23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

OnThursdayXX/XX/XXXXIwenttothemobileapptomakemypaymentof{$450.00}.Ienteredthepaymentamountandsetupthepayment.OnSaturdayXX/XX/XXXXIreceivedanemailstatingthatIwasnearingmycreditlimitfromthealertthatIhadsetup.Iloggedintomyaccounttoseewhattheissuewas,andrealizedFirstBankcardhadloweredmycreditlimitalmost{$9000.00}foralatepayment,thatwasstillclearlyshowingaspending.IcalledcustomerserviceforthefirsttimeatXXXXonSaturdaymorningandwasinformedthatmycreditlimitwasloweredbya"routinecreditauditthatshowedmyrevolvingbalancesonmyaccountsastoohigh.Mycreditlimitwentfrom{$30000.00}downto{$21000.00},andwillnowhaveanegativeimpactonmycreditscore.Iaskedtospeaktoasupervisorandwastoldthatnoneareavailableandtheywouldsendamessageforonetocallback.IreceivedacallbackatXXXXSaturdayXX/XX/XXXXfromXXXXXXXXID#XXXXwhocouldnothelpme.IaskedtospeaktosomeonehigherandwastransferredtoXXXXXXXXID#XXXXwhodidinfactrevealthatthelatepaymentdidinfacttriggerthecreditreviewthusloweringmycreditlimit.Ihavehadthisaccountforover9years,haveneverhadalatepayment,andhaveroutinelyreceivedcreditlimitincreasesovertheyears.ThelastincreasewasinXXXXofXXXX.TherehavebeennochangestomycreditbureaufromXXXXwhenmylimitwasincreasedtoSaturdayXX/XX/XXXXwhenmycreditlimitwaslowered.Thisishavinganegativeimpactonmycreditscoreduetoahighercreditutilizationratio.XXXXXXXXinformedmetherewasnothingshecoulddoaboutit.ShedidverifythefactthatmycreditlimitwasincreasedinXX/XX/XXXXanddidnothaveavalidanswerofwhytheamountwaslowered.Ihavemadepaymentsthroughthemobileappbeforewithoutanyissues.MypaymentshouldhavepostedatthelatestonFridayXX/XX/XXXX.Ifeelthisisimpropertreatmenttoalongtermcustomer.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to express my deep frustration and disappointment regarding the ongoing issue with removing fraudulent items from my record, despite multiple attempts to resolve the situation. Despite providing comprehensive evidence and diligently following the prescribed procedures, it is deeply troubling that the issue remains unresolved. I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my record. Additionally, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred due to this persistent error. With this, I am requesting your assistance to remove these fraudulent items from my credit file : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I emailed them XXXX XXXX XXXX  and I have not heard a response. They have reveled details that were never mentioned before hand for example they posted this text after I had uploaded requested documents regarding my BACKROUND : When sending documentation to help verify your former employment please be sure to redact all sensitive personal information ( such as your date of birth, national identification numbers, salary, and other compensation information ). Failure to redact or remove your compensation history will result in your submitted employment verification documents being provided to your background 's requestor as is, including as applicable any compensation history contained within your documents The problem is when you initially upload these document it was never made aware to me until afterwards when they requested more documents but this time the information was only on the email they sent but not on their website. I am asking they delete my documents since thats not an option on my end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had Barclay credit card for almost 5 years. I paid my credit card off and then a payment hit from XXXX. It went two months without being paid and never received a phone call. If it was way more I wouldve received a phone call. Well it hit my credit report for a delinquency over {$4.00}. Ive never missed a payment since I have owned the card. It killed my credit score. I just want it removed or a note added to help me.
Product: Mortgage

After an unsuccessful foreclosure mediation which resulted in Certificate to foreclose was issued ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX respectively ) we requested a review and approval of a loan modification. From the original modification request, we have submitted the lender 's documentation request always in a timely manner. The lack of communincation with our lender negotiator caused the documentation we submitted each time to go stale and cause the lender to request the same information over and over again as if the underwriter never received what we submited or received it later than we provided it. Now we are faced with Foreclosure Sale Date on XX/XX/XXXX. We have submitted a new modificationm request and when we contact the lender for a confirmation of the documents it is confirm the documents are in review then we call the next day and something else is requested. All of which was already provided. Since we are still receiving the inconsistencies that we dealt with for the past year, we feel very worried that the loan modication package review will not be given the allotted time needed to request a postponement. As such we are reaching out the you in the hopes that our file will be reviewed in enough time to request the postponement. Through the whole year that we have gone back and forth with the lender and the documentation request process not once were we declined the mod due to the financial/hardship status, etc it was because of documents not received on time which baffles us. It seems that all of the documentation request we received advising a decision should be made in 5-10 business days or 7-20 business days ( info stated in document confirmation letters received from lender ) that after a year worth of this back and for we would have had a decision by now which would have not led us to our home risking a foreclosure.m
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. 

