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

On XX/XX/XXXX I received a text from chime asking me if I had made a purchase that I did not make. I replied no and was told someone would be calling me in 5-10 mins. I received a call a few minutes later from someone claiming to be from chime. He said they had detected fraudulent activity on my account and they were going to be sending me a new card. He made me log out of my chime account and log back in with a temporary password he provided so I could reset my password and he was able to get into my account and transfer all the money I had to his cash app. He also initiated transfers from my credit union checking account that was linked to my chime account. The whole time I believed I was talking to someone from chime. A couple of hours later I received a call from the actual chime. I answered but the call got disconnected so I called back and went through all the prompts to speak to an agent and explained that someone from chime just tried to call me and I was calling back. He said chime will never call you but I have an incoming call on my call log from them. He also said that I had not spoken to anyone from chime earlier to which I replied then who was I talking to? I was on the phone with that person for an hour. He said I had gotten scammed and I had to log back into my chime account and reset the password and he saw all the cash app transactions but said we couldnt dispute them until they were no longer pending. They also said the money that was transferred from my bank to my chime card would be coming back to me once the transfer was complete. On Saturday, XX/XX/XXXX I noticed they were no longer pending so I called chime to start the dispute. I provided screenshots of the number that called me and the text messages. My claim was investigated and denied a few hours later. I received an email saying my claim was denied, they determined no error had occurred and I would not be receiving any funds. They said I could request a copy of the documents used in determining the final outcome of the investigation which I told them I wanted a copy of but they have not provided. Then on XX/XX/XXXX I received an email from chime saying they closed my account effective immediately due to account does not comply with the member agreement, account is not in good standing, and/or evidence or suspicion of unusual or potentially risk activity and At this time, you are not eligible for a refund of any remaining account balance.
Product: Vehicle loan or lease

I bought Genesis XXXX on XXXX. On XXXX I dropped off at the Genesis Dealership in XXXX after a significant failure with the electrical system. I was provided a loaner car but after they were unable to fix it after 7 weeks, I started the buyback process for the " Lemon Law ''. They approved the buyback in XXXX, and I signed the final paperwork on XXXX. I had to keep making payments and the refund from warranty cancellations was sent to Genesis Finance so there was a significant overage due back to me. I called Genesis Finance on XXXX and they said it would be 30 days before I would receive the overage refund amount of {$9700.00}. 
On XXXX I received a check for {$910.00} and called Genesis Finance about the other {$8800.00}. They told me since the amount was over {$2000.00} it needed special approval. I asked them to please expedite as it has already been 30 days. I asked for a call back with an ETA on the check and provided my own Fedex account number so I could get the check faster. 
During the month of XXXX, I called at least 7 times. I was always able to speak with Customer Service, but no one could actually get anything done. I kept being told it was being escalated but no one would call me back and nothing would change. The last thing I was told on XXXX is that it was being escalated to the highest level and someone would call me within 5 business days. I called 2 more times since the XXXX weekend and get the same response. 
The only thing more infuriating than not getting my money back is a company that actually does have the manpower to answer calls with little wait time and the people are very nice, but nothing gets done. I would have more understanding if they were short employees and were behind on getting things processed but this is nothing short of gross incompetence. 
It has been over 60 days and Genesis has not called me back one time and I still dont know when or if they are going to send me the {$8800.00}, they admit they owe to me. I hope the CFPB can help me get my money back.
Product: Debt collection

We changed phone companies, XXXX XXXX XXXX sent a bill saying we still owed them {$25.00}. 
I emailed them for an explanation, they said it was a mistake dont worry about it. 
I kept checking my account there & they continued to show a {$25.00} balance. 
I contacted them several times & each time they said not to worry about it because we did not owe any amount. 
Now we received a letter fro XXXX XXXX  demanding the money., I have all the correspondence saying we owed nothing. 
Its only {$25.00} but come on how many people are they doing this too?
Product: Checking or savings account

Chime closed my account without notifying me on XX/XX/XXXX. On XX/XX/XXXX I had {$1100.00} in my account. I was told I would get a closure check within 30 days. It is XX/XX/XXXX and this is my XXXX complaint and I still have not received a closure check for my money I put into that account. The so called chime support does nothing but give me the run around. They tell me I requested to have that account closed in XX/XX/XXXX even though I made a $ XXXX debit on XX/XX/XXXX. There have been numerous emails back and forth. I have requested the co-founders, XXXX XXXX or XXXX XXXX  or anyone within chime that can resolve this issue, to contact me. Nothing but a run around. They are stealing money from people who work to get what little they do get. I just want MY money I worked to get, nothing more, nothing less. Again, this is my XXXX complaint. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX {$760.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Product: Credit card

