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

This occurred with my Chime Checking account : On XX/XX/XXXX at XXXX XXXX  the amount of XXXX was charged from Chime checking account. The charge was listed as " XXXX XXXX XXXX '' and categorized as " XXXX '' I did not authorize this transaction nor did I have any idea where it came from. I was not alerted or messaged from Chime about this transaction. When I called Chime, they didn't have any real information for me. They couldn't tell me the bank/merchant who authorized this. 

Their best guess of what happened was that this was the result of an individual named XXXX XXXX who had sent money to me using the Chime " Pay Anyone '' function, then afterward filing a dispute for this transaction with her bank. 

This " Pay Anyone '' transaction had occurred a nearly a week prior on XX/XX/XXXX - XX/XX/XXXX This is when I'd mistakenly sent XXXX to XXXX using Chime 's " pay anyone '' without realizing it. Once I did, I was able to get in touch with her and she was able to return the XXXX using " pay anyone '' again. 

This " XXXX XXXX XXXX '' was not specified to be from XXXX XXXX but the total amount was the same. I am unclear if the representatives at Chime were just assuming XXXX disputed this because it was the same total amount. They really couldn't give me any information beyond what I was seeing. 

They recommended that I contact XXXX XXXX to see if she filed a dispute upon sending me money and why ; then told me to call Chime back and file a dispute ( depending on what she said ). When I reached XXXX, she denied having filed a dispute with her bank ( She could very well be lying ). 

So when I contacted Chime again, they said there was nothing they could do. Their hands were tied. I could not dispute this nor would the reimburse me for the money that was taken from my account. 

It is disturbing to me the lack of account security and information Chime had. That it would be possible for anyone who's previously sent me money to file a dispute and it would be automatically drafted my account no question. Without providing any sort of protection, validation, or notification of this transaction. Not only that, its extremely upsetting they would not even provide any attempt at a resolution. I called them twice to verify there was nothing they were going to do for me. 


Note : XXXX goes by XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX Please delete immediately.
Product: Mortgage

XXXX ( first year paying taxes through escrow ), loan servicer sent us a refund check for the remaining balance in our escrow rather than pay the county we owed taxes to. Then, the taxes came out of the account and put us into a " shortage ''. 

XXXX Received our escrow analysis from XXXX claiming we were in a " shortage '' and that our payments would be increased from {$2200.00} to {$2300.00}. That would be an additional {$92.00} for the next 36 months to cover the shortage of {$3300.00}. 

XXXX XXXX XX/XX/XXXX Escrow Analysis arrives stating we are now short {$3700.00} ( MORE than last year 's shortage ) and our monthly payment will increase by {$150.00} a month for the next 24 months beginning XX/XX/XXXX. 
Brought our bill from {$2300.00} to {$2400.00}. 

XXXX XXXX received an email of the escrow analysis ( although we had received the one in the mail in XXXX ). The email contains a video presentation stating we are now {$5600.00} short in escrow and beginning XX/XX/XXXX our mortgage will be increasing to {$2600.00}. 
I reviewed our mortgage payment statement online. {$1000.00} a month goes into escrow. Our taxes every year are less than {$10000.00}. So if we are paying {$12000.00} into escrow a year, and taxes are only {$10000.00} ( which they haven't been that high yet ) ... why are we coming up SHORT? We are paying at least {$2000.00} extra into escrow. Why is our escrow shortage continuing to accrue a negative balance? And why does our mortgage continue to increase, although we are already paying to cover the shortage? 
Please help! We are paying what they asked of us to cover the shortage AND our taxes... where is our escrow money going? How can they keep raising our payment by hundreds of dollars when they did the analysis and established the money needed to pay off the shortage and we are gladly paying it? 

I am happy to provide all my Escrow Analysis documents from the first year we lived here. I can provide any information you need.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill. Its legal obligation under the fair credit report act to conduct a reasonable investigation of disputed information credit report, leaving an accurate or unverified accounts unresolved the consumer financial protection bureau have recently filed a lawsuit against Experian alleging, systematic errors such as failing to provide consumer provided evidence accepting unreliable evidence and failing to adequately notify consumers of dispute outcomes these failures align with my experience where Experian has neither corrected or remove these errors causing ongoing harm to my credit standing and Im requesting immediate action to amend or remove the disputed accounts as it experian inaction violates federal laws and my rights as a consumer
Product: Vehicle loan or lease

I am at my wit 's end with this incompetent company. This is one of many complaints lodged against Ally. 

