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

I am writing this in regards to the identity theft and mass amounts of unauthorized transactions that took place on my account with Chime a financial institution under The XXXXXXXX XXXX, that took place on XX/XX/2023 beginning at XXXX when I received a notification stating there has been changes made to my account. I immediately contacted member services at precisely XXXXXXXX XXXX informing them I did not authorize this action. During my hour and forty five minute phone call I was transferred back and forth between multiple representatives meanwhile my account was being compromised with unauthorized transactions starting at XXXX and continuing until my accounts were empty. Totaling XXXX unauthorized transactions all paid out to 3 different aliases on XXXX XXXX resulting in a total loss of {$10000.00}. 

I filed the first dispute on XX/XX/XXXX which I was lead to believe was for the total amount much to my surprise when I called member services to check the status of my dispute and account on XXXX XXXX to find out that dispute number was only covering the first 15 unauthorized transactions totaling {$3300.00}. At this point I had to file 2 new disputes for the remaining charges. Only to receive a email notification on XX/XX/2023 stating after careful review of my account Chime had decided to end their relationship with me, and my account will be closed as of XXXX XXXX. I maintained contact for the next few days hoping to get a resolution before the closure but never received a direct response for what was going to happen to my disputes I filed for the unauthorized transactions in the amount of {$10000.00}. 

I then received notification on XXXX XXXX after the account was closed that my one of the three claims for the unauthorized transactions has been denied. Followed by an another message stating that the second of the three claims in fact was approved for the unauthorized transactions that took place during the call with Chimes member services department. The first claim that was denied was in the amount of {$6700.00} and the second claim Chime approved was for the amount of {$59.00}. That leaves the final claim for the remaining amount of {$3300.00} which I still have not received any updates or outcome on. How can Chime deny the majority of the fraudulent charges and only take responsibility for {$59.00}. Why was my I initial inquiry and disputes not all covered under the same claim number since the phone number used during these unauthorized transactions was the exact same phone number used in the unauthorized transactions in the claim for {$6700.00}. I never received a response on the third claim. Now being extremely disappointed in how Chime has wrongfully handled the situation against regulation E and ETF guidelines leaving me a single mom of two young boys in major distress due to financial fraud. I reached out to my local law enforcement creating a report on XX/XX/XXXX which then lead me now to seeking your help in resolving this matter.
Product: Credit reporting or other personal consumer reports

This is my multiple 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 XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3400.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They've taken the employer XXXX off twice now and they keep putting it back on. I have never worked for XXXX. You can investigate this with XXXX. They will tell you the same thing.
Product: Debt collection

Portfolio Recovery is trying to sue me and using illegal tactics and false representations. Case number XXXX in Maryland XXXX XXXX XXXX  XXXX XXXX. They claimed I was evading service and were granted a motion for XXXX XXXX on XX/XX/XXXX. I was not evading anything. Then on XX/XX/XXXX requested a summos renewal after it expired because they failed to even try to serve alternatively. Then on XX/XX/XXXX they claim I signed the service and they filed with the court which was completely untrue. Portfolio Recovery calls me all the time from strange different phone numbers. 

I found out the CFPB took action against Portfolio Recovery in XX/XX/XXXX for violating practices and illegal debt collections. Although my court case is still open I have been a victim of these unfair practices and want to hold them accountable. Why on earth would I allegedly " evade '' service for 3 years then randomly " sign off '' on the service? I was home that day and no one ever came or dropped anything off, they literally forged my signature and swore under oath it was valid.
Product: Mortgage

Dear CFPB : Submitted Taxes Return for 2016 IRS sent letter stating we owed + {$4000.00} more dollars. 
IRS stated in default if not fixed immediately. 
Trying to set up payment plan with IRS, will not until 2016 is resolved Called Wells Fargo, working on it. 
Wells Fargo applied Lates Fee 's to a Mortgage Credit Refund, which DI NOT result in a check refund, but did alter out tax return. 
Required to fix IMMEDIATELY or IRS will put LEAN on house.
Product: Vehicle loan or lease

