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

On XX/XX/23 at XXXX, my email and chime bank account were hacked. I received notification that 3 unauthorized charges had been placed on my account and immediately contacted Chime. Within less than 30 minutes, I disputed the unauthorized charges, reported my debit card, and changed my online banking login credentials through Chime Customer Support. One of the charges in the amount of {$1.00} was immediately refunded and credited back to my account the same day. The other 2 charges have been disputed and denied 6 times although the charges were made within minutes of one another. The charges for {$400.00} & {$230.00} made at a XXXX XXXX located in XXXX XXXX, NY have been repeated denied although I have provided more supporting documentation with each denial such as work call & email logs at the time of the charges, XXXX XXXX manage contact information, time & location stamped photos of myself in my resident city of XXXX  XXXX, MO. I also contacted the merchant myself and was told that no contact from Chime on the store level where the purchase was made had taken place. I have placed requests to Chime on 3 of the dispute rebuttals for documentation showing the investigation process and findings that were used to deny my disputes which I was told I would receive in 7-10 days but still have not received for any documents for any of my rebuttals.
Product: Credit card

Bank of America charging interest rates even though account was paid off and closed. They keep charging interest payments and seem to not close account even though I have called numerous times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly a balance due in the amount of {$4800.00} on the XXXX  - partial account number XXXX. XXXX  and XXXX  are reporting correctly a {$0.00} balance due on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) The vehicle was sold at auction and sold for more than the outstanding balance due and consequently there is no balance due. This account needs to report a {$0.00} balance. This incorrect reporting is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Student loan

I was supposed to get a check in the mail on XX/XX/XXXX according to XXXX XXXX XXXX. I was never notified I would be getting this refund. The check never showed up. I called the Department of Treasury who referred me to the Department of Education. I called the Dept of Edu on XX/XX/XXXX to request a direct deposit instead. The woman said she can submit a stop and reissue to Aidvantage on XX/XX/XXXX. I called tried to get in touch with the Department of Education on XXXX to follow-up. I did not hear back and tried calling again on XX/XX/XXXX and XX/XX/XXXX. I then called Aidvantage on XX/XX/XXXX to explain the issue and request a direct deposit due to never receiving the check. I was told a ticket will be put in and I provider my banking information, but a reissuewas already done before I called and sent to an old address. I updatedy address in XXXX of XXXX. I was told it would be done by the XXXX at the latest. I called back on XX/XX/XXXX because I received and heard nothing. I was told another ticket would be submitted for a direct deposit request and the target date for completion was XX/XX/XXXX. Again, no direct deposit and no communication as of XX/XX/XXXX. I called once XX/XX/XXXX to ask what was going on and why it hasn't been processed like I was told and yet again a check was reissued. I was also told another ticket was going in and the target date is XX/XX/XXXX. I received a call on XX/XX/XXXX from the same woman with the Dept of Edu and told another check was reissued the day before. I told her I've asked Aidvantage 3 like a direct deposit due to the stolen check. As of today, XX/XX/XXXX, Aidvantage has failed to issue my refund for my student loans as direct deposit like I've asked and has failed to send any communications like I've been told.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with my mail being send to out dated addresses. I finally pulled my credit report and found information that doesn't even belong to me on my report. please remove the following addresses they are not mine : 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 XXXX XXXX, XXXX, XXXX XXXX My current and only address should be XXXX XXXX XXXX, XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second complain I file with CFPB. 
Experian did not remove these unknown addresses and aka from my credit report. 
Under the Fair credit Reporting Act any incorrect information has to be removed and they have failed to do so.
Product: Credit card

On XX/XX/24 Bank of America XXXX app showed total balance {$3300.00}. I paid {$500.00} on XX/XX/24 and XXXX on XX/XX/24. Payments cleared my bank. I checked mobile app on XX/XX/24 to confirm {$0.00} balance ; however, showed {$71.00} balance for interest, after I paid the total balance in full. 

I called Bank of America on XX/XX/24 requesting the {$71.00} be removed since I paid the total balance in full. 

