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

Since early 2024, I have disputed the account status for a Chime credit builder account. As of today, the account has been reported by Chime Bank as open with a balance of {$25.00} despite me closing it several months ago. The account showing a balance is adding to my debt to income, which has negative impacted my credit. This negative impact could have contributed to declines for new credit trade lines. I have disputed the account with all three credit reporting agencies, as well as Chime and it still remains. I am requesting that the account reflects the up to date account status and information. The credit builder account should show as paid as agreed and closed with a XXXX balance. Businesses that fail to maintain fair and accurate credit reports are subject to heavy fines and penalties. 

Civil Liability for Willful Non-Compliance Provisions and penalties for willful non-compliance are provided under section 616. [ 15 U.S.C. 1681n ] of the FCRA. The section is further divided into subsections that separately discuss civil liabilities for non-compliance with the customer and with the consumer reporting agency. Civil penalties for non-compliance with the provisions of the FCRA are as below. 

In General Any person who willfully fails to comply with any requirement specified under this law concerning a consumer is accountable to that consumer for a sum comprising : A - The actual damages suffered by the consumer due to the failure, or damages ranging from not less than {$100.00} to not more than {$1000.00} Chime Bank and the credit furnishers supply this information to the credit bureaus are in violation of the FCRA, despite my attempts to correct it, it hasnt been resolved.
Product: Credit card

As the XXXX, I applied for the AMEX Platinum card with an offer of XXXX and another XXXX if I spent $ XXXX on the card in first 90 days. After the 90 days, AMEX only deposited XXXX miles in my account. After contacting them and having the letter offer and offer code, they said " we do n't have any record of that and ca n't help. '' This is misleading and wrong -- we intended to use those miles to help our small business grow. Open to suggestions.
Product: Debt collection

on XX/XX/ I went to XXXX XXXX XXXX  ( XXXX ) XXXX to do a XXXX XXXX of the XXXX, I was told my copay was {$48.00} and I did pay it. Couple of months later they send me a bill that I owe them {$180.00}. A collection Company has contacted me about the Debt, creditor Bureau Associates and they have my account number as XXXX. I did dispute the debt saying that they should it let me know the whole balance Due at the time of the test to see if I agree to proceed and they didn't. Collection company send me as a verification the bill charges, call them today and asked them for a proof that I did agree with those charges to proceed with the test as it should be, and they told me that I have to call XXXX XXXX, which I did call before and disputed with them and never send me anything instead they send my account to this collection agency.
Product: Credit card or prepaid card

Platinum MasterCard Account Ending in XXXX On XX/XX/XXXX I 've noticed for the first time unauthorized transactions on my account. Transactions from XX/XX/XXXX til XX/XX/XXXX from the merchant of XXXX were placed without my knowledge or consent. And from XX/XX/XXXX til today claim is still been investigated without any final decision. It has passed the 90th day of investigation process and also 2 statements after reported. I 've received only credit for unauthorized charges from months XX/XX/XXXX til XX/XX/XXXX. And i 've called 3 times to fraud department to check status. The information ive received over the phone is fraud department still investigating claim.And ill be hearing a resolution soon. And continue to received documents in the mail with also informing me working on claim .. This missing transactions that i have not received any credit is from all XXXX transactions from XX/XX/XXXX til XXXX .Also My account was at credit balance for a total of 2 billing statements after results of the transactions being reversed of the unauthorized transactions .Then Capital one sent me a check for the credit available in my account without any request.. then the fallowing statement capital one charges me for 1 transaction merchant had credit me already for and capital one had credit me for.
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX Asking for assistance : Reporting Corruption I XXXX XXXX XXXX started on date XXXX XX/XX/2016 to make a loan from Capital Loan. 

