23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Swiss colony I told them I was paying the {$50.00} but my hours only 2 hours a day from work I could only pay {$10.00} dollars a month it went up to {$120.00} am having bad harship
Product: Checking or savings account

I received this XXXX tax form this week from valley national bank shows {$200.00} interest income. {$200.00} checking account signup bonus was added to my account on XX/XX/18, however, this {$200.00} was claw back on XX/XX/18. That means i received {$0.00} interest income from your bank on XX/XX/2018. It's not fair for me to pay income tax of this {$200.00}. I contacted the bank, but no one was seemed able to help me.
Product: Debt collection

I have disputed this account, by send dispute letters with XXXX XXXX XXXX, as well as with Capital One, and none of the listed companies has yet to respond to my dispute. 

CAPITAL ONE Account Number : XXXX Amount : XXXX I've send letters in for this account dated : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Client service has a total of XXXX Accounts that need to be removed. As of now, XXXX Accounts were removed. Wrote XXXX XXXX XXXX XXXX Letters for 3 Credit Bureaus. Filed 3rd Round CFPB complaint online. Completed Before and After Credit Repair Analysis. Uploaded XXXX letter to XXXX Send an email to mail off the letters written to credit bureaus. 

Credit Score dated XXXX XXXX : XXXX - XXXX = XXXX XXXX : XXXX - XXXX = XXXX TransUnion : XXXX - XXXX = XXXX XXXX Credit Score : XXXX Charge Off : XXXXXXXX XXXX XXXX XXXXXXXX Balance $ {$2000.00} XXXX XXXX  XXXX Balance : {$16000.00} ( Previously Deleted, popped up account ) Collection : XXXX XXXX XXXXXXXX Balance {$1900.00} XXXX XXXX XXXX : XXXX Charge Off XXXX XXXX XXXX XXXXXXXX Balance {$10000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance {$2000.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} ( Previously Deleted, popped up account ) Collection : XXXX XXXX XXXX Balance {$1900.00} TransUnion XXXX XXXX : XXXX Charge Off : XXXX XXXX XXXX Balance {$10000.00} XXXX XXXXXXXX Balance {$3600.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX : {$16000.00} ( Previously Deleted, popped up account )
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX XXXX XX/XX/year> CCS COLLECTIONS XXXX XXXX XXXX XXXX, SC XXXX Subject : Dispute Regarding Violation of 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) Dear CCS COLLECTIONS, I am writing to formally dispute a potential violation of my privacy rights under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), specifically in regard to the unauthorized sharing or disclosure of my personal financial information by your institution. I believe that my financial data has been shared or disclosed to third parties without my consent or in a manner that violates the provisions of 15 U.S.C. 6802, which mandates that financial institutions must have written privacy notices and provide consumers with the option to opt-out of such disclosures. I discovered that my personal financial information may have been shared with third parties, which I did not authorize. Lack of Notice/Opt-Out Option : I have not received any written notice regarding the disclosure of my financial information to third parties, nor was I offered an opportunity to opt out, as required by law. Violation of Consumer Rights : Based on the information above, I believe your institution has not adhered to the provisions of 15 U.S.C. 6802 regarding consumer privacy and information sharing practices. In accordance with the requirements of the Gramm-Leach-Bliley Act, I request that you : Provide a full explanation of how my financial information was shared or disclosed, including the third parties involved. Demonstrate compliance with 15 U.S.C. 6802, including the opt-out provision. Cease any further unauthorized disclosure of my financial information and provide written confirmation of corrective action. Please respond to this dispute within 30 days, as outlined under the Fair Credit Reporting Act ( FCRA ), and provide the necessary documentation to resolve this matter. If this issue is not addressed in a timely and satisfactory manner, I will consider taking further legal action. Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XXXX my account with USAA was supposed to officially close and the funds in the account mailed to me. I have called repeatedly and have gotten different answers and no resolution. The account is still open with the funds in there that I can not access to pay bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Chime and They would only give me XXXX back and {$240.00} when I prove to them that I wanted EVERY BIT of my {$1600.00} Social Security money that Was Stolen out of my Chime account during XX/XX/2021 to XX/XX/XXXX When I got out of Jail!
Product: Credit reporting or other personal consumer reports

