23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of XXXX XXXX. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 XXXX XXXX
Product: Checking or savings account

I am writing to formally express in my concerns regarding NFCU. Although I still have this account for my son in light of the CFPB lawsuit highlighting significant issues in their banking business. Despite using NFCU and reporting discrepancies my financial institution would charge me an overdraft fee when I had money in my account and then all of sudden my money wouldnt be available. NFCU failed to investigate my claims adequately. Therefore left the company and went with XXXX.
Product: Checking or savings account

I am a mother of XXXX boys and a widow these past few days has been so upsetting due to the fact that Chime has suspended my account and will not give me my funds I have sent over 200 emails with all of my personal information and they keep requesting the same thing over and over I have been reading up on Chime and I see theres an open investigation with them because theres others complaining how there accounts are being suspended and they never get there money I have saved documentation on everything that was requested all the emails and call logs it really broke me down yesterday when I had to withdraw from my class because I cant make payment for my class and pay for my books I stated that and I heard agents in the back laughing while Im crying because my education has come to a hold they keep asking for my XXXX tax return and I keep stating in every email request that I have not done my XXXX Taxes yet that I am just now doing my XXXX Tax refund because my husband passed that year and I was grieving I submitted my XXXX transcript that I received from the IRS that shows and support my money that was deposited into my Chime account last Friday I have spoken to supervisors and they have looked at all of my paperwork and agreed that I have done and submitted everything that was needed and they dont understand why they are doing this they keep requesting my XXXX tax refund information and I keep telling them thats not for XXXX thats for XXXX that I just filed this year my XXXX I submitted my 1040 my transcripts and other documents from the irs I have also submitted my identity as in id card my social security card and they still dont want to give me my money so i called and wanted to get an update and this lady tells me there not going to give me my money that was deposited until I do my XXXX taxes and Im like Ive submitted everything g to hat was needed to show where my money came from for my XXXX tax return that was deposited last Friday please help me its like Chime representatives do not care and actually do take people hard earned money I had to withdraw from XXXX school until Im able to pay for fees and books I have kids y to hat I cant provide for I never thought they would do this I have all my documents emails phone logs and more of what and how they been handling this situation which is not right at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account from XXXX XXXX on behalf of XXXX appearing on my XXXX and Experian credit accounts. I live in a complex where my cable is included in my cable bill, through XXXX in the amount of {$99.00}, and is paid monthly with my rent. I do not have an outstanding bill with this company. This inaccurate information needs to be removed from my consumer file as this is not my debt. I still currently live in this complex which means that my XXXX bill has always been paid on time as it is not even billed directly to me and must be paid rent or my rent would be delinquent.
Product: Payday loan, title loan, or personal loan

I opened a loan with One Main Financial. I had one insufficient funds fee about 2 years ago. When I called to pay the fee the loan officer told me not to worry about it and to keep making payments. I was almost done paying my loan when I couldnt make my last 2 payments in XX/XX/XXXX. I spoke to several people including XXXX about not having money due to being laid off and unemployment not processing my payments. They were rude and called me almost every day at different times of day harassing me for payment. I was finally able to pay my last installment in XX/XX/XXXX. I thought I was done. Then I received a call from One Main that I had to pay the insufficient funds fee ( I had forgotten ) but I also had to pay interest on that fee. I asked for an explanation as to why I was charged the fee but the guy on the phone just said I had to pay it. I paid it so I wouldnt get called every single day.
Product: Credit card or prepaid card

I have a Citibank credit card and had a balance of {$21.00} for XX/XX/XXXX. I had {$1.00} in cash rewards at that time. My payment is for the XXXX of each month and I make/schedule payments days in advance. I redeemed the {$1.00} cash rewards online and Citibank 's system said that I had a balance of {$20.00} remaining, so I scheduled a payment for this balance. According to online transaction, the {$1.00} cash rewards was posted on XX/XX/XXXX and {$20.00} was posted on XXXX. On XX/XX/XXXX I used my Citibank credit card and was DECLINED for the purchase. I called Citi and found out that {$1.00} was the remaining balance. Furthermore, Citibank posted a late payment fee of {$21.00}. I paid in FULL on XXXX by using the {$1.00} cash rewards and {$20.00} from my other bank account all BY XXXX, YET, Citi claims thatI didn't pay {$1.00}, DEACTIVATED my credit card, and charged a late fee of {$21.00}. 

