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

I am writing to file a formal complaint against Chime Financial , Inc. regarding an unauthorized withdrawal from my account and a scam attempt perpetrated by someone claiming to be a representative of the bank. I am deeply disturbed by the lack of action taken by Chime to resolve these issues promptly and the subsequent denial to reimburse the unauthorized funds. 

On XX/XX/XXXX, a sum of {$350.00} was debited from my account without my knowledge or consent. I have thoroughly reviewed my account activity and can confirm that I did not authorize this transaction. As a responsible account holder, I promptly reported this incident to Chimes customer service department in order to initiate an investigation and request reimbursement for the unauthorized withdrawal. 

To compound matters, on XX/XX/XXXX, I received a call from Chimes official phone number. The individual on the line identified themselves as a Chime representative and attempted to obtain my personal and sensitive information under the guise of verifying my account due to unauthorized charges in another state. I was also sent a text message and email from this Chime scammer demanding a XXXX digit code. Fortunately, I recognized the red flags and refused to provide any information. However, this incident shows the lack of security and integrity of Chimes customer service practices. 

Despite my immediate response to report both incidents, Chime still denied my requests for reimbursement. Chime debit cards are protected by the XXXX XXXX Liability Policy to ensure that cardholders will not be responsible for unauthorized charges. I would like to emphasize that as a customer, I expect my bank to uphold its duty to protect my account from unauthorized access and fraudulent activities. 

I demand complete reimbursement of these unauthorized charges immediately. Additionally, I insist on receiving a detailed explanation as to why my reimbursement requests were previously denied, as well as any evidence or documentation supporting your decision.

Chime Financial , Inc. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Mortgage

I filed on this company and practices before CFPB # XXXX and if you research that number you will see that they also report that my second tax payment was {$2600.00} with is all that XXXX county property tax people reporting they paid. But Loancare is reporting they paid {$2900.00}. Around XX/XX/XXXX I received my property tax bill with an amount due of {$2900.00}. I went online to pay my mortgage and noticed that Loancare was only setup to pay {$2600.00}. Which means that my taxes would have been {$230.00} short. So, on XX/XX/XXXX I paid the {$230.00} so that my taxes would not have a shortage. I then emailed Loancare a copy of my receipt showing the payment of {$230.00}. I received a number for Loancare XXXX show that they received my email. I checked back with XXXX county property tax website and Loancare website periodically just to see if my taxes have been paid yet. I noticed that on XX/XX/XXXX Loancare was reporting it had paid my property taxes in the amount of {$2900.00} which because I paid 2 days earlier what would have been a shortage was no longer the amount due. So, I called XXXX county to see if they had been overpaid because their website was not reporting that Loancare had paid anything.The customer service rep. did not see a payment at all on that day. So, I called Loancare on XX/XX/XXXX and talked with XXXX # XXXX about what now looks like an overpayment and that XXXX county says it have not received that payment that there saying they paid. He assured me that they had sent the payment and that maybe it just had n't posted yet. But, he would send a request for the overpayment amount of {$230.00} and to give them until XX/XX/XXXX to have some answers for me. I called Loancare back on XX/XX/XXXX and talked with XXXX # XXXX. She told me that they were still working on the request and to give them a little more time. So, I gave they more time but, continued to monitor my accounts. I noticed on XX/XX/XXXX on the XXXX county website that a payment was made in the amount of {$2600.00} on XX/XX/XXXX. Which now mean that the date XX/XX/XXXX and the amount {$2900.00} that Loancare is reporting is incorrect and now there is {$230.00} missing for my account. Which is now theft. So, I again called Loancare on XX/XX/XXXX and talked with a supervisor named XXXX XXXX who 's direct line number is XXXX. She told me she would look into my issue and get back with me tomorrow. She never called back or would not even answer or return my calls. I called customer service back on XX/XX/XXXX and talked with XXXX # XXXX and she told me that she did n't see a request for a refund but she would file one for me. I then asked for her supervisor and she gave me XXXX # XXXX direct line number XXXX. She put me on hold and called XXXX county property tax company which they confirmed everything I said to her. She then told me that she would do an investigation and request the front and back of the check they sent out and to give he a couple of dates. I have not heard for her as of XX/XX/XXXX and my account is still reflecting the missing {$230.00} out of my escrow account
Product: Debt collection

This account is not mine. Some had used my information without my knowledge to initiate these account. I have applied for credit and got denied due to the fraudulent account. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner. 

Date : XX/XX/2021 Amount : {$420.00} Filed FTC report and contacted original creditor.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters. 

