23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I woke up to two text messages in my phone from Chime regarding setting up an account. I use real financial institutions I've never had a chime account. I've never had an interest in having a Time account. I called the number the first time that was in the text message and spoke to someone named XXXX who was foreign. I felt uneasy speaking with him so after an appointment I called back to the number and the text message again which I had verified was the customer service number online. I then spoke to someone named XXXX who was also foreign and I was having difficulty speaking with him. He asked me my name and I gave it to him. And then he went on to ask me things about my social security number and date of birth things that their text message and their website say not to give them over the phone he then asked me for my phone number and said that there was an account associated with my name and phone number when I started asking him questions about the information like when it was created and things like that he told me he couldn't give me any information due to privacy. Yet he asked me important details about my personal information so now time has confirmed there is an account under my name and my phone number. He told me the only way that he could close the account is if I gave him my social security information or my date of birth which I feel like wasn't legal. So I informed him that I was going to start the complaint process. XXXX did not help me. I asked if that was the fraud department he wouldn't give me any information. Your Complaint Form asked me for a card number associated with my complaint. I don't have a card number because I didn't open the account.
Product: Bank account or service

Recently, I did online shopping with XXXX and ordered for a smart watch. XXXX XXXX : XXXX + Insurance : XXXX XXXX + Fast Freight : XXXX XXXX ; Total amount payed : XXXX XXXX. I was asked to buy this single smart watch by a trading company in XXXX. This single watch should be a sample for the company so that the company can examine it whether it has marketable features for XXXX market. I am a XXXX XXXX and not a trader. I only wanted to do this because they asked me to do it. I paid for the watch through PayPal with the instructions that I need the watch to arrive within ten ( 10 ) days. However, when I observed that the order has not shipped after seven days, I canceled the ordered and requested for a prompt refund of XXXX. XXXX was added to compensate for wasted time and financial loss on my side for placing this order. 
XXXX replied that they have paid the requested refund. PayPal also confirmed it but it has not reflected on my Bank account statement. I need all the money I can raise to do this business. Please, do ask PayPal to pay my refund immediately. If they delay, I will ask for more compensation. Also, I have tried to communicate this issue with PayPal, but they always reply to their message centre where they have deliberately designed so that I will not be able to read the whole message. I asked that PayPal should henceforth send messages to my email, but they will not comply. How am I going to read the messages? Please, ask that PayPal should comply and send messages to my email.
Product: Credit reporting or other personal consumer reports

This is my second notice asking the following credit bureaus XXXX, XXXX and Equifax to remove, XXXXXXXX XXXX XXXX XXXX account XXXX XXXXXXXX  XXXX from my consumers report, this payment is being reported twice within another XXXX XXXX account XXXX dated the same year and month, I was never late on this XXXX account. This is against FCRA to have two of the same payment reporting on two different accounts I have never been late. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER gave you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted or late payments must be deleted immediately or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission.
Product: Debt collection

I wrote a settement letter cerfied with return receipt and it was received and sign by someone from their office. I havent receive no phone calls are respond to settle the account with Portfolio Collections.
Product: Student loan

My 4 loans with Navient went out of forbearance. I had never had a forbearance only last a month and they didn't inform me it was over. However on my credit report it goes from current to a 90 late and 2 concurrent 120 day lates in XXXX XX/XX/XXXX. It goes from current to 120 days late in XXXX and XXXX In XXXX.
Product: Debt collection

I HAVE BEEN SENT A LETTER IN THE MAIL FOR A DEBT of {$38.00} IN WHICH I DO NOT OWE
Product: Debt collection

Navient is trying to collect a private student loan that should be discharged. There was a lawsuit that I should have qualified for but didnt. This loan is for a for profit closed school. The loan is predatory. I had an approved borrower defense application from the federal government about this same school and the loans were discharged. These should be as well regardless of the type of loan. This company is a legal loan shark and should be put out of business. I also have asked them more than once to only contact me by email and only me and they have called relatives and my job. Once again these are predatory loans meant to keep you in debt and they need to be discharged now.
Product: Debt collection

Dear jp morgan XX/XX/XXXX  Per the FCRA as a federally protected consumer and for The code for " Paid as Agreed '' on the CFPB ( Consumer Financial Protection Bureau ) is AP. 
This code is used to indicate that the consumer has made all payments as agreed upon in the loan or credit agreement, and there are no payment issues or disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

1. UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE DELETE LATE PAYMENT AND DEROGATORY REMARKS. THIS IS PAID PLEASE UPDATE THIS ACCOUNT TO POSITIVE AND MAKE ALL information reporting is accurate as required by FCRA 623 ( a ) ( 2 ) ( B ) 2. You are in VIOLATION of the 15 USC 1666B. This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE LATE PAYMENT AND DEROGATORY REMARKS. THIS IS PAID PLEASE UPDATE THIS ACCOUNT TO POSITIVE AND MAKE ALL information reporting is accurate as required by FCRA 623 ( a ) ( 2 ) ( B ) As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX  and Federal Trade Commission ). 

