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

I bank with Chime. Chime is an online bank and someone was using my chime debit card number to make online purchases ( I DID NOT AUTHORIZED ANY OF THESE TRANSACTIONS ). This person stole {$22000.00} of my money. This person also created a XXXX XXXX account & tried to file my taxes for the 2020 year. They also made account changes to my chime spending account : Added a phone number to my account ( At least twice ), Enabled/Disabled the transactions for my Chime Visa Debit XXXX ( multiple times ), Added and/or removed my debit card number from XXXX XXXX, Added and/or removed my debit card number from XXXX XXXX. My attachments are detailed and list everything that this person or party stole from me. IAW every single POLICY that Chime Bank has they are wrong in denying my Unauthorized transaction claims. Chime is in Breech of their own User Agreement : I did not make any of the Transactions that I dispute. Chime did not even investigate. IAW the Visa Zero policy & with their own user agreement they need to give me my money back. If you read Chime 's reviews on the XXXX you will see they are not treating customers right, and don't investigate claims properly. I have documentation two days after the first fraud purchases was made that I told chime that I believed someone committed fraud. I asked them to cancel my debit card and they did not. I had no access to my account and no way to access it. I needed a cell phone in order to receive an 2-factor Authentication code and I did not have a cell phone. Chime was told this over and over again the only way that I was aware that anything happened was because I received some email notifications : one adding a phone number that wasn't mine, some stating my debit card was declined and some adding or removing my card from XXXX or XXXX XXXX. Chime did nothing to help! These charges was made online I'm not sure of all the places but most were in XXXX and XXXX Chime told me they was going to cancel my debit card and issue a new card number and this was their policy but they did not. I was told this 4 times. I also told chime to cancel my debit card on XXXX XX/XX/2020, they did not! I again asked them on XXXX XX/XX/2020 to cancel my debit card and they did not. Chime failed me like they have failed many others.
Product: Debt collection

Hello, I have an account on my credit from a company called XXXX XXXX XXXX XXXX. I sent them a dispute because I had never heard from them, nor had I ever heard from the original creditor about the alleged said debt. According to them they are collecting on behalf of XXXX XXXX?? 

There is currently and has never been an account on my credit from XXXX XXXX. I have never even heard of them before. However, I received an alert about my credit that XXXX XXXX XXXX XXXX placed account number XXXX on my credit in this regard. 

I immediately, contacted them by way of a certified letter which they received. They have failed to respond to me, it's has been over 45 days. The account remains on my credit and they changed the status to report as closed. The account doesn't not belong to me and it need to be removed.
Product: Mortgage

In XXXX we applied for a loan modification through our mortgage servicer Shellpoint Mortgage Services. After many months of calls, emails and misinformation we were denied Struggling financially, we hired a lawyer, and after many months they were also unsuccessful in any regular communication with Shellpoint to obtain a loan mod. 
We had no choice but to begin bankruptcy proceedings because of the fact Shellpoint was unresponsive to our requests. 
We entered XXXX XXXX with the intent of getting a loan mod and stopping any foreclosure action and the Covid-19 pandemic hit and all communication with Shellpoint ceased . 
Any and all communication to Shellpoint went unanswered. 
we opted out of XXXX  XXXX bankruptcy and our lawyer continued to attempt communications with Shellpoint to no avail. 
XXXX of XXXX after years of trying to settle this issue, Shellpoint answers our lawyers request for a reinstatement was answered. Shellpoint immediately put us in foreclosure and set up a Sheriffs sale without our knowledge. Bully tactics. 
Many emails and calls to Shellpoint from our lawyer was met with no replies, inconsistent replies or misleading financial amounts due for reinstatement. 
When asked for a reinstatement amount all Shellpoint could eventually produce was an email with a figure, {$170000.00}. When pressed for an itemized bill and how these funds were to be applied Shellpoint was unable to produce them and still has not. 
Our lawyer told Shellpoints lawyer that we will be willing to pay the past due but need a itemized bill and to delay the sheriff 's sale. Shellpoint again took weeks to reply only to refuse our request days before the Sheriffs sale. 
In order to stop the Sheriffs sale in XXXX of XXXX, we paid Shellpoint the {$170000.00} in arrears, they still have not notified us how these funds were applied. 
Shellpoint has since been unwilling or unable to produce any accurate financial information pertaining our mortgage and is once again ignoring our lawyers request for an accurate monthly payment which was due XX/XX/XXXX. We are now on the verge of a late payment by no fault of our own. 
Our lawyer has been attempting to contact Shellpoint for a month with no reply. Again. 
Shellpoint has shown a pattern of unprofessional, unethical and possibly criminal work practices since we first contacted them. And it continues. 
We are willing to pay them however they can not produce basic financial figures that a mortage servicing company legally has to provide. 

