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

On XX/XX/2022 Chime closed my account for violating terms and conditions after a review. I was not given a specific reason why even after replying and requesting more information as to how decision was made. All they did was refer me to the user agreement which does nothing to indicate why my account was closed. It is just too vague to help me at all. I can not call them, as the auto message refers me to the email. I can not login to use chat, as my login credentials are no longer valid. 
So, after several years without a problem, now my money is gone and my future deposits are going to be returned. Any help would be appreciated here. 
Chime also did nothing to help me with multiple disputes I had with a single merchant that never sent my orders. I had over 20 orders that I never received over course of 12-14 months and Chime customer service said that I could open a dispute for each transaction I never got from the merchant. So, back in XXXX of XXXX, after spending hours on phone and collecting all the documents proving that I didnt get any of the orders, they almost immediately denied the claims and any appeal and then sent me a letter accusing me of falsely opening disputes to get temporary credit. This was a real slap in the face. I was absolutely floored. What am I supposed to do when I dont get the stuff I paid for? Chime doesnt care and accuses me of fraud. My first few years I promoted Chime, but these last few months have shown me that they are not to be trusted. Thank you for your time. Respectfully.
Product: Credit card or prepaid card

On XXXX XXXXXXXX XXXX XXXX XXXX Card debited my acocunt with {$15000.00} for a balance transfer to by XXXX XXXX XXXX XXXXThey also applied a 5 % fee of {$750.00} for this balance transfer At a date of approximately XXXX XXXX I called AAdvantage Aviator Credit Card to advise that the balance transfer has not been received by XXXX XXXX Credit Card. I was told to be patient as it can take up four weeks. 

On XXXX XXXX, I once again called AAdvantage Aviator Credit Card to advise that the balance transfer has not been received by XXXX XXXX Credit Card. I was provided a case number and advised that I would be provided with proof of payment in 7 to 10 days. During this call, I confirmed thatA Advantage Aviator Credit Card had the correct account number at XXXX XXXX Credit Card. 

On XXXX XXXX, once again called AAdvantage Aviator Credit Card to advise that the balance transfer has not been received by XXXX XXXX Credit Card and also that I have never received the requested proof of payment. I also notified the representative that I was upset and would be making a complaint to the CFPB. I was given a new case number. 

As at XXXX XX/XX/2023, I still have not heard from AAdvantage Aviator Credit Card My credit agency reports are incorrectly showing that I owe AAAdvantage Aviator Credit Card and XXXX XXXX XXXX XXXX {$15000.00} each I have paid AAdvantage Aviator Credit Card {$750.00} as a fee for the balance transfer while I am continuing to pay XXXX XXXX Credit Card monthly interest on the {$15000.00} The interest fee period that I agreed to with AAdvantage Aviator Credit Card started in XXXX but I am still paying interest to XXXX XXXX Credit Card as the funds have never been applied to that account.
Product: Credit reporting or other personal consumer reports

A number of items were verified with out proof supplied to me as the creditor, I have a quit claim deed in which I have a court order to give the home to my husband and I did a quit claim deed giving up my rights to the home and still have it reporting on my credit as XXXX XXXX XXXX XXXX XXXX failed to remove my mortgage off my credit I also have instructions listed in the attachments below. Please correct this quickly as my ex husbands credit worthiness and financial situation is affecting my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with  XXXX   XXXX , the loan was paid off in full with no late payments. It is reporting as dismissed under bankruptcy with late payment after it was paid. I have called several times in attempts to correct this information on my report. I began calling in  XXXX  to get this resolved and as of today the information is still showing incorrectly.
Product: Bank account or service