XXXX XXXXXXXX {$460.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX {$250.00}
Product: Checking or savings account

I have emailed US Bank, visited US Bank, called US Bank- going back months and months ( US Bank will have a record of everything ). I have not lived in the state of Kansas for over XXXX XXXX. I have never had a safety deposit bank with my XXXX XXXX XXXX mom- XXXX XXXX XXXX who lives in XXXX  XXXX XXXX Kansas XXXX I have notified US Bank in person and using their online complain system. I have spoken with customer service- nobody returns any attempts. 

US Bank continues to bill both my XXXX XXXX XXXX mom and me- and have been doing so for years. ( see attached )
Product: Credit reporting or other personal consumer reports

I was going over my Credit Report when I noticed unauthorized marks and I want them removed. 

Experian, 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 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

Complaint Description : I am filing this complaint against Experian because they have not accurately reported my personal information on my credit report. I am entitled to a fair and accurate credit report and my personal information should be top priority. 

Incorrect Personal Information : The personal information that Experian is reporting inaccurately includes incorrect name, incorrect address, incorrect employer. Specifically, the following details are incorrect : Not my name : XXXX XXXX XXXX Not my address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Not my address : XXXX XXXX XXXX XXXX XXXX, XXXX, Co XXXX Not my employer : XXXX XXXX Not my employer : XXXX Attempts to Resolve : I have attempted to resolve this issue by contacting Experian through mail, but I have not received a satisfactory resolution or explanation for why my personal information has not been updated correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested via First Class US Mail on XXXX XXXX and subsequently on XXXX XX/XX/2020 since I did not receive a reply from my first request for a copy of my Full File ( Consumer Report Disclosure ) as I was declined by XXXX  XXXX from information that you provided them contained within my credit file and I enclosed a copy of their correspondence and to date ( over thirty days to obtain a report ) I have not received a reply from them. In my conclusion Equifax behavior is willful and they have failed to abide by the FCRA and under the FCRA : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request ...
Product: Credit reporting, credit repair services, or other personal consumer reports

So in the process of fixing my credit and applying for a car loan, I noticed that on XX/XX/2018 my XXXX  credit bureau had lost points due to an unlicensed collection company ; XXXX XXXX XXXX XXXX for the state of Maryland was added. When I saw that I immediately checked ( XXXX XXXX XXXX   ) to see if they were bonded in my state. The amount is for {$570.00}. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt owed.
Product: Credit reporting or other personal consumer reports

I had two cases in XXXX XXXX in XXXX that I was charged with conspiracy and completed my time by XXXX and Rehabilitate not XXXX XXXX I dont have any open cases
Product: Money transfer, virtual currency, or money service

I have been a long time user of binance.us for years with no hitch. Just recently I have been depositing at a heavier volume. Since the beginning of the year I have done 3 {$1000.00} deposits that were fine. Then on the fourth ( same bank account XXXX all of a sudden i get a supposed " chargeback '' After a few days of investigation I come to find out that there was no chargeback on my bank 's side and binance in fact has collected the money. Even through this process i followed the direction in the q & a section and made another deposit via debit card to make up for what i thought was a charge back. It has now been almost three weeks, I can't withdraw, I can't trade, I can't sell but I sure can deposit. I'm trying my best here to think the most of this platform but they are making it very difficult.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I attempted to create an account on Coinbase. To my surprise, I learned my email was already on file. I have zero recollection of opening account, but since anything is possible, I tried to reset the password. It said my URL wasn't recognized, nor was my phone number. My URL hasn't changed in 5 years, and I have had the same phone number for 20 years and the same email since XXXX. 

I attempted to reach the company through customer service, by phone, and by social media. Without account credentials, I can go no further. I ABSOLUTELY have never received an email asking me to verify a Coinbase account, but my brother, a XXXX XXXX, tells me it would be easy for someone to spoof my email to set up an account with their own credentials. 

