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

I am an account holder with Chime, and I reside in South Carolina. On XX/XX/2022, I found a charge of {$220.00} on my checking account. I did not recognize this transaction at all. At the time, I was at my job, and knowing this had to be a fraudulent charge, I went and purchased a soda so that when my account would be investigated later, they would see purchases throughout the day coming from SC, which would make the fraudulent transaction appear abnormal to them. 

I contacted Chime, and they found the transaction was made at XXXX XXXX XXXX # XXXX at XXXX XXXX XXXX. XXXX, KY XXXX. I was instructed to wait until the transaction was officially posted, so that I could file for a dispute. On XX/XX/XXXX, I called Chime customer support to file the dispute. I provided the information that was asked of me, and was told they would investigate my claim. That same night, I received an email that they concluded there were no fraudulent charges, and that I would not be receiving a refund. 

On XX/XX/XXXX, I emailed Chime customer support, with a detailed description of the events, including images showing dates, time, and purchases, that would seemingly prove I was not the one that made the {$220.00} charge to my account on XX/XX/XXXX. On XX/XX/XXXX, I received a response that I had provided no new evidence to support my desire to reopen my case. They offered to send me the documentation of their investigation, which I accepted. 

On XX/XX/XXXX, I received their documentation. They did not reach out to the merchant at all during their investigation, which appeared odd to me. Their evidence reads as follows : no account takeover hallmark, disputed transaction is card present transaction process without any fall back errors or suspicious decline codes associated with the disputed transaction, balance exhausted but not over to the XXXX XXXX which suggest that cardholder is aware of the XXXX XXXX, there is a frozen and unfrozen of the card ending within the disputed transaction, no fraud alert, cardholder has funding event prior the disputed transaction through card to card. I did not feel that this was enough evidence to support their decision, especially as several pieces of my evidence directly contradicted their evidence. 

On XX/XX/XXXX, I reached out to Chime support to raise my concerns over the validity of their investigation. I received a generic response claiming they would open the investigation if there was new evidence. On XX/XX/XXXX, I made one final attempt to contact Chime support. I requested that my email reach someone with the authority to help me with my case. I made myself clear that if I did not get a response from someone willing to help me, that I would file complaints to the CFPB, as well as any other applicable institution. I received another generic response.
Product: Checking or savings account

I've been unable to set the elections on my XXXX investment account or even access that section of my account with XXXX XXXX. When I call, they troubleshoot the issue, saying they are sending an email to the investment team to look into the issue and a supervisor will call back. I have never received a call or solution besides try a different web browser even after sending messages on the support portal and calling the listed support number multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was previously deleted from my credit report, However it was never actually removed. The account is still appearing on my reports as a negative item.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX  Date Filed XX/XX/XXXX XXXXXXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXXXXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX 1.XXXX-1 Inquiry from XX/XX/XXXX 2.XXXX XXXX   Inquiry from XX/XX/XXXX 3.XXXX XXXX Inquiry from XX/XX/XXXX 4.XXXX Inquiry from XX/XX/XXXX 5.XXXX XXXX Inquiry from XX/XX/XXXX 6.XXXX XXXXXXXX Inquiry from XX/XX/XXXX 7.XXXXXXXX Inquiry from XX/XX/XXXX 8. XXXX Inquiry from XX/XX/XXXX 9. XXXX Inquiry from XX/XX/XXXX 10.XXXX XXXX Inquiry from XX/XX/XXXX 11.XXXX XXXX XXXX Inquiry from XX/XX/XXXX 12.XXXX XXXX Inquiry from XX/XX/XXXX 13.XXXX Inquiry from XX/XX/XXXX 14.XXXX XXXX   Inquiry from XX/XX/XXXX 15. XXXX XXXX Inquiry from XX/XX/XXXX 16. XXXX Inquiry from XX/XX/XXXX 17. XXXX XXXX Inquiry from XX/XX/XXXX 18. XXXX XXXX Inquiry from XX/XX/XXXX I XXXX XXXX have contacted all 3 bureaus to have my credit inquiries for auto loans removed because the dealership I went to promised me they only ran my credit once with XXXX XXXX XXXX. Weeks later multiple credit inquiries started showing up after I signed the purchase agreement for XXXX XXXX XXXX. All 3 bureaus have refused to remove the inquiries multiple times. I have contacted many of these Auto loan companies and they have no record of me in their systems. Because of all these inquiries I have been denied mobile home loans and residence in mobile home parks. And this is a clear violation of the fair credit reporting act.
Product: Mortgage

