23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts and inquiries are in violation not reporting 100 % accurate.
Product: Checking or savings account

On Monday, XX/XX/2022 my bank account with chime bank was hacked through my email, one of chime banks employees updated the phone number on my account without my permission, or verification.. the email was sent from my email on file but the employee asked the hacker to send verification which they couldnt but yet the employee still went ahead and updated the information on my account and I became locked out of my own account due to them updating this information. The hacker was able to change my email and number on file and attempt to steal my money, Ive been emailing chime trying to get my account back since the XXXX and it is now the XXXX, they stated they closed my account on the XXXX, but now wont respond to my emails or update me on any information involving my money i had in my account, I honestly just want to know what is going to happen with the money i had in that account and when will i get it but I can not get a response from this bank, but they were quick to respond to a hacker, ive sent photos of my id, and pictures of me holding it with the days date MULTIPLE TIMES and even provided my last 4 of my social and still cant seem to get through to anyone, i am tired and this companys needs to be shut down and i want my money.
Product: Credit card or prepaid card

I received my first bill from Chase in XX/XX/XXXX and I didn't recognize the charges. I called them and filed a dispute. I went through the process of disputing the charges and was denied. I explained that I had not even opened this card myself and that I was going through a divorce and I believed my ex opened the card and made the purchase. I learned a few weeks later that my ex opened 5 credit cards under my name. I had to call each credit card company and cancel them and filed a dispute. ONLY CHASE gave me a hard time. Every other credit card company filed a fraud case and cancelled the cared. However, CHASE kept sending me a bill plus late charges. For each month for an entire year and a half, I called Chase to dispute the bill and would go through the same process of filing the dispute. Each month when I called, the customer service rep would be very apologetic and assured me that the dispute would be respected and that this case would be closed. But, I continued to receive a new bill with new late charges and no explanation of what the initial bill was for. The initial bill was {$85.00}. Each month, the bill accumulated late charges -- and now today the bill exceeds {$400.00}. I kept calling each month asking Chase to break down the bill for me and tell me what the initial purchase was and how it got to this amount. I kept getting told that a manager would have to call me because even the customer service representative couldn't figure out the bill. Today is XX/XX/XXXX and I have yet to receive a call or explanation -- it's been over a year and a half. I am not responsible for the initial purchase nor this massive bill that has accumulated.
Product: Mortgage

Nationstar Mortgage has not applied my payments in a timely manner. My Nationstar mortgage statements do not appear to be correct, they do not correctly reflect my unapplied funds balance. Nationstar still continues to charge me late fees with my account being current. Additionally I have emailed Nationstar requesting account information and a detailed transaction history multiple times, to no avail! Nationstar has also illegally applied late payment charges in excess of the 4 % allowed by law and my contract.
Product: Money transfer, virtual currency, or money service

I initiated a Funds transfer of {$2500.00} from XXXX XXXX on XXXX XXXX to CapitalOne. This transfer was initiated through CapitalOne mobile application. On XXXX XXXX at XXXX XXXX I received a notification from CapitalOne as confirmation via email that my transfer had been initiated and funds would be delivered by XXXX XXXX, XXXX. After 2 phone calls escalating the issue I was told funds would not be available until XXXX XXXX. This is only the most recent example of delayed transfers. This is a recurring problem.
Product: Credit reporting or other personal consumer reports

I had to file bankruptcy in 2016. Since that time I have never missed a payment, my debt to income is good, everything is squared away. My score DROPPED XXXX points with the removal of the bankruptcy. Also its complete GARBAGE that my score isnt over XXXX. I have LITERALLY kept everything in good standing for SEVEN YEARS! What does it take to get a score increase from you people???? Divine INTERVENTION! Your system ruins peoples lives and treat us all like we are just a number. I feel like Ive been punished for doing well. You people are XXXX
Product: Credit reporting or other personal consumer reports

Several weeks ago I requested a copy of my credit report after being notified by the IRS that I was the victim of identity theft. Upon inspecting my credit report, I discovered 3 items on the report that I did not recognize. I wrote a letter to Experian notifying them that I was disputing the accuracy of the items, as well as requesting that they place a freeze on my credit report. I included a copy of the applicable police report and provided a copy of my driver license to establish my identity. On XX/XX/2024 I received a letter from Experian. The font is so small that a person with average eye sight would have great difficulty reading it ( an entire 2 paragraphs only take up a few lines on the page ), much less an XXXX individual.This makes it very difficult to read the letter to determine what actions are needed. Upon receiving assistance in reading the letter I learned that Experian had decided that the letter had not been written by me and they were therefore declining to take any action on it. This is despite the fact that I included a copy of my police report, as well as my driver license, and even signed the dispute letter. Experian is attempting to flaunt the law by : 1 ) arbitrarily deciding that disputes are not being filed by those whose names are on the credit report, and ; 2 ) providing notices in a font that is well below that which could reasonably be read, again, in an attempt to avoid being required to perform actions they are required to do under state and federal law.
Product: Money transfer, virtual currency, or money service

