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

XX/XX/year> RE : I HAVE BEEN CHEATED AND ROBBED BY CHIME Dear Consumer Financial Protection Bureau ( CFPB ), I have been cheated and robbed by Chime. Please review Attachment XXXX, which is a response from Chime to my original complaint. The response confirms that I have met all the necessary requirements to be eligible for a sign-up bonus from XXXX and was advised to wait XXXX  days for the bonus to post and be available. 

As directed, Ive been waiting for the XXXX mark. On XX/XX/year>, I received an email from Chime advising that my checking account is closed ( Attachment XXXX ). I did not request the closure and did not do anything illegal to necessitate this. 

I just spoke with a customer service representative from Chime who confirmed that the checking account has been closed, the {$5.00} I had in the account will not be refunded, and the bonus will not be paid out by XXXX. The representative refused to provide any additional information and/or clarification after I asked numerous questions. 

It is unfortunate that Chime continues to lie to, cheat, and apparently now XXXX their customers. I intend to file a complaint with the XXXX XXXX XXXX XXXX XXXX  ) but am sincerely hoping your agency can help me to resolve this matter. 

In summary, I am requesting that : Chime contact XXXX and advise to issue the XXXX XXXX  I am eligible for, and Give me my $ XXXX back which was in my account when Chime decided to XXXX me, and Provide me with {$500.00} as XXXX for the hours Ive spent trying to resolve this matter due to the negligence of their untrained staff and deceptive business practices. 

I am hoping your organization can help me. 


Thank you, XXXX XXXX
Product: Credit card or prepaid card

Dear CCB/CHILDRENS PLACE ; I was shocked when I reviewed my credit report and found late payments on the dates below : IN 2022. 



I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly COVID-19, and being XXXX with XXXX, XXXX XXXX XXXX XXXX XXXX  lately, and loss of XXXX, etc. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I requested a method of validation on XX/XX/2023. The collection agency has yet to respond correctly. I am requesting a deletion of these accounts from my consumer file. They are reporting " Unverified/inaccurate information '' which is a violation of Section 623 ( a ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA.
Product: Credit card or prepaid card

On XX/XX/2020 at approximately XXXX at XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX indiana XXXXI used thier XXXX  atm machine terminal # XXXX. 
I put my card into the mechine and requested {$400.00} asked me if I accept the {$3.00} terminal fee and I said yes.

The atm then approved the transaction at this time I put my card in my wallet and drop my phone on the floor havent tooken the money out the atm machine yet .At as I go to get the money the atm door shuts and takes the money and it goes back into the machine .I put my card back into the atm and tried to make another transaction to see if my money got stuck or what was goin on and it declined my transaction this time and saying I only had a Ballance of {$2.00}.

I requested to talk to store manager and she told me I have to contact the number on the atm ( XXXX ) I contacted XXXX  and they  told me the atm machine has a security feature that I'f you don't take the money out withen 10 seconds it goes back in .XXXX  also stated that the money did go back in and I did not receive it and I have to file a dispute with my bank or card company.

I have called the XXXX number XXXX and also the web sight. 
I have tried to call 13 times .watch time I call I am on the phone for over 2 and half hours and every time I get hung up on after waiting 2 to 3 hours on hold and never getting a response .I have lost my job due to not being able to pay my child 's daycare because the {$400.00} was taken from me. 
Please help..
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. OR any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 15 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. I would like for you to mail me physical proof of your actions and my updated credit report. These allegations appear to be inaccurate. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form 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 XXXXXXXX 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 Summary of Public Records being challenged in list form XXXX XXXX Bankruptcy ( XXXX ) - ( XXXX ) Discharged Personal Information for TransUnion NAME : XXXX accurate information about me. My only name is XXXX XXXX XXXX. 
CURRENT ADDRESS : XXXX, XXXX The only reside at XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX any address you have in your system that does not match XXXXXXXX XXXX XXXX XXXX XXXX XXXX MN XXXX
Product: Credit card or prepaid card