In my opinion, Citibank is practicing ILLEGAL and FRAUDULENT business practices through their financial systems : stating that I could use my cash rewards to my statement balance, stating that I had a " lower '' balance due after I cashed in my rewards XXXX CHARGING A LATE FEE when I did pay my balance in FULL, and DEACTIVATING my credit card for the {$1.00} that Citibank had stated was applied to my statement balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why are these accounts showing up on my credit report when they are not mine i do not owe money to this company because i do not have an account with them so remove it 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX  ) XXXX, XXXX ( Original Creditor : XXXX  ) XXXX, XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I contacted Chime about a refund I was supposed to receive from a company. I have several emails from said company stating I was due this refund. When it didnt come on XX/XX/XXXX, I called Chime to issue a chargeback on this because I absolutely needed the money back that day. 

XXXX XXXX XXXX, and that was the last day I was able to buy supplies for my biggest signing of the year. I provided Chime emails from the company stating I was due the refund. Not an hour after I sent it, I was informed by Chime that the proof I submitted wasnt good enough. I was now unable to attend my biggest signing, buy books and supplies for said signing, and am now out over {$1000.00} in lost income. I dont know who determines the outcome of this, but I also received an email saying that while I was not refunded initially, I should have been on XX/XX/XXXX, causing the lost income. 

On XX/XX/XXXX, while having an active spotme feature, I deposited XXXX into my account. Due to a system error admitted by Chime, the money I deposited became unavailable for me to use. I have had several supervisors admit this was a fault on chimes part, but no one wants to refund my money. I would like this money back that everyone admits is mine, but wont refund to me.
Product: Debt collection

I was XXXX years of age my mother and cousin used my name to apply for XXXX a a kiosk, they did n't pay for the service and I returned the boxes after service was disconnected after I was charged
Product: Credit card or prepaid card

Navy federal Is refusing to assist me with my dispute I left my purchase in the fitting room when I realized I dont have my purchase I immediately went back to the fitting room and terribly it was gone now I am pay and making payment for a purchase I dont have
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS NOT EVEN IN THE COUNTRY AT THE TIME OF THIS TRANSACTION THERE WAS A PRIVATE STUDENT LOAN PUT IN MY NAME FRAUDULENTLY BY A COMPANY IN LOUISIANA INWHICH I NEVER LIVED THE ACCOUNT NUMBER IS XXXX AND THE AMOUNT IS {$12000.00} THE NAME OF THE ACCOUNT is XXXX XXXX XXXX IT DOES NOT BELONG TO ME AND SHOULD BE REMOVED FROM MY CONSUMER CREDIT PROFILE IMMEDIATELY IT IS IN VIOLATION OF FCRA CODES SECTIONS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 ALL UNAUTHORIZED CREDIT PULLS
Product: Debt collection

I received a message on my work phone from a XXXX XXXX. She did not identify the name of the company of provide any details about her call except to say that it was my last chance to contact her and make arrangements before legal action would be taken and it would permanently affect my record. I see that they called my work phone on XXXX, XXXX on my work phone on XXXX and stated last chance to call them and have the process rescinded was XXXX/XXXX/16. 