My concern is fraud. My data was compromised in multiple incidents : XXXX, XXXX, and the XXXX XXXX. I didscovered someone was using/spoofing my phone, which I have FINALLY shut down. Now I want this account closed. Any help in resolving greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Westlake financial took my truck but closed the loan in my credit report I put {$15000.00} down for that pickup truck
Product: Debt collection

I have been trying to get in contact with XXXX funding for several months with no success. When I finally reached out to them, they informed via email that my debt had been sold to another debt collection agency. The original creditor was a credit card company. I tried getting in contact with the new creditor but have had no success. Out of the blue, I received notification that XXXX had filed a lawsuit against me, but never notified me nor tried to warn me of such a suit. A county deputy came to my mother 's house and provided my mother with the case number. I had to hire an attorney to represent me, causing me to spend money I did not have. I have depleted my savings because of this. I still have not been properly served, yet, the collections is still on my credit report, including the original creditor even though it's been sold twice now. The amount of the debt is {$740.00}. The credit bureaus have refused to delete this off my credit and XXXX has refused to send me any written notices nor respond to my attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$830.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX ( Original XXXX : XXXX XXXX XXXX AT XXXX XXXX ) XXXX Balance XXXX {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I am writing t inform you that Barclays is not my account. I believe thatit is fraud. I want it removed from my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to remove negative accounts for 1 year from my credit report. I am beyond disgusted at this point. I sent information to the credit bureaus about an unjust filing of bankruptcy including accounts. They responded with " Verified '' and to my understanding they listed XXXX XXXX as the date provider. I reached out to XXXX XXXX to investigate and they responded that they could not locate any information in reference to a bankruptcy from their company. I reached back out to XXXX, XXXX and Equifax with the information that XXXX XXXX mailed me. The subsequently deleted their information because there was not evidence. XXXX, XXXX and Equifax are still reporting the derogatory information on my credit report. It literrally has been 12 months since I began attempting have this inaccurate information removed. PLEASE HELP! The problematic accounts are as follows : Bankruptcy listed on all XXXX credit reports. The accounts listed under the bankruptcy as well : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX the account payment history is incorrect. Account never late. Please update. XXXX XXXX XXXX XXXX. No knowledge of account. Also this account shows a bankruptcy. An account can not report monthly if an account shows a bankruptcy. Non Factual reporting. Please delete the account. XXXX XXXX   XXXX The account payment history is incorrect. The account reflects multiple of the same amount of days outstanding every month consecutively from XX/XX/XXXX-XX/XX/XXXX. An account can not have the same amount of days outstanding consecutively every month. This is non-factual reporting. Please remove latenesses. XXXX XXXX   XXXX Does not have a contract with the company. Please delete. DEPT OF ED / XXXX XXXX This account payment history is incorrect. The account reflects three 120 late 's XX/XX/XXXX-XX/XX/XXXX and two 120 dates consecutively in XXXX, An account can not have the same amount of days outstanding consecutively every month. This account has never been late. Please update DEPT OF ED / XXXX XXXX This account payment is incorrect. The account reflects three 120 late 's XX/XX/XXXX-XX/XX/XXXX and two 120 dates consecutively in XX/XX/XXXX, An account can not have the same amount of days outstanding consecutively every month. This account has never been late. Please update. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Credit card or prepaid card

I was charged XXXXXXXXon my Capital One credit card on XX/XX/2020 from a luxury clothing company XXXX in XXXX XXXX XXXXXXXX XXXX The second I got the email I called my cards fraud department immediately. It couldn't have been more than ten minutes after the charge was made. I was credited with the amount and an investigation was launched. 

On XX/XX/XXXX the charge was posted and deem a valid charge. The courier serviced used by the retailer claimed it was delivered to my apartment. The person who signed was not the doorman or anyone in my house hold. Capital One says there is nothing they can do in this instance. 

I am now out of a significant amount of money and now have no fight and launch an investigation of my own which may not even lead to any results and waste hours of life. I feel like I was just thrown out in the cold by Capital One and left to fend for myself.
Product: Money transfer, virtual currency, or money service

I have applied for the loan from XXXX in XXXX and it's proceeded on XX/XX/2023. I have not received the fund to my XXXX bank account. I confirmed that my information : account number and routing number are all correct. 

XXXX XXXX bank Wells Fargo Bank as sender. They should have sent XXXX $ to my chase bank account. I contacted to My bank, but they can't do anything since they do not see any transaction. 
I opened case to XXXX. XXXX requested to Wells Fargo about the transaction. Wells Fargo replied them that XXXX XXXX confirmed the transaction has received with no return. However, XXXX does not see any action happened to my account. 
I asked XXXX to provide proof of payment, however they are rejecting it, and just provided trace id. I contacted again to XXXX XXXX  with this trace id, no luck. 
Wells Fargo provided trace id : XXXX. 

Sender : Wells Fargo Trace id : XXXX Amount I'll receive {$43000.00} Trade date : XX/XX/2023 Effective Date : XX/XX/2023 Receiver : XXXX XXXX XXXX Wells Fargo should track the money