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

In accordance with 15 U.S. Code 1693f ( a ), CHIME was presented with written notice that I, the consumer, believed that an error occurred when an Electronic Funds Transfer from XXXX from XXXX XXXX XXXX was returned back to the Sender. The alleged discrepancy that caused the rejection was the name on the deposit did not match the name on the account, when the names in fact did match. CHIME was abusive and deceiving in this nature causing tremendous amounts of stress to get this error corrected. CHIME used fraudulent practices to return my deposit and many others who were in a similar situation of using CHIME as my primary bank for all deposits of income of self employment. CHIME has never rejected a deposit to my account due to it being a business transaction, in fact I am sole proprietor all business transactions are conducted in my name and deposited into this account. Withstanding, the Sender of the Electronic Funds Transfer has successfully initiated several prior Electronic Funds Transfers into my account without rejection or verification. CHIME was abusive and unfair in choosing to reject this such a large deposit of crucial funding during a time of uncertainty and economic stress. This abuse has left me with little trust in CHIME and its illegal and fraudulent practices. I'm afraid to deposit funds into this account as CHIME has shown me that they are not reliable and are above the law, with their illegal actions and lack rightful concern handling consumer complaints and transactions. CHIME after numerous written notifications from the consumer continued the acts of abuse causing severe mental anguish and anxiety about that fate of my Electronic Funds Transfer. CHIME has yet to investigate my claim of their error. It is now 43 days since the error occurred Chime was directed numerous times by the consumer and notified that they are liable for damage and given instructions to correct the error and credit the account in accordance with 15 U.S. Code 1693f ( b ) Instead, I was misled in the procedures of retrieving my Electronic Funds Transfer. CHIME insisted there was nothing more for them to do and that I must refer to the depositor to resolve CHIMEs illegal practices of willful negligence.
Product: Debt collection

Hillcrest Davidson & Associates contacted my mother ( XXXX Party ) about a frivolous claim that I formally disputed and have not been provided backup or documentaion on. 

1. Disclosed detailed information about disputed claim including slanderous allegations of fraud. 
2. Obtained the contact information illegally from an employer ' s emergency contact information. 
3. Continously harrasing XXXX party after being asked not to ( In writting ) on several occasions.
Product: Payday loan, title loan, or personal loan

AMERICASH continues to allow their 3rd party vender to take money out of my account every week unauthorized. I never authorized this payment or the last and they keep submitting these payments not even on the days I get paid. I want my payment information removed from this 3rd party vender the registered agent for this 3rd party vender as well as AMERICASH fir operating in Illinois because at this point these people are just using my credit card information as they feel and AMERICASH authorized these payments without my permission. Then you continuously send wage assignments to my job yet you ARE taking these payments. I have the screenshots  posted with this complaint yet your website states the last payment you received was XX/XX/XXXX when it fact you just took a payment on XX/XX/XXXX so if youre not taking thesepayments you have authorized someone to take them on behalf of AMERICASH. I dont even use that account any longer because you have given my information out to a company I know nothing about and they continue to use it at will. Who is taking these payments on behalf of your company as you have stated without your permission in error
Product: Credit card or prepaid card

I've called and called I can not get threw to customer service I never received my nm unemploent eppicard for XXXX XXXX adress Is XXXX XXXX XXXX XXXX XXXX NM XXXX there is no option to speak with customer service unless you have a card number I never got a card so how am I supposed to get. 1 it's rediculous my benidirs are posted and I can not. Access funds n m unemployment says they don't issue cards I have to call eppicard directory so I'm out of options my email XXXX please send my card
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are incorrectly reporting that I am ( 120 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX, Account Name : XXXX XXXX Account XXXX : XXXX, and so on.
Product: Credit card or prepaid card

I have a Chase credit card, and have it for 8+ years. I always pay my statement balance in full, and therefore am never charged interest. However, this past month, I did not pay my full statement balance. This left a difference of {$140.00} subject to interest charges. However, on the following month 's bill, my statement said {$820.00} was subject to interest charging. 

I called Chase to get an explanation. They could not provide an explanation, but credited my account for the full amount of interest I was charged. This makes me worry that Chase -- a large financial institution with a history of deception practices -- may be overcharging consumers. I consider my knowledge of finances to be above-average. But I fear that the typical consumer would not raise any issue, and then be overcharged for interest they should not be paying. 

