23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Given that Experian is acting in bad faith and have not complied with the Fair Credit Reporting Act 611, I am filing this complaint.. I have attempted to have XXXX clear up this matter since the listed items are entirely inaccurate and represent a very serious error in reporting. CFPB amp up and resolve this for me. Remove XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX   ) XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

I called XXXX XXXX XXXX at XXXX XXXX XXXX XXXX at XXXX XXXX cst. informed them of my dispute in regards to a credit card balance that was owed to Amex, informed them more than 20k is unauthorized charges. They refused to put in my complaint saying the submitted one back in 2014. I spoke with XXXX at extension XXXX, I asked him for the lowest settlement by company policy, he lied and told me about 27k when XXXX was possibly the lowest.
Product: Money transfers

PayPal Credit problems : My dispute lies in a purchase made on Ebay on XXXX XXXX, XXXX for {$43.00}. 
This was paid on XXXX XXXX, using my XXXX XXXX card, and I have this confirmed from both Ebay ( ref number XXXX ) and my XXXX XXXX statement. 
However PayPal Credit claims that on XXXX XXXX, they paid a bill for {$42.00} and then did not send any form of statement until XXXX XXXX at which point multiple billing cycles had passed and interest and late charges were applied. 
I checked with the vendor and he never received two payments, ONLY my credit card payment. 
Since I had no idea there was any involvement with PayPal credit until XX/XX/XXXX, I began at that point trying to call and clear the matter up. Finally on XXXX XXXX, XXXX ; I paid {$46.00}, NOT because it was a legitimate charge, but simply to end the matter. Their representative told me my account was now cleared and closed. At no time ( during over 3 hours on the phone with PayPal Credit ) did they assign me a dispute number or make any attempt to clarify ther billing error. However, after my last call I was assured that my payment of {$46.00} ( which was paid only to put a halt to the continuing bills and failure to respond by PayPal Credit ) would cover all costs and no further statements or charges would be assessed. 
Now I have received another statement claiming I still owe {$100.00}.
Product: Credit card

Subject : Formal Complaint for Violation of Regulation E and Demand for Immediate Remedy To Whom It May Concern, I am writing to you as the aggrieved party in a matter concerning a recent transaction dispute with Chime, which I contend is in direct contravention of the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., and its implementing Regulation E, 12 C.F.R. 1005. In accordance with the aforementioned statutes, I hereby submit this formal complaint and demand immediate remediation of the errors perpetrated against my account. 

**Statement of Facts : ** On XX/XX/XXXX, I received a perfunctory correspondence from Chime, indicating a denial of my claim related to an unauthorized transaction. The communication was devoid of any substantive rationale, merely stating " no error occurred. '' This conclusory assertion fails to satisfy the disclosure requirements mandated by Regulation E, which necessitates a financial institution to furnish a written explanation of its findings post-investigation. 

**Legal Grounds : ** The denial letter 's lack of detail constitutes a flagrant disregard for the procedural due process rights enshrined in Regulation E, which explicitly stipulates the obligation of financial institutions to provide a comprehensive error resolution notice. The statutory damages for noncompliance with Regulation E can range from {$100.00} to {$1000.00} for individual actions, with potential class actions resulting in statutory damages of the lesser of {$500000.00} or 1 percent of the net worth of the defendant, as well as the recovery of attorney 's fees and court costs **Nevada Revised Statutes : ** Furthermore, pursuant to the Nevada Revised Statutes, consumers are afforded protections under NRS Chapter 598, which governs deceptive trade practices, including but not limited to the dissemination of false information and failure to disclose material facts in consumer transactions. 

**Demand for Resolution : ** In light of the aforementioned violations, I demand the following : 1. Immediate crediting of the disputed amount to my available balance, as my secure account was debited contemporaneously with the credit extended at the time of the transaction in question.

2. A detailed and itemized statement delineating the investigative process undertaken by Chime, the evidence evaluated, and the justification for the claim 's denial, in compliance with the requirements of Regulation E.

3. Statuary damages in the amount of XXXX $ **Conclusion : ** Should Chime fail to rectify this situation forthwith, I reserve the right to pursue all legal remedies available, including but not limited to initiating litigation for the recovery of statutory damages, attorney 's fees, and any other relief deemed just and proper by the court. 