In addition, when i initially applied for the application, I was approved and sent mulitple cards for multiple accounts. Bank of America has opened multiple accounts and inappropriately charged interest after account was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021 XXXX XXXX Balance : {$3900.00} XXXX XXXX  XXXX XXXX XXXX : {$9400.00}
Product: Credit reporting

all XXXX bureaus failed to correct XXXX reporting inaccurate and incorrect information about current payment status
Product: Credit card or prepaid card

As described to XXXX XXXX : XXXX XXXX XXXX Account was used fraudulently by my previous roommate, ex boyfriend. I sent this bank an affidavit and called s number of times. Over XXXX in Fraud Charged
Product: Mortgage

In XXXX of 2014 I moved out of state and put my home up for sale. After almost a year of not receiving any offers, my realtor suggested that we do a short sale. In XXXX of this year, we received an offer and I filed an application with Quicken in XXXX for them to give approval for selling the home below the loan amount. I was told that I would first have to go through the application process to see if I can stay in the home. I told them I had already moved out of state and had no interest in keeping the home. They insisted that there is no way to skip this step and that I would have to wait a month for that portion of the application process to be completed. After submitting documents to them on several occasions, I was finally given an answer two months later in XXXX that my application was rejected. In the meantime, the buyer for the short sale walked away from the sale. They then asked me to submit the same exact application to be considered for a short sale. I resubmitted the application in XXXX. I was told that it would be another month to process. Then, if they accept to short sale the home, I would have to put the home on the market for another 120 days. If, in that time, I receive an offer that is below the acceptable amount, I would have to wait for them to do another review to consider accepting the offer with could take another month. In the meantime, I am still expected to pay for a mortgage I can not afford. In all, I would have waited almost 9 months for them to make a decision. Also, I could still be rejected for the short sale of the home, I would still be expected to pay the mortgage after waiting so many months to get some help, which this company is obviously in no hurry to provide. Every time I ask when the process will be completed, they refuse to give me a date, so I am waiting in limbo with no end in sight. There is no urgency by this company to help its customers. This process almost guarantees that the homeowner will face foreclosure. If I had known this, I would have stop paying the mortgage over a year ago and saved myself the time and effort of trying to submit all the documents and expecting a decent response from the company. It would have saved me thousands of dollars and all the headaches since they are going to force a foreclosure anyway.
Product: Credit reporting or other personal consumer reports

I see that TransUnion are continuing to furnish transactions on my credit report. Specifically, the XXXX XXXX accounts transactions which I have already filed a complaint about. Also, I see multiple remarks stating " dispute resolved ; reported by grantor '' which is not correct. They continue to violate my federal consumer rights even after I have made prior complaints that were received. I will take further legal actions if I'm forced to do so because these reporting 's not being equitable to me as a federal consumer.
Product: Credit reporting or other personal consumer reports

i have reached out to Experian and the banks and i have not received any responses
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent your company a certified letter, disputing two ( 2 ) credit inquires on my credit report. 

1. XXXX 2. XXXX XXXX This is a breach of Fair Credit Reporting Act, Section 1681B ( C ). I remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : 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 XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit card or prepaid card

I recently paid my entire balance off with Comenity Bank XXXX after I started the hardship plan due to losing my job during the pandemic and the bank is STILL holding my funds after I asked a CSR Would my funds be available and will I be able to utilize my card? They said yes and that was a farce! I made the payment on XX/XX/2021 and called and spoke with a representative on XX/XX/2021 and thats when I was told that the funds would be released after the payment had posted. I checked my financial institution balance and it showed the deduction had taken place for Comenity Bank and the payment had posted on Comenity Banks end as well. A call was made on XX/XX/2021 about the reasoning behind my funds not being released and the CSR at Comenity told me that The payment was made after the closing date so Ill have to wait a month I then informed them that I spoke with a representative who relayed to me that once the balance was satisfied I would have access to my funds. The representative I spoke with on XX/XX/2021 stated that the information provided to me prior was incorrect. Im now being penalized for something I had no knowledge of and when I asked if this could or would happen I was told No it wouldnt. This is very unacceptable especially when youve come out of a financial downfall and youre trying to satisfy all your debts!
Product: Vehicle loan or lease

