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

XX/XX/XXXX, I tried to take out a hardship from my 401K they denied it twice charging a total of {$90.00}. Instead of letting you know what missing paperwork you have to approve it, they deny it to maximize their revenue. They told me insurance is pending so it doesnt qualify if insurance doesnt pay itll just make the bill even more and the amount I requested didnt cover the complete bill anyways. I pointed out where insurance was forwarded to the bill and patient balance was {$490.00} they said that wasnt good enough. No where on their website do they describe exactly all thats needed or what exactly is appropriate information! They said they needed patients bill showing what insurance covered I sent them the bill that says what insurance was pending and the patients balance. Their requirements arent specific on whats appropriate or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many multiple incorrect addresses and name spellings on my credit report. 

Below is the only accurate information XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX There are multiple miss spelled names that should be deleted off of my credit report, as well as multiple addresses which I never lived. 

The only previous address I should have on my credit report is XXXX XXXX XXXX XXXX, NY XXXX Please delete the following addresses XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX [ Re : Complaint and Dispute Against Affirm , Inc. LLC ] To whom it may concern, I am writing to file a formal complaint against Affirm , Inc. LLC for violations of consumer financial protection laws. In addition to the complaint, I am also disputing any debts to Affirm , Inc. LLC and revoking all rights of Affirm , Inc. LLC to communicate with me through email, texts, or calls.

Furthermore, I am requesting validation of the debt as well as the purchase agreement between Affirm , Inc. LLC and the original creditor. Please provide this documentation within the prescribed timeframe.

I believe that Affirm , Inc. LLC has violated the following regulations : 12 CFR 1006.34 ( b ) ( 5 ) : Failure to provide validation of debt within the prescribed timeframe.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : Failure to provide accurate information to consumers.

12 CFR 1006.34 ( d ) : Engaging in unfair or deceptive practices in the collection of debts.

15 USC 1681-S2 ( 7 ) ( A ) : Failure to comply with the Fair Credit Reporting Act ( FCRA ) requirements.

Details of the alleged violations : Failure to provide Validation of Debt : Despite multiple requests for validation, Affirm , Inc. LLC has failed to provide any documentation or evidence to prove the validity of the debt they are attempting to collect, in violation of 12 CFR 1006.34 ( b ) ( 5 ). Inaccurate Information : The information provided by Affirm , Inc. LLC regarding the debt is inaccurate, in violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). The amount claimed and the details of the debt do not align with my records, and I dispute owing any and all debts to them.

Unfair or Deceptive Practices : Affirm , Inc. LLC has engaged in unfair or deceptive practices in their attempts to collect the debt, as prohibited by 12 CFR 1006.34 ( d ). This includes harassment, threats of legal action, and misrepresentation of the debt.

Non-compliance with FCRA Requirements : Affirm , Inc. LLC has failed to comply with the requirements of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681- S2 ( 7 ) ( A ), by reporting inaccurate information to credit reporting agencies and failing to investigate disputes regarding the debt. 
Sincerely,
Product: Credit card or prepaid card

Spoke to a supervisor today named XXXX from the Arizona call center. I advised that I have a pending CFPB from Bank of America regarding the lackluster service I have been receiving. I wanted the {$12.00} credit on my checking account in which she refused to adjust. I terminated the services. Now I see an {$8.00} charge under my savings. I need the {$20.00} to be adjusted if not I will file a complaint with the New York State Banking department. I have been trying to contact XXXX XXXX ( XXXX XXXX ) to no avail. The previous CFPB is XXXX.
Product: Debt collection

I received a debt collection letter from American Coradius International LLC stating I owe XXXX money, yet I have no XXXX balance and XXXX has never contacted me about owing money. I think my credit card company that I use would be contacting me about this since that's what gets charged when I buy something through XXXX. 

This is what they are trying to say As of XX/XX/XXXX, I owe {$98.00} Additional debts : {$510.00} no interest no fees Total amount owed {$610.00} I have not used XXXX since XXXX of XXXX. 
They say this is in reference to XXXX account number XXXX. XXXX does not use account numbers, they use your email address to identify your account. 

