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

On XXXX XXXX, XXXX, Chime sent me an email welcoming me to a new account which I had not opened. On XXXX XXXX XXXX, Chime sent another email saying a debit card was shipped. The address did not match my address. 

I called Chimes customer support on XXXX XXXX. They asked some personal information ( which I should not have provided ). I asked to close the account. They did not acknowledge they would do so. Instead they seemed to indicate that whoever opened the account had erroneously given my email and phone number. This did not sound plausible unless it was fraudulent. The customer support agent said that my email and phone will no longer get notified. Customer call ID reference XXXX ). 

Right after the call I got another email saying that the email address had been changed. The new email simply had XXXX added at the end of my email ID, before the @ sign. This is the same response Im reading other customers have also complained about on XXXX publicly. 

I emailed back again and asked to delete my account. Their reply again asked me for personal information, which I was not comfortable giving. I asked that they close the account associated with my email, where I was replying from. Again they did not confirm they would do so.
Product: Credit reporting or other personal consumer reports

I have disputed a XXXX account with all XXXX credit bureaus 2 times and in the last 3 months. It does not seem to be resolved. They keep accepting the creditors information and not doing a thorough investigation as I have supplied proof with my complaints to show that the information is incorrect and to either remove the account or to fix the issue. 

The XXXX account is not a lease, it is a loan. 
It also is a balance of XXXX and not XXXX. 
It also keeps allowing the creditor to remove and replace the account to my credit multiple times which is causing a tremendous drop in my credit rather.
Product: Vehicle loan or lease

I purchased a car XX/XX/2021, from Kia Motors XXXX, CA. But according to 15 U.S. Code 1605 - Determination of finance charge this code states that there should not be a cash down payment for consumer credit transaction. Kia reps continuously call and harass me on a daily basis. I already submitted {$4500.00} as a down payment ; I was not aware till further research that a down payment is not necessary upon a car purchase agreement. As a result, I would like to be refunded the initial {$4500.00} immediately.
Product: Credit card

My discover it credit card account was closed by Discover yesterday without any notice. I realize this case by receiving email from XXXX saying my payment is not successful. I never missed XXXX payment and did not do anything improperly. I was wondering why this is happening and called the service center. The only reason I learnt is " BUSINESS REASON ''. Not sure if this will affect my credit score. After searching on XXXX, I realize this is not only for me. Many XXXX card holders experienced the same situation. Hope this is not a discrimination thing.
Product: Credit card or prepaid card

The last communication I received from the company was on XX/XX/2023, stating that " our review and resolution process may take up to 60 days from the date dispute was initiated. Thank you for your patience and we will respond to you once our research is completed. '' I have now been placed in delinquent status and receiving daily phone calls about a past due bill for a product that I can not use.
Product: Credit card or prepaid card

Ive had an XXXX XXXX XXXX account since 1998. I had an interest rate of approximately 14.9 % initially that stayed that way for quite some time. Eventually, the card was merged with Citibank and it led to my interest rate being raised to 29 %. I paid this for awhile and decided to contact the card company to have my interest reduced due to financial hardship. I was denied any leeway on the payments or interest despite my long tenure with the card and asking for temporary assistance. I continued contacting Citibank to request an APR decrease but was always denied. Im still looking for a resolution to this issue so I can make my payments without further putting myself in a financial bind.
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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, 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.
Product: Credit reporting or other personal consumer reports

There is a mortgage on my credit report from my Ex-spouse. I have provided documentation to both XXXX and Shellpoint-New-Rez proving this. They refuse to remove it from my credit report. Previously companies have honored the court order and removed it anytime it has surfaced through sales/transfers of the loan ( not in good standing ) This company refuses to do so.
Product: Mortgage

To Whom It May Concern : On XX/XX/XXXX I submitted a request for PMI removal on my home with my loan servicer at the time XXXX XXXX XXXX XXXX XXXX XXXX  ) after my submission I was informed that the my servicer was going to be changed. I called XXXX immediately upon receiving the letter, and was told that there would be no problem and to proceed as they had cashed my check for the broker price opinion to prove the loan to value ration was below the required threshold. It is now almost 3 months later and PHH mortgage services who took over has not taken any action on my request. I have called several times and spoken with the escalation team who told me to just wait. At this point this is costed me {$1000.00} for their delay. No one at PHH can give me a timeline of events or expected completion time. I do not feel confident in their abilities or that they are even processing my request.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These damages have caused significant inconvenience and financial lost, and I seek appropriate redress for these violations.
Product: Credit card

