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

On XX/XX/2023, I received an email notifying me that my Checkings Account with Chime was placed on hold due to unusual activity. The email requested that I provide written explanation, identity verification, and supporting documents in order to appeal this decision. I promptly responded to the email, providing the requested information as per their instructions. Throughout this period, I was still able to utilize my credit card without any issues. However, I subsequently received another email notifying me that my credit card account was also placed on hold. The email directed me to contact Chime Member Services for further assistance. 

Upon contacting Chime Member Services, I was informed that, for security reasons, they were unable to provide specific details about the account closure. Additionally, they stated that they could not review the possibility of reactivating or refunding the account until they received valid documents verifying the deposits made. They requested that I reach out to the source of the funds to verify the deposits and confirm myself as the intended recipient. Simultaneously, they suggested that I review the Chime Deposit Account Agreement. 

I promptly contacted Chime Member Services once again, and they provided me with a secure link to submit additional documentation for identity verification. According to their communication, I was informed that I would receive a response within four hours after submitting the required documents. Additionally, I appealed to Chime Review and was advised that I would receive a response within 24-48 hours. However, it has been three weeks since my initial contact with Chime, and I have not received any updates or information regarding my account status. 

Chime has alleged that I violated the Chime Deposit Account Agreement, although I strongly believe that I have not done so. There have been no instances of unauthorized or suspicious activity on my account. The only actions I took were updating my addresses and attempting to add my XXXX XXXX XXXX XXXX to my Chime account.
Product: Vehicle loan or lease

Timeline of Events XX/XX/year> XXXX XXXX sent via Registered Mail number XXXX  XXXX XXXX XXXX XXXX with Return Receipt Requested to Navy Federal ( Exhibit A ) the enclosed registered security in the amount of {$53000.00} XX/XX/year> XXXX XXXX sent via Registered Mail number XXXX XXXX XXXX XXXX XXXX with Return Receipt Requested to Navy Federal ( Exhibit b ) the enclosed registered security in the amount of {$54000.00} To date Navy Federal Credit Union has not credited XXXX XXXX 's account or returned either security despite receipt of their acceptance of it. I need help determining what happened to these two securities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I've tried to get a fraudulent collection agency account deleted from my credit report. I was notified that a XXXX XXXX collection action for {$1400.00} was listed on my Experian credit report. I called XXXX XXXX and was advised that an account was set up and service provided in Florida using my personal information. I informed them that I never lived in Florida so it was a case of stolen identity, I filed a police report and for the past two years have been trying to get the entry off of my credit report with calls to XXXX XXXX and Experian. I went online and asked to remove all the incorrect addresses from my report. I also noticed that there are XXXX separate entries for the same XXXX XXXX action with three different collection agencies opened on three separate dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This has made the process of removing the false information even more difficult. I've provided Experian and XXXX XXXX with all the information to prove the identity theft but the fraudulent delinquency remains on my credit report. 

I appreciate any help you can provide to clarify this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX  XXXX Balance : {$5500.00} ; XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX XXXX XXXX : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX : {$1600.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Student loan

XX/XX/2022 - I logged into my Navient account to check on my loans. Currently, one of my loans is for XXXX XXXX. I wanted to see if anything was happening with the loan being forgiven. When I checked my loan details Navient has changed the name of the school to another school I attended 3 years later. 
I called them and confronted them about it as I believe this is blatant fraud and an attempt to ensure the loan does not get forgiven by changing the name of the school. 
After spending close to an hour on the phone I was told that the supervisor looked back at the account and that it was indeed an error and they would fix it. 
I asked for a reference number or anything I can use to refer back to and was told they don't do that and it would be a couple of days before it gets fixed. 
I believe they did this in order to prevent my account from getting flagged for forgiveness and seems to be a pretty clear case of attempted fraud because if I did not regularly check my account I never would have noticed that and my account would never get flagged as an XXXX XXXX loan and be forgiven.
Product: Credit card or prepaid card

