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

I transferred my entire balance from XXXX to my Chime account on XX/XX/XXXX. My Chime account shows the amount of {$420.00} being transferred. However, when I asked why I could use the funds, they stated they have a policy of a 3-5 days to put the money in the account. If the money was transferred XX/XX/XXXX then Wednesday would be the XXXX day. Friday the XXXX. They said because of the holiday that they funds were on hold until Monday, XX/XX/XXXX. I sent Chime a copy of my statement from XXXX showing the money had been transferred and my account balance was {$4.00}. Chime stated that XXXX could still recall the transfer. XXXX said they have no way of doing that once it is sent. However, Chime could reject it. Chime said they could not that XXXX had to recall it. This is outrageous. I am a XXXX XXXX XXXX and this is the only available money I have. I can not get my medication I need for tomorrow, nor any groceries. Chime has a way of when they receive deposits, and it arrives before a holiday, they will not release it until after a holiday. This has happened many a time with my Social Security deposit. I even asked them to release some of it and they refused. How can they take funds that are there and release them when they feel like it? If XXXX no longer has them, I know Chime does. My account shows it. I have had many transfers on this account and never, ever have they put a hold on any of them, not even the ones sent by a person 's bank. This is one bank to another. There are many things I have found Chime to do that no other bank or on line banking establishment does like Chime. For instance, they show a debit come in on a certain date, then two or more days later that debit might be moved to a different date. They ; 've tried to tell me I must have read my account wrong even though I print it out every day. XXXX also needs to be investigated for their practices. They send you a temporary card with a piece of paper showing your Routing # and Account # for direct deposit purposes. You don't receive anything telling you all the fees involved until you receive your permanent card. Each time you use your card you get charged {$1.00} which doesn't even show up on your account for a day or so. Plus, there is a monthly fee, an ATM charge to withdraw cash, etc. I use these cards for on-line payments only because I don't want my true checking account to get hacked. I used my card to pay my monthly bills and purchase groceries, medication, etc. Imagine my surprise when I checked my account 2 days later and found all these {$1.00} fees. It ended up adding up to over {$50.00}. That's a lot of money, especially when you were never told about these fees. I would have never taken out this card. I hope you can assist me with these matters. Especially, Chime. I've closed my XXXX.
Product: Debt collection

I moved out of my apartment in Fall of XXXX. I was expecting to receive my security deposit back by the end of the year. I had contacted my apartment to see what had specifically happened to my security deposit of {$500.00}, as I was worried they were overcharging me. I had to follow up with their management, until finally *I was told that I was going to receive a refund of $ XXXX. I did not receive the refund for several months. Once again, I followed up with clarified information that I may owe money ( no refund ), but I was not entirely sure. I requested clarification and offered to pay any balances if they existed. After 9 months of no response, I was notified by my bank that I received a negligent account on my credit report. They put me in debt collection with zero notice. Before I could dispute the account, one of the joint account members had paid this debt collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting an incorrect coding of the XXXX partial account number XXXX. This account actually needs to be coded as an M1. ( Please see the page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information not reported correctly on experian credit report. Creditor does not provide what months I paid on-time, what months I was late, instead they have just stated I defaulted.
Product: Mortgage

Due to recent financial difficulties our RE Taxes were added to our mortgage so now we have an escrow which increased our mortgage payment over {$1000.00}. We are finally in a position to refinance and were approved by XXXX for the HARP with PNC our current XXXX Mortgage holder. We also have a Home Equity with XXXX XXXX. We were all set to close but were waiting for XXXX XXXX to approve the subordinate when the bottom dropped out. We learned that in XX/XX/XXXX ; National City was our current XXXX Mortgage holder and we did a Refi I think to reduce the rate or get rid of the PMI I am not sure the details are foggy but it does n't matter. When they filed the paperwork for the refi ; National City did not file the subordinate so XXXX XXXX became XXXX Lien Holder and PNC is XXXX mortgage holder. Now, because of some paperwork error 8 years ago ; I can not ever refinance my loan because just like everyone else in Illinois ; my house value is lower than it was in XX/XX/XXXX and because of financial struggles my credit rating is lower. XXXX XXXX will not work with us or consider approving the subordination or do a loan position change. I am being punished because of somesones ' clerical mistake and I can not afford to keep paying my mortgage at the higher payment and my Home Equity is coming into repayment in XX/XX/XXXX and then that payment will double. Is there anyone that can help me? I do n't know what else to do and I do not want to file bankrupcy or go into foreclosure ... ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding a late credit card payment that is inaccurately showing on my Experian credit report. I believe this violation is in direct conflict with the regulations outlined in the 15 U.S. Code 1666b, which governs fair credit billing practices. It states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I hold a credit card with XXXX XXXX, account number XXXX. According to the information on my Experian credit report, there is a late payment listed for the billing cycle ending XXXXXXXX XXXX 2021. 

