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

I had my bank account closed in XXXX at Chase in XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, CA. I told the bank would have close my account due to funds not available too me because I have a payroll block ; on my payroll. I then started hearing about wildfires in CA, close to where I was banking, I then read in the California DBO Oversight ; these counties need to close their accounts, with the bank. I wait a while to see if the banker would have told me and never did, I then closed my account, in good terms with banker, at that moment, I asked if I could return back to the with bank after I close the account, and the banker stated ; yes. 

XX/XX/XXXX ; I went to open a Chase Secured account, and it was fine, the account was opened, and did not receive my debit card in the mail. I called, left messages,, and went to the bank located on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. I was told they are closing my account, and they don't known the reason why. 

I called Chase Customer Service number to find out why, she stated there is no reason, it's the banks decision, and I said so dose that mean to ever bank at Chase again. The Customer Service Rep, said yes. 

XX/XX/XXXX, I sent a twitter message to Chase Support. XX/XX/XXXX stating they are sorry and could find me in the system, I respond with my account number ; XX/XX/XXXX today, I received a twitter message to call Chase, I called and was not able create an account
Product: Debt collection

A company called Jefferson Capital based in XXXX  contacted me on XX/XX/XXXX via email stating that I owed {$750.00}. They also provided the following : As of XX/XX/XXXX you owed : {$750.00} Between XX/XX/XXXX and XX/XX/XXXX You were charged this amount in interest : {$0.00} You were charged this amount in fees : {$0.00} You paid or were credited this amount toward the debt : {$0.00} Total amount of the debt now : {$750.00} This company did not provide any documentation other than the above information regarding this debt even though I requested said documentation on XX/XX/XXXX when I disputed the claim. They recognized my dispute in a emailed response the same day almost immediately. They said I should send them documentation disputing the claim! I have none since I haven't used XXXX in many years! So, instead of clarifying anything they reported this to the credit bureau and brought my credit score down over 150 points. 

Furthermore, the dates do not make sense as my account with XXXX was closed in XXXX or possibly XXXX. At any rate, I was not contacted by XXXX regarding any outstanding debt in the many years since then. I understand that the statute of limitations for collecting on a written contract in XXXX  ( where I lived prior to XXXX ) is 4 years. In XXXX XXXX where I am currently located, it is 3 years. This has all occurred just as I am attempting to obtain new housing and need to have a good credit score which I have been working on maintaining for some time now. 

My primary concern, besides my damaged credit score, is that this company is unlawfully attempting to collect money from any number of individuals. Even if it is just a small amount of money it is a criminal act. J.C. did not provide an exact date and had no documentation so it is all very suspect.
Product: Checking or savings account

On XXXX and XXXX, unauthorized transactions were made on the account totaling XXXX. I reported the issue to Branch Manager XXXX XXXX at the bank a few days later. She helped me fill out the fraud forms to start an investigation. To this date, no evidence of an investigation has been given to me. I have no documentation that any investigation actually occurred. 
XXXX now says the bank will not cover the loss. The bank is negligent because the transactions exceeded the daily limit for the account, exhibited an abnormal pattern of activity, and should have been denied on the spot.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I got my credit reports, i noticed my students loans were reporting open, closed - with XXXX. I have contacted XXXX in regards to my XXXX student  loan payment history- it shows 4 loans 15 payments each past due. Destroying my history and credit. I contact XXXX they show this are loans XXXX, XXXX, XXXX, and XXXX - I stated that my loans were suppose to be in default. Well when I initially contacted in XX/XX/XXXX - I called over the phone - Like I usely do to renew my economic hardship- the representative told me- to mail in proof of state assistance- I mailed information-never received any information that those 4 loans were ever in default. Sent a goodwill letter- no response. I need help getting this resolved
Product: Debt collection

I contacted XXXX prior to XXXX XXXX, XXXX to inform them that I was moving to a new residence. XXXX informed me that they did/could not provide service at my new address ( which happened to be in a different state ) and therefore I needed to stop my service. They did not inform me that I owed anything, but that I needed to return my devices that were owed to them. 
On XXXX XXXX, XXXX I received an email ( the only email after stopping service, email is attached ) stating that they had received my disconnect request, and again, did not state I owed any money. 
On XXXX XXXX, XXXX I returned the devices to the XXXX store in person, was told that I did not owe anything, and received a receipt stating that the devices had been returned ( attached ). 
On XXXX XXXX, XXXX I received a letter from a collection agency Diversified Consultants Inc. ( letter attached, letter dated XXXX XXXX, XXXX ) stating I owed a debt of {$220.00} to XXXX. I contacted XXXX and they informed me I owed the money as a cancellation fee as I had voluntarily cancelled my service. I informed them that I did not have an option, I did not want to cancel the service, but that XXXX could not provide service in the new residence I was moving to and therefore should not be liable for this cancellation fee, and in addition, XXXX never contacted me informing me I would owe this fee if I cancelled service. XXXX agent informed me that there was nothing they could do, but would have a supervisor call me back to resolve the issue. No supervisor ever called me. 
On XXXX XXXX, XXXX I sent a letter to Diversified Consultants Inc. disputing the debt ( attached ). 
On XXXX XXXX, XXXX I received a letter from Diversified Consultants Inc. stating that the amount I owed was valid. Also with that letter was a bill from XXXX ( attached ) stating that my service was disconnected with a balance due of {$220.00}.

