23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On my Chime Credit Builder Card, I noticed fraudulent charges had been made the following morning. The fraudulent charges were : ( Dispute # XXXX ) Merchant : XXXX XXXXXXXX XXXX Amount : {$10.00} Date : XX/XX/22 Time : XXXX XXXX  Merchant : XXXX XXXXXXXX XXXX XXXX Amount : {$50.00} Date : XX/XX/22 Time : XXXX XXXX  Merchant : XXXX XXXX XXXX XXXX Amount : {$50.00} Date : XX/XX/22 Time : XXXX XXXX  Merchant : XXXX XXXX XXXX XXXX Amount : {$400.00} Date : XX/XX/22 Time : XXXX XXXX I immediately called the company and they stated that it can take up to 90 days to investigate. I had a following hack happen on XX/XX/22 to my Chime Debit Checking Account and had to make additional disputes. ( I am making a different claim with CFPB for the Chime Debit Checking Account since it is a different type of card. ) This morning, I read an email from Chime stating that they will not be refunding my money for two of the total 8 transactions. ( The others are still under investigation. ) I was informed that I needed to send in additional documents to continue my dispute. So, I am making an official paper trail for all of my disputes with Chime.

This dispute specifically is focused on the Chime Credit Builder Card, where they promote that you send your funds from your debit to then use the credit card and help build your credit score. Well, I did this and now my money was stolen and still pending refund. With my current experience with Chime, and now suffering from fraud on another one of their cards, I feel that they will ultimately string me along and not only leave my family without our hard earned money, but promote to hackers that there are no real consequences for fraudulently hacking into Chime to make unauthorized transactions and steal from their card holders.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against timeshare XXXX / XXXX ( XXXX XXXXXXXX XXXX ). The people I dealt with told me that I'm making a good financial investment. They said I can earn from this if I decide to sell it as the resale value would go up. I was also told that it had some tax benefits similar to owning a second home. I felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's my last chance at the lowest price. I never received a copy of the application nor was I properly informed about the fees ; they never made me aware of it. I was also under the influence of alcohol during this time and I was XXXX, so I felt these factors were used and I was harassed and was taken advantage of, they didn't even allow me to read the contract. I didn't know how to cancel, they never properly educated me like how many days to cancel and such. I had the worst experience with this timeshare, I was highly pressured with their sales tactics. I'm old and I already have a few medical conditions such as XXXX they simply took advantage of my current state to get me into this. I was simply defrauded and lied to. Having this timeshare just gave me hardships rather than helping me to relieve stress for people my age, especially when I'm already dealing with several medical conditions, but getting involved with this timeshare just doesn't help, it actually makes it worse for people like me. Problems caused by this even make me lose sleep and its just extremely stressful for me.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Checking or savings account

I signed up for a checking account with PNC bank. The account came with Overdraft Protection. It says this is an " opt-in '' service but I was automatically enrolled and did not want this service and I instead had to opt-out of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Account passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

Please remove/block the account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXXXXXX Date Opened : XXXX -- XXXX XXXX : {$1600.00}
Product: Debt collection

I just got a call from Unifin saying they're collecting on a credit card debt of {$3800.00}. They had my name, last 4 of SSN, and DOB. They say the last payment was XX/XX/year>. I live in NY, the statute of limitations is 3 years for CC debt here to my understanding. 

The phone rep wanted me to pay ON THE SPOT on the phone. I said no, that even IF they can demonstrate that this is my debt ( I neither confirmed nor denied that it is because I honestly do not know, I didn't receive any documents, just this phone call ) I am not paying because I am no longer legally liable for it. The phone rep said that I AM *legally* obligated to pay it. I told her she's wrong, reiterated the 3 year SOL, and hung up the phone.
Product: Mortgage

LoanDepot was grossly negligent in their handling of my refinance application. I refinanced my LoanDepot loan with a 3.6 % interest rate, for a new LoanDepot loan at a lower interest rate. Given that I was refinancing my loan with the same company, I would've expected the process to go smoothly. I provided all documents needed to refi within a few days of starting the process and paid for the appraisal. The entire process took 5 months when it shouldn't have exceeded 30 days. In addition, their negligence cost me an additional mortgage payment of over {$3600.00}. By contract they were supposed to fund the loan on XX/XX/2020, they did not fund until XX/XX/2020. XX/XX/XXXX was my deadline to pay that month 's mortgage payment. 

When I reached out to my loan officer XXXX XXXX, he informed me that since my last payment exceeded the amount of the loan, it would be reimbursed to me. The title company sent my a check for only about {$1600.00} ( {$600.00} of that was already slated to be my cash at closing ), so about {$1000.00} was added in addition. There is an additional {$2600.00} that is missing. 

In addition, I was charged about {$600.00} for an appraisal that never took place in person. The appraiser never inspected my property. Therefore I should've been charged less. 

