23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I pull my credit report and found out that CALIFORNIA BUSINESS BUREAU : ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX. I am filing this complaint against them for non-compliance violations. I wrote them a letter of validation on XX/XX/XXXX certified mail with return receipt. They received on XX/XX/XXXX and reply on XX/XX/XXXX. This company has violated Federal , State, FCRA and FDCPA by reporting invalidated information which might constitute as fraud. You have not only violated federal and state laws, but you have also failed to provide me with copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The following non-compliance violations:1 ) They show no proof that they have an agreement with the original creditor to collect this alleged debt. 2 ) They have no copy of a signed contract where I allegedly agreed to pay the charges. 3 ) The medical bill reveals personal medical information about me. ( This is violation HIPAA- HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ), rules prohibit disclosing my individual 's protected health information unless you specifically authorized them to. 4 ) Creditor is reporting history inaccurately such as last date reported and last activity dates are all wrong : The case US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan. This defamation and causing me financial injury. The fine extent of damages incurred by the wronged party as deemed by the court. 5 ) Collection agencies " Re-Age '' by reporting the date of last activity instead of the date of the first delinquency. 6 ) Collection Agency, has not validated my debt and they are still continue to report to the credit bureaus. Consumer protection afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre fines. Be aware that I am making a final goodwill attempt to have you clear up this matter by removing this item from my credit report. I am maintaining a careful record of my communication. I further remind you and the credit bureaus as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal. XX/XX/XXXX) you may be liable for your willful non-compliance. This matter is harmful to me especially doing this COVID-19 pandemic please delete immediately.
Product: Checking or savings account

XX/XX/2019 Friday, Chase Bank, XXXX XXXX, ( Mgr : XXXX XXXX ), XXXX XXXX, XXXX XXXX, Michigan, XXXX. 
My deposits and withdrawals do not add up, reflecting a negative balance of $ XXXX. 
I talked with the bank manager to resolve the issue, she escalated this information further and was told someone would get back to me. 
My Account had a negative balance of {$5.00} this morning, before the deposit of XXXX. 
Account owing {$2000.00} ... ... .withdrawals of - {$21.00}, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, ( ATM withdrawal at this bank ) XXXX approximately XXXX. My balance is XXXX. 

The bank accessed a fee of {$34.00} for being over by {$.00}. It was reversed today. Therefore, the bank says it cancels each other out, it should not reflect a change in my balance if it cancels each other out? BUT IT DOES. SEE ABOVE. 

I do not have access online to my account, locked out. I signed up for overdraft protection ( was approved ), alerts to new charges and low balances by text and email. I do not receive them at all. 

My debts and deposits do not add up. I keep having this issue from MICHIGAN TO OHIO. When something is returned or reversed.
Product: Checking or savings account

Chime " XXXX '' Refused rebuttal when they offered me for amount of XXXX which was denied. 

MY REFUND has been sitting for 75 days for said XXXX Chime disputes says they offered me a rebuttal and I said I want my XXXX that isn't supposed to be taken out since XX/XX/2021. 

Chime DENIED my refund AFTER XXXX was refunded and then XXXX was taken out again. 

CHIME was notified via APP customer service I have been fighting to get my XXXX back THEREFORE BAD BANKING LAWS, ILLEGAL ACTIVITY WRONGFUL REFUNDS HANDLING. 

I have screenshots and photos of dates and what happened. 
I was NOT given an offer rebuttal! 
SHUT DOWN CHIME!!!!!!!
Product: Debt collection

