23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I obtained a consolidated student loan with ACS in XX/XX/XXXX. In the XX/XX/XXXX another consolidated all my loans again and the loan with ACS was paid in full and closed. On XX/XX/XXXX, I received an alert on credit check total that ACS had flagged my credit report with negative information. ACS decided to report my CLOSED and PAID account as CURRENTLY 120 days past due. The account has been CLOSED and PAID since XX/XX/XXXX. As you can see from the attached evidence ACS is reporting that the CURRENT status of this account is 120 days past due which is defamation and false reporting under the FDCPA. My score decreased because of this misrepresentation. I do n't currently have an account with ASC so why are they reporting a PAId and closed account as 120 days past due in XX/XX/XXXX? Please correct this misrepresention of my account IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing complaint because the credit bureaus has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all  informatio which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Checking or savings account

I was 40 miles away from my house going to a final inspection of my new house when I received a notification from Chime that {$500.00} was removed from my account via atm. I immediately reported the fraud and had them cut off my debit card. I filed a fraud report since I did not take that money from my account. Later that week after I reported it as fraud I was told by Chime that it was not a fraudulent debit and that it had been done with a pin and there was no failed attempts. But after checking what ATM machine it was withdrawn from and several phone calls to XXXX and the XXXX XXXX XXXX Police department we determined that the address given by Chime in the alert was a bogus address and does not exist. XXXX also confirmed that they do not have an ATM in that area. We resubmitted what we had found to Chime and they still refuse to return my money. They never even asked me any questions or did any investigation as far as we know. I have attached their idea of a questionnaire to " investigate '' my claim not sure how they used it but it is not really much. They never called me or spoke to me on the phone regarding my claim. The attached from is their idea of information used in them determining if my claim was valid. There is a bunch of emails from an automated system if you want those.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts on FTC report are not my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The 3 Bureaus Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. This inquiry is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need this inquiry to be removed. 
XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On Tuesday XX/XX/XXXX I filed a dispute with chime over unauthorized transactions for XXXX and XXXX. When I first called to reset my phone number I told the lady I did not have my chime catd. She told me she was going to reorder me one. I got an update about them changing my phone number in the text message. But no text messages or emails about these transactions that came out of my account. So when I logged in to get my digital card and send some money I seen that it was gone. I called chime right away and Filed a dispute. Not even a few hours later they denied it with no explanation.
Product: Credit card or prepaid card

Chase is charging me {$7.00} interest on a credit card, despite the fact that I agreed to a balance transfer with 0 % interest. 

They are citing my annual membership fee, which I paid without letting it carry over into the following months statement. 

They are also citing a transaction which was full covered by a membership benefit. This is unfair, predatory, and misleading behavior. 

I should not be charged this {$7.00} in interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUD

THIS ACCOUNT SAYS CLOSED BUT CURRENT
IT DOESNT MAKE SENSE, NOT MY ACCOUNT
ONCE AGAIN I WAS BED RIDDEN WITH COVID FOR OVER A YEAR SICK MULTIPLE TIMES, I HAD A XXXX  SCORE BUT NOT A XXXX, MY CREDIT HAS BEEN RUINED OVER THESE ACCOUNTS
ayment Status	Current
Past Due Amount	--
Highest Balance	XXXX
Monthly Payment	XXXX
Times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I went in to Bank of America in  XXXX   XXXX  in Georgia to cash a check drawn on Bank of America that my husband wrote to me I was given a pamphlet indicating that beginning  XXXX   XXXX  they will start charging {$8.00} fee for non account holders to cash a check drawn on Bank of America I think that is discrimination and pressure to have people open bank accounts I choose to bank with another bank and choose not to deposit the check into that bank because I prefer to get the cash. Banks should not be allowed to charge consumers who do not bank with them to cash a check from an account holder that banks with them it is simply greedy and unfair
Product: Mortgage

We went on covid forebearance with our mortgage company starting in XXXX of XXXX. 

Last XXXX ( XXXX ) we opted to do a loan modification to get back on track and start making payments again. Freedom Mortgage sent us an offer letter based on the current finance rate ( 3 % interest ) and we accepted the terms. 

After we accepted, they sent us loan documents the next month in XXXX ( XXXX ). On those loan documents, my last name was wrong. We contacted them immediately to let them know after our notary wouldnt let us sign them without my name corrected. 

Over the next few months, I reached out to Freedom Mortgage monthly and sometimes weekly, and sometimes several times a day to ask where our corrected documents were. I was getting nervous about the delay in getting our documents. I was told over and over that the delay in getting our new documents wouldnt affect the offer they sent us in XXXX & that we could still get the same interest rate in their original offer. That was a lie. 

They told me in XXXX ( XXXX ) to resume payments in XXXX in harmony with our XXXX loan offer, so we resumed payments on XXXX first & we have continued to make the payments we agreed to in their offer letter. 

Starting in XXXX, each time I called theyd wait a week or two then ask for something else from us. Ive sent my marriage license, drivers license, etc. So they have no reason not to know that my name is, indeed, incorrect on the loan documents they originally sent. 