I am disputing these charges because : 1 ) I was never informed prior, during, or after disconnecting my service from XXXX that I would be billed a disconnection fee. XXXX never contacted me about the fee before turning it over to a collection agency. 
2 ) I had no other option but to disconnect service from XXXX because they could not provide service at my new residence and I should not be responsible for this fee. 
3 ) I paid all money owed to XXXX for services delivered over a 4 year period, and should not be unduly charged a fee for moving to a new location, which this debt will negatively impact my otherwise good credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed an dispute with Experian twice now. I also spoke with the company who reported the information. They admitted that the information was incorrect but I would have to wait 30 to 60 days for it to update. I have the chat messages as well as a statement from the company ( XXXX ). I did another dispute and attached my documents Experian still didn't change the information. They said that it stands. But the information is wrong, the balance and late payments. I made two payments in XXXX, and my balance is way less then what they have reported to Experian.
Product: Checking or savings account

on XX/XX/XXXX, I started a complaint with CFPB case no. XXXX and it was closed to continue the case with the bank. I am starting all over again with the same complaint. my problem was from the very beginning that Citibank refuse to solve my problem by playing a game with the statute of limitations. i received a letter from the Citibank stating that due to the XXXX statute of limitations on checks and one-year statute for not reporting, they no longer help me with this case. 
The Citibank is not telling the true, my account was illegally closed, never received my money, and I have been trying to get an answer to my account since early XXXX but they weren't able to give me any answer until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have been XXXX XXXX XXXX and I haven't XXXX XXXX XXXX. I have always used XXXX XXXX XXXX. This issue is affecting my credit score. I need this issue fixed.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a hard inquiry on my credit report. I discovered this unauthorized inquiry while reviewing my credit report from XXXX, Experian, and XXXX on XX/XX/year>. The inquiry in question was made by [ Name of the Company that made the inquiry ] on [ Date of Inquiry ]. I did not authorize this inquiry, nor did I apply for any credit or services from this company.

I am concerned that this unauthorized inquiry may negatively impact my credit score and reflect inaccurately on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information I believe to be inaccurate or incomplete.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. aand they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 Have the right to privacy and I did not give Equifax written permission to furnish the accounts Accounts 1.XXXX XXXX XXXX {$13000.00} Open balance 12 XXXX XXXX XXXX XXXX Original creditor 2. XXXX XXXX XXXX Last reported XX/XX/2023 {$7700.00} Open balance 12 XXXX XXXX XXXX XXXX Original creditor 3.XXXX XXXX XXXX Last reported XX/XX/2023 {$7200.00} Open balance 11 XXXX XXXX Original creditor 4.XXXX XXXX XXXX XXXX Last reported XX/XX/2023 {$780.00} Open balance XXXX XXXX XXXX Original creditor 5XXXX XXXX XXXX XXXX Last reported XX/XX/2023 {$780.00} Open balance 12 XXXX XXXX Original creditor 6.XXXX XXXX Last reported XX/XX/2023 {$650.00} Open balance 08 XXXX XXXX XXXX XXXX XXXX XXXX Original creditor 7.XXXX XXXX XXXX Last reported XX/XX/2023 {$150.00} Open balance 06 XXXX XXXX XXXX XXXX Original creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a lot of addresses on my credit report that don't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending my CFPB complaint to inform you that the XXXX credit bureaus condoning illegal behavior. The fact that I am still disputing the items until now. I strongly believe that these items doesnt belongs to me. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain a highest scores. Be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to the Credit Bureaus but they failed to give me any results or feedbacks about this concern. The following items are inaccurate the are needs to delete in my credit file : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX Owed : {$4400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX Balance XXXX : XXXX ; XXXX  XXXX XXXX Balance Owed XXXX {$4400.00}.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am submitting this complaint personally, not on behalf of any third party, and it is not being made in error. Under penalty of perjury, I declare that I am alleging unauthorized use of my Social Security number and personal identifying information by an individual or company. Without my consent, they used this information to apply for goods, services, or financial gain, resulting in the creation of accounts. I have no knowledge of these accounts, they must remove any incorrect or unverified item. Their adverse and unacceptable actions have severely harmed my credit scores.
Product: Mortgage

I pull my XXXX credit report XX/XX/19 for my Nationstar mortgage account that has not been updated since XX/XX/2019. this is a constant issue with Nationstar reporting accurate information
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXXXXXX 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to the institution requesting the 1099C cancelation of debt for my income reporting purposes with the IRS. The institution did not provide it when the 'charge off ' was reported which means this needs to be removed from my credit report. I would have to amend my tax returns for that reporting year using the 1099C... not providing the 1099C if account was charged off is against reporting regulations
Product: Debt collection

All of these are from 2011 and payed off and the rest are account not done by myself. Cease to exist
Product: Credit reporting, credit repair services, or other personal consumer reports

I've attached the email I've sent to XXXX XXXX/ XXXX XXXX XXXX CREDIT CARD. 

