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

I have a checking account with Chime Mobile Banking. I have been fighting several charges for fraud since XXXX of 2023 totaling over {$4000.00}. I have submitted large amounts of evidence and a police report but all my claims have been denied with no explanation. The only person you can talk to with the bank is customer service which is outsourced to XXXX. They do not understand my issue, they just try the same thing every time, and they are never able to give me information over the phone. All the information that I get regarding my claim is sent to me via email and all it says is that it was denied, and when I try to reply I dont get a response. My account is FDIC insured and all these charges and made out of the country, by fake companies, yet despite that and all my evidence, they deny it with no explanation and I have no way of fighting their decision as I can only talk to one person about my issue. On top of that, they are extremely negligent and at this point corrupt, as half of the time I am hung up on, put on hold for over an hour just for the call to drop, or I am told simply that the customer service rep just isnt going to help me because they dont want to or they are tired of me. And there is no way to fight this as there is not a single other phone number for chime other than the customer service number. Please feel free to contact me by phone if more information is needed, I just dont know what other options I have. Thanks.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX SSN : XXXX LexisNexis XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Request for Removal of Inaccurate Information Dear LexisNexis, I am writing to formally request the removal of inaccurate items from my consumer report. After reviewing my report from XX/XX/XXXX, I identified data that I believe is incorrect. This letter is to request your assistance in investigating and removing these items. 

As a consumer reporting agency governed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., LexisNexis has a legal obligation to ensure that all information in consumer files is accurate and free from errors. Specifically, under federal law, you are required to : 1. Follow reasonable procedures to assure maximum possible accuracy of information in the consumer report, as per 15 U.S.C. 1681e ( b ). This section requires consumer reporting agencies to achieve a high standard of accuracy, as demonstrated in cases like Burke v. Experian Info. Sols., Inc. , where the court highlighted the strict requirements for assuring maximum accuracy.

2. Comply with investigation requirements under 15 U.S.C. 1681i when a consumer disputes the accuracy of their report.

3. Restrict the provision of consumer files to entities that have a permissible purpose, as required by 15 U.S.C. 1681b.

4. Provide consumers access to their own file, as outlined in 15 U.S.C. 1681g.

Please provide verifiable documentation, such as the original contract or similar evidence bearing my signature, for the items listed in the attached Exhibit A. Under the FCRA, if you can not provide documented and verifiable proof, you must remove all unverified, invalid, or derogatory information from my report.

Upon completion of your investigation, please send a detailed description of the procedures used to verify the accuracy of the items I am disputing, along with the name and contact information of the representative handling this case.

Once corrections are made, please send an updated copy of my report. Thank you for your attention to this matter.
Product: Checking or savings account

I filed a complaint of fraud with Chase because I lost my phone and debit card about a month ago and it was used to withdraw funds from my bank account and I did not authorize any of the transactions. Chase did not provide me with conclusive evidence of why they denied my claim or dispute and appeal. The unauthorized transactions happened on XX/XX/XXXX and it totaled to be around almost {$28000.00} that was wiped out within a one hour timeframe. I believe it was an inside job and Chase is trying to cover themselves for not holding responsibility of allowing this to happen to me, and they do not want to be holding themselves accountable for breaking protocol. I will be getting a lawyer and taking them to court to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to each of the TransUnion on XX/XX/2022 via certified mail. This is the tracking number for the letter XXXX. The letter was sent to the credit bureau so they can investigate the inaccurate information on my credit report and delete or correct the disputed items that are listed in each letter. According to the Fair Credit Reporting Act Title 15 U.S. Code 1681 et seq., and the Code of Federal Regulations Title 12, Chapter 2, Part 222 et seq. inaccurate information and discrepancies should not be on my credit report. Also according to 15 U.S. Code 6802, I have the right to privacy and my nonpublic personal information is not supposed to be disclosed to any nonaffiliated third party.The attached documents will show that my Federally protected consumer rights have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and HSBC Bank. The Account Opened is HSBC Bank Account Number : XXXX Date Opened : XX/XX/2020 Balance : {$27.00}, XXXX. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXXXXXX {$12000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7000.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$2200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$960.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$120.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Statement Regarding Harassment and Illegal Practices by Midland Credit Management ( MCM ) Subject : Harassment, Illegal Collection Attempts, and Privacy Violations by Midland Credit Management ( MCM ) Details : 1. Continuous Threats and Harassment : Midland Credit Management ( MCM ) has consistently contacted me regarding an alleged debt that I did not sign for or authorize. Despite my repeated attempts to clarify the situation, they have continued to send threatening notices, including warnings of potential legal action.

These threats are causing undue stress and XXXX as I have no knowledge of this debt or any obligation to pay.

2. No Legal Paperwork or Proof : MCM has failed to provide any legally valid documentation proving that this debt belongs to me. I have not signed any contract, agreement, or authorization related to this alleged debt, nor have they provided verification as required by the Fair Debt Collection Practices Act ( FDCPA ).

