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

On XX/XX/2022 I had lost my phone and when I got my device replace I checked my Chime account and there was 3 unauthorized transactions totaling {$1000.00} using a feature Pay Friends to a unknown person that I do not know. I reported and filed a claim with Chime as soon as I saw the transactions I found out and a few days later Chime responded back that only 1 transaction of {$400.00} was in error but the other 2 unauthorized payment that were sent to the same unknown person was denied. I continued to explain that their investigation conclusion didnt make any sense since all 3 payments were made to the same person but only 1 was found in error. I told Chime that I would make a complaint to the CFPB and a few hours later I got an email stating that Chime has identified activity on my account that is not in compliance with its internal policies and my account will be closed.
Product: Credit reporting or other personal consumer reports

Kikoff Lending , LLC has failed to adequately investigate my dispute regarding inaccurate late payment reporting on my credit reports with XXXX and XXXX, as required under the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to resolve the issue directly with Kikoff, their responses have been incomplete, dismissive, and failed to address the core concerns raised in my dispute. 

Detailed Description of the Issue : Failure to Conduct a Reasonable Reinvestigation : Kikoff claims to have verified the disputed information using internal records but has not provided any details on the methodology, sources, or third-party verification used in their investigation. 
The FCRA ( 611 ) requires data furnishers to conduct a reasonable and transparent investigation, which Kikoff has failed to demonstrate. 
Reporting Discrepancies Across Bureaus : Kikoff 's reporting contains inconsistencies between XXXX and XXXX. 
XXXX reflects late payments from XX/XX/XXXX to XX/XX/XXXX, while XXXX includes a 60-day late entry without substantiation. Kikoff has neither reconciled these discrepancies nor provided any evidence supporting the accuracy of the reported data. 
Refusal to Acknowledge Submitted Evidence : I provided Kikoff with documentation from my XXXX and XXXX reports, highlighting inaccuracies, including contradictory entries ( e.g., " 90 days late '' reported alongside a positive payment history ). Kikoff claims they did not receive my XXXX report and dismissed these concerns without review. 
Shifting Responsibility to Credit Bureaus : Kikoff incorrectly asserts that I must contact credit bureaus to resolve these inaccuracies. Under the FCRA, Kikoff, as the data furnisher, is obligated to ensure accurate reporting and correct any errors identified. 
Failure to Respond to Resolution Proposal : My initial dispute included a resolution proposal, which Kikoff completely ignored in their response. This lack of engagement further demonstrates their unwillingness to resolve this matter amicably. 
Impact on Me : These inaccuracies have adversely impacted my credit scores, limiting my access to financial opportunities and causing undue stress. Kikoffs lack of compliance with FCRA obligations has prolonged the resolution process and exacerbated the harm caused by their reporting errors.
Product: Checking or savings account

USAA Federal Savings Bank provided a bank check for a car purchase. XXXX XXXX XXXX XXXX dishonored USAA 's check when presented by the seller. Neither bank will tell us what happened or fix the problem. Both the seller and I ( purchaser ) have had hours consumed with fruitless customer service calls and chats.
Product: Credit card or prepaid card

I would like to report that several credit card transactions were attempted to purchase services on XX/XX/2023, these transactions were swiped utilizing a XXXX  method of payment on a phone on my Barclays Jet Blue Credit Card. The transaction amounts are : {$4400.00}, {$700.00}, and {$1900.00} used for vendor at XXXX. These attempted transactions are fraud and have never been requested by me.
Product: Debt collection

I've sent certified letters to the company listed below asking that they vaildated the debit that they say I owe as of this day I have yet to recieve anything from the debit collector.
Product: Bank account or service

I 've been with Wells Fargo XXXX XXXX California since its 2010. There 's always been issues with my account money missing. I spoke to somebody and they had excuses for different type of fees that I did n't understand. Now it makes sense I am outraged and disappointed have a good take advantage of a single mother of XXXX kids my daughter overcoming XXXX and I 'm on a strict budget.
Product: Mortgage

Loan was paid in Full XX/XX/, and escrow funds were not received and attempts to contact the company to reissue the funds were not possible due to loan being removed from Servicing. Also in need of a copy of the 1098 statement and complete loan history.
Product: Mortgage

XX/XX/2023 I submitted a Hardship modification package on XX/XX/XXXX, time stamped and documented that it was received on XX/XX/XXXX, which is 40 days prior to my scheduled foreclosure. I was told by Selene customer service that the modification package was not received in time for review. 

