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

I opened a credit builder account with Chime Bank. It's your typical secured credit card that you can add money at anytime and use it anytime and they report to the bureau. Well, they aren't helping anybody build any credit. In fact my credit score dropped XXXX points recently because of Chime Bank XXXX XXXX XXXX ) Whatever money you deposit becomes your credit limit according to every other financial institution except for Chime. They think that a balance is good with a checking account its also good for a credit card. All money added to your credit builder is reported as your balance. I added {$530.00} dollars to my card taking my utilization up to 165 % showing that I have a balance of {$530.00} on my Chime Secured Card. I've called and emailed and I get the same response every time. That " when a new card shows up on your report it always puts a ding on your score. '' It's a script and that's their response because they don't understand credit scores in the slightest. Closing the account would also look bad if I were able to. I can't because I have a balance of {$530.00}
Product: Money transfer, virtual currency, or money service

This is related to Paypal dispute case XXXX. I purchased a product manufactured by XXXX from a vendor through their website on XX/XX/19 and was provided a confirmation email with order number XXXX. I tried contacting them a couple of times via email to ask for an update on when the product would ship, but they did not respond. I contacted XXXX, and they told me this website is a fraudulent one. I then contacted PayPal on XX/XX/19 to report the fraudulent activity and request a refund. The vendor provided a tracking number on XX/XX/19 and an incorrect item was delivered to me on XX/XX/19. 

The item delivered to me is a cheap knock-off of the item I purchased. While it has a similar appearance, it is not the product made by the manufacturer. I can tell because the real product includes the XXXX name and logo as well as the name of the product on the physical product. This imitation product does not have any such logos or names on the device. Additionally, both the carrying case that the fraudulent product arrived in as well as the User Manual included do not have the XXXX brand or logo on them or indicate in any way they are manufactured by XXXX. The carrying case itself is not the same packaging that is used with the actual product. I found the actual product in a local store and it comes in a box, not a carrying case. 

The sales receipt I received via email confirms I had ordered the " XXXX XXXX '', not an imitation item. 

Paypal has repeatedly acknowledged that I received a fraudulent item, but has told me I must mail the item to XXXX, with tracking information, in order to get a refund. The cheapest way for me to do this costs {$410.00} per my visit to the XXXX store, which is more than the cost of the item. The item shipped to me from California, not XXXX. 

I have spent over two months attempting to resolve this dispute with PayPal and we are now at an impasse as they refuse to refund me or provide me a reasonable place to ship this fraudulent item despite their acknowledgment that I never received the item that I ordered and paid for. 

I request a full refund of this imitation item shipped to me that the vendor fraudulently represented as the real product.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXX  XXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX Balance XXXX {$43000.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX Balance : {$34000.00} XXXX XXXX XXXX  XXXX Balance : {$50000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX XX/XX/2023 XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$43000.00} XXXX XXXX XXXX XXXX Balance XXXX {$10000.00} XXXX XXXX XXXX XXXX Balance : {$34000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX XXXX XXXX {$43000.00} XXXX XXXX XXXX XXXX XXXX : {$10000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXX Balance : {$50000.00} XXXX XXXX XXXX XXXX Balance : {$34000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00}
Product: Consumer Loan