I believe Shellpoint Mortage Services should be investigated for their work practices. 
We just need them to provide accurate accounting so we can pay our mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 XXXX accounts reporting on my credit report all 3 opened XX/XX/XXXX Club XXXX XXXXXX/XX/XXXXXXXX XXXX, XXXX ONE SAYS STATUS CLOSED XX/XX/XXXX THE OTHERS REPORTING OPENED AND RUINING MY CREDIT I RECENTLY PAID THE 3RD PARTY CREDITOR OVER {$4000.00} TO BRING MY ACCOUNT UP TO DATE BUT ITS STILL REPORTING NEGATIVE. I DONT KNOW WHY IF IT WAS CLOSED AND PAID XXXX WHY ARE THEY STILL COMING AFTER ME. 
ALSO DIFFERENT NAMES AND ADDRESS AND FRAUDULENT ACCOUNTS ON MY REPORT
Product: Credit card or prepaid card

My account with XXXX Mastercard was frozen due to a security concern. I made the following attempts to call the company to work to get the account fixed : XX/XX/23 XXXXXXXX XXXX EDT - I called and reached a customer service rep. They connected me to security, where I waited on hold for 30 minutes with no answer. 

XXXX XXXX XXXX EDT - I called and reached a customer service rep. They connected me to security, where I waited on hold for 30 minutes with no answer. 

XX/XX/23 XXXXXXXX XXXX EDT - I called and reached a customer service rep. After 35 minutes, they were able to get a security rep on the call. The security rep got some information from me ( I confirmed the activity they thought was suspicious ) and then she put me on hold. She then hung up. The security rep 's name was XXXX 

I am unable to use my card, and I am unable to pay my statement balance on this card. I have automatic monthly transactions that were declined. I also need to pay my balance so that I don't have interest or late payment reported. 

I have overall spent nearly 3 hours of my own time trying to contact somebody to fix this issue, and in the end I was hung up on.
Product: Money transfer, virtual currency, or money service

Ive been using Zelle for awhile now they always either take my money or have it sent to another person and Im always having to reverify my information customer service is always so hard to acess
Product: Checking or savings account

MY PROBLEM IS THAT CAPITAL ONE CLOSED MY ACCOUNT WITH FUNDS IN IT APPROXIMATELY WITH A BALANCE OF {$70000.00} THAT WERE DEPOSITED FROM 2 PPP LOANS AND WERE NOT RETURNED TO MYSELF OR THE SENDER INSTEAD THOSE FUNDS WERE KEPT FROM CAPITAL ONE AND STILL DOES FOR OVER A YEAR NOW WITHOUT A RELIABLE EXPLANATION WHERE THE FUNDS GO. THIS IS THE FIFTH COMPLAINT IAM SUBMITTING BECAUSE THE FIRST 3 RESPONSES CAPITAL ONE SENT ME LETTERS SAYING THEY WILL RETURN THE FUNDS TO THE SENDER AND THEY REQUESTED A HOLD HARMLESS AGREEMENT WHICH THEY RECEIVED TWICE BY THE SENDER ( MBE CAPITAL PARTNERS ) BUT THEY STILL HAVENT SEND THE FUNDS BACK. AT THE FOURTH COMPLAINT THEY WOULDNT EVEN RESPOND BECAUSE SUPPOSEDLY I WAS A VICTIM OF FRAUD WHICH IS NOT TRUE AT ALL..
Product: Credit reporting or other personal consumer reports

