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

My paycheck comes on Monday or Tuesday night late it is submitted on Saturday night or Sunday over XXXX XXXX weekend on Sunday I received I believe the first text saying that I had 2 accounts and they need verification that I am who I am. I had ordered a chime account they sent a card I lost it I ordered another one. They did not cancel the old card but rather kept the {$570.00} on it and issued a new card along with my credit builder card which I activated at approximately the same time since they did not cancel and transfer the old card it made me have two accounts and the representative I talked to told me it was on chime and that they had made the mistake they asked for my ID proof of residence social security card signed. I sent all of that in and still have not got my account unsuspended. I replied to every email along with sending emails and called nine different times I'm not getting anywhere I face eviction court in the morning because my rent is not going to be paid due to the fact that my direct deposit is not accessible and the old part of XXXX is not accessible and hasn't been for months when I called to see what was going on and why it wasn't transferred that's where I got the explanation and then they suspended my account for having two accounts. I have not had water for a week and I'm facing eviction now and not a XXXX to my name because they will not unsuspend my account and return my money or just return my money they can not help me over the phone they say they don't have the equipment or means to receive the things they need over the phone even though it says in the email to provide the information in the email and then call customer service the email says to provide what they need and then call customer service which I have done numerous times nobody can help me and my money is not being released and my account is not being unsuspended and all this because of their error I have a XXXX XXXX XXXX daughter and I'm about to lose my house I think this is means enough to contact you
Product: Credit reporting or other personal consumer reports

I ordered a laptop computer from XXXX XXXX and set up financing for 6 months, interest free if paid off by the end of the 6 months. XXXX  supposedly delivered the package to the mail center at the apartment complex where I live. The mail center is a stand-alone building which is unsecure, with no doors and is open to all who want to walk inside. XXXX  left the package in the open, which you can see in the attached proof of delivery photo. I received a message, from XXXX, that my package had been delivered that included the proof of delivery photo. I read the message, when I finished work, and went to get my eagerly anticipated new laptop. By the time I walked over to the mail center, the mystery box was not there. It was stolen. 

I contacted XXXX and they told me to get a police report, which I did. When I talk to XXXX about the situation, they point me to Comenity Capital, the lender, and when I talk to Comenity Capital, they say to talk to XXXX. I am stuck in the middle with little recourse other than contacting XXXX. I used to have an excellent credit credit score because I have always paid for things I receive. I do not pay for things I DO NOT RECEIVE!!! 

The package was not delivered to ME at my apartment number XXXX, which should have been clearly noted on the mailing label. It was left out in the open, exposed and accessible to anyone. Nobody is at the mail center building to check that all packages left in the open, like XXXX  does, are taken only by the person addressed on mailing label. I was working when the package was delivered and, as I stated above, went to the mail center after work and after reading the message from XXXX. If XXXX  had delivered the package to my apartments, I wouldnt be writing this letter.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance owned : {$0.00} XXXX XXXX Balance Owned : {$1300.00} XXXX/DOFED XXXXXXXX Balance owned : {$0.00} XXXXDOFED XXXXXXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owned : {$0.00} XXXX XXXX Balance Owned : {$0.00} XXXX XXXXBalance Owned : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Between XXXX and XXXX, I attended XXXX XXXX XXXX XXXX XXXX in XXXX, MA. I graduated there with a XXXX in XXXX XXXX XXXX, and learned a number of skills that were virtually useless in the workplace after graduation. The school lied about their job rates post graduation, and have been found to have been giving out predatory loans. 