XXXX XXXX  XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Product: Credit reporting or other personal consumer reports

The reason I am submitting this complaint is because I contacted Experian approximately around XX/XX/2023 for the second time and demanded the following experiences be excluded from my consumer report because they violate my consumer rights based on the FCRA. - XXXX XXXX and XXXX XXXX XXXX. The following codes below support my request to have the items above excluded from my consumer report. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On Sunday XX/XX/2024 I used my ATM card at a Bank of America ATM machine in a XXXXXXXX XXXX parking lot on XXXX XXXX in XXXX NC. I heard the money counting but the machine never opened for me to retrieve my requested {$200.00}. My bank account was withdrawn by the {$200.00} but I did not receive it. I called immediately from the location and watched as other cars approached to be sure they were not given my funds. A representative over the phone assisted by opening a claim as I sat in the parking lot for 40 minutes. That was Sunday and now it is Thursday and I still do not have my money. This is becoming too much of a common place with Bank of America. I constantly have to fight to get my money returned. I have been banking here for over 20 years! My paychecks are direct deposited. Why is this so difficult and takes so long? Fix it!
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX, XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 Section 602. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XXXX XXXX. I Told the credit bureaus to " Investigate every piece of information '' on the accounts I have listed below. The Credit bureaus stated my account was properly invested but how is that possible if the accounts have multiple inaccuracies. Also I have attached the letter I sent out. 

According to the FCRA The term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the Consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information. 

They Also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Accounts : XXXX Credit Union ( # XXXX ) XX/XX/XXXX Credit Union XXXX # XXXX ) XX/XX/XXXXXXXX Auto ( # XXXX ) XXXX ( # XXXX ) XXXX ( # XXXX ) XXXXXX/XX/XXXX ( # XXXX )XX/XX/XXXX Credit Union ( # XXXX ) I'm requesting a XXXX dollars per violation or Deletion of the accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I reported 3 unauthorized inquiries to Equifax and creditors. 
After more than 30 days of the complaint, neither the creditors nor the XXXX have removed these unauthorized inquiries, nor validated them. 

Per FCRA the XXXX and the creditors have 30 days to verify or remove the unauthorized inquiries and both Equifax and the creditors have failed to comply with the FCRA. 

Therefore I demand immediate removal and compensation of {$1000.00} per violation, due to failed validation and removal according to FCRA timeline.
Product: Credit reporting or other personal consumer reports

Equifax Has failed or ignored my request to verify inaccurate information being reported on my credit report. They must verify and if they cant verify they must DELETE inaccurate information reported. I have sent multiple letters to equifax and they failed to reply back.
Product: Checking or savings account

I received this email from chime withno details of the transaction. They think they can just take people 's money. This is complete robbery and unprofessional. A class action lawsuit should be filed. 

Account On Hold HXXXX XXXX, Chime has identified unusual activity relating to your account ( s ). A hold has been placed on your account ( s ) until we can verify this activity.

Please see below for further details and instructions on how to submit an appeal to this hold.

What Happened During routine monitoring of accounts on Chimes platform, we identified some unusual activity regarding the amount and/or origin of certain funds which have been deposited to your Chime account. 

What We Did A hold has been placed on your account. 

How This Affects You This hold will remain in place until the origin of the funds deposited can be verified. Unfortunately, you will be unable to use your Chime Visa Debit card or sign in to your account on the Chime website or mobile app during this time. 

What Is Needed From You To submit an appeal to lift the hold on your account, please provide the following items for verification : Identity verification documents Your primary government-issued photo ID ( such as a Drivers License or State ID card ). Please send a copy of both the front and the back of your ID. 
Proof of Address ( such as a utility bill ) Written explanation Explanation for the origin and intended purpose of any cash funds recently deposited to your Chime Checking Account Explanation for the origin and intended purpose of any funds recently deposited to your Chime Checking Account via third-party cash transfer apps ( such as XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. ) Explanation for any other unusual deposits to your Chime Checking Account that you may have received As much documentation as is available and applicable to support your explanation Some items which may verify the origin of funds loaded to your account : Receipts, invoices, paystubs, work orders, bank/earning statements, etc. 
Some items which may verify the path of funds from their origin to your Chime account : Bank transfer statements, withdrawal statements, receipts for cashed checks, etc. 
Expected Timeline for Appeal Review of your appeal will typically be completed within two business days of receiving all verification items. An update will be provided on your account status once this review is complete. 

Please note : Additional items may be requested after initial review if your appeal does not sufficiently explain the unusual activity in question. The timeline is typically extended by one to two business days for each additional submission. 

How to Contact Us Please reply directly to this message and attach the requested items. All documents must be sent in JPG, JPEG, or PDF format ( we do not accept PNG or other document formats ). 

If you need clarification on the requested items above, or assistance in submitting your documents in the correct format, please let us know and we will be happy to assist you. 