XXXX through Barclays I agreed to free trial of a XXXX service that would renew each year started on XX/XX/XXXX Cost XXXX I provided my credit card that expired on XX/XX/XXXX. ( From memory ) To be used for renewals As a matter of practice I use credit cards for automatic renewals. I do this so if don't remember a service that is being charged to me, it will be flagged once the card expires and I will be asked to update my card information to continue the service. 
As it turned out I never used the service after the free period and it was my bad I did not cancel it So there were valid charges made through XX/XX/XXXX But when XXXX came around I found a charge on XX/XX/XXXX on an expired card I contacted Barclays to get the charge removed and they denied the request. 
Now when I was issued a new card due to expiration it had the same card number but different expired date ( XX/XX/XXXX ) and different security code The data provided to me by Barclays from the merchant had the following information about the order Card holder. My name Expiry date. XX/XX/XXXX XXXX. Not supplied Postal code and address match Now I don't own any card with that expiration date So I asked Barclays how they accepted a charge from a merchant that did not have the correct expiration date They said it is their practice to allow this! 

As far as I am aware the expiration date is required information when attempting a transaction I believe it is Barclays responsibility to protect the security of my account and I believe their acceptance of this transaction violates that trust. 

I am also not sure how it is okay for the merchant to create a transaction and enter a expiry date that is not the one on the card they have on file. 
As long as I am venting... Barclays requires callers to consent to being recorded when talking with them, I am fine with this, but they will not consent to you recording the same conversation. Is this a valid policy for a company in the financial industry? 

T Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

I have went to Court and won against this company and should be removed from my credit I was a victim of Identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I received an auto loan from Credit Acceptance Corporation. Throughout the lifetime of the loan, I experienced numerous inaccuracies reported by Credit Acceptance on my credit report. Some of the inaccuracies were corrected after having to jump through hoops with Credit Acceptance Directly, yet  additional inaccuracies continued to show up on my reports. Currently, I am in the process of purchasing a house and am reviewing the negative accounts on my credit reports and Credit Acceptance is one of them. After looking into the payment history, I realized that Credit Acceptance has multiple 30, 60, 90 day  late payments on my account, including listing the account as late when closed ( which is impossible if the account was paid in full ). There was only one time that I was late on my loan with Credit Acceptance and that was in XX/XX/XXXX. I have tried to call CAC directly to correct the errors and their customer service team has refused to acknowledge that I ever had an account with them.
Product: Checking or savings account

I have been using Majority bank checking account which was opened and approved on XX/XX/2022. I had initial issues with not being able to use my funds in the account but they sorted the technical error and I could start using my account from XX/XX/XXXX. The account allowed me to use my credit card and fund the account which was a feature of the account and I used it till XX/XX/XXXX. On XX/XX/XXXX, I sent an email to the support team of Majority that I am not able to deposit funds using my card that was added to the account. They asked me if the card is a debit or credit card to which I responded that it was a credit card. They said that its not allowed to deposit funds using credit card. However, I was able to do it for the past 15 days without any issue. Finally, on XX/XX/XXXX, they sent me an email that they will be closing my account without giving me any reasons and asked me to withdraw funds from the account by XX/XX/XXXX. I found it unfair and disrespectful for abruptly asking me to withdraw funds as they solely decided to close my account without any reason.
Product: Money transfer, virtual currency, or money service

Using the XXXX application on the bank was not told of proper procedures and warnings
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some major issues and major errors on my credit report that I need addressed immediately. My name is XXXX XXXX XXXX. My SS is XXXX. 
My DOB is XX/XX/XXXXPlease remove delete ANY OTHER name and SOCIAL SECURITY NUMBERS. the following addresses are not accurate please delete them : XXXX XXXX PL XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX PL # XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX
Product: Checking or savings account

On XX/XX/year> I put XXXX cash into my account because I was going to pay my rent. Later that day I paid for my service dog paperwork for his class and XXXX XXXX  myself money so I could use the rest when I get home. While I was on the train I lost my wallet and phone. So the next morning I went down to the train station and asked them if they had anybody drop off a phone and wallet. They told me no and to wait a couple days for it to turn up because a lot of people turn around and turn items in. So I waited a week and the train station said they didnt receive any call or anybody walking in to turn items in. So I went to the bank and told them what happened and they told me to wait until my transactions posted to file a fraud claim. So I waited until that happened and then I called them on the XXXX of XXXX to file my claim. Then I waited until today to call about my updated information. Chase bank told me it was denied and I need to provide documentation. So when I asked what kind they did not specify and not being fully cooperative with me.
Product: Credit reporting or other personal consumer reports

I was affect by the Equifax Data Breech per the data breach website, " Based on the information you provided, our records indicate your personal information was impacted by this incident. '' I have several items that ONLY appear on my Equifax Report. 