XX/XX/XXXX, Closed on home and 1 acre of property. At the time of closing, the closing docs show yearly XXXX County, TX taxes at {$2000.00}. In XX/XX/XXXX, original loan was purchased by Amerihome mortgage company. Monthly payments were {$1200.00}, which included loan plus taxes, and insurances, projected for XX/XX/XXXX. In XX/XX/XXXX, Amerihome issued an over payment from the escrow account in the amount of {$1300.00}. Immediately called Amerihome, and they stated that all taxes and insurance were paid and that their records indicated our XXXX Co taxes are lower and this over payment was due to property owner. In XX/XX/XXXX, early XX/XX/XXXX, we were contacted by XXXX Co Tax Office via letter that our taxes for XX/XX/XXXX were not fully paid and they were going to put a lien on property if not paid in full immediately. The amount paid was only half to XXXX Co in XX/XX/XXXX. Immediately contacted Amerihome who initiated an investigation and determined that from XX/XX/XXXX ( upon buying the mortgage ), that they admittedly were not withholding the proper county taxes throughout the entire XX/XX/XXXX year. Their records indicated that property taxes were only half of the original amount, despite the closing documents reflecting, the annual taxes were {$2000.00}. We received a letter from Amerihome, dated XX/XX/XXXX after investigation completed, stating " escrow account is short {$2400.00} and must immediately be paid or monthly mortgage payment would increase to {$1500.00}. After several phone calls and emails to supervisors, no logical conclusion on why Amerihome 's failure to properly withhold the correct tax amount from the time they purchased the mortgage in XX/XX/XXXX, was reached. Amerihome has concluded that this is 100 % our fault and has offered no logical resolution, except, paying the entire {$2400.00} immediately, or spreading out the loss in the escrow account over a 24-month period, which has raised the monthly payment to {$1400.00}. Amerihomes failure to properly review and verify original closing docs, has now placed a significant financial burden on us, and the fact they have expressed no concern or remorse for their failure, has us now looking for a logical conclusion and resolution.
Product: Credit reporting or other personal consumer reports

Last summer I requested Capital One to comply with the agreement we had on payment of a balance due. This agreement was if I paid the balance owed they would take all negative information off and report me as current. Not only have they refused with our agreement to comply stating they do not remove negative remarks, especially upon a payment agreement when they have done so with a past account I had with them, they are also not reporting it as paid, hurting my credit. If I had known this I would not have paid the almost {$300.00} and told them to buzz off.
Product: Credit reporting, credit repair services, or other personal consumer reports

That fax number is all over their website yet it is not functioning - and hence they are deceiving consumers by directing them to fax information when they know the fax number does not work.
Product: Bank account or service

Chase charged XXXX overdraft fees for XXXX check for {$1200.00} that overdrew the account. The acount has reverse positive pay and the item should have been pending for review before payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following US DEPT OF EDXXXX XXXX .... Balance : {$5800.00} ; XXXXXXXX XXXX XXXX XXXX.. Balance : - ; XXXX XXXX XXXX XXXX XXXX . Balance : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was at a dealership, XXXX XXXX on XXXX XXXX in XXXX XXXX XXXX Florida. They told me they were just going to do a soft credit check to see my credit score and I only authorized for that to be checked. They then without my authorization ran my social through a Kia Motor Finance without even asking me if they could that. I asked them about it because the sales person was acting very strange and did not bring a manager over, I asked her if they were doing something else, I specifically asked that my social would not be run through anything else because I did not give any authorization for it. She said they had not run anything yet but they in fact did and that affected my credit score. I want to report this because that affected my score without my authorization and I strongly believe that should be done about this. I did not want to check for any financing or loans we had not gotten to the point of discussing any of that and they lied to me, she told me they did not run my social and that they did not do any hard inquiries and they actually did. I want something to be done.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

items were furnished on the consumer report that aren't validated as previously addressed I am a victim of identity theft. I am facing XXXX  with XXXX children. please I am being violated my consumer rights are being violated.
Product: Debt collection