Someone has been using my credit card for XXXX purchases without my knowledge. There are about 127 unrecognized XXXX transactions on my credit card from the beginning of XXXX to XXXX that I recognized on my credit card. These charges did not show up on my XXXX account and were not recognized by any family or friend asked. All the unrecognized transactions added up to about {$6300.00}, all classified as XXXX purchases. After reporting credit card fraud to my credit card company, they closed my credit card and temporarily lifted the charges for those unrecognized transactions. After the credit card company 's fraud department reviewed my dispute, they concluded that I received benefit from this transaction, which I know I have not. I contacted XXXX XXXX  and they found that a separate account has been using my credit card. I submitted another review for the same fraud case to my bank. This time, the credit card company also knew the separate account name that had been using my card and knew the address to where those XXXX deliveries were being sent to. After a second review by my bank 's fraud department, they still concluded that I received benefit for those transactions and closed my dispute. I have records of all my interactions with XXXX and all the unrecognized transactions made on my credit card. I contacted XXXX XXXX  again about my situation, and they said before they could proceed with the transactions records of all my unrecognized purchases, they needed additional documentation to verify my identity and the claim of fraud or identity theft. XXXX XXXX  even found the account holder 's name that make all these charges. XXXX requested an identity theft affidavit prepared in conjunction police report and a copy of the police report regarding this incident. My local police dept took too long to get a case number for my report, so the identity theft affidavit from XXXX expired. This is during the Holidays and Covid time and they have shortened the lobby time at the police department. I showed my bank account my XXXX transaction history with screenshots and my account info, but after disputing again, they once again concluded that I received benefit from those transactions. At this point, I don't know what else I need to show my bank account to prove that I did not make those transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my ID stolen in XXXX OHIO and I have several accounts and address on my credit report that are not mine. I was in the hospital with XXXX XXXX I was XXXX for two weeks in a XXXX and was unable to attend to my personal affairs. Someone had access my ID and SS and used my personal credit to open up accounts. Please remove the following addresses they are not mines : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX THE FOLLOWING NUMBERS ARE NOT MINE : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX THE FOLLOWING ACCOUNTS ARE FRAUDULENT PLEASE DELETE : XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX  XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received a call from on XX/XX/19, the person was claiming to be from JP Morgan Chase bank fraud department. I ask them to identify themselves they sent me a link to confirm I am speaking with a chase representative, they also we over the last XXXX transactions and the merchants. She then went on to say the reason for the call was because someone attempted to use my debit card ending in ... .at a XXXX. I said how I am in possession the card. She said not sure we just need to order you another card. She said will take XXXX business days, but with a charge of {$5.00} I can get it in 3 days. I told her yes I want that option. Then on XXXX  I believe it was the same person called said they need XXXX to set up fraud alerts so this doesn't happen again., Then while on the phone with her I get notification pop up do you authorize {$6300.00} withdrawal. I screamed and told her what is this what is going on then call drop. I checked my online, and exact funds were taken out. I rushed to the nearest Chase branch which is my locate branch in XXXX FL it is on XXXX and XXXX, XXXX XXXX XXXX. I spoke with representative banker XXXX XXXX, who confirmed that I have been scammed. A debit card was active and sent to XXXX, FL. I had to open a compromised new checking account. I do not even know anyone that lives in that area. I begin to cry hectically. I filed a claim, and a police report and it is being looked into, I had to give my employers the new checking account to update. Now, I am broke, maybe put out my apartment, my entire paycheck gone. I am single mom no government assistance trying to feed my child.
Product: Credit card or prepaid card

Paid my Credit Card Bill on XXXX for XXXX it was due on XXXX. I paid it on line through my checking account I have with Chase Bank. Transaction went through on XXXX. When you hit make a payment they only give you one option. Pay with XXXX. So I used it thinking it would go through as it was a direct payment from my Chase Account to Chase, no third parties involved. I double checked it went through it posted to my account on XXXXSo then I get a bill in the mail for XXXX. They said it was late charged me a XXXX late fee which is 58 % on the original bill I owed which is ridiculous also .80 interest. I think this is a scam to make your payments late as they do not give you any other options to pay your bill. I never even use this card except for once a year to pay for on line security. I called Chase at the number listed on my new bill and spoke to a representative I explained my situation he said too bad were not taking it off. So I cancelled the card and will be closing all my accounts with Chase. Sorry XXXX. This is a scam just like XXXX XXXX and XXXX. Check my credit I have a perfect payment history now XXXX wants to ruin that too!!!
Product: Debt collection

