23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Chime Financial opened a fraudulent account ( Acct # XXXX ) using my SSN on XX/XX/24 while my credit was frozen/locked for XXXX, XXXX and XXXX ( XXXX was XXXX on XX/XX/24 ). On XX/XX/24, Chime reported an unauthorized account linked to my XXXX to XXXX. I contacted Chime to report the fraudulent account on XX/XX/24 ( XXXX XXXX : XXXX ), at which time Chime could not locate the account. On XX/XX/24, I had a XXXX investigation initiated and reported Chime to the CFPB. On XX/XX/24 at XXXX XXXX, I received an email from Chime indicating a fraud investigation was opened. This email provided a link for me to upload proof of my ID claim, including this FTC report. At XXXX XXXX on XX/XX/24 ( the same day ), I received an email indicating that the investigation was closed and Chime couldn't confirm that ID theft happened with the account. Chime also took action to close the account less than XXXX hours after I was provided the opportunity to submit proof of fraud. THIS ACCOUNT WAS FRAUDULENT and Chime did not provide a thorough investigation. The fraudulent Chime account still remains on my credit report.
Product: Debt collection

Source Receivables Management has violated my rights multiple times. They have been harrassing me through phone, email, and, mail. I did not give them permission to contact me nor given them my current mailing address. They have violated my consumer rights under code 1006.6.in which states, ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt. I hace not given them any permission to contact me via phone, email, or mail. I am disputing as well because I had no previous knowledge that I can dispute any derogatory marks placed against me by the original creditor or the collections agency. I seen them placed on my credit report and I disputed the discrepancies on my own. In turn, I am asking for a full copy of charges and account statement summary from original creditor or documentations that show my signature and information that willassist to the ownership of this account. In which, I do not have any knowledge of having an account with XXXX. I want Source Receivables Management to be fined for the harrassment and violating my consumer rights.
Product: Credit card or prepaid card

During the month of XXXX I had a failed payment for my credit card through Discover Card. When attempting to sign into my online account I was denied access and immediately called customer service to find out why. I was informed that I needed to send in documentation requested by the fraud department on XX/XX/2020. I was unable to make a payment until then. I faxed all requested documentation in asap. While waiting for a response or update I called about my payment on XX/XX/XXXX and was told that it would be deferred without penalty or late credit reporting. I still hadn't received any notification about my sent in documentation. When attempting to make a payment for the month of XXXX I was told that my card had been closed without an explanation. One week later I received a credit monitoring notification that Discover reported my account as 30 days late, although I was told that the payment was deferred. I've made multiple phone calls without explanation or reason as what is going on with my account or its closure. I had my brother, an authorized account user, call with me and finally received a frustrating explanation. Discover explained that my account was closed because some of my documents that I faxed were illegible. They stated that they sent a letter to my home on XX/XX/2020, explaining that the documents needed to be resent or the account would be closed. I never received this notice or any other correspondence regarding the matter. I also never received an account closure letter that Discover says was sent on XX/XX/2020. To make matters worse although I did not have online access to my account nor was able to make a phone payment, I received another notice today that my account is 60 days past due. Discover has caused the credit score of my brother and myself drop significantly with lack of information and communication. This has impacted my brother drastically, as he is an XXXX service member currently stationed in XXXX and is 30 days away from returning to the US and scheduled to close on his home mortgage. As a XXXX XXXX working multiple jobs as well as dealing with family XXXX issues this has added a heavily undue amount of stress and terribly blemished my otherwise unblemished credit report.
Product: Mortgage

XX/XX/XXXX My two previous complaints has unlimited misleading inaccurate information and W.F.B should is violation of RESPA, TCPA and so on.

Currently my request to have loan modified again no decision has been made even though I have used HUD counseling service. Reason for not denying or approving loan modification is one my daughter who is not a borrower or on the loan did not provide her pay stub. 

