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

On XX/XX/2022, while I was in XXXX, KS, I went to a gun show to look at guns and purchase some items to start my build I am building. Upon finding those items I proceeded to pay for those items so I needed to turn on my Chime debit card to make that transaction and it went through. After that transaction was made I forgot to turn off my card and not even XXXX minutes later I started to receive text messages from Chime bank saying my debit card was being used in Florida. So I go back into the Chime app and turn my card off and I received a call from someone that appeared to be from Chime fraud services. The man asked me to verify information and told me that the charges would reversed. Well turns out that only one charge of {$250.00} to XXXX was reversed. As I was headed back to Texas where I live at I decided to check my bank account and the amount went from {$700.00} down to - {$100.00}. All of my VA XXXX check that I get every month was completely gone. My VA XXXX check is {$2200.00} each month. Someone stole all of it leaving me with nothing to pay bills or get food for myself and my family. There are XXXX separate charges of {$250.00} at XXXX different XXXX locations in Florida. There is a charge for {$55.00} at a XXXX gas station in XXXX, FL. There is a charge for {$47.00} at XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, FL. There is a charge for {$7.00} Star XXXX XXXX XXXX in XXXX XXXX XXXX, FL. There is a charge for {$9.00} at XXXX XXXX in XXXX XXXX XXXX, FL. All of these charges were made while I was in the state of Kansas. I have and also had possession of my debit card in question. I filed a dispute claim on all of those charges on Monday, XX/XX/2022, because Chime bank told me that they could not make a dispute claim on a pending transaction. So I called back Monday after I told them they had XXXX hours to get my money back. After I filed a dispute claim on those charges I receive an email the next day saying that they reversed one charge of the {$250.00} and denied all of the other charges I mentioned above in this report. I called Chime bank and asked them about why they denied the other charges and they said the charges were not made in error and if I wanted to open a rebuttal case I could. So I sent in a picture of me at the gun show along with a picture of me standing in front of a sign saying the name of the gun show on it. After spending about XXXX minutes on the phone with Chime I get frustrated with them and hung up on them. After about XXXX hours I receive XXXX separate emails saying that they closed my accounts due to activity on it that didn't adhere to their deposit terms and conditions. I have been getting deposits to that account from the same people for over 4 years. Those people are the VA XXXX. I called the XXXX XXXX XXXX, FL police department and filed a police report with them as well as contacting my local police department here in XXXX, TX. I have attached a copy of my bank statement showing the unauthorized charges on my account. The charge for XXXX XXXX XXXX for {$53.00} and the XXXX charge of {$21.00} was me.
Product: Credit card or prepaid card

My CareCredit account was closed suddenly, without my consent or knowledge. No notification was sent. I should at least get a warning to determine if theres anything that could be done to keep the account open. 

Not only was my account in good standing, but the company still owes me a credit {$5.00} associated with this card. How can they possibly close an account they owe money on? A consumer can't close a credit card that has an existing balance, so the company shouldn't be able to either. 

This closure has adversely affected my credit in a major way, and they need to be held accountable for that. 

When I contacted them, they simply refused to do anything.
Product: Credit reporting or other personal consumer reports

I sent my letter off on XX/XX/2023 to XXXX for them to " investigate every piece of information on the accounts i listed below. Also i have attached the copy of my credit report i attached to the letter. 

According to the FCRA the term " Investigate consumer report '' means a consumer report or portion of thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not complete a proper investigation according to the law. Also every piece of information on those accounts are reporting 100 % accurate. And according to FCRA XXXX XXXX XXXX every things has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

I paid {$1000.00} to have artwork restored, matted, and framed. After not hearing from the merchant, I called her on XX/XX/year>, to discuss the status of the project. She let me know that she was not able to frame it because she could not restore the print, but that I could pick it up and discuss it on XX/XX/year>. Upon seeing that the artwork was only pasted to a posterboard and that I would not receive a custom framed image with glass and hardware to hang it as I paid for I requested a refund from the merchant. She said she could not provide it because I am a small business and I do not give refunds. 

Upon leaving the business with my unframed artwork without the services that I paid for I filed a dispute with Citibank on XX/XX/year>, because the merchant refused to provide a refund. The Citibank investigation, or lack thereof, concluded with me being liable for the charge. The merchant claimed : - That because I made XXXXhree other transactions that are not being disputed, there is proof that this transaction is valid. 
- I paid for the goods when I received them so there should not be any concern regarding the goods/services not as expected. 

The first claim is irrelevant because I am not disputing that I approved the charge. I am disputing that the services were not provided. I am not disputing those additional charges because the services for those were provided as expected. 

Also, the claim that I paid for the goods when I received them from the merchant is a lie and in no part factual. This is why the charge was authorized. All the charges were paid before receiving the goods, which is why there is a 49-day delay between the purchase and the dispute. I disputed the charge on the day I received the unframed artwork and the services were not provided. 

