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

On XX/XX/XXXX, I received an email from Chime stating that they returned my return of {$10000.00} because it didn't match my name. I called them to see what happened and they said that it wasn't refund season and it was over XXXX XXXX dollars. I asked if I received it in check form and would I be able to deposit it and they said yes. That was confusing in and of itself. I then called the third party that issued my refund to Chime to see if they could get a check sent to me, they said they sent it back to XXXX XXXX. I called XXXX XXXX ; they said they'd send it to the address on file but the problem with that is, I no longer live there. Now I'm finding out that my refund has been sent back to the IRS and is back in verification and I will have to wait three months to receive what I had been waiting on for eight months. I was expecting a check so I could allot it to my bills and pay my rent but now that's not happening. No matter what season or amount, my money should come to me without limits. I have to stay with them because that's where my refund for XXXX  is going to go but this tax season, I'm sending it to my other bank because I can't afford for this to happen again if I don't get my refund in or around tax season.
Product: Credit card

on XXXX XXXX i had a XXXX and been put on long term XXXX.havent been able to work since then.have repeardly told walmart and synchrony bank i am on hardahip and not to call. they constantly call and block thier nemer and are very rude and use bank names i dont deal with they say its personal and the mlae that calls refuses to give his name i tell them not to call and explain why they dont listen or care they will geet a payment when i can this all started when i was a month late with them
Product: Credit card or prepaid card

I filed three disputes with Citibank on three credit card transactions after a foreign airline cancelled my flight but wouldn't refund all of my charges. Citibank said I lost the dispute because I didn't respond quickly enough to messages they placed in their online " dispute center ''. However, they never notified me that I had messages and need to go to their website to view them. Additionally, even after the merchant said they tried to refund me but that Citi rejected the refund Citi refused to help me. Citi tells me to go to the merchant, but the merchant says the problem is with Citi. Citi does not acknowledge receipt of emails, does not communicate when there are new messages and closes disputes in favor of the merchant without making any attempt to protect the customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I opened an account with XXXX XXXX XXXX XXXX and the account was closed on XX/XX/XXXX, A derogatory remark was made on my credit report XXXX, XXXX, Transunion, stating that this account has a balance of {$2500.00}, and also that I have late payments XX/XX/XXXX of 120 days late I can not understand how this can be possible is the account was closed in XX/XX/XXXX and how can any account be reporting late for 120 days for 3 consecutive months? Also I did have an account here but my balance has never been {$2500.00}, I do n't understand how they can add {$1000.00} plus dollars to my account, please help me I have contacted this company many times I would like to address these issues by either paying what i truly owe them or get this negative remark removed from my credit report.
Product: Credit card