I did a lease buy-out with Hyundai Motor Finance in XX/XX/XXXX. I received my title but upon when I visited the MN XXXX, they said I needed a taxes paid form along with a corrected title as they advised me to write an incorrect amount on the wrong line on the back of the title. I have been calling XXXX Customer Service since XX/XX/XXXX to resolve this issue and receive the forms. I am told time and again, in XXXX days I will receive the forms and never do. This is repeated again and again for months. Fast forward to XX/XX/XXXX and I am in car accident and my car is totaled. I can not receive the payout for my car because XXXX has yet to send me the corrected title and certified taxes paid form. I called again on XX/XX/XXXX and spoke to a supervisor XXXX who essentially told me that all customer service agents had lied to me over all these months as they do not send these forms without a WRITTEN request! This is the FIRST time I had been advised of this. I got off the phone and promptly emailed XXXX the requested information ( I just realized on the letter I have XXXX, a typo on my part as it is XXXX ). I called again on XX/XX/XXXX as I had not yet received confirmation of receipt of the email nor anything in the mail. I spoke to supervisor XXXX who told me that there is not a number to call to contact titles nor could he tell me had the information been received. He only said he will send an email and I would have to call back. It is now XXXX XXXX and I have not received any email or mail correspondence or documents. I called customer service again and after holding for XXXX minutes for a supervisor she told me that no supervisor would answer the phone and they must be closed! How can anyone solve issues when no one takes responsibility nor action in solving issues for customers?
Product: Mortgage

Forbearance In XXXX of XXXX, I started a forbearance under the CARES ACT since I have a USDA loan and I was not working my full hours due to COVID-19. I was told by the person initiating the forbearance that once it was over the bank would either put the payments at the end of my loan or help us come up with a payment plan to repay the payments missed. The forbearance ended and I made my first payment XXXX of XXXX. I spoke with someone from BB & T trying to get things figured out on how we were to repay. I was told I to make my current payment every month until the bank figured out how I was going to repay the forbearance. I was sent a package in the mail to apply for a forbearance. I called them and told them I didnt need to apply for one we were trying to figure out what we were supposed to do concerning the payments missed. I was told that was the paperwork I needed to fill out. I filled it out and sent it in. I received a letter stating that I forgot to send in one of the pay stubs requested. I found the paystub and sent it in. Some time passed and I received a letter saying my forbearance request was denied. I called again and was told that someone had put it in the computer that I was applying for a forbearance. They said they would fix it and send us out more paperwork to fill out. It was the same paperwork and I was told that I still needed to fill it out so they could figure out what my repayment options were. I filled everything out and sent it in. I got a letter saying that I was missing a paper, even though I filled everything they sent and mailed it to them. I was sent a letter saying they could not verify my income even though I sent in more paystubs. I called again and was sent out the same paperwork. I filled it out, and mailed it to the address they gave me. I received a letter in the mail with a check in the amount of the house payment I had made in XXXX and I called them. I was told they never received my paperwork and they had closed my mortgage account. I asked her what was the address I am suppose to send the paperwork to and she told me she did not know. She then told me I had until XX/XX/XXXX to pay the entire past due payments from the forbearance including fees and interest ( {$10000.00} ) plus an additional {$700.00} to reopen my account and any payments missed since the closing of my account. My payments during the forbearance was about {$560.00}. I have made every payment on time since the forbearance ended with the exception of the payment they returned ( XX/XX/XXXX ) and the one they refused to take ( XX/XX/XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to use the XXXX to get my Equifax credit report since the beginning of the year but failed. After I entered my personal information as instructed and chose Equifax, XXXX redirected me to Equifax website. Equifax then further required me to put my name and contact info to verify my identity. However, Equifax says " its system can't process my request '' after that even though I could verify my information was correct on Equifax 's own portal or customer care representative ( CSR ). The request for Equifax credit report worked in last year and before but it stopped working earlier this year. I contacted Equifax to report this issue on XX/XX/XXXX. The CSR could not figure out the reason and solve it. I requested to open a ticket but I still have not heard anything. And the problem persists. 

I filed my CFPB complaint on XX/XX/XXXX, and got a response from the company. The company never addressed my concern regarding the technical issue through CFPB or phone call through their customer care. Instead, they just sent a paper copy to dismiss my complaint. Last year, their rep offered the paper mailing and the paper copy never arrived at my address. My critical personal info was further exposed to some random people due to mailing of paper copy. That's why I would like Equifax to fix the website issue so I can get my report electronically as it is supposed to. 