Please acknowledge receipt of this letter and provide a substantive response within fifteen ( 15 ) business days of its receipt. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I made a payment of {$8900.00} to Comenity Bank .On XX/XX/XXXX Comenity bank Switched credit card companies To XXXX XXXX.Our balance on XXXX XXXX was {$8900.00}. Now Comenity bank says they can not find where we paid {$8900.00} and XXXX XXXX say 's we still owe this money and turned our credit card use off and they say we do not have any more credit left because our credit limit was $ XXXX.Our Bank Statement shows they took the {$8900.00} out of our account. 

Phone # on my Bank Statement is XXXX for comenity. 
XXXX XXXX phone # on back of my card is XXXX Phone # on Comenity XXXX
Product: Debt collection

i was not wear of this debit told the collector i dispute this charge, he told me to call the police and file a report, i told him that its not up to me to prove this debit is mine, he told me it was and that even thou i dispute this debit they will still call and me on the debit, he refused to validate the debit and once again repeat his story that this is on me and i have to prove to him that this debit is wrong and not i ask for a cease and desist and kind of laughed it off, this a 3rd part for XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to do everything I can to build my credit back up. On XX/XX/XXXX, my credit scores on Equifax and XXXX dropped drastically. Equifax dropped 74 points from XXXX down to XXXX and XXXX dropped 69 points from XXXX down to XXXX. The only things I noticed that changed was a very small increase on a credit card and 1 inquiry. Then on XX/XX/XXXX both scores dropped again 12 points and 13 points respectively. And my report that week showed that balances DROPPED. Ive examined both credit reports very carefully and Ive seen no mistakes to my personal information or on any accounts. I called both credit agencies and have been told by both that everything is based on a scoring model and theres nothing they can do. 
Then on XX/XX/XXXX, Equifax raised my score back up 83 points with no change on my report. Then on XX/XX/XXXX it dropped again 85 points and I had 2 account balances DECREASE. 
This is extremely frustrating and I cant help but to believe theres a serious problem with my account. Ive had inquiries drop my score in the past maybe 1 or 2 points, but 74-85 points is ridiculous. Ive gotten absolutely no help or even any assistance in trying to find a solution to this. If the score is correct then all I want is an explanation as to why my scores are so erratic for no reason. 
Please help me with this issue. Im at a total loss Thank you
Product: Prepaid card

Purchased a Google play gift card from XXXX, {$25.00}. Tried to redeem it and was told to fill out a form. Weird, but I did with the original receipt included. Then they tell me I can't use it due to inconsistencies but won't tell me what. I'm pretty sure it's illegal for a merchant to refuse their own gift card. Afterwards finally I got an email straight up saying the gift card I validly paid for is no longer usable, a merchant can not do that. I've included the original receipt as proof of ownership and purchase. This is the 4th complaint I've had to open because it is not resolved. Google play email is XXXX.
Product: Student loan

Since XX/XX/2020 I have sent Navient Solutions LLC {$9700.00} towards my student loans as part of my repayment of the money I still owe for college loans taken out 12 years ago. I have struggled with making on-time payments in the past and have made sacrifices so that I could get my credit back and begin to pay them on time. I have found it troubling that with sending almost {$10000.00} to them, my balance never seems to lower. After looking at how my money is being used, only {$1900.00} has been applied to my principal balance. {$7700.00} since has been set aside to pay interest. 
I am reaching out to see if there is anything you can do to help bring some balance to this transaction. It is an absolute shame that this is allowed to happen and I'm sure I'm not the only person that is suffering from this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Transunion on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

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

We opened this account in XXXX and paid on time each month until XXXX XXXX when we filed for bankruptcy ( Chapter XXXX ) when we stopped making payments per our attorney. The trustee made payments to Ally until we dismissed the bankruptcy in XXXX or XXXX XXXX. Ally is incorrectly reporting the account as late every month during this period, instead of stating that it was included in the bankruptcy and omitting the fact they were receiving payments from the trustee.
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency has continued to report to XXXX on an account I paid off in full on XX/XX/2013 and closed as agreed upon.
Product: Credit card

Hello, I am a consumer of the Macy 's American Express Credit Card. I had a zero balance on my credit card. In XX/XX/XXXX2015, there was a purchase that was made at XXXX XXXX XXXX restaurant. This purchase I inadvertently used my Macy 's American Express Credit card. I did not remember that I used this card. On XXXX XXXX, I go into my e-mail and there is a bill with a late fee. I then logged into my account, and began reviewing statements. I then see the charge was from an XXXX XXXX purchase. I immediately contacted customer service. The customer service department was not only rude they were not helpful. 