In accordance with the applicable regulations, if an account servicer receives a complete loss mitigation application XXXX ( XXXX ) days or more before a scheduled foreclosure sale, the account servicer is required required to initiate a loss mitigation review and suspend active foreclosure proceedings. 

Once again, I am being told XXXX different stories from XXXX. First, the package was received on XX/XX/XXXX, so Selene doesnt have enough time to review, clearly that is incorrect. So, when I challenged and proved the package was indeed received on time, the story changed. Now I am being told the package was incomplete, curious that that if you dont have time to review how do you know its incomplete? I asked what is incomplete and got no answer.

The bottom line this a trend with Selene, to find a way to not approve. Even when a modification was approved it was the worst-case scenario out of many that Selene could have approved. Selene would not even take in considerations $ XXXX in funds from the XXXX program and tripled my interest rate. 

I have the following available to me if only Selene will approve and end this fiasco XXXX XXXX XXXX on Selene approval XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX approval $ XXXX XXXX Legal XXXX XXXX XXXX XXXX Personal Certified funds available XX/XX/XXXX XXXX XXXX Total payoff $ XXXX 30 days after HAF approval XXXX loan will be fully reinstated! All funding above can be verified and approved ONLY WAITING ON SELENE! 

I have worked tons of ways to get my mortgage back on track, each time instead of embracing the solution XXXX has gone out of its way to deny or make it unmanageable. 

Again, the above is a way to fully re-instate with no need to modify. Will Selene accept? 

I need acknowledgement and agreement of my proposal that fully re-instates my loan. Its a win for both parties why would possibly deny! 

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

Kindly delete these inquiries. I am unaware of them, and the company conducted them without my permission.
Product: Credit card or prepaid card

Discover Credit Card took an unauthorized XXXX dollars out of my bank account. I asked the to just take out XXXX dollars automatically. Instead and without my knowledge or approval they instead took out XXXX on XXXX.20. I contacted them twice and both times they could not read policy or give me policy explaining that they were legally able to take money without my authority. They reported that they would do nothing to help
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/year>
Product: Credit reporting or other personal consumer reports

Your company is furnishing an account on my credit report as a charge off which is debt that has been discharged and you took a tax write on. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the IRS and you will be reported for such. I demand you to remove the following item from my credit report and send the 1099-c so I can audit it to make sure you are in compliance. Also, the credit reporting agencies are reporting inconsistent information such as the Date last active and payment history. How can each bureau report different information if all data should be the same? You violated the FCRA 15 USC 1681eb you are reporting information that's not 100 % accurate. The irs directed me to file form XXXX for illegal tax violations upon your company. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. Please note that this account is also paid in a settlement and there was an agreement for the account to be deleted. Remove the following account from my credit report within 14 days UPSTART NETWORK INCXXXX XXXX.
Product: Mortgage

A VA IRRRL mortgage refinance was being written by Quicken/Rocket Mortgage. I was charged a Good Faith fee of {$500.00}. An appraisal was also done- I later found out was not necessary both ) for this loan. I have excellent credit and have been on time on payments. My home is in a growing area. I am a XXXX XXXX Veteran and have been a victim of a Predatory Loan. No Contract was signed- no closing. Was told {$500.00} will be returned MINUS appraisal and other fees. This all occurred in the last 30 days. XXXX XXXX XX/XX/2020 XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., 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 XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$430.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$940.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$930.00}, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$830.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$810.00}, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX XXXXalance : {$150.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$560.00} XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 XXXX XXXX
Product: Checking or savings account

