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

I chose Chime Bank because they don't charge monthly fees and it's been ages since I've had to walk into a bank anyway. That's basically their only selling point. I don't think we are advanced enough as a society to get rid of brick-and-mortar banks just yet, sadly. 

Basic bank features provided by other banks are like pulling teeth with Chime. My main issue is a simple mobile check deposit. This has been going on for years actually. They turned it off sometime in XXXX and they always give me the same answer, they turned it off due to " certain risk factors. '' They never tell me what exactly the risk is or how to fix it, I basically just have to deal with it and use a check cashing service even though I have a valid checking and savings account and credit card with them. There's nothing they can do and they refuse to do anything. I spoke with a representative again today and he gave the same answer ( XX/XX/XXXX ). 

In response to that, I'm forced to use a check cashing app, XXXX XXXX, which isn't helpful either but it's basically my last resort. I am a XXXX  XXXX and XXXX XXXX  and both of my main employers still pay by check. My employer, XXXX XXXX XXXX XXXX XXXX uses XXXX XXXX XXXXXXXX to process my check stubs. He offered to send my money through another service, XXXX but they aren't compatible with Chime. He refuses to use XXXX XXXX, XXXX, or XXXX, which I have all of because of scams and risks to the company 's accounts. He's old school and it's a small business. 

XXXX XXXX unfortunately charges a fee to get my money immediately which is why I need Chime to turn on the mobile check deposit ASAP. They don't charge small amounts in cents, they take a pretty big percentage, up to {$25.00} worth for each check. I'm not exactly rolling in dough so I need every cent I earn. If I wanted to pay fees I wouldn't bother with Chime at all. If I don't want to pay a fee, I have to wait 10 days. Lately, XXXX XXXX has been giving me issues where checks I try to deposit decline or an error in the system makes me have to resubmit checks. This is making me nervous and delays my checks. 

On XX/XX/XXXX, I tried to deposit a check and it came back as declined. XXXX XXXX told me to try again. It declined again on XX/XX/XXXX. My employer called XXXX and they said that the check was paid out on the XXXX ... so where is it going!? This is too many ropes and hoops to jump through to do a simple thing. XXXX is still working on the issue as we speak and Chime refuses to do anything. If they could just turn on this important and basic bank feature I wouldn't have to go through this and I can get my money in time. 

Chime is owned by XXXX XXXX  I have made a complaint to them as well. I also contacted the Federal Reserve Consumer Help Center and they referred me to you and I hope this will be the last time I have to tell this story.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone is using pieces of my personal information on their credit report. The result is relentless and continuous calls from telemarketers for the incorrect person. On XX/XX/2022 alone, I received more than XXXX calls within the first XXXX hours of the day.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy-discharged Reference # : XXXX
Product: Credit card or prepaid card

I was cold called by XXXX XXXX XXXX and logistics when I had entered my name into a database of moving companies. Everything I was told on this call turned out to be a lie. Including " call me with any problems ''. I was NEVER allowed to even speak to first person " XXXX '' who took my credit card info. The company promised they would be at my house within 2 days to move me. They never came. I have basically given this company {$1200.00} for nothing but headaches and disturbances. Chase bank says I signed a contract and said that I " cancelled '' services so that this charge will stay and it doesn't matter that I never received services. Basically Chase bank tried to catch up their own customer in their fraud department with language. They asked me " did you cancel? '' I said " Of course I cancelled, I never got services ''. Then later when denying my dispute they said " sir you said you cancelled ''. This is beyond wrong.
Product: Payday loan, title loan, or personal loan

Is there anybody in Wisconsin or Michigan that can assist me with this? Is Big Picture Loans even licensed and/or allowed to conduct payday loans in Wisconsin? How can they get away with this? On XX/XX/XXXX I filed a Wisconsin Chapter XXXX Debt Amortization and included this account in the action for {$1100.00}. They counter claimed that I owe them {$1300.00} I am trying to adjust the amount to what I feel would have been owed on XX/XX/XXXX when I tried my best to pay the loan off in full and they refused to accept it - XX/XX/XXXX {$1000.00} BALANCE Or maybe remove them from the Chapter XXXX filing altogether is there anybody that can assist w/ this to provide guidance? Thank you, XXXX XXXX XXXX XXXX SUMMARY XX/XX/XXXX {$2200.00} deposited to my bank XX/XX/XXXX {$1500.00} electronically paid on account XX/XX/XXXX my email inquiry on options to repay balance ( recd NO REPLY ) XX/XX/XXXX my email inquiry request for payoff amount for XX/XX/XXXX ( recd NO REPLY ) XX/XX/XXXX my email request payoff amount ( recd NO REPLY ) XX/XX/XXXX my email request for BPL to please respond to my multiple requests ( recd NO REPLY ) XX/XX/XXXX my email request for a response and payoff w/ breakdown ( recd NO REPLY ) XX/XX/XXXX my email request offered {$1000.00} to payoff in full ( recd NO REPLY ) XX/XX/XXXX my email request copy of loan papers ( recd NO REPLY ) XX/XX/XXXX my email request to cancel request of loan papers ( recd NO REPLY ) XX/XX/XXXX me phoned in to support, spoke w/ XXXX who promised they would phone me back ( NEVER RECD CALL BACK ) XX/XX/XXXX my email sent requesting phone call back as never recd ( recd NO REPLY ) XX/XX/XXXX my email below to which I recd NO REPLY CC : Consumer Product Safety Commission by way of webform Consumer Protection Financial Bureau by way of webform
Product: Debt collection