Around XXXX XXXX this morning, I received a call from a local number that turned out to be XXXX XXXX XXXX. The person on the phone was rude, insisted I give her personal information and shared my birthday and zip code in an effort to get me to verify my identity. ( I didn't tell her this data, she told me and shared other info that should be private. ) Then the person said I had a debt of {$3000.00} and demanded that I take care of it. I told her this was involved in litigation ( from a car accident last year, ) and she demanded to know the date of the accident. I once again reminded her that I do not share personal data over the phone with strangers and she told me that the debt was from 3 separate incidents. She demanded again the date of the car accident. I told her again that I do not share info over the phone, and since she was escalating her demands, and her tone was threatening, I would be getting off the phone and I wished her a good day. She then threatened me with proceeding with further debt collection tactics at which point I hung up the phone. I feel shaken, and very upset. I don't mind working with people, but I will not be threatened over the phone by anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts via calling and written disputes. TransUnion refuses to correct my name under my personal information. I have never been named XXXX XXXX XXXX or XXXX XXXX. I have never legally changed my name, I have never signed anything using these names, I have never used those names on anything and I do not know how they are verifying anything with a name I have never had/used.
Product: Bank account or service

I opened a CitiGold checking account in XXXX of 2016under the promotion code XXXX which would give me XXXX XXXX XXXX miles after {$1000.00} in debit purchases and XXXX automatic bill pays from the account. I completed XXXX of these tasks but was then was givn the runaround by Citi representatives when I inquired about the promotion that was tied to my account. I was then given notice that Citi would not honor promotional offer that was promised to me when I signed up for the account. It is now the end of XXXX 2016 and I still have not received the XXXX XXXX miles that I was promised when I first opened the account, even though when I opened the account I confirmed with a representative that the promotional offer was tied to the account.
Product: Credit card

Subject : Complaint Regarding American Express Rewards Points and False Advertising On XX/XX/XXXX, I reviewed my American Express rewards points balance and noticed I had approximately XXXX points. I decided to redeem my points for a {$500.00} XXXX gift card, which required around XXXX points. After selecting the gift card and proceeding through the necessary steps, the American Express website failed, displaying an error message and kicking me out. I tried again later, but the website then indicated that I did not have enough points to make the purchase, despite my balance still showing XXXX points. This suggested a technical error had occurred, and my points were essentially blocked. 

After a third attempt later in the day with the same outcome, I contacted American Express customer service through their chat. The agent, who was courteous, confirmed my identity and understood my issue. He attempted to purchase the gift card on my behalf, with my authorization, but informed me that they could only provide a mailed physical card, not the advertised digital version. As I am traveling, a physical card is not a viable option for me. 

This situation resulted in a waste of over an hour of my time due to the inability to access a product as advertised. American Express falsely advertises the availability of digital gift cards, which they could not deliver. I am requesting compensation for the time spent and the inconvenience caused by this false advertising and the subsequent errors in the rewards redemption process. 

Thank you for addressing this issue.
Product: Mortgage

I have been currently working with my mortgage loan provider regarding past due payments on my mortgage account due to my husband having lost his job. I started working with XXXX XXXX at Wells Fargo bank and besides her just not being prompt or sensitive to such an important matter like our home is. Once our case was reviewed for repayment options we were told options through Wells Fargo were denied, but nothing specific was disclosed. I appealed their decision once my husband was able to acquire XXXX part time positions and asked for our case to be reviewed. According to the rep during this process our foreclosure status would be suspended. I received a call from her telling me our appeal had been denied. I began to ask questions regarding this decision. I wanted to know why and exactly the reasons why since we have more income now to cover our mortgage costs. I have yet to receive a phone call explaining anything from her or anyone at Wells Fargo, and when I contacted the foreclosure department and they advised me that my home is now in active foreclosure. I asked the rep in the foreclosure department to go over all of the fees to reinstate the loan and NOT one person can give me a break down. I really feel that we are being taken advantage of and I do not think this is even legal to do. I will be seeking legal counsel.
Product: Debt collection

not allowing me to work payment options after time and time again I requested help
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 XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C. 1681s-2 ( 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. 

Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XXXX I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to ensure everything was reporting 100 % correct and accurate. 

Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : XXXX XXXX XXXX Account Number : XXXX investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 

Account name : XXXX XXXX XXXXXXXX Account Number : XXXX investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 

Account name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 


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

I need these things removed because it is effecting my credit history and it doesnt look good on my report they are all incorrect
Product: Credit reporting or other personal consumer reports

Several companies inquired my information and I didnt approve them to run my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX and # XXXX is reporting two charged off collections on my account. However these are past the statute in Utah and I no longer owe this debt. These need to be removed off of my credit.
Product: Mortgage

Good Afternoon, I am trying to contact Truist Mortgage- formerly Suntrust Mortgage- regarding my forbearance agreement. I already had one complaint filed with you, regarding this mortgage company, which you helped me resolve. 
COMPLAINT ID XXXX Covid Forbearance- I was to pay 3 months on time and then I would receive the new mortgage agreement in the mail after the underwriters were done. I was promised it would be sent out in XXXX, but never received it. I received a letter telling me it was being completed and to continue making payments, but I can not make the payments due to the following. I had auto payments set up for the 3 months. I can not pay online because it goes back to the first payment missed, not the current payment due. I tried to make the payment over the phone, but was put on hold for 1.5 hours yesterday x 2. They do not answer the phone call que, they do not respond to online chat and there is no way to email them on the website. I can not contact this company or pay my current mortgage payment or find out when I am receiving my new mortgage agreement. ( I also don't understand why they add all the missed payments onto the principle when those payments would have paid the principle down. It has increased my mortgage with the escrow, interest and missed payments to over 30K. ) Covid relief added all my missed payments on, which i did not understand would happen. I understand the escrow and interest, but not the missed payments increasing my mortgage. 
They should not be in business if they can not hire people to answer the phones. No one has time to sit on the phone for over an hour. People need a response to issues same day. The call back que does not call back. I need to be able to pay my payment without speaking to anyone over the phone and not be put on hold for hours. 
I want my new mortgage completed and sent to me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # Bankruptcy XXXXXXXX XXXX-discharged Filed on XX/XX/2018 Reference number : XXXX, has violated my right. 



15 U.S.C 1681section 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

I recently received a copy of my XXXX, Equifax and XXXX consumer report, and it has come to my attention that you are reporting my transactions with these companies to the consumer report. 

XXXX XXXX XXXX XXXX ACCOUNT # XXXX Late Payment : XX/XX/XXXX thru XX/XX/XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX Late Payment : XX/XX/XXXX Department of ED/XXXX  ACCOUNT # XXXX Late Payment : XX/XX/XXXX and XXXX thru XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX Department of ED/XXXX  ACCOUNT # XXXX Late Payment : XXXX thru XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX The credit reporting agencies are in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) 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. 

Did I give you written instructions to furnish this on my consumer report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Department of ED/XXXX  are in violation of 15 USC 1681. 

I have also sent certified letters with no reply. This is my final attempt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown account on my credit report. There are multiple errors shown in my report. Please verify that this account is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX
Product: Debt collection

A collection agency illegally re aged one of my accounts. 

XXXX XXXX. 
XXXX, NV XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am an XXXX XXXX XXXX XXXX member stationed in the state of Louisiana and applied for a reduction in interest rate from Best Egg on XXXX XX/XX/XXXX, under the Louisiana Servicemembers Civil Relief Act ( SCRA ) which limits interest rates to XXXX % in accordance with LA Rev XXXX XXXX. My Best Egg loan is in the amount of {$40000.00}, opened on XXXX XX/XX/XXXX, at an interest rate of XXXX  %. On XXXX XX/XX/XXXX, I received a reply from Best Egg denying my request stating that I am not covered under SCRA because I am an XXXX XXXX member and I was on XXXX XXXX when I opened the loan. Additionally, Best Egg cites the definition of " obligation '' stating that the limits on interest rate and fees do not apply to my loan with them. On XXXX XX/XX/XXXX, I responded to the denial asking them to reconsider, reciting the LXXXX XXXX  XXXX demonstrating that the statute does not take into account whether or not the member is XXXX XXXX or not at the time the loan is opened. Furthermore, I contended that they slightly misquoted the statute while defining " obligation '' and failed to consider defining " services '' which I argue includes the provision of funds loaned to me. On XXXX XX/XX/XXXX, my case was escalated to the customer response team. On XXXX XX/XX/XXXX, a customer response team member reached out to me, however, offered no additional information, clarification or resolution. In both that conversation and the email communication informed them that I would be filing a complain with CFPB, and if I am unable to resolve my issue with CFPB, I will forward my complain to the Office of the Louisiana Attorney General. I have tried to inform Best Egg that the intent of the Louisiana XXXX statute is to protect all military members from interest rates above XXXX  %. Best Egg advertises they support the military community and the fact that they go above and beyond the XXXX standard of XXXX  % offering those that qualify at rate of XXXX %. I am hopeful that Best Egg will quickly resolve this issue once they receive the CFPB complaint, and the denial was a result of misunderstandings by their employees at the lower levels.
Product: Credit card or prepaid card

