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

I requested a refund from the merchant XXXX XXXX XXXX  for their XXXX XXXX annual subscription service of {$1400.00} on XX/XX/XXXX. The purchase was made with a Chime XXXX XXXX card ending in XXXX with a split payment plan of {$720.00} on XX/XX/XXXX and {$720.00} on XX/XX/XXXX transaction, last year. There was a 1-year refund policy. The debit card used to make the purchase last year was disabled and replaced around XX/XX/XXXX, after the purchase. After the refund was requested by XX/XX/XXXX, the merchant processed the refund on XX/XX/XXXX for {$1400.00} to the old debit card which was used to make the purchase last year and provided a confirmation receipt that the refund was complete. The refund of {$1400.00} was still not showing in my Chime Checkings account after 10 business days, so I called CHIME support and the representative said that even though it was an old debit card, its still the same checkings account, so it should have processed through, but he found no refund was pending into my Checkings account, so I filed a claim dispute form enclosing the reference number of the refund from the merchant, along with the refund receipt and the confirmation email from XXXX XXXX XXXX. CHIME BANK refused to credit my account for the missing refund amount and closed the dispute as no error was made. Yet, I still dont have my {$1400.00} e-refund from XXXX XXXX XXXX showing or deposited in my Chime Spending ( Checkings ) account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. TRANSUNION has violated my rights by claiming items are verified without proper investigation by law and knowingly and intentionally leaving false information on the credit report including but not limited to false names.
Product: Credit reporting or other personal consumer reports

A fair resolution to this issue would be for the credit reporting agency to take immediate action to delete the fraudulent items on my credit report and provide monetary relief for any damages suffered as a result of these inaccuracies, as outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b ( a ) ( 2 ) and Section 1681c-2 ( a ) which requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of credit reports and failure to do so can result in liability for damages, attorney 's fees and costs, and statutory damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it XXXX concern around XX/XX/2022 I have recently sent letters to all three credit bureaus about a XXXX on my credit report, I have gotten proof from the Illinois courts stating that they do not give, sale, furnish or verify court documents to any credit bureau, or consumer reporting agencies. The letters I sent with proof stating such, is accurate proof from the United States Court all three credit bureau, blaming XXXX for their source of verification, XXXX XXXX said the verification is from pacer which are all reporting agencies. they all are defaming my name and my character and would like to have this XXXX removed immediately. Thank you. Best regards.
Product: Credit card or prepaid card

I am writing because I believe First Progress can use improvement with communicating important information to customers. The monthly statement, dated XX/XX/2019, disclosed that the Annual Fee of {$49.00} will be imposed on [ the ] next monthly statement. I read at the end of the statement that payment of the annual fee could be avoided by sending written notification of termination within 30 days. The annual fee was charged to my account on XX/XX/2019. I sent a letter requesting that the annual fee be refunded and my account be closed. On XX/XX/2019 I received a voicemail from XXXX with First Progress requesting that I call at my earliest convenience. I called that same day to confirm receipt of my letter. The customer service representative told me that the annual fee would not be refunded because charges were made to my account after the fee was imposed. The customer service representative was unable to direct me to where I could find a statement regarding forfeiture of the annual fee in the Terms & Conditions. I have read through the information I received with my card but I can not find where this policy is stated. I was told Im sure its in there somewhere. The call ended with me being informed that corporate made the decision not to refund the annual fee. 

