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

Hello My name is XXXX XXXX I have a checking account with Chime. My direct deposit comes to chime on the day that my direct deposit came I withdraw {$400.00} out at XXXX bank atm at the XXXX on XXXX in XXXX. When I try to withdraw no money dispense out the machine. No receipt or anything came out. Which made me check my account when I look in my account the {$400.00} was gone. I try to speak with the XXXX at XXXX to let them know what happened they said they could not help me call your financial advisor. So I did I called them on XX/XX/XXXX the day it all happened. The dispute didnt go through until XX/XX/XXXX when I talk to them I explained what happened and the said it can take up to XXXX 20 days for the investigation to go through. Okay XXXX patiently waiting. On XX/XX/XXXX chime put the money back in my account but the next day the money was reverse and it said an adjustment had been made chime let that same atm machine take the money back out of my account and left my account with a negative balance of {$99.00} I reach Back out to chime to let them know what happened again. The said they would not be able to help me until the dispute was over with would now be on XX/XX/XXXX now when XX/XX/XXXX gets here it said the dispute was approved but I never received the {$400.00} back into my account. Today is XXXX XXXX I still havent received my funds chime has cause me so much heart ache within these last couple months I miss a payment of me paying my rent on time and I just been on the phone with them everyday and we have not come to no solution. I am a hard working citizen. Everytime I talk to the people at chime they keep transferring me to all they different representatives and I get no help half of them dont know what Im talking about so I have to repeat step by step everyday what has happened to me. Times are hard and I really just need help. I have all my screenshots from the first day of this happening to me please help me I just want my money back and I will not deal with chime no more in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I'm writing this to see if XXXX  XXXX and affirm inc can remove a missed Payment that occurred on XXXX of XXXX. At the time I was working as a waiter/cook in a restaurant. Due to covid at the time I was laid off and could not get another job because Maryland was on a emergency shut down. Any job deemed not essential was shut down so I was forced to switch job trade to constructions since it was one of the few job deemed essential. As soon I stared working I paid off my credit card balance and have not missed a payment since. I have tried many time to dispute the late payments online since the missed payment was due to a naturally declared disaster and many people was affected I could not do anything because of the shut down. Can XXXX XXXX please help me remove this blemish on my credit report, it has affected me by limiting my credit score and hindering me from getting loans for houses and a personal loans. I would like to see this missed payment removed. I hope you understand that the circumstance I was put under was out of my control at the time. Thank you so much for your understandin
Product: Debt collection

The debt collection agency has reported to the credit bureaus that I owe money to XXXX. I have not had a XXXX account for over 10 years no do I owe them any money.
Product: Debt collection

Twice I have had resurgent capital services contact me in 2022, asking for me to pay on an account that was fraudulently opened in my name. I let them know and proved to them it was fraud. Someone opened a card in my name, and made payments on it in my name. They stopped making payments and it was handed over to lvnv funding debt collectors.
Product: Debt collection

I.Q. DATA INTERNATIONAL , INC reported a collection on XXXX XXXX, 2023 for the amount of {$4800.00}. 
Agency Address : XXXX XXXX XXXX XXXX, WA XXXX Agency Phone : ( XXXX ) XXXX Original Creditor Name : STATION AT XXXX XXXX NC I.Q. DATA INTERNATIONAL , INC is a third party debt collection agency representing STATION AT XXXX XXXX XXXX. I never signed a contract with I.Q. DATA INTERNATIONAL , INC. I never gave consent for these companies to use my private information. I never received a notice or method to opt-out or prevent the disclosure of my private information to third parties pursuant 15 U.S. Code 6803 Company is negatively harming my nonpublic personal information.
Product: Payday loan, title loan, or personal loan

In XXXX of 2019 I took out a personal debt consolidation loan with ONE MAIN FINANCIAL. This finance company paid off prior debts that I had as the agreement that I signed. Debt was not paid and was forced to go to collections. I have tried several times over the years and most recently months to get this remedy to get that creditor paid. The amount is about XXXX some dollars but the company has yet to re-administer a check even though I have provided the name of the collections company as well as mailing information.
Product: Mortgage

G.W. Golden XXXX is sending XXXX XXXX to previous client houses advertising she can lower there rate and help them take cash out. 