The gist of this one is that I paid off a summons that was related to my previous lease of a vehicle with Ally. I was on the phone with ALLY WHEN I PAID IT OFF AND RECEIVED WRITTEN CONFIRMATION THAT THE MATTER HAD BEEN SETTLED ON XX/XX/2022. SUMMONS # XXXX, XXXX Today in the mail, I receive a letter dated XX/XX/2022 referring to the same summons ( but associated with XXXX, when the toll authority was in Pennsylvania ) XXXX It was basically gibberish saying I hadn't paid it and that they paid XXXX of all places and it MADE NO SENSE, but referred to the same amount {$18.00} and the same summons # XXXX, XXXX. 

I can not deal with this nonsense. The company has horrible record-keeping, and I do not want to be on the hook for something I do not owe, and they seem to be unable to keep anything straight and communicate in a reasonable or coherent fashion. THEY ARE NEGLIGENT and CARELESS. All my issues with them deal with NEGLIGENCE IN RECORD-KEEPING. I've had enough, and want to move on with my life. Please make them stop bothering me with their idiocy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

SAGE STREAM ' REFUSES TO CORPORATE WITH CONSUMER MAILED A CERTIFIED DOCUMENTS WITH US POAST OFFICE WAS RECEIVED AND SIGN BY SAGE STREAM OFFICE PERSONAL, COMPANY NEVER RESPONSE BACK TO CONSUMER.
Product: Mortgage

My mortgage company forced placed flood insurance on my property when I already had flood insurance coverage. The flood coverage I purchased started on XXXX/XXXX/2016. In XXXX 2016 the mortgage company said the coverage was not enough and to raise the coverage by $ XXXX, so I did to {$190000.00} and back dated the higher coverage to XXXX/XXXX/2016. The mortgage company never told me in advance how much coverage to have. In fact when I called them they told me to have my insurance broker make the coverage assessment. The mortgage company is charging me {$25.00} which is their premium for coverage from XXXX/XXXX/2016 to XXXX/XXXX/2016. They tell me they wont reverse their flood coverage even though they never told me how much coverage to have. I want them to reverse their premium and to have a policy in place so I know in advance of how much coverage I need before purchasing flood insurance. Property loan balance is $ XXXX. Do n't I only need enough coverage to pay off the loan?
Product: Debt collection

I received a " Notice under the fair debt collections practices act '' from a debt collector. I disputed the debt within 30 days as required. According to the " Fair Debt Collections Practices Act '', if the debt was disputed, a debt collector may not continue with collections until the debt has been verified and mailed to me. This debt collector however continued with collections before mailing the required information to me. This abusive debt collecting procedures is against the law and consumers should be protected against these malicious acts of debt collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, have 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
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account name : XXXX XXXX XXXX  Account number : XXXX. Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account is in violation and not reporting 100 % accurate. It lists the XXXX XXXXXXXX XXXX  as the furnisher, that's forgery and misleading when the courts don't report this type of account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2015 an account was open to cfraudulently. with a balance of {$1500.00} I have made attempts to contact them of this matter to only be referred to a collection agency XXXX XXXX in which they have sold the account to followed by ( writing off as a bad debt ) i notified XXXX XXXX  and XXXX XXXX XXXX XXXX that this is not my account. this collection harmfully effects my credit score. the account number where this debt can be found for XXXX XXXX is XXXX  account number with XXXX XXXX XXXX XXXX  Unknown. a letter was sent to both companies followed by the police report attached for Deceptive practice
Product: Credit reporting or other personal consumer reports

I have multiple inquiries on my Experian account that I did not do can XXXX  please remove these off my file they has cause pain in suffering to me these are the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to express my deep dissatisfaction with the ongoing presence of late, closed, and charged-off accounts on my credit report, despite making repeated attempts to have them removed. This letter serves as a formal complaint regarding the handling of my credit file. 