I paid fees upfront, my agent at Capital loan was XXXX XXXX. Everytime the money for the loan was supposed to be paid to me their computer system said I have to pay a deposit into the loan amount which will be paid back to me as credit. Then my application will be approved. The computer system accepts payments to be credited on top of the loan amount. They told me the system accepts and the only to progress is on the system on computer. By now I have paid +- XXXX XXXX to Capital loan. I then decided to cancel my loan. I had to pay a fee for canceling to get my money back. To get my money back I was told to pay fees numerous times now in total XXXX. I have a email what the lawyers of Capital loans send me called a irrevocable guarantee letter stating to credit my account at XXXX after payment. I did the payment but still they say I have to pay more. I have no more money I made a loan to pay this thinking I'm getting my money back. 

I am under debt review because of this incident and I don't know who can help me. 

I have alot of messages and emails and deposit slips for all transactions. I have no resources to get my money back. They always told me that this one payment will be the last. 

Please assist me. Please guide me in the right direction as I am under debt review and have no more funds. I currently work for XXXX XXXX work from XXXX to XXXX night shift XXXX XXXX and my cell nr is XXXX. 

Loan company details are as follows : Loan officer XXXX XXXX XXXX XXXX Kind Regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX - XXXX - XX/XX/year> XXXX  XXXX XXXX - XXXX - XX/XX/year> XXXX XXXX  - XXXX - XX/XX/year> Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Mortgage

On XX/XX/XXXX, I sent Specialized Loan Servicing LLC a qualified written request ( in the attached file ) because earlier that month I received a late payment notice although I sent in the payment as usual. The QWR was sent using certified mail with return receipt to the address specified on the loan statement ( in the attached file ). The return receipt was signed dated XX/XX/XXXX. I have never received any acknowledgement or response for my QWR. They are in clear violation of 12 U.S.C. 2650 and subject to fine that is due to me. Worse still, they started missing sending me monthly statements. 

I started to send them monthly payments using the payment service of a local XXXX store for fear of the repeat of XXXX payment. Payments through XXXX give me the record of the payments with the date on it. 

In an effort to clear up the issues of missing statements and make sure that all the payments and charges are accurate, I sent another qualified written request via certified mail to Specialized Loan Servicing LLC on XX/XX/XXXX ( in the attached file ). The return receipt was signed on XX/XX/XXXX. Again it fell on deaf ear. They completely ignored my request. I have not so much as received a letter of acknowledgment. 

I started to send in payment using certified mail since XX/XX/XXXX using copies of my old payment stub ( in the attached file ). On the copies of old payment stub included with the payments, I have asked them to send me monthly statement and send it to the address that has been in use. Again, I have received no statements. 

Specialized Loan Servicing LLC seems to be an especially bad example of a loan servicer. I pay the loan and did not get the service I deserve and not to mention required by law. I do not even know where my money went at this point.
Product: Mortgage

Please Note Im filing this complaint Only to attached some documents that I have just found This should be directed to XXXX in the Executive Offices of Wells Fargo. 
This is an addition to previously filed complaints. This information is in reference to Previous Complaints filed. 
XXXX XXXX XXXX Unbelievable, but I have found some documents that should help explain, and show exactly the process, and all I went through with Wells Fargo. It will show everything I had done and went through, and the people that were involved in this nightmare which ended up leaving Me and my family homeless, Which destroyed my marriage of 25 years, Destroyed my kids lives, ripped us all apart, and It should have never happened. 

So you will find 6 attachments, I would start by reading the document 1 I filled out an application for the Loan Re-modification - XXXX. 

2nd Letter to XXXX XXXX attorney 3rd Response to XXXX XX/XX/2015 The rest are just detailed information, Like * Mortgage Payments * Also 1 attachment XXXX, This is a copy of my Bank Statement during that time frame this showing I had plenty of money, and Should have Never lost my house, Nor my Life. Never should have had to go through all that Wells Fargo put me through and did to steal my home. 


* Last attachment.. Documented Case_Identical to the process I had to go through PLEASE MAKE SURE YOU READ THIS, EVERY WORD, EVERY PROCESS, EVERYTHING STATED IN THIS AND IM TELLING YOU ITS A MIRROR IMAGE OF WHAT I WENT THROUGH. 

