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

I had opened an account with Chime after hearing about it from my wife, Ive been with chime maybe around 2 months now And now they have suspended my account because they claim there is fraudulent activity on my account. this was 2 weeks ago so I just went ahead and told them I wouldnt be using them anymore for my money due to lack of professionalism from their customer service reps who have little to no knowledge of their product. So I go into my companies website and change my direct deposit information. Little did I know it was approved so my information for direct deposit still had the chime account on there. So I get paid and it direct deposits into my chime account so I thought its not big deal I can fix this with chime. Boy was I wrong, so I contact chime through phone at first got no help there. I was told to contact via email. So I do and this was Friday XX/XX/2021. I contact them through email and they are just giving me the run around. I thought never mind Ill contact my employers and get them to ask for my paycheck back. Unfortunately they couldnt do anything because on their end it shows my check already deposited into chime account. So now its Saturday morning XX/XX/2021 now Its getting worst because theyre taking hours to reply back. They asked for all my information and I give it to them just so they can send my paycheck back to my employers. It is now XX/XX/2021 and they have not even tried to give me access back into my account or my paycheck. I am running on fumes right now because I have no money for gasoline for my vehicle and and food for my apartment because they keep playing games with me. And I forgot to mention they had done to my wife too a week before they did that to mine.
Product: Debt collection

The company, Midland credit management is reporting negative to all three credit bureaus as reporting is a negative item I have written to them several times, asking them to provide verification. Ive written to all three credit agencies asking for written verification, and no one has responded. Its been 110 % complete neglect. This debt is not tied to anything existing on my credit and needs to be removed. Its currently being reported on XXXX XXXX will not respond and Midland credit management will not respond but its showing as a negative I want to escalate this item and I want to removed asap
Product: Credit reporting or other personal consumer reports

I am filing a complaint to request a reinvestigation of the following account on my credit report, as I believe there are inaccuracies : Account Name XXXX XXXX Account Number : XXXX I ask that the Consumer Financial Protection Bureau assist in ensuring the accuracy of the information being reported, as required under the Fair Credit Reporting Act ( FCRA ). Please investigate and correct any inaccuracies promptly. Thank you.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I received a notification in my cellphone that I have a pending transaction in XXXX XXXX  App. As I check it there is a pending transfer and immediately I called XXXX XXXX using my cellphone and my cellphone can not doesn't have an outgoing call. So, i used my employer 's landline phone. And I check my other bank accounts chase and XXXX the XXXX have a pending XXXX transfer and Chase account is freezed. When I call chase, they told me that there is a wire transfer of two transactions of XXXX dollars, total of XXXX dollars. I told them it's unauthorized and that is not me. And they said I need to file a complaint or affidavit letter which they will provide. So the next day, XX/XX/2021. I went to chase branch near in my place and file the " forgery packet '' which they provide and sent it to them with the help of their local branch which confirmed they received it. And on XX/XX/2021, I went to the XXXX Police department to file a police report and send the report to chase to their local branch thru fax on XX/XX/XXXX and XX/XX/XXXX to resend the " police report from XXXX Police department '' and the form from FTC for the identity theft report and the form which I filed from IC3 online. I send the 3 supporting documents to them even they did not requested it. Since XX/XX/XXXX, every day I am calling Chase claim department just to make follow up of the status of my claim. I am so desperate that I need the money back to my account because I have so many obligations like mortgage and recently my son is XXXX XXXX and that cause me and my wife to XXXX more than XXXX weeks on XX/XX/XXXX XXXX. We are being depleted to our funds. And when I call chase last monday XX/XX/2021 to follow up again and they said that I need to wait for 5 business days after the escalation of the status of my claim for the fraudulent wire transfer of XXXX. I just received the letter from chase denying my claim that I reported on XX/XX/2021 and filed an affidavit or their forgery packet on XX/XX/2021 and send the supporting documents on my claim. On their letter they said that I benefited from this fraud. That is not true. My account from them is been compromised as well my other bank accounts and online monetary site like XXXXXXXX XXXX, XXXX XXXX and XXXX XXXX. All of them have refunded me and reversed all the fraudulent transaction happen on XX/XX/XXXX. And on XX/XX/XXXX, I received a letter from XXXX stating that my account from them have been compromised and unauthorized activity happen on that day, XX/XX/XXXX. 
PLEASE HELP!! I AM DESPERATE TO RECOVER MY MONEY IN OUR BANK. ME AND MY WIFE IS WORKING IN THE XXXX AND THIS THINGS HAPPEN. CHASE DECISION IS WRONG! PLEASE HELP US!
Product: Debt collection