My daughter 's income has nothing to do with loan modification since she is is not on the loan or has borrowed form W.F.B. 

Since W.F.B has acted same manner which includes around XXXX when XXXX tried to assist me. 

Rest is in the two attachments that has many misleading and false information. 

W.F.B should cease entire sending fake letters when I do not file any complaints. Letters from XXXX XXXX XXXX are faked and its only to indicate FED and State of CA response have been made. Unlimited numbers of letters I have received from her she dose not or have never called me. Her letters are all faked and she should stop sending me fake letters when I did not contact W.F.B which never
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. 

Account Name : 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  has violated my rights. Or list of inquiries 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

There is a company collection account on my credit report called XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX and the account number is XXXX for a balance of {$820.00}. I believe that this is fraudulent account because on my XXXX report it is saying that this account was opened on XX/XX/year> and this is not true. I would like you guys to delete this account from my credit file because its not my account. I'm gong to upload information that can verify my identity such as a Massachusetts ID card and copy of my U.S. Passport and Social Security card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm submitting this complaint because my rights under the FCRA and FDCPA have been violated. I have been disputing since XXXX and not even once have I received the requested documentation, procedure information, method or anything else other than form responses saying these items have been " verified ''. I am attaching XXXX XXXX XXXX XXXX, wherein Congress specifically states in no unclear language that the burden of proof is on the CRA 's and creditors - NOT the consumer. So how can they " interpret '' this to mean that I 'm the one that needs to provide any proof whatsoever when they 're getting paid to report these accounts? The entire point is that they 're required to report these accounts ACCURATELY AND COMPLETELY and that all accounts must be verifiable to stay on my credit report once I dispute them. My disputes have never been frivolous and therefore, they can not send anything stating that they will not investigate further without information from the creditor or the court because that is a direct violation of section 1681 and what Congress stated above. I would not be in this situation if they had done their job to begin with and gotten rid of these invalid accounts! 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX are all reporting different balances across all 3 bureaus tell me how thats accurate and how all 3 bureaus can possibly say that these have been verified???? Its NOT possible! The other accounts are reporting balances that I just simply do not owe these all need to be immediately deleted! 

I will not accept a response from these companies stating that my address, name and/or SSN has been verified with the company. NONE of my disputes have requested this information and that is not legal verification anyways. I have attached my last 3 months of disputes, my credit report, identification, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Between XX/XX/year> and XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX  XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm. 

Please see attached for more information.
Product: Money transfer, virtual currency, or money service

Cash app didnt give me any way to access a live agent to deal with disputes, which led to a loss of money.
Product: Credit card

There has been an overpayment on my credit card and since XX/XX/XXXX I have been trying to get a refund. They said a refund check was issued and I only received one for XXXX and the large check never showed up. They put a stop payment on the large check and I sent them the routing number and checking account number that they already had on file for this credit card and I have never received this amount into my bank account. 
The message center said they issued a check XX/XX/year> and said I would receive it in 17-21 days not the ACH they promised. 
Today is XX/XX/year> and I have not received this check. The Supervisor today told me it would be released onXXXX and would be received in 10 business days. 
This is ridiculous and they owe me interest on this money and they are holding til the year end to release this amount to me. 
This is wrong and should be against the law, I will file with every banking complaint institution I can file. If they do this to me, how many others are not getting refunds and they are using our money to invest and make money for their bank. 
The amount to be refunded is XXXX and that is a lot of money to hold on to. I have a trail of written messages to this bank. Comenity Bank owned by Bread Financial is the bank that my credit card is through.
Product: Mortgage

I have worked very hard to improve my credit and had submitted all required documents for an application for a refinance. Having had no communication with the loan officer or the company, I emailed to inquire of the status and was given a curt reply that informed the loan officer is no longer there. I was not given the status of my loan and no other option for contact. As a business professional, I understand turnover and contacts, but as I had still filed all the necessary for a loan through the company, am I not required to receive a decision one way or the other? As an individual who works very hard and always extends common respect and courtesy to others, I am extremely disappointed and discouraged. It conveys clearly that my loan is no longer a matter of concern, and I am understanding of this, but I would like to have been treated professionally and at least given an option as to who I could possibly talk to.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES 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. 

UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I Found Fraudulent inquiry in my credit report.Please remove it XXXXXXXX XXXX XX/XX/year>
Product: Debt collection

Collection reported on my credit report I owe them XXXX for XXXX XXXX. On XXXX XXXX, XXXX I sent certified mail disputing this debt and requesting competent evidence bearing my signature showing that I have some contractual obligation to them. 
I have not heard back from this agency. They inform the credit bureau that I disputed but no other action was taken.
Product: Debt collection

Talk to there rep on Monday XX/XX/XXXX bill due on XXXX Told rep would be paying on XX/XX/XXXX afterXXXX They still call everyday. Today they call me and my reference. My mother there was no reason for that if I talked to you on Monday and told when payment will be made The company is Atlas credit
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said account. XXXX XXXX XXXX XXXX  was reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Debt collection

I am not sure that the choices above fully cover the issue. There has been an ongoing dispute with XXXX since XXXX XXXX in which they have monthly inflated fees and charges for who knows what. I have filed previous complaints with this agency and others agencies regarding billing for services that I disputed and service that I did not receive. I tried and finally got them out of my life by signing with a company of my choosing, however to date I have gotten inflated bills and for the last several months I have gotten this same bill for {$270.00}. XXXX has billed me for months for an outrageous amount they claim I owe and I in turn insist I owe them nothing and submitted proof of that fact to several agencies including yours. XXXX threaten debt collection and to affect my credit. I submitted a cease and desist letter and I told them I was n't paying them nothing. As an end result a debt collector sent me a letter dated XXXX/XXXX/XXXX that I received XXXX/XXXX/XXXX regarding this matter. The company is McCarthy , Burgess & Wolff. It is claimed to be signed by a XXXX XXXX with XXXXbusiness but has this company 's email address. I have had no contact with XXXX since they left in XXXX and they are no longer in the cable business. In this letter, I am warned about three bullet points stated in the letter as a cautionary or threat before I respond. All three of the bullet points are from the prospective of XXXX and is false. I have not been given an opportunity to defend myself again nor has the debt been verified by this company. I am again asking for help. It is apparent that this debt collector is attempting to re-write the facts in an attempt to extort money from me.
Product: Debt collection

Dear Sir/ Madam, Experian has failed to correct account ( ID : XXXX ) with inaccurate information of not properly investigating the case via 15 USC 1681i ( 6 ) ( B ) 3, and also reinsertion account to my credit report without ap 15 USC 1681i ( a ) ( 5 ) B. 

I received a copy of payment history and documentation of E-sign consent from XXXX XXXX ( XXXX ). And their continuation to report to all XXXX national credit bureaus as dispute. 

payment history and documentation of E-sign consent does not prove validation to collection of debt, without debt validation with " wet ink Signature signed '' according to Fair Collection Practice Act ( 15 USC 1692 et seq ) and also not answering to insurance claim on account ( ID : XXXX ) by XXXX XXXX. 

Experian is still reporting this account on my credit report without proper investigation of validating debt. 

Attach is my correspondence with XXXX XXXX with notice to cease/ desist and declaration that I sent.
Product: Debt collection