I would like to bring to your attention the following points : Compliance with 15 U.S. Code 1666b : Section 1666b of the United States Code governs fair credit billing practices. It ensures that consumers are treated fairly and have the right to dispute incorrect charges or billing errors. It is evident that the reporting of this late payment is erroneous and does not comply with the spirit of this law. 

Negative Impact on Credit Score : The inclusion of this late payment on my credit report has had a significant adverse impact on my credit score, affecting my ability to secure favorable credit terms and causing undue financial harm. This negative reporting is unwarranted and violates my rights as a consumer.
Product: Credit reporting or other personal consumer reports

None of the reporting agencies Experian XXXX or XXXX XXXX have been reporting efficiently on all three reports. There are agencies unrecognized claiming to collect debts that don't belong to me and there's inquiries that i did not consent to. Pursuant to the fair debt collection practices act 15 United States Code 1692, all collections that don't contain original signatures and consents need to be removed from my credit. No agency has been able to send proof of obligation to pay. According to 15 US code 1681 ( c ) 2 all charge-offs need to be removed from my credit immediately according to 15 in US code1692 and 1692 ( g ) all collections you need to be removed without original consent and signatures and according to 15 U.S.C 1681 b ( 2 ) ,15 US Code 1666 ( b ) and 15 US code 1637 ( a ) all late payments need to be deleted off my credit report immediately and any and lastly under 15 US code1681 ( n ) all hard inquiries must be removed from my credit immediately. All three bureaus have refused to update their information so that they all reflect the same information and that is against the law and needs to be removed so that all three bureaus reflect the same information. The bureaus refusing to make these corrections constitutes as willful ignorance and Civil Liability for Willful Noncompliance underneath U.S. Federal law and has grounds for penalties of {$1000.00} per each violation not corrected under U.S.Code 1681 ( n ). I have contacted all the bureaus and agencies and have requested that all these charge offs and negative marks be removed, but the bureaus have willfully non complied under The False Claim Act 31 U.S.C. 3729
Product: Debt collection

Good day, I cant begin to express how exhausting and distressing this situation has been. One day, I check my credit report only to find a debt I know nothing aboutcompletely unverified and absolutely not mine. To make matters worse, Ive been bombarded with relentless harassment through multiple communication platforms, employing various tactics. I never imagined Id be facing threats of legal action over breakfast. As a law-abiding citizen, this entire ordeal is deeply insulting. My rights as a consumer are being blatantly ignored, and the emotional toll is overwhelming. It has severely impacted my mental health, and Ive endured sleepless nights as a result.
Product: Debt collection

West Creek Financial XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX DEAR SIR/MA'AM I am writing to request several account documents from your company since you have reported a charge off on my Consumer Reports. I am requesting all of the following documents to be sent to me as soon as possible GAAP LEDGER, DOCUMENTARY MATERIALS, BOOKKEEPING ENTRIES and ( ALL OF MY PAYMENT INVESTMENTS INTO THE ACCOUNT ), YOUR ACCOUNTING METHOD ( ACCURAL ) IRS MANDATED FORM 1099-C should be filed by your company since this debt is greater than {$600.00}, PLEASE SEND PROOF. 

Your company is legally obligated to send me a 1099-C as well to file on my personal taxes. I am requesting your company also send the AUTOMATED UNIVERSAL DATAFORM used to communicate with each Consumer Reporting Agency. 

Most importantly please send your copy of the signed contract. Cease all Consumer Reporting AS SOON AS Receipt of this letter until you have completed my full request. If you are unable to send ALL of the following documents for any reason, PLEASE CEASE ALL CREDIT REPORTING. 

