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

On XX/XX/23 I opened a new checking account online and made an initial deposit of {$100.00}. The next day, I was unable to create an online profile to access this account. I contacted customer service and was told my account had been closed due to " fraud activity ''. They were unable to tell me what this activity was, only that their " Enterprise Fraud Department '' had determined my account was fraudulent and it was closed. I was transferred to multiple people who all told me the same thing and no one could help me. I was eventually transferred to an employee only number somehow and they told me to go to a local branch and it will be fixed there. I went to my local branch on XX/XX/23 and XX/XX/23 and spoke with a representative there. I provided 2 forms of ID and 3 forms proving my current residence. This person at the local branch had no ability o help me either and she talked to multiple people on the phone with no answers. I visited this branch and spoke with this person multiple times. She said she would call me back with a resolution and never did. Also, every person I have spoken with has told me there is no money in my account and acts like I am lying about making a deposit. I have received a debit card in the mail which I can not activate. I also received an account statement dated XX/XX/23 that shows a deposit of {$100.00} was made on XX/XX/23 and my current balance is {$100.00}. One of the notices I received about my account being closed stated I would receive any funds in the account via check within 10 business days of account closing. That has not occurred. It is now XX/XX/23, 3 weeks since my account was closed with zero help from anyone at Truist or resolution of any kind.
Product: Credit card

I agreed pay to a reduced balanced in exchange to have the " Charge Off '' removed and balanced of account satisfied with {$0.00} balanced owned
Product: Credit card or prepaid card

Received cash app visa in the mail that I never applied for. Cash App / Square Inc. does not have a phone number and I do not want to give them my information to get them contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was attempting to purchase a car online, and was told ONE inquiry would be ran, and they poured in and did not stop.
Product: Debt collection

I got a collection reported on my credit report for an online course that I never enrolled in. I have never given this company my social security number nor have signed any documents nor I have participated in any online course with them. I do not know where this account is coming from and it is ruining my credit report falsely damaging my good name.
Product: Mortgage

Bank of America is threatening for default loans, not due to none payment, but a huge mistake they have on the books. We have recently discovered a HUGE discrepancy in a duplicate loan by Bank of America. I only have 2 loans with Bank of American. Not 3, two of the three are duplicate loans and only one exists. This is a violation of ULA laws as well as federal banking laws.
Product: Debt collection

Received letter from collection agency Commonwealth Financial Systems on behalf of original creditor XXXX XXXX XXXX XXXX ... I have called numerous times and left messages for a return call to validate that the bills are mine..requesting any kind of documentation that would have my social security number and or signature ... I have not gotten any response to my numerous messages..Both collection agency and original creditor are based out of Pennsylvania. I checked the TX Secretary of State website for these two companies to see if they are licensed to collect for the state of TX ... Could not find either name on site. I am requesting both of these collections with Commonwealth Financial Systems -- with their file number XXXX -- amount {$830.00} and file number XXXX amount {$56.00} Date of Service XX/XX/14 be deleted from ALL credit bureaus and consumer agencies.
Product: Checking or savings account

On XX/XX/XXXX, an authorized party accessed my account with Chime ( XXXX ). The party disabled alerts and changed my email and phone number. After alerts were disabled, the unauthorized party transferred around XXXX out of my savings account into a checking and a secure credit card account. Both accounts were emptied via cash app transactions. My account was taken for over {$23000.00} in a few hours. I realized the issue the following day and reported it to my bank. They said they would file disputes for all charges and follow up by email. The disputes were filed but no communication from the bank. I have called multiple times a day for almost a week to try to get my account repaired and funds returned. This is a clear case of fraud. As requested, I have sent copies of the emails showing the unauthorized party entered my account around XXXX XXXX on XXXX. I have provided a fraud case number from XXXX XXXX. I do not have a XXXX XXXX account and did not authorize anyone to remove funds from my bank account. 