My mother XXXX XXXX is XXXX years old and let XXXX XXXX into our house because she lied and said she works directly with XXXX XXXX. She came in and stated twice YES I WORK VERY CLOSELY WITH XXXX XXXX when my mother XXXX asked her again you work with XXXX XXXX she said YES AGAIN I WORK DIRECTLY WITH XXXX XXXX. 

I XXXX XXXX son wittnessed everything and asked her a 3rd time do you work with XXXX XXXX and again sge lied and said I work direclty with XXXX XXXX. 

XXXX was offering to lower our interest rate by and take cash out. 

My mother is XXXX years old when I looked up XXXX she is not even licensed and is quoting rates. 

XXXX was very strong arming us and pushing us to set up and appointment with her Broker XXXX XXXX and stated he is the one that sent her out. 

We told her we are not interested and she couldnt take no for an answer and said she will be back in couple days. 

When she left we called XXXX XXXX and XXXX stated she no longer works with XXXX or XXXX or has any affliations with GW GOLDEN and left that office almost 2 years and she is working for another office. 

We looked up there address on the flyer or marketing letter that XXXX left us and we could not find them or GW golden. So I drove down to this address in XXXX to cancel her coming back the building told us there no compnay by that name in this office or that building They have an address on they advertisment letter they are not affliated with. 

How can this be allowed. That an unlicensed person is promising they can lower the rate by 2 % and bring it down to 2.0 % rate and help us take cash out. XXXX XXXX was our orginal loan officer and she is using her name to connect us to work with her. This is elderly abuse and this is not ok. She strong armed my mother and came into the house and forced her to set up and appointment we didnt want. we told her we dont want anyone coming back. 

After driving to the office and seeing they are using and address that is not there I called XXXX right away and told her do not come back and make sure to cancel everything. If I XXXX was not here to stop this and catch all this they would have taken advantge of my XXXX year old mother. 

My mother is XXXX years old is very upset and can not belive this is happening she is happy she put a stop to it right away. This is very unethical and very dangerous.
Product: Credit reporting

XXXX XXXX has been on my credit report since XX/XX/XXXX and should have been then. They are on XXXX with XXXX XXXX a collection agency they hired. This is well over seven years and according to FCRA these should have been off in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote several letters to XXXX and the creditor IQ DATA INTERNATIONAL to verify the inaccurate information that they are still reporting to my credit report. It has been over a year and I still havent got a response from them. I have sent certified letters to XXXX on the dates of - XX/XX/XXXX and XX/XX/XXXX. Also sent letters to IQ DATA INTERNATIONAL and they picked it up at USPS on the dates of - XXXX XXXX and XX/XX/XXXX Upon this date of XX/XX/XXXX they still havent respond to verify the inaccurate account that is reporting on my credit which is IQ DATA INTERNATIONAL. Please delete this item - IQ DATA INTERNATIONAL - from my credit report as soon as possible. There was no real investigation on both their parts and still havent respond for a whole year and a half with verification. Federal law requires them to respond within 30 days yet haven't responded for a whole 365 days plus. XXXX is going against my consumer laws for still having inaccurate items reporting to my credit report One of the few laws they failing to abide by [ 15 USC 1681E ] and again they STILL HAVE NOT RESPONDED FOR MORE THAN 365 DAYS which is CLEARLY breaking the validation law so I am in the process of suing them for defamation of character. 

Copies of my letters and receipts to both XXXX and IQ data international will be attached please look at the dates PLEASE DELETE IQ DATA INTERNATIONAL FROM MY CREDIT REPORT.
Product: Student loan

I had a payment plan set up. I got evicted so I am homeless and trying to save to move into a new home, so I had to stop payments. I am now getting 6 calls DAILY after explaining that I can not make a payment at this time. 

