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

When I was released from XXXX  on XX/XX/XXXX I realized that my account had several transactions that were fraudulent. I have filed a dispute with chime bank regarding these transactions. I have provided them with verification that I was in jail during the time of these transactions and could not have made them myself. They have closed my dispute 2 times and said that no error has occurred. The last time I filed a rebuttal and they stated that I would have access to the fund today and be able to used my account as of XX/XX/XXXX but once again I was told that I could not have access to these funds and that I have to wait even longer. I have already waited over 30 days and continue to get the run around from chime banking. I have children and have been stranded out of state after having to attend a funeral of a dear family members and I am unable to get home due to my funds being caught up and not available for me to use. My kids are hungry and my bills are due and we are stuck staying in my car while waiting on these funds. We have been stranded for over 30 days and I cant wait any longer for these funds to be available to me. It is deeply important for the well being of my children and myself that the bank provides the provisional credit as they stated they would so my children and I may go home and I can take care of my financial obligations.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Subject : Request for Method of Verification and Continued Dispute of Charge-Off XXXX XXXX Account To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the XXXX XXXX account # XXXX I previously sent a dispute letter requesting the removal of this charge-off based on the XXXX form I received, which indicates that the debt was canceled. 

Under the Fair Credit Reporting Act ( FCRA ) XXXX ( a ) ( XXXX ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : XXXX. The method used to verify the accuracy of this charge-off. 

XXXX. The name and contact information of the person or entity that provided the verification. XXXX. Copies of any documents or records used in the reinvestigation process. 

The FCRA XXXX ( a ) ( XXXX ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA XXXX ( a ) ( XXXX ) ( A ). 

Please provide me with the requested information and update my credit report accordingly. I expect a response within the XXXX period allowed by law. 

Thank you for your attention to this matter. 


Attachments : XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2023 we changed our home insurance from XXXX to XXXX. When we changed, I provided XXXX  with information regarding our loan to get the payment handled since it is all through the loan. There was some sort of miscommunication between XXXX and Freedom Mortgage, so our insurance was not paid immediately. This resulted in Freedom Mortgage thinking we didnt have insurance and signing us up for one even though we were signed up for XXXX. In XXXX 2023 I was called in resolve the issue. I was told by a representative from Freedom Mortgage that it is all handled now. In XXXX 2023 our mortgage went up again. The insurance we were signed up for by freedom mortgage had not been canceled/we had not received a refund for the insurance. Since then I have been trying to get the name of the insurance from them so I can make an effort to cancel it and have not been given anything. We are paying for two home insurances, one which they wrongfully signed us up for due to a miscommunication and are now withholding information from us, even though we have asked, and claimed that they sent a letter to us in XXXX that we do not have. Now they are refusing to provide us with any information and sold our loan to another company.
Product: Checking or savings account

I opened a checkings and savings account with Ally bank and transferred in {$180000.00} from my XXXX  XXXX XXXX Checkings to Ally Checkings and then Ally Savings. Then, I wanted my money back in that very same XXXX  XXXX XXXX account. I moved it all back from Ally Bank Savings into Checkings. Since they did not allow more than {$10000.00} in transfer at a time, I hade XXXX separate transactions back to my XXXX  XXXX XXXX. They locked me out of my account while the transfers are in limbo and I no longer have access to my life savings. I am utterly distraught, worried about whether I can keep up on payments. They refuse to unlock my account despite verifying my identity 6+ times over the last two weeks as they do no reveal details of the " investigation '' they are conducting. I have been provided no ETA of when this matter will resolve. Most bank accounts will just unlock your account same day weeks but I've been sitting in near poverty for almost XXXX weeks. 

Lastly, one instance I called someone, verified my identity with SSN, security questions, etc and the caller asked me if I am the owner of the account to which I responded " Yes ''. They then promptly said they will disconnect my line because I am not the owner of the account. This sounds so scummy and fishy!
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB AUTO FINANCE obtained a copy of my XXXX credit report on XX/XX/22 without my consent or permission. I have no relationship with them nor have I applied for any credit products from them.
Product: Debt collection

I never had a XXXX credit card before and I noticed that this collection agency put this in my credit file. Please investigate this matter and I would like to remove it from my credit report.
Product: Debt collection

I have submitted documentation ( bankruptcy documents ) to Solo Funds and their website continues to state that I pay what I owe. They are also claiming that I am requesting loans which is false.
Product: Credit reporting or other personal consumer reports

Sent a request to have XXXX XXXX removed from my Transunion and XXXX account numerous times, still has not been removed. Info is incorrect and fraudulent.
Product: Mortgage

My mortgage is currently serviced by Selene Finance. From XX/XX/XXXX to XX/XX/XXXX, Selene collected over {$30000.00} from the Indianas Hardest Hit Fund. This program is governed by the Indiana Housing and Community Development Authority, with original funding coming from US Department of Housing and Urban Development ( HUD ). HUD established these programs to offer mortgage assistance to unemployed workers, so they could avoid foreclosure. All funds distributed through this program are the product of US Treasury Funds, essentially taxpayer contribution. 
The accounting records that have been provided by Selene are incomplete, since the entire payment history is missing to show application of the {$30000.00} Hardest Hit Funds distributed to them. Furthermore, since the mortgage note is missing, the derivative figures that compile the accounting records cant be determined. It is clear that violations of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since  they knowingly withheld information and reported false records to a Federal Government Agency ( see attached ). 

Selene has also advised that they refuse to offer a standard foreclosure mediation, which is a requirement per Indiana law. This is a clear violation of Indiana Code 32-30-10.5. Per the IN statute, clear notification must be sent to the home owner, giving the option for standard foreclosure mediation. 

Selene is in clear violation of False Claims Act, RESPA law and IN Code 32-10.5. Selene has imposed a foreclosure sale date on XX/XX/XXXX.  Overall, I feel deceived by Selene on a number of counts and I am seeking your assistance on this matter. You can reach me via email at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have asked a 3 bureaus to fix the inaccurate info on my credit reports last 3 months i have submitted claims about the XXXX XXXX credit card account on my file it is still being reported as a charge off of {$90.00} and it is showing paid and that i still owe. 

my account became late due to XXXX and i requested it be closed the card issuer did not and i became sick and XXXX and the late just kepted adding on i contacted XXXX XXXX and paid balance they said i owed they said it would be corrected on there end..
Product: Credit reporting or other personal consumer reports

I have requested some help in terms of these accounts that are being reported inaccurately on my credit report, please see attached documents.
Product: Debt collection

XXXX XXXX XXXX XXXX submitted a case to collection agency, XXXX The debt that has been reported is not true because when I moved out of the apartment, I had to submit a notice to terminate the lease as well. The manager of the apartments at the time made it very clear my situation was squared away. I had to wait on the new apartments to give us a date to move in but she had to have proof to hersupervisor that I was not just squandering in the apartment. So, she made me sign a new lease just incase. Well, now, I am still stuck with that charge. It is on my credit. I needed info from XXXX as to why. The account manager, XXXX XXXX called me back, and was very reluctant to help. He refused my request for a manager or his superior, asking " Why does it matter? ". I need this rectified as soon as possible. I need true answers as to why I am still owing debt I was not supposed to be liable for, where are rhethe papers filed With the apartment complex before it went to collections?
Product: Vehicle loan or lease

I took a loan out for a XXXX XXXX XXXX Bank of America and they have been charging me double for the last two months. They claim it is a system error but its happened the last 60 days. They say its happening to other customers yet they have not fixed it yet and they are scamming customers out of double payments.
Product: Checking or savings account

Someone stole my identity and open another account in my name. I spoke to one of the workers at the bank but I'm still getting emails with the bank account information, in this was in XXXX. 

My account was was charged overdraft fees excessively in XXXX
Product: Student loan

XX/XX/XXXX THIS IS CONTINUATION OF MY PREVIOUS COMPLAINT, BUT I HAVE NOT HEARD FROM THEM TO RESOLVE THE MATTER, PLEASE PROVIDE UPDATE, SEE COMPLAINT BELOW ***************************** I WAS ENROLLED TO XXXX XXXX IN XXXX IN XX/XX/XXXX - THROUGH XXXX - THEY GOT ME XXXX STUDENT PRIVATE LOANS THROUGH THEIR LENDERS AND FED STUDENT LOANS - I WAS BORN AND RAISED IN XXXX, PA AND EXCELLED IN HIGH SCHOOL AND XXXX COLLEGE -I TOOK THEIR ASSESSMENT EXAMS AND PASSED THEM AND WAS ADMITTED TO XXXX XXXX PROGRAM- HOWEVER, I ALONG WITH SEVERAL STUDENTS STRUGGLED UNDERSTANDING XXXX INSTRUCTORS, WHO WERE TRYING TO TEACH US IN XXXX, AND THIS BECAME VERY XXXX AND I COULD NT UNDERSTAND THEM AND COULD NT FOCUS. SO AFTER 2 YEARS I DROPPED OUT AND STARTED FROM SCRATCH IN XXXX COLLEGE IN XXXX - I RESUMED MY STUDENT LOAN PAYMENTS WITH XXXX ETC ... BUT WAS UNABLE TO REACH MY LENDER DIRECTLY WHICH HAD SOLD MY LOAN TO 3RD PARTY - XXXX, WHICH ADDED HUGE COLLECTION PENALTIES TO MY LOAN - AND THEN KEPT CHANGING COLLECTION AGENCIES - I 'VE MADE ATTEMPTS TO REACH A REASONABLE PAYMENT PLAN WITH THEM, BUT NO SUCCESS - RECENTLY THIS LOAN WAS SOLD TO TRANSWORD SYSTEMS INC- ACT / XXXX - I FOLLOWED UP WITH THEM TO SET UP SOME REPAYMENT PROGRAM, THEY SAID THEY CAN NOT DO IT, AND WILL FILE JUDGMENT AGAINST ME AND FORWARDED MY ACCOUNT TO XXXX XXXXXXXX -- -- -XXXX ON - I NEED ASSISTANCE AND GUIDANCE. - BASED ON MY RESEARCH, XXXX HAS DESTROYED STUDENT 'S CREDITS AND FUTURE BY NOT WORKING WITH THEM. 
ALL I 'VE REQUESTED THEM IS TO WORK WITH ME, SET UP REASONABLE TERMS / CONDITIONS FOR REPAYMENT PLAN- I 'VE GOT A GOOD PAYING CONTRACT JOB AND AM WILLING TO MAKE PAYMENTS *********************************************** XX/XX/XXXX I HAVE RECD LOAN COPIES, ITS PARTIAL PROMISSORY NOTE, ITS MISSING SEVERAL PAGES AND MY SIGNATURES. 
ALSO, I 'M REQUESTING THAT MY DAD XXXX XXXX CELL-CAN BE CONTACTED FOR FURTHER COMMUNICATION ( I AUTHORIZE HIM TO SPEAK WITH YOU ) THANKS
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX - XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

Bought crypto on my account XXXX XXXX and unable to access it because my XXXX is locked. Submitted a useless ticket to their nonexistent customer service who never replied email nor their chat. I just want my money and for them to stop robbing people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with the accounts mentioned below. The current statuses should not be showing late because I always made my payments on time. TRANSUNION lacks proper record keeping. These accounts are closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. It seems TRANSUNION is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. 


XXXX XXXX XXXX XXXX LOAN MGMT SER XXXX
Product: Student loan

I contacted Wells Fargo on XX/XX/XXXX through my online Message Center regarding my student loan with the below concern. On XX/XX/XXXX I received a confirmation my message was received & forwarded to the Executive Office team, but have never received a response by email, mail, or phone & I'm extremely disappointed in the lack of follow-through in their complaint department. 

I need a thorough review and explanation of my Wells Fargo Student Loan 's  repayment period with corrections made to the balance & payment application. This is supposedly a 120 month ( 10 year ) repayment student loan with an originating lending amount of {$10000.00}. However, after making monthly payments for over five years I've only paid {$2700.00} of principal. The current balance of {$12000.00} is still more than the original loan amount so I can not understand how the 120 month loan I was sold in XXXX is still not halfway paid off halfway through the payment timeline. I have reviewed all of my recent statements and can not find a disclosure, that I believe is required by Regulation Z, with a payoff timeline based on the minimum payment. There's no way this loan will be paid off during the 120 month period if my monthly payment is only applying approx. {$40.00} towards the principal. I've paid a total of {$12000.00} on this loan in five years ( {$9300.00} was interest ) which seems severely unethical and inaccurate based on the loan sold to me over the phone. Wells Fargo needs to reassess how my payments are being applied & correct this discrepancy.
Product: Credit reporting or other personal consumer reports

Dear XXXX Dispute Resolution Team, I am writing to urgently address fraudulent accounts that have been opened in my name due to the XXXX data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report.