Today, I received a notification that all my disputes were closed and that I would receive {$600.00} back on 28 disputes. I filed over 600 disputes last week for over {$23000.00}. No one can tell me where the other 570+ disputes went or the almost {$23000.00} still missing went. They keep bouncing me between departments. Every agent 's answer is you need to member services or you need to speak with the dispute team. Don't even get me started on the online chat support. I went through 9 agents before someone got me to a supervisor. They had " technical issues '' and dumped me on another person. I used to love Chime but this is awful. I spend hours everyday trying to get them to help me and all their agent do is read scripts to me. Please help me!!!
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax still has something from XXXX XXXX XXXX that has been closed since 2008. It is over XXXX XXXX XXXX and is negatively affect ing my credit score.
Product: Credit reporting or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX Amount {$4800.00} No knowledge of this account
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit company obtained my credit report without my authorization
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND THESE ARE DAMAGING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT BECAUSE THESE ARE PURELY IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XX/XX/XXXX - Balance : {$430.00} Account Name XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Account Name XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} Account Name : XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX Balance : {$1100.00}
Product: Credit reporting or other personal consumer reports

My alarm system XXXX, charged my bank account in error for equipment that was already paid causing my mortgage payment to bounce from my account. I told Freedom Mortgage about what happened and was told I would not be penalized and no adverse reporting to the credit bureau would take place. I told them when I would make the payments this month as I was waiting for XXXX to refund XXXX  of dollars from the error that was made. Ive never been late and I believed the Freedom Mortgage representative. I have a top secret security clearance for work and negative credit reporting isnt allowed. Freedom Mortgage reported the mortgage as late, my score plummeted and Im at risk at work for disciplinary action as a result of the negative mark on my credit report. By the XXXX two full payments will be made to Freedom Mortgage ( one has already been completed ). Freedom Mortgage can schedule the payment if they want assurance. Freedom Mortgage knows this isnt my fault yet Im being penalized because of a terrible error from XXXX.
Product: Vehicle loan or lease

I've always made weekly payments on my car note, and was never having an issues until now. I check my account regularly to make sure the payment has gone through. Now all of a sudden since the beginning of XXXX, my banking information is being removed and my payments aren't going through. I've spoke with these people several times regarding this issue and they only repeat to me what they see. They are no help when the customer is frustrated and livid with them because they aren't willing to help. TFS is removing my baking information and I want to know why. I'm currently behind on my car note because they are reserving my payments I make through the app, over the phone and via the website. This is concerning because I still have at least 3 years to pay on this car. I have recently added my banking information again, within 3 to 4 days, I'll get and email as usual that my payment has posted. A day later I'll get an email stating that my payment and banking details were removed. There's only one bank account used to make payments for this vehicle I have. If my care is repossessed, they will pay for it. I have never experienced this before and, but now if becoming problem seeing that it's going into XXXX and I'm almost 3 months behind on my car note. This isn't okay and they need to address this issue immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I should not have not 1 negative thing on my credit my credit should be about XXXX points higher can you please delete everything on credit report that is reporting negatively incorrectly
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed pursuant to FCRA 605B ( 15 USC 1681c-2 ) that you, the tansunion, XXXX, and 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 reeving this complaint. This fraudulent inaccurate, and false information consists of a personal credit card opened with XXXX in XXXX along with numerous auto loan inquires made in XXXX with credit acceptance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted seversl frsudeletn hard inquiries and fraudulent collections appearing on my consumer credit report. I do not recognize any of these items listed and they were not made, opened, or initiated by me. I have attached a copy of my FTC identity theft criminal complaint ( # XXXX ) as proof from the US federal trade commission that all aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I left XXXX at the end of my contract, I called and verified my contract was over and I was paid in full. A few months later they called saying I owed money, I explained i did not. They turned me over to a collections agency, I explained this to them now 6 years later they filed a derogatory mark on my credit lowering it by almost XXXX points I now went from excellent credit to good credit status. I did everything I was supposed to in order to leave XXXX going as far as contacting them to make sure we were all square. To come up with some phantom bill months later for lousy {$150.00} is ridicules. It is not the {$150.00} it is the principle of lying to it 's customers because they are leaving for another company. Now six years later to have my credit ruined because of this is maddening. Any help would be great, thank you.
Product: Credit reporting or other personal consumer reports

In accordance with ther Fair Credit Reporting act XXXX Account #, has violated my rights.