My debit card was fraudulently misused. I lost my debit card, and before I could discover or report the loss, there were several unauthorized debit and credit transactions made to and from my checking account. I made a police report of the unauthorized uses of the card and forwarded the police report to the financial institution, HSBC, without any positive recourse to date. 
I have spoken with HSBC customer service telephone bankers, the manager of the HSBC branch, where I initially open the account, banking agents in the bank card security division, banking agents in the fraudulent investigation unit, and agents at the XXXX corporate office. 
On XXXX XXXX, 2016, my bi-weekly paycheck was directly deposited into my HSBC checking account. As per my monthly requirements, I attempted to pay my monthly car insurance and note, and to my dismay, I discovered that my entire paycheck had been depleted and I had a negative balance in my checking account. 
I immediately reported the incidents to the bank card security division of HSBC bank and requested an investigation of the debit and credit transactions observed on my e-statement. To date, I have received no help from HSBC in resolving the matter. 
The investigation has become circular, as I am being referred to multiple HSBC units, without any proposed or possible avenues to commence a resolution ; other advice or assistance, yet I am being hounded daily with telephone calls from HSBC collection department seeking repayment of the monies fraudulently credited and debited. 
The checking account statements for the months of XXXX and XXXX 2016, evidenced both unknown fraudulent debit and credit transactions. The possible explanations given by HSBC for the debited transactions are ambiguous. One banking agent indicated that the deposits were a draw down on an attached overdraft credit line ( of which I have no prior knowledge, nor from which I had ever resourced funds ). Another bank representative stated that deposits that appear on the statements were due to attempts to deposit fraudulent checks. 
The alleged fraudulent deposits referenced took place over XXXX miles away from my hometown. These supposed deposits were not made by me or any authorized agent on my behalf. I have no knowledge nor can I offer any possible explanations how they occurred. 
Additionally, there were several ATM withdrawals and merchant transactions of which I have no knowledge nor can I offer any possible explanations how they occurred. 
I would like to file a complaint with the Consumer Financial Protection Bureau, of the Federal Deposit Insurance Corporation and the Attorney General Office of New York, but I need evidence to support my complaint. I need copies of any and all steps taken by HSBC to investigate the fraudulent debit and credit transactions. 
I lost my entire bi-weekly paycheck as well as I am being held liable for the overdrawn fees, charges and balance. 
I am a valued and long-term customer of HSBC. I need help in discovering the source of the fraud and removing the cloud over my credit history. The best solution would also include restoration of my paycheck.
Product: Debt collection

There were two flags against my registration reported by MCOA ( at direction of XXXX XXXX Police Department for Speed Camera tickets ). 

I paid the two flags and then paid the two tickets to release my registration. Car has been sitting in garage since XX/XX/XXXX due to registration. I called MCOA after waiting for a reasonable time for the flags and tickets to be cleared, but they said that they would not release the flags/tickets from MVA record until other unreported tickets were paid ( as far back as XXXX ). 

I explained to them that as far as MVA records show, if I pay the flags ( which I did ) and those two listed tickets, they would let me renew my registration. The agent was very unprofessional and insisted that MVA did not know of the other outstanding tickets. I asked then, why weren't they addressed or flagged against my previous registrations period and she said that I had to pay them. It didn't seem fair to pay something that I don't recall. I asked her to send me proof of the tickets and she said that I should have ticket notices of the outstanding violations. I told her that I don't recall those tickets and need proof. She said she would send me proof, but instead sent me a list of all tickets she mentioned on the phone without pictures or proof. just a list. I called back and said that i couldn't see or pay them due to a pin number and citation number.

She said that I can pay through her ( each ticket was {$40.00}, but their fee was {$140.00} for each {$40.00} ticket ). Also, on the list were the two tickets that I already paid ( XXXX and XXXX ). Same flag numbers that were paid in XX/XX/XXXX which appeared again recently in XXXX. 

I called XXXX XXXX Police Department and they said that they didn't have record of payment ( as MCOA only accounted for one after I provided receipt, but yet that paid ticket is on my record again and duplicate flagged ). I am not paying twice for same flags.

I think this is retaliation from me requesting MCOA to stop calling me incessantly. They obtained my number after my initial contact and started harassing me with calls. I was planning on paying the tickets, but now feel taking advantage of with this duplicate ticketing/flagging and also, purging old tickets from 6-7 years ago to add to a current collection. 

XXXX couldn't send me copies of original citations and gave me a site to go on. When i went on the site, I needed a citation number and a pin to see the actual ticket which XXXX said they didn't have or MCOA didn't have. 

The fact that they are re-flagging me is what I'm complaining about. 

Also, I saw a glimpse of vehicles that I owned which were not mine on my MVA record ( I don't remember how to get back to that site ). It said that I owned a XXXX XXXX, a XXXX XXXX XXXX with different VIN # ( never had I owned that year. Mine is XXXX ), and a XXXX XXXX XXXX ( which I remember my mom owned when she was alive, and her name is XXXX XXXX and mine is XXXX XXXX ).

Please advise what to do. I am contemplating reaching out to a lawyer, but saw this site.

Thank you.
Product: Credit card

I am filing this complaint against Capital One due to unfair, discriminatory treatment, mishandling of my account, and failure to resolve fraudulent charges and associated fees. My Capital One credit card account was set to autopay for several months without issue. After a payment unexpectedly failed, I paid the balance in full immediately upon discovering it. I contacted Capital One customer service and spoke with a representative who confirmed the account was paid in full and assured me no further payment was due at that time. 

