23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

A dispute was escalated with Chase Card Services due to an unauthorized/not validated Final statement of charges provided on XX/XX/2021 ; in the amount of {$2200.00}. The Final Invoice clearly states " Your signature is required '' and was never signed. Per the office staff at XXXX, not all services were completed. Incorrect and False information provided on statement of charges. It is almost impossible to communicate with employees at Chase Card Services when calling by via telephone due to the lack of staffing ( automated messages only ). Police report provided to Chase and case was still closed out without any prior communication and/or follow-up. Please See Attached, Additional detailed information available upon request.
Product: Credit reporting or other personal consumer reports

My credit monitoring service reported an alert from Equifax on XX/XX/XXXX due to a new address - change of address. I called Equifax on XX/XX/XXXX to dispute this information and the person who took my call would not tell me the origin of what triggered this alert. I asked how to receive a free credit report so I can examine the source of this alert and the person instead tried to sell me a {$20.00} per month Equifax monitoring plan. I ended this call and tried to obtain my free credit report from the Equifax website. After I filled out all this information the Equifax website returned an " Oops error '' error that this process can be completed. So I have tried calling Equifax and using their website to obtain a free credit report to understand a possible attempt at identity theft and I am unable to resolve this problem through either method.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of a data breach, and fraudulent accounts and inquiries have been made using my personal information. I am requesting immediate action to block and permanently delete all accounts and inquiries that were created or accessed without my consent, in accordance with 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ).

Below is a detailed list of the fraudulent accounts that must be blocked and deleted from my credit file : Fraudulent Accounts : Chapter XXXX Bankruptcy - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} DEPTEDXXXX - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} DEPT OF EDUCATION/XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} DEPT OF EDUCATIONXXXX - XXXX - XX/XX/XXXX - {$00.00} DEPTEDXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - {$00.00} DEPTEDXXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX {$00.00} DEPTEDXXXX XXXX XXXX - XX/XX/XXXX - {$00.00} DEPTEDXXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} DEPT OF EDUCATION/XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} DEPT OF EDUCATIONXXXX XXXX XXXX - XX/XX/XXXX - {$00.00} Unauthorized Inquiries : 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 XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX at XXXX am I was notified by email that there was a login to my Chime account from XXXX from an XXXX device. 

I do not have a Chime account. 

On XX/XX/XXXX at XXXX am I received an email welcoming me to my new Chime account, asking me to set up direct deposit. 

I replied to XXXX and let them know I did not sign up for a Chime account. 

On XX/XX/XXXX I received an email letting me know that a Chime XXXX XXXX XXXX is being shipped to me at my home address, but that purchases can be made through the app while the physical card is on its way. there is no phone number in any of the emails to call Chime. 

I did not sign up for a Chime account. 

I have tried calling a few chime customer service numbers I found on the internet, but I have not been able to speak with a human. I want to cancel this account. I did not sign up for a Chime account.
Product: Debt collection

I had  XXXX  in  XX/XX/XXXX . I had medical insurance and I never received a bill from the hospital concerning the  XXXX . Three years later, I received a notice from a debt collection agency stating that I had a balance due from the  XXXX . The balance was {$1100.00}. The debt collection agency has tried numerous times to contact me via phone calls and notices in the mail. On  XX/XX/XXXX , the debt collection company filed a claim against me through  my local county 's  magistrate court.   Last month, I obtained a copy of my credit report and the debt collection agency has placed the debt on my credit report as a collection. I do not owe this debt. I never received a bill for {$1100.00} from the hospital in the years following the  XXXX . The hospital where the  XXXX  took place has filed bankruptcy within the last few years and is under new management. I believe this bankruptcy has forced this new company to try to obtain monies from past patients.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights. 


Account Name : XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXXt # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX Account Name XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

In response to a widely publicized promotion, I opened a checking account at CitiBank on XX/XX/XXXX. In accordance with the rules of their promotion, they pulled a little over {$50000.00} from two of my other financial accounts. In return, they were to pay me a bonus of {$700.00} after the money had been on deposit with CitiBank for 60 days. 


On XX/XX/XXXX, they sent me a letter saying they were closing the account, but gave no explanation. When I called on XX/XX/XXXX, they still had no explanation, but said they would be returning the money to the accounts they pulled them from within a few days. When I called them early today, they acknowledged they were still holding my money for no particular reason, but they said they would send me a check by snail mail in about two weeks. 


At this point, I feel I have been defrauded. They snookered me into depositing a lot of money in return for a bonus they now don't want to pay. They had no reason to close the account, and now they refuse to return my money. I don't want them to send me a check, because I don't want to take the chance of it getting lost in the mail, which would cause a whole new set of problems. Why can't they just return the money to the accounts they pulled it from, just like they told me they would? 


Finally, I was shocked when I looked at your database to see how many similar complaints have been filed against CitiBank. This caused me to dig a little deeper, and it turns out the internet is littered with complaints about CitiBank burning customer like this. Here are some : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXXXXXX 3. XXXX XXXX XXXXXXXX 4. XXXX XXXX XXXXXXXX 5. XXXX XXXX  XXXX 6. XXXX XXXX XXXX In fact, the XXXX XXXX XXXX wrote an article ( XXXX XXXX XXXX ) about CitiBank screwing customers over like this going back to XXXX. 


