23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

well there is fraud on my account this is not my info
Product: Checking or savings account

On XX/XX/XXXX someone hacked my chime account and entered my account they changed my number to theirs. Chime allowed them to transfer {$900.00} and declined my dispute saying they found no error. The same person also completed three of the same transactions at coach outlets in the amount of {$1200.00} for a total of {$3500.00} was stolen from me. I have read multiple forums on XXXX of people going through the same issue and chime taking 0 accountability and refusing to return their money. This person was able to completely by pass the log in codes that were being sent to my phone and login on a device Ive never used in a city Ive never been to. Ive been a chime customer for 8+ years and have never filed a dispute with them. Someone attempted to make a {$30.00} purchase from XXXX XXXX a week prior and chime texted me to verify if it was me but didnt feel the need to verify or flag the suspicious transactions that were the exact same and suspicious activity that has never occurred on my account. Chime will not let me dispute the coach purchases until they have finalized. I have made a police report and will be reporting them further and taking action until this is all resolved and I rightfully get my money returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and the aII need to be deleted from my credit report. I've contacted the FTC and the police. I'm doing this on my own. There are still items on my credit that are not mine. XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX. INQUIRIES : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked all 3 credit bureaus to investigate an account that XXXX XXXX added to my credit reports. 

In accordance to the Fair Credit REporting Action, Section 609 ( a ) ( 1 ) ( A ), I requested by federal law the verification i.e. through the physical verification of the original signed consumer contract for the account. To date I have not seen or been provided evidence of such. I request to see some verifiable proof which would include an Original consumer contract with XXXX XXXX. The failure to properly verify this account has negatively affected my credit. I respectfully ask that this account be removed immediately. 

In addition, please provide me with verified documents where XXXX XXXX purchased an account which it states that I owe. I have no evidence or documents where XXXX XXXX holds any debt that I may owe. 

Lastly, please remove all non account holding inquiries over 30 days old and add a promotional suppression state to my file as it concerns this XXXX XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute with the following company but have not received the desired results. Please see my attached documents and have the companies remove all unauthorized items immediately. In the attached documents I have provided and stated all information necessary to have these items removed from my consumer report. These companies shall provide me with substantial documentation on how they made their decision if accounts are not removed promptly. They have to prove, one, I gave them permission to furnish and, two, I was clearly giving an opportunity to opt out of reporting in which the law allows if non-public information is being furnished.
Product: Checking or savings account

I am writing to express my concern over an unsettling interaction with Chase Bank that led to the unfair closure of my account and withholding of my funds. 

A few months ago, I deposited a cheque at Chase Bank, which was my two months ' security deposit from my previous apartment. The said amount was successfully recognized and credited to my bank account within a few days. However, distressingly, Chase Bank proceeded to close my account suddenly, without prior notification. More worrisome is the fact that they retained my deposited funds and only provided a refund for the other balance in my account. 

When reaching out to Chase for clarification, I was informed that they could not release my funds before they successfully verified the management company of the apartment complex I previously resided in. It baffles me why they would credit the check to my account in the first place, only to later state that verification of the source of the funds was required. 

Chase Bank, furthermore, indicated that if verification was unsuccessful, my funds would be transferred to the state. It is unsettling that despite funds being clearly entitled to me, they wound up with control that they were not entitled to.
Product: Mortgage