Documented Court Case_Identical to the process I had to go through, I mean Identical and this guy was awarded his house back, Which I would love to have my house, but that is going to be impossible, I dont know, Maybe not. He was also awarded {$450000.00} for punitive damages.
Product: Debt collection

This company is attempting to collect a debt that is not mine. I also received no notification, either by phone or by mail, informing me of this supposed debt. I believe that they are violating my rights per FCRA by not taking these steps to honor my right to contest this collection.
Product: Checking or savings account

OPENED CHECKING ACCOUNT WITH CITI BANK ON XX/XX/XXXX AND WAS OFFERED XXXX XXXX XXXX  MILES AS BONUS FOR OPENING ACCOUNT BETWEEN XX/XX/XXXX-XX/XX/XXXX, MAKING {$370.00} IN DEBIT CARD TRANSACTIONS AND SETTING UP MOBILE BANKING. THESE REQUIREMENTS WERE COMPLETED ON XX/XX/XXXX. TERMS STATE WITHIN 90 DAYS OF COMPLETION BONUS WILL BE CREDITED. 123 DAYS LATER AND NO ONE AT CITI OR XXXX XXXX  CAN FIND THE MILES. MY HUSBAND COMPLETED THE SAME ACCOUNT AND BONUS AND RECEIVED HIS MILES. CALLED CITI 3 TIMES NOW AND NO ONE CAN EVEN FIND THE PROMO CODE OR GIVE ANSWERS. USED THE LINK DIRECTLY FROM THEIR WEBSITE TO OPEN THE ACCOUNT. MY XXXX XXXX NUMBER IS XXXX IF FOR SOME REASON THEY CANT FIND IT. IN THE MIDST OF THIS THEY ARE CHARGING {$25.00} A MONTH TO MAINTAIN AN ACCOUNT IM NOT USING BECAUSE THEY CANT FIGURE OUT WHAT IS GOING ON. New complaint based on the below response XX/XX/XXXX Your response below is not adequate as I did login to your mobile app and link my checking account the same day my husband did. I have subsequently deleted the app as you can not figure out what is going on with my account and I will not use it until you do, I have reloaded the app now. 

Company 's Response In your complaint, you cited that you have not received the  XXXX XXXX XXXX offered under a new account promotion, XXXX, after meeting the terms and conditions described in the offer. Ms. XXXX, our goal is to ensure that all of our clients are provided with the highest level of service and we regret you had cause for dissatisfaction under any circumstance. In my review, I found that the terms and conditions of the promotion have not been met. As indicated on the enclosed terms and conditions of the promotion, the second step of the promotion was to download the Citi Mobile App from your app store and log in to your new Eligible Checking account. Our records indicate that you did not log into the mobile app ; therefore, we respectfully deny your request to be credited for the XXXX XXXX XXXX. I have refunded the monthly services fees assessed to your account and it will reflect as a credit on your next account statement with todays date.
Product: Vehicle loan or lease

I am about to pay off a loan with Wells Fargo Dealer Services. I am down to the final payment. Wells Fargo has twice increased the amount of the monthly payments for insurance that I not only did not need but did not ask for. They repossessed the car three times and every time I was able to find the towing company that took the car and pay the fines to get the car back. I have also not missed a payment in over 2 years, even while paying additional insurance. They double dipped on the insurance and I am not sure it was even legal to begin with. I just want this company to remove the late payments from my credit history. This never would have happened if they just left payment amount alone.
Product: Checking or savings account