Portfolio recovery is currently trying to collect medical debt from me. My credit report is reporting three different days last active. 
XXXX. XXXX XXXX. XXXX XXXX removed for errors This can not be correct, as the day last active would affect the day the account would naturally drop off.
Product: Mortgage

My mortgage loan with XXXX was transferred on XX/XX/22 to Shellpoint ( New Rez ) with only XXXX weeks notice. I am currently receiving assistance with 18 months of forward payments from the XXXX program which they are aware of. Furthermore, I do believe this is the reason behind being transferred to their affiliate company. However, I did reach out to XXXX and advised them of the transfer and provided them the letter received. My loan # XXXX remained the same. My payments are supposed to be trans to Shellpoint for up to 60 days received to XXXX. The payment from XXXX for XX/XX/22 has yet to be sent to Shellpoint causing me to fall delinquent. I am very concerned as this is ultimately in my opinion the reason they transferred the mortgage., to cause more issues. I have heard Shellpoint is their affiliate company who handles delinquent mortgages. XXXX payment was sent out on XX/XX/22 and has yet to be posted or trans from XXXX and XXXX payment will be sent out on XX/XX/22. No explanation from Shellpoint as to why or where. No information pertaining to XXXX  assistance was related to Shellpoint.
Product: Credit card or prepaid card

XX/XX/XXXX - XXXX PM - I paid XXXX XXXX {$2500.00} for their moving services. 

XX/XX/XXXX - XXXX PDT - I emailed support that I needed to dispute the charge of {$2500.00} to XXXX XXXX The owner contacted me and cancelled. He said that he never received the {$2500.00} so he was not going to complete my move. He wanted me to send him an additional {$2500.00} on top of the {$2500.00} I had already sent. I started to feel like this guy was a scam artist and that is why I reached out immediately to dispute the charge. 

XX/XX/XXXX - I sent a follow up email to coinbaseXXXX XXXX  XX/XX/XXXX XXXX I sent a follow up email to Coinbase/XXXX XXXX XX/XX/XXXX - XX/XX/XXXX 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 XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX All of these dates I have reached out and no one can ever give me an answer. A few times they act like they cant find the claim. I have been given multiple claim numbers. I cant get a human on the telephone. This is AWFUL customer service! 

Case # XXXX Case # XXXX Case # XXXX Case # XXXX Case # XXXX
Product: Student loan

I make payments to American Education Services twice monthly. I have numerous loans both Federal and Private that they service. I make the payments in full that are listed on my account on their  website. I continue to get Past Due notices from a collection agency saying I have " {$0.00} '' or a negative balance Past Due. How is a negative or XXXX balance Past Due? I received notice in XXXX 2016 that they misapplied my payments after I did a short term deferment, however, I continue to get Past Due notices for no balances. If I am paying my payments in full every 2 weeks, how can I even have anything past due unless they are continuing to misapply my payments. I have contacted them on numerous occasions getting different answers, saying I need to specify what loans I want to pay with each payment or that they will look into it. I have done all of their suggestions and continue to get these ridiculous past due notices from a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are inquiries I do not recognize and i have asked for them to be removed several times and in accordance with the Fair Credit act this violates my civil rights. 