Despite providing evidence of inaccuracies and engaging in due process according to the Fair Credit Reporting Act ( FCRA ), I have not seen any meaningful resolution to this issue. 

The inclusion of these erroneous accounts has hindered my ability to secure favorable credit terms, obtain loans, and pursue other financial endeavors. Furthermore, it has caused undue stress and frustration as I continue to navigate through this ordeal without any tangible progress. 

I demand immediate action to rectify this situation. Specifically, I request that the aforementioned late, closed, and charged-off accounts be thoroughly investigated and promptly removed from my credit report. Additionally, I expect a formal explanation for the repeated failure to address my concerns in a timely and satisfactory manner. With this, I am asking for your assistance to remove these accounts in my credit file : DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$200.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete Late payments from Exeter Finance from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states .

( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards XXXX XXXX
Product: Mortgage

BB & T has failed to act in good-faith to recognize the rights of, communicate with, or provide loss mitigation to the Successors-Of-Interests of an inherited property subject of a conventional mortgage held by their institution. On XXXX XXXX, XXXX BB & T initiated a foreclosure proceeding against the property naming the Successors-Of-Interest as parties for alleged default. 

This court initiated action by BB & T acknowledges in their complaint personal knowledge of key material facts including : the XXXX of the borrower, execution of a recorded transfer on XXXX  deed and affidavit in accordance with state law, and the name and whereabouts of the Successors-Of-Interest. Despite this declared knowledge, BB & T has provided no good-faith effort to acknowledge the Successors-Of-Interest rights, communicate with the Successors-Of-Interest directly, or provide notices of default, acceleration, or loss mitigation options to the Successors-Of-Interest to preserve their rights prior to filing for foreclosure.

BB & T was first notified by the Successors-Of-Interest of the XXXX of the borrower in XXXX XXXX by first class mail. BB & T or its agent/representative was additionally notified during a face-to-face property inspection performed by or on behalf of XXXX on or about XXXX XXXX. BB & T has been provided relevant documents via mail to include : XXXX XXXX of the borrower, obituary of the borrower, transfer on XXXX deed and affidavit transferring interest to the Successors-Of-Interests, and the last will and testament of the borrower. 

BB & T has not provided confirmation of receipt of said notices and/or to refuse to communicate with the Successors-Of-Interests due to lack of confirmation. This last occurred via telephone on or about XXXX/XXXX/XXXX. BB & T requested the information be resubmitted on XXXX/XXXX/XXXX. This was completed on XXXX/XXXX/XXXX via fax and will be additionally included with this complaint. 

BB & T has accepted payment from the Successors-Of-Interest since the XXXX of the borrower without issue. As of XXXX/XXXX/XXXX Successors-Of-Interests believe no default in payment exists despite such claim in the foreclosure complaint. BB & T refused to provide any information regarding this claim upon telephone request XXXX/XXXX/XXXX. 

It is the position of the Successors-Of-Interests that regardless of any claim of nonreceipt by BB & T of prior notices -- BB & T acknowledges personal knowledge of the XXXX of the borrower and the existence of the Successors-Of-Interests in their foreclosure complaint. Failure to attempt to offer loss mitigation options to the known Successors-Of-Interests prior to the filing of a foreclosure complaint seems contrary to the public interest and established regulations, interpretations, and law. 

It is the intent of the Successors-Of-Interests to act in good faith to resolve any issues related to this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have received Alert from XXXX that change decided on my report, then i looked found unauthorized Hard Inquiry left by US BANK this is a fraud on my credit, so right away i add fraud alert on my credit and freeze credit with XXXX and XXXX this below information has left on my credit its Unautorized Inquiry A new inquiry has appeared on your credit report. 
Alert Date XX/XX/2019 Alert Id XXXX Alert Type New Inquiry Inquirer Name US BANK Phone Number ( XXXX ) XXXX Industry Type Bank Subscriber Address XXXX XXXX XXXX XXXX, XXXX, MN, XXXX
Product: Consumer Loan

