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

Subject : XXXX XXXX XXXX  XXXX for XXXX XXXX XXXX and XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX regarding their failure to resolve a fraud dispute and return {$3800.00} that was unlawfully withdrawn from my account. Despite filing XXXX separate disputes, Chime has not refunded my money, causing significant financial distress. 

Details of the Incident : Account Holder : XXXX XXXX Account Number : XXXX Date ( XXXX ) of Fraudulent Transactions : [ Dates of Unauthorized Transactions ] XX/XX/year> Total Amount in Dispute : {$3800.00} Number of Disputes Filed : XXXX Summary : On XX/XX/XXXX I noticed unauthorized transactions totaling {$3800.00} from my Chime account. I immediately contacted XXXX customer service and filed a dispute to report the fraud and request a refund. Over the following weeks, I filed XXXX additional disputes due to lack of response and resolution from Chime. 

Despite my persistent efforts, Chime has failed to return my funds or provide a satisfactory explanation for the delay. This inaction has caused me considerable financial hardship, as I rely on these funds for essential living expenses. 

Request for Resolution : I respectfully request the Consumer Financial Protection Bureau to investigate this matter and assist in securing the prompt return of my {$3800.00}. Additionally, I urge the CFPB to ensure that Chime reviews and improves its dispute resolution processes to prevent similar issues for other consumers. 

Thank you for your attention to this urgent matter. I look forward to your assistance in resolving this issue promptly. 

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

THERE ARE  XXXX  ACCOUNTS THAT ARE NOT REPORTING CORRECTLY AND EXPERIAN WILL NOT ALLOW ME TO DISPUTE THEM
Product: Credit reporting or other personal consumer reports

In summary, due to the multitude of inaccuracies reported by these furnishers to XXXX, and due to the irreparable harm to me caused by these furnishers, I am demanding these accounts to be deleted from my credit report immediately. I previously disputed these accounts in XX/XX/ and the furnishes and/or XXXX added more inaccurate and negative information to my credit report, resulting in my inability to now purchase a home. This was not the case prior to them adding additional inaccuracies to my credit report. 

These egregious inaccuracies have caused me to be denied credit and the inability to obtain a conventional mortgage. Due to these inaccuracies, I have been unable to secure a home for my family. I can not fully express to your agency how these errors and inaccuracies have caused me emotional duress, stress and the inability to generate wealth for my family. 

The details and my requests are attached to this complaint as a word document.
Product: Consumer Loan

I was approved for a loan that took the place of an existing loan and so it was cancelled out with a new balance to pay monthly. The interest however has increased and when it was time to see if I can lower the payments they said that I could not because I have n't met the criteria on my loan as in terms of when I will be eligible to get a reduced monthly balance to pay per month. They are also harassing me by calling me from work and or at home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against Transunion for allowing XXXX XXXX XXXX to report fraudulent and negative collection accounts on my credit report despite the fact that they know my account is under investigation for identity theft. 

As a victim of identity theft, I have taken all the necessary steps to report this crime and have already filed a complaint with identity.gov. However, Transunion has not taken the appropriate action to block any inaccurate information related to XXXX XXXX XXXX from appearing on my credit report, as required by federal law. 

Furthermore, I am concerned that Transunion is not conducting proper investigations before allowing companies to report information on my credit report. This is unacceptable and goes against the Fair Credit Reporting Act, which requires credit reporting agencies to ensure that all information on a consumer 's credit report is accurate and fair. 

I urge you to investigate this matter thoroughly and take appropriate action against Transunion for allowing fraudulent and negative information to be reported on my credit report. I also request that Transunion remove all inaccurate information related to XXXX XXXX XXXX from my credit report and provide me with a written response within 10 business days, confirming that the information has been removed.
Product: Debt collection

I received a phone call about a courtesy call, someone is purchasing {$750.00} of alcohol, and sneakers and other things! 
I then called all my credit cards to cancel all cards and send new one but none came so I thought they the companies took care of everything!!! 
I called the Police after I was told to do so by these credit card companies!! 
Here is some PDF DOCUMENTS OF THE POLICE REPORTS
Product: Student loan

