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

I opened a Chime Bank account on XX/XX/2024 as I was referred by a friend. Since opening a Chime Amount of have experienced numerous unauthorized transactions from various online gaming establishments. I have files CFPB complaint number XXXX in regards to the most recent 95 unauthorized charges totaling {$3900.00} that were made to XXXX XXXX XXXX 

Within this complaint I would like to address the unauthorized transactions that I disputed with Chime Bank under dispute XXXX that occurred from XX/XX/2024 to XX/XX/2024 for XXXX XXXX XXXX as listed below that total {$3500.00}. 
Date Amount XX/XX/2024 {$10.00} XX/XX/2024 {$20.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$20.00} XX/XX/2024 {$20.00} XX/XX/2024 {$50.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$25.00} XX/XX/2024 {$5.00} XX/XX/2024 {$30.00} XX/XX/2024 {$20.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$20.00} XX/XX/2024 {$50.00} XX/XX/2024 {$20.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$20.00} XX/XX/2024 {$20.00} XX/XX/2024 {$20.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$10.00} XX/XX/2024 {$100.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$50.00} XX/XX/2024 {$20.00} XX/XX/2024 {$20.00} XX/XX/2024 {$20.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$20.00} XX/XX/2024 {$5.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$20.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$20.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$100.00} XX/XX/2024 {$100.00} XX/XX/2024 {$100.00} XX/XX/2024 {$50.00} XX/XX/2024 {$100.00} XX/XX/2024 {$50.00} XX/XX/2024 {$100.00} XX/XX/2024 {$100.00} XX/XX/2024 {$100.00} XX/XX/2024 {$100.00} XX/XX/2024 {$100.00} XX/XX/2024 {$100.00} XX/XX/2024 {$100.00} XX/XX/2024 {$100.00} XX/XX/2024 {$100.00} XX/XX/2024 {$100.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} Chime Bank denied by dispute with their standard response of " Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. '' I have requested the investigation documents however to date have not received the information,
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023, I fell victim to several multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX in XXXX from my Crypto.com account to fraudulent investment firm ( s ).
Product: Credit card or prepaid card

I had a Bank of America BANKAMERICARD where I had a $XXXX   minimum payment due each month that I had set to be automatically paid from my bank account each month. I had this set up by a banker when I received the card. Upon moving to my new house, my billing information and address changed which messed up my automatic billing and all communication with the bank via mail. I do all of my communication with the bank through the mail and this is how I check the amount of money that is due on my card and if my payments had successfully gone through.  Therefore, relocating to a new address caused my automatic payment to fail which caused me to be delinquent on my BANKAMERICARD account for the months of XX/XX/XXXX and XX/XX/2018. Not knowing that my automatic payment was messed up caused this issue and it was compounded when my address change caused the mail that the bank was sending me to go to my old address. This cut off all communication with me and the bank and I was unaware that I was missing a payment until an associate at Bank of America called me on XX/XX/2018 to let me know that the account was delinquent. I then immediately made the payment that I was owed to the bank.
Product: Checking or savings account

My Aunt which has be living with us passed away on XX/XX/year> and was the account owner I was on the checking account so I when to bank to closed I was told to submit a form and death certificate which I did and and have it notarized. 
I been checking to see if account was closed every month and was told if could take 3 to 6 to close? 
They been charging a service fee for the last four months. 
No spouse or children 's. 
We are they only family. 
The bank is Bank of America XXXX XXXX NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I seen hard inquires on my credit report. Those hard inquires are fraudulent. So I tried to contact the company but I did not get any resolution. 
So I would like to dispute the hard inquires.
Product: Checking or savings account

I have SSA direct deposit on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX auto withdrawn {$180.00} from my checking account on XX/XX/XXXX. Funds were not enough to cover this amount. I called US bank spoke with representative who promised me that the bank would clear {$180.00} XXXX XXXX XXXX and not to worry. This conversation is recorded. I checked my bank on XX/XX/XXXX and the payment was returned. I called the bank on XX/XX/XXXX and spoke with a supervisor who promised me XXXX XXXX Bank would put the payment through again and not to worry. XXXX XXXX did not put the payment through again. I have never missed a payment ever in over 10 years with XXXX XXXX. My relationship with XXXX XXXX XXXX is now damaged. If the US Bank representative didnt provide me with misinformation I would have taken other measure to secure the payment. US Bank mislead me lied to me and has ruined my credit. US Bank caused me serious harm. I want US Bank to apologize to me look into my matter and provide me with a letter of the banks error so I can try and salvage my relationship with XXXX XXXXXXXX XXXX
Product: Checking or savings account

I deposited a cashiers check to my account at BoA on XX/XX/XXXX, it stated that my deposit would be ready the next day but when I made the deposit, I was told after that I would get it on XX/XX/XXXX. I have no money for XXXX. If BoA was honest about the hold I would have took my check to a check cashing place. Its not right for BoA to do that to its customers, now I cant feed my family or pay my rent. I spoke to multiple agents about this at BoA and they couldnt explain why it would take over a week to verify a cashiers check when the payee is XXXX XXXX.
Product: Credit card or prepaid card