Per this card 's benefits, I should get a {$200.00} credit after spending {$6000.00} each calendar year. Despite doing this, I have not gotten this credit due to misleading advertising that I would get the benefit for " spending '' that much, not " posting '' that much on the credit card. I made a charge of {$1000.00} on XX/XX/XXXX ( I have a timestamped email to prove it ) to reach {$6000.00} for the year and every charge on this account takes one business day to post. Despite the charge on the account initially having this purchase date, the company deliberately changed it to XX/XX/XXXX and shifted the post date to XX/XX/XXXX in order to deny me the {$200.00} credit. Thorough the year no other charge had this mysterious behavior until the end of the year. How strange! I wonder why that would happen! This is on top of being misleading in the first place on their website about the benefit.
Product: Credit reporting or other personal consumer reports

Experian continues to report incorrect information on my consumer report. My name is listed incorrectly and my address. I have previously disputed this same information and Experian did not remove the incorrect information which is why I filed for arbitration against them. This is my final attempt at getting this information deleted. My name is XXXX XXXX my address is XXXX XXXX XXXX  XXXX TX XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX of our customers contacted us asking if we changed our ACH information. We had not changed any information, and asked to have them send the email. It looked like it was from one of our Salesmen, but it was not from him. The PDF they attached had pieced together information, such as a chopped off letterhead and basic details such as names and phone numbers. The " new '' ACH information was to be sent to Chase Bank and had their account number. I decided to call Chase Bank to have this account flagged and hopefully shut down. 
The Chase Bank account is someone trying to commit wire fraud. 
I called Chase Bank and they told me that since I was not the owner of the account they could not provide any information, and that there was nothing they could do. 
They refused to give me any information, such as a name for the account and refused to even attempt to stop the fraudulent account. They did not even try sending the account to be reviewed. 
They are completely fine with allowing fraud and basically told us too bad for you we are going to allow this person to commit fraud.
Product: Mortgage

I request a refinance with the loan company that I am already with. Loan Depot-XXXX XXXX team. First, I inform him that I owe XXXX, I think, and he stated, let us make it a little high to be safe, and they will get the real amount when they request it from there company, and if it is lower, we will get at the at final workup sheet. The Rate lock ( 60 Days ) Agreement was on XX/XX/2020 2.375 %, an origination charge 0.286 % of loan Amount ( Point ) {$1300.00}, {$1300.00}. Loan Amount $ XXXXLoan Term : 360, Loan Purpose : No cash Out Refi. Loan Product : VA IRRRl Fixed 30 years. Loan Type : VA. Lock Expiration Date : XX/XX/2020 terms were extended to XX/XX/2020. Borrower sign on XX/XX/2020. New Account number : XXXX. The payment was made on the old account:XXXX balance now is ruffly {$470000.00} and sent paid before closing. I would get it back ; he rolled it over, and he got that monies. Then on XX/XX/2020, I received Maryland Loan Commitment, XX/XX/XXXXLoan # XXXX Lender : LoanDepot.Com, LLC. Borrower ( s ) : XXXX XXXX XXXX. Property Address : XXXX XXXX XXXXXX/XX/XXXXXXXX, XXXX XXXX. Loan Term : 360. Principal Loan Amount : {$480000.00}. Type of Mortgage : VAXXXX Interest Rate : Fixed:2.375 % Adjustable Initial Rate : N/A Points:0.286 % Md.Code Ann., Law SS12
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested on numerous occasions to reinvestigate and verify the alleged account with XXXX XXXX XXXX XXXX my last attempt was on XX/XX/19. 

I requested to provide me the following : the name, address and telephone number of each person contacted regarding this alleged account. I also requested any formal documents bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Lastly, I requested their method of verification as any automated response or e-Oscar verification is unacceptable. Experian and XXXX failed to provide the requested information and refused to reinvestigate the dispute.
Product: Debt collection

I had my credit pulled to refinance my home. Theres a debt for {$860.00} approximately on my credit report as delinquent & is not my debt. I called the number on the debt, which was a lawyer group, & the birthdate, social security number & address are not mine. They stated that its another XXXX XXXX, but could not give me anymore information. Please have this debt removed from my credit report because its not my debt. Thank you
Product: Credit reporting or other personal consumer reports

Equifax has stated the removed this account from collections as it does not belong to me. When I pull my equfax report it does not show up. When I pull my XXXX score it shows equifax is still reporting this XXXX  XXXX, I have never gone to this XXXX  and have been in XXXX  at XXXX for the past 2 years
Product: Debt collection

I called the collection agency and was told that the medical bill was for someone other than myself, so I advised to remove this from my credit because its not be clearly.
Product: Credit reporting

TransUnion is making its customers listen to XXXX minutes of advertisements for paid credit-monitoring services before TransUnion will place a fraud alert on the customer 's file. The way TransUnion describes these paid services is unfair and abusive because consumers have to listen to the advertisement and decline it XXXX before TransUnion will complete the request to place a fraud alert on file. The way the advertisement is presented and the timing of the presentation make it seem like a required part of the process of placing a fraud alert on file. 

