23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a disputed with Experian on XX/XX/2019. And now after a complaint last week, they want to investigate this dispute after more than 90 days. I send a letter in XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX shows XXXX amounts due to XXXX XXXX XXXX, both from XXXX XXXX XXXX, XXXX for {$67.00} and the other for {$84.00}. I believe these are duplicate charges. I have asked for these charges to be verified and have not received any answer.
Product: Checking or savings account

I made a {$2500.00} transfer from my personal account to the Chime checking XX/XX/2023 the second transaction was supposed to be a {$6500.00} transfer from my personal account to the chimes checking account which my XXXX XXXX XXXX stop that transaction from happening which led to closure of Chime account with my {$2500.00} still in that account chime closed my account XX/XX/2023 and Ive been trying to get my {$2500.00} back unable to. They said they need a photocopy of my ID a written explanation and proof of transactions. Ive sent that information several times and still have not resolved the situation. They keep sending me an email back, saying they need a copy of all the information that is required to XXXX or XXXX and nothing. Here we are in XXXX and still nothing also, the number that they have doesnt help either.
Product: Checking or savings account

I got a refund issued for a terrible experience with airbnb. I was granted a partial refund on XX/XX/XXXX, the day I called XXXX about the issue. Chime had nothing saying a refund was issued. Skip forward to today, 11 days later, I call XXXX again, as there was an issue on their end as well and I got that taken care of. I was told to call my bank to check on the refund, and today, after talking off and on with them since the XXXX... they had a note of the transaction magically be there after not seeing it for 11 days, and it said it hit my account. 
However, it did in fact NOT hit my acct. I was broken down in a car in Nevada driving back to XXXX and was desperate for that money to hit and it never did. I did math of all my transactions to ensure I didn't XXXX myself over with my low funds I had, and there is no {$420.00} refund anywhere in that. 
My statement also claims I have nearly {$700.00} more in my account than I do, so I feel very scared about there being a larger chunk of money missing than my refund. I have noticed keeping track of things on paper not lining up with my bank ... my card has been used by XXXX quite a few times, I'm getting a new one sent. 
I project I am out {$1100.00} in total. Ultimately, I want my {$420.00} refund from XXXX, and an explanation as to why my statement shows {$690.00} more dollars than I have. Nobody will tell me, phone representatives stay silent when I ask, at least 2 of them, silent. I feel very uncomfortable having my personal info and money in this company.

This is far from the first time I've seen large portions of my money go missing, or have had my card used by XXXX specifically multiple times for purchases not made by me since having Chime. 
I've attached my chime statement a representative told me she was reading from today that shows I have XXXX more than I have. She told me that wasn't on my statement and when I asked her why the balance shows as such, she and the next representative refused to say a single word to me. 
I'm incredibly positive this is real money that is missing from me and I'm devastated and horrified to realize that thinking money has been going missing the past few months seems to actually be happening...
Product: Credit reporting, credit repair services, 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. 

I told the Experian, XXXX XXXX and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Also they are not even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Checking or savings account

On XX/XX/2023 I arrive at XXXX car wash a self serve car wash .I purchased one wash service for {$14.00} and a second service for {$2.00} totaling charges were {$16.00}. Somehow they were batched together by the care wash financial payment processor incorrectly charging my debit card {$1600.00}. On XX/XX/2023 I called @ XXXX XXXX  stating I did not make that charge for that amount the representative communicated to me that it was two pending charges of the same amount which I observed myself on my account. The representative stated that I did not have to do anything that they were going to take care of the dispute. On XX/XX/XXXX XXXX I received a letter stating the provisional credit that was applied since the merchant issued a credit in the amount of XXXX the provisional credit was removed once investigation is completed. I will receive a final letter. on XX/XX/2023 I receive another letter stating that they have made a final determination based on the facts that my claim was found to be valid and that the provisional credit issue is now permanent, and will not be reversed. On XX/XX/2023 I received another letter stating that my account was in the negative for a credit that was determined valid. Ive received three conflicting letters reached out to Navy Federal to resolve this matter. The few representatives that were trying to assist me with the issue expressed that someone in the fraud department failed to do their job every manager or supervisor that I have spoken with failed to return my phone call I had too repeatedly call no one would not return my call. This is unacceptable and unfair this situation has interfered with my well being. Ive have been a member for XXXX but something that was out of control Im the one who has to suffer because of an individual who did not do their job correctly.No one at navy federal did not try to help me with this issue.
Product: Credit reporting or other personal consumer reports

I recently started to check my Credit reports after a long while of not doing it. I discovered that there was an account on my Credit Report that isn't mine. I think I may have been a victim of false identity and decided to file an ID Theft Report. This is the 2nd time I have filed an ID Theft Report which has went no where and there is no number listed to call them. The Company name is Credit Acceptance and the amount is for {$21000.00} which was opened up back in XXXX
Product: Credit card or prepaid card

I have been communicating with Chase Card since XXXX about fraudulant charges from various companies. There are roughly 50 charges in question. On 2 occasions Chase closed and reissued new cards and charges were again processed on the new cards when the cards were not even activated yet. I have spoke with a dozen + agents and still no logical resolution. I cherish my good credit history but now again at a brick wall. I have been paying amounts I know are not correct and now have charges, again not made by us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a response from you all about the credit agency complaint number XXXX. 