My husband and I have joint protection on our Home Equity Loan from Well Fargo Bank, which is clearly stated on our contract that we signed on XX/XX/XXXX. Our Home Equity Loan is being paid monthly through an automatic payment taken out from our Wells Fargo checking account since we signed up for this loan. My husband passed away last XX/XX/XXXX and when I informed the bank on XX/XX/XXXX of my husband 's death, I was informed that my Smart Payment Plan was cancelled. The bank could not explain why this was canceled so I requested it to be reviewed. 
I requested for a review why our joint protection was canceled without my knowledge since I never changed my payment plan nor I ever signed any document that justify this request for cancelation. 
My automatic payment has been outstanding and never missed any payment. 
I was advised that it might take about 2 weeks to pull the contract to be reviewed. 
On XX/XX/XXXX, I left a message to the Bank representative because I have not heard any responses. 
On XX/XX/XXXX, I got a call back from the bank stating that there was no updates yet and he said to check again after a week. 
On XX/XX/XXXX. I called the bank for a follow up and left a message. 
On XX/XX/XXXX, I called again and spoke with the bank rep and I was told that there was no updates yet and that he will escalate it and will provide a call back on XX/XX/XXXX. 
I did not receive any updates the following week. 
On XX/XX/XXXX, I got a call from the bank rep stating that the Smart Payment Plan was canceled at my request on XX/XX/XXXX. I told the bank that I did not sign any cancelation and that my automatic payment is still going on up to date. And my automatic payment amount remains the same since the first payment of my loan. 
He provided me with a copy of my contract that has the joint protection and a copy of a notice where it says the Smart Payment Plan has been waived. 
Your help is much appreciated and thank you in advance.
Product: Payday loan, title loan, or personal loan

Paying off a loan with Conns Home Plus, in 2 years ( Was set as 3 years ). They precalculate interest, and I have already paid more in payments over 2 years than would be required over 3 years. They continue to say the info is calculated right, but when I calculate it is obvioulsy wrong. They use the rule of 78 which says at this time I should be due a refund of overpaid interest, but they say I still have a balance on my loan. The amount has been increasing drastically every month. In XXXX payoff was supposed to be {$100.00}, I didn't have a payment due for a while so I made my next payment in XXXX ( {$140.00} ). Now my payoff is {$91.00}. The numbers did not add up, so I put all the information without a 2 year amoritization ( As if my payments were paid in 3 years ) and I have already overpaid by {$250.00} with additional amount still owed. Not getting much help other than Conns saying they are right and I still owe this.
Product: Debt collection

Explained to collection company ( Pacific Credit Exchange ) this is not my and i wish to dispute this, they replied " NO '' and hung up the phone on me. mean while the letter my bank received was a Live to take and block my bank account. this is not me in year 1989. never had car nor did i deal with a loan company " EVER '' i need help from you, please. saying i bought a XXXX XXXXXXXX XXXX ... .l never own a car like that. they are leaving me very confused and they wont let me DISPUTE this, Ive done as much as i can to try and clear this MISTAKE with no positive result, so what do i do next?
Product: Debt collection

" I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX. I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists ''. 

I dont own a XXXX  card nor do I work with XXXX XXXX or XXXX  I have not given any signatures or agreed verbally to do any business with any of these companies.
Product: Debt collection

On XX/XX/year>, Consumer Adjustment Co added a derogatory mark on my credit report ( XXXX, XXXX and XXXX ) per XXXX. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, XXXX XXXX XXXX XXXX  has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Mortgage

This has been an ongoing issue with TD bank. I have a mortgage in my name and there have been several times where I made the payment- but for an undisclosed, indeterminate reason, it didn't go through and wasn't processed. TD does not inform me at ALL that the payment didn't go through. For a huge bank in the US, this isn't right. I will get a XXXXXXXX XXXX  correspondence weeks later- but by then they charge me a late fee even through I don't understand why they didn't inform me via text, email, or even faster mail sooner out of a customer courtesy or even a warning before the late fee applies. I ask for the late fee to be waived since I did put the payment in and I have always proved I had the funds for it to process- but they don't care. They said I only get one waiver for the service of the loan and they will not issue anymore, even though this is their fault for the lack of communication. They are unwilling to refund me the late fees for their processing problems when it looks good on my end, and they also refuse to fix this years long problem. 
This is an FHA Loan- it's my first mortgage and I'm frustrated how hard they make the payment experience and also how they won't fix this, but push the late fees onto me.
Product: Mortgage