Sincerely yours, XXXX XXXX
Product: Credit reporting or other personal consumer reports

If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease furthercommunication with the consumer.
Product: Checking or savings account

They stated my account was under fraud but all I did was dispute transactions I had no knowledge of. I didnt know no XXXX XXXX on my cash app and they closed my account stating fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for over a year, nearly 2 to prove to all three credit bureau 's the information that XXXX continues to report is not accurate. Not only is it not accurate but according to the cares act during COVID the reports should not have even been made. Additionally, I have submitted at least 2 documents to confirm 2 or the 5 late payments reports are not true. I was given an arrangement with XXXX and they lied. I was told in XXXX that if I agreed to a payment arrangement and due to the cares act, missed payments would not be reported. It was not intentional at no time and did not happen. 

This is on going inaccuracies are affecting my life, my credit, and my family. Please someone needs to investigate and have XXXX fix it immediately.
Product: Credit card

On XX/XX/XXXX, I received a notification specifying that my card was being fraudulently used and that they had made a Best Buy transaction for the amount of {$140.00} in the XXXX XXXX, another transaction on XXXX for an estimated amount of {$10.00}, and the other transaction on XXXX XXXX for a total of {$32.00} in the state of XXXX. I immediately contacted CITI Bank to report my card for fraud. Since I live in the XXXX XXXX XXXX  and at that time I was in XXXX They were able to see the transactions and were able to stop and delete the Best Buy transactions of {$140.00} and the XXXX XXXX of approximately {$10.00} but the transaction they were unable to stop was the XXXX XXXX XXXX for a total of {$32.00}. They told me not to worry and they were going to open an investigation. and that it would take time. On XX/XX/XXXX, I received the investigation report from CITI Bank which specified that I owed the amount of {$32.00} from XXXX XXXX in XXXX since it was the transaction that they could not stop. At the end of XX/XX/XXXX, I contacted CITI Bank and they told me not to worry, that they were taking time, that I should give them XXXX weeks. I contacted CITI Bank again in XX/XX/XXXX and they were still investigating. I called in XX/XX/XXXX and told them not to worry, and then I received a call from XXXX from the collection department for not making the payment for the amount of {$32.00} from XXXX XXXX in XXXX. That was when I decided that I had to report it to the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to call all credit bureaus to delete fraudulent info from credit reports. I was advise to report here to submit proof as a supporting document.
Product: Credit reporting or other personal consumer reports

In XXXX and XXXX of XXXX I was unable to make my student loans payments due to saving the expenses for XXXX XXXX of the previous environment for XXXX XXXX. Sallie Mae recorded XXXX missed payments but on my credit report it does reflect XXXX and XXXX 's missed payments for all XXXX loans I have with them. Even though I have XXXX loans, I was making a single consolidated payment ( {$490.00}, then {$490.00}, and last {$310.00} ) for all them due to repayment plan before going back to school and the deferment kicked in. I wrote a letter to them about removing the XXXX missed payments because I'm in deferment, a clean slate ; but after reaching out to Sallie Mae, they refused to correct this reporting, citing the Fair Credit Reporting Act ( FCRA ). However, their reporting does not align with the actual number of payments made and missed because they are prohibited from changing delinquency information that was already reported accurately and feel their information is correct. I don't know where the XXXX missed payments came from out of those XXXX XXXX missed when everything was XXXX payment for all XXXX loans, should at least be XXXX. I'm fine with having XXXX missed payments but XXXX is outrageous. XXXX loan- missed both months, XXXX loan- missed both months, XXXX loan-missed XXXX month ( XXXX ), XXXX loan-missed XXXX month ( XXXX ), and the XXXX loan-missed ( XXXX ), it doesn't make sense. I am calling for unfair practices please. Instead of keeping all XXXX on my report, XXXX missed payments need to stay on there. Also based on my transaction history it says I did make payments in XXXX, XXXX, and XXXX of XXXX that contradicts the missed payments that Sallie Mae reported on my credit. This means there are multiple issues with how they've handled account and reporting. They were mishandling how my payments were being allocated across my loan accounts.
Product: Debt collection