Unfourtunately, I believe that you all are allowing the bureaus to break the laws according to FCRA laws which state that the bureaus are suppose to response within a reasonable time frame of 30 days. Yet, they have not even responded until I sent a complaint via you all. Also you all know about the CARES ACT and this violates that as well. Equifax was recently involved in a case for actions like this. 

There actions of not responding to me in a timely matter and keeping this inaccurate information that is not even mine on my report is preventing me from getting a safe and affordable place to stay for my family and I again.
Product: Credit reporting or other personal consumer reports

Fraud and data sharing in credit reporting are governed by laws like the Fair Credit Reporting Act ( FCRA ), ensuring accuracy and consumer protection. Issues include identity theft, synthetic fraud, and data breaches like Equifax ( 2017 ). Consumers should monitor reports, while companies must secure data and comply with privacy regulations to prevent misuse.
Product: Credit card

I have noticed unauthorized charges on my account statement from XXXX different companys.i I have never received goods or services from them.one from XXXX for the amount of XXXX and change and other from XXXX for XXXX and change.i tried to dispute it with the credit card company they ended up rebillling those charges.i am not going to pay for those unauthorized purchases.
Product: Payday loan, title loan, personal loan, or advance loan

I had a loan with big picture loans on XX/XX/XXXX. I made my first payment on XX/XX/XXXX because it was a partial payment of {$46.00} because of a hardship. The agent told me if my circumstances dont improve to reach out to see what options are available. I had a family emergency I had to go out of town so I reached out on XX/XX/XXXX to revoke ACH and I explained the situation. And I said when I return I will set up a payment plan. I returned on XX/XX/XXXX I sent an email stating that I returned from out of town and that I would like to go on a payment plan now the account is past due. I just came back from work. And I need more time to get back on my feet. I received an email stating that they are unable to set up a payment plan. I asked if they can do settlement plan that I can afford because I can not afford to pay {$180.00} with the income I have work part time and I do not make enough. I would like a resolution to this problem and the account closed
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 USC consumer rights to privacy and confidentiality under 15 1618 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604 A, states I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2, States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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 they are providing is not accurate.
Product: Mortgage

I am currently in a chapter XXXX bankruptcy which was filed inXX/XX/XXXX. The mortgage on my home was sold to Bayview Loan Servicing inXX/XX/XXXX. The real estate taxes on my home are escrowed and should be paid by my mortgage company by XX/XX/XXXX, and XX/XX/XXXX each year so as not to incur late fees. As my documentation will show the taxes on my property were not paid until XX/XX/XXXX which caused a late fee of {$330.00} to be assessed. The taxes for the second half of XX/XX/XXXXwere paid on time. This year the first half tax bill was again paid late. The taxes were paid on XX/XX/XXXX, which again caused a late fee of {$330.00} to be assessed. I went to the XXXX County Treasurer 's office today to get a print out showing the taxes for my property for the second half have still not been paid and there is a late fee of {$330.00}. When my taxes were not paid correctly for the first half of XX/XX/XXXX I spoke with my attorney for my bankruptcy about the matter. He said it is not legal for a mortgage company to collect funds for an escrow account and not properly pay the items escrowed for on a timely basis. At that time I was concerned that other money was not properly being accounted for by Bayview Loan Servicing. My attorney requested from Bayview a complete accounting of my mortgage payments and escrow account. We still have not seen that paperwork. It is my desire that Bayview Loan Servicing be requires to provide me with a complete accounting of the funds collected from the bankruptcy court and show in detail how they are being applied.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to Trafficking-Debt Final Rule 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022. 142 ( b ) ( 6 ).

I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX for myself, XXXX XXXX XXXX, Last XXXX of XXXX : XXXX, XXXX : XX/XX/year>. Please delete the following accounts. XXXX XXXX XXXX Vacations bal. {$15000.00}, XXXXXXXX XXXX XXXXXXXX. {$9100.00}, XXXX XXXX XXXX XXXX XXXX. {$6800.00}, XXXX XXXX XXXX bal. {$340.00}. 