There is information on my credit reports that I did not authorize or open up on Transunion, XXXX and XXXX. I received an alert that my identity was potentially compromised, and my social security number may be on the dark web. The Social Security Administration. When I finally got access to my credit reports, I found accounts on them that do not belong to me or have access to. I contacted the credit reporting agencies to challenge the validity of the accounts, and I have not received a response yet. It has been over 45 days now. There are multiple inquires on my credit reports, there are addresses that I have never lived at or can identify the location of, there are places of employment that I have never reported or worked at in my credit file. Also, there are home addresses that I have never lived at or used to apply for any credit. THE ACCOUNTS THAT ARE IN QUESTION DOES NOT HAVE MY CORRECT NAME ON IT. I contacted the credit reporting agencies on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

According to Section 605B of the Fair Credit Reporting Act ( FCRA ) gives consumers the right to request that credit reporting agencies ( CRAs ) block the reporting information on their credit report that was the result of identity THEFT. Because my information was disclose on the Data Breach : I have several fraudulent accounts that should be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These Accounts are due to the Data Breach, therefore they should be removed immediately from my consumer report. 15 U.S.C 1681... PROMOTES THE ACCURACY, FAIRNESS, AND PRIVACY OF PERSONAL INFORMATION...
Product: Credit reporting or other personal consumer reports

This is my last attempt to get this fraudulent item off my Transunion credit report. XXXX and XXXX have already removed it due to fraud but you continue to violation federal law by reporting fraudulent information not associated with me.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

XXXX XXXX {$58.00} I already paid this debt off last week confirmation number XXXX {$240.00} and amount paid it was paid on Monday XX/XX/2019 please remove this from my credit file Thank you
Product: Credit card or prepaid card

i XXXX I, had two credit cards with capital one which were both closed due to the neglicence of XXXX XXXX and there reversal of a balance transfer that happened in XXXX and was reversed on without mine or my father in laws consent and was XX/XX/XXXX in the amount of XXXX XXXX on my XXXXXXXX XXXX  that i relay on to run my business and get the proper equipment and saftey materials for my techniacians. with this said i kept capital one in the loop the whole time sending mutiple faxes of updates and a signed letter stating what they were doing to XXXX institutions with out any consent and they should not exknowledge their claim for money back as all it did was result in two instiutions stating i owe them money as capital one sent it back to XXXX and XXXX claimed they didnt get it which then finally received it and then when asked to send it back to capital one they did not and i still did my due diligence and kept capital one updated and told them that this was a bank error with supporting documentation and that i will get them there money back regardless if i had to sue XXXX  because XXXX  still tried to collect money they reciveied from capital one from me and capital one telling me i owe them. with all the documentation and issues with XXXX it is their sole responbility to fix this error pay them and capital one has no right to close the account as it was a bank error and they told me it was closed due to the B/T reversal which they thought i did and i supplied them with the documentation stating we did not and the letters stating that they withdrew the disputes done in error but they didnt and went back and worth stating it was it was withdrawn to no one is responible to we owe both them and capital one and it is unfair for capital one to close my credit line that had a XXXX dollar balance piror to this incident and i have never missed a payment even as i was going through identity theft loosing XXXX XXXX and to this day still fighting to recover my funds. what capital one did was ruin a huge factor in building my company and growing it larger and producing for money instead they ruined my credit and said i owed them money with intrest and a closed account on top of that which hurt so bad i had lost so much money in business and emoloyees unable to hire and my XXXX XXXX XXXX XXXX  is getting hard to provide for and this is ashame not on XXXX for closing my accout fully but on both parties for there actions when i did everything in my power on top of my due diligence to keep them updated and aware every day of the circustances with documentation.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc XXXX XXXX XXXX. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act XXXX Account, has violated my rights. 
15 U.S.C 1681 section 602 A States I have the right to privacy, 15 U.S.C 1681 section 604 A it also states a consumer reporting agency can not furnish a account without my written instructions 15 U S C 166b A Creditor may not treat a payment on credit card accounts open end consumer credit plan as a late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent information to put credit freeze on my report all they did was to remove my name from pre approved list, called the phone numbers given on the website but unable to get a real person. Company refused to initiate freeze online even though i answered all their questions correctly. Please help
Product: Credit reporting or other personal consumer reports

