23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Back in XXXX my Grandma XXXX wanted to buy some appliances, I decided to help her apply for a credit card and she was approved for {$6000.00} with Discover for 0 % which made my Grandma very happy! 

We waited patiently for her card and once arrived, we activated it and then ran into a roadblock, according to my Grandma, Discover had called her and Discover had spoken with an unauthorized representative of my Grandma, who did not approve and thus further delaying her ability to use the card. We believe this triggered them into asking for length details of documents instead of speaking to the real account owner, Discover spoke with someone else and because of their negligence we're held responsible?! I don't think so. 

Then Discover never contacted us requesting for documents for verification, there was NO letter or call of any sort. Discover THEN felt it was okay to cancel my Grandmas account she was approved for? She has a XXXX score with no lates or any baddies, why is she being penalized?! 

We submitted the requested documents even close to where Discover jeopardize my Grandmas health by FORCING her to go to her bank during the COVID-19 Pandemic to get her paper notarized because Discover is incompetent and can't even complete a normal verification method of my Grandma. 

We submitted all her bank documents and the Discover papers over 30 days ago and no response again ... this is what they did last time and blame us!!! 

I've helped my Grandma call XXXX a million times and have provided everything they need yet they continue to neglect us.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on My Credit Report Dear Sir/Madam, I am writing to formally dispute certain information on my credit report that I believe to be inaccurate, based on the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. After reviewing my credit report, I have identified [ list the accounts ] that I believe are inaccurate or incomplete. Under the FCRA, you are required to investigate and correct any errors or inaccuracies within 30 days of receiving this dispute.

Legal Basis for Dispute : Under the FCRA, specifically : 1. Section 1681i - Procedure in case of disputed accuracy : You are required to investigate disputed information within 30 days of receiving a dispute notice from the consumer. The information you report must be accurate and complete. If after investigation, the information can not be verified as accurate, it must be removed.

2. Section 1681e ( b ) - Duty to maintain accurate information : You must follow reasonable procedures to ensure that the information you report is accurate. If I have disputed the accuracy of any information, you must provide verification or remove the disputed entry.

3. Section 1681c - Information excluded from credit report : Information that is outdated or unverifiable should be excluded from my credit report. If these accounts can not be properly verified, they should be removed from my credit file immediately.

I have reason to believe that these accounts are inaccurate because this was a secured card I deposited money to open these accounts when closed they kept the money, meaning the account is paid off. As such, I am requesting that these accounts be permanently removed from my credit report.

Please investigate this matter and provide me with the results of your investigation within the 30-day period required by the FCRA. If the information can not be verified, I expect the accounts to be deleted from my credit report in compliance with the law.

Additionally, under FCRA Section 1681i ( a ) ( 6 ) ( B ), if these accounts are not verified, you are required to notify any party who has received a copy of my credit report within the past six months.

Please provide written confirmation of your actions regarding this dispute. I am also requesting a copy of my updated credit report once the dispute is resolved.

Thank you for your prompt attention to this matter.

Sincerely,
Product: Credit reporting or other personal consumer reports

violations of federal statutes in reporting and validating credit and misinformation about negative items as well as address and erroneous information which has caused me financial harm and mental anguish To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my credit report.

I understand that mistakes happen, but your inaccurate information could hurt me in future and cost me a job, dream house, car or force me to pay higher interest rates and frankly I have enough stress as it is.

Please remove any names, addresses, and employers listed on my credit profile that are not the following : XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute and demand the immediate correction of inaccurate and outdated information appearing on my credit report in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 605 [ 15 U.S.C. 1681c ].

The following item ( s ) are reporting inaccurately or beyond the permissible reporting period : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department Of EducationXXXX XXXX XXXX ] According to FCRA guidelines, negative information such as delinquent accounts, charge-offs, and collections must not remain on a credit report for longer than seven years from the date of first delinquency. The listed item exceeds this statutory limit and should have been removed.

Furthermore, reporting outdated or incorrect information undermines your obligation to maintain accurate consumer data as mandated by federal law. I demand the following actions be taken immediately : 1. Remove the inaccurate or outdated information from my credit report.

2. Notify me in writing within 30 days of your corrective actions.

3. Provide an updated copy of my credit report reflecting these changes.

Failure to comply will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or take legal action to protect my consumer rights.

