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

I have been a customer with Chime Bank for many years and I am still a current customer. I was offered a special account that they were offering called the XXXX XXXX account. 

After opening the account and having it for a while, they offered a special promotion offered where customers who perform a set number of transactions on their credit builder card would receive a special edition platinum credit builder card. 

I participated in the special promotion and incidentally accumulated this high balance. I do recall paying about {$800.00} bucks towards this in the application from my primary checking account that I have maintained with them for many years yet somehow this never happened - the app had a special feature where you could apply a minimum payment amount directly from your checking and I am almost certain I agreed to the amount of somewhere in the ballpark of {$860.00}. Plus, there are a few features of this special credit builder specifically about how the credit building works that were confusing. Nevertheless, somehow the banking application ended up showing that I never applied the payment from my checking account which resulted in the outstanding balance showing on my credit report. 

Regarding resolving this outstanding balance, Chime has stated that once an account is past due for more than 60 days, it will no longer accept any payment toward the outstanding balance. In my latest attempt to reach someone to resolve this matter, I was informed again that payments are no longer accepted once an account has been charged off. While Chime does offer live person contact, they do not have a collections department to assist customers in my situation. I am currently waiting for a response from them after going exhausting every option with a supervisor I spoke with who advised that the only option available to me was to wait for someone to contact me about resolving the issue. I have tried on multiple occasions over the time period that the account has been outstanding to repay this debt however their company refused to make contact and discuss these matters, yet they damage my credit report and score by continuing to represent that the debt is outstanding and that I am refusing to repay, this is not the case. 

I am hoping to garner your attention and support in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several credit inquiries from multiple companies. I contacted Equifax to dispute them and was told I would need file a police report and to contact the companies, which I did ( all they could tell me that my information was in their system ). I asked why I would need to file a police report for an intangible issue and that no credit was issued, Just an unauthorized inquiry. The information is still on my report and i cant get any help from Equifax or the companies.1.XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX XXXX 6.XXXX XXXX 7.XXXX XXXX/XXXX/XXXX/XXXX 8.XXXX XXXX
Product: Credit reporting or other personal consumer reports

I asked several times over the years for Experian, XXXX credit reporting agency for some kind of proof that this bankruptcy from : ( us bkpt XXXX XXXX XXXXXXXX ) Date filed : XX/XX/16 Ref # XXXX This furnish account looks very much like a kid type this out using random letters rather then complete sentences very tacky display please correct this inaccurate information or delete it another thing this account is past the 7-years please delete from my credit report 3rd reason this bankruptcy is not reporting across all three credit bureaus
Product: Debt collection

I feel that my privacy was violated in that sensitive and personal information regarding my personal debt was provided to my brother in law, who has no business knowing my personal situation. Midland called him and instead of verifying the identity of the person they were speaking to, they proceeded to provide him with my debt situation. I do not understand why they did not verify who they were speaking to securely ( I had to provide my social security number when I called in before they would talk to me but they did not ask my brother in law to provide any method of identity verification upon speaking to him ). I feel violated and am very upset. It is bad enough that I am in this situation ( which I take responsibility for ) but now a member of my extended family is also aware and it is humiliating.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : Is my correspondence with XXXX with whom I apparently owed {$49000.00}. As you will see I have offered on numerous occasions to settle the amount owing in full upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form. 

You will see in my letters dated XX/XX/2019, XX/XX/2019, and XX/XX/2019, that I have repeatedly made these offers. XXXX on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process. That settled the matter legally and financially on XX/XX/2019, they have not given a response. This settled the matter once and for all on XX/XX/2019. 

To date, XXXX has not made any reference to the original instrument of indebtedness in any of their correspondence. It seems to me that there is no original instrument of indebtedness in existence which again settles the matter legally and financially. I have also sent this information to XXXX, TransUnion Consumer Solutions and XXXX. 
I would appreciate if you would review my documentation and obtain a statement of facts from XXXX outlining exactly why they can not produce the original instrument of indebtedness. The law is very clear as to the Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. 

GIVE THIS LETTER THE IMMEDIATE ATTENTION IT DESERVES.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XX/XX/year> {$4200.00}
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXXXXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts : XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Experian still has an AKA listed which I have disputed several times the name listed is XXXX XXXX XXXX which is NOT me nor has ever been.
Product: Checking or savings account

Chase has closed my account for no apparent reason and it was supposed to been unlocked so I can use again. Its been months and havent heard any news and still cant get in my account. Ive been a good customer and had no problems and need my account back
Product: Credit card

I have a penalty interest rate for part of my XXXX XXXX card balance that is higher than the majority of my balance. It 's my understanding that my payments are supposed to be credited to the balance with the highest interest rate, but as I look at my statements from month to month, this is not what is happening. I have called XXXX XXXX multiple times but no one can explain to me how my payments are being applied to which balances.
Product: Mortgage

Truist explained to me that payments were applied to my mortgage. I was reading it wrong. 

