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

It is XX/XX/XXXX, i get paid. My first XXXX on chime and its only {$200.00} because i wanted to see if chime was trustworthy so i set my XXXX to {$200.00}. I make a transfer to my savings, {$75.00} then i buy myself a water at XXXX since i live across XXXX XXXX from it. I lost my card at the same XXXX and XXXX hour and later i get charged {$57.00} by XXXX and i know i only spend {$2.00} or XXXX on the water so theres no way i should get charged {$57.00} right? I call chime customer service and explain this to them, they disregarded my complaint as an issue and i had to get connected to another customer service associate after being hung up on. This 2nd associate was able to provide me with help and started a dispute for me. I had submitted timestamps of where i was with the help of XXXX showing iwas indeed at XXXX at XXXX to make the transaction for the water but i was home during the {$54.00} transaction. Another reason i am making this complaint is because chime refuses to start my dispute for {$150.00} for a transfer to my CLOSED XXXX XXXX account that was not made by me. This is XX/XX/XXXX and im getting continuous emails at this point about new locations and devices where my account is being accessed so when i wake up to this my first instinct is to check my chime account,... i went from $ XXXX {$0.00} so my initial instinct of course is to change my password. Done. The very next day i had a fraudulent atm withdrawal for {$200.00} which left my account at {$1.00} after they had transferred {$180.00} out of my chimes savings account. This entire experience with Chime has left me wondering if ANY bank has security features AT ALL ... I used to be a satisfied customer up until all these fraudulent charges, although i am okay with them happening becausei i know my bank has my back i know that CHIME as a financial service WILL NOT have my back, side with me or help me get my money back. I filed a police report and i am writing this complaint as a final hope to reclaim my stolen funds.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I put in a dispute with XXXX  in XX/XX/XXXX about capital one because they still have an account on my credit report from XXXX. The account has been closed since XXXX and the issue never got resolved. I put in a dispute again for the same issue in XX/XX/XXXX and it said I was accurate with the account being to old and closed and XXXX  would update it but never did. And capital one wont remove it off my credit either after i have called them multiple times as well.
Product: Money transfer, virtual currency, or money service

I was looking for a remote job and I got a job offer from XXXX XXXX XXXX and they set XXXX XXXX for an interview and i passed. They later told me that they are going to send me check so that I can buy computer and software. I get the check 2 days later on the XX/XX/30 and I go to the bank do deposit it but they tell me that they need to hold the check and check for authenticity and that it will be available in 2 days on XXXX. XX/XX/XXXX I get the check on my account and they tell me to buy the computer at the apple store and that I need to send them {$2500.00} for software. Ive never workers remote before so I though this was ok. They tell me to send the money through XXXX and I started to become suspicious so I called the bank that day XXXX and XXXX to confirm if the check is real and they say that the check is perfectly fine and there was nothing wrong with it and that there was money on there and that I dont need to wait 7 days and that the process was already done in the 2 days. So that erased my doubt and on XXXX I sent {$1000.00} and another {$500.00} to XXXX through XXXX. On Monday XXXX the bank takes all my money and now my account has over draft. I called the bank and told them about the whole process and they said they wont refund me the money and that I sent the money willingly. I WAS SCAMMED AND I KEPT ASKING THE BANK IF THERE WAS ANY ISSUE WITH THE CHECK AND THEY SAID NO AND IT WAS FINE. This is so unfair I want my money back.
Product: Debt collection

Hunter Warfield is representing an XXXX that I visited and i was told i was DENIED the day of MOVE IN after signing the lease.I was assured the lease was not VALID. There was a computer error and they claimed I did not make enough money. I was short XXXX of the XXXX financial qualification. Years later I see this apartment community on my credit file. I was told by the credit bureau to submit the affidavit because the manager claimed the unit was rented and someone lived there under my name. I have mailed and faxed a idenity theft affidavit, A third party company named XXXX has also sent information to validate said information. I have sent my photo ID upon request and now they are using it as if they had it from the beginning.
Product: Credit reporting, credit repair services, or other personal consumer reports

Acct. name - XXXX XXXXXXXX, acct. # XXXX - acct. type - CLOSED date XX/XX/XXXX, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. 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 an account without my written consent. 