1. XXXXXXXX XXXX XXXX for $ XXXX a collection that XXXX and XXXX has removed due to FRAUD. 

2. XXXX XXXX XXXX for $ XXXX a collection that XXXX has removed. 

I fear that Equifax has not protected my personal information and their data breech has allowed for items to appear on my credit report longer than they should.
Product: Debt collection

XXXX XXXX bundled their services into on account when I obtained a smart phone. After I received my first bill from XXXX, I realized there was no way I could continue using the smart, cell phone without getting myself in serious financial trouble. I spoke with someone in customer service about my dilemma and requested that my wireless bill be separated from my television and land phone. That was accomplished, however, when paying my bill for the original service, the money was applied to the wireless account. The only way I could stop the excessive charges was to stop paying the entire XXXX service package. I still had my cell phone services with XXXX and I switched to XXXX where I previously had my cable services and am very satisfied with XXXX for the past XXXX ( XXXX ) years. XXXX " held my feet to fire '' for many months, charging me for wireless cell services that I did not use, could not use and had no intention of using. XXXX turned the account over to a collection agency in 2011 and subsequently it was turned over to XXXX ( XXXX ) more collection agencies. I disputed each agency handling the account and each one closed and returned it to XXXX. I do not know which agency is reporting the item to the XXXX credit reporting agencies but it is a blemish on my credit record. I use only a debit card and do not have a credit card. I have a XXXX ( XXXX ) year old automobile that I made XXXX ( XXXX ) payments on and was never late on any payment. It is time to replace the car but I ca n't because of the XXXX bill on my credit record. I am XXXX ( XXXX ) years old.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of a fraudulent account and unauthorized inquiries on my credit report, as I am a victim of identity theft. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my right to request the removal of this unauthorized information. 
Fraudulent Account : XXXX. XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Date Opened : XX/XX/year>XXXX XXXX Balance : {$160.00} Unauthorized Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter ( attached ) to all three credit bureaus asking them to validate 2 accounts on my credit report and to correct a duplicate account. 
30 days have passed and I have received no communication from any of the credit bureaus to acknowledge my dispute or to show that these accounts were researched and deleted for non-verification within the 30 day timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a few letters off on XX/XX/2022. Here are the tracking numbers XXXX, XXXX, XXXX. Also I submitted to the FTC reference number XXXX To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. no financial institution is supposed to share my information to third party companies.

These are clear violations of my federal protected consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

This company called XXXX XXXX say I have a open account with XXXX XXXX. There is another company who is handling this case I filed Bankruptcy in 2011 the account XXXX XXXX has was discharged chapter XXXX I do owe XXXX XXXX money but not from XXXX XXXX that credit card was paid off or discharged
Product: Credit card or prepaid card

I had booked a trip with a travel agency ( XXXX ) for a hot air balloon ride in XXXX. The trip cost included- 1. Pick up and drop to the hotel. They would pick us up from our hotel, take us to the balloon ride spot and then drop us to our hotel 2. One hour balloon ride The trip operator did not pick us up or drop us from the hotel. Instead we had to arrange our own ground transportation.

The balloon ride lasted 25 mins instead of the 1 hour advertised. 

I tried to resolve this with my credit card company ( AMEX, with which I had booked the trip ) and with the tour agency but my request for refund was rejected.
Product: Money transfer, virtual currency, or money service

Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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. 

XXXX Bank Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, have violated my rights. 

15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c. ( a ) ( 4 ) Section states Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer ; or ( 7 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a veterans medical debt if the date on which the hospital care, medical services, or extended care services was rendered relating to the debt antedates the report by less than 1 year if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.
Product: Credit card or prepaid card

I submitted two payments to Synchrony Bank ( Lowe 's ) for the XX/XX/2023 due date. One was an automatic payment of {$200.00} and the other was an additional {$2000.00} to payoff the non-promotional balance. My account election on the Lowe 's portal dictates that any payment goes to the minimum payment first, then non-promotional balances, and finally promotional balances. Synchrony Bank honored the payment allocation on the automatic {$200.00} payment, but split the {$2000.00} payment equally between non-promotional and promotional balances resulting in additional interest charges of {$60.00} and {$50.00} in XXXX and XXXX statements. 

I submitted a request to correct my payment twice, waited a few weeks for resolution, and later learned they would not correct it, resulting in the second month of additional interest expense.
Product: Credit card

I am disputing the collection account with AUTOMOTIVE CREDIT CORP, account number XXXX, dated XX/XX/year>, with a balance of {$00.00} This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that AUTOMOTIVE CREDIT CORP, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.