To this day they still have not sent us corrected documents. 

Instead : As soon as the interest rates went up, they made us another offer based on the current rate. And heres the crazy part : they sent us loan documents with my name WRONG again. So I can not sign these new documents again even if I wanted to. I let them know immediately that the new documents were incorrect and I could not sign them. Freedom Mortgage has made no attempt to correct the loan documents. Instead : Freedom Mortgage just initiated foreclosure proceedings saying we havent been making payments, but we actually have been. We havent missed a payment since XXXX per their instructions. There was a tax increase that went into effect that I missed because we are not getting our normal statements, but I caught it in XXXX and made a payment to catch us up. 

Its insane to me that I could lose my house because of their mistake, especially when weve been making payments.
Product: Student loan

I took a leave of a sense and when I returned the school was shut down and no longer exists
Product: Credit card

XXXX XX/XX/year>, I used PayPal Credit to purchase an XXXX purchase for a XXXXXXXX XXXX XXXX Mascot headdress. {$850.00} was charged to the online credit account. Prior to the purchase, I corresponded via XXXX 's messaging system with the online store proprietor on what I wanted and expected. See all attached documentation. To summarize, I did not get an XXXXXXXX XXXX XXXX Headdress. I received an ugly and ridiculous green monster head that did not function as expected. I tried to resolve this with the merchant but she was more interested in keeping my money than making me happy. I eventually opened a case with PayPal to dispute/mediate the matter. I supplied PayPal with all of the messages between myself and the merchant. PayPal resolved the case in favor of the merchant because they claim they asked me for additional information and I never replied. I never received a request for additional info. I couldn't give them additional info anyway since I gave them EVERYTHING they needed to make an informed decision including pictures. I was not happy about the decision and PayPal suggested that I dispute it with PayPal Credit which issues the credit line. I initiated the dispute with them and sent them the same exact information. PayPal Credit did a temp reverse charge and the merchant reached out to me and threatened me and my family. I filed a police report to reflect this. The XXXX 's husband/brother actually was stupid enough to leave text messages. Case # XXXX. The investigating Officer even said I should get my money back once he saw the sub standard and defective headdress I received. 
Please refer me to a consumer attorney if we can not resolve this quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to follow up on my previous dispute regarding the inaccurate information that is appearing on my credit report. It has been brought to my attention that Equifax has completed its investigation, but I am disappointed to learn that the inaccurate information remains on my credit report. 

As I mentioned in my previous correspondence, this collection is not related to any transaction that I made, and I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. The reporting of inaccurate information has caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. Additionally, I believe that the inclusion of this inaccurate information on my credit report is a violation of the following codes : [ 15 US C 1681 section 604 A Section 2 ], [ 15 USC 1681 Section 602 ], and [ 15 US code 5 1681b ]. 

Therefore, I am requesting that you take immediate action to remove the inaccurate information from my credit report, specifically the account related to the trade XXXX  - XXXX XXXX  with the account number XXXX. Furthermore, I request that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report, with the XXXX XXXX XXXX XXXX  account completely removed from it. In accordance with the FCRA and CFPB guidelines, I expect your prompt response within 30 days of receipt of this letter. 

Please be advised that I am willing to take all necessary legal steps to rectify this matter, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if necessary. I hope that it will not come to that, and that we can resolve this matter in a timely and efficient manner. 

Thank you for your attention to this matter. 

Sincerely, [ Your Name ] CFPB Codes : Bulletin 2013-1 Section 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act Section 1681s-2 ( a ) of the FCRA Section 1681b of the FCRA
Product: Debt collection

VERIFICATION OF DEBT REQUEST RE : account number XXXX Alleged debt in the amount of {$11.00} Dear H & R Accounts, INC. After reviewing your dunning letter, I have some concerns about the validity of your reporting/request. This letter is being sent to you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ). I am hereby disputing this alleged debt, invoking my rights under the FDCPA, FCRA, and any other applicable state laws as well. Request is hereby made that H & R Accounts, INC. and XXXX XXXX XXXX provide me with clear and convincing evidence ( i.e., original contract bearing my wet ink signature ) that I have a legal obligation to pay you and or the original creditor for the amount in dispute. Accordingly, please provide me with a complete accounting of the alleged debt H & R Accounts, INC. claims I owe within thirty ( 30 ) days of your receipt of this correspondence. This proof must include and is not limited to : The original complete and signed contract proving that I have any obligation to H & R Accounts, INC. for the alleged debt obligation which is the subject matter of this dispute. An itemized breakdown of what H & R Accounts, INC. claims the payment is owed for. Explain and provide me with the method utilized to calculate the amount in dispute. Provide me with copies of all documents, ledgers, spreadsheets, etc., that provide evidence that I consented to pay the amount H & R Accounts, INC I owe. Identify the current owner of the alleged debt. Identify and accurately describe any third-party costs for which H & R Accounts , INC is charging me, and that you have included in the disputed amount along a complete itemization of all such charges. Provide the payment history including my signatures for all charges claimed from use of the credit instrument. Im disputing the amount shown on the consumer report. Provide me with an affidavit that the Statute of Limitations has not expired on this alleged debt account. Provide me with you and your clients proof of Good Standing under the laws of South Carolina and the Secretary of State along with information regarding your Registered Agent for Service of Process. Provide a statement showing the relationship H & R Accounts, INC has with XXXX XXXX XXXX, and advise how H & R Accounts, INC gained access to my private personal data without my exclusive written consent. Dated : XX/XX/year> XXXX XXXX XXXX XXXX
Product: Checking or savings account

I did not receive Citibank promotional bonus {$700.00} at XX/XX/XXXX, however I confirmed with Citibank 3 times that all the requirements and criteria were met, and I was assured by Citibank 3 times that they would credit me {$700.00} around the beginning of XXXX. 