The following accounts must be deleted as they were opened without my consent : XXXX  - ACCOUNT NUMBER XXXX - Opened XX/XX/2021 XXXX - ACCOUNT # : XXXX - Opened XX/XX/2021 XXXX - ACCOUNT # : XXXX - Opened XX/XX/2021 I have further done more investigating to understand why these accounts are reporting on my credit report and per my findings, on XX/XX/2021, my personal information was leaked due to a data breach. ( See attached documents ) In this breach, I

found that the following information was leaked, which are items needed in order to get approved or open an account fraudulently : SSN, Name, DOB, Phone number and address. These accounts were opened in the same year of the breach and reflect no payments towards the accounts which is a usual sign of fraud. I have attached the ID THEFT reports for all of them as well as the source of the date breach and what was included. That is enough evidence proving they are not mine. They were opened without my physical signature. They were opened in a state I do not reside in. They were opened with an address I do not live at. Resolution : delete these accounts because you are reporting fraudulent accounts on my credit report that are hurting my credit worthiness to be approved for lines of credit or buying a house. Reinsertion of these accounts after removal will be documented and presented to an attorney for further review for legal action to be taken as a result of negligence and deformation of character against all parties involved. 

Please comply with my request as failure to do so will result in legal action being taken.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> the XXXX account of a friend requested I send them money via XXXX  in the amount of {$320.00}. I later learned by speaking to other people familiar with the actual person associated with the account and they confirmed the account was hacked. I sent the money to several XXXX  addresses, and shortly after realized I was being scammed. I contacted XXXX  the same day, XX/XX/year> to report the transactions and try to get my money back. They responded XX/XX/year> stating they would not refund the money and could not give me any further detail due to their " privacy policy. '' I have proof of the conversations with the hacked account as well as with others confirming it was indeed hacked and acting under fraudulent pretenses. I also believe this person was impersonating my friend because they sent screenshots of his personal information taken on an XXXX XXXX but there are XXXX notifications overlayed that indicate to me this was not actually sent by taken and being used to deceive me. I offered to send all of this to XXXX  as proof of the fraud and they simply didn't respond and closed my case.
Product: Money transfer, virtual currency, or money service

Complaint Description : transfer XXXX XXXX XXXX to XXXX XXXX from XXXX XXXX I initiate a wire, after a few minutes I called customer service to review how soon it could happen. I was advised to redo the wire so the agent would cancel the wire so my money was going to be back at our bank account within 72 hours. Money had never been refunded and I every time I call a new excuse is given. Last time they said it was refunded to the same checking account. I had sent them my bank statement to prove it had not been sent back. 

Did you sign a contract? : No Amount in Dispute : XXXX Products Involved : remittance Transaction Date : XX/XX/XXXX Original Purchase Price : XXXX Complaint submitted to the Company : Yes Company Contact Name : XXXX Company Contact Phone : XXXX Date Company Contacted : XX/XX/XXXX Response From Company : No Respondent Name : Remitly , Inc . Address : XXXX XXXX XXXX., XXXX XXXX, XXXX, WA, XXXX XXXX : XXXX Phone : Account Number : Person ( s ) you dealt with at the company : online ;
Product: Debt collection

IQ DATA INTERNATIONAL IN XXXX XXXX XXXX XXXX  WY XXXX XXXX, WA XXXX XXXX is one of the agents I spoke to at iq data. I  was informed that I would owe a certain amount of money for my debt collection, however I noticed a different amount of money was collected out of my account without my authorization.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX and XX/XX/XXXX, I submitted a complaint to the CFPB regarding inaccurate information on my credit report created by XXXX, Equifax, and XXXX regarding the following debt collection accounts which were being inaccurately and innocuously reported : 1 ) XXXX XXXX XXXX XXXX {$4400.00} 2 ) XXXX XXXX XXXX XXXX XXXX XXXX {$590.00} 3 ) XXXX XXXX XXXX XXXX XXXX {$320.00} To date, Equifax, XXXX XXXX and XXXX continue to recklessly and negligently violate my federally protected rights by refusing to remove and delete these accounts from my credit report AND credit file. Pursuant to 15 USC 1692c, which states that " if a clearly consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease ALL communication ''. Ceasing ALL COMMUNICATION includes communication with any 3rd parties of which XXXX, Equifax, and XXXX are 3rd parties. Also reporting to the credit reporting agencies is communication. Thus, continuing to report these debt collection accounts are a violation of my federally protected rights.
Product: Money transfer, virtual currency, or money service

On  XXXX   XXXX ,    2017 I m ade an online wire transfer from  Citibank N.A.  to  XXXX   XXXX   XXXX   XXXX ,  XXXX  for the amount of {$3000.00} the transfer fee was {$35.00} in total {$3000.00} dollars were debited from my account.      The exchange rate : US  {$1.00} =  XXXX   XXXX  Transfer Amount :  XXXX   XXXX  Other fees :  XXXX   XXXX  Total to Recipient :  XXXX   XXXX  Date of Availability of Funds :  XX/XX/2017    Confirmation Number :  XXXX  My wife went to collect the funds, but instead of receiving the transferred amount she received  XXXX  pesos less. I would like to find out what were the fees and taxes charged, if any.
Product: Credit reporting or other personal consumer reports