I've made several attempts to resolve this with company but was ignored. I asked them to send proof that the debt was mine, which is impossible because I was out of the country when the claimed purchases occurred, which means there was no way for me to make those claimed purchases. They did not send proof, anything with my signature on it, nor did they send any original copies of the checks they claimed that I wrote. At this point it's impeding on my life and I'm fully prepared to go to court for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2018, I settled for payment in full on a credit card that went into collections. The company in charge of collecting the payment is Hart Haytand Landeau. They have been slandering my credit every month. They continue to report a new charge off every month - even though I make the agreed upon payment on time. They are not reporting that the account was settled to the credit bureaus. I can not secure any new loans or employment because of their erroneous reporting. I believe they are trying to bully me into paying the amount in full in order to restore my credit and my life. This has significantly impacted my emotional and financial well being. Ive tried calling them multiple times only to be placed on hold for e tended periods of time. I believe this is a t tic they are using with other consumers also.
Product: Debt collection

This collection agency Southwest Recovery Services put a negative entry on my credit report and violated the law in XXXX XXXX XXXX- Statue of limitation ( XXXX  years ) and XXXX attempting to collect a debt that is not mine. I will be filing a legal action against both the original Creditor ( who failed to properly identify the person who used my identity and Southwest Recovery Services for their violation to the XXXX and Lack of understanding to interpretation of the law referenced above and causing me harm by lowering my XXXX credit score by XXXX XXXX I have never missed a bill in my life and in fact before they are due. Southwest Recovery and as a XXXX  party has no rights by any means to cause me all this and they will be the main party in my legal action due to the fact I have notified them when they sent me an email in an attempt to collect this debt. I advised them that this debt was not mine to begin with. This debt was in relation to a business in which I had no affiliation with and did not even live in the state in which this debt occurred. I have filed the appropriate reports with authorities and provided such to Southwest Recovery Services. 

This needs to immediately be removed from my file
Product: Credit card

XXXX : XX/XX/year> XXXX  : XX/XX/year> XXXX : XX/XX/year> All hard inquires hit my credit on XX/XX/year>. I reported the fraud to Transunion, XXXX, and XXXX XX/XX/year>. I was told to contact the three companies to request letters of deletion and file a claim on CFPB. 
None of these hard inquires from XXXX, XXXX, or XXXX were initiated by myself. I am currently waiting to receive the letters of deletion
Product: Credit reporting or other personal consumer reports

on XX/XX/year> my account with Kickoff lending was paid in full and now has a XXXX balance. There are payments on my credit report 90 days late that have been disputed. The company is refusing to remove the late payments.
Product: Checking or savings account

Regions Bank, at their XXXX XXXX branch in XXXX AL. This started on the date of XX/XX/XXXX. 
Their ATM outside their building facing the XXXX malfunctioned and when I was making a deposit for the amount of {$600.00}, it came up with an error through the transaction and gave back a {$1.00}. The dollar got stuck in the machine and the ATM malfunctioned and gave me an error, took all of my cash and gave no receipt. 
I went the the branch the next day, and filed a dispute. They gave a credit of the {$600.00} back, and said they had to wait for the trucks to collect the money in the machine. Theyve mentioned the trucks come every week. And fast forward to XX/XX/XXXX when they took back the credit theyve gave me. And said my deposit was only {$180.00}. So I had to pay back {$420.00}! I filed another deposit and it was instantly denied. The XXXX XXXX inside the branch could not help me, due to him apparently not having access to the machine. I sold a computer on the XXXX in the parking lot across the branch, and I have messages to prove I met someone in the parking lot to prove it was indeed the {$600.00}. I requested them to check the security cameras and they denied my request, due to the fact they claimed it would not help my case. I told XXXX that you can tell the difference between a stack of {$20.00} in the form of {$600.00} vs the stack of {$20.00} in the form of {$180.00}. Because it would be a bigger stack. They still claimed they couldnt check the cameras unless i had law enforcement. They also claimed if I had a receipt it would be a different case. But their machine did not provide one. The same thing that happened to me, happened to my mother this month as in XXXX. The stopped providing responses. I have all the proof they want but they wont take it. I just wanted them to check the cameras and see that I indeed had a stack of {$20.00} in the form of {$600.00}.
Product: Mortgage