My first experience with LoanDepot went well, but this last experience was a nightmare. Their staff did not communicate well. They were unavailable, and as of late, are completely ignoring my communication.
Product: Credit card or prepaid card

There was fraudulent charges made on my Capital One credit card that was opened on XX/XX/XXXX XXXX in the amount {$680.00} and have tried several times to have this removed from my credit report with all three major reporting agencies as well with the merchant. They refuse to remove this account.
Product: Credit reporting or other personal consumer reports

Initial complaint # XXXX New complaint submitted to attached updated FTC Report Report was updated to include inquiry dates although dates are clearly listed on dispute letter. Initial report also did not include XXXX and Experian, the two entities reporting incorrect information that has been identified as fraud.

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

Equifax blatantly ignored 1st request to block accounts that are a direct result of Identity Theft and ignored 1st CFPB complaint re : Identity Theft and accounts reporting a direct result of Identity Theft. Equifax sent me another letter dated XXXX stating cant block accounts as don't have the required info to prove my identity. That is not true as I have submitted this twice to them. 

I placed an extended fraud alert on my Equifax credit file on XXXX and placed a security freeze in XX/XX/2022 as a result of Identity Theft where my SS # was linked to another name and address. On XX/XX/2022 I mailed in XXXX detailed pages requesting information on my credit file be blocked as a direct result of Identity Theft, including all completed and submitted Identity Theft Reports to the Federal Trade Commission, my driver 's license, SS card, and recent utility bill for proof of identity and proof of address. On XX/XX/2022 I received a letter from Equifax stating they are r3efusing to block any information as they need proof of identity and completed submitted Identity Theft Reports with the Federal Trade Commission. ALL OF THIS WAS IN THE XXXX PAGES I MAILED TO EQUIFAX ON XXXX!!! They just blatantly ignored this!!! This is wreaking havoc on my entitr4e credit file and I have been denied several things due to EQUIFAX 's blatant negligence in correctly reviewing my info and blocking information resulting from Identity Theft. I have again included all of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted the company to advise that i was victim of fraud while i was in XXXX the company has failed to verfiy the accuarte information so i am demanding it be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave Experian any written consent to report anything on my consumer report. No consent is Identity Theft
Product: Credit card

My payment was due Monday, XX/XX/XXXX. I am behind on my payment because I am dealing with some money issues. Beginning that day, I was called at least 3 times a day by a collector. I have been called a total of 21 times since that day. I have spoke with someone at least twice in that time span as well and asked they stop harassing me under FDCPA guidelines. They indicated theyve not violated any guild lines and would not be discontinuing. 

This is a Citi Bank Home Depot Card
Product: Debt collection

I made agree ment with XXXX XXXX in XXXX, nc I bought a house in another state, we agree that I will pay XXXX.rent and they will rent the apartment in XX/XX/XXXX, three months later I get a letter from a collection agency telling me I owe XXXX dollars 3 months of rent, the manager agree to the terms.that I can get out of lease, but I will not get my deposit back
Product: Credit card

I was charged a XXXX late fee on my account. Santander posted my payment 3 days late. Santander stated that they received and posted my payment the day it was received. I do not believe that 1, because XXXX service is not that slow, it was mailed 10 days before it was posted, 2, because all other payments mailed on that date managed to get delivered on time. 
I want the XXXX credited back to my account, along with any finance charges associated with this charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to address an ongoing issue with XXXX, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I have made multiple attempts to correct a problem regarding certain inaccuracies on my credit report, but XXXX has consistently failed to provide the necessary information despite my valid proof. This continuous failure to comply with the FCRA 's rules of procedure has compelled me to bring this matter to your attention, and I kindly request your immediate action to resolve this issue. 
As a consumer, I have the right under the FCRA to request and receive certain information from consumer reporting agencies, such as XXXX. This includes the right to obtain copies of my credit reports and the ability to investigate and dispute any inaccurate or incomplete information contained within them. The FCRA further stipulates that consumer reporting agencies must respond to these requests within a reasonable timeframe and provide a method of procedure for resolving adverse actions. 
Please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number XXXX XXXX Delete this account. 
there is some inaccurate information reporting. 
Address is not mine XXXX XXXX XXXX XXXX XXXX, Ca XXXX
Product: Checking or savings account

My issue is with the Chase Bank location in XXXX XX/XX/XXXX, XX/XX/XXXX. Address : XXXX XXXX XXXX XXXX, XXXX,XX/XX/XXXX XXXX. The Branch Manager 's name is " XXXX '', ( XXXX ) XXXX. 

20+ years ago, I opened a checking account with this bank that came with a free safe deposit box. This was not a service that I needed or wanted, but it was " free '' and I was told I could not refuse the keys. So I have the keys. I have never used the box and it is empty. 