I'm a survivor of data fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my FICO ratings revealing appropriately, so any assist you with canning give me with refreshing this data at the earliest opportunity would be incredibly valuable. We are hoping to purchase a house. If it's not too much trouble, help
Product: Bank account or service

On XXXX XXXX, XXXX I received a Credit Alert from XXXX advising me that Bank of America filed a 120 day or more days late on my credit report. I do not have an outstanding loan with Bank of America and the loan I had was paid off to a XXXX balance on XXXX XXXX, XXXX. I do not owe Bank America anything and I do not understand why they are or feel they can report any information to credit agencies on a closed account.
Product: Credit card

Using the credit card Capital one we have been a loyal customer for many years I had booked a flight on XXXX XXXX from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX  for XXXX adults on XX/XX/year> amount {$480.00} then canceled on XX/XX/year> due to my elderly father showing symptoms of XXXX XXXX I first contacted XXXXXXXX XXXX  on the XX/XX/year> by phone to cancel, at this time I was told by XXXX XXXX  I waited to long and they couldn't refund my transaction, they told to to call my credit card company Capital one, so I made a phone call to Capital one the same day XX/XX/year> I called minutes later to claim this dispute, I was told not to worry this happens all the time, the airlines will refund Your money, later that week I received a letter explaining this dispute is temporary resolved. CASE NUMBER XXXX So at this time I assumed this dispute was resolved. later that week I received a bill with the full amount still owed to the credit card company, so I called Capital one and they told me to send documents to XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX so I sent photos of the chat on line with a XXXX XXXX  employer showing I had the cancellation weeks before the flight, and days later I was told we still owe the money. my name is XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- | 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company transunion. Please delete the following accounts. XXXX XXXX XXXX XX/XX/year> {$280.00} XXXX XXXX XX/XX/year> {$2000.00} XXXX XX/XX/year> {$1200.00}.
Product: Debt collection

I had a credit card with XXXX  which is under Plaza Services LLC. The account was charged off in XXXX and was assigned to XXXX XXXX. I was offered a settlement in exchange for a pay for deletion. After resolving the settlement of {$830.00} on XX/XX/XXXX, I waited a few months to check my credit report for the deletion only to see the account balance was updated to {$0.00}. Til date, it has not been deleted from my report ( see attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded my truck to a dealership that was to pay it off as part of the deal. Almost 3 months later I get a message from Truist collections saying I owed one last payment. I contacted the dealership & they provided a paid in full letter and advised the vehicle had already been sold. I naturally requested Truist collections department to validate the debt so I could pay it. They refused to validate the debt according to law, they did although holler, threaten and attempt to bully me in submission repeatedly & then placed derogatory marks on my credit report when I stood my ground requesting validation of the debt. This derogatory action caused one of my credit cards to be reduce XX/XX/XXXX dollars, I was denied new credit and my score dropped almost 60 points. This was escalated to their resolutions dpt and they still refused to validate the debt as required by law and made false claims that they were not a collection agency and did not have to abide by the laws governing collections. I paid a final payment just to stop this attack against my family and now, even though the account is closed they refuse to provide a paid in full letter. The resolutions agent that it was escalated to refuses to resolve the matter and told me I have to get the letter from collections, while collections told me the account is closed and there is nothing, they can do for me. I have had 2 vehicle loans with this company in perfect standing, never a late payment on either one. Their actions are a violation of law, and they intentionally damaged my credit while refusing to validate the debt or provide a paid in full letter once they damaged my credit and bullied me into payment.
Product: Mortgage

XXXX  XXXX receives automatic monthly payments from XXXX for a mortgage. Ditech changed payment amount without proper notice. After receiving a monthly payment of {$3700.00} on XX/XX/2018, they still assessed a late payment of {$61.00} despite of the due date being XX/XX/2018. 

Ditech received and cashed the payment 2 days early and assessed a late fee. 

