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

I got the following email from Chime this morning without any further explanation : Following a recent review of your Spending Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Spending Account will be closed on XX/XX/2021. 

If you have ACH Debits or recurring debit card payments, please notify the originators immediately to avoid disruption with your future payments. ACH debits and recurring debit card payments may be rejected after XX/XX/2021, however we still encourage you to redirect your ongoing direct deposits and bank transfers to avoid any delay in receiving your funds. 

When I try calling to speak with someone, it recognizes my phone number and hangs up on me. When I try logging in, it will not allow me. And when I email them they refer me to to reference their agreement titled Amendment and Cancellation in the Chime Deposit Account Agreement : XXXX : XXXX. 

I have money coming back to my debit card and that company told me to let Chime know but they are not getting me answers. I also have a bank transfer that is in process for {$6000.00} but I have no idea if that will bounce back to the origin bank or if that money will stay in limbo. I am shocked to see how many other people have had the same thing happen to them. In the past, Chime asked me for supporting documents when they tried saying I had unusual activity and I provided them with everything they asked for immediately. I need help and do not know who can help me at this point.
Product: Debt collection

ENHANCED RECOVERY COMPANY ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$360.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Student loan

Problem with Navient - When I asked if I could make an additional payment towards the principal I was told NO - any payment I make goes right to the interest.     Also, I have an income driven repayment plan that I make every month and add more to it. When I received my last bill the interest charges was  XXXX  more than the previous several months.     I had to renew my IDRP ( which I did in time ) and even received the confirmation that it was approved. I was told by a customer service rep I did not file it in time. I told her I had the emails showing it was done on time. She said it was have to be transferred to another department and I would receive a letter within 7-10 business days, that was 3 months ago. I called this morning and they show no record of me calling them.     THESE PEOPLE ARE TERRIBLE ... ..
Product: Credit reporting or other personal consumer reports

I am extremely stressed out because I did not permit any of these inquiries showing up on my report - and it's causing me so much inconvenience because my credit scores are affected and I can not get as much financial opportunity as I used to.
Product: Money transfer, virtual currency, or money service

Yesterday, XXXX-19 I transferred money held on a XXXX   account to PayPal in 2 transfers. The first was for {$200.00} and second was for {$800.00}. These were the only times money came into my account. I made no sales using PayPal, however they have decided to limit my account in case of chargebacks or reversals. It makes absolutely zero sense. I submitted all requested documentation and answers about the transfer from XXXX and withdraw to my PayPal prepaid debit card. PayPal is not a bank and does not have the right to hold money I transferred to their platform. I was able to initially withdraw twice in the amount of {$200.00} the first time and {$100.00} the second so now there is only {$700.00} left. Again since these 4 money transactions were the only transactions to or from my account, there is nothing that would lead someone to believe there would be a chargeback, refund, or reversal.i respectfully request that my money be released.
Product: Debt collection

This ERC company do n't understand that I already settled this bill with XXXX XXXX XXXX this is unreal I lost so many point over this I should not have no att bill at all the only bill I had with att I already paid off so I do n't get why they keep harassing me
Product: Debt collection

Millennium Credit Consultants is the debt collection agency for XXXX. I am a victim of identity theft and someone stole my personal information and identity to open up a XXXX checking account. The XXXX checking account is unauthorized, fraudulent and do not belong to me. Millennium Credit Consultants debt collectors has called me repeatedly requesting payment for a debt owed for {$1600.00}. I do not owe the debt to Millennium Credit Consultants. Debt collectors from Millennium Credit Consultants has called me repeatedly and harrassed, verbally abused, sweared at and threaten me with arrest, harm, death and wage garnishment. Millennium Credit Consultants is in violation of Minnesota Debt Collectors State Laws and The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I write to you with deep concern and dissatisfaction regarding the unauthorized inclusion of information in my consumer report, a clear violation of 15 U.S. Code 1681b. This letter serves as an official dispute, urging your agency to conduct an immediate and thorough investigation into this serious breach of my rights. 
Account Name : XXXX Account # : XXXX I am writing to dispute the accuracy of information contained in my consumer credit report. Upon recent review, I have identified discrepancies that violate the Fair Credit Reporting Act ( FCRA ), particularly Section 611, which requires consumer reporting agencies to ensure maximum possible accuracy of the information in a consumer 's file. Specifically, TransUnion is reporting 30-day late payments for XX/XX/year>, while XXXX is reporting 30-day late payments for XX/XX/year>. These inconsistencies suggest inaccuracies in the reporting of my payment history. I request an immediate investigation into these discrepancies and demand that any incorrect information be corrected PAID ON TIME in accordance with my rights under the FCRA. Please provide the results of your investigation, along with an updated copy of my credit report, upon completion. 
Furthermore, the entries in question were reported without my written permission, contravening the requirements outlined in 15 U.S. Code 1681b ( 2 ) of the FCRA. As such, I request an immediate, comprehensive, and impartial investigation into these entries. I expect a detailed response outlining the findings of this investigation, including the original written instructions from me ( Consumer ) with my wet signature. 
Moreover, I am not aware of any legitimate purpose for reporting these late payments, and I affirm that I did not authorize the reporting of such information to your agency by [ Furnisher ]. Therefore, in accordance with Section 604 ( a ) ( 3 ) of the FCRA, I demand a thorough investigation into these disputed late payments, along with written confirmation of the investigation 's completion and details of any actions taken to rectify this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In despite of my previous written request the items I've found out today in my credit report still appeared but I had already disputted them. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Credit Bureaus are reporting inaccurate information. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous items reporting on my Credit Report I want to delete them all in my 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I applied for and received a business credit card offered by XXXX, named the XXXX XXXX XXXX. The actual card issuer ended up being XXXX XXXX. I used the card, and consistently paid according to terms without exception. Without any warning to me or other cardholders, XXXX abruptly ended/withdrew the card in XX/XX/year>. I received notice of this by email. I mistakenly thought that it was being transferred to another bank, or similar, but after a month or so, I realized to my surprise it had been " transferred ' to a collection agency, Servicing Solutions. I do not know this company, nor did I provide informed consent to be paying a collection agency. I consider the cancelling of the credit card and having a collection company demand payment from me to be effectual fraud. XXXX did not fulfill the obligations of their agreement, nor provide the credit card features that were offered/stated at the time I applied and was accepted as a client. Currently Servicing Solutions is claiming that I owe them approximately {$2600.00}.
Product: Checking or savings account