Many years ago I had a payday loan online, it was paid many years ago ( four or five years ago ) and a company claiming to be collecting a debt has been calling my phone, and my family 's phone relentlessly. When I picked up, I informed the person calling that I had no unresolved or outstanding debts yet they continue to call me and my family. When I researched the number that was calling there were many webpages stating that this was a phishing scam, in which companies take your social security number from old aggregate/loan sites and claim you owe money that they can extort by making all of these awful phone calls. I have contacted the XXXX, the federal trade commission, the attorney general of my state and now the cfpb. I will continue filing complaints until the receive the proper cease and assist and follow up with legal action if necessary.
Product: Debt collection

Certified letter sent to Kramer & Frank on XXXX/XXXX/15, signed for on XXXX/XXXX/15 requesting validation of debt and to cease all phone communication. Requested communication of this matter to only be in writing at my address. Received telephone call from Kramer & Frank on XXXX/XXXX/15 violating my request to only contact me via mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX XXXX XXXX appeared on my report with a balance of {$12000.00}. I submitted a report with CFPB case number XXXX and received the attached report from XXXX XXXX  XXXX with no record of the account.
Product: Credit reporting

My information has been compromised and I 'm just now getting copies of my credit report and all the HARD INQUIRIES ARE NOT MINE. THEY ARE FRAUDULENT AND I WANT THEM REMOVED.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX have been notified as well as XXXX XXXX of the XXXXr accounts that were opened in my name XXXX XXXX and XXXX XX/XX/year>. They both were unrespknsive of the fraudulent report that its debt collector XXXX from XXXX XXXX XXXX had informed me that they will send out within XXXX business days. It is an unfair act to have to pay for a fraudulent act of service in which my personal information was stolen and used in multiple data breaches and also at auto dealerships to obtain goods and services in which I had no knowledge about until I inquired. XXXXXXXX XXXX  rep was asked to present signature with my name and joint account holders name in which they were responsive and was asked to send photo of docs and signature in which the sent docs with signature and no Id. The signature was not mine.
Product: Credit reporting or other personal consumer reports

I have filled out an identity theft report and attached it below which includes the multiple unknown inquiries on my report
Product: Student loan

I am in the Public Service Loan Forgiveness program. I have been continuously employed at the same institution since XX/XX/XXXX, have made all scheduled payments, and have submitted annual employer verification forms. I have kept records of all my payments On XX/XX/XXXX received a " Pslf Qualifying Payment Update '' after submission of my annual employer verification form. It accurately  listed 14 qualifying payments between the period of XX/XX/XXXX - XX/XX/XXXX. 

Today ( unprompted ) I received another " Pslf Qualifying Payment Update '' that counts only 2 payments in that same time period XXXX XX/XX/XXXX - XX/XX/XXXX ). I do not know why they are counting 2 instead of 14. Again, no changes in employer or payments or any reason at all why 12 payments should not be counted! 

It appears the reason why these payments are not counted is because in spite of the fact that I submitted annual requests to avoid " in school deferment '' of my loans ( most recently, submitted " School Related Deferment Waiver '' on XX/XX/XXXX and received confirmation by phone on XX/XX/XXXX that it had been approved ), they *retroactively* put me into School Related Deferment beginning on XX/XX/XXXX, *retroactively* counted my on-time payments therefore as " pay ahead, '' and therefore are not counting them toward public service loan forgiveness. 

This is an absurd abuse of the In-School Deferment Waiver ( which I did not want or use and which I clearly attempted to waive in writing using their online form ) in an attempt to assure I do not receive Public Service Loan Forgiveness. 

Can you assist me in removing this unwanted, retroactive in-school deferment and assuring that my accurate count is reinstated? 