Here is the address and phone number they gave XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ( how funny, my address numeric ) XXXX NY XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As a victim of identity theft, I am requesting the block of fraudulent information from my credit report as mandated by law! Particularly the FCRA XXXX XXXX. The following items were not authorized by me and are the result of identity theft : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Amount : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$9800.00} XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Amount : {$9900.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Amount : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Amount : {$480.00} XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Amount : {$670.00} XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Amount : {$980.00} XXXX XXXX XXXX XXXX XXXX Original creditor Opened : XX/XX/XXXX Amount : {$100.00} Attached are copies of my identity theft report. ( Which by law is all that is required ) Please block this fraudulent information from my credit report, refrain from reporting these items to others, and send me an updated copy of my credit report once this is done. This is my second attempt at resolving this with your company, but you knowingly and willingly gave me false information stating that my documentation was not suffice, however after consulting with an attorney, he told me they were, I am hoping that your company abides by the law this time and do what is required for you to do by law! 

Thank you for your cooperation in resolving this issue. 

Enclosures : Identity Theft Report, proof of identity and proof of address.
Product: Credit reporting

applied at XXXX and requested my annual XXXX free reports, none of the XXXX reporting agencies would relesase/show me my own credit information?
Product: Credit reporting, credit repair services, or other personal consumer reports

Payment late do to a natural disaster of coronavirus virus.
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. XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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: Checking or savings account

On Wednesday, XX/XX/2022, I used an ATM in a casino ( XXXX 's XXXX XXXX ). I attempted to withdraw {$600.00} plus there was a fee of {$38.00} for a total of {$630.00}. 
The money was not given to me from the machine but a transaction slip was printed out that I go to a cash window as I ( mistakenly ) chose a credit card advance ( I was using my debit card ). The slip said that If I did not turn in the receipt for money, there would be no funds withdrawn from my account and any holds would be stopped after 1 hour. I went a window but was unable to get cash as my ID was expired. I checked my account Friday and the funds were there and available so I withdrew {$600.00} from the ATM at another location. I threw away the slip that said no funds would be taken at this point since my money was in the account and available for withdrawal. On Saturday, my account was overdrawn because Chase took the {$630.00} out of my account. I filed a dispute with the bank which was denied. The sole reason was that is was a 'pin based transaction '. I called Chase on multiple occasions to see what steps were taken to confirm that money was withdrawn from my account and delivered to the merchant and was always advised that it a different department that did the investigation. I requested a breakdown of the investigation and was never provided anything despite my multiple requests. I reached out to XXXX 's where the transaction occurred and was given the information for XXXX who I was advised was the ATM merchant ( phone number XXXX ). XXXX gave me a case # of XXXX. I was told to wait 5-10 days for an outcome and did so. XXXX confirmed no money was taken from the ATM ( aka merchant ) and that Chase should refund my money as the merchant never received any. After another call to Chase, they still refused. I then got Chase and XXXX on a conference call and XXXX conveyed to Chase that they did not receive the funds and still Chase refused. They asked for XXXX to fax over proof. On XX/XX/2022, I followed up with Chase regarding after the requested 3-5 day waiting period after the merchant confirmed there was no transaction in the conference call. Per Chase, there were no notes regarding the hour call or conference with merchant, no notes regarding the merchant advising there were no funds received and would send over a fax of a screenshot as requested. They just kept saying my claim was closed and they cant do anything. I asked again how I find out what steps Chase did in their investigation to deny this claim; was advised that 'Investigations ' does that and they dont have that information and could not provide it to me. Asked again how I get the step by step investigation done on my claim to determine the claim should be denied. She put me on hold and then said Chase requested documentation and did not receive it. This is effectively theft by Chase ; I have not been given any proof they have taken any steps to disprove my claim, the merchant has advised me and a represented no money was withdrawn, and still Chase refuses to refund my money. I have spent many hours trying to resolve this matter.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring your attention to inaccuracies on my credit report that occurred as a result of financial hardship caused by the COVID-19 pandemic. According to federal guidance and the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, creditors and credit reporting agencies are expected to provide relief and leniency to individuals financially impacted by the pandemic. However, I have identified derogatory marks and late payments on my credit report during this period that do not align with these provisions. Explanation of Circumstances : I was financially affected by the XXXX pandemic, resulting in a loss of income and unemployment during [ XXXX ]. During this time, I communicated with my creditors regarding my financial situation, requesting relief and accommodations under the available programs. Despite this, late payments and other derogatory remarks were reported to the credit bureaus. Under the CARES Act, lenders were required to report accounts as " current '' if accommodations were made due to pandemic-related hardship. These negative entries appear to have been reported in error or without considering the appropriate guidelines. The complaint is regarding the below accounts on my credit file : XXXX : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a closed XXXX account I never had before attached to an address Ive never live before.
Product: Credit reporting or other personal consumer reports

