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

Firstly, I emphasize that my right to privacy is paramount, and I am exercising this right through this dispute letter. As per 15 U.S. Code 1681 ( a ) ( 4 ), you are obligated to act with fairness, impartiality, and respect for consumers ' privacy. I am asserting this right under the stated law and expect that the information in this letter will be handled with the highest degree of fairness, impartiality, and respect for my privacy. 

Additionally, under 15 U.S. Code 1681b regarding permissible purpose, I have never granted this company any such authorization. As a result, they are in direct violation of this law. I request the immediate removal of this account from my credit report, as it negatively affects my reputation, character, creditworthiness, standing, and capacity. Given your responsibility to protect my privacy, I expect this matter to be resolved with the utmost urgency. 

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

Saw a post on XXXX  stating that a XXXX XXXX was being offered for free since the person posting said they had bought a new XXXX XXXX and wanted to do a " good deed '' by giving his other XXXX XXXX  away to anyone who sends him a message with a good reason as to why he should send it to them. I sent a message via messenger and he quickly replied asking me where I was located. I told him, in which he then responded that he was located in XXXX, and since I am Located in XXXX  he would be happy to ship he laptop to me. I agreed, with him saying the cost to ship through XXXX  would be {$50.00}. I then transferred the {$50.00} to him through my chime bank account to his chime bank account, btw the is all happened on Saturday late afternoon/early evening. Fast forward, the next day ( Sunday ) I receive message from him saying he could ship the XXXX  XXXX but it would cost another {$50.00}. I declined in which he then told me that XXXX shipping was the only way, in which unsaid then nevermind, and to please cancel the transfer of {$50.00} and have it returned to my account. After that, I no longer received any more responses from him, nor am I able to contact him anymore after this. Reached out to chime, explained what has happened, in which they explained that the transfer could only be cancelled within 24 hours of the initial transfer. Since it had been in the timeline of 24 hours, I was then told that she person I had transferred the money to would have to wait 2 business days before the funds would be cleared and available for him to retrieve, by chime policy. However, once the rep. Tried to begin a dispute for this transfer, she said that her computer was down and that there wasn't anything else she nor anyone else could do since the person I transferred the {$50.00} to had already withdrew these funds since chime bank had already released the funds, contrary to heir policy, not only before the 24 hours had passed for me to cancel this transaction, but also before the 2 business days had been established as well. Therefore, chime bank aka " XXXX '' didn't follow their own policy when it comes to bank transfers. I explained this to her rep, in which she essentially told me that there wasn't anything she could do and that I am going to have to forget about the money that was sent to this scammer. P. S. I have an screen shots of the entire convo between myself and this scammer as well as the time and day of the transaction I'm speaking of. Also, chime bank 'supposedly '' records all of their conversations so my convo with the chime rep on Sunday, XX/XX/XXXX should be recorded therefore able to be retrieved. Please reach out once the this situation has been looked into, as well as if you need any of the screenshots, and/or have any questions or concerns about XXXX  matter to please feel free to contact me. Thank you.
Product: Debt collection

Account is reporting collection with these account status of derogatory with a balance of {$240.00} with date open XX/XX/XXXX date less active as XX/XX/XXXX. I had previously disputed account as I do not recall having this account active with this creditor for that reason I was asking for them to delete. I am not sure if XXXX XXXX and creditor didnt get my letter because they have not recorded that account has been disputed by consumer and I do see that account on credit report has not change. I have also asked to verify or delete account. I have not received any kind of document stating that this debt belongs to me or that that account has been verified and account continues to report incorrectly on credit report.
Product: Bank account or service