And the XXXX XXXX XXXX now reports they have received so many complaints about CitiBank, they cant publish them all ( XXXX XXXX XXXX ). 


CitiBank 's misconduct has been so longstanding and so egregious that it is now time ( or past time ) for the CFPB to take strong and effective enforcement action to stop their continued abuse of helpless and innocent consumers.
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 XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX / XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$25000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TN XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my SECOND NOTICE that I'm DISPUTING inaccurate personal information found on my credit report. The following information is NOT ME and I have NO RELATIONSHIP to it. Please remove the following information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for wilful noncompliance to FCRA regulations. 

XXXX
Product: Student loan

They refuse to provide their XXXX  discharge forgiveness form, then said it did not exist. They cant give me an accurate accounting or status of my loan which Ive been trying to get confirmation of the balance for years - Ive never taken private loans - all loans were direct loans that were consolidated with Sallie and then when Sallie restructured my loans were recharcterized as XXXX loans. Ive moved, had joblessness, periods of illness and all kinds of issues over the years, when I got to a point to review my loans I had XXXX main issues. XXXX ) a tremendous amount of debt from XXXX  XXXX XXXX that mis represented their programs, services and costs, job programs etc XXXX ) that tremendous balance is higher than it should be which is to any or all of the following - loan transferred to XXXX servicers without clearing the balances - double charging, XXXX XXXX XXXX and costs were not clearly laid out and laid out in a way hard to follow - reps would not explain anything - in the past I have asked navient to confirm my balance and origination documents- they have only presented e-sign documents that I have never seen. Given that I was approved for defense to repayment by the dept of education Navient was supposed to discharge my loans. The project on predatory lending stated that due to being a XXXX consolidation loan Navient will forgive/discharge upon request of their form. After years of going in circles and waiting for XXXXXXXX XXXX XXXXXXXX I requested the form through Navient  on XX/XX/year> and as of today XX/XX/year> they say it doesnt exist. They cant give me any details or help me in any way. Their website says I have no payment due, they send me a bill showing I have a payment due - the balance has changed several times XXXX no explanation.
Product: Mortgage

On XXXX XXXX, 2006, XXXX XXXX XXXX and XXXX XXXX XXXX, Husband and Wife, at Common Law, Tenants by the Entirety, as Fee Owner, executed a promissory Note secured by a Mortgage. ( see " Attachment '' ). The Note identified the lender as Plaza Home Mortgage, Inc. The Mortgage stated the lender was Plaza Home Mortgage , Inc., a corporation originated, and existing under the laws of California. 
XXXX XXXX was the loan officer of XXXX dba All XXXX ( XXXX ), who brokered the mortgage loan in 2006. The Professional and Vocational Licensing Division, State of Hawaii records appear to indicate that XXXX was never licensed as a mortgage broker, or solicitor. 
Also, in XXXX 2006, XXXX was not licensed as a Hawaii mortgage broker as required under Chapter XXXX, Hawaii Revised Statutes. ( see " Attachment '' ). 
A {$2400.00} broker fee was paid to XXXX. ( see " Attachment '' ). 
According to the Professional and Vocational Licensing Division, State of Hawaii, XXXX was never licensed as a mortgage broker, therefore making the Note, and Mortgage void. ( see " Attachment '' ). 
Plaza Home Mortgage , Inc., and its successors in interest had no right to receive payments on the mortgage loan because the loan was invalid, and therefore void.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for false reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit card or prepaid card

Dear Officer : I am currently American Express credit card use, last month i tried to transfer my AmEx Membership reward into my airline membership account to redeem reward ticket, but it looks like they frozen my account, and says " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria ''. I called them later, but they do told me it will take some times. But i am waiting so long about it, i just use my credit card normally, i do not think i did anything improper. Because they frozen my account, the reward ticket was gone. It really made me annoyed and that is why i asked CFPB for help. Please help deal with issue, it really made inconvenience and annoyed.
Product: Credit reporting or other personal consumer reports

I have reached out to credit bureau to remove all these incorrect items on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX **Subject : Credit Report Dispute Request for Removal of Repossession, Inquiries, XXXX XXXX, and Collections** Dear Dispute Department, I am writing to formally dispute certain inaccurate and outdated information on my credit report. Upon reviewing my reports from Equifax, Experian, and TransUnion, I have identified several items that require immediate correction. The following accounts are disputed : XXXX. XXXX XXXX XXXX XXXX XXXX : ** [ XXXX ] **Date Reported : ** XX/XX/XXXX **Issue : ** This account has been inaccurately marked as a repossession, but it has been fully paid off. I request that this item be removed from my credit report as it is negatively affecting my XXXX XXXX. 

