23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Chime keeps denying my dispute for XXXX XXXX XXXX XXXX delivered to my home. They say that no error was made when there were several. I made my statement and they asked for a picture. I told them I didnt have a picture. They told me I must have a picture or I cant dispute the charge which is not legal. How do you take a picture of cold food? So I submitted a generic picture of a broken hard XXXX XXXX to represent the poorly made and cold food that was delivered to my home. Where is the proof that my XXXX XXXX food arrived hot and as I ordered it? Which chime employee drove from XXXX XXXX to XXXX, Ca to watch my food be prepared? What evidence does chime have that supports that my food arrived hot. Did chime witness the XXXX XXXX employees cook each food item for the proper length of time? Did chime ensure that all the ingredients that I wanted added to my order were present and the items I wanted removed were those actually removed? Where is the supporting evidence that shows that the food was cooked long enough, where is the proof that the driver didnt have his a/c in his car pointed at my bag of food? How do you know that my food wasnt placed next to a drink and that effected the temperature of my food. There are so many unknown variables that chime has no evidence to support and they deny my claims so they can hold onto my money for aslong as possible to collect millions of dollars of interest on consumers money. When I deposit a check they hold it for longer than the time they originally tell me every time. This is another attempt to defraud customers out of their money, that is why the feds just ruled that chime may not refer to its self as a bank because they are not a bank and they do not operate under the laws of the banking industries. Plain and simple my food arrived cold and not as advertised. There were several errors made on this order and I am not responsible for the {$32.00} XXXX XXXX charge I have disputed five or more times and each time they deny it with no proof or supporting evidence and no details other than no error was made. I am the only person on this earth who can make the judgement of whether or not my food arrived to my satisfaction. Chime is a crooked company with integrity issues. Technicals this transaction is also an overcharge for charging me {$32.00} on a transaction I disputed. If I do not owe the charge and your not removing the disputed amount Iam being charged more than I agreed to as I did not agree to purchase cold and inedible food and per the over charging laws in the state of California that is a misdemeanor crime punishable by a {$1000.00} fine and the consumer gets all the disputed transaction back plus 10x the difference is collectible by the consumer for the overcharging for products delivered not as ordered or advertised. Chime is not a bank and can not refer to itself as a bank. Chime also continued to collect payments on disputed amounts which is a violation punishable by a {$1000.00} fine per instance.
Product: Money transfer, virtual currency, or money service

Someone scammed my cash app for XXXX I reached out to cash app and they said they would get back to me and never did
Product: Credit card

I noticed on my credit report alerts from XXXX  that someone opened 4 credit cards under my name and with my personal information. In XXXX i started receiving these " alerts about past due balance '', " it looks like your using your credit '' and " you credit card balance went up '' which was really weird. My credit score went from XXXX to XXXX in two to three weeks. 

Discovery bank card balance shows {$10000.00} with credit limit of {$12000.00}. Authorized user since XX/XX/. i never opened a discovery card this is fraud.
Product: Student loan

XXXX offers a .25 % interest rate reduction for auto payment. XXXX requires " additional identity verification '' before allowing users to sign up for automatic payments. Despite answering the online questions for identity verification I was told they are unable to verify my identity. Because of this I was requested to mail a copy of three of the following to XXXX : Driver 's License Social Security Card Passport Birth Certificate Prior Year 's XXXX All of these items contain highly sensitive that nobody with a sense of security would provide to anybody. This additional identity verification puts consumer 's privacy at risk and puts an unfair hurdle to receiving the .25 % interest rate reduction.
Product: Credit reporting or other personal consumer reports

Several attempts to correct incorrect information on my credit file. 
Submitted documents XX/XX/XXXX to verify LEGAL NAME, date of birth and SSN, sent Certified, return receipt. Not updated. 

Called XX/XX/XXXX, first employee was extremely rude and refused to update information because creditors are reporting wrong names and have to be disputed with each creditor. 

Second call, rep assured me all other names have been removed except my LEGAL NAME OF XXXX XXXX XXXX XXXX They assumed me everything would be updated. 