ChexSystems continues to deny my application for banks regardless of countless amounts of inaccurate information and future dating old, fictitious accounts, preventing me from opening new accounts and collecting revenue from their business model of " check credit repair '' I am making sure this is a public complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

My attorney and I have been working with each of the Credit Bureau about my report there are inquires on my report with Equifax I have called them on the phone sometime they will transfer me to the Fraud department if I ask and still sometimes they will tell me they have sent an email. When I don't hear anything after 30-90days I call back the automatic computer asked for my information and then tells me to call back. I have stared recording my conversations with these creditors I feel as though that is the best way I can document our conversations as I informed them of this. also asked them to add on my credit report that consumer is disputing some accusations on my credit with lawyer assistance. I let them know that I have informed the companies Fraud Department of these issue and the Credit Bureaus also. And I have noticed when the change happens even though it's not my fault this issue has occur. My credit score goes down more than 8 % and constantly dropping down. I don't know what is going on but this is ridiculous I don't understand how these Credit Bureau are getting away with this. They tell you there fixing your issues and things are getting worse there not updating like there suppose to. In XX/XX/XXXX there have been 17.6 Million United States Resident who has experienced exactly what I'm going through at this moment. In XX/XX/XXXX that has triple. All I'm asking is to be one of the Americans who credit can be updated and corrected so my score can increase not decrease as it should be. This is a ongoing issue and all I ask is to do the right thing. My credit Score still remains the same needs attention. What more can I do I have an Attorney, Police Report Affidavit CFPB not just once but several times.
Product: Debt collection

XXXX I advised Chase Auto Finace to XXXX XXXX XXXX. On XXXX Chase Auto Finance put in a Order To Repossess my personal property ( The Vehicle ) in which was assigned to XXXX XXXX XXXX XXXX, Signed by XXXX XXXX. On XXXX XXXX XXXX XXXX XXXX illegally seized my personal property ( The Vehicle ) without my consent. This company told me to schedule an appointment in order to get my personal belongs, before I could do that they instructed me to turn over the keys to ( The Vehicle ). I filed a poilice report with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for stolen vehicle. On XXXX I went to the LOT where ( The Vehicle ) was held, Called the local police department in that area to retrieve my personal property, then I was told by XXXX XXXX XXXX XXXX it was an Order To Repossess in place on my personal property ( The Vehicle ). I also found out that knowingly and willingly these compianies conspired these unlawful acts against me. Both companies was aware of the 1st XXXX XXXX XXXX ordered and continued to proceed with unlawful acts. I will incude a peronalized letter, picture proof of the fraudulent act, the first initial XXXX XXXX XXXX order, and ATTEMPT TO COLLECT A DEBT FORM.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date ; XX/XX/2018 EQUIFAX I called to find out about credit report I was told that I needed to fax documents that show and state my identity I did this on the date above I called the same day to check to see if it was received I was told by a female CSR it would take 48 hrs for my information to be put into their system I told the CSR that I would call back on Monday XX/XX/XXXX so that it gives them sufficient time I called back today Monday XX/XX/XXXX I spoke to 2 CSR 's before I had to request a SUPERVISOR I was told by all of them that I have NO CREDIT I am not in their system yet I applied for a HOME LOAN and my LOAN PROCESSOR can not get my CREDIT SCORE which is odd because 2 other credit report companies had my information for my LOAN PROCESSOR to obtain I was even told that my documents were not received I tried making an account via the CREDIT REPORT COMPANY WEBSITE It booted me to another CREDIT COMPANY in which it had me fill out my information and I was able to print my CREDIT INFORMATION I called back the CREDIT REPORT COMPANY and I explained what happened and that I wanted to START A DISPUTE I was told that I couldn't because I was not in their system which I have repeatedly told them that was odd if I have 2 CREDIT REPORTS FROM 2 different CREDIT REPORT COMPANIES The CSR 's kept asking me if I have CREDIT and I kept telling them YES ' This has caused a lot of unnecessary stress This is effecting not just me but my family This CREDIT REPORT COMPANY Is very unprofessional and everytime I tried to explain something to them they talked over me All I want is this to be fixed I was also told to call my CREDITORS and tell them to forward my CREDIT STANCE to them which is odd because all CREDITORS SEND INFORMATION to CREDIT REPORT COMPANY 'S my CREDIT should be in the system
Product: Money transfer, virtual currency, or money service