Financial data systems L. The account was opened on XX/XX/2015. I had a procedure to remove my first XXXX  at XXXX XXXX XXXX XXXX XXXX. After they removed the XXXX they apologized and said they did not have any other devices in stock and that it would take at least another month to get more in stock. They said that would mean they would need to reopen a healer wound. The doctor did not recommend this and referred me to what they called a sister clinic. I asked the receptionist if this procedure would be covered 100 % by my insurance ( as it has in the past ) and the receptionist reassured me it would. I went straight to the sister clinic and had the XXXX XXXX by a med student. This med student XXXX the device improperly, which would cause me to XXXX XXXX XXXX to have the device removed three years later when the device was somehow undetectable. Then I receive calls from a credit collection agency saying that I never paid my hospital bill. I called XXXX XXXX XXXX XXXX XXXX and the sister clinic ( which was actually new XXXX XXXX  medical centers ) to try to figure out how I could possibly have a bill. They stated over and over that my insurance didnt cover the procedure. I called my insurance who stated procedure should had been covered. I called the collection agency and relayed this information and to no avail they claim that I still owe them money for this procedure.
Product: Student loan

Summary : Submitted a {$500.00} payment that was cashed by Navient but not applied to my loan. I tried calling, I tried chat, and I tried sending a letter. Navient has not addressed the problem. 

Details ( this is actual text ( " copy and paste '' ) that was printed and sent via USPS to Navient, which Navient has not responded to early XX/XX/XXXX ). : -- -- -- -- -- -- -- -- -- -- -- -- Late XX/XX/XXXX, I submitted a payment that was deposited by Navient on or about XX/XX/XXXX to loan ID XXXX, belonging to me, XXXX XXXX. But the payment was not actually applied to my account ( XXXX ). They payment was serviced by XXXX. 

This payment was not applied to that loan, nor any other loan of mine. The check was deposited. The canceled deposited check is included in this package.. 

Please apply the {$500.00} payment to loan ID XXXX. 

If you have any questions, please contact me via email ( XXXX ), phone ( XXXX ), or a secure message via the Navient web interface. 

-- -- -- -- -- -- -- -- -- -- -- --
Product: Student loan

I have contacted citizens Bank several times over the years regarding student loan payment. I see the bank has filed a lawsuit against me regarding. My uncle who has been deceased since 2017 co-signed and Im not able to make the payments required. It was originally a predatory loan that was approved. I need to get to bottom to this asap
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan accounts ( 10 of them ) by FedLoan reports 4 months of late payments which my account was ( and still is ) in Forbearance during those months. Account has been in forbearance since XXXX XXXX XX/XX/2020. NO LATE PAYMENTS Should be reported. During those dates. 
I had tried disputing it through all 3 credit bureaus as well as With the creditor ( FedLoan ). They incorrectly updated by credit report to show that my forbearance will start XX/XX/2020. This is incorrect. When I called FedLoan they said I could not speak to anyone in any department to correct this issue. 

4 months of late payment on 10 Student loan accounts =40 negative hits on my credit score.
Product: Checking or savings account

I received a series of automated emails from CapitalOne that said I changed my profile phone number, was approved for a new credit card, and accessed my account through a new device around XXXX  of XX/XX/25. I did not recognize any of this activity so I called CapitalOne. Despite sending me emails, they confirmed I did not have any credit cards in my account, however they would not explain why I received any emails to begin with, so I'm unsatisfied with the response. 

Second, while on the phone I was bounced amongst multiple representatives, but one told me that I had a savings account under my profile ( linked to my social security number ). I was told it could have been opened many years ago. I do not remember opening this, however it does not mean I didn't. They refused to provide me any way of verifying if this savings account under my own social security number is valid. The only solution they offered was to flag it as a fraudulent account and close it. I deserve to know whether this is my account, and closing it without investigating it is not appropriate. 

I want all credit cards under my social closed, and also that for my wife, XXXX XXXX. For any checking or savings accounts, I need to be given a level of information for me to validate whether these are legitimate. Once confirmed, if they are not legitimate, these also need to be closed. 

The multiple representatives I dealt with each had incomplete information and were unwilling or unable to assist the above requests.
Product: Credit reporting or other personal consumer reports

MADE SEVERAL ATTEMPTS TO CONTACT COMPANY TO CORRECT INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened onXX/XX/2019 with a credit limit of {$3000.00} -This is not my account.