Payment 1 Confirmation # : XXXX Amount : {$1000.00} Scheduled for : XX/XX/2023 Payment 2 Confirmation # : XXXX Amount : {$1000.00} Scheduled for : XX/XX/2023 Payment 3 Confirmation # : XXXX Amount : {$1000.00} Scheduled for : XX/XX/2023 These 3 payments I made on Edfinancial, but none of them applied to my account. Those do not even show up on my account on the website. I tried to contact the customer service on phone, but the wait-time was longer than 6 hours ( 400mn+ ). I did place a call-back number, but they have not called back yet. This leave me frustrated. For the records, all payments are already deducted from my bank account, and I confirmed with the bank 's customer service.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This letter is your notice that I dispute the above referenced debt. 
This is not my account. I do not owe this balance. I did not open this account. This account was opened without my consent or knowledge. 
I request that you verify this account with all pertinent information, including the original creditors identity principal amount, late charges, interest, and collection costs that have been assessed. 

Please cease all collection efforts for this account until you have provided me the with the validation of said debt, the verification of my personal information and all contracts bearing my ACTUAL SIGNATURE that I have requested and please do not send any computer printouts I want to see actual documents bearing my signature. 

It is a crime to threaten suit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against you. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate these items. My previous letters- all sent certified mail- stated my reasons for an investigation and these reasons were not frivolous in anyway.

I believe your company has violated several of my consumer rights. Specifically, you : -Failed to validate a debt at my request- FDCPA violation -Continued to report a disputed debt to the CRA- FCRA violation -Continued to attempt to collect a disputed debt- FDCPA violation -Ignored my cease and desist- FDCPA violation Not only have you ignored my prior requests for validation of debt also you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : I do mean all XXXX, request. 

Validation of Debt Request - Proof of your right to own/collect this alleged debt. 
- Balance claimed including all fees, interest and penalties. 
- Contract bearing my ACTUAL personal signature ( Not a Computer Printout ). 
- License proof to collect debts in my state. 
- A credit agreement signed by me and you. 
- Documentation of the chain of custody of all paperwork- in short, proof that the paperwork is accurate and came from the original creditor. 
- Copy of my NYS Photo ID which is required to open this type of account.

As you may be aware, " Admission by Silence '' legally means that you had a duty to defend your position but failed to do so and if my claims were untrue you would have been compelled to deny my charges. I will use the Admission by Silence in my defense when I summons you to court or take action against you and your company or law firm. 

Additionally, any attempt on your part to report this alleged debt to my credit reports will be a violation of the Fair Credit Reporting Act. 

Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted.
Product: Mortgage

My loan has been sold several times. My taxes were not escrowed into my loan at closing XXXX 2005, the loan officer told me the taxes were {$1000.00} per year not {$5000.00} they are like {$6000.00} now. When the loan was sold the taxes were now escrowed and since I had a negative escrow account my monthly payments were re-directed to the escrow making the principle and interest payments delinquent. I have tried for years to get caught up. Every year I give them my tax money, I enter into these crazy re-payment plans that I can not afford so I use all my savings to keep up with the plan then I have one bad month ( I work on XXXX ) then the plan gets cancelled because I have no way to come up with an extra {$700.00} - XXXX a month extra on top of my regular payment that also includes taxes and insurance. I have no savings because every cent goes to covering this extra amount. They will not update the payments I make on my credit report so I can not re-finance or even get a loan to catch up.
Product: Debt or credit management

Total credit relief promised to help me fix and paid off my debt. I paid monthly for 18 months XXXX XXXX  and I still have see any result on any thing. I spent so much time playing phone tag with the company. Life happened and I go months without calling, but by now everything should of been taking care of. I just want my money back so I can pay the loan company my self. I was sued cause I was told not to pay the loan and let it go to collection which doesnt help my situation and my credit. I could of put the money towards the loan
Product: Debt collection