I sent money to a fraudulent company that I thought were legit. I made 2 payments to a guy from the app called Cash app. They didn't come through with their promise, so I asked for a refund. I forgot how long they said the refund process is, but ita way overdue by now.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I noticed a collection debt appear on my credit report earlier this week ( XX/XX/18 ). I XXXX XXXX the name of the company and looked up their website - I have never received anything in writing nor any phone calls ( that resulted in a voicemail - I do not answer calls from unknown numbers ) from this company about this debt. I contacted their settlement department via e-mail using the e-mail address on their website requesting more information about the debt owed, but have not received a response. I have no way to pay the debt if they do not send me the account information that is required for their website, which means it will remain on my credit report until it is sorted out.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
DPT ED/XXXX XXXX Balance Owed : {$3600.00} DPT ED/XXXX XXXX Balance Owed : {$5000.00} DPT ED/XXXX XXXX Balance Owed : {$2400.00} DPT EDXXXX XXXX Balance Owed : {$530.00} DPT EDXXXX XXXX Balance Owed : {$780.00} DPT EDXXXX XXXX Owed : {$2000.00} DPT ED/XXXX XXXX Balance Owed : {$1800.00} DPT EDXXXX XXXX Balance Owed : {$960.00} DPT EDXXXX XXXX Balance Owed : {$300.00} DPT ED/XXXX XXXX Balance Owed : {$3500.00} DPT EDXXXX XXXX Balance Owed : XXXX
Product: Credit reporting or other personal consumer reports

They keep refusing to give access to my report online but if I pay {$30.00} I get full access to my own personal information.
Product: Bank account or service

wells fargo charged me over roughly XXXX dollars in charges. They also held a check up for {$890.00}. Then they closed an account without explanation so I can never recover my monies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by a XXXX  represenative to call back on XX/XX/2021 for statutus of an existing dispute filed XX/XX/2021. I called in today and the customer service agent hung up on me after I asked for information of the dispute status. The agent refused to give me any information and told me to resend all documents to start a new investigation. I have sent in proof of FTC report with id, social and all required dispute letters. I have been going back and fourth with XXXX  for 6 months now and each time I ask if the items were 100 % verified with proof of all required documents due to me being a victim of identity theft they never can provide an answer. By Federal law each credit bureau is required to verify that this information is mine and is correct, NOT JUST BY A COLLECTION AGENCY OR COMPANIES STANDARD, THEY MUST VALIDATE THESE THINGS AS THE FURNISHER OF MY CREDIT REPORT. XXXX  have not provided me a copy of ANY original documentation required under sec 609 ( a ) ( 1 ) ( A ) ( A ) consumer contract with my signature on it. ACCOUNT DISPUTE # 72052 AND DISPUTE ( XXXX XXXX ). I SENT MY IDENTITY THEFT REPORT FOR BOTH ITEMS.
Product: Checking or savings account

I closed the account last year, and was thinking to reopen it yesterday, one of the agent was helping me to reinstate it successfully, however, after my reinstated chime account received a {$10.00} transfer from my another bank which I use to funding the chime account, chime suspended my reinstated account and ask me to send tones of documents to verify and explain why transfer money to chime, and ask for other bank and card transactions for last XXXXhree months, but I just reopened chime today, there is no transaction for last three months with chime, and some of the funding source I had last year already closed the account, I explained to them and called the customer support ask for a follow up, but no answer, I ask to close the account again and revert the money I transfer in, they say they cant close it because it is suspended, and they cant send money back because they dont allow to, I say What??? So chime swallow my money? Even though its just {$10.00}, I still wish can get my money back.