My credit cards ending in XXXX and XXXX were closed. I did not authorize these account closures and did not have any unpaid balances or other reasons to close these accounts. This has damaged my credit as they are long standing accounts and they were paid on time.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Follow-Up on Disputed Late Payment and Request for Investigation Process Explanation Dear CFPB, This letter serves as a follow-up regarding my previous dispute concerning inaccuracies on my credit report related to the XXXX  account. The reported late payment remains unresolved and now contains further discrepancies. I am requesting an immediate reinvestigation and a detailed explanation of the process your agency used to verify the accuracy of the information. 
Account Details : Creditor Name : XXXX  Account Number : XXXX High Balance : {$2900.00} Balance Owed : {$0.00} Credit Limit : {$0.00} Account Status : Closed Payment Status : Current Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Account Type : Unsecured Loan Term Length : 18 Months Discrepancies Identified : Late Payment Reported : Equifax has reported a 30-day late payment for XX/XX/XXXX. 
In my previous dispute, the late payment was reported for XX/XX/XXXX, not XX/XX/XXXX, as per your initial findings. 
Inconsistencies with Records : The reported late payment for XX/XX/XXXX contradicts the original reporting, which stated XX/XX/XXXX. 
My payment history and attached records confirm that all payments for this account were made on time. 
Impact on Accuracy : The shifting late payment date between disputes ( from XX/XX/XXXX to XX/XX/XXXX ) raises concerns about the accuracy and completeness of the investigation conducted. 
This inconsistency negatively affects the reliability of my credit report. 
Supporting Evidence : I have attached a screenshot of my credit report from the previous dispute showing the late payment reported for XX/XX/XXXX. This documentation, along with my payment records, clearly demonstrates that the reported late payment is inaccurate. 
Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports must not contain inaccurate or incomplete information. Furthermore, credit reporting agencies are obligated to conduct thorough investigations of disputed information and correct any inaccuracies as per 15 USC 1681i.

Requested Actions : Correction of Errors : Update the payment history for this account to reflect " Paid As Agreed, Never Late. '' Investigation Details : Provide a written explanation of the investigation process used to verify the accuracy of this account, including all steps taken and parties contacted. 
Proof of Late Payment : If the late payment for XX/XX/XXXX is accurate, provide verifiable documentation supporting this claim, including specific dates, amounts, and any communication records. 
Please address this dispute within the 30-day timeframe stipulated by the FCRA. Failure to correct the inaccuracies or provide a satisfactory explanation will be considered a violation of my rights under the FCRA. 
Thank you for your prompt attention to this matter. Please contact me should you require any additional information. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$8300.00}, XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$0.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1300.00}, FIRST XXXXXXXX XXXX XXXXXXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX  XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I attempted to deposit XXXX XXXX dollars into my Coinbase account. Then transaction went through and the money was removed from my bank account. After The money was added to my Coinbase account my account was then locked. I could not trade and I could not get the money out. Coinbase told me that my transaction failed and they used the money that was in my account to pay back the XXXX XXXX dollars they are claiming I never lost. So now the money is not in my bank account and They have absorbed it on their website. All my money is gone my account is still frozen and they wont do anything about it. Ive called them at least 10 times and sent email after email. All they keep saying is my account is locked. Well now there is no money In there and the money was never returned to my bank account. Ive done research online and it appears this has been an ongoing problem with this company. They are hundreds of people taking legal action to get their money back. I want my funds returned immediately. I have a XXXX  year old son I need to take care of and XXXX XXXX dollars is a lot of money to me. You can contact me via email at XXXX Thank you
Product: Credit card or prepaid card

XX/XX/XXXX my wife and I flew to XXXX XXXX on XXXX XXXX We each had small roll about with only clothes and toiletries and weighed 7 and 6 kg each At checking in I was charged {$17.00} for baggage that we carried onto plane in overhead Later, I read airline rules and we were each entitled to 7 kg for carryon to plane
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Student loan

It has been atrocious the customer service or lack thereof, because it is so hard to get someone from your office on the phone. I call every week, several times a week. Ive waited several hours the other day. Yet, you keep sending me messages about late payment. When in reality, if administratively you were doing the job that you are expected to do/supposed to do, I would not be in limbo about the status of my account. I didnt have the balance owed under IDR until late and do not recall notice in the mail. My former service provider was not like this. If you all do not have the infrastructure or capacity, you should have not opted to service these loans. I have also messaged several times about the status of the receipt of forms that have been sent you, two times, from my school for deferment. Well before the suspension was lifted. Mid-XXXX was the first time the form was sent to your office. We are practically in XXXX and you all have yet to process this form. I've contacted the college and they confirmed sending and sent another form. I am not able to make the payment right now until I finish this program. I should not have been up to pay, because my loans should be in deferment per the instructions and information provided. Please look, find, or follow-up regarding the status of my account. I understand that capacity may be stretched or employees may not have what is needed to meet the demand... well there must be other solutions or ways of business that you all need to consider. However, this is not fair and should not affect my credit score or other financial implications. I am totally off put by this and wish my loans stayed where they were.