Background is as follows. On XXXX/XXXX/15 I called TransUnion to place a fraud alert on my credit file. ( I had just learned my social security number had been stolen and someone was using it. ) I went through TransUnion 's prompts on initiating the fraud alert. 

Then, before TransUnion 's automated system said the fraud alert was placed, it played an advertisement for paid credit-monitoring services provided by TransUnion. This ad was about XXXX seconds long and followed by a choice to press " XXXX '' and order the service or press " XXXX '' and decline the service. I pressed " XXXX. '' TransUnion immediately played a XXXX advertisement for the same service, this time XXXX seconds in length and using much more alarming language, again encouraging me to pay for the service. Again I was presented with the choice to press " XXXX '' to order the service or " XXXX '' decline it. I pressed " XXXX. " Only after I declined the service XXXX did TransUnion 's automated system state that my request to place a fraud alert on file was successful. 

TransUnion should not be able to require victims of identity theft to listen to TransUnion 's paid advertisements as the price for placing a fraud alert on their own files. But that is exactly what TransUnion is doing right now.
Product: Consumer Loan

Emoney Usa wont work with my credit counseling service. Continually calls me as soon as a payment is missed and begins to text my cell I had to set up a payment plan since they are unwilling to wait for the counseling service to kick in. They have sent me to collections as a charge off yet I am paying them monthly from my back acct. It is now on my credit report
Product: Money transfer, virtual currency, or money service

This was XXXX of XXXX  and sum way cash app got scammed and I got taken for XXXX when I tried to communication with cases app to tell them I dont know these people and that I wanted to dispute the transaction and wanted a refund but all I got for them was that they were not going to refund my money or investigate that I had to request my money back from the person. I keep saying I don't know them and got no were please help!!!!!
Product: Money transfer, virtual currency, or money service

Cashapp gave XXXX and XXXX on XX/XX/XXXX I don't know that company neither did I make no purchase with them they just gave my money away I asked them for the phone number to that company they gave m XXXX a bogus # I told them you gave my money to a company that not a company. This isn't the first time they gave my money away. XXXX XXXX  don't know them either. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX want that back. They let company 's ask for my money n give it to them a few other company 's tried but my card was locked XXXX company yesterday. XXXX.my card was locked they tell me if a transaction wasn't completed they can't do nothing but I want to know them to know they letting company 's try to get my money and I never purchased r know them places and why it's hard for me to get my money I want all of my money. Please help me.
Product: Debt collection

A debt that was confirmed not to be mine in XXXX has once again been resurrected. XXXX XXXX contacted me numerous time threatening to take this action to court as well as " ruin my credit '' if I did not pay the balance as well as interest since XXXX!
Product: Checking or savings account

My fiance ' and I opened an account with Keybank. While opening the account we explained why we were opening a joint account. Which was because we had just recently sold a house that we renovated and the funds were coming in the form of a wire in the amount of {$57000.00}. Since the house was in both my fiance and my name, so had to be the bank account. When the wire came through our online banking was restricted and we were instructed to call and from there instructed to go into the bank and show identification. The next morning I headed into the bank only to be informed that our account had been frozen and the funds were now under investigation and what prompted the investigation was that I had a previous account with XXXX XXXX  that I owed {$420.00}. This was XX/XX/XXXX. The very next day we went back to the bank to speak with the branch manager and brought all the paperwork from the title company with us. The branch manager explained that the funds hadnt been processed yet and that once they were she would close the account and give us a cashiers check in a few days, specifically XXXX XXXX. She also stated that she had no use for the paperwork we brought in. We contacted her the morning of the XXXX and she told us to come up to pick up the check. XXXX minutes later the young lady who had opened the account called us back and told us not to come because the account would be under investigation for 30 days and that our money could not be released until the investigation was completed. Is is now XXXX XXXX and I have yet to speak to anyone in regards to when our funds will be released and haven't gotten official correspondence from the investigators.
Product: Debt collection