I had over {$180.00} in late charges for this {$35.00} purchase. I asked customer service, why did n't I receive a telephone call after the first month of not receiving a payment. In addition, this is not the norm for my account because I have paid this bill completely off. Customer Service explained, that because I was signed up for bill pay, which is why I did not receive a call. This account as also reported late to the credit bureaus. I did not receive the e-mail for the bill. I understand that does not negate that I have a balance owed, however it would seem customer service would have contacted me regarding payment. There was no regard for me as a long time consumer of this account, with an excellent payment history. I was told there was nothing I can do regarding this account.
Product: Checking or savings account

Navy Federal Credit Union has continually charged me overdraft fees when my checking account went in the negative, even though I had money in my savings account that is tied to my checking account. I have multiple checking and savings accounts that Navy Federal could have drafted the money from, but instead they would charge me {$20.00} each time. When I noticed that my account was overdrawn I would transfer money from one of my other accounts like Navy Federal should have done instead of charging me {$20.00} each time this happened. Also, I believe that Navy Federal intentionally leaves purchases in a pending status so that the consumer loses track of their account balance. It is hard to know what my account balance is because Navy Federal leaves pending charges making it impossible for me to know what funds I have available. Here are a list of {$20.00} overdraft fees that I can find on the Navy Federal app. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I'm 100 % sure there's more. I knew that Navy Federal was intentionally charging me overdraft fees. I would transfer money from one of my other Navy Federal accounts to bring my account balance out of the negatives and they would make another draft, putting my account in the red again and charging me another fee. As you can see from the dates above, Navy Federal would charge me overdraft fees back to back.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of My credit report and noticed i had fraudulent accounts on My report. Please remove these accounts from My report, they are hurting My ability to obtain credit
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Complaint Date : XX/XX/year> To Whom It May Concern, I am writing to file a complaint against Equifax regarding an inaccurate account associated with XXXX XXXXXXXX XXXX XXXX I believe that Equifax has violated the Fair Credit Reporting Act ( FCRA ) in the following ways : 1.15 U.S. Code 1681e - Compliance Procedures : ** Equifax has failed to maintain reasonable procedures designed to avoid violations of section 1681c and to limit the furnishing of consumer reports to permissible purposes.

2.15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : ** Equifax has provided my consumer report for purposes that I believe are not permissible, including employment purposes. 

The specific issue pertains to an inaccurate account linked to the address XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX. This address is not listed on my driver 's license or rental lease. Despite multiple disputes filed within the last 90 days, Equifax continues to send me stall letters stating they can not locate a credit file. 

I strongly believe that Equifax is using this inaccurate account for reselling and for employment purposes, which is unacceptable and damaging to my credit profile, violates the FCRA. 

I request that Equifax promptly investigate this matter and remove XXXX XXXX XXXX XXXXXXXX account from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2019, my girlfriend and I went into the Huntington Bank at XXXX XXXX XXXX, XXXX XXXX, MI XXXX ( XXXX ) XXXX ( what is listed above in the form I filled out is the corporate office ). Waited over 30 minutes to see someone about setting up a new business account. Note : I'm already an existing 11 year customer with a healthy business account and personal account. We ended up getting the Branch Manager,  XXXX XXXX. Get in her office and she stops me mid sentence and says and she won't deposit the check because " company '' was abbreviated to " comp '' ( which ended up being because of software character limits in the company name ). If that's not enough, she didn't even bother to setup the new business account or even offer to set one up, or look up my existing account. I need to be very clear here, she didn't even " wake '' up her computer or use it at all, she didn't even swivel around to look at her computer. 

We then went to the Huntington Bank on XXXX and the Branch Manager had no problem! Setup my new account and deposited my check. A week later, got my new debit card in the mail and the company name was abbreviated to " Comp '' - yes. Seriously! So according to XXXX XXXX, this debit card would not be valid. Right? Did I mention I had my girlfriend with me when I went in? That is discrimination. This lady needs a job that caters to her discrimination because at the end of the day, no training can remove her subconscious hatred that affects her ability to do her job fairly. 