XX/XX/XXXX review resolved CFPB notice, and Experian disputes being closed without action. 

EXPERIAN / XXXX still reporting names that DO NOT BELONG to me. 

The credit file is still incorrect after numerous calls and submission of documents. 

Experian / XXXX is refusing to correct my Legal Name which is the only name I have used for decades. 

This is a direct violation of my rights under the FCRA and numerous US CODES.
Product: Debt collection

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

TRANSWORLD SYSTEM I Please block/delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account name XXXX XXXX XXXX, Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. Also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

I have several student loans owned by NCT ( or XXXX ) and due to my worsening XXXX XXXX I have been unable to work for some time. I am receiving Social Security XXXX, have been approved for a XXXX XXXX discharge, and approved by XXXX & XXXX for a full discharge of the student loans that they held. I asked NCT for a compassionate review of my private loans ( totaling over {$40000.00} ) 8 months ago and they have responded with requests for more information, but have not forgiven the loans ( or made any effort to compromise ) despite my promptness in getting the information they requested. At this point, my loans are soon to do into default which wo n't do anything except destroy my credit because I do not have the ability to pay these loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion should not be reporting me as an authorized user on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of identity theft here. 

On XX/XX/2020 I received a notice on XXXX XXXX of a " XXXX XXXX XXXX '' hard credit inquiry through Equifax. 

XXXX XXXX does not provide a dispute mechanism and they referred me to you. 

Can you please assist? 

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

Received a call from XXXX XXXX XXXX. The merchant closed my complaint without proper resolution. I previously submitted proof of payments and requested a lease satisfactory letter. I paid more than the settlement amount. Now they have placed me in collections for over {$400.00}. No notice was sent to me from the collection agency just a phone call. This is predatory lending at its finest. I paid the required settlement amount. I dont owe anything else. Please assist.
Product: Checking or savings account

I am writing to file a complaint with Navy Federal credit Union regarding multiple overdraft fees I have incurred despite having sufficient funds when transactions were authorized I was charged fees due to lagged posted of charges and credits. This issue aligns with the recent CFPD Findings against Navy Federal for a similar practices, where transaction settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking help to whoever can help me with my credit problem, There are several items on my report that I don't have knowledge of and i want them cleared from my report. I already sent you the dispute letter over thirty days ago but you still havent responded to me and i think that is a violation of the consumer rights. Please delete those negative items so i dont have to spend for taking legal action. TY
Product: Credit card or prepaid card

I purchased a shower door my account was charge by a PayPal account {$100.00} from the merchant. I never got my merchandise. I never got a refund after disputing the charge. I was told XXXXXXXX XXXX XXXX and the can not give me back my SSI money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Personal Information has gotten into the wrong hands and been used to apply for credit that I did not authorize
Product: Debt collection

I dont even know what this debt is, it just popped up on my credit even though I havent applied for nothing new. Ive been trying to clean up my credit
Product: Checking or savings account

Deposited Insurance check {$7500.00} for medical emergency and cash {$100.00} in Chase Bank account on XXXX. Receipt said funds would be available XX/XX/XXXX. I called customer service on XXXX after depositing at bank to ask about when my check would clear. They tried to call my insurance company while I was on the phone to verify but told me they could not reach them and verify the check with the issuer and to just wait until XX/XX/XXXX for the check to clear in the system. Was also told my entire account was restricted. I waited until XX/XX/XXXX and I saw that the funds were deposited but not available. Called Chase again XX/XX/XXXX to find out what was wrong. Was told my account was scheduled to close XX/XX/XXXX or XX/XX/XXXX because they seem to not have tried again to verify my check during the XXXX clearance period. The representative called my insurance company and was able to verify the check and told me she sent a request to reopen the account which would take 1 business day. 1 business day later I checked the account and it was closed. There was no account on file. I called again XX/XX/XXXX and spoke with a rep about my account closure. The rep said the request to reopen the account was sent but was never reopened by back office. They put in another request to reopen the account and told me to wait 1 business day. I checked the account again 1 business days later, and saw it was back up however saw all the money was withdrawn out of the account, my debit card was no longer usable and the account was still restricted. I called again XX/XX/XXXX to request again for my funds to be located and my account to be opened. I was told the money would be placed back in the account that day or the next and the another request was placed to remove the restriction from my account. Waited Friday and over the weekend and checked again Monday XX/XX/XXXX and saw no change. Called again and was told the same thing ( requests were submitted to remove the restriction from my account but never happened ), also asked where the funds from my check were. The status of the cash deposit was listed as available but the check was still missing. The rep made another request to the back office to lift the restriction off my account and told me to wait 1 business day. The next day XX/XX/XXXX, still the same. I called again and the rep told me the same thing ( request sent, wait 1 business day ). I waited 2 days and checked again XX/XX/XXXX, still no change. At this point I dont know where my money is and have been completely inconvenienced because Chase failed to follow through on their end to call to clear the check ( which they made it seem like that was my fault/task ) and failed to resolve the situation by reopening and locating my funds. This has not been resolved for 20 days now. I need the funds to pay for my XXXX on XX/XX/XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

