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

Chime is the worst and their customer support is horrid. I have been a long time customer with Chime. I only had one incident where I reported a fraudulent transactions and was told the distance from the restaurant to my home is in close proximity, Chime denied my claim. Even though I had proof it wasn't me. This happened XXXX ago. Fast forward to what brought me here. Chime motto '' Banking made easy '' is false advertising. Talking to Chime customer support is like talking to a brick wall. My employer sent my payroll on check ( {$1300.00} ) to chime for direct deposit on XX/XX/23. On payday ( XXXX ) the money isn't in my chime account. I went through the app to speak with someone. This was a major headache and causing me so much Anxiety. I talked through Chime chat and spoken on the phone with several agents only to get the run around. I was told by several Chime reps that they can't see my direct deposit until it's posted. I then asked so where's my money and was told it's in processing. I then asked what stage in the process is my direct deposit? I was told by multiple Chime agents that they couldn't see the process only when it's posted. Again what is customer service for if they can't answer simple questions. Chime also said they release your money as soon as it's deposited. This is a lie and false advertising. Your direct deposit goes through a third party process before it's posted ito your account. Chime holds your money and release it when they want to. I was also told I have to wait XXXX pay cycles ( a month ) to get my money. Even though I have been with Chime for over 7 years. I will be closing this account. Please beware don't use chime is a rip off and they don't offer immediate release of your funds=false advertising.
Product: Credit card or prepaid card

I opened a platinum credit card account with American Express beginning XX/XX/XXXX. During the application process I apply for the Military Lending Act ( MLA ) in which I am continuously getting denied. I have been in XXXX XXXX XXXX  since XX/XX/XXXX with a current expiration term of service of XX/XX/XXXX. I have contacted all the government agencies in regards of this matter and in every system they look I am on XXXX XXXX. Since I opened the account with American Express I have file many disputes to solve this issue without any luck on resolving the matter. I have attached all the military orders showing proof of my status as well as statements from the credit card company.
Product: Debt collection

I contact KLS Financial Services Inc. and informed them I do not owe this debt and it was added to my credit report with out notice. They added 4 account to my XXXX  report. this needs to be removed immediately.
Product: Debt collection

LVNV Funding Collection opening a previously closed account and now listed on my credit file with the 3 Major Credit Bureaus. On XX/XX/2023, I was informed that LVNV Funding Collections should not have open and closed account.
Product: Vehicle loan or lease

The car payments were not properly reported in the paperwork. They said it was just going to be the payment of XXXX. They didnt tell me that I was paying interest by the day. The disclosures that you are supposed to receive once getting the loan/vehicle were never given or mailed. The car was not addressed to work and there were issues from the onset. I made a down payment on the loan which is a car violation. They distributed my non public information to other companies and repoed my car when they lost payments that were sent In between the 4 contracts that had to be signed. The first page of the contract also didnt explain the finance charges accurately. Which is a violation of 15 usc1602. And Oklahoma loans may not exceed 10 % all violations of the law. 15 usc 13 discrimination of price c says that one may not review commission with purchase of goods. Which is exactly what this loan is, and I was discriminated against by charging more based on my gender and age. With a list of other violations with info sent to Oklahoma consumer protection association.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number- XXXX Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 

validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting or other personal consumer reports

The following student loan accounts were disputed for reporting inaccurately 90 day late payment for XX/XX/XXXX with XXXX, Transunion and XXXX in XX/XX/XXXX. All 5 accounts were investigated, corrected and reporting pays as agreed/never late account status on these student loans. On XXXX XXXX I received credit report alerts and email from XXXX stating that " my reinvestigation request '' was complete, and that the accounts were added back to my consumer report and reporting the 90 days late XXXX called all XXXX credit agencies to have accounts corrected and updated once again. I explained that the accounts had been previously disputed and updated and that I, in fact, DID NOT request a reinvestigation as the email stated, nor was the information correct. 
I called the student loan servicer, XXXX, as well as logged into the portal to request the account history and to obtain any additional documentation that I could present to the credit agencies so that this can deleted from my consumer report immediately. The student loan servicer stated that they do not show the negative accounts being reported and my accounts were transferred to them in XXXX, and no negative account status reporting on their end ; nor do they show the accounts numbers that XXXX reports on my consumer report. 