I do n't have a delinquent loan. I have received XXXX calls each day for the last 2 months. They claim I have debt and threat legal action, they use several legal terms and it is ALWAYS a message, never a live person. Harrassing messages daily on my cell phone, with no details or specifics. Claim they are called CONCORD RESOLUTION..
Product: Mortgage

The original company I signed up to work with was sold off. Since then, XXXX XXXX has been uncooperative. I 've called in the past and attempted to make additional payments over the phone and the company has refused to take my payments. The company also basically informed me that there is no way for me to make additional payments electronically that would aid in me paying off the mortgage sooner. On XX/XX/XXXX, I called and asked them if I could simply MOVE one payment (XX/XX/XXXXXX/XX/XXXX ) to ( XX/XX/XXXX ) due to some critical events that have happened in my life. I have never been late in the 10+ years that I have had this mortgage. XXXX at XXXX XXXX refused to honor my request. Life happens and the mortgage company should be flexible to reasonable requests. I FEEL THAT THIS MORTGAGE COMPANY IS IN THE BUSINESS OF TAKING MY MONEY AND KEEPING ME IN DEBT BY NOT ALLOWING ME TO MAKE ADDITIONAL PAYMENTS AND BY NOT ALLOWING ME TO PROACTIVELY MAKE A PAYMENT ARRANGEMENT FOR " ONE '' PAYMENT IN 10+ YEARS!!!!!!! THEN IF I AM LATE, THEY WANT TO STOMP ON THE CONSUMER AND THROW IN YOUR FACE THAT YOU WERE LATE. I need a third party to get involved since this mortgage company is one of the companies that was responsible for the 2008 financial crisis that our country had to endure. In addition, when I called to work the situation out with them, XXXX refused to give me a case number as evidence that I officially called with my concern/request. What customer service refuses to document or provide you with a case number as evidence of your call? Apparently, XXXX XXXXe customer service does. This is not an acceptable customer service practice to me and needs to be investigated.
Product: Debt collection

I recently received a copy of my credit report and found that you are illegally reporting XXXX XXXX XXXX  information about me. The following alleged account is listed as a Collection with a XXXX XXXX BALANCE OF {$490.00} XXXX, National Credit, Debit Buyer This is a violation of the FCRA and Is also in violation of requisite XXXX XXXX Complaint reporting. 
According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, and you are required to remove XXXX  information that is not true, accurate, and verifiable. please remove the none occur inter at XXXX XXXX To de pot a end. 
well as this account removed. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed I have a late payment. I have never been delayed with payments XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). I think the Consumer Reporting Agencies have the responsibility of reporting all the information in a precise way. Please, investigate and provide me proof with statements that show the payment was late. If the proof can not be provided, I request an updated of the late payment. Thank you very much for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This a formal complaint in regard to the response to my complaint Equifax submitted in XXXX XXXX XXXXnd the continuous reporting of inaccurate and unverifiable information. In accordance with the Fair Credit Reporting Act, Equifax has and continues to violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 by continuously reporting the following discrepancies with the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX How can this creditor verify that the current status is being reported correctly when this account is displaying inaccuracies and discrepancies? What reasonable procedures were used to verify the completeness and maximum accuracy of the information? You are allowing this creditor to update and modify inaccurate and false information on my report monthly, after willingly and knowingly this creditor is violating my consumer rights. 
You also responded to my complaint stating that XXXX XXXX XXXX XXXX is being reported as a single entry on my Equifax credit file. That is completely inaccurate. If it was a single entry, why is the same debt being reported with XXXX different account numbers ( # XXXX XXXX XXXX  ) from the same creditor? Thats a double entry. 

I have sent multiple certified requests with copies of the delivery receipts requesting the XXXX, Cancellation of XXXX XXXX, to provide evidence of my obligation for the reporting balance owed. This account has been charged off, therefore, the creditor has reported the balance as a loss and written off the balance. Creditor is required to issue consumer a XXXX reflecting the actual amount written off to IRS. 

Equifax has failed to conduct a proper reinvestigation and continue to list the disputed items on my credit report, falsely and inaccurately.