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

My complaint is with Chime Bank. Today I received a notification from Chime that my account has been frozen due to " suspicious activity ''. The suspicious activity was listed as my direct deposit that I have had setup for the past few months. I am paid by my employer every two weeks ( XXXX XXXX ) by direct deposit and have filled out all the forms to initiate direct deposit. 

I called Chime and spoke with them about the issue and let them know the money in my account only comes from direct deposit. They insisted that I prove my identity so I emailed a copy of my drivers license and a home utility bill. 

After several emails back and forth they are still reviewing the transactions on my account as suspicious. Also, about a month ago Chime had a security breach and {$1000.00} was withdrawn from my account through an ATM. I had not lost my card and I don't write down my pin numbers. When this happened, I had received a text message about the withdrawal and I immediately disabled my ATM card through the Chime phone app. I called Chime about 15 minutes after the withdrawal to let them know it was fraudulent. They said I had to wait until the transaction completed before I could file a dispute. I waited about 3 days, the transaction completed, and I filed a complaint. The issue was resolved about a week later and they returned my funds. They said that they would issue a new card and in the meantime I could access my funds by transferring my funds to another institution. I also bank with XXXX XXXX  so I initiated a transfer of about {$2000.00} from Chime to XXXX XXXX. After several emails from Chime, they are also considering this " suspicious activity ''. 

Chime has disabled my account and I am unable to log in through their phone app now. I am unable to log into my account to provide the balance due to the app being disabled. I estimate I had {$4000.00} in my account which is needed to pay my mortgage and support my XXXX children. 

I have already notified Chime that I will be closing my account. Transactions such as Direct Deposit have auditing and tracking. They should be able to see the deposit are legitimate and certainly come from my employer. They had also recommended that I transfer money to an alternate institution which now they label as " suspicious activity ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX, am lodging a formal complaint with the Consumer Financial Protection Bureau regarding identity theft perpetrated by former employees of my company. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, who were both employed by my company " XXXX XXXX and XXXX XXXX XXXX '', utilized my personal information to commit fraud, causing significant financial harm and distress. Both individuals have been terminated from their positions due to their actions, which have resulted in substantial losses to my company. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These unauthorized actions have not only resulted in financial losses but have also caused immense stress and disruption to my personal and professional life. The fraudulent activities conducted by XXXX XXXX XXXX and XXXX XXXX XXXX have severely impacted my trust in financial institutions and my sense of security regarding my personal information. 

Recent Developments : XXXX XXXX XXXX was recently apprehended in XXXX by the XXXX Police Department, and some information was reportedly recovered. However, XXXX XXXX XXXX was apprehended by the XXXX XXXX, GA last XXXX, and no information was recovered.
Product: Credit reporting or other personal consumer reports

I have found that your company is reporting inaccurate and incomplete information. I have already communicated with you several times via mail but it seems that nothing has been done on your end. I am exercising my right as a consumer and I demand that you immediately delete and remove this information from my credit report as you are hindering me in finding a stable job to provide for the needs of my family. 

-- FOR XXXX & XXXX -- XXXX XXXX I found that Experian persists in reporting these accounts as late when it comes to payments. It is definitely an indication of inaccurate reporting. Here are the accounts I am referring to : NEBR SOC SRV XXXX NEBR SOC SRV XXXX NEBR SOC SRV XXXX
Product: Credit reporting or other personal consumer reports