I had a fraudulent charge on my account from a service i had canceled. I called U.S. bank to ask for a stop charge because my account was overdrawn. He agreed to stop it but it was never stopped. The charge went through and i was charged the XXXX dollars. I called back had the XXXX $ refunded but there charge caused me to have XXXX more overdraft fees. They agreed to refund XXXX of them because it was there mistake but not the third because i had agreed to pay the XXXX $ for the stop charge that never went through. The overdraft fee is keeping me in the negative and will have more overdraft fees by tomorrow morning even though i had depositied XXXX dollars cash into my account to cover the cost of my purchases. they are charging me several over draft fees for a service they said they would provide but never did. I have no control over the situation and they refuse to refund me the total amount they have basically stolen from me. I have direct deposit and can not avoid my next check being half of what it should be, which is tomorrow XX/XX/2016. They say its there policy not to refund all overdraft fees, even though it was there mistake that put me in this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$2700.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX of 2023. I booked a hotel through XXXX. and use the affirm payment method. I booked this hotel XXXX  XXXX XXXX XXXX in XXXX XXXX XXXX XXXX the month and a half before... 
I came down with XXXX  XX/XX/2023. 
I called XXXX and the hotel. And left them the message saying that I was sick and that I couldn't come down and stay in the hotel. I even notified Affirm. After that I got a bill from the hotel saying I owed them.. I was on the phone to XXXX. to tell them I called the hotel the day I got sick and said I was not staying or could not stay in their hotel because I was sick. They said the manager would call me back and he never did. I was on the chat to XXXX. they got a hold of affirm.. XXXX call the hotel the XXXX XXXX  XXXX And the manager told XXXX that I would not be charged!! 
So affirm now is hassling me. They had an investigation going. I never heard another word about it.. Now I see it on my credit report that I have collections with affirm.. AFTER I WAS TOLD BY XXXX I DID NOT OWE THAT HOTEL ANY MONEY. AND THAT HOTEL BACKED OUT OF THEIR WORD TELLING XXXX I DIDN'T KNOW A THING! BECAUSE I GOT SICK WITH COVID! AND I NOTIFIED EVERYBODY!! 
NOW IT'S ON MY CREDIT REPORT THAT I OWE AFFIRM!!. 
I WAS SICK WITH XXXX... I TOLD EVERYBODY THAT AT THE TIME. AND THE XXXX XXXX MANAGER LIED TO XXXX AND HE CHARGED ME AFTER HE WAS NOTIFIED I WASN'T GOING TO MAKE IT!!!.
Product: Checking or savings account

I contacted Chime for assistance in moving money from XXXX XXXX to my Chime account. Unbeknownst to me when I XXXX Chime customer service, I was directed to a spoof phone number that originated in XXXX. I assumed I was speaking to a Chime agent. He was, however knowledgeable in the steps required to accomplish this task. I was successful in moving money from XXXXXXXX XXXX to Chime. He then instructed me to send XXXX to his supervisor as 'a test ' and assured me it would not really take money from my account. It did. I was the victim of a scam on an XXXX man. I filed a dispute with Chime the same day. They have denied my dispute twice, stating that 'no error was made '. I never said they made an error. I said I was scammed. I'm getting no satisfaction from Chime
Product: Credit reporting

I RECEIVED A CALL TODAY FROM SOME SCAM COMPANY CALLED XXXX AT MY XXXX TELLING ME ABOUT MY BAD CREDIT AND HOW TO FIX IT. I WITH DISGUST TOLD THE POOR ENGLISH SPEAKING FEMALE THAT I WAS A XXXX AND WAS BUSY AND HUNG UP ON HER! I DO NOT APPREICATE THESE CORRUPT CREDIT REPORTING AGENCIES OF EXPERIAN AND XXXX ( WHO REFUSED TO UPDATE MY FILE WITH A LEGAL NAME CHANGE AS OF XXXX 2014 ) AND XXXX SHARING MY FINANCIAL DEMISE WITH CROOKS LIKE THIS CREDIT REPAIR CENTER AS I CAN ONLY PRESUME THAT THIS " BAD CREDIT '' OF MINE WAS ONLY REVEALED BY ONE OR ALL THREE AGENCIES! FURTHERMORE, I BELIEVE THESE TACTICS USED BY BANKS AND EVEN CERTAIN EMPLOYERS OF CHECKING ONE 'S SCORE ARE ONLY ANOTHER EXAMPLE OF HOW FAR THIS NATION OF DEBILITATING RACISM HAS TO GO TO IMPROVE THE PSCHOLOGICAL, PHYSICAL/EMOTIONAL AND ECONOMIC WELL BEING OF XXXX! I HAVE A XXXX IN THE FORM OF A XXXX AND EVEN HAVING A SEPARATE SMALL BUSINESS CHECKING ACCOUNT WITH A DISTICNT AND SEPARATE EIN NUMBER IS NOT ENOUGH TO HELP MY PRACTICE AND RACIST BANKS INSIST ON USING THAT PRISON/SLAVE NUMBER ( SOCIAL SECRUITY NUMBER ) WHICH I WISHED I NEVER APPLIED FOR! ALL IT HAS BEEN IS A SOURCE OF MISERY AND IMPRISONMENT IN POVERTY AND EVEN USING IT TO APPLY FOR XXXX BENEFITS DUE TO THE YEARS OF GOING WITHOUT XXXX MEDICAL TREATMENT OF CERTAIN DISEASES HAS NOT BENEFITED ME WHEN I NEED IT TO! I AM SICK OF BEING TREATED AS JUST A PRSION NUMBER AND NOT AN INDIVIDUAL WHO TOOK THE TIME TO GRADUATE FROM COLLEGE WHICH ONLY MADE ME POORER WITH THOSE HIGH INTEREST STUDENT LOANS AND THEN ON TO XXXX SCHOOL WHICH MADE MATTERS WORSE! I KNOW I WILL NEVER GET A DECENT POSITION SUCH AS WITH THE XXXX WHERE I CAN GET SUSTAINABLE INCOME RATHER THAN BEHOLDING TO THE CRROUPT MEDICAL PAYERS OF MEDICARE AND MEDICAID OR EVEN AT LEAST EXTENDED CAPITAL IN THE FORM OF PRODUCTS LIKE CREDIT LINES OR LOANS AS LONG AS I AM XXXX IN THIS NATIO AND THAT SOCIAL SECUIRTY NUMBER IS USED AGAINST ME INCLUDING GETTING MY XXXX BENEFITS I AM ENTITLED TO! I WANT THESE BEINGS TO STOP USING MY CREDITS SCORES AGAINST ME ESPECIALLY IN SITUATIONS WHERE I AM NOT EVEN REQUESTING A LOAN OR OTHER FINANCIAL ASSISTANCE! 