While my loan balance in Navient is paid off, that only is the case because I have taken out a home equity loan in order to pay off the balances. So that money is now just rolled into a new piece of debt. I paid the school over {$80000.00} for fraudulent loans ( federal and private ), which I believe hurt my job prospects coming out of school. The skills I learned were almost entirely self-taught after college, and were not provided from the school. This caused me to get a sub-par job out of college earning a poor salary, and having to basically reset all my skills myself in order to ascend to better positions doing what I originally thought AI would provide me the skills for.
Product: Credit card or prepaid card

JP Morgan Chase is changing the terms of my credit card to include a binding arbitration clause. Unless I reject the agreement by XX/XX/21 all disputes will be resolved by a binding arbitration. If I do not reject the agreement, I will be giving up my right to go to quart and will not be able to take part in any class action lawsuits. In order to reject the agreement, I must notify the bank via a mailed letter to XXXX XXXX XXXX XXXX, DE XXXX. I can not send the rejection electronically or orally.
Product: Credit reporting, credit repair services, or other personal consumer reports

My employment status change to XXXX and I dont know who the company is please help..
Product: Credit reporting or other personal consumer reports

The duty pursuant to the FCRA, it TRANSUNIONs to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting XXXX inaccurate late payments for the XXXX XXXX XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/XXXX and a 30 day late payment posted in XX/XX/XXXX. This is incorrect and is supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of this inaccurate late payment has resulted in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish this inaccurate late payment on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination and possibly homelessness very soon. I have tried to remedy this situation by responding to TRANSUNION via written letters to remove this inaccurate reporting of late payments on XXXX XXXX XXXX and XXXX XX/XX/XXXX, however they have continued to ignore my requests. It is because of this inaccuracy that is causing my wife and myself to not be able to find a mortgage lender in order to secure safe housing for us. I fear that if these inaccurate late payments arent removed soon, that we will be homeless.
Product: Debt collection

This is a continuation of my last complaint. While I now have the documentation regarding the debt ; I was NEVER given an option to set up a payment plan or given consideration due to hardship. As a result, the XXXX XXXX XXXX XXXX and their debt collection agency continue to charge and compoundinterest after literally taking all income tax returns from both my wife and I. 

Had I been afforded an opportunity to set up a payment plan or debt settlement with them, I most certainly would have done so. 

Its unfortunate that a company that is supposed to benefit Military and beneficiaries is so predatory and inconsiderate. Their actions are forcing me to consider bankruptcy.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I attempted to transfer funds via ACH from my Bank of America online account to my account at XXXX ( XXXX XXXX ) but was unable because XXXX XXXX XXXX routing number ( XXXX ) was not in Bank of America 's routing number directory ( XXXX XXXX XXXX routing number is displayed as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' ). I was informed by a customer service representative of Bank of America that XXXX XXXX XXXX routing number could not be added to the Bank of America directory even though XXXX XXXX XXXX routing number is on the Federal Reserve Bank 's   directory ( XXXX XXXX XXXX ). I am filing a complaint because I am unable to transfer funds from Bank of America to XXXX ( XXXX XXXX ) until the routing number is properly added to Bank of America 's directory.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I went to the emergency room XX/XX/XXXX. The hospital portion was paid ; the physician portion is not billed correctly to my insurance. XXXX XXXX gave me the biggest runaround. They refuse to rebuild XXXX as required by XXXX. Finally got a rebilled. It was paid. It was still sent to collections. I called the collection agency who was beyond BEYOND rude demanding I pay something I dont owe. They refused to call XXXX. As of XXXX XXXX the collection agency placed this report on my credit report. Damaged my credit drastically lowering my credit score. Per XXXX XXXX rep XXXX today, she stated they contacted the collection agency XX/XX/XXXX Which is about the time I contacted XXXX. She said they told them back then and sent notification that the account was paid. The collection agency is still trying to collect money from me that is not owed!!! 

Since the company that reported to the collection agency is getting a copy of this. I would like to note and finally complaint that their first representative was rude and hung up the call was not able to get her name. The second person XXXX was rude and unprofessional. She interrupted me a lot. She told me I need to contact the collection agency since they put it on my credit report. I told her they are not going to do that without her office contacting them since they put it in collections and its their responsibility. I told her I was going to file complaints with different agencies and she was very XXXX telling me do what I have to do! I asked to talk to her supervisor/manager and she said she was not available and that all of the supervisors leave at XXXX XXXX. I found it hard to believe that there was no management working. She told me to call back tomorrow at XXXX oclock in the morning but I told her it was their error in my expectation is that a XXXX call me and I doubt she put a request in. Just an overall bad experience and illegal collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is listing an outdated credit inquiry on my credit report from XXXX XXXX.

