23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On the morning of XX/XX/2021 a number of unauthorized purchases were made from my Chime Credit Builder credit card. There were three pending charges for {$660.00}, {$330.00}, and another for {$660.00}. Another charge for {$620.00} did not process due to lack of funds. All of these charges were for businesses in XXXX. The pending charge for {$330.00} would eventually not end up posting ; however, the two {$660.00} charges did post. 

Upon waking up, I immediately contacted Chime to cancel the pending transactions. Chime informed me that they could not stop the transactions until they posted and advised me to file a dispute. I did so immediately - filling out a paper form and answering questions sent to me via the Chime app. 

The dispute was officially opened on XX/XX/2021 by Chime. I am not aware as to why there was a delay. On XX/XX/2021 they closed the dispute. The email was poorly worded, so I mistakenly assumed that they meant I would be refunded my money on XX/XX/2021. 

On XX/XX/2021 I still had not received my money. I called Chime and they advised me that they had declined my dispute but would not give me additional information as to why. I was advised that I could only reopen the dispute if I had new information - I have already provided them with all of the information that I have and since they havent advised me as to why it was declined, I can not give them new details. 

The Chime Dispute team has advised me that only their Dispute Information Team can give me additional information ; however, they can not be reached by phone or email. 

At this point, Im stuck in a loop where they wont let me reopen the dispute without new information but they wont tell me the original information that led to the denial of the dispute.
Product: Mortgage

Mortgage subservicer ( Pacific Union Financial ) changed to another company ( XXXX dba XXXX ) and I only received a 3 day advance notice. As a result, I already scheduled the payment to Pacific Union and I might incur late charges trying to get the payment to the correct company. Is n't there some sort of standard notification when this happens?
Product: Credit card

XX/XX/year>2025 My wallet was stolen after my locker was broken into at XXXX to XXXX XX/XX/XXXX. Relatively soon after i got fraud alerts on my phone from my XXXX and XXXX XXXX XX/XX/XXXX or either or both XXXX and {$300.00} at the local XXXX. I immediately froze those cards and my TD Bank Debit card and Credit card and requested new ones of all. Froze all my credit from the 3 Bureaus as my Drivers license was stolen as well and got a new one. Police report was make XXXX XXXX NJ XXXX XXXX. XXXX and XXXX XXXX immediately recognized as fraudulent. TD bank I reported it stolen, visited the branch by me, got a new Debit card, reported it was stolen. Later noticed on my statement it was unresolved or not under dispute. Returned to the Branch and submitted the police report that became available. Currently The Debit card is in " Provisional Credit '' for XXXX. The Credit card is still with XXXX. Also there was a charge forXX/XX/XXXX.but it looks like it was refunded but just that one. 
Today i received a letter, with a specific SUBJ ID # telling me they will do an investigation. I got another letter, dated the same, with the same SUBJ ID # saying they completed the investigation and determined it " looks to be authorized because no aggressive usage or Depletion of the account. ". Which basically means, the criminal didn't spend what they consider a lot in the short amount of time they had the card. I immediately called the number on the letter and basically got no where except apologies and they will file a new report. I asked about why they had given me credit for the XXXX charge but not the XXXX charge, as if one is fraud, why wouldnt the other be but they said XXXX refunded that which makes no sense to me. Researching the internet of others who had this happen, I'm not expecting much as others have tried multiple, multiple times to resolve the fraudulent charges with no luck and went this option. 
I have taken photos of the Text message Fraudulent alerts from the other, better, better institutions from XX/XX/XXXX, Police report, and XXXX XXXX report. I am on camera working out at the time of the charges.
Product: Debt collection

We ( XXXX XXXX XXXX XXXX XXXX ) received 2 letters from Caine & Weiner, a law firm across the country, attempting to collect a {$13000.00} debt on behalf of " XXXX '' - a company that we had to look up as we had never even heard of them before receiving this letter ( late XX/XX/XXXX ). I left a message for XXXX XXXX ( XXXX ) in XX/XX/XXXX to let her know this was an attempt to collect a false debt and that she needs to contact her client to get the correct info because we do not owe them anything and the below email was also sent on XX/XX/XXXX .... with no response : Good Afternoon, This email is in response to a letter received today ( copy attached ). We are disputing this collection as we have never done business with, applied for credit with nor even heard of XXXX. This is a phantom collection attempt and will be reported to the FTC if any attempts to collect continue. Please confer with XXXX to get the correct account/customer information and provide a written acknowledgement of receipt of this email and how you plan on closing out this account, as again, we do not owe XXXX or Caine & Weiner any funds. I look forward to your response. 