I met a guy on XXXX and he told me to invest XXXX and made good money. He taught me how to do XXXX. After one month he helped me to withdraw and the taxable income {$42000.00}. Later I got another error with incorrect account number cause it frozen and they asked to pay {$32000.00} to unfreeze. Additionally its not stopped. They said now they have to transfer to third party to do withdrawal with XXXX more. I called the mufg and found out it not doing XXXX invest. I called bank but they dont have any update
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquiry from XXXX XXXX, 2018 + Bank not mine XXXX not XXXX XXXX never late chase inqires not mine XXXX and transunion have ruin my credit i 've made every payment XXXX XXXX  reporting wrong amount with only owe them XXXX
Product: Student loan

I initially made a call to Nelnet requesting a refund on XX/XX/XXXX, and was told I would receive an update within a weeks, and if not to call back for a follow up. I called again XXXX and they mentioned that it was still processing, and would receive an update shortly. I called once more XX/XX/XXXX and XXXX for an update and was given even more unsure answers after and they were not able to send an email for confirmation. The dates given during the call were random, so I'm not super sure if it really went into processing. 

I have seen multiple people who have requested a refund way after I have receive their refund and have their balances reinstated, so I'm just concerned about what the status of mine is, since there have been no follow up contact on their side with updates. It's just me calling every other week to get a standard cookie cutter answer, so I am a bit frustrated although I know they too are swamped with calls. ( And of course, I want my balance reinstated and my check refunds mailed )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act, this creditor has violated my rights. Under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 ( a ) section 2 it also states consumer reporting agency can not furnish an account without my written instructions. Under15 usc 1666 b a creditor a creditor may not treat a payment on a credit card account under an open consumer account as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently looked over my credit file and noticed theres negative information reported by XXXX XXXX XXXX XXXX XXXX file # XXXX, XXXX, XXXX. This is kept under my Social Security Number in error. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with the courts and provide me with copies of any documentation associated with my signature In the absence of any such documentation associated with this account, bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my social security number. 
Please note that you have 30 days to complete this investigation as per the FCRA Section 611ca ) ( 1 ) ( A ) and I am keeping careful record of your actions, including your METHOD OF VERFICATION. I do not consent to XXXX or any means of automated verification. 
Failure to respond within 30 days of receipt of this certified mail may result in a small claims action against you in a venue close to my location, and you will be cited to represent yourself there {$1000.00} per violation will be asked for 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of FCRA This is my second letter asking how you  verify. I have enclosed a letter from my Bankruptcy court saying they dont verify by phone or mail they only method of verifying is if you come in person to the court building. Please let me know the person name and phone who goes inside the court house to verify this information so I can personally contact them myself. 

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

- Contacted credit bureau concerning XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, and XX/XX/22 concerning inaccuracies in my credit reports. 
- Credit bureau responded that the information was accurate and valid, despite providing my personal documentation representative of the verification of my identity. 
- The credit bureaus failure to comply with the FCRAs insurance that exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
The FTC affirms that credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. You may, on your own, notify a credit bureau in writing that you dispute the accuracy of the information in your credit file. The credit bureau must then re-investigate and change or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report under inquires shows Speedy cash/curo and I don't even have a account with y'all guys but it shows on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my Equifax credit report on XXXX XXXX and noticed some things are incomplete and not accurate. 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 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list below has Below has violated my Federal Protected consumer rights To privacy and confidentiality under 15 USC 1681 rights. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX 15.U.S.C 1681 section states i have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : states. Its also states consumer reporting agencies can not furnish account without my written instructions. 15 U.S.C 1681c [ a } [ 5 } Second states no consumer report agency may make any consumer reporting containing any of the following items of information any other adverse items of important. Any other items 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 a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate
Product: Mortgage