Good evening team, I 'm filing a complaint on behalf of XXXX and since I co signed on the loan I feel the need to let your agency know how we are being treated. My wife lost her job XX/XX/XXXX due to health reasons. We continued to pay North coast according to our loans terms all the way through XX/XX/XXXX/ XX/XX/XXXX of this year until it became impossible to keep up with the loan term due to us losing an income and having XXXX children to cloth and feed and provide housing and on top of all the medical bills. XXXX, decided to do a voluntary repossession around XX/XX/XXXX/ XX/XX/XXXX some time after agreeing to do this with North coast they told us once the sell vehicle they will call and set up the remaining balance to pay monthly and drop the interest rate to XXXX %. XXXX, heard from Northcoast from the time they came and picked up the vehicle until they pending auction sale and they told us we had to pay {$150.00} to keep our account current and XXXX paid the {$150.00} and that 's the last I heard from Northcoast until Monday XX/XX/XXXX when XXXX called me and demanded a payment because we agreed to make a payment on XX/XX/XXXX ( XXXX to me ) the last I heard was that we were waiting for them to apply the amount they received from the auction ( if they sent something somewhere I never received anything. On the XXXX when they called me at work I was threated by XXXX to make a payment by the XXXX or else. She threaten to send my loan to their legal department. Caught me off guard because I thought we were waiting to finalize the new terms with the minus auction amount. XXXX customer service to say the least is not how a consumer should be treated when we are willing to settle the balance. I just feel getting threating calls at work is not acceptable and embarrassing for me at my employer where I hold position where I lead. I want to pay the debt but the threats is uncalled for. I even offered to pay the amount due on my next pay on XX/XX/XXXX to avoid any issues. I just want Northcoast to be transparent in regards to what monthly payment is due and how much because I was never informed and I ca n't speak for XXXX. If you want to hold me responsible I need to be informed what is owed and not be threaten to be sent to their legal department. I offered to pay on XX/XX/XXXX but they refused.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error, I am XXXX XXXX a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit repoRT and. Unauthorized use of my credit report I demand deletion of the items and information plus I will be seeking monetary compensation.
Product: Credit card

I 've been XXXX ( XXXX XXXX ) credit card holder since XX/XX/XXXX. My credit line was {$20000.00}, I never went over the credit line limit and have always paid my balance on time and in full. This credit card has a reward program with 2 % cashback on each dollar spent. 

My credit card was suddenly closed by the credit card company in XX/XX/XXXX. When I called to inquire about the reason for closure I was told that the credit card company can close any account for any reason or no reason. I legitimately earned {$180.00} cashback which I tried to redeem but was not able to do so, online nor over the phone. I was told the rewards were forfeited because the credit card was closed. 

The rewards show in my account as available as of today XX/XX/XXXX, I earned these rewards ( cashback ) by using the credit card. I did n't do anything against the terms of service but XXXX XXXX XXXX does n't want to pay the rewards. 

Please help me to deal with this company to get my rewards of {$180.00} I earned. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to an account on my report. The account is XXXX  XXXX XXXX XXXX. 

XXXX. On XX/XX/XXXX this account was reported as a Charge Off by XXXX  XXXX XXXX in XX/XX/XXXX. ( enclosed a copy of credit report from Experian with payment history chart ). 

XXXX. The above account was closed by XXXX  XXXX XXXX on XX/XX/XXXX. ( letter from XXXX  XXXX XXXX also enclosed. ) XXXX. On XX/XX/XXXX Experian changed the credit report to state that the above account was charged off as of XXXX of XXXX. 

How can an account that was previously charged off be charged off again 6 years later. There were XXXX investigations done on this account and that both returned inaccurate information. Also this inaccurate information was also disputed with XXXX, XXXX and already been deleted from my credit file. Changing the Charge Off date changes the Status of Limitations on how many years this can stay on my credit file. The account has been paid in full. 

Please delete this account immediately.
Product: Payday loan, title loan, personal loan, or advance loan

