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

I opened an account with Chime to take advantage of their good savings rates. I promptly started transferring money from my regular bank ( XXXX ) to my account - tens of thousands of dollars. 

After some time, I saw that a third bank with whom my husband and I have our mortgage - XXXX  - offered a better savings rate, so I started to try to move my money out of Chime with the intention of closing my Chime account. 

I was able to transfer {$20000.00} from my Chime account to XXXX before Chime inexplicably locked my account. I can not access it at all. In order to gain access to my account, Chime is requesting I send the following information over non-secure email : SS Card ( Signed ) Proof of income ( W-2, paystub, etc. ) An explanation and documents for the incoming funds via transfers from " XXXX '' for {$30000.00}. Please include your account statement showing what funded your " XXXX '' account, the transfers to your chime account, and that it belongs to you. 

Under no circumstance will I provide a photo of my social security card via email. This request is so outrageous that I thought Chime must be a scam. However, when I then called them, Chimes customer service indicated that I would have to provide this proof of identity in order to access my funds. I offered my SSN, DOB and address to Chime by phone to verify my identity and unlock my account, but they insisted I had to provide the information via email. Their customer service tried to argue that emailing Chime from my XXXX email was a secure email- which is ridiculous. 

In addition, the {$30000.00} I had transferred from XXXX had been in my Chime account for some time before I tried to move it out - this time to XXXX. I see no reason why I need to provide proof of those original funds in order to access my Chime account. 

I have at least {$20000.00} still with Chime. I am desperate to get it transferred away from Chime after this terrible, stressful experience.
Product: Credit reporting 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. 

List of Unauthorized Inquiries : XXXX - XXXX 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: Mortgage

ELDER ABUSE Lakeview Loan Servicing https : //lakeviewloanservicing.myloancare.com/ Loan Number XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Property Subject to Loan Serviced by Lakeview Loan Servicing Please regard this as a formal complaint against the practices of my servicer. We have attempted to procure a payoff from Lakeview Loan Servicing. XXXX XXXX and I have attempted through phone calls, submitted requests and various other means to procure a payoff of my current loan for more than 6 weeks to facilitate my refinancing. Ive a copy of an email I received from XXXX today. I will have to restart the loan process over with XXXX XXXX if my servicer continues to ignore our requests. 
Obviously the servicer does not want to lose a performing loan, but their deceitful tactics of ignoring my and XXXX XXXX requests are the exact basis of the charter of the CFPB. These servicers are the same organizations that have informed mortgagors seeking forbearance of payment that they will owe a balloon payment for missed months. The same entities that have extensively lobbied every U. S. Congress member that will listen that the Federal Reserve should provide them a nearly interest free credit facility to overcome their own illiquidity. Incredibly, the legislation recently passing the House actually provides for that relief. 

This country faces so many issues but the worse response is when good people standby and doing nothing. 

Thank you for your consideration XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a notice from my bank stating that a collection had been placed on my account. I tried to check my credit report on XXXX and Experian but the system was unable to provide me with a report. I attempted to dispute the collection with XXXX XXXX, on the XXXX website but their system also would not allow me to do so. I called XXXX customer service to request my credit report, and to review the report with an agent but they informed me the collection was not placed on my account. I assured the agent that I did not have a contract with the XXXX XXXX XXXX XXXX and that I did not owe them any debt. I also mentioned that the original creditor was paid before this collection was placed on my credit report. I was transferred to another department, and the representative confirmed that the XXXX XXXX XXXX is indeed listed on my credit report as a collection agent. I requested to have the report disputed and was told they would try to do so. I expressed my concerns about my credit report, as the collection has reduced my credit score by XXXX points and is affecting my car loan application status and a job application with an XXXX XXXX. I also contacted Experian to have this correction removed from my credit report. I am also in the process of purchasing my leased vehicle, which is due to be returned to the dealership by the end of this month. The collection and the severe drop in my credit score have negatively affected my financial status and will cause some undue hardship if I am not able to get a vehicle to go to work. If I am unable to apply for a car loan, I will be left without a vehicle. This was was previousely paid to XXXX XXXX company in the amount of over {$500.00}.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to two multi-layered scam operations run XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( collectively : the Companies ), which involved me making deposits for a total amount of XXXX USD from my Bank of America account to a fraudulent investment firm ( s ).
Product: Payday loan