Another email was sent to Ibis and complaints were filed XX/XX/XXXX due to the receipt of another collections letter.
Product: Money transfer, virtual currency, or money service

Amalgamated Token Services Inc., ( Coinlist ) offers XXXXy exchange functions. In XX/XX/2021 I transferred {$500.00} from my XXXX bank account, bought a XXXX called XXXX ( XXXX ) and signed up to have it staked. In XXXX I removed the balance from staking and it had appreciated by price to {$1100.00}. XX/XX/XXXX, I sold into USD but Coinlist is only allowing me to withdraw {$580.00}. I am not able to close my account or access my remaining funds and have sent several support tickets to request this be done. They are located XXXX XXXX XXXX XXXX XXXX, CALIFORNIA XXXX, XXXX XXXX. I've tried to reach them via email, XXXX, support ticket ... no response, no update.
Product: Credit card or prepaid card

XXXX provides cell phone insurance  for lost/stolen or damaged to your cell phones with their US Bank credit card. After reading through the benefit I cancelled my cell phone insurance through my cell phone carrier XXXX. Part of their exhaustive claim process is to include : receipt for new cell phone, receipt for original cell phone, proof the cell phone bill is paid by XXXX XXXX, proof of credit card statement. Once all of this was submitted and accepted they denied the claim stating that the item mysteriously disappeared and due diligence. One could make that argument that anything lost or stolen could fall under this premise. If they would have highlighted these terms consumer could be more wary of a bait and switch scheme. After the claim process was started I received a letter that they will not be offering this benefit after XX/XX/2022 most likely b/c they had hooked enough customers to receive a credit card. I've given all documentation needed for a legitimate claim an am asking they fulfill their obligations. They have stopped communicating with me and are no longer returning phone calls or certified letters ( USPS tracking # XXXX ). My claim # is a XXXX their address is Program Administrator at XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, Ohio XXXX
Product: Mortgage

Due to unforeseen family issues we fell behind on our mortgage payments in XX/XX/XXXX. After months and months of going back and forth with Flagstar Bank we were able to get a loan modification in XX/XX/XXXX. Our first payment of {$1500.00} was due in XX/XX/XXXX and was paid on time. Everything was fine until XX/XX/XXXX when Flagstar sent us a notice that our escrow account was underfunded and that our new payment would be {$2000.00} per month starting in XX/XX/XXXX. This new payment included home owners insurance issued through Flagstar at {$180.00} per month plus the escrow shortage. We had sent them proof of insurance in XX/XX/XXXX and then again in XX/XX/XXXX but they continued to insist we needed to pay the {$180.00} per month. I have a problem with the fact that in late XX/XX/XXXX they go to all the work of a loan modification but didnt look at the escrow account to make sure that it would be properly funded and 4 months later raise our payment by 32 %. 
As we tried to come to an understanding about what they thought we owed and what we thought, we continued to make our original agreed upon payments of {$1500.00} per month. At the time, we did not have the means to pay a lump sum or the extra 46 % increase due to a slow down at my job, so they sent back our XX/XX/XXXX & XX/XX/XXXX payments and started foreclosure proceedings. 
In XX/XX/XXXX I sent in a completed loan modification package for their consideration. Last Tuesday, XX/XX/XXXX, we received a letter from them saying that we were denied a modification because we did not make 12 payments on our previous modification to qualify for a new one.  They also stated that we had recovered from our income shortfall and no longer were qualified for a forbearance. I feel that Flagstar sent back our XX/XX/XXXX & XX/XX/XXXX payments so that they could make this claim, if the occasion ever arose. 
I have recovered from my loss of income and in fact make more now than I did when we were approved for our initial loan modification, but Flagstar seems more interested in Foreclosing than working with us. I have filed a Loss Mitigation Appeal with Flagstar on XX/XX/XXXX ; they said they would give us an answer in 30 days. We need someone other than ourselves to step in and help Flagstar Bank do the right thing and not try and take a home we have been in for a long time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person.i am a living Human Being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC1681. They have violated my rights numerous times. I demand the accouns listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not in any way give Equifax written permission to furnish these accounts. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Account name : XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX Account name : XXXX XXXX XXXX XXXX Account name : US DEPARTMENT OF EDUCATION Account name : XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I most recently had a chance to review the documents sent to my attention on XX/XX/XXXX. Based on the information provided, I disagree with the statement and decision that the case was settled and closed by Consumer Finance and XXXX XXXX. I have done a side by side comparison of my customer account activity statements that were received XX/XX/XXXX, and XX/XX/XXXX. These documents do not match. 

Example of discrepancies. 
On one set of customer account activity statements received XX/XX/XXXX, there are two fees applied on XX/XX/XXXX of {$730.00} for : a. One fee is for Hazard Insurance b. The other fee is for Escrow advance On the other set of customer account activity statements received XX/XX/XXXX, there is only one fee applied on XX/XX/XXXX of {$730.00} for : a. Hazard Insurance Dispersement There are also several {$25.00} fees listed on the customer account activity statements received on XX/XX/XXXX that are not reflected in the customer account activity statements received on XX/XX/XXXX. 

I will be taking legal action on this matter. You can also see a copy of some of the discrepancies attached. This issue goes back years.
Product: Checking or savings account

i went to rent a house in XXXX XXXX fl in XXXX from XXXX XXXX for {$900.00} phone # XXXX mth i signed a lease. he gave me a chase bank XXXX # XXXX the chase bank act belongs to XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX the amount {$1800.00} first mth and depost. to find out he does not own the house and will not return mny and chase will not do nothing for me or cops. 
if u need anymore info please call me at XXXX chase bank wont do nothing about this Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer under subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish any person a record of inquiries concerning a credit or insurance transaction that a consumer does not initiate. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). I am disputing this inquiry on my credit report due to aggravated identity theft. These inquiries were opened or made without my consent using my personal information. As this is an identity theft case, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities. 

