 's mortgage servicing company to fix the computer program that is generating this incorrect tax delinquency notice. Their processes are seriously broken. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the Fair Credit Reporting Act XXXX  XXXX  Account # 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 reporting, credit repair services, or other personal consumer reports

Contacted this company in XX/XX/2022 to validate information. 
I have not received a response. 
Information is not correct or validated.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting and Request for 1099-C Documentation To Whom It May Concern, I am disputing the accuracy of an account listed on my credit report under 15 USC 1681s-2 , which mandates the reporting of accurate and verifiable information. 
The account in question is as follows : XXXX. Account Name : XXXX XXXX XXXX Date Listed : XX/XX/XXXX XXXX. Account XXXX : XXXX XXXX Date Listed : XXXX XXXX, XXXX XXXX. Account Name : XXXX XXXX Date Listed : XXXX. XXXX, XXXX The balance currently being reported is inaccurate and potentially unlawful. XXXX XXXX XXXX XXXX XXXX XXXX, the issuance of a 1099-C form by a creditor indicates the occurrence of an identifiable event of debt cancellation. Under IRS regulations, Event Code 7 defines such an event as a discharge of indebtedness due to the creditors policy decision to cease collection activity and cancel the debt. 

If a

1099-C form has been issued for this account, the debt has been canceled, and reporting a balance is inaccurate and misleading. I am requesting the following : Verification of the Account Balance : Provide evidence demonstrating that the balance is accurate and collectible. Provision of the 1099-C Form : If issued, provide a copy to verify the iden
tifiable event.

Immediate Deletion of the Account : If the debt was discharged under Event Code 7 or can not be verified, you are required to delete this negative information under the Fair Credit Reporting Act. 

Please investigate this matter within the legally required 30-day timeframe. Failure to respond appropriately will result in further action. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Outstanding interest rates applied and additional rates applied later in loan
Product: Debt collection

I have asked them to contact me via email but the call 15 times a day and leave no message.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with, on a number of occasions this year as well as the past 2 years to two agencies about their reporting practices. I've asked both XXXX XXXX XXXX and NCA to STOP REPORTING without my consent. 
I don't know who they are nor have I agreed to contracting with either company. Furthermore, I haven't given my consent to anyone to share my personal information.
Product: Checking or savings account

I have a bank account that I don't use very much. Aside from the monthly {$16.00} service charge Bank of America charges me monthly. I don't keep much money in that account and there has been a few XXXX dollar and XXXX dollar charges that went againts the account when the account had insufficient funds. The bank did not pay those charges for me, but is charging me {$35.00} fees for them. Each one of them, most of my charges are less than {$10.00} but they charge me a {$35.00}. This year they have charged me {$980.00} dollars in fees on less than {$150.00} dollars of charges with low funds. Most of the fees have been because the bank credit my account with money late or waits for my account to be low of funds then all the charges hit at once, almost as if they are doing it on purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek default judgment, and you will join a class action lawsuit seeking damages for violations, stress, and mental anguish, as well as at least 1 % of the company pursuant to TILA XXXX OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

attached is a copy of the complaint that has been sent to experian twice they refuse to do anything
Product: Credit card or prepaid card

I had been calling Citicard for over a month before Covid19 because their site for business cards was not working, and I was unable to access my account. Everytime I called, they told me that they were working on the problem but could not tell me when I could get on line. I needed documents for a court case, and finally insisted that they mail me the copies overnight. They sent the copies after the date I needed them.

I sent automatic payments every week but did not know the status of my account and received nothing in the mail.

I started another round of calls as Covid19 hit XXXX XXXX XXXX, where I live. I had to shut own my business and wanted to get a forbearance and at least a temporary interest rate reduction. I called repeatedly and was told that there was not yet any policy in place. At this time the post office stopped delivering mail because of the crisis ' impact on their staff. 

I opened my mail today, XX/XX/XXXX, and discovered that not only had the card allowed overcharges and charged me a fee for that, but they increased my interest rate by more than double because of the overcharge and late payment!!!!! 

They sent a bill with these massive new add-ons and demanded that I pay double my usual monthly payment. 

I have spent hours on the phone with them only to discover that they not only did not help me, the consumer, despite the recent bill passed by Congress, but they charged me double and increased my interest rate. I assume they have also made a report to the credit bureau despite the government 's admonition.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I disputed a bankruptcy reported on my credit file unlawfully and also without notification. Under the FCRA as a US citizen I have my rights to have this investigated properly. I received the verification letters back from the credit bureaus as the information reported on my credit file was reported correctly which is reported incorrectly after I caught the credit bureau within reporting inaccurately,
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRES XXXX XXXX - XX/XX/2023
Product: Checking or savings account

I made a purchase of {$250.00} on Friday, XX/XX/XXXX, which was immediately canceled by the merchant ( within 30 minutes ) due to being out of stock. 

After the notification was received, I reached out to chime with proof of order cancelation & was told that the cancelation was already processed by the merchant and the money would be returned. 

Yesterday, XX/XX/XXXX, I called support to find out why the funds have not yet been released. I can not afford to have almost {$300.00} just sitting in limbo for days. I was told that because the transaction was canceled before being posted, it will take 7 days for my money to be returned- if the merchant let it post & then refunded, it wouldve shown up within 3 business days. I kept asking for clarification, because it seemed to me that a canceled transaction being held longer than a refunded posted transaction seemed strange, but couldnt get far with the phone agent. 

In my frustration, I asked for a supervisor and was advised he would just tell me the same thing, and proceeded to sit on hold. When it was clear I wasnt going to make any progress, I hung up. 


I have had numerous issues with chime from the way disputes are handled to the terrible customer service reps and their lack of understanding of the product/account, which causes issues beyond a simple error. Care should be taken when people have access to your money but Chime doesnt seem to feel the same way.