23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I spoke with XXXX XXXX XX/XX/19 @ XXXX re : more flexible payments for loan. A {$50.00} good faith fee is required for any delay in payment. This fee is the cost of the monthly loan payment. When the delay in payment has been needed and used, often I borrowed from someone to pay the fee. When this option is used, it can only be done 3 months at a time. This poses a major problem because it puts me in a position of owing other people. Now, I'm laid off from employment as of XX/XX/19 and called again XX/XX/19. The representative told me there are no other options to assist me other than again paying the fee. This means I must borrow the money from another person ( this is not sustainable for me or the individual ). XXXX XXXX wanted me to post date a time to pay in 30 days. Again I don't have money at the moment, I'm awaiting an interview with unemployment and am unsure of how I will pay my mortgage and other household sustaining bills for me and my child. Whether I'll have money to pay XXXX XXXX is unknown at this time. XXXX XXXX stated the only other option is to miss the payment, fall into default and the collections department will contact me. What I need is another recourse of action while I am currently unemployed. What else can be done to keep my credit report from suffering while I have no employment if I'm communicating and being proactive. Why is money to pay for an extension the only option, especially if I have no money or employment a this time. Thank you for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some fraudulent information on my credit report that they refuse to remove.
Product: Credit reporting or other personal consumer reports

I have asked Experian numerous times to delete an incorrect address listed on my credit report and for whatever reason they will NOT. The address is NOT mine, it is not where I live, I don't understand why it is so difficult to remove INCORRECT information as they are REQUIRED to by law. I will upload proof of my address as I have to Experian also and below is the address I would like REMOVED from my credit report. 

XXXX XXXXXXXX XXXX XXXX, CA XXXX
Product: Checking or savings account

To Whom It May Concern, I am writing to file a formal complaint regarding the abrupt closure of my Chime checking account, which I opened on XX/XX/2024. Initially, I funded the account via debit card and subsequently made an XXXX transfer of {$200.00} from my XXXX account during the first week of XXXX. Over the subsequent weeks, I also made three additional deposits using my debit card totaling {$700.00}. 

On XX/XX/2024, I received an email notification informing me that my account had been closed. However, there has been no communication regarding the refund of the balance in my account. It has now been over a week since the closure, and I have not received any of my funds. 

I contacted the Chime customer service department today seeking clarification and assistance. Unfortunately, the service agent informed me that my account is permanently closed and that my funds will not be refunded. Upon requesting to speak with a supervisor for further assistance, I was told that no supervisor was available, and the call was abruptly terminated. 

This interaction was not only unsatisfactory but also concerning, as it suggests that my funds are being withheld without a valid explanation. Given the total amount deposited and the unclear reasons provided for the account closure, I am requesting a detailed review of my account and an immediate refund of the balance from Chime. 

Thank you for your attention to this serious matter. I appreciate your assistance. 

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

On XX/XX/2018 I sent a certified letter to Experian informing them I had several wrong names and addresses on my credit report and asked them to remove them. I provided my correct name and address, along with a copy of my driver 's license, social security card and my utility bill proving my address. I received a copy of my credit report about three weeks later stating they " resolved '' the issue, but all of the information I requested removed remained on my credit report.
Product: Debt collection

I applied to stay at an apartment at XXXX at XXXX. I paid {$420.00} on XX/XX/2022 for the application and administrative fees to live at the apartment. I decided the day after to withdraw my application and XXXX 's terms and services said that {$150.00} is nonrefundable. XXXX  withdrew my application and sent me a check for {$270.00} on XX/XX/2022. 

Fast forward to now, I have been getting calls nonstop from Hunter Warfiled saying I owe a collections of {$220.00}. I have no idea why I would be getting a debt collections charge, I sent all the documentation of the check and credit card statement showing that there shouldn't be any debt owed. Hunter Warfield has not called me back or responded to my emails and the collections is now on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already submitted many complaints containing verification on my part of MY identity to Experian regarding the account I am referencing. And my previous complaint with the CFPB ( which yielded nothing ) against Experian was still NOT sufficient and Experian STILL has not performed a reasonable investigation regarding this company. How do I know?? Because the company is CLOSED due to the COVID-19 pandemic hence ; adding the comment on my credit affected by natural or declared disaster the company is located in NEW YORK. Which has been on strict closure orders for the last 2 months. 

Experian submitted a response to the last complaint with CFPB ( complaint ID XXXX XXXX dated submitted XX/XX/20 ) explaining that they have contacted XXXX XXXX XXXX to verify the information and received the information back from them verifying the account?? How did that work??? WHO VERIFIES THESE ACCOUNTS?? WHAT INFORMATION/DOCUMENTS IS EXPERIAN RECEIVING THAT IS PROVING THIS ACCOUNT IS VERIFIABLE?? And WHERE is MY documentation that I am legally entitled to verifying the VALIDITY of this account?? IE : A signed document containing MY wet signature?? THAT is the law and I have now requested this information FOUR times. And if this account is not verified in this way, I DEMAND that it be deleted according to the law! I will not hesitate to be litigious! 

