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

Hello Chase bank let unauthorized charges go on me and my wife credit cards without us knowing about it till it was to late A online casino company call XXXX XXXX ran up over XXXX dollars on 7  cards. We lost the dispute because they said it pass 30 days we disputed with the credit bureaus didn get anywhere now we left with XXXX debt chase bank never let us know anything when these unauthorized charges was bein made.we filed police reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the attached contract and bank check to Mariner Financial on XX/XX/XXXX and was signed for on XX/XX/XXXX. As seen on the attached contract and written on the check, if the check was cashed Mariner Financial would have 30 days to remove the trade line from my credit reports. As seen on the attached cancelled check, it was cashed on XX/XX/XXXX. As of today XX/XX/XXXX the trade line still remains on my credit reports. Mariner Financial has to remove the trade line from my credit reports immediately or I will bring a suit against Mariner Financial for Breach of Contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM NEITHER XXXX  OR TRANSUNION, ALTHOUGH XXXX HAS BEEN ABLE TO REMOVE IT COMPLETELY. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE
Product: Debt collection

Our cell phone receives multiple calls each week from RMP LLC debt collector from different toll-free phone numbers, each with the same automated message : " Hi this call is from a debt collector this is our RMP LLC please call us back at XXXX again the number is XXXX '' We have attempted to call this number on multiple occasions during business hours to obtain further information and get another automated voice message, unable to reach a live representative. 

We block their phone # and then receive similar call from another toll-free number from them with same automated message.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began disputing these items with the Credit Bureaus on XX/XX/XXXX. I sent follow up letters onXX/XX/XXXX and XX/XX/XXXX. I believe the public records reporting on my credit report are not reporting accurately nor or they in compliance with the FCRA and FDCPA.
Product: Debt collection

In regards to case # XXXX I just realized that this agency is doing this illegally. XXXX XXXX is from XXXX and this is how this bogus account came to being because XXXX told his associates to make up this debt to collect it from me. He knows about the code enforcement and the XXXX being aware that he was illegally pirating power and putting the charge on my account. I have my closing bill from XXXX, XXXX. and I will enclose it as a attachment
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX. I received a letter from Transunion in response to a Previous dispute that I have filed disputing unverifiable and inaccurate accounts on my credit report. 
The account disputing our as follows : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # : XXXX I

n my original letter sent via certified mail to Transunion I asked that they remove these two accounts because they were unverifiable and in accurate. I received a piece of mail today saying that they verified the accounts. Therefore, I would like documentation explaining that verification process. If this documentation can not be provided, I would like these two move from my report immediately
Product: Debt collection

Collection Bureau of America Account number XXXX XX/XX/202XXXX XXXX  XXXX XXXX and XXXX Contact info phone number : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I pay for about less than XXXX dollars of Gas and Electricity monthly and I have XXXX and the reason that I have medical is because I have low income. 
Its impossible for me to have and live in XXXX apartment that I have to pay more than XXXX per month ( XXXX ). 
How I said before for XXXX, I am a victim of an XXXX XXXX. 
XXXXm submitting pictures of my bill of gas and electricity.
Product: Credit card or prepaid card

I applied to JPMCB CARD SERVICES and they have committed adverse action against me by denying me credit based off of my income as well as my history of use of credit. I was discriminated against by JPMCB CARD SERVICES. They utilized my credit without my authorized use in order to communicate with 3rd parties. I exercised my right to credit in good faith and was denied. This is a violation of my rights as a consumer pursuant to the Equal Opportunity Credit Act codified in 15 USC 1691c, 15 USC 1692K, 15 USC 1691, 15 USC 1642, USC 1681M, 12 CFR 1002, 15 USC1681N, 15 USC 1681O, 15 USC 1602F, 15 USC 1602G, 15 USC 1602L, 15 USC 1602P, 15 USC 1691A3.
Product: Credit card

Chase Bank sent us a letter dated XXXX/XXXX/2015 advising .. '' because we 're no longer ofering credit card accounts to businesses in your industry '' they decided to close our credit card account on XXXX/XXXX/2015. We are not certain why Chase Bank would discriminate against small XXXX business with excellent credit, pays bills on time and in full, we have been in business for 16 years and have a FICO rating over XXXX. All balances are paid off by us each month and on time. They should not be permitted to discriminate against us when we have not done anything wrong. Can you assist in enforcement action?
Product: Student loan

