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

On XX/XX/year>, My husband and I opened a Chime online bank accounts to use as individual spending accounts outside of our normal joint checking at XXXX XXXX XXXXXXXX. On XX/XX/year>, I added {$200.00} to my chime account using my XXXX XXXXXXXX XXXX debit card. I had transferred out XXXX from an XXXX XXXX serve account we had previously used for our individual spending. I also linked my XXXX XXXX XXXX checking account to my Chime account using XXXX service to link my account online. Once my account was linked, I schedule a ACH transfer for XXXX which was the remainder of the funds I transferred from my Serve account to the XXXX. 

I set up direct deposit with my Employer for my next paycheck which would have been on XX/XX/year> through my employers HR system. 

I also sent a test payment for {$1.00} to my husband to see what it looked like when we sent money to people through Chime and how difficult it was for people to redeem. 

At XXXX AM PDT on XX/XX/year>, both my husband and I received an email from chime saying they had decided to end their relationship with us. They did not mention what would happen with the funds that were in my account, which at this time was {$200.00}. My husband had not yet transferred any money into his account. 

I called Chime customer service and they said they could not tell me any additional information, but told me that they were " unable to offer me a refund '' for the money I had in the account. I have contact chime customer service two additional times to confirm. The second representative told me they were going to return my money within 30 days, but the third representative whom I spoke with today said they would not be returning my money. 

They did not want to hear any information and did not ask me any questions which might have been able to clear up whatever " wrongdoing '' they seem to think I have committed.
Product: Payday loan

I received a call at work on XXXX/XXXX/XXXX at approximately XXXX CST. The call was from a company called Premier Portfolio Group claiming that I owed a debt from XX/XX/XXXX. First, I did not recall the debt and was shocked to find out that I owed money to this company because I check my credit monthly. XXXX XXXX was the representative I spoke to initially. I started asking questions trying to validate that it was an actual company and not fraudulent. XXXX transferred me to XXXX. XXXX asked me how I could help her. I stated, I just need your business address to verify you are a legitimate company. XXXX stated it is not her company 's job to verify they are legitimate and I was to respond to the debt. I explained to her I do not recall the debt and if she could send me something that I could look at. She explained letters have already been sent and that I should have responded to them. I stated I did not recall receiving any letters from her company. She took down my email address and said she could send something now to my email address. I have not received paperwork at my email address. I asked her is n't she required to send written documentation after she has had contact with me. She said no and that if I do not response I will be taken to court and sued. I DONT EVEN KNOW WHAT THE DEBT IS??? She asked me if I am disputing or validating the debt. I explained to her I am doing nothing because I do not know what exactly the debt is and again asked for some kind of written documentation to be mailed to me. She said no, it has already been sent. She again asked if I was disputing the debt. I told her to do what she has to do, I am not disputing or acknowledging the debt, but will figure out what it is once I get the email. She said unfortunately, once she hangs up the phone it is final and can not be reverted. Huh?? I asked her to NEVER call me at work and gave her an alternative method to contact me via cellphone. 

Note : The company also stated they are collecting the debt plus XXXX for court fees. I have not went to court??? or been served! 

All I need is the company to provide details on the debt so I can figure out what is going on and make arrangements accordingly if it is legitimate. I do not appreciate being threatened with court if I do not respond the exact minute they call when I have no idea what the debt is. 

Please address this with the company, and I would still like to see what the documentation or debt is.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

My husband and I applied for a personal line on-line with Santander Bank XXXX The loan was somehow approved in my name alone and when we attempted to satisy the loan the bank refuse to accept a bona fide bank check for repayment of the debt. Numerous attempts to correct this situation went unanswered while interest charges continued to accrue. When the same bank check was mailed in -- it was lost by the bank -- found only when we sent a copy to them -- and no explananation was ever provided as to whya valid pay0ff check was not accepted nor wasit ever explained how ajointly applied for loan could end up ine the name of only one borrower. No application was ever sent to me.
Product: Credit card or prepaid card

I have two promotional transactions with the company. They required a fixed payment with each promotion. The promotion with the lower APR is XXXX XXXX. The promotion with the higher APR is XXXX XXXX 

Within the same billing cycle, I made two payments to equal the minimum payment of {$290.00}. 

I made a payment of {$140.00} on XX/XX/2023, however it was not put on the lower APR promotion. It was instead put on the higher one. I called and requested it to get moved to right one. I never happened. 

I then made my next payment of {$140.00} on XX/XX/2023. The company split this payment where only around {$70.00} got put on the lower APR, and the remainder got put on the higher APR. Thus, giving the higher APR promotion over {$200.00} ( way over the minimum required amount ) and giving the lower APR promotion only around {$70.00} ( way under the minimum required amount ). 