I called the following week and filed a complaint with Huntington Bank. XXXX XXXX ( phone number XXXX ) called me back from the corporate office and basically just listened, in a later conversation, he admitted he took no action. There was some miscommunication and another person named " XXXX '' ( phone number XXXX ) called from a XXXX area code stating to be from Huntington Bank. He told me he spoke to XXXX XXXX and the reason she didn't setup the account is because the mailing address of the business was at a XXXX store. Remember I said she never once used her computer? I have a witness, she does not. That is her defense. It's an outright lie and falls flat when I say it is the same address of my business account that I've has with them for years. There is really no other explanation than discrimination if I am able to take the check and DBA across town and get the account setup and check deposited.
Product: Bank account or service

Due to several times of having both bank savings and checking accounts being hacked, Wells Fargo, without any notice, froze out both my checking and savings accounts the week beginning XXXX XXXX. They said that my account would be liquidated by XXXX XXXX and any remaining funds would be sent to me. 
Therefore, any outstanding checks I had written were not honored by Wells Fargo. Luckily there were only XXXX checks. I was able to contact the XXXX of the XXXX companies in which I had written checks. However, XXXX returned ( XXXX ) checks that were both written on XXXX/XXXX/2016. XXXX automatically charges {$30.00} service charge for both checks. 
I understand XXXX policy and do not fault them. However, I do take exception to Wells Fargo for if they had allowed any outstanding checks to clear, this would not have happened. 
Wells Fargo should return the {$60.00} back to me in addition to the money they still owe me as well as what was taken out of my savings account ( already wrote to CFPB on this in a previous complaint ). Thank you.
Product: Credit reporting or other personal consumer reports

Reviewing my information and verifying the alerts that come to my phone that they were accessing my information without my authorization to obtain credit and financing, which he claimed are fraudulent, please remove all these inquiries from my information : delete. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, these are inquiries that I do not recognize and are fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

Radius global solutions is a scam and only there to Corner people, my XXXX XXXX the one that they are supposedly saying is XXXX dollars in the rears was actually closed 2 months before this bill. Called XXXX they confirmed the account is actually in the positive and has had an account credit, spoke with radius multiple times, they are rude and refuse to look into anything ... what they do is wrong and they do not confirm debts before they go crazy on your credit report. This is affecting my ability to close on my home so I will be seeking legal counsel after this is proved correct. I have account balance screenshots also XXXX said call them they will confirm I have 3 open accounts all paid 100 % on time ......
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit inquiry on my credit report that I didnt apply to and I tried calling but they dont want to take it off I never applied to them before synb/chervon dc on XX/XX/2022 I never applied there any inquiry I have I have a card with them I never applied to this and I want it removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft for over 3 years now, while I was receiving XXXX because of the aggressive XXXX. My creditors did not protect at all while I was battling for my life and this is wrong on so many levels. This is my last and final time reaching out to the creditors and credit reporting agencies. The next step would be contacting an attorney and suing each creditor one by one plus the stress it has caused and court cost. This has been a nightmare, I had to change my drivers license number and contact SSA. This guy even pulled money from my 401K account. I also attached a copy of the police report. The following accounts need to removed immediately XXXX XXXX XXXX XXXX -- never opened an account with this company and would like for this company to send me signed contract with my signature. This is a fraudulent account I want removed immediately. 

The XXXX  XXXX XXXX  -- -- This account was opened and used without my consent, please remove XXXX XXXX XXXX  -- -This account was opened and used without my consent please remove XXXX Department Store -- -Account used without my permission and fraudulent charges by roommate please remove immediately XXXX/XXXX  -- -This account was used and charges were made without my permission please remove from credit file XXXX/XXXX  plcc -- This account was used and charges were made without my permission and consent please remove from credit file XXXX XXXX -- -- This account was used XXXX services were added and I did not consent to this account please remove. 

XXXX XXXX -- -XXXX  is aware of this account also, XXXX closed my account because of suspicious activity I remember them reaching out to me prior to XXXX and XXXX  XXXX along with XXXX I never heard back from them. Please remove account XXXX -- -Charges made and card used without my consent, please remove
Product: Checking or savings account

This Complaint is against Wells Fargo Bank for allowing Fraudulent Transactions in my account, after I had everything put in place due to identity theft, to prevent this- specifically accounts disabled and deactivated. ( 86 ) unpaid Fraudulent Transactions remain, and due to the # of Fraudulent Transactions, they will be listed on several complaints. Too extensive to be listed on ( 1 ) Complaint. Total Amount due ; {$8800.00} -- ( 86 ) Fraudulent Transactions. 
As Follows. In Order. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX