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

On XX/XX/2023, my debit card as well as several other items were stolen from my vehicle. Two unauthorized transactions were made on the same day, one for {$32.00} at XXXX in XXXX XXXX, CA and a second charge for {$15.00} at XXXX. Chase bank was called on the same day to dispute these charges and report that my card was stolen from my vehicle. In addition, I have filed a police report with XXXX XXXX Police Department report ( # XXXX ). Chase bank had issued me a new debit card and temporarily recredited my account for these transactions while this claim was being investigated. Today, XX/XX/XXXX, I noticed that chase bank reversed this claim and took the funds out of my account for those transactions that I DID NOT MAKE. I called the chase and asked why this had happened when I am not the one who made these transactions and they stated that my statements were inconsistent with the claim I had made and that there were no pin attempts made. I let them know it is possible that they can still run the debit card without using a pin number and they are aware that the suspects attempted to take out money from my account at a chase branch but were unsuccessful. When I asked Chase bank for documentation that they relied on and the proof they found showing that my statement was inconsistent they were unable to provide me with anything. I am being charged for a transaction that I did not make and this violates the Electronic Funds Transfer Act and is violating consumer protection laws and rights. I have been a loyal customer to chase for several years and this is extremely upsetting. What is the point of reporting a card stolen and disputing charges if they are going to falsely accuse you of making these transactions?! XXXX with Chase advised me there was nothing that can be done and that this decision was final. Why should I have to pay for these transactions that I did not make!!
Product: Mortgage

I was finished making my final trial payment to XXXX XXXX home preservation department and they sold my mortgage to Selene finance. I have been waiting for the final terms to be written and its for {$250.00} more monthly than XXXX XXXX set my payment to be. Selene first said it was because of a {$910.00} escrow shortage but then said I was 10 payments behind! I have had to pay the home preservation department directly during my trial periods and so I wanted to know where that money went and they refuse to answer or have a supervisor call me to straighten it all out. I have documents from XXXX XXXX stating what my payment should be but Selene does not care to hear it.
Product: Mortgage

Specialized Loan Servicing purchased my equity line of credit XXXX {$60000.00} limit ) from XXXX XXXX XXXX in XX/XX/XXXX, The balance was in or around {$54000.00}. In XXXX XXXX XXXX or so XXXX the account reached its draw down limit {$60000.00}. I was not able to make but one payment in XXXX the rest of the payments were applied to the balance on the account. A bill collector on behalf of SLS contacted me in early XX/XX/XXXX about the account. I contacted SLS and sought a forbearance agreement. It was granted and they sent me a letter confirming that I was in forbearance for the period XX/XX/XXXX, XXXX XX/XX/XXXX, and all foreclosure activity would cease. 

In XX/XX/XXXX, my usual statement listed attorney 's fees, other foreclosure expenses and my house was listed with XXXX XXXX GA for public auction for XX/XX/XXXX. I contacted SLS at their customer service number and was told that something was wrong because I was in a forbearance agreement. I emailed the bill collector - attorney and explained that I was in forbearance. I wrote the first letter of many to SLS who did nothing but canceled the sale for that date. I complained about them billing me for foreclosure expenses while under the forbearance agreement. In my next statement the legal fees associated with foreclosure were changed to " corporate advances '' XXXX same amount for each item that was billed in the XX/XX/XXXX statement, and designated as foreclosure activity ). I wrote an overnight letter requesting a full disclosure of what the fees were and under what authority were they placing these corporate advancement fees on my account. The payment department in XXXX XXXX CO sent the letter back to me and told me that their billing office in XXXX CO handled account issues. I sent a copy of the letter to them, and as of today, I have heard nothing. On XX/XX/XXXX paid the reinstatement amount which included the corporate advances now billed as " fees billed '' with no explanation.
Product: Checking or savings account

On XX/XX/2024 I went to the bank with {$5000.00} in cash to deposit into an atm at the XXXX location of Wells Fargo in XXXX Mn. I put the money in the atm and it miscounted. It only counted XXXX separate transactions of {$1000.00} and {$110.00}. I told the teller this was incorrect and she had me call customer service to file a claim. I received a provisional credit of {$4000.00} on XX/XX/XXXX, but after receiving a letter saying that I was in the wrong and they took the credit back on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Via Western Union I transferred {$800.00} to a XXXX  recipient. Upon collection of the funds, the Western Union agent in XXXX ( XXXX XXXX ), retained a fee of {$31.00}. These fees were not disclosed in advance and the resulting shortfall will cause a second transfer with additional costs needing to be completed.
Product: Credit reporting or other personal consumer reports

I have disputed these accounts for over a year now. They do not belong to me. XXXX a victim of fraud. 

XXXX XXXX {$22000.00} opened XX/XX/XXXX XXXX XXXX {$0.00} opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} opened XXXX XXXX, XXXX XXXX XXXX {$4200.00} opened XXXX, XXXX XXXX My sister opened these accounts in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok now my direct issue is with the 3 major reporting agencies, Transunion, XXXX and XXXX inwhom is constantly reporting this account inwhich I repeatedly disowned as mines. The account is obviously a fraudulent account. And of course it shall appear to be ethic and this is the problem with fraudulent accounts it take one so much time to correct inaccurate information that it's a whole different type of fraud perpetrated by the 3 major credit bureaus. Credit bureaus inwhom depends on old technology and electronic verification inwhich does not consist of actual proof of any sort. So I'm demanding that this reappearing account ( XXXX XXXX ) be block permanently from my credit files immediately, or I shall start suit against the 3 major credit bureaus inwhom is causing me so much hardship and mental distress, time and emotionally anguish. I've requested a Method of Verification into this investigated process. What is the title of the investigation employee, what's their name and inwhom did they speak with to confirm this account. What date and time did this take place. What physical documentation was presented and what physical documentation was mailed certified to substantiate your reporting of this account. If you can not produce this request then as stated within the FCRA laws this account ( XXXX XXXX ) shall be blocked and removed immediately. I'm demanding the names, times, method of communication from every single person involved with this investigation, or please remove this account ( XXXX XXXX ) immediately.
Product: Checking or savings account

Facts : On XXXX XX/XX/XXXX I have opened a personal account in Transferwise On XXXX XX/XX/XXXX I have opened a business account in Transferwise On XXXX XX/XX/XXXX both accounts were deactivated. It was impossible to obtain any explanation from Transferwise On XXXX XX/XX/XXXX I completed an online appeal form and sent an email to XXXX My personal account login ID is XXXX and it has a balance of USD XXXX at least. My business account login ID is XXXX and It has a balance of EUR XXXX  at least. In both cases I had to estimate the amount of the balance because I can not access to any statement. 

Problem : I am still waiting for any explanation about what happened, waiting for the refund of my balance, waiting for any documentation/information request but there is no feedback at all. 

Transferwise provides an appeal process but it is not possible to present a reasonable appeal to a decision without knowing why it was taken and without having access to the account information. 

The service was good so far and I do not like to complain but a month has passed. I do not even understand why my account was closed in the first place. I was hopping that to be some kind of error in an automatic process but nobody is providing me with any feedback and my funds seem to have disappeared.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from FMA Alliance , Ltd in XXXX Texas asking for payment for a bill that did not give me proper time to pay it. It's been less than 6 months since I was notified of the balance on an account where I went to an XXXX XXXX due to acute problems with XXXX. Extensive test were done, I was diagnosed with XXXX XXXX XXXX XXXX, which occurs frequently. I was sent to a therapist for treatment and put on medication to control the XXXX attacks. I am not disputing I owe the amount, but I am however disputing not being given enough time to pay the bill. My husband was recently diagnosed with XXXX as a well as being diagnosed with XXXX. His treatments, testing and medications are taking us to the poor house. We have a great amount of medical bills that I'm trying to juggle. It seems every little amount of debt is being put on my credit record, even before I can get them paid. It's very discouraging to be XXXX XXXX XXXX trying to balance having to go back to work to pay doctor 's bills and others intentionally trying to ruin my credit rating. I would like XXXX XXXX XXXX XXXX to remove this erroneous bill from my credit report and XXXX XXXX, who are the providers of my medical services for XXXX to refrain from sending damaging information that's causing destructive occurrences on my credit rating
Product: Credit card or prepaid card

Back on XX/XX/2022 was my last payment to XXXX XXXX XXXX  for XXXX. After this I was unable to make any payments or use my credit card. I was utilizing my credit card to make payments every month to XXXX and XXXX XXXX XXXX But Truist bank closed my account say that I had not be using my card for payments. This is to true as we can see the payments coming out of the account each month. Also Truist never proved any documentation to customer say that the card had not been utilized and that the account would be closed before this happened. It would have been courteous to inform customer of any up coming changes. I feel that Truist bank has not valued my loyal customer business and is not treating me fairly.
Product: Mortgage

Fifth Third Bank continues to charge me frivolous late fees, despite the fact that my bank, XXXXXXXX XXXX, sends them my mortgage payments on time each month through XXXX. Since this past XX/XX/2023, Fifth Third Bank has charged me XXXX separate late fees of {$50.00} each time, and has refused to waive these fees on request. 

XX/XX/2023 Late Fee. 

Fifth Third Bank falsely claims that I was late on my XX/XX/2023 mortgage payment, claiming that the payment was not received until XX/XX/2023, and charged me an erroneous late fee of {$50.00}, which they are refusing to reverse. 

My mortgage payments are made through XXXXXXXX XXXX XXXX  XXXX, which ensures that my payments are received before the XXXX of each month. Upon checking with XXXX, their records show that Fifth Third Bank received the mortgage payment on XX/XX/2023. 