I currently have XXXX {$300.00} payday loans from XXXX different storefronts in my neighborhood : XXXX, XXXX XXXX, XXXX XXXX XXXX and Advance America. I also borrowed an installment loan in the amount of {$2600.00} from XXXX XXXX in XX/XX/XXXX. I am drowning in debt and I ca n't handle it anymore. I need some relief. This is very stressful and expensive. 

I first started using payday loans about 6 or 7 years ago. My current situation of using multiple payday loans every two weeks started at the end of XX/XX/XXXX. My roommate moved out and I had to figure out how to cover all of my housing expenses on my own. At this point, I 've been churning XXXX payday loans every two weeks for over two years, and I 've paid an estimated {$10000.00} in fees, at least. To make matters worse, I 've been paying {$140.00} every two weeks on a XXXX XXXX installment loan, and I 've already paid {$2200.00} between XXXX of last year and XXXX of this year. But my total balance as of XXXX XXXX is still {$2600.00}! How is this even possible? 

On top of my outstanding payday and installment loans, I have a car note from my credit union that I pay {$320.00} a month on, plus {$180.00} in insurance. Plus, my rent is {$1100.00} every month. After taxes, I only bring home about {$1800.00} a month. So this is really hurting me and I 've reached my breaking point. I 'm really struggling to figure out a way to get out of all this expensive, cyclical debt. I do n't want to default on the loans, but at this point I 'm not seeing another alternative. I recently received XXXX utility disconnection notices from my gas, water and light companies. To make matters worse, I 'm also facing being laid off from work in the next few months. 

I need help. I do not have the ability to repay all these loans. I recently found out that it 's against the law for lenders to extend multiple loans to a borrower with an outstanding loan. So legally I should n't have even been able to get XXXX payday loans plus an installment loan at once. Can the CFPB help me in any way?
Product: Credit reporting or other personal consumer reports

I am a victim of the Equifax Data Breach, as well as the national data breach, and there has been erroneous information on my credit report
Product: Credit reporting or other personal consumer reports

Someone used my Social Security Number and my name to open XXXX  Credit Card on XX/XX/XXXX. I figured it out on XX/XX/XXXX and called them immediately to close the account and asked what I need to submit them for investigation. They said they can communicate thru physical mail only and asked me for police report and XXXX XXXX  So I got both reports and sent them to the address XXXX asked me to ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ). I even sent them the tax fraud report as well since the fraud used my SSN to get his tax return. But then they never responded me and when I called them I had to use fraud 's phone number to speak to representatives. In a meantime, I disputed XXXX Credit card on XXXX credit bureaus. But then XXXX declined it later and put it back to my credit report after a while. I tried disputing it again but they kept declining it. I firmly believe that XXXX is deliberately exploiting and mocking the victim.
Product: Debt collection

Repeated daily calls attempting to collect a debt owed by a person with the middle name XXXX with the same first and last name but is unknown and unrelated. Calls are by a computer robo call and only leave a computer message. The calls have been going on for months and could be a scam. 