Just today they have called at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. ( XX/XX/XXXX ) and it is only XXXX XXXX. Voicemails are only left once every other day. the number is XXXX XXXX XXXX XXXX.
Product: Debt collection

I received a call from XXXX regarding a debt with Continental Finance. I told him to send a collection letter.He said they have sent letters to me.The only letters that I have received is from Continental Finance.He said he was going to start legal papers. The debt is below.The {$260.00} is for the {$96.00} annual fee, monthly maintenance fee {$5.00} a month and late fees. 

Credit Limit $ XXXX {$760.00}
Product: Money transfer, virtual currency, or money service

I had purchases I needed to dispute with cash app and a customer service representative or live agent was not available for me to speak with
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute several time with the credit bureaus XXXX, experian and XXXX  to investigate this account and it keeps coming back updated. I also sent certified dispute to the company for investigation and the mail continues to come back. this company should not be reporting on my file at all
Product: Credit reporting or other personal consumer reports

My account with ( XXXX/DEPT OF ED, ) was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXXutopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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. 


XXXX XXXX/DEPT OF ED, ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I request copy of signature everything from these illegal accounts! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXXXXXX  {$4900.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$720.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance {$190.00} Date Opened XX/XX/XXXXXXXX XXXX Balance {$270.00} Date Opened XX/XX/XXXX **Bankruptcy** -- This bankruptcy is past the statue of limitations and needs to be removed asap!! according to FCRA USC! 5 1681li ( a ) XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

I opened an American express Delta Sky miles credit card in XX/XX/XXXX with a promotional offer of XXXX bonus miles. When I applied I did not receive any pop up message that said I would not qualify. I applied and received the card, I then proceeded to follow the rules in order to obtain the bonus miles. I charged over XXXX XXXXXXXX within the first 60 days, actually it was probably less than that. 
I called AMEX in XXXX asking when I would receive my bonus miles, I was advised by XXXX on XXXX @ XXXX that I didnt qualify and I would not be getting the points. She opened up a dispute case for # XXXX. I called XX/XX/XXXX and spoke to XXXX who told me that I DID qualify and that I should be seeing the points at the latest XXXX. 
I called in on XX/XX/XXXX and spoke to XXXX who looked at the dispute case and advised me that it was closed and it just stated that I didnt qualify. So he opened a new case for # XXXX and advised me to call back in 3 weeks for a status. I called XX/XX/XXXX and talked to XXXX who said there was no decision yet and would have a 2nd level manager call me back. Well that never happened so I had to call in yet again on XX/XX/XXXX and talked to XXXX. He looked into the complaint case and told me that the case was closed as I didnt qualify. NOT during any call as ANYONE been able to tell me EXACTLY why I didnt qualify for the bonus points. I requested a Supervisor so he transferred me to a XXXX. This guy spoke like he was reading from a manual and could care less about my concerns. You could tell he didnt care at all. Again he could not tell me why I didnt qualify! 
My husband and I have been customer with AMEX for over 25 years. 
I think its false advertisement how amex offered the bonus points and now say I dont get them but cant tell me why. I see XXXX XXXX XXXXXXXX just had a very large fine from the CFBP for doing this some thing! 
If you would like to speak with me I can be reached at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit card

I requested Discover Card for a Statement in XXXX ( statements sent for people who XXXX ). I thought the American Disabilities Act ( ADA ) required accommodations for the XXXX, but Discover sent me the below response to the request : '' Re : Other Billing Questions [ # XXXX ] " Hello XXXX, Thank you for your message regarding your Discover account. I understand your inquiry for XXXX statements, and I am happy to provide you with additional information today! 