Today ( XX/XX/2020 ) I tried to pay my mortgage online as every month. Our servicer was switched without our knowledge from XXXX XXXX XXXXXXXX to Specialized Loan Servicing. They failed to even notify us in time, there were several hick ups which I complained about before but those have been resolved. It is way too hard and COSTLY to make a payment over the phone and with any question about our foreberance plan we never wanted to be in ( we never missed a payment but can't reach anybody over the phone ), I tried to make a payment online. 
Paying online should not be hard. This awful company required me to change my password. After I changed the password, I was asked to verify my account with a code sent to my cellphone. After I changed my password, and verified the code, I was once more asked to verify yet another code. After that I was asked to write down a 16 digit code for future verification. By that time my blood pressure must have been through the roof. It should not have been this difficult and lengthy to make a payment. So I called them and hit # 4 for technical problems online to make a payment to find out why I had to change my password in the first place. Of course the person on the other line had a heavy foreign accent ( that was to be expected ). It is hard to believe what she told me : if I only log one once a month ( which is hard enough so I don't plan on logging into my account more than once a month ), I have to change my my password and go through the lengthy verification process every time. This is unacceptable. It seems like they want to make it as difficult to make a payment, as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal request to remove unauthorized inquiries from my credit report. I havent applied for credit because I know my credit is not good due to false and wrong information on my report. I have also never had an account with you.
Product: Mortgage

Yes prior to going into forcloser I requested a hardship relief package when I spoke to the agent helping me we decided to go with a loan modification which would have brought my current just as I needed. She said that she was mailing me out a package of paperwork to fill it out and send back. She told me that this could be a long process I said ok. I received my package and filled out the paperwork and sent back that was the last I heard from freedom mortgage. The next thing I know is Im receiving a letter saying my home is in active foreclosure and my sell date is XXXX XXXX which is 8 days awayXXXX  I thought by law if I was going through a hardship they couldn't put my house up for foreclosure unless I refused for them to help meXXXX. I'm desperate to keep my home PLEASE HELP ME
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a VICTIM of your inquiries Ive tried speaking with customer service representative They would not help and take care of the negative inquiries reporting to my credit report.
Product: Checking or savings account

I get paid biweekly on Fridays. Normally Capital One deposits early and I receive payment on Wednesday afternoon/evening. On XX/XX/year>25 I did not receive an early deposit. They have always said early deposit isnt guaranteed so I waited until today Friday XX/XX/scrub>/25 and my money is still not there. They are making excuses and giving no solid answers and keep lying if they do say anything about a resolution. They are blaming a 3rd party vendor- for nearly 3 days now.
Product: Credit card or prepaid card

I requested Bank of America to reduce my credit card interest rates, pointing out I'd made regular, timely payments for many months. My request was refused. This means I pay interest just short of 30 %, a usurious rate that means paying off my debts is nearly impossible, especially during the current epidemic.
Product: Credit reporting

Transunion is reporting my an overall debt increased that resulted on my FICO score decreasing by over XXXX points. This information is incorrect! I 've been reducing my debt significantly monthly. On personal loans and car loans alone, my debt decreases over XXXX dollars monthly. Yet because I made use of XXXX credit cards last month by an amount much lower than what I paid to several accounts lowering my debt, this company decreased my FICO score. I believe this practice is deceptive. If I understand correctly the FICO score is calculated from XXXX factors. I submitted a dispute but I do n't feel confident nor do I trust Transunion to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit report from Experian # XXXX. On the report Experian is reporting the following information : XXXX # XXXX is reporting 30 days and 60 days late with a XXXX balance on this account? wouldn't the balance be the payment times two? Wouldn't the balance have an amount for the past due amount? if this account was included in a chapter  XXXX bankruptcy the creditor is not allowed to report the terms of the loan, balance, payment or any account information besides the account and the status! 
Experian also has claimed that they contacted the creditor which I did as well and was told the account was sold to another creditor and I would have to contact that creditor to get information for the account and that creditor is not showing on my credit report!
Product: Credit reporting or other personal consumer reports