XXXX. XXXX XXXX, XXXX XXXX XXXX Number : ** [ XXXX ] **Date Reported : ** XX/XX/XXXX **Issue : ** This account is listed as a charge-off, but I dispute the validity of this information. I request that it be removed from my credit report if it can not be properly substantiated. 

XXXX. **Unauthorized XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ) Additional unauthorized inquiries are also listed on my report. 
**Issue : ** These inquiries were not authorized by me. According to the Fair Credit Reporting Act ( FCRA ), unauthorized inquiries must be removed from my credit report. 

XXXX. **Collections XXXX XXXX XXXX XXXX XXXX Creditor : ** XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ** [ XXXX ] **Amount : ** {$820.00} XXXX*Issue : ** This collection account may be inaccurate or outdated, and I request verification or its removal if it can not be substantiated.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an investigation into these disputes and their removal if they can not be verified as accurate. Please provide a written response within 30 days, as required by law.

Thank you for your prompt attention to this matter. I look forward to your confirmation of the corrections made. 

Sincerely, XXXX XXXX
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 account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  XXXX XXXX  account # XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX  account # XXXX has violated my rights.

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

15 U.S.C 1681 section 604 A. section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am reaching out for your assistance with the incorrect entry on my credit report. This matter has negatively affected my reputation, and I need your help to resolve it. The way you have handled my credit report has caused significant damage, leaving my reputation in ruins due to your inaccurate reporting. I urge you to correct these issues so that I can live peacefully with my family.
Product: Credit card

On XX/XX/2017, I received a letter stating that Bank of America charged me {$1000.00} for a returned check. A couple of weeks ago, I spoke with XXXX on XX/XX/2017. I paid {$1000.00} to cover any outstanding payments for the XXXX statements. I told her since I have a very good record, can you waive the fees. She did. I cancelled the check I sent on XX/XX/2017 for I did not want to pay for double on my credit card. 

When I called Bank of America on XXXX, I spoke with XXXX of New York. I told her what the letter indicated : " Your account has been charged {$1000.00} for the returned payment. Your minimum payment due has been recalculated as a result of the payment .... 

" What you need to do : Submit a replacement payment upon receipt of this letter to avoid additional fees or interest charges, if you have n't already done so. Call us at XXXX to get your revised minimum payment amount and to make a payment by phone. 

She told me that my account has not been charged. I said, it has been - I 'm going on with what this letter says ( See enclosed letter. ) She gave me her supervisor 's name XXXX and his number XXXX. She asked me when will it be a good time to call? I said now. She said he is with a customer now. When is a good time to call you back? I said now. 

The issue has not been resolved.
Product: Checking or savings account

On XXXX XXXX, I deposited a XXXX check for {$74000.00}. I have the deposit slip. then on XX/XX/XXXX I received my bank statement from US bank ( Bancorp ) for my savings account.. The amount stated above was not applied nor deposited. I called the bank and the statement was the same. I called the local US Bank where I deposited the check and they hemmed and hawed and finally said it was a computer error. I don't believe it.because it would have been on the news like the one that occurred XXXX XXXX,. Then On XXXX XXXX, I went to the bank and they gave me a piece a white paper not USBank stationery and they deposited my money on XX/XX/XXXX, not XX/XX/XXXX. I asked for a letter explaining what happened and they XXXX XXXX, mgr. said they couldn't do that. You can't get the corp number. just the address. XXXX gave me the name of the district mgr. and I will call him on Monday XX/XX/XXXX. I asked for an updated bank statement and she said she could not do that. This is horrible. where is my money.??? Please HelpXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a copy of my consumer report and notice fraudulent accounts on my report. These accounts do not belong to me. Please remove these accounts from my consumer report. According to the FCRA these accounts must be blocked from my credit file. Pursuant 15USC 1681C2 these accounts must be locked from my consumer file within 4 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a number of inquiries that I do not recognize, I need to have these removed. Thank you!
Product: Credit reporting or other personal consumer reports

I talked to a representative at Experian and we figured out the issue of why my credit dropped. The Experian representative informed me they only report what the company sends in so the error could not be the fault of Experian. After contacting XXXX they informed me Experian made an error so I'm refiling this compliant with the updated information I gather from Experian today XXXX. The issues at hand is last month XXXXXXXX XXXX reported my XXXX loan accounts as current/terms meet, meaning I paid off or paid the loan which was an error and incorrect information. The status of the XXXX account in XX/XX/2024 should have been in charge off status like it's been for 2 years. This month which is XX/XX/20XXXX XXXX reported the account as a charge off again, which dropped my score. XXXX reported false/incorrect information for the month of XXXX which caused my score to plummeted. This is unfair and highly illegal. Reporting wrong information is in violation of the FCRA and by XXXX reporting incorrect information about the status of my account in XXXX XXXX should be deleted from my credit report due to the damage it has caused. If XXXX  claimed I paid in XX/XX/2024 ( which I didn't ) or that the account was current, how can they turn around the next month in put it back in charge off status in XXXX. I would like a detail explanation explaining why this occured and why experian reported this incorrect information. When you can clearly see it was an error.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX  this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.