Acct. name - XXXX XXXX, acct. # XXXX - acct. type - REVOLVING / CHARGE OFF date XX/XX/XXXX, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. 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 an account without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts : XXXX - Account # XXXX, XXXX XXXX XXXX XXXX - Account # XXXX and Department of Education 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. 

Thank you for your time and attention in dealing with this matter.
Product: Mortgage

I was notified in XX/XX/XXXX that I didn't currently have wells Fargo listed on my mortgage insurance. I called in on XX/XX/XXXX roughly at XXXX XXXX XXXX  XXXX to handle this matter. I had a three way call with wells Fargo and XXXX XXXX to resolve this. Both companies said they would take care of this so I thought I was all set. Today XX/XX/XXXX I checked my account and I was billed almost 300 dollars over what my actual mortgage payment was so I called wells Fargo. I spoke with XXXX XXXX and her assistant they told me that I didn't have insurance from XX/XX/XXXX/XX/XX/XXXX with XXXX XXXX. We got on a three way call with XXXX XXXX   they said they never received any payment from wells Fargo so they canceled my policy. Wells Fargo decided they would use their own insurance ( XXXX XXXX XXXX ) cause I didn't have insurance due to them not paying XXXX XXXX. I am just finding this out today cause of the increase in monthly payment. My total premium went from XXXX per year with XXXX to XXXX with XXXX XXXX XXXX. I have been paying the higher premium from XX/XX/XXXX/XX/XX/XXXX to XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint against JH Portfolio, they responded without requested documentation like a contract with my signature showing the exact amount borrowed. JH Portfolio responded with a copy of a purchase and payment history that could belong to any one, the amount on the presented documentation is very inaccurate, i never borrowed such amount. i request full verification of the debt, chain of purchase and history dating back to original creditor including a contract with my signature between myself and JH portfolio.
Product: Checking or savings account

ON XX/XX/17 I SPOKE WITH A PERSON FROM XXXX XXXX AND THEY EXPLAINED A PRODUCT THEY WANTED TO SELL TO ME. I TOLD THEM TO LET ME THINK ABOUT IT AND GET BACK TO THEM, THEY TOLD ME THEY WOULD NEED MY ACCOUNT INFO TO HOLD THE PURCHASE AMOUNT FOR IF AND WHEN I CALLED BACK BUT THEY WOULD NOT TAKE ANY MONEY OUT OF MY ACCOUNT. SO I BELIEVED THEM SINCE IT WAS SUCH A SMALL AMOUNT AND I GAVE THEM MY INFO, WELL THEY DID NOT WAIT FOR MY CALL THEY TOOK MONEY OUT OF MY ACCOUNT WITHOUT MY AUTHORIZATION. I CONTACTED THEM WHICH THEY NEVER ANSWERED OR CALLED ME BACK AND I CONTACTED MY BANK AND NOTHING WAS DONE EITHER. PLEASE I WOULD LIKE MY MONEY BACK FOR THE XXXX
Product: Credit reporting or other personal consumer reports

Fraudulent accounts are on my report that resulted from identity theft. I have notified Equifax and provided my identity theft report but the accounts are still on my report.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.
Product: Credit reporting or other personal consumer reports