On XX/XX/XXXX i received a voicemail from this number XXXX stating they had a compaint against me and if i did not respond they would call my HR/payroll dept on file. On XX/XX/XXXX i called the number out of fear they left me to call back XXXX and spoke to a XXXX XXXX who said he was a paralegal and that they had been trying to serve me for a lawsuit regarding a credit card I had with XXXX. I told him i did not recall a credit card with XXXX and asked when it was from he said XX/XX/XXXX with it being sent to collection in XX/XX/XXXX. I still did not recall and asked why i had not been contacted sooner and he said they just got my phone number. I said they had over 10 years to send me something by mail he said they did which i said i never received. I told him to send me the stuff now. He refused and said XXXX has made the decision to pusue me legally with a lawsuit before the statute of limitations expire and I should hire a lawyer. I asked how much the debt was he said 1600 plus, I then asked why had i not been given a settlement amount he said i could settle for 900 plus. He said he would send me the settlement paperwork on Monday XX/XX/XXXX. 
1. They tricked me into calling them by threatning to call my HR/Payroll dept. which is against the law. 
2. If the debt is real the Statute of Limitations had already expired in Florida if the end activity date was XX/XX/XXXX like he said. So threatning lawsuit/ garnishment is banned based on the SOL. He also said the SOL had not expired so he lied and tried to scare me even more. 
4. I XXXX the phone numbers and his name and it seems others have the same compaint and state its a scam. 

Now, I did receive an email today XX/XX/XXXX from a company called XXXX XXXX which I refuse to open. This debt, which I dont even know is mine is out of the SOL and better not of started over because of thier threatning call to me stating they would contact my HR/Payroll Dept. Plus the verbal threat of lawsuit / garnishment from XXXX XXXX on a debt that is past the SOL is against the law. 

This XXXX XXXX who claims to be a paralegal needs to be stopped. Plus he also said he was representing XXXX but in reality he is a collection company that buys debts for pennies on the dollar and then scares and scams people. 

XXXX XXXX left me his personal number XXXX I would like you to pursue this as I was threatened and scared by this person for a supposed debt whose statute of limitations had already expired in Florida. 

I do have the original voicemail threatning to contact my HR / Payroll Dept if you would like to hear it or have me send it to you by email.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I submitted a dispute to the bureaus to remove unverifiable information. Per the FCRA 609, it states the Credit Bureaus must verify ALL information received from creditors BEFORE placing it into a consumers credit file. This means that they must have the ORIGINAL SIGNED DOCUMENT from the creditor before they can report it. They have not responded nor have they provided " verifiable '' proof beyond the scope of what was reported to them in error. Reference CFPB COMPLAINT ID XXXX. What they did was validate the debt with the dent reporter. I did not ask for debt validation, I asked as my right per the FCRA 609, that they provide me with proof they have followed the law and have proof of the originasl contract. They did not send me that .The FCRA states to legally report anything the bureaus must possess the original contract. They have failed to produce this to me so I am demanding they remove the " unverified '' information.
Product: Mortgage

Applied for refinance mortgage for my rental property and I was offered mortgage rate 3 %. All documents were submitted as requested. Application was denied and reasons on denial letter based on my credit reports are false. I got copies of all 3 credit reports and denial reasons were not found on my credit reports. After discussion with agent, I was told since my application, mortgage rates have gone up and they can not offer me rate of 3 %.
Product: Debt collection