Experian is breaking the law! What is the CFPB going to do about this?? What is the point of the CFPB if it is merely a MEDIATOR?? I started sending these requests and received my first response from Experian ( illegally ) and they did not provide me the proper documentation and claiming it has been verified a MONTH before the declared pandemic. 

The company I am referencing in my complaints with Experian is : XXXX XXXX XXXX ACCT # : XXXX
Product: Debt collection

XXXX XXXX and Ability Recovery Solutions are reporting on my credit file that I owe monies for attending a school I never attend {$310.00} is being reported on my credit file each month. I tried contacting the school about the matter who advise me that I signed a contract which was never signed by me.
Product: Credit reporting or other personal consumer reports

There are inaccurate accounts on my file so please check the documents I've sent.
Product: Checking or savings account

I use Chime as my bank to have my XXXX deposited as well as of every other dime of money saved. I had a charge that I did not recognize from Chime on my credit report. So I found Chime 's customer support number online and called went the prompts and finally got a rep on the line. She announced her as XXXX XXXX. She went through all of the verifications. So I explained to her there was a credit card on my credit that I did have have and told her the balance of {$1500.00}. She took me through downloading an application that gave her the permission to see what I saw on my Chime account to get this removed. My phone died in the middle of our conversation so she called back and left her name and number as [ phone redacted ]. I called her back long story short she took my money from my savings and credit builder account and transferred it to my checking account and had me put in the reason field Transferring to XXXX XXXX Once this was completed, she said my funds would then showed she correctly within XXXX minutes and hung up. I called back confirm what was exactly done and I reached another representative and she said it would show the next day and hung up quickly. I went and looked at the balance in all of my accounts and they showed {$0.00}! I called the number given and got no answer. I had my daughter call and the number was disconnected! These people took out every dime in all of my accounts. My XXXX, every XXXX to my name was gone. I called a different number given to reach Chime and explained what was done and I filed a dispute and gave documentation to support what was done. It took Chime a day to confirm that I would get no money back!
Product: Credit card or prepaid card

I have a credit card account with Capital One. I took a cash advance from my credit card for {$36.00} on XX/XX/XXXX of last year. I've been making monthly payments since then but I just noticed on my statement that I was charged interest for a cash advance. I didn't realize there was still a cash advance balance on my account so I called in to get the fee waived only to find out that I've been charged more than {$500.00} in interest for the original transaction of {$36.00}. I've repaid the cash advance more than 10 times over during that period, as my account is in good standing. What I have a problem with is the fact that the interest accumulation is COMPLETELY HIDDEN! I read my account statements every month and there's never a mention of a cash advance balance. I spoke to a few different representatives and they confirmed that there's really no way for customers to see this activity ; it doesn't show up on the monthly statement and you can't view it on the app. I recall exactly one VISIBLE interest charge for this cash advance I took a year ago ( {$10.00} on XX/XX/XXXX ). They gave me some weak excuse about payment allocation, which, to speak frankly, comes off as a cheap ploy to get people to put money towards the lower interest rate while the significantly higher interest accrues in a separate account that we're never reminded of. If I had overlooked this interest charge and failed to call in to inquiry about this, I would've ended up paying thousands of dollars in interest on a growing balance that's not accessible to me. If interest is charged daily on cash advances as I found out not too long ago from a representative, then its absolutely repulsive that customers don't get access to the activity in these accounts in monthly statements or online. Here I was thinking I paid off my cash advance only to find out a year later that they've been charging me interest that they never report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I alerted Equifax to the presence of incorrect information ( addresses ) on my credit report. The incorrect information is still present on my credit report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. 
v I want the CFPB to publish
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is on my credit - this company was my sister in laws account - they have never provide documents, loans, or proof I was on loan. I only got tags for her in my name - and had them removed and turned in - Also the car was sold at an auction and they ares till reporting inaccurate balances, ownership its fraud- they are the only ones reporting inaccuracies XXXX XXXX is reporting fraudulently on my account / never received any documents signed or contacts on a card there was stolen from me and fraud documents were given to collection agency
Product: Debt collection

The debt In amount of {$1400.00} was paid to XXXX XXXX on XXXX Paid in full.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I purchased some ceramic planters from XXXX on XX/XX/XXXX for a total of {$360.00}. On the website, It appeared as one charge in the total amount. The payment was processed in three transactions between XXXX and Citibank ( {$120.00}, {$120.00}, and {$110.00} ). The items were delivered. No problem. 

Then, after the items were delivered, I started seeing new charges to my card in the amounts of {$120.00} and {$110.00} from XXXX. They appear, my available balance is reduced accordingly, and then the disappear. Then, they reappear as new charges on new dates. 