SINCERELY DISGUSTED, XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX attempt to get this matter resolved. I've submitted XXXX previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. XXXX has failed to comply with Fair Credit Reporting Act ( FCRA ). The disputed information was reporting to my credit file held with XXXX/TransUnion. This XXXX account was reported Late.They have failed to fix the account. I need this account updated from my report ASAP. Here is the name of the data furnisher & the account information- XXXX  XXXX Date opened XX/XX/2006 Balance {$100000.00} XXXX  XXXX Date opened XX/XX/2006 Balance {$100000.00}
Product: Credit reporting or other personal consumer reports

I XXXX XXXX examined my credit report and found that a late payment dated XX/XX/2023 from XXXX XXXX XXXX XXXX. 

According to law Title 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) ; Rule of Construction, it states a " " consumer report '' does not contain information solely as to transactions or experiences between the consumer and the person making the report ; ''. A credit note or a late payment is considered a transaction ''. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Please Remove this Credit note/transaction. It is illegal and it is affecting my credit worthiness. I never signed my WET SIGNATURE nor gave XXXX XXXX XXXX XXXX WRITTEN INSTRUCTION to report information to the credit bureaus.
Product: Credit card or prepaid card

My father always submits a money order of $ XXXX to Discover credit card company via mail. 
With a GOOD credit score and no late payments, my father has not had any issues except on XX/XX/2022 at XXXX, Discover sent a message acknowledging of payment received. 

XX/XX/2022, my father 's card did not work, so he called and found out that Discover received the payment BUT, since the last 4 digits of the money order did not match with XXXX, ( which is a bank that XXXX check cashing services is contracted under ), deemed it unauthorized, Discover shredded and dismantled the check without giving any knowledge in writing to my father whatsoever. 

My father called numerous times, spoke with 4 customer service agents, 2 billing agents, 2 supervisors, 1 personnel had an answer to why the LAST 4 DIGITS of the money order was considered to be UNAUTHORIZED by XXXX, which resulted in shredding/dismantling the money order. 
This contradicts because on my father 's Discover account, the records show Discover receiving payment on XXXX XX/XX/2022 XXXX. 

Since the money order account with PLS check cashing place is in an " open '' status, Discover was supposed to send an email and mail explaining why they have shredded and dismantled the money order check. 

This is negligence on Discover 's end because they received payment, posted payment, but since last 4 digits of the money order was considered unautnorized they dismantled the money order? 2 supervisors also noted that my father has never been late on payments. 

None of the supervisors can figure out why the money order was shredded nor was there any proof in writing submitted to my father, so he may be able to take the proof, close the current money order " open '' status and create another money order to be sent out to Discover. 

At this time, nobody has a direct answer or resolution to fix this ongoing issue.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time of the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 

This issue appears consistent with recent findings by the CFPB which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Checking or savings account

My complaint is regarding Overdraft fees. PNC Bank processes debits before credit in their nightly processing. On XX/XX/XXXX I gave my sons daycare a check -- they deposited it to their bank on XX/XX/XXXX ( non-pnc Bank ). My direct deposit hit that night. But based on how PNC allocates their funds and processes debit before credits the account was overdrawn. This is a way for PNC to make additional fees and I feel this is very unfair practice for Customers.
Product: Debt collection