What is the name and address of your CEO/COF of your company? 

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

15 U.S. Code 1692b- Acquisition of location information, Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. This is a violation of the consumer laws and my rights as a consumer. This act was made by the following companies, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Freedom Mortgage accepted and then later rejected the full payment of our mortgage made on XX/XX/2019 in the amount of {$290000.00}. This payment is in excess of the Payoff Statement balance in the amount of {$290000.00} provided to us in writing on XX/XX/2019 from Freedom Mortgage. That payoff statement, which was given to all parties including the title company representing the sale of the property, reflects the total amount due under the terms of the note/security instrument through the closing date of XX/XX/2019. It was confirmed that Freedom Mortgage accepted the wire in the amount of {$290000.00} via XXXX XXXX. 

On XX/XX/2019, Freedom Mortgage notified us in writing that our Loan, had been paid in full and the account closed. We received a notarized Release of Lien dated XX/XX/2019, signed and witnessed by Freedom Mortgage Vice President, XXXX XXXX. The mortgage release documents were processed and mailed to the County Clerk, effectively transferring the property to new owners. On XX/XX/2019, we received a refund check from Freedom Mortgage for funds due to us from the recent payoff of this loan. The unknown events that transpired from XX/XX/2019 to present day are indicative of a major error in accounting on the loan. As of today, Freedom Mortgage is no longer properly crediting the payoff they received on XX/XX/2019 to the principal balance of the closed loan. Without explanation, Freedom Mortgage is now holding all wired funds received in a suspense account and erroneously attempting to collect additional mortgage payments, interest, and fees from me on the sold property. Freedom Mortgage is also inaccurately reporting me to all three credit bureaus for late payment delinquencies in reference to this loan. In an effort to research and resolve this issue, I have made several phone calls, spoke to numerous customer service representatives, and spent countless hours on the phone to no avail. As of XX/XX/2019, all attempts made to Freedom Mortgage requesting comprehensible information have been denied and unanswered. No one in this company is allowed to provide me with their last name or a call back number which renders all attempts to rectify pointless and any notion of progress 100 % impossible. 

I would like Freedom Mortgage to correct their records and classify my loan as satisfied and paid in full, effective XX/XX/2019. Do not reopen this loan without my consent. Please stop the continued misreporting of our account to credit bureaus as this is causing significant damage to our credit worthiness. I am also formally requesting that Freedom Mortgage reverses the wrongful credit reporting made to XXXX, XXXX, and XXXX in reference to this loan. If any oversights were made by Freedom Mortgages accounting department on this loan, I am requesting to be notified in a fair and reasonable manner in writing with supporting detailed documentation.
Product: Debt collection

this is a fraudulent account never open an account with XXXX ...
Product: Credit reporting or other personal consumer reports

A loan for a XXXX XXXX XXXX I participated in ( XXXX XXXX ) was sold to a 3rd party servicer. I recently received notification of a missed payment from XXXX XXXX. It also appears that XXXX XXXX credit reported this missed payment incorrectly. The program through which I incurred the loan with XXXX XXXX has a contract stating that the loan I took out is not credit bearing and is interest free. In XXXX of XXXX, a payment of {$6000.00} was applied to the principal balance, but XXXX  and XXXX XXXXg have been harassing me for payments ever since. I have also been receiving repeated phone calls after having notified the XXXX XXXX representatives that I currently am unemployed. Under the agreement from the program per the program contract, payments can be paused for up to XXXX months at a time if program participants are unemployed. This pause can be renewed without any limit. Furthermore, there is a recorded phone call I had with a XXXX XXXX  Representative in XX/XX/XXXX during which the representative stated that there was no deadline to submit confirming unemployment documentation, yet XXXX XXXX has continued calling me multiple times a day. XXXX XXXX XXXX XXXX reviews on XXXX XXXX reflect that this lender frequently operates fraudulently at the expense of unsuspecting consumers.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Collector, Im shocked at the proof that you sent me based on my validation request. The law allows me to request validation for above account. I dont know your company, as you may be a scam artist trying to get money from people. I sent a letter to you 30 days ago asking for the following items. 
( XXXX ). Contract with my name on it. 
( XXXX ). Full accounting of this account. 
( XXXX ). Proof that you have the right to collect money from me. 
( XXXX ). Proof that you have the right to collect in my state. 
And more. 
Where is this proof? How does what you sent me prove that this account belongs to me? It does not. Your company has failed on multiple levels. Let me tell you how. 
( XXXX ). You reported a debt to the credit bureaus causing my score to go down without validating. 
Violation ( XXXX ). You failed to provide sufficient proof, yet still continuecollection activity by validating the debt above. 
Violation Would you like me to continue? DELETE THIS ACCOUNT ASAP or face complaints to the FTC, XXXX  Consumer Financial Protection Bureau, and the Attorney Generals Office. I will also be reviewing my state law to see if a bond is required and if your company is registered to collect in my state. Dont escalate this matter further over this little debt.
Product: Credit card or prepaid card

