23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Follow-Up on CFPB Complaint - ATM Withdrawal Dispute ( Chime ) Claim Number : XXXX Dear CFPB, This new complaint is related to a prior issue I reported on XX/XX/2024, under claim number XXXX. Despite my efforts, the issue remains unresolved. 

I am filing a new complaint regarding Chime Financial , Inc., and its handling of my ATM dispute for {$200.00}. Despite my repeated attempts to resolve this issue, Chime has failed to refund my money, citing their inability to recover funds from the ATM operator as justification. This violates their obligations under the Electronic Fund Transfer Act ( EFTA ) and shows a failure to protect me as a consumer. 

XXXX XXXX : On XX/XX/2024, I attempted to withdraw {$200.00} from an XXXX ATM. The ATM malfunctioned, and no cash was dispensed, but {$200.00} was debited from my account. 
The ATM operator confirmed that the transaction failed and provided a receipt as evidence. I filed a dispute with Chime, which they denied on XX/XX/2024, claiming no error occurred. 
After reopening the dispute, Chime later stated they can not refund the money because the ATM operator has not returned the funds after they requested a chargeback. 

XXXX XXXX : I request the CFPBs assistance to : Hold Chime accountable for its obligations under the XXXX. 
Ensure that the {$200.00} is reimbursed promptly to my account. 
Investigate Chime 's practices regarding dispute handling and compliance with consumer protection laws. 

Thank you for your time and attention. I am attaching all supporting documents, including : ATM operator 's receipt confirming no cash was dispensed. 
Communication records with Chime and their response letters.
Product: Credit reporting or other personal consumer reports

I noticed incorrect accounts on my credit report this evening, and I am unsure why. Upon my usual review of my credit report, I found unexpected discrepancies. I tried refreshing my browser to see if it was a glitch, but the errors persisted. Therefore, I am requesting a thorough review of the documents I've sent to ensure I no longer have to worry about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my personal credit file, I notice the tradeline show a available credit limit of {$500.00}. I recently contacted XXXX ( i.e. XX/XX/XXXX ) requesting the tradeline be removed ; in addition, The accuracy of the information contained within the tradeline was also disputed with the recognized reporting agencies. The legitimacy of the account was n't in question, the information it contained was the issue of concern. XXXX was contacted again ; this time the account number & customer number was being requested. On XX/XX/XXXX at XXXX XXXX, Another inquiry was made to XXXX to see if the account was active or inactive. The representative informed me the account was indeed active, I then wanted to know why my credit file show a credit limit of {$500.00} and the document that was sent show a credit line of {$0.00}. The representative assure me it was because of past financial activity. I requested the account be closed, because with a XXXX balance the current agreement went against the company mission statement and advertisements. I again, requested the XXXX XXXX XXXX to request the tradeline be remove from my file. At XXXX XXXX a representative attempted to misinform me of the process to achieve satisfaction. XXXX credit specialist was very much in violation of the following : The Fair Credit Billing Act ( FCBA ) of 1974, 807. False or misleading representations [ 15 USC 1692e ] ( i.e. section [ 7 ] The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.
In addition, in the comment section under XXXX tradeline its been showing re-investigation in progress for six or months.
Product: Credit reporting or other personal consumer reports

Financial institutions made inquiries which were not initiated by me : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and reported on my credit reports, XXXX, XXXX XXXX XXXX I have contacted each by phone and informed them that these requests were fraudulent.
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding zelles handling of disputes particularly in in light of the CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institutions and Zelle failed to adequately investigate my claims. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was A victim of identity theft. XXXX XXXXXXXX had marked me late payment for charges that didnt belong to me. I addressed the issue and they removed the late payment. 
six months later they have updated the reports and are re reporting the same issue from identity theft. Now it is causing damages and keeping me from being able to get A home.
Product: Credit reporting, credit repair services, or other personal consumer reports

exercised right to rescind the contract due to AMERICAN EXPRESS fraud and breach of contract evidenced CONSUMER FINANCIAL PROTECTION BUREAU case and complaint id # XXXX as evidenced on the records, i.e. credit reports, fraudulently -- no lawful nor legal consent was given -- created and stored by the accomplices and accessories AMERICAN EXPRESS aided and abetted, in disregard to the laws, AMERICAN EXPRESS has criminally and publicly committed fraud, defamation of character and libel crimes while, again, aiding and abetting, which is another crime, third parties, i.e. XXXX, XXXX, and XXXX, all of which are accomplices and accessories -- by way of negligence or not -- to assist in carrying out the unlawful and illegal offenses, crimes and violations against XXXX XXXX and causing severe personal injury and damages to XXXX XXXX and authorized representatives.
Product: Mortgage