However the payments I made in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX do not appear on my payment history. I'd think Truist would notice 1/3 of the year missing. But this wasn't mentioned. 

I also asked for check copies between XX/XX/XXXX and XX/XX/XXXX. Not one image was provided to me.
Product: Credit card or prepaid card

I utilized a 0 % offer from Apple to purchase my son a laptop for college. The installment plan was managed by Goldman Sachs through Apple Card. The transaction confirmation and receipt was sent to the email address I requested to use for this purchase ( at purchase, they asked for an email address ). But the bill was sent to an email address I don't use ( an old email address I used when signing up with Apple/Apple ID. ) I did not receive the bill for several months. Once I found out about it, I immediately made the account current.

-- Goldman Sachs, through Apple Card, reported a missed payment to the credit bureaus despite the fact that they did not properly send the bill to me.

-- Once paid, it took 3 months for Goldman Sachs to report to the credit bureaus that the payment had been made.

-- My credit score plummeted 80 points as a result of this. It has not recovered.

-- I attempted to resolve it through a dispute with the credit reporting agency and by contacting Goldman directly. Goldman refuses to resolve it.

-- In sum, Goldman makes errors with impunity ( 3 months to report payment ), while I am penalized for not paying a bill I did not receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act these companies have violated my rights. 
15 U.S.C 1681 States I have the right to privacy. 15 U.S.C 1681 Section 604 ASection 2 States a consumer reporting agency can not furnish a account without my written instruction. I have taken the necessary steps to get this handled and nothing has been done. These things need to be removed immediately : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting inaccurate information on a childsupport case that is XXXX ( XXXX  ) years old and should not be reporting on my credit report.I would like the inaccurate information removed from my credit file.i have been denied credit for this. I have filed at least 30 disputes and nothing has changed..I also sent in a certificate payment history statement from Florida XXXX and still nothing has changed.I my FCRA reports have been repeatedly VIOLATED.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX. After reviewing my equifax credit report I noticed that i still had an old XXXX credit card on file that began with the following numbers ; XXXX*******.. It was closed on XX/XX/XXXX over 10 years ago and furthermore contains inacurate information which stated that it was opened 11 years and 7 months which is bizarre. 

I called XXXX credit card services and talked to an individiual and asked that this be removed from my credit report. She said that she could not do this because it was up to Equifax. When I Disputed this with Equifax, they told me that it was up to XXXX credit card services. 

I believe that both Equifax and XXXX are in non compliance wit the FCRA. PLease forward my complaint to both. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries not removed from credit report that was done fraudulently. I previously sent in a police report and updated my information back in XX/XX/2023. Made contact with Transunion on XX/XX/ and told by representative that my information was never updated. Representative went ahead and updated my email address.
Product: Mortgage

Do to my understanding my personal information have been stolen dealing with this company why the tried to sale the property an other property belongs to me realize that was my property refuse to provide me documents my personal information fraudulent some force they changed the deeds to the property do identity theft all the property belongs to me someone stole my personal information to uptain an change the personal information on all legal documents fraudulent activity happened with these something needs be did about my property I don't know which mortgage company they dealing with fraudulent companies
Product: Vehicle loan or lease

Interest fees and calculations are predatory I constantly make payments and they add additional made up fees that are outrageous and not what was stated in the contract. 
They charge {$200.00} a day for interest and none of this was in the contract signed. Unfair payments are not being applied correctly and they always say I am behind no matter what and does not update all three of the credit bureaus timely.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the account listed below is reporting erroneously & are inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late or closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX .... & XXXX XXXX XXXX XXXX ....
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> my job was called even though my primary number is working. Received no call to my personal cell from the company. I am not allowed to take personal calls at work.
Product: Money transfer, virtual currency, or money service

I was scammed out of over {$4000.00} plus from Cash App in 2019. The number in which was listed as Cash App costumer Service I called to see if I could change the amount recieved in a day week or month however I could. They claimed to be Cash App customer service and was taking me through step by step to do this and they obtained access to my account somehow and stole the money. My account was shut down and I could not use it any longer. Ive tried numerous times to get them to open up a complaint or to help me to access the money. Or to find out and tell me where the money was sent to. With them telling me nothing was wrong with my account. numerous times over the years I tryed to get some help because this money was in their care and I was entrusting them to protect it. They have taken no accountability for anything pertaining to this issue. I can never get over the feeling I had when all my money was wiped away it still brings me to tears. Thank you for this opportunity. 
P.S. till this very day I still have the same email address and same telephone number and if I try to make a Cash App in my name it will tell me I cant make any transactions but people can send me money ( thing is where is the money going to that XXXX very well be where my {$4000.00} plus went ).
Product: Debt collection