The date of the inquiry is XX/XX/2016. 

It is over 2 years old. 

I have notified Equifax to remove it, but to no avail.
Product: Vehicle loan or lease

I have contacted State Farm with the correct information about the vehicle loan that I been making ontime payments on. I contacted them to let them know I was out of town in XXXX XXXX and I tested XXXX XXXX XXXX XXXX I checked my checking account and a payment did come out of my bank for the XX/XX/2021 onetime payment. I have faxed them a copy of my bank statement and attaching a copy to you as well. The late payment is still showing on my credit report currently.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  AND XXXX XXXX FAILED TO REMOVE ALL INNACURATE INFORMATION FROM MY CREDIT REPORT. XXXX XXXX IS STILL REPORTING FALSE AND FRAUDULENT INFORMATION AND XXXX  IS ALLOWING IT. DESPITE ALL PROOF PROVIDED THEY ARE NOT PERFORMING A COMPLETE INDEPENDENT INVESTIGATION AS THEY ARE REQUIRED BY LAW. I DEMAND A REMOVAL OF THE XXXX XXXX ACCOUNT AS THE COMPANY KEEPS REPORTING THIS ACCOUNT ON MY CREDIT FRAUDULENTLY AND XXXX IS ALLOWING THIS FRAUDULENT REPORTING TO CONTINUE. 

The FCRA requires a credit reporting agency to go beyond its original sources of credit information when reinvestigating inaccuracies in a credit report after the consumer informs the agency of those inaccuracies. Based on that, a generic, electronic investigation is not satisfactory when looking at my case specifically. 

ALSO STOP REPORTING 4 AND 5 CHARGE OFFS WHEN THE ACCOUNT CAN ONLY BE CHARGED OFF ONE TIME!!!! REMOVE ALL INNACURATE INFORMATION FROM MY CREDIT REPORT
Product: Debt collection

Law 15 u.s.c 1692c If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

Capital One ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX I am disputing my alleged debt from capital one credit of {$1000.00} from XX/XX/2022. XXXX off closed account.
Product: Checking or savings account

I am writing to file a formal complaint against Chase Bank for an unauthorized withdrawal of all the funds from my account without my consent. 

On XX/XX/XXXX, I discovered that Chase Bank had withdrawn {$1800.00} from my account without any authorization from me. This action has caused significant inconvenience and stress. 

On XX/XX/XXXX, I requested that a XXXX account with a XXXX balance be closed. Chase, by mistake, attempted to close my checking account and withdrew all the funds from it. This is not something I authorized or agreed to.
Product: Money transfer, virtual currency, or money service

I am writing to formally report unauthorized XXXX transactions that have been made from my Capital One bank account without my consent. I just noticed these charges today, XX/XX/year>, while attempting to send money to a friend through XXXX. When I reviewed my recent transactions, I saw a suspicious payment on XX/XX/XXXX, which led me to check my account history more thoroughly. Thats when I discovered multiple unauthorized payments sent to an individual named XXXX XXXX, whom I do not know, have never interacted with, and certainly never authorized any transactions to. 

These unauthorized transactions are deeply concerning, as I take great care in securing my accounts. I have not shared my banking details, authorized these payments, or approved any XXXX transfers to this individual. I am alarmed that these transactions were able to go through undetected and without any fraud alerts. 

The unauthorized payments are as follows : {$60.00} on XX/XX/year> {$300.00} on XX/XX/year> {$150.00} on XX/XX/year> {$150.00} on XX/XX/year> Upon realizing this, I immediately began attempting to contact Capital One to report the fraud and open a dispute. I am also filing a police report tomorrow, XX/XX/year>, against XXXX XXXX regarding this fraudulent activity. 