XX/XX/XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I applied for a refinance of my mortgage on XX/XX/XXXX. I was approved for the refinance and worked with the new lender to obtain the required documents. During their review, they found that Bank of America had a lien on the property from a home equity line of credit dating back to XX/XX/XXXX when I first purchased the property. This lien should have been released in XX/XX/XXXX/XX/XX/XXXX when we arranged a line of credit, also from Bank of America. I initially tried to contact BOA by email on XX/XX/XXXX. BOA replied that I would need to go in person to a branch to resolve this issue. I went into the branch at XXXX in XXXX on or about XX/XX/XXXX. XXXX, the branch manager was very helpful in attempting to resolve this issue. However, the mortgage department which needed to complete the removal of the lien was not as responsive. I was told that the mortgage department required 7 - 10 business days to resolve an issue. The first document which they sent, a discharge of mortgage, was for the wrong lien. They did not provide this immediately but rather required that I wait for it to come in the mail. Eventually, XXXX received a copy and provided this to me and I realized that it was the for the wrong lien. We had to start the process over again. Again, I was told that this would require a 7 - 10 day wait. I was given the name XXXX as the individual in the mortgage department who was working on this. I attempted to contact him directly but he was on vacation. I finally reached him and he told me that I needed the BOA work order number for him to be able to help me resolve this problem. I eventually received the release of lien on XX/XX/XXXX. I am writing to complain because my pending mortgage was subject to a rate lock. This lock expired on XX/XX/XXXX. Because the lock expired, I was required to pay {$2100.00} in order to obtain the originally agreed upon rate on the new mortgage. This delay was due to Bank of America 's inefficiency. I would like for BOA to reimburse me for the increase I had to pay to obtain the lower rate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block, inc. ) due to inadequate customer service and unfair practices, which violates customer financial protection act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable in unprotected. Furthermore, they dispute resolution process was unfair and deceptive, as they did not comply with error resolutions requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is inaccurate fraud account and shall delete from my credit report by LAW. 
This account number XXXX with a balance of {$27000.00} shall delete as agreed by the creditor. 
This is not my account and the creditor agreed to delete it.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been established that you are not interposing 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 XXXXXXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$170.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$68.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries on my report
Product: Debt collection

Subject : Unauthorized Access and Collection Account on My Consumer Report Dear BullCity Financial Solutions, I am writing to bring to your attention a matter of serious concern regarding the access and reporting of my consumer information by your agency. It has come to my knowledge that BullCity Financial Solutions has gained access to my consumer report without obtaining my written permission, which contravenes the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under Section 604.

Furthermore, a collection account has been added to my consumer file without my authorization, violating my rights as per Section 623 of the FCRA, which stipulates the responsibilities of furnishers of information to consumer reporting agencies.

This unauthorized access and addition of a collection account constitute a major breach of my privacy and raise serious concerns about potential identity fraud, as outlined in Section 621 ( a ) ( 2 ) of the FCRA, which emphasizes the importance of protecting consumer privacy. 

In addition to federal law, I want to highlight relevant sections of South Carolina state law. Pursuant to South Carolina Code of Laws Section 37-5-108, it is unlawful to engage in unfair or deceptive acts or practices in the collection of debts, including any conduct that may jeopardize the privacy or welfare of a consumer.

Furthermore, under South Carolina Code of Laws Section 37-5-104, creditors and debt collectors are required to provide accurate and complete information to consumer reporting agencies, ensuring the integrity of consumer credit reports. 

I would like to emphasize that, even in the case of a permissible purpose, consumer consent is a necessity, as per Section 604 ( a ) ( 3 ) ( F ) ( i ) ( I ) of the FCRA, which I have not provided in this instance.

I firmly assert that this collection account is unverifiable due to the lack of my written consent for its presence on my credit report. I request that, within 30 days of receiving this letter, BullCity Financial Solutions promptly removes this collection account from my consumer file and expunges all of my personal data from your database, as mandated by Section 611 ( a ) ( 1 ) ( A ) of the FCRA.

Additionally, I expect BullCity Financial Solutions to communicate appropriately with the credit bureaus to ensure the deletion of this item from my credit report, as per Section 611 ( a ) ( 2 ) of the FCRA. Following the resolution of this matter, I request that all third-party communication and furnishing of my information cease immediately, in accordance with Section 604 ( a ) ( 3 ) ( F ) ( i ) ( II ) of the FCRA.

Failure to comply with these requests within the stipulated 30-day timeframe will be considered willful noncompliance and may result in civil accountability for BullCity Financial Solutions , as provided under Section 616 of the FCRA. 

Done in good faith.
Product: Debt collection

Claiming a higher value than was verbally given by the apartment management. As well as a debt that I have never seen or been informed that was to be paid. They continue to harsh and call without sending any follow up documentation.