In XXXX of XXXX, I deferred my mortgage payments due to losing my job due to unemployment. In XXXX, I resumed and repair the amount, bring my mortgage current. Yet Wells Fargo continued to report my payments as being deferred. I worked with them to resolve this and they claimed that the situation was settled and sent me a letter to that effect. 
In XXXX, I found that Wells Fargo is continuing to report my payments as being deferred. When I tried to resolve this with Wells they've claimed several times that there's no issue. They have sent me letters saying that they have reviewed my file and there's no problem. However, yesterday I had a credit report pulled and Wells Fargo is continuing to report to all three companies that my mortgage payments are deferred. 

I can't refinance my mortgage, I can't move my mortgage anywhere while Wells Fargo continues to lie to the credit reporting companies that my mortgage payments are deferred. They are costing me money and causing serious stress.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within 4 business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from my Experian credit report. These accounts are hurting me from my getting a car and house in my name due to being a XXXX XXXX  victim. Please delete the following accounts and inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX  Balance XXXX, Public Record - XXXX  XXXX bankruptcy XXXX, Filing date XX/XX/XXXX, DEPT OF ED/XXXX, XXXX Balance {$14000.00}, DEPT OF XXXX, XXXX Balance {$1000.00}, DEPT OF ED/XXXX, XXXX Balance {$1000.00}, DEPT OF ED/XXXX, XXXX, XXXX {$4800.00}, DEPT OF ED/XXXX, XXXX Balance {$7500.00} XXXX DEPT OF ED/XXXX, XXXX Balance {$17000.00}, DEPT OF ED/XXXX, XXXX Balance {$13000.00}, DEPT OF ED/XXXX  XXXX XXXX Balance {$15000.00}, DEPT OF ED/XXXX, XXXX XXXX {$4500.00}, DEPT OF ED/XXXX, XXXX Balance {$6300.00}, DEPT OF ED/XXXX, XXXX Balance {$6400.00}, XXXX OF ED/XXXX, XXXX Balance {$4500.00}, DEPT OF XXXX, XXXX Balance {$6000.00}, DEPT OF ED/XXXX, XXXX Balance {$3500.00}, DEPT OF ED/XXXX, XXXX Balance {$6600.00}, DEPT OF ED/XXXX, XXXX Balance {$3500.00} XXXX XXXX XXXX XXXX Balance {$6200.00}, XXXX XXXX XXXX  XXXX, Original Balance XXXX, XXXX XXXX XXXX XXXX Balance {$340.00}, Collections XXXX XXXX XXXX  [ Original creditor : XXXX XXXX XXXX XXXX ], Account Number XXXX Balance {$8600.00}, Collections XXXX, XXXXXXXX XXXX XXXXXXXX [ Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX, Balance {$720.00}, Inquiry XXXX XXXX XXXX XXXX Inquiry - XXXX XXXX XXXXXX/XX/XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Inquiry - XXXX XXXX XXXX XX/XX/XXXX, Inquiry - XXXX XXXX XXXX XXXX and Inquiry XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Please take this off of my credit report it is holding me back from getting an apartment XXXX all I want to do is sleep in an apartment with a roof over my head not be XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to refile a complaint against DISCOVER BANK I have been sending letters and filing a dispute with them, but they are not providing the proof and the methods of investigation that they conducted, they keep on telling that they conducted and verified all the information on my credit report, BUT they failed to provide the documentation which is beyond 30 days. They have violated Fair Credit Reporting Act to provide accurate information on the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to COVID19 I defaulted on a loan from LendingUSA. LendingUSA sold the debt, over a year ago, to XXXX XXXX XXXX XXXX XXXX ( collections ) during the Pandemic shutdown.. On XX/XX/2021 I paid the debt to XXXX XXXX XXXX XXXX XXXX. 

I received an update on my Credit Report from XXXX and XXXX, that LendingUSA, who no longer owns the debt, reported my loan as Delinquent on XX/XX/2021. This Debt is paid and has been for over 2 months, therefore this account is not delinquent. The original creditor can't continue to report a balance due if it has sold the account to a collections agency. However, it can report a charge off, which remains on your credit report for seven years, even if you pay off the debtwith the original creditor or via a collections agency. 

This inaccurate reporting has dropped my credit score. At this point I feel I need to get an attorney and file suit for defamation, contact the FTC and take severe actions. Companies need to learn there are rules and severe repercussions. I demand an immediate retraction as the information reported by LendingUSA is not accurate and fraudulent as they do no own the loan and have not for a long time. 