I believe their actions violate my rights, as they are attempting to collect on a debt without proper validation or proof.

3. Illegal Collection Practices and Privacy Violations : I have strong reasons to believe MCM has illegally gathered and used my personal information without my consent. This is a serious invasion of my privacy and a violation of federal and state consumer protection laws.

Their continued contact, despite my lack of agreement and evidence of the debt, appears to be a deliberate act of harassment.

4. Pattern of Misconduct : MCMs actions reflect a pattern of intimidation and illegal debt collection tactics, including : Failing to provide written verification of the debt.

Issuing false or misleading threats of legal action.

Contacting me using personal information that they may have obtained unlawfully.
Product: Credit card or prepaid card

Dispite repeated calls American Express continues to email me information for another user. 

Ive contacted them asking them to fix and stop emailing me for the other user but the emails continue. 

Im sure the user would file her own complaint if she knew I was getting details about her account.
Product: Debt collection

Collection account posted on my credit from an account I've never had. Portfolio recovery has been contacted and asked to verify the debit and refuse to do so. 

Portfolio Recovery Associates XX/XX/2020 {$1900.00}
Product: Mortgage

I am a XXXX veteran. I request that a federal or state financial regulater conduct a thorough examination into my loan under ocwen, as well as when my loan was with litton. There are deficiencies in loss mitigation and loan modification process.charging unathorized fees for default related sevices.Deficiencies in how my loan was underwritten and serviced.Providing false or misleading reasons for denial of loan modification under hamp.Misdated letters and correspondence thats not clear understanding causing loan to default. XXXX 2012 modification qualified under hamp and should have been permanent, not " XXXX '' this practice of bait and switch is not helping home owner and is not removing the toxisty out of this toxic mortgage.This practice of denying me an affordable modification is contrary to the spirit of the Making Homes Affordable Act, and in non-compliance of the National Mortgage Settlement Rule.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain unauthorized inquiries listed on my credit report. I am a victim of a data breach, and the inquiries detailed below were made without my knowledge or consent. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent inquiries from my credit file : Fraudulent Inquiries : XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> 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

Last month a complaint was filed on XXXX XXXX XXXXXXXX and Transunion for reporting false credit information. My credit card has a {$200.00} limit and I used less than 28 % of the credit limit and within 3 days it was reported to Transunion and my score was lowered by XXXX points. I filed a complaint last month with proof of the credit being lowered. After it was lowered I paid approximately {$40.00} towards the balance and now 8 days ago Transunion lowered my credit another XXXX points. The credit payment was not due until XX/XX/.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES TRANSUNION, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED XXXX XXXX XXXX, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXXXXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED XXXX XXXX XXXX, which outlines the permissible purpose of consumer reports. I have requested Form XXXX from XXXX  XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE XXXX BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. XXXX ) XXXX Balance : {$890.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

i received a call for my husband company states capital link management. said that I have a past due amount which was not covered by my deductible for my husband in 2017 and it hit collection in XXXX of XXXX they wanted XXXX said that in 30 days it will hit my credit report. i said i have never received an invoice, she said we sent it to you. i said well please send me a statement. they said they would email it to me. they emailed it said nothing more than original creditor which i do not know, reference number and creditor acct number. i called and said i needed a statement of what the payment was for ie who was it from and what was the date of service. they said we sent it to you. I said this is from 2017 i hope you understand that I am not going to pay it without researching. they said we are a collection agency and we don't have that information you can pay now or it will go onto your credit and you will owe XXXX. I said, maam i will pay it, I just want to research it. do i call you back, she said i was rude and if i didn't pay now, they would just send it to be on our credit report. How am i supposed to know if this is real or not? when i called the company, they just said hello... i said who is this and she said capital management... she knew my social number, address my husbands social... email was " XXXX XXXX '' XXXX of who sent my statement to me.
Product: Credit card or prepaid card

