23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Hello, On XX/XX/XXXX I applied and was approved for the Amex XXXX XXXX Credit Card. I applied through a XXXX promotional offer link, however only received XXXX points. I have called multiple times and the agents have not been able to help or explain why. It was extremely misleading because every time I refreshed the page it showed a different amount of points for the bonus, however I clicked on the XXXX offer. I thankfully took a photo because I sent it to XXXX of my friends to also inform her of the great offer. I am requesting that I be made whole for the additional points. I have contacted numerous times and unfortunately got no where by contacting Amex.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reinserted a collection in the past due amount of {$430.00} also, a opened date of XX/XX/2022. This account was removed and resolved with previous assistance of a cfpb complaint and has been reinserted without my knowledge and or a written notice. 

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. Also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681i 5 ( B ) section states Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information ( ii ) Notice to consumer ( iii ) Additional information : written notice to consumer ( C ) Procedures to prevent reappearance ( D ) Automated reinvestigation system
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 2020 Experian has sent me 2 different credit reports for two separate people in response to my 30 day campaign in which I write a letter to each of the 3 credit bureaus disputing information, everyday for 30 days. In response to these letters, Experian has sent the accurate credit report ( mine ) and then the next day sent another person 's credit report to me. Someone who is married, lives across the country. I'm single, never been married. Experian is mishandling personal, confidential and sensitive information and it is illegal and irresponsible and they have ruined my credit with their inability to manage information properly.
Product: Debt collection

I never received a written notice to pay said amount. It just showed up on my credit report.
Product: Debt collection

I, Consumer XXXX XXXX XXXX XXXX XXXX XXXX, entered into a consumer credit transaction with Bank of America, N.A. on XX/XX/2021. I went to exercise my federally protected consumer rights and asked Bank of America to validate the debt and cease communication. None of which occurred and now they have reported negatively on my consumer report which prohibits me as the head of my house to provide for my family. They continue to violate my federally protected consumer rights as if they do not exist and even went as far as claiming that they do not fall under FDCPA ( Fair Debt Collection Practice Act ). If that was true I wouldn't have received statements via USPS that said this is an attempt to collect a debt. It is truly sad that they deceive other consumers at such a high degree in an attempt to coerce payment. I will be pursuing litigation for violating my consumer right to privacy and embarrassing me on my consumer report, my reputation, by reporting to the consumer reporting agencies a transaction/experience between myself and Bank of America, N.A. that should have never been furnished in the first place pursuant to 15 USC 1681a. ( d ) ( 2 ) ( A ) ( i ).

In good faith I offered Bank of America, N.A. an opportunity to cure for default and they disregarded and in return reported negatively to my credit report
Product: Money transfer, virtual currency, or money service

- Phone was stolen at a restaurant in the evening - Before I could deactivate it, culprit was able to change my XXXX XXXX password - Culprit changed my Chime login information so I could not login - In addition to other finance related offenses committed by the culprit ( that have since been resolved ), they sent the following from my Chime checking account to my XXXX XXXX XXXX  : {$500.00} {$500.00} {$3400.00} {$500.00} {$4500.00} {$30.00} {$490.00} TOTAL : {$9800.00} These were all done fraudulently without my approval. Since then, I have fruitlessly been in contact with Chime to resolve the matter but to no avail ( see below for timeline ), even including a police report to my claim. 

XXXX - I filed claim to dispute transactions- I reached out to Chime requesting to cancel all transactions/ inform Chime account has been compromised XXXX - Chime denied first claim for {$520.00} XXXX - Chime acknowledges my email from XXXX that my phone has been compromised XXXX - Chime denied rest of claim of {$9400.00} XXXX - I resubmitted claim. Attached additional documentation to it ( i.e. crime report, etc. ) XXXX - Chime denied full claim of {$9900.00} ( again ) XXXX - I resubmitted claim. Also messaged their XXXX XXXX. 
XXXX - Chime denied full claim of {$9900.00} ( again ) XXXX - Chime denied full claim of {$9900.00} ( again ) XXXX - Chime denied full claim of {$9900.00} ( again ) This timeline is missing calls I've made to them, which were plenty. In addition, they have sent me the documentation they used to make this assessment twice. Neither time did it include the crime report or the documentation I shared with them outlining what happened that night. 