In XX/XX/2023 I did a reservation using XXXX to stay in a house in Florida for the amount of {$1900.00} and {$200.00} deposit for the property in case of any damages. On XX/XX/XXXX of 2023 the property owner charged my card for the amounts of {$1900.00} and {$200.00} And on XX/XX/XXXX of XX/XX/2023 they charged again {$1900.00}. days later when I noticed the charges, I called the property to ask them why they did that, they replied saying that it was an error and that they have already refunde the money to the card. I checked and it was not true so I called the credit card company to dispute the extra charge of XXXX They told me not to worry about it and that they will issue a new card and that they will investigate and so, in XX/XX/XXXX of 2023 credit card sent me a letter saying that they had issued a credit back to my account of the XXXX from XX/XX/XXXX of 2023 and they considered this matter resolved. The other {$1900.00} and {$200.00} I paid them to my credit card company on XX/XX/XXXX XXXX, the amount I paid was {$4900.00} ( I didnt like to carry a balance so I would pay my balance in full ) .Later in XXXX of 2023 my credit card was fraudulently charged multiple times so I decided to canceXXXX the reservation and because I was unable to get a response from XXXX or the property regards my reimburse for the {$1900.00} and {$200.00} I disputed the charges. The nightmare lasted several months until finally in XX/XX/XXXX 0f 2023 the credit card company issued me a credit back to my account. So I called them and asked them why they did not sent me a letter to notified me, they responded saying that they did. Which is Not true. so asked them when will I get my refund for the amounts that I have already paid to credit card in XX/XX/XXXX of 2023, they said that they did not owe me anything, that the only thing they could do was a to check the whole account and that wit will take them up to 3 weeks. Later I got an message saying that they did not find anything. I called them again and explain them and this time the charged me for the {$1900.00}, {$200.00} from XX/XX/XXXX of 2023 and also {$1900.00} from XX/XX/XXXX of 2023. XXXX ok now according to them instead of they owning me my money they want me to pay {$4000.00} XXXX. I dont know what to do everytime I call they have that attitude of like you cant do nothing about it, I do have screenshots of everything, emails and pictures. 
Please help me I just want my money back and everything back to. Or mal XXXX dont want my credit to be affected. Thank you Note I have a lot of pictures and emails and screenshots and a police report. If you need anything else please let me know. Thank Credit card info XXXX XXXX XXXX from city bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certificate letter to EXPERIAN on XX/XX/XXXX ( XXXX ) asking to validate US BK XXXX AND XXXX listed on my credit report. Per the FCRA 623 ( a ) ( 5 ) : if the Credit Bureau can not VALIDATE the information with the ORIGINAL creditor, they must remove said information from the consumer credit file. Public records information is NEVER validated by the Recorder of Deeds nor the US Court system due to the Fair Credit Reporting Agency PRIVACY LAW. In XX/XX/XXXX EXPERIAN answered my letter with report number ( XXXX ) indicating that those public record items WERE VERIFIED AS ACCURATE. They use a third party vendor XXXX XXXX to validate the information, In XX/XX/XXXX and XX/XX/XXXX I received from XXXX 2 letters ( attached copy ) saying that were unable to verify the accuracy of bankruptcy case number XXXX and XXXX subsequently they had to remove from their records. It is clear that EXPERIAN used false information to verify the accuracy of the US BK XXXX AND BK XXXX LISTED ON MY CREDIT REPORT, for this reason through this complaint I ask you immediately to DELETED BOTH ACCOUNTS FROM MY EXPERIAN CREDIT REPORT.
Product: Debt collection

On XXXX my daughter contacted me about a phone number of XXXX that kept calling her asking for myself. She preceded to tell them that that was not her phone number and please quit calling. They called back two more times ( a total of three times on this day ) and when my daughter said this is not my moms phone they hung up on her. She said the gentleman was a complete jerk and very rude. The third call was a lady saying I had to go to court over money I borrowed. I have never received any court documents for this place of business. I was late two payments in XXXX  and settled out on a payment plan with them. Just out of the blue they call and harass my daughter.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I received a text notification from my Robinhood app stating that a bank account was added to my account. Since I didn't add it, I emailed robinhood support to notify them. About an hour later, I received a series of messages notifying me that my stocks were being cashed out! I emailed Robin hood again to let them know that my account was hacked. In total, I've lost close to {$1000.00}. I have not been able to sign into my account since it was compromised. Since Robinhood do not have a phone number for customer service, I've emailed them XX/XX/XXXX, XXXX, and XXXX. They have yet to respond to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has made it nearly impossible for consumers to reach them by phone in order to resolve credit issues. It only give you two options when you call : order a credit report or place a security freeze. Its absolutely ridiculous and impossible to reach someone at experian. As consumers it should not be this difficult to reach ANY credit agency. In addition to that they state that a proper number is provided on your credit report and it isnt! Experian is making it nearly impossible for me to secure my home by placing this hurdle. I cant even finish the underwriting process for my home loan because of this roadblock they have placed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft for 3 years, I have tried to rectify this situation with the credit bureaus and they have failed to remove all of the fraudulent information from my reports. XXXX has refused to do a thorough investigation on 3 separate occasions. They have verified information in less than XXXX hours in each dispute. The creditors have removed the accounts from the other 2 bureaus. The accounts are as follows : XXXX XXXX, XXXX 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 AND INQUIRIES XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; I have requested 2 times that Lexis Nexis Consumer Center provide me with proof of my signature bearing in reference to a Chapter XXXX bankruptcy that is showing on my credit report. 

I have challenged Lexis Nexis in reference to this inaccurate, incomplete, unfair and Unverifiable Bankruptcy and their responses came back that it was verified. I advised Lexis Nexis that any Automated Response or pacer and or matching up the last 4 of a consumer social security number for verification is Unacceptable. 