I've called multiple times requesting that they reallocate the funds so that both accounts get the right amount that is required under contract with CareCredit. Each time, I'm told it'll get fix in 72 hours. It never does. And I've received two letters saying they can't fix it. Which doesn't make sense, because I'm only asking them to apply the funds like it should have been applied in the first place. 

When I talk to the managers on the phone, including on XX/XX/2023 -- they are very rude and nonchalant about the fact that I am about to have undue hardship on me, my credit score, and my finances because of their error. 

Because of this error, I now have to make an additional payment on my lower APR promotion -- going beyond the 24 month contract that we agreed to. There's also provisions that I will be charged extra interest if I do not pay off that account in 24 months. When, CareCredit is the one that breached our contract. 

All I want is for them to fix the allocation, so I can finish paying off my account ( without added interest ) on time. The month of XXXX is supposed to be the last month that I am supposed to pay. Because of their error, I will now have to pay an additional payment of the lower APR in XXXX -- triggering extra fees and interest because of their accounting error.
Product: Student loan

I am filing a complaint against Navient because I am stuck in my tracks, and do not know where to turn to. I need to reduce my monthly private student loan payment of over {$700.00} due to financial hardship, and have gotten nowhere with the Navient customer service line. Over the course of the past few months I have placed many calls, and the only guidance I have received is to request a forbearance, as I am ineligible for deferment. I will not accept that the only solution to paying off my loans is to continue tacking on insurance payments to the principle amount ( {$90000.00} when combined with my public loans ). It would simply be financially negligent if I were to do so, and if Navient were to allow ( promote! ) this. I am XXXX years old, have no credit, have a low income with no way to pay off this gigantic debt in my lifetime - sound reminiscent of the 2008 housing bubble? It sure does to me. 

I have requested a payment that allows me to meet my other necessary living expenses - via multiple customer representative phone lines and email contacts - time and time again. I am always provided with the same response : Call the main phone number. Request a forbearance. 

I can not get a clear answer on what other options are available from Navient, while I have heard of many people accomplishing a lowered monthly payment through unknown avenues. 

I have sent paystubs, budget information, and bank statements seeking an alternative repayment plan, and have been circled back to the " solution '' of forbearance each and every time, ensuring that I will be adding to my debt in perpetuity, while barely meeting the minimum payments to avoid defaulting. 

I am not asking for loan forgiveness. What I am requesting is a common-sense approach to repayment : income-based payments, graduated payments, etc. Not forbearance. Not accruing interest endlessly. If my requests for a reduced payment plan is not granted, I will be at risk of default. 
I need Navient to reply with real, genuine information and help, rather than suggesting I try talks with a stiffly scripted customer service phone line or email address that will return me to square one. I 've dealt with this too many times thus far. 

Education is supposed to be the bedrock of the American Dream - something that is meant to establish a level playing field, where every young person can begin his/her professional life on equal footing. 
These private student loan companies have cast the field at a 90 degree angle, and those of us who were not privileged enough to find ourselves with college funds are grasping desperately onto the edge, running the risk of falling off the field completely. 

I am XXXX years old. I am already in a lifetime of debt, and Navient 's only solution is to add onto that.
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard inquiry was reported on my credit on XX/XX/XXXX of 2020 in which I did not apply for
Product: Debt collection

I owed a debt in the amount of {$32000.00} for an installment loan entered into by contract on XX/XX/2016. The loan was subsequently charged off. XXXX XXXX XXXX purchased the debt, which was recently posted to my credit report through XXXX XXXX. Prior to the posting, I was contacted by a collection agency regarding the debt. As a judgment regarding said debt had not been obtained against me in a court of law, I requested validaion. The debt collector could not provide me with a signed contract or any proof that I owed the debt. Subsequently, XXXX. XXXX, wrongfully and in reckless disregard of the facts, added a collection account to my credit report.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. 
Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following a recent review of my credit report at the XXXX, XXXX and XXXX consumer reporting agencies, I learned that American Express ( account number XXXX ) was reporting delinquent 30 days when this was not the case. In fact, the account should report paid as agreed with no delinquency whatsoever. 

I contacted the creditor and was advised that the account would be updated and any prior delinquencies would be removed as said delinquency was no fault of mine. To date, this - apparently - has not been done and my credit score has been severely impacted.

Please investigate my concerns and compel the creditor to correct my account with them. As an account holder since XX/XX/2008, I deserve more.
Product: Credit card

Today is XX/XX/year>. My name is XXXX XXXX and I only have XXXX XXXX & XXXX XXXX XXXX accounts along with credit cards associated with those XXXX banks. This morning {$210.00} was taken from my XXXX XXXX checking acct and used to payoff a Chase credit card that does NOT belong to me. Again, I have never had any Chase accounts nor credit lines nor mortgages nor car payments etc. Bottom line Chase took money from me without my authorization. Chase is JPM which is the largest bank in the US headed by XXXX XXXX and manages trillions in assets. I will make it the last thing I do to figure how and why this happened & how such a mistake was made so help me god. I am a middle class hard working individual and JPM/Chase will NOT get away with this!!!!!!!!!!!!!! 

