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

I am writing to file a formal complaint against Chime Bank regarding the unjustified locking of my account and the refusal to release my funds totaling over {$3000.00}. 

On XX/XX/2021 I discovered that my Chime Bank account had been locked without any prior notice or explanation. I immediately contacted Chime Bank 's customer service to inquire about the reason for the account lock and to request the release of my funds. Despite numerous attempts to get in touch with them, I received vague and unhelpful responses, with no clear explanation as to why my account had been locked. 

As a result of the account lock, I have been unable to access over {$3000.00} in funds that I rely on for my day-to-day expenses and financial obligations. The lack of access to my funds has caused significant financial hardship and distress for me and my family. 

Despite my repeated attempts to provide all necessary documentation and information to verify my identity and resolve any issues, Chime Bank has been unresponsive and has failed to release my funds or provide any clear timeline for resolution. 

I urge the Consumer Financial Protection Bureau to investigate this matter and compel Chime Bank to immediately release my funds and provide a transparent explanation for the account lock. Such actions by Chime Bank go against the principles of consumer protection and fair banking practices. 

I appreciate your attention to this matter and your efforts in ensuring a prompt and fair resolution. Please do not hesitate to contact me if you require any additional information. 

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

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX Employer - XXXXXXXX XXXX XXXX Incorrect Name : - XXXX XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. PER XXXX IN BRIEF, SECTION XXXX PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN XXXX  ( XXXX XXXX ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Debt collection

XXXX-17 My debt {$1100.00} from XXXX XXXX, XXXX XXXX went to Stoneleigh recovery associate debt collection agency and they contact to my ex husband yesterday. ( we divorced 13 years ago ) So today I call this collection agency, this guy was telling me how much information of me they have and which payment I 'm making, where I 'm working..
This is scared me and its frightening.
I wan to know even collect agency can do something like this?
Product: Credit card or prepaid card

I have account with XXXX XXXX ( XXXX XXXX ). I disputed a few unrecognized charges ( unauthorized charges ) but unsuccessful. They put back {$450.00} on XX/XX/XXXX and closed my account without give back {$490.00} annual fee. They charged {$490.00} annual fee to use their card for the whole year which is very high. I would close my account with them after this year anyway. It's only XX/XX/XXXX now and they refuse to give partial fee back. Please help to resolve these issues Thank You
Product: Credit reporting or other personal consumer reports

Equifax What happened ( statement of pertinent facts ) : Date XX/XX/XXXX Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ) XXXX XXXX  on XX/XX/XXXX under account number ( XXXX ) Inquiries at XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my ID and Social Security Card including other personal items, including my computer. They later used my information to obtain Cable at an address that I have never lived, they obtained Cellular services along with a Automobile loan. The following accounts were fraudulently opened in my name and I ask that they be Deleted : XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : XXXX XXXX  Opened : XX/XX/XXXX Amount : XXXX XXXXXXXX  Opened : XX/XX/XXXX Amount : XXXX. 

The following inquiries were also opened in my name : XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX   XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this fraudulent information deleted from my XXXX report. I've never lived at XXXX XXXX XXXX. I've been at my current address since XX/XX/2019. I've filed an FTC report because I believe my identity has been compromised, or there's been an error with someone who has a similar name as me. Please review the information that I am sending & delete this information from my report.
Product: Checking or savings account

My account was closed XXXX XXXX. I had a balance of XXXX left in my account at the time of closing. I have email communication dating back XXXX of XXXX  requesting the funds be returned to us via check. I was told the funds would be returned to the originator of the funds, XXXX and it was not. I later was told moneylion legally has the right to hold the funds for XXXX  years and then they would be returned. I uploaded a power of attorney, my ID, XXXX ID, both of our social security cards to moneylion. They still wont release the funds. I am requesting for the balance of the account along with the lawful interest be sent to us in a check. I will upload the Power of attorney and other documents to this claim.
Product: Vehicle loan or lease

I have no knwoledge of these hard inquiries and that higher inquiries result of identiy theft and I'm requesting it to be removed as per 15 USC 1681, c two
Product: Mortgage