I also provided a copy of a letter From the US Bankruptcy Courts of Pennsylvania explaining their reporting procedure to agencies in which was sent to me Via Mail which I was advised that they do not report nor do they validate and or confirm public records due to the Fair Credit Reporting Agency Privacy Law. Per FCRA 623 ( a ) ( 5 ) " IF the Credit Bureau can not Validate the information from the original source and or ( creditor ) than they must remove said information from the consumer files. 

First letter sent to LexisNexis was XX/XX/XXXX. LexisNexis did not respond within the required 30 day window, when they did reply, they did not offer information my signature. They indicated that the report was sourced from the Courthouse information, Property records from the Courthouse. 

I mailed them again on XX/XX/XXXX indicating that they still not answer the request to present my signature. I also received a letter from the bankruptcy court indicating that they do not verify any information with Credit bureaus or LexisNexis. 

I received a response to my original letter ( dated XX/XX/XXXX ) which was dated XX/XX/XXXX. The response to the original letter still offered no proof of my signature bearing this Bankruptcy. Again, I received nothing except saying it came back as verified without documentation of my signature which are violations. 

LexisNexis has failed to respond to the requested action in both the response window, and the proof on how this information was reported to them, and can not verify the source of the information, with proof of my signature as well. As indicated by the bankruptcy court, this is questionable reporting, and should be removed at once.
Product: Vehicle loan or lease

After purchasing my 2022 XXXX XXXX XXXX in XXXX of 2022, I did not receive my title for more than two months. At that point, I received a " title for registration purposes only '' in the state of XXXX 

After relocating to the state of XXXX in XXXX, I was told this title was unacceptable for registering my vehicle, which is my only mode of transportation. I formally submitted a request via mail to Hyundai Motor finance the second week of XXXX. 

Since then, I have called upwards of 10 times in an attempt to get through to the title department to determine when my title will be sent to the DMV in XXXX  so I can register my car. I have had success getting through one time in the beginning of XXXX and was told my transfer was " in process '' but it is my responsibility to continue following up to ensure the transfer goes " smoothly. '' At this point, on XX/XX/XXXX, the DMV has still not received my title and I can not legally drive my car.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 I had a collection account placed on my credit reports. The company, XXXX XXXX advised they were attempting to collect a debt on an account that is not mine. I have placed fraud alerts on my credit reports and disputed the erroneous information. I also have completed a FTC XXXX affidavit as recommended and attached. Also is correspondence from the collection agency indicating they would be removing this information from my credit reports. Please see attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to my prior complaint through cfpb, XXXX cards sent me a letter dated XX/XX/2018 apologizing for the confusion with my account and agreed to uphold our payment arrangement. They advised me that they would be writing my balance off at the end of the year. I went to help my son get a loan for his car and it was brought to my attention that my credit score had dropped significantly, more than 100 points from the 700s to now the 500s. In reviewing my credit report I found that sometime earlier in the year XXXX not only dropped my credit limit affecting my credit utilization and credit score, but also started reporting my account delinquent affecting my credit score. I called XXXX several times and about a week ago spoke to someone/manager who acknowledged that this should not be happening and he would get corrected. As recently as today, the account is showing 60 days delinquent, which is not the case per our payment agreement. 
I want my credit restored. If XXXX is going to write off the debt which will likely affect my taxes, then I do not also want to be hit with the terrible effect on my credit. In the last few months I went from good credit to poor credit which is not reflective of the type of consumer that I am. It is unfair and I don't think that any company should do that to a customer. Really disappointed with XXXX cards once again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with XXXX XXXX XXXX XXXX that originated on XX/XX/XXXX. I defaulted on this loan on and the vehicle was subsequently reposessed. I settled for an amount and the rest was shown as a charge off. In a vain attempt to have this negative information removed from my credit report I filed a dispute with the Experian and XXXX and subsequently disputed the results of those investigations. I have recently tried to have the information that I did not agree with the results of the dispute removed from my credit report. After speaking with XXXX XXXX XXXX XXXX XXXX I had a letter faxed on XX/XX/XXXX from their XXXX, KY location to their credit reporting location of which I have attached. After not receiving a response within 30 days I filed a dispute with Experian on XX/XX/XXXX and received the results under report number XXXX on XX/XX/XXXX. The information that I did not agree with the results of the previous dispute was not removed and my account was moved into a collection status.
Product: Credit reporting or other personal consumer reports