I have also reported them to the attorney general of Illinois. 
No one needs my SSN.
Product: Bank account or service

Funding suite/ XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX # XXXX entered a credit report inquiry on my XXXX and XXXX XXXX credit reports and upon contacting them, they could not find it, and I told them it was due to someone trying to attain credit fraudulently and I did not authorize the inquiry.
Product: Checking or savings account

XX/XX/19. Pending paycheck was there the day before and today its not being deposited. They said on the phone sometime soon. Thats unacceptable. My funds were pending. This is the second time in 64 days. Navy Federal CU isnt holding up their end of the deal and releasing pending funds. In my case its from my private sector paycheck.
Product: Credit reporting or other personal consumer reports

I have asked TransUnion many times THE METHOD THEY USE TO " VERIFY '' INFOMATION ON MY CREDIT REPORT IN DETAIL. XXXX, you fail to address that issue whatsoever, several time. You failed to answer me within 30 days which is illegal and by law you must remove the following information. NOT MY DEBT REMOVE IT : XXXX XXXX XXXX XXXX XXXX XXXX. THIS WAS ALREADY PAID AS A CHARGE OFF WITH a XXXX I filed with my taxes. YOU CAN NOT COLLECT ON A DEBT TWICE!!! | XXXX XXXX XXXX XXXX XXXX XXXX THIS WAS ALREADY PAID AS A CHARGE OFF WITH a XXXX I filed with my taxes. YOU CAN NOT COLLECT ON A DEBT TWICE!!! : I dispute your claims and I am requesting validation from your pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). - Provide a breakdown of fees including how you calculated what you claim I owe. - Provide a copy of my signature on a contract or document that holds me responsible for his alleged debt. -Cease any credit bureau reporting until debt had been validate by me as required under the FCRA . - Send me proof that you are licensed to collect debt in my state. Send this information to my address listed enclosed and accept this letter send as my formal debt validation request, which I am allowed under the FDCPA.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts that are included on my report that don't belong to me. 
XXXXXXXX XXXX : {$460.00} XXXX XXXX XXXX : {$420.00} XXXX XXXX XXXX : {$1500.00} XXXX : {$730.00} XXXX {$1200.00} XXXX Dispute incorrect amount {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Shows Late/Charge off/open. This account was never late. Currently have no open account. 

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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 u.s.c 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Checking or savings account

On Tuesday XXXX XXXX, 2016 I lost my debit card shortly after leaving the bank. It took a couple days for me to realize my debit card was missing and when I called the bank the following Thursday or Friday to report my card missing I was informed that over {$1800.00} had been fraudulently charged to my account. At first the funds were credited to my account but then about 2 weeks later I recieve notification that the charges were not made in error and that I was responsible. Then the bank reversed the funds out of my account and left my account balance in the negative. I filed an appeal to their decision and did everything they instructed me to do and they still refused to cover my fraud claim even though their policy is 100 % Fraud Protection. When I refused to pay the negative balance now owed to my account as a result of this injustice, the bank went ahead and filed a negative report on my credit with XXXX XXXX. I found this out today when I was applying for a business account at another bank and was DENIED due to this erronious reporting. First they promise total fraud protection, then they break promise and take my money, and now they attempt to ruin my otherwise perfect credit. I 've accepted my fate and ignored the fact they STOLE over {$1800.00} from me but now reporting negatively on my good credit is where I draw the line.
Product: Credit reporting or other personal consumer reports

I check my scores twice a day. Ive notice that my Experian score was do to rises but it didnt not Ive also notice that from the XXXX complaint my middle score was XXXX. My score has not return to this level. Its seem to me that achieving an XXXX score no matter what I do these companies just in fact, that this is more do to rascal then to reporting correctly. As a XXXX consumer I fill that these companies do not report correctly and will do what is need to hold my financial goals back.
Product: Credit reporting or other personal consumer reports

I am requesting the removal of unauthorized credit report inquiries from my credit report. I noticed the unauthorized inquiries listed below after receiving a copy of my credit report on XX/XX/2023 XXXXXXXX XXXX XXXX  Services Kindly investigate my claim per the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible. 
Thank you for your assistance. 

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

I'm a natural person. Transunion continues to violate and disrespect my rights to privacy and several other rights as listed below. If they do not remove the accounts, I'll continue to escalate this higher and higher if the accounts do not get removed from my credit report. 15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

Accounts 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

XXXX XXXX CREDIT cards and XXXX XXXX CAR LOAN Account Number : XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX to XX/XX/XXXX and they were aware. 