Caliber Home Loans charged excessive fees when i refinanced the loan. After a painful and long waiting resolution for the arrears i was able to cure the default and pay the loan with another loan. I do not quite understand what they charged in the escrow balance. I do not have a break down of the charges and fees or an explanation. In addition Caliber Home Loans sent XXXX different pay off to escrow .I signed documents in escrow based on the pay off for XXXX XXXX and on XXXX XXXX Caliber Home loans faxed another pay off to escrow .I signed escrow and Title documents based on the XXXX XXXX pay off .I am still waiting for an explanation. It is not clear they pay the property taxes twice or what they charge in the escrow balance. I need a break down of the charges and fees in the escrow balance.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT On XX/XX/year> I Wrote to Transunion in regards to inquiries, it has been over 30 days since I wrote to them with no response. This is a violation o

f 15 usc 1681i ( a ). " Subject to subsection ( f ) and except as provided in subsection ( g ), 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 in accordance with paragraph ( 5 ), 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. '' I have not given written consent for you to place any information on my credit profile ( 15 USC 1681b2 ). You lack any permissible purpose to share my private or personal information with third parties. Your actions constitute Aggravated Identity Theft under 18 U.S.C. 1028A, as you have knowingly transferred, possessed, or used a means of identification of me without lawful authority, which is a felony punishable by up to XXXX  years of imprisonment, in addition to civil liability. 

Delete the following account from your records : - Account Name ( s ) : XXXX XXXX, XXXX XXXX Failure to respond satisfactorily by deleting the above-referenced account and sending a free copy of my report after the changes have been made will result in legal actions against your company. I will also seek {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act ( 15 USC 1692g ) violations 4. Fair Credit Reporting Act ( 15 USC 1681 ) violations for willful noncompliance ( 15 U.S.C. 1681n ) Thank you
Product: Credit card or prepaid card

On XX/XX/2021 at XXXX ( according to my bank statement ) I withdrew some cash with my Citibank debit card at an ATM on a busy street in XXXX , XXXX . Then I went on about my day being a tourist. On XX/XX/2021, I noticed I no longer had either my Citibank debit card or my XXXX XXXX credit card. I instantly reviewed my accounts and noticed that there were charges on both cards that I did not make and several cash withdrawals on my Citibank debit card. I called both companies on XX/XX/XXXX reporting the charges as fraud. XXXX XXXX credited all the charges back to my account with no issue. However, Citibank are refusing to credit my account for some charges even after approving crediting my account the cash withdrawals that happened on XX/XX/XXXX even before the merchant charges that happened on XX/XX/2021. They are refusing to credit back my account for {$2500.00} that happened on XXXX XXXX at XXXX, {$1200.00} on XX/XX/XXXX at XXXX, {$1000.00} on XXXX XXXX at XXXX, {$11.00} on XX/XX/XXXX at XXXX, {$11.00} on XX/XX/XXXX at XXXX, {$4.00} on XX/XX/XXXX at XXXX and also all the foreign transaction for charges ( {$75.00}, {$37.00}, {$31.00}, {$0.00}, {$0.00} ) which I did not make any of these charges. These merchant charges were all made on XX/XX/XXXX after the cash withdrawals. I have appealed their decision three times now, but they have not given me any substantial reason why. I even told them that I have a witness that will confirm that I did not even leave the XXXX all day on XX/XX/2021. The latest case # I had open was XXXX and they have could not resolve the dispute in my favor. I have been a customer for over 10 years and never had any issues with my account, but now I can not get my money back for fraudulent charges that I did not make.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed an inquiry on credit report that did not belong to me. Filed a dispute on XX/XX/20 with bureau as inquiry from fraud. Bureau responded on XX/XX/20 stating inquiry was a factual record of access and to contact creditor. Contacted creditor and they stated they did not have an application on file for me and that the bureau usually sends over the dispute to them so that they can open investigation to verify accuracy but they never received such information. Creditor advised to contact bureau again and dispute again as they have no idea where the inquiry came from and could not open investigation on their end without evidence to open.
Product: Debt collection

I am having issues with the same company again in my previous complaint. Case # XXXX. They are calling again using a new number. They have reached out to my family and harassed them. I tried to call that number back, and no one answered. I want to communicate with them only via mail. I do not permit them to call me or any of my contacts. They are threatening to contact my manager at work, which is considered harassment. My next step will be legal if it continues. This is the second complaint from this company, and they are ignoring my request.