Account Name : XXXX XXXX XXXX XXXX Account number : XXXX Balance : {$3900.00} 90 days late XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account number : XXXX Balance : {$5100.00} 90 days late XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account number : XXXX Balance : {$4800.00} 90 days late XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account number : XXXX Balance : {$7800.00} 90 days late XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account number : XXXX Balance : {$1500.00} 90 days late XX/XX/XXXX I also declined the offer to put a security lock and statement of fraud alert on my consumer report. I was given a confirmation Number from Transunion and that this fraud alert statement and lock would be removed from all XXXX credit bureaus on XX/XX/XXXX, but it was not removed and still reporting on my consumer report. 

Numerous calls, reports and FTC report and letters to Transunion to remove unknown and unauthorized inquiries from report. They continue to state that they have not received reports, etc. Keeps providing different mailing addresses to send disputes and documents, then when i call to follow up, a different agent gives me different information. This has went on since XX/XX/XXXX. 

XXXX is reporting inaccurate information and only XXXX account showing on the online portal, my credit score is showing over XXXX point difference due to inaccuracy and also has been reported to an entity that my score was much lower than the score I paid online to obtain ( which was still incorrect ). I can not access my credit file from XXXX online and constantly being told that I have to wait for my credit report and score to come via mail for accuracy ... .in which I never receive the score and the credit report is still inaccurate after waiting over one week to receive each report via mail.
Product: Vehicle loan or lease

On XX/XX/2021 I was given false and deceptive information, as I was informed that a down payment of {$2500.00} was needed for me to drive off the lot. I was never told I had 3 days/years to rescind the agreement. Neither was I given the notice that comes along with all consumer credit transactions. Furthermore, XXXX XXXX XXXX failed to clearly & conspicuously disclose all of my rights as a consumer including but not limited to my right of rescission.
Product: Checking or savings account

For tax year XXXX, I made an excess contribution of {$320.00} to my Health Savings Account at XXXX XXXX, managed through XXXX, and deposited through my employer 's payroll system. 

This excess contribution of {$320.00} has accrued {$0.00} of interest. Per IRS guidelines, I have until XX/XX/XXXX to withdraw an amount of {$320.00}. 

I noticed this error in XX/XX/XXXX. On XX/XX/XXXX, I provided an " Excess Contribution Removal Form '' to XXXX XXXX via email. This was acknowledged and submitted for processing. See attachment email_XXXX.PNG. 

I received no response from XXXX XXXX. I contacted them at least 3 times afterwards, and they were unable to provide me a status. 

On XX/XX/XXXX, I re-submitted my " Excess Contribution Removal Form '' ( see attachment form.PNG ). I contacted XXXX XXXX on XX/XX/XXXX, and was told that my account balance is insufficient to withdraw {$320.00}. However, my online account ( see account.PNG ) shows an available balance of {$320.00} with no pending transactions or holds. The representative I spoke with confirmed that the form I submitted was correct and that my account has sufficient funds, but my excess contribution removal was refused processing regardless.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Account Needs to be off My credit. I did not Authorize this Account I was a victim of identity Theft Attached is a police report stating what happen to my identity someone stole my laptop with all of my personal Information any many other Items which give them access to all of my personal Information
Product: Debt collection