ACCOUNT IS SHOW LATE PAYMENT WHEN I NEVER MISSED A PAYMENT
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX Transunion XXXX XXXX RE : NOTICE XXXX XXXX XXXX XXXX XXXX NON-COMPLIANCE REPORTING THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to Transunion that the listed institutions ATTACHED have not conformed and are currently reporting in non-compliance with the following XXXX XXXX XXXX XXXX statutes Reference number XXXX Record type Bankruptcy XXXX XXXXXXXX filed XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Reference number XXXX Record type Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b ) For the record, I, XXXX XXXX HAVE NEVER received an INITIAL OR ANNUAL PRIVACY POLICY NOTICE from any of the ATTACHED reporting institutions as required by the GLBA statute ( s ) above, nor have I been given a chance to opt-out from my personal information from being shared w/ 3rd parties. Why does Transunion allow these non-compliant institutions to report on my credit profile and put my privacy at risk? Until compliance with Sec. 6802-6803 of the GLBA can be substantiated, I DEMAND that Transunion PERMANENTLY DELETE the following non-compliant ATTACHED account ( s ) within 3 days and forward to me a FULL updated credit report with these deletions to the address above By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation and credit worthiness. For the record, I will also file this complaint with my state Attorney Generals office and the Consumer Financial Protection Bureau ( CFPB ). Transunion is in violation of the GLBA GLBA non-compliance penalties can be quite serious for financial institutions. They include both monetary fines as well as imprisonment. The GLBA non-compliance penalties include : A fine of up to {$100000.00} for each violation A fine of up to {$10000.00} for officers and directors of the financial institution In case of a serious violation, individuals may be imprisoned for up to 5 years Revocation of licenses
Product: Credit card

On XXXX XXXX I attempted to apply for a mortgage and was told that my credit score was bad and I did n't qualify. I was suspicious because I have always maintained an excellent credit history. I was told I had a delinquent XXXX account. Since I 've never opened a XXXX account, I looked into it and I found that my adult step daughter ( XXXX XXXX ) and her boyfriend ( XXXX XXXX XXXX XXXX ) had opened up the account and used it without my knowledge or permission. I was lost and did n't know what to do, so to protect my credit I called XXXX and settled with them. I thought that was going to be the end of it and my step daughter assured me that was the end of it. Later in XXXX XXXX, I found out there was more accounts she had opened as my credit had gotten worse. I had my credit report interpreted for me by a credit consultant on XXXX/XXXX/XXXX and found XXXX more accounts that had been opened and defaulted on that were not mine. My step daughter and her boyfriend also admitted fault on those accounts and have signed a written document accepting liability. 
I filed a police report after consulting with several consumer protection agencies and received their help. I was completely lost on what to do. Now that I have received guidance and been informed I understand that I have no liability to pay. 

On XXXX/XXXX/XXXX I notified Chase in writing about the situation, and provided them a copy of my official police report and notarized fraud affidavit. This resulted in an investigation that went back and forth were several chase representatives assured me I would be found not liable or responsible for this fraud. Ultimately they found me liable for this and are continuing to harass me literally daily by placing several phone calls to me to attempt to collect payment. I am not sure how they found me liable, but this is completely unacceptable. Please understand the facts. 
Again, the person who is responsible for this fraud is my step daughter and her husband, they have admitted full liability already. They used the fact that I work out of town and only come home on the weekends to keep the statements hidden from me. They opened up several accounts not just CHASE. Not being informed and limited XXXX proficient, I did n't know what to do when I discovered the fraud. But now I am informed and will not be bullied. I have done alot of research and consulted with several consumer finance attorneys and understand that as a Victim of Identity Theft I have several rights and protections under both state and federal laws. After being formally notified and being provided copies of XXXX the law enforcement report and the fraud affidavit CHASE continues to disregard the facts set forth in this case. The willful negligence and blatant disregard of the facts are concerning as they continue to find me liable for this fraudulent debt, and continue to pursue collection activity in violation of my rights under the Justice for all act and the protections handed to me by Ca Penal Code Section 530.5 and Civil code 1798.11.2 -
Product: Checking or savings account

Ive received a wire from my broker to my navy federal account. Since then they have locked my account and its been months. Ive filed appeals and provided multiple proofs including the brokers contact, navy refuses to speak to him to validate the wires. Ive sent in bank statements of the sender and proof of funds from the senders bank as proof of legitimacy and still Im getting neglected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all 3 agencies and let them know I experienced identity theft with one account beginning XX/XX/2018. At first, they said the item was valid and then no response in other attempts. I have used this portal and mailed them letters, I also called them. I have attached my most recent letter to this complaint.
Product: Checking or savings account

