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

Chime failed to properly look into the complaint. I had solid evidence proving the dispute should have been accepted. I am unsure if the person working on the complaint did not view all of the documents or whatever the case may be. I refuse to contact the chime number because any complaint does not help. They brush it over or just send you to an automated voice. The replied after I requested the information, and I did not receive an email with the documents that used. They just said, " We sent you an email with attachments of what we used ''. I will attach the reply I got back from them. Chime is known to deny almost every chargeback request that has been given. Anytime you look up dispute with chime, its denied and they recommend filing a dispute. My next stop is to switch bank accounts and file a lawsuit if chime does not fix this issue. I bought a chair and the company failed to honor their warranty ; therefore, I contacted XXXX XXXX XXXX told me to file a chargeback because it was past the 30 days. I contacted the XXXX  and Chime still failed to assist. They wont even provide the documents used to make the decision. They said they sent a email, but the attachments were never received.
Product: Credit card or prepaid card

I have another active complaint regarding my payment issues involving my Wells Fargo Credit card - complaint file # XXXX - and I would like to submit an additional complaint regarding issues with the process. 

The initial problem started appearing several months ago, when I was making payments via the Wells Fargo website, and using the option to make a payment 'from an external account. ' Every payment I made, regardless of size, started being held for several days, for reasons that were not ever justified. Due to the issues involving holds being placed on payments made in this way, I opted to try making the payment directly from my checking account ( at another institution ), via the online bill pay system. 

The payment is set up to be processed electronically, which I have verified with my checking institution means that the payment will clear my checking account when it has been electronically sent to Wells Fargo. I was hoping this would prevent Wells Fargo from holding my payments in the way they have been for several months. However, today, the electronic payment cleared my checking account - and is not showing anywhere, not even in 'pending ' transactions, on my credit card. I have called my checking institution to verify that the payment was sent, and they have confirmed that it is complete. 

Unfortunately, what this means is that I still don't have a way to make payments to my Wells Fargo credit card, and have them reflected to the card 's balance in a reasonable timeframe. Wells Fargo now has a cleared payment - something that has already left my checking account elsewhere - and it appears that payment is being held in suspense somewhere and not being applied to my card. 

I was, again, not able to find any resolution by contacting Wells Fargo customer service.
Product: Debt collection

I have NEVER had ANY signed agreement, or contract with Realtime Resolutions Inc, do n't know who they are, and will NOT be paying ANY monies to them!!! These criminal XXXX are attempting extortion, and under Federal law extortion, and the F.C.R.A. is illegal! 

Until Realtime Resolutions Inc. can provide me XXXX XXXX XXXX XXXX with the original signed contract agreement with their company that they are erroneously attempting to extort from me, to include a itemized accounting detailing interest, and fees. I will need them to IMMEDIATELY remove the erroneous inaccurate negative credit reporting to ALL agencies, per the F.C.R.A.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. I was a joint applicant on this account. They sent a debt settlement to my daughter ( primary account holder ) in the amount of {$1000.00} dollars and stated that they would accept the amount in 6 installments, and once the amount was paid they would delete the account from her credit report and my credit report, 30 days after the last payment was made. They did not do what they stated and they reported the account late for for 6 months and then reported as a charge off and XXXXXXXX XXXX and states the amount owed is {$1300.00}. This improper reporting has stopped me and my husband from receiving a new mortgage loan. My daughter and I have both spoke with agent from XXXX XXXX and they continue to refuse to delete from our credit report. 

Capital One keeps reporting a late payment in XX/XX/2023 and during that time I was returning to work after having XXXX. They refuse to remove the 1 late payment. 

The same thing with XXXXXXXX XXXX, they continue to report a late payment in XX/XX/2023 and at that time I was out with XXXX. I spoke with an agent and they stated that they would remove the late payments, but they have yet to remove them XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma XXXX XXXX last 4 of SSN-XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Last 4 of SSN- XXXX
Product: Payday loan, title loan, or personal loan

Companies involved : XXXX XXXX XXXX XXXX. 
XXXX  XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX System & Services Technology XXXX XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX Unknown location ( They are answering the phone now when S & ST is called. ) I obtained a borrow & grow plan Saving-Secured loan with XXXX on XX/XX/2022. 
In XX/XX/2022 I was advised that Systems & Services Technology out of New Jersey was taking over the loan and any questions regarding this would have to be handled by them. 
All my payment history is no longer available on the XXXX website. The only thing available is the savings account amount. 
1st On my agreement, XXXX states that " I '' have a savings account ending in XXXX with XXXX XXXX XXXX. The loan amount was for XXXX. I only physically received XXXX. The other half was to remain in my XXXX XXXX savings account. I was also told and it is stated in my contract that there is no prepayment penalty. I was not told I would be paying interest on the savings amount. It was my understanding I would be only paying interest on the amount that was deposited into my checking account which was XXXX. 
** I called XXXX XXXX XXXX  and I have no savings account and they advised their account agreement that XXXX provided is NOT their agreement. This should be illegal and misrepresenting and should void this contract. 