Transunion has been informed by me a few times through disputes that they have incorrect information on my credit report. Each time I was told it was validated. This is the last correspondence before legal action will be made. I have the following accounts on my Transunion agency report that need to be removed due to them being now considered income. XXXX XXXX XXXXXXXX XXXX two accounts, XXXXXXXX XXXX, and XXXX XXXX XXXXXXXX XXXX XXXX, along with XXXX XXXX XXXXXXXX. All of those accounts have been charged off and through the IRS charged off accounts are seen as income and income is not to be reported on any reports unless I agree or allow this to occur. There is also one account in collections XXXX XXXX. They are to be taken off my report for two reasons 1 ) I have no contract with them at all and I informed them that they were to cease and desist. 2 ) With my agreement with the past creditor it states they do not give my information out to third parties. XXXX XXXX would be a third party. Transunion did not help in taking off two inquiries on my report. ( I have no collection accounts ) as reported by other credit agencies and they all have to report the same this is an error. I will also attach the IRS law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account charged off. {$3600.00} written off. {$3600.00} past due as of XX/XX/2020. 
( XXXX ) XXXX Public Record XXXX XXXX XXXX XXXX XXXX, TX XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX FTC violations or FCRA XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY wrong address please remove it or correct it not by adding the last four of my zip thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to get my credit updated and Experian person that keeps calling are calling at bad times and expect me to drop everything and answer her questions. She will not give any contact information so that I may call her back. Her name is XXXX. she will not allow me to speak with her supervisor either. I really need help and XXXX is not the one. Just horrible in courtesy and professionalism.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my consumer reports and observed an account for which is not reporting accurately. There are XXXX late payments on this account that were paid on time. As you know, consumer reporting agencies have assumed a vital role and are responsible for reporting consumer information to the best of their ability with maximum accuracy. I have never been late on the payments for the account in question : Account name : XXXX XXXX XXXX, Account # : XXXX and, I am including screenshots with this complaint, specifically for the dates XX/XX/2023 and XX/XX/2023. I request a thorough investigation into this matter and require proof in the form of statements that validate these alleged late payments. If no proof can be provided, I demand that these payments be corrected to reflect " paid as agreed '' and/or " paid on time '' as they should be. Thank you for your understanding and prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I'm exhausted from trying to get these errors off my report. It feels like I've spent hours on the phone and online, trying to explain these inaccuracies and provide documentation, but nothing seems to change.
Product: Debt collection

XX/XX/2015 {$180.00} Currently disputing.
Product: Money transfer, virtual currency, or money service

The app says you do not allow me to link my bank account. It's my money and I wish to use the app.
Product: Mortgage

I have XXXX issues with the servicing of my loan by Wells Fargo Mortgage. I would first note that I am in XXXX right now due to a family illness and my mail had been forwarded from my home in XXXX to my son 's home in XXXX for the last few months. 
1 ) Late application of payment without notification. 
a. I had a monthly payment change for the XX/XX/XXXX payment from {$920.00} to {$1000.00}. 
b. I have payments automatically sent from my B of A checking account in the amount of {$1000.00} per month. 
c. The received they {$1000.00} on XX/XX/XXXX and put the funds in unapplied. 
d. I received no notification of this application and find no notification of the monthly payment change due to escrow analysis. 
e. I became aware of this when I XXXX on to their site to get information for my income taxes. Seeing the payment was not applied I called them on XX/XX/XXXX. 
f. I explained my issue of the unapplied funds, lack of notification and requested a copy of any communication regarding the escrow change or the fact my payment was not processed for such a small differential. In addition, I advised that I wanted a corrected XXXX reflecting XXXX payments of interest. The interest portion of the XX/XX/XXXX payment is for the interest for XX/XX/XXXX as mortgage interest is in arrears. 
g. To date I have received nothing but promises and delays. 
2 ) Interest rate change a. I received a notice of interest rate change dated XX/XX/XXXX around XX/XX/XXXX. It was forwarded from my home in Florida. 
b. The interest rate change is for XX/XX/XXXX with a payment change as of XXXX. 
c. To lessen the minimum monthly payment on the loan I contacted Wells Fargo on XX/XX/XXXX about paying down the balance prior to the interest rate change date. I was advised that someone would research it and get back to me I XXXX days. 
d. XXXX I was told that I was " eligible for a recast '' but the pay down had to be at least XXXX which is more than I want to pay down. 
e. I advised them that this was not a recast, it was a pay down prior to the affective change date. They disagreed. 