This is a systemic issue with Kohls occurring in XXXX XXXX, XXXX XXXX, and once again XX/XX/XXXX. I scheduled payments online and or via the kohls app for days well before the payment was due. Kohls scheduled payment system does not always show payments, so it is not always clear if a payment is truly scheduled and just not showing, or if it didn't truly go through. 
In XXXX and XXXX, when my payment did not go through, I did not receive paper notifications that my payment was missed, until it was already posted negative ( 30 days past-due on my credit report ). The only reason I knew the payment was late was due to credit monitoring services for fraud which alerted me my payment was 30 days past-due. Once I was aware, I paid in full immediately, but Kohls refused to acknowledge there was a problem or investigate the data/accounting/payment issue. I normally set up payments on the weekends, typically Saturday night/Sunday morning, which tends to coincide with when banks/financial institutions have a break in their account/payment maintenance processes. 
Furthermore, when Kohls credit called me, they did not leave a message indicating who they were calling from, and they did not provide their name on caller ID. Due to the prevalence of spam calling in DFW, I do not answer unknown phone numbers and check my voice messages as well as text messages for notifications. Even though I am opted in for text messages, phone calls, voice messages, and emails Kohls did not text me to alert that I was late on my payment, so I could pay before it impacted by credit standing. 

Now I scheduled my Kohls payment within the last 2 days for the end of this month, but it was still not showing in my scheduled payments as of this morning. When I called Kohls, their automated system reported there was a scheduled payment, but it would not give me information. I made it clear I wanted this to be reported as a possible systemic consumer wide issue, as some of my friends have experienced this same issue and I believe it is widespread, but not being researched by Kohls. 
I ended up going directly through the website and scheduling a payment for today which finally did show up. 
I am highly concerned this is a long-term systemic issue with Kohls. 
I am going to be reaching out to law firms on Monday to find someone that will take this on as a contingency, as I believe it has serious potential for a class action lawsuit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account # XXXX Theres inaccurate information on my credit Report by this account. The Dates are inaccurate with all 3 bureaus Last Verified Last Activity According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agencyshall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Delete this Account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ).

Im not liable for this debt with XXXX XXXX .I dont have a contract with XXXX XXXX they did not provide me with original contract as I requested. 

Correction to my credit report, I demand this account to be removed from my credit report.
Product: Credit card or prepaid card

I had not used my XXXX XXXX shops card in over a year, when I did use it I got a temp card on a piece of paper from the store. I was never informed that our XXXX XXXX shops card was switched from XXXX XXXX XXXX to capital one. ( We moved in the prior year ). I realized I had not received a bill so I sent a payment thru my bill pay to XXXX XXXX XXXX as usual. My bill was XXXX and I had credits for XXXX so unpaid amount was only {$39.00}. I used my card for dental bills the following month. As soon as I became aware of the change to Capital One I sent a payment for the balance in full. The payment was due XX/XX/XXXX and I paid XX/XX/XXXX. So for an unpaid balance of {$39.00} was charged total XXXX In interest. I contacted capital one as soon as I became aware of the mix up and was refused credit for the interest. I called them again before filing this report and advised them I feel the interest is unfair and again the cust service and supervisor refused to help. I feel the {$98.00} Interest charge is unfair. How can you penalize a customer who did not receive a statement and was totally unaware their account had changed banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly a late in XXXX, 2018 on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I am in school and these loan payments have been deferred and therefore there are no late payments to report. This incorrect reporting of a late is harming my credit score and these lates need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.