Once more, I must emphasize my disagreement with the items listed below, which persist on my credit report despite your prior investigation. I am formally requesting an immediate re-investigation of these inaccuracies. Their presence is significantly detrimental to my credit score, especially regarding the XXXX  XXXX Account XXXX. As stipulated by The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsections A-D, I respectfully demand the provision of the names and business addresses of each individual you consulted to verify the aforementioned items. This information is crucial for me to pursue further action if necessary. Upon the completion of your investigation and subsequent corrections, I kindly request the issuance of an updated credit report.
Product: Debt collection

I recieved a letter from Synergetic Communication , Inc. today. They are located at XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX. 
The letter stated that I owed {$8700.00} from XXXX with a 7 digit account number.

I do have 4 accounts with XXXX. One paid in full a few years ago, current and closed at my request. Two, paid in full, current and open. One with a small balance, current, recently paid and open. 
I do not have any accounts with XXXX that even have that high of a balance nor do they have 8 digit account numbers. 
I contacted XXXX and received a recording to leave a voicemail. 
Not knowing if I had fraud under my name I checked XXXX and found no accounts past due with these balances for XXXX associated with me. 
I then called XXXX and spoke with customer service, collections and fraud departments. While on the phone with them I again checked my accounts with XXXX and as stated above found them all to be in order. No department at XXXX could even find that I have ever had an account with them that 1. went to collections or 2. for this amount and the collections dept. verified that they do not use 7 digit account numbers for an account or a collection account.

This is a frraudulent company trying to collect falsified debts or debts barred by time constraints which is against the law. Luckily for me I am an informed consumer who also at one time worked for XXXX and underwent extensive FCRA training. This company needs to be fined and forced out of business as they are preying on the uninformed.
Product: Debt collection

The healthcare provider said I owe a debt from XXXX of {$540.00} and {$100.00} that was covered by XXXX. Provider refuses to show an itemized bill explaining charges but demands payment. I don't owe anything because medicaide paid 100 %. I Have been trying to get this removed for years. The provider explained it would be taken care of because it was a mistake from his office but nothing has been done. I have sent in a debt validation letter in both XXXX and XX/XX/XXXX and I have called but no return call.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. The following items are listed below : XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$17000.00}, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$4500.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX TX ) XXXX Balance : {$6500.00}, ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00}, XXXX XXXX XX/XX/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: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/23 i mailed a formal dispute to equifax and have yet to get a response i have called them and they have my letters but have not processed the disputes i have requested
Product: Debt collection

Received notice from American Coradius International LLC concerning a XXXX debt for {$2600.00}. 
XXXX. I have never had a XXXX credit card. 
XXXX. My account number is nowhere near the same account number they represent. 
XXXX. XXXX has my transaction records that show my expenses, and there have not been any fraudulent activities since 2001. 
XXXX. The letter describes " XXXX XXXX XXXX '' when the actual name of the business is " XXXX XXXX XXXX ''. 
XXXX. I have all three credit companies that I review at least once a week ; XXXX, XXXX, and XXXX. There is no fraudulent activities shown on any of them for the last 6 years. 
XXXX. I have my credit locked by all three companies. 

This is an attempt to obtain money when there is no evidence of inappropriate purchases or another credit issue.
Product: Mortgage

XX/XX/2021 for {$490.00}. This company promised to fund me loan after about 4 months of process. They fraudulently charged me {$490.00} for appraisal which I never approved nor negotiated with the seller. When I informed them that they wrongfully charged me and that my contract is for another property, they promised to adjust the amount on the mortgage loan towards the correct property, and charged me another appraisal towards the new property on XXXX XX/XX/2021. They provided a commitment letter and informed our attorneys that our loan has been approved based on which we set our closing date for XXXX XX/XX/2021. After 4 months of process, and a few days before closing, they said they can't give us the loan cause they made a mistake and were negligent in their process. They misrepresented us, fraudulently charged us for 2 appraisals, been negligent and purposefully delayed our loan, breached the commitment letter after setting a closing date. Request for refund of XXXX or give the loan as promised and approved. Thank you.