On XX/XX/2022 at XXXX, I contacted the National Recovery Agency via phone at : XXXX, after reviewing my credit report and seeing their company listed a Creditor of a collections account for {$500.00}. However, when I called them to get additional information that they could provide about the account, the gentleman who answered the phone was very rude and unprofessional and began to talk over me and did not allow me to ask questions. After a few minutes of asking questions, he then stated he was on a recorded line. When I also advised him that I was recording the call for my protection, he immediately hung up the phone. I immediately called back and a female by the name of " XXXX '' answered and asked if I was XXXX and if I lived in XXXX XXXX, XXXX After I answered and asked if she could give me additional information on the account, she rudely replied, " That's why he hung up on you '' and she hung up the phone as well. When I called back again the same gentleman who I first spoke to answered again and proceeded to hang up the phone yet again. I then called to XXXX and spoke to the representative who stated this company had provided a response for the dispute and verified everything was accurate. When I asked the representative at XXXX to explain their process of verification, she stated they verify with the creditors if the information was correct. I felt this is NOT a fair investigation because of course the CREDITOR will always say it's accurate. These are unacceptable practices by the Credit Bureaus as well as the creditors. They also failed to provide me with any information to verify the medical bill such as a copy of the bill with the date and time that I was supposedly seen at the hospital for verification purposes. I am certain that bill does not belong to me, due to the fact that I have not gone to the ER for ANYTHING within the last seven to eight years. And when I contacted XXXX XXXX XXXX XXXX, phone number : XXXX, the only hospital that I have ever been a patient, they had NO information of me having a collections account or outstanding bill. And when I tried to contact the original creditor XXXX  XXXX XXXX XXXX, they are no longer in business. There should be more protection for consumers. These companies are often times rude and disrespectful. And use scare tactics to bully and threaten consumers into paying for things they do not owe. This is unacceptable and unethical.
Product: Student loan

I've been faithfully paying on my federal student loan for years but HARDLY anything go to my principal. I would like to pay the same amount while it applies to my principal otherwise I will have this loan forever.
Product: Payday loan, title loan, or personal loan

Giggle finance charges much more interest allowed by Georgia law. To get around this they say its not a loan. They say they are giving you money for a portion of your revenue. They take it out weekly like a payday loan. When I blocked my debit card they started taking it out of my checking using information they got when I applied for the loan. I dont believe I ever authorized an ACH but if I did I talked to them on text and told them I revoked authorization but they wont stop. If filed disputes with my bank.
Product: Student loan

My ex did fraud with my all inforation, i contacted the company many times without solution.
Product: Debt collection

To Whom It May Concern, I am filing a complaint about Credence Resource Managements collection efforts for account XXXX. Despite two requests for the assignment contract, I have not received any documentation to validate the debt. This is a violation of FDCPA Section 809 ( a ) and FCRA Section 623. 

Please assist in ensuring the collector provides the required documentation or halts their collection activities.
Product: Checking or savings account

On XX/XX/21, my wife tried to deposit approx. XXXX checks payable to cash for {$37.00} so she could then pay a venue for a ladies XXXX lunch. She went to the branch on XXXX XXXX in XXXX XXXX XXXXXXXX XXXX The banker refused to deposit the checks telling my wife that checks payable to cash could only be negotiated by the writer of the check. The banker also said if my wife deposited the checks through an ATM, that would br fraud and the checks would be returned. The banker referred this to her supervisor, who confirmed that Wells Fargo would not deposit the checks. They told her she needed to return the checks to the XXXX check writers to get legitimate checks. I know that a check made out to cash is payable to the bearer with the endorsement of the holder of the check. My wife left the branch understandably angry and then stopped at the branch of a major competitor who promptly deposited the checks into an account we have them. Can the branch personnel be so ignorant of negotiable instruments or were they just to lazy to do the work?
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer incorrectly has on my credit reports for XXXX and XXXX a missed payment of a missed payment back in XX/XX/2020 which I want corrected to paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my credit report is not showing my mortgage loan update ; shows as closed but I am paying my mortgage every month. I called PennyMac and they said that I must call my lawyer ; I called my lawyer and she said that they never return the letter that she sent them saying that mortgage wasnt included in my bankruptcy.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX - BALANCE {$220.00} Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$350.00} Account Name : XXXX # XXXX OPENED XX/XX/XXXX - BALANCE {$770.00} Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$1700.00} Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX -BALANCE {$1500.00} Account Name : XXXX XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$4000.00} Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$15000.00} Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$170.00} 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
Product: Debt collection

XXXXXXXX  Southeast Toyota Finance ( SETF ) was paid twice in the last 15 days by me, but refuses to show my payment history on its website and has NOT updated my amount owed, by showing the last two payments on its website. 

This matter concerns my lease of a XXXX  XXXX ( XXXX, XXXX ). 