Account Number : XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I was on chat and the representative agreed to delete my late payments per me being laid off during the times and my husband death. 

Car Loan : ACCOUNT NUMBER XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX Can you please contact all 3 credit bureaus to have this removed and a new report sent to me. 

Also on all three credit bureaus XXXX and XXXX reported me late on XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX but my loans were in deferment and forbearance they lost paperwork and per them failing to update previous info., they are in violation of Section 623 ( a ) 2 ) of the FCRA . I have contacted them on 4 seperate occasions. I would like those late deleted. 

Also, I would like the original signed copy of every loan that is on my report if this can not be provided, remove all of all credit reports. 

Thus I am filing this with every credit bureau and need you assistance because the credit bureaus have ignored my request on 4 occasions and have failed to supply requested documents or verify within the 30 days time frame. 



Thank You
Product: Mortgage

I purchased my 1st home thru XXXX XXXX with interest rate of 5.3 % on XX/XX/XXXX and they sold my loan to this company called " Carrington Mortgage '' in XX/XX/XXXX. My original loan payment was {$2400.00} a month. When Carrington took over may they started Charging me {$2600.00} a month also they did an escrow analysis and requested over {$600.00} the XXXX month they had the loan. When asked about the increase in Mortgage they stated it was due to the property value of the home and property insurance. I told them that should only affect escrow not my fixed interest rate. I requested an audit, and a young lady name XXXX stated, " we do not do audits ''. I called the Assessor office my State to get information on property taxes and she explained that they are due XXXX 's a year and the property value of the home has increased but the Mortgage should not have increased. 
She also stated she's never heard of " Carrington Mortgage ' and suggested I file a complaint. I've made 3 escrow payments since XX/XX/XXXX along with increased Mortgage payments since XXXX. 

Please Help me as I am a first time home buyer and I feel I am being taken advantage of and I read other complaints on the XXXX website.
Product: Debt collection

In accordance with the Fair Credit Reporting act the accounts listed below have violated my federally protected consumer rights to accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

DrivetimeXXXX XXXX XXXX  acct XXXX The loan servicer Drivetime/XXXX  has been and continues to report incorrect and conflicting balance and payment information to XXXX, XXXX and XXXX. This has caused severe adverse action to my credit file when attempting to apply for neccessary credit accounts. I have disputed this information with the credit agencies as well as the loan servicers directly in XX/XX/XXXX as well as XX/XX/XXXX. Since XXXX DrivetimeXXXX has violated my consumer rights under credit law 15 USC 1681.
Product: Credit card or prepaid card

I had repeatedly contact CHASE in reference to inaccuracies and unauthorized charges found at the time on the credit card Transactions, yet they refused to come to an agreement in order to come to a positive outcome. CHASE then placed the account Into collection/delinquency status. CHASE refuses to attempt to contact me or attempt any type of communication in order to come to an agreement in settling the debt. How is this fair without given me an opportunity to settle the account of any and all inaccuracies. I honestly believed that CHASE has intentionally avoided my communication efforts into settling the account. On or about XX/XX/2022, I made contact with CHASE and they refused to provide any affordable payment plan that can have a positive outcome in my favor. 
I have been unable to find any other type of information in order to settle the account. I have not refuse to pay the debt I just need help in verifying the information at the bottom in order to make an affordable payment plan. 

As you will see CHASE has not been able to can see they alleged to provide the following : XXXX. Copy of the original contract with my signature of the debt, XXXX. Full payment history from the original debtor in this case XXXX XXXX  XXXX. Name and address of the XXXX debtor XXXX. Proof that they own or have been assigned the debt to collect. My credit report does not show any type of debt of the account in question? this is why I'm asking for your assistance to resolve this matter.
Product: Checking or savings account

I requested info on the opening on account and the applying of application