Please consider this letter a formal record of my dispute. I expect prompt attention to this matter and resolution as required by federal law.

Sincerely, XXXX XXXX
Product: Mortgage

MY LOAN WAS TRANSFERRED FROM SPECIALIZED LOAN SERVICING TO SHELLPOINT MORTGAGE XX/XX/year>. 
THE WELCOME LETTER STATED THAT MY LOAN NUMBER AND TERMS OF MY LOAN DID NOT CHANGE. LAST MONTH, MY STATEMENT AMOUNT WAS {$220.00}, WHICH IS WHAT I HAVE BEEN PAYING FOR THE LAST 9 OR 10 YEARS. THIS MONTH I RECEIVED A STATEMENT FOR {$250.00}. I CALLED SHELLPOINT TO INQUIRE ABOUT THIS INCREASE. AFTER THE AGENT PUT ME ON HOLD FOR A CONSIDERABLE AMOUNT OF TIME, THE AGENT CLAIMED IT WAS FOR INTEREST. IF THE TERMS OF MY ACCOUNT IS NOT CHANGING, HOW AM I SUDDENLY BEING CHARGED INTEREST? I RECEIVED NO LETTER IN ADVANCE STATING THESE CHANGES. I HAVE HAD SEVERAL MORTGAGE TRANSFERS AND NOT ONE OF THOSE COMPANIES CHANGED MY MORTGAGE PAYMENT BECAUSE OF INTEREST.
Product: Payday loan, title loan, or personal loan

I had an account with Lending Club. I contacted their office and asked for a payment to be moved for a month. Moving the payment from XX/XX/2018 to the end of the term. I was planning to pay off the account in 30 days. I received a letter stating it had been sent to collections. I was very upset and contacted them immediately. I had never had a late payment. I did pay off the account in full XX/XX/2018. I asked that the 30 day late posting be removed from my credit to reflect " Paid in Full and Paid as Agreed ''. I thought this had been completed. I got a copy of my credit report yesterday and found that Lending Club had reported my account as 30 day late and paid in full. This wasn't handled properly on their end and they didn't follow the instructions we had agreed upon. I have not had a 30 day late on my credit. This is having a negative effect on my report. I ask that this mistake they made be removed. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute several accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. The following accounts are listed below : XXXX XXXX Balance : {$860.00}, XXXX XXXX  XXXX Balance : {$540.00}, XXXX XXXX XXXX Balance : {$480.00}, XXXX XXXX XXXXXXXX Balance : {$3200.00}, XXXX XXXX Balance : {$1200.00}, XXXX XXXXXXXX Balance : {$660.00}, XXXX XXXX Balance : {$14000.00}
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention a matter of concern regarding my credit report. Upon reviewing my credit history, I noticed that there are late payments inaccurately reported for the following accounts : MB FIN SVCS XXXX  These late payments are inaccurately reflected in my credit report, and I request that you correct this information immediately. I have attached supporting documents, including bank statements and payment records, to verify that the payments were made on time for the specified accounts. 
I understand the importance of accurate credit reporting and how it can impact my creditworthiness. I am confident that the correction of this misinformation will contribute to a more precise representation of my credit history. 
Please conduct a thorough investigation into the matter and update my credit report accordingly. I kindly request that you provide written confirmation of the corrections made within 30 days from the date of receipt of this letter.
Product: Credit reporting or other personal consumer reports

While CNAC and XXXX XXXX XXXX was on cease and desist XX/XX/2022 they continued to add reports on my profile and they have sold and charged off the debt with a balance and have not sent me a 1099c. I also discovered a major discrepancy in the sale price of the vehicle sold to me, where there are 3 different purchase prices on my paperwork and paperwork reported to the DMV. This Vehicle was Repossessed and resold. 
I have sent them 2 notarized notices and affidavits and plan to file an additional complaint with the DMV.
Product: Credit card or prepaid card

At some point in XX/XX/XXXX, I called my credit card company, Fortiva, and reported suspected fraudulent activity on my account. After two hours had passed by, I realized that I had made the charge and it wasn't fraudulent. I called Fortiva to tell them this two hours after I had called the first time and they told me that it was too late to take the claim back and that I would have to wait seven to fourteen business days for the replacement card. I understood and actually appreciated the security reasons behind that.