Payments : XXXX of XXXX Acct # XXXX VIN : XXXX I want to make a payment for {$650.00} today ( normal monthly payment today ), but can not because SETF is trying to force a {$1300.00} payment from me. I also can not see my payment history on the SETF website. Thirdly, I already made payments of {$650.00} on XXXX and XXXX XXXX to SETF, but I see no deduction in my money owed to SETF on its website. 

Because SETF is not reducing my money owed to them after I make payments on its website, I am concerned about CONSUMER FRAUD and am filing a complaint with the XXXX XXXX XXXX to ensure SETF updates their financial records before forcing me to make double and triple payments above and beyond what I am required to pay. 

I am a poorly paid school teacher living on a small salary. 

I am asking SETF to update its financial records on my account on its website AND remove all late fees to reflect my last 2 payments made, reduce the amount owed by me on its website and after having done so, I will make the 3rd payment as promised to bring the balance owed to XXXX ( XXXX ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Product: Checking or savings account

I went into Regions Bank in XXXX, AL to cash a government check on XX/XX/year>24. They said it couldnt be cashed but could be deposited. The cashier told me there was no hold. That money could be accessed the next day. I told her I needed to pay a vendor by Thursday. On XX/XX/year>24 a letter was received saying there was a hold because they received confidential information that indicates the check may not be paid. On the contrary we have cashed a government check there before. Too I know for a fact that other people with the same check have been able to go in open up accounts and cash the same check with minimal hold.
Product: Credit reporting or other personal consumer reports

In accordance to the fair reporting act. These creditors has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the right to privacy. Under 15 U.S.C. 1681 section 604 A section 2, also states a consumer reporting agency can not furnish account without my written instructions. Under 15 U.S.C. 1666 B a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters to Transunion, XXXX, and XXXX in regards to items listed on my credit report that are not supposed to be there. No changes have been made to my credit report even after sending certified letters requesting the items be removed immediately since these companies have failed to respond to my previous letters before I seek litigation. 
As a consumer I there are laws in place to protect me and these companies continue to be willfully non-compliant. 
I am seeking the help of the CFPB to intervene at this point. 
I will upload all items that were sent to these companies as well as proof of their receipt of these items.
Product: Debt collection

On XX/XX/XXXX, I contacted Ditech Financial regarding an incorrect, negative report at all three of the credit bureaus concerning a debt that is at {$0.00}. I contacted them by phone, fax, and email. A copy of the communication is attached, which shows the house sale by foreclosure, and subsequent house purchase seven months later to a new buyer. 

On XX/XX/XXXX, after no response, I contacted Ditech again by email requesting a status update and communication from Ditech concerning this serious error. I received no response from Ditech. 

On XX/XX/XXXX, I contacted Ditech by phone and spoke with seven customer service representatives, who passed me around and told me to call XXXX XXXX. I spoke with XXXX XXXX who apologized for Ditech trying to " get rid of me and the issue '', but they confirmed that the only outstanding loan on the property belongs to the people who purchased this home in XX/XX/XXXX, and told me to call Ditech back. 

Finally, I reached a woman named XXXX XXXX, with Ditech, on XX/XX/XXXX, she looked into the issue and then confirmed that the issue was rectified on XX/XX/XXXX, by email, and that incorrect information has been reported against me at the credit bureaus. A copy of the email is attached. She stated that the credit bureaus had been resubmitted the information and my balance was {$0.00} for this debt. This was corrected in XX/XX/XXXX, by Ditech. 

Then in XX/XX/XXXX, Ditech resubmitted the fake information back to all three credit bureaus and now have debt collectors calling me for a falsified outstanding debt. They call at all hours of the day. 

On XX/XX/XXXX, I was denied a loan based on Ditech 's false reporting of this debt to the credit bureaus. I sent XXXX XXXX at Ditech an email on XX/XX/XXXX, requesting immediate action or I would be seeking relief for Ditech 's egregious behavior. I am seeking intervention as Ditech should not be allowed to purposely report false information, after confirming the original information was false, in order to harm a consumer. I am requesting this department to assist me in rectifying Ditech 's treatment of me, continued harassment, and their continued reporting of false information to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX / {$0.00} / XX/XX/XXXXXXXX XXXX XXXX  / {$0.00} / XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Was denied the ability to cash a check based on information provided by Certegy. Requested my file and there is nothing in the file, so not sure why the transaction was denied and how to resolve this again.