The details of the fraudulent account are as follows : 1. 1. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/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 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: Payday loan

I received a call today from a company stating that their name is " Regional Processing '' ( their phone number is XXXX ) they are threaten to garish my wages for an account from XX/XX/2012. She stated that she would be submitting paperwork to my job to have my checked garnished or I could make a payment over the phone with her. 

I asked was she a debt collector ( she denied ). I asked for the company name that my supposedly account is with ( she could n't give me that information, but gave a random company name - that I have not done business with. I asked for a validation of debt - a contract with my signature ( she stated that she did n't have to give me information and that I should know who my bill is with from XX/XX/2012. 

I informed her that I could not pay a " bill '' that I do not have any knowledge or information about. She threaten again to have my wages garnished if I did n't immediately make a payment. 

The company has called my mother ( yesterday XX/XX/XXXX and today XX/XX/XXXX ) using scare tactics and demanding a payment from her. They are obviously reading off a credit report or some sort because the information that she is stated that they will send people to my home and job ( are old driver license 's number, old/present home addresses, and old employment ) I am being threatened with no resolve. 

If the bill is mine, I have no problem validating it and paying it if it is within reason and the law. 

I need your help please.
Product: Debt collection

This debt was originated from XXXX of XXXX XXXX Ga. I co-signed on a lease for my daughter. The lease was up as of XX/XX/year>. I sent an email stating that I would not be renewing the lease and that all financial responsibility would be over in my name. 
I never heard any response from XXXX XXXX. But in XX/XX/year>, all of sudden I go to apply for credit and was denied because It stated I had a collection on my cbr. I contacted XXXX XXXX and spoke to XXXX and she said they had nothing to do with it that the account was sold to rent recovery. 
In the mean time my daughter contacted rent recovery and they directed her to their on line portal and they offered a settlement of 98 % of if she paid in full that day. She took the offer and the debt showed payed in full and a XXXX balance. When I called them today to ask why they are reporting a debt in my name they stated that they could not accept the settlement that they agreed to take from my daughter. They never refunded the payment. 
The debt was settled and they now can not report it as unpaid. Furthermore they can not report it on my credit report because I had no responsibility for the debt after XX/XX/year>.
Product: Mortgage

In XXXX, we filed XXXX XXXX XXXX  because they cut my husband salary and we could not afford the bills that we had. Then the pandemic came and so we applied for the XXXX XXXX XXXX  We were approved for them to make the payments on our mortgage. So, the first amount that was paid to the company was XXXX and this amount was applied to months that were already paid by us personally. Then there was another amount XXXX that was paid XX/XX/XXXX and then there was another payment of over XXXX and still was being applied to months that were already paid. So, when I would call them about the payments being applied to the wrong months, they would never fix the problem. Then we stopped getting our mortgage statements in XXXX of XXXX for a whole year. Then all of a sudden the statements stated back in XXXX of XXXX. We allied for a loss mitigation loan in XXXX of XXXX and we would send them all of the information that was required every time they stated that the application was incomplete. I even called every other day to make sure that they received the required information. Then in XXXX they tell us that the information that we sent in for the mitigation was expired even after sending the information several times. They still stated that we needed to resend the information all over again. So, by this time I am exhausted with this company because we have had so many problems with them and have not received the correct information. So at the end of XXXX we were served a foreclosure seizure notice with the loss mitigation still in process. Then, they approved the loss mitigation for XXXX months of the current payment amount. They we received XXXX of the same letters in the mail stating the same thing with another letter stating that the loss mitigation application was incomplete even though they approved the application. I do not know what else to do. I have kept in contact with this company to work out a plan for us to keep our home but we have been getting so many mixed messages from different employees who do not know what they are doing. I just need to make someone aware of how this company is practicing with their customers. I also noticed on a current statement that they have increased the mortgage payment for the month of XXXX with is totally different on other statements. So, I want to know why there was an increase for XXXX, XX/XX/XXXX with no explanation. I just need someone to help my husband and myself with this company.
Product: Credit reporting or other personal consumer reports

Trans Union XXXX XXXX Please delete these addresses off of my report and phone numbers and names they are affected by credit report and my credit and my life
Product: Credit reporting or other personal consumer reports

Fraudulent activity regarding a hard inquiry on my Transunion credit report from XXXX XXXX  XXXX on XX/XX/2023. After speaking to the issuer, i was notified that no accounts have been issued, but still, there is a hard inquiry on my credit report that was not made by me.