I have supplied documentation, photographs, and other evidence as to why the services were not provided. Citibank failed to investigate and to provide a reasonable response as to why the dispute was not resolved accordingly when the merchant did not provide the service and could not provide evidence of the service. 

Rather, during a phone call I was offered a {$150.00} account credit with no explanation as to why. Why would Citibank offer a credit if they believe I am at fault for the charge? I refused the credit because I would not accept fault for the transaction when services were not provided. The representative then tried to dissuade me from filing a complaint with the CFPB. 

Citibank is failing to investigate fraudulent charges beyond the merchant 's response and automatically siding with the merchant even if there is no proof of services provided.
Product: Credit card or prepaid card

There were several charges made and supposedly delivered to my address prior to me moving and my tenants were in the home. Movers had various access to information also. This was conveyed to them. 

I explained this amongst other charges and they still are awaiting and told me two billing cycles and now it's longer. 

I would like this complete and to not affect my credit. Every time I call, I get a different answer as to this matter. 

I'm told that it is appealed, yet they are still reviewing it. 

Thanks, XXXX
Product: Student loan

My federal student loans were transferred from XXXX to Aidvantage in XX/XX/XXXX. Both XXXX and the U.S. Department of Education communicated clearly about the transfer. 

On XX/XX/XXXX I had an email from the U.S. Department of Education confirming that the transfer of my loans to Aidvantage were complete ; I was told that within 10 days of receiving said email, I would receive a welcome letter from Aidvantage. 

I never received any welcome email or any other communication from Aidvantage. 

On XX/XX/XXXX I emailed Aidvantage explaining that I was concerned that I have received no emails from Aidvantage ( even after checking spam frequently ) and I want to be sure I'm receiving communication from them. 

A representative from Aidvantage responded to my email on XX/XX/XXXX saying that I can log into Aidvantage to view correspondence at any time. This answer does not address the lack of welcome letter/initial communication from them. 

I am proactive in my student loans my concern with this loan servicer is with no communication being sent to those of us with loans, what important dates and notices will be missed by those who aren't as proactive? This does not seem like a good first step forward with Aidvantage, and in light of other predatory lending practices by student loan providers this lack of communication does not reflect well on Aidvantage. 

An internet search revealed that I am not the only one without any sort of welcome letter or any introductory correspondence from Aidvantage even as of XX/XX/XXXX. 
It is concerning to me that there has been no communication or onboarding aside from what I myself have initiated.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Complaint Complainant Information : Name : XXXX XXXX Email : XXXX Phone : ( XXXX ) XXXX Address : XXXX XXXX XXXX, XXXX, NY XXXX Subject of Complaint This complaint is filed by me, XXXX XXXX, asserting my status as a secure party with UCC1 filing number : XXXX. It concerns violations of federal consumer protection laws and privacy rights, as outlined in the attached FTC affidavit and supporting documents. 

Details of the Complaint Alleged Late Payments : Financial institutions and credit reporting agencies have unlawfully reported late payments on my credit report. Late payments are transaction- or experience-based information, which are not permissible for reporting under federal consumer protection laws. These actions violate the following : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : Reporting of impermissible late payment data constitutes a failure to comply with the accuracy and integrity requirements under 1681s-2.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 : Misrepresentation of the nature and status of alleged debts through the inclusion of impermissible late payment data. 
Unauthorized Bankruptcy Reporting : I did not consent to any third-party agencies, companies, or credit reporting entities reporting bankruptcy filings or associated information on my credit report. Reporting this information without my explicit consent constitutes a violation of my privacy and federal laws.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : Unauthorized reporting of bankruptcy filings is a breach of consumer privacy rights under 1681c, which restricts the inclusion of certain information on credit reports.

Federal Trade Commission Act ( FTCA ), 15 U.S.C. 45 : Dissemination of unauthorized or inaccurate information is deceptive and unfair.

Attached is a letter from the bankruptcy court explicitly stating that they do not report information to any agency, company, or third party. This demonstrates that such reporting is not only unauthorized but also unsubstantiated by the primary source of the alleged data. 

Secure Party Status As a secured party under UCC1 filing number XXXX, I assert all rights and protections available under the Uniform Commercial Code and federal consumer protection laws to safeguard my privacy and financial interests. 