Dear CFPB Team, I am writing to formally file a complaint against Wells Fargo for what I believe to be predatory and excessive overdraft fee practices. These fees have caused significant financial hardship and reflect inflexible policies that take advantage of vulnerable consumers during challenging times. 

Details of the Overdraft Fees The following fees were assessed on my account : XX/XX/XXXX : {$35.00} XX/XX/XXXX : {$35.00} XX/XX/XXXX : {$35.00} Background and Hardship Since my business closed in XX/XX/XXXX, I have been working tirelessly to rebuild my financial stability. Living in XXXX, XXXX I have also endured two major natural disasters, which further compounded my difficulties.

Despite my efforts to maintain my finances, these overdraft fees have only added to the challenges I face. As a long-time Wells Fargo customer, I attempted to resolve this issue directly with their customer service. I contacted them to explain my situation and request a waiver or reversal of the fees, but they declined to make any adjustments or accommodations.

My Concerns I believe Wells Fargos overdraft fee practices are : 1. Predatory : The fees disproportionately impact those experiencing financial hardship, creating a cycle of debt that is difficult to escape.

2. Inflexible : Despite extraordinary circumstances, Wells Fargo has refused to provide relief, showing a lack of empathy or understanding for customer hardships.

3. Excessive : Charging {$35.00} per incident is unreasonable, especially when customers are already struggling financially.

Request for Action I respectfully request that the CFPB : 1. Investigate Wells Fargos overdraft fee policies and practices.

2. Advocate for the reversal of the {$100.00} in overdraft fees charged to my account.

3. Recommend that Wells Fargo adopt more flexible and consumer-friendly policies, particularly for individuals facing documented hardships.

Conclusion These fees have caused me undue financial distress during a time of crisis. I believe Wells Fargos actions violate principles of fairness and consumer protection. I am reaching out to the CFPB because I have exhausted my options for resolution with the bank directly and need assistance in addressing this issue. 

Thank you for your time and consideration. I am happy to provide any additional information or documentation needed to support my complaint. 

Sincerely, XXXX XXXX
Product: Debt collection

There are repeated calls made from different phone numbers. I have tried to set up payment that are affordable but they refuse to work with me they want a bank account, or credit card which we don't have. they are contacting our place of employment and telling them that it is a legal matter and they are harassing them also which I have advise them that we can lose our jobs because of the calls they continue to do. the rep is always threatening legal action wont tell us anything blames everything on us will not work with us and is then telling us just before he hangs up good luck then. every time we talk to this rep he threatens us with legal action and will not setup any sort of payment arrangement. then the last voicemail I received was something about an nsf check I am not sure what that is but again he threaten to take me to court. there are to many dates to put in here they call all day every day and you can not block any of the numbers because they use different XXXX numbers to call us I only have a XXXX number to call back
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I was checking credit burial and seen that wells Fargo mortgage removed them shelf of all three credit reports because i am in a chapter XXXX, they told me that they can`t report because of bankruptcy I called the court and they said they should be reporting and I called my lawyer he said the something, but when I was behind they reported everything to credit burials so isn`t that dishonest and not legal. 