Yesterday on XX/XX/19 I received multiple phone calls from a lady claiming to be a compliance officer contracted with XXXX County Florida. She called my job, my parents, my ex-husband, and a person that is under a legally binding restraining order from my daughter. When she contacted my HR department, she told them that I was involved in a legal criminal action lawsuit. When I returned the number in case file, they said they were XXXX XXXX XXXX. They said it was in reference to a payday loan. They said that if I did not cooperate, they would seize all of my bank accounts and assets. They said that I would never be able to open an account in the United States again. I hung up, and contacted an attorney I know. I called back with him, and a different person answered the phone with a different name. When I asked to directly pay the debt, she said it would be very hard to convince these attorneys to take my payment and they had been working on it so I would have to pay more money. I told them they did not have permission to call me at work, and not to call me at work. Phone number XXXX. Case number XXXX. I hung up. The attorney that I called with said it was a scam. This morning, XX/XX/19, I received several more phone calls from an unknown number. My HR department also received another threatening phone call from this compliance officer. I answered the fifth phone call, and the lady started screaming at me on the phone. She stated her name was XXXX XXXX, and she worked for XXXX County. She started telling me that I am being located, and found. And that the police would be coming to my job. I explained that I had already called ACE Cash express, and this was not the company that my loan was sold to. She hung up on me. She then called back and left a threatening message that I was facing legal charges for hanging up on her, and that I would never have a bank account in the United States again. I called ACE Cash express to resolve the issue, but they sold my loan to someone else, so therefore I called that number, and they sold to someone else. I left a message at the last known number to pay my debt. These people claim to be XXXX XXXX. I would like to report this because I Specifically asked them not to call my work, and they continue to call my HR department. Also misrepresenting information to me and my employer. They also called someone who was under a permanent legally binding restraining order from myself and my daughter. This whole incident was very upsetting. I do have an outstanding loan somewhere, but I am not sure where to pay it. I am not opposed to paying it, I didnt realize that I had that loan, and I moved last year.
Product: Checking or savings account

On XX/XX/22 I was told by someone at Bank of America, that the check I needed to deposit was going to be available in 24 hours. So I proceeded to deposit my check in my account to cover the items that were going to come through in my account. After my check was deposited I received the notification that it would be 24 hours, to only find out my funds were not going to be available until XXXX XX/XX/22. I called BofA to see if upper management could handle the situation. No one there was willing to get on the phone to call the bank where my check came from. I was told that my items were going to go back with fees. The total of my check I deposit was {$7300.00}. I feel this is wrong and that humans are getting lazy, depending on a computer to decide when the funds are released. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Do you have a contractual obligation with XXXX, XXXX, XXXX XXXX XXXX. Yes or No? If yes show me the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account with XXXX # XXXX, has violated my rights. 

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 an account without my written instructions.
Product: Checking or savings account

Chase closed my Business account without notifying me and send me a letter with enclosed amount to the XXXX XXXX XXXX I couldn't cash that check anymore because of Chase refused to do that. The only option I have is going to another bank and open a new business account which is a big hassle as I have partners from different states. Chase refused to provide me any reasons why the XXXX XXXX account is closed without a prior notice. 
Now I have cashiers cheque sitting at home and can't cash it to make the payments because it is under the corporation name. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is willfully damaging my credit score by double reporting accounts and refusing to remove an account that was requested for deletion by the reporting company. I've attached email conversations from XXXX XXXX that show Transunion is aware that they are reporting my XXXX XXXX accounts in duplicate but have not fixed the issue yet. I've also attached an email from XXXX XXXX that details how they've asked Transunion to delete the reporting of their tradeline from my credit report but they have failed to do so. The other CRA 's have already removed this account as requested. There are also several inquiries on my credit report that I've reported as being fraudulent and not made by me and they refuse to remove them. If Transunion continues to refuse to comply, I will be filing suit for willful non-compliance and negligence. 


The following inquiries are fraudulent and were not made by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please remove them from my report immediately in addition to the double reported accounts from XXXX XXXX and the account from XXXX XXXX which was requested by them to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

requested debt vaiidation from XXXX of wthis year, all payments was to stop until i get my information requested, but they still billed me which is a violation of the comsumer law. they have ignored my notarized letters requesting this information
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are kept to be established as correct. I am in desperate need of these items to be INSPECTED and REMOVED. 

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

I hope this letter finds you well. I am writing to formally request a Form 1099-C, Cancellation of Debt, in connection with an account under my name that was charged off by your institution and subsequently reported as such on my credit report. 