I completed a forbearance plan with the Department of Education to place my loans back in good standings with with my student loans. Upon completing my plan on XX/XX/XXXX, my previous late payments were supposed to be removed from my credit report. The Department of Education sent me a letter stating they would remove any negative reports that were on my credit for the previous 5 years. After 3 months I noticed no change in my report and reached out to the Department of Education again. They informed my that my loans had been sold to Nelnet and gave me their contact information. I then reached out to Nelnet and also stated my situation in which they sent me a letter in XXXX also claiming that they would remove the record of default from my credit history. Now we in XXXX of XXXX and still nothing has happened which is why I am submitting this claim today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres XXXX fraudulent credit inquiries on my profile that needs to be deleted bellow is my IdentityTheft report and other documents
Product: Mortgage

The servicing of my mortgage was transferred from XXXX to The Money Source { TMS XXXX XXXX took the XXXX payment from my checking account. When the loan was transferred they did not forward the payment. From that time forward TMS has marked my credit as being 30 days late every month. I explained that the XXXX payment was made to XXXX and that I had made every payment on time. I sent copies of my bank statement from XXXX showing the payment was made. They would tell me they would fix it and they did not. I have called every month and spent hours on hold with no results. At this time my credit is ruined. They refuse to correct it. I am out of options. We cant afford an attorney.
Product: Checking or savings account

On XX/XX/XXXX, I transferred in {$5500.00} in XXXX deposits to my new business checking account with U.S. Bank. XXXX days later, the account was closed without notice or explanation. I was unable to access the account or funds, and received no communication from the bank on this matter. 

The following business day, I called to ask what had happened. I was told that they couldnt provide a reason, and that I would receive a call regarding the matter sometime in the next XXXX weeks. 

XXXX weeks went by without correspondence from them. I called back and was told they couldnt provide a reason, and that I had to go to my local XXXX Bank branch and speak with a general XXXX. Unfortunately, as there is no branch within a few XXXX miles of me, I was unable to do this. 

On XX/XX/XXXX, I received {$3000.00} of my original {$5500.00} to my personal checking account. This was the amount of XXXX of the XXXX deposits. The other {$2500.00} was through a XXXX transfer on XX/XX/XXXX from my personal checking account. 

I waited a couple more weeks in anticipation that Id receive the other portion of my money, but to no avail. 

I called the bank again, explained the situation, was transferred several times, and finally got hold of a XXXX in their fraud department. I was told Id receive a letter in the mail with a check for the remaining balance sometime in the next couple of weeks. 

Eventually I received this letter. Unfortunately, the letter simply said my account was closed and it could provide no further information. There was also no check within the letter. 

I called again, went through the same painful process of being transferred multiple times, and reached someone who told me that they had no further information to give me. I wouldnt receive any more communication from them on this matter, and my remaining {$2500.00} would be reviewed at some point, but there was no timeframe on this investigation. The representative made it seem like XXXX take a very long time, and - I believe- expressed her condolences. 

It is now XX/XX/XXXX and I have received no news about my cash, and the customer service reps can provide no more answers.
Product: Vehicle loan or lease

In XXXX I made a vehicle purchase and was laid off from my job. I informed Santander of the situation and was subsequently offered a deferment. A couple days after the deferment was offered and accepted my car was repossessed by santander who then claimed that they did not offer deferments. in XXXX the account was sold to XXXX In XXXX my credit report showed both XXXX  and santander repossession which stopped me from obtaining loans and affordable interest rates. I have been attempting to rebuild my credit but have been unable to due to the constant refreshing of this debt by santander. The FCRA proved me the opportunity to rebuild and re establish my credit with out impairment from fraudulent claims by past lenders. at this time, at XXXX is reporting a repo from XXXX when I contacted them on XX/XX/XXXX and I was informed that there were no records of my account. I asked santander to remove my account since they were unable to provide me with the accurate information. my birth date is XX/XX/XXXX and my last four of the ss are # XXXX ( for accuracy and account lookup )
Product: Credit reporting or other personal consumer reports