Ditech is to adjust the bill and remove the late fee.
Product: Credit reporting, credit repair services, 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 Account number:XXXX  Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX  Account number:XXXX  Account name : XXXX XXXX Account number:XXXX  Account name : XXXX  XXXX Account number:XXXX Account name : XXXX Account number:XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Prepaid card

I received a {$50.00} prepaid card from XXXX XXXX, issued by Citibank in XXXX 2015. I forgot that i had the card and it expired in 6 months in XXXX 2015Tried calling Citibank to reissue me a new card as the funds were not used ( verified with the agent ) and they refused to issue me a replacement cardNow Citibank has {$50.00} more in their account from mePrepaid cards should have a longer expiration dateAppreciate if i can get a replacement card issued. 

thanks
Product: Payday loan, title loan, personal loan, or advance loan

I purchased a cell phone from Tempoe LLC. They extended the loan without sending me the disclosures required. They refused to work with me and put me into collections when I struggled to pay the steep fee they charged.
Product: Credit card or prepaid card

My Chase Preferred Visa credit card bill for XX/XX/XXXX was {$210.00}. I paid {$210.00} on time. I was assessed an interest charge of {$9.00} on my XX/XX/XXXX bill. On my bill of {$1000.00}, I paid {$1000.00} on time. My XX/XX/XXXX bill of {$120.00} included an interest charge of {$9.00}. 
I have been charged {$18.00} for two months of interest on {$0.00}.

Chase waived the charges but could not tell me how they came up with these charges.
Product: Credit reporting

This dispute is in regards to Experian 's reporting of a late payment on my account from XXXX XXXX. XXXX Bank acknowledges now that my account was never late due to an address change, following which they failed to send the statement to me. I have disputed this late payment with all XXXX credit bureaus already, XXXX of which have removed the item from my report. However, this incorrect information has not been removed by Experian, and I have not been able to contact anyone via the phone for assistance. The information has been corrected already with XXXX and XXXX and I expect the negative information to be removed from my credit report immediately.
Product: Checking or savings account

filed a recent complaint against chime financial inc about a dispute I filed with chime. I purchased XXXX love chairs vintage from a merchant on XXXX market on XX/XX/2022 I paid the buyer and was supposed to received my items no later than XX/XX/XXXX when I went to communicate with the merchant they blocked me and the page had been removed. I had to wait for the purchase to settle. I went to chime to file a dispute and was immediately denied within XXXX hours. I then asked for my claims to be rebuttal again chime denied them again chime told me to include information that I may have not submitted to have my claim investigated I then uploaded receipts that shows I paid and a contact between the merchant and myself both signed and dated that states if they buyer doesnt receive the items by XX/XX/2022 that a FULL refund would be given to me. I tried requesting a refund from the merchant and it was denied. I then went back to chime and asked for proof of what they used to investigate my claim and why it was denied so quickly. To my surprise chime never used the receipt or the contact that I uploaded over 5 times for the investigation. Chime again denied my claim and has yet to respond back to me about why my claim is not being properly investigated but instantly denied. I just want a refund I didnt received the items I paid for and it isnt right that chime allows its customers to get scammed and they dont even properly investigate the disputes. Chime doesnt care about its customers and Im so feed up with this issue. Its not right that someone can scam you and block you and chime sides with them even after sending proof. Bellow I attached the documents I sent to chime and what chime actually used in the investigation. Chime DID NOT DO ACTUAL INVESTIGATION on my claim they just denied my claim without reviewing it. As I explained and sent to chime the merchant denied my refund and block me on every site where I can not reach them.
Product: Credit reporting or other personal consumer reports

I am filing this claim in objection becuse I have been a victim of identity theft due to a breach in XXXX 's database, which has comprmised my personl identifible information. Due to this action, there have been many fictitious actts opened in my name which hav damaged my credit profile. I have also filed an Identity Theft Report with the FTC for proof of this crime. 

Therefore, under the authority of **15 U.S.C . 1681c-2 ( a ) **, I am requestin removal from my credit file any materials submitted as a result of identity theft. I am writing to formally request that you delet this fraudulent information within the **4-day timeframe** provided by federal law to u for such requests.
Product: Prepaid card

I 'm having a lot of issues with rush card prepaid card because I been with rush card for a year and some months and they been locking my card so I ca n't use it or withdraw off my money I get Social security and I have my direct deposit on my rush card every month and phone company been going on my account and taking money off my card without my permission and I will call rush card costumer service and they will hang up on me and rush card will have me on the phone on hold for hours at a time and they will never pick up the phone when they do they will argue with me saying it 's my fault and I allow the phone companies to take money off my card and it 's not true when I check my account balance i know some money been taking out of my account and rush card will tell me they put the money back on there and they never put the money back on my card and I 'm sick and tried of it something needs to be done about it asap it 's a constant thing with rush card.
Product: Credit reporting or other personal consumer reports

I am reaching out as a victim of a data breach and identity theft. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following unauthorized accounts and inquiries from my credit report : Fraudulent Accounts : XXXX. XXXXXXXX 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 XXXXXX/XX/XXXX