This company XXXX XXXX XXXX calls every day from XXXX to XXXX including on XXXX and XXXX. I have disputed this debt several times to no avail. They sent me information on this debt that I did not know about. The amount that they are saying I owe them is {$2000.00}. I have sent a letter asking them for a signed purchase contract with a wet signature stating that they had my permission to access my personal information and I have yet to receive it. I've lost my fiance ' and my daughter 8 months apart and this has proven to be very stressful. If I had any inkling that I owed this debt, I would have paid it by now. This company has been relentless.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I have called to make payment arrangements and no one is available to speak with at their office. I still have been sending payments to them of {$40.00} or {$50.00} dollars a month because I have other medical bills to pay also. They sent me to collections without the ability to ever communicate with their office about payment arrangements.
Product: Money transfer, virtual currency, or money service

I was defrauded a laptop and {$600.00} money transfer through XXXX XXXX  by Zelle today on XX/XX/2020 through online selling ( I am the selling my laptop ). I did transfer money first through another cash app, which stopped the transaction ( Probably through its fraud report database ), so the scammer asked me to transfer money through Zelle ( I guess it is where scammer know can certainly get away with ). I did send the money through XXXX   XXXX  by Zelle, and after I realized it is a fraud, which was ONLY 20 minutes later since the scammer keep asking me to send money. I contacted XXXX first, and XXXX customer service said they can not do anything, it is the Zelle 's policy, and I should contact Zelle ( It  seems that XXXX is no responsible for XXXX XXXX ), and XXXX is even not trying to help me contact the receiving bank or report the scammer 's account to the receiving bank. Ironically, the same response happened when I contacted Zelle, Zelle said they can not do anything again, and I should contact the bank XXXX. I was a loyal customer with XXXX XXXX  by Zelle, so I can be both. However, it seems that both of them did a TERRIBLE job in dealing with the fraud and how to better protect consumers or at least how to formalize the process. They did terrible job on protecting customers, second they did not have the good fraud data system to protect consumers. They should at least give customer a one hour or 3 hour protection time etc.
Product: Credit reporting

Requested negative accounts to be removed from my credit report, creditor stopped collecting on those accounts. 
Experian refused to remove accounts. 
Today I tried again, it says I ca n't dispute accounts till I pay for another credit report & then I will be able to start a dispute.
Product: Credit reporting or other personal consumer reports

I have asked and requested this information removed off my credit report several times. I want this information removed within 72 hours. I attached the things I want removed and I will also list them here. 

I want my customer statement removed as its incorrect and I never provided a customer statement - XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX I want removed my name should only be on my report 1 time- XXXX I want XX/XX/XXXX and remove XXXX Experian I want XX/XX/XXXX removed from my report- Experian I want XXXXXXXX XXXX XXXX XXXXXXXX TX XXXX removed its non mailable- Experian
Product: Debt collection

I have pulled a copy of my recent credit report and found a company by the name of XXXX XXXX XXXX is reporting a debt in the amount of {$260.00}. I never received any notices from this company regarding this alleged debt, nor do i have any contracts with them, however they are reporting on my credit. XXXX XXXX XXXX has damaged my reputation to the point where i can not get approved for credit. This Debt is being reported with out fairness and impartiality and is harming my ability to obtain credit.
Product: Mortgage

On XX/XX/XXXX, I submitted a request to XXXX XXXX to refinance my current mortgage, and combine it with my 2nd mortgage. On XX/XX/XXXX,  I received an email from XXXX XXXX containing a list of documents required. On XX/XX/XXXX, I sent all the documents he asked for via email. I had already received a XXXX   package at my home address. It contained documents my husband and I needed to sign and send back. So, on XX/XX/XXXX, I talked to XXXX XXXX and he told me which documents needed to be signed. On XX/XX/XXXX, I scanned and emailed all the documents he asked me to sign and send. He confirmed receipt of these documents in a phone call and told me an appraiser would be calling. On XX/XX/XXXX, I emailed XXXX XXXX asking about the appraiser since I had yet to receive a phone call. In that email I mentioned I was getting repeated XXXX area code phone calls, but they never left a message. I asked if he thought that was them. He emailed back stating that number was him and could I please call him. I immediately called him ( same day ) and he informed me that he had made a mistake. He had thought I lived in XXXX County, but he now is noting it XXXX County. He asked me to verify this, which I did. He then said he was very sorry, but XXXX XXXX does not have an office in XXXX County, only XXXX County, so XXXX   XXXX could not do business in XXXX Co., thus could not service my loan. I am extremely suspicious of this response and can find no evidence on their website or anywhere else to verify this. Please provide assistance with this matter so I am able to understand why I had to go through all the work I did, wait well over a week to know this information. He called repeatedly using that XXXX area code, but never left a message, even a quick " call me back ''. It was outrageous. Thank you for your attention to this matter.