I believe First Progress should communicate information more clearly. I became aware that the annual fee had been charged to my account when I logged in to my account on XX/XX/2019. The statement dated XX/XX/2019 ( with a due date of XX/XX/2019 ) disclosed that the annual fee would be charged on the next statement, which happened to be XX/XX/2019. If I had not logged in on XX/XX/XXXX I would not have been aware of the transaction until XX/XX/2019, when First Progress emailed the notice that my statement was ready to view.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I went to Home Depot located at XXXX XXXX XXXX, XXXX, MA XXXX to purchase a few items.On my way out at the register I used my current Home Depot store card to pay while the employee asked me if I wanted to open a card and save on the purchased items. I asked him twice if it was a an upgrade and he said '' Yes ''. I found out later when I received the statement that it was another card similar to the one that I have. I called Home Depot credit services to resolve the issue. They told me to pay the current balance and they would close the account with no impact on my credit report. Recently, I checked my account on XXXX  and it showed as a hard inquiry and it will stay active om my credit report until XX/XX/XXXX without the option to dispute this misleading and wrong doing on behalf of the Home Depot employee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe Im a victim of of identity theft I noticed theres an fraudulent close auto accident from XXXX XXXX XXXX ( XXXX ) opened XX/XX/XXXX for the sum of {$11000.00} thats in collections that I did not open, along with 9 inquiries listed on my credit report that I did not authorized. My personal information was leaked in the XXXX Equifax data breach. In accordance with the Fair Credit Reporting Act my rights have been violated. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written conse
Product: Payday loan, title loan, or personal loan

I took out a payday loan of {$370.00}. On their website, it was advertised as a 7 % interest rate. Looking at my checking account, I'm wondering why I've been paying {$100.00} every two weeks on a {$370.00} loan. I called the company in which then I was told it was an interest rate of 721 %! That is not what it was advertised as. Also, in the state of Florida, a lender can not legally use an interest rate over 304 %. So what this company has done to me is illegal. They have charged me {$100.00} on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, and XX/XX/20. This is way over my loan and almost over the legal interest rate in my state. This company deliberately advertises their interest rates lower then sneakily bumps it up once you sign. When I signed, it was 7.2 % interest. Not 721 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have taken a look at my credit report which has caused some confusion. I used my social security number/card defined under 15 USC 1602 ( l ) to extend credit with Ally Financial to obtain a vehicle. I am a natural person, a federally protected consumer, and the original creditor defined under 15 USC 1602 ( g ). The vehicle which is subject to the transaction was used primarily for personal, family and household purposes. Ally Financial has engaged in extortion and racketeering activity defined under Title 18 Chapter 42. Ally FInancial did not inform me on the cost of credit. I never received written adequate notice that sets for the pertinent facts for this consumer credit transaction which violates 15 USC 1602 ( k ). Congress makes it clear that consumer credit would be strengthened by the informed use of credit. The only decision I was given after the consummation of the transaction was to make payments without penalty which is a violation of 18 USC 880. The decision I made in connection to this transaction was uninformed. I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to nonaffiliated third parties such as XXXX, XXXX and XXXX pursuant to 15 USC 6802 ( b ) ( 1 ) ( B ). Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( 1 ) ( C ). Ally Financial and the consumer reporting agencies ' conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. My consumer report does not include a report containing information solely as to transactions or experiences which means late payments are a violation of 15 USC 1681a ( d ) ( 2 ) ( i ). 15 USC 1666 ( a ) ( 2 ) I am aware that all extensions of credit are tied to my social security card and that the United States is obligated to all debts under 18 USC 8. Ally Financial has caused harm by furnishing inaccurate information on my consumer report. I am requesting additional clarification in regards to the billing errors under code 15 USC 1666 ( b ) ( 2 ) documentary evidence under 15 USC 44 includes books of account. According to 15 USC 1602 ( p ) Ally Financial does not have actual authority for such use of my credit card defined under 15 1602 ( l ) and I received no benefit from this unlawful transaction. Without lawful authority, by using means of my identification Ally Financial and the consumer reporting agencies are committing aggravated identity theft and attempting to collect on this account by extortionate means pursuant to 18 USC 894. Verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy.
Product: Checking or savings account