I received an email on XX/XX/2023 from Bank of America notifying me that a bank account was opened in my maiden name, which is no longer my legal name. I had not opened any account, so I immediately called the Bank of America Fraud Department to let them know an account was opened fraudulently in my name, which had occurred once before with the same bank. A representative from the fraud department for Bank of America told me that they had closed the account and that there were no changes in funds in the account. I was also advised that a Identity Fraud Marker was placed on my account to keep this from happening again, but I had been told the same thing by Bank of America six months prior when the same thing occurred. On XX/XX/2023, I received a debit card for this account. I again contacted Bank of America to ask if the card was from the same account or a new unauthorized account. They were able to determine that the card was for the same account, and that a freeze had been placed on the account but it had not been closed as I was told it had. The representative at Bank of America, XXXX, reportedly closed the account. Since that conversation, I have received two months worth of bank statements for the account despite it reportedly being closed suggesting it is not. Bank of America also has not sent me any documentation regarding closure of the account despite requesting this via my phone conversations with them and via letter. I have repeatedly requested that Bank of America close this fraudulantly opened account and can only assume at this point that they are actively avoiding closing the account because they are themselves engaging in fraud.
Product: Credit reporting or other personal consumer reports

I have tried numerous times to get inaccurate personal information off of my XXXX, Transunion and XXXX credit reports. I have sent out many dispute letters and the information is still on my report. According to my fair credit rights I am requesting that the information is deleted off of my report. I also am aware of XXXX facing a lawsuit because they are not actively and efficiently looking into consumer disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX notified my employeer I had an outstanding balance with them of {$19000.00}. I never put that much debt on this card. I have repeatedly asked for signed receipts showing these were my charges, which I never received. This erroneous claim cost me my security clearance, which in turn has cost me job opportunities and extensive decrease in income
Product: Credit reporting or other personal consumer reports

Several accounts on my credit report are inaccurate, out of date, and entered multiple times.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened an account with Commenity Bank or A.K.A. XXXX XXXX  around XX/XX/XXXX, In XX/XX/XXXX I was traveling throughout XXXX at the time and unfortunately I had lost my debit card on 2 separate occasions the first time in XXXX XXXX when I notified the bank of any transactions that were not mine. After 10 days the applied a provisional credit and then the second time unfortunately in XXXX, I had lost my card and at the time I had my phone stolen. I had been using my digital card a lot because I was traveling and I was trying to prevent any type of identity theft which is common in the areas I was traveling through.. I was contacted by XXXX because there was a numerous suspicious charges on my account. So I closed the card filed a dispute and in 10 days I received a provisional credit. Well in the end if XX/XX/XXXX I was notified they denied all my disputes and would be taking back all provisional credits they had provided me in the past. 4 times I contacted a XXXX XXXX  to ask why they had changed there decision and they promised to send documentation as to why they were denied. Nothing has been received still as of XX/XX/XXXX, I asked if I could appeal this decision to all my disputes and I was told no that all decisions were final. They took back in total about {$1300.00}. Since then they closed my account I can not access statements and I am told that any funds left will be mailed to me but will not provided any further information.
Product: Mortgage

We were overcharged property taxes by the state in XXXX and XXXX due to a homestead error. We fixed this and everything was correct. In XXXX Mr Cooper sent out an escrow statement saying we were short in escrow due to our property taxes doubling over the 1 % property tax cap our state has. This is a crazy thing to do as taxes for the upcoming year have not been approved so they are predicting the escrow and raising my payment based off of no facts. Youd think theyd use the same tax number from the prior year, and not double the number out of the absolute cap range that the state has.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Debt collection

On approx XX/XX/year> XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX filed a fraudulent foreclosure case against the consumer. After requesting validation of any alleged debts, they failed to provide any proof that there was ever a contract to do business let alone proof of any debt owed. They are guilty of fraudulently filing the foreclosure via hearsy, slander, libel and harassment of the consumer. They are also guilty of identity theft and filing fraudulent records in the county courts as well as the local law bulletins further tainting the consumers name and ruining her reputation and credit worthiness. They stole the consumers idenity as well as the consumers family members including the children 's identities for unjust enrichment. Consumer never heard of these companies until the fraudulent foreclosure case was filed. They also used skip tracing technology to infiltrate the consumer 's life without consent.
Product: Credit reporting or other personal consumer reports

A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and