XX/XX/2023 Late Fee. 

Fifth Third Bank claims that I was short on my mortgage last month, and claims that my escrow was short, resulting in a {$6.00} shortage. I had XXXX send Fifth Third the full escrow shortage amount to avoid an increase in my monthly bills, in addition to my regular bill amount, so there should not be any shortage amount. Despite having paid the full shortage, Fifth Third Bank claims I was still {$6.00} short last month, and uses this as an excuse to charge me a {$50.00} late fee. 

I think what Fifth Third Bank is doing should be illegal and should be investigated into. 

Thank you kindly for your consideration. 

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

I recently received an alert from Experian that indicated that the balance on my installment loans had increased by {$200.00} dollars which resulted in my credit score dropping by 18 points. The Experian member portal, did not specify which of the two installment loan accounts that are currently open on my credit profile this amount pertains to.

I therefore contacted both creditors to ascertain which and gain more information. Both XXXX XXXX XXXX and XXXX XXXX confirmed that my accounts are being handled satisfactorily and there were no adjustments reported to Experian.

I tried disputing the information online via the Experian website, but received an error message ( attached ) that suggested that i call instead. After being hung up on multiple times by several Experian member services agents, i eventually spoke to a representative who advised me that she could not file a dispute for me and suggested that i call XXXX  at XXXX. 

I couldn't understand why i was being directed to contact XXXX  when Experian is the Bureau that's hurting my credit without any obvious reason or explanation, therefore i decided to address the situation via this medium.

There seem to be something amiss with the Experian scoring model as my credit score with this bureau is 70 points lower than the other two major bureaus, despite they all having similar data. I will hasten to add, this reported increase in my installment loans is not being reflected by neither of the other two major credit bureaus ( XXXX or XXXX XXXX ).
Product: Checking or savings account

I need Chime to honor my durable power of attorney that we completed XXXX  years ago when we got married. They are requiring witness signatures on the document but that wasnt what we were directed to do by the lawyer. The poa is XXXX signed and notarized so I cant alter it. My husband was in a wreck in XXXX, XXXX  on Tuesday and he is XXXX  and XXXX. Im in XXXX, XXXX  and I need access to those funds to travel to XXXX. I am also his XXXX XXXX XXXX XXXX.
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 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Has Violated my rights. 
I looked at my Equifax credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed these accounts from their records. I have also directly contacted the companies associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. Please have these accounts DELETED for once : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

3rd time this company has tried to collect for a fictitious debt. I filed a complaint about this same company on this site before, so this time the company has changed the name of the phony debtor. This is not my debt. The last time this happened, I called the company. They said the social security # they had did not match mine. They apologized and said they would stop sending bills to me. I 'm getting tired of this, it is a scam. I do not owe any outstanding debts to anyone.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$990.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXXXXXX XXXX XXXX XXXX : {$120.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/year> XXXX XXXXXXXX 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/year>
Product: Debt collection

I am a victim of frod and I wanted to see if they have a forward flow agreement with my signature
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my XXXX XXXX. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Chex Systems , Inc . 
Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Consumer Report Dear ChexSystems, I am writing to formally dispute certain items on my consumer report as provided by ChexSystems. Pursuant to the Fair Credit Reporting Act ( FCRA ), I have the right to challenge information that I believe to be inaccurate or unverifiable. This letter serves as my formal dispute regarding the following items on my consumer report : Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone Numbers : XXXX XXXX
Product: Credit reporting or other personal consumer reports

My wallet was stolen during a company party. I advised authorities that my wallet along with some of my personal information was stolen in XX/XX/2018. I recently retrieved a copy of my credit profile and noticed accounts and inquiries that I have no affiliation with or any knowledge. I've stressed to the CRA ( XXXX, Equifax, and XXXX ) how stressful this is and its impacting my ability to obtain credit. This is also in violation of 15 USC 1681, furnishing information to my account without my permission, and as a result of identity theft. 
The accounts that are listed on my credit profile are : XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX The inquiries listed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXL, XXXX, XXXX OF XXXX Again I have no knowledge of the accounts
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to dispute the inaccurate reporting of my payment status by CarMax Auto Finance, which has adversely affected my credit. Despite making my payments on time, CarMax Auto Finance has incorrectly reported that I was late. This reporting error has negatively impacted my ability to secure loans and other financial services. While I am aware of at least one instance where CarMax Auto Finance reported my payment inaccurately, I am uncertain if this has occurred on other occasions. I am requesting a thorough investigation into my account to identify any other potential inaccuracies
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up complaint in order to ensure that these items : XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX Date Updated XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX are Deleted from my file to prevent their erroneous reporting in my file
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes to delete an remove all inaccurate information on my credit report with transunion that is hurting my file an needs to be updated. this issue has caused alot of denials. please review an remove all listed items that are invalid to help clear my credit report asap.