2nd I called Systems & Services Tech. several times to pay this off, after their take over. They instructed me that I would have to pay my savings amount to them in addition to the amount left over from the amount that was deposited in my checking account. They stated then they would pay my savings amount back to me and this could take up to 20 days. This does not sound legal. 
Today I called them and a XXXX XXXX  answered, when I questioned why they were answering they stated they were affiliated with SST. I told them I wanted to pay the amount I owe and only the amount that was left over from the funds deposited into my checking account. I also ask for a print out history of my full payment history. XXXX advised she could not do that. They don't have it, neither does XXXX. She told me a Supervisor XXXX XXXX would be calling me back. I also told her I made an extra payment that I made sure they knew was to be applied to principle only and it was not they took out interest. 
I researched the company on the XXXX  and I am finding that there are a lot of people that paid them in full ( their savings and what was due ) up front just to close the account and still have not received their savings. 
I have been in good standings and have paid my account when due. I want to close this account and close the auto draft with this company. I don't feel like these companies are operating legally. Some one should stop them. I do not want to pay them my savings amount ( which I have had no access too ) I only want to pay what is due. I am asking for an amortization of my loan and payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIANS UPLOAD SYSTEM DOES NOT FUNCTION TO UPLOAD SUPPORTING INFO FOR DISPUTES. 
COMENITY/OVERSTOCK ACCOUNT XXXX IS SUDDENLY APPEARING AS OPEN HAS BEEN CLOSED FOR TWO YEARS AND I DID NOT OPEN IT. 
THE OWNER IS NOT COMENITY BANK THE SUBSCRIBER REPORTING ACCORDING TO INFO ATTACHED HERE.
Product: Debt collection

I filed bankruptcy dated XX/XX/XXXX. Which was also my payday at my work. LVNV funding had issued a garnishment at my work for a collection debt I owed. The first garnishment payment they would receive would have been on XX/XX/XXXX. My work mailed the check for the garnishment on the morning of XX/XX/XXXX. I have my work all the information about my bankruptcy on the afternoon of XX/XX/XXXX. So it was to late for them to void the check they had sent. I alerted LVNV funding about my bankruptcy the day of the filling. I also explained to them that a check had been sent to them for a garnishment from my work. I let them know that I was protected by the automatic stay with my bankruptcy, and that they needed to issue me a refund of the XXXX that they would receive by check. A week went by and I did not hear anything from them, and no refund was issued yet. So I sent another email to them which I will include copies of the email I had sent them. In which I stated again the same thing on my first message. I also told them that they needed to send paperwork to my work releasing the garnishment. I received papers in the mail roughly a week and a half after that email from LVNV which was a release of garnishment. My work also received the same papers. Another week went by and still no refund. So I sent another email reiterating the same things I said in the first 2 emails. Except this time I told them I was going to file a complaint against there company with every government and state agency to ensure I received a refund. It has been one month now and I have not received a refund nor have I received a reply from any of my emails. I have called and left a voice mail also. Yet no call back from them either. They are a collection agency who has sued many people. They know the laws on bankruptcy. They know they are supposed to issue a refund to me. Yet they are blatantly ignoring me. My next complaint will be with the bankruptcy courts to hold them in contempt. Then also with any other agency needed. I will include a copy of my bankruptcy paperwork. A copy of my check stub showing they were sent money from my work. A copy of the writ of garnishment and screen shots of the emails I sent them. That should cover everything you need. If anything more is needed please let me know and I will promptly get it to you. I do not have a attorney for my bankruptcy. Thank you.
Product: Checking or savings account

I live in XXXX, Alabama. 
On XX/XX/2022, someone walked into a Regions bank in XXXX, Indiana and used 2 forms of fake ID posing as me. 
They withdrew {$6200.00} from my savings account. I have the same name as my mother and they went to a second branch in XXXX 30 minutes difference and stole {$6500.00} from my XXXX year old mothers checking account. I discovered this and my mom and I went to a local Regions bank in XXXX to report it. They saw that it was obvious fraud and turned it over to investigations and said the money would be back in our new accounts in 2 weeks. 5 weeks have passed and no return has been made. After the first 3 weeks I called the branch in XXXX and talked to the branch manager who knew nothing about it. 
He looked it all up and said that the XXXX branch had not had us fill out the proper fraud forms so my mom and I returned to the bank and filled out the forms. 
Now it has been 5 weeks total since we reported this to Regions and we keep getting excuses and un returned phone calls and apologies but no return of the money. 
We now have an attorney involved because we have exhausted all other reasonable means and our patience is gone. We dont understand why they claim to be FDIC covered if this is how they respond. It is not our fault that 3 weeks went by and nothing was done because Regions bank failed to have us fill out the correct forms. We can not get anyone at the bank or the security department or their fraud department to act like this is a pressing issue. 
My mother and I believe that {$12000.00} stolen is a big issue and we feel they are in violation of FDIC. We understand an investigation is going on but they should make the customer whole in the meantime. We have been loyal customers of Regions bank for decades.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructionsCredit inquiries on your report that you don't recognize Credit inquiries are reporting on my Credit Report and i don't recognize : - XXXX Miscellaneous Banks XX/XX/XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - XXXX Miscellaneous Automotive XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Miscellaneous Banks XX/XX/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 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 XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XX/XX/year> This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting *validation ' ; that is competent evidence bearing my signature, showing that i have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Fallure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these items that does not belong to me and i want them to be removed. 