XXXX XXXX originally sold an account that was opened in my name by someone who stole my identity to XXXX XXXX XXXX reported a delinquent account on my credit report for {$70.00}. Now they sold this fraudulent account to IC System Inc. and claim that I now owe {$770.00}. I told them that this was identity theft. They said that it's for a debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nebraska. I told them that I have never lived there or visited there in my life. I called XXXX XXXX myself and they said that they only do online disputes with a police report. That since they merged with XXXX XXXX XXXX, they can't file a complaint over the phone and that they only have limited access. I filed a police report with the XXXXXXXX XXXX XXXXXXXX and already sent it to XXXX XXXX. IC System says that there's nothing that they can do. The collection company refuses to delete this account from their files. The collection company should be able to verify and dispute the account themselves, since they are the ones who now are trying to collect this debt. I am in the process of applying for a home loan and this has derailed everything. This is a living nightmare. XXXX XXXX XXXX XXXX should be held accountable for not fully verifying the identity of the person when this account was opened. I'm sure that I'm not the only victim. I have also filed a dispute with XXXX XXXX and the case # is XXXX. It is impossible to contact XXXX XXXX by phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of m y Trans Union  credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     Under the Fair Credit Reporting  Act, 15 U.S.C. 1681g I have t he right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.     If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required unde r Section 611 ( a ) ( 5 ) ( A ) ( i  ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.     Under the FCR A 15 U.S.C. 1681i, all  unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.     Please provide me with a copy of an updated and corrected credit report showing these items removed.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B . Insurance C. Employment D. Court O rder The following credit inquiries are related to none of the aforementioned permissible  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   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: Mortgage

I was behind writing checks, so I called and submitted a payment via the phone on XX/XX/year>. I then received an email saying that I needed to make my payment. I called again on XX/XX/year> and spoke to a representative who told me that my payment had been denied due to insufficient funds. This was a lie. Another attempt to make the payment was attempted. I started calling nearly every day. I was told that a Stop Payment had been issued on the initial payment. Again, this is a lie. I was told to check with my bank. They had no record of receiving the request for payment. I called again to tell them the payment had not reached my bank. As I said, I called nearly every day after checking my bank account to see if the payment had cleared. On XX/XX/year>, the payment was again attempted. I was assured that the payment would clear my bank within 1-3 days. I was assured that I would not be assessed a late fee. I called again on XX/XX/year> and was told that the payment would reach the bank during that day. It did not. I called XX/XX/year> and was told that it could take as many as 10 days for my payment to reach the bank. This is the first time that excuse was given. I check my account this morning and no payment has reached the bank. Meanwhile, my principal is gaining interest. I will continue to call to try to get this issue resolved, but I did promise the representative that I would be making complaints. This is no way to handle customer service.
Product: Student loan

Due to divorce and financial hardship, I had to file for bankruptcy in XXXX. I assumed my private student loans with Navient would be XXXX, but they were not. A Navient provided inaccurate information in relation to my ability to discharge the private student loans. In reading a article a couple of days ago, I learned my private loans with Navient could have been XXXX via bankruptcy. Due to Navient putting me in forbearance, interest applied has cause the XXXX private Navient loans to grow XXXX to XXXX times what I originally took out. As a result, literally all of my plans were going toward interest and not principle. Due to having knee XXXX, I was out of work for a couple of months. Due to being out, I have not been able to make payments since XXXX, XXXX. My question is... can my Navient private loans be XXXX via my XXXX bankruptcy? Or, can a lump sum settlement be derived to finally resolve my XXXX private Navient student loans? 

Note : The originally approved loans were approximately XXXX. With interest applied, the loan amount is over XXXX ... XXXX in interest alone
Product: Credit card or prepaid card

I purchased an item from Zales department store that had a 12 month no interest promotion. I received my XX/XX/XXXX statement stating in bald red print in second paragraph saying : " WARNING : Promotional Plan ( XXXX ) ENDING SOON! 
You must pay the BALANCE {$340.00} IF YOUR PLAN 12 MNTH XXXX INT LOW PMT IN FULL BY XX/XX/XXXX TO AVOID PAYING ACCRUED INTEREST CHARES '' ON XX/XX/XXXX i MADE A PAYMENT FOR {$340.00} THEN ON XX/XX/XXXX i WAS CHARGED XXXX INTEREST CHARGE THEN ON XX/XX/XXXX CHARGED {$9.00} AND XXXX ON XX/XX/XXXX ON XX/XX/XXXX i SPOKE WITH XXXX ID # XXXX AND HE CONNECTED ME WITH SUPERVISOR XXXX ID # XXXX WHICH SAID SHE WOULD FILE A DISPUTE THAT WILL BE MAILED OR COULD TAKE UP TO 90 DAY. 

XXXX I CALLED TO FOLLOW UP AND SPOKE WITH XXXX THAT XXXX ME TO XXXX ID # XXXX THAT WAS TELLING ABOUT A LATE FEE THAT'S IN THE UPPER RIGHT HAND CORNER STATE A XXXX FEE IF PAYMENT IS LATE AND MUST PAY THE MONTHLY PAYMENT THAT'S DUE ON XX/XX/XXXX OR ALL INTEREST WILL BE ADDED. THIS WASN'T CLEARLY STATED WHILE EXPLAIN WHAT'S DUE TO AVOID INTEREST.