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account withou my written instructions.
Product: Checking or savings account

On Monday XX/XX/2019 I received notification of two fraudulent charges for {$300.00} on my Chase account. I immediately contacted Chase and let them know these transactions were not made by me and that I wanted them cancelled immediately. They said that although they are pending, they can not be cancelled. They asked me to contact XXXX, because it was through their money sending service. I contacted XXXX and they said that I had to go through my bank because it was a purchase made through my debit card. I called Chase once again and they said they cant do anything about it. I did not make these purchases and they took {$600.00} from my account. Chase doesnt want to do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX XX/XX/XXXX Dear Collections and Consumer Relations Dept. : This letter is in response to your recent claim that XXXX XXXX  has XXXX XXXX XXXX verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXX  regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX XXXX, bearing my signature, showing that I have a legally binding contractual obligation to pay them. 

A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you

may be liable for your willful noncompliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damage for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666Ba creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter certified mail # XXXX XXXX XXXX XXXX XXXX. The letter was received by XXXX on XX/XX/2022. 

I asked XXXX to investigate every piece of information on accounts I disputed. 

According to 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

XXXX stated that the accounts were verified/updated ( see the response letter from XXXX attached XXXX # XXXX ) but how is this possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts is still not reporting XXXX XXXX percent accurate and according to 15 USC 1681a, everything must be accurate.
Product: Credit reporting or other personal consumer reports

For purposes of this section, a notice of address discrepancy means a notice sent to a user by a consumer reporting agency described in 15 U.S.C. 1681a ( p ) pursuant to 15 U.S.C. 1681c ( h ) ( 1 ), that informs the user of a substantial difference between the address for the consumer that the user provided to request the consumer report and the address ( es ) in the agency 's file for the consumer. 

ADDRESS IM NOT ASSOCIATE WITH PLEASE REMOVE THE FOLLOWING OFF MY CREDIT REPORT : 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 - False, deceptive, or misleading representations or means. 
these accounts are not correct. 

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 was told that they would settle for a certain amount and every time they tried my bank would not approve the transaction or I could not get out of the house to reload my card, as I am a XXXX. I tried several times for them to take the money out but they kept saying that it was n't going through so they backed out of their agreement with paying {$280.00} to close out the debt. When I called them today they told me that I now owed the full amount because I did n't follow through with the agreement. I told them last Friday that I was waiting for my money to clear in the bank and then I would call them. First of all this debt is from University XXXX XXXX who charged me for classes that I did not even take and I told them several times that I was n't able to access the classes They should have fixed it and unenrolled me from the classes. I am supposed to pay for a service I never received and I do n't think that 's fair. University XXXX XXXX knows that they messed up by not having the classes I signed up for available to me. How can I owe money for a service that was never rendered? And then how can the debt collection agency go back on their word simply because I told them that they 'd have to wait until the money cleared in the bank? This is not fair all the way around,
Product: Credit reporting or other personal consumer reports

XXXX, XXXX 2024 I have been trying to get into my account with all three credit report companies XXXX, Experian and XXXX I have inquiries on my credit report from an unknown source and Im unable to get it off my credit report
Product: Debt collection

National credit systems has violated my rights as a consumer and used illegal abbsusive practices against me and my credit report. National credit systems has been increasing and decreasing my debt by XXXX dollar every other month to negatively impact my credit score. Under guide of the law this is an abusive tactic and is illegal under law.
Product: Mortgage

I have a loan with WELLS FARGO HM MORTGAG. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and WELLS FARGO HM MORTGAG with no successful resolution.XXXX, XXXX and XXXX was the only one / were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine. 
XXXXXXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX
Product: Mortgage

I would like to request a deferment for my XXXX mortgage payment. I have had to pay more bills this month. But I will keep the existing payment arrangements. That I have made.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I mailed a letter opting out of said companies reporting personal information to third-party companies such as credit bureaus, and other non-affiliated companies. I am making this complaint because I have gotten no response/effort from the company to comply with my request. In accordance with the fair credit reporting act, This creditor has violated my rights under 15 USC 1681section 602 states I have the right to privacy 15 USC 1681section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.