Finally, the PSLF form, I don't think you all have followed through on the employee certifications. I am requesting to please provide some sort of communication on how to rectify or proceed, or provide a timeframe when you all think the status of my account will be updated and the best way you all need to receive the form. I can not electronically file, the instructions on the form, delineate that the college/university is to send to you. Which was sent to the mailing address provided! 

Please call me if you need to discuss further as it is difficult to contact you at all hours of the day.
Product: Bank account or service

On Friday, XXXX XXXX, 2015 the bank branch manager at PNC, XXXX claims she received a phone call requesting she fax our bank statments for the last three months to an institution. about a week later my nusband noticed a {$15.00} charge to our account and inquired as to why. He was told by the bank manager that she had a call on XXXX and that the " recognized my voice '' and faxed statements and charged us for photocopies. 
ISSUE : I never called the bank requesting this action. Neither XXXX of us were told about this or asked to come in and sign a release for our information to be faxed. We took our phone records at a later date to prove we did not do this. This did not matter to her. We went to the police department but they can not do anything. My husband was advised to leave this bank as our information could be anywhere and compromised. 
It is unlawful to fax bank accounts without the written permission/release by the account holder. There is no written release by me or my husband. We have since removed all the assests possible from PNC BANK in XXXX, NC and opened new accounts in another bank in town. We feel we were treated poorly by negligence on the part of the bank branch manager who took the bogus phone call and faxed our information without our knowledge. We need PNC to admit wrongdoing and return our money charged for photocopies.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accordance with Fair Credit Reporting act these accounts has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX  # XXXX Section 602 A. States I have the rights to privacy.

15 U.S.C. 1681 Section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquires and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and negatively affecting my financial standing
Product: Credit reporting or other personal consumer reports

Citi provided me with a denial letter for their XXXX XXXX XXXXXXXX ; however, I did not submit the application. The letter is dated XX/XX/year>. I did not find this fraudulent application until recently because the letter was mailed to an old address. I saw on my credit report Citi conducted a hard pull on XX/XX/year>. 

I called four phone numbers, as I was consistently being told I did not have the right department : XXXX XXXX XXXX XXXX The individual who answered the call kept trying to cancel my existing card. I was trying to explain a credit card application was submitted under my maiden name fraudulently and I need to dispute this. I provided the information on the letter, including the Application ID Number. After, he disconnected the call without confirming the dispute details. He never confirmed any details.
Product: Vehicle loan or lease

I went online on XX/XX/XXXX to schedule a payment to come out of my checking account via XXXX on XX/XX/XXXX. I received a confirmation email this same day, stating that I had successfully scheduled my payment. ( Please see the attachment ). On XX/XX/XXXX, I received an email stating that my payment had been suspended due to the status of my account. I had not received any other communication ( phone call, text, letter ) about the payment being suspended. I called Ally on XX/XX/XXXX and spoke with a representative about the email that I received and was told that by the representative that I had not received an email from them. I had to explain that I had gotten an email from them. I was then offered to speak with someone on the online team. I asked if I would be able to speak with a supervisor, since I was not getting the answer that I needed. I was told that I could not but a supervisor would give me a call back by XXXX EST. I received a missed call and when I called back I was told that since I missed the call I would have to wait for another call from a supervisor and it would be by XXXX. I did not get that call. I called on XX/XX/XXXX, and spoke with a lady that stated her name was " XXXX XXXX XXXX. '' I asked to speak with a supervisor and was asked what was going on. I gave her the details and she placed me on hold supposedly getting a supervisor. She thought she had the phone muted and I heard her talking about me and when I responded, she immediately muted the phone and placed me on hold. When she came back on the line she said that her supervisor stated that just because you make a payment on an account does not mean that it immediately comes out of your checking account. This was not what I was calling in reference to. My issue was knowing why the payment was rejected by Ally not anything concerning my bank. I feel as if I have been given the run around and what was a simple question that I need the answers to, has still not been explainhed
Product: Credit reporting or other personal consumer reports

am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 



Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXX Account XXXX Amount : {$0.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I filed disputes with the credit reporting agencies and every time they have failed to show me how they are investigating my disputes.
Product: Checking or savings account

STOP XXXX CONTACTING ME XXXX XXXX IN DAMAGES FOR THE EMAIL ON XXXX OF XXXX. 

NELNET, STOP COMMITING FRAUD AND LABELING THESE COMPLAINTS AS DUPLICATES. THEY ARE ABOUT SEPARATE COMMUNICATIONS AND ARE NOT DUPLICATES OF EACH OTHER. THEY RESULT IN SEPARATE AND ADDITIONAL DAMAGES.