Personal Statement : On the night of XXXX, someone stole my phone and managed to get access to all my financial information. Since that time, this individual has caused significant damage to me both personally and financially. 

They have caused > {$20000.00} in tax damages. They have committed > {$20000.00} in fraud, etc. 

That night I was going out with other travelers. My phone was stolen at a bar. Somehow the individual was able to gain access to my XXXX account. 

Below I documented all the events. I will update if I find any additional information.
Product: Mortgage

We have been working a short sale with Chase ( Loan # XXXX ) for 3 years now. We have a legitimate offer on the property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX. Chase has countered several times and every time the counter, the buyer has agreed to meet the price they are seeking. We first submitted an offer on this property back in XXXX XXXX. We have lost several buyers due to Chase 's failure to review the short sale in a timely manner. They most recent offer we have been working was submitted in XXXX XXXX. Chase has just now advised us that " HUD has denied a variance request to proceed with the short because of the delinquency of the loan and they are proceeding to foreclosure. The Short Sale will be cancelled. '' This seems like fraudulent practices by HUD & by Chase Bank.
Product: Credit card

Apple Card company purposly refuses to provide me a monthly bill. Apple Card purposly refuses to change my contact information. Apple Card purposly refuses to provide me a way to monitor my account unless I own an iPhone, which I do not. I believe this company is doing this in an attempt to charge interest to uneducated customers. I have never missed a month payment, but I am unaware and uninformed by the company of when my payments are even due, charges on my card and or any information pertaining to the card. 

Apple Card refused to change my phone number and instead insisted on giving a quiz that did not have any correct answers. Apple Card representative called my phone number and asked me if I have ever went by any other name which I have never.
Product: Debt collection

Despite several disputes and complaints, United Revenue Corp is still reporting false information. My previous complaint requested full debt validation, such as signed paperwork from me that I owe this debt. The company has sent me several bills ( attached to this complaint ) and saying it 's valid but have not provided proof of debt. A bill is not proof of debt. To my knowledge I 've never had business with this company. Please provide VALID PROOF of debt, such as a signed contract by me, date of service, and breakdown of bill, only then I will negotiate a settlement.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 5 inquiries on my report that I have no knowledge of XXXX XXXX XXXX I never had a account with the debitor thats claiming I lived in that apartment
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing inaccuracies reported by Equifax regarding my XXXX XXXX XXXXccount ( Account Number : XXXX ). Despite repeated attempts to resolve these discrepancies, Equifax has failed to properly conduct a thorough investigation, resulting in continued misrepresentation of my credit report. 

Issues with Equifax 's Investigation : Inaccurate Account Status : Equifax has reported the XXXX XXXX  account as " PAYS AS AGREED '' with a XXXX balance, yet it also includes a charge-off amount. This contradiction creates confusion regarding my obligations and misleads potential creditors. 

Discrepancies in XXXX XXXX : Equifax has failed to accurately reflect the accounts payment history. The history indicates delinquencies from XXXX and XXXX, which conflict with its current status as " PAYS AS AGREED '' and closed with a XXXX balance. This misrepresentation negatively impacts my credit score. 

Incorrect Date of Last Payment and Closed Date : Equifax has continued to report an inaccurate date of last payment ( XX/XX/XXXX ) and closed date, despite XXXX XXXX confirming the account was paid in full and closed. These inaccuracies should have been corrected in the investigation process. 

Lack of Full Investigation : Despite submitting detailed documentation and multiple attempts to dispute these inaccuracies, Equifax has not provided a complete resolution or thoroughly researched the discrepancies as required by law. 