Ive detected ID fraud. I noticed before but i ran credit because I was about to purchase a home and saw accounts thats u didnt open.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Department Trans Union Consumer Relations XXXX. XXXX XXXX XXXX, XXXX XXXX Current file # XXXX on date XXXX/XXXX/XXXX To Whom It May Concern : This letter to formally inform you that I have filed a formal complains against you with Consumer Financial Protection Bureau. And federal trade commission for your disregard to federal law as passed by U.S congress and President. My initial complains with consumer protection agency case number : XXXX on XXXX/XXXX/XXXX. You have not fulfilled your duty. I have send you several letters by mail, Tracking Number # Tracking Number # XXXX and XXXX You claim to have some verified the items, I requested. Therefore, I legally requested a description of the procedure used to verify the information. 
1. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX I have obtained letter from the U.S department of education that the disputed items should to be deleted from my account. The letter is in the attachment Failure to comply with these federal regulations by credit reporting agencies is investigated by the federal trade commission ( see 15 USC 41, et seq. ) Further you have claimed that you have confirmed this information? 
1. XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX Address Identification Number : XXXX Status : Collection account. {$2100.00} past due as of XXXX XXXX. 

2. XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX Address Identification Number : XXXX Status : Collection account. {$1600.00} past due as of XXXX XXXX. 

3. XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX I have contacted these agencies, with certified mail and phone conversation, I asked them for the original documents none of them has response to me. My question to you how you verified these accounts belongs to me. If you fail to send me the verification of original information from these agencies you must delete it from my account immediately. 
Please provide me a complete copy of all of the information that was transmitted to the data furnished as part of the investigation, as required by FCRA : whom did you speak with? What was the date? How long was the conversation? What is the position of your employee that spoke to the creditor? I have clearly asked to respond with 15days. Please see the attach document from the department of education, that asking you to delete the disputed items. Please read the letter from the department of education and delete the disputed items Any further delay in inexcusable Sincerely XXXX XXXX XXXX, XXXX XXXX
Product: Mortgage

Two separate {$1000.00} principal only payments were sent to the mortgage servicing company on XX/XX/XXXX and XX/XX/XXXX but the company has not applied those payments to reduce the remaining unpaid balance. The company just ignores my concern and will not respond. Send emails on XX/XX/XXXX and XX/XX/XXXX along with written letter mailed on XX/XX/XXXX, but no communication and problem not fixed.
Product: Money transfer, virtual currency, or money service

In XX/XX/2018, I became a victim of Mr. XXXX XXXX ( " the scammer '' ) ( https :  XXXX ) via XXXX. He introduced himself as a Bitcoin Miner and Binary Options Trader. He advertised me trading servises as a broker promising 5 % of the commission for mining bitcoins and 15 % for trading options for third parties. Mr. XXXX accompanied me for almost two years as a trading expert, and also maintained contacts with trading companies trademerits.com and XXXX. All moneys was transferred from my e-wallet to the scammers e -wallet for a total amount of {$45000.00}
Product: Checking or savings account

I on XX/XX/XXXX paid my internet bill, when I looked in my bank account I noticed another charged from XXXX XXXX XXXX, for {$27.00}. I immediately started to talk to XXXX XXXX XXXX about it told them I don't have service with you anymore I have a different phone service. Called my bank ASAP closed my debit card was issued a new one and reported to XXXX XXXX XXXX my cell phone that had the app on it had been stolen from me shut down auto pay and the phone I didn't authorize the payment. I have had to call supervisors and they have done nothing to refund my money.and the bank just don't care
Product: Checking or savings account

I recently had a very frustrating and extremely costly experience with Flagstar Bank. I feel that I am owed compensation totaling {$1800.00} from fraudulent activity on my ATM card. 
On XX/XX/2019, my ATM card was denied when I went to make a purchase so I went to my branch office to see what the problem was. They informed me that there were multiple ATM withdrawals over the last two days wiping out my life savings. They lady at the bank was surprised that Flagstar did not detect all these withdrawals and freeze the card account. I then filled out an affidavit confirming by oath that those eight charges were not mine. 
Instead of receiving a credit for this fraudulent activity, Flagstar bank denied my claim. According to federal law, the burden of proof is on the banking institution not the consumer. I feel they are in federal law violation by not returning my money that was taken from me fraudulently and that they are forcing the burden of proof on me. I have filed a police report with the XXXX XXXX Police Department on XX/XX/2019, case number XXXX. 
I am now demanding that they return in full my {$1800.00} that was fraudulently stolen from me and they should go after the bad people for their money not me.