In XX/XX/XXXX I almost lost my home due to foreclosure. I applied for a modification threw XXXX XXXX. My XXXX mortgage. Then they sold to XXXX XXXX XXXX during the process. Fee 's were tacked on from lawyer Fee 's to administration Fee 's as well as a higher interest rate. My XXXX mortgage followed suit, Green tree. Green Tree bought my XXXX mortgage from XXXX XXXX. After fighting with XXXX XXXX XXXX for years I contacted HUD urban housing in XXXX N.H., XXXX XXXX was my contact. Around XX/XX/XXXX he got me a new loan modification threw XXXX XXXX XXXX threw the HAMP program. Green tree was supposed to follow suit but did n't. They have given me the run around for years and caused my credit problems to late payments of my XXXX mortgage. My original XXXX mortgage was {$400.00} a month. My current XXXX mortgage payment is {$770.00} at 9.25 % interest under there modification payment and interest doubled. Also the principle increased. They insist it is not there fault and XXXX XXXX is the lender. I have contacted XXXX XXXX and they are NOT the lender. Green tree also just became Ditch. Any help or would be appreciated. 
XXXX N.H.
Product: Consumer Loan

I have been making payments on my husband 's account for the past few months getting his account paid off. When it came down the the VERY LAST PAYMENT, my account was charged XXXX more than what it was supposed to be charged and the payoff was n't even that much. 
I called on Tuesday, XXXX XXXX at XXXX and spoke with a representative for 15 minutes and 27 seconds ( per my XXXX records ) and made sure the payment to come out on Thursday, XXXX XXXX was for {$550.00}. This morning, I checked my account and it was a payment pending for {$780.00}. I called and was on the phone with representatives back an forth for 2 hours and 43 minutes. I had asked for a supervisor, and was put on hold. I asked for the AVP, and was hung up on. My husband was on the phone with me and he even called from his work phone, only to be on hold for over an hour with them only to be given wrong information and NO RESOLUTION to the issue. All I wanted was MY MONEY BACK. I missed 2 hours of work this morning trying to handle this situation. The representatives were more concerned about a rep inputting the wrong information when I called on Tuesday than my money missing. The rep put in the notes that my husband called, but I was the one that called and I verified MY name and MY bank account information. One rep stated that the account was sent to the office of the President, however, she was the one who hung up on me when I asked for the AVP. I am BEYOND furious since we had plans to do other things and now my account is in over draft with no idea of when I will be getting my money back. When I asked any of the reps to give me their I.D . numbers, they either placed me on hold or ignored my question. They saw in the notes that the payment was made, but did not give a resolution to the issue. Instead, they just kept putting us on hold and transferring us. My husband said it happened to him a few months ago. They took alot more than he had authorized and they told him that he would be better off leaving it since he had another payment coming due. He said it took them 2 weeks to return his money after he called SEVERAL times.
Product: Credit card

My statement is a billing error pursuant to : 12 CFR 1026.13 - Billing Error Resolution U.S. Bank has charged my account for several late fees and is in violation of 15 U.S. 1666 Code Credit Billing : Correction of billing errors 1666b Timing of payments - a creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose. This account has been marked as late and has history of late fees. 1666i-1 - Limits on interest rate, fee, and finance charge increases applicable to outstanding balance- in the case of any account under an open end consumer credit plan, no creditor may increase any APR, fee, or finance charge applicable to any outstanding balance. Remedy : I require that any and all late fees and interest accrued on any late fees be removed from my account within 7 days of receiving this notice. U.S.Bank refused to remove any and all late fees and is reporting negatively against my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Mosiac is showing on my XXXX my account is 30 days late when the money is auto deducted from the account the bank stated the company never attempted to take the money of the account I then made a double payment for their error and the money had been auto deducted from the same account since then and have received every payment with no problem and I need this late status removed from my account I made double payment and account is current XXXX a representative at the company has written a statement in my behalf to have this corrected on my account I have bank statements for documentation and also reporting 30-60days on my experian account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX ; XXXX XXXX XXXX  account # XXXX ; XXXX XXXX XXXX XXXX account # XXXX ; XXXX account # XXXX ; XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 states A consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with Toyota Financial, I settled my debt with them but Toyota still reports this account to my credit report. This account is too old, please stop reporting it to my credit report. Thank you very much for your help!
Product: Credit reporting or other personal consumer reports