I have previously filed CFPB complaints # XXXX & XXXX against Discover. Discover replied and I have left messages for a return call as directed in their letter. For 3 years I have contested the cards as stolen because of identity theft. But that was repeatedly denied so I brought up new evidence that the payments were made fraudulently under an account that was not mine. Discover continually states the accounts were mine so I sent an affidavit. Now Discover requests new evidence reflecting payments made on my account were fraudulent that allowed the credit limit to be exceeded. However Discover possessed or possesses this information. This is information that should have been researched in 2017. And this evidence should not have been destroyed or lost.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted claim earlier and noticed on my report that the original creditor that reported such debt of highest balance XXXX is already on my credit report and been closed since XXXX. there are many violations being made here by XXXX XXXX first of all i do not have a loan with this company world finance I have disputed this in the past back in XX/XX/XXXX when this affected my credit score with equifax taken my score down nearly 70 points and now 8 months later on my XXXX  it has taken my score down 83 points they have Never ever contacted me once about this and futhermore this should not appear on my credit twice whith different open and close dates and appear on my credit as i opened a New Account Really????? how a new account that states 5 years do the math people and says closed XX/XX/XXXX when it clearly says closed XX/XX/XXXX XXXX report says XXXX another XXXX and another one XXXX all different two with XXXX  XXXX  the original creditor and then now XXXX  XXXX  who is putting stuff illegally on my report they have done this twice now have not contacted me i will attatch two seperate sheets one had a contact one has no contact info from the last time they destroyed my credit and it took awhile to bring it back from XXXX and now I have a phone number but they have done this again this needs to come off my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for employment at XXXX XXXX in XXXX, Nj, I was told a background check was to be conducted after I was offered employment. The company by the name of " First Advantage '' showed on their report that they did a search between the dates of XXXX, In their report came up criminal charges from XX/XX/2015 and another one from XX/XX/2015. If the background check only checked for the dates between XXXX how are things from XXXX ( which is eight years old ) showing up when legally the maximum amount of time for jobs paying under {$75000.00} a year is 7 years?
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, In the results of your Third investigation, you stated in writing that you verified that this item ( XXXX XXXX  ) ( STATES RECOVERY SYSTEM INC ) and ( XXXX  XXXX  XXXX  XXXX  ) is being reported correctly? with XXXX INCONSISTENCIES reported on this account how could you verify it? Who verified this account? This is not a request for VERIFICATION or proof of mailing address but a request for VALIDATION made pursuant to the above-named Title and Section. Now, I respectfully request that XXXX  provide me with competent evidence that I have any legal obligation to pay this debt OR DELETE THIS FRIVOLOUS ACCOUNT IMMEDIATELY 1. ) Please provide a valid basis for the debt, such as the original contract/agreement, the promissory note between Consumer and original creditor, bearing Consumer wet-ink signature ; 2. ) Please provide the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as XXXX XXXX  balance sheet ( XXXX # 's XXXX, XXXX, XXXX XXXX, XXXX XXXX report, XXXX registration statement, XXXX prospectus, XXXX, and XXXX call schedules ;
Product: Credit reporting or other personal consumer reports

After reviewing my credit report in 2024| noticed several unfamiliar accounts and a large loan I hadn't applied for. At first, I thought it was a mistake, but after contacting XXXX XXXX XXXX, the truth hit someone had stolen my identity. The thief had used my personal information to open credit cards and rack up thousands in debt. I felt violated and overwhelmed, facing months of sorting through fraud claims and trying to repair my damaged credit. What seemed like a routine check turned into a nightmare of nancial recovery and stolen trust. Finally accounts were removed except this One in particular XXXX credit card, in the amount of XXXX dollars Account Number : XXXX thief created an falsified email, home address, phone number and also made payments to legitimizer the XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A m o u XXXX t : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/year>
Product: Checking or savings account

someone opened up bank accounts in my name and now im unable to open any bank accounts im an victim of identity thief
Product: Money transfer, virtual currency, or money service

My Aunt went to XXXX XXXX XXXX firm and had an XXXX XXXX matters book formed in the event she became cognitively incapacitated. Well that is exactly what happened. I obtain ed a Lawyer : XXXX XXXX XXXX, XXXX. ( XXXX ) XXXX. I had XXXX send all the paperwork again with my POA financial for her and She put me in her Estate Matters as her Living Trust for all her Financial matters as well. Citi bank still refuses to release her money to me and wants me to go to XXXX to sign a paper for them to release her money to me. I live in XXXX, MN. and have no one left in XXXX, Il. The paperwork is all in order and I want to send the money from Citi Bank to a shared XXXX Bank account of me and my aunt so I can keep paying her rent in the assisted living facility where she lives here in Minnesota. They even refuse to fax paperwork to my lawyer for me to sign and send back. What am I to do. I can not go to XXXX to sign a paper, besides my Aunt had her Estate Matters paperwork filled out by Lawyer XXXX XXXX in XXXX and it cost my Aunt {$800.00} to have that made up?
Product: Credit reporting or other personal consumer reports

Im filing this report today because I was the victim of identity theft. An individual, entity, company or corporation has opened accounts without my knowledge. They enriched themselves on my credit without my knowledge, consent or authority. The following accounts are tied to the identity theft and are in such fraudulent. I need the following account ( s ) removed or blocked from my credit report. Im aware that filing a false identity theft report opens me up to possible criminal & civil penalties. I understand under the penalty of perjury Im liable for such statements. This statement is my factual understating of the events : Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I make bi-monthly payments along additional payments towards principle. Wells Fargo bank has not applied the additional payments in a timely manner and placed additional payments in escrow. Fed up I paid off my loan on XX/XX/2021. After months of calling for my home title I'm still waiting. 
Wells Fargo does not act in good faith, and I really have concerns with payments and how and when they were applied. 
I'm still waiting on getting my home paperwork.