Thanks for your prompt attention to this matter.
Product: Checking or savings account

Today is XX/XX/2022. On Saturday, XX/XX/2022, I walked inside Regions bank and deposited a check from a settlement I received. The check amount was XXXX. I asked the bank teller specific details regarding the availability and processing of my check funds. The banker printed out a Notice of Hold form that indicated a hold would be placed on my check deposit because it exceeded {$5500.00}. Additionally, the form contained the exact dates and amounts of the check disbursement. The form indicated that on XX/XX/2022, a hold would be released from a portion of the funds in the amount of {$5300.00}. It also indicated that on XX/XX/2022, the hold on the remaining balance would expire. Based on this information, I set up bills/checks to be paid against the {$5300.00} that was supposed to be available today ( XX/XX/2022 ). 
This morning after checking my account I discovered that the {$5300.00} was not deposited as promised. I went to the bank to get a resolution. I spoke with the branch manager who inquired where the check came from. I answered his questions and showed legal documents regarding my settlement. He proceeded to inform me there was nothing else he could do to release the {$5300.00}. When I asked for the reason, he said he didnt know because it was being handled by the back office. When I asked him for the back-office contact information, he said he was the last chain of command I could speak to regarding the matter. I informed him that the misinformation I received regarding the time of disbursement was creating a stressful financial situation for me. He callously showed no regard for my concerns. There was no accountability for why I was given incorrect information about the date my funds would be made available. There was zero explanation as to why my {$5300.00} is not being released in accordance with the Notice of Hold form. I have been a loyal customer to regions bank for over five years. I have never had issues with check bouncing or anything like that. I feel I am being mistreated with unfair and unsavory banking practices. I am considering switching banks after this catastrophe.
Product: Debt collection

The Law Office of Brent D Stamps called to settle a debt that I am currently disputing. Mr XXXX  filed a legal action stating we owe a debt to XXXX XXXXXXXX Mr XXXX  was tiring to settle the debt when I expressed my concerns that the billing codes we wrong, the hospital did not follow covid protocol and incorrectly billed the provider. After I provided my supporting documentation, Mr XXXX threaten me with moving the case he filed in the XXXX XXXX XXXX XXXX to state court knowing I would incur additional fees and need an attorney to proceed if I didnt settle. When I refused, Me XXXX  ended the call
Product: Mortgage

Company disapproved the loan application by stating that a ). After careful review of application, they are unable to approve the request for credit and b ). Unable to verify ownership or occupancy of property.
Product: Checking or savings account

Over the years, Wells Fargo would systematically hold deposits and cause me to have numerous overdraft fees by not making deposits available on the day I am paid, or the day the money was received by the bank. They would purposely wait until a Tuesday to post a positive account balance even though I was paid on Fridays. Causing any automatic payments to my account to have a {$35.00} overdraft fee each time for several payments. Sometimes resulting in {$150.00} or more each paycheck. When I asked them about this they said there was nothing they could do because it was the way their system was set up.
Product: Credit card or prepaid card

It is sad to see that Navy Federal Credit Union does not care about its members. On XX/XX/2021, I submitted a complaint to the CFPB about my account being closed. I explained that I missed all the payments because I was under an XXXX XXXX due to XXXX. I was under an iXXXX XXXX for a whole year. I had no way to make the payments during this time, and as soon as I recovered, I contacted all my creditors and worked out a plan to reopen the accounts and get them back to good standing. Most of my creditors reopened the accounts and removed the derogatory marks off my credit report, as they understood covid19 was something they had never seen before. The only creditor not willing to work with me is NAVY FEDERAL CREDIT UNION. Instead, they have been constantly calling me about paying less of what I owe, this is not what I want. I also received a letter stating they would accept a lump sum of XXXX no later than XX/XX/2021. This is not what I want. I want NFCU to do what every other creditor did and reopen the account and remove all the derogatory marks on my credit report. 

NFCU, if someone with a XXXX is reading this, I HAD XXXX. I WAS IN THE HOSPITAL. Someone please help me open my account back up, I will pay what I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid for services with credit my rent on XX/XX/XXXX. After a few weeks of no update I sent an email and was got a respond and was they just received my file and she was working on it. In XXXX I asked for another update and was told they were behind due to COVID. So i sent several emails to cancel the service and requested a refund. Each week Im begin hung up on and told its being processed and still havent gotten it
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against LVNV Funding LLC for committing identity theft. I have never given LVNV Funding LLC any permission to use any of my identifying information to commit mail fraud or aggravated identity theft by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692e ( 12 ). I have not validated any alleged debt with LVNV Funding LLC, and my failure to dispute the validity of the alleged debt shall not be construed as an admission of liability. I have yet to receive any documentary evidence, such as a trilateral contract, giving LVNV Funding LLC any right to collect on this alleged debt. It is in my belief that LVNV Funding LLC are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. I have never received any documentation requesting validation from LVNV Funding LLC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer reports including but not limited to 15 USC 1692d ( 4 ) which the FTC defines as debt parking. If LVNV Funding LLC can not provide me with proof, such as a tracking number, that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with the forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all legal activity, communication, and collection activity of this and any alleged debts until LVNV Funding LLC can provide me with sufficient documentary evidence that I gave any legal obligation to pay them. If this documentation evidence can not be produced and LVNV Funding LLC continues its collection efforts, I will file for litigation for actual damages caused and LVNV Funding LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are now hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required.