Mortgage pmt with XXXX is due on the XXXX each month. They erroneously set up the due date as the XXXX in servicing. Based on the statements from XXXX, I was not 30 days late in the past 12 months. Also is an email confirmed they had the incorrect due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act - XXXX XXXX XXXX  Account # XXXX XXXX {$370.00} XX/XX/XXXX XXXX XXXX  Account # XXXX {$1300.00} XX/XX/XXXX XXXX  XXXX Account # XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXending Account # XXXX {$0.00} XX/XX/XXXX XXXX XXXX lending Account # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Less Account # XXXX Charge off {$1900.00} XX/XX/XXXX XXXX XXXX XXXX less Account # XXXX Repossession {$0.00} XX/XX/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: Checking or savings account

I XXXX XXXX opened an chime account for myself, for work check deposits. I opened the account on XX/XX/2022 I have money still in my account after 3 hours of my account being activated I try to log into my account and it said " Your account may be locked or suspended '' but I haven't done anything but deposit money into my account. I have been waiting patiently but I'm getting to the point just calling for a lawsuit.
Product: Mortgage

I have called and posted my issue in the message system for Specialized Loan Services regarding the payoff of my 2nd mortgage; requested the full reconvenyance and refund of overpayment. I used the online system to get the payoff balance and made two installments, the first at {$50000.00} was posted on XX/XX/2023 and the balance of {$14000.00} ( per the payoff provided ) posted on XX/XX/2023. Shortly after the payments processed I called and was told it would take 51 days for them to issue the refund ( an overpayment per their site of {$580.00} ) and to provide the reconveyance to support loan paid. I have sent messages again, no response. It is now 65 days with no response and I am concerned about clearing the lien status on my property to just reflect my first mortgage.
Product: Credit reporting or other personal consumer reports

# XXXX Conserve I'm unaware this debt. I did not receive proper notification to be allow to dispute this debt. 
Please provide certified mail with a receipt bearing my signature. If not please remove asap.
Product: Checking or savings account

Formal Complaint Regarding {$400.00} XXXX  Checking Account Bonus Dear Truist Bank, I am writing to formally file a complaint regarding a promotional bonus of {$400.00} associated with the opening of a XXXX XXXX Checking account. Despite fulfilling all requirements stipulated by the promotion, I have not received the bonus, and your refusal to honor the offer is unacceptable. 

The details of the issue are as follows : - I opened a XXXX XXXX  Checking account over the phone with your representative, XXXX XXXX on XX/XX/year> - During the account-opening process, I provided the promotional code XXXX, and XXXX confirmed that the XXXX had been successfully applied to my account. Additionally, he assured me that my account was eligible for the promotion at the time of applying the code. 
- According to the promotions terms, I was required to make qualifying deposits totaling {$2000.00} into the new checking account within 30 days of account opening to be eligible for the {$400.00} bonus. 
- I successfully fulfilled this requirement by depositing the required amount within the specified timeframe. 

Despite meeting all the terms and confirming the promotions eligibility at the time of account opening, Truist Bank has refused to pay out the {$400.00} bonus. This refusal is both unjustified and a breach of your promotional terms and conditions. 

The only resolution I seek is straightforward : I request that Truist Bank honor its promotional commitment and deposit the {$400.00} bonus into my account promptly. 

Failure to resolve this matter promptly will leave me with no choice but to escalate my complaint to the appropriate regulatory authorities and explore further options to address this issue. 