Worst of all I called Chase an hour ago and spoke to many individuals of foreign nature whom all sounded like they were from XXXX etc. and they all told me there is nothing they can do to help me. I was once XXXX XXXX by a large financial institution and the worst mistake I made was not getting an atty. I wont make that mistake again!!!!!!!!!!!!
Product: Vehicle loan or lease

Exeter Finance has made incorrect reports on the status of my account to the credit bureaus on. On XX/XX/XXXX I received XXXX and XXXX notices that my Exeter account was reported delinquent, when that was incorrect as I set up autopay on my account in XXXX and it was in a current state then. I was notified that my EF account was incorrectly reported 30 days past due on XX/XX/XXXX, not only was it not past due, but the false report caused my credit score to drop by 100 pts, which is unreal. I have not had a missed or late payment on this account and it was very discouraging to have this reported incorrectly and affect my credit in such a way. 

I have not had such an experience with any other creditor and consider EF as a contributing factor in helping me to improve my credit over the years. Following the this incident, I just went ahead and paid off the {$13000.00} on the loan to be done with them altogether. I tried to file a dispute through the company, but the representatives kept giving me incorrect email addresses to sent my evidence to, all which bounced back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a 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 to be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XX/XX/year> I noticed unusual activity in my saving account, one that I only used for emergencies in college. There were Zelle transactions for {$400.00}, {$200.00}, and {$300.00} to an XXXX XXXX on XX/XX/XXXX that I never authorized and a {$1000.00} Zelle transaction on XX/XX/XXXX to an XXXX XXXX that I never authorized. When I reached out to my bank they told me to reach out to Zelle where they told me there was nothing I could do but open new accounts and change my passwords.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Account number : XXXX Certified Mail # Attn CFO : XXXX XXXX XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT XXXX XXXX Code XXXX - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) 77 the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am hereby requesting all the above disclosures required by the XXXX. 

Yours Truly XXXX, XXXX ( All Rights Reserved ) XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of the disputed information on my credit report which caused them to leave inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provide evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite my evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

These collection accounts being furnished and reported by XXXX XXXX XXXX are hereby reported as fraudulent accounts to the FTC and the NC Department of Justice Law Enforcement Fraud Investigators. 

XXXX XXXX XXXX are fraudulent and have been actively furnished unlawfully by XXXX XXXX XXXX. 

Remove immediately! 

The collections accounts being reported to the credit bureaus, after XXXX plus disputes, and laws violated against me were never investigated properly nor were the accounts ever validated properly even when an attempt of validation was sent to me XXXX years after the credit bureaus unlawfully allowed these collections to stay on my credit files even after XXXX plus complaints filed with you and over XXXX complaints to the CFPB in numerous times asking for validation of these collections and a statement of what services that I had allegedly received in XXXX  to warrant these claims by XXXX XXXX XXXX giving you all as a whole numerous times to take take appropriate action per U.S. laws and state laws and i continue to contend i have no knowledge of these two debts that this rogue lawless collection agency has furnished derogatory information and never once after XXXX plus companions properly or successfully provided any documentation to me that is required by law and have put themselves in great legal peril because their actions have been unlawful and the Equifax, XXXX, and XXXX will be held legally accountable once I have my day in court with this out of control collection agency that has demonstrated deception trade practices at a whole new high according to law enforcement officials i have spoken to. 

Furthermore, these two collections are unlawful and you all are liable for your actions.
Product: Payday loan, title loan, or personal loan

I took out a loan on XX/XX/XXXX for the amount of $ XXXX on a RV we needed, at a rate of 6.75 %. Today, XX/XX/XXXX, we still owe $ XXXX, after making monthly payments of {$360.00}. Looking back at the monthly payments, it was sporadically designed at $ XXXX {$130.00} to the principle and over {$220.00} as interest payments. There is no online option to better selected the principle down as opposed to the interest. After 3 years of timely payments, at still owning roughly the same amount of the original loan is disturbing.
Product: Credit reporting 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 am submitting this complaint to request that the XXXX credit reporting agency block information appearing on my consumer credit report that is a result of identity theft and fraud. I request this action be taken within XXXX business days of receiving this complaint. 

The fraudulent accounts, including XXXX XXXX XXXX ( {$320.00} ) and XXXX XXXX have led to several unauthorized hard inquiries and collections reflected on my consumer credit report. I do not recognize these accounts or inquiries as they were not opened, made, or initiated by me. They are solely the result of identity theft and fraud. 

I have attached a list of the fraudulent hard inquiries and a copy of my consumer XXXX credit report, which illustrates the fraudulent items. Additionally, I have included a copy of the FTC Identity Theft Criminal Complaint as proof that these accounts are fraudulent.