Thanks XXXX XXXX XXXX
Product: Debt collection

I mailed off several complaints to different addresses for this company as well. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " CPS d/b/a Consumer Portfolio Services Inc '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Product: Debt collection

My husband and I purchased a used RV in XX/XX/XXXX. The amount financed was {$64.00} XXXX @ 8 % interest with monthly payments of {$580.00}. Unthil last year we have paid approxamitely {$90.00} XXXX. This loan should have been cleared long ago as 8 % interest on {$64000.00} is roughly {$7000.00} making the sum of {$69000.00}. The bank Wells Fargo claims we still owe {$22000.00}. They are trying to reposses the RV.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and to request the immediate blocking and deletion of all accounts related to the breach, in accordance with 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ). As the breach involved unauthorized access to my personal and financial information, I request that the following accounts be deleted from my credit report. 
Accounts to be blocked and deleted : XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$180.00} XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$100.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$4500.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$980.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX BANK - XXXX - XX/XX/XXXX - {$5700.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$710.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$9200.00} XXXX. XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$38000.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$640.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$130.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2500.00} XXXX. XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$190.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$7500.00} XXXX. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXX. XXXX XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$310.00} XXXX. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$4500.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$4400.00} Inquiries to be blocked and deleted : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX
Product: Credit card

I applied for the navy federal flagship rewards card on XXXX XXXX and the platinum visa on XXXX XXXX| was denied. On XXXX | submitted a letter stating that I was denied and could they reconsider navy federal replied stating " We are unable to withdraw applications that have already been declined ''. I hold navy federal criminally liability for violating I have proof that I was discriminated against by Navy federal due to the response I received. 


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

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations.

Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

I request that Experian, as well as Transunion and Equidax 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ].

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandatory by law. Several letters have been sent and no reply back has been received.
Product: Debt collection

Equifax is the only bureau who continues to report fraudulent information after disputing multiple time even though I sent the original identity theft police report. They 're reporting a XXXX credit card account that was charged off. I have sent the dispute to the request of the supervisor but still no action. I 'm suffering damages due to this inaccurate listing. Contacted XXXX who stated that someone signed to pick up merchandise but it was n't my name and signature. I also told them no account should have been open because I had a fraud alert on my account at that time and that I must be called and answer security question to verify my identity. I was never contacted. This behavior is willful non compliance. It 's a small amount but I refuse to pay for something I did n't authorize and that I have no possession of the goods and services they are holding me liable for. I also disputed inquiries that were placed on my report in XXXX of this year for auto shopping. There 's no permissible purpose for these inquiries and an account for XXXX XXXX that I have no knowledge of as well.
Product: Credit card or prepaid card

We opened two Credit card accounts with Bank of America in XXXX and XXXX. From XX/XX/XXXX through XX/XX/XXXX we took advantage of several promotional offers by initiating Balance Transfers totaling {$22000.00}. We used promotional checks to transfer monies to a higher interest rate XXXX Mastercard ( memo on checks clearly shows the intended use as " Balance Transfer '' ). The checks were part of promotional material sent to us by mail. The offer description clearly states that in order to qualify for the offer, a Balance Transfer or Direct Deposit must be completed by calling, online banking or by using the attached checks. In addition, the offers stated that after promotional offers expire, existing balances for Balance Transfers will go to a variable APR rate.

After each promotional offer expired, existing balances for each Balance Transfer were incorrectly moved to a Direct Deposit/Cash Advance category and higher interest rates corresponding to this category were charged until XX/XX/XXXX. 
The offer material did not state that Balance Transfers can not be made with attached checks. Only XXXX Transfers occurred and only Balance Transfer interest rates should have been charged.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following addresses. It does not belong to me. I never lived in these addresses and I was contacted by a collection agency regarding the accounts that are associated with these incorrect addresses. I also have no knowledge of obtaining any of the inquiries listed here. 
XXXXXXXX XXXX Date of inquiry : XX/XX/2023 XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/2023 XXXXXXXX XXXX Date of inquiry : XX/XX/2XXXX XXXX Date of inquiry : XX/XX/202XXXX XXXX Date of inquiry : XX/XX/2XXXX XXXX XXXX Date of inquiry : XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to get a car from XXXX and ran my credit a total of 30 times, I have them {$2000.00} in cash as a down payment. Three days later I had to bring the car back because the lender that agreed to do the loan reverse their decision and turn down the loan. I want all the banks and lenders that did not go through removed off of my credit. I need XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 3xs, XXXX XXXX XXXX, XXXX XXXX  3xs, XXXX XXXX XXXX, these are just the ones that have come to the house I'm still receiving letters everyday.
Product: Student loan

I checked my credit and saw an account from Ability Recovery for XXXX XXXX for {$1700.00}. I was unable to finish the career training program due to a severe illness that lead to a death in my immediate family.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was exposed in the XXXX, XXXX XXXX and XXXX data breach. And on XX/XX/22 a XXXX credit account with a limit of {$500.00} from XXXX XXXX, XXXX was open without my permission and reported on my XXXX and Experian credit report.