On XX/XX/17 I went to XXXX XXXX XXXX in XXXX, NY to purchase a used XXXX XXXX XXXX car which I saw advertising in the XXXX XXXX Website for sale at {$4900.00}. The salesman told me that the car was being cleaned and it was not in the lot and if I was interested in the car, he would start the paperwork and I could come another day to finalize the purchase. I posted a downpayment of {$2500.00} for the car and we agreed that the dealership will be taking my old car for a price of {$300.00}, bringing my downpayment for the car at {$2800.00} He proceeded to take my information for financing the car. I was told that I was approved for the car loan and I will be paying {$230.00} a month for 36 months. On tuesday ( XX/XX/17 ), I went to pick up the car and I asked for the paperwork to be signed and I was told the same information as provided that Saturday ( XX/XX/17 ), and that the application was filled out on line and that I will be getting a phone call from the Financial Company to verify the purchase of the car. Later that day, I received a call from Credit Acceptance to verify that I have purchased the vehicle at the same time I asked for a copy of the paperwork and I was told by Credit Acceptance that the Dealership was responsible for providing copy of the contract. I called the Dealer again and I was told that a copy will be mailed same day. 2 weeks later and after opening a claim with Credit Acceptance Customer Service Area, I received a copy of contract in the mail and found the following : 1- The Car Sale Price in the contract was inflated by {$3000.00}. Car was advertised for {$4900.00} and that was the agreed at the time of the sale. <P/>2- The last page of the contract shows my signature which is not my signature. I am certain that the signature was copied from the trade of my car form. I traded my old car at the time I picked up the XXXX XXXX. <P/>
3. The contract life of the loan is showing 57 payments at {$230.00} instead of 36 months as agreed by both parties.
<P/>I went to dealership to show the discrepancy in the car sale and I was told that there is a dealership fee and an extra fee from Credit Acceptance for the loan. That information was never told neither is showing in the contract. <P/>I submitted another claim to Credit Acceptance Corp. on XX/XX/17.
Product: Student loan

Mohela has switched to a new website as of XX/XX/2024. All of my documents and correspondence prior to the switch have not been transitioned into their new platform and has since been lost. I do not trust Mohela to handle my loans. I want the paper trail from my account history including receipts, statements, and all correspondence which has seemingly been lost.
Product: Checking or savings account

I attach a letter with specific details about my file. Essentially, Citibank NA appears to have closed a checking account with an account balance of close to USD 1,000 balance. 

Repeated written requests for information have gone unanswered. This is unacceptable corporate behaviour. 

Thank you for your assistance. 

XXXX XXXX
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. 

Account : XXXX # XXXX Account : XXXX XXXX  # XXXX Account : XXXX XXXX  # XXXX Account : XXXX # XXXX Account : XXXX # XXXX Account : XXXX # XXXX Account : world finance : # XXXX I looked at my credit report and noticed the above items showing charged off and the XXXX in collections for more than one consecutive month, which extends the statue of limitations of how long an account should be reporting.

According to 15 usc 1681i 5 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; 1681 s 2 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 or other personal consumer reports

I filed disputes with experian for inaccurate reporting for this accounts : Dispute # XXXX Dispute # XXXX Dispute # XXXX Also, they have my birth year in XXXX. I disputed it because my birth year is XXXX. And I request that anything credit wise associated with that year is also deleted. 

I requested method of verification under FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). For all listed accounts.

I also requested the records used to support the disputed item, under the FACT Act.

I received nothing, and its been over 15 days as required by law. 


I was told by XXXX in the Dispute department today. That they are not required to provide a method of verification to me. And that it has to come from the reporting agency. I was told that the investigation team contacts the reporter. 


I requested the employee that the investigator talked to, documents sent, address, and the dates sent from the reporter. She said she doesnt have any information but a phone number. 

I requested instructions on how to obtain the phone call. And was told only an attorney can request it. 


The method of verification requests has superseded the legal deadline. And I ask for full deletions. 


This is willful non compliance under willful non-compliance under FCRA, Section 616.
Product: Credit card or prepaid card

I had an Amazon co-brand credit card with Synchrony bank. I requested their chat team ( sometime during this month ) to close my account after I clear my balance. I had not yet cleared my balance and they closed my account. In the process, they forfeited my rewards worth USD XXXX. I didn't ask them to close the account right away. Since they record the chats, it should be there in the record. When I reached out to them yesterday, they told me that I myself closed my account. I was shocked at such a blatant lie. When I asked for a proof that I closed it, they could share none because it was closed by them. They committed fraud by closing my account without my permission and forfeiting my rewards. Please look into it.
Product: Debt collection

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission identity theft affidavit. Please delete the items as soon as possible.