I deposited my settlement check at chase bank in person & they instructed me it will be available on XX/XX/year> but on XX/XX/year> I get all these fraud alerts to contact Chase my account is temporary locked I contacted them they told that they couldnt verify the check & that they would send me a cashiers check in 7-10 business days also my account would be closed indefinitely I had my attorneys contact the property management company who issued me the check they stated no one from Chase had reached out to them to verify anything and provided proof that chase had already deducted the funds from their account on XX/XX/year> well XX/XX/year> I contacted chase again since I still hadnt receive anything and the property management company was able to finally verify with them they told me i would receive a cashiers chrck via XXXX next day to call them the next day to be provided a tracking number and here we are Friday XX/XX/year> and all Ive been getting is the run around lies & excuse after excuse no tracking number no funds no cashiers check and Im frustrated because Ive been getting played since XX/XX/year> now they have my name with XXXX XXXX & floating my funds around for their financial gain so I can just imagine how many other people they have done or are doing this too.
Product: Debt collection

I am filling this complaint regarding inaccurate information on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 at XXXX XXXX  ET, I have called Experian dispute center after I found some address listed to a credit report that does not belong to me, I've spoken to XXXX from the dispute DPT after she verifies my information, I told her about the wrong personal information has been listed to my credit report ( the address that I never lived in ) her answer was " sir you have to contact the creditors who reported that info to us " I don't know even who reported this info, to begin with, and she refused to take my complaint about the incorrect personal information. 
according to the Fair Credit Reporting Act, XXXX from Experian dispute DPT acted against the law please help to correct this unlawful act from Experian
Product: Money transfer, virtual currency, or money service

I used my checking account with Wells Fargo to make two transactions ( {$300.00} per transaction ) via XXXX on XX/XX/2018. I was buying golf tickets on XXXX and seller wanted for me to transfer money through XXXX. Tickets were fake and Wells Fargo has refused to do anything about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both Equifax and XXXX  are reporting a bankruptcy on my credit report. I have contacted them numerous times requesting that they remove this derogatory information on my credit to no avail. 

This is correct that was not pulled correct and neither bureaus want to correct their mistake and have it resolved. This happened over 10 years in Illinois and does not need to be on my report. But because of the laziness of these bureaus, they do not want to do their work. The date in question was in XX/XX/2008, yet they are still not removing the derogatory from my record.
Product: Mortgage

-XXXX  XXXX XXXX : Client in forbearance with XXXX due to Covid-19 hardship. 
XXXX XXXX : Client made a mortgage payment but it was returned, & his file was sent to Loss Mitigation , which asked client to submit paperwork. 
-XXXX. XXXX : Client completed & submitted a loan modification application. 
-XXXX XXXX : Loan modification was denied, no other workout options provided, and payment of past due of about $ XXXX demanded. 
XXXX XXXX, XXXX : Client received a Notification of Assignment/Transfer letter from XXXX XXXX XXXX XXXX XXXX stating that effective XX/XX/XXXX, XXXX was going to be transferring loan to new servicer Selene Finance LP as of XX/XX/XXXX. ( Also, client found out that XXXX XXXX  no longer is investor of his loan, when he tried to escalate this situation. ) -XXXX. XXXX : Client has never received a welcome letter or a statement from his new servicer Selene Finance LP . ( The only letter he received was for him to set up his bank account for automatic payments. ) -In XXXX client also applied and got a case manager from the Virginia XXXX  XXXX XXXX XXXX XXXX ) to help him with the rest of the past due amount to pay Selene XXXX and to bring him " current '' on his mortgage. 
-On XXXX XXXX, XXXX client called with a HUD Counselor & Selene accepted a payment of {$3200.00} ( 6 mos. ) & agreed that on XXXX they would accept {$530.00} monthly payment. ( He wanted to keep his past due payments under 20 months to be able to qualify for the VA Mortgage Assistance program. ) -XXXX. XXXX Client called, & Selene refused to accept payment & stated that Status was : " FORECLOSURE ''. Client has Never been Notified & was shocked! ( He was told, when he insisted, that it went into foreclosure on XX/XX/XXXX ; but no further explanation or letter has ever been provided to client. ) -The other problem is that the client has been requesting and must have A MORTGAGE STATEMENT from XXXX indicating the Past Due amounts so that the VA Mortgage Relief Fund can help him. ( Client is unable to access his online account to print one, as his account is " RESTRICTED '' due to the " Foreclosure Status '' on his account. ) -The client has been working with a HUD Counselor and they have called Selene and to try to get a mortgage statement emailed or mailed, but the representatives at SELENE have said they were not able to. When we asked to " Escalate '' to a supervisor, we've been put on HOLD & then the call gets disconnected.