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


Account Name :XX/XX/XXXX # XXXX Account Name :XX/XX/XXXX # XXXX Account Name : XXXX XXXXXX/XX/XXXX # XXXX Account Name :XX/XX/XXXX XXXX # XXXX Account Name :XX/XX/XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XX/XX/XXXX# XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XX/XX/XXXX # XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XX/XX/XXXX # XXXX 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 15 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 reporting, credit repair services, or other personal consumer reports

There are quite a few inquiries that i did not recognize on my credit report. I will list them below and would like for them to be looked into and removed please thanks.1XXXX XX/XX/XXXX. ( 2 ) XXXX XXXX XX/XX/XXXX. ( 3 ) -XXXX XXXXXXXX XX/XX/XXXX. ( 4 ) -XXXX XXXXXXXX XX/XX/XXXX. ( 5 ) -XXXX XX/XX/XXXX. ( 6 ) -XXXX XXXXXX/XX/XXXX. ( 7 ) XXXX XXXX XXXX XX/XX/XXXX. ( 8 ) -XXXX XXXX  XX/XX/XXXX. ( 9 ) XXXX XXXX XX/XX/XXXX. ( 10 ) -XXXX  XX/XX/XXXX. ( 11 ) XXXX XX/XX/XXXX. ( 12 ) -XXXX XXXX XXXX XX/XX/XXXX. ( 13 ) -XXXX XXXX  XX/XX/XXXX. ( 14 ) -XXXX XXXX  XX/XX/XXXX. ( XXXX ) XXXX XXXX XX/XX/XXXX. Please investigate this unrecognizable and unauthorized inquiries please thanks.
Product: Mortgage

My VA loan is serviced by Stearns Lending. I make monthly payments through auto-draft/ACH each month. I see the payment come out of my bank account on a monthly basis, as scheduled and established through Stearns ' website. However, I occasionally get auto-dialer collection calls for past due payments. How can this be, when I have auto-draft scheduled? The payment is made on time, on the same date every month, and is automatically deducted from my bank by Stearns on a monthly basis. So, why am I getting automated collection calls and why is my loan " past due '' if the payment is pre-scheduled on auto-draft?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having an issue with Experian in reference to the details that they are reporting on the membership side of my credit. This is directly affecting my FICO Score. I have repeatedly reached out to their company only to be yelled at by their customer service agents and told that theres nothing they can do and to reach out to different parties that have nothing to do with what Experian is reporting. I am enrolled in Experians monthly membership that allows me to view my credit report at any time. There are no negative indicators whatsoever on my credit report. A fact that the Experian customer service representatives have acknowledged multiple times. The issue is on the membership side of Experian it is showing that I have a serious delinquency of 60 days or greater and that I have one account with a late payment indicator. This is not present anywhere on my credit report and I am asking Experian to correct and update the information that they are reporting. They have refused and failed to do this on multiple occasions. If my credit report is not reflecting any negative indicators I should not have negative indicators on the membership side of Experian that they are sending to FICO. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020. Contract Caller Inc added a derogatory mark on my credit report per Identityiq. Upon, further research, this account was transferred/sold and I am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or SIGNATURE for this accused debt at all. A bill without a signature does not validate the debt and anybody can send me a bill and say its mines. According to the FCRA Contract Caller Inc has violated my rights in multiple ways and I'm requesting legal action to remove this account Immediately.
Product: Credit reporting or other personal consumer reports

I have an inquriy passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I have disputed 4 times in 2024 on both of my XXXX XXXX accounts. Also I have disputed to remove XXXX account 4 times as well in 2024. I was told they were not able to remove them. The XXXX is an old account and should not be on my credit anymore.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL, XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$2300.00} Late/Closed XXXX XXXX XXXX Account XXXX XXXX Open Date XX/XX/XXXX Balance : {$370.00} Late/Closed Inquiries NOT Included in Dispute : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX Negative accounts NOT Included in Dispute : XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$3900.00} XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$140.00} XXXX XXXX XXXX Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$2400.00} XXXX XXXX  XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$300.00} Late/Open