I expect Capital One to take this matter seriously, fully investigate how these unauthorized transactions occurred, and promptly refund the stolen funds. Furthermore, I want my account locked immediately to prevent any further fraudulent activity and permanently closed once this matter is resolved.
Product: Credit card or prepaid card

In early XXXX I accepted a XXXX XXXXXXXX credit card offer from Commerce Bank. The offer was for a {$150.00} cash back redemption to be applied to my credit statement within 6-8 weeks of making a purchase of over {$1000.00}. A purchase of {$1800.00} was made on XX/XX/XXXX, and I've made above the minimum payments since then, which was another condition of the offer. As of today, XX/XX/XXXX, I have not received my cash back redemption, which is around 18 weeks after I made the required purchase. I spoke with someone at the company on XX/XX/XXXX and was told a decision would be made within two business days. I have not heard back from them and according to my account, I have not been awarded XXXX points ( the equivalent of {$150.00} ) or had my account balance lowered by the promised {$150.00}. I sent an email to the contact on their website on XX/XX/XXXX, and someone named XXXX XXXX responded with the following message : " Upon consulting with a separate credit card area, we have been advised that XXXX Reward points have been manually added to your account. '' That has not happened. I brought this to his attention and he has not responded. My guess is that they plan to award the points only after I've paid my balance down below {$150.00}, thus forcing me to redeem the points for a one of their gift card offerings instead of actually applying this amount to my balance.
Product: Debt collection

On XX/XX/XXXX I called into the company procollect to pay a collection debt in the amount of {$70.00} My goal was to pay this debt and and have this cleared off my credit report. I asked the service representative that I spoke with if I was to pay the full amount would it be cleared off my credit. The representative told me yes that it would be reported to the credit bureaus that it was paid in full. I also asked for documentation through email stating this as well. I paid this amount in full and an email was sent to me stating the document was paid in full. 
Now this year XX/XX/XXXX I am in the process of buying a home and this debt is still showing on my credit even though it was paid in full. My credit specialist had me reach out to procollect to ask to receive documentation stating that the account will be deleted. I learned that the letter I originally received from them states that the debt will be adjusted even though the rep told me it would be removed. I called into the company to ask if I could receive another letter stating that the account was paid in full and any derogatory credit reported by Procollect Inc. will be deleted. The lady told me that she could not do that and I told her that originally I was told that it would be deleted from my report as I was talking the rep hung up in my face. So the next day I called this company again and told them what happened and asked to speak to a manager that person took a message but no one ever returned my call. I also emailed the company and I received no response. I just needed help with documentation being that I had already paid this account off!
Product: Credit reporting or other personal consumer reports

I have always maintained an impeccable payment record with the company, with all my payments set up on XXXX. This reported late payment is due to a system error on their part during payment processing. 

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family. 

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately. 

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law.

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least XXXX  days before the payment due date. 

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the due date in good faith under rule 1002, but it has never been provided. 

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

I demand the removal of the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent credit bureaus ( american credit acceptance ) removal letters via certified mail asking to have several accounts reporting about alleged debts removed from my consumer report. Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. '' All letters were also sent with a green return receipt and only one of the companies has signed saying they received it. Under federal law, these corporations have violated me as a consumer. XXXX  agents have all infringed on my right to privacy since they are signing for letters that I did not send to them, but to the corporations. I have disputed the items on my report many times with little to no response from each company. Their previous responses state that the disputes can not be removed because they have been validated, which is false. Corporations can not validate any alleged debt without the consumer 's validation. I have not been able to relocate my family to a safer environment due to denials from rental companies. These companies have caused me and my family many hardships due to the alleged debt being reported on my consumer reports.
Product: Credit card or prepaid card

I applied for my credit card and it never arrive. I have never done or attempted to do business with these two merchants " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY {$55.00} XX/XX/XXXX XXXX XXXX XXXX NY {$150.00} I contacted American Express to dispute my card, they closed my case for no reason.

These are fraud charges. They should suspend those two charges.