While I am responsible for the default, I am not responsible for erroneous credit reporting. Actions like this, that companies take out of vindictiveness, can impact people 's lives in a very big way, it's not a game. 

Thank you, XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX, Attorney General, MD.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account has been open using my personal information with a loan company called XXXX, also with a XXXX XXXX XXXXXXXX XXXX XXXX. I have recently been made aware that a loan has been authorized without my knowledge until I received a welcome packet from XXXX which led me to look into this identity theft issue. I have spoke with XXXX via email & phone numerous times & they are not very helpful & are even requesting more personal info. or they would not proceed with the fraud investigation. I have been informed per Equifax that the loan amt on my credit report is showing {$8500.00} on XXXX. I am claiming this is not my account and I did not approve to receive this amt. We have found that there was an amount of {$1600.00} that was deposited into my personal bank acct as they also had my routing and banking number for this acct. I am not aware of where exactly the additional amount has been applied too as no info is being provided to me from XXXX. This {$1600.00} was deposited in my personal acct. in error and is in the process of being returned. The confusion was that the IRS was set to deposit a tax refund in that exact amt which made me believe that was where that money came from. I have made XXXX aware of this as well as my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Transunion repeatedly has harassed, attempted to act as a 'debt collector ' by repeatedly violating consumers rights
Product: Mortgage

I had a mortgage with JP Morgan Chase Bank. On XX/XX/2020 the mortgage was sold to XXXX XXXX. I feel that my mortgage should not have been sold during the Covid19 quarantine. I had no way to refinance with another company as I do not want my mortgage with an inferior company that charges fees to pay your mortgage online or by phone, which is what I have done for years with Chase. I was also in the middle of refinancing with chase for a lower interest rate. I am filing a complaint against Chase for the following reasons. 

*Selling my mortgage during a pandemic where I am left no choice but to comply due to the fact that I can not walk into a bank and apply for a refinance. So, now I am stuck with a company that has a XXXX star rating. 

*Transferring the mortgage to a company that clearly has a bad reputation with regards to fraud and poor customer service ( see XXXX   XXXX XXXX groups, and class-action lawsuits ) Transferring the mortgage company that charges fees for electronic transactions, phone pay.. ( I even called them and they would not wave the fees ) Selling my mortgage while I was trying to refinance at a lower interest rate with them. ( I had already started the application process ) If the original agreement in the loan says that they can sell the mortgage at any time, It should be to a reputable company with good service. I feel that I am a victim of another company that takes advantage of people, especially during these hard times with the current pandemic. It should not have been done.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I was transferring assets from my account on Coinbase to my hardwallet. I successfully transferred some funds and these transactions were validated via my drivers license and webcam photo. While I was in the midst of this process, I received the following email : Hi X, As a security precaution, your withdrawal of XXXX XXXX on XX/XX/2020 at XXXX PST has been delayed for 72 hours to make sure you authorized it. You can view the withdrawal at Coinbase.com. 

If you did make this withdrawal, no action is required. The withdrawal will automatically be completed in 72 hours. 

In my account, it indicated that I could avoid the delay if I re-authenticated, which I did, uploading my license multiple times as requested and allowing the webcam to validate with my picture. They then disabled my account. When I contacted support, I received this email. 
Hi XXXX, Thanks for reaching out. Having investigated the issue, we are working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 
Thank you for your patience. 
Kind regards, Coinbase Support ref : XXXX : ref Subsequent efforts to contact Coinbase return this response : We received your inquiry, and because you've previously written in about this same issue, we're consolidating your cases into this email thread. We've passed all new information on to an account specialist who is reviewing your case they'll reach out to you here ( review generally takes 4-5 business days ). 
All future questions about this issue should be directed to this email thread so that our account specialist can better support you. 
Thanks, Coinbase Support I have received no further contact nor information. There is no means to call the company unless I have suspected fraud ( which I guess I do - but by coinbase! Not someone else ) 10 days have now passed and all my efforts return nothing but a message that my account has been disabled. I have read online that this is a frequent ploy of Coinbase and I am concerned that I will never get my access returned and they will appropriate the assets in my wallet for their own gain. 

Please help! The Case number they assigned it is Case # XXXX. 