They allowed me to use the account for about a month let me get a credit builder loan and payday loan and as soon as I did that they blocked my account. They arent allowing me to access the account and havent stopped taking money.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Dear CFPB, Subject : Inaccurate Late Payment Reporting for Account with XXXX XXXX I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Equifax for account # XXXX with XXXX XXXX. These late payments are erroneous and do not accurately reflect my payment history, as I have consistently made payments on time through autopay. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. My account was fully paid on time, and autopay was active to ensure consistent, timely payments. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness and payment history. 
Potential Violation of the Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices violate the TILA, which mandates accurate reporting of credit information.

The FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure maximum accuracy in consumer files.

Additionally, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively, allowing for damages, including actual damages, attorneys fees, and possible punitive damages for failure to comply with the Act 's requirements. 
Summary of Errors on Account The XXXX XXXX account displays several discrepancies across credit bureaus. Equifax incorrectly reports XXXX-day late payments for XXXX, XXXX, XXXX, and XX/XX/XXXX, while XXXX and XXXX report XXXX payments for XXXX, XXXX, XXXX, and XX/XX/XXXX, despite timely payments through autopay. XXXX and Equifax list a high balance of {$30000.00}, while XXXX shows {$0.00}. 
Additionally, the " Date Reported '' and " Date of Last Activity '' differ, leading to inconsistencies in account status. Equifax inaccurately describes the account as " closed or paid account/zero balance, '' while the dispute status remains " not disputed '' despite prior correction requests. These errors collectively misrepresent the account 's payment history, balance, and dispute status. 
Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payment notation from my credit report. All entries should be updated to reflect my accurate payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within XXXX  days of this complaint submission. Failure to resolve this issue may lead to further action to protect my consumer rights. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Student loan

Today 's date is XX/XX/2018. On XX/XX/2018, we ( the student, XXXX XXXX ) and myself, as co-signer ( XXXX XXXX ) requested documentation that one of XXXX  's loans be shown as current. XXXX XXXX XXXX, the loan processing company, asked for proof that XXXX made a XX/XX/XXXX payment, which XXXX does not reflect. They show an XX/XX/XXXX payment for the XXXX bill, but they applied the most recent XX/XX/XXXX payment to the XXXX bill because they did not record the XXXX payment that XXXX made. XXXX took a screen shot of her XXXX 's bank statement for the selected transactions on XX/XX/2018. It displays the correct amount ( actually two payments ) debited for 'XXXX XXXX and XXXX XXXX. ' We faxed that over to the number XXXX provided. We were told it would be as many as 3 business days to get the adjustment made. I called back after 3 days and they moved the goal posts. It was now going to be 7-10 business days. I asked to speak with a supervisor, who sent an email to the XXXX branch, asking that this be expedited. I called back and got another supervisor, XXXX ( XXXX ), who asked for a detailed statement reflecting payments made to XXXX from XX/XX/2018. Instead we got a textual breakdown. Again, XXXX 's payment in XXXX, proof of which we faxed over is still missing in their records. We are not allowed to speak directly to anyone in XXXX, and I have to wait another 24 hours to speak with XXXX 's manager. Delays in their escalation process are painfully slow. And I think it is purposeful. Perhaps we should not have pointed out that we are trying to consolidate XXXX 's student loans and refinance with another lender, XXXX XXXX XXXX. We are on the clock to get the paperwork completed. Currently everything is approved except for the letter from XXXX showing that the loan payments are brought current.
Product: Credit card or prepaid card