They've have willfully caused financial harm for allowing continuous erroneous charges on my expired credit card. I was very sick and then attending to family for a deceased grandmother the past 7 weeks. Upon return to Texas, I was notified by credit bureau monitoring services that my credit was now showing 30 days late. 

Never in the history of my life have I ever been late 30 days with any creditor including XXXX XXXX. This account should be XXXX from XX/XX/XXXX through this moment and yet I still went ahead and paid this nominal {$200.00} frivolous charge that XXXX XXXX Allowed. Additionally, I've purposely tried to use the card this weekend and its delcined due to being expired in XXXX. I've NEVER even been able to use or charge anything on this card EVER since XXXX. 

I've contacted 2 law firms today and in addition, I'm also contacting my Attorney General 's Office in Texas and will be sending a complaint to XXXX XXXX ' state where they have their main HQ in the United States. Additionally, I've also sent a complaint to the Federal Trade Commission as they won't fix and correct my credit reports. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have Disputed a few accounts thru Equifax and they are not responding I keep getting stall letters saying I need to mail a copy of my ID and social the majority of the dispute was made thru this website and each time I attach my social and my ID. XXXX time I send them a copy of my Id and social and a utility bill to prove my Identity. I have provided them with more than enough proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF IDENTITY THEFT, I PLEA IS TO HAVE THIS FRAUDULENT XXXX  XXXX XXXX ACCOUNT REMOVED FROM MY CREDIT REPORT. THE ACCOUNT WAS OPENED WITHOUT MY CONSENT, THE CHARGES AND THE PAYMENTS MADE ARE NOT DONE BY ME. I HAVE NEVER REQUESTED THIS ACCOUNT TO BE OPENED. THIS ACCOUNT CURRENTLY IS CLOSED WITH A XXXX BALANCE,, NEVER THE LESS THIS IS A FRAUDULENT ACCOUNT AND ITS NOT MINE,
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX # XXXX, XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I was called on XX/XX/19 and the caller would not identify themselves from the company name or any info regarding the call. the first call was at XXXX p.m. When they called back and I told them to stop calling the lady told me XXXX XXXX listen to your voicemail. She then called back and said we are proceeding with your case I was called at XXXX, XXXX XXXX, XXXX, XXXX, XXXX and finally at XXXX p.m. pm I have call records that can show these calls. My voicemail stated : I have a claim number XXXX and I have been officially notified to contact XXXX, that I am being granted the opportunity to contact the firm handling this so I can discuss the matter. Again no company name. The lady then proceeded to call my aunt and state that I had XXXX minutes to call her back because I did not show up for a court case I was summoned to and then changed her story to say I knew what it was in regards to and I was being sued for collections. The latest message today XX/XX/19 states that I know what the call is in regards to and I need to call the XXXX number which when I call back states it is Global Incorporated and I do not know if they are legitimate. According to consumer affairs they are out of business. However today again I was called XXXX am twice hung up and called back immediately left voice mail at XXXX and then called back the third time at XXXX am. Telephone harassment occurs when someone intends to annoy, harass, or threaten you by : ... making a telephone call without identifying onesself. making repeated telephone calls where the conversation consists only of harassment, or. making a telephone call and using heavy breathing or silence with an intent to intimidate. That is exactly what is happening here, a legitimate company should not curse and threaten you. I called them back several times and they continued each time I called them to ask them who and what they were they hung on me each time. The third time I called I was told XXXX XXXX you are not allowed to repeadetly call us and I will be served and she hung up on me. AGAIN, if you are legitimate and you see me calling why are you not answering who you are. Why would I give out any information to a company who will NOT state who and WHAT they are.
Product: Credit reporting or other personal consumer reports

I had called XXXX XXXX to remove a collections items, which they did and asked me to check with the credit beaureus. This was XX/XX/year>. I called XXXX XXXXXXXX Monday XX/XX/XXXX and haven't been able to get thru EXPERIAN., I have tried like millions of times using differnet phone numbers- I am routed to XXXX. I created a dispute and still waiting. I had called transunion, they agreed that they did get a removal request and the collections will be removed. However EXPERIAN is unable to be reached. Seems like they want to push people to pay for their premier service even to correct something that I shouldn't be even calling!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Kohls / Capital one in XXXX of this year to settle the account. I offered a payment if they would do a pay / delete deal and they agreed. I paid the settlement amount but they did not delete the account from the credit bureaus as agreed.