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

Companies involved : - HSA BANK, a XXXX of Webster Bank. 
- XXXX XXXX XXXX contracts them I contributed the amount to my XXXX for XXXX that they told me I could contribute. I waited until XXXX so that this amount would be correct. The explicitly told me that XXXX was the limit remaining. 

After contributing, they sent me an " XXXX XXXXXXXX XXXX  '' letter. The agent then refused to tell me what I did wrong or how to fix it. So their system lied about the amount allowed, allowed me to over contribute, then they wash their hands of the problem that they created.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent out a removal from this company it's been 30 plus days and it's still reporting on my credit.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX XXXX XXXX  ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 
XXXX XXXX XXXX XXXX is aware and has proof in the attachment labeled as Exhibit B. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ) . 
The inaccurate reporting of both my account status and payment status by ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well-being by falsely stating those non-compliant unverifiable accounts on my report.
Product: Checking or savings account

I am writing to file a formal complaint against Chime related to an unauthorizedtransaction dispute that has not been resolved satisfactorily. Below are the details : Financial Institution : Chime Account Number Ending : XXXX Claim ID : XXXX Date Error Reported : XX/XX/year> Claim Amount : {$9500.00} Nature of the Complaint : Denial of unauthorizedtransaction claim, despite my assertion and supporting information that the transaction was not authorized. 
Background On XX/XX/year>, I reported to Chime that {$9500.00} in transactions had been made on my account without my authorization. I followed all of Chimes procedures for disputing this transaction and provided any information they requested during the course of the investigation. However, I received a letter from Chime stating that, based on their investigation, no error had occurred and that no funds would be credited to my account. 

Why I Believe the Denial Is Incorrect Lack of Authorization : The transaction in question was not initiated or approved by me. I have no record of granting permission or access for this transaction. 
Investigation Concerns : I have requested, but not received, sufficient documentation or an adequate explanation of how Chime reached its conclusion. I am entitled to copies of the documentation used in their investigation, per Regulation E ( Electronic Fund Transfer Act ).

Potential Violation of Regulation E : I believe Chime may be violating Regulation E by not fully investigating my claim or providing appropriate provisional credit while they conducted their investigation, and by failing to provide the evidence used to deny my claim.
Product: Credit reporting or other personal consumer reports

As you are aware, as stated in XXXX XXXX XXXX XXXX I am a victim of the XXXX XXXX with XXXX. I have notified Experian of this matter and sent required statements, identification, and documentation for their Agency to remedy this issue. The allotted XXXX days they had to block and delete this information has surpassed. I received notice from CFPB that the company received necessary documents on XX/XX/24 it is now XX/XX/24 and I have not received equitable relief as the identified fraudulent items are still being reported against my person. Please assist me in following up on this issue by enforcing the consumer reporting agency to block and DELETE these items from my consumer report. Once Experian takes proper equitable action by completing my request, I would like an updated copy of my credit report sent to me via mail. Thank you.
Product: Student loan

I requested enrollment in the XXXX XXXX program in XXXX. I was duly enrolled and received written confirmation from the Department of Education. I was told that my loans had been passed to EdFinancial and that they would be contacting me. I received no communication from Edfinancial. 

I tried to create an online account with them but the information they have on file is not correct and so does not match the identifying information I can provide. I therefore sent them a message asking what the status of the transfer was and how to create an account, given that their information is incorrect. 

They responded ( note that this is the very first communication I have received from them in any form ) by telling me that a ) they do not have an email address for me, b ) they had enrolled me in electronic communication anyway, c ) they had enrolled me in a standard repayment plan, d ) I needed to pay them half my annual income in the next three weeks, e ) I can create an account online but that my information must match what they have on file ( they do not have an email address on file, so there is no way to provide one that matches ), and f ) I can call a number that can not be reached from where I live in order to update my information. 

Their XXXX  decision to choose electronic communication without having an email address to send communications to and then to suggest solutions that they know are impossible is at best incompetent and at worst deliberately corrupt. I simply wanted to enroll in the SAVE program and bring my loans current. They knowingly deprived me of that opportunity.
Product: Credit card or prepaid card

Ref : Barclay Visa Credit Card Account # XXXX XXXX XXXX : Dispute Case XXXX I disputed a charge for a hoodie that was not received. Do I have credit card protection for online purchases that are not received? Why am I being charged for an item that I did not receive? 

I emailed photos of a damaged bag on XX/XX/XXXX to XXXX. I disputed the hoodie to Barclay fax : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I called XXXX on XX/XX/XXXX. I need an explanation letter for this dispute after I called and faxed on XX/XX/XXXX. Barclay charged it back on XXXX Bill. Why? 

XXXX did not honor our contract. Barclay is not honoring my trust in the credit card. A credit card charge is a contract between consumer and merchant. I trusted XXXX  to guarantee that I receive the hoodie that I paid for. I did not receive the hoodie, so they need to refund my credit card {$58.00}. As soon as I dont receive the hoodie, the purchase contract is void. I dont owe them for a hoodie that is not received. You need to make XXXX refund my card. The credit card charge and contract are not valid, because the terms of the contract were not honored by XXXX. 