I would appreciate someone investigating this potential abusive practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I resolved this debt with a settlement in XXXX of XXXX Asset Recovery Solutions stated that upon payment they would remove this adverse credit from the credit bureaus and til this day its still on there. Although they sent me a letter saying this debt was resolved. Every time I try to dispute it to remove it from my credit they wont do it! Although they said they would having reaching a settlement.
Product: Credit card or prepaid card

XXXX ) I have a credit card ( Chase Freedom ). Over the past XXXX XXXX yrs, I have not had a credit card from Chase. They closed my account due to an unauthorized purchase in the past. have been trying multiple times to get a new card sent to me in the mail. I have not yet received it. They claim that they keep sending me a new card every time, they verify my address prior to ending the phone call and tell me that I should receive up to XXXX business days. I never do. I have not made it a serious issue since I did not use it. 
XXXX ) I have not been able to login to view my account in over XXXX yrs now. I have tried over XXXX month ago with a customer service representative, but was unsuccessful. He claimed that my account was locked out. In addition, it is hard for me to get service, since the call requires a XXXX digit credit card number. I do not have a card XXXX ) I have been a customer with this bank for XXXX  years, and was never late on my payments. Recently, I have been late, XXXX times. I explained to the rep, that I can not sign in to my account still. I wish to have these late payments taken off my credit report. The rep told me that he can not help me. I do not think that I can resolve these issues on my own. I really need your help. 
I would be most grateful. 
Warmest Regards, XXXX XXXX ( XXXX XXXX
Product: Credit reporting

I have been disputing incorrect information that is reporting on my credit reports. XXXX/equifax/XXXX. I have an acct on there that is a result of identity theft ( XXXX ) and the credit reporting agencies just keep updating the information and keep telling me that it meets the fcra. This is completely ridiciulous as I am being penalized for something I did not do. I also had a XXXX card opened in my name and it has been verified directly with XXXX that this acct was opened fraudulantly. I have been writing letters and making thousands of calls to the credit beaurous to please remove this information off my report and they are doing nothing about it but keep updating the information. This is affecting me in obtaining credit as it is affecting my credit score. I have obtained free legal advise as to what steps I should take in suing the credit beaurous because I have allowed more than enough time for them to investigate this and remove it from my report. This has been going on for months now. I also received letters from equifax telling me I need to be more specific with my complaint. This is ridicilous as well as I ca n't be anymore explanatory. It 's IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a the same complaint, this is a new complaint with new information attached. 

The last complaint I filed for Identity theft because I did not recognize the accounts on my credit report. After talking with my previous loan servicer, I have new information. 

The attached letter shows my 8 student loans listed under two account numbers that were for IRS tax reporting purposes. Those are the same 8 loans that were rehabbed, they were just housed under those two account numbers and need to be removed from my credit file. 

This is considered double jeopardy. 

attached you will find my rehab letter and my student loan letter from XXXX XXXX XXXX  XXXX # XXXX & XXXX
Product: Checking or savings account

Please refer to my earlier complaint : XXXX on XXXX/XXXX/XXXX. Just now got a letter from BMO harris - they are telling non accurate information. I had sent them the signature card twice - in their provided envelope. How come they are denying that they have n't got it??? That letter from BMO is bunch of lies. there seems to be something really wrong with BMO harris ... please investigate their operations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute  XXXX   XXXX   XXXX  on credit report number  XXXX . The balance listed on the account is incorrect. Please delete the account.
Product: Credit card or prepaid card

My USAA # is XXXX. USAA wrongfully closed 3 of my credit cards. Two of which where part of a cash rewards program. One of the two USAA decided after a year in violation of regulation Z 's billing dispute timeline of 90 days to charge back fraudulent charges which they finalized in my favor previously. Granted the original billing dispute resolution still took a little more than the 90 days provided by law. <P/>Despite the failure to recognize and follow billing dispute timelines set forth by consumer protection laws, I was charged anyway. These charges should have earned the respective 1.5 % cash back on regular purchases and 2.5 % on gash and groceries. Which charge back fit under which category I am unable to correctly determine as USAA has refused to provide the requested documentation or identify the charge backs in any way. <P/>In addition there was a cash back balance due to my on both my XXXX and XXXX cards as part of the cash rewards program. The previous cash back balance as well as the cash back rewards which should have been earned on the charges returned to my card are unaccounted for. The last document I received from USAA stated a {$0.00} cash rewards balance. Yet I have not received the funds, nor any notice of where they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT. OF EDUCATIO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT. OF EDUCATIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT. OF EDUCATIO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX under the direction of Shellpoint create and use fraudulent documents in court. Same documents are also filed into various county land records. This company is not compliant with Foreclosure Laws. 