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

On XX/XX/2018 between XXXX my wife received a cold call from a company by the name of First Direct Lending out of XXXX CA. The agent that reached out went by the name of XXXX XXXX NMLS # XXXX. This past summer we where looking into a refinancing on our home loan but never moved forward because the timming was not right. Fast forwarded to yesterday XX/XX/2018 when XXXX contacted my wife, which i believe to be a cold call from information we provided online months ago. He starting selling her on the idea of refinancing our home, being very pushy at that. She stated to him that she really needs to speek to me about it because she let 's me handel such matters. I was at work at the time when my phone alearted me that I had a hard credit inquiry. I called and spook to my wife who said that that XXXX   wanted to do a soft inquiry on my credit and it would not hurt anything. Now with that said he never did his do diligence by stopping the conversion with my wife and contacting me for my concent to pull my credit. Side note shame on my wife for giving out my personal information such as my SSN, income and date of birth to a stranger. With that said it was XXXX 's responsiblity to contact me for consent to pull my credit. He moved forward with pulling my credit without my knowledge. His actions are a pure violation of the FCRA. On top of that he emailed my wife sensitive information on my credit report that she was not privy to. Which i believe violated the privacy act. Any help on this matter would be greatly appreciated. Thank you, XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

Foster & Garbus has repeatedly tried to sue me for old debts that I can prove that I paid. In XXXX they sued me and I won the case. This second attempt to sue me was not done properly. First they called me at least 5 to 7 times a day. In XX/XX/XXXX I contacted their office to ascertain why they were calling this number again and they claimed it was still in their system. It was during that conversation they claimed they would send out documents stating that I owed money. I never received anything in the mail or in person. On XX/XX/XXXX I contacted their office after receiving a Judgement letter from the State of New York. Ms. XXXX stated that I was served, and papers were given to a family member. This is not true. I was never served and I live alone. I feel as though this law firm is harassing me for old debts that has been charged off and every method was done to pay it off. I have been in tough with the original owners of the debt. The account was closed and reported to the IRS of which I paid taxes. What they are doing is not legal and now I have a judgement against me, and I must defend my case.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX , XXXX XXXX  XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Payday loan, title loan, or personal loan

I had several open lines of Credit, Synchrony bank today closed all lines, My Carecreditt XXXX with XXXX balance, my Guitar Center Acct XXXX ... XXXX balance, my XXXX XXXX XXXX XXXX XXXX Balance ... my Mastercard PAypal ... with XXXX line of credit XXXX balance currently, my PayPal Credit XXXX line of credit ... XXXX balance ... all act, my Dicks Sporting goods card XXXX line of credit XXXX dollar balance currently ... all accounts are paid current, my XXXX XXXX XXXX score is XXXX and I spoke with them and was told by all 3 credit reporting agencies Im ni good standing, with exceptional paying record, my income is over XXXX ... yet Synchrony shut all my accounts down, and said it was because im a high risk??? and poor payback potential via XXXX XXXX report?? ''?? '' thats a lie, Carecredit, Dicks Sporting goods, Guitar Center, XXXX XXXX accounts have all within past few weeks given me a line of credit increase ... as verified by XXXX XXXX report uploaded
Product: Mortgage

I received a corrected validation of debt notice from Selene Finance. This debt collector started contacting me by phone on XXXX XXXX. I have several calls contacting me during the day and during the night. When I asked them for additional information in regards to the debt that they were collecting, they were unable to give me an answer. After making a research in the XXXX XXXX records, I found that the property that served as a collateral of a loan that was included in my bankruptcy discharged was still under my name, despite the efforts of trying to giving the lender a deed in lieu. Notice that the lender at the time was not the current debt collector. Then i requested a debt validation to Selene Finance and the failed to submit XXXX. After many calls, i finally received a letter dated XXXX/XXXX/XXXX stating that they mailed a validation of debt on XXXX/XXXX/XXXX but they omitted some infromation and now they are sending a corrected validation of debt notice. After I review all this information, this debt collector is threting to sue me for the amount of the debt that they submitted on this notice. The reference debt is past due since XXXX/XXXX/XXXX per Selene Finance records and this debt was inclueded in a Bankruptcy discharged in XXXX. I have checked XXXX and confirmed that the status of limitation on this type of debt has expired and I do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated. This is a violation of the rules and regulations of the CFPB that strictly prohibit creditors and /or collector from attempting to sue a consumer over the time-barred debt.
Product: Checking or savings account

Filed a dispute and Chime is not adhering to regulation e. 