I was set-up with autopay on with Regions Bank XXXX The funds were in my account and it was set up to pay. Regions bank did not take the payment and never notified me until I was given a notice that the payment was past 30 days late. They acknowledged an error in their system but have not removed this from my credit. They did this twice. They said that it was fixed the first time and then they did it again.
Product: Credit card or prepaid card

Name : XXXX XXXX Last 4 of credit card : XXXX To Capital One : In early XX/XX/2020, I had a fraudulent charge on my Capital One Credit Card for {$1400.00}. This was an unauthorized XXXX purchase through a third part company, XXXX. The purchase I later found out was for a : XXXX XXXX VR Ready Gaming Laptop, XXXX '' XXXX XXXX, XXXX XXXX XXXX Octa-Core up to XXXX GHz, XXXX XXXX XXXX, XXXX XXXX, XXXX SSD, XXXX XXXX XXXX, XXXX XXXX : XXXX. 
As soon as I became aware of this fraudulent purchase I contacted XXXX as well as Capital One. XXXX shut down my account, and also advised me that they already flagged my account for fraud due to two attempts to purchase other laptops. Unfortunately, XXXX allowed the third attempt. I received credit to my Capital One account pretty right away and I THOUGHT everything was taken care of. However, weeks had passed and I received the product. XXXX failed to stop the shipment and somehow it was redirected to me using my true address. I Immediately contacted XXXX to advise them of their error. The agent was very clearher exact words were you can keep the item, we can not take it back. I thought nothing of that until Capital One took back my credit and again charged my credit card. So I again contacted XXXX and Capital One. I believe Capital One filed another claim. I am learning that XXXX disputed the claim siting the item was delivered to the address on file which also matched Capital One recordswhich is true. Which I already advised. This does not make the charge any less FRAUD. 
I also received an email from XXXX stating the item could be donated. That it did not need to be returned. I received two letters stating that. 
Bottom line, I dont really understand the lack of care and attention to this matter. Neither XXXX or Capital One has been able to resolve this matter for me and its an extreme hardship for me. I did not make this purchase. Plain. And. Simple. 

XXXX claims they already paid Capital One so they have no idea why Im not receiving my money back. Capital One denies that and just tells me they can not help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving credit reports from all three reporting companies? XXXX, Trans Union and XXXX the reports were stolen out of my personal property and are being used by an identity thief who is using them to file back taxes i believe and put people in those residences. It contains all of my phone numbers and addresses where i resided that are necessary to complete the documents, one of them Trans Union has been used to spend identity theft insurance which had occurred continuously and still is happening
Product: Credit card

XXXX XX/XX/year> after diligent research on extraneous debt, XXXX. 's and Debt Relief I encountered Helpsishere.org ; in XXXX, Oregon, a 501.C.3 Non-Profit that specializes in discharging unsecured debt if One depends upon federal income. I subsequently signed an agreement with Helps and Attorney XXXX XXXX. Helps has sent out on my behalf official letters advising the XXXX Cards I surrendered that my Income is off- limits, ie they can not collect a dime as per Fed Regulation. They would have had these letters in the middle of XXXX past. XXXX Months later the entrys on my XXXX credit bureaus would indicate that I still had possession and was still paying which is incorrect. 
When the Helps attorney advised me that I could stop paying I did that. Since I have not had the cards since directly after my last payment, and had a good record of payments, they are using this as some financial tool for their own bottom line. IF My XXXX XXXX had truly been looked at those cards would not have been offered. My spending was almost solely for XXXX and to survive in an economy which Democrats have ruined ; with Inflation which is out of control. Every month I paid ontime and would always run out of food the middle of the month, this discharging it was beneficial for me and would have been less if XXXX companies had stopped debt out of my control in late XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed 2 Fraud Accounts on my Equifax Credit Report on XX/XX/2020. Equifax removed the accounts from my credit, but they RE-APPEARED on XX/XX/2020. XXXX  & XXXX  have removed the accounts from my credit report, and have not reported the accounts back. I continue to have problems ONLY with Equifax, they will not remove the Fraud accounts. I have provided an FTC identity theft report as well. Today, on XX/XX/2020. I spoke with Equifax, and explained them the situation. The representative with Equifax stated this could be an overall system error, and asked me to re-dispute the fraud accounts on my credit report. I have attached a new FTC identity theft report, and a formal dispute to Equifax. I faxed this dispute on XX/XX/2020 to the Equifax dispute fax number. 