Ongoing Delinquency Reporting : Equifax has not adequately addressed the inaccurate delinquency reporting, despite being informed that the account is paid and closed. These delinquencies should be removed as they no longer reflect the current status. 

Request for XXXX XXXX : Given the above, I request that Equifax conduct a proper investigation and correct the inaccuracies on my credit report. Specifically, I ask for the removal of late payments Additionally, I seek an explanation of how Equifax plans to prevent such errors in the future. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Debt collection

Please be advised that this is my 3rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after 2 written requests is also evidence of your Willful disregard of Federal Law.

When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them.

You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }.

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately.

The law is very clear as to the Civil liability and remedy available to me { Section 616 & 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name WFBNA CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX failed to contact me or CFPB within the allotted amount of time. 

Experian requested personal information ; full name, ss number, addresses for 2 years before looking into my dispute. 

XXXX gave no information within their allotted time frame. 

Please refer to my first complaint for details.
Product: Student loan

I called my lender, Navient, and advised them that I was unemployed and/or when employed, my income was below what any affordable payments possible. I have  XXXX  dependents, and my spouse is a  XXXX  Veteran. I was recently informed of the Income Based Repayment Program, however, I was placed on Forbearances for many years. During these years, I SHOULD have been provided the option and information regarding th e Income Based Repayment Plan.  If I was offered this option, I would be much closer to the end of my plan, as I graduated in  2006 .
Product: Credit reporting or other personal consumer reports

XXXX XXXX billed amount XXXX $ -- -this account should not be furnished on my consumer reports as they are in violation of 15 U.S. Code XXXX XXXX a consumer reporting agency shall block the reporting information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Please delete these items immediately.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transaction were authorized. However due to delayed posting of charges and credit, I was unfairly charged an overdraft fees and which my account is in the negative right now. 
The issue appears consistent with the recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

My employees and team moved out of the apartment 3 days before the end of XX/XX/XXXX due to continued infestations of roaches and other pests and lack of maintenance on the apartment. This was an issue since move in. Apartment company allowed us to leave and sent a confirmation email stating the account was closed due to circumstances and they would contact us if anything further was required. Closed account email was sent 33 days after move out even after multiple contact attempts including email for follow up. Never received any follow up. Four months later they put a negative score on my credit for not paying the month of XX/XX/XXXX and in XX/XX/XXXX was contacted by Columbia Debt Recovery DBA Genesis Credit for debt recovery. I never received emails or letters of the proceedings while having proof the account was closed. I never gave permission for my information to be sold or transferred from the leasing company to Columbia and was never made aware of any proceedings through registered mail, email, etcetera. This is 100 % fraud. Columbia has agreed to remove completely with copies of police report and FTC/CFPB complaint which I have provided. I need this removed from my credit completely.
Product: Checking or savings account

In XXXX of XXXX our account was negative XXXX because Wells Fargo took money from our account. This put us in a huge financial burden. They took money that wasn't even in there. So when my paycheck was deposited it was gone. I made multiple phone calls, sent emails, and to tried to resolve this. They refused to even try to work with me. They took a few overdraft fees off, but that didn't help what they did when they took money from our account that wasn't there. They stated it was from the stimulus and we owed it. The sent a letter a week before. Tht is not enough notice and we never signed or agreed to any of this. I called before they even took the money out and asked if we could please arrange something. They said they knew nothing about it. Then the next week took it out. When I called again, they said they could not do anything. We had to take out personal loans to get by because of this. This ended us costing us so much.
Product: Checking or savings account