Please note that in both of the above cases I informed the Wells Fargo personnel that I am retired but had managed mortgage servicing for XXXX years, I had a copy of the XXXX XXXX, rider and deed in front of me as well as the FNMA XXXX and see no reason they can not do as I asked. In particular the pay down issue. 
Note that the property address of XXXX, XXXX RI is different from my mailing address of XXXX, XXXX Fl XXXX
Product: Credit reporting or other personal consumer reports

Chime is reporting i owe {$44.00} that i do not owe i reached out twice was told someone would contact me in 24 hours no one contacted me i reached out again and was given general information about how to monitor my credit. I want them to correct the information on my credit as i owe them nothing
Product: Credit card

This credit card was opened fraudulently without my knowledge. I spoke with the company before and they agree to close because this was a result of identity theft. It was removed off of my report and everything was fine. But now it is back on my credit report and is affecting me really negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX in violation of my cra showing a late payment never late with Nordstrom XXXX has fixed it but XXXX has not
Product: Debt collection

XXXX XXXX XXXX works with XXXX XXXX XXXX XXXX and started sending 2 bills in 1 month. My employer committed XXXX Discrimination against me and pushed me out of my job. So my grandmother and father were paying my bills. I was sending XXXX XXXX XXXX {$3.00} or {$5.00} dollars a month from my fathers checking account until they stopped sending me my bills immediately sent it to a collection agency, they were zombie debts that they have put current dates on. They dont list the dates of service and I can go to my dads bank and have the checks show I was paying them by law what little I could afford to pay them but I was 7 different accounts they were sending 2 bills in a month and I was paying what I could before they stopped sending me my bill and immediately sending it to collections. Which is illegal and I can have the checks sent to a lawyer because XXXX XXXX has already been sued for their illegal billing habits
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus o update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$16.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON , DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX  XXXX Balance : {$16000.00} XXXX  XXXX Balance : {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I ask for payment history information for the below accounts as well as verification both XXXX accounts are mine. 

I received my credit report but you still haven't provided payment History for the following accounts. Please send me payment history information with copy of my last payment and proof of payment including date of first delinquency for the following account : XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX - XXXX I nee payment history and If you can't provide payment history & a copy of my last payment to these creditors please remove and delete these accounts. Thank you.
Product: Debt collection

Autotrakk LLC has repeatedly harassed and physically threatened me, and went as far as sending a strange repo company to my home during the nighttime, while I was at home with my small children. The first reposession company that came to my home was represented by two men, and they had one of the employees call me a XXXX. I told them that I would call their boss, and the person stated that I own the company maam! I was scared to the point of soon moving out of my home. I was wishing to be done with their tactics, and soon turned the car over to the second company that they sent to my home. They still sent the Sheriff to my house, after the car had been gone for months!!! I still had paperwork to prove that I turned the company over to someone sent by Autotrakk, and the sheriff advised that he would take care of it for me. They report incorrect information, and use threatening tactics in an attempt to XXXX  people. I have documentation of the full balance changing several times. I was told that they either need the full balance, or their vehicle back. I should not be held liable for both!!! wish that I would have consulted with a lawyer, but I am giving them the chance to rectify this through this complaint, and to leave me alone, and remove this erroneous information from my credit report. The financial and emotional distress that this has caused me, during a transitional period during my life has been beyond words. I am saving up to get a lawyer to defend me against this shady company and their violent tactics and untrue reporting.
Product: Debt collection