I am in process of a mortgage at the moment, and this has caused damages for me, not being able to obtain credit due Equifax 's negligence in the dispute process. 

I am now submitting this dispute for the 3rd time, and hope to get this matter resolved soon. I have attached my new FTC identity theft report, and a dispute letter containing the fraud items. 

The complaint & dispute is being monitored by an FCRA attorney.
Product: Credit card or prepaid card

I had funds from workforce wv sent to key bank a debit card was issued via key bank but do to my physical address being listed as my email address the card was never mailed and do to covid issues communication with wv workforce was limited so on XX/XX/XXXX a new card was sent to me and received and activated on XX/XX/XXXX an then I noticed that there was a negative balance XXXX and not the XXXX that is suppose to be so I contacted key bank an I was informed by XXXX of key bank on XX/XX/XXXX and my funds where sent to wv unclaimed funds so I contacted unclaimed funds wv spoke with XXXX an was told there are no funds in my name or the date of XX/XX/XXXX which is when key bank sent them.and no records for anything pertaining to my name, XX/XX/XXXX, and/or the amount of XXXX an was informed contact key bank again which I did on XX/XX/XXXX and got the same response again. So contacted unclaimed funds of wv an spoke to XXXX on XX/XX/XXXX with same response again and was suggested I call wv attorney general and I did so on XX/XX/XXXX spoke XXXX XXXX and was informed could not help me told to contact CFPB and now that bring to now.
Product: Debt collection

XXXX XXXX hired collection agency to collect Debt that i did not owe this been going since XX/XX/XXXX. Each time the collection agency called i will return a call and explained that i never received any of the statement. I have no clue that I owe Electric bill because I am up to date paying all my utilities. Each time collection called i call XXXX also. The first two year XX/XX/XXXX-XX/XX/XXXX. i even went to police XX/XX/XXXX to file a report but they could not write a report because I dont have account/statement to show. Police said to disregard perhaps this is a called call trying to get my info over the phone he even warned me to be careful giving info over the phone.I sent letter to agency because the representative that i spoke he told me to send them a letter so they do n't told have to call again ( XXXX XXXX , XXXX XXXX : XXXX Dispute Department XXXX XXXX XXXX, IA XXXX ) I called XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX to really see if i have outstanding balance, it was verified that I do not owe anything under my name. In XX/XX/XXXX, I called XXXX again after i received a call from collection agency about the debt that I owe. XXXX representative said yes, its showing that i have outstanding account she gave me the amount and account number then transferred me to Fraud department. Fraud Department gave me their mailing address and gave things that i need to mail I was recommended to get a police report which i did for the 2nd time but the police only gave report number as reference he said this should be sufficient, I mailed the Copy of my Driver 's Lic, Bank Satement, Utility bill, Police report # and other documents showing my current address between XX/XX/XXXX-XX/XX/XXXX because this is what i told to submit this was mailed XX/XX/XXXX. 
Now, today XXXX/XXXX/XXXX i called the collection agency " Contract Callers # XXXX. I told that i spoke with XXXX XXXX Fraud Department and i explained that i submitted all the documents that they needed me to submit. She gave me the number to XXXX XXXX again. I called XXXX for XXXX times i explained my situation, then connection to Fraud Department again.They claimed that they never receive my documents and it has been 6 months, no one have ever got back with me. They want me to submit new documents by fax and email. Seriously? and ask to go back to police and get the report, seriously? This is very frustrating. Now collection is harrashing me again? XXXX representative gave me FCC # and web site. That 's why i have sending this information. i am hoping that this matter will resolve very soon five years. why its taking so long?