PUBLIC RECORD # XXXX XXXX NOT MINE, DELETE FROM MY CREDIT This letter is a formal complaint that you are reporting inaccurate credit information on my credit report. The above referenced accounts is not mine the public record shows other name address and social security. The incorrect listings are lowering my XXXX XXXX unnecessarily, and it is also preventing me from purchasing a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or TransUnion } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Product: Debt collection

Hello, Through my XXXX XXXX Credit Report via XXXX, I have been made aware of a collections due to XXXX in the amount of {$1100.00}. 

I have been watching my credit via XXXX XXXX which has been showing me XXXX and XXXX reports. On neither of those has this collections amount shown. 

After seeing this collections due to XXXX. I called Credence Resource Management. They stated that an XXXX account was opened in XXXX, Georgia in fall of XXXX. From XXXX I was a full time resident in XXXX, Texas. I have not allowed anyone to open up an account on my behalf and have never lived in or been to XXXX Georgia. Credence resource management sent a fraud packet letter to complete which asked for my Social Security Number and other personal information that I was not comfortable giving out to Credence resource management. I have gone online and read that credense resourse management has lawsuits for scamming and other fraud issues. 

I then signed up to experian and saw the fraud appearing on their credit report for me. I called them directly and they started a dispute into this collections claim. They advised for me to file a fraud report on ftc.gov, which lead me to this site. I have an active dispute filed with experian for this collections claims.
Product: Credit reporting

I have XXXX separate credit accounts which were sold to third party law firms then I was sued, received judgments, and BOTH were eventually vacated AND discontinued by the court system, as they were never proven to be my accounts in the first place. 'Chase/ XXXX ' XXXX sold to 'XXXX ', and XXXX ' is listed under the same name. Experian is not listing them as 'public records ', however the original accounts are still listed, and as 'seriously delinquent ' when they should be completely 'deleted ' ; as with the other XXXX bureaus which have done so successfully. I sent Experian the certificates of disposition from the court, via USPS certified mail, and received my return receipt, yet no response via mail. I followed up online yet the form would not allow me to submit 'proof ', so I followed up with a phone call at which point I was able to upload proof. I received my finalized dispute results via e-mail, listing both accounts as still 'remaining ' on my report, with no explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded in my XXXX XXXX XXXX to XXXX for a XXXX XXXX XXXX. The dealer said to not make my final payment due to me trading the car in and that they would receive the payoff the next business day. Short story is my payoff for the XXXX got to Wells Fargo ONE day late. They reported this to the bureau and will not remove it. I'm in the process of trying to buy a house as a first time buyer and this is reflecting in a negative light with lenders. ONE DAY. I've called Wells Fargo and they say nothing can be done is what it is and offer no help what so ever. I've contacted to dealership where I leased my XXXX  and all they say is sorry it got there a day late.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX XXXXXXXX Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX Account name : XXXX XXXX XXXX  Account name : XXXXXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I received a notification in regards to my credit report from XXXX and Equifax. The notification told me that my credit scores had decreased by XXXX points with XXXX and XXXX points with Equifax, because my vehicle loan balance decrease by {$450.00} due to me making a payment on time. When I called XXXX to find out why they decreased my score due to a on-time payment he told me they decrease my score because of a late payment from over a year. They penalized me and decrease my credit over a year ago when I had the late payment, but now I have been paying on time the correct amounts, and they have decreased my score again. This is very frustrating as I have worked very hard to try to get my credit back up. I can understand being penalized for being late or missing a payment and making my score go down. But to decrease my score by so many points, because I made a payment on a loan on time and correctly is not okay.