I sincerely apologize as this is not a type of statement that is currently available. We do want to improve and are always looking to do so. Because of this, I will forward your interest in a XXXX statement as feedback to our headquarters that having statements like these available would be helpful. 
Please let me know if you have any additional questions or concerns about your account. 
I appreciate your valued business and the time you have taken to contact me today. Thank you for choosing to use Discover since XX/XX/XXXX! 
Sincerely, XXXXWe appreciate your feedback. Please Click Here to complete a short survey on your customer service experience today. 
DISCOVER, CASHBACK BONUS and the other trademarks, logos and service marks used in this e-mail are the trademarks of Discover Financial Services or their respective XXXX-party owners. 

-- -- -- - Original Message -- -- -- -- Date : XX/XX/XXXX XXXX PMSubject : Re : Other Billing Questions [ # XXXX ] From : XXXXXXXXDate : XX/XX/XXXX XXXX XXXXTo : XXXXXXXXSubject : Other Billing QuestionsFor other Billing and Statements questions, please use the space below : please send me my statements in XXXX as well.
Product: Student loan

In 2004 the for-profit college XXXX XXXX XXXX XXXX and XXXX scammed me. I intentionally misled first by the recruitment department and then by the financial aid department. When given the sales pitch of what the institution offers, the recruiter failed to mention that the institution lacked regional accreditation, which I later found out meant my credits were non-transferrable. To add insult to injury, the financial aid department led me to believe that any unspent loan dollars would carry over to the next semester, which in essence would mean that the maximum loan amounts would not be taken out each semester. It was n't until I completed the program, that I later found out the maximum loan amounts had been taken each semester ... even the semesters I had not spent the entire loan amount and once the recruiter resigned from his position, he later called everyone he recruited to inform them of the lack of accreditation. What confused me most was during the exit interview when I was informed that my loan amounts exceeded the program cost. When I asked how that was possible even with me receiving XXXX grants? I was told to be grateful for what I owed because some students have left the exit interviews in tears once they were told what they owed and the exit interviewer also explained that they were told by other students that financial aid had provided them with misleading information as well, but still I was not given an answer as to how this matter would be resolved. Now here I am years later required to re-pay student loans on a degree I could not utilize, forced to start my academic studies completely over as a new student because employers deemed my degree worthless and the credits are n't recognized by the regionally accredited institutions. Any assistance with resolving this matter would be greatly appreciated.
Product: Money transfer, virtual currency, or money service

I'm a victim to online rental scam ( happened through XXXX in US ). The person ( identified herself as XXXX XXXX ) responded to my post and mentioned that she is looking for a rent ( She also sent me a CA driving licence, later point I noticed that it was a FAKE one ). she also mentioned that she will send me a check given by her company and she wanted me to help her by returning her excess money which she referred it for re-location and travel expense. 

I trusted her and after depositing the check ( {$7900.00} ), and the amount got posted to my account. After this, I transferred her back {$3000.00} ( through XXXX as a first installment, in intent to help her- Email id to which the money was sent was XXXX ). But on the same day, the check showed as returned. 

Few days later, I got a mail from bank of America, saying that the check was returned because, it was a blocked/frozen account. After seeing this, I XXXX  and found that it was a HAWAII RENTAL SCAM and raised a claim with bank of America and they mentioned that the target bank was XXXX and they will try to get the money back. but got one more mail during XXXX, that my claim is not approved and they wanted me to contact the scammer to get my money back. 

After few days of this money transfer, the SCAMMER stopped responding to my messages. Now even BOFA is not helping me in recovering my funds. 

Now I don't know how to get my {$3000.00} dollars back. Please help in getting the same. 

I have the email and message conversation of this entire incident with me ( if needed ). 
Please do let me know if more info needed on this regard. 

Thanks in Advance, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have talked on several occasions with check n go 's XXXX store manageXXXX, they pulled out XXXX payments that were unauthorized with this account.
Product: Credit reporting or other personal consumer reports

Account XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Remove Account from my report. 
This account is a collection/ charge off. The account should not be listed as open the account has no payment agreement and should not have any late payments. Its a violation of the FCRA. 
The Company has made false accusations claiming to certify the validity of the account. I have supplied documentation from the company itself stating they will move the account in 30 days. I provided the letter to the credit bureau.