Thank you!
Product: Checking or savings account

Country : Description of complaint : On Friday XX/XX/XXXX, I stopped by a XXXX XXXX XXXX  branch in XXXX  to deposit a XXXX versus XXXX XXXX check made out by XXXX and to reset my debit card pin number. Upon finishing my transaction, I was never told that my account was placed on a fraud/hold status in addition to my debit card not working. Is this because I was XXXX depositing more than what the teller expected me to deposit? To make matters worse, the department who is in charge of rectifying these problems are not open on weekends. I'm just disappointed to still see that this bank is still operating like they did back in the year 2000. No late hours. No real help. No extra benefits. As I called around attempting to get help Today being Saturday, every department I spoke with regarding this matter either gave me a forwarding number that led to nowhere. Please find a way to have your fraud department open 7 days a week. It's the holiday season. I'm sure you all can afford the extra manpower to fix this. Money paid to business : Also, I noticed a very old phone number is listed on my account I haven't had in over 8 years, number ending in XXXX. Care to explain, XXXX XXXX? 

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

On XX/XX/2021 I sent a letter regarding a duplicate late payment on my credit report and I have yet to get this resolved. Their are duplicate student loan accounts reporting to my credit report for Transunion, XXXX, and XXXX  in which they are affecting me negatively duplicate times. I have tried to resolve this matter with the companies and they have yet to remove the late payment from my report or even respond for that matter.
Product: Debt collection

I have previously attempted to resolve a disputed collection attempts by this company without success. I have indicated that the debt they claim is not mine and they are using loan shark tactics to collect a fraudulent account. I have tried to file a complaint ( XXXX ) at this organization ( CFPB ) and the company continues to deny and refuses to investigate the ownership of the account in question. I submit the attached letter from XXXX XXXX documenting that I do not owe this debt. Portfolio Recovery Associates continues their tactics despite this proof.
Product: Credit card

I opened a new credit card with Best Egg. The card has a 12 months 0 % APR deferred interest promotion. I received my first statement. Nowhere on the statement does it indicate that there is a promo 0 % APR for the current statement balance. It indicates that future purchases will have a 0 % APR ( and cash advances will have a 29.99 % APR ). The balance to which this 0 % APR applies is {$0.00}. 

The " fine print '' on my statement says that I need to pay the balance in full to avoid interest charges ( section Grace Period on Purchases ) I am concerned that the current balance will be subject to interest charges. A chat rep from Best Egg says that there is a promo for purchases with 0 % interest until XXXX. This is not indicated on the statement.
Product: Credit card or prepaid card

I was given a visa gift card at a company party with a denomination of {$100.00}. I had the card for about two days before I even unsealed the package and removed the card. I tried to use it online but it was declined. I called the 800 number on the back and after waiting about 40 minutes online was connected to a person who could barely speak English. Their accent was so heavy I could barely understand them. This call took about 30 minutes. I was told that the card has been used twice at target for transactions of {$50.00} exactly each at XXXX XXXX  two days before I actually received the card. I was told that I had to file a dispute. Then I was asked for a whole bunch of personal information such as my full name, address, phone number, and email address and date of birth. When I even suggested that it was inappropriate for them to ask for all this personal information the person threatened to disconnect the call because I was refusing to cooperate. I was told I was going to receive an email containing a form that I was to fill out and send back to???? company ( the rep refused to tell me the name of the company that issued the card ). I only found that information by doing a bunch of research online. I was told that along with the form I would have to submit a copy of my drivers license front and back. As of yet, I have not received an email. I feel that this is really some kind of scam. It's real convenient that the card was used for {$50.00} transactions two days before I received it. The company 's website that is printed on the back of the card looks very suspicious. The calls are routed to overseas call centers. I don't feel that I should have to provide this personal information and copy of my own personal documents to this very suspicious company just to get the funds that my friend paid for. The bottom line is this company is trying to rip us off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with Trans- union this evening. I was attempting to upload my mortgage payment info online via trans-union website of current to PROVE my payments have been made and have been current since 2008, and this mortgage is not showing on my report now. Speaking with the trans-union overseas agents, I was told that my mortgage company had to be a subscriber to trans-union??? Well how do I make that happen, I can not. Why is the mortgage not showing up? still, it used to show.  I do not understand this. I just need to show that a lot of years of payments have been made on time other than when the mortgage central bankers tried to take my home back in XX/XX/2008 along with stealing many other homes. Yes it has taken me a long time to get through many deaths in my family and this induced XXXX   escapade of draining from these credit "REPORTING" privately owned entities have been sued many times, maybe I need to get inline on this one.. Why are seniors hit so hard? Can we get this corrected to at least show my payments for now? I do not understand this at all. Bless who come after us.