Sincerely, The Chime Team
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX  XXXX XXXX Balance : {$14000.00} XXXX XXXX  XXXX Balance : {$35000.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$2300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$35000.00}
Product: Checking or savings account

Wells Fargo overdrafted my account on XX/XX/XXXX for one charge bringing me into the negative. 2 days later the organization allowed another charge of {$27.00} to process on XX/XX/XXXX and stated I had one more extra grace day period to cover this charge by XX/XX/XXXX XXXXXXXX XXXX EST, I deposited funds to cover the charge of {$27.00} before the date/time provided. However, Wells Fargo still applied a charge because the account remained negative even though I deposited funds within their time frame to cover the specific transaction per their instructions : which is predatory and unjustly charging my account multiple times ; even though I followed their guidelines. I contacted Wells Fargo and they could not clarify their legal jargon in correspondence and have been uncooperative in assisting me with this matter
Product: Checking or savings account

Between XX/XX/XXXX and XXXX of XXXX I had XXXX accounts open with my primary bank at Wells Fargo. XXXX checking and a savings account. 

On several dozen occasions I had reached out to Wells Fargo because transactions at different times wouldnt go through and when Id check my account theyd be in the negative. 

Each time I would call, I was told that even though I had the funds to cover it, previously added overdraft fees were pending to then take the money in my account, leaving me without access to my funds. 

Between XX/XX/XXXX and XXXX of XXXX when I ultimately had my account closed because I refused to pay anymore fees, I had paid and was charged about {$430.00} in fees alone, despite making deposits to cover those transactions. 

Ive never gotten a response from Wells Fargo, I was always taken through several different associates giving me different explanations as to why. I combed through every transaction adding and subtracting and came up with {$430.00} and all they could say is that the overdraft fees are not waived even after a deposit is made in a certain timeframe.
Product: Mortgage

I was in the process of refinancing my mortgage through XXXX XXXX - The Home Loan Expert, of XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX, MO XXXX, due to the low rates. I was contacted by staff member, XXXX XXXX, on XX/XX/2020 who told me that I had a good credit score of XXXX but he then advised that they could not offer me any cash-out due to the Comps they found on my home. When I asked XXXX how much they determined my home to be worth based upon the comps in my area, he told me that the owner would not allow him to provide me with that information. I was appalled by his response because as a consumer applying for a refinance, I was privy to that information. He refused to provide it. I deserve an explanation as to why I was repeatedly denied that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX are reporting me as 30 to 60 days late on the XXXX XXXX account number XXXX and XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my credit score. I have disputed this directly with the three bureaus but the error has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX/XXXX XXXX  XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARDS XXXX XXXX XXXX XXXX/XXXX  DC XX/XX/XXXX XXXX CO XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX-XXXX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I couldn't believe it when I saw incorrect accounts on my credit report this morning. I have no idea how they got there. I checked my report like I usually do, but this time, there were random discrepancies. I even tried refreshing the page, hoping it was just a glitch, but the errors didn't go away. Because of this, I'm urgently requesting that the documents Ive provided be thoroughly reviewed so I can finally stop worrying about this.
Product: Student loan

I can not get a copy of the promissory note I signed, the one I received was forged and the amounts were incorrect. I withdrew from XXXX XXXX XXXX and did not get refund. I had my loan rehabilitated after threats from 3rd party XXXX XXXX with XXXX. I have not been able to find out why or where my payments to both XXXX and AED do not add up? I can not get an honest answer or assistance. How long and how much do I owe on a loan for less than {$4000.00} and how many years do I have to keep paying? I was told I would qualify for public service forgiveness and then told I do not qualify? 

Why do I have balance sheets that do not have total payments made? Why do my payments keep changing? How much in fees have been added to my loans? What is forbearance? Who profits from these loans? Why do both of these loans show XXXX XXXX XXXX?
Product: Debt collection

COMPANY FAILED TO : 1. VALIDATE A BUSINESS AGREEMENT CONTRACT WITH THEM AND SAID XXXX XXXX  XXXX XXXX 2. HAS PLACE THE MEDICAL DEBT ON MY CREDIT WITH THE 3 MAJOR CREDIT BUREAUS THAT I OWE SAID DEBT OF {$1200.00} WHEN IN FACT ON PAGE 2 OF ATTACHMENT, IT IS WRITTEN OFF AND {$0.00} BALANCE IS DUE. THIS COMPANY IS TRYING TO COLLECT A DEBT THAT IS NOT OWED.

3. IT IS AGAINST THE LAW FOR A DOCTOR TO COLLECT ON A WRITTEN OFF DEBT FROM THE INSURANCE COMPANY.

4. I DO NOT KNOW WHO THIS COMPANY IS WITH MY MEDICAL INFORMATION WHICH IS A VIOLATION HIPAA PRIVACY.