As outlined in IRS regulations under Section 6050P of the Internal Revenue Code, creditors are required to issue a Form 1099-C when a debt of {$600.00} or more has been canceled or discharged. It is my understanding that since the charged-off debt has been written off by your institution, it constitutes a cancellation of debt, and I should have been provided with the appropriate tax documentation in accordance with the law. 

Failure to provide a 1099-C form for canceled debts could be considered a violation of the IRS reporting requirements, which obligates creditors to report forgiven or discharged debts in excess of {$600.00}. It is essential for me to have this form to accurately report the canceled debt on my tax returns, and I would like to resolve this matter in a timely manner to ensure compliance with all relevant regulations. 

Please send the 1099-C form at your earliest convenience, either to my physical address or via email at XXXX Should you require any additional information or documentation from my end, I am more than willing to cooperate to expedite the process. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue.
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 have violated my rights XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX In violation of : 1 5 U.S.C 1681 section 602 A. States I have the right to privacy... THESE COMPANIES ARE NOT TO VIOLATE THAT ESPECIALLL WHEN THERE ARE SECURITY CONCERNS AND A SECURITT FREEZE ON MY CREDIT. 1 5 U.S.C 1 681 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
Product: Credit reporting or other personal consumer reports

I DO NOT RECONZIE THESE CREDIT INQUIRIES AND I ASKED FOR THIS TO BE REMOVED, AND THE BUREAUS DID NOT DO AS I ASKED. I WILL PROVIDE PROOF OF AN IDENTITY THEFT REPORT, WHICH I WILL ATTACH TO THIS AND I AM REQUESTING THAT ALL INQUIRIES BE REMOVED FROM CREDIT REPORT BECAUSE THEYRE NOT ACCURATE AND NOT MINE, SO PLEASE REMOVE.
Product: Vehicle loan or lease

On XX/XX/2020. I received a loan for a XXXX  XXXX  costing {$120000.00}. Cost of the car was {$2000.00} a month. I asked for the price monthly to be lowered on the vehicles monthly payments. The rep told me my cost was final and they wouldn't allow me to refinance for a lower monthly price. I was only behind 43 days on payments. I was in the hospital  and suffering from XXXX which was my reason for the one late payment. The rep wasnt looking to work with me and added my car to the repo list within the 45 days. A few weeks after the call with the rep, I came home from the hospital and the car was gone.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I submitted a dispute to Experian regarding the accuracy of information being reported by XXXX on my credit report via certified mail. Tracking number XXXX. The dispute was related to an account that is currently in litigation and failing to verify debt. As a part of the dispute, I provided Experian with a copy of an order suppressing the brief issued by the XXXX XXXX XXXX, which clearly indicates ongoing legal action surrounding the accuracy of the debt. 

Despite the provided documentation and the clear indication of legal proceedings, Experian has chosen to disregard my dispute and has not initiated a proper investigation into the matter. This disregard has resulted in inaccurate and potentially damaging information being reported on my credit report, negatively impacting my creditworthiness. 

I believe that Experian 's failure to launch a thorough investigation and their disregard of the information provided in my dispute goes against the principles of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to conduct reasonable investigations when disputes are raised by consumers. 

I am requesting that the Consumer Financial Protection Bureau intervene in this matter to ensure that Experian fulfills its obligations under the FCRA. I kindly request that an investigation be initiated into Experian 's practices regarding my dispute and that appropriate actions be taken to rectify the situation, including a proper investigation and the removal of inaccurate information from my credit report. 

I appreciate your attention to this matter and your assistance in ensuring that credit reporting agencies uphold their responsibilities under the law. Please keep me informed of any developments in this case.
Product: Debt collection

I get multiple calls a day every day, weekdays and weekends from Portfolio Recovery, who bought out our debt from another debt collection agency. I have dozens of numbers blocked through an app i had to download to try and stop the calls, but they use new ones every day. I sent a letter to the mailing address listed on the mail they send, asking for the constant calls to stop, but nothing has changed. I just keep blocking and saving the call logs.