The company didn't fix their website portal error when I use annualcreditreport.com to request Equifax report. Instead, they just sent a paper copy. 1 ) Paper mail of credit report is not safe since the last report in XXXX got lost by post office. 2 ) Paper copy is bad for our environment, not eco friendly. 3 ) Does that mean, I still have to file a CFPB complaint each time to get an Equifax report? Why not resolve the issue fundamentally? The company either did not even read the complaint, or on purposely ignore the root cause of the issue.
Product: Checking or savings account

On XX/XX/2021 I received two emails from Truist Bank that a new user ID was created and was associated with an online checking account, even though I did not open any account. I drove to the nearest branch office and they closed the account and flagged it. According to their records, the person that opened the account used my name, address, date of birth, and social security number.
Product: Bank account or service

I signed up for a Citigold XXXX XXXX XXXX Promotion and I was told by a number of citi employees that I was confirmed to be eligible for the bonus. I have even payed fees associated with the account in anticipation that I would be receiving the bonus. I have attached here proof representative stating that I would be receiving the bonus once I met the minimum requirements which I did meet. Also a in branch representative, XXXX XXXX XXXX, at Citibank , N.A . XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, assured me in person and by voicemail that I would be receiving the XXXX Miles. The representative was very kind and thoughtful. However, I still have not received my XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, my then fiance and I got a home loan from XXXX. It was a 7 year, interest only loan, with escrow for taxes, homeowners insurance. XXXX XXXX XXXX took over the loan in XX/XX/XXXX, I think. The paperwork only had my name on the loan. I brought the original court stamped documents to The mortgage department of XXXX XXXX XXXX. They refused to correct their mistake. Fast forward XX/XX/XXXX.  My fiance and I broke up. I hired an attorney because my now x who was still living in the home refused to agree to sell the home. And split the equity. We went to mediation, where, upon my moving out, I would get {$20000.00} and he would attain his own mortgage within 6 months. I had put a $ XXXX down payment on the home, but agreed to the $ XXXX just to get away from him. In XX/XX/XXXX, the loan converted to an arm. Homeowners insurance with Florida XXXX was part of escrow. Each year, from XX/XX/XXXX to  XX/XX/XXXX, the annual homeowners premium increased and XXXX XXXX XXXX never increased the escrow. I requested an annual annalysis. Instead, after they paid the shortfall for the insurance, XXXX XXXX XXXX began reporting the mortgage payments as " late ''. That continued to be reported on my credit until XX/XX/XXXX, when the home was sold by his family one year after his death. Oh yes, and 1.  They never told me he died, and 2. They stopped paying the mortgage after he died. In XX/XX/XXXX, his son paid the back mortgage. XX/XX/XXXX, the home was sold, for a profit. I received an additional $ XXXX. Here is the rub. In public records, it shows the mortgage was satisfied. In both of our names. By XXXX   XXXX XXXX. I am trying to fix this misjustice. My credit is under XXXX. 3 years of late payments on a mortgage!. My lawyer couldnt help me, except I paid two lawyers over $ XXXX to help prevent these issues. My x should have done what he aggreed to, get his own loan. He honestly could have bought the property outright. XXXX  XXXX XXXX should be responsible for this. I paid a 7 year interest only loan. Over $ XXXX. With the arm, and with the escrow agreement, they were obligated to increase my escrow so there would not be a shortfall. Please tell me what can I do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on several different occassions to resolve this issue with the credit bureaus regarding  XXXX  accounts being reported on my credit report. There are  XXXX  accounts that are reporting as account settled less than full balance for   XXXX   XXXX   XXXX   however that information is not correct. I previously sent a letter to  XXXX  and they responded with a letter stating that the balance was settled in full. I forwarded a copy of this to all  XXXX  credit bureaus. However, instead of fixing this merely obvious error they just updated both accounts to reflect account meets FCRA requirements. Clearly this was lie and no verification was completed or the response would be different. I sent a previous complaint using this system and they denied the investigation stating the address I provided is not on file however that to is a lie!!! I have attached a copy of my printed credit report that has my address reflected. This company is attempting everything in its power to negate my request and violate my rights. FCRA states I must provide my identity by providing my social security number and I have done so. I will NOT provide any of my bank statements or personal identification to a 3rd party agency that I am not required by law to do so. The address I provided is listed on my credit report and an investigation must be completed!
Product: Credit reporting or other personal consumer reports