XX/XX/XXXX - -purchased new refrigerator from Best Buy for {$2300.00}. Best Buy offered me {$200.00} to open credit card and purchase new refrigerator using card that is backed by Citibank. 
Received new card and activated on XX/XX/XXXX - registered online to set up e-statements. Notice there as an additional charge $ {$1.00} from some parking garage in another language charged to card/account on XX/XX/XXXX. Called number on card to report. They mentioned that there was another charge in the amount of {$95.00} from XXXX XXXX XXXX and asked if i made that purchase. I told them I did not and again, reminded them that I just received the card and activated it. They asked me multiple times if I made this charge or if anyone with access in my household made these charges and the answer is no. I reminded them again that I just received the card/activated. They opened investigation and said it would take 7-10 days for full investigation. When I looked at the account the following day, the charges were made in XXXX. I live in Pennsylvania. 
I called company again on XX/XX/XXXX because there was a notification online that there was an issue with my account. When I called, they had trouble verifying me because I wouldn't provide my social security number and my cell phone was only added to my account the other day. They finally verified me by calling my home number and the issue was just that my card was closed and a new one was on the way and the investigation is still pending. 
Somewhere along the line, my information was comprised between my initial purchase and my card being sent to me.
Product: Student loan

About two weeks ago my loans were forgiven, which I am eternally grateful. I have been in repayment for over XXXX decades, however, the date of forgiveness indicates that it was XX/XX/year>. This is clearly an error, but when I called Mohela yesterday, the rep didn't seem to understand the issue and kept pointing to the wrong date. She then talked to a supervisor, and together they refused to acknowledge the dates prior to consolidation, even after I pointed it out to them that the law clearly indicates that forgiveness encompasses all months in repayment, including months prior to consolidation. They claimed Student Aid is responsible for setting the date of forgiveness and directed me to them. I immediately called SA, but their phone system goes through a loop and drops the call. Changing the forgiveness date helps avoid issuing a refund for years worth of overpayments. This needs to be corrected. On XXXX of my closed XXXX loans ( prior to being transferred to Mohela ), it indicated the term was for 405 months or XXXX years. This is the only count I've seen on any of my student loans with any company or organization, even after asking both Mohela and DE. I know other people could see how many months they were in repayment, but I never could, except on my closed XXXX accounts, which I am basing my count on. 

https : //studentaid.gov/XXXX  See this section : ***any time in repayment ( or deferment or forbearance, if applicable ) on earlier loans before consolidation of those loans into a consolidation loan. ***
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint once again to remove the fraudulent items off of my Credit File. My credit report appears to have been corrupted. I was looking over my records once more when I discovered a lot of information, accounts, or other things that did not belong to me. Due to my meticulous study, I discovered that you are required by law to erase and block any accounts or information that are determined to have been opened as a result of identity theft under section 605b of the FCRA. I do not own the objects in dispute. I've attached the necessary FTC Report for your records and the bank 's. Please get rid of the following things as soon as you can : 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. I will need all paperwork bearing my signature if you think there's a chance these accounts might be mine. Please be aware that I will take legal action if you don't offer any records while saying the item is verified. Both my attorney and I do not enjoy gaming. Thus, abide with the law so that this situation can be resolved quickly.
Product: Credit reporting or other personal consumer reports

My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on XXXX They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.
Product: Credit reporting or other personal consumer reports

This company has been allowed to post dept on my credit profile XXXX XXXX and Ive file complaints about with the credit report agencies but nothing is being done to rectify the situation and it this continues to negatively impact my credit score. Ive never been involved or done business with this company!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. This account is reporting late as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( XXXX XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXXXX/XX/1977
XXXX



Name: XXXX XXXX XXXX  Acct # XXXX XXXX  THIS ACCOUNT WAS NEVER PAID LATE


Name: XXXX XXXX XXXX
Acct # XXXX  Balance: XXXX XXXX This account isnt mine/ ID Theft


Name: XXXX XXXX XXXX  Acct # XXXX  Balance: XXXX XXXX This account isnt mine/ ID Theft


Name: XXXX XXXX XXXX
Acct # XXXX
Balance: XXXX XXXX  This account isnt mine/ ID Theft


Name: XXXX XXXX
Acct # XXXX XXXX  THIS ACCOUNT WAS NEVER PAID LATE
Product: Checking or savings account

On Tues XXXX we initiated a wire transfer from our checking account to our checking account in a different bank. As we are Citigold, we were told this was fastest way as we needed the funds quickly. 
When the funds were not transferred I called customer service and was transferred to security. After 1/2 hour of verification I was assured it would go through The next day it still had not transferred, so I again called customer service and again was on the phone with security for 1/2 hour I was assured I was cleared and transfer would be end of the day On Friday XX/XX/XXXX we went into a branch and found out transfer had been terminated. 
No reason was given! No one had called us to tell us. This was our money, in our account and Citi withheld it. 
We finally got it by teller check, but since so much time had passed it resulted in a financial loss to us As of XX/XX/XXXX it was still showing as a transfer on our statement. 
Again called customer service to have it removed Why was the transfer terminated and why were we not notified I have full documentation of all calls and emails.
Product: Money transfers