XXXX XX/XX/XXXX {$58.00} CREDIT - DTLR/VILLA XX/XX/XXXX - {$58.00} XXXX XX/XX/XXXX {$58.00} XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Barclay should know what a purchase contract is and resolve conflicts between consumers and merchants based on consumer law and consumer protection. 
No dispute button on your website conveys that Barclay does not want to take responsibility for credit card protection and consumer law. 
You need to refund my card {$58.00}. I will be filing consumer complaints with the government against all parties involved. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

A Verizon-branded credit card is issued by Synchrony Bank. Reward dollars on the Verizon credit card should be available to spend on the Verizon wireless bill. Although {$44.00} of rewards dollars are available on the Verizon credit card website at XXXX, {$0.00} of reward dollars are available on the Verizon Wireless website at XXXX. On XX/XX/XXXX, I complained to the Syncrhony Bank at XXXX, which said it was Verizon 's problem. Also on XX/XX/XXXX, I complained to Verizon at XXXX, which said it was Synchrony Bank 's problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to remove the Fed Loan and XXXX XXXX listed on my credit reports. The Fed Loan was discharged and XXXX XXXX has several duplicates and it has aged out
Product: Mortgage

Dear Sir or Madam : I am writing because I am trying to set up a XXXX Loan Modification. I believe the program is called " Flex Mod. '' I learned on this by researching on the XXXX Website. I am currently in Chapter XXXX ( I have only 7months left ). I had fallen behind on my mortgage. I am currently unemployed. I lost my job in XXXX. 

My mortgage company is Mr. Cooper ( formerly Nationstar ). My Loan # is : XXXX. I made a payment on XX/XX/XXXX for {$2200.00}. Because I am in bankruptcy, my Attorney had to sign a consent for me to correspond with them, which I did. I have not made a payment since because I am unemployed. I called Mr. Cooper on XX/XX/XXXX to tell them that I was unemployed and I would like an application for a modification or other options. I waited up until XX/XX/XXXX for the application, to no avail. I called again on XX/XX/XXXX. I was transferred 3 times and on hold for 20 minutes, which did nothing. I called again on XX/XX/XXXX at XXXX XXXX. I was told that I did not have to fill out anything and that they would hae something for me by the end of the week. It is now XX/XX/XXXX. I have not received anything, or a phone call. 

I believe that I am getting the run around. My plan was to make a payment once I receive unemployment benefits. It has been 5 weeks since I applied for unemployment. I need a solution to my problem and help, but they are not working with me. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permissions to furnish these accounts. 


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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$5.00} - OPen / authorized User - Remove this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX XXXX XXXX Date Opened>> XX/XX/2016
Product: Credit reporting or other personal consumer reports

I am a victim of identity Theft. I have accounts opened under my name fraudulently : 1. XXXX XXXX XXXX Opened XXXX XXXX XXXX 2. XXXX XXXX XXXX Accountt # XXXX Opened XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX XXXX Account # XXXX Opened XXXX XXXX XXXX Balance : {$13000.00} Please review and remove these fradulent accounts. 

Thank You!
Product: Mortgage

I have requested a copy of the promissory note for the mortgage on two different occasions which I know I am entitled to by federal law. Both times I was told I would receive it by email but never received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

( DISPUTE CODE - 103 ) ( DISPUTE CODE - 104 ) My personal information was stolen and used for fraudulent activities in 2020, since that day Ive been seeing a lot of unauthorized inquiries and accounts reporting on my consumer credit profile. Ive attached a police report pertaining to the incident for reference. In accordance with the Fair Credit Reporting Act multiple unauthorized inquiries and accounts have been found on my credit report. Please immediately delete and remove all inaccurate or fraudulent accounts or inquiries I have listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX-TransUnion XXXX XXXX XXXXTransUnion XXXX XXXX XXXXTransUnion XXXX XXXX XXXX-TransUnion XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX1-TransUnion XXXX XXXX XXXXXX/XX/XXXXTransUnion XXXX XXXX XXXX XXXX  : XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-TransUnion XXXX XXXX XXXX XX/XX/XXXXTransUnion XXXX XXXX XX/XX/XXXX-TransUnion XXXX XXXX XXXX-TransUnion XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -TransUnion 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 handwritten instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit card or prepaid card

A charge made to my card in the amount of {$84.00} by XXXX on XX/XX/XXXX, which posted on XX/XX/XXXX, was refunded by the merchant on XX/XX/XXXX. The refund did not post to my account. I contacted XXXX to investigate the missing refund on XX/XX/XXXX. 

XXXX took 42 days to reply by letter on XX/XX/XXXX, saying that the charge was valid and was not refunded by the merchant. 

On XX/XX/XXXX, I sent by fax and certified first-class mail a letter contesting their conclusion, including a copy of the email from XXXX which confirmed the refund was issued. I wrote, in part, " I request a full written explanation of how you resolved to assert the merchant did not issue a refund, that the charge is valid and that no error had occurred in this instance. I also request copies of any and all documentation you have, whether used in your decision making process or not, regarding this case be mailed to my address. Finally, I request the contact information of the card processing bank ( the merchant bank ) used by XXXX so I may request documentation from them independently. 