My wife received a notification on her cellphone stating A message from Sunrise, a debt collector. XXXX XXXX online at XXXX XXXX XXXX Phone XXXX. Reply HELP for info or STOP to end unaware of what it could be for, she logged in only to find payment demands for an XXXX XXXX XXXX account in my name. I have never received any notification of any such debt or delinquency. We left XXXX XXXX XXXX with a XXXX balance and nothing owed after repeatedly having to call monthly to have them correct our bill. Several hours on the phone on a monthly basis is ridiculous and my time is valuable. Since this was a monthly issue over several years we left the company, with a XXXX balance and nothing owed.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B obligates us to delete incorrect accounts from my credit report. Could you examine the documents? Some accounts have errors in reporting, including wrong amounts and dates.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I am having trouble with XXXX XXXX XXXX servicer. It recently transferred from XXXX to Launch Servicing. In early XXXX I sent in my XXXX tax information for reconciliation for them to update my payment. They then claimed I owe over {$5000.00} in reconciliation and it was due immediately. The amount for that reconciliation does not make sense what so ever. I was in deferment through XX/XX/XXXX according to XXXX. I have email proof of XXXX telling me that. In the XXXX it states that deferment period will just be added on to the end of the time. There was under {$100.00} difference a month from what I was paying to what the reconciled income is. And that should have been from XXXX through XX/XX/XXXX. 

My first phone call with them was the last week of XXXX. The person was not able to help me other than saying a supervisor would review it. I then messaged them on XX/XX/XXXX. I shared with them my concerns about the reconciliation and also how when I used the numbers they provided to calculate my payment it appeared they were overcharging me. They never responded to that message. 

I then called again on XXXX and was told that my account was being reviewed and that a supervisor would be calling me in a few days. I never received that call, and I was never sent a message. I then messaged them on XX/XX/XXXX asking about what was going on. I did not receive a response until the XX/XX/XXXX and all it said was that updated proof of income would be required no matter the outcome. They have my updated income from my tax documents. As of today, XX/XX/XXXX, I still have not heard from a supervisor. I continue to receive delinquent payment letters. I had two " spam '' calls over the past two weeks, that after I looked up the number, I realized it was Launch. I assume it was just automated telling me about the delinquency because no messages were left. 

Overall this XXXX XXXX program was misleading and promoted totally differently that what it actually was. I understand the obligation to the payments I must make, but I need to have this reconciliation thing figured out. Launch Servicing appears to me in no rush to assist me and is more than willing to just sent me delinquency letters and tank my credit score.
Product: Debt collection

I was hospitalized for a life threatening condition. When I checked into the hospital I provided my VA information and VA card. 

When I checked out 8 days later I again provided my VA card and information. All bills were to be submitted to the VA within 90 days of discharge. XXXX XXXX XXXX failed to do so and instead waited until late XXXX to submit the bill to the VA. As the VA Voucher was closed after 90 days the VA rejected the bill and informed me that, due to XXXX failure to exercise due diligence in their billing practice neither the VA nor I were liable for the bill. I am a XXXX vet ( service connected ) and live on my Social Security. I have no means to pay a bill that should have been submitted properly to receive payment from the VA.
Product: Credit reporting or other personal consumer reports

After carefully reviewing my credit profile, there are fraudulent accounts showing on my credit report. I am a victim of identity theft for the information to be shared on my consumer credit profile. I ask that ALL items listed be removed and deleted off my consumer credit report.
Product: Credit reporting or other personal consumer reports

XXXX was asked to remove or verify information on several occasions and will not simply uses e Oscar generated replys with verified i request info I asked for method of verification people involved numbers and they ignore. My request and continue to report false information
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XX/XX/XXXX I submitted a request via telephone to XXXX credit report agency regarding several inaccuracies on my credit report which I requested that they verify and or delete during this investigation that I requested with them. I received a letter dated XX/XX/XXXX in which XXXX 's response to my request is that XXXX 's response is the accounts are verified as accurate and updated there is one revolving involving enhanced recovery company and another regarding XXXX XXXX XXXX which is listed as verified as accurate. Which can not be true because that was a car loan I sold the car in XX/XX/XXXX so there is no way that during the month of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I would be 30 60 and 90 days past duebecause I purchased a new vehicle and the financial institution paid off the old loan. Transunion is not doing anything to assist me in this matter. And therefore I formally am filing a complaint thank you.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I identified inaccurate information. In accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus are obligated to verify these accounts. Reporting unverified information without substantiating evidence within the required legal timeframe is unacceptable. I request a thorough investigation and correction of errors for the following accounts listed on my credit report :