Fast forward 20+ years, I live inXX/XX/XXXX XXXX and the " free safe deposit box '' is now announced by Chase to be no longer free ( I had completely forgotten it, honestly ). I call Chase, ask them to close the safe deposit box, and ask where I should mail the keys. They say no, I have to close the box personally in XX/XX/XXXX ... XXXX miles away. I can't close the box from XX/XX/XXXXno matter what I do. My only option is to either go there or find someone inXX/XX/XXXX to give a power of attorney to to close the box. I was inXX/XX/XXXX for work and don't know many people there, certainly nobody I could trust with a power of attorney. 

I am willing to mail them the keys by registered mail and send them a notarized affidavit declaring the box to be empty or that I voluntarily waive the rights to anything that may be found inside. I have offered to do these things in person with the Branch Manager of my local Chase branch. Chase has refused both. They are offering me no way to avoid theXX/XX/XXXX/year penalty I would have to pay for a service that I do not want. 

I believe this practice is a potential violation of UDAAP ( The Unfair, Deceptive, Abusive Acts and Practices Act ), where in order to avoid a new fee, the person has to show up in person at a location that is not reasonable for them to visit. Chase refuses to discuss the matter or allow me to escalate further.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

On XX/XX/XXXX I depositwd {$4300.00} to my bank account. The ATM gave me a rwceipt to call an XXXX number. I did the next day and filed a claim. I was given my twmporary credit. As of today XX/XX/XXXX Chase bank is telling me that the investigators only fpund $ XXXX.My accou t is currently negative - $ 2000+ with all my autobills pending. And they dont want to help out. I have requested for xamera footage and further investigation. I called and even went in person to the branch where the ATM is located. And no help nor response.
Product: Credit reporting or other personal consumer reports

FCRA Viloations not mine HIPPA Violatios not my medical bills LAW OFFICES XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Last reported XX/XX/XXXX {$280.00} Open balance XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$690.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX & XXXX Last reported XX/XX/XXXX {$2000.00} Open XXXX XXXX XXXX XXXX Original creditor Not my Inquiries 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
Product: Checking or savings account

On XX/XX/XXXX I tried to make a transfer deposit of {$430.00} from my Chime checking account ( XXXX XXXX  ) to my XXXX bank account online. I had just received {$430.00} ( confirmed credited to my account ) in the form of a direct deposit from my employer earlier on the same date. 
XXXX XXXX  rejected this deposit on XX/XX/XXXX and stated insufficient funds were the reason. Per XXXX, the deposit was returned unpaid to Chime and debited from my XXXX account. My balance in my Chime account was enough to cover such a deposit, however. 
After speaking to Chime several times I spoke with XXXX, a manager in the claims department, who told me that I would have to fill out a claim form for the money and then submit it to another department. He assured me that he would email me the proper form ( s ). I have yet to receive anything from him or the department. My last call to them yesterday XXXX XX/XX/XXXX ) ended with a customer service representative hanging up on me while I was complaining about my situation. Earlier yesterday Chime had sent me an email stating that there was no reason for them to credit my account with the {$430.00} from the failed transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Dear XXXX XXXX XXXX XXXX ( CFPB ) : My Name is XXXX XXXX XXXX, and I am providing the below consumer complaint for your review and ask for your assistance in this matter at your earliest convenience. 

Note : In addition to this letter depicting the exact and honest events that has taken place by and from Chase Bank Credit Cards, I have also provided a snapshot of this information from my recent personal credit report. I would also like to add, that I am available and more the willing to speak this truth noted below on a phone call and can be reached at XXXX. 

Complaint Snapshot Summary I am in the commercial real estate business and have a Business credit card under my company, XXXX XXXX XXXX, XXXX. This card for 14 years ended in XXXX and was changed in XXXX ( without my knowledge ) to a new account number ending in XXXX but remained a business Credit Card under my Company. This is a Chase XXXX XXXXXXXX XXXX Card, I opened the day I opened my accounts- both my business accounts and moved all my personal banking over to Chase Bank in XXXX, TX at the XXXX XXXX XXXX, approximately 15 years ago. The XXXX Card had a {$22000.00} balance ( approximately ) going into COVID and was paid in full to a zero balance on XX/XX/XXXX. This card is open, never charged off, is paid to zero balance, and reporting negatively on my personal credit with all three reporting agencies, which never did until XX/XX/XXXX. I have never been late other than during COVID and as you will read below, I was given payment options and guidelines by Chase Credit Card XXXX and encouraged to do same and there would be no negative reporting as a result of following the Chase Credit Card payment help. paid what I was advised to pay by Chase Bank to prevent any negative issues reporting to my personal credit report. I have satisfied this debt in full as I told Chase I was going to do. I was NEVER advised of any grace period ending by anyone at Chase. I was obsessed and relentless with Chase that I can never have this report negatively to my personal credit and said this to them on EVERY call. However, now, due to my trust in Chase Bank ( over many, many calls ) and the words they misrepresented to me and my family, I am now in a huge loss with a COVID impacted business card reporting very negatively on my Personal Credit ( over 110 points ), destroying my personal credit, I built for 30 years and preventing us from buying a home.