Despite this confirmation, Capital One later charged me an {$8.00} interest fee. When I called to request a waiver based on the representatives assurance, they refused. They then reported me as 30 days past due to the credit bureaus, damaging my credit score, even though I had resolved the balance and was told no payment was due. This feels like targeted mistreatment, and I believe it may reflect discriminatory practices, as their actions lack reasonable justification. 

Additionally, Capital One has failed to address fraudulent charges on my account. I reported unauthorized transactions, but they remain unresolved, and Capital One has refused to waive related fees despite my requests, further harming me financially. 

I have attempted to resolve this by contacting Capital One directly, but they have not corrected the credit reporting, waived the unwarranted fees, or resolved the fraud issue. I am seeking the following : ( 1 ) removal of the inaccurate 30-day past due reporting from my credit file, ( 2 ) waiver of the {$8.00} interest charge and any additional unjust fees, ( 3 ) resolution of the fraudulent charges, and ( 4 ) an investigation into whether Capital Ones actions reflect discriminatory practices.
Product: Credit reporting or other personal consumer reports

XXXX, TRANSUNION AND EQUIFAX ARE REPORTING UNAUTHORIZED, INACCURATE, & FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : DEPT OF ED/XXXX XXXX XXXXXX/XX/XXXX -- -> XXXX -- -> : {$3300.00} DEPT OF ED/XXXX XXXX XXXXXX/XX/XXXX -- -> XXXX -- XXXX : {$23000.00} DEPT OF ED/XXXX  : XX/XX/XXXX -- -> XXXX -- -> {$5600.00} DEPT OF ED/XXXX  : XX/XX/XXXX -- -> XXXX -- -> : {$2700.00} DEPT OF ED/XXXX  : XX/XX/XXXX -- XXXX -- -> {$11000.00} DEPT OF ED/XXXX  : XX/XX/XXXX -- -> XXXX -- -> {$6100.00} DEPT OF ED/XXXX  : -- -> XX/XX/XXXX -- -> XXXX -- -> {$2500.00}
Product: Student loan

I have been sued by New York State Taxation Dept. regarding a Wells Fargo student loan.. Wells Fargo submitted tax information to the IRS regarding XXXX student loan from XXXX that they charged off in XXXX. I had been unable to pay due to being unemployed and my loans went into default. In XXXX I never received a XXXX form from Wells Fargo. The IRS said the XXXX was reported for the XXXX tax year. I had not moved since having contact with Wells Fargo. I was unaware of this until XXXX. I received a bill from the IRS stating I owe them {$740.00} for receiving {$2800.00} from Wells Fargo. Wells Faro reported this to the IRS in XXXX. When I contacted Wells Fargo earlier this year after I received a letter/ bill from the IRS XXXX they said we are sorry you did n't receive the XXXX. Basically they said too bad and sent me a copy of the XXXX I would have received the XXXX in XXXX I would haven taken it to my tax consultant. Now I owe the IRS money plus penalties. How can I be notified 2 years later and Wells Fargo is not accountable for ensuring I received a XXXX in a timely fashion. There only response is we are sorry, here is a copy 2 years later.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax just responded to my complaint about numerouse hard inquiries that are not true. Ive called these people just as equifax advised and have been told they did not report any thing about me that I need to contact equifax who will not acknowledge I am me. the cfpa site is my only means of contacting equifax. Even though supposed inquiring company has no record of these inquiries Equifax is holding firm that there imaginary records are factual and that Im mistaken. Im getting nowere. I really dont want to get a lawyer or file in small claims court as Im terminally ill. Equifaxes identifying info about my birthdate and other identifing info is also incorrect as well as the fact they have multiple files on me for some reason. I was also part of there data breach and Equifax feels its resonable to demand I provide Drivers license, S.S. card, Birth Certificate when they have already given my info to supposed hackers. I also find it supiciouse that equifaxes version of life lock came out near the time of there breach. Awfully convienient if you ask me. How do I get resonable reply from equifax? I want to see these applications for credit and what is making them believe I have applied for XXXX cards automobiles, etc. Please show me were Ive done any of this. Also companies are telling me that they have nothing to do with these inquiries. Cant we have a conference call so everybody can verify Equifax has some how generated things out of thin air.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I was in an XXXX with XXXX, who was driving. The police and ambulance were called, and my grandmother was transported to the hospital in an ambulance, while I road to the hospital in the car of a relative who arrived on the scene. However, for the last 4 years I have had an item on my credit report from XXXX XXXX XXXX for {$500.00} due to me being billed for riding in the ambulance with my grandmother. I never rode in the ambulance, which is what the {$500.00} bill is for. I most recently contacted the original creditor ( XXXX XXXX XXXX XXXX ) in XX/XX/XXXX, and was told to contact my grandmother 's auto-insurance company to pay the bill, despite me not receiving the services for which the bill is for. It would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. Furthermore, there are 0 sections in the FCRA that prohibit deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not authorized credit inquiries from the following dates. XXXX XXXX XXXX, 2021. Fraudulent methods were used to obtain a copy of my report without my consent. I have requested the removal of the fraudulent inquiries but they continue to remain.
Product: Credit card

Privacy Notice XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Effective Date : XX/XX/year> Notice : Per the FCRA for the federally Protected Consumer : I XXXX XXXX am now Opting out of any, and all Authorization is given to report my personal information to a third party such as XXXX, XXXX, and XXXX. All three agencies should not be reporting these transactions. I the consumer have given you written, unwritten verbal, and nonverbal or by unknowingly accepting said terms by simply giving my information to you, per 15 USC 6802.

I have not been given any option to opt-out and would like it to be a permanent process under this contract agreement. Account has been paid in full as agreed.

16 CFR 433.2 NOTICE ANY HOLDER OF THISCONSUMER CREDIT CONTRACTIS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THESELLEROF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

By : XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I pulled my credit report and discovered an unfamiliar account from Spring Oak Capital LLC holding Account number XXXX. As per the FCRA and FDCPA I exercised my right to dispute the unverified account. I sent my first notice titled debt validation request XXXX on XXXX XXXX  via certified mail and return receipt. Documents attached shows notice was delivered and received by XXXX XXXX on XXXX XXXXNo response was received so I followed up with a Notice of Fault and Opportunity to Cure sent XXXX XXXX  via certified mail and return receipt, no return receipt was received but as per documents attached via USPS tracking , notice was delivered and received on XXXX XXXX.As it had now been 30 days and no validation of debt was received I sent a Notice of Default and Final statement via certified mail and return receipt on XXXX XXXX, as per tracking, delivery is expected XXXX XXXXEach notice mailed I attached the previous notice ( s ), just in case there was any misplacement of previous notices. All documents sent and mailing receipts are attached. Company has failed to validate debt within the 30 day period and continues to report to credit bureaus. Company has also failed to report disputed debt with credit bureaus. Company has demonstrated two violations as per the FDCPA section 809b. I am asking for immediate attention regarding this matter as the unverified debt is a result of potential fraud that has caused serious harm to myself and has affected potential credit opportunities.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 at XXXX XXXX  an unauthorized transaction was placed on my account. I made a phone call to someone who posed as chime support customer service trying to receive documentation and a new bank card. The guy stated to me to download an app called XXXX XXXX where he could be able to access my screen from his computer from there he transferred XXXX XXXX to himself from my account and made it seem as though he was closing my account. I then proceeded to call the actual chime support number and they had me do a dispute and after a couple hours they then denied my dispute. I called more than 3 times and eventually spoke with a supervisor who stated that the app that was used on my phone is to commit fraud. Unfortunately i was denied my money to be returned back to me again.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion 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. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's 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 Transunion complies with federal law and provides consumers with the necessary proof of investigation. XXXX I want the CFPB to publish this. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX Date of inquiry : XXXX  XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX  Date of inquiry : XXXX XXXX   Date of inquiry : XXXXXXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX   Date of inquiry : XXXX XXXX XXXX   Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX  Account Number : XXXX
Product: Credit card

On XX/XX/23, I attended a time share presentation at world mark in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX in exchange for free gifts. During the presentation I was harassed and pressured to complete an application to get a pre approval so that they can present me with package options. This was the only way they would give me the gifts despite that It was never disclosed when I agreed to attend the presentation. 
I asked the associate that it looks like Im applying for a credit card and he said no its not. Well to my surprise after the presentation I ended up with an inquiry and XXXX Credit cards! This is fraud! I called the resort afterwards and asked, if I attend a presentation do I have to apply for a credit card and there response was no absolutely not! Which is a lie! One way or another theyre either having customers leave the presentation with a worthless time share package or credit card without your knowledge! At no point did they say I applied and was accepted for credit cards! 

The inquiry showed up on my credit report as BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Below are the two credit cards that showed up on my credit report : BARCLAYS BANK DELAWARE Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Account type : Flexible spending Account Credit limit : {$15000.00} XXXX XXXX XXXX XXXX XXXX, OH XXXX Account type : charge account Credit limit : {$9200.00} Credit card was contacted about the cards opened without my knowledge and they gave me the run around and didnt address the issue.