Levy & Associates demonstrated unfair, deceptive, and abusive collection tactics on behalf of XXXX XXXX XXXX XXXX without a court order and seized my savings account for {$10000.00} on Wed, XX/XX/23, and postmarked the same day. I did not receive the notice which was postmarked on XX/XX/23 to appear in court until Friday, XX/XX/23 which was signed XXXX, XX/XX/23. According to the notice that I received in the mail on Fri, XX/XX/23, the hearing date is NOT until Mon, XX/XX/23.
Product: Credit reporting or other personal consumer reports

XXXX of XXXX XX/XX/XXXX {$2600.00} XX/XX/XXXX. {$1800.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$3800.00} XXXX XXXX XXXX XXXX XXXX {$860.00} None of these are my accounts I contacted them and they don't have any of my real information but experience won't remove these accounts
Product: Debt collection

I had a student loan debt taken out for my daughter in XXXX. I believe it defaulted in XXXX. I have been making payments that were automatically deducted from my account. The payments were made to National Enterprise Systems. Around XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, another debt collector, stating that we had an account with XXXX XXXX XXXX XXXX XXXX and that a payment of {$14000.00} was due immediately. When I called to find out what was happening, I was told that the last payment made was in XXXX and that the debt was due in full now. I did not notice that National Enterprise Systems had stopped deducting payment. Upon review of my bank statements, I found that the last deduction was on XX/XX/XXXX. 

I called National Enterprise to find out the reason the payments stopped coming out. Their response was that there was no active account under my name or my husbands name. I also asked XXXX why the payments stopped and their response was that they had no information other than the debt was due in full. They also offered a settlement amount of around {$12000.00}. 

I am trying to find out why payments were stopped by National Enterprise that led to the debt being owed in full. When I spoke to the representative at XXXX I explained that I don't have a problem paying the debt, but that I can't make a lump sum payment and shouldn't have to since I had been on a payment plan with National enterprise and was taken off the plan without my knowledge. 

To be transparent, they did not mention anything about a lawsuit to recover the funds and when I asked of they would pursue one, the representative said that was not what they do, that they are here to help us resolve the debt. I stated to the representative that, as a point of reference, the statue of limitations is 6 years in New York State.
Product: Credit reporting or other personal consumer reports

I am writing to challenge the reporting and compliance of my credit report. 
15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete all items mentioned in my XXXX report off my credit report. 
These accounts should not be furnished on my consumer report as they are in VIOLATION Under 15 U.S. Code 1681b a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have NEVER given any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all accounts listed IMMEDIATELY!
Product: Checking or savings account

Between the dates of XXXX XXXX XXXX I do believe the company Wells Fargo banking institution , has without my consent, incorrectly charged an surprised amount of overdraft fees, along with other illegal activities.
Product: Checking or savings account

My check was cashed with fraudulent endorsement from Citibank. 
Citibank clearly knows who did corroborated with its bank teller. But would not tell me. 
I suspect the landlord did it, because of only one mailbox. 
I have visited XXXX XXXX XXXXXXXX, Citibank, several times, and Police Report obtained. 
It is XXXX XXXX XXXX, they are all thieves, not telling me who got the money. 
I got the final letter recently from Citi, telling me XXXX XXXX XXXXXXXX is check signer, therefore tell them your problem. XXXX XXXX XXXX XXXX XXXX finally tell me to report you. I believe XXXX XXXX, XXXX XXXX. This is simple request, let me know who is thieves, then I resolve this by my own hands. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXXXXXX XXXX XXXX  Account Number XXXX 15 U.S.C 1681 section 602 A. States I have 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.SC. 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, credit repair services, or other personal consumer reports

I was contacted by a notice by Capital One regarding an inquiry made that I never applied for or contracted. They reported and defaming information beginning XX/XX/2021. They never supplied sufficient information to me in order to validate the inquiry. I do not agree with their actions. I have challenged the accuracy and integrity of the information. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) state that data furnishers Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and identifies the appropriate consumer. 
12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.