I trust Truist Bank values its customers and operates with integrity. I expect your prompt attention to this matter and look forward to a resolution within [ reasonable timeframe, e.g., XXXX business days ].
Product: Credit card or prepaid card

I signed up for the XXXX XXXX XXXX card ( with XXXX XXXX ) from Chase Bank. I signed up under an offer where I would receive 50,000 bonus miles after spending {$3000.00} in the first 3 months after opening my account. However, when I went to purchase a plane ticket with XXXX, less than an hour after I applied for this credit card, I discovered another offer where I would receive those bonus miles, and also a {$100.00} statement credit after my first purchase. I contacted Chase to see if I can receive that promotion, both through phone and XXXX Messenger, and was told that I could not change my application to receive that offer. It did not seem that I would be able to change or cancel my application without affecting my credit score. It appears that Chase is using this mere technicality as an excuse, and do not care about me as a customer. I have attached a screenshot of the offer I have mentioned here, and would like Chase to honor.
Product: Credit reporting or other personal consumer reports

In XX/XX/2017, Equifax announced that it had been the XX/XX/XXXX on its systems. The attackers gained unauthorized access to the personal information of approximately 147 million U.S. consumers. This information included peoples names, Social Security numbers, birth dates, addresses, and in some instances drivers license numbers, credit card numbers, or other personal information. 

Numerous lawsuits were brought on behalf of consumers whose personal information was impacted as a result of the XXXX XXXX.XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX for the XXXX XXXX XXXX Georgia is overseeing these lawsuits. These lawsuits are known as In re : Equifax Inc. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX. The consumers who sued are called the Plaintiffs. Equifax XXXX Inc., and two of its subsidiaries are the Defendants. Plaintiffs claimed that Equifax did not adequately protect consumers personal information and that Equifax delayed in providing notice of the data breach.
Product: Debt collection

On XX/XX/XXXX During the shutdowns of Coronavirus I contacted XXXX in XXXX XXXX, California through email as a concerned member that had just been charged a monthly membership of {$20.00}, even though they were closed. I received a reply from the manager that he would make sure that moving forward the account would not get charged and that anything that was owed to me would be giving back to me once the gym opened up again. ( emails are attached for reference ) On XX/XX/XXXX I contacted XXXX by email again, this time for one main reason ; to cancel my membership. I received a bit of resistance from the manager by email, by offering me to instead freeze my account. I was set to cancel no matter what. After that email he also called an old phone number that has not been mine for years and gave information about my account to that person. All this was done knowingly that that person was not me and someone else. I was not happy about that either. I responded back by email saying that I wanted to proceed to cancel my account. After that email was sent I considered it done as there was no other response back from him. This was still during the shutdowns when the gyms were still closed. ( emails are attached for reference ) 6 months later In XX/XX/XXXX I receive a text on this day from an employee named XXXX from XXXX, threatening to send me to collections if I did not pay what was past due. I was shocked to know that Crunch had never canceled my account as requested in XX/XX/XXXX. I immediately contacted them by email. I waited the time the XXXX website suggest to wait for a response and no reply was ever received on my email. I then proceeded to contact them by phone and spoke to an employee at XXXX regarding this issue. She didnt give me any information I requested and she advised to wait to get a call back from XXXX which is the manager ( the one I had communicated by email in XXXX and XX/XX/XXXX ) and not to worry that they were having software issues and that I was not the only one with this past due balance issue that needed to be resolved. Regardless, I waited and no call was ever received from XXXX at XXXX in XXXX XXXX, CA. The customer service I have experienced with them is unprofessional, not returning email messages, trying to understand and communicate and not being able to do so, for a suppose debt that I am sure do not owe. ( text message and email are attached for reference ) On XX/XX/XXXX I received a letter a little late because it was sent to the wrong address in the mail. Its from XXXX collection agency, law firm Aldous & Associates. Stating I owe {$270.00}. This is not correct at all. ( Picture of letter is attached for reference )
Product: Credit card

I changed my address in XX/XX/year> with XXXX XXXX I was issued a new card and continued to make payments but my available credit was always XXXX. I called XXXX on XXXX and was told my account was closed due to fraudulent activity because I changed my home address and didnt return a form along with my drivers license. I wasnt told that a form would be sent out. I also have a Milestone Credit card through XXXX and updated my address on the same day but didnt have that issue. They said they are unable to open it back up.