After attempting a legitimate XXXX transaction, my account portal was locked. I first attempted to contact Chase via phone on XX/XX/22 but it was after-hours. I then reached out to their XXXX support, XXXX XXXX, on XX/XX/22, and was asked to call the same support number XXXX as they could not unlock my account. I called that same day and was placed on an extended hold, after which time I had to give up. I attempted again on XX/XX/22, this time selecting the option for a call back. I received a call back after about 30 minutes. The representative took my info and transferred me to dead air. I then reached out to XXXX  support again. They again advised me that they could do nothing. I called again, this time waiting on hold. I was able to get through in a " quick '' ~20 minutes this time. The rep took my info, said that they were going to put me on hold to " perform actions on my account '' and to please stay connected. They then hung up on me. I have never experienced customer service like this. I am at a loss.
Product: Credit reporting or other personal consumer reports

I wrote a letter to the credit bureaus asking for the removal of these accounts because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high accurate information, and they did not. The account is inaccurate, they never showed me how they verified these accounts nor how they updated these accounts, they did not disclose their method of verification nor a contract bearing my signature as requested. These accounts are affecting my credit report and me trying to get a house, car, and other loans. Please remove them immediately. They had up to 30 days to provide me with the method of verification and a contract or any proof that these accounts are mine. I received neither. Please remove them. 

Transunion Accounts XXXX. XXXX Account XXXX : XXXX Amount {$680.00} XXXX. DEPT OF EDXXXX Account Number : XXXX {$3800.00} XXXX. DEPT OF EDXXXX Account Number : XXXX {$2300.00} XXXXXXXX XXXX XXXX Account Number : XXXX {$210.00} XXXX. XXXX XXXX XXXX Account Number : XXXX {$1100.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$8.00}, XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX Amount : {$14000.00} XXXX. XXXX XXXX  XXXX Account Number : XXXX  {$8.00}, XXXX XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX {$14000.00} XXXX. XXXX XXXX Account XXXX : XXXX {$180.00} XXXX. XXXX XXXX Account XXXX : XXXX {$130.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX {$11000.00} This agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them and they are violating my rights and im entitled to {$1000.00} for every violation I listed, they have to pay me or delete these accounts.
Product: Mortgage

Last year in XX/XX/XXXX I had a switch of bank accounts as I moved all personal accounts to where my business banking accounts are held. During this process I had the accounts paid for online and had named the new account the same as the old account. I was notified that my homeowners insurance was not renewed, their was a mix up from the carrier as to where the renewal was sent. I paid my mortgage as usual however Amerihome was trying to take it from the closed account. I was not notified by Amerihome not only for the insurance renewal but also that the Mortgage was not paid for XX/XX/XXXX. When I was told i was late in XX/XX/XXXX, I immediately paid XX/XX/XXXX and XX/XX/XXXX totaling over {$4000.00}. I had spoke to customer service to get this resolved and they had acknowledged the mistake on the draft and the insurance renewal and sent me a link to get the late removed. It has not been removed and I called to inquire again as recent as 30 days ago and they had told me it was not done and they are not sure why.