From XXXX XXXX, I see that they also use the following phone numbers to collect and I have been contacted by these numbers also : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple errors on my credit report. I have been trying to fix these errors for months. These things have been re-inserted multiple times onto my account. Not only is it incorrect and erroneous however it is not permitted that derogatory items be re-inserted once they are taken off. The account of XXXX XXXX  was never late I have sent in sufficient proof showing evidence of this. I have sent how the item looks in other credit reports multiple times and this issue still has not been fixed on Trans Union. I also have a late payment showing on XXXX XXXX  self lender in which the payment was not late and the company said that they can XXXX remove it I have also tried to dispute this and have not been able to take it off. The account shows incorrect information such as name, amount owed, balance, etc. We also have some closed accounts with late payments these payments occurred during the pandemic. The accounts XXXX finance and XXXX consumer are incorrect and erroneous they do not have my valid information they have incorrect account information and derogatory items should be taken off. Last payment date in incorrect and monthly payment is incorrect. XXXX and XXXX negative items were also reinserted after being taken off. I have a loan from XXXX XXXX financial that was taken off from my report. When I call the credit bureaus they tell me to call my creditor but when I call the financier they said i I have to call my credit bureaus. Its an entire run around. I also have a loan from snap finance paid in full and would like to add to my report.
Product: Bank account or service

Bank of America pushes people/me to go paperless for statements ... I read on their site that I will get check images in my statements for no charge going back 36 months ... then I do n't see the check images in my statements.. now they want to charge me {$3.00} PER check image that are older then 10 months. See here : https XXXX " FAQs : Bank Account Statements : Online Statements hide Can I view my statements with check images online? 
Yes, your statements with check images are available online. That means you can view, print, and download up to 36 months of your statements online at any time. When you go paperless with our online statements service, we provide check images as part of your statement at no charge and you receive your statements online instead of in the mail. 
If you are an Online Banking customer, Go Paperless Now ''
Product: Credit card

I have a Chase Visa account which Chase just canceled for no reason, this is what the customer service supervisor XXXX told me when i tried to get an answer. Why is it that an account that was with no balance and monthly payments on time, can just be cancelled for no reason. The Chase customer service supervisor said it was because they felt like it. i realize that in the fine print they can do what ever they want, but it 's ridiculous that an account which is in Excellent standing be cancelled for no reason. This is not right.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress of these transactions.
Product: Credit card or prepaid card

I had a American Express platinum and the company got my information illegally with my social security.We are receiving promotional applications like 5 days a week me and my wife told the company stop sending the pre-approval letters they still keep sending the them.I called multiple times they keep being unprofessional.I believe this is a data breach .Because retrieved the information from my social security number.I spoke to a rep on the phone going back and she they can not stop sending the marketing material.I am in a community property state so if I am asking stop sending to stop material it means stop.Reps were being unprofessional kept hanging up the phone and transferring to different departments not getting things resolved.
Product: Debt collection

Recently the debt collection agency AR Resources reported a collect account in the amount of {$1400.00} to major credit reporting agencies claiming I owed for a past due balance. Prior to doing so no letter of notification or debt collection practices as outlined by the FDCPA were followed. Upon learning of the collection account through a credit monitoring service I contacted AR Resources in writing to dispute the debt, ask for validation of the debt and explain that I had not received a letter previously explaining the debt which would have allowed me to dispute the debt. In return I was sent an unsigned copy of an invoice, despite requesting proof of an original letter of intent to collect the debt and no verification of the debt of any sort. 

As such AR Resources continues to report negatively impacting information to my credit profile. When contacting AR Resources via the phone in XX/XX/2020 I was informed that they do not have any documents establishing privity between their organization and the original medical facility and myself, also no signed agreements between myself and the original creditor. They referred me to the original creditor who states that since the account is in collections I must speak directly to AR Resources. As of XX/XX/20 AR Resources has not validated the debt as requested.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX XXXX and account number:XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This accounts is not mine and inquires as well please remove them. Its a fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

1. when I reported fraud on my card in XX/XX/2019, XXXX  still charge late pay fee. 
2. XXXX admitted the fraud on my account and credited back {$4700.00} on XX/XX/2019, but they rejected to correct the statement to credit bureau to change my credit score. and it passed 4 month and credit report still shows old debts : {$10000.00} debts not {$6200.00} 3. {$6200.00} is the transaction more than 90 days from the fraud report
Product: Debt collection

On XX/XX/2020 I mailed a second letter requesting that my debt with the company above be validated. I have no knowledge of this debt.The creditor provided me the attached information. They have refused to provide me an agreement between them and their client that identifies that they have the authority to collect this alleged debt or proof of acquisition by purchase or assignment of alleged debt. They have not provided an agreement that bears my signature wherein I agreed to pay the health care provider along with the required HIPAA authorization. 