I am an attorney so I know the law of payment systems and I know a law was broken here. I went to a merchants website and hit the " go to paypal '' button. When I logged into paypal, the payment company transferred money out of my bank account and into the merchants account. This was done without my consent and no authorization occurred. I contacted paypal within the hour and paypal considers it a valid transfer even though I just logged into paypal without authorizing a transfer. Paypal calls this the new, improved " XXXX XXXX '' service where it make a fast and instant transfer without the usual customer review and consent. I want my money back of course but - more importantly - for paypal to stop this new practice of money transfers without consent or authorization.
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer with the right to privacy. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information, to insure the security and confidentiality of customer records and information ; to protect against any anticipated threats or hazards to the security or integrity of such records ; and to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has continued to break to law while causing harm to my family.I have not given my written consent to furnish this account information and have I long ago contacted the creditor in writing and opted out off all communication regarding these 2 accounts. The continued inaccurate reporting of these 2 accounts shows that these companies have failed to adopt reasonable procedures which are mandated by federal law. Aside from the inaccuracies there are several experiences listed on my credit report that occurred between me and this creditor which violates the FCRA. Further, the IRS says that a charge off/cancelled dept qualifies as income, and I am supposed to receive a 1099-c from the creditor to claim my income, ( which this creditor has failed to provide ). Specific information regarding my income should not be advertised on my credit report. Lastly I have never received a bill statement from this creditor in a timely manner as required by law, yet until this account closed they continued to credit my account with late payment and additional charges. The negligence of these financial institutions have caused myself and my family extreme harm and anguish. 

These financial institutions have violated the following Federal rules and regulations 15 USC 6802- ( b ) ( 1 ) ( B ) by failing to comply with 16 CFR 314.3 ( b ) ( 1 ) 15 USC 1666b- ( a ) by failing to comply with 12 CFR 1026.7 15 USC 1681- ( b ) 15 USC 1681a- ( d ) ( 2 ) ( A ) ( i ) by failing to comply with 12 CFR 1022.20 ( b ) ( 3 ) 15 USC 1681b ( a ) ( 2 ) IRS Publication 4681 The Privacy Act of 1974 I am asking the CFPB to investigate these companies negligence. 
These companies have made my life difficult in reporting this account for the for almost 6 years. Now it is XXXX and I'm not able to get my family what they need
Product: Debt collection

I had a debt in the amount of {$2900.00} from an apartment that my now ex-husband and I lived in. I paid that debt that was on my credit report in XX/XX/XXXX and that debt amount came off my report because it was paid in full. well in XX/XX/XXXX this debt collector came back up on my report for the same amount. I did not know it was in there until XX/XX/XXXX, and by that time my credit score had dropped. I have called them and emailed them my paid-in-full letter and they keep saying they have not gotten it. or they will say that it is under a different account number for the same amount and the same apartments. I don't think I should have to pay again for something that I have already paid off can you please help?
Product: Credit reporting 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 : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX  XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 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.
Product: Credit reporting or other personal consumer reports

Please be aware that this is my final notice that I am sending you before I move forward with suing your company due to negligence, defamation of character, and violation of the FCRA. The following account XXXX XXXX XXXX XXXXXXXX should be removed from my credit report IMMEDIATELY. I have attached the letter from XXXX XXXX  showing that you are reporting the wrong balance on my credit report. You are reporting that there is a balance of {$11000.00} which is completely incorrect. Also, the company is trying to collect a debt which is over the statute of limitations in the state of XXXX. The account was to be removed from my credit report in XXXX of XXXX, yet it is still reporting. You are also furnishing different information such as the balance and the Date last active. I will attach my credit report to this complaint showing the erroneous errors and the date showing that this debt is uncollectable and the account being over 7 years old. At this time, I am only requesting that this account be removed within 15 days. If this account persists, I will have no choice but to proceed with legal action against your company. Please see the attached docs and remove the aforementioned account from my credit report.
Product: Student loan

I requested a refund of voluntary payments made during the pandemic in XX/XX/2022. 
I was told that they could not provide me with a confirmation number or any specific details about my request, however they did provide me with the amount coming back to me. 
It is now XXXX, and I still havent received anything. Was told today this shouldnt take longer than 60 days and asked if I wanted to be transferred to resolutions. Have been on hold with them ( is this a real department?? ) for XXXX and counting. 
I understand MOHELA is getting the bad end of the student loan reform deal but they need to process these refunds for voluntary payments made in a timely manner. This is a federal program and MOHELA needs to adhere to the rules.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in lights of a recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and report reporting discrepancies my financial institutions and Zelle failed to investigate my claim adequately. They informed me recovering lost funds was impossible and tracking these transactions was infeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability And transparency is unacceptable and raises series concerns about consumer safety
Product: Checking or savings account

I had money taken out of my debit card for the amount of {$2500.00}. My phone had been stolen with other items and they are not willing to work with me for that amount. I sent them a police report.