Scaling with Sales contacted me with a " job '' opportunity to " XXXX XXXX '' I received a call one day, which I assume was an add I clicked on that caught my attention on XXXX. They asked if I was interested in making {$5000.00} per month as an XXXX XXXXr and to give a call if I was interested. Which I did, and the guy I spoke to was XXXX, he set me up with a XXXX  call the following day. I went to the XXXX  meeting and was met with a young adult male. His name was XXXX XXXX and he went into talking about how he was able to be very successful working for them and was able to move out and get an apartment on his own. That it created financial freedom for him, and he is able to have much more time with his family. He asked if this was something I was interested in and of course I was. I asked about the company and they gave me little to no details on what they actually did. He just said you help other people who are like me looking for financial freedom and a way to make more income. They said they would provide resources, guidance, and training for me to learn how to XXXX XXXX I just needed to make 10 qualifying XXXX  within the first month. They said I needed to qualify first and they checked if I qualified for it on Affirm. After I got approved, they said that I would need to take a {$3000.00} loan, but I will get it back once I make the XXXX qualifying calls. I tried to ask more questions and even denied them but they were persistent. They said they would help me learn, and there will be a one-on-one quide/metor. Weekly meeting calls and a video/master class with access to how to get started. The opportunity sounded very good, and I needed another source of income, so I agreed to " work '' for them. I was on XXXX  with them and they had me allow access to my end. They applied to see if I would qualify for the affirm loan, and once I was approved,. They applied for the {$3000.00} loan. They also took a credit of {$3000.00} on XXXX. They said I also needed to sign a contract with the company. I was able to get the {$3000.00} from XXXX back but not affirm as of right now. Once the interview ended, they had me download an app called XXXX, and this is where I was able to contact them. I had my first onboarding meeting, where they explained more of what I had to do, which was convince other people to join the company. This wasn't at all what I thought the job was, and it wasn't until later that I found out it was a " pay to work '' scheme and is very hard to XXXX XXXX I have contacted Affirm many times regarding this issue but have not had any success. I have tried to reach out to Scaling with Sales to work with me, but they refuse unless I make the qualifying XXXX, which I do not want to do. I don't want to scam other people into this business scheme. I have contacted Affirm many times about this incident, and nothing is being done. I have reported it many times.
Product: Checking or savings account

There was XXXX. In old XXXX negative that must stay negative. And ss payment must transfer to new acct. XXXX. 

I just got a new manager XXXX with XXXX XXXX XXXX XXXX I haven't been able to call or go to social security. 

Also no investigation is under way about XXXX. Fraud claim in XXXX XXXX  to XXXX XXXX XXXX. And it is not being credited If this not DONE I WILL FILE A LAWSUIT AGAINST BANK OF AMERICA!! KAPEESH? 
AND I JUST FOUND A S****LOAD OF XXXX LAWYERS XXXX AND XXXX XXXX IS WORKING WITH ME AT COURTHOUSE. SO DONT XXXX  WITH ME!! 
GOOD LUCK, XXXX AND XXXX XXXX XXXX XXXX
Product: Debt collection

I have received several calls from this company on my cell phone and XXXX other lines on my cell phone account claiming to be an attorney 's office and have also received the following email in my spam folder : NOTIFICATION REGARDING CASE XXXX XXXX XXXX SSN : XXXX ROUTING NUMBER : -XXXX DL-XXXX CASE NUMBER- XXXX PENDING AMOUNT : {$990.00} SETTLEMENT AMOUNT : {$430.00} Defendant XXXX We are hereby informing you that my client ACS CASH SERVICES is going to file a legal case against you at District Court . Your total outstanding with late charges, interest charges and attorney charges has been reached to {$1200.00} which is more than enough to file a lawsuit. As advised by my client, I hereby was giving you a notice before filing this case. 

Be notified that documents are being prepared for the issue of summons regarding the above debt. 

JUDGEMENT in this matter may lead to : ( a ) Additional legal Costs being charged. 

( b ) Entry on the COURT JUDGEMENT REGISTER making it difficult to obtain future Credit. 

FAILURE to make payment after judgment of Court lead to : ( a ) Seizure of assets by a Court ( b ) Attendance in Court for an Oral Examination regarding assets, liabilities, Income and outgoings ( c ) A Garnishee order attached to your bank accounts. 

( d ) Bankruptcy or liquidation If you are willing to resolve this case then we can provide you a onetime settlement offer of {$430.00} that has to be paid by Today as paid in full with XXXX balance. 