I want to express my frustration with working with OCWEN on a Loan Modification to  save my house on due to my hardship situation. Not only have they made the situation difficult for me, I feel like they have not cooperated in helping assisting me in keeping my house, the house that I have work so hard to keep. It all started in XXXX of XXXX with a simple request of a Loan Modification. I was facing a small Hardship that caused me to fall behind on my payments for the house. My household income was decrease for a bit due to the fact that the commission I was receiving was shorter that what it previously used to be at. I could not pay the month of XXXX on time and next thing I knew I felt behind on my mortgage. I did not mean to fall behind on my payments, I am very responsible woman, and try my best to satisfy the obligations of my monthly bills. I requested a Loan Modification back in XXXX and was Denied on  XXXX of XXXX just with the simple fact that the investor did not want to participate in the Loan Modification. They kept sending me letters to help me out with a Loan Modification to save my house, they kept sending letters that the file will be reviewed for a Loan Modification. I send my loan modification package to be reviewed by them, they open a template, have the file be reviewed by the underwriter, and then deny my file for a loan modification because the investor does not want to participate on the Loan Modification. I don't understand why would they not want to participate in the Loan modification. I want to do right by them and get an approval and start making payments on the Loan I have under my name. Then they managed to scared me even more by sending me a letter that a Foreclosure proceedings was going to be initiated due to the fact Im not paying the mortgage, its not my fault im not paying the mortgage, its your fault, because once I saw I was in a hardship, I requested help, you started to help me, and then turn around and said no. Its not fair for me as a consumer. I want to save my house, I have the money to pay my monthly payment. They send over another letter that they can help me, and next thing you know, I provided the documentation to have the file be reviewed for a loan modification, they open a template, have the file be review, and then I get a denial for the same reason. I don't think this is fair for me.I need the help, you start to offer it and next thing you know deny my help. I want to do what is right for both us as a consumer and you as a bank. I know I qualify for a loan modification, I know I can save my house, I know I can eliminate the foreclosure, but I need your help, its just not fair for me that I work so hard with you, comply with everything that you needed, and next thing you know, you just want to deny my case and proceed with a Foreclosure to try to take over my house. Its just not fair at all.
Product: Credit card or prepaid card

American Express received a remittance signed to discharge the alleged debt and they never responded with a debt validation letter with a signature or a true bill of indictment for the alleged bill. This account has been deemed usurious by Florida law below 687.02Usurious contracts defined. 
( 1 ) All contracts for the payment of interest upon any loan, advance of money, line of credit, or forbearance to enforce the collection of any debt, or upon any obligation whatever, at a higher rate of interest than the equivalent of 18 percent per annum simple interest are hereby declared usurious. However, if such loan, advance of money, line of credit, forbearance to enforce the collection of a debt, or obligation exceeds {$500000.00} in amount or value, then no contract to pay interest thereon is usurious unless the rate of interest exceeds the rate prescribed in s. 687.071.

( 2 ) As amended by chapter 79-592, Laws of Florida, chapter 79-274, Laws of Florida, which amended subsection ( 1 ) : ( a ) Shall apply only to loans, advances of credit, or lines of credit made on or subsequent to XX/XX/1979, and to loans, advances of credit, or lines of credit made prior to that date if the lender has the legal right to require full payment or to adjust or modify the interest rate, by renewal, assumption, reaffirmation, contract, or otherwise ; and ( b ) Shall not be construed as diminishing the force and effect of any laws applying to loans, advances of credit, or lines of credit, other than to those mentioned in paragraph ( a ), completed prior to XX/XX/1979.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this to try to get it corrected and nothing was ever done. There is an account XXXX XXXX XXXX showing I owe a balance of XXXX which is not right. Insurance paid off this loan. Please help assist me to get this removed as it is inaccurate
Product: Student loan

I have been making payments on my private student loans since XX/XX/2012. I believe the first 2 years were going to be interest-only payments. However, I was doing research into my payment history today and found that ever since then ( approximately 5 years ), my payments are inconsistently applied to interest and principal. For example, if my payments are made on time, {$0.00} of my payment is applied to the principal and all of the payment goes toward interest. Many payments are showing that {$0.00} or some other small fraction of my monthly payment has actually been going to pay off my loan. Because of this, it ends up that on one of my loans, I have only paid {$550.00} in actual loan debt since my payments of about $ XXXX/mo on that loan began XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw a collection from XXXX XXXX XXXX drop onto my credit in XXXX, XXXX for a XXXX XXXX Debt that was from XXXX. It says card opened XXXX. The information is incorrect, I disputed with Transunion through XXXX XXXX and it closed today saying the information IS correct. It is not. I have the first default e-mail from XXXX saying it was 2 months past due and should be falling off my report this year, 7 yeas later.
Product: Credit card

Subject : Request for Assistance : Activation of Tap-to-Pay Feature on Alliant Credit Union Credit Card I am writing to bring to your attention a concern I have regarding the tap-to-pay feature on Alliant Credit Union 's credit card. 

As a valued client of Alliant Credit Union, I have noticed that while the credit card is equipped with chip technology for tap-to-pay functionality, this feature remains inactive. Given the growing popularity and convenience of contactless payment methods, I am surprised by Alliant 's decision to not enable this feature. 

In today 's fast-paced world, contactless payment options have become increasingly important, offering a convenient and hygienic alternative to traditional payment methods. With the tap-to-pay functionality, transactions can be completed quickly and securely, benefiting both customers and merchants alike. 

I kindly request your assistance in urging Alliant Credit Union to reconsider their stance and activate the tap-to-pay feature on their credit cards. Doing so would not only enhance the overall user experience for their clients but also align with the industry 's shift towards contactless payment solutions. 

Thank you for your attention to this matter. I appreciate any assistance you can provide in addressing this concern.