We had a payment unknowingly rejected by GLS on XX/XX/XXXX due to substantial fraud on our checking account ( the payment showed as processed on our online account and via email ) that resulted in a reported late payment. We worked with our bank, XXXX, who refunded dozens of overdraft fees that resulted from the fraud. I submitted another GLS payment right away plus contacted GLS immediately when we learned of the fraud / discovered that GLS had rejected our XXXX payment as a result of the fraud. After the fact, we learned that a system error from GLS ( when we submitted our additional payment on XXXX ) also showed that we had paid on XX/XX/XXXX. GLS tried to later explain that this was for a reversal of the XXXX payment, but their system did not display anything but the fact that a payment was processed on XXXX ( I have a screenshot of this if GLS suggests otherwise ). 

GLS customer service indicated they would process a one-month extension to address the issue and bring our account current. We asked them to help fix and prevent any negative credit reporting that might occur as a result of the fraud and corresponding rejected payment. They indicated they were willing to help and just said to contact them again after the extension and payment items were processed. 

However, multiple GLS reps engaged in a lot of finger pointing when we followed up with them to help us update the negative late payment reported on our credit report. Customer service said the collections team could update our report, the collections team said customer service could update our report, customer service then said the credit managers could help, that team said the credit bureaus would help remove the negative payment info. In the end, nobody from GLS took accountability to update the payment information. We ended up disputing the negative report with the credit bureaus. The outcome of that dispute appears punitive from GLS. We submitted our dispute on XX/XX/XXXX and our credit monitoring platform shows that on XX/XX/XXXX GLS reported additional late payments in XXXX and XX/XX/XXXX as a result, rather than updating the report to no longer report as late. GLS has not only NOT helped us in our time of peril, they have made our lives more stressful and difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

During a recent review of my personal consumer credit report, I saw what seems to be some unauthorized and/or fraudulent credit inquiries, as well as ones that were clearly deficient in the compliant demonstrated permissible purpose ( to be kept or disclosed lawfully ), allegedly made by the following Original Creditors. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. Experian failed to provide a copy of a credit application authorizing the disclosure of my credit files with my signature. If a signed authorization can not be found they are required to remove the inquiries from my credit report. Also, pursuant to section 604, indicates the only permissible purpose for inquiries is a firm offer of credit, court order, employment, and insurance. From my records neither did I authorize these inquiries there is no permissible purpose that applies so therefore Experian is REQUIRED to immediately remove each and every last one of them from my credit report.
Product: Credit reporting or other personal consumer reports

Violation of Federally Protected Consumer Rights Dear To Whom it May Concern, I am writing to formally address a serious issue regarding violating my federally protected consumer rights to privacy and confidentiality, as outlined in the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The following accounts have infringed upon these rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$550.00} These violations pertain to several specific sections of the Fair Credit Reporting Act : 15 U.S.C. 1681 Section 602 ( a ) : This section affirms my right to privacy.

12 U.S.C. 1681 Section 604 ( a ), Section 2 : It states that a consumer reporting agency can not furnish an account without my written consent.

15 U.S.C. 1681c ( a ) ( 5 ) : This section prohibits any consumer reporting agency from including any adverse information in a report that is more than seven years old, except records of conviction of crimes.

15 U.S.C. 1681s-2 : This section states that no person shall 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.

The aforementioned accounts have contravened these provisions, thereby violating my rights under federal law. I request immediate action to rectify these issues and ensure that my consumer rights are upheld.

Thank you for your prompt attention to this matter. 

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

On XX/XX/XXXX XXXX XXXX from Freedom debt relief took my money after givingme false information. All the debt they claimed to be settling, was not mine. I've tried getting a refund but I have been hung upon, every time I ask to speak to a supervisor
Product: Credit reporting or other personal consumer reports

My identity was stole and account was hacked didnt have access to my funds to pay any of my bill I notified XXXX XXXX and they still reported my payment late to the credit bureau after I explained I was a victim of identity theft back in XXXX of 2022