1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft WF BANK NA Account Number : XXXX This is not mine. 

7. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident. 

PLEASE REMOVE THE FOLLOWING ACCOUNTS ASAP CREDIT CARD : XXXX XXXX, LIMIT {$500.00}, OPENED XX/XX/XXXX, ACCOUNT NUMBER XXXX. 
CREDIT CARD : XXXX XXXX XXXX XXXX, LIMIT {$1000.00}, DATE OPENED XX/XX/XXXX, ACCOUNT NUMBER XXXX. 
CREDIT CARD : XXXX XXXX XXXX XXXX, LIMIT {$5000.00}, DATE OPENED XX/XX/XXXX, ACCOUNT XXXX. 
LINE OF CREDIT : XXXX XXXX XXXX XXXX, DATE OPENED XX/XX/XXXX, ACCOUNT NUMBER XXXX AUTO LOAN : XXXX XXXX XXXX XXXX, DATE OPENED XX/XX/XXXX, ACCOUNT NUMBER XXXX PLEASE REMOVE THE FOLLOWING INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX CARD XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX dated XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX : {$6100.00} XXXX XXXX XXXX XXXX : {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously contacted Experian about an item on my credit report that had stemmed from identity theft. I have not been notified about any results and the item remains on my credit report. According to 15 U.S. Code 1681c-2 ( a ) a consumer reporting agency shall block the reporting of any 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 refer to the attached documents.
Product: Vehicle loan or lease

XXXX the owner at XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, CA ) financed me a XXXX XXXX XXXX  that has catalytic converter issues and didn't disclose this. He also called CapitalOne and had them add XXXX for a warranty that doesn't even cover the issue. The original cost of the car was XXXX but with the added warranty raised the loan to {$13000.00}. This was after I already told him I was coming via XXXX  to get the car cause I needed it for work that night. It was also the last day of my loan approval from Capital One so I wanted to get into something.. On my way there when he first disclosed that he added that warranty I said I didn't want it but he said for the down payment to be as low he needed to add it. The original down payment was supposedly XXXX but with the XXXX warranty I only had to come up with {$400.00}. This transaction not only fits the lemon law but the bait and switch law.
Product: Credit reporting, credit repair services, or other personal consumer reports

After noticing my identity was stolen I notified XXXX, Experian, and XXXX that there were fraudulent accounts and inquiries being reported without my permission or consent. Starting with US SM BUS ADMIN ODA XXXX XXXXXXXX XXXX on XX/XX/2021 and XXXX XXXX, XXXX XXXX on XXXX XXXX, XXXX on XXXX XXXX, and XXXX on XXXX XXXX. I sent out my own letter not using a third party " credit repair '' service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report in early XXXX of this year, it came to my attention that Monroe & Main listed a very old account as past due. I had no knowledge that this account was still open let alone used for any purchases. It was only {$150.00}, so I decided to pay the balance and asked Monroe & Main to close the account indefinitely and to remove this account from my credit reports so in exchange for the full amount due. They did accept the payment ( XXXX  ), but refused to honor my request to close the account and remove it from my credit reports. 

In accordance with the Fair Credit Reporting act Monroe & Main has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I sent a letter by certified mail to request debt validation from Merchants ' XXXX XXXX regarding an account on my report which does not belong to me of {$470.00}. XXXX confirmed receipt of request and advised if not able to furnish documents the account will be removed. I've disputed the account with all 3 CRA several times within a year due to reaching out to the provided original creditor XXXX XXXX XXXX XXXX ; they do not have an account that belongs to me. Between XX/XX/19 - XX/XX/19 the account was removed from both XXXX and XXXX reports. Equifax continues to report the inaccurate information. I last disputed the account with Equifax on XX/XX/19 and received notice on XX/XX/19 that the account was verified. Equifax will not provide information of validity and I have not received documents for validation from Merchants ' XXXX XXXX.