Kindly make sure and update us your confirmation so that we can update our accounts department to hold your case and send you further instruction in order to make the payment. 

You will receive a legal notice at your address within next 2 business days if this case remains unresolved. Our client is going to offer you the settlement amount which is {$430.00} in order to resolve this matter, It is essential that you immediately settle this account by sending settlement amount. The consequence of ignoring this notice could be very serious. 

If we have n't received any mail from your side then we will be downloading the case file to the court house and we will also inform your work place about your debt and the case file, and once the case file is forwarded to the court house then you have to pay {$4000.00} in front of the judiciary and then the settlement amount {$430.00} will not be acceptable. 

NOTE : IF YOU IGNORED THIS EMAIL AND FAILED TO TAKE CARE OF THIS DEBT THEN ALL OF YOUR BANK ACCOUNTS WITH ( XXXX XXXX ) WILL BE SEIZED THRU MAJOR CREDIT BUREAUS WITHIN NEXT THREE BUSINESS DAYS THAT 'S WHY YOUR CO-OPERATION WOULD BE REALLY APPRECIATED. 

Sincerely, Law & Investigation Department ACS CASH SERVICES
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Checking or savings account

I have numerous dates from the time I opened my account until this month had to clisenand reopen my account bc of hackers and errors with my card.I was XXXX all part of 2023 and majority of 2024 year. I had so many card error issues bc of XXXX  missing in my account and that lead to me closing my account and reopening another. This put me in debt and caused severe XXXX  and stress in my life. I am still dealing with issues from this.
Product: Credit reporting or other personal consumer reports

A Bankruptcy is showing on my report with Transunion. It is not supplied nor given by the court and is false reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX. XXXX : {$430.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$3500.00} XXXX XXXX XXXX XXXX XXXX  XXXX... .Balance : {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX .... Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX .... Balance : {$4400.00} XXXX XXXX XXXX XXXX  XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I received a visa vanilla card in XX/XX/XXXX for {$500.00}. I went to use the card in XX/XX/XXXX to pay a hotel bill. When I called on the balance was {$5.00}. I never used the card there were several charges on the card totally {$490.00}. I opened a complaint with visa in XX/XX/XXXX case # XXXX visa card # XXXX. I requested that I be reimbursed for the unauthorized charges and have not heard anything back.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes. Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. I used Zelle multiple times and would report discrepancies and neither my financial institution nor Zelle took care of this issue. They informed me that there was NOTHING that they could do for me. The lack of help that I received is ridiculous and unprofessional.
Product: Credit card or prepaid card

On XX/XX/XXXX and XXXX two retailers refunded to my account a total of {$10000.00} for a vacation trip that I had to cancel because of a XXXX XXXX. Approximately XX/XX/XXXX I contacted the Bank America Credit Card Co ( XXXX ). to request a refund of my credit balance. I was at that time informed that a refund would be sent to me by a check, in the amount of credit balance after my cc ( credit Card ) balance was paid off in about 10 days. So I waited and on XX/XX/XXXX I checked my cc balance and no action had been taken because I still had a very large credit balance. I called again and I was then informed that I would receive a refund directly into my checking account, the account that I have used to pay the balance for all three ( 3 ) of my BA cc 's. This would take 2 to 5 business days. On XX/XX/XXXX I checked my account and no action was taken. I contacted the XXXX XXXX and after explaining my problem again and getting no where I asked to talk to a supervisor ( SV ) after waiting 20 minutes I was told that the SV would call me back. I waited until today XXXX and called again. After explaining my problem again I waited for the SV and after waiting I was told to leave a message and the SV would call be back. The rep then transferred me to the Auto Loan Dept. not the SV. So I called back again and after explaining my problem again the rep took my info and said the SV would call me back. 

I believe that I have done all that I can do and the XXXX XXXX is just giving me the run around while they keep my money. I need your help.