Company Medical Data System l its 2 accounts for XXXX and XXXX date showing on my credit is XX/XX/XXXX. I both mailed an account validation letter and disputed this debt with the credit bureaus and the collection agency several times since XX/XX/XXXX. Only the credit bureaus responded that this debt was verified but showed no proof as I requested. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX still has not responded to any of my letters. All I asked was that the credit bureaus show me how they verified this debt and what sent them as proof of my debt other than a bill that could be fabricated. I really need to know why I haven't been shown proof of this after multiple disputes and certified letters letters sent.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my tax refund was deposited into the wrong bank account at Citi Bank. 
when i discovered that a mistake had been made i contact my tax preparer and they gave a trace number to ask Citi Bank to trace the funds. Citi Bank told me they couldnt do the trace that the who ever sent the ACH deposite had to call and request a trace. XXXX XXXX did what they asked. CITI bank response was that i have received the fund and had withdrew them. which is not true. but when i spoke to citi bank they told me that this account do not exist. that money should have reverse back to sender but they never received it. That ACH deposite was in the amount of XXXX made on XX/XX/2021. Then they said the account do exist and the money was deposited in that account and the couldnt reverse it back to them. when i spoke to them they told me that they couldnt find the money. On XX/XX/XXXX my stimulus check was deposited into the same account. when irs did a trace they told them i had received the money and that was my account and it had all my information for that account. my stimulus check was for XXXX after all this took place they closed my account.CIti Bank has taken XXXX from me. This the tracking number that XXXX XXXX bank has given to me XXXX. Hope all this make since. i been dealing with this since XXXX. Wrong account and this cant get no help from CITI BANK
Product: Money transfer, virtual currency, or money service

On XX/XX/23 my robinhood account was restricted after a failed transfer. I had the wrong card added and it declined, but thinking it was the right card I tried XXXX more times and the account locked. The account is stock trading/ spending account where you can trade but also have a card to spend on daily. I had {$510.00} in my account before it was locked and now i cant get to it. I emailed XXXX ; the support email so I could get it unlocked. On XX/XX/23 I got a call back from the support # and was told they needed some documents to unlock. I sent my ID, a selfie to verify to the ID, my social security card, and my bank statements also verifying my name and address. I wasnt given a time frame for how long my account would be locked. On XX/XX/23 I was asked for another bank statement to verify my address and name and also asked for another ID picture and selfie. Its now XX/XX/23 Ive emailed the support team multiple times and have gotten no accurate responses rather prompts. They still cant give me a time frame for how long it will be locked. I need help to at least get my money back if not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXXXXXX Balance : {$320.00} XXXX XXXX XXXX  Balance : {$0.00} :
Product: Debt collection

After reviewing my credit report, I noticed a debt from SOURCE RECEIVABLES MANAGEMENT LLC, and called them. I asked why they added the debt amount of ( {$1200.00} ) without notifying me first, so that I could at least have a chance to dispute this inaccurate amount. I requested a debt validation letter with proof of when it was sent, a copy of the signed contract, and the right-to-dispute notice. They were unable to provide this information and still haven't done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My name is XXXX XXXX, I have been dealing with an issue with XXXX and EXPERIAN for a long time now, over 2 years. I paid an XXXX bill, and settled with them. You can contact XXXX, I have letters from XXXX showing I paid it. I even did a loan process and had to provide documents I paid this account off. The account number that I have because it was such a long time ago is XXXX. XXXX is telling me with Experian I have some type of freeze or my credit etc. and they can not update my credit report to show I have paid and settled. This has ruined my credit since 2019. I keep contacting Experian, they are stating I do not have a freeze on my report. I downloaded the app, paid for the service to unlock my credit report, still not working. I have given up on calling XXXX. I have paid many items that went into collections a while back, I paid, and settled, and all of them updated my credit report. XXXX Is stating they can not. I have no idea what is going on. XXXX has ruined my credit for many years now. I can not do anything about it. I have proof I have paid them. XXXX knows I paid them, but some how they can not update my credit report because of a freeze. There is no freeze on my credit. The balance is showing {$4000.00} but I settled. Two years ago when I filled my taxes, XXXX sent me a document to show the charge off, I had to taxes on that as well. This DEBT needs to be updated on my credit report to show settled in full, NOT UNPAID WHICH IS RUINING MY CREDIT. I am so frustrated with this. no one is helping me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate payment history and activity. They are reporting current activity for a closed charge off account. And also accured interest on a closed charge off account. 
And also failed to provide me with the method of verification 3 times. 