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 XXXXXXXX Please send me the documents that prove that I was late. If you can't prove that you had proof, you need to remove these late remarks.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of unauthorized accounts from my credit report due to identity theft. Upon reviewing my report, I discovered accounts that I did not open or authorize. These accounts were fraudulently created using my personal information, and I am not responsible for any charges or activity associated with them. 

I kindly request that these accounts be removed from my credit file as they do not accurately reflect my financial history. I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information on my credit report. I would appreciate your prompt attention to this matter and request written confirmation once the fraudulent accounts have been removed.
Product: Money transfer, virtual currency, or money service

I had an 401k savings account with a balance of {$9800.00} approx. with Wells Fargo from my previous employer ( XXXX XXXX ). Once i was layoff i had to do a rollover from my XXXX Account to another bank Account under my name. On XX/XX/19 i called Wells Fargo Customer Service line and requested the rollover. Several months later i'd noticed the funds were not on my IRA Account and called Wells Fargo again to let them know what happened. The agent i spoke with said the transferred was done on XX/XX/19 to call the bank that manages my IRA account. When i called the bank for my IRA account i was to to request evidence from Wells Fargo showing the Date, Amount, Bank Account, and Routing # to do an investigation. I called Wells Fargo again to request the evidence and a call back from a supervisor. The supervisor 's ( XXXX, XXXX XXXX XXXX ) called back and told me the same info and that the evidence was going to sent which they have not done yet.
Product: Credit card

I requested why was the payment not received. Capital One is saying that they did not receive my payment. I have attached proof of payment submission prior to the deadline here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquired about refinancing recently and first wanted information from different companies. I did not agree to any credit checks from multiple lenders purposely. Rocket mortgage not only pulled credit without my permission on XX/XX/XXXX they repeatedly have sent mail, text, and email to offer me a loan. I had an appointment to discuss details with 2 other lenders. & I never spoke to XXXX at rocket Mortgage ( on the 3rd ), I never gave my social, but he ran my credit report per a letter I received after learning he no longer works at the company. I explained unless they can do better than my current interest rate I am not interested.

I am concerned this may be the tip of the iceberg. They are unusually persistent after being told no. on 3 separate dates by phone. I know this is not the proper procedure and I am sure I am not the only victim.
Product: Credit card or prepaid card

XX/XX/2020 XXXX  report a " hard pull '' from Citibank Na. This  was not initiated by me. I submitted a dispute with XXXX. 

I wrote to Citibank informing them I had not applied for a credit card. No acknowledgement of my letter has been received. 

Today I received notice from XXXX  that a credit card had been opened in my name.
Product: Debt collection

I received a collection account in XX/XX/year> for {$260.00} from an energy company in Texas. I have never lived in Texas. I have only lived in XXXX  and XXXX My credit report is showing XXXX addresses from Texas that are not mine. Someone must have taken my information and used it to make a fraudulent account with the energy provider. I have filed disputes with all XXXX  credit bureaus and because of the fraudulent addresses in Texas they say the information is correct when it is not. I have contacted the collection agency and they will be sending me an affidavit to help prove that I have not lived in TX to try to remove the collection. I have not received any paper documentation of this account, I found out on my XXXX XXXX app. On XXXX I can see all my addresses, and XXXX Texas accounts are listed there among the correct XXXX  and XXXX  ones. 

I also have a fraudulent address in Illinois on my credit report that needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX Credit XXXX and XXXX XXXX XXXX XXXX Credit XXXX XXXX XXXX ) and XXXX XXXX XXXX All of the proof of these accounts are provided in the attachments The following have 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 instructions15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I had a call at XXXX to my business, from a caller-id that said it was 5/3 bank. It was a robo-call asking me to call them back as soon as possible due to a problem with my account. I don't believe I have a 5/3 credit card or account. 

I called back and they insisted on my social security number to give me any information. I of course refused to give it. They insisted, and I of course refused. They refused to look-up the account based on phone-number and insisted I go to a bank-branch tomorrow.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app due to inadequate customer service.Cash app failed to take timely measures to make sure no fraud or anything was involved on there platform. I seek appropriate money back for this
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things were incomplete and not accurate. 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. These accounts [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] are not complete and accurate. 

I sent a notarized affidavit highlighting the inaccurate accounts and asking them to make sure everything is complete and accurate and here is my tracking number - XXXX ( they received it on XX/XX/XXXX ). 

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. 

And according to 15 USC 1681i 5 they are suppose to do this : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. 

Since they did not, I sent another letter on XX/XX/XXXX - Tracking XXXX, requesting them to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

That letter was delivered on XX/XX/XXXX and they did not adhere to that either as you will see from the attachments. 

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing they are still inaccurately reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhowing they are still inaccurately reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681i ( 7 ) XXXX XXXX XXXX XXXX XXXX