Amerihome Mtg CO, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been educated about changes regarding public records reporting that took effect XXXX 2017. I called Equifax about these changes and to get additional information from the company directly. They advised " it was a false rumor '' and that it had no truth to it. I advised them that it was true because XXXX had just removed it a few days for that specific reason.
The change dictated that if a reported tax lien did not XXXX major pieces ( 1-name, 2-address and 3-date of birth and/or social security number ) along with regular 90 day updates that it would be removed. I received a copy of the official lien notice reported by the Clerk of Circuit Court, XXXX County, XXXX, Florida. It did not satisfy the minimum requirements currently in place, but Equifax agents insisted I could not dispute it nor were they required to comply with these changes. I 'd like for the CFPB to confirm if this public records change is valid, and if so to contact equifax about this matter.
I also collected a fax number from the equifax agent and sent a written letter with a copy of my SSN/DL and the lien notice supporting my claim.
IN ADDITION to advising me the change was a lie, Equifax has locked me out of viewing my credit report. I reported the issue Friday XX/XX/17 and was advise it was a 'known issue ' and being handled by their technical department, and to call back in an hour.
I called back on XX/XX/XXXX - was on hold for 61 minutes with no answer from an agent I called back onXX/XX/XXXX - was on hold for 90 minutes with no answer from an agent I called back on XX/XX/XXXX - was on hold for 95 minutes with no answer from an agent I called back on XX/XX/XXXX - was on hold for 110 minutes with no answer from an agent I called back on XX/XX/XXXX requesting to cancel service thru the automated system and an agent answered in 3 minutes. That agent referred me to another number. The second agent spoke had me for 49 minutes ( 36 minutes of that on hold ). Then that agent sent me to another agent ( " supervisor in the speciality department '' ). This agent extended the call another 65 minutes. All agents stated " we ca n't unlock your report '' and " we ca n't update your credit report '', but none of them can explain why or when it will be resolved. They did all say I could continue to call back for updates, and they would not notify me when the " issue '' was corrected.
They offered me a reduced rate of {$9.00} for 12 months but i declined because paying 50 % for nothing does not make anything a good deal.
Can someone please help me with this? They are not listening and not addressing my credit report issues.
**To CFPB, please do not publish my attachment ''
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE LOOK INTO THE FOLLOWING NEGATIVE ACCOUNT : XXXX XXXX XXXX IS DISPLAYING AN UNPAID CHARGE OFF AMOUNT OF XXXX AND DOES NOT SEEM TO COME OFF OF MY CREDIT REPORTS. THIS WOULD BE MY SECOND TIME AROUND DISPUTING THIS. AND IT IS UNFAIR. PLEASE REMOVE THE ACCOUNT BECAUSE IT IS RUINING MY CREDIT 'S REPUTATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax Hello XXXX I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX serviced by XXXX XXXX XXXX  XXXX ending in account number XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

In 3 successive days XXXX was taken out of my checking accounts by a company called XXXX and A XXXX credit card. This began on XXXX/XXXX/XXXX when I noticed 4 different deductions totaling XXXX. I called the bank and they closed the account and gave me new account. On XXXX {XXXX more was withdrawn from the new account of which only Bank of America had the account number. On XXXX XXXX  more was taken as a XXXX transaction by a private individual. They have now frozen all my accounts.
Product: Payday loan, title loan, personal loan, or advance loan

I can't recall the exact date when I borrowed money from Advance Financial, as it's been almost a year. I took out a total of {$2500.00} with a two percent interest. Based on the information I read, I made payments of nearly {$3500.00}. However, when I inquire about my balance, I'm surprised to find that the payment has increased by 200 % of the principal. This means I paid around XXXX XXXX  monthly over six months while I was working. Later, I discovered that only {$80.00} of this amount was actually going towards my payment, according to one of the company agents. Throughout this period, I've communicated with various individuals involved with the company, including supervisors and managers, in an attempt to amicably resolve this matter. Despite my efforts, no progress has been made Instead of {$2500.00} with interest, I now owe. Now, I'm seeking assistance to navigate this unfortunate situation, which is one I hope nobody else experiences with this company.
Product: Debt collection

I 've sent numerous certified letters to the collection agency and the creditor directly to remove this frivolous account from my records. The collection agency kept requesting for me to provide more information. I am unable to provide anymore info on that account. A fraud affidavit was submitted to the collection agency multiple times. The have n't corrected the issue
Product: Debt collection

The company doesn't have my permission to collect on this debt. I've asked for the original signed contract with my wet signature on it.

After filing a complaint with the CFPB the company has responded with vague explanations of their process. If this account isn't removed asap I will file suit against the credit bureaus and the collection agency referenced in the complaint. If this account was charged off, I should receive a 1099 from original creditor. None has been delivered, therefore fraud is being committed. Remove account ASAP or I will sue for damages totaling {$1000.00} for each violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for the information used to verify a public record thats displaying inaccurate information under my name. I understand that any information thats attached to my social security number or that is being reported, Im entitled to copies of documentation by law. Experian have refused serval times to send me the documentation I have asked for. The company claimed they verified information based on information that previously appeared on my credit report. I asked for documentation of how they verified the inaccurate information listed in a public record and they refused my request stating they dont have to provide that information which make me think they have falsely investigated my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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