Detail timeline and actions : 1. At XX/XX/XXXX, I opened Citibank Priority Package with the promotional bonus {$700.00} upon meeting all the requirements. ( attached promotional web page screenshot - " promtionx '' ) 2. At XX/XX/XXXX, I checked the Citibank agent about the status of the bonus and the agent confirmed I had met all requirements and {$700.00} would be credited at XX/XX/XXXX. (  attached the chat screenshot - " XXXX '' ) ** XXXX at XXXX, XX/XX/XXXX : I see here that you made the required deposit amount on XX/XX/XXXX and maintained it for 60 days from the date of the deposit which was until XX/XX/XXXX. It states here that the cash bonus will be credited within 90 calendar days from the date that you completed the 60 days requirement to maintain the deposit. It should be credited on XXXX XXXX. " ** 3. At XX/XX/XXXX, Citibank agent reconfirmed all requirements were met to receive the bonus and I would receive the bonus at XX/XX/XXXX ( attached the chat screenshot - " XXXX '' ). 

** '' XXXX at XXXX, XX/XX/XXXX : I review this for you and see that the account did met the requirement should be credited to the account on or before XXXX XXXX '' ** 4. At XX/XX/XXXX, I contacted Citibank agent again since I did not receive the bonus at that date. Citibank agent again confirmed I met all criteria and asked me to wait till XXXX XXXX XXXX ( attached the chat screenshot - " XXXX '' ). 

** '' XXXX at XXXX, XX/XX/XXXX : I see that you have opened your account on XX/XX/XXXX 1. You have deposited the fund before 30 days that is on XX/XX/XXXX 2. You have maintained the balance for 60 days which is till XX/XX/XXXX I see that you have fulfilled all your criterias on XX/XX/XXXX Usually it takes 90 days to get credited in your account after meeting all the requirements which is XX/XX/XXXX. 

Your patience will be appreciated. 

I'm sorry if you have been provided any incorrect information earlier. 

Sincere apologies. " ** 5. At XX/XX/XXXX, a dispute about bonus was filed to Citibank. At XX/XX/XXXX, the dispute result concluded I was not qualified for the promotional bonus ( attached the dispute result letter - " document '' ). 

It was not acceptable to me that Citibank confirmed yes several times at first but did not honor it in the last.
Product: Debt collection

1.Documentation of all assignments showing the transfer of the debt from the original creditor to the 2.Proof that the original creditor securitized the debt.

3. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The following account is inaccurate and has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX, Account # : XXXX XXXXXXXX, Amount : {$490.00} 15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681Section 604A Section 2, also states a consumer reporting agency can not furnish a account without my written instruction.

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. 1781s-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, 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 U.S.C 1681 15 U.S.C 1681 section 602 A. States i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 also states a consumer reporting agency can not furnish a account without my instruction 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, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 


XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX US SM BUS ADMIN ODA Inquiry date XX/XX/XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased a couch from XXXX XXXX for {$3400.00}, and used my Discover Card. The couch was supposed to be delivered in XXXX weeks, which should have arrived between XXXX ( confirmation attached ) On XX/XX/XXXX, I received an email from the former CEO, XXXX XXXX, apologizing for the delay and changing my delivery date to XX/XX/XXXX. There was a link at the bottom of the email to fill out a form to cancel your order, but it was a simple XXXX XXXX  and I did not receive a confirmation/receipt for completing the form and no response after completing the form ( email attached ). 

On XX/XX/XXXX, I called Discover to dispute the transaction stating that the company was entering bankruptcy and that I had not received my couch and that it was beyond the original delivery time frame. 

On XX/XX/XXXX, XXXX XXXX avoided bankruptcy and entered an XXXX. Sold parts of the company to XXXX, but did not sell the past orders. ( News Story Attached ) Over the course of XXXX and XXXX there was a website, XXXX, to check the status of orders. Which finally ended with " CAN NOT BE PRODUCED '' ( All status updates attached ) I contacted Discover Card multiple times over the course of the two months and was asked to provide multiple forms of documentation to prove my case. I provided the proof of purchase, all status updates, the communication about the XXXX process, confirmation that my order would not be produced ( attached response letter from Discover showing all phone calls placed ). 

On XX/XX/XXXX I received notice from Discover that my dispute was settled in favor of the merchant.
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 1681XXXX XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.