15 USC 1692 C ( C ) Tat law clearly states, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 

CREDIT MANAGEMENT , LP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Acct : XXXX XXXX
Product: Debt collection

I received an alert to credit report to discover a collection agency by the name of ICU Systems listing a debt for {$110.00}. I am extremely upset. I never received anything from this letter, just a shocker to see it listed on my credit report. I tried to resolve this with XXXX XXXX XXXX. My issue was that XXXX XXXX XXXX was charging me for services in which I did not have with them. I tried to produce the documents showing that I was receiving service with XXXX during the time XXXX XXXX XXXX was billing me. XXXX made an error and instead of porting the phone number, they assigned me another phone number for my landline service and internet. So, I did not have XXXX XXXX XXXX during the period in which they were charging, therefore not owing XXXX XXXX XXXX. I am asking this company to remove this debt from my credit report. It is not a valid debt, nor did I have the opportunity to speak with this company before seeing this debt posted on my credit report to inform them of the situation.
Product: Checking or savings account

I have several grievances against Wells Fargo. One is Wells Fargo closed my account without any prior warning or notification. I learned the other day my account had been closed. Wells Fargos website mentions that Wells Fargo will warn customers prior to account closures. Wells Fargo said the account was over drawn {$8.00} but when I paid that over the phone Wells Fargo still would not re open the account. I believe Wells Fargo acted in bad faith because they gave no prior warning or notification at all. If the account was minus and at risk of being closed I should have got a courtesy notification at least. I also believe this may have been in retaliation for complaining about a negative experience I had at a Wells Fargo on XXXX XXXX in XXXX. I should add I believe I was subject to XXXX XXXX and reverse XXXX at the XXXX XXXX branch. It was like an all XXXX bank white no other XXXX customers. They even let someone cut in line in front of us and the customer service representative at the window was rude, the manager was also rude and they gave dirty looks and acted like they didnt want to serve me at all. It was more than about ID. I was the only XXXX customer at the branch trying to be served. They said they wouldnt let me access my account because my ID was expired supposedly but I was the only XXXX customer and the bank employees were cordial and polite to everyone else even if the customer had hardship. Wells Fargo closed my account and bad faith because I was never given prior warning or opportunity to address the negative balance. Im told now Wells Fargo wont reopen the account over the phone ( Wells Fargo does open accounts over the phone according to their website but Im being treated to a different standard again I suspect XXXX ( possibly XXXX XXXX because Im a senior citizen ) and retaliation over the prior negative experience at Wells Fargo ). I was a Wells Fargo customer for many years yet treated this way regardless. I believe I was poorly treated at the XXXX XXXX Wells Fargo in XXXX due to XXXX, XXXX and XXXX. I was not even treated like a customer at all. If you are XXXX and a senior citizen I cant recommend the XXXX XXXX in XXXX or central California due to reverse discrimination or double standard based on my experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are so many unverified and inaccurate information reported on this account. I have requested the proof but until now the company failed to provide. The balance is incorrect wherein there are charges which are unauthorized.
Product: Credit card

Blackrock Mitigation has people calling me, my work, my mother, my step father, ect. Threatening to serve me papers and saying if I am not there, it will count against me in court and that I will be shown as missing a hearing. The lady I spoke to on the phone said herself the gentleman calling me should not be saying these things. They refuse to inform me of who the man is or how I get a hold of him as well.
Product: Checking or savings account

I lost my identification somehow a lot bank account online opened under my name I didnt opened them
Product: Checking or savings account

We received letters in the mail stating Chase was closing all my families accounts without explanation and to remove our money. We called for an explanation and they wouldnt tell us. We went up there and they would not tell us either.
Product: Credit reporting or other personal consumer reports

I'm experiencing XXXX  dissatisfaction, and XXXX concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, The list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX Account # XXXX, Has violated my rights. 

XXXX XXXX XXXX Simple. Account # XXXX Has violated my rights XXXX XXXX XXXX XXXX. Account # XXXX Has violated my rights. 

XXXX XXXX XXXX. Account # XXXX Has violated my rights. 

XXXX XXXX XXXX Account # XXXX Has violated my rights. 

XXXX XXXX. Account # XXXX Has violated my rights. 