Fourteen business days passed and I never received the replacement card. I again applied for a replacement card online and selected the rush delivery option that would cost me {$25.00}, but I am in need of the card so I was willing to pay the fee. I ended up calling the company again anyway and I was told that they don't offer rush delivery, and I would have to wait up to fourteen business days for a new card. I expressed my dismay and I waited again.

Fourteen business days have passed again, and I still do not have my replacement card. Frustrated and upset, I called MasterCard to report what was happening, and they weren't of much help either. I called Fortiva and reported to them that I was making this complaint to Consumer Finance Protection Bureau and here I am. I was told just five minutes ago that I would again have to wait up to fourteen business days, and I asked, considering the circumstances, if I could have the card rush delivered. I was told I would have to pay {$25.00} and I agreed to that. I feel like I should not have to bear the cost of the rushed card, as this long and unnecessary waiting period is their fault. 

I have never been late on a payment, my balance is virtually XXXX, and I have been making payments the whole time I have been without my card. I am in between jobs and I am waiting to start at my new job on the XX/XX/XXXX, and I need access to my line of credit now! The company is aware of this. I am reaching out because I am convinced that I will not receive a replacement card again. Something has to be done about this. I am a good cardholder and I don't deserve this horrible experience. I just want my card ASAP and I don't want to pay any special fees for it being rushed to me considering the circumstances. I ordered a new card originally in XXXX, and it is almost XXXX. Fortiva tried to tell me that my original request for a new card was some time in XXXX, but that is false. I have no reason to lie about any of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the collection agency XXXX XXXX directly, as well as, XXXX, since XX/XX/2019 disputing the error that is being reported in the amount of {$3600.00} and another account for {$4100.00}. This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
Product: Credit reporting or other personal consumer reports

There are few thing 's on credit report that were removed and now show about up one is XXXX XXXX XXXX. That was removed by XXXX XXXX XXXX. Investigated by the cfbp. And all there credit reporting agencies. The other is the child support. I am asking for a copy of the court order from XX/XX/XXXXXXXX XXXX XXXX of 2017 yo be provided to me all credit reporting agencies there is no XXXX credit repot..
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. 


XXXX, EQUIFAX AND XXXX  HAS A COLLECTIONS ON MY FILES THATS NOT MINE.. 
XXXX IS NOT MINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account named XXXX XXXX/XXXX is being reported wrong as this is not the name of the creditor, the name of this creditor is incorrect, I want Experian to investigate this inaccuracy or delete this account.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I was under the impression that I was hired for a job as a remote XXXX XXXX XXXX for $ XXXX hr.For a company called XXXX XXXX XXXX XXXX I was told that they needed to sent me a check for the all equipment I would need to start the job ; they advised me they would need me to send payments to the vendors for so they can sit up and send the equipment. I deposited the check and they advised to send to XXXX XXXX. I sent two payments one for {$590.00} and one for {$400.00}. They also advised to send via XXXX XXXX XXXX XXXX blocked the payment as fraud. I called USAA to report the fraud incident hoping they would help resolve my case especially since I have been a member for over 20 years. 
When I called I was advised that XXXX transfers are not protected. I offered to send all documents. The rep at USAA advised that since it was a XXXX transfer no evidence is needed. I would like my account corrected and adjusted and the perpetrators be punished for fraud.
Product: Checking or savings account

They have my account freeze from XXXX for the reason they say unusual activity but i was paying my bills and i was using my money i dont understand why they freeze
Product: Consumer Loan

I have a loan with Carfinancial Capital since XX/XX/XXXX. the due date was requested to change on XX/XX/XXXX after I get my new job outside the USA from XXXX to the XXXX of each month, the change was requested in order to avoid late fees. The finance manager at the time XXXX XXXX who I believe is not longer with the organization agreed and approved to the change but six month later I started receiving harassing calls and letters from the company because the account had accumulative late fees, Then I came to know that the new due date was never adjusted. I had tried several times to come into an agreement with the company about the due date since my payroll date is on the XXXX of each month and by the time I wired the money to usa and I make the payment It ca n't be earlier than the XXXX but their answer is always very rude and with no accomplishment, I am making my payment each month and on time but due to their negligence to fix the situation from XX/XX/XXXX the account keeps increasing with late fees. I have several communication on the phone and the very last ones in writing to the manager of finance department with no reply from their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