Your resolution to this case is incorrect and I respectfully ask for you to review the matter again ... As your last time to reply was 42 days, and as this matter is of utmost urgency, I require a written response within 10 working days. '' As of XX/XX/XXXX, no response has been received, nor has a credit been issued for the absent refund.
Product: Mortgage

I am paying my mortgage to Caliber Home Loans. I am a XXXX 's Hurricane '' XXXX Victim and was offered an special forbearance program by Caliber, where they allowed me not to pay rent for XXXX, XXXX and XXXX XXXX I could pay the escrow, it was fine if not no problem. I paid escrow for 2 months already. 
I am trying to do a refinance in my home. XXXX weeks ago I paid a car loan and a credit card, in order to get my XXXX XXXX little higher and get a better negotiation. 
my score was XXXX and today XXXX is XXXX. 
I checked all my reports with XXXX XXXX XXXX  XXXX XXXX and found out that I have Caliber homes as an adverse account.on all XXXX bureaus. 
talked to them and said that this is something I have to deal with the credit bureaus, not with them??? 
WHEN they offered me that program, I asked if that was going to affect my credit and was told no. 
I been receiving letters from their collection dept and called, just to make sure there was no problem and was told by XXXX people already that do not pay attention to that, because that was sent by a machine??. 
I do not know what else to do, but I feel that they are discriminating against us. 
I already filled a dispute with XXXX credit bureaus XXXX and XXXX XXXX. I probably will also file a complaint with the BBB IN XXXX. and XXXX I hope that you can help us with this situation. 
IAppreciate the attention to this matter. 
XXXX XXXX XXXX
Product: Checking or savings account

Well it started in XXXX of XXXX, my chime credit card ( secured card ) or so I thought. XXXX charged {$9800.00}. I immediately called Chime and reported the charge and while I was on the phone with the rep. Someone tried to charge my card another {$450.00}. I told the agent this while I was on the phone. She canceled my card and ordered me a new oneClaim gets denied by Chime because they said no errors where found even tho I wasnt in possession of my card at the time of charges. Fast forward to XX/XX/XXXX, I wake up to my checking account being negative {$590.00} immediately report the charges to chime and reported my card stolen not in possession of card. Claim gets denied. So even tho I reported the charges as soon as they happened why is it my fault that someone stole my cards and used them and now Im being punished by chime bank because I was the victim of identity theft. I just want the charges removed from my accounts!!!
Product: Credit card

I bank at Chase Bank. On Thursday XX/XX/XXXX a person called the XXXX number Impersonating me. They were on an unrecognized device, didnt have access to my phone number for dual authentication, and invalidated my PIN. Despite this, the representative allowed them to change my online password. Since then my credit card points have been stolen, a fraudulent {$35000.00} check has drawn on my account, and Im worried they are going to decline approx {$60000.00} in property tax payments I made today. If those payments get declined I will have a {$6000.00} penalty assessed. The frustrating part of this is I did none of it the XXXX gave access to my account and I spent all day trying to talk yo someone who could help me with no luck. This cant be how our financial system works.
Product: Mortgage

COMPLAINT ABOUT NATION STAR. 
XXXX Banks are involved in this problem ( XXXX XXXX XXXX and Nation Star. ) First complaint submitted about XXXX XXXX XXXX. This is a copy about Nation Star. 
We had difficulty paying our home mortgage and sold the house on short sale 2013. The mortgage was with XXXX XXXX XXXX. XXXX XXXX XXXX approved the short sale and accepted the proceed for full satisfaction of the XXXX ( first and second ) mortgages on the property. We have all the documents to that effect. 

The second mortgage is entered in my credit report as a debt that I am owing. It is showing in XXXX XXXX and XXXX that the debt was transferred to another lender. In the same report it is stated that the debt is legally paid in full. 
Nation Star entered it as a delinquent mortgage. 

It appears XXXX XXXX XXXX sold the mortgage after accepting the proceed from the short sale as full settlement. XXXX XXXX XXXX and Nation Star are in collusion in these transactions. 
These XXXX derogatory entries in our credit report are adversely affecting our credit rating seriously. As a result we are having great difficulty getting a mortgage to buy a home. This is causing us serious pain and distress..
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is using my information without my consent and still can not provide proof that I allowed permission for information to be used with my credit report.According to 1022.42 Reasonable policies and procedures concerning the accuracy and integrity of furnished information. it states Each furnisher must review its policies and procedures required by this section periodically and update them as necessary to ensure their continued effectiveness. And as shown no updated credit report has been placed. 

All inquiries listed consist of duplicates with different dates which by law can not be placed on your profile According to 15 U.S. Code 1681a - Definitions ; rules of construction - any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title there for this is illegal
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfers

PayPal insists on charging their exchange rate when I make a purchase, and makes it difficult if not impossible to opt to be charged in local currency. I have a US credit card that offers me the spot exchange rate for foreign currency transactions so obviously I choose to be charged in foreign currency instead of having PayPal opportunistically give me their above-market rate. Please force them to at least offer the option of being charged in local currency.