Wells Fargo is charging me overdraft fee for everything even though they have already subtracted the money my account
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices that came to my attention. Which also violates the ( CFPA ) Consumer Financial Protection Act. YES, Cash App has failed to take time and effortless measures to prevent and address and fraud on their platform leaving My account vulnerable and unsecured. Cash App disputes and other solutions process is and definitely was unfair! They didn't comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused major inconvenience and financial loss, and I seek justice and appropriate redress for ALL violations!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX  XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have contacted all 3 credit bureaus numerous of times to get items that are not mine to be removed and they refused to investigate them accurately and delete them the accounts that are not mine and need to be removed are : XXXX XXXX, XXXX, New York, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and unknown collection. I ve supplied ID Theft Affavaid, police report and constant dispute letters I have sent out letters on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XXXX, XX/XX/2019 they keep asking for identification documents I have submitted my ID, Electric Bill, Bank Statement, Social Security Card and Red Light Volition. Submitted them everything and they keep asking for more information and not processing disputes.
Product: Debt collection

Please delete the account from my credit report for all 3 bureaus ( XXXX, XXXX and XXXX ). Contract Callers inc added derogatory marks on my credit file the amount was {$760.00}. I initially disputed it in XXXX as fraud I've never had a signed contract and /or account with said company. YOU HAVE NOT PROVIDED ME A COPY OF ANY ORIGINAL DOCUMENTATION REQUIRED UNDER SECTION 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with signature on it ) and under SECTION 611 ( 5 ) ( A ) of the FCRA- you are required to " PROMPTLY DELETE all information which can not be verified. 
Fast forward to XX/XX/XXXX you are still negatively affecting my credit report. IF THE ACCOUNT IS NOT DELETED, I WILL BE FORCED TO CONTACT THE XXXX AND LEGAL COUNSEL TO FILE SUIT.
Product: Checking or savings account

I opened a bank account with this bank as well as a personal loan for XXXX. My first payment was end of XXXX in which I made this payment. When I attempted to make my second payment at the end of XXXX I was blocked by the banks portal ( error code on picture attached ) The only way to make a payment on the loan is to pay from the bank account and transfer to the loan. I was shown how to do this by the banks customer service team. 

After receiving an error multiple times I reached out to the bank. They informed me the system may just be down and try again tomorrow. The problem continued and I began calling the customer service center trying to figure out a solution. It wasnt until around XX/XX/XXXX that I reached supervisors who informed me my checking account has been under review and suspended since XX/XX/XXXX. I can not transfer money to the loan from the account. When I asked for a solution I was told there is no way except to talk to the specific branch. The branch I received this loan from closed and moved down the street. They also let go of the loan officer ( which they told me to contact ) so they say I dont have one now I have to deal with that specific branch. 

They then reported to all credit bureaus that I have two late payments and have refused to pay even though Ive tried to pay the entire time. I have to now buy a plane ticket down to Florida just to go to this specific branch to authenticate so they will release my funds and ALLOW me to pay on the loan. 

This biggest problem is the fact they have reported 2 late payments and a third is a big deal. I am a struggling small business owner and this bank has lowered my credit score 70-90 points with this crazy process. 

They are also in violation of pursuant 15 USC 1681-2 because they never informed me my account was blocked, they know Im attempting to pay and they arent giving me information as to why I cant transfer money from the account to the loan. The history of the loan also doesnt financially make since. If you look at where the loan started and what I payed with the fees they added ( wrongfully ) the math doesnt add up. They have added other fees and not added them to the account. ( Shown in picture of loan history ) This situation is ridiculous, a customer should not have to fly to a different state to solve an error that is only in the banks hands and my credit shouldnt be destroyed because of their error and lack of organization. My next step will be legal if this isnt handled. 


The bank also broke 15 U.S. code 1666b- timing of payments. I was never informed my account was locked.I was never given any information that I wouldnt be able to pay my loan. It wasn't until calling 30+ times one person happened to mention the account was under investigation and i learned this XX/XX/XXXX. Whats even worst is the account doesnt say anything is wrong on the portal, just saids open. 

The specific branch is XXXX XXXX XXXX XXXX Florida XXXX. 

General manager at this branch I spoke with is XXXX.