All of the information that they are supposed to provide are not provided and they also misstated what I said in my dispute. Therefore the dispute was denied
Product: Checking or savings account

Hi, On XX/XX/2019, Suntrust bank locked my personal checking account. On that same day, I went in to a branch to inquire about why my account was locked. They would not give me a reason other than Suntrust was choosing not to do business with me anymore, and that I would receive a refund check for the account balance within 7 to 10 business days. The account balance at the time of lock/closure was {$150000.00}. 

10 business days came and went and I did not get a refund check. I called suntrust and was now being told that they intended to hold my money for an un-determined amount of time. They would not tell me why they are holding my money, or when they would release my money. I offered to give them any information they needed for the activity in my account, ( invoices for ach payments, transfers, etc ) they would not accept any of this information. I have periodically called suntrust every few months and each time I get the same info that my account refund is " on hold '' with no determined release date. To date, they have sent me no written communication explaining or acknowledging that they have held my money. The only information I have received from them is over telephone calls I have initiated. IT HAS BEEN 11 MONTHS!!!! and they still have not returned my money. At this point I feel as though they have stolen my money, and I am considering hiring a lawyer to fight them. Please help!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am attempting to negotiate a restructured or modified mortgage loan with my lender Rushmore Loan Management Services. Despite repeated calls to their loss mitigation department, it is impossible to get a human being on the phone to speak with me and no one returns my messages. I have not been assigned a designated point of contact, and they have moved forward with setting a sale date for my property. Rushmore recently sent out a denial letter, based apparently on documents I had sent in months earlier. They stated that I was denied for help due to lack of income, but the figures they were using were not current or correct. But it is impossible to speak with anyone about this so they just move forward with the foreclosure. 

I bought this home in 2008 with a conventional first mortgage through XXXX XXXX and a 2nd mortgage through XXXX with a 10 % down payment. About a year after buying the home problems began as I went through a divorce which hit me hard in the pocketbook due to child support for XXXX kids and legal costs.. A year later I got injured on the job ( I worked as an XXXX ) and ended up having to file through workers compensation in order to collect XXXX. Due to this interruption of income and lack of any reserves I eventually could not keep up and missed some payments on the loan. I began trying to resolve this matter with the original servicers, XXXX and XXXX a few years ago, but it literally took over a year to make any progress with them. They offered me a forbearance agreement that gave me a XXXX5 month break from payments. But then I had to go into applying for a modification through HAMP and this was time consuming and difficult. Eventually I was offered a streamline modification, but instead of offering payment relief this actually RAISED my monthly payment. I appreciated the fact that I had been offered help and did my best to make that monthly payment, but after a few months I defaulted. 

I am in the process of getting my XXXX reinstated in the state of California, and once I am able to go back to work full time doing this I will be back on my feet. To supplement my income I have rented out rooms in my home and have worked as a XXXX and also still receive my XXXX. I expect to be back working as an XXXX within the next year but am concerned that by that time Rushmore will have already foreclosed on my home. I want to save my home, and I expect for my loan servicer to communicate with me. I also have major concerns about the amount of late fees, Attorney fees , drive by inspection fees etc. It seems like Rushmore is charging me duplicate fees on the same day in many instances and I believe they may be taking advantage of me by piling all of this on so that they can write it off as a loss when they foreclose.
Product: Money transfer, virtual currency, or money service

Ok I gave a old phone to a friend and he didnt know how to reset it after I had already reset it for him I moved and then I geuss he restored it well he went to a different person to delete my account off of it but while doing that she wired herself like XXXX dollars I confronted her told her Im calling the police I did and I sent them screen shots all of this and they basically told me Im beat now it was their faulty app that allowed them to send a reset password deal to my email which they also had access to cause Once again had my old phone and their app would not Let me setup the facial recognition at that point so hen I ant them the screen shots and every thing and they got rude basically accused me of stealing my own money me a single mom that dont do anything illegal steal my own fine money I was crying and they said sorry cant do anything about it