I applied for membership with Navy Federal Credit Union and I was approved for membership. I was a member before but I was dropped as a member after I filed for bankruptcy in XX/XX/2003. I received a pre-approval letter from NFCU and I applied online. I was denied and the denial was based on " that I caused NFCU a lost ''. My bankruptcy has been over 10 years and I am still being denied credit. 

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

XXXX XXXX XXXX has not received written permission to report information regarding transactions or experiences against my consumer report. 

Reporting late payments and alleged loan amounts constitute transactions and experiences. I did not give my written consent. 

I am disputing the reporting of these late payments and utilization by the credit reporting agencies per 15 USC 1681 ( a ) A consumer report does not contain any transactions or experiences between the consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was applying for a loan 1 year ago and found that XXXX XXXX had put me in collections for an account that I did not know existed. I dropped out of the school early in the semester. I called XXXX XXXX and let them know that they XXXX had reported the same account 2 times and they confirmed that there was only 1 account and set me up on a repayment plan of {$50.00} a month. I called Equifax to dispute the duplicate reporting with dispute # XXXX and never got a response back. 1 year later the duplicate reporting is still on my credit report. the correct account balance is {$1500.00} and being paid, their is another reporting of the same account with {$2000.00} that should have been deleted from the report over 1 year ago when I first disputed it. I have put in a new dispute with Equifax online the new # XXXX and I have attached the proof of payment on the account. If this does not get fixed asap this will cause me inconvenience in purchasing a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

My payments have been deferred since day one on my student loans due to my family size versus my income. My loan payments have been reported late after I have completed all necessary paperwork and mailed it to the correct places. The first loan payment I have every made was this month XXXX. Before this date I have always been deferred on all of my student loan payments. One credit company removed all late payment from my report just recently after I filled a complaint. I filled the same complaint with XXXX and they did not remove the late payment. I could have never been late when all have been deferred for the life of the loan. This has cost me thousands in interest fees on other loans due to them reporting me late. Please remove all late payments from my report on all student loans since they could have never been late based on all loans being deferred for the entire life of the loan until XXXX. As of XXXX I started making income based payments on my student loans since I now make enough money versus my family size to do so.
Product: Credit reporting or other personal consumer reports

XXXX writing today to voice a concern about an issue which the credit bureau has not complied with. The following account is in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, Englehardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the item nor done any level of investigation to support their position. I need this account removed due to the rules of estoppel. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have fraudulent charges in this account. 
I am requesting all credit card statements since I am have opened the account. 
The company Did not provided the Credit Card Statements. 
XXXX did not contact the company with accuracy to see the unauthorize charges and fraudulent events in my account.
Product: Checking or savings account

I have 2 pending transactions for XXXX for each stay at a XXXX XXXX XXXX stay in which the room and tax has already finalized and the incidentals held were released from the hotel but has not been released from Venmo. In their policies it states that I would need to wait 30 days for the hotel business to finalize. The dates of my stats are XXXX XXXX XXXX as well as XXXX XXXX XXXX. I have contacted Venmo on numerous occasions and they keep telling me that they will make a claim, have someone email me, and make it right. I still have not received any of my money and I dont know what to do.