XXXX says refuses to look into it because the amounts are not exactly the same ( one is the same, one is one penny more than a previous charge ). They say to call the bank and report them as fraudulent charges. In my first calls to Citibank ( late XXXX ), even though I could see the pending charges on the website and on my mobile app, the customer service agent couldnt find them so he couldnt do anything. ( He told me to call XXXX. ) I called Citibank again when the charges reappeared with the date XX/XX/XXXX. Now they can see them, but they say I have to wait for the merchant to claim the money, which will complete the transaction. Then, I can dispute it. They refuse to call XXXX together with me on the line to sort out the problem once and for all. Even though the charges are pending, it still reduces my available balance, depriving me of access to my full funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was showed on the credit report as being late in XXXX and XXXX, I've always paid my account on time before the Covid -19 crisis, I contacted the company to let them know I was quarantined for two weeks both months due to covid exposure and the creditor told me it would not be a problem and it wouldn't affect my account but they still reported late payments to my credit report, I have disputed the account and provided paperwork but both times nothing has changed
Product: Consumer Loan

In XXXX of 2014 our automatic payment to Capital One Auto Finance was declined by our bank because of insufficient funds. We completely were blissfully unaware. We did n't receive notice from them ( Cap One ) - but to be fair, we are paperless. So our regular XXXX payment was actually applied to XXXX. Then XXXX to XXXX and so on. We went along like this until XXXX when we were denied a mortgage refinance. We rectified the mistake, but still have XXXX, 30-day late consecutive payments. We do n't think this is reflective of our credit-worthiness as we were unaware that our payments were late. They made no contact with us. 

We submitted a letter requesting a goodwill removal on our credit reports, but we were denied because the reporting was accurate. However, without notice, we were compunding a simple error into an overwhelming XXXX. 

Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have found the following account listed below to be in error. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under LATE OPEN and consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX Balance : {$1200.00}, XXXX XXXX Balance : {$9500.00} Date Opened : XX/XX/2007, XXXX XXXX XXXX XXXX Balance : {$47000.00}, XXXX XXXX Balance : {$3700.00} Date Opened : XX/XX/2007
Product: Debt collection

Comenity bank is repeatedly contacting relatives and distant relatives regarding a debt they say I owe them. They will not stop calling them, even after being told that they are calling the wrong number. They are harassing people that have no connection to me or said debt.
Product: Debt collection

I contacted XXXX on XXXX XX/XX/2021 to report identity theft for credit report # XXXX. However, no customer service person from XXXX was available to take down the information. Therefore, I reported identity theft to the Federal Trade Commission XXXX XXXX XXXX. 

Key2Recovery Inc, put an account into collections as a direct result of identity theft from the XXXX and XXXX data breaches. On XXXX XX/XX/2021, I immediately disputed the information with XXXX which did not remove the information. The dispute remains pending with XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I was informed today by XXXX XXXX there is auto accident on my record but I have not had a vehicle. 

XXXX informed me the information is listed on the XXXX report for Lexis Nexis. 

I have not had a vehicle since XXXX because I was in the military and out of the country. I returned back to the United States in XX/XX/XXXX and still do not car. 
In XX/XX/XXXX, while visiting the US my license and other documents were stolen because I lost my purse. During that time I had to request a credit lock and monitoring. This is the only even I can think of for the record Today, XX/XX/XXXX while in the process car buying and getting insurance I was informed of the situation on my record. I do not even know who to contact since I wouldnt know why it is on my record. 

I would love to get this resolved as it affects my insurance coverage and policy. Thank you!
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2018 for and amount of {$1300.00} dls, was charged to my account due to an error on the merchants website and submitted a dispute which was processed very poorly and not enough effort in getting my money back which now I am being charged along with interest. Also I have done 90 % of the leg work for Chase and provided them with information but nothing yet. Also feedback in never consistant very upset and tired. Please advise
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry from XXXX XXXX XXXX XXXX XXXX on my credit report. This is a fraud account. I dont have small business, nor did a apply for anything to do with a small business.
Product: Credit card

As of XX/XX/XXXX was the last time I received anything from the company but it is still showing on my credit. I have asked them to send me information about the purchases and still have not received them. I have spoken with several agents over the phone over the years since the card was stolen by my roommate. I have gotten a judgement against me because of this card. I was sent a letter stating that I needed to show a police report, I did not get one because the person was my roommate and they did not allow me to file on where I lived at the time the charges were made. It was in XXXX South Dakota. I requested years ago to have the card closed because it was gone and so was the roommate. I have disputed the charges online, I sent in the dispute letter to them back in XX/XX/XXXX that came in the mail from XXXX XXXX XXXX. I have not heard back from them, no more letters or correspondences. 
The company had me served by XXXX XXXX XXXX in Arizona back in XXXX, I did not receive a copy of the judgement at the time. It was received months later in the mail that it was given to someone who was at my apartment at the time. Not a resident ; though the letter states a CO-RESIDENT
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy in my file, I have reached out to the XXXX XXXX XXXX XXXX XXXXor validation of which they do not offer. Per FCRA 623 ( a ) ( 5 ) If the Credit Bureau can not validate the information with the originator, they must remove said information from the consumer credit file. Letters were sent to XXXX and Equifax on XXXX/XXXX/2017 with a copy of letter from XXXX XXXX XXXX XXXX stating they do not report to credit reporting agencies. Please see attachments