Desired Resolution I demand the following actions : Immediate removal of all late payment entries and bankruptcy reporting from my credit reports. 
A formal investigation into the reporting practices of the entities responsible for these violations. 
Full compliance with federal consumer protection laws, including adherence to FCRA standards for accuracy, privacy, and integrity in credit reporting. 
Financial restitution for the harm caused by these unauthorized and unlawful reporting actions. 
Attachments The following documents are included as supporting evidence : FTC affidavit dated XX/XX/year>, detailing violations of consumer protection laws. 
A letter from the bankruptcy court confirming they do not report information to third parties.
Product: Debt collection

Received a phone call from debt collector on XXXX. I asked if I could request information via email. They agreed. I sent emails on XXXX and XXXX. Debt collector did not respond to emails and verified the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated my accounts XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX  # XXXX, was properly investigated and verified on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but how is that possible if the dates last updated is inaccurate, the close date is inaccurate, My D.O.B. is inaccurate, payment dates are inaccurate or missing from XXXX, XXXX, XXXX. A collection that is inaccurate. XXXX violations total is XXXX, between the XXXX accounts. XXXX violation total is XXXX, between the XXXX accounts. Experian total violations total XXXX between the XXXX accounts. This is grounds for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. States I have 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. 

Also, I have yet to receive documents or updated information from said agencies.
Product: Payday loan, title loan, or personal loan

On XX/XX/17 I applied for a loan with the above mentioned company and before applying I was never advised of what interest rates would be. Once I applied and was approved I was told that my {$400.00} loan would be {$110.00} but I was never informed that it was biweekly as opposed to a month. I still, do not have any documentation from the company with the interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account with ONEMAIN was fraudulently opened with my information in XX/XX/2021 for the amount of {$9200.00}. I discovered this account my checking my credit report through XXXX. Ive made attempts to resolve this issue with the credit bureaus and haven't gotten any result. This account is negatively affecting my credit.
Product: Credit reporting or other personal consumer reports

I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS.This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that that the information included in my credit report profile, and have failed to maintain reasonable procedures the operations to assure, maximum possible accuracy in the credit reports that are published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible Bankruptcy XXXX XXXXXXXXdischarged Reference number : XXXX The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last XXXX years for employment purposes. FCRA 15 USC 1681
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ),  XXXX XXXX ( Original Creditor : XXXX  XXXX ), and CAINE WEINER ( Original Creditor : 01 XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, TXXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXXXXXX ), and CAINE WEINER ( Original Creditor : 01 XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Debt collection

To whom it may concern, Back in XXXX I received a letter from MIDLAND CREDIT MANAGEMENT INC claiming that I owe monies to some company they just bought the debt from them. I did not recognize the debt and mailed them a debt validation letter on XX/XX/2023 ( exhibit C ). Even they did receive my request ( XXXX receipt exhibit D ), they failed to respond to my letter in violation of the Fair Debt Collection Practices Act. 

Not only they failed to respond to my letter, they continued the collection activitities ( see letter I received from them threatening me with legal action exhibit B ). When I received the threatening letter from them, on XX/XX/2023 I did write them again a debt validation letter ( second letter received on XX/XX/2023 - XXXX receipt exhibit D ). For the second time they failed again to to respond to my letter in violation of the Fair Debt Collection Practices Act. 

Not only they failed to respond to my letter for the second time, they continued again the collection activities by referring me to a collection attorney in XXXX XXXX, FL ( see exhibit A ). 

I am hereby reporting MIDLAND CREDIT MANAGEMENT INC for violation of the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XXXX XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I disclosed a copy of my social security card, bill, and id to insure that I am the one sending this letter. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX I also disclosed the investigation results to show the investigation was not conducted properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$13000.00}, and XXXX  XXXX XXXX Open Date : XXXX XXXX, XXXX Balance : {$0.00}.
Product: Credit card or prepaid card

Someone opened a credit card account using my name and Social Security number and made a large purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681 ( 7 ). Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. Account XXXX XXXX : # XXXX Account XXXX XXXXXXXX XXXX # XXXX. They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681 ( 5 ) ( A ) ( i ). I attached a consumer report as evidence.
Product: Debt collection

I signed up for XXXX XXXX XXXX card and I always paid of my credit every month I had good credit history. I started off with XXXX and they went up to XXXX because I always paid on time. When they made the switch to Citi Bank they didnt notify me and I had credit that still had to be paid off on XXXX XXXX XX/XX/XXXX I didnt even know where to go I kept logging in on my XXXX XXXX but it wouldnt let me from XX/XX/XXXX till XX/XX/XXXX. Finally in XX/XX/XXXX I received a card and a late fee notice that they were going to go to collections with my debt. I tried multiple times to call back and forth and settle it with them from XX/XX/XXXX - XX/XX/XXXX. I made payments to try and catch up. I finally took out a loan from my bank to pay it off because I did not want to hear from them any more. I would make my payments on time and they still would call saying that I owed money. After paying off the card in XX/XX/XXXX they sent me a statement in XX/XX/XXXX for money I paid off. I called a representative and they erased it and apologized. I have been on it with my credit history before citi bank.