XXXX XXXX XXXX account The payment history is wrong. Reporting every month up until this date is illegal since its closed and charged off way back in 2017. And the late payments are not reporting correct late payment sequence. 

XXXX XXXX Account was XXXX $ now its XXXX $ How is that when its closed how is interest added to an closed account.
Product: Credit reporting or other personal consumer reports

As of XX/XX/2024, XXXX reported my credit card 60 days past due. I paid the amount owed back in XXXX leaving the account with a XXXX balance. i paid it with my debit card and my bank statements can prove the transaction was successful. Additionally, XXXX  has the account as paid with a XXXX balance in their system when i contacted them. They said the collection department reported the wrong balance in error. I have an internal dispute filled within XXXX to clear up the 30 days late. Now they reported my account 60 days late for a balance of XXXX that I paid on XX/XX/XXXX ( XXXX dollars ) and XX/XX/2024 ( XXXX ). This account has never been late. This needs to be corrected asap. 60 days late is killing me. see proof attached. Thank you.
Product: Credit card or prepaid card

I want to link my credit card to my bank account, for reward purposes and capital one prompts that I can not use this with an outside application.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Office of the Attorney General Consumer Protection Division XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : XXXX XXXX Equifax LLC Dear Sir/Madam, I am writing to formally lodge a complaint against Equifax LLC for violations of my rights as a consumer. I have also submitted all relevant supporting documents to the Office of the Attorney General for further assistance in this matter.

Despite my efforts to resolve these issues directly with Equifax, I have encountered numerous stall tactics, which I believe are intended to delay a resolution. This has caused me significant distress and inconvenience, and I am seeking your assistance in addressing these violations.

Enclosed are the supporting documents that detail my interactions with Equifax and outline the specific violations I believe have occurred. I respectfully request that both the CFPB and the Office of the Attorney General investigate this matter and take appropriate action to protect my rights as a consumer. 

Thank you for your attention to this serious issue. I look forward to your prompt response. 

Sincerely,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX Trans Union LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing to you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1.My Full Legal name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX delete all other addresses, I can not receive mail or any correspondence nor do XXXX have access to any of these addresses please delete these outdated addresses and update the address with the one above.

My only Phone number is ( 251 ) 513-9302 Delete any and all other phone numbers.

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX, AL XXXX Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I called the creditor to defer my payments on the account due to COVID and the negative impact it had on my income. I was advised that this would NOT negatively impact my credit. My next payment due date was XX/XX/XXXX in the amount of {$330.00}, but was advised that the account would be frozen until XX/XX/XXXX. 

I called again on XX/XX/XXXX to extend the deferment since I continued to still experience a decrease in income due to COVID and was then told that my payments would again reset to {$0.00}, with the next payment due XXXX. I called on XX/XX/XXXX to make a payment of {$330.00} ( the amount I was told was currently due on the account - confirmation # XXXX ). I was told the next payment amount due would be for {$350.00} and did request an additional extension with the next payment being due on XX/XX/XXXX. I again made sure nothing would negatively impact my credit. I was advised to pay {$350.00} in XXXX to avoid a 30 day late and had made that payment on XX/XX/XXXX ( again being advised by the agent that I had no incurred a 30 day late payment. 

It turns out that the creditor did in fact report me 30 days late in XX/XX/XXXX which devastated me since I had never had issues like this, AND have been a customer since XXXX with excellent payment history. 

The result of this has greatly reduced my credit score and has put a hinderance on me and my family purchasing our new home. I feel I was poorly communicated to and was very misled on the outcome of my deferment after being VERY well assured that this would not impact my credit.
Product: Credit card

On XX/XX/year> I noticed unauthorized charges on my Chase XXXX credit card. XXXX. {$60.00} for XXXX XXXX. {$660.00} for XXXX XXXX XXXX XXXX. {$270.00} for XXXX. I immediately contacted Chase and reported these and they subsequently gave me the statement credit for all three charges. The same day, I received a package to my house addressed to me. In the package was a baby formula, and it was from XXXX. I did not order this. I do not even have a baby. I checked my XXXX account and did not find the order either. Through my XXXX account I reported this package as unsolicited package. 

Last week, I noticed that the charge for grocerycom was reposted and was in my latest statement for chase credit card. I contacted Chase and they said they found sufficient evidence to think that the charge was valid and has since reposted the charge. Their evidence was that the purchase was made with my name and was delivered to my address. They said that it was a box of baby formula. I then made a connection between the fraudulent charges and the unsolicited package of baby formula I received. I explained to Chase that I did receive the baby formula but I didnt order it and I still have the product sitting in my house as I didnt know what to do with it. They reopened my case and said the specialist will look into it further.

Today I contacted Chase to get an update, and I was told to contact the recovery department tomorrow during business hour. 

Few hours later I received an online letter from Chase saying they are not going to reverse their decision.