The attached has information that is a VIOLATION of HIPAA because i have never given SIGNED authorization to Transfinancial Companies to gain access to my health records. The attached includes diagnosis codes and procedure codes that is a direct violation of my HIPAA rights.
Product: Debt collection

I have told this company on several occasions I do not owe this debt and it was paid. They are not the rightful owners. I never received anything regarding this matter until 7 years later when it showed up on my credit. The company keeps going in circle when I tell them to show me proof I owe this debt. The original owner have sold this account to several different third parties but no XXXX can show proof the own this debt and sign any agreement to owing this debt. The company is a fraud and have had several lawsuit against them because of this.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To whom it may concern : I need your professional assistance. 

I am finding that no matter how much Present Positive credit information the credit bureaus should be reporting to my credit files monthly, they have refused to update my credit files with this information, and they are not raising my credit score accordingly. 

Instead, they are allowing old creditors that I have had nothing to do with for 5 years, the bureaus are allowing these old creditors to destroy and slander my name, and Present credit rating, by going along with them and falsely placing untruthful derogatory old account information onto my credit files. 

The bureaus are unjustly keeping my credit scores low, and they have caused my Present Creditors to lower my credit limits, due to the fraudulent false lies that they are reporting to my credit files, by RE-AGING, old False Derogatory, Negative Payment, and Account Status information from the old 5-year-old accounts. 

The credit bureaus have old XXXX accounts, being made to appear as if I have Brand New Collections, and Brand New Charge off accounts, as well as Past due payments, AND NONE OF THIS IS TRUE. 

For years I have had to go through this, every year like clockwork the credit bureaus continue to do this, just as they have already done for the beginning of this year XXXX. 

My credit files and credit scores have been further ruined by the wrongful false fraudulent RE-AGED DEBTS, AND ACCOUNTS that the credit bureaus continue to update as though they are new. 

This has happened so much, and for so long, that it is so obvious that this is being done deliberately. 
And this is why I am seeking your assistance, I have an excellent payment record, and the credit bureaus are deliberately not reporting my accurate credit rating information, and as stated they are deliberately keeping my credit scores in the low XXXX, thereby keeping me from conducting financial transactions that I should be free to make, like any other consumer. 

Every month I pay a mortgage, and other debts, and it is only fair that my credit reports reflect the true history of my payments. 

Not the made up lies that are being reported to keep me down. 

I would like to have someone at the credit bureaus in an upper managerial position to investigate the abuses that have been continually being done to my credit files.
Product: Checking or savings account

On XX/XX/XXXX I deposited accidentally to my Bank of America account a check from my XXXX account for XXXX dollars. The XXXX account was closed recently before this transaction. After deposit the check on the atm I made a cash withdraw for the same XXXX. I just simply had messed up. But, when I realized that the XXXX check didnt clear and I was negative in the Bank of America account, immediately I made a deposit in cash to bring the balance back to positive. 
But- they closed my account and report me to check systems for fraud not able to open another for 5 years. If a moment of not thinking cost me this situation Im in, how about those banks which American citizens had to bailout their debt in XX/XX/XXXX? What I should had done?
Product: Mortgage

Selene Financial debited {$3600.00} on XX/XX/XXXX as part of auto payment for mortgage. On XX/XX/XXXX, the payment was reversed but I never received the money back. I checked with my bank and there is no trace of them trying to send the money back. Now I am a month behind according to their records. I do not want to pay until this money is accounted for.