This does not suffice after viewing my credit report it is till in accurate, they are showing my creditCredit cards or credit lines Total balance : {$4000.00} a XXXX credit line of XXXX and a XXXX of XXXX this is in accurate information the XXXX  reports as a charge off which under the 15 U.S.C. 1681 - U.S. Code must report correct information I want the amex removed as a line of credit do the incorrect amount which was a XXXX dollars and the account has been sold and use as a tax write off
Product: Mortgage

I have never filed for any bankruptcy, this is the complete lie. I dont know from where you are getting this information, I asked you to change your attorney, XXXX XXXX XXXX 

I also sent a letter to your CEO, I havent received any response from him
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within XXXX business days of receipt
Product: Checking or savings account

I have a complaint concerning Wells Fargo overcharging me for banking fees and closing my account out for human error and not giving me ample time to rectify the problem.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed I had a late payment on an account that I was never late and the late payment is also shown on different dates through the different reporting agencies, demonstrating the inconsistency of the information. For Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX ( ACCOUNT LAST 4 DIGITS : XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Mortgage

mb financial reported 2 times 30 day lates on my credit report for the months when I was NOT late, had an auto pay and overpaid where they had to send me a refund in XX/XX/XXXX for the overpayment. but yet they are refusing to remove the 30 day lates reported for XX/XX/2015 and XX/XX/2015 which were NOT my fault but a failure on MB financial end to property set up my auto deduction and process payments, applying them to the correct account instead of sending me a refund for overpayment. see letters received and my responce to them attached
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX # XXXX sued me around XXXX XXXX. We went to court and had a hearing where I filed a Motion to Dismiss, there was a scheduling order and Defendant 's First Request for Production of Documents and A Journal Entry with Dismissal by the Petitioner Attorney XXXX XXXX. Around XXXX XXXX I received a phone call from Attorney XXXX XXXX asking if I would like to settle. We reached a settlement where he would pay me {$16.00} and remove this debt from all three credit reporting agencies. The mysterious thing is that XXXX XXXX sued me, but a debt collection agency owned by Attorney XXXX XXXX named AdAstra is reporting the debt to the credit bureaus. I wrote two letters to XXXX XXXX and one to Ad Astra. I wrote and disputed with the credit bureaus and showed my proof that there was a settlement and the case was dismissed by Attorney XXXX. I have all the paperwork and evidence. I have NEVER received the {$16.00} from Attorney XXXX nor has the wrongful credit reporting ceased. AdAstra is still reporting this debt, ruining my credit, when the case was settled and dismissed in XXXX of XXXX.
Product: Checking or savings account

Chime lies about referral bonus credit. 

I can not believe that a business that claims to be customer centric who wants more customers to use it's app and business, repeatedly lies about referral bonus Especially even after confirming referall bonus eligibility. 

Chime offered referral bonus XXXX $ to me when i opened my account. 
I referred my family member. 
My family member opened that account using my link and successfully created a chime account and made her first Direct deposit in XXXXXXXX 

For reference my family member email id is XXXX Her name is XXXX XXXX XXXX. 


She received her referal bonus of XXXX $ without issues. But when i did not receive my XXXX $ referral bonus i contacted Chime customer service and more than once i was told that they have confirmed my eligibility that they have manually applied XXXX $ credit to my account and that i should see it reflected in my account in 3 to 4 business days and then wheh it did not credit in that time, another agent reconfirmed my eligibility and said it will credit to my account in 7 to 10 business days. 

And yet again when that did not happen, i was told that its techinal error that they can not do anything about it. 

I can not believe how deceptive this company is. How can customers trust and continue to do business with a company that does not honor its words and trains it's customer service agents to lie to customers? And not offer any meaningful help? 

Im disappointed in their click and bait approach. 

I have attached screenshots of my correspondence and proof of my referrla link, and I am reporting to XXXX and CFPB of Chime 's dishonest practices, so this is recorded for use by these organizations.
Product: Checking or savings account

Chase got the depositors info a s id and still won't release my money