XXXX XXXX recoveries. Account # XXXX Has violated my rights. 

XXXX XXXX XXXX. Account # XXXX Has violated my rights. 

XXXX XXXX XXXX Account # XXXX Has violated my rights. 

XXXX XXXX. Account # XXXX Has Violated my rights. 

XXXX XXXX XXXX XXXX. Account # XXXX Has violated my rights. 

XXXX XXXX XXXX XXXX. Account # XXXX Has violated my rights. 

XXXX XXXX. Account # XXXX Has violated my rights. 

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 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Debt collection

I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate accounts on my credit reports reported by Midland Credit Management XXXX for account number XXXX by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and to XXXX. To date, I have not received any compliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. This account does not belong to me. I have no knowledge of this account. Unauthorized opened account. To date, Midland Credit Management Collection is reporting false information to my credit bureaus. Therefore, I expect this account will be removed from my credit files immediately. Thank you for your prompt attention to this matter.
Product: Credit card

I noticed in XXXX of XXXX that the 2 payments for XXXX and one for XXXX that I made did not credit my account. The payments were taken from my bank account. I made many calls to the creditor and each time I would need to explain the issue with someone different and each time they would have issues bring up my account. Once in my account they could see the payments were made and would send the issue to the dispute team. 

On XX/XX/XXXX I called in and spoke to a new representative and explained the issues for probably the 10th time. I made a payment then over the phone that came out of my bank account but wasn't credited to my account once again ... Conformation number XXXX. 
The delinquent charges and the fees are piling up. Now I am unable to email them through the site and I have not received any calls about reconciling the issues. 

Other creditors are able to see the delinquent charges. which is hurting my credit score. 

As of my last email on XX/XX/XXXX I am no longer able to even get on the site to send an email. I contacted my attorney to whom gave me your site in hope to reconcile this problem. 

I am attaching all the information and emails with the correspondence I've received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 2 collections less then XXXX XXXX XXXX removed from my credit report and my score dropped XXXX points. I called TransUnion and was told it was because of older accounts all over XXXX XXXX XXXX is why. That is a ridiculous answer in my opinion. I also was told I could not get a employee number or no way to verify who at TransUnion told this reason. That also ridiculous and not legal I believe. I am hiring an attorney to sue TransUnion do have or can you give me any recommendations as to were to look for a attorney. I also would like to if TransUnion can do what they did to my score
Product: Credit reporting or other personal consumer reports

I am having issues with my credit score but theres no way for me to dispute my actual score. I check my credit score regularly to keep up with any changes. I checked my score today on XXXX XXXX and it dropped a whole XXXX points for no apparent reason. No new accounts, no new collections, no new inquiries etc. the only change to my report is the decreasing of the balances on my credit cards and loans. I have two collections on my report and I did max out my credit cards but my credit score has already been affected by these accounts as it dropped dramatically because of these things. Since then Ive been making payments on my open accounts every month on time. My balances have decreased. And my credit score was going up. Now all of a sudden a whole XXXX point drop with no new negative information added to my credit report. I called XXXX and they can only tell me about the things that Im already aware of. They keep telling me that I got collections on my account but I keep telling them that that has been there and those collections already affected my score and dropped it dramatically. They keep telling me about my utilization rate ( which is high since I did max out my cards ) but once again my utilization rates has been steadily decreasing since I have been paying off my balances. The fact is I have been paying off my balances on time every month without a single missed payment, my score was bouncing back from the initial dramatic drop which I understood due to my financial actions. There has only been positive information going into my credit report at this point with nothing new except on time payments. None of my accounts were closed. I still have all of my accounts revolving. I have been working too hard to build my credit simply due to the fact I have a child on the way and me and my fiance are trying to get a home for our family. This happening to my credit has made it difficult to do the things we need to do. There is nothing right or fair about this. And there not one viable explanation to why my score would just drop for no apparent reason. I have a hard time believing that this is even legal when so much our lives as citizens of this country rely on our credit scores. To be able to drop someones credit score for no apparent reason and make life harder with no explanation, with no new negative information. I really need help understanding this cause this has changed all of my plans and the time frame I had to complete these plans. Come someone please help me because talking to the credit bureaus is no help at all cause it seems like they barely know how things work.