-We feel we are stuck, and must ESCALATE this situation to the CFPB for HELP and to SAVE this client 's home!
Product: Credit reporting or other personal consumer reports

The following accounts currently listed on my Equifax credit report is listed as opened accounts with a balance. The following accounts listed, has inaccurate reporting information and the accounts are all closed accounts with a balance of {$0.00} : 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 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 card

In light of discovering a fraudulent charge a year ago, I reviewed my past credit card statement and found numerous fraudulent charge, some of which were committed when someone took my credit card without my knowledge and without my permission. I tried filing the claim over the phone with Bank of America and I was told that they could n't go that far back in their system and I had to submit the claims by mail. I sent the attached letter and spreadsheet and have heard nothing since then.
Product: Consumer Loan

Cash Central of Utah XXXX Utah XXXX XXXX Gave an unknown person a loan in my name. I.D . Fraud No. number XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX claimed they were a law firm hired by Capitol One to collect on a credit card debt of around {$600.00}. Now saying I owe over {$3000.00}. He said they would contact my car loan people and repossess my car for the debt. 
He knew I had filed bankruptcy, said they talked to the judge and the debt was dismissed but they ( XXXX XXXX XXXX ) were collecting the debt and damages anyway. He said the debt was now {$3000.00} but they would settle for {$600.00}. 
I have not been served with any paperwork for any of this. He said I was trying to avoid them when he called me and knew my address.
Product: Checking or savings account

Tuesday XX/XX/2023 a charge was made on my checking account for XXXX $ to comfort inn and suites in XXXX XXXX. I was out of state during the transaction. I disputed this charge over 8 times with my bank. They are providing me no proof backing their choice in this matter. I've called them multiple times about this and even provided documents that prove I was out of state when the transaction came through.
Product: Checking or savings account

I have noticed that my bank deletes transactions to make it appear that I have more money to spend than I actually do. I have caught this on numerous occasions and would like to know why it is you guys do this??? If I wasnt constantly checking my account I would probably think I have extra money and spend it, which could possibly send me into the negative.
Product: Debt collection

On XX/XX/XXXX at XXXX my daughter and I were contacted by XXXX XXXX XXXX Reliant Capital Solutions in Ohio . XXXX XXXX claimed that we owed ad debt in the amount of {$1100.00} to XXXX State University. I asked XXXX XXXX when did his office communicate with us about this money being owed. He claimed that his office sent us a notice of validation of debt on XX/XX/XXXX. XXXX. I confirmed we did not receive it. He told me we had to make payment in full by the end of business day XX/XX/XXXX. If we didn't my daughter would be reported to the credit bureaus. I told him i would like to dispute it and XXXX XXXX told me the dispute time is over. I would not be entitled to dispute the charges., I was furious. I told him I would call him back. Later that afternoon I contacted XXXX and spoke to a Financial Aid Rep. i was informed that the account was sent to collections on XX/XX/XXXX Not on XX/XX/XXXX as XXXX XXXX had claimed. they also researched the account further and said it could be a mistake. This debt was paid in XX/XX/XXXX. The reason for the additional increase is the cost of collections. 
I contacted Reliant again that afternoon and spoke to a supervisor. The supervisor confirmed the date of XX/XX/XXXX and confirmed that he would be speaking to XXXX XXXX about the misrepresentation of the debt. He also confirmed a debt validation letter would be sent out later in the week. As of today we have not received it. As a result of my conversation with XXXX XXXX I was so flustered and angry that I was not able to return to work that afternoon.