Shellpoint claims to have no knowledge of the loan being in loss mitigation. I have a letter from Ditech acknowledging receipt dated XX/XX/XXXX. If my file was acquired legally by Shellpoint they would have this information from Ditech. 

Shellpoint claims to have never received my loss mitigation application or even having knowledge of it. However, it was mailed certified, and signed for on XX/XX/XXXX. 

XX/XX/XXXX Shellpoint claims to have servicing rights. 

Did Shellpoint legally acquire servicing rights to my mortgage? They claim ownership of the loan using a fraudulent mortgage assignment. If Shellpoint is a Debt Collector who is the Creditor? The response letter they sent to me states that Shellpoint is servicing the loan on behalf of the owner. Who is the owner. Why are they being so vague. Is it because they have illegally acquired servicing rights from a Bankrupt company. 

No original Note. The note they attached to the file has brass tacks at the top. Shellpoint is servicing a loan they have no right to service. Can they provide a free and clear title when the loan is paid off? Or will they continue to create fraudulent documents, to cover up the fraud. 

There is an assignment of mortgage used by Shellpoint dated XX/XX/XXXX, signed by a robo-signer XXXX XXXX XXXX XXXX XXXX of XXXX. 

XXXX is actually an employee of XXXX XXXX XXXX. How is this not fraud? 

XXXX XXXX has no right to assign any mortgage. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has posted numerous documents signed by this impersonator. 

I have attached : Letter from Ditech regarding loss mitigation Certified green card - dated XX/XX/XXXX Certification from Attorney certifying to have spoken to XXXX XXXX the document Execution Representative for Ditech - XX/XX/XXXX Mortgage Assignment signed by XXXX XXXX as Assistant Vice President of Greentree Mortgage XXXX - XX/XX/XXXX Assignment of Mortgage signed by XXXX XXXX as XXXX XXXX of Ditech XX/XX/XXXX Additional robo-signed documents by XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX and XXXX. 
Letters from Shellpoint admitting to using these fraudulent assignments as proof of ownership of servicing rights.
Product: Debt collection

Today I've received a notice saying that a debt is owed to XXXX. I've only had XXXX XXXX XXXX and XXXX. I only have XXXX currently and my bill is up to date. So where is this coming from when XXXX was never on my credit report? 

If they are claiming I owe {$1400.00} I need the following items MAILED to me immediately : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally
Product: Debt collection

Home located at XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX was up for sale working with realtor and batter on thermostat went dead and caused frozen pipes and major water damage. Could not live in home, and Husband and I did all the water mitigation and had XXXX XXXX XXXX XXXX Adjustor ( XXXX ) come out and survey water mitigation that was done. XXXX approved everything look. XXXX and I submitted a bill to XXXX XXXX and US Bank. US bank is the mortgage lender. XXXX XXXX submitted two checks to XXXX XXXX, XXXX XXXX and US Bank for XXXX ( XX/XX/XXXX ) ( payment for water mitigation per estimate from Service Master ). We did not use service master we did the work ourselves as we were there. Then another check for XXXX ( XX/XX/XXXX) was sent to me XXXX XXXX ( XXXX XXXX ), we tried to cash check for water mitigation to get paid for our work and US bank told us no, they would pay us after all work is done and if there is anything extra left. US refused to cash and it stopped us from moving forward on repairs to get back on market. Whole inside of home was remodeled and painted. Our realtor at the time was XXXX XXXX ( XXXX ) XXXX XXXX XXXX. We are trying to get paid for our water mitigation as US has sold the mortgage to a company. XXXX XXXX stated will reissue me new checks but need to be made out the same and US Bank will not cash and pay us. XXXX XXXX ( XXXX ). US Bank Lost Claims fax  number XXXX Tracking number XXXX Property loss Department XXXX and spoke with XXXX. My name is XXXX XXXX current address is XXXX XXXX XXXX, XXXX XXXX, MN XXXX and current cell phone is XXXX. 
We are currently requesting XXXX XXXX to issue the amount due to us for water mitigation and to release check in our name XXXX and XXXX XXXX.