I opened an account with Lowe 's in XXXX while building my last home. In XXXX, my home burned and in XXXX I began the process of building another home in it 's place. After the fire, my wife fell and XXXX XXXX XXXX XXXX XXXX XXXX, requiring her XXXX XXXX XXXX and resulting XXXX. She was without income while awaiting XXXX for over a year, but I continued making my payments on time. I had no choice but to use my credit card often while building our new home due to the loss of her income. ( She was a XXXX XXXX for over 20 years. ) In XXXX, XXXX I had a XXXX XXXX XXXX XXXX XXXX, which resulted in a XXXX XXXX XXXX XXXX XXXX XXXX and suffered a XXXX due to a XXXX XXXX XXXX XXXX XXXX. I received XXXX at XXXX in XXXX, AL and have recovered from the left sided weakness. But, the cognitive damage was so bad that the psychologist for the XXXX recommended XXXX for me as well. Later, in XXXX XXXXSynchrony Bank reviewed my credit report and increased my APR from XXXX % for all purchases prior to XXXX/XXXX/XXXX to XXXX % for all purchases after this date due to a high debt-to-income ratio. My wife and I inquired about the increased APR and were informed the change was based on my credit report. We requested a decrease in the APR due to the extenuating life circumstances we encountered over the past few years and were denied, even though we were never late on a payment. The last denial of this request was XXXX/XXXX/XXXX when we asked for a decrease in APR again, explaining the payments are ridiculous with a XXXX % and XXXX % APR. The " Totals Year-to-Date '' provided on my statement reflects {$2900.00} in interest charged in XXXX. When asked if " any '' assistance/forgiveness was available if we provided our medical records, we were told " no. '' We plan to have our debt consolidated when possible, pay our XXXX XXXX account in full and then close the account.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many account which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any account which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items.XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, If you feel there is a possibility these account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the account is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Student loan

I need a description of the specific forbearance or deferment periods, and I request an account history from my servicer. You put me in deferment and forbearance for years which counts for the time I have to get rid of this loan. I need an exact count of how many years I have toward forgiveness. Last year I also took classes in real estate and received a certificate. You have all the paperwork in your records that I sent you and probably more you havent sent me. I have a borrower 's defense and a forgery accusation out right now and I am in forbearance until 2026.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/Drivetime has been reporting incorrect information on my XXXX  and XXXX  credit reports for years. On multiple dates with the last being XX/XX/XXXX XXXX/drivetime couldn't even find an account # XXXX with my name on it since it was opened XX/XX/XXXX. instead of correcting the error of 30 days late on XX/XX/XXXX they made reports worse by changing to now status as 30 days late instead of paid in full and adding another LATE for XX/XX/XXXX which is impossible since loan had matured and was paid in full and was never late.. I've asked bridgcrest/Drivetime on multiple occasions to send me proof of original contract with signatures and the proof I was 30 days late. Every time they have refused saying thy can't find cause of age on account. this is the only mark on my credit report and its affecting my score by 30+ points. Also contact info is different with each report with most being disconnected XXXX  FORMERLY DRIVETIME # : XXXX XXXX XXXX XXXX XXXX XXXX , AZ XXXX ( XXXX ) XXXX
Product: Debt collection

I got a physical mail about some XXXX bill of {$4800.00} for XXXX construction, that has my home address to it. 

I am sure its a scam as when I called them back they asked for last XXXX of my social. When I did not give the